Page 62 - E-BOOK

Furthermore, to sell the NPAs, the Company has to compete with other real estate companies, and financial
institutions selling the NPAs, as well as other entrepreneurs in the real estate market.

Target customer group
The target group of the Company’s asset management business includes debtors that the Company
purchases NPLs from the financial institutions.

The target group of the NPAs management business includes real estate developers, investors and other
customers. Furthermore, the Company organizes an asset expo and arranges a booth in many events all over the
nation for more than 100 times a year so that the Company can access the target group as much as possible.

Marketing and sale promotion policy
The Company arrange an activity to promote debt restructuring for customers being NPLs under the
project “Sukjai Dai Ban Khuen” (Happy to get home return) with aims to give an opportunity to the debtors
not ordered for receivership to be able to redeem collaterals as an accommodation, with principal amount not
exceeding 10.0 million Baht. Payment can be made one time within 90 days, or made by installment within 20 years
at rate of 80.0% of the appraised price according to the principles of the Company. Furthermore, arranges other
projects to help the customers being the NPLs continuously such as Project “BAM Chuai Lod Phue Plod Nee” (BAM
to reduce debts) with objectives to give an opportunity to debtors not ordered for receivership, not having other
properties for debt settlement without collateral, and not having principal amount exceeding 3.0 Million Baht. Debt
repayment can be made one time within 90 days at rate of 10.0% of outstanding principal amount, or by installment
within 3 years at rate of 15.0% of outstanding principal amount without interest. Furthermore, the Company has a project
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“BAM Chuai Fuen Khuen Turakij” (BAM to restore the business), with aims to give an opportunity to debtors of the
Company, including natural persons and juristic persons, not ordered for receivership, not having other properties for debt
settlement, to settle debts with principal amount not exceeding 20.0 million Baht. Debt repayment can be made one
time within 90 days or by installments within 10 years at rate of 80.0% of the appraised price according to the Company’s
principles. However, such project is under other conditions of the Company.

Furthermore, the Company arranges other projects to help the customers purchasing NPAs such as “Property
installment sale with the Company” Project with objectives to help the low-income persons with limited
budget to have an accommodation. The customers that purchase properties of BAM of all kinds to pay by
installments to the Company for not over 3.0 million Baht as well as units at special price for low-income persons
to consider purchasing at reasonable price. The project “Condo Don Jai Sabai Krapao” (Good condominium, goods
price) is provided for condominium units with price not exceeding 500,000 Baht without down payment. Additionally,
the Company arranges the project “Thi Din Phue Karn Aom” (land for saving), provided that the Company distributes
the empty lands on good location nationwide with price not exceeding 3.0 million Baht without ownership transfer
fee during the promotion period. The customers may make installment payment to the Company with special
interest rate under the conditions specified by the Company.