situation, OSP continues to focus on our core brands, innovation and expansion in high- growth channels and segments, while shifting in priorities and timing to ensure even greater agility. Others Segment

American continent and create opportunity for more income in the long term 3. To gain access to new manufacturing technologies, which will give the company an advantage in developing its products in the

ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASAMUDJADEE, SAMUDPRAKARN 10290 Tel. 02-816-9315 Fax. 02-816-9315 #444 NO. ZIGA 014/2020 4 November 2020 Subject

ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASAMUDJADEE, SAMUDPRAKARN 10290 Tel. 02-816-9315 Fax. 02-816-9315 #444 NO. ZIGA 009/2021 5 May 2021 Subject: Management

appropriate returns. At the same time, banks have had to invest in developing technology and innovation, building platforms to connect to all parts of their ecosystems, using Cloud computing technology and Big

developing new platforms, have significant effects on the company’s income structure especially advertising revenue. However, our company isn’t rely on only this particular income. There are other channels

-month period which ended June 30, 2018 is ฿ 35.35 million compared to comprehensive income at ฿ 7.12 million from the same period last year. Because of variations in digital industry as well as developing

faster and with greater convenience at PTT Station and PTT Group retail stores. 3.4 Service Channels KBank maintained our commitment to developing efficiency in all our core service channels for enhanced

and groups of customers that can join a sandbox test, including the transaction volume and/or amount, with a scope based upon the product or service innovation, allowing us to develop the technology and

repealed. Clause 2 In this Notification: “regulatory sandbox” means a framework for experimenting and developing an innovation in a controlled environment to support provision of services related to capital