because the Company can control effective operating and administrative expenses well in accordance to the Digitalization plan, which reducing some operating and administrative expenses. The operating and

reducing loan interest LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter Ended 31 March 2021 Page 9/19 rate for both retail and corporate customers, offering

medicines, expanding various product types, increasing revenue and reducing costs Agenda 4 To consider and approve the issuance and offering of debentures in an amount not exceeding 300 million Baht. The

acknowledgement to create awareness of the IT security in the use of the cloud computing; (7) define clear roles and responsibilities of the cloud provider such as the data backup, the helpdesk services, the

management that should be applied by each intermediary and for determining a clear detail of practical approaches suitable for size and complexity of business operation of companies. In addition, the

clear detail of practical approaches suitable for size and complexity of business operation of companies. In addition, the intermediaries should study standards and practice guidelines for business

shall have a clear scope of work and shall not combined with other units which will lead to conflict of interest; □ (2) Procedures in controlling person in and out of the unit responsible for custody the

unit responsible for custody of private fund assets shall have a clear scope of work and shall not combined with other units which will lead to conflict of interest; □ (2) Procedures in controlling

apparently inconsistent with the client's financial records and no clear justification is given by the client concerning the source of fund; (6) transactions that are not economically viable e.g. client

amount in terms of size/volume is transacted, which is apparently inconsistent with the client's financial records and no clear justification is given by the client concerning the source of fund; (6