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

decline in revenue from dessert café, which was attributed to the lower traffics in shopping malls and weaker consumption sentiment following COVID-19 concerns together with the closure of shopping malls

from the decline in operating revenue due to the impact from the new COVID-19 wave, as well as the temporary closure of some dessert cafe branches according to the government measures. • The Company’s

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

increase was mainly from the increase in revenue from dessert café, which was attributed to the expansion of 6 new stores and a rise in Same-Store-Sale-Growth (SSSG) together with the increase in pop-up