persuaded clients to invest in funds and withdrew large sums of money from the clients’ accounts. However, she did not make any investment transactions in accordance with the clients’ intention and
situation (including the status of any restructuring negotiations or agreement, if applicable). 3. A statement as to whether there have been any defaults on payments of either interest and/or principal sums
whether there have been any defaults on payments of either interest and/or principal sums in respect of any borrowings throughout the past one financial year and the subsequent financial period thereof as