text: (3) Legal risk 
  The Group is exposed to the risk of entering into a financial 
  agreement which may contain inappropriate terms and conditions as 
  well as the risk that an existing contract may be affected by revisions 
  to 
  laws and regulations. The Company’s Legal 
  Department and Finance Department make every effort to minimize 
  legal risk by reviewing any new agreements of significance and by 
  reviewing the related documents in a centralized way. 
  
  the relevant 