Supervisory Board Note: please note that the contents added in brackets [….] have only been provided in the English version for clearer understanding.

Supervisory Board Note: please note that the contents added in brackets [….] have only been provided in the English version for clearer understanding.

the Securities and Exchange Commission Note: please note that the contents added in brackets [….] have only been provided in the English version for clearer understanding. the law on interest on loan

note that the contents added in brackets [….] have only been provided in the English version for clearer understanding.

been provided in the English version for clearer understanding.

version for clearer understanding

of Good Corporate Governance for listed companies, and a new banking act and supporting regulation to improve bank corporate governance. The amendments to the SEA included clearer duties for directors

English version for clearer understanding.

English version for clearer understanding.

year debt level. In conclusion, by Q4 2019, the Company has a clearer direction regarding the Sakthi’s transaction. For the year 2018 until Q3 2019, the Company was not able to address the Sakthi