placed as collateral in favour of Mahachai Group, and a representative from the Mahachai Group must be appointed to jointly approve with GSTEL in the procurement, sale, and payment processes, and this

Thai businesses? in the area of research and development? to help businesses enhance their technology-based production processes. ?

creating differentiation through personalized products and services and enhancing retention program as well as digitalizing channels and operational processes to gain fair market share and expand our scale

Global and Thai Economy in the Third Quarter of 2019 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to Business Operations 2 2. Risk Management and Risk Factors 5

operations, and investments by holders of securities in the issuer, in a section headed "Risk Factors". The issuer is encouraged, but not required, to list the risk factors in the order of their priority to

presentation on the topic, “Digital Transformation for the Capital Market,” highlighting SEC digital transformation that incorporates digital technologies into work processes and provides a shared

reference. PAGE 2 Notification of the Capital Market Supervisory Board No. Tor Dor. 67/2552 Re: Rules, Conditions, and Procedures for Dealing of Debt Securities _________________ By virtue of Section 16/6 of

reference. Notification of the Capital Market Supervisory Board No. Tor Dor. 67/2552 Re: Rules, Conditions, and Procedures for Dealing of Debt Securities _________________ By virtue of Section 16/6 of the

Market Value breakdown by Market Segment (Source: Nielson) 3. Results of Operations and Profitability Consolidated financial statements (Unit : Baht Million) Q4/2019 Q4/2018 %YoY 2019 2018 %YoY Revenues

Office of the Securities and Exchange Commission No. SorChor. 29/2555 Re: Rules, Conditions and Procedures for the Approval of REIT Manager and Standard Conduct ___________________________________ With