Remarks:

¹ New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application.
^#During the promotional period, each of the first 150 successful applicants for the designated loan who complete the specified missions will receive one Now TV 2026 Mega Football Event Pass (without a Now TV Set-Top Box). This promotion is subject to relevant terms and conditions. For details, please click here.
^{^} Cash Reward Offer is subject to terms and conditions. For details, please click here.
^* The above cases are calculated based on the assumptions and are for reference only: 1) the credit card minimum monthly payment amount should be equivalent to 5% of the total account balance, 2) the credit card average monthly repayment amount for the first six months is calculated at an annual percentage rate (APR) of 36% and 3) the APR of UA Debts Consolidation Loan is assumed at 12%. The actual repayment tenors and saving of monthly repayment amount, varying from case to case, largely depends on the credit card monthly minimum payment amount and its interest rate.

Key Facts Statement for Installment Loan:

1. The minimum and maximum repayment period is 3 months and 60 months respectively.
2. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%.
3. A representative example of total cost for a loan below is for reference only:
   • Loan amount: HK$10,000
   • Monthly installment of HK$1,672 for 6 months
   • Interest rate: 0.092% per month
   • Annual percentage rate: 1.1%
   • Total repayment amount: HK$10,032