1.Annualized Percentage Rate ("APR") is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. The APR ranges from 7.43% to 35.05% with repayment period of 6 to 60 months. The example below is for illustrative purpose only. For a loan amount of HKD800,000 with 12 months repayment period with the APR being 7.43%, the total loan repayment amount is HKD831,497.86 (handling fee waived). Please refer to "EleBank Personal Instalment Loan Terms and Conditions" for details. This example and the resulting calculations do not constitute a quote or offer from the Bank and is not binding on the Bank. Approval of the APR is subject to the final decision of the Bank. The offer is subject to limited quota. In case of any dispute, the Bank reserves the right of final decision. The Bank reserves the right to change details (including terms and conditions) under the "Personal Instalment Loan" or to suspend or terminate the "Personal Instalment Loan" at any time in its absolute discretion without prior notice.

2.Loan amount up to 12x of monthly salary or HKD1,000,000 (whichever is lower).

3.According to individual circumstances, the Bank reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to real situation.

Risk Disclosure:

Currency conversion risk – Foreign currency exchange is subject to exchange rate risk. Customers may incur losses due to currency fluctuations at the time of currency conversion. CNY currency risk - CNY is currently not freely convertible and is subject to prevailing regulatory requirements. The actual conversion arrangement will depend on the applicable restrictions at the relevant time.