Credit Card	CMB Wing Lung Balance Transfer Loan	Save interest expenses of 95%
Loan Amount	HKD500,000
Repayment period	275 months	60 months
Total Interest Expenses	HKD524,404	HKD27,300

Remarks:

1. Annualised Percentage Rate ("APR") is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. APR is calculated according to the method set out in the Code of Banking Practice. Maximum APR is 36% with a repayment period of 6 to 72 months, subject to the relevant terms and conditions. The loan application is subject to the Bank's approval.
   
   For a loan amount of HKD1,000,000 with a repayment period of 12 months, the monthly flat rate is 0.091% (APR 3.95%), and the total repayment amount is HKD1,010,920 and the handling fee is HKD10,000. The above example is for reference only.
2. The credit card example is calculated on the basis of monthly minimum repayment of 5% of the outstanding balance and annual interest rate of 30%, thus the Annualized Percentage Rate ("APR") is 34.49% and the total interest expenses is HKD524,404. CMB Wing Lung Balance Transfer Loan example is calculated on the basis of loan amount of HKD500,000, repayment period of 60 months and monthly flat rate of 0.091%, thus the APR is 4.27% and the total interest expenses is HKD27,300. (The APR is calculated according to the guidelines laid down in the Code of Banking Practice, including loan handling fee of 1% per annum on the approved loan amount and cash reward). The above example is based on a number of assumptions and is for reference only. The credit rating of customers must comply with the requirements of CMB Wing Lung Bank Limited ("the Bank"). The approved APR of individual customer is subjected to the credit rating of the customer, loan amount and repayment period. The final approval of the application, loan amount, repayment period and interest rate will be determined by the Bank as final decision without providing any reason.