Code of Conduct for Investor Relations

Thai Credit Bank Public Company Limited (“Thai Credit”) operates business with integrity under the framework of Good Corporate Governance and business ethics. Give important on disclosure of information, to be accurate, complete, transparent, and timely disseminated, both financial and non-financial information, to all groups of stakeholders such as shareholders/investors, analysts and others. All stakeholders should be treated equally and fairly; hence the information can be useful for investment decisions making, foster confidence, and enhance the organization's reputation.

In this regard, Thai Credit established investor relations department with the purpose of perform duties strictly in accordance with the principles of good corporate governance. Including coordinating with relevant departments, communicating and disseminating important information, as well as direction and developments of Thai Credit through various communication channels, such as notification of information through the Stock Exchange of Thailand, information published on Thai Credit's website, quarterly analyst meetings, and participation in inbound and outbound roadshows. This includes offering the opportunity to communicate with Thai Credit by phone call or email, etc.

Thai Credit has established a code of conduct for investor relations to help promote ethical and good corporate governance practices in investor relations activities. The code of conduct also be provided as a framework for performing duties in order to have clear and transparent best practices. The details are as follows.

• Disclose information in a fair and equal manner. Ensure that all relevant stakeholder groups are able to access and inquire information by performing duties with honesty and professionalism without discrimination.
• Disclose material information that is required in order to make timely, accurate, and appropriate investment decisions, and in accordance with the standards established by relevant regulatory agencies. Stakeholder interests are taken into consideration.
• Preserve the company’s confidential and prohibit the use of insider information for personal purposes or the benefit of others before the information is disclosed to the public.
• Observe the company’s guidelines and procedures regarding the preservation of internal information. Thai Credit Bank has established a silent period of 2 weeks prior to the release of the financial statement to the Stock Exchange of Thailand. The Investor Relations department will decline all meeting appointments and not provide any information related to the financial statement to investors, analysts, and shareholders, except for addressing public information or factual events affecting the share price.
• Thai Credit Bank requires directors and executives, those holding management positions in accounting or finance, including department manager level or equivalent, employees in departments involved with inside information, to refrain from participating in any trading activities at least 30 days before the release of quarterly and annual financial statements and within 24 hours after disclosing such financial information to the public.