Financial Summary in FY18 Income Statement MB % MB % MB % MB % MB % Income from rending of top-up service for prepaid phone and other online service (Commission) 353.01 42.4% 346.47 41.7% 339.36 41.4% -2.1

customer base. - Loans In the fiscal year ended February 28, 2018, loans shared 36% of total turnovers (shared 23% from personal loan and 13% from purposed loan for mobile phone, IT products, electrical

-to-low income population’s purchasing power due to drought and Covid-19 pandemic, as well as a decrease of mobile top-up value according to the customer’s behavior that prefer using data package top-up

global-standard data leak prevention system for broader coverage: Significant efforts range from the classification and assessment of risks arising from data usage to employees’ use of mobile devices, to

operation cost. - Hire Purchase In the first half of 2017, motorcycle hire purchase in Thailand and electrical appliances, mobile phone and etc. in oversea business, sharing 1% of total turnovers with

existing business partners to increase customer base. - Loans In the fiscal year 2016, loans shared 40% of total turnovers (shared 22% from personal loan and 18% from purposed loan for mobile phone, IT

subsid lion baht mo t. And for th the same pe revenues wa ease of 19.1 778.2 million tegies in mo h Life Time only mobile 017. This cau 2017 was 4 collection an remarkably bt purchased tion revenue Page 2

, loans shared 25% of total turnovers (shared 19% from personal loan and 6% from purposed loan for mobile phone, IT products, electrical appliances and etc. at department stores and over 6,660 dealers

turnovers (shared 25% from personal loan and 5% from purposed loan for mobile phone, IT products, electrical appliances and etc. at department stores and over 6,307 dealers nationwide) with the consolidated

card revenue in Cambodia grew by 53% from last year. - Loans In the first quarter of 2018, loans shared 29% of total turnovers (shared 17% from personal loan and 12% from purposed loan for mobile phone