safekeeping advance money based on the nature of transactions.  Real-time or same-day funds transfer service: If such transactions cannot be processed for recipients or other electronic funds transfer service

chilled water decreased by 1,908 thousands Refrigeration-ton or 26% due to the lower temperature in Q4/2017 that caused the decrease in chilled water consumption. • The cost of sales of goods and rendering

improved only by 0.6% due to the low temperature, off-season rain and the hot storm in some areas in the first quarter of 2018 together with the increase in Independent Power Supply (IPS). The peak