About PUBLIC FIN HOLD Company

Dazhong Financial Holdings Limited (formerly the “Japan Credit Guarantee Group”) (“Dazhong Finance” or the “Company”) was an investment holding and property holding company incorporated in Bermuda under the Bermuda Companies Act 1981 on August 16, 1991, and its shares were listed on the Hong Kong Stock Exchange Limited (“Hong Kong Stock Exchange”) (stock code: 626). Popular Finance is a subsidiary of Public Bank holding 73.2% of the shares. Public Bank's shares are listed on the Bursa Malaysia Stock Exchange. The main subsidiaries of Public Finance are Public Bank (Hong Kong) Limited (“Public Bank (Hong Kong)”), Dazhong Finance Limited (“Public Finance”) and WINTON (B.V.I.) LIMITED (“Yuntongtai”). Public Bank (Hong Kong) is a commercial bank registered under the Banking Regulations of the Hong Kong Special Administrative Region. Formerly known as Commercial Bank of Asia Limited, it was established in 1934 and acquired by the Company in May 2006. It officially changed its name to Public Bank (Hong Kong) Limited in June of the same year. Public Bank (Hong Kong) currently has 32 branches in Hong Kong; 3 branches in Shenzhen, and representative offices in Shanghai and Shenyang. Public Bank (Hong Kong) has been committed to providing quality services to Hong Kong and Greater China customers for over 70 years. It is a financial institution providing comprehensive commercial and retail banking services. Dazhong Finance (formerly known as “Japan Credit Guarantee Finance Co., Ltd.”) was incorporated in Hong Kong on October 20, 1977, and registered as a deposit-taking company on January 31, 1978 in accordance with the Banking Regulations. It was acquired by Public Bank in 1990, and when the Company was listed on the Hong Kong Stock Exchange in 1991, it became a wholly-owned subsidiary of the Company. In January 2006, Japan Credit Guarantee Finance Co., Ltd. officially changed its name to Dazhong Finance Co., Ltd. On October 17, 2008, as part of the group's internal restructuring, Volkswagen Finance became a wholly-owned subsidiary of Public Bank (Hong Kong). Volkswagen Finance's main business is accepting deposits, personal and commercial loans, mortgage loans, leasing investment properties, and providing financing to taxi buyers. Volkswagen Finance is actively expanding its market share and enhancing its market leadership position, and has established a comprehensive branch network. Currently, it has 42 branches, making it the deposit-taking company with the largest number of branches in Hong Kong. Yuntongtai was incorporated in the British Virgin Islands under International Business Companies Order (No. 8 of 1984). The main business of Yuntong Tai and its subsidiaries (“Yuntong Group”) is to provide financing, personal and short-term loans, taxi vehicle and taxi license trading, and taxi leasing to buyers of licensed public vehicles (such as taxis and minibuses, etc.). Currently, Yuntongtai has a total of 9 branches in Hong Kong. The approximately 1,400 employees of Popular Finance and its subsidiaries (the “Group”) will do their best to provide services to you.