About PUBLIC FIN HOLD Company

Dazhong Financial Holdings Limited (formerly “Japan Credit Guarantee Group”) (“Dazhong Finance” or the “Company”) is an investment holding and property holding company incorporated in Bermuda under the Bermuda Companies Act 1981 on August 16, 1991. Its shares are listed on the Stock Exchange of Hong Kong Limited (“Hong Kong Stock Exchange”) (stock code: 626). Popular Finance is a subsidiary of Public Bank holding 73.2% of the shares. The shares of Popular Bank are listed on Bursa Malaysia. The main subsidiaries of Popular Finance are Public Bank (Hong Kong) Limited (“Public Bank (Hong Kong)”), Dazhong Finance Limited (“Dazhong Finance”) and WINTON (B.V.I.) LIMITED (“Yuntong Thai”). Public Bank (Hong Kong) is a commercial bank registered under the banking regulations of the Hong Kong Special Administrative Region, previously known as Asian Commercial Bank Limited. It was established in 1934 and acquired by the Company in May 2006, and 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; it has 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 that provides comprehensive commercial and retail banking services. Popular Finance (formerly “Japan Credit Guarantee Finance Co., Ltd.”) was incorporated in Hong Kong on October 20, 1977, and registered as a deposit-taking company in accordance with the Banking Regulations on January 31, 1978. It was acquired by Public Bank in 1990 and became a wholly-owned subsidiary of the Company when it was listed on the Hong Kong Stock Exchange in 1991. In January 2006, Japan Credit Guarantee Finance Co., Ltd. officially changed its name to Dazhong Finance Co., Ltd. On October 17, 2008, Dazhong Finance became a wholly-owned subsidiary of Public Bank (Hong Kong) as part of the group's internal restructuring. The main business of Dazhong Finance is accepting deposits, personal and commercial loans, mortgage loans, leasing investment properties, and providing financing to taxi buyers. Dazhong 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. Incorporated in the British Virgin Islands under International Business Companies Ordinance (No. 8 of 1984), Yundtong Thai and its subsidiaries (“Yundong Thai Group”) are mainly engaged in providing financing, personal and short-term loans, taxi vehicles and taxi license transactions and taxi leasing to buyers of licensed public vehicles (such as taxis and minibuses, etc.). Currently, Yuntong Thai has 9 branches in Hong Kong. Dazhong Financial and its subsidiaries (the “Group”) have approximately 1,400 employees who will do their best to provide services to you.