evaluation by the SEC Office regarding the management of the operational risk and the customer relationship risk not higher than the medium level or in an acceptable level, unless granted an exemption from the

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to remain fragile as overall purchasing power has not yet recovered, and household debt remains at a high level. The operating result of the Company in this quarter is still in line with the plan

level of household debt and conservative spending are continue to hinder domestic consumption by limiting consumption with only necessary items, decreasing in spending frequency and low- price. The

. The Company has drawdown loan for acquisition of subsidiary shares in 2Q’18 causing rising debt level at the end of December 2018 and subsequently paid down loan from its operating cash flow and