the period that the Group lost revenue from the temporary branches closure (2) a decrease in bank fees and (3) a decrease of various expenses from cost control measure such as work from home policy to
reduction measure. • Selling expenses to total revenue in Q3/2020 was 27.6% which increased by 0.8% from Q3/2019. This is due to the higher proportion of the decrease in revenue from sales than the decrease
with the pervious quarter. The improvement was due to the easing of lockdown measure and domestic travel restriction, coupling with the implementation of government policies, which resulted in the
expenses reduction measure. • Selling expenses to total revenue in Q4/2020 was 32.4%, increased by 3.0% from Q4/2019. This is due to the higher proportion of the decrease in revenue from sales than the
severe outbreaks in Q2- 2021, which impacted a wide range of economic activities, particularly the tourism and service sectors with more stringent disease-control measures. However, this control measure is
measure for such procedure, if necessary. 5.2 The board of directors and executives set suitable indicators for performance appraisal, incentives and rewards with regard to code of conduct, and the
information in detail [i] to the intermediary , the derivatives exchange, the derivatives clearing house or the SEC Office upon request or [ii] according to the rules as specified by the exchange, the clearing
provide the following information, and clarify such information in detail [i] to the intermediary, the derivatives exchange, the derivatives clearing house or the SEC Office upon request or [ii] according