capture the ultra luxury customer segment as well as growing customization ability for customers. Management Discussion and Analysis (MD&A) for the year ended 31 December 2019 F IN A N C IA L P E R F O R M

repaid both principle and interest completely and the 3 transactions of P/N will be repaid all principle and interest by 25 July 2019.In addition, the Company has assessed the ability of repayment of the

ability of repayment of the issuer before the investment. The detail of transaction is as follow; Items 1 2 3 4 5 6 7 Date of transaction 7 March 2019 21 March 2019 22 March 2019 9 April 2019 2 April 2019 1

ability of debtors and property purchasers and decrease demand for properties. For the care of COVID-hit debtors/customers, the Company has launched relief measures to support debtors. To receive support

ability to meet customers’ expectation. The Company also plans to extend collaboration with partners for Younique business expansion, for instance, open the showroom of Younique Customized Furniture at SCG

reduction in lending rates for MLR, MOR, MRR, restructuring made to terms including installment reductions, loan term extension in line with the customer financial ability and other assistance as appropriate

due to the government’s measure to limit transportation, the delay of economic activities, and the temporary unemployment. These will impact the payment ability of debtors and property purchasers and

) Other credits linked such as credit ratings or credit event related to ability to repay debt obligation; (7) Commodity such as agricultural products, gold, crude oil, etc.; (8) Other index that fully

which are enforceable on other derivatives clearing houses in tiered participation arrangements; (3) ability to demand or enforce collateral promptly; (4) sufficient sources of funds to handle risks

has been included in the prospectus, the period covered by the interim cash flow statement. This includes the nature and extent of any legal, financial, or economic restrictions on the ability of