uncertainty relating to the future outcome of exceptional litigation or regulatory action (paragraph........); ฆ 5.3 A major catastrophe that has had, or continues to have, a significant effect on the entity’s

apply) ( 5.1 Using of going concern assumption appropriate but a material uncertainty exists (paragraph number.......) ( 5.2 An uncertainty relating to the future outcome of exceptional litigation or

Rating for the year 2019, be acknowledged. TRIS Rating upgraded the Company rating and the ratings of the Company’s outstanding senior unsecured debentures to “A” from “A-”. The rating upgrade reflects

governance (ESG) issues Market Conduct and Customer data security and privacy Business operations defined by good corporate governance practices 8 Upgraded ESG Environmental Key Performance Indicators

 shown by the movement of the foreign currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None

 currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3

shown by the movement of the foreign currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement. Exceptional Items None

 balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3

 shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3

 section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3