DreamCash Personal Loan Repayment Schedule1

The example below is for reference only. The details of actual loan repayment is subject to the Bank's final approval.

Interest Rate (Monthly Flat Rate)		Loan Amount
Handling Fee (p.a)2		Handling Fee²
APR3		Total Repayment Amount
Loan Tenor (Months)		Monthly Repayment Amount

No. of Installments	Monthly Repayment Amount (HKD)	Principal Amount (HKD)	Interest Amount (HKD)	Outstanding Loan Principal Amount (HKD)

1. The Bank uses the Rule of 78 for the apportionment of principal and interest for each monthly repayment of the loan. Please refer to the "Apportionment of Principal and Interest and Early Repayment Charge" of our personal installment loan. The above illustration is for reference only. The details of actual loan repayment is subject to the Bank's final approval.

2. The Bank will deduct the handling fee from the approved loan amount and then credit the remaining amount to the Customer's designated account.

3. The Annualized Percentage Rate ("APR") is calculated according to the standard of Hong Kong Association of Banks and rounded to two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate.