. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES ..................................... 12 XI. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS ..................... 12 XII. INTERESTS OF EXPERTS AND COUNSEL

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

EXPERTS AND COUNSEL ............................................................. 12 XII. FINANCIAL INFORMATION ................................................................................ 12 XIII

individual, and shall be allowed to undertake a derivatives business only after a license from the SEC has been obtained. Any derivatives business operator which is a legal entity under Section 17 and engages

extended our aspiration to become the most-preferred platform that can meet customers’ needs in every aspect of their lives. All of these endeavors aim to understand and anticipate each individual customer’s

and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life

3 VIII. OPERATING AND FINANCIAL REVIEW AND PROSPECTS 5 IX. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES 6 X. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS 7 XI. INTERESTS OF EXPERTS AND COUNSEL 8

who is responsible for financial statements. 2.4 The board of directors are knowledgeable for the company business and have expertise beneficial to the company or can seek advices from experts in a

” concept. All of these endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept, and to provide smart, personalized financial and life solutions to the

. Related Party Transactions × XII. INTERESTS OF EXPERTS AND COUNSEL XIII. FINANCIAL INFORMATION A. Consolidated Statements and Other Financial Information × B. Significant Changes × XIV. ADDITIONAL