• Financial literacy does not lead to QoL directly • Financial literacy needs to be redefined to include “Digital literacy” • One needs to have willing attitude to learn new things to overcome risks
conditions stated therein. The proposed sell-down of the Units is strictly a f inancing exercise to fund, amongst other things, working capital needs and to pay the Company’s indebtedness and liabilit ies
stated therein. The sale price was determined through a book building process. The proposed sell-down of the Units is strictly a financing exercise to fund, amongst other things, working capital needs and
since October 31, 2013. Management Discussion and Analysis For the Year Ended December 31, 2019 Page 5 1.10 Share Purchase of Things on Net Company limited On November 19, 2019, the Company has purchased
business operation. However, using information technology may cause certain risks arising from the operation of the securities company in various respects. Among other things, the SEC Office considers these
complaint, regulators follow up. The complaint is often but not always adjudicated by FINRA • A regulator in every industry does different things, the entities we study are different than those in banking THE
institution. 10. Conditions precedent Completion of the Transaction is subject to, among other things which included the indicated key condition precedent in the Share Sale and Purchase Agreement. 11. Opinion
terms and conditions from such financial institution. 10. Conditions precedent Completion of the Transaction is subject to, among other things which included the indicated key condition precedent in the
conditions from such financial institution. 10. Conditions precedent Completion of the Transaction is subject to, among other things which included the indicated key condition precedent in the Share Sale and
help expand the customer base and create ecological system. FSMART will have a complete database to contribute more valuable things in the future.