currently in place provided for the temporary suspension of loans staging under TFRS 9 and therefore limiting complete assessment of the asset quality and expected credit losses. During 3Q20, as a prudent

specify) ( ) other (please specify) I hereby certify that the foregoing statement in this report is complete and accurate and contains neither any materially misleading statements nor any omissions of

report is complete and accurate and contains neither any materially misleading statements nor any omissions of material information that ought to be declared. Signature of the reporting person ( Mr. Tan

certify that the foregoing statement in this report is complete and accurate and contains neither any materially misleading statements nor any omissions of material information that ought to be declared

) ( ) other (please specify) I hereby certify that the foregoing statement in this report is complete and accurate and contains neither any materially misleading statements nor any omissions of material

specify) ( ) other (please specify) I hereby certify that the foregoing statement in this report is complete and accurate and contains neither any materially misleading statements nor any omissions of

report is complete and accurate and contains neither any materially misleading statements nor any omissions of material information that ought to be declared. Signature of the reporting person ( Mr. Tan

specify) ( ) other (please specify) I hereby certify that the foregoing statement in this report is complete and accurate and contains neither any materially misleading statements nor any omissions of

report is complete and accurate and contains neither any materially misleading statements nor any omissions of material information that ought to be declared. Signature of the reporting person ( Mr. Tan

specify) ( ) other (please specify) I hereby certify that the foregoing statement in this report is complete and accurate and contains neither any materially misleading statements nor any omissions of