Investor Presentaiton

9 The Central Bank is moving to fortify governance internally and in the oversight of licensees.mm.com AG 區 CENTER BAK STRATEGIC PLAN BLOW THE WHISTLE INTEGRITY. HONESTY, ACCOUNTABILITY PUBLIC INTEREST CONCERNS Financial Malpractice Fraud Criminal Offences Breaches of Legal Obligations Ethical Misconduct Corporate Governance Guideline; Fit and Proper Guideline Onsite Examinations - Assessment of Board, Board Committees and Senior Management Governance in Licensees Fit and Proper assessments of Directors and Main Management Positions Quarterly Meetings with Institutions Review of Board Minutes and Papers 11

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