on risks and possibility of major operational disruptions due to a possible emergency incident, as well as analyse a business impact and assess damages from major operational disruptions, so that

emergency incidents which may cause major operational disruptions to the critical functions Companies shall arrange an assessment on risks and possibility of major operational disruptions due to a possible

risk factors connected to the mutual fund as well as guidelines for managing such risks arranged according to the possibility of occurrence and significance of impact from highest to lowest. In

customers are cash holders. The possibility of change of customer behavior is low. The main factor of change from prepaid to postpaid is the customers’ higher income. Thus, the Company still maintains the

increase the frequency of use. The Company is confident that prepaid customers are cash holders. The possibility of change of customer behavior is low. The main factor of change from prepaid to postpaid is

show the possibility of providing innovative financial services, including the research results on potential risks from the regulatory sandbox ; (8) having no record of violating or failing to comply

) having the study or research results that show the possibility of providing innovative financial services, including the research results on potential risks from the regulatory sandbox; (8) having no

research results that show the possibility of providing innovative financial services, including the research results on potential risks from the experiment; (6) having no record of violating or failing to

show the possibility of providing innovative financial services, including the research results on potential risks from the experiment; (6) having no record of violating or failing to comply with the

credit rating agency from the possibility for the bank to receive financial support from the Government, if in need. Clause 7/3 3 To select credit rating information under clause 7/2, derivatives broker