services (1,149.4) (1,274.4) 125.0 10.9% Gross profit 471.6 466.2 (5.4) (1.1%) Net loss on exchange rate (4.6) (17.4) 12.8 278.3% Loss on forward contracts (0.2) (1.5) 1.3 650.0% Other income 3.7 4.7 1.0

) (185.2%) Adjusted items Net unrealized loss on exchange rate 52.9 3.0% 49.2 4.3% (3.7) (7.0%) Non-recurring items1 - - (419.3) (36.4%) (419.3) - Adjusted EBITDA2 373.6 21.3% (296.8) (25.8%) (670.4) (179.4

Change in fair value of available-for- sale investmetns ▪ Recognised in OCI (Other Comprehensive Income) THB 1.8 million ▪ Recognised in P/L THB 1.8 million Change in fair value of interest rate swaps

-020-1 FAX. 66-38 480-080 4. Details of property Acquired/Disposition Transaction Value : Loan 100 Million Baht Interest expense of the transaction in 2018 : 4,900,000.- Baht The interest rate : 4.9

increased Baht 4.16 Million or increased 16.34% when compared to the same period of 2017. The mainly increasing reasons was the quantity of sales. 4. Lost on Exchange rate was Baht 3.78 million, which was

THB 109 million due to the lower occupancy rate. Other income decreased by THB 5 million. Gross profit margin declined from 25.9% to 25.4% due to rental and service business gross profit decreased by

financial assistance 4. Details of property Acquired/Disposition Transaction Value : Loan 60 Million Baht Interest expense of the transaction in 2020 : 2,940,000.- Baht The interest rate : 4.9 percent per

declined from 63.48% to 58.46% mainly because the Company had adjusted the premium rate and condition of some non-motor policies. The overall loss ratio therefore was in decline. 2. Net investment revenue

to the profit of 23.44 million baht) due to an impact from fluctuation of exchange rate, However the company tried to reduce financial risk by hedging against forward exchange contracts. 4. The

baht (from 14.37 million baht in 2016 to 25.24 million baht in 2017) due to an impact from fluctuation of exchange rate, However the company tried to reduce financial risk by hedging against forward