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. Enclosure 3 12 The SSG Group has a clear problem-solving guideline, which will help ameliorate the financial status of the Company. Nevertheless, in order to minimize the risk regarding the Company’s

support the Company’s continuous operation in the future. The SSG Group has a clear problem-solving guideline, which will help ameliorate the financial status of the Company. Nevertheless, in order to

of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance Project" of the Securities and Exchange

understand their needs, paid more attention to building good relationship with all groups of customers and offered integrated financial products and services as to respond to each segment explicitly. The bank

understand the feature, risks and specific conditions of such capital market products every time before making a decision to invest. After having performed in compliance with the first paragraph, the

ought to understand the feature, risks and specific conditions of such capital market products every time before making a decision to invest. After having performed in compliance with the first paragraph

Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 6/22 2. Loan Services The bank has divided the customers into the segments to deeply understand their needs, paid more attention in

understand their needs, paid more attention to building good relationship with all groups of customers and offered integrated financial products and services as to respond to each segment explicitly. The bank

Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 6/22 2. Loan Services The bank has divided the customers into the segments to deeply understand their needs, paid more attention in