Company Limited (FSMART) 2Q19 Management Discussion and Analysis Financial Summary Income Statement MB % MB % MB % Income from rending of top-up service for prepaid phone and other online service

") in order to allow telecom operators to rent space to install mobile phone, data signal or wireless communication equipment. It is also an orderly arrangement for the telecommunications infrastructure

(shared 21% from personal loan and 18% from purposed loan for mobile phone, IT products, electrical appliances and etc. at department stores and over 17,500 dealers nationwide) with the revenues of 2,273

_______ Country _______ Expiry date _______ Home Address _______ City State Postcode Country E-mail address Telephone number Fax number Mobile phone number 2. Principal place of practice Firm Name Position

Financial Summary in FY18 Income Statement MB % MB % MB % MB % MB % Income from rending of top-up service for prepaid phone and other online service (Commission) 353.01 42.4% 346.47 41.7% 339.36 41.4% -2.1

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

operation cost. - Hire Purchase In the first half of 2017, motorcycle hire purchase in Thailand and electrical appliances, mobile phone and etc. in oversea business, sharing 1% of total turnovers with

existing business partners to increase customer base. - Loans In the fiscal year 2016, loans shared 40% of total turnovers (shared 22% from personal loan and 18% from purposed loan for mobile phone, IT

subsid lion baht mo t. And for th the same pe revenues wa ease of 19.1 778.2 million tegies in mo h Life Time only mobile 017. This cau 2017 was 4 collection an remarkably bt purchased tion revenue Page 2