Hong Kong Finance Group Limited as borrower and Tin Ching Industrial as lender entered into the loan agreement, pursuant to which Tin Ching Industrial agreed to provide the revolving term loan facility up to HKD 50.0 million to Hong Kong Finance Group Limited for the expansion of existing property mortgage business of the group. Interest rate is 1.75% per annum over the Hong Kong Dollar prime rate quoted by DBS Bank (Hong Kong) Limited calculated on the basis of the actual number of days elapsed and a 365-day year.