The Office of Securities and Exchange Commission of Thailand ("SEC") has the power to order the financial institution to amend, act or refrain from acting in any way to ensure compliance with the Notification of the Capital Market Supervisory Board No. TorThor. 60/2561 re: Rules, Conditions and Procedures for Outsourcing Functions related to Business Operations with Third Parties ("Outsourcing Regulation"), or to order a suspension of the outsourcing to a cloud service provider.

In addition, noncompliance with the Outsourcing Regulation may be subject to a fine not exceeding THB 300,000 (approximately USD 9,000) and a further fine not exceeding THB 10,000 (approximately USD 300) for every day the violation continues.