/2018 4Q/2018 Average credit limit of customer (Baht) 28,302 33,335 57,787 43,169 2. Effective debt collection, the Company has expedited to collect the principal debt to enhance its collecting amount

debts collection and others 481.9 617.1 135.2 28.0% 853.4 1,173.9 321 37.6% Rental and service income 177.1 155.1 -22.0 -12.4% 353.0 316.0 -37 -10.5% Insurance income - 32.6 32.6 100.0% - 32.6 32.6 100.0

performance and Important Factors Affecting the Operations The 2019 performance for the debt management and collection business has been proven that JMT Network Services Public Company Limited ("JMT") is

% Sales 2,101.1 2,409.4 -12.8% 6,875.1 7,187.6 -4.3% Service income from debts collection and others 707.7 481.9 46.9% 1,881.6 1,335.2 40.9% Rental and service income 151.4 178.8 -15.3% 467.4 531.8 -12.1

amount of 32,566,290 baht or 31.82% from the lower business volume while income from Collection business improved 21,771,302 baht or equal to 42.24% from the increase of Collection business volume. 2

decreased from 1.24 times to 1.20 times for the third quarter of 2017 and decreased from 3.69 times to 3.49 times for the nine-month period of 2017 because the collection period increased a little from 73

change in status of associate to subsidiary and other income from the collection from receivables 5.43 million baht. Separate financial statements Revenues 1. Revenues from Sales 5.07 Million Baht increase

last year or 72.69% ,this was the result from the collection from receivables 12.51 million baht. Separate financial statements Revenues 1. Revenues from Sales 5.50 Million Baht increase 2.15 million

from Call Center business in the amount of 14,087,455 baht or 26.82% from the lower business volume while income from Collection business improved 12,558,610 baht or equal to 52.16% from the increase of

from the first quarter of 2017, which were 1.14 times and 1.25 times, respectively, due to the lower sale. Meanwhile the collection period increased from 72 days to 79 days. For the debtors who may have