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Business operation by product line
             Product or service
             NPLs acquisition and management
                    The Company purchases NPLs from other financial institutions in Thailand and manages, negotiates and
             restructures debts in any methods with goals to add values to the cost of the NPLs. Once acquired, the Company will
             record as loan from receivable purchase at cost price of purchase.

                    (A) Acquisition, inspection management and guarantee enforcement

                    The following flow chart depicts the process of acquiring, inspecting, and evaluating the Company’s
             NPLs and payment.





















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                    (1) NPLs acquisition
                    The Company finds an opportunity to purchase the NPLs from financial institutions in the country regularly.
             Mostly, the Company will purchase the NPLs through bidding and sometimes through negotiation with the financial
             institutions directly.
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