disclaimer of opinion on the applicant’s financial statements and the consolidated financial statements or an adverse opinion; 2. a qualified opinion on any material transaction as non-compliance with the

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. Notification of the Office of the Securities and Exchange Commission No. Nor Por. 3/2559 Re: Guidelines for Establishment of Information Technology System ______________________ Whereas the Notification of the Capital Market Supervisory Board No. Tor Thor. 35/2556 Re: Standard Conduct of Business, Management Arrangement, Operating Systems, a...

from internal or external factors, possibly having adverse impacts on, or causing monetary or non- monetary losses to, KBank and our customers, directly or indirectly. Recognizing the importance of cyber

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. 30 Notification of the Office of the Securities and Exchange Commission No. Nor Por. 3/2559 Re: Guidelines for Establishment of Information Technology System ______________________ Whereas the Notification of the Capital Market Supervisory Board No. Tor Thor. 35/2556 Re: Standard Conduct of Business, Management Arrangement, Operating Systems...

debit / direct credit and an automatic transfer system (ATS). 4.2 Insurances Service is a service to provide life insurance brokerage services and insurance against loss which the customer can choose the

choose the insurance on the needs of customers. 4.3 Mutual Fund Selling Agent Service is a selling agent of the unit trusts for many asset management companies, which offer mutual funds of various types

insurance against loss which the customer can choose the insurance on the needs of customers. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30

the customer can choose the insurance on the needs of customers. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 7/22 4.3

Joint Venture Agreement. 5. No material adverse effect in JV Company. Closing Date After the conditions precedent specified in the Joint Venture Agreement are fulfilled. The entering into of the said

licenses. 4. No proceeding by law, court order or administrative order prohibit the parties to enter into Joint Venture Agreement. 5. No material adverse effect in JV Company. Closing Date After the