turnovers (shared 22% from personal loan and 8% from purposed loan for mobile phone, IT products, electrical appliances and etc. at over department stores and more than 4,800 dealers nationwide). Revenues

Company Limited (FSMART) 2Q19 Management Discussion and Analysis Financial Summary Income Statement MB % MB % MB % Income from rending of top-up service for prepaid phone and other online service

") in order to allow telecom operators to rent space to install mobile phone, data signal or wireless communication equipment. It is also an orderly arrangement for the telecommunications infrastructure

(shared 21% from personal loan and 18% from purposed loan for mobile phone, IT products, electrical appliances and etc. at department stores and over 17,500 dealers nationwide) with the revenues of 2,273

- conditioned buses as well as the advertising media in MRT system; (2) Classic Media; (3) Dynamic Media; (4) Retail Media; (5) Airport Media; (6) Online Media; and (7) Engagement marketing. Juristic Person

Airport were rising because of the three new stores: Silom Soi 1, Suvarnabhumi Airport 1, and Suvarnabhumi Airport 2. III Other Income In Q2 2018, the other income was 423 million Baht, significantly

_______ Country _______ Expiry date _______ Home Address _______ City State Postcode Country E-mail address Telephone number Fax number Mobile phone number 2. Principal place of practice Firm Name Position

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