General Meeting of Shareholders of LH Financial Group Public Company Limited and rated the company in "Excellent" level with the full assessment score of 100 for fifth consecutive year. Performance

General Meeting of Shareholders of LH Financial Group Public Company Limited and rated the company in "Excellent" level with the full assessment score of 100 for sixth consecutive year. Performance

General Meeting of Shareholders of LH Financial Group Public Company Limited and rated the company in "Excellent" level with the full assessment score of 100 for sixth consecutive year. Performance

of Shareholders of LH Financial Group Public Company Limited and rated the company in "Excellent" level with the full assessment score of 100 for sixth consecutive year. Performance Evaluation of

assessed the 2019 Annual General Meeting of Shareholders of LH Financial Group Public Company Limited and rated the company in "Excellent" level with the full score of 100 for 7 consecutive years

financial due diligence of SUTG and do not found the material adverse effect to the business transfer transaction and as of the business transfer date and there is no any event, circumstance or change that

to closely monitor credit quality and maintain high levels of capital fund and loan loss provisions to withstand a potential adverse impact from economic uncertainty. Credit Rating LH Financial Group

NML’s assets to decrease by ten percent or more or by more than Baht 5,000,000 is considered an event having a significantly Enclosure Page 3 adverse impact. 4. The debt restructuring agreement between

นั้นตองไมทําใหผูถือหุนของบริษัทแมเสียประโยชน หรือสงผลกระทบเชิงลบตอผูถือหุนเดิม (adverse impact) - บริษัทแมตองมีวิธีในการคุมครองสิทธิประโยชนของผูถือหุน โดยจัดสรรหรือใหสิทธิพิเศษในการซื้อ

shareholders’ meeting of the Company shall have approved the entering into the Transaction; and (2) No change has occurred, which causes a material adverse effect on assets, liabilities, business opportunity