Page 60 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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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. The Company has preliminarily
collaborated with SENA Group which will acquire collateralized debtors in the form real estate projects from the
Bangkok Commercial Asset Management Public Co., Ltd.
Company for further development.

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 Baht
3.0 million. In addition, BAM organized “Hot Price Condos for All by BAM,” offering promotion on over selected 1,500
condominium units in Bangkok and the vicinity and other provinces with more than 60% discounts. For an outright
purchase, an additional discount was offered - for a condo unit priced under 500,000 Baht, customers received another
10% discount, and an additional 20,000 Baht discount for the purchase of a unit priced over 500,000-1,000,000 Baht.
For customers who purchased and completed the ownership transfer within 30 days of the sale approval date, they
would receive free ownership transfer fee worth up to 900,000 Baht and a voucher of up to 100,000 Baht.

BAM also selected and offered promotion on over 1,500 residential units covering detached houses, townhouses,
commercial buildings, and condominium units nationwide with discount of over 30% under the “Four-Star Homes by
BAM” campaign aiming to continuously respond to the customer demand particularly for customers looking for quality
properties at affordable prices or those searching for affordable units that can be renovated as they wish.

The Company continued the marketing campaigns focusing on e-commerce marketing strategies to respond to
today’s lifestyle of the digital era. With such focus, BAM organized “BAM NPA in Online Marketplaces” campaign for
which over 2,000 items of special-priced properties have been selected for sale comprising detached houses, vacant
land, condominium units, townhouses, commercial buildings, and investment properties. Within the campaign period,
customers could make an installment purchase for any property worth not exceeding 1 million Baht. For a cash purchase,
customers were offered an on-top discount of 20,000 Baht. If customers had completed the ownership transfer for any
residential properties within 30 days, BAM offered the “free transfer fee” promotion worth up to 900,000 Baht per item
accompanied by a voucher of up to 100,000 Baht. Also, for any purchase (excluding an installment purchase) of
special-priced properties promoted on any leading online platform, comprising BAM website, dotproperty, ddproperty,
Baania, Kaidee, LivingInsider, baanfinder, terrabkk, Line Shopping, and Thailandpostmart, customers would receive a
wireless security camera as a token.

The Company has marketing teams to take care each type of NPAs to develop a suitable marketing strategy for
each type of the NPAs and the customer group. The Company’s marketing instruments are a signboard at the property’s
location, advertisement and public relation on website as well as social media of the Company including Facebook,
Line and mobile application, publications, TV media, booths in any events, bidding for general people, and direct
contact with the investors and real estate developers.