Date: November 11, 2024

Dear Valued Client,

Thank you for your continued support and trust in Victory Securities!

In response to recent reductions in the Hong Kong Dollar Prime Rate (P) by multiple local banks, we are adjusting the loan interest rate accordingly. Effective from November 11, 2024, the base rate used to calculate the actual outstanding interest rate for client accounts, the Prime Rate (P)*, will be lowered from an annual rate of 5.875% to 5.625%. Consequently, the actual outstanding interest rate of your securities account will be adjusted accordingly. Please refer to your daily or monthly account statement for the actual interest rate.

(P) refers to Standard Chartered Bank’s Prime Rate: 5.625% (effective November 11, 2024).

To safeguard your best interests, please monitor your account’s loan status regularly and ensure you have sufficient financial provisions to meet interest expenses.

For inquiries, please contact our Customer Service Department during office hours (Monday to Friday, 9:00 AM to 6:00 PM) at +852-25252437 or +86-14715017408, or via email at cs@victorysec.com.hk.

Wishing you successful investments and good health!

Sincerely,

Victory Securities