the first refresher course relating to securities and exchange laws, relevant rules and regulations and ethics and professional standards administered by an association or a training institute

cause any conflicts of interest with the management of mutual funds; (2) Having attained the age of twenty; (3) Having passed the fundamental knowledge examination for professionals administered by a

by the company etc.. 2.5.2 Premises and equipment expenses means depreciation, rent, repair and maintenance, insurance premium, housing and land tax, water fee, electrical fee, telephone fee, material