Common use of INFORMATION OF THE GROUP AND THE LENDER Clause in Contracts

INFORMATION OF THE GROUP AND THE LENDER. The Group is a financing service provider in Hong Kong mainly providing secured financing, including pawn loans and mortgage loans under the provisions of the Pawnbrokers Ordinance and the Money Lenders Ordinance. Oi Wah ML, as the lender of the Loan, is an indirect wholly-owned subsidiary of the Company. REASONS FOR THE ENTERING INTO OF THE LOAN AGREEMENT Having taken into account the principal business activities of the Group, the grant of the Loan to the Customer is in the ordinary and usual course of business of the Group. The terms of the Facility Agreement were negotiated on an arm’s length basis between Oi Wah ML and the Customer. The Directors consider that the grant of the Loan is financial assistance provided by the Company within the meaning of the Listing Rules. The Directors are of the view that the terms of the Facility Agreement were entered into on normal commercial terms based on the Company’s credit policy. After having taken into account the satisfactory financial background of the Customer and that a stable revenue and cashflow stream from the interest income is expected, the Directors consider that the terms of the Facility Agreement are fair and reasonable and the entering into of the Facility Agreement is in the interests of the Company and its Shareholders as a whole. LISTING RULES IMPLICATIONS As one or more of the applicable percentage ratios under Rule 14.07 of the Listing Rules in respect of the amount of the Loan exceeds 5% but is less than 25%, the grant of the Loan constitutes a discloseable transaction of the Company and is subject to notification and announcement requirements under Chapter 14 of the Listing Rules.

INFORMATION OF THE GROUP AND THE LENDER. The Group is a financing service provider in Hong Kong mainly providing secured financing, including pawn loans and mortgage loans under the provisions of the Pawnbrokers Ordinance and the Money Lenders Ordinance. Oi Wah MLCL, as the lender of the Loan, is an indirect wholly-owned subsidiary of the Company. REASONS FOR THE ENTERING INTO OF THE LOAN AGREEMENT Having taken into account the principal business activities of the Group, the grant of the Loan to the Customer Customers is in the ordinary and usual course of business of the Group. The terms of the Facility Loan Agreement were negotiated on an arm’s length basis between Oi Wah ML CL and the CustomerCustomers. The Directors consider that the grant of the Loan is financial assistance provided by the Company within the meaning of the Listing Rules. The Directors are of the view that the terms of the Facility Loan Agreement were entered into on normal commercial terms based on the Company’s credit policy. After having taken into account the satisfactory financial background of the Customer Customers and that a stable revenue and cashflow stream from the interest income is expected, the Directors consider that the terms of the Facility Loan Agreement are fair and reasonable and the entering into of the Facility Loan Agreement is in the interests of the Company and its Shareholders shareholders as a whole. LISTING RULES IMPLICATIONS As one or more of the applicable percentage ratios under Rule 14.07 of the Listing Rules in respect of the amount of the Loan exceeds 5% but is less than 25%, the grant of the Loan constitutes a discloseable transaction of the Company and is subject to notification and announcement requirements under Chapter 14 of the Listing Rules.

INFORMATION OF THE GROUP AND THE LENDER. The Group is a financing service provider in Hong Kong mainly providing secured financing, including pawn loans and mortgage loans under the provisions of the Pawnbrokers Ordinance and the Money Lenders Ordinance. Oi Wah MLEL, as the lender of the Loan, is an indirect wholly-owned subsidiary of the Company. REASONS FOR THE ENTERING INTO OF THE LOAN FACILITY AGREEMENT Having taken into account the principal business activities of the Group, the grant of the Loan to the Customer is in the ordinary and usual course of business of the Group. The terms of the Facility Agreement were negotiated on an arm’s length basis between Oi Wah ML EL and the Customer. The Directors consider that the grant of the Loan is financial assistance provided by the Company within the meaning of the Listing Rules. The Directors are of the view that the terms of the Facility Agreement were entered into on normal commercial terms based on the Company’s credit policy. After having taken into account the satisfactory financial background of the Customer and that a stable revenue and cashflow stream from the interest income is expected, the Directors consider that the terms of the Facility Agreement are fair and reasonable and the entering into of the Facility Agreement is in the interests of the Company and its Shareholders as a whole. LISTING RULES IMPLICATIONS As one or more of the applicable percentage ratios under Rule 14.07 of the Listing Rules in respect of the amount of the Loan exceeds exceed 5% but is less than 25%, the grant of the Loan constitutes a discloseable transaction of the Company and is subject to notification and announcement requirements under Chapter 14 of the Listing Rules.

INFORMATION OF THE GROUP AND THE LENDER. The Group is a financing service provider in Hong Kong mainly providing secured financing, including pawn loans and mortgage loans under the provisions of the Pawnbrokers Ordinance and the Money Lenders Ordinance. Oi Wah MLPL, as the lender of the Loan, is an indirect wholly-owned subsidiary of the Company. REASONS FOR THE ENTERING INTO OF THE LOAN AGREEMENT Having taken into account the principal business activities of the Group, the grant of the Loan Loans to the Customer is in the ordinary and usual course of business of the Group. The terms of the Facility Agreement Loan Agreements were negotiated on an arm’s length basis between Oi Wah ML PL and the Customer. The Directors consider that the grant of the Loan Loans is financial assistance provided by the Company within the meaning of the Listing Rules. The Directors are of the view that the terms of the Facility Agreement Loan Agreements were entered into on normal commercial terms based on the Company’s credit policy. After having taken into account the satisfactory financial background of the Customer and that a stable revenue and cashflow stream from the interest income is expected, the Directors consider that the terms of the Facility Agreement Loan Agreements are fair and reasonable and the entering into of the Facility Agreement Loan Agreements is in the interests of the Company and its Shareholders shareholders as a whole. LISTING RULES IMPLICATIONS As one or more of the applicable percentage ratios under Rule 14.07 of the Listing Rules in respect of the total amount of the Loan Loans exceeds 5% but is less than 25%, the grant of the Loan Loans constitutes a discloseable transaction of the Company and is subject to notification and announcement requirements under Chapter 14 of the Listing Rules.