Rich Goldman Holdings Limited on 29 June 2022 (after trading hours), Home Mortgage Finance, as a lender, the Customer, as a borrower, and the Guarantor, as guarantor, entered into the Loan Agreement, pursuant to which Home Mortgage Finance agreed to grant the Loan in the amount of HKD 7,200,000 to the Customer at an annualised percentage rate of 10.95% for a term of 1 year. The Loan is secured by a first legal charge in respect of a property located in Hong Kong with a valuation of HKD 9,200,000 as at 29 June 2022 conducted by an independent property valuer engaged by the Company.