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

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

pandemic. However, there are promising signs of growth driven by the revival of tourism, the increase of exports, and the acceleration of government spending. Tourism industry Source : Ministry of Tourism

business (of which the Company is the agent for 6 commercial banks: KTB, KANK, BAY, GSB, BAAC, and SCB) had total transactions of 1,159,351 transactions per month, increasing 25.3% YoY.  Lending business

Estate Public Company Limited Management Discussion and Analysis 2Q20 With respect to commercial business, special reduction granted to tenants impacted by COVID-19 is expected to reduce thanks to revival

experts/workers/foreigners. • Pros: Revival of the economy. • Cons: Unfair competition and possible corruption. 4 https://go.microsoft.com/fwlink/?linkid=2006808&clcid=0x409 SEC Classification : ใชภ้ายใน

-selling service and others and cooperates with 2 commercial banks in money transfer service. The Company’s goal is to launch money transfer service with 4 banks; Kasikorn Bank (KBANK), Krungthai Bank (KTB

, the money transfer service, which has already had 3 commercial banks such as Kasikorn Bank (KBANK), Krungthai Bank (KTB) and Bank of Ayudhaya (BAY). The company has emphasized in adding new services on

(KBANK), Krungthai Bank (KTB), Siam Commercial Bank (SCB), Bangkok Bank (BBL) and Bank of Ayudhaya (BAY) which represents 90% of the bank market. The target is to increase revenue and new customer

banks such as Kasikorn Bank (KBANK), Krungthai Bank (KTB) and Bank of Ayudhaya (BAY). The deposit/transfer money service to Government Savings Bank (GSB) will be on service in late April. At present