<SEC-DOCUMENT>0001683168-19-002372.txt : 20190729
<SEC-HEADER>0001683168-19-002372.hdr.sgml : 20190729
<ACCEPTANCE-DATETIME>20190729163510
ACCESSION NUMBER:		0001683168-19-002372
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		9
CONFORMED PERIOD OF REPORT:	20190723
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190729
DATE AS OF CHANGE:		20190729

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			APPLIED OPTOELECTRONICS, INC.
		CENTRAL INDEX KEY:			0001158114
		STANDARD INDUSTRIAL CLASSIFICATION:	SEMICONDUCTORS & RELATED DEVICES [3674]
		IRS NUMBER:				760533927
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36083
		FILM NUMBER:		19981601

	BUSINESS ADDRESS:	
		STREET 1:		13139 JESS PIRTLE BLVD
		CITY:			SUGAR LAND
		STATE:			TX
		ZIP:			77478
		BUSINESS PHONE:		281-295-1800

	MAIL ADDRESS:	
		STREET 1:		13139 JESS PIRTLE BLVD
		CITY:			SUGAR LAND
		STATE:			TX
		ZIP:			77478

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	APPLIED OPTOELECTRONICS INC
		DATE OF NAME CHANGE:	20010824
</SEC-HEADER>
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<TYPE>8-K
<SEQUENCE>1
<FILENAME>applied_8k.htm
<DESCRIPTION>FORM 8-K
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<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D. C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>______________</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
July 23, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>______________</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Applied
Optoelectronics, Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Exact name of Registrant as specified
in its charter)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Delaware</B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>001-36083</B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>76-0533927</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>(State or incorporation)</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>(Commission File Number)</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>(I.R.S. Employer Identification No.)</B></FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>13139 Jess Pirtle Blvd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Sugar Land, TX 77478</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(address of principal executive offices
and zip code)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(281) 295-1800</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Registrant&rsquo;s telephone number,
including area code)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>______________</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Check the appropriate box below if the
Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&#9744;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&#9744;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&#9744;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&#9744;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Securities registered pursuant to Section
12(b) of the Act:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Title of each Class</B></FONT></TD>
    <TD STYLE="width: 30%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Trading Symbol</B></FONT></TD>
    <TD STYLE="width: 37%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Name of each exchange on which registered</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Common Stock, Par value $0.001</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">AAOI</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">NASDAQ Global Market</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Indicate by check mark whether the registrant
is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2
of the Securities Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Emerging growth company &#9744;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If an emerging growth company, indicate
by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial
accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 14%; font-size: 10pt"><B>Item 1.01</B></TD>
    <TD STYLE="width: 86%; font-size: 10pt"><B>Entry into a Material Definitive Agreement.</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42.5pt">On July 23, 2019, Prime World International
Holdings, Ltd. (&ldquo;Prime World&rdquo;), a wholly owned subsidiary of Applied Optoelectronics, Inc., entered into a one-year
revolving credit facility totaling 100,000,000 NTD (the &ldquo;NT$100M Credit Line&rdquo;) and 1,000,000 USD (the &ldquo;US$1M
Credit Line&rdquo;) with Taishin International Bank in Taiwan (the &ldquo;Bank&rdquo;). Borrowing under the NT$100M Credit Line
will be used for short-term working capital; the borrowing under the US$1M Credit Line will be strictly used for spot transactions
in the foreign exchange market. The NT$100M Credit Line and US$1M Credit Line are collectively referred to as the &ldquo;Credit
Facility&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42.5pt">Prime World may draw upon the Credit Facility
from July 23, 2019 through July 31, 2020. The term of each draw shall be either 90 or 120 days. Borrowings under the NT$100M Credit
Line will bear interest at a rate of 2.25% for 90 day draws and 2.2% for 120 day draws; borrowings under the US$1M Credit Line
will bear interest equal to the Bank&rsquo;s foreign exchange rate effective on the day of the applicable draw. At the end of the
draw term Prime World will make payment for all principal and accrued interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42.55pt">Prime World&rsquo;s obligations under
the Credit Facility will be secured by a promissory note executed between Prime World and the Bank. The agreements for the Credit
Facility contain representations and warranties, and events of default applicable to Prime World that are customary for agreements
of this type.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42.5pt">The foregoing description of the Credit
Facility does not purport to be a complete statement of the parties&rsquo; rights and obligations under the Credit Facility and
is qualified in its entirety by reference to the translation of the full text of the Approval Notice of Credit Line, General Agreement
for Financial Transaction, Credit Facility Agreement, and Promissory Note which are attached as Exhibit 10.1 through 10.4 to this
Current Report on Form 8-K and are incorporated by reference herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 14%; font-size: 10pt"><B>Item 2.03</B></TD>
    <TD STYLE="width: 86%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Creation of a Direct Financial Obligation or an Obligation
        under an Off-Balance Sheet Arrangement of a Registrant.</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42.5pt">The information contained in Item 1.01
of this Current Report on Form 8-K with respect to the Amendment is incorporated by reference herein and made a part hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 14%; font-size: 10pt"><B>Item 9.01</B></TD>
    <TD STYLE="width: 86%; font-size: 10pt"><B>Financial Statements and Exhibits.</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d) Exhibits</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">10.1</TD><TD><A HREF="appliedopto_ex1001.htm">Translation of the Approval Notice of Credit Line.</A></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: -1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">10.2</TD><TD><A HREF="appliedopto_ex1002.htm">Translation of the General Agreement for Financial Transaction, dated July 23, 2019, between Prime World International Holdings Ltd. and Taishin International Bank.</A></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">10.3</TD><TD><A HREF="appliedopto_ex1003.htm">Translation of the Credit Facility Agreement, dated July 23, 2019, between Prime World International Holdings Ltd. and Taishin International Bank</A>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: -1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">10.4</TD><TD><A HREF="appliedopto_ex1004.htm">Translation of the Promissory Note, dated July 23, 2019, between Prime World International Holdings Ltd. and Taishin International Bank</A>.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.55in">Pursuant to the requirements of the Securities
Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>Applied Optoelectronics, Inc.</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 30%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1pt solid">/s/ David C. Kuo</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name</TD>
    <TD>David C. Kuo</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>General Counsel and Vice President</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: July 29, 2019</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


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<DOCUMENT>
<TYPE>EX-1
<SEQUENCE>2
<FILENAME>appliedopto_ex1001.htm
<DESCRIPTION>APPROVAL NOTICE
<TEXT>
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<P STYLE="margin: 0">Exhibit&nbsp;10.1</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Approval Notice of Credit Line</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 14.2pt">I.</TD><TD>Regarding the related transactions between your company and the Bank, the transaction conditions approved by the Bank are as
follows:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Amount Unit: One thousand NTD</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 17%; border: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction Type</FONT></TD>
    <TD STYLE="width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Credit Line</FONT></TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest Rate</FONT></TD>
    <TD STYLE="width: 53%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Usage/Note</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.&nbsp;&nbsp;&nbsp; Comprehensive Credit Line</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>100,000</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(1)</B> Short term loan - Import <B>0/A</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(100,000)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Negotiable on a case-by-case basis</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.15pt; text-indent: -12.15pt">1. Revolving loans</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.15pt; text-indent: -12.15pt">2. <B>120-day </B>repayment
        period</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.15pt; text-indent: -12.15pt"><FONT STYLE="font-weight: normal">3.</FONT>
        The current reference rate for <B>120-day</B> period is <B>2.2%</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.15pt; text-indent: -12.15pt">4. A copy of the <B>Invoice</B>
        must be obtained before the loan can be issued; credited in full amount; the remittance restricted only to the suppliers (must
        not be enterprises/individuals)</P></TD></TR>
<TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(2)</B> Short term loan</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(100,000)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Negotiable on a case-by-case basis</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.15pt; text-indent: -12.15pt">1. Revolving loans</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.15pt; text-indent: -12.15pt">2. <B>90-day </B>repayment
        period</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.15pt; text-indent: -12.15pt"><FONT STYLE="font-weight: normal">3.</FONT>
        The current reference rate for <B>90-day</B> period is <B>2.25%</B></P></TD></TR>
<TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Financial Derivatives </B>Credit Line - Hedging</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>USD 1,000</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Negotiable with Financial Marketing Department </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-indent: -12.2pt">1. Shall restrict only for
        spot transactions in the foreign exchange market.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-indent: -12.2pt">2. The part of the hedging
        amount that exceeds 30% of the MTM loss needs to be replenished with margin or deposit within two business days.</P></TD></TR>
<TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>100,000+</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>USD 1,000</B></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Maturity Date: <B>July 31,2020</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Additional (special) conditions:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">1.&nbsp;&nbsp;&nbsp; From August
        1, 2019, the Bank will quarterly check and review if the amount of your company&rsquo;s average deposit during each quarter (exclude
        the cash deposited in the account and pledge of a banking deposit) is more than or equal to <B>30%</B> of the average credit amount
        during each quarter.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">2.&nbsp;&nbsp;&nbsp; From August
        1, 2019, the Bank will quarterly check and review if the amount of the fund transfer between you and your non-related parties during
        each quarter is more than or equal to <B>USD 2 million.</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">3.&nbsp;&nbsp;&nbsp; Please
        provide the Quarterly Consolidated Financial Statements of your parent company (&ldquo;AOI&rdquo;) before August 31, 2019 and November
        30, 2019, and March 15, 2020 and May 31, 2020 for the Bank&rsquo;s reference<B>.</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">4.&nbsp;&nbsp;&nbsp; Before
        the loan can be issued, a <B>letter of responsibility</B> issued by <B>Prime World International Holdings Ltd.</B> shall be required.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">5.&nbsp;&nbsp;&nbsp; At the
        end of each quarter (<B>March</B>, <B>May</B>, <B>August</B>, <B>and November</B>), the <B>Applied Optoelectronics, Inc.'s shareholding</B>
        in Prime World International Holdings Ltd. shall be checked, which must not be less than <B>100%</B>.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">6.&nbsp;&nbsp;&nbsp; Other
        matters not mentioned herein shall be governed by the Bank's related policy.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 14.2pt">II.</TD><TD>Under the above-mentioned conditions, if there are difficulties obtaining the funds due to market factors, or these conditions
cannot properly reflect the costs of the Bank's acquisition for the related funds, the Bank reserves the rights to make the adjustments
in a timely manner to the amounts of the loan, usage, and the re-determination of the loan interest rates.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 21.3pt">III.</TD><TD>We kindly request your company/your good self to check with the relevant documents for signing and other matters.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Kind Regards</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%">&nbsp;</TD>
    <TD STYLE="width: 40%; border: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Confirmation with Signature</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The company/I have fully understood the above content and agreed that it is a part of the agreement signed with the Bank.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Prime World International Holdings Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Taiwan Branch</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Date: July 8, 2019</P>



<P STYLE="margin: 0"></P>

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<TYPE>EX-3
<SEQUENCE>3
<FILENAME>appliedopto_ex1002.htm
<DESCRIPTION>GENERAL AGREEMENT
<TEXT>
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<P STYLE="margin: 0">Exhibit 10.2</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><IMG SRC="image_003.jpg" ALT="605c0403-e6ef-43a2-beea-fb6a5988d23f" STYLE="height: 199px; width: 213px"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Taishin International Bank</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>General Agreement for Financial Transaction</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><IMG SRC="image_004.jpg" ALT="" STYLE="height: 28px; width: 576px"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Taishin International Bank</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>General Agreement for Financial Transaction</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer and Taishin International
Bank (hereinafter referred to as &ldquo;the Bank&rdquo;) agree to use this General Agreement for Financial Transaction (hereinafter
referred to as &ldquo;this Agreement&rdquo;) as the standard of both parties in terms of Financial Transactions that have been
made or to be made. All requirements, instructions, confirmations, transactional contracts and other documents signed or issued
by the Customer apply to all promises of this Agreement and constitute one part of this Agreement, unless otherwise expressly stated
in this Agreement. <B>All transactions made in accordance with this Agreement and confirmations that proved transactions, along
with this Agreement, constitute the single consensus between the Customer and the Bank.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Chapter I General Terms and Conditions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>1.</B></TD><TD STYLE="text-align: justify"><B>Definition </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unless otherwise specified, the following
definitions will apply to the situations below within this Agreement and Individual Transactional Contracts:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Financial Transaction&rdquo; or &ldquo;Transaction&rdquo;: Financial Transactions made from
time to time between the Bank and the Customer, including but not limited to Spot transactions or Forward transactions of Currency,
Currency exchange, exchange rate Option, Forward Rate Agreement, index swap, Cross Currency Swap, Exchange of Assets, Structured
Products, Credit Derivatives, Equity Derivatives, Commodity Derivatives, and all other financial derivative transaction contracts.
All Financial Transactions within this Agreement are not protected by deposit insurance.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Business Day&rdquo;: Refers to the Business Day of the Bank in the region of Taipei City
in Taiwan, Republic of China, and the Foreign Currency part are applicable to the international market practice; if there are special
provisions in individual transactional contracts, subject to the agreement of this contract.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Currency&rdquo;: Refers to new Taiwan Currency and any other country&rsquo;s legal tender
that the Bank agrees to deal with.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Foreign Currency&rdquo;: Refers to any other country&rsquo;s legal tender other than new
Taiwan Currency.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(5)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Spot&rdquo;: Transactions made on the trade date, the first Business Day after the transaction
date or the second Business Day after the transaction date for substantive settlement or balance settlement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(6)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Forward&rdquo;: Transactions that specify a future Business Day as the expiration date on
the trade date, and deal with substantive settlement or balance settlement at a specific price and specified amount.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(7)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Forward Rate Agreement&rdquo;: Transactions that specify a future period as the interest
period on the trade date, and deal with interest receipt and payment at a specific interest rate and specified amount.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(8)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Interest Rate Swap&rdquo;: Transactions that use different interest rate index of single
Currency as exchange goal to exchange interest or interest differential.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(9)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Currency Swap&rdquo;: Transactions that buy (sell) some foreign exchanges in the Spot market,
and at the same time sell (buy) equivalent amount of foreign exchanges in the Forward market.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(10)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Cross Currency Swap&rdquo;: Transactions that exchange principal and interest between different
currencies.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(11)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Exchange of Assets&rdquo; (ECB/CB Asset Swap): Exchange of Assets that use profits and equity
related convertible bonds as the target.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(12)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Credit Derivatives&rdquo;: Transactions that use credit and its relevant interest as the
goal, including but not limited to credit protection transactions, credit swap, credit default swap, credit spread transactions,
and so on.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(13)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Equity Derivatives&rdquo;: Transactions that use stock and its relevant interest as the
goal, including but not limited to equity or equity index Option, equity or equity index exchange transactions, and so on.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(14)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Commodity Derivatives&rdquo;: Transactions that use commodity price as the goal, including
but not limited to Commodity Swap, Commodity Option and Commodity Forward.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(15)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Option&rdquo;: The agreement that the capital of the Option commit that the Buyer with the
Option has the right (but not the obligation) to buy/sell a target interest from/to him at the time of the exercise of the Option
(including American, European, Bermuda, and so on).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(16)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Call Option&rdquo;: Refers to the right (but not the obligation) that the holder can buy
a target from the Option Seller at Strike Price, which is also known as Call Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(17)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Put Option&rdquo;: Refers to the right (but not the obligation) that the holder can sell
a target to the Option Seller at Strike Price, which is also known as Put Option.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(18)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Buyer&rdquo;: Refers to one party who buy or hold the Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(19)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Seller&rdquo;: Refers to the Seller of the Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(20)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Currency Option Agreement&rdquo;: The transaction that the Buyer of the Option commit that
Buyer with the Option has the right (but not the obligation) to buy a designated Currency from him and/or sell another designated
Currency to him at the time of the exercise of the Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(21)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Knock-in&rdquo;: When the Spot price reaches an agreed price, the Option comes into effect.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(22)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Knock-out&rdquo;: When the Spot price reaches an agreed price, the Option becomes invalid.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(23)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Cap&rdquo;: At the agreed Fixing Date, when the market interest rate is higher than the
performance interest rate, the Option Buyer has the right to execute the interest differential profit between the market interest
rate and the performance interest rate (not the obligation), and the Option Seller has the obligation to pay the interest differential
between the market interest rate and the performance interest rate to Buyer when the Buyer exercise the Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(24)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Floor&rdquo;: At the agreed Fixing Date, when the market interest rate is lower than the
performance interest rate, the Option Buyer has the right to execute the interest differential profit between the market interest
rate and the performance interest rate (not the obligation), and the Option Seller has the obligation to pay the interest differential
between the market interest rate and the performance interest rate to Buyer when the Buyer exercise the Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(25)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;American&rdquo;: The Option to exercise on any Business Day before expiring date (including
expiring date).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(26)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;European&rdquo;: The Option to exercise only on the expiring date.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(27)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Bermuda&rdquo;: The Option to exercise on any agreed Option exercise date.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(28)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Fixing Date&rdquo;: The Business Day on which price comparison is made between the market
price and the contracting price.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(29)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Premium&rdquo;: Refers to the Option consideration that Option Buyer paid to Seller, that
is, the amount of money Option Seller obtained due to the sale of the Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(30)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Strike Price&rdquo;: Refers to the consideration that should be paid for buying or selling
a specified Currency or other target asset according to contract provisions when exercising the Option.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(31)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Sold Option by Customer&rdquo;: Refers to the Option that Customer sells to the Bank.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(32)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Option with Intrinsic Value&rdquo;: Refers to the situation where Buyer is willing to exercise
the Option when the Option dealing goal&rsquo;s Spot price is beneficial to Buyer compared with its set price.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(33)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Maturity Date/Termination Date&rdquo;: The Maturity Date of each Financial Transaction contract
made according to this Agreement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(34)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Settlement Day&rdquo;: Refers to the Business Day on which substantive settlement or balance
settlement is made, unless otherwise agreed in individual transactional contract, which is usually the Fixing Date or the second
Business Day after the maturity Date.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(35)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Structured Product&rdquo;: Refers to the Structured Product transaction that combines fixed
income products with financial derivatives (such as Option), and it can join a large number of goals, including transactional contracts
derived from interest rate, exchange rate, stock price, index, commodity, credit event or other interests and their combinations.
Structured Product is not a general traditional savings account, but an investment. Its profit and loss are influenced by many
factors, such as the price of the target asset, the volatility of the index or the performance, or the occurrence of the agreed
credit event. In the situation where certain conditions are met, the profit of Structured Product may be higher than that of the
common simple deposit rate; otherwise, it may reduce and erode the investment principal. <B>The Bank doesn&rsquo;t promise to return
all investment principal when the agreement is terminated before maturity, and modest capital preservation at maturity is depending
on the condition set up. Each Structured Product transaction that ordered by Customer according to this Agreement takes the Structured
Product Transaction Confirmation as the voucher.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(36)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Electronic Transmission Mode&rdquo;: From time to time, the Bank decides or works out Electronic
Transmission Mode for communication between the Bank and the Customer, including telephone, fax, interactive visualized information
system, computer, terminal or other electronic or telecommunication equipment.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(37)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Calculation Agent&rdquo;: Refers to the calculation of each amount, interest rate, exchange
rate, price, profit, cost, and so on involved in this Agreement and individual transactional contract, and the identification of
the occurrence of each event referred by individual transaction&rsquo;s product specification or Transaction Confirmation, as well
as other conditions must be identified or calculated or adjusted by Calculation Agent.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(38)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Customer&rdquo;: If this Agreement is signed jointly by a Customer, which is a securities
investment trust limited liability company (hereinafter referred to as the &quot;trust company&quot;), on behalf of its raised
funds/private placements, together with the custodial bank, the Customer referred to in this Agreement shall, unless otherwise
agreed, refer to the trust company, the custodian bank and the fund in principle. Also, this Agreement is an agreement on financial
derivative instrument transactions between the funds and the Bank.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(39)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Confirmation Letter&rdquo; or &ldquo;Transaction Confirmation&rdquo;: means a document containing
the transaction conditions (including but not limited to the amount, the term, etc.) and special terms and conditions agreed between
the Customer and the Bank, which is issued by the Bank after it receives the instruction of the Customer to make a Financial Transaction.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(40)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Close-out Amount&rdquo;: For each terminated transaction, it refers to losses suffered or
commonly incurred (expressed with positive figures) due to the economic interests which shall be restored in or provided to the
Bank, including the economic interests (1) which shall be equivalent to that specified in the principal previsions concerning the
relevant terminated transactions (including the equivalent economic interests that both parties shall pay or provide concerning
terminated transaction according to this Agreement in case of no Termination Date has occurred), and economic interests (2) which
shall be equivalent to the Options enjoyed by both parties in relation to the terminated transaction, or refers to the interests
realized or commonly realized (expressed with negative figures) by the Bank. Any Close-out Amount shall be determined in good faith
by the Bank.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(41)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Termination Currency&rdquo;: shall be calculated in NTD, and if the NTD does not circulate
freely, this shall be calculated in US dollars.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(42)</TD><TD STYLE="text-align: justify; width: 96%">&ldquo;Termination Currency Equivalent&rdquo;: For amounts settled in the Termination Currency,
it refers to the amount of the Termination Currency; for amounts settled in currencies other than the Termination Currency (&ldquo;other
currencies&rdquo;), it refers to the amount of the Termination Currency required for the purchase of such amount of other currencies
with a Spot rate chosen by the Bank on the relevant Termination Date, or if the Bank settles the amount on a later date, it refers
to the amount of the Termination Currency required for the purchase of such amount of other currencies with the Spot rate at approximately
11:00 am Taipei time on this later date.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Except as otherwise provided in this
Agreement or in the Confirmation Letters of the individual transaction contracts, the terms used in this Agreement and the Confirmation
Letters of the individual transaction contracts shall give priority to the application of the latest version of the definitions
made by International Swaps and Derivatives Association, Inc. (or ISDA) whenever applicable, or shall be interpreted in accordance
with relevant laws of the Republic of China or current market practices. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Matters that are not covered in this
Agreement are subject to the Confirmation Letters of individual transactions, condition descriptions/product descriptions or current
market practices. If there are any inconsistencies between provisions, the following order of priority shall apply: verbal or written
transaction contracts (including Confirmation Letters), special provisions under this Agreement, General Provisions under this
Agreement. </B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD STYLE="text-align: justify"><B>Individual Transaction Contracts </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">Price offering: The Customer may at any time request the Bank to provide reference prices for individual
transactions. However, unless the Bank and the Customer establish separate transaction contracts in accordance with this Agreement,
the prices provided by the Bank shall not be binding on neither party.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Condition description/Product description: The Bank has the right to provide a description on an
individual transaction to the Customer for reference, and the Bank has the right to change any transaction conditions in the description
at any time. However, unless the Bank and the Customer establish relevant transaction contracts according to this Agreement, the
description provided by the Bank shall not be binding on neither party. And if there are any additions, deletions or changes made
to the description, the Bank shall keep the Customer informed.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">Advices: Though the Customer may ask for advices on the transactions from the Bank, the advices
shall only be used for the Customer&rsquo;s reference. All transactions shall be conducted in the sole judgment of the Customer.
The Bank shall not be responsible for any gains or losses from the transactions. The Customer also undertakes that it will not
recover any losses from the Bank in respect of any of the Bank's advices on the transactions under any circumstances. The Bank
has the absolute right to refuse to provide any advices depending on the circumstances.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: justify; width: 96%">Offer or Instruction: The Customer must issue a transaction offer or instruction to the Bank for
individual transactions. For the purpose of this Agreement, the Customer hereby requests and authorizes the Bank to accept the
offer or instruction given by the Customer verbally or in writing or by any other means approved by the Bank (collectively &ldquo;Instructions&quot;).
These Instructions may be withdrawn before the Bank completes the transaction. The Bank shall act in accordance with the instructions
of the Customer whether they are given verbally, in writing or otherwise. Each person listed in the &quot;Power of Attorney for
Authorized Transaction Personnel&quot; made under this Agreement shall be the person authorized by the Customer to act on his/her
behalf to give instructions to the Bank. Unless and until the Bank actually receives any written notice of withdrawal or amendment
of the &ldquo;Power of Attorney for Authorized Transaction Personnel&rdquo;, the Bank should follow the instructions of the original
&ldquo;authorized transaction personnel&quot;. The Customer expressly agrees that, the fact whether the instructions made by the
authorized personnel who are listed in the &ldquo;Power of Attorney for Authorized Transaction Personnel&rdquo; are indeed the
very ones executed shall rely on the records preserved by the Bank for verification. The Bank shall not be responsible for any
losses suffered by the Customer (including any errors or omissions during the delivery of any instructions), except for those caused
by the intentional or gross negligence of the Bank. And the Customer agrees to make up for any loss, damages, or expenses incurred
or committed by the Bank due to such errors or required actions taken by the Bank. Notwithstanding the above provisions, the Bank
may refuse any instructions at its discretion.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(5)</TD><TD STYLE="text-align: justify; width: 96%">When the Bank accepts a transaction offer or instruction from the Customer, the corresponding individual
transaction contract is established immediately and shall be binding on both parties. The Bank shall confirm it with the Customer
in accordance with the provisions of Article 3.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(6)</TD><TD STYLE="text-align: justify; width: 96%">Transaction documents: According to the regulations of the Bank, individual transaction contracts
can be established verbally or in writing.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(7)</TD><TD STYLE="text-align: justify; width: 96%">Verbally and in writing: &ldquo;Verbally&rdquo; means the instructions are delivered personally
or through a phone call by the person authorized by the Customer; and the Customer agrees that the Bank may record and archive
the conversation between the two parties to serve as evidence. &ldquo;In writing&rdquo; means that the instructions are delivered
through an original (including electronic files) file or a facsimile copy or a file transmitted in a way approved by the Bank,
and the Customer agrees that such a facsimile copy or a file transmitted in other ways shall have the same force as the original
one, and that the Bank may act on such files for instructions, and the Customer shall raise no objection to this, and shall send
the original files to the Bank for filing within ten days after the fax or transmission. If the Bank believes that the text or
data in the facsimile copy is ambiguous or doubtful, it shall confirm with the Customer and the copy shall be seen as valid only
after it has been confirmed. &quot;Other means approved by the Bank&quot; means electronic transaction or other agreed transaction
methods that have been approved by the Bank.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>3.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Confirmation </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">Confirmation by telephone: The Bank may confirm the essential conditions of the transaction with
the authorized confirmation personnel designated by the Customer via a telephone on the completion date of the transaction. If
the Bank has not confirmed via telephone, the validity of the transaction shall not be affected.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Written confirmation: Except for Spot transactions, the Bank shall send a Confirmation Letter to
the Customer within five Business Days from the day after the day of completion of the transaction. Once the Customer confirmed
the transaction, it shall stamp on the Confirmation Letter the confirmation seal as shown in the letter of authorization, and shall
send it back to the Bank. If the Customer has any doubts about the matters contained in the Confirmation Letter, it shall raise
an objection immediately to the Bank by phone. The Bank shall verify the debatable transaction conditions raised by the Customer.
When a verbal or written transaction differs from the information contained in the Confirmation Letter, the verbal or written transaction
shall prevail. If the Customer has not filed an objection within three Business Days after the Confirmation Letter was delivered
(or seen as delivered) in the manner indicated in this Agreement, it is regarded that the Customer has accepted and agreed to the
content of the Confirmation Letter, and the Customer shall raise no objection. After receiving an objection notice from the Customer,
the Bank will verify the objection filed by the Customer and make a decision. The decision made by the Bank shall prevail unless
it is obviously erroneous. If the Bank has verified that the Confirmation Letter was incorrect, the Confirmation Letter shall be
resent. If the Customer has completed delivery or settlement before sending back the Confirmation Letter, it shall be deemed that
the transaction has been confirmed, but the Customer is still obliged to send the Confirmation Letter back. If the Bank finds that
the Confirmation Letter sent to the Customer is incorrect or different from the content of the verbal transaction, the Bank has
the right to resend the Confirmation Letter to the Customer.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">Electronic transmission system confirmation (including but not limited to the corporate financial
network system of the Bank): The Bank may send an electronic Transaction Confirmation in place of a written Transaction Confirmation.
The Customer agrees and is aware of that:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 92%">Although not expressly indicated in the electronic Transaction Confirmation, the electronic Transaction
Confirmation shall form the Confirmation Letter referred to in this Agreement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 92%">The electronic Transaction Confirmation shall form or be appended as part of this Agreement. Except
as otherwise agreed in the contents of the electronic Transaction Confirmation, the provisions under this Agreement and all types
of contracts executed through electronic transmission system shall apply to the electronic Transaction Confirmation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">C.</TD><TD STYLE="text-align: justify; width: 92%">In case the Customer intends to confirm transactions with the corporate financial network service
system, he shall apply to the Bank for the use of the corporate financial network service, and confirm every derivative transaction
with the Bank through the corporate financial network service system (hereinafter referred to as the System) as agreed in the <I>Application
for Corporate Financial Service System of Taishin International Commercial Bank</I>. Additionally the Customer shall set authorized
confirmation personnel and user code, password on the system by himself; the same action shall be performed if any change occurs;
the authorized confirmation personnel is set and managed by the Customer, and the Customer understands and promises that the authorized
transaction personnel and the authorized confirmation personnel of the same transaction shall not be the same person, but the Bank
is not responsible for confirming the identity of the confirmation personnel and whether he is the same person as the transaction
person. All confirmations based on valid user code and password are deemed as done by the authorized confirmation personnel, and
are binding on the Customer.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">D.</TD><TD STYLE="text-align: justify; width: 92%">After the Customer and the Bank perform the Financial Transactions referred to in this Agreement,
the Bank shall transmit Transaction Confirmation of the transactions made by the Customer to the System, and shall notify the Customer
of the transaction messages to be confirmed by email. The confirmation personnel authorized by the Customer shall confirm the messages
on the System immediately. If the Customer has doubts on the items contained in the electronic Transaction Confirmation, he should
immediately click &quot;incorrect transaction content, reject&quot; and select the objected items to inform the Bank. The Bank
shall verify the debatable transaction conditions raised by the Customer. If more than two authorized confirmation person deal
with the same Transaction Confirmation at the same time, the first confirmation or rejection message sent to the system shall prevail.
For the time being, others cannot confirm or reject this transaction. Verbal transactions shall prevail when there are differences
between verbal transactions and items contained in the electronic Transaction Confirmation. If the Customer does not raise an objection
within three Business Days after the electronic Transaction Confirmation is sent by the Bank, it shall be considered that the Customer
accepts and agrees with no objections that the items contained in the electronic Transaction Confirmation are correct. After receiving
objection notices from the Customer, the Bank will verify the corresponding content of the objection raised by the Customer and
make decisions. The decisions made by the Bank shall prevail unless it is obviously erroneous. If the Bank verified that there
are mistakes in the electronic Transaction Confirmation, the electronic Transaction Confirmation shall be re-transmitted and the
Customer shall be notified by e-mail. The Customer shall reconfirm it immediately. If the Customer has completed delivery or settlement
before confirming the electronic Transaction Confirmation, the Customer shall be deemed to confirm the transaction message, but
he is still obliged to confirm the electronic Transaction Confirmation. If the Bank finds that the electronic Transaction Confirmation
transmitted to the Customer is incorrect or different from the content of the verbal transaction, the Bank has the right to re-transmit
the electronic Transaction Confirmation to the Customer.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">E.</TD><TD STYLE="text-align: justify; width: 92%">In case the Customer intends to confirm the transaction with other electronic transmission systems
that have been approved by the Bank and opened to the public, the Customer shall sign relevant covenant separately with the Bank.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: justify; width: 96%">Application of Confirmation Definition and Interpretation</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 92%">Unless otherwise stipulated in the content of the Transaction Confirmation, the relevant definitions
and terms (including the subsequent supplements and amendments) of the ISDA 1998 FX and Currency Option Definitions (including
the subsequent amendments) published by the International Swaps and Derivatives Association, Inc., the Emerging Markets Traders
Association, and the Foreign Exchange Committee are applicable to Transaction Confirmation of foreign exchange transactions and
Currency Option transactions; the relevant definitions and terms (including the subsequent supplements and amendments) of the 2006
ISDA Definitions published by the International Swaps and Derivatives Association, Inc. are applicable to Transaction Confirmation
of other Financial Transactions.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 92%">In case of any inconsistency between the applicable definition file agreed in the preceding paragraph
and the Transaction Confirmation, the Transaction Confirmation shall prevail for relevant transactions.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>4.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Settlement and Delivery </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">When an individual transaction is completed,
the following transaction methods apply unless otherwise specified in the confirmation of individual transaction:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">&quot;Close Position&quot;: The Customer has the right to close out part or all of the original
transaction with a reversing transaction.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">&quot;Close Position Settlement&quot;: Profit and loss arising from closing a position are paid
by the losing party to the counter party. The Customer agrees that the profit and loss of the close position shall be calculated
by the Bank. If only a part of the transaction is closed out, the part of the transaction which is not closed out shall continue
to be valid and shall be binding on both the Customer and the Bank.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">&quot;Delivery&quot;: For payables of individual transaction contract, the Customer shall deliver
the funds that are immediately available and conform to the agreed Currency to the Bank on the appointed date. After delivery,
the Customer has the right to receive money earned in the transaction from the Bank.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: justify; width: 96%">&quot;Net Delivery&quot;: The payables of multiple transactions with the same payment Currency
and expires at the same Business Day shall be paid as an offset amount of money paid by the Customer to the Bank (expressed as
positive numbers) or paid by the Bank to the Customer (expressed as negative numbers).</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>5.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Payment and Delay of Premium </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">Payment: Unless otherwise agreed in writing agreement, the Buyer shall pay the Premium within two
Business Days after the parties agree to the transaction of the Option. The Premium shall not be refunded once it is paid.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Delay: If the Seller of the Option does not receive the Premium before the Premium payment date
(inclusive), he may choose to:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 92%">Accept delayed payment of the Premium.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 92%">Write a summon exhortation to the Buyer. If the Seller does not receive the Premium within two
Business Days after the summon exhortation letter arrives (or is deemed to be arrived) to the Buyer, the Option transaction will
be invalidated or deemed to be a breach of contract, and the Seller will have the right to deal with the Option directly.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">For all costs, interest, losses or damages of the Seller caused by the Buyer due to the delayed
payment of the Premium, the Buyer shall be liable for compensation.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>6.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Deposit </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">Deposit: <B>According to the transaction contract agreed between the Bank and the Customer, the
Customer must provide a deposit or other guaranty approved by the Bank in accordance with the Bank's request, pledge it to the
Bank as a guarantee, and the Customer shall also agree to provide what the Bank requested, whether it is inapplicable in original
agreement or it is not agreed but later considered as applicable. The type, amount, value of pledged object and the payment (delivery)
due date, etc. shall be specified and determined by the Bank. The Customer shall, in accordance with the Bank's reasonable requirements,
sign the relevant documents and take necessary measures to ensure the Bank's rights and interests of the deposit and other guaranty
relevant to this term. The Customer understands and agrees that the Bank has the right to notify the Customer at any time to change
the application of the deposit and its scope. </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Deposit type: The Customer shall divide the deposit respectively claimed by the Financial Transaction
individual limits approved by the Bank (including but not limited to hedging and non-hedging limits) and the transaction contract
agreed between the Bank and the Customer (including but not limited to hedging and non-hedging Financial Transactions) into &quot;initial
deposit&quot; and &quot;loss deposit&quot;. The Customer shall claim before the commencement of transaction or before the establishment
of transaction contract; the Customer&rsquo;s transaction contract shall be valuated on the valuation date set by other special
covenants in the following chapter two article three. If the valuated loss reaches the &quot;loss limits&quot; set by the covenants
according to the market price calculated by the Bank, the Customer shall claim the &quot;loss deposit&quot; for the portion that
exceeds the loss limits.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">Deposit delay: If the Bank does not receive a &quot;initial deposit&quot; that shall be provided
by the Customer according to individual limits before the commencement of transaction, the Bank has the right not to accept any
transaction instruction from the Customer; if the Bank does not receive the &quot;initial deposit&quot; claimed by individual transaction
contract as scheduled, the Bank has the right not to establish a transaction contract related to the &quot;initial deposit&quot;
with the Customer; <B>if the Bank does not receive the &quot;loss deposit&quot; as scheduled, the Bank has the right to settle
all positions of the Customer immediately (without issuing any additional notice), and the Customer shall also agree to be liable
for compensation of any costs and losses incurred by the processing of positions.</B> The above fees and losses shall be calculated
by the Bank. The Customer shall not raise objections.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>7.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Authorize Deductions </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For all kinds of payments (including but
not limited to delivery payments, fees, or losses, etc.) incurred by various transactions according to this Agreement and related
terms, the Customer agrees and authorizes the Bank to deduct payment from one of the Customer's deposit accounts in the Bank on
the payment date, and this Agreement is used as a proof of authorization. When different currencies conversion is involved, the
exchange rate is determined by the Bank based on the fair market price principle.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>8.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Events of Default </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(1)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Events of default: Any of the following events that occurs shall all be called &quot;Event of
Default&quot;:</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>A.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The Customer fails to pay any agreed payment as scheduled or provide the deposit (or other agreed
collaterals) as scheduled under this Agreement and/or individual transaction contracts, or fails to pay the payment agreed with
the Bank or its related enterprises as scheduled, while failing to correct and compensate after receiving the notice of default
issued by the Bank;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>B.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The Customer violates other obligations of this Agreement and/or individual transaction contracts<I>,</I>
and fails to correct or propose remedies approved by the Bank after receiving the notice of default issued by the Bank;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>C.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The statement of facts, declaration or commitment made, or the accounts or other materials submitted
by the Customer in relation to this Agreement and/or individual transaction contracts are in violation of good faith such as being
false, concealed or misleading, or any circumstance occurs where the Customer has violated this Agreement or the commitment;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>D.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The Customer has applied for settlement or adjudication of bankruptcy on its own or by another
person under the Bankruptcy law, or has applied for corporation reorganization, <I>dissolution</I>, liquidation, or deregistration
on its own or by another person under the corporation law, the Customer has been informed by the clearing house of transaction
refusal (regardless of whether the transaction relation has been resumed or not), or its stock is delisted/off the counter or a
relevant exchange has shut down its transactions and business or has required its debt settled;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>E.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The collaterals provided by the Customer for the Bank are impounded, or the business or assets
of the Customer are subject to enforcement, sequestration, provisional injunction, detention or takeover;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>F.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The Customer fails to pay the total amount as scheduled in the contracts established with others,
or, the monetary liability of the Customer (whether as the principal debtor or guarantor) is in a condition where accelerated maturity
of the terms has occurred or has been granted, and the accumulative amount has reached 3% of the equity of the Customer&rsquo;s
shareholders (the shareholders&rsquo; equity shall be based on the latest financial statement, and if the Customer is a listed
company/OTC company, the financial statement must be certified by a qualified accountant);</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>G.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Under objective circumstances where major adverse changes occur in management, operation, or
financial conditions of the Customer, the Bank believes that the Customer will not be able to perform the obligations of this Agreement
based on reasonable judgment;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>H.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>If the Customer is a trust company who, on behalf of its raised funds/private fund, jointly
signs this Agreement with the custodian bank<I>,</I> the trust company or the custodian bank violates the provisions of the fund
trust indenture, or an event of default or a termination event indicated in the Agreement occurs;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>I.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The Customer is notified as a warning account by the judicial authority or other competent authorities
or identified as a suspected illegal or unusual dealer by other governing authorities or the Bank, or the Customer (including persons
in charge, major shareholders, directors, persons with control and actual beneficiaries) is involved with targets of sanctions
identified or investigated by domestic and foreign governments or international anti-money laundering organizations, terrorists
or terrorist groups, or high-risk targets identified the Bank.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(2)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Consequences of Default: In case of any event of default, the Customer shall not be entitled
to carry on any further transaction with the Bank. The Bank shall have the rights (but with no obligation) to do any of the following
at any time:</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>A.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Issue a notice of premature termination of this Agreement and/or individual transaction contracts
to the Customer;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>B.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Cancel the transaction instructions of the Customer;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>C.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Specify the Termination Date of each relevant transaction (hereinafter referred to as &quot;Termination
Date&quot;), and calculate the premature termination amount payable on the Termination Date (hereinafter referred to as &quot;premature
termination amount&quot;). The premature termination amount equals to the sum of (1) (A) the Termination Currency Equivalent of
the settlement amount (whether positive or negative) determined by the Bank for each terminated transaction and (B) the Termination
Currency Equivalent of any other payments by the Customer to the Bank under this Agreement, minus (2) the Termination Currency
Equivalent of any other payments to the Customer by the Bank under this Agreement. If the premature termination amount is a positive
number, the Customer shall pay the Bank; if it is a negative number, the Bank shall pay the Customer;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>D.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Dispose the deposit or collaterals at will, and offset all payments that the Customer is willing
to pay the Bank with the proceeds;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>E.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Request the Customer for compensation stipulated in Item (4) of this article;</B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>F.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Include and treat the money as temporary bank collection according to Item (5) of this article.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>G.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Transfer the rights and interests of the Customer to a third party at will;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>H.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>The Customer is aware of that the Customer shall not claim rights only for the parts that are
in favor of the Customer and that it's not an obligation of the Bank to enforce the above rights in a time or manner favorable
to the Customer.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(3)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Deferred interests and liquidated damages: If the Customer fails to pay any payment agreed in
this Agreement or individual transaction contracts, the Customer must pay deferred interests for such payments at any time at the
request of the Bank, with the interest rate being an annual rate of 2% on the costs of the Bank's collection of such payments (determined
at the Bank's sole discretion), in a calculation period from the Maturity Date until the day the Customer pays off. And if the
Customer has any delay in payment, liquidated damages within less than six months of the overdue time shall be paid at 10% of the
above interest rate, liquidated damages that's delayed more than six months after the due time shall be paid at 20% of the above
interest rate.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(4)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Compensation: If the Customer fails to perform the obligations of this Agreement and/or any
transaction contracts or other related transactions due to events of default, the Customer shall be liable for the compensation
of any expenditures, damages, expenses and losses incurred by the Bank. In addition to the above provisions on liability for compensation,
the Customer shall also compensate for any of the following (including but not limited to): costs, expenses or other charges paid
or payable by the Bank as a result of the Customer's failure to receive or pay in accordance with the provisions of a transaction,
or the losses (including losses in benefits), fines or other expenses that may have occurred as a result of the Bank's use of its
own funds or funds obtained from a third party to pay or offset the payments due or to be due for this Agreement and/or individual
transaction contracts or any transactions.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(5)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Temporary bank collection: The Bank shall have the rights to include and treat the payables
to the Customer, deposits, and proceeds from the sale of the collaterals as temporary collection, and until the Customer's debt
to the Bank reaches its Maturity Date pursuant to individual transaction contracts, the Bank may reserve all rights to the Customer.
Such temporary receipts shall be offset at will when the above debt reaches its Maturity Date. If the Customer does not have any
debt to the Bank till the Maturity Date of such transaction contracts, the temporary receipts mentioned above shall be immediately
returned to the Customer without interests.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>9.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Termination Events </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(1)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Termination events: Any of the following events that occurs shall be seen as a &quot;termination
event&quot;:</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>A.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Unlawfulness: means the violation of any laws, regulations, or provisions or directives of the
governing authorities due to the changes in laws and decrees after the signing of this Agreement or the establishment of individual
transaction contracts.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>B.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Force majeure: means that either party of this Agreement cannot fulfill the obligations under
this Agreement or individual transaction contracts because of force majeure factors such as natural disasters, strikes, riots,
and wars.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>C.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Merger: means the fact that the Customer's ability to perform this Agreement or any transaction
is adversely affected by an acquisition or a merger, etc.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(2)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Consequences of termination events</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>A.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Unlawfulness: both parties may terminate related transactions immediately and the losses incurred
shall be borne by both themselves. Except as stipulated in the second paragraph below, the Customer must not whereby claim any
rights or make any claims to the Bank.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>B.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Force majeure: (i) The party that has encountered force majeure (i.e. the affected party) must
notify the other party of any event of force majeure. (ii) The obligations that the affected party must fulfill may be extended
until the end of the force majeure event. (iii) If a force majeure event lasts for more than seven Business Days, either party
has the right to terminate this Agreement or individual transactions being affected</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>C.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Merger: The Bank may immediately close all transactions and the losses incurred shall be borne
by both parties themselves. Except as stipulated in the second paragraph below, the Customer must not whereby claim any rights
or make any claims to the Bank.</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>When a relevant transaction is terminated
by either party in accordance with the above provisions<I>,</I> a Termination Date shall be specified and the amount of premature
termination amount payable on the Termination Date shall be calculated by a calculating agency. If the premature termination amount
is a positive number<I>,</I> the Customer shall pay the Bank; if it is a negative number, the Bank shall pay the Customer.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>10.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Right of set-off, Liens, Account Mortgage </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><FONT STYLE="font-size: 10pt"><B>(1)</B></FONT></TD><TD STYLE="text-align: justify; width: 96%"><FONT STYLE="font-size: 10pt"><B>Right of set-off: If the Customer fails to pay
                                                                                                     the payment as scheduled under this Agreement or other contracts between the two parties, the Customer agrees that the Bank
                                                                                                     shall be entitled (but not obligated) to the maximum extent permitted by law (and not limited to its existing rights under
                                                                                                     this Agreement and other contracts) to offset the payables of the Customer mentioned above with a. various deposits or other
                                                                                                     funds deposited by the Customer in the head office and branches of the Bank and b. Any payables or liabilities that the Bank
                                                                                                     shall pay to the Customer (regardless of whether both of which are incurred as a result of this Agreement or other contracts,
                                                                                                     and regardless of the Currency and the size or Maturity Date of the money). The Customer unconditionally and irrevocably
                                                                                                     agrees that the Bank may exercise the right of set-off in this article without a prior notice to the Customer, and that the
                                                                                                     right of set-off shall take effect as from the account deduction. However, provided that there is a prohibition against the
                                                                                                     set-off by law, or that the Customer has stated that those may not be offset, or that it is on the basis of </B></FONT><B>voluntary&nbsp;service <FONT STYLE="font-size: 10pt">or
                                                                                                     a payment made by a third party to the Customer through the Bank for transaction relations, the right of set-off shall not be
                                                                                                     exercised.</FONT></B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(2)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Liens: The Customer acknowledges that the Bank has a lien on the assets (including but not limited
to stocks, bonds, funds, etc.) of the Customer that are held by the Bank, so that they may be used for the purpose of offsetting
the debts owed by the Customer to the Bank.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(3)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Account mortgage: The Customer shall mortgages all rights of all the accounts that are opened
by the Bank to the Bank as a collateral of the Customer's debts to the Bank.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>11.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Costs and Expenses </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(1)</B></TD><TD STYLE="text-align: justify; width: 96%">Costs and Expenses: <B>The Customer agrees to pay off the costs and expenses incurred by the Bank
in executing or maintaining this Agreement and the individual transactions, including the costs for exercising the collaterals
and recovering the debts from the Customer.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Currency and Amount: <B>The Customer must pay in the Currency and amount agreed upon in this Agreement
or on individual transactions. No amount may be deducted in the name of costs, taxes or any reason. If the Customer pays in a Currency
other than the agreed Currency, the Bank may convert the Currency paid by the Customer into the agreed Currency with an exchange
rate that shall be determined by the Bank on the principle of fair market price. If there is any difference after the conversion,
the Customer must make up the difference. Otherwise the Bank may refuse to accept a payment made by the Customer in other currencies
depending on the circumstances, and the Customer may not object to this.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>12.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Premature Termination of the Individual Transaction Contracts </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Except as agreed by the Bank or otherwise
agreed in the individual transaction contracts, the individual transaction contracts made by the Customer pursuant to this Agreement
shall not be terminated in advance before the agreed Maturity Date. If the Bank agrees to terminate a contract in advance, the
costs, losses or service charges incurred by the Bank shall be borne by the Customer, and the costs or losses shall include the
costs incurred by the Bank in writing off the hedge part of the commodity. The Customer may get a return rate lower than the preset
rate of the commodity, or even a negative return rate.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>13.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Statement of Facts, Declaration and Commitment of the Customer </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">The Customer must legally signed this Agreement and the individual transaction contracts and other
related documents;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">The Customer has taken necessary actions and has the proper permission to sign and perform this
Agreement and the individual transaction contracts;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">The Customer has the ability to assess and analyze by himself/herself (or through independent professional
advices), and to understand and accept the terms, conditions and risks of this Agreement and the individual transaction contracts;
and the Customer also has the ability to bear the financial risks and other risks arising from the signing of this Agreement and
the individual transaction contracts;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: justify; width: 96%">This Agreement and the individual transaction contracts shall form a lawful and effective debt
of the Customer, and the terms of these contracts shall all be effective in execution;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(5)</TD><TD STYLE="text-align: justify; width: 96%">The performance and completion of this Agreement and the individual transaction contracts by the
Customer does not violate any law or regulations or form a default event for other contracts;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(6)</TD><TD STYLE="text-align: justify; width: 96%">Each transaction made by the Customer must meet the requirements of the competent authorities.
If it is a publicly-established company in the Republic of China, the Customer must provide with the &quot;Asset Acquisition or
Disposal Procedures&quot; or &quot;Financial Derivative Transaction Procedures&quot; or other similar regulations passed by the
Board of Directors and Shareholder Meeting (hereinafter referred to as &quot;Procedures&quot;), and declare that the procedures
are true and correct and continues to be valid, and that if the procedures are revised later, the Customer shall immediately notify
the Bank and provide the revised procedures to the Bank within 3 days after the notification. Before receiving another notice of
the revised procedures, the Bank may believe that the original procedures of the Customer are of the latest version, and the contents
shall be indeed true and correct and shall continue to be valid.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(7)</TD><TD STYLE="text-align: justify; width: 96%">The transaction and confirmation personnel indicated in the &quot;Power of Attorney for Authorized
Transaction Personnel and Authorized Confirmation Personnel (confirmation seals and signatures)&quot; (Or similar documents) (hereinafter
referred to as &quot;Power of Attorney&quot;) by the Customer to the Bank, shall be authorized legally to act on behalf of the
Customer in the scope of the authorization to conduct transactions or confirmations associated with the derivatives, and such transaction
personnel must also be accordance with the authorized transaction personnel or hierarchy appointed by the Customer's procedures
and internal regulations. Provided that the procedures or other internal regulations otherwise require that such transaction personnel
must obtain an internal approval or authorization from the Customer, in addition to the power of attorney that may serve as a general
approval or authorization, the transaction personnel, prior to the transaction, have also proven orally, in writing or other ways,
that they have obtained the internal approval or authorization required by the procedures prior to the transaction, the Bank may
also rely on those such transaction personnel who have obtained an internal approval or authorization from the Customer. In addition,
the Customer does not have any other authorization restrictions on the transaction personnel that are indicated in the power of
attorney provided to the Bank, except for that the Customer has specified a restriction on the authorized transaction personnel
in the procedures or in the power of attorney.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(8)</TD><TD STYLE="text-align: justify; width: 96%">The Customer shall faithfully follow all rules of the procedures, articles of incorporation, or
other internal regulations (including but not limited to transaction types, limits, etc.), and shall conduct various financial
derivatives with the Bank in accordance with these rules. Even if the Customer violates these rules, the validity of the transaction
between the Customer and the Bank shall not be affected. The Customer shall also control the amount of the individual or all transactions
and the maximum loss limit, and the Bank has no obligation of notifying the Customer about this.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(9)</TD><TD STYLE="text-align: justify; width: 96%">All information submitted by the Customer to the Bank must be true, correct, valid and complete;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(10)</TD><TD STYLE="text-align: justify; width: 96%">For individual transactions, the Bank is not a trustee or financial advisor (or other similar legal
relationship) of the Customer;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(11)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Before signing this Agreement, the Customer confirms that he/she has fully understood and accepted
the financial derivatives description and risk disclosure statement and notice provided by the Bank. And the Customer promises
to read the contents of the risk disclosure terms indicated in the product descriptions before conducting any transaction or instruction;</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(12)</TD><TD STYLE="text-align: justify; width: 96%">Other declarations: the Customer makes the following declarations to the Bank when entering into
this Agreement and each time when making a transaction;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 92%"><B>No trust relationship.</B> Concerning the negotiation, signing and confirmation of this Agreement
and each transaction; (1) the Bank does not (directly or indirectly) provide any guarantees, promises or declarations in terms
of the expected successes, profitability, profits, performances, achievements, benefits, results, or interests (economic interests,
legal interests, regulatory interests, tax interests, financial interests, accounting interests, or other interests) of this Agreement
and any transactions; (2) the Customer can understand and have assessed (solely or by consulting an independent professional adviser)
the terms and conditions as well as economic risks or other kinds of risks of this Agreement, and will assess the terms and conditions
as well as economic risks or other kinds of risks of each individual transaction, and is able and willing to bear these risks;
(3) the Customer has made or will make an investment, hedge, and transaction decision based on its sole judgment, independent adviser&rsquo;s
suggestions, and information that he deems necessary or appropriate (including decisions about suitability and appropriateness
of a transaction based on the Customer&rsquo;s conditions), rather than any suggestions, opinions, recommendations, ideas or instructions
provided by the Bank.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 92%"><B>Suitability.</B> The Customer is solely responsible for (i) assessing and understanding the
terms and conditions as well as economic risks or other kinds of risks of each transaction and this Agreement; (ii) determining
(X)the suitability and appropriateness of the transaction and this Agreement based on the Customer&rsquo;s conditions; (y) to a
necessary or appropriate extent, consulting its legal adviser, tax adviser, business consultant, investment advisor, financial
or accounting advisor, or get other information and analysis, and (z) deciding whether to accept the interest exchange rate, price,
quantity and other conditions and indexes quotations (if these quotations exist) provided by the Bank for each transaction based
on considerations about relevant factors (including interest exchange rate, price, quantity and other conditions available from
related markets).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">C.</TD><TD STYLE="text-align: justify; width: 92%"><B>Purposes of transactions.</B> This Agreement is signed and each individual transaction is and
will be executed (as the case may be) only for the purposes of managing borrowings or investments, hedging for underlying assets
or liabilities for the Customer, or other purposes related to the Customer&rsquo;s businesses.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">D.</TD><TD STYLE="text-align: justify; width: 92%"><B>Corporate principles.</B> The Customer declares and guarantees that there are no existing or
to-be-adopted corporate principles, decisions or internal rules that will affect the validity and enforceability of this Agreement
and/or any existing or future transactions, and obligations caused by signing this Agreement and execution of the master contract
or any transactions will not contradict or breach any existing corporate principles, decisions or internal rules. This Agreement
and all related transactions shall comply with any applicable laws, rules and regulations and any relevant policies of governing
authorities that may affect the Customer&rsquo;s internal policies and procedures. The Customer also agrees to conduct Financial
Transactions in connection with this Agreement with the Bank according to applicable laws, rules and regulations, and declare or
disclose the transactions according to applicable laws, rules and regulations and generally accepted accounting principles after
completion of the transactions.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>14.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Calculation Entity </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This Agreement and all individual transaction
contracts consider the Bank as the Calculation Entity. The Calculation Entity shall perform duties in good faith and according
to reasonable business practices, and it is not deemed as an agent or counselor for anyone during the performance of the duties
under this Agreement and individual transaction contracts. If the Calculation Entity&rsquo;s decisions or determinations have no
deliberate or gross faults, they shall have absolute binding force on the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>15.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Telephone recording </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer agrees and acknowledges that
all telephone conversations between the Customer and the Bank&rsquo;s personnel that are related to the Customer&rsquo;s individual
transactions as well as any verbal notices will be electronically recorded by the central recording system (whether there is an
automated verbal warning device or not). The Customer agrees that such records are used as either party&rsquo;s evidences for disputes
or litigations between the Customer and the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>16.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Notices </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">According to Chapter I Article 8, Clause (1) under this Agreement, notices should be delivered
verbally or in writing. If a notice is delivered verbally, a written version of it may also be delivered later, however, the validity
of the verbal notice will not be affected without such a written version.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Unless otherwise agreed, any notices delivered in accordance with this Agreement and individual
transaction contracts should be in written form. And the notice should be sent to the other party in the following manners: notices
delivered by registered mail are deemed to be received two days after mailing with postage paid; notices delivered personally by
a delegate are deemed to be received at the time the delegate arrives and delivers the notice; notices delivered by fax are deemed
to be received after the notice is sent out and a confirmation is received from the recipient or a telephone confirmation is made;
notices delivered by electronic messages or emails are deemed to be received on the same day the message or email is received.
The address or contact information of the Customer and the Bank are subject to the address, fax number and email box listed in
this Agreement or finally informed according to this Agreement and its schedules.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">If the address or contact information of the Customer is changed, the Customer shall inform the
Bank of such changes in writing or by means specified later in this clause. If the Customer failed to inform the Bank in a timely
manner, the Bank may notify the Customer of relevant documents (including but not limited to the Confirmation Letter) using the
address or contact information as described in this Agreement or the latest known address or contact information. And the notice
is deemed to be received as agreed in this article. Unless otherwise agreed according to market practices, one of Authorized Confirmation
Personnel specified by the Customer shall notify the Bank of changes to the Confirmation Letter as well as the entity to receive,
delivery address of or related information about the market price assessment in writing.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: justify; width: 96%">The current address of the Bank for receiving notices is 13th Floor, No. 118, 4 sect of Ren Ai
Road, Taipei (Taishin International Bank Financial Transaction department). If the address is changed, the Customer will be notified
of this in writing.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>17.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Assignment </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The rights and obligations arising from
this Agreement and individual transaction contracts shall not be assigned to others by the Customer without written consent of
the Bank. If the Bank has to make such assignments of interest because of business combination or other similar activities or events,
the Bank should notify the Customer of such assignments in writing, and the notice shall be binding on the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>18.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Non-Waiver of Rights </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">No delay or omission (including delay,
not exercising any rights, fault tolerance or other reasons) by the Bank or any of its personnel, assignees or representatives
in exercising any rights under this Agreement shall operate as a waiver of these rights by the Bank or exempt the Customer from
related obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>19.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Termination </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(1)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>If there is an &ldquo;Event of Default&rdquo; as described in Chapter 1 Article 8 or &ldquo;Termination
Event&rdquo; as described in Article 9 under this Agreement, this Agreement may be terminated according to these provisions. </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(2)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Unless otherwise agreed in this Agreement, either party may terminate this Agreement immediately
after notifying the other party in writing at any time.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(3)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>The termination of this Agreement (for any reason or in any way) shall not affect the validity
of individual transactions executed by either party before the termination of this Agreement, and shall not exempt any party from
its obligations that are not fulfilled under this Agreement and in connection with individual transactions, and shall not affect
the validity of the guarantees and commitments provided by the Customer. </B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>20.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Information of the Customer </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(1)</B></TD><TD STYLE="text-align: left; width: 96%"><B>The Customer hereby agrees that, for the purpose specified within the operations scope of the business
approved by the competent authorities, the Bank (including the head office and its branches) has the right to collect, process,
use and/or internationally transmit the Customer's personal information, including but not limited to the basic information (including
name, date of birth, ID card number, telephone, residential address, and others), billing information, credit information, investment
information, insurance information, and etc., and/or use such information for credit checking, or provide it to the outsourcing
company (organization) appointed by the Bank to undertake the related work on its behalf, or the third party (including but not
limited to the organization that is entrusted to do the marketing research) that has commission of authority, cooperation or other
relationships with the Bank, or the related financial institutions that have the business connections with the Bank, Joint Credit
Information Center, and Financial Information Service Co., Ltd., or the financial administrative authorities and judiciary authorities
that have jurisdiction over the Bank, or other agencies, institutions or individuals that such information shall be disclosed to
in accordance with the relevant provisions of law, or the foreign government agencies that have signed a treaty or an agreement
with the government of the Republic of China, and other institutions designated by the competent authorities, to the extent permitted
by applicable law. The name of the outsourcing company (organization) or the third party that has commission of authority, cooperation
or other relationships with the Bank will be disclosed regularly on the official website of the Bank for consulting. The personal
information, in principle, may only be collected by the Bank during the preceding stage of the contract negotiation for the various
financial product services between the Customer and the Bank, during the course of the contract, and within the agreed period by
the Customer; and such information will be processed and used in form of soft copy or paper copy behind the border of the Republic
of China; only if the Bank need to provide the overseas financial services for the Customer in the future, such information may
be processed and used overseas.</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left"><B>The consulting request from the
Customer for looking up, making a copy of, making a supplement to or correcting their personal information, or the request for
having the information collection, process or usage stopped or deleted can be handled by the Bank's customer service desk, individual
branches and original sales unit to which the Customer belongs or the Customer&rsquo;s personal financial specialist. The Customer
also acknowledges that when the Bank need to collect, process or use their personal information for the above reasons, the Customer
can be free to choose whether to provide their personal information. However, the Bank may not be able to provide the full financial
services as required for execution of the relevant business if the Customer chooses not to provide such information or if the information
provided is incomplete.</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(2)</B></TD><TD STYLE="text-align: left; width: 96%"><B>The Customer agrees and declares that the Customer shall inform the person authorized based on
this Agreement who has the right to make the transactions and such person who has the right to confirm the transactions, as well
as the person designated to receive the documents or notifications under this Agreement (hereinafter collectively referred to as
&quot;the authorized/designated person&quot;) that the Bank may collect, process, use and/or internationally transmit the personal
information of the authorized/designated person for the transactions made under this Agreement. The Customer shall be responsible
for any request made to the Bank by the authorized/designated person in terms of the collection, process, usage and/or international
transmission of their personal information.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(3)</B></TD><TD STYLE="text-align: left; width: 96%"><B>The Customer acknowledges that the Bank and other subsidiaries of the financial holding co., ltd.
to which the Bank belongs may file, use, disclose, transfer or interactively use the Customer information for cross-selling according
to the regulations such as [Financial Holding Company Act], [Financial Holding Company and Subsidiaries of Financial Holding Company
Cross-selling Regulations], and [Agreement on Interactive Usage of the Customer Information] (if any) signed separately by the
Customer. The Customer shall inform the Bank by visiting or via written notification at any time to request to change the usage
scope of their information or stop the filing and usage of their information for cross-selling, and the Bank will remove the Customer
from the cross-selling list immediately after the acceptance. For details of the confidentiality measures for the customer information,
please refer to [The Confidentiality Measures of Taishin Financial Holdings and Its Various Subsidiaries for Customer] and the
latest [The Confidentiality Measures of Taishin Financial Holdings and Its Various Subsidiaries for Customer Information] disclosed
on the website of Taishin Financial Holdings and its various subsidiaries.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(4)</B></TD><TD STYLE="text-align: left; width: 96%"><B>The Customer agrees that for the purpose of the creditor's right transfer, the Bank may provide
the relevant information of the Customer to the creditor's right transferee and the person who is in charge of the price identification
check for the creditor's right for filing and using, only if the Bank shall urge these persons to carry out the duty of confidentiality
according to the relevant regulations.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(5)</B></TD><TD STYLE="text-align: left; width: 96%"><B>The Foreign Account Tax Compliance Act</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: left; width: 92%">According to the Foreign Account Tax Compliance Act, the Bank must collect, process, use and/or internationally
transmit the personal information of the Customer, including but not limited to name, date of birth, nationality, ID card number,
passport number, the tax status and taxpayer registration number in U.S., contact information, financial situation, social activities
and so on. The Customer hereby is informed and agrees to be cooperative for that the Bank shall follow the necessary measures,
including the nationality and tax status information investigation against the Customer and the Beneficiary, as required by the
domestic and foreign tax acts (including but not limited to the Foreign Account Tax Compliance Act and relevant laws of the Republic
of China), treaties or international agreements, to disclose the tax status information and account information to the domestic
and foreign government agencies (including the government of the Republic of China and Federal government of the United States)
and the person who handles the tax withholding in accordance with the domestic and foreign tax acts. And the Bank shall handle
the tax settlement for the Customer or terminate the transactions between the Customer and the Bank when the investigation result
shows that the relationship between the Customer and the Bank is in accordance with the specific conditions specified in the domestic
and foreign tax acts, treaties or international agreements (including but not limited to the situations, such as the Customer or
the Beneficiary failed to provide the information or forms required by the aforementioned investigations honestly, or the Customer
or the Beneficiary did not agree the Bank to make the aforementioned disclosure to the government of the Republic of China and
Federal government of the United States).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: left; width: 92%">The descriptions based on the Foreign Account Tax Compliance Act for the relevant nouns mentioned
in the preceding articles are as follows. In the event that there is any inconsistency between the descriptions and the contents
in the Foreign Account Tax Compliance Act, the authoritative interpretations in the Foreign Account Tax Compliance Act shall prevail:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">i.</TD><TD STYLE="text-align: left; width: 88%">The Foreign Account Tax Compliance Act: Refers to the U.S Foreign Account Tax Compliance Act, also
known as 26 USC&sect;1471 - &sect;1474, or Internal Revenue Code Chapter 4, which includes the relevant administrative orders (including
but not limited to 26 CFR Parts 1 and 301), instructions, tax forms and others issued by Internal Revenue Service.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">ii.</TD><TD STYLE="text-align: left; width: 88%">Treaties or International Agreements: Including but not limited to the intergovernmental agreement
related to the execution of the Foreign Account Tax Compliance Act signed between the government of the Republic of China and the
government of the United States or between the respective representatives or representative agencies of both governments.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">iii.</TD><TD STYLE="text-align: left; width: 88%">Beneficiary: Including but not limited to the account holder that the Customer has the funds automatically
or regularly transferred to; if the Customer is a legal entity of a non-natural person, the beneficiary is the person who has direct
or indirect equity interest, partnership interest, investment interest, and trust interest against the Customer, and other persons
who do not hold the account directly but actually have the account-related interest based on the Foreign Account Tax Compliance
Act.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">iv.</TD><TD STYLE="text-align: left; width: 88%">Nationality and Tax Status Information: Including but not limited to the nationality, dual nationality
or permanent residence identification: Taxpayer Identification Number, Global Intermediary Identification Number; the official
documents or other alternative documents issued by the U.S. Federal Government Internal Revenue Service, such as the United States
tax Form W-8 BEN, Form W-8BEN-E, Form W-9, etc., and other account-related information that must be taken for investigation or
obtained by the financial institutions in accordance with the Foreign Account Tax Compliance Act.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(6)</TD><TD STYLE="text-align: left; width: 96%"><B>U.S. Person Identification</B>: The Customer hereby declares that if the Customer is an U.S. Person
or non-U.S. Person but an Affiliate Conduit or non-U.S. Person but an person under the U.S. Person Guarantee defined in the [Interpretive
Guidance and Policy Statement Regarding Compliance with Certain Swap Regulations] issued by the Commodity Futures Trading Commission
(CFTC) on July 26th, 2013, when engaging in the Financial Transactions with the Bank, the Customer shall standardize the central
settlement, central execution of the transactions, immediate transaction reporting, huge transactions reporting, the reporting
to the swap transaction information store institutions and the transaction information maintenance in accordance with the Commodity
Exchange Act, which is specified in the Chapter seven of the Dodd-Frank Wall Street Reform and Consumer Protection Act.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(7)</B></TD><TD STYLE="text-align: left; width: 96%"><B>Money Laundering Prevention: The Customer agrees that the Bank (including the head office and its
branches) may collect, process, use or internationally transmit the personal information of the Customer and the information related
to all their business transactions for money laundering prevention, combating the terrorism funding activities, crime prevention,
anti-terrorism, as well as within the specific purpose scopes set out by the related anti-terrorism legislation (including but
not limited to the situations such as the Customer or their Financial Transactions or payments are investigated or their transaction
payments/documents are seized by a foreign bank in accordance with the related money-laundering prevention or combating the terrorism
funding activities, crime prevention and anti-terrorism legislation in its own country).If the information provided by the Customer
includes the personal information of a third party (including but not limited to the company executives or ultimate beneficiaries),
the Customer shall inform the third party and have them agree to the foregoing.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>21.</B></TD><TD STYLE="text-align: left; width: 96%"><B>Outsourcing Terms </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>The Customer agrees that the Bank's accounts
collection and payment activities, computer processing activities or other accompanying activities related to this Agreement (including
but not limited to data input, processing and input of the information systems, development, monitoring and maintenance of the
information systems, and the logistics work for processing the business-related information, customer information inputting, form
printing, packaging, delivery and mailing, collection of creditor's rights receivable, internal auditing, data storage for forms
and vouchers, electronic channel service and other outsourced businesses approved by the competent authority, etc.) can be handled
by a appropriate third party, which is entrusted by the Bank when the Bank deems it necessary, in accordance with the related laws.
The name of that outsourcing company (organization) that has commission of authority, cooperation or other relationships with the
Bank will be disclosed by the Bank on its website in accordance with related laws.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>22.</B></TD><TD STYLE="text-align: left; width: 96%"><B>Entire Agreement </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: left; width: 96%">Unless otherwise agreed by both parties, all provisions of this Agreement and its annexes shall be
the entire agreement between both parties in terms of this Agreement, and shall supersede all the written agreements (including
the principal contract for the Structured Product related transactions, general agreement for Forward exchange transactions, etc.)
or verbal agreements and arrangements previously made between the Customer and the Bank, and except for the terms stated in this
Agreement, both parties do not agree to other terms or obligations.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: left; width: 96%">This Agreement shall remain in force and effect until it is terminated by either party in accordance
with the provisions of this Agreement, and the obligations and responsibilities of both parties subject to this Agreement will
continue to be valid after the individual transaction contracts termination.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: left; width: 96%">If the Customer has other general agreements (contracts) on Financial Transactions with the Bank's
overseas branches, the Financial Transactions between the Customer and these overseas branches will be conducted under such agreements
(contracts).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: left; width: 96%">If the Customer signs the ISDA contract (including the ISDA Master Agreement and its Schedule) with
the Bank after signing this Agreement, this Agreement will not be valid from the effective date of the ISDA contract. However,
if the Customer does not check the box [Chapter II Article 1 regarding special provisions of Currency Option transaction does not
apply] and/or [Chapter II Article 2 regarding special provisions of Structured Product transaction does not apply] in the Chapter
II Article 3 &quot;Other special provisions&quot; of this Agreement, the Chapter II Article 1 regarding special provisions of Currency
Option transaction and/or Chapter II Article 2 regarding special provisions of Structured Product transaction shall continue to
be valid, and form part of the ISDA contract (within the scopes to which the unchecked articles does not apply).</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>23.</B></TD><TD STYLE="text-align: left; width: 96%"><B>Amendment of Agreement </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: left">The Bank may make amendments to
the contents of this Agreement at any time and notify the Customer in writing. If the Customer fails to raise an objection to the
Bank within seven Business Days after receiving the notice of amendments, the Customer will be deemed to have accepted the amendments;
if the Customer raises an objection to the Bank after the above-mentioned seven Business Days, the objection shall be deemed invalid,
and the Bank has the right not to accept it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: left">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>24.</B></TD><TD STYLE="text-align: left; width: 96%"><B>Applicable Law and Competent Court </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: left; width: 96%">The rights and obligations under this Agreement and all transactions directly or indirectly made for
this Agreement or based on this Agreement are subject to the laws and orders of the Republic of China.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: left; width: 96%">The Customer agrees to irrevocably accept the Taiwan Taipei District Court as the competent court
of first instance between the Customer and the Bank, and agrees to waive the right to raise an objection for it for the reasons
such as the inconvenience of the place. If the Customer is a company established outside Taiwan or does not have a residential
address in Taiwan, they shall be agreed that the Bank and the competent court may send the relevant legal documents (including
any pleadings, notifications, notice of entry of judgment or other notices) to the address of the Customer&rsquo;s process agent
in Taiwan by mail. The name and residential address of the process agent are detailed in &quot;Other special provisions&quot; in
Chapter II Article 3.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>25.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Limitation of Liability </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">The Customer agrees that the Bank shall not be liable for any loss caused by the exercise of the
Bank's rights under this Agreement, or caused by the Bank's act or omission in good faith in accordance with this Agreement or
individual transaction contracts.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">The Customer agrees that transactions are made at its sole discretion based on this Agreement and
individual transaction contracts, and are not dependent on any promises, commitments, views or opinions from the Bank or the Bank's
staff, agents or representatives. The Customer shall remain solely responsible for all these transactions.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">When the Bank conducts any transaction with a branch outside of the Republic of China (hereinafter
referred to as &quot;Overseas Branch&quot;), the Bank's performance shall be subject to the laws, orders, rules and similar government
actions in the jurisdiction where the overseas branch is located.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>26.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Taxes </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taxes resulting from this Agreement or
individual transaction contracts, unless otherwise stipulated in this Agreement or individual transaction contracts (including
confirmation), shall be undertaken respectively by both parties in accordance with relevant laws; and unless otherwise agreed in
written consent by the Bank, the Customer shall not, for any reason, require the Bank to undertake the taxes that the Customer
must bear.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>27.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Headline </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The headline used in this Agreement is
for convenience of reference and shall not affect the exact content and its interpretation in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>28.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>The Number of Contracts </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This Agreement is in duplicate. The original
one is kept by the Bank, while the copy (including the &quot;Taishin Financial Holdings and Its Various Subsidiaries Confidentiality
Measures for Customer Information&quot;) is kept by the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>29.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Dispute Settlement </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Customer can contact the original
branch, original sales unit that undertake the transactions or call customer complaint processing line: (02)2700-3166 (business
hours: 09:00 a.m. - 17:30 p.m. from Monday to Friday). </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Chapter II Special Agreed Terms</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>1.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Currency Option Agreement </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 92%">Exercise of Option</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 88%">Notice for Exercise</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 63.8pt"></TD><TD STYLE="width: 14.2pt">i.</TD><TD STYLE="text-align: justify">Notice for the exercise of the American Option, unless otherwise agreed in written agreement, shall
be made by the Buyer during the business hours on any Business Day, from the date of the Option transaction agreed by both parties
to the due date that is deemed as the day when the Seller receives the notice, and the Option agreement shall be fulfilled on the
Settlement Day.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 63.8pt"></TD><TD STYLE="width: 14.2pt">ii.</TD><TD STYLE="text-align: justify">Notice for the exercise of the European Option, unless otherwise agreed in written agreement, only
shall be made by the Buyer on the Due Day, and the European Option agreement shall be exercised during the agreed time period on
the agreed Due Day and shall be fulfilled on the Settlement Day.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 63.8pt"></TD><TD STYLE="width: 14.2pt">iii.</TD><TD STYLE="text-align: justify">Notice for the exercise of the Bermudian Option, unless otherwise agreed in written agreement,
shall be made by the Buyer during the business hours on any Due Day for exercise agreed by both parties, and the Option agreement
shall be fulfilled on the Settlement Day.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 63.8pt"></TD><TD STYLE="width: 14.2pt">iv.</TD><TD STYLE="text-align: justify">The notice for the Option exercise: Oral or written notice; if the notice takes the oral form,
a written notice needs to be supplemented after two Business Days, and if a written notice is not supplemented later, the validity
of the oral notice will not be affected.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 88%">Automatic Avoidance</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 75pt; text-align: justify">Unless eligible for the automatic
exercise of the Option, if the Seller does not receive the Buyer's notice for the exercise of the Option as of the due date, the
Option shall not be exercised and shall automatically become invalid.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">C.</TD><TD STYLE="text-align: justify; width: 88%">Automatic Exercise</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 75pt; text-align: justify">If the Option has an intrinsic
value on the Due Day and the Seller has not received the notice for the exercise, the Option shall be deemed to have been exercised
before the due date, but this restriction shall not apply in the event that the confirmation stipulates otherwise that [automatic
exercise is not applicable] or the Buyer has the contrary instructions in advance.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Settlement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 88%">When the Buyer exercises the Call Option, the Seller shall sell the specified Currency amount of
the Option to the Buyer on the Settlement Day while the Buyer shall pay the Seller the other Currency amount of the Option. When
the Buyer exercises the Put Option, the Seller shall pay the Buyer the other Currency amount of the Option on the Settlement Day
while the Buyer shall sell the specified Currency amount of the Option to the Seller.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 88%">When the Buyer exercises the Option, the actual settlement (i.e. total settlement) shall be made
in principle. However, the settlement for the Currency Option of the NTD rate against the U. S. dollar shall adopt a non-actual
settlement (i.e. net settlement) method.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">C.</TD><TD STYLE="text-align: justify; width: 88%">Regardless of whether the actual settlement is raised by the Option Buyer or Seller, the payment
instruction shall be delivered to the other party on the Due Day. The payment instruction shall be delivered in writing, and the
payment shall be settled on the Settlement Day.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">D.</TD><TD STYLE="text-align: justify; width: 88%"><B>When the settlement for the Currency Option of the NTD rate against the U. S. dollar are made
on the Due Day, the two parties will take the NTD rate against the U. S. dollar at 11:00 a.m. on the Due Day as the fixing rate</B>.
If the net settlement is adopted, only the difference will be settled on the Settlement Day.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">E.</TD><TD STYLE="text-align: justify; width: 88%"><B>When the settlement for the Currency Option of the non-NTD rate against the U. S. dollar are
made on the Due Day, the exercise time is subject to 2:00 p.m.</B> of Taipei time, and the Customer can square the Spot foreign
exchange transactions bought/sold by the Bank for the settlement position before 3:30 p.m. of Taipei time on the Due Day, and make
the actual settlement on the Settlement Day. Since the Spot transaction and the Option agreement have the same Settlement Day,
the difference can also be used as the net settlement. <B>If the Customer has informed the Bank to make the net settlement but
has not squared the Spot foreign exchange bought/sold by the Bank for the settlement position before the above-mentioned time,
the Bank has the right to calculate the amount of the difference according to the market price at 3:30 p.m. of Taipei time on the
Due Day.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">Others</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 88%">If the Customer is required to provide the deposits to the Bank in accordance with the individual
transaction contract, the Bank will not be required to pay the Option Premium to the Customer until all the performance guarantees
related to the Customer's Put Option are received.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 8%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 88%">In the event of any breach of contract by the Customer, the Bank may, in addition to the relevant
provisions of Chapter I of this Agreement, decide to cease its obligation under the unexpired or expired but unsettled Option payment
in accordance with its own choice without paying any liquidated damages.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>2.</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Structured Product transaction</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(1)</TD><TD STYLE="text-align: justify; width: 96%">Definition</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">A.</TD><TD STYLE="text-align: justify">Structured Product: Refers to the Structured Product
transaction that combines fixed income products with financial derivatives (such as Options). It may link a large number of subjects,
including transactional contracts derived from interest rate, exchange rate, stock price, index, commodity, credit event or other
interests and their combinations. Structured Product is not a general traditional savings account, but an investment. Its profit
and loss are influenced by many factors, such as the price of the target asset, the volatility of the index or the performance,
or the occurrence of the agreed credit event. In the situation where certain conditions are met, the profit of Structured Product
may be higher than that of the common simple deposit rate; otherwise, it may reduce and erode the investment principal. The Bank
does not promise to return all investment principal when the agreement is terminated before maturity, and capital preservation
at maturity is depending on the condition set up. Each transaction that agreed by the Customer according to this Agreement takes
the Transaction Confirmation as the voucher. Structured Product is not protected by deposit insurance.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">B.</TD><TD STYLE="text-align: justify"> Investment Principal: Refers to the investment
amount of individual transaction contracts signed by the Customer.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">C.</TD><TD STYLE="text-align: justify">Profit: Refers to the profit gained from individual transactions
agreed by the Customer. Unless otherwise agreed in individual product specification/product development specification/Transaction
Confirmation, the Bank does not guarantee the return rate at maturity; the profit is calculated in accordance with the profit
calculation method at maturity stated in individual product specification/product development specification/Transaction Confirmation.</TD>
</TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">D.</TD><TD STYLE="text-align: justify">Linked subjects: Refers to linked subjects indicated in
individual product specification/product development specification/Transaction Confirmation. With respect to exchange rate linked
Structured Product transaction, the Currency of investment principal is regarded as base Currency and the other Currency of linked
subjects as counter Currency.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">E.</TD><TD STYLE="text-align: justify">Collection period: Refers to the collection period required
to reach predetermined collection amount for specified products. The Bank is entitled to change the collection period.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">F.</TD><TD STYLE="text-align: justify">Predetermined collection amount: Refers to the minimum
total amount that the Bank is required to collect at the end of the collection period. The Bank is entitled to change the predetermined
collection amount.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">G.</TD><TD STYLE="text-align: justify">Base period: Refers to the base or the number of days in
a year (such as, 365 days for pounds, 360 days for US dollars) that Currency for investment uses to calculate interest and profit
based on international conventions</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">H.</TD><TD STYLE="text-align: justify">Trade date, effective date, profit distribution date, predetermined
Maturity Date: Refers to the trade date, effective date, profit distribution date, predetermined Maturity Date indicated in individual
product specification/product development specification/Transaction Confirmation.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(2)</TD><TD STYLE="text-align: justify; width: 96%">Payment and authorized deduction of investment amount</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify">Customer, who intends to be
a trader for Structured Products, shall open a deposit account in the Bank (if not opened already, and if the Customer is a member
of fund subordinated to securities investment trust limited liability company, he/she shall instruct and entrust the account to
the custodial bank for fund contract). The Customer shall deposit full amount in investment Currency as indicated for transactions
agreed at the same time. Aforementioned procedures for account opening and agreed issues shall be conducted according to the covenant
related to deposit business signed by the Customer as well as relevant regulations of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify">The Customer shall pay the same
amount of cash as investment principal that can be put to use at any time to the Bank at the effective date of individual transaction
contracts (if the Customer is a member of fund subordinated to securities investment trust limited liability company, he/she shall
instruct the custodial bank for fund to carry out the procedure. The Customer hereby authorizes the Bank to directly withdraw the
same amount of money as that of instructed transactions by the Customer from any deposit account as Structured Product money that
the Customer agrees to or instructs to agree to when the predetermined amount is successfully collected for &quot;Structured Product&quot;
participated by the Customer (collection type) or at the confirmed effective date of instructed &quot;Structured Product&quot;
(custom made type), and then deposit it to Structured Product account of the Customer according to Chapter I Article 7 of this
Agreement (the account number shall be provided by the Bank and written on the Transaction Confirmation).The Customer agrees to
cooperate on deduction business and deposits full amount of money for instructed transactions in the deposit Currency in any deposit
account on the Business Day before the effective date. In the event of the Customer's inability to deposit or make up for the required
payment (i.e. investment principal) on the Business Day before the effective date of individual transaction contracts leading to
the Bank's inability to deduct money according to the preceding regulation, and in the event of inability to pay the same amount
of cash as investment principal that can be put to use at any time in other ways, the Bank is entitled not to complete transactions
based on conditions of the Structured Product. In addition, the Customer shall compensate the Bank for damages, losses and costs
(including costs used to write off hedge part before the effective date by the Bank according to transaction instructions of the
Customer) arisen from aforementioned problem.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(3)</TD><TD STYLE="text-align: justify; width: 96%">Special terms and conditions during collection period</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify">In the event of collection period
for Structured Product transactions between the Bank and the Customer, the Bank does not guarantee that predetermined collection
amount will be reached for the product that the Customer intends to make during collection period. If actually collected amount
does not reach the predetermined collection amount for the product specified by the Customer during collection period and the Bank
does not change predetermined collection amount, then it shall be deemed that the collection amount is not reached. Actions shall
be taken according to the following regulations in case of unreached collection amount:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 92%">The Bank shall notify the Customer by phone, fax or written notice of the situation as soon as
possible, and the Bank shall not be held accountable for the Customer in case of unreached collection amount.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">B.</TD><TD STYLE="text-align: justify; width: 92%">The Customer agrees that related transaction instructions automatically become invalid, and demand/comprehensive
deposit interest of the Customer during collection period shall be handled in accordance with relevant regulations of the Bank.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%">(4)</TD><TD STYLE="text-align: justify; width: 96%">Taxes</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%">A.</TD><TD STYLE="text-align: justify; width: 92%">Various taxes that the Customer shall pay for individual transactions shall be paid in accordance
with regulations in product description/product establishment notice/Transaction Confirmation of individual transactions, unless
otherwise stipulated.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>B.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>For constructional product transactions (Structured Product transactions as one of constructional
product transactions) engaged by individuals or profit-making enterprises with the Bank, the withholdings shall be calculated as
follow: upon completion of transactions (referring to contract premature termination or settlement at maturity), the revenues during
contract period minus costs and necessary expenses are deemed as the taxable income, which shall be withheld by the applicable
withholding rate for the investor(i.e. the taxpayer): (i) The income of individuals who engaged in constructional product transactions
shall be withheld pursuant to the law. For individuals living in the Republic of China, the applicable withholding rate shall be
10%. For other individuals, the withholding rate shall be 15%. The income of individuals after being withheld in accordance with
regulations shall not be included in total comprehensive income; (ii) The income of profit-making enterprises who engaged in constructional
product transactions shall be withheld pursuant to the law. For enterprises with a fixed place of business within the Republic
of China, the applicable withholding rate shall be 10%. For other enterprises, the withholding rate shall be 15%.The income of
profit-making enterprises after being withheld in accordance with regulations shall be included in the declaration of income tax
of that year, and the withholdings can be applied for deduction from payable taxes. (iii) The Bank shall withhold taxes beforehand
in accordance with tax law and relevant regulations. If the final income of the products gained by the Customer is zero or the
income is not enough for deduction, the Bank will withhold taxes from the maturity amount which shall be returned to the Customer.
</B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>C.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Taxes arisen from individual transactions, except aforementioned income tax, shall be paid by
both parties respectively pursuant to relevant decrees, and the Customer shall not request the Bank, on any ground, to bear the
taxes which shall be paid by the Customer.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>D.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>In case of any newly added or changed taxation decrees, relevant regulations and interpretations
from competent authorities, the Bank may directly deal with relevant tax issues for the Customer in accordance with these decrees,
including but not limited to, withholding taxes from maturity amount which shall be returned to the Customer, providing detailed
transaction information on the completed part of individual product transaction and other relevant information to related competent
authorities or its specified organizations.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(5)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Income distribution/Payment of maturity amount</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>A.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>On the &quot;income distribution date&quot;, &quot;predetermined Maturity Date&quot; or &quot;premature
Termination Date&quot; (if there are clauses for premature termination of transactions and the Bank has prematurely terminated
transactions according to those clauses) indicated on product description/Transaction Confirmation of individual products, the
Bank shall deposit income (if any) of transactions and maturity amount to any deposit account the Customer opened at the Bank or
an account separately specified by the Customer, or convert the amount into negotiable securities or other assets by methods agreed
by the Customer and the Bank (if the Customer is a member of fund subordinated to securities investment trust limited liability
company, then it shall be paid or delivered to the fund's custodial bank by methods agreed in individual Transaction Confirmation).When
it comes to the conversion of different currencies, the exchange rate shall be determined by the Bank pursuant to fair market value
principle.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>B.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>In case of the Customer terminating individual transaction contracts before maturity according
to the following regulations of termination before maturity, the Bank shall deposit the amount (after deducting related expenses
indicated in the following termination before maturity clauses and product description of the transaction) of termination before
maturity of the transaction to any deposit account the Customer opened at the Bank or an account separately specified by the Customer
within three Business Days after termination before Maturity Date or on another agreed Maturity Date.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(6)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Termination before maturity/Premature termination </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>A.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>For individual transaction contracts that no prohibition of termination before maturity is agreed,
the Customer may apply to the Bank for terminating these individual Structured Product transaction contracts (termination before
maturity only applies to a whole transaction, not a part of it) before maturity by verbal, written or other methods agreed by the
Bank after the lock-up period (if any) of the transaction contracts and within the period specified by the Bank. The Bank is the
only party entitled to approve the termination or not, the Customer shall not raise any objections. The Bank is also entitled (but
not obligated) to prematurely terminate Structured Product transaction contracts that are not yet due at that time under the following
conditions: any default events or termination events indicated in Chapter I, General Terms and Conditions, Article 8 or Article
9 of this Agreement caused by the Customer; premature termination events agreed in Transaction Confirmation of individual Structured
Products; individual Structured Products are under the circumstances of compulsory execution, sequestration, provisional injunction
or other property preservation actions.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4%"></TD><TD STYLE="width: 4%"><B>B.</B></TD><TD STYLE="text-align: justify; width: 92%"><B>Unless otherwise stipulated in Transaction Confirmation of individual Structured Products, with
regard to the amount for termination before maturity/premature termination in the preceding article, the Bank shall calculate net
value of capital invested (service charges indicated in Transaction Confirmation of individual Structured Products shall be deducted)
based on market value on Termination Date. The amount shall not apply to the income of primary products, and the Bank does not
guarantee 100% return of investment principal. The Bank shall determine and calculate aforementioned market value, which holds
complete binding force on the Customer. In addition, whether termination before maturity/premature termination is caused by the
Customer's personal factors or decrees and regulations, or change of decrees, the Customer shall be liable for market losses arisen
from termination before maturity/premature termination as well as losses and related expenses of the Bank.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 4%"><B>(7)</B></TD><TD STYLE="text-align: justify; width: 96%"><B>Prohibition of pledge and assignment of rights and obligations</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 42.6pt; text-align: justify; text-indent: -0.1pt">Individual
Structured Product transaction contracts formulated in accordance with this Agreement are assets linked to one or many subjects
and have potential market risks. The Customer shall not pledge for investment principal from the Bank or establish pledge to anyone,
nor assign rights or obligations under this Agreement and individual Structured Product transaction contracts to any third party
other than the Bank. However, after being approved by the Bank and relevant articles are written in product description or Transaction
Confirmation <B>(if the Customer is a member of fund subordinated to securities investment trust limited liability company, the
products invested have a collection period, and articles that pledge may apply to the products are explicitly stipulated in product
description provided by the Bank, then the prerequisite does not apply to the Customer, either; the same rule also applies in the
event of regulations regarding prohibition or restriction of pledge pursuant to relevant decrees that restrain the Customer)</B>,
the Customer shall pledge rights of Structured Product transactions to the Bank as collateral for its creditor's rights in accordance
with general credit granting procedures. Related regulations regarding the pledge for the Bank's debt pursuant to general credit
extension procedures are separately stipulated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 42.6pt; text-align: justify; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 42.6pt; text-align: justify; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 42.6pt; text-align: justify; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 42.6pt; text-align: justify; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 42.6pt; text-align: justify; text-indent: -0.1pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 42.6pt; text-align: justify; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>3 Other special provisions (check the
box) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.05pt; text-align: justify; text-indent: -18.05pt"><FONT STYLE="font-family: Wingdings"><B>&thorn;</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif">Chapter
I Article 3 Item 3 Terms of electronic transmission system confirmation does not apply.</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.1pt; text-align: justify; text-indent: -14.1pt"><B>&#10065;Chapter
I Article 3 Item 3 Terms of electronic transmission system confirmation applies. The Customer agrees to confirm each transaction
contract under this Agreement via electronic transmission system, and specifies following email accounts to receive notification
of relevant information. In case of inconsistency between following email accounts and accounts of the Customer recorded on the
application of corporate financial services network at the Bank, the following email accounts shall prevail to receive transaction
information under this Agreement.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 43%; border: Black 1pt solid; text-align: justify; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 57%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.2pt; text-align: justify; text-indent: -14.2pt"><B>&#10065;The
&quot;loss deposit&quot; referred to in Chapter I Article 6 does not apply.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.2pt; text-align: justify; text-indent: -14.2pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Wingdings"><B>&thorn;</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif">The
&quot;loss deposit&quot; referred to in Chapter I Article 6 applies.</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 12pt">The &quot;loss limit&quot;
is in or equivalent amount in other currencies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 12pt">The &quot;loss limit&quot;
of hedge Financial Transaction is USD 300,000 or equivalent amount in other currencies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 10.5pt; text-align: justify">The &quot;loss limit&quot; of
non-hedge Financial Transaction is in or equivalent amount in other currencies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.2pt; text-align: justify; text-indent: -2.15pt">The Bank
is entitled to adjust the amount of each &quot;loss limit&quot; mentioned above or valuation date at any time, and shall notify
the Customer via verbal/written notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.2pt; text-align: justify; text-indent: -2.15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.05pt; text-align: justify; text-indent: -18.05pt"><FONT STYLE="font-family: Wingdings"><B>&thorn;</B></FONT><B>
<FONT STYLE="font-family: Times New Roman, Times, Serif">The name and address of the process agent referred to in Chapter I Article
24 shall be: <U>No.18, Gong 4th Rd., Linkou Dist., New Taipei City.</U></FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.05pt; text-align: justify; text-indent: -18.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.05pt; text-align: justify; text-indent: -18.05pt"><FONT STYLE="font-family: Wingdings"><B>&thorn;</B></FONT><B>
<FONT STYLE="font-family: Times New Roman, Times, Serif">Chapter II Article 1 Special provisions of Currency Option transaction
does not apply.</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.05pt; text-align: justify; text-indent: -18.05pt"><B><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.05pt; text-align: justify; text-indent: -18.05pt"><FONT STYLE="font-family: Wingdings"><B>&thorn;</B></FONT><B>
<FONT STYLE="font-family: Times New Roman, Times, Serif">Chapter II Article 2 Special provisions of Structured Product transaction
does not apply.</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.05pt; text-align: justify; text-indent: -18.05pt"><B><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#10065; Other provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer hereby declares that he/she
has carefully read this Agreement and terms and conditions listed in relevant documents, including but not limited to, each provision
(including special provisions for the Customer's information) under &quot;Other special provisions&quot; in Article 3 of Chapter
II and Description, Risks Disclosure Statement and Advance Notice of Financial Derivatives (Appendix 1) (sign here), the Customer
fully understands the content of this Agreement and accepts its clauses, and that he/she confirms to have been fully aware of risks
arisen from engaging in derivatives transactions, agrees to assume risks of related investment and be liable for losses resulted
from transactions. The Customer hereby declares that he/she has already acquired a copy of this Agreement, including Description,
Risks Disclosure Statement and Advance Notice of Financial Derivatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Kind Regards,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Taishin International Bank</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Representative:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the Customer is a trust company on behalf
of its raised funds/private placements, and signs this Agreement jointly with the custodian bank, then this Agreement (appendix
included) constitutes an agreement between securities investment trust fund (unified number: ) and the Bank on financial derivatives
transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: July 23, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: Black 1pt solid; text-align: center; font-size: 10pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This column is used for review by Taishin International Bank</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Supervisor</FONT></TD>
    <TD STYLE="width: 29%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transactor</FONT></TD>
    <TD STYLE="width: 47%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify; font-size: 10pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Guaranty verification/verification seal</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Appendix 1</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Description, Risks Disclosure Statement
and Advance Notice of Financial Derivatives</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>(Taishin International Bank hereby requests
the Customer to carefully read this description, risks disclosure statement and advance notice)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&quot;Financial Transaction&quot; or &quot;transaction&quot;
defined in this Agreement refers to Financial Transactions made from time to time between the Bank and the Customer, including
but not limited to Spot or Forward transactions of Currency, Currency exchange, Currency Options, Forward Rate Agreement, Interest
Rate Swap, Cross Currency Swap, asset swap, Structured Products, Credit Derivatives, Equity Derivatives, Commodity Derivatives,
and all other financial derivative transaction contracts, with individual transaction types as follows. See product description
or Transaction Confirmation of individual transactions for other matters not covered. Following gains and losses situational analysis
for Financial Transactions (results of gains and losses situational analysis does not guarantee future performance) assumes that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Customer has not requested premature
termination or change of conditions since the trade date, and </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 17.85pt">b.</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">There are no credit risks at the Bank
during product investment period. </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>1.</B></TD><TD STYLE="text-align: justify"><B>Forward </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Transactions that specify a future Business
Day as the Settlement Day on the trade date, which deal with substantive settlement or balance settlement at a specific price and
specified amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 1: </B>The Customer buys in
(or sells out) agreed notional amount at an agreed price on Forward Settlement Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer buys in (or sells out) agreed
notional amount in {Currency 1}, and sells out (or buys in) agreed notional amount in [Currency 2] on Forward Settlement Day</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
poor]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In the event of Spot rate less (or greater)
than Forward rate on product Settlement Day, then absolute value of the &quot;notional amount x (Spot rate - Forward rate)&quot;
valued in [Currency 2] is Customer's potential settlement losses from the transaction. If currencies exchange is required for contract
transactions calculated, then the result might be subject to exchange rate fluctuation, which will result in further gains or losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
good]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In the event of Spot rate greater (or less)
than Forward rate on product Settlement Day, then absolute value of the result of &quot;notional amount x (Spot rate - Forward
rate)&quot; valued in [Currency 2] is Customer's potential settlement gains from the transaction. If currencies exchange is required
for contract transactions calculated, then the result might be subject to exchange rate fluctuation, which will result in further
gains or losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 2:</B> The Customer conducts
a non-deliverable Forward transaction that buys (or sells) an agreed notional amount on the Forward settlement date</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer receives or pays &quot;(fixing
(or Forward) rate - Forward (or fixing) rate) x agreed notional amount/fixing rate&quot; in [Currency 1] based on the fixing rate
on the Forward settlement date</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis:</B> [<B>relatively
poor</B>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming that the fixing rate on the product
Fixing Date is less (greater) than the Forward rate, the absolute value of the result of &quot;notional amount x (fixing rate -
Forward rate)/fixing rate&quot; valued in [Currency 1] shall be the settlement losses of the Customer from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis:</B> [<B>relatively
good</B>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming that the fixing rate on the product
Fixing Date is greater (less) than the Forward rate, the absolute value of the result of &quot;notional amount x (fixing rate -
Forward rate)/fixing rate&quot; valued in [Currency 1] shall be the settlement gains of the Customer from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Potential losses and the greatest possible
risks for the Customer are (Maximum potential losses): </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If the market price on the settlement
date is not in favor of the Customer's settlement, the Customer may suffer a settlement loss at the end of the period with an amount
that has no upper limit.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD STYLE="text-align: justify"><B>Currency Swap</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Transactions that buy (or sell) a specified
amount of foreign exchange in the Spot market, and at the same time sell (or buy) equivalent amount of foreign exchanges in the
Forward market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> A transaction that buys
(sells) and sells (buys) the same amount of a Currency at the same time, but on different settlement dates. The Customer conducts
a transaction that buys/sells (or sells/buys) an agreed notional amount in [Currency 1] in exchange for [Currency 2] in the Spot
market and the Forward market at the same time</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer buys (or sells) an agreed
notional amount in [Currency 1], and sells (or buys) the amount of &quot;agreed notional amount x exchange rate at the beginning
of the period&quot; in [Currency 2].on the Spot settlement date</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
poor]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The cost of the Customer's debit and credit
in [Currency 1] and [Currency 2] is the Forward rate point of the swap rates at the end and the beginning of the period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Without consideration of the swap rate
at the beginning of the period, assuming that the Spot rate on the final swap date is less (or greater) than the final swap rate,
the absolute value of the result of &quot;notional amount x (Spot rate - final swap rate)&quot; valued in [Currency 2] shall be
the Customer's losses of market price from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
good]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The cost of the Customer's debit and credit
in [Currency 1] and [Currency 2] is the Forward rate point of the swap rates at the end and the beginning of the period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Without consideration of the swap rate
at the beginning of the period, assuming that the Spot rate on the final swap date is greater (or less) than the final swap rate,
the absolute value of the result of &quot;notional amount x (Spot rate - final swap rate)&quot; valued in [Currency 2] shall be
the Customer's gains of market price from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Potential losses and the greatest possible
risks for the Customer are (Maximum potential losses): </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&#9678;The cost of the Customer's debit
and credit in [Currency 1] and [Currency 2] is the Forward rate point of the swap rates at the end and the beginning of the period.
Without consideration of the swap rate at the beginning of the period, if the market price on the final swap date is not in favor
of the Customer's settlement, the Customer may suffer a loss of market price at the end of the period with an amount that has no
upper limit.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>3.</B></TD><TD STYLE="text-align: justify"><B>Interest Rate Swap</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Transactions that use different interest
rate indexes of a single Currency for purpose of swap to exchange a specified amount of interest or interest differential on a
regular basis over a period of time. The types of Interest Rate Swap may be fixed-for-floating Interest Rate Swap, fixed-for-fixed
Interest Rate Swap, and floating-for-floating Interest Rate Swap.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer conducts an
Interest Rate Swap transaction in which the Customer pays a fixed (or floating) interest rate of the notional amount, and receives
a floating (or fixed) interest rate on a regular basis over a certain period of time</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer pays (or receives) &quot;an
agreed notional amount x fixed rate x number of days based on the fixed interest rate&quot;, and receives (or pays) &quot;the notional
amount x floating rate x number of days based on floating interest rate&quot; on the settlement date of each period; both parties
swap the interest rate at regular intervals during the agreed period</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
poor]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming that the Customer regularly pays
a fixed (or floating) interest rate and regularly receives a floating (or fixed) interest rate from the first period (inclusive)
to the last period (inclusive) of the first year, if the paid interest rate is greater than the received interest rate, then the
analysis of differential gains and losses of the transaction shall be the cumulative losses (before tax) of the Customer in that
year: (the paid interest rate - the received interest rate)%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
good]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming that the Customer regularly pays
a fixed (or floating) interest rate and regularly receives a floating (or fixed) interest rate from the first period (inclusive)
to the last period (inclusive) of the first year, if the received interest rate is greater than the paid interest rate, then the
analysis of differential gains and losses of the transaction shall be the cumulative gains (before tax) of the Customer in that
year: (the received interest rate - the paid interest rate)%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Potential losses and the greatest possible
risks for the Customer are (Maximum potential losses): </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If any paid interest rate of the Customer
is greater than the received interest rate during the period of the contract, the Customer may suffer a settlement loss in that
period with an amount that has no upper limit.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>4.</B></TD><TD STYLE="text-align: justify"><B>Cross Currency Swap</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Transactions that exchange a specified
amount of principal and interest between different currencies over a period of time, and may be an actual delivery or a balance
settlement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer conducts a
Cross Currency Swap transaction in which the Customer buys/sells (or sells/buys) a specified amount of [Currency 1] in exchange
for [Currency 2] over a period of time</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">[Notional amount 1] is the agreed notional
amount of [Currency 1]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">[Notional amount 2] is the [Currency 2]
notional amount of [notional amount 1] x swap rate at the beginning of the period</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">[Notional amount 3] is the [Currency 2]
notional amount of [notional amount 1] x swap rate at the end of the period</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer buys (or sells) [notional
amount 1] and sells (or buys) [notional amount 2] on the Spot settlement date, and sells (or buys) [notional amount 1] and buys
(or sells) [notional amount 3] on the Forward settlement date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">And the Customer regularly pays (or receives)
a [Currency 1] interest of [notional amount 1] x [Currency 1] interest rate x number of days based on [Currency 1] interest rate,
and the Customer regularly receives (or pays) a [Currency 2] interest of [notional amount 2] x [Currency 2] interest rate x number
of days based on [Currency 2] interest rate</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis of Interest
Rate Swap</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">From the first period (inclusive) to the
last period (inclusive) of the first year, the Customer regularly pays (or receives) [Currency 1] interest rate, and regularly
receives (or pays) [Currency 2] interest rate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Principal swap gains and losses analysis
1:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The cost of the Customer's debit and credit
in [Currency 1] and [Currency 2] is the Interest Rate Swap.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Without consideration of the swap rate
at the beginning of the period, assuming that the Spot rate on the final swap date is less (or greater) than the final swap rate,
the absolute value of the result of &quot;[notional amount 1] x (Spot rate - final swap rate)&quot; valued in [Currency 2] shall
be the Customer's losses of market price from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Principal swap gains and losses analysis
2:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The cost of the Customer's debit and credit
in [Currency 1] and [Currency 2] is the Interest Rate Swap.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Without consideration of the swap rate
at the beginning of the period, assuming that the Spot rate on the final swap date is greater (or less) than the final swap rate,
the absolute value of the result of &quot;[notional amount 1] x (Spot rate - final swap rate)&quot; valued in [Currency 2] shall
be the Customer's gains of market price from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Potential losses and the greatest possible
risks for the Customer are (Maximum potential losses):</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&#9678;Interest Rate Swap: If any paid
interest rate of the Customer is greater than the received interest rate during the period of the contract, the Customer may suffer
a settlement loss in that period with an amount that has no upper limit.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&#9678;Principal swap: Without consideration
of the swap rate at the beginning of the period, if the Spot rate on the final swap date is not in favor of the Customer's settlement,
the Customer may suffer a loss of market price in that period with an amount that has no upper limit. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>5.</B></TD><TD STYLE="text-align: justify"><B>Commodity Swap </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Transactions that use commodity price as
the underlying subject of a swap to exchange a specified quantity of fixed and floating prices on a regular basis during the agreed
period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer conducts a
swap transaction in which the Customer acts as the payer of fixed (floating) prices and the payee of floating (fixed) prices</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer pays (or receives) &quot;the
specified quantity x fixed price&quot;, and receives (or pays) &quot;the specified quantity x floating price&quot; on the settlement
date</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
poor]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming that the fixed price is greater
(or less) than the floating price, the absolute value of the result of &quot;the specified quantity x (fixed price - floating price)&quot;
shall be the Customer's settlement losses from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Gains and losses analysis: [relatively
good]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming that the fixed price is less (or
greater) than the floating price, the absolute value of the result of &quot;the specified quantity x (fixed price - floating price)&quot;
shall be the Customer's settlement gains from the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Potential losses and the greatest possible
risks for the Customer are (Maximum potential losses):</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If the paid price of the Customer is
greater than the received price during the period of the contract, the Customer may suffer a settlement loss in that period with
an amount that has no upper limit. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>6.</B></TD><TD STYLE="text-align: justify"><B>Option</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The agreement that the Seller of the Option
promises that the Buyer of the Option has the right (but not the obligation) to buy/sell an underlying asset from/to him when exercising
the Option (including American, European, Bermuda, etc.), and an actual delivery or a balance settlement may be made when the agreement
is performed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(1) FX Call Option</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer agrees to
sell (or buy) a specified amount of [Currency 1] Call Option in exchange for [Currency 2] Put Option on a specific date in the
future (European), and agrees that the price of buying and selling [Currency 1] in exchange for [Currency 2] shall be the exercise
rate</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1. The Buyer pays the Premium to the Seller
at the beginning of the period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">2. If the fixing rate on the agreed Fixing
Date is less than the exercise rate, the Option shall be invalid and there shall be no settlement between the Buyer and the Seller;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">3. If the fixing rate on the agreed Fixing
Date is greater than or equal to the exercise rate, the Customer shall have the obligation (or the right) to sell (or buy) a specified
amount of [Currency 1], and buy (or sell) [Currency 2] with an amount of &quot;the specified amount x exercise rate&quot; on the
settlement date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(2) FX Put Option</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer agrees to
sell (or buy) a specified amount of [Currency 1] Put Option in exchange for [Currency 2] Call Option on a specific date in the
future (European), and agrees that the price of buying and selling [Currency 1] in exchange for [Currency 2] shall be the exercise
rate</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1. The Buyer pays the Premium to the Seller
at the beginning of the period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">2. If the fixing rate on the agreed Fixing
Date is greater than the exercise rate, the Option shall be invalid and there shall be no settlement between the Buyer and the
Seller;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">3. If the fixing rate on the agreed Fixing
Date is less than or equal to the exercise rate, the Customer shall have the obligation (or the right) to buy (or sell) a specified
amount of [Currency 1], and sell (or buy) [Currency 2] with an amount of &quot;the specified amount x exercise rate&quot; on the
settlement date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(3) Cap</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer agrees to
sell (or buy) a specified amount of Cap on a specific date in the future (European), and the agreed interest rate shall be the
exercise interest rate</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1. The Buyer pays the Premium to the Seller
at the beginning of the period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">2. If the fixing interest rate on the agreed
Fixing Date is less than the exercise interest rate, the Option shall be invalid and there shall be no settlement between the Buyer
and the Seller;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">3. If the fixing interest rate on the agreed
Fixing Date is greater than or equal to the exercise interest rate, the Customer shall have the obligation (or the right) to pay
(or receive) &quot;a specified amount x (fixing interest rate - exercise interest rate)&quot; on the settlement date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(4) Floor</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer agrees to
sell (or buy) a specified amount of Floor on a specific date in the future (European), and the agreed interest rate shall be the
exercise interest rate</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1. The Buyer pays the Premium to the Seller
at the beginning of the period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">2. If the fixing rate on the agreed Fixing
Date is greater than the exercise interest rate, the Option shall be invalid and there shall be no settlement between the Buyer
and the Seller;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">3. If the fixing interest rate on the agreed
Fixing Date is less than or equal to the exercise interest rate, the Customer shall have the obligation (or the right) to buy (or
sell) &quot;a specified amount x (exercise interest rate - fixing interest rate)&quot; on the settlement date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(5) Equity Call or Commodity Call</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer agrees to
sell (or buy) specified shares of call on a specific date in the future (European), and the agreed price shall be the Strike Price</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1. The Buyer pays the Premium to the Seller
at the beginning of the period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">2. If the fixing price on the agreed Fixing
Date is less than the Strike Price, the Option shall be invalid and the Buyer and there shall be no settlement between the Buyer
and the Seller;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">3. If the fixing price on the agreed Fixing
Date is greater than or equal to the Strike Price, the Customer shall have the obligation (or the right) to pay (or receive) &quot;specified
shares x (fixing price - Strike Price)&quot; on the settlement date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(6) Equity Put or Commodity Put</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example:</B> The Customer agrees to
sell (or buy) specified shares of put on a specific date in the future (European), and the agreed price shall be the Strike Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Settlement situation:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1. The Buyer pays the Premium to the Seller
at the beginning of the period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">2. If the fixing price on the agreed Fixing
Date is greater than the Strike Price, the Option shall be invalid and the Buyer and there shall be no settlement between the Buyer
and the Seller;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">3. If the fixing price on the agreed Fixing
Date is greater than or equal to the Strike Price, the Customer shall have the obligation (or the right) to pay (or receive) &quot;specified
shares x (Strike Price - fixing price)&quot; on the settlement date</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Maximum potential losses and the greatest
possible risks for the Customer are (Maximum potential losses):</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&copy; If this Agreement is terminated
before maturity by the Customer, the commodity shall be calculated based on the market price, and in addition to being unable to
settle on the basis of the settlement amount calculation, the Customer may also suffer losses of premature termination and even
bear an unlimited loss in extreme cases.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">All these derivatives above have their
own corresponding commodity risk levels. The evaluation principles of commodity attribute of derivatives include these factors,
such as fluctuation range, class of underlying assets, product days, financial derivatives risk index, and commodity complexity.
Comprehensively evaluating and confirming the degree of commodity risk of these financial derivatives, which is divided into 1-6
levels from low to high:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Definition of product risk level:</B>&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify">The First Level is very conservative: the linked slight-volatility risk market, the market value
or the profit and loss of the transaction are rarely influenced by the risk factors such as market changes and changes of policy
and rule of law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify">The Second Level is conservative: the linked low-volatility risk market, the market value or the
profit and loss of the transaction are rarely influenced by the risk factors such as market changes and changes of policy and rule
of law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: justify">The Third Level is steady: the linked low-volatility to middle-volatility risk market, the market
value or the profit and loss of the transaction are slightly influenced by the risk factors such as market changes and changes
of policy and rule of law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">4.</TD><TD STYLE="text-align: justify">The Fourth Level is growth: the linked middle-volatility to high-volatility risk market, the market
value or the profit and loss of the transaction are moderately influenced by the risk factors such as market changes and changes
of policy and rule of law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">5.</TD><TD STYLE="text-align: justify">The Fifth Level is positive: the linked high-volatility risk market, the market value or the profit
and loss of the transaction are greatly influenced by the risk factors such as market changes and changes of policy and rule of
law, and product structure may be diversified.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 17.85pt">6.</TD><TD STYLE="text-align: justify">The Sixth Level is very positive: the linked extremely high-volatility risk market, the market
value or the profit and loss of the transaction are significantly influenced by the risk factors such as market changes and changes
of policy and rule of law, and product structure may be diversified or has a leverage structure, and the commodity complexity is
high.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Customer should take the financial
commodity risk into full consideration and refer to the Bank&rsquo;s financial commodity risk level if he deals with financial
derivatives not for the purpose of hedging. If the risk level exceeds the risk rating made by the Bank, the Customer should assess
the operation situation and financial operating of the company prudently and understand the relevant risk of financial commodity,
and has consulted or consider there is no need to consult expert advisors other than the Bank to fully understand before makes
a trade decision.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>This risk discloses the risks of all
exchange rates, interest rates, stock prices, credits, indexes, futures, Options, structured commodities and all other financial
derivatives that can&rsquo;t be disclosed in declaration and disclosure statement. Because of these risks, the Customer must understand
the nature of the transactions that will be made and the risk levels that will be undertaken before conducts a transaction. The
Customer should also consider carefully in terms of his operating experience, purposes, financial conditions and other points,
and have a clear understanding of the nature of the transaction and the legal relationship of the relevant contracts signed, and
the nature and level of the risks that may arise after the transaction, to consider deliberately whether such transactions are
suitable for conducting.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>General Risk</B> (This risk potentially
exists regardless of the type of the Financial Transaction)</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>1.</B></TD><TD STYLE="text-align: justify"><B>Premature termination: If the Financial Transaction is not approved by the Bank, the Customer
may not, in principle, terminate it early before the agreed Maturity Date. If the Bank agrees to terminate a contract in advance,
the costs, losses or service charges incurred should be borne by the Customer, and the costs or losses include the costs incurred
by writing off the hedge position of the commodity. The Customer may get a lower commodity yield than its pre-determined one, and
even a negative yield.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD STYLE="text-align: justify"><B>The intervention of the supervision organization</B>: If the right of the Bank to deal with
the open position is deprived or restricted due to its supervision organization or any other reasons, the Customer will be affected.
Under such circumstances, the Customer may be asked to reduce the uncovered position with the Bank or unwind the position.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>3.</B></TD><TD STYLE="text-align: justify"><B>Electronic trading:</B> Undertake transactions on an electronic trading system, which may be
different from undertaking transactions on other electronic trading systems. If the Customer undertakes transactions on an electronic
system, he will be exposed to risks associated with the system including the failure of hardware and software. Failure of the system
may result in the trade demand of the Customer is not executed according to the instructions, or even not executed at all.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>4.</B></TD><TD STYLE="text-align: justify"><B>Non-agent transactions:</B> The Customer and the Bank conduct a transaction with each other
all on their own behalf, and the Bank and the Customer are each other&rsquo; s counterparty in terms of the transactions conducted.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>5.</B></TD><TD STYLE="text-align: justify"><B>Market risk: The Customer may suffer a loss when the market quotation is detrimental to the
Customer&rsquo;s position. If the market quotation changes drastically, the loss of the Customer&rsquo;s close position may exceed
the originally expected one. </B>The Bank only conducts a transaction when the market price of the stop-loss (limit) order or reservation
order breaks through the specified price. These reservation orders may result in a failure of making a deal exactly at the price
specified by the Customer due to the changes of the market quotation, and further cause a large (small) loss (profit) than the
originally expected one. <B>In extreme cases, domestic and foreign markets or institutions may stop trading so that the position
of the Customer can&rsquo;t be closed out, thus may lead to a larger (smaller) loss (profit).</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>6.</B></TD><TD STYLE="text-align: justify"><B>Credit risk: The Customer must bear the credit risk of the Bank. The Customer must also bear
the credit risk of the credit Reference Entity if the transaction conducted by the Customer is a credit derivative. </B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>7.</B></TD><TD STYLE="text-align: justify"><B>Tax risk:</B> The product traded by the Customer may generate taxes. Also, Tax Act or relevant
specifications, interpretations of any responsible institutions may generate risks such as adding or changing taxes.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>8.</B></TD><TD STYLE="text-align: justify"><B>Risk of potential conflict of interest:</B> The Bank will conduct a transaction as a client
or agent in the market where products are traded, including but not limited to buying and selling products. This may affect the
price of the product at any point of time (whether it is a positive or negative impact). In addition, the Bank is the clearing
institution of the product, and the interest of the Bank may conflict with the interest of the Customer within the above range.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>9.</B></TD><TD STYLE="text-align: justify"><B>The acquisition and extraction risk of the loss margin:</B> If the contract document signed
by the Customer with the Bank has a loss margin or Mark-to-Market Loss clause, when the market situation is detrimental to the
Customer and cause the mark-to-market loss to exceed the loss limit, the Customer should provide the loss margin of the differential
section between the mark-to-market and the loss limit according to the notice of the Bank, to cover all losses arising from the
calculation of the transaction at the market price during the remaining period of the transaction conducted by the Customer. The
mark-to-market profit or loss of the financial derivatives is affected by factors such as the market price of the underlying asset.
<B>When the market price is detrimental to the transaction of the Customer, the mark-to-market loss of the transaction is likely
to be much larger than expected. When the adverse situation of the market is aggravated and/or the remaining period of the transaction
conducted by the Customer is long, the loss margin mentioned above that need to be provided may be very large or much greater than
expected. The Customer should cover the large amount of loss margin in a short time, but the market value of the other financial
assets of the Customer may slump at this time. The ability of the Customer to cover the loss margin now may be far below the time
when the market condition is normal, and the liquidity risk of fund procurement may be generated. The Customer understands that
failure to fulfill the requirement for providing the loss margin, the transaction will be handled according to the contract documents
or terminated early without the consent of the Customer, and the relevant losses and expenses will be undertaken by the Customer.
The Customer may take tons of losses.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>10.</B></TD><TD STYLE="text-align: justify"><B>Maximum risk exposure risk:</B> The Customer should carefully assess in advance the maximum
amount of risk exposure (or calculate the maximum amount of risk exposure generated by other undue contracts of the same type),
and the appropriate hedge position of the relevant Currency holdings or expected cash outflows. <B>If a financial derivative is
not for hedging, its maximum possible loss amount may be infinite, and if it is a structured commodity that has a multiplier clause,
the trade loss will enlarge due to the multiplier effect when the the market price is not favorable to the Customer. For the financial
derivatives traded for the purpose of hedging, if the transaction amount is larger than the real demand, the excess part will bear
the risk of no coverage by the substantial position.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>11.</B></TD><TD STYLE="text-align: justify"><B>Terminating the transaction early:</B> The Customer terminates the transaction early before
the contract expires, and if the market price is not conducive to the transaction of the Customer, the Customer may bear huge transaction
losses. The derivatives with a long day will take higher risks. And if the market price is not conducive to the transaction of
the Customer, the Customer will bear higher transaction losses of early termination.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>12.</B></TD><TD STYLE="text-align: justify"><B>Derivative transactions</B> may be related to, or based on, interest exchange rates, currencies,
securities, commodities and other underlying assets. <B>Under certain market conditions, the Customer may suffer relevant losses
or gain considerable interests; the result may be detrimental or beneficial to the Customer and will lead to huge losses or high
profits in terms of the highly leveraged of the quota or the transaction. The Customer should bear the losses caused by all risks
(the amount may be fairly large). And the Bank is not responsible for any risks arising from the quota or the transaction. Therefore,
the Customer should consider carefully his financial conditions, experience, targets and other relevant conditions to determine
whether these transactions are suitable for conducting. The Customer must also make sure that he has been fully aware of the nature
of any quotas and transactions, the contractual relationship that he will get into, and the nature and degree of the risk taken
by him. This instruction cannot disclose all the risks and other important notices of the derivative transaction. The Bank recommends
that the Customer obtains independent legal and investment opinions before conducting any quotas or transactions.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>13.</B></TD><TD STYLE="text-align: justify"><B>The Customer may request the Bank to provide a description of the risks of the transaction when
the transactional contract is established, and start to make a transaction request to the Bank in the way specified by the Bank
after the Customer agrees to understand the risks of the transaction. Once the transaction is established, all profits and losses
will be fully borne by the Customer, and the investor cannot require the Bank to assume any responsibilities for insufficient risk
perception or other reasons.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Structured Product Risk</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt">1.</TD><TD STYLE="text-align: justify"><B>Structured Product</B> refers to the Structured Product transaction that combines fixed income
products with financial derivatives (most of which are Options and swap contracts). It can link to a wide range of underlying,
including transactional contracts derived from interest rate, exchange rate, stock price, index, commodity, credit event or other
interests and their combinations. Structured Product is not a general savings, but an investment. Its profit and loss are influenced
by many factors, such as the market price of the underlying asset, the condition of the product, the mechanism of exiting the market
early, or the occurrence of the agreed credit event. <B>In the situation where certain conditions are met, the profit of Structured
Product may be higher than that of the common simple deposit rate; otherwise, it may reduce and erode the investment principal.
The Bank doesn&rsquo;t promise to return all investment principal when the agreement is terminated before maturity, and modest
capital preservation at maturity is depending on the condition set up.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt">2.</TD><TD STYLE="text-align: justify"><B>&ldquo;Principal protected Structured Product&rdquo; </B>refers to the condition where the Customer
uses all or part of the fixed income generated by the original capital of investment for paying or exchanging financial derivatives
(Options and swap contracts) when conducting a Structured Product transaction. If the trend of the underlying asset or product
condition of the financial derivatives (Options and swap contracts) meets the expectation of the Customer, the remuneration of
the product condition can be obtained; on the contrary, if the trend of the underlying asset or product condition of the financial
derivatives (Options and swap contracts) does not meet the expectation of the Customer, the maximum probable loss is achieving
nothing in the case where the Customer always owns the product prior to the date due and the credit risk has not occurred in the
Bank. <B>&ldquo;Non-principal protected Structured Product&rdquo;</B> refers to the condition where the Customer uses all or part
of the fixed income generated by the original capital of investment or the principal for paying or exchanging financial derivatives
(Options and swap contracts) when conducting a Structured Product transaction. If the trend of underlying asset or product condition
of the financial derivatives (Options and swap contracts) meets the expectation of the Customer, the remuneration of the product
condition can be obtained; however, if the trend of underlying asset or product condition of the financial derivatives (Options
and swap contracts) does not meet the expectation of the Customer, it is probably that the risk side of the financial derivative
(Options and swap contracts) transaction is executed, and the Customer should transfer the matured principal to an agreed Currency
or security or other agreed assets, or draw the amount of money lower than the original capital of investment (that is there is
a loss of the original capital of investment) according to the agreed conversion condition of the original capital of investment
and expired product condition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt">3.</TD><TD STYLE="text-align: justify">Structured Product transaction has the characteristics of the financial derivative (Options and
swap contracts) (such as exchange rate, interest rate, commodity, credit, stock price or stock price index) transaction that engages
in single or multiple underlying assets, and involves many risks which will probably be great. Therefore, the Customer should take
account of his financial situation and risk taking ability before conducting this transaction. The following items should be paid
attention to during the transaction:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 21pt">(1)</TD><TD STYLE="text-align: justify">The five main factors that affect the price of the financial derivatives (Options and swap contracts)
are as follows: the volatility of single or multiple underlying assets, the market price or the Forward market price curve of the
underlying asset, the product condition, the expiration time of the product, and the existence of the mechanism for the product
to exit the market early. The changes of the price of the financial derivatives are not necessarily beneficial to the Customer
when the changes of one or two above items are beneficial to the Customer. The investor should comprehensively assess the positive
or negative effects caused by the various factors to make an appropriate trade decision.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 21pt">(2)</TD><TD STYLE="text-align: justify">For financial derivatives (Options and swap contracts), it is necessary to further assess their
maximum possible loss according to the individual product conditions when the market changes are detrimental to them. The probable
maximum loss may include the loss of the original capital of investment if trading &ldquo;non-principal protected Structured Product&rdquo;.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 21pt">(3)</TD><TD STYLE="text-align: justify">When the position of the financial derivatives (Options and swap contracts) is detrimental to the
Customer, the Customer uses the Spot or Forward Option in the market or the swap contract to avoid the market risk. But the risk
is not necessarily smaller than that of buying back or selling the financial derivatives directly in the market, depending on the
product conditions traded.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 21pt">(4)</TD><TD STYLE="text-align: justify">The only way for financial derivatives (Options and swap contracts) to be liquidated in advance
should be buying or selling the financial derivatives traded before directly in the market, rather than trading in the Spot or
Forward Option or swap contract market.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 21pt">(5)</TD><TD STYLE="text-align: justify">The execution of the order of financial derivatives (Options and swap contracts) depends on the
market situation, and the transaction may not be concluded at a predetermined price when the market fluctuates drastically.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt">4.</TD><TD STYLE="text-align: justify">The Customer understands the market related to the investment underlying of a &quot;Structured
Product&quot; may be affected by laws, regulations or policies, which may cause the market to stop transactions, terminate transactions,
close down or other risks.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt"><B>5.</B></TD><TD STYLE="text-align: justify"><B>The degree of the risks faced by the Customer varies with the designs and conditions of &quot;Structured
Products&quot;. The main risks include but are not limited to the principal conversion risk, market interest rate risk, investment
underlying applicability risk, principle loss risk, liquidity risk, reinvestment risk regarding acceleration of maturity, midway
termination risk, credit risk, taxation risk, exchange risk, country risk, legal risk, product conditions change risk, etc. The
Customer may require the Bank to provide instructions on the risks of a transaction before the establishment of the transaction
contract. The Customer agrees to make a transaction request to the Bank in the manner prescribed by the Bank after understanding
the transaction risks. Once the transaction is established, the Customer shall be responsible for all profits and losses, and shall
not require the Bank to assume any responsibility for insufficient risk perception or other reasons.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt">6.</TD><TD STYLE="text-align: justify">In principle, the Customer shall not terminate the contract or withdraw the money in advance before
the agreed Maturity Date of the &quot;Structured Product&quot;, unless approved by the Bank. If the Bank agrees with the Customer
to terminate the contract or withdraw the money in advance, the resulting costs, losses or fees generated by the Bank shall be
borne by the Customer. The costs or losses include the costs incurred by the Bank in writing off the hedge position of the product.
The Customer may get a return rate lower than the preset rate of the product, or even a negative return rate (i.e. damaging investment
principal).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt">7.</TD><TD STYLE="text-align: justify">For any other Financial Transactions, the Customer must clearly understand all relevant legal requirements
(including investment restrictions), and the Customer shall consider the legal, taxation, and accounting influence imposed by the
Financial Transaction. When appropriate, the Customer shall also consider consulting with appropriate consultants on the products
to invest and the special environment to get assisted in understanding the risks involved. If the Customer is a financial adviser
or agent, various risks mentioned above shall also be assessed based on the Customer or his/her relevant circumstances.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt">8.</TD><TD STYLE="text-align: justify">When the Customer and the Bank conduct a &quot;Structured Product&quot; transaction, the Customer
shall understand that the Bank is a contractual object for the Customer, and is by no means a financial adviser or a trustee for
its trust.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 20.25pt"><B>9.</B></TD><TD STYLE="text-align: justify"><B>Warnings on investing in Structured Products:</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(1)</B></TD><TD STYLE="text-align: justify"><B>This product is a complex financial product and must be explained by an expert before investing.
If investors cannot fully understand this product, do not invest.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(2)</B></TD><TD STYLE="text-align: justify"><B>This product is not a deposit but an investment which is not covered by deposit insurance.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(3)</B></TD><TD STYLE="text-align: justify"><B>The investor shall read product descriptions and risk disclosure statements before investing,
and shall understand and judge for himself/herself, and be responsible for his/her own profits and losses.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(4)</B></TD><TD STYLE="text-align: justify"><B>This product is an investment-oriented product. The investor shall bear the market risk of this
product and the credit risk of Taishin Bank by himself/herself.</B></TD></TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(5)</B></TD><TD STYLE="text-align: justify"><B>The investor shall not sign or seal relevant documents without clearly understanding the product
descriptions, contract terms and the whole document content.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(6)</B></TD><TD STYLE="text-align: justify"><B>The investor's midway terminating the contract may result in the recoverable money lower than
the investment principal.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(7)</B></TD><TD STYLE="text-align: justify"><B>The maximum possible loss is the entire investment principal.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(8)</B></TD><TD STYLE="text-align: justify"><B>The degree of the risks faced by the investor varies with the designs and conditions of Structured
Products. For cash settlement, there may risks of part or all interest, principal loss or other losses; for non-cash settlement,
the principal may convert to underlying assets as agreed, and probably the investor must bear the credit risks of the Bank and
the issuer of the underlying assets.</B></TD></TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 18.75pt"><B>(9)</B></TD><TD STYLE="text-align: justify"><B>The factors that affect the price changes of financial derivatives are extremely complex. The
risks disclosed by the Bank only cover the major part of the risks. It may not be able to expatiate on the transaction risks and
factors affecting market quotations. Therefore, the investor shall fully understand the nature of the Structured Product, and related
financial, accounting, taxation or legal issues before transaction, and assess his/her own financial status and risk tolerance,
and then decide whether to invest.</B></TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Option Transaction Risk</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify"><B>The risk of selling Options is generally higher than the risk of buying Options:</B> although
the Customer could exclusively obtain the Premium when selling Options, he/she may bear a loss much bigger than the Premium: the
obligation of the Customer's selling Options is unlimited, and with the rise and fall of the prices of underlying assets (foreign
exchanges, stocks, interest rates, raw materials, etc.), <B>the Customer's loss may be unlimited, while the profit is only limited
to the Premium.</B> The Customer must bear the risk that the Buyer exercises the Option when selling an Option. At that time, the
Customer is obligated to settle in cash, or buy, sell or deliver relevant equities. Involved risk may be reduced if the Customer
holds a corresponding relevant equity or underlying asset, or another Option &quot;covered Option&quot;. In addition, as an Option
Seller, the Customer must understand that he/she needs to bear market price fluctuations and other risks. When there are losses
according to market assessment, the Customer should provide a deposit to the Bank as agreed. If the deposit provided is much larger
than expected, there may be s liquidity risk with regard to fund transferring. If the Customer fails to fulfill the obligation
to provide a deposit, so that the Bank terminates the transaction in advance, then the Customer may bear huge losses.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: justify">The market also has novel Options
with different risk patterns. When the Customer undertakes an Option transaction, he/she shall first understand his/her rights
and obligations, evaluate his/her risk tolerance, and then make the transaction. For example, for European Knock-in Options, the
rights and obligations of the Option Buyer and Seller come into effect at the prices-comparing point when the market price knocks
effective conditions, and then risks arise as stated above; for American Knock-out Options, there is no knock events after the
transaction is undertaken and before the prices-comparing point, and the rights and obligations of this American Knock-out Option's
Buyer and Seller are the same as general Options, but if the market price has knocked failure conditions at any time, the rights
and the obligations will become invalid in advance; for digital Options, the risk of the Option Seller will rise and fall as the
prices of underlying assets (foreign exchanges, stocks, interest rates, raw materials, etc.) change, and the loss will be a fixed
amount, the profits will be only limited to the Premium. Furthermore, if the Customer undertakes a structured transaction with
a complex pattern (covering multiple groups of Options with different Maturity Dates), for example: the product condition is to
leave in advance when periodic profits accumulate to the target price, with the rise and fall of the prices of underlying assets
(foreign exchanges, stocks, interest rates, raw materials, etc.), the rights and obligations of the Customer may terminate in advance.
If the rights and obligations don't terminate in advance, the Customer's losses may be unlimited. Also please notice that the amount
of money regarding the Customer's rights and the amount regarding the obligations do not necessarily have to be equal. The amount
regarding the Customer's obligations may be multiple of the amount regarding the rights (leverage operation), resulting in the
loss multiple of the profit. When the market is not in favor of the calculation direction of the delivery amount for the investor,
the delivery amount may be amplified due to the leverage factor, and the investor will face delivery losses and suffer significant
losses. <B>In the worst case, the Customer's loss may have no upper limit.</B> After the transaction day, the marked to market
value will be affected by various market factors, depending on the underlying (foreign exchanges, stocks, interest rates, raw materials,
etc.). For example, if the Customer undertakes a structured foreign exchange transaction with a complex pattern, he/she will be
affected by market factors such as interest rates, exchange rates, credit spreads and related Currency fluctuations. When the relevant
market factors are not favor of the calculation direction of the delivery amount for the investor, the transaction loss will be
amplified due to the leverage factor, and the market price of the product will drop rapidly, probably causing huge transaction
loss.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15.75pt; text-align: justify">As the financial market changes,
the Customer will be exposed to more and more single or complex structured Option transactions. The content above does not cover
all kinds of Option transactions and corresponding risks, nor does it mean the Option transactions not listed here involve no risks.
Therefore, the Customer must judge for himself/herself the Option to be transacted, the transaction and corresponding risks. The
Bank does not forecast or guarantee any market conditions.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify"><B>Exchange and swap risk:</B> Profits or losses incurred in contract transactions calculated in
Foreign Currency (regardless of whether the transaction is conducted in his/her own jurisdiction or elsewhere), the unit Currency
to be exchanged will likely be affected by exchange rate fluctuations. If the investor conducts a transaction with a Foreign Currency,
and chooses to exchange the delivery Currency for local Currency when delivery, he/she may encounter profits or losses due to exchange
rate fluctuations.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: justify"><B>Structured policy:</B> It may not be effective to set certain instructions (such as &quot;stop-loss
orders&quot; or &quot;stop-limit orders&quot; permitted by local laws) to control losses to a certain extent. Because the market
may not allow clinching a deal at a preset price, and it may also make relevant orders fail to be exercised. In addition, when
using a combination position policy (such as Spot or Forward transactions) to hedge against the risk of financial derivative transactions,
the risk is not necessarily less than the risk of buying or selling the financial derivative directly in the market, and vice versa.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">4.</TD><TD STYLE="text-align: justify"><B>Liquidity risk, transaction suspension or restriction, and price relationship:</B> market conditions
(such as Currency cannot be circulated) and/or some market regulation (such as transactions are suspended for any Currency due
to the price restriction, government intervention or interruption of the trading system) may lead to difficulties in or inability
to completing/complete transactions or closing/close positions. If such a situation occurs after the Customer sells a Option, the
risk of loss to the Customer may increase. The normal price relationship between related assets and futures or Options may not
exist. For example, under extreme market conditions, Spot contracts related to stock Options are regulated by price restrictions,
and only unilateral Buyer or Seller market remains, so the appeared transaction price is actually not a true transaction price,
but the price is still used to execute the Option's rights and obligations when the Option is mature. Therefore, it's hard to judge
what a &quot;fair price&quot; is for the Customer due to a lack of relevant reference asset prices. When the Customer undertakes
a structured transaction with a complex pattern which lacks liquidity due to its combination of many financial derivatives, if
he/she terminates the contract in advance, there may be a spread between the actual transaction price and the original asset value
of the product. As a result, the Customer may suffer a loss with regard to midway termination when he/she sells the product before
maturity. And even the Customer must hold the product until its maturity once the market completely loses liquidity. Long term
structured transactions with complex patterns have high risks. When the market price is not in favor of transactions for the Customer,
he/she will bear big transaction losses with regard to early termination. When the Customer applies for midway termination of the
contract, the value of the product will be calculated based on the market price on the termination day, not the calculation description
of the original delivery amount. <B>The calculation of the price regarding midway termination involves complex derivative calculations
and risks. If the market price is not in favor of the transaction for the Customer, he/she will bear huge transaction losses. In
the worst case, there is no upper limit to the possible loss.</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Swap Transaction Risk</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify">Swap means that the Customer agrees to undertake <B>a single or a series of transaction(s) that
swap(s) an underlying asset for another</B> within a certain period in the future. The swappable underlying assets include foreign
exchanges, interest rates, credit defaults, and raw materials, etc. The Customer will face the price risk arising from changes
in the prices of the market underlying assets after undertaking such transactions. With the passage of time, this swap transaction
may result in a loss without an upper limit due to a drastically changing market.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify"><B>Liquidity risk, transaction suspension or restriction: </B>market conditions (such as Currency,
credit, target bonds cannot be circulated) and/or some market regulation (such as transactions are suspended for any Currency,
raw material or rate underlying due to the price restriction, government intervention or interruption of the trading system) may
lead to difficulties in or inability to completing/complete transactions or closing/close positions. If such a situation occurs
after the Customer undertakes a swap transaction, the risk of loss to the Customer may increase.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Other Financial Transaction risks</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Spot, Forward, Forward Rate Agreement,
Interest Rate Swap, Currency Swap, Cross Currency Swap, Credit Derivatives, Equity Derivatives, ECB/CB asset swap, Commodity Derivatives
and other financial product transactions are also involved with or based on interest rate, exchange rate, Currency, securities,
products, credit and/or other assets. Content above does not cover all kinds of Financial Transactions and their risks, and it
does not mean that there are no risks for the uncovered Financial Transactions. Therefore, the Customer shall still, in its sole
discretion, decide the Financial Transactions to be made and assess their risks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Risks of RMB financial derivatives (Structured
Product included) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">When making the transaction with the RMB
financial derivatives involved, in addition to the underlying asset risks and the various secondary-risk portfolios from the financial
derivatives, the Customer might also be at the following risks when dealing with this kind of transaction since now the RMB is
still subject to the relevant regulations of the Republic of China and Mainland China:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify">The Customer shall fully understand the risk that the transaction will also be affected by other
factors in addition to the market when involved with RMB financial derivatives and shall fully understand the valuation results:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30.45pt"></TD><TD STYLE="width: 18pt">(1)</TD><TD STYLE="text-align: justify">In addition to the effect of general market fluctuation factors, the transaction involved with
RMB financial derivatives is also subject to the law or policy changes in Mainland China or other regions; or the supply and demand
of RMB funds in the market may be affected due to the limitation of the RMB clearing service, leading to a greater fluctuation
range of the exchange rate, interest rate or other related underlying asset, which will affect the profit and loss on the transaction
gains, as well as the market price assessment.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30.45pt"></TD><TD STYLE="width: 18pt">(2)</TD><TD STYLE="text-align: justify">When the Customer makes the transaction involved with RMB, the attainability, liquidity and transferability
of RMB might be affected due to the RMB clearing service, non-public market transactions or special circumstances, which then will
further cause the greater transaction risks or the valuation of loss.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify">The Customer shall fully understand that the buy/sell or clearing and settlement of RMB will be
subject to the relevant regulations:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 28.35pt"></TD><TD STYLE="width: 21.3pt">(1)</TD><TD STYLE="text-align: justify">Different from the other foreign currencies, the buy/sell limit of RMB shall be in accordance with
the relevant regulations regarding the Foreign Currency transaction. In the event that the Customer receives and pays in RMB for
the financial derivatives, the buy/sell limit of RMB, time period and related procedures shall be aware of.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 28.35pt"></TD><TD STYLE="width: 21.3pt">(2)</TD><TD STYLE="text-align: justify">The RMB assets and debts originally possessed by the Customer or his/her receipt and payment obligations
arisen from the transactions might be under the influence of the supply and demand of the RMB funds in the market due to the subject
to law or policy changes or the limitation of the RMB clearing service, which then will affect the clearing and settlement of the
relevant transactions. Although the Bank has conducted the follow-up work to the already accepted RMB cases, it shall dedicate
itself to search for other solutions and methods. However, if necessary, it is possible for the Bank to use another Currency for
clearing and settlement according to the market exchange rate at that time.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: justify">The Customer shall fully understand that the RMB exchange rate and other price may apply to the
underlying assets in different markets, which will affect the clearing and settlement of the transactions, as well as market price
assessment result:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">RMB exchange rate is currently categorized
into the RMB exchange rate in the mainland China and the RMB exchange rate out of the mainland China, and there might also be many
exchange rate indicators for the latter with their respective transaction markets. Different exchange rate indicators might derive
the interest rate or other related underlying assets that applies to different circumstances. Aforementioned indicators might be
more similar or dissimilar due to the market liquidity and other factors, which affects the price of the applicable underlying
assets derived from them. The financial derivatives, clearing and settlement, and the market price assessment of different exchange
rates or underlying assets are based on the different situation, each item is in accordance with its respective content in the
agreed contract. The Customer shall fully understand the applicable exchange rate, interest rate, and the price of related underlying
assets for the transaction, and shall, in its sole discretion, evaluate the derived transaction risks and losses before making
the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The description and risk disclosure
statement and advance notice for the above financial derivatives did not cover all the risks and related considerations for all
financial product transactions, and it does not mean that there are no risks for the uncovered financial product transactions included
in the Customer's transactions. Therefore, if the Customer is not fully aware of all risks of this type of transaction and has
not decided the applicability in its sole discretion, they shall not make this type of transaction, and is recommended to actually
complete financial planning and risk assessment before the transaction, in order to avoid unbearable losses arisen from it.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Customer has carefully read through
this &quot;Description, Risks Disclosure Statement and Advance Notice of Financial Derivatives&quot;, and confirms to have fully
understand general risks for engaging in transactions described here, and agrees to assume risks of related investment and be liable
for losses resulted from transactions. The Customer hereby declares that he/her has already acquired a copy of this document.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Kind Regards</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin International Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Representative:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: July 23, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Appendix 2</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Power of Attorney for Authorized Transaction
Personnel and Authorized Confirmation Personnel (Confirmation Seals and Signatures)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">To: Taishin International Bank (hereinafter
referred to as &quot;the Bank&quot;) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Date: <U>July 23, 2019</U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">With respect to each transaction and relevant
stated matters involved in &quot;General Agreement for Financial Transaction&quot; signed between the Drafter of Power of Attorney
and the Bank, the Drafter of Power of Attorney hereby authorizes the following authorized transaction personnel as his/her agents,
and any of such persons are authorized to propose a transaction request to the Bank, complete a transaction or perform the relevant
instructions via oral, written or other agreed forms on behalf of the Drafter; In addition, the following authorized confirmation
personnel and the seals and signatures on file (i.e. confirmation seals and signatures) are authorized to confirm each Financial
Transaction agreed by the Bank on behalf of the Drafter of Power of Attorney. This Power of Attorney remains valid until the Bank
confirms to receive the original copy of the written amendment notice from the Drafter of Power of Attorney.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>In addition, the Drafter of Power of
Attorney acknowledges and promises that authorized transaction personnel and authorized confirmation personnel for a transaction
may not be the same person, which shall be managed by the Drafter on their own. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Authorized transaction personnel</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; border: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authorized transaction personnel</FONT></TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name</FONT></TD>
    <TD STYLE="width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD>
    <TD STYLE="width: 28%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seals and signatures</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction personnel 1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CHOU,HUI-YING</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Administrator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CHOU,HUI-YING</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction personnel 2</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LIN,WEI-CHEN</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Administrator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LIN,WEI-CHEN</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction personnel 3</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction personnel 4</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Authorized confirmation personnel and
their confirmation</B></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify">Confirmation personnel of the Bank and any confirmation personnel appointed by the Drafter of Power
of Attorney may confirm a transaction in advance on the phone on the transaction day. If no confirmation personnel is appointed
by the Drafter, the Bank shall not confirm the transaction on the phone, and shall perform the Transaction Confirmation only by
confirming the seals and signatures instead:</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%; border: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authorized confirmation personnel</FONT></TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name</FONT></TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Phone number</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confirmation personnel 1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CHENG,CHING-YING</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section Manager</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(02)8227-9189 #5802</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confirmation personnel <I>2</I></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LI,HSIAO-LAN</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section Manager</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(02)8227-9189 #5806</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confirmation personnel 3</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">TSAI,JUI-LUNG</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Department Manager</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(02)8227-9189 #5801</FONT></TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify">Delivery details for Power of Attorney and market value assessment report</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24%; border: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recipient Name</FONT></TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD>
    <TD STYLE="width: 23%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Phone number</FONT></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fax number</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CHOU,HUI-YING</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Administrator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(02)8227-9189 #5810</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(02)2601-9995</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LIN,WEI-CHEN</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Administrator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(02)8227-9189 #5807</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(02)2601-9995</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Email:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Winny_Chou@aoi.com.tw</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Julia_Lin@aoi.com.tw</P></TD>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Delivery address:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">No.18, Gong 4th Rd., Gong&rsquo;er Industrial
        Park, Linkou Dist., New Taipei City 24452, Taiwan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
</TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: justify">Official written confirmation is the Transaction Confirmation issued by the Bank in accordance
with the provisions in General Agreement for Financial Transaction, stamped and sealed with following confirmation seals and signatures
by the Drafter of Power of Attorney:</TD></TR></TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 60%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; text-align: justify; padding-bottom: 20pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Confirmation Seals and Signatures</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Drafter of Power of Attorney:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Representative:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Address:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>This column is used for review by Taishin International Bank</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 20%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Supervisor</FONT></TD>
    <TD STYLE="width: 20%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Responsible person</FONT></TD>
    <TD STYLE="width: 20%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Guaranty verification/check seal</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Appendix 3</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Power of Attorney for Authorized Transaction
Personnel and Confirmation Seals (Dedicated for Investment Trust Fund)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">To: Taishin International Bank
(hereinafter referred to as &quot;the Bank&quot;)
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Date: ________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">With respect to each Financial Transaction
between the Bank and &quot; securities investment trust fund&quot; (hereinafter referred to as &quot;the Fund&quot;) raised/privately
offered by &quot; securities investment trust limited liability company&quot; (the drafter of Power of Attorney, hereinafter referred
to as &quot;the Trust Company&quot;) and safekept by &quot; bank limited liability company&quot; (the drafter of Power of Attorney
,hereinafter referred to as &quot;the Custodian Bank&quot;) , the Custodian Bank of drafter acknowledges and agrees that the Trust
Company of the drafter authorizes following authorized transaction personnel as agents, any of whom is authorized to propose a
transaction request to the Bank, complete a transaction or perform relevant instructions regarding the Fund via verbal, written
or other agreed forms on behalf of the drafter. The drafter authorizes following authorized confirmation personnel respectively
to confirm each Financial Transaction, on behalf of the drafter, agreed by the Bank by phone. In addition, the Custodian Bank of
the drafter authorizes following recorded seals and signatures (i.e. confirmation seals and signatures) to be used in written confirmation
of each Financial Transaction agreed by the Fund and the Bank on behalf of the drafter. This Power of Attorney remains valid until
the Bank confirms to receive the original copy of the written amendment notice from the Drafter of Power of Attorney.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>In addition, the Drafter of Power of
Attorney acknowledges and promises that authorized transaction personnel and authorized confirmation personnel for a transaction
may not be the same person, which shall be managed by the Drafter on their own.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Authorized transaction personnel</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; border: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name</FONT></TD>
    <TD STYLE="width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD>
    <TD STYLE="width: 27%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seals and signatures</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction personnel 1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction personnel 2</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transaction personnel 3</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Authorized confirmation personnel and
        their confirmation methods</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        Confirmation personnel of the Bank and any confirmation personnel appointed by the Trust Company may confirm a transaction in advance
        on the phone on the transaction day. If the Custodian Bank also appoints confirmation personnel, the Bank may also separately confirm
        with that confirmation personnel appointed by the Custodian Bank on the phone:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[Confirmation personnel appointed by the Trust Company]</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authorized confirmation personnel</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Phone number</FONT></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confirmation personnel 1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confirmation personnel 2</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="border: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[Confirmation personnel appointed by the Custodian Bank] (the Custodian Bank shall decide for itself whether to appoint anyone)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authorized confirmation personnel</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confirmation personnel 1</FONT></TD>
    <TD STYLE="width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name</FONT></TD>
    <TD STYLE="width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD>
    <TD STYLE="width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Phone number</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Confirmation personnel 2</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify">Delivery methods for Power of Attorney and market price assessment report</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="border: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recipient's name</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title</FONT></TD>
    <TD STYLE="width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Phone number</FONT></TD>
    <TD STYLE="width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fax number</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 20pt; text-align: left">3.</TD><TD STYLE="text-align: justify">Official written confirmation is the Transaction Confirmation
issued by the Bank in accordance with the provisions in General Agreement for Financial Transaction, stamped and sealed with following
confirmation seals and signatures by the Custodian Bank:</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Confirmation seals (dedicated seals for fund special account of the Custodian Bank)</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Drafter of Power of Attorney: Securities
investment trust limited liability company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Representative:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Drafter of Power of Attorney: Bank
limited liability company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Representative:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>This column is used for review by Taishin International Bank</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 20%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Supervisor</FONT></TD>
    <TD STYLE="width: 20%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Responsible person</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: left; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Guaranty verification/check seal</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P>

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<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Appendix 4</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>The Customer Information Confidentiality
Measures of Taishin Financial Holding Co., Ltd. and Its Various Subsidiaries</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Financial Holding Co., Ltd., which
was founded on February 18th, 2002, owns the Bank, security companies and other subsidiaries and provides the customers with one-stop
shopping products and services. Taishin Financial Holding Co., Ltd. and its various subsidiaries will adhere to the strictest security
measures previously adopted by its various subsidiaries for the customer information, and takes the necessary confidentiality measures
to safeguard the information provided by the customers. The Customer Information Confidentiality Measures of Taishin Financial
Holding Co., Ltd. and Its Various Subsidiaries are hereby explained as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer Information Confidentiality
Measures of Taishin Financial Holding Co., Ltd. and Its Various Subsidiaries shall be implemented in compliance with the Financial
Holding Company Act, Financial Holding Company and Subsidiaries of Financial Holding Company Cross-selling Regulations (hereinafter
referred to as &quot;the Cross-selling Regulations&quot;), Personal Information Protection Act (including the Personal Information
Protection Act that has already been amended but yet not promulgated and implemented) and the related laws of the competent authorities.
Also, each subsidiary shall abide by the regulations of other relevant laws (including but not limited to Article 48 Item 2 of
the Banking Law), in order to properly implement the customer information confidentiality measures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>1.</B></TD><TD STYLE="text-align: justify"><B>Customer Information Collection</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each subsidiary of Taishin Financial Holding
Co., Ltd. has your personal information on file, because you have already been a customer of Taishin Financial Holding Co., Ltd.
and its various subsidiaries, or because you have provided your information during marketing activities held by Taishin Financial
Holding Co., Ltd. and its various subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD STYLE="text-align: justify"><B>Store, Safeguard the Customer Information and the Maintenance</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The various subsidiaries of Taishin Financial
Holding Co., Ltd. has taken the strict measures to safeguard the customer information. In addition to the information transmission
by using the existing security encryption methods (such as SSL, SET, etc.) and the creation of the firewalls to prevent hacking
and illegal access to the customer information, customer information databases have also been built in accordance with related
operation standards, and the professional staff haven been appointed to control the access to databases pursuant to business rights
and liabilities, in order to safeguard the personal information of the customers. Anyone without official authorization from any
subsidiaries of Taishin Financial Holding Co., Ltd is strictly prohibited from accessing the customer information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>3.</B></TD><TD STYLE="text-align: justify"><B>Information Classification, Application Scope and Project</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Your personal information includes basic
information, billing information, credit information, investment information, insurance information, and etc. The definition of
all the information is to Article 10 of the Cross-selling Regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">According to the regulations of the competent
authorities and the Cross-selling Regulations, in case of the disclosure, referral or interactive usage of the customer information
between the subsidiaries of Taishin Financial Holding Co., Ltd,, the information being disclosed, referred to or interactively
used shall not contain the transaction information and other relevant information other than the customer's basic information,
unless otherwise stipulated in laws or based on the agreed contract signed by customer or the written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>4.</B></TD><TD STYLE="text-align: justify"><B>Subjects that the Information May Be Disclosed To </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The subsidiaries of Taishin Financial Holding
Co., Ltd. shall disclose, transfer or interactively use your basic information, billing information, credit information, investment
information, insurance information, and etc. for marketing in accordance with the law, agreed contract signed by customer or the
written consent; where a court or other organizations with investigation right pursuant to the law legally request Taishin Financial
Holding Co., Ltd. or its subsidiaries to provide the customer information, Taishin Financial Holding Co., Ltd. or its subsidiaries
are obliged to disclose or provide such relevant information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Where the subsidiaries of Taishin Financial
Holding Co., Ltd. perform the credit investigation for the purpose of the transaction management with Joint Credit Information
Center, the clearing house, or organizations in the same industry, the customer information may be exchanged and disclosed according
to applicable laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>5.</B></TD><TD STYLE="text-align: justify"><B>Intended Use of the Customer Information </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">According to applicable laws and in compliance
with the Article III stated above, your basic information, billing information, credit information, investment information and
insurance information may be disclosed, referred to or interactively used between the subsidiaries of Taishin Financial Holding
Co., Ltd. for marketing, in order to provide you with more integral and convenient investment and finance products and services.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>6.</B></TD><TD STYLE="text-align: justify"><B>Customer Information Confidentiality for Outsourcing Work</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Where the subsidiaries of Taishin Financial
Holding Co., Ltd. entrust other organizations with the work with the customer information involved, the subsidiaries of Taishin
Financial Holding Co., Ltd. must request the entrusted organizations to strictly follow the confidentiality measures of the subsidiaries
of Taishin Financial Holding Co., Ltd., and must request such organizations not to disclose your information to any third party.
In addition, the subsidiaries shall check and supervise the entrusted organizations at any moment for compliance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>7.</B></TD><TD STYLE="text-align: justify"><B>Change and Modification for the Customer Information </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In case of any changes in your personal
information, you can notify the customer service center of the subsidiaries of Taishin Financial Holding Co., Ltd. at any moment
to request for modification or supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><B>8.</B></TD><TD STYLE="text-align: justify"><B>The Customer's Opt-Out Right Exercise </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You can notify the customer service center
of the subsidiaries of Taishin Financial Holding Co., Ltd. at any moment to have the interactive usage of your personal information
for marketing or business promotion activities stopped.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The subsidiaries of Taishin Financial Holding
Co., Ltd. reserve the right to amend the confidentiality measures, and will announce the related information about those measures
on the Internet or other public disclosure channels approved by the competent authorities; the same procedure applies in case of
amendment of those measures. If you have other questions related to confidentiality measures, you can consult with Taishin Financial
Holding Co., Ltd. or its subsidiaries at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The subsidiaries of Taishin Financial Holding
Co., Ltd. currently include:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin International Bank Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Securities Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Financial Insurance Broker Co.,
Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Securities Investment Advisory
(TSIA) Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Securities Investment Trust Co.,
Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Asset Management Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Marketing Consultant Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Venture Capital Investment Co.,
Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In case of any addition to or change of
the above subsidiaries in the future, the relevant information will be announced and disclosed on the official website of Taishin
Financial Holding Co,. Ltd. and its various subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TYPE>EX-2
<SEQUENCE>4
<FILENAME>appliedopto_ex1003.htm
<DESCRIPTION>CREDIT FACILITY AGREEMENT
<TEXT>
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<P STYLE="margin: 0">Exhibit 10.3</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 204pt; width: 222pt"></FONT></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Taishin International Bank</B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Credit Facility Agreement</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 137.25pt">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 16.45pt 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><IMG SRC="image_002.jpg" ALT="" STYLE="height: 28.5pt; width: 460.5pt"></B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>LN-131</B></FONT></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

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<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Credit Facility Agreement</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer of this Agreement (hereinafter
referred to as &quot;the Customer&quot;) hereby has made an agreement with Taishin International Bank (hereinafter referred to
as <B>&quot;the Bank&quot;</B>) on that, for any credit facility transactions made with the Bank now and in the future, if the
total amount of credit granted is within the scope of any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">(1.</FONT><FONT STYLE="font-size: 12pt">&#9633;</FONT><FONT STYLE="font-size: 10pt">
NTD &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Amount); </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">2.</FONT><FONT STYLE="font-size: 12pt">
&#9633;</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">(Currency) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Amount); </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">3. </FONT><FONT STYLE="font-family: Wingdings"><B>&thorn;</B></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif">
NTD 100 million and USD 1 million, the Customer agrees to perform its duties in accordance with the contents of the credits
and the following terms:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 12pt"><B>Chapter
I Common Terms of Credit Facility</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt"><B>1.
All debts mentioned in this Agreement shall refer to the bills, loans, advances, pledges and other related debts etc., and their
interests, deferred interests, liquidated damage, compensation for damages as well as all expenses needed for those liabilities.
If the Customer signs several credit facility agreements successively or simultaneously, the Customer is aware of that the total
amount of his/her liability shall be the sum of the amount and scope of those credit facility agreements.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">2. Calculation
of interests, discount interests, guarantee and service fees, exchange rates, and deferred interests and liquidated damages:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(i) Interests
and repayment method: shall be in accordance with the interest rate, calculation method and repayment method described in the &quot;Loan
Drawdown Application&quot; or other relevant documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(ii) Discount
interests: shall be set by the Bank based on relevant interest rate index of the money market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(iii) Guarantee
and service fees: shall be paid at the rate verified by the Bank in accordance with the Bank's regulations when dealing related
businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(iv) Foreign
exchange rate: in the case of a foreign currency debt, it shall be converted into an amount in NTD at the Bank's board selling
exchange rate on the trading day or the day when the debt occurs. When paying off the debts, the amount of repayment shall be converted
into NTD at the board selling exchange rate on the date of repayment. If the amount of advances paid by the Bank under this Agreement
exceeds the total amount of credit due to changes in exchange rates or other reasons, the excess shall still be paid by the Customer
immediately.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(v) Deferred
interests and liquidated damages: unless otherwise agreed, if the Customer fails to repay the principal under this Agreement, deferred
interests shall be paid at the interest rate of a previously appointed time; and if the Customer has any delay in payment of the
principal or interests, starting from the maturity date of the principal and from the interest paying day, liquidated damages within
less than six months of the overdue time shall be paid at 10% of the above interest rate, liquidated damages that's delayed more
than six months after the due time shall be paid at 20% of the above interest rate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(vi) Liquidated
damages for repayment in advance: When repaying in advance at the agreed interest rate of the money market loan capital cost additional
fixed interest, if the money market capital cost interest rate of a period of the same days from the date of repayment to the original
agreed loan maturity date appointed by the Bank is lower than the original cost interest rate of the original loan on the advance
repayment day, the Customer shall agree to pay the liquidated damages which shall be calculated on the basis of the repayment principal
at the interest rate differential from the date of repayment to the original maturity date of the loan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(vii)
<B>The calculation and payment methods of the interests, discount interests, deferred interests, liquidated damages and others
of NTD loans mentioned in this Agreement are based on an annual interest rate, and the interest calculation shall be on a basis
of a 365-day cycle, which also works for a leap year.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21pt; text-align: justify; text-indent: 0.05pt"><B>The calculation
and payment methods of the interests, discount interests, deferred interests, liquidated damages and others of foreign currency
loan mentioned in this Agreement are based on an annual interest rate, and the interest calculation shall be on a basis of a 365-day
cycle, (applicable currencies are GBP/HKD/SGD/ZAR) or of a 360-day cycle (currencies other than the above-mentioned currencies),
which also works for a leap year.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(viii)
For the calculation of interests, discount interests, guarantee and service fees, etc., as set out in this Agreement, if it fails
to properly reflect the costs of the Bank's acquisition of related funds due to market disruption, the Bank may renegotiate with
the Customer, and shall not be subject to the original loan notice or any other agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21pt; text-align: justify">The money market loan capital
costs mentioned above refers to the loan pricing costs of the Bank's business unit provided by the capital movement unit of the
Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">3. The Customer
agrees that, regardless of the time limit of the claims, for all types of deposits deposited by the Customer in the head office
and branches of the Bank and all claims to the Bank, the right of set-off can be exercised to offset all debts the Customer owed
to the Bank after the Customer has been notified, while all the bank books and credentials issued to the Customer by the Bank shall
be inefficient within the scope of offset. However, provided that there is a prohibition against the offset by law, or that the
Customer has stated that those may not be offset, or that it is on the basis of voluntary service or a payment made by a third
party to the Customer through the Bank for a transaction, the offset shall not be exercised.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">4. When the
Customer pays off the debts or amortizes the debts, the debts of the Customer shall be required to be paid off in the order of
various fees, liquidated damages, interests, deferred interests and principal in accordance with the provisions of Article 323
of the Civil Code. If there is more than one debt and the Customer's payment is insufficient to cover all the debts, the debts
shall be offset in accordance with the provisions of Article 321 or 322 of the Civil Code. However, when the Bank handles its internal
accounting under relevant laws and regulations, the total amount of its claims shall still be calculated in the above order of
compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">5. For any
changes of the name, organization, contents of the corporation article, seal, representatives, limits of the representative's permission,
notice address, etc., or other changes that may affect the Bank's rights and interests, the Customer must immediately notify the
Bank of those in writing. <FONT STYLE="font-weight: normal">If the Customer fails to notify the changes, </FONT>the Customer shall
be liable for any consequent disputes or damages caused to the Bank. If the Customer violates the above notification obligation
of address change, or if <B>the notice of the Bank cannot be served due to causes that are imputed to the Customer, the mailing
and delivery of the last notice address of the Bank shall be deemed to have arrived after a usual postal period.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">6. In the
following cases, all debts of the Customer owed to the Bank (including the guarantee balance that has not yet been reimbursed by
the Bank), shall lose the benefits of the time limit, the Bank may request the Customer to pay off the debts, however, in the exercise
of the acceleration clause in accordance with the causes set forth in sections 6 to 11, the Bank shall notify the Customer in advance
of a reasonable period of time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(i) The
Customer fails to pay off the principal or refuses to accept or pay any debt as agreed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(ii) The Customer
has applied for settlement, adjudication of bankruptcy, or corporation reorganization under the bankruptcy law, or has been informed
by the clearing house of transaction refusal (regardless of whether the transaction relation has been resumed or not), or the Customer's
business has been shut down or the debts are being settled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(iii) The
Customer has the obligation to provide collaterals as agreed yet has failed to provide them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(iv) When
any of his/her heirs declares to be heir in tail or abandons inheritance because of the Customer's death.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(v) The
confiscation of the main property of the Customer for criminal reasons has been declared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(vi) The Customer fails to pay any interests
as agreed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(vii)
When the collaterals are sealed up, or the collaterals are lost and damaged, or the value of the collateral decreases or is insufficient
to pledge the claims, or the guarantor has a bad credit, and the request the Bank made to replace him/her has failed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(viii)
The Customer is under the circumstances of compulsory execution, sequestration, provisional injunction or other property preservation
actions that may put the Bank at risk of being unable to collect compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">(ix) The actual
use of the funds of the Customer's debts to the Bank is not in conformity with the approved use of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.85pt; text-align: justify; text-indent: -21.85pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.85pt; text-align: justify; text-indent: -21.85pt"><B>(x)
Under objective circumstances where major adverse changes occur in management, operation, or financial conditions of the Customer,
the Bank may be at risk of not being fully compensated for the claims.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>(xi)
For credit facility transactions, the statements made or documents (including transaction vouchers and relevant transaction documents)
provided by the Customer are in violation of good faith such as being false or concealed, or has violated this Agreement or the
commitment, or any objective circumstance occurs where other bad credit problems are found.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36.4pt; text-align: justify; text-indent: -36.4pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36.4pt; text-align: justify; text-indent: -36.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>7.
If the Customer is under circumstances that match the causes of Article 6, the Bank may reduce or terminate the approved amount
limit at any time,</B> and if it involves any disputes or expenditures of a third party, the Customer shall be fully responsible
for it; the Bank shall also have the rights to request the Customer to pay off each debt, and dispose the collaterals directly
without notifying the Customer, so as to offset the debts owed to the Bank and all the expenses incurred as a result of the punishment.
If any other assets and property of the Customer are store in <FONT STYLE="font-weight: normal">the Bank, </FONT>the bank shall
have the right to retain them<B>. And if the Bank has difficulty in obtaining funds, thus it has to adjust the date and amount
of the loan, provided that the Bank has charged a commitment fee and have not made the loan, the commitment fee shall be returned
to the Customer in proportion of the amount of the loan not yet transferred</B></FONT><B>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">8. Under circumstances
where the credit facility deeds of the Customer's debts owed to the Bank are lost or damaged, the Customer shall be willing to
make a correction in accordance with the intent of the Bank, or to carry out the debts based on the amount as described in the
copies of the original documents, miniature copies, account books, bookkeeping notes and computer-generated documents that are
kept by the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><FONT STYLE="font-size: 10pt"><B>9.
</B>When the Customer applies for the credit facility service, <B>he/she must issue one or more protest waived as required by the
Bank, and must authorize the Bank to fill in the maturity date of the promissory note, and submit it to the Bank for keeping, and
for serving as a means to pay off the Customer's debts to the Bank with this Agreement as a proof of authorization.</B> If the
Customer fails to perform the terms set out in this Agreement or in other deeds, the Bank may exercise the rights in the instrumental
laws with this promissory note. <B>The Customer also acknowledges that the promissory note delivered to the Bank shall be a means
of compensating the Customer's debts under this Agreement, that is, the so-called indirect payment in Civil Code and shall coexist
with the Customer</B></FONT><B><FONT STYLE="font-size: 12pt">&rsquo;</FONT><FONT STYLE="font-size: 10pt">s debts under this Agreement.</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">10. If all
notes issued, endorsed, accepted or guaranteed by the Customer are not paid, accepted or are not to be prompted or accepted, upon
receipt of the Bank's notice, the Customer must pay off the loan immediately regardless of the situations. For the above unpaid
promissory note, the Customer agrees to waive the Bank's notification obligation set out under Article 89 of the Law of Negotiable
Instruments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">11. The Customer
shall be willing to accept the Bank's supervision over the use of the credit, the audit of business financial affairs, the examination
and supervision of collaterals, and the inspection of relevant account books, statements (including the consolidated financial
statements of related companies), receipts and documents. When the Bank deems it necessary, it may also require the Customer to
fill in and submit the above credit investigation documents on time, or provide an account statement signed by an accountant that
is approved by the Bank, and may request the signing accountant to provide a working paper. However, the Bank does not have the
obligation to monitor, audit, examine, supervise and inspect them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify">The Customer shall be willing
to accept the Joint Credit Information Center (hereinafter referred to as &quot;Joint Credit Information Center&quot;) inspect
relevant account books, statements and receipts and documents. When the Joint Credit Information Center deems it necessary, it
may also require the Customer to fill in and submit the above credit investigation documents on time, or provide an account statement
signed by an accountant that is approved by the Center, and may request the signing accountant to provide a working paper. However,
the Joint Credit Information Center does not have the obligation to inspect them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>12.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt"><B>(i)
The Customer agrees that within the scope of business registration special cases and specific purposes, the information of
the Customer may be collected, processed and used by the Bank, or may be internationally transmitted, or may be provided to a
third party authorized by the Bank for handling its affairs on its behalf, (including but not limited to agencies that are
authorized to conduct market research).</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt"><B>(ii)
When the Bank and other subsidiaries of Taishin Financial Holding Co., Ltd. to which the Bank belongs interactively use the customer
information in compliance with laws and regulations such as the Financial Holding Company Act, Financial Holding Company and Subsidiaries
of Financial Holding Company Cross-selling Regulations and Personal Information Protection Act, except for the name and address,
such information being interactively used must not contain other basic information (including but not limited to information such
as unified ID number, date of birth, age, sex, e-mail, telephone number, occupation) and transaction information on account, credit,
investment, insurance and other information related, unless otherwise stipulated in laws or based on the agreed contract signed
by the Customer or the written consent.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 14.55pt; text-align: justify; text-indent: -14.55pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>(iii)
The Customer  &#9744; agrees&nbsp;&nbsp;&nbsp; </B></FONT><B><FONT STYLE="font-family: Wingdings">&thorn;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">disagrees
&nbsp;&nbsp;&nbsp;to provide other information and transaction information on accounting, credit, investment and insurance besides name
and address to the following subsidiaries of Taishin Financial Holding Co., Ltd., and use the above-mentioned
information interactively in accordance with the foregoing provisions. In case of any addition to or change of the
subsidiaries, the relevant information will be announced and disclosed on the official website of Taishin Financial Holding
Co., Ltd. If the Customer does not tick it, it means that he/she agrees the criteria shall be subject to what indicated in
the Agreement on Interactive Usage of the Customer Information that was signed most recently by the Customer.</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
Financial Holding Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
International Bank Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
Securities Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
Financial Insurance Broker Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
Securities Investment Trust Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
Securities Investment Advisory (TSIA) Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
Asset Management Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 14.55pt"><B>Taishin
Venture Capital Investment Co., Ltd.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Stamp with the reservation seal for this Agreement</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 30pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>(iv)
In case of any changes in the Customer's personal information, he/she can notify the customer service center of the subsidiaries
of Taishin Financial Holding Co., Ltd. at any moment to request for modification or supplement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 0.05pt"><B>The
Customer also can notify the customer service center of the Bank (Tel No. 0800-023-123) at any moment to stop the interactive usage
of the Customer's personal information and cross-selling or business promotion activities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>(v)
The Customer agrees that the Bank can provide the Customer's information to the Joint Credit Information Center to file and use,
and agrees that the Joint Credit Information Center can provide the filed information to other members for reference. And if it
is the case that transfers to the credit guarantee of the middle and small-sized enterprises credit guarantee fund, the Customer
also agrees that the fund queries and uses the Customer's customs declaration document at the Joint Credit Information Center within
the duration of the Customer&rsquo;s debtor-creditor relationship and the business scope defined by the fund&rsquo;s donation charter
due to business needs.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>(vi)
The Customer agrees that the Bank, for specific purpose of the credit assignment, provides the Customer's debt-related information
to the creditor&rsquo;s rights assignee and the person who is in charge of the price identification check for the creditor's right
for filing, but the bank shall urge these information users not to leak such information to third parties in accordance with the
Banking Law, the Personal Information Protection Act and the security stipulations of other relevant laws.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>13.
The Customer knows and agrees that the Bank's accounts collection and payment activities, computer processing activities or other
accompanying activities related to this Agreement (including but not limited to data input, processing and input of the information
systems, development, monitoring and maintenance of the information systems, marketing, form printing, packaging, delivery and
mailing, data storage for forms and vouchers, accounts collection and legal procedures, property valuation business and other outsourced
businesses approved by the competent authority, etc.) can be handled by an appropriate third party, which is entrusted by the Bank
when the Bank deems it necessary, in accordance with the provisions of the competent authority; the Customer agrees that the Bank
can submit the information of the Customer to the third party to undertake the related works.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt"><FONT STYLE="font-size: 10pt">14.
If the Customer is a domestic (legal) person or a foreign (legal) person, and has various debt relationships with the Bank, the
establishment conditions, methods and validity of his/her legal actions are applicable to the laws of the Republic of China. The
Customer fulfills the debt and uses the location of the Bank as the place of performance, all the actions at law that occurred
due to this Agreement, regardless of whether the domicile or nationality of the Bank or the Customer has changed, the Customer
agrees to accept the Taiwan Taipei District Court or N/A District Court as the competent court of first instance of both parties.
If the Customer is a company established outside the Republic of China or does not have a residential address in the Republic of
China, they shall be agreed that the Bank and the competent court may send the relevant legal documents (including any pleadings,
notifications, notice of entry of judgment or other notices) to the address of the Customer</FONT><FONT STYLE="font-size: 12pt">&rsquo;</FONT><FONT STYLE="font-size: 10pt">s
process agent in the Republic of China by mail. The name and residential address of the process agent are detailed in &quot;Other
special provisions&quot; in Chapter IV.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>15.
The Customer agrees that the creditor's rights owned by the Bank against the Customer shall be granted to a trust institution in
accordance with the Article 6 of the Financial Assets Securitization Act and the related laws, and agrees that the Bank shall make
an announcement instead of a notice for such granting or transfer; the Customer also agrees that the bank shall make an announcement
instead of a notification when granting the creditor's rights for the purpose of financial assets securitization. And if the assets
trust or transfer involves a person responsible for the debts, the Customer shall be regarded as acknowledged if they do not object
to it during the period of the Bank's announcement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 29.1pt; text-align: justify; text-indent: -29.1pt"><B>16.
The signatures and seals on this Agreement are confirmed by the Customer, and thereafter the transactions between the Customer
and the Bank shall take effect under either the signatures or seals, or seals or signatures style of the agreement transaction
(or authorization) on the Transaction Agreement signed separately with the Bank.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">17. In addition
to the terms of this Agreement and related credit facility deeds, if there is any unaccomplished matter, the Customer is willing
to follow the agreements and various transfer applications <FONT STYLE="font-weight: normal">agreed separately </FONT>with the
Bank, or the &quot;Uniform Customs and Credits&quot;, &quot;Uniform Rules for Collection&quot; and &quot;International Guarantee
Letter Practice&quot; awarded by the International Chamber of Commerce and the terms concluded by the international rules interpreted
by the terms of trade, and agrees that they are part of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Chapter II </B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Special Terms of Individual Credit Facility</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section I (Guarantee) Overdraft</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">18. The Customer
agrees to disburse in accordance with the conditions approved by the Bank and the method of disbursement. If the contract expires
during the overdraft period and the contract facility is not approved by the Bank, the principal and interest shall be paid in
full. Within the agreed period, if the actually used average balance is less than half of the limit, the Customer is willing to
pay the credit facility commitment fee in accordance with the Bank regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section II General (Guarantee) Loan</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">19. The
Customer shall pay off the loan according to the agreed repayment method.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section III Advancing domestic fare
and discount</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(I) Common Terms</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.85pt; text-align: justify; text-indent: -21.85pt"><B>20.
The Customer hereby expressly declares that if the Customer provide the bills to borrow or discount from the Bank, whether or not
it is defective for the bills, causing the Bank suffers damage, the Customer is willing to abandon the benefits of the time limit
to pay off all debts in a timely manner and to compensate the Bank for damages. The refusal to pay off and compensate shall not
be made on the pretext of the defect of the bills, or the incompleteness of the legal procedure notice, or the statute of limitations.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(II</B>) <B>Special terms and conditions
for domestic fare advanced</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt"><FONT STYLE="font-size: 10pt">21.
The Customer should issue &ldquo;Loan Drawdown Application&rdquo;, &ldquo;list of ticket receivable&rdquo; and provide ticket receivable
approved by the bank when reusing the fare quota approved by the bank during the specified period of time, and request the bank
to appropriate funds once for all or by time within the quota range verified and approved by the bank. The exchange gain of the
ticket receivable at maturity is deposited with &ldquo;special account for compensation of domestic fare advanced&rdquo;; and
it is agreed that:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">a. The bank is authorized, depending on
its authorized signatory&rsquo;s seal, to draw money from this special account at any time to compensate all debts that the Customer
owes the bank, and uses this agreement as the proof of the authorization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">b. The Customer may not break into the
savings in the special account without the consent of the bank; and the account does not provide a passbook except providing a
bank statement at the request of the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(III) Special terms and conditions for
discount</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">22. The
Customer agrees with the bank that the Customer can request the bank, depending on the note approved by the bank, to discount within
the limit approved by the bank; and the Customer should pay off the discount funds by the deadline when the discount note expires
or when the Customer receives the notice of payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21pt; text-align: justify; text-indent: -21pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21pt; text-align: justify; text-indent: -21pt">23. <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the debt arising from the discount that the Customer applies for according to this agreement, although its amortization
period is after the period of the request of the discount according to the record of the discount note, the Customer should
still be liable for satisfaction according to the regulation of this agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section IV Authorized acceptance</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">24. The
Customer agrees with the bank that the Customer can issue drafts within the conditions approved by the bank and ask the bank for
acceptance, and the maximum duration from the acceptance date to the due date for the drafts for which acceptance is applied is
discussed separately by both parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section V Authorized guarantee</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">25. The
amount of money, time limit, content and so on of the items guaranteed by the bank on behalf of the Customer (appointer) are subject
to the guarantee document issued by the bank. However, when the actual tax amount payable calculated by the Tax Collection Office
exceeds the original guarantee amount, the Customer should agree to adjust the total guarantee amount at any time and bear the
responsibilities of paying for all tax amount payable and late fees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.85pt; text-align: justify; text-indent: -21.85pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.85pt; text-align: justify; text-indent: -21.85pt"><FONT STYLE="font-size: 10pt"><B>26.
</B>The duration of the quota is from the date of contract to the date when the Customer pays off all payables of the items guaranteed
by the bank. <B>In addition, the Customer promises to pay cash immediately according to the balance that should be paid when the
guaranty liability is not discharged to the bank as the provisional disbursement when any situation in the article VI happens,
and if there is a balance left after discharging of the bank</B></FONT><B><FONT STYLE="font-size: 12pt">&rsquo;</FONT><FONT STYLE="font-size: 10pt">s
guarantee liability, this balance should be returned by the bank without interest.</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">27. The
Customer should pay the guarantee commission to the bank and pay in full in the agreed payment method, and if the tax payable exceeds
the original bonded amount because of the actual tax payable calculated by the Tax Collection Office, the Customer should pay the
extra differentials of the guarantee commission. When the items guaranteed by the bank on behalf of the Customer expires and the
Customer requests for facility and the bank renews the guarantee, the Customer should pay the deferred guarantee commission according
to the regulation of the bank. However, if the duration of guarantee period is shortened, the Customer may not request a return
of the paid fees. For postage and other charges (if any), the Customer should pay them separately.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">28.
When the items guaranteed by the bank on behalf of the Customer expires, the Customer should carry out these items on time and
inform the bank at any time by post of the disposal situation, and at that time, if the guarantee payment is paid by the bank because
of the failure of the carrying out of the items by the Customer due to the Customer</FONT><FONT STYLE="font-size: 12pt">&rsquo;</FONT><FONT STYLE="font-size: 10pt">s
delay, the Customer should pay the interest and penalty generated from the date when the bank pays the guarantee payment to the
date when the Customer pays off to the bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">29. When
the guarantee amount is counted by foreign currencies, the risk of the changes in exchange rate is borne wholly by the Customer.
And if the bank suffers a loss due to the changes in exchange rate of the foreign currencies, the Customer would bear all responsibilities
of compensation. Unless otherwise agreed, the foreign currency amount guaranteed in this contract is calculated by the highest
exchange rate during the guarantee period or decided by the bank when converting to the NTD.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">30. When
the Customer fails to fulfill the items agreed with the third party creditor, the bank can perform the guarantor liabilities directly
and unconditionally based on the letter of guarantee <FONT STYLE="font-weight: normal">issued</FONT> by this contract once the
third party creditor notice the bank, in written form, fulfill the guaranty liability. The Customer neither can claim for liability
exemption based on the defenses between the Customer and the third party creditor or any third party, nor can claim for liability
exemption for the reason of force majeure circumstances (such as natural disaster, earthquake, war and so on) or for any other
reasons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section VI </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Issuing letter of credit and import
financing</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(I) Common Terms</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">31. For
the draft issued by the domestic and foreign sight letter of credit and usance letter of credit (hereinafter referred to as letter
of credit) under this agreement, the Customer should still be liable for satisfaction although the expiring date of the draft is
after the duration verified and approved by the bank; and when applying to the bank for issuing letter of credit, the Customer
should check and submit the transfer application and the relevant documents required by the bank, and apply to the bank for making
advances. The Customer is willing to pay off every debt according to the regulations of this agreement, and will take no exception
to it for the reasons of application for issuing letter of credit or for other reasons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">32. When
applying to the bank for issuing letter of credit, the Customer recognizes that each sum of money listed in the transfer application
and its interest and all expenses are the sum of money of the payment or advance guaranteed by the bank on behalf of the Customer
(if the Customer has self-prepared margin, they are the differentials after deducting of the margin), and agrees to authorize the
bank to pay the fare of the draft under each letter of credit with the relevant documents (such as the transfer application and
(or) the draft under its letter of credit) as credentials. The Customer is willing to pay off every debt mentioned above according
to the regulations of this agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">33. The
Customer acknowledges and agrees that if the drafts and the relevant documents mentioned under the Letter of Credit in this Agreement,
on the surface, are considered to be complied with the terms of the Letter of Credit and honored by the Bank after review, the
Customer shall pay the relevant amount to the Bank on the Settlement Day. If the Customer does not pay off or deposit the fare
within the time limit for repayment, according to this Agreement, the deferred interests and liquidated damages shall be calculated
from the date of disbursements or the expiring date of the drafts, and shall be paid. Even though or if the drafts and relevant
documents mentioned above are proved to be untrue, or counterfeit and altered, or flawed afterwards (including the situations such
as the actual quality and quantity of the goods are inconsistent with the related description on the documents), the Bank shall
not be liable for all of it, and the Customer shall never refuse to pay off for any reasons. The Customer shall still take the
responsibility to pay off the advance payment made by the Bank, the principal and interest on the loan, as well as all expenses
originated from it according to the provisions of this Agreement. If there are any benefit-related damages caused to the Bank,
the Customer shall still be liable for them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">34. For
the goods purchased with the advance payment or the loan, (including the goods in transit), if the Bank suffers any loss due to
the default on the contract or delay in delivery by the seller, or there are any other force majeure events, the Customer shall
be responsible for it. If the Letter of Credit expires, the Bank can cancel it directly, and use the refunds of the remittance
to offset the balance of the advance payment and /or the loan made under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">35. When
the goods, specification, unit price, total amount and delivery condition listed on the Import Letter of Credit signed by the Bank
at the request of the Customer, or on the Letter of guarantee for production of bill of lading or the Endorsement of Bill of Lading
stated under Collection are inconsistent with those described in later delivered shipping document, the Customer shall be responsible
for the outstanding balance repayment, acceptance of bill, payment and all other procedures based on the condition listed in the
shipping document delivered to the Bank. If the Bank suffers any losses due to the inconsistency of the contents between the document
signed by the Bank and the documents delivered, the Customer shall take responsibility to make compensation for all the loss. The
contents in that Delivery against Bank Guarantee or that Endorsement of Bill of Lading are deemed as the appendixes of this Agreement,
with which the Customer shall comply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">36. The
Customer agrees to mortgage the purchased material and the collateral provided separately (such as the personal property and real
property) together as the guarantee, and agrees that the Bank shall gain the pledge of rights for all the delivery roof of the
procurements (such as import license and the relevant bills of lading), and the Bank shall gain the Chattel Pledge of the purchased
material once it is delivered. Also, the Customer agrees to purchase the insurance for the material mentioned above, take the Bank
as the primary beneficiary, and use this Agreement as the basis in writing for defining the Pledge.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">37.
In the event that the Customer is unable to repay the advance payment and the loan under each import according to this Agreement,
or the Bank considers that the financial situation of the Customer is getting worse obviously, or the Bank suffers any loss or
has the risk of suffering the loss due to the failure of performing the custom and delivery-related procedures in a timely manner
after the delivery of the shipping document, the advance payment and the loan are deemed as maturity in real time, and the Bank
has the right to choose to request the compensation in NTD based on the exchange rate from the date of delay, and for protecting
the creditor's right, the Bank can make entry and pick up the delivery on behalf of the Customer, and auction, or dispose the imported
goods and other collateral (including disposal method, prices, time and so on) to offset the balance of the principal and interest
on the Bank</FONT><FONT STYLE="font-size: 12pt">&rsquo;</FONT><FONT STYLE="font-size: 10pt">s advance payment, as well as all expenses
and losses originated from the disposal (including the taxes, warehouse rental fee, transport fee and other expenses paid to make
entry and pick up the delivery). If it is still insufficient, the Customer shall be jointly and severally liable for making up
the difference.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">38. For
the goods in each import, the Customer shall obtain the prior consent of the Bank in terms of the insurance types and insurance
conditions in the event that the goods are imported based on <B>F</B>O<B>B</B>, <B>C&amp;F</B> or similar price terms, and the
original copy of the insurance policy and premium receipt shall be given to the Bank for keeping in the event that the proper insurance
is purchased with the Bank being the primary beneficiary, while the expenses required for purchasing the insurance are all borne
by the Customer,. If the Customer delays to arrange the insurance matter or fails to renew the insurance once it expires, the Bank
has the right to handle these procedures on behalf of the Customer, but the Bank has no obligation to have it insured on behalf
of the Customer. If the insurance expenses are paid in advance by the Bank, the Customer shall repay them immediately; if there
is any delay, the Bank may include such fees in the amount of credit and the interest shall be counted according to the provisions
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(II) The Issue of Domestic Letter of
Credit</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">39. In
order to make the purchase within the Republic of China, the Customer needs to request the Bank to issue the domestic sight Letter
of Credit and usance Letter of Credit in a revolving manner within the approved credit limit, and honor the draft with the Bank
being as the drawee, which is signed and issued by the beneficiary (specified in the Letter of Credit) according to the provisions
of the above Letters of Credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">40. Unless
otherwise agreed, if the Customer delays to repay the advance payment and the principal and interest on the loan under each Letter
of Credit, he or she is willing to pay the deferred interests and liquidated damages that shall be calculated based on the prime
lending rate set by the Bank on the date of disbursements plus the annual percentage rate of 2.25%, starting from the date of disbursements
or the date of repayment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(III) The Issue of Foreign Letter of
Credit</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">41. In
order to apply for the exchange settlement in the Bank for the overseas purchase now or in the future, hereby based on the proportion
of the approved limit by the Bank, the Customer prepares the security deposit by themselves according to the contract and requests
the Bank to issue the Letter of Credit and pay the foreign currency loan in advance in a revolving manner (hereinafter referred
to as the advance payment) within the approved credit limit, or accept the Delivery against Bank Guarantee/Endorsement of Bill
of Lading, while the Bank agrees to use foreign currency to make the advance payment or include this payment converted as NTD
into the Customer's loan account and have it transferred to repay the advance payment mentioned above when the relevant documents
received.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">42. The
Customer agrees that, the Bank shall advance or (and) accept the Letter of Credit issued for his/her application in accordance
with relevant laws and regulations and conventional practices, by this time, the Customer shall submit the documents required and
the agreed import license (if any) to the Bank as stipulated in the transfer application, and the Customer shall also be willing
to use the shipping documents and goods under each Letter of Credit as the guarantee for the Bank's advances and/or loans under
that Letter of Credit, and this Agreement shall be used as a proof of collaterals provided and the advances or loans of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">43. Upon
arrival of the shipping documents under each Letter of Credit and after a notice (written or verbal) has been given by the Bank,
the Customer shall pay or accept the fare of the draft under each Letter of Credit within the reasonable liquidation period stipulated
in the &quot;Uniform Customs and Credits&quot;; however, if the Bank has advanced the fare first, the Customer shall pay off each
advance within ten days after the Bank has issued a notice (written or verbal) and pay the interests and related expenses, and
shall conduct the exchange settlement based on the spot foreign exchange selling rate set by the Bank on the day of repayment,
or repay them with its own foreign exchange funds.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.25pt; text-align: justify">Under any one of the following
circumstances, the method of paying off shall be as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.25pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(i) If
the goods are delivered under the Letter of Credit at sight, and the shipping documents have not been delivered up to the point
where shipping guarantee needs to be applied, the Customer shall be willing to pay off immediately, and the same shall apply in
case that the Customer applies for an endorsement of sub-bill of lading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(ii) In
the event of partial shipments of the goods, the amounts of the partial shipments shall be repaid in advance on the basis of the
proportion of the amount of the Letter of Credit and/or the advances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(iii)
If the shipping documents are delivered only after the expiry of the validity period of the Letter of Credit, and meet the requirements
at the time of handling documentary bills, the Customer shall be willing to pay off immediately.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">(iv) With
the Bank's approval to change the loan to other foreign currency loan or NTD loan, the relevant regulations of the Bank regarding
foreign currency loans or NTD loans must be followed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">44. The
period of advance or acceptance under each Letter of Credit must not exceed the maximum number of days approved by the Bank, and
the date of repayment of each debt shall be determined on the maturity date of each draft or on the maturity date notified by the
Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">45. For
each advance and loan under this credit facility, if they are repaid within the time limit of liquidation set out in the preceding
article, interests for the portion of NTD and foreign currency advances shall be calculated at the loan interest rate agreed by
the Bank from the actual date of disbursements (that is the debit date of the Bank's deposit counterpart for a Letter of Credit
with an authorized debit clause; and the date when the Bank makes the account and sends the payment message for a Letter of Credit
without an authorized debit clause) of the Bank to the date of repayment set forth in the preceding article.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">46. When
the Customer defers repayment of the advances or the principal and interest of the loan under each Letter of Credit, he or she
shall be willing to pay deferred interests and liquidated damages as agreed at the foreign currency lending rate shown on the Bank's
bulletin board at that time, starting from the date of disbursements or the date of repayment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">47. If
the Customer fails to repay this loan within the agreed time limit, the Bank may directly convert the debt to a NTD loan, and the
Customer shall have no objection to the preceding exchange date, exchange rate amount, interest rate, etc. However, the Bank has
no obligation to do the conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">48. Relevant
clauses in this Agreement shall also apply to the letter of credit financing issued by the Bank that is entrusted by the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">49. Due
to causes and factors that are not imputable to the Bank, errors or delays occur when a communication agency is delivering the
Letter of Credit of this Agreement, or technical terminological interpretation errors occur, and all or part of the documents,
or goods or the quality, quantity or value of the goods written in the documents are lost, damaged or delayed, or have not arrived
at the place of delivery, and the goods are lost or damaged whether in transit or after the delivery as a result of not purchasing
insurance, insufficient insurance coverage, or any third party's blockage or detention and other factors, the Bank shall not be
liable for any of those. Under any of the above circumstances, the amount of the Letter of Credit shall still be paid in full by
the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(VI) Import Collection Financing</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">50. The
Customer acknowledges that the amount stated in each transfer application and its interests and all expenses incurred are the amount
of the payment or advance guaranteed by the Bank on behalf of the Customer, and agrees to authorize the Bank to pay the fare of
the draft or O/A under each D/A or D/P with the transfer application and/or relevant documents as credentials. The Customer shall
be willing to pay off every debt arising from the above application for import collection financing in accordance with the provisions
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">51. If the Customer applies
import collection D/A or D/P, or shipping guarantee or endorsement of sub-bill of lading under the import collection, or O/A for
convenience of present or future exchange settlement transactions at the Bank to purchase goods from abroad, the Bank may approve
foreign currency advances, or direct accounting of the NTD loan and repayment of the above advances through transfer upon arrival
of the documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">52. The Customer agrees that
the Bank shall advance or (and) accept the foreign import collection payment for goods in accordance with relevant laws and regulations
and conventional practices, and the Customer must submit the documents required and the agreed import license (if any) to the Bank
as stipulated in the transfer application, and the Customer shall also be willing to use the shipping documents and goods under
each import collection as the guarantee for the Bank's advances and/or loans under that import collection, and this Agreement shall
be used as a proof of the collaterals provided and the advances or loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">53. When
the Customer imports goods and materials by way of import collection, with the consent of the Bank, the Customer may apply for
shipping guarantee or endorsement of sub-bill of lading to the Bank within the agreed amount limit, and when transferring each
time, the Customer must provide the shipping guarantee or endorsement of sub-bill of lading applications and the relevant documents
required by the Bank. The Customer acknowledges that, according to the contents of each application and the amount and terms agreed
in relevant deeds and documents, he/she shall be liable for the damages to the Bank until the Customer completes the bill acceptance
or payment when the foreign documents are delivered to the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Section
VII Outward Bill and Export Finance </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(I) Outward Bill</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">54. Since
the date of this Agreement is signed, any terms stipulated in this section shall apply to the documentary draft(s) and/or receipt(s)
issued or endorsed by the Customer, whether the negotiation or discount to the Bank is made directly by the Customer or through
other people, it should be the same, unless required by the Bank, there is no need to re-enter this Agreement for each negotiation
or discount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">55. The
Customer is willing to provide the shipping documents (they are used to apply to the Bank for negotiation or discount) and the
relevant goods to the Bank as collateral, in order to guarantee the amount of money, interest and any related charges in the documentary
draft(s) and/or receipt(s) issued or endorsed by the Customer of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">56.
The Customer acknowledges that the negotiation or discount made by the Bank against the Customer is an advance rather than a buyout,
and the Bank reserves the right to claim to a restitution at any time. After the documentary draft(s) and/or receipt(s) are negotiated
or discounted by the Bank, if the draft and/or subsidiary documents were not in conformity with the conditions set out in the
letter of credit, or due to any other reason, the discount or correspondent bank of the Bank refused to deal with the documentary
draft(s) and/or receipt(s), or the bank issued the letter of credit refused payment, or the other party rejected the goods due
to the quality and quantity of the goods are found to be different on delivery or other occasions, or any other reason, the Customer
shall take full responsibility, upon the Bank&rsquo;s notice, the Customer shall immediately reimburse the Bank the amount of
money, interest (The interest rate is subject to the foreign currency borrowing rate of the Bank on the date of negotiation) and
any other accompanying fees of the draft. And the Customer still authorizes the Bank, if the Bank or the Bank&rsquo;s correspondent bank
deems it necessary, the Bank may present a guarantee to the bank issued or accepted the letter of credit without noticing the
Customer, and the Customer shall take full responsibility for the guarantee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">57. If
any bank (the bank issued, accepted, conformed the letter of credit, drawee bank and so on) related to the letter of credit is
declared bankruptcy, seizure, provisional attachment, provisional injunction and auction due to insolvency, or when it is filling
for bankruptcy or settlement, the Customer shall immediately reimburse the Bank the amount of money, interest and any other accompanying
fees of the negotiation or discount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">58.
The Customer authorizes the Bank or the Bank&rsquo;s correspondent bank to send documentary bill(s) and/or receipt(s) by any means that
the Bank or the Bank&rsquo;s correspondent bank deems appropriate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">59. If
documentary bill(s) and/or receipt(s) is damaged or lost in delivery, or is deemed damaged or lost, or is wrongly delivered, etc.,
causing delay in delivery to the place of payment. Upon the Bank&rsquo;s notice, the Customer shall provide the Bank the documentary
bill(s) and/or receipt(s) again according to the records retained by the Bank, or immediately reimburse the Bank the amount of
money, interest and any other accompanying fees of the negotiation or discount according to the Bank&rsquo;s instructions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">60. If
the documentary bill cannot be accepted by the payer, or cannot be paid by the payer or the acceptor due to foreign intervention,
or the draft is unable to pay, or the remittance cannot be remitted to the Bank, because of the local laws and regulations or any
other reason, whether the draft and/or subsidiary documents are returned or not, the Customer agrees to provide the collateral
upon the Bank&rsquo;s notice that it must increase the collateral. Otherwise, the Customer is willing to immediately reimburse
the amount of money, interest and any other accompanying fees of the draft without objection.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">61.
If the creditor&rsquo;s rights of the draft is not established due to the documentary bill lacks of essential items that it should
have, or the creditor&rsquo;s rights of the draft is eliminated due to aging or lack of formalities, the Customer is still willing to
reimburse the Bank the face amount of the draft, together with the interest accrued before or after the expiry of the draft, and
all accompanying fees.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">62. In
the event of any damage to the Bank due to defects in draft and/or subsidiary documents, the Customer is willing to reimburse for
any damages the Bank suffers for any reason.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">63. The
Bank does not have the responsibility to identify the authenticity of the seal, signature and text written by the Customer on the
draft or any other documents. If the seal, signature or text is forged, altered or stolen, the Customer is still willing to reimburse
for any damages the Bank suffers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">64.
The Customer authorizes the Bank, or any of the Bank&rsquo;s managers, or agents, or draft and/or receipts holders to (but not necessarily)
insure all insurance against the collateral of the draft and/or receipts, including robbery, shore fires, etc. All insurance premiums
and related expenses can be added to the draft amount, which will be borne by the Customer. In addition, the Bank has the priority
of compensation for the draft and/or receipts, the collateral, together with the above fees, and may directly dispose of the collateral
to cover the Bank&rsquo;s creditor&rsquo;s rights, other related expenses, or the fees related to insurance which are paid by
other third parties, without affect the Bank&rsquo;s right to request other draft debtors. Also, the bank may sell some of the
collateral to cover the necessary freight, premiums and other expenses. At the same time, the Bank may represent the Customer
to handle all necessary incidents and charge for this service. If the Bank does not object to the specified wharf or warehouse,
the Customer shall transfer the goods to a public or private wharf or warehouse in accordance with the instructions of the payer
or the acceptor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">65.
The Customer authorizes the Bank, or any of the Bank&rsquo;s managers, or agents, or draft and/or receipts holders to accept the
conditional acceptance of the payer, and after payment of the draft on the maturity date, he/she may hand over the subsidiary
documents that are accompanied by the draft as guarantees to the payer or the acceptor. Such authorization may also apply to participation
in acceptance.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">66. The
Customer authorizes the Bank to deliver the goods to anyone in batches at any time before the maturity of the draft if it is deemed
appropriate by the Bank, acceptor, or its representative (but it's not mandatory). When all or part of the goods are delivered,
an appropriate amount of money shall be charged, which shall be in a reasonable proportion to the value of the goods listed on
the invoice or to the amount of money written in the guaranteed draft. The interpretation of the corresponding amount of money
above shall be determined by the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">67. The
Customer authorizes the Bank, or any manager or agent of the Bank, or the draft and /or documents holder, and when the draft is
presented for acceptance but rejected by the acceptor, or when the draft is mature but the payer refuses to pay, the Customer waives
the requirement for a certificate of protest. For the above-mentioned refusal to accept or pay, or the payer's or acceptor's stopping
to pay, declaring bankruptcy, or carrying out liquidation before the maturity of the bill, the Bank may sell all or part of the
collateral of the draft and/or documents in such a way as is deemed appropriate by the Bank or the holder of the draft and/or documents
(whether or not the draft has been conditionally or absolutely accepted by the acceptor), and use the proceeds to pay the bill
and its remittance fee after deducting the service fee and commission. And if there is a balance, the Bank or the holder of the
draft and/or documents may use it to pay off the Customer's other bills (whether or not they are guaranteed), the Customer's borrowings
from the Bank, or other debts that Customer is obligated to pay to the Bank. For the damage or loss of insured goods, the Customer
authorizes the Bank to obtain compensation in accordance with the insurance policy, deduct the service fee, and handle the remaining
net amount of money using the above method, the same as the case of disposing and selling other goods.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">68. Unless
otherwise agreed, the holder of the draft issued by the Customer may exempt from making a certificate of protest when exercising
the right of recourse. Although the Customer waives the requirement for a certificate of protest, the Customer has no objection
if the Bank or the Bank's correspondent bank considers it necessary to have a certificate of protest. Wherever a protest for nonpayment
or nonacceptance is made, it is legal and valid for the Customer and does not require any proof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">69. If
the net proceeds from selling the goods are insufficient to pay the amount written on the draft and /documents (including the exchange
difference under the exchange currency rate at that time), the Bank, any manager or agent of the Bank, or the draft and/or documents
holder are hereby authorized to issue a draft to the Customer to obtain compensation for the insufficient amount, without affecting
the right to press for the insufficient amount from other endorsers. And the Customer agrees that the bill presented by the Bank
or the holder of the draft and/or documents is the evidence of the sale of the goods and the evidence of the loss. The Customer
shall promptly pay when the draft presented.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">70. Regardless
of the occurrence of the sale of goods, the Bank, any manager or agent of the Bank, or the draft and/or documents holder are hereby
authorized to accept payment from the payer or acceptor before the maturity of the draft, and deliver the bill of lading and other
shipping documents to the payer or the acceptor after the bill is paid off. If the Bank or the draft and /or documents holder allows
paying in advance, the rebate can be calculated in accordance with the current interest rates at the place where the bill is paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">71. If
the shipping documents will be delivered after the draft is accepted, the Customer authorizes the bank to deliver the shipping
documents which are collateral of the draft to the acceptor after the draft is accepted by the acceptor. In this case, if the draft
is mature and the acceptor does not pay or only partially pay, the Customer shall be responsible for any resulting occurrence.
The Customer shall reimburse the Bank for the entire amount or part of the amount owed by the draft, and the resulting remittance
fee and service fee, and guarantee that the Bank will not suffer any damage as a result, or that the Bank or the draft holder has
the priority to be paid with money of selling the collateral.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">72. If
the draft payer refuses acceptance or payment, or the collateral has arrived at the destination port prior to the maturity of the
draft, the Customer authorizes the Bank or correspondent bank of the Bank to take any measures that the Bank or correspondent bank
of the Bank deem necessary to maintain such goods, such as the unloading, customs declaration, storage, insurance of the draft
collateral. The expenses incurred in taking the above-mentioned measures, as well as any damage caused by the negligence of the
practitioners participating in the unloading, customs declaration, storage, insurance, and wars, natural disasters, or other force
majeure factors shall be borne by the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(II) Export Finance</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">73.
The export financing is limited to support the necessary capital turnover before or after the Customer</FONT><FONT STYLE="font-size: 12pt">&rsquo;</FONT><FONT STYLE="font-size: 10pt">s
export, and the Customer shall export in accordance with the terms and periods in the letter of credit issued by a foreign bank,
signed export contract, export order, or other export documents. If it is time to repay, and the Customer cannot repay with the
foreign exchange from selling the exports, but repays with other income, the originally agreed loan interest rate shall be applied
since the date of the appropriation, except as otherwise agreed between the Customer and the Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">74. The
letter of credit provided by the Customer must meet the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">(I) An irrevocable letter of
credit that determines the Customer as the beneficiary or an irrevocable letter of credit that transfers to the Customer by the
beneficiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">(II) The bank that issued the
letter of credit is recognized by the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">75. The
Customer agrees to deposit the aforementioned letter of credit, export contract, or export order (all including amendments) in
the Bank and to undertake the transaction of outward documentary bills or collection in the Bank. The Customer also authorizes
the Bank to directly compensate for the loan principal and interest as well as all the debts of the Customer at the Bank with the
payments received at the documentary bill date of outward documentary bills and at the notification dates of the entry of the export
collection, inward remittance, and clean collection. This Agreement is used as a proof of authorization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">76. For
the bills, orders, and letters of credit provided by the Customer under this contract, if the payment is received before the expiration
date of the corresponding loan, the Customer agrees that the Bank can directly offset the loan in advance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"><FONT STYLE="font-size: 10pt">77.
If the Customer undertakes the transaction of outward bills in the Bank but the payment is refused abroad, or if payment isn&rsquo;t
received when the export collection expires, or if there are other foreign buyers failing to pay as agreed, the Customer is willing
to pay off immediately without any conditions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section VIII </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Buy Foreign Currency Bills (Or Buy Clean
Bills) </B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">78. In
accordance with the provisions of the &quot;Acquisition and Exchange of Foreign Currency Bills Agreement&quot; and other agreements,
the Customer will request the Bank to buy the foreign currency bills (or buy clean bills) under the conditions approved by the
Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section IX Currency Conversion of Foreign
Currency Loans </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">79. The
Customer applies to convert foreign currency loans in according with the &quot;Application for Currency Conversion in Foreign Exchange
Service&quot;, and agrees to abide by the following terms. If any subsequent dispute or loss is caused by changes in the exchange
rate, it is the sole responsibility of the Customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">80. The
Customer agrees to convert the balance of foreign currency loans into the agreed new currency based on the exchange rate negotiated
with the Bank. In addition, the collateral of the original loan is still the collateral of the converted loan, and the interest
rate calculation method, due date and method of repayment shall be determined according to the original agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">81. The
loan interest before the conversion shall be paid off before the conversion, and the Customer may convert it into NTD for delivery,
according to the spot selling exchange rate shown by the Bank on the clearing day. The Customer agrees to calculate the converted
principal and interest based on the interest rate applicable to the new currency loan negotiated with the bank, and deliver it
to the Bank on the date of payment as originally agreed. If the Customer&rsquo;s payment is delayed, the Bank may collect the liquidated
damages according to the original agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section X Miscellaneous </B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -22.5pt">82. In
the case of other financial products that are not specified in this Agreement, the Customer agrees to enter into related credit
contracts with the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Chapter III Entrusted Debiting and
Withdrawing </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer hereby authorizes the Bank
to directly debit his/her account and transfer all the money he/she owes the Bank listed below to the Bank, with the deposit account
, at branch/department of the Bank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9633; <FONT STYLE="font-size: 10pt">(i)
Loans, advances, bank acceptances, guaranteed principals and interests, liquidated damages, service charges, registered fees and
other related expenses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9633; <FONT STYLE="font-size: 10pt">(ii)
Payments, commissions, service charges, telegram charges and other related expenses for inward/outward documentary bills.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9633; <FONT STYLE="font-size: 10pt">(iii):
The others:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Bank will not be required to make subsequent
collection of the withdrawal slips for the Customer regarding the aforementioned behavior of the Bank's directly debiting and transferring.
The Customer fully acknowledges such withdrawals without any objection, and the deposit balance of the aforementioned account shall
be subject to the balance recorded in the Bank. In the event of any future entanglements, it is understood that the Customer is
solely responsible for such matters, and it has nothing to do with the Bank, and the Customer is willing to abandon all claims.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Chapter IV Other Special Provisions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744;: The name and address of the process
agent referred to in Chapter I Article 14 are:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Kind Regards</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Taishin International Bank</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">The Customer:</TD>
    <TD STYLE="width: 20%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seal checked by:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(Original reservation seal)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Legal representative</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unified number:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The original (copy) of this Agreement <B>&#9745;</B>
has been received</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744; is not required &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;from the
Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">The Customer:</TD>
    <TD STYLE="width: 20%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seal checked by:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(Original reservation seal)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Legal representative</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unified number:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The original (copy) of this Agreement
&#9744; has been received</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744; is not required from the
Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">The Customer:</TD>
    <TD STYLE="width: 20%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seal checked by:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(Original reservation seal)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Legal representative</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unified number:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The original (copy) of this Agreement
&#9744; has been received</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744; is not required from the
Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Responsible Person</FONT></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Reviewer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Supervisor</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: white">The</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: white">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">The Customer:</TD>
    <TD STYLE="width: 20%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seal checked by:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(Original reservation seal)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Legal representative</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unified number:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The original (copy) of this Agreement
&#9744; has been received</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744; is not required from the
Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt">&nbsp;</DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">The Customer:</TD>
    <TD STYLE="width: 20%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seal checked by:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(Original reservation seal)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Legal representative</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unified number:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The original (copy) of this Agreement
&#9744; has been received</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744; is not required from the
Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">The Customer:</TD>
    <TD STYLE="width: 20%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seal checked by:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(Original reservation seal)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Legal representative</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unified number:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The original (copy) of this Agreement
&#9744; has been received</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744; is not required from the
Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Responsible Person</FONT></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Reviewer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Supervisor</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: white">Date:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>July 23, 2019</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt">&nbsp;</DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Power of Attorney</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">I. The drafter of this Power of
Attorney _____________________________ (hereinafter referred to as &quot;the Authorizer&quot;) hereby expressly and
irrevocably authorizes Taishin International Bank Co., Ltd. (that is <U>Taishin</U> Bank, hereinafter referred to as
&quot;the Bank&quot;) that, where the Authorizer, on the basis of an import permit and/or other relevant documents approved
by the Bureau of Foreign Trade or its designated institutions, upon the delivery of all or part of the goods under the Letter
of Credit that is entrusted to be issued by the Bank, if the Authorizer fails to make payments to retire the documents in
respect of each Letter of Credit issued by the Bank, or the Authorizer entrusted the Bank to issue Letters of Credit and all
of them are deemed to have expired in accordance with the agreed claims of the relevant credit facility deeds, the Bank may
apply for approval from the Bureau of Foreign Trade to make custom declaration and take delivery of goods on behalf of the
Authorizer, and may auction or dispose the imported goods freely.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">II. The Authorizer
also earnestly declares that the acts such as custom declaration and taking delivery of goods conducted by the Bank in accordance
with this Power of Attorney can be seen as the acts of the Authorizer, which shall have the binding effectiveness on the Authorizer.</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Kind Regards</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt">&nbsp;</DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Taishin International Bank</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Drafter of Power of Attorney:_________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(Please stamp with the original
reservation seals of the company and the person in charge)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Authorization Date of Power of Attorney:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Responsible Person</FONT></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Reviewer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Supervisor</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Power of Attorney</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">I. The drafter of this Power of
Attorney ________________________________ (hereinafter referred to as &quot;the Authorizer&quot;) hereby expressly and
irrevocably authorizes Taishin International Bank Co., Ltd. (that is <U>Taishin</U> Bank, hereinafter referred to as
&quot;the Bank&quot;) that, where the Authorizer, on the basis of an import permit and/or other relevant documents approved
by the Bureau of Foreign Trade or its designated institutions, upon the delivery of all or part of the goods under the Letter
of Credit that is entrusted to be issued by the Bank, if the Authorizer fails to make payments to retire the documents in
respect of each Letter of Credit issued by the Bank, or the Authorizer entrusted the Bank to issue Letters of Credit and all
of them are deemed to have expired in accordance with the agreed claims of the relevant credit facility deeds, the Bank may
apply for approval from the Bureau of Foreign Trade to make custom declaration and take delivery of goods on behalf of the
Authorizer, and may auction or dispose the imported goods freely.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">II. The Authorizer
also earnestly declares that the acts such as custom declaration and taking delivery of goods conducted by the Bank in accordance
with this Power of Attorney can be seen as the acts of the Authorizer, which shall have the binding effectiveness on the Authorizer.</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Kind Regards</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Taishin International Bank</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Drafter of Power of Attorney: ___________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(Please stamp with the original
reservation seals of the company and the person in charge)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Authorization Date of Power of Attorney:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Responsible Person</FONT></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Reviewer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Supervisor</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2.25in">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Power of Attorney</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">I. The drafter of this Power of Attorney
___________________________ (hereinafter referred to as &quot;the Authorizer&quot;) hereby expressly and irrevocably authorizes
Taishin International Bank Co., Ltd. (that is <U>Taishin</U> Bank, hereinafter referred to as &quot;the Bank&quot;) that, where
the Authorizer, on the basis of an import permit and/or other relevant documents approved by the Bureau of Foreign Trade or its
designated institutions, upon the delivery of all or part of the goods under the Letter of Credit that is entrusted to be issued
by the Bank, if the Authorizer fails to make payments to retire the documents in respect of each Letter of Credit issued by the
Bank, or the Authorizer entrusted the Bank to issue Letters of Credit and all of them are deemed to have expired in accordance
with the agreed claims of the relevant credit facility deeds, the Bank may apply for approval from the Bureau of Foreign Trade
to make custom declaration and take delivery of goods on behalf of the Authorizer, and may auction or dispose the imported goods
freely.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30pt; text-align: justify; text-indent: -30pt">II. The Authorizer
also earnestly declares that the acts such as custom declaration and taking delivery of goods conducted by the Bank in accordance
with this Power of Attorney can be seen as the acts of the Authorizer, which shall have the binding effectiveness on the Authorizer.</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Kind Regards</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Taishin International Bank</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Drafter of Power of Attorney:_________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(Please stamp with the original
reservation seals of the company and the person in charge)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Authorization Date of Power of Attorney:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; border: Black 1pt solid; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Responsible Person</FONT></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Reviewer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Supervisor</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify; padding-bottom: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Taishin Financial Holdings and Its Various
Subsidiaries Confidentiality Measures for Customer Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Taishin Financial
Holding Co., Ltd., which was founded on February 18th, 2002, owns the bank, security companies, investment trust companies and
other subsidiaries and provides the customers with one-stop shopping products and services. Taishin Financial Holding Co., Ltd.
and its various subsidiaries will adhere to the strict security measures previously adopted by its various subsidiaries for the
customer information</FONT>, <FONT STYLE="font-size: 10pt">and takes the necessary confidentiality measures to safeguard the information
provided by the customers. Taishin Financial Holdings Co., Ltd and its various subsidiaries confidentiality measures for customer
information are explained as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Customer Information Confidentiality
Measures of Taishin Financial Holding Co., Ltd. and Its Various Subsidiaries shall be implemented in compliance with the Financial
Holding Company Act, Financial Holding Company and Subsidiaries of Financial Holding Company Cross-selling Regulations (hereinafter
referred to as &quot;the Cross-selling Regulations&quot;), Personal Information Protection Act and the related laws of the competent
authorities. Also, each subsidiary shall abide by the regulations of other relevant laws (including but not limited to Article
48 Item 2 of the Banking Law), in order to properly implement the customer information confidentiality measures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">I. Change and Modification for the Customer
Information</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>In case of any change in personal information
of customers, they may notify the customer service center of subsidiaries of Taishin Financial Holdings Co., Ltd at any moment
to request for modification or supplement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">II. The Customer's Opt-Out Right Exercise</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You can notify the customer service
center of the subsidiaries of Taishin Financial Holding Co., Ltd. at any moment to have the interactive usage of your personal
information for marketing or business promotion activities stopped.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Taishin Financial Holding Co., Ltd.
and its subsidiaries reserve the right to amend the confidentiality measures, and will announce and disclose the related information
about those measures on the Internet or other public disclosure channels approved by the competent authorities; the same procedure
applies in case of amendment. If you have other questions related to confidentiality measures, you can consult with Taishin Financial
Holding Co., Ltd. or its subsidiaries at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The subsidiaries of Taishin Financial Holding
Co., Ltd. currently include:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin International Bank Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Securities Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Financial Insurance Broker Co.,
Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Securities Investment Advisory
(TSIA) Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Securities Investment Trust Co.,
Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Asset Management Co., Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taishin Venture Capital Investment Co.,
Ltd.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In case of any addition to or change of
the above subsidiaries in the future, the relevant information will be announced and disclosed on the official website of Taishin
Financial Holding Co,. Ltd. and its various subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>



<P STYLE="margin: 0"></P>

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</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4
<SEQUENCE>5
<FILENAME>appliedopto_ex1004.htm
<DESCRIPTION>PROMISSORY NOTE
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">Exhibit 10.4</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Promissory Note</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">With this note, a total of NTD 100 million</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">shall be paid unconditionally to
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;or
his/her designated person on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Date)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 63%; padding-right: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">And the related covenants are as follows:</FONT></TD>
    <TD STYLE="width: 37%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Drawer:</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">1.</TD>
    <TD STYLE="padding-right: 10pt; width: 60%">This promissory note authorizes Taishin Bank to fill the maturity date, and exempts it from the obligations of issuing a Certificate of Protest and the notification obligation set out under Article 89 of the Law of Negotiable Instruments</TD>
    <TD STYLE="width: 37%">Address:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.</TD>
    <TD STYLE="padding-right: 10pt">The interest rate of this promissory note shall be calculated as follows from the issuing date of this note:</TD>
    <TD>Drawer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt; text-indent: -10pt">&#9633; The basic lending rate of Taishin Bank and the additional annual percentage rate of
    Interests are counted flexibly.</TD>
    <TD>Address:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt">(If there are any changes or adjustments in the above-mentioned basic lending rate or the additional rate, the interests shall be counted based on the changed or adjusted rate.)</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt; text-indent: -10pt">&#9633; Others: </TD>
    <TD>Drawer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt">If the payment for the principal and interests mentioned above is delayed,&nbsp;</TD>
    <TD>Address:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt">for those delayed part with the overdue time less than six months, liquidated damages shall also be paid with, at 10% of the previously agreed interest rate; for those delayed part with the overdue time more than six months, the liquidated damages shall be paid with, at 20% of the previously agreed interest rate.</TD>
    <TD>Drawer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.</TD>
    <TD STYLE="padding-right: 10pt">Place of payment:
    &nbsp;</TD>
    <TD>Address:</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0">Date: July 23, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 14%; border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorsee</TD>
    <TD STYLE="width: 86%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorser</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorser&rsquo;s<BR>
address</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorsement<BR>
date</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Note:</TD>
    <TD STYLE="border: Black 1pt solid">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The endorser agrees that this promissory note authorizes Taishin
Bank to fill the maturity date and exempts it from the obligations of issuing a Certificate of Protest and the notification obligation
set out under Article 89 of the Law of Negotiable Instruments</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Promissory Note</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">With this note, a total of USD 1 million</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">shall be paid unconditionally to
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;or
his/her designated person on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Date)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 63%; padding-right: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">And the related covenants are as follows:</FONT></TD>
    <TD STYLE="width: 37%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Drawer:</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">1.</TD>
    <TD STYLE="padding-right: 10pt; width: 60%">This promissory note authorizes Taishin Bank to fill the maturity date, and exempts it from the obligations of issuing a Certificate of Protest and the notification obligation set out under Article 89 of the Law of Negotiable Instruments</TD>
    <TD STYLE="width: 37%">Address:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.</TD>
    <TD STYLE="padding-right: 10pt">The interest rate of this promissory note shall be calculated as follows from the issuing date of this note:</TD>
    <TD>Drawer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt; text-indent: -10pt">&#9633; The basic lending rate of Taishin Bank and the additional annual percentage rate of
    Interests are counted flexibly.</TD>
    <TD>Address:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt">(If there are any changes or adjustments in the above-mentioned basic lending rate or the additional rate, the interests shall be counted based on the changed or adjusted rate.)</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt; text-indent: -10pt">&#9633; Others: </TD>
    <TD>Drawer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt">If the payment for the principal and interests mentioned above is delayed,&nbsp;</TD>
    <TD>Address:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 10pt">for those delayed part with the overdue time less than six months, liquidated damages shall also be paid with, at 10% of the previously agreed interest rate; for those delayed part with the overdue time more than six months, the liquidated damages shall be paid with, at 20% of the previously agreed interest rate.</TD>
    <TD>Drawer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.</TD>
    <TD STYLE="padding-right: 10pt">Place of payment:
    &nbsp;</TD>
    <TD>Address:</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0">Date: July 23, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 14%; border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorsee</TD>
    <TD STYLE="width: 86%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorser</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorser&rsquo;s<BR>
address</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Endorsement<BR>
date</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt; padding-left: 3pt">Note:</TD>
    <TD STYLE="border: Black 1pt solid">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The endorser agrees that this promissory note authorizes Taishin
Bank to fill the maturity date and exempts it from the obligations of issuing a Certificate of Protest and the notification obligation
set out under Article 89 of the Law of Negotiable Instruments</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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