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

utilities bill reduction. Also, NBTC’s measurement for free data and voice in April to May affected Company in short- term on mobile top-up and bill payment. However, the Company has prepared its cash flow by

misconduct of which he had previously committed. He admitted receiving the client's trading orders through LINE Application and mobile phone from time to time, after that he called the client to confirm the

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