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EASY BUY has obtained a license from the Ministry of Finance to conduct a regulated consumer finance business under the Notification of the Ministry of Finance re: categories of business which must be licensed in accordance with clause 5 of the Notification of the Revolutionary Council no. 58 (re: regulated consumer finance business), dated June 9, 2005 and the Notification of the Bank of Thailand re: rules, procedures and conditions for conducting a regulated consumer finance business. Therefore, the Company is authorized to conduct the retail consumer finance business representing (i) revolving loan and (ii) installment loan.

Revolving Loan The Company's revolving loan service is to grant unsecured loans to customers who need cash to spend for their personal expenses. The customers can withdraw cash in any desired amount within the approved credit line and may repay the loan in a minimum amount or more. The amount repaid will become a revolving credit available for the next withdrawal. Umay+ now serves its customers throughout channels nationwide.

Installment Loan The Company provides installment loan to customers who wish to buy various kinds of goods, whereby the Company pays for such merchandise in advance to its vendor shops and the customers agree to repay the Company for the price of the merchandise plus interest in installment until the loan is fully paid in accordance with the loan agreement. Installment loan now serves its customers in vendor shops.