net profit in Quarter 1/2018 was 1.91 million baht because the lacking of the main raw material that have the affect on products cannot send to the clients in time. But the expenditures are decreased in

× Individuals underestimate their life expectancy × Not many aware of longevity risk × Lacking of popularity and choice of annuity products 22 23 The Alpha Spectrum 24 Asset Location 25 Asset Location and

interest rate of 7.00% per annum Issue date 8 February 2019 Redemption date 6 February 2020 2 Call option/Put option -None- Credit rating of debentures -None- Lead managers Ktb Securities (Thailand) Public

any risks arising from an appointment of any persons lacking qualifications or possessing prohibited characteristics.

business sectors while maintaining the protection of investors from any risks arising from the appointment of any person lacking qualifications or possessing prohibited characteristics, and (2) harmonize the

to lacking of working capital and also having a lot of debts, the money from the Transaction will help the Company’s financial status better. 7. Plan of using the money After the Company receiving the

option/Put option The issuer has the right to redeem the debentures before maturity Credit rating of debentures -None- Lead managers Ktb Securities (Thailand) Public Co., Ltd. 2 Debenture Holders

unit offering carefully in my capacity as an executive director, and hereby certify that the aforesaid information is correct, complete, true and not misleading or lacking any material information that

governing supervision of capital market, or lacking trustworthiness as specified as prohibited characteristic in Group 1 under Clause 29; (2) having a record of legally proceeding against or being punished

has more opportunity to develop it in the future. 5) The general financial statement status will be better. 6. Benefit from the Transaction According to lacking of working capital and also having a lot