Bitcoin or Gold for a Diversifier? Tales of Before and During COVID-19 Crisis Financial Literacy and Fintech Adoption for Quality of Life Yosuke Kakinuma Chiang Mai University Business School SEC

(UNOFFICIAL TRANSLATION) (Updated 2015) 4. Certification of Leader of Audit Firm Date ........ Month ............ Year.......... To: Secretary-General Office of the Securities and Exchange Commission

. 16/2551 Re: Granting of Approval for Undertaking Derivatives Business in the Category of Derivatives Broker Limited to Gold Derivatives _____________ By virtue of Section 9 and the third paragraph of

and Exchange Commission No. KorKhor. 16/2551 Re: Granting of Approval for Undertaking Derivatives Business in the Category of Derivatives Broker Limited to Gold Derivatives _____________ By virtue of

): ................................................................. (..............................................................) Leader of the Audit Firm: ........................................... (Signature

. Matichon and its affiliated companies tried to find an opportunity to do business, especially becoming a leader in the digital media as well as the most popular news website in the country. However, the

. Matichon and its affiliated companies tried to find an opportunity to do business, especially becoming a leader in the digital media as well as the most popular news website in the country. The digital media

public accountant 2. Applicant’s biodata and details 3. Certification from the leader of the audit firm 4. The audit firm’s information and relevant details 5. The audit firm’s certification and consensus

every page by the leader of the audit firm and authorized signatory of the audit firm. Department of Business Development 3) Certification of the Applicant via SEC Office Online Form Original: 1 copy

this Notification: (1) “derivatives broker” means any person licensed to undertake derivatives business in the category of derivatives broker; (2) “market maker of gold derivatives” means any person