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After receiving the NPLs from the financial institutions, in case the financial institutions initiate judicial
process, the Company will exercise right as a litigant in the case instead of the financial institution transferring
the NPLs to the Company as the plaintiff in the case being under hearing of the court, or as a creditor by judgment
in case the court already has the decision. Nevertheless, it is according to the AMC Decree to force by the Company’s
transferred rights. In this case, the Company files an application to the court to exercise that right, and the court will
hear that petition. In case of objection, the Company’s right exercising process will be delayed.

After the court issues a ruling, whether for the case where the Company is the original plaintiff or the case
where the Company assumes the right as a creditor, under the court’s ruling, and after the Company enforces the
debt and foreclose on any collateral, the collateral will be put on sale by public auction for repayment of debt in
which the Company typically participate.

In case the Company is a plaintiff or the court allows the Company to be subrogated to the right of the
judgment creditor, the Company will join the auction as a person to deduct receivables, and if winning the bidding, the
legal execution officer will make a report of receivables deduction to the Company to realize whether, as the property
buyer with rights to deduct receivables, additional payment shall be made. The legal execution officer will send a
warrant to the Company to receive the right document for registration of the purchased property’s ownership, and
make additional payment (if any) (in case of payment on the agreement date not adequate to payment of expenses).
The Company will receive the right document to register accepting the purchased property’s ownership transfer. After
that, the legal execution officer will make a statement of revenue-expense delivered to stakeholders to show the
list of expenses and inform debt cause on the basis of remaining right (remaining debts according to the judgment).
Nevertheless, if the auction price is more than remaining debts, the plaintiff or the creditor by judgment has right to
receive debt settlement from the legal execution as the court has judgment for winning the case.
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However, if the Company is not allowed to be subrogated to the right as the creditor by judgment or mortgagee
creditor, the Company needs to join the auction as a third party. If winning the auction, the Company needs to make
payment at price as the Company bids along with other expenses, and then receives the right document as well as relevant
documents for registration of the ownership transfer acceptance. However, the Legal Execution Department will reimburse
amount that the Company makes advance payment when bidding to purchase the properties to the Company after
the Company finishes exercising such right.

In case a third party wins the auction, the Company may request payment from the auction provided that
the Company shall prepare related documents as well as a copy of court order for right exercising, submitted to the
Legal Execution Department to make the statement of revenue-expense (“Revenue-expense statement”). The Legal
Execution Department may consider requesting the Company to deliver additional documents before submitting the
revenue-expense statement. When the Company receives payment, the particulars of receivable from auctioning will
be reversed.

However, the period for submitting the revenue-expense statement of the legal Execution Department
depends on various factors. For example, if a request is submitted for the cancellation of the auction, or there is any
objection to cash receiving a payment account, the Legal Execution Department shall wait for the final decision of
the court in such case before providing the revenue-expense statement to the Company. If a debtor is prosecuted in
a bankruptcy case, the payment receipt system of the Company may be delayed as the Legal Execution Department