Exchange of Thailand (the “SET”). In entering into Komchadluek Business and Trademark Acquisition, the Board of Directors of the Company (excluding the directors those who have vested interest) considers

Platinum payWave Credit Card offers special discount of 3% to our cardholders when spending at Big C Supercenter and also enjoy 0% interest rate for 6 months installment payment with AEON Happy Plan when

interest) considers that this transaction is appropriate in light of price and conditions since the value of consideration of KMM is higher than the assessed price. Also, the Company will be recognized the

2019, loans revenue was 3,020 million baht, an increase of 381 million baht or 14% y-y. This is because the Company integrated credit limit of personal loan and purpose loan to AEON Happy Pay program in

acquisition of the newly-issued ordinary shares totaling 50 percent of the total sold shares in Happy Products and Service Co., Ltd., which the highest transaction value equals to 2.09 percent based on the

Card, AEON Royal Orchid Plus Platinum JCB Card and launched privileges and campaigns to AEON credit cardholders throughout the year. For example the campaign “AEON Happy Plan” which offering credit

from loans were 10,723 million baht, showing an increase of 1,150 million baht or 12% y-y. This is because the Company integrated credit limit of purpose loan and personal loan to AEON Happy Pay program

advance or installment loans (AEON Happy Pay). Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. Moreover, loan income from AEON

of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the other hand, our

previous quarter. In August 2018, the Company launched an instant card for cash withdrawal service at our branches to facilitate customers and also launched “AEON Happy Pay”, which the customers were able to