(UNOFFICIAL TRANSLATION) Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. Notification of the Capital Market

into force in May 2020. The actions include policy revision, process and technology update to support consent management and customers’ exercising of rights. Progress reports have been reviewed and

TRANSLATED VERSION Codified up to No. 2 As of June 12, 2015 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. 2 13

TRANSLATED VERSION Codified up to No. 2 As of June 12, 2015 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference

-2018, it found that the increased rate of those was higher than the increased in revenue, due in Q4-2018, those had been recorded the additional allowance for doubtful account of overdue receivables and

can collect 97.2 baht, which another 2.8 baht shall be one overdue payment. 3. Revenue from write-off of NPLs (Write-back), is steadily increasing which JFintech developed a debt collection team and

. The percentage account receivable 3 month’s overdue or non-performing loan ratio was 3.49%, increased from 2.77% at the end of last year. Liabilities The consolidated liabilities of the Company as of

the table below: Unit : Million Baht 2019 2018 Change Increase/(Decrease) Amount % Current 2,052 2,041 11 1% Overdue less than 3 months - 8 (8) (100%) Overdue between 3 – 6 months - 68 (68) (100

in the 1st quarter of 2016. The major contribution was the Allowance for doubtful accounts of THB 10.88 million for edible oil - account receivable overdue. ท่ีตั้ง 55/2 หมู ่8 ถ. เศรษฐกิจ 1 ต.คลองมะ

cost has been decreased when it compared to the rate of decrease in revenue in Q4-2017, due in Q4-2017, there was additional allowance for doubtful account of overdue receivables and uncollected