. (Acceptance and Continuance of Client Relationships and Specific Engagements) 5. (Resources) 6. (Engagement Performance) 7. (Information and Communication) 8. (Monitoring and Remediation Process)

Engagements) (1) (1) 4 (Human Resources) ( ) ( ) 5 (Engagement Performance) (2) ( ) 6 (Monitoring) (1) (2) 100 .20 65 2 KPMG KPMG AQIs 2 KPMG KPMG 2 KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG 108 31 2564 5.60

) 4 (Human Resources) ( ) ( ) 5 (Engagement Performance) (2) ( ) 6 (Monitoring) (1) (2) 100 .20 85 2 EY data analytic tools EY EY EY EY EY EY EY EY EY 211 30 2564 6.41 35 EY 3 3 1 (Leadership

(Engagement Performance) (2) ( ) 6 (Monitoring) (1) (2) 100 .20 50 - 2 - 10 technical committee 5 31 2565 17,698 0.09 3 3 1 (Leadership Responsibilities for Quality within the Firm) 3 2 (Relevant Ethical

quarter owing to the close monitoring of debts and a proactive approach in asset quality management adopted by commercial banks. As of the end of the second quarter of 2018, net loans at 14 domestically

operation. Meanwhile, KBank ensures that policies, processes and systems for controlling, monitoring and reporting risks, capital and liquidity are in place whereas segregation of duties and reporting lines

supervision in segments other than car title loan. KBank has improved policies, processes, and operational systems to accommodate and comply with relevant regulations, as well as will closely monitoring on new

security system must be in place, which includes system readiness, service continuity, and monitoring of business partners regarding IT security and customer data privacy protection. KBank will be able to

authorized auditors. Sincerely yours, VAROPAKORN PUBLIC COMPANY LIMITED (Mr. Sahasee Chitanondh) Managing Director CC. Corporate Monitoring Department, The Securities and Exchange Commission

) Managing Director CC. Corporate Monitoring Department, The Securities and Exchange Commission