, irresponsibility, carelessness to the client’s benefit, recklessness or unfair or unreliable business conducts, except where the applicant has received the permission from the Office due to the improvement in its

nature of deceit or dishonesty or irresponsibility, carelessness in protecting clients’ benefits or lack of cautiousness or unfair or unreliable business conducts; (4) Be able to show that its systems for

by the company etc.. 2.5.2 Premises and equipment expenses means depreciation, rent, repair and maintenance, insurance premium, housing and land tax, water fee, electrical fee, telephone fee, material