Key Facts Statement (KFS)

Residential Mortgage Loan

Residential Mortgage Loan Residential Mortgage Service of Greater Bay Area

Overdraft Facility

Easi-Personal Loan - Easi-Overdraft Facility Secured Overdraft Facility Insurance Financing Service “Bei Yong Tong” - Overdraft Facility Secured by Time Deposit

Instalment Loan

General Banking Facility - Instalment Loan Easi-Personal Loan Instalment Loan Easi-Personal Loan – Property Owner Loan (Instalment Loan) Insurance Financing Service “High Net-worth Customer” Personal Loan The Mainland Property Refinancing Service The Mainland Talents and Professionals Personal Loan “Li Chai Tong" Personal Loan "Bei Yong Tong" - Instalment Loan

Revolving Credit Facility

Revolving Credit Facility