“Moreover, the Firm has also lowered minimum payment rates for credit cards from originally 10 percent to 5 percent from April 2020 to 2021, 8 percent in 2022 and 10 percent in 2023. Meanwhile, “KTC PROUD” Revolving Loan members currently have a minimum payment rate of 3 percent which is within the relief guideline. Additionally, the Firm has provided relief for members who have been directly affected by the spread of the COVID-19 virus outbreak, for instance, changing to long-term personal loans, decreasing installment payment amount by 30 percent, and more. This aid period has been extended to terminate on December 31, 2020. As of June 30, 2020, there have been an approximate of 4,000 members who participated in the switch to long-term personal loans process under the firm’s debt relief measure, totalling in an estimate debt value of 300 million Baht with 90 members with debt payment suspension.”