The meeting discussed significant and challenging issues such as harmful, but legal conduct. In this regard, the SEC Secretary-General shared her view on the importance of information disclosure

failure to perform his fiduciary duties with responsibility, prudence, honesty and integrity, and in accordance with the law for the utmost benefit of the company under the Securities and Exchange Act's

with responsibility, prudence, honesty and integrity, and in accordance with the law for the utmost benefit of the company under the Securities and Exchange Act's Section 89/7

the development of provident funds to address the inadequacy of retirement savings, especially as Thailand enters the state of aging society."The SEC gives utmost importance to building trust and

) Page 2 of 15 Major Events in 1Q20 An operational management of business during COVID-19 pandemic situation The Company provided utmost cooperation to strictly comply with the government measures by

against the outbreak such as people were urged to stay home. As a result, a number of online banking transactions increased and the Group’s sale volume decreased. However, the management will make utmost

exchange of information and consultation, from the very beginning before a legal case is formed until the case becomes final, to promote utmost efficiency in our mutual efforts to prevent and suppress

future. Business wise H1 2019 was challenging particularly in the most recent quarter. Business sentiment in multiple industrial segments important to us has been impacted by the macro economy and the

expenses. Besides, low-risk products offer low-return, while high-risk-high-return products come with high volatility. All of these factors make it more challenging to ensure sufficient post-retirement

challenging environments, building strengths and competitive edge, creating services that meet the demands of investors and stakeholders, and promoting the Thai capital market’s global competitiveness, which