for the applicant to clarify in person or submit additional supplementary documents; Clause 20. The SEC Office shall notify the applicant of the result of the consideration for the application for

meeting of the board of directors, either the directors attending the meeting in person or the meeting via electronic conferencing, no less than one- half (1/2) of the total number of directors present at

points of the criteria can be summarized as follows:  Banks are allowed to conduct customer identity verification either in-person or remotely via the National Digital ID Platform (NDID).  To verify