Debt Mediation and Debt Restructuring Program

JMT Network Services Public Company Limited implements a debt mediation program to expand access to debt resolution solutions for customers comprehensively across all areas, with a focus on assisting customers with outstanding balances to restructure their debt obligations in a manner appropriate to their individual financial capacity, in order to support sustainable financial rehabilitation. The program covers the resolution of multiple debt types, including credit card debt, personal loans, auto loans, motorcycle loans, and other credit products under the management of the Company and its subsidiaries. The Company places importance on a mediation process that is fair, transparent, and gives primary consideration to the repayment capacity of each customer.

The Company believes that the implementation of the debt mediation program not only helps alleviate the debt burden of customers, but also contributes to creating sustainable financial solutions, enabling customers to overcome financial crises and return to the economic system with stability, as part of the Company's commitment to creating shared value with society and stakeholders over the long term.

In 2025, the Company implemented the Debt Mediation and Debt Restructuring Program, with a total of 72 instances, covering all six regions of Thailand.