证物编号：西九龙海辉道11号奥海城中国银行中心1 23楼202308综合贷款函件202308网站：www.bochk.com重要通知：本银行函件列明本行向阁下提供银行服务的条款及条件。建议您在接受本融资信函之前阅读并理解条款和条件。日期：2024年1月11日再鼎医药(在开曼群岛注册成立的有限责任公司)(“借款人”)尊敬的先生们，尊敬的先生们，根据我们最近的讨论，本行很高兴向借款人授予以下一般银行融资(“贷款”)，但须受本行的“一般银行融资及贷款融资的一般条款及条件”(经不时修订，“一般条款”)及下文所述的条款及条件所规限。一般术语中定义的词语和表述在本融资信函中使用时应具有相同的含义。本合同的任何附录均构成本贷款机构信函的组成部分。1.1贷款金额利率/条款及条件L/G/备用L/C美元100,000,000.00·L/G/备用L/C应向借款人不时支付100%保证金(“保证金支付”)。1.2承诺：尽管本贷款函、一般条款(如适用)或借款人与本行之间的任何其他文件有任何相反的规定，本行可随时自行决定修改、取消或暂停本贷款，而无需事先通知，包括但不限于取消任何未使用的贷款，并宣布任何未偿还金额立即到期和应付。2.条件先决条件/抵押品在银行确认收到银行满意的所有下列条件先决条件文件之前，借款人不得提取或使用该贷款：-一份正式签署的本贷款函副本，表明借款人和担保提供者接受本贷款函中规定的条款和条件。就支付保证金而言，收取保证金(S)的本金总额不少于根据L/G/备用L/C融资机制提供的本金上限(或如收取的存款是本行可接受的任何外币，则为等值的外币加上本行不时厘定的任何存款保证金(“收取保证金”)，而无须事先通知借款人及/或保证金管理人(S))连同由此产生或将会累算的利息。现附上适用于本行接受的每种外币的存款保证金一览表(“收取存款保证金一览表”)，以供参考。收取保证金的比例发生变化的，自向借款人和保证金管理人(S)发出另一份收取保证金一览表之日起生效。

档号：CCMC/CCE(CP)/219/23/100204/00/F/8851239综合贷款信202308西九龙海辉道11号奥海城中国银行中心2 23楼。网站：www.bochk.com一份弥偿契据、押记(S)及抵销契据将由存款管理人以本行为受益人签立，以保证本行不时及在本行不时认为适当的范围内向借款人批出或将会批给借款人的一般银行融资。存款管理人姓名：再鼎医药如果收取的存款按市值计算的总价值低于上述收取的存款保证金金额，借款人确认应本行的要求立即提供或促使其向本行提供额外的现金保证金或其他本行可接受的担保。开曼群岛法律执业资格律师将出具法律意见书，以确认本贷款工具函件和再鼎医药将签署的赔偿契约、押记(S)和抵销协议的有效性、合法性和可执行性，以及任何决议和其他文件的形式和实质令银行满意。经董事认证的贵公司下列文件的副本：公司注册证书。组织备忘录和章程或其他章程文件(如有)。董事名单及其签名样本。现行商业登记证(如有)。如果借款人/担保人(S)/担保提供者(S)中的任何一人是有限公司，则提供该公司的相关股东和董事会决议以及经认证的章程文件副本。银行可能要求的其他文件，包括证明借款人或担保提供者(S)履行本贷款函和担保文件项下各自义务所需的任何和所有许可证、授权、同意或批准的文件。3.其他条件：对贷款的使用取决于银行的事先批准。在贷款的整个存续期内，借款人向本行承诺并促使：-(I)其附属公司“再鼎醫藥(上海)有限公司”应维持其在国家外汇管理局的可用外债总额不得低于本行签发的L/G/备用L/C的总额。4.费用手续费：美元700,000.00美元，在接受本贷款函后支付。所有费用及收费在任何情况下均不退还。目前，借款人表示(I)借款人并非中国银行(香港)有限公司(“中银香港”)的任何董事、雇员、控权人或小股东控权人，或其亲属或中银香港(香港法例第155章)第85条所指的中银香港；(Ii)借款人不是(或与之没有任何关系)(A)中银香港或其亲属的高级管理人员及主要职员，(B)中银香港能够控制的附属公司、联营公司及其他实体，或(C)该等附属公司的控制人、少数股东控制人、董事、高级管理人员及主要职员，上述(B)项所述联营公司及其他实体或其香港金融管理局监管政策CR-G-9所指的亲属及(Iii)根据上海证券交易所、中国银监会、香港交易及结算所有限公司的适用规则，借款人并非中银香港及/或中国银行有限公司的关连人士。如果该贷款由任何第三方担保/担保，或将由任何第三方担保/担保，则借款人也声明没有任何该等第三方与上述任何第三方有关或属于上述任何一方。借款人承诺，如果借款人或任何该等第三方成为上述关系或当事人之一，借款人将立即以书面通知本行。

档号：CCMC/CCE(CP)/219/23/100204/00/F/8851239综合贷款信202308西九龙海辉道11号奥海城中国银行中心3 23楼。网站：www.bochk.com请于2024年4月8日或之前签署并将本融资函件的复印件交回本行，以表示您已收到一般条款并理解并接受本要约，否则除非本行另有同意，否则本要约将失效。如有任何疑问，请随时致电398 27779与我们的陈小姐联络。我们来这里是为了更好地为您服务。谨代表中国银行(香港)有限公司/S/劳丽凡及/S/陈文轩授权签署(S)一份。一般银行融资和贷款融资的一般条款和条件[版本号202307_修订版(LD/2023年/7274)]收取存款保证金一览表[(全部)140515]董事会会议纪要认证摘录弥偿契据、收取保证金(S)和抵销数据政策通知

档号：CCMC/CCE(CP)/219/23/100204/00/F/8851239综合贷款函件202308西九龙海辉道11号奥海城中国银行中心4 23楼。网站：www.bochk.com在仔细考虑本函件的内容和一般条款(如上文所述)后，本人/我们同意(I)接受本函件及(Ii)受本函件所载所有条款及细则的约束。如果本人/吾等已提供以阁下为受益人的保证，本人/吾等确认，本人/吾等就吾等对阁下的义务所签立的每份担保文件均不会(亦不会)以任何方式解除、损害或影响，并将在任何时候保持完全效力，不论设施是否有任何更改、修订及/或补充。/S/小鹏冯借款人：再鼎医药日期：2024年2月5日证人：/姓名：

收取保证金一览表(全部)西九龙海辉道11号奥海城中国银行中心140515 23楼。网站：www.bochk.com收费存款保证金银行可接受的每种货币所需的收费存款保证金如下：-货币收费存款保证金港币0%美元0%人民币12%英镑、欧元、澳元、新西兰元、日元、加元、瑞士法郎25%丹麦克朗、瑞典克朗、新元34%

香港)有限公司中国银行(香港)有限公司一项重要通告：此一般银行服务及贷款服务的一般条款及条件列明本行将向借款人提供/继续/续期一般银行服务及贷款服务的条款及条件。建议借款人(S)在接受一般银行融资及贷款融资前，仔细阅读及理解本条款及细则。一般银行融通及贷款融通的一般条款及条件本一般银行融通及贷款融通的一般条款及细则(经不时修订及生效)(“本一般条款及细则”)适用于中国银行(香港)有限公司(包括其继承人及受让人，“本行”)可能不时授予您作为借款人的所有一般银行融通及贷款融通(“融通”)。1.除文意另有所指外，本《一般条款及条件》及《贷款函件》中的定义如下：-B主要是指本行不时引用的港币、人民币或美元以外任何货币的最优惠利率，并受波动影响；营业日指香港商业银行营业的日子，但不包括星期六、星期日及公众假期；基本利率指港币优惠、美元优惠、人民币优惠、B优惠、香港银行同业拆息、人民币香港银行同业拆息或本行不时厘定的其他利率(视情况而定)；B/B L/C指仅在“直接装运”基础上以“背靠背”方式开立的信用证及汇票融通；借款人指本行授予或提供该等融通的任何一方；CIRS指根据本行的国库及衍生产品条款及条件、外汇及衍生产品交易的条款及条件或ISDA文件下的条款及条件(视乎情况而定)就货币利率掉期交易而批出的贷款；CNY指人民Republic of China的合法货币人民币；CNY香港银行同业拆息指就某一特定利息期间及在CNY贷款项下的任何垫款及/或提款而言，指本行不时在路透社(代码：“BCHN”)及彭博(代码：“BOCH”)所报的年利率；人民币O/D指以人民币计价的经常项目(S)项下向借款人提供的透支贷款；人民币优惠是指本行可能不时报出的、可能会出现波动的人民币最优惠利率；货币期权是指根据本行的国库及衍生产品条款和条件、外汇和衍生品交易的条款和条件或ISDA文件下的条款和条件(视情况而定)，就货币期权交易授予的贷款；DDC O/D指以港币计价的经常账户(S)项下向借款人提供的针对到期的未结清支票(S)的透支融资，应以相关融资信函中所述相关支票(S)票面金额的百分比表示；违约行政收费指第6.5条所指的收费金额；违约保证金指，在不损害下文第6.2条的原则下，贷款工具的年利率为6%，港币即期、美元及人民币即期交单的年利率为10%，或本行不时指定并在本行大堂展示或张贴的利率或本行指定并通知借款人的其他利率；D/L指即期贷款工具；承兑交单/承兑交单是指以付款交单(“D/P”)和/或承兑交单(“D/A”)为基础的出口托收单据的出口汇票购买融通，其期限和相关汇票的最高百分比如相关融资函中所述；

2 GBF & Loans Facility（ies）202307条款及细则_修订（LD/2023/7274）（香港）有限公司中国银行（香港）有限公司2 EID指一项出口发票贴现贷款，其期限为借款人就借款人出售或供应的货物开具的发票的最高百分比; EFAC指根据银行与借款人不时签订的保理协议及其补充协议（如有）的条款和条件，可用于保理出口票据的最高使用资金;违约事件是指下文第24条所述的任何一种事件，“违约事件”应据此解释;贷款是指贷款函中规定的不时授予或提供给借款人的各种一般银行贷款和贷款，“贷款”应据此解释;贷款函件指银行向借款人发出的载有贷款条款及条件的贷款函件，该等贷款函件可不时修订、修订或补充; F/X是指根据银行的财资和衍生产品条款和条件，与远期外汇交易有关的贷款，外汇和衍生品交易的条款和条件或ISDA文件中的条款和条件（视属何情况而定）;香港银行同业拆息指就特定利息期及就融资项下以港元计值的任何垫款及/或提款而言，银行在香港银行同业拆息市场所报的年息，称为“香港银行同业拆息”;港元指香港的法定货币港元;港元O/D指借款人在以港元计值的往来账户下可使用的透支贷款;港元最优惠利率指本行不时所报之港元最优惠利率，并可能会有所浮动;香港指中华人民共和国香港特别行政区; IIF指进口发票融资，其期限及最高金额为相关贷款函件所述之相关发票之某个百分比; I/L指进口贷款，期限如相关贷款函所述; IRS是指根据银行的财资和衍生产品条款和条件授予的与利率掉期交易有关的贷款，外汇和衍生品交易的条款和条件或ISDA文件中的条款和条件（视具体情况而定）; ISDA文件指ISDA主协议、ISDA附表和此类文件的任何其他辅助文件; L/C指信用证签发和进口汇票贷款; L/G指保函签发贷款; L/I指银行认可的银行签发的信用证项下的出口汇票议付贷款（不符合该出口信用证的条款）;贷款工具指抵押贷款工具、定期贷款工具、活期贷款工具，循环贷款融资和任何其他贷款融资提供给借款人，无论是否在某些财产的抵押或相关融资函中所述的证券; ML指抵押贷款融资; MML指货币市场额度融资;“债务人”指借款人、担保文件的任何一方和贷款函的任何一方（包括以会签的方式），但不应包括本行及本行在授信函中明确排除的任何其他方。 ODB是指根据银行可接受的银行签发的信用证为出口汇票议付而授予的贷款;原始利率是指贷款函中规定的港币O/D、DDC O/D、CNY O/D或美元O/D各自适用的利率;付款指令是指票据、汇票、订单和/或其他工具; P/L是指打包贷款贷款，应表示为相关贷款函中规定的相关出口信用证的百分比; POD是指银行从借款人处购买或贴现的任何付款指令的付款指令贴现贷款; PSF指装运前融资贷款，应表示为相关贷款函中规定的相关采购订单/合同的百分比; R/L指循环贷款贷款;

香港)有限公司中国银行(香港)有限公司3 S/G指航运担保出具安排；制裁指由任何制裁当局实施、制定或执行的制裁(包括出口管制)法律、法规、禁运或限制性措施。在不影响前一句的一般性的情况下，制裁应包括：-(A)对美利坚合众国实施的任何制裁(单边或多边)，并应包括由美国财政部外国资产管制办公室、美国国务院或在适用范围内由美国商务部工业和安全局实施的条例，包括但不限于美国出口管理条例；及(B)香港特别行政区政府(单边或多边)对香港实施的任何制裁，包括由香港金融管理局、香港财经事务及库务局实施的规例，包括但不限于《联合国制裁条例》(香港法例第103章)。、《联合国(反恐怖主义措施)条例》(第575章)、《大规模毁灭性武器(管制提供服务)条例》(第575章)。(第526章)及“进出口(战略物品)规例”(第526章)。60g)。制裁当局指以下任何一项：(A)联合国；(B)人民解放军Republic of China；(C)美利坚合众国；(D)欧盟(E)英国；(F)香港；及(G)上述任何一项的政府当局，包括但不限于外国资产管制处、美国国务院、美国商务部工业安全局及金管局。就个人而言，制裁遵从性是指其本身及其附属公司。为此目的，(I)“个人”是指集团个人、公司、政府、州或一个国家的机构或任何协会、信托、合资企业、财团、船只或合伙企业；以及(Ii)就个人而言，“附属公司”指直接或间接控制、由第一个人控制或与其共同控制的另一个人。担保单据是指可能不时为本行的利益对本融资提供担保、担保或支持的单据；备用L/信用证指备用信用证签发融资；T/L为定期贷款融资；T/R为相关融资函中所述期限的信托收据融资；交易指根据本行的财务及衍生产品条款和条件、外汇和衍生品交易的条款和条件或ISDA文件下的条款和条件(视情况而定)进行的交易，其含义在其中具有特定的含义；美元是指美元，是美利坚合众国的法定货币；美元即期汇兑是指以美元计价的向项目下的借款人(S)提供的透支便利；美元最优惠汇率是指本行可能不时报价的、可能会波动的美元最优惠汇率。2.可用性2.1借款人接受并完全遵守相关贷款函中规定的条款和条件，并在适当的情况下，签署相关贷款函中提到的所有适当文件，使银行满意，并支付所有必要的费用和收费，借款人将可以使用相关贷款函中规定的设施，直到银行以书面形式通知借款人相反的情况。2.2当银行在相关贷款项下付款或承担债务时，贷款应被视为由借款人自动提取和/或由银行垫付。为免生疑问，并在本行拥有凌驾性酌情权的情况下，就任何透支贷款及/或任何其他贷款设立信贷限额只会在营业日生效。2.3本行保留以下绝对权利：(I)拒绝借款人要求提供或使用有关设施的任何申请；及(Ii)随时以其唯一及绝对的方式检讨及调整有关设施

4 GBF & Loans Facility（ies）202307条款及细则_修订（LD/2023/7274）（香港）有限公司中国银行（香港）有限公司4 自行决定 2.4如果设施（“第一设施”）可以与另一设施互换。（“第二笔融资”），且第一笔融资项下有任何自由未使用余额，则该自由未使用余额的全部金额可供借款人在第二笔融资项下使用，惟须受相关融资函所述的任何限额所规限，反之亦然。为免生疑问，银行预扣的任何贷款余额不得视为该贷款的自由未使用余额。 2.5在T/R被授予的情况下，这意味着T/R和S/G被授予使得T/R与S/G可互换。 2.6除非在相关贷款函中另有说明，当T/R与L/C一起授予时，该T/R由银行作为L/C的一部分授予，因此T/R的使用取决于L/C下的可用未使用余额，并且在使用时，将相应地减少L/C的可用未使用余额。 2.7如果是T/L或D/L，则该融资项下的任何垫款应根据提款通知进行，但如果借款人开立信用证的申请已被银行接受，则无需提款通知，在此情况下，提款应被视为在银行根据相关信用证付款或承诺付款时进行。如银行代表借款人出具海运保函，则在银行根据海运保函向受益人付款时，应视为已提取。银行以相关贷款货币以外的货币支付的任何款项，应按银行所报的即期汇率兑换，以相关贷款货币购买支付货币。 2.8如果提款通知规定相关预付款应存入以第三方（而非借款人）名义开立的账户，则借款人应在预付款存入该账户后仍负责偿还该预付款。 2.9提款通知一经发出，即不可撤销。提款通知应采用书面形式，并按本行指示的格式发出。 2.10展期通知或选择计息期的通知一经发出，即不可撤销。该等通知须以书面作出，并按银行指示的格式作出。本行可全权酌情及在其认为适当的条件下，接纳以电话、传真或电子邮件方式向本行发出的转期或选择息期的指示。 2.11根据本行的最高酌情权，提款将仅在营业日生效（就以美元计值的融资而言，营业日指香港、伦敦及纽约市的商业银行营业的日子，但不包括星期六、星期日及公众假期）。 2.12本行并无责任监察或核实根据有关信贷安排借入的任何款项的运用情况。 2.13如果在任何时候，银行在任何适用的司法管辖区履行其在贷款项下的任何义务或资助或维持其参与任何贷款是非法的或将成为非法的，银行应通知借款人，银行的承诺应立即取消，借款人应在银行在通知中指定的日期全额偿还贷款借款人。 3.兴趣 3.1所有贷款项下的预付/提取款项均应收取利息（在作出判断之前及之后，并视乎波动情况而定）、佣金及╱或其他费用，按有关融资函件所订明的利率或本行不时公布的任何收费表所订明的标准利率或本行不时全权酌情厘定的其他利率计算。应借款人要求，应随时向其提供收费表。 如果任何基本利率低于零，则在计算贷款的适用利率时，该基本利率应被视为零。此外，如果贷款的适用利率低于零（在任何负基本利率被视为零后），则该适用利率应被视为零。 3.2除非本一般条款及细则或相关贷款函件另有规定，贷款的利息将逐日累计，并按实际天数计算，港元和英镑为365天，其他货币为360天（含美元、CNY）或根据本行不时全权酌情采纳之市场惯例厘定，而最优惠利率之任何变动将即时适用于参考该最优惠利率计算之任何利率率 3.3所有应计利息须于要求时支付，倘并无要求，则须于就融资应付之每期款项到期日支付，或倘融资本金额并非按期支付，则须于银行于融资函件或其他方式指定之期间支付

香港)有限公司中国银行(香港)有限公司5于相关还款日或根据本行不时通知借款人之惯例，本行有权将该等未偿还利息资本化为本金垫款，以便按相同利率计息。3.4经本行批准后，如任何贷款以本行函件所列货币以外的货币提取，则适用于该贷款的利率应为本行不时厘定的利率。3.5就港币O/D及DDC O/D而言，本行有权收取(I)适用于该等贷款的原始利率；或(Ii)隔夜香港银行同业拆息；或(Iii)本行不时报价的本行资金成本中最高者。3.6就美元兑即期汇兑而言，本行有权收取(I)适用于该等贷款的原始利率；或(Ii)本行不时所报的本行资金成本中最高者。3.7就人民币即期汇票而言，本行有权收取(I)适用于该等贷款之原始利率；或(Ii)本行不时所报之本行资金成本中最高者。3.8就任何透支安排(包括港币汇率、人民币兑美元汇率、人民币汇率及美元汇率)而言，应于每月的最后一个公历日支付应计利息。3.9就透支贷款以外的贷款而言，如任何此类贷款的利息是按最优惠利率加或减利差或按固定利率收取，且无论出于任何原因，最优惠利率不可用，或如本行自行厘定维持此等贷款的资金成本超过最优惠利率或固定利率，或如本行无法取得存款为此等贷款提供资金，本行有权在不限制本行根据第3.1条所赋予之权利的情况下，按本行不时厘定的利率收取利息、佣金或收费，按本行资金成本或隔夜香港银行同业拆息/隔夜人民币香港银行同业拆息(以最高者为准)加上述利差计算利息，或如按固定利率收取利息，则按本行厘定的利差计算。3.10如因任何原因，包括香港银行同业拆息(IBOR)的银行同业拆息(IBOR)暂时或永久不可用，(2)本行认为不再具代表性，或(3)本行认为不再适合计算本协议项下的利息，本行保留绝对权利检讨及修订有关贷款的利率，恕不另行通知。利率一经修改，本行应立即通知借款人(S)。3.11如因任何原因，银行同业拆息(IBOR)包括香港银行同业拆息，或本行根据第3.10条(如适用)厘定的经修订利率并未反映所产生的资金成本，则垫付利息须按本行独自合理厘定的本行资金成本的利差收取。银行应在资金成本确定后立即通知借款人。3.12就贷款安排而言，如借款人有权选择利息期限，则所有累算利息须于每个利息期限结束时以欠款方式支付。任何利息期不得超过贷款函件所载的最终到期日，如任何利息期本应延至该日期之后，则应于该日期结束。如果银行没有从借款人那里收到有效的利息期限选择，该利息期限应为一个月。如任何利息期间本应于非营业日结束，则应于紧接的下一个营业日结束，如在同一历月内有营业日，则于紧接的前一个营业日结束。3.13如贷款本金并非按定期分期支付，而本行在贷款函件中指明贷款的利息须按月支付，则首次付息日期为下一个月与相关贷款提取日期相对应的日期，其后的付息日期应为随后每个月的相应日期，惟任何付息日期不得超过贷款函件所载有关贷款的最终到期日。4.付款4.1借款人向银行支付或偿还的所有款项或债务应以银行根据融资函支付或发生的付款或债务的货币支付或偿还，或在银行行使第4.4条(“适用货币”)下的其他权利时以兑换货币支付或偿还，以立即可用的资金支付，不得抵销或反索赔，且免费且不扣留或扣除任何或所有现有或未来的税项、关税、付款或其他费用。如果贷款函和/或担保单据下的任何付款需要用于该扣缴或扣除，借款人应将其增加到与付款金额相等的必要程度，如同没有进行此类扣缴或扣减一样。借款人应立即通知银行或在规定的时间内支付该笔款项。借款人还应在付款后30天内向银行提供证明已付款的证明文件。4.2如果任何法律或法规或指令的解释或对其的任何更改，或在融资信函的原始日期之后制定的任何法律、法规或指令的遵从性：

6香港)有限公司中国银行(香港)有限公司6(A)增加本行提供或维持相关设施的成本；或(B)减少本行根据贷款函件及/或保证文件而应收的任何款项，则借款人将于要求时向本行支付所有因此而需要补偿的款项。4.3对本行的任何付款(不论是根据任何判决、法院命令或其他规定)均不得解除借款人的义务或责任，除非本行已收到以适用货币支付的全部款项，且任何此类付款的金额在实际兑换为适用货币时应不符合以适用货币表示的义务或责任，本行应另有针对借款人的单独诉讼因由。4.4本行在此明确保留在任何时间以其绝对酌情决定权，在不向借款人提供任何理由的情况下，有权：-(A)将借款人在任何贷款下到期、欠下或发生的所有或任何未偿债务、负债及/或债务转换为港币；或(B)将借款人在任何贷款项下所欠、欠下或产生的所有或任何未清偿债务、负债及/或债务，以有关贷款的贷款函件所指明的货币以外的货币兑换成本行绝对酌情认为适合的货币或港币。上述兑换应按银行最终确定的当时的现行汇率进行。为免生疑问，于转换后，本行有权重新厘定已转换债务、负债及/或债务的适用利率，基准为该等债务、负债及/或债务以港币计值或(视乎情况而定)以有关贷款的融资函件所指定的货币计算。本行亦可不时以本行最终决定之现行汇率为基准货币，厘定任何贷款之未偿还金额，而无需实际折算。如果基础货币项下的未偿还金额超过该贷款的原始基础货币金额，本行有权要求借款人按本行规定的货币要求偿还超出部分的金额。4.5以适用货币以外的货币(“现有货币”)向本行支付的任何款项，本行可绝对酌情将其兑换为适用货币，以支付借款人的义务和债务，该汇率由本行最终确定，用于以本行现有货币购买适用货币。4.6借款人向本行支付的所有款项，应根据本行的惯例及条款和条件接受，并须受本行当时及不时有效的任何相关结算系统的规则所规限，并应视为在本行结算及收取有关款项后方可支付。4.7如果一个国家的货币发生变动，而该变动与借贷便利函项下预期的融资或交易所采用的一种或多种货币有关，则在本行(合理地采取行动)指定的必要范围内，此等一般条款和条件以及借贷便利函将予以修订，以符合相关银行同业市场上任何公认的惯例和市场惯例，并在其他方面反映货币的变化。5.还款5.1尽管“贷款函”及本“一般条款及条件”有任何相反规定，但除本条款第27.8条另有规定外，本行保留要求立即偿还借款人根据或就该等贷款而到期、欠下或发生的所有未偿债务、债务及/或债务(包括利息及违约利息)的至高无上的权利。5.2除非“贷款函件”及/或“按揭贷款融资一般条款及条件”及/或“一般按揭贷款融资条款及条件”另有规定，或经本行书面同意，否则就按月分期付款的贷款而言，首期贷款应于相关贷款提取后一个月到期支付；若贷款以双周分期付款的形式支付，则首期贷款应于相关贷款提取后两周到期支付。5.3如银行批准，如贷款由借款人按月分期付款，则借款人可指定每个连续月份的某一天为预先设定的付款日期，以便按月向银行支付分期付款。第一个预定付款日期应为紧随相关设施缩减日期之后的预定付款日期。如果第一个预定付款日期不是在相关设施的提款日期后一个月的日期，或在该日期之前：-(A)第一笔每月分期付款应在第二个预定付款日期到期支付，随后的每月分期付款应在相应的随后预定付款日期到期支付；

7 GBF T&C&Loans Finance(IES)202307-修订版(LD/202307/7274)(香港)有限公司中国银行(香港)有限公司7(B)有关贷款的利息应从贷款的提取日起至第一个预先设定的付款日(“延期利息”)按日计算；(C)第一笔每月分期付款的到期和应付数额应为每月应付分期付款的一笔款项(按有关贷款是在第一个预先确定的付款日期提取的一样计算)连同延期利息。如果第一个预先设定的付款日期与相关贷款的提款日期相隔一个月或之后，则第一笔月度分期付款应在第一个预先设定的付款日期到期并支付，借款人不得支付任何延期利息。5.4如因基本利率的变动而导致利率出现任何变动，本行可自行决定更改分期付款的金额或数目，或两者兼而有之，并于日后通知借款人。5.5如ML及/或T/L以按揭物业(“上述贷款”)作抵押，贷款函件所指明的贷款期限须经代表本行的律师审核按揭物业的业权契据后予以确认。贷款期限不得长于持有该物业的政府批地的年期。如果政府资助金的期限短于上述贷款的贷款期限，则需要银行重新批准上述贷款。这种重新审批过程可能导致银行拒绝发放上述贷款，或以不同的贷款金额和/或贷款期限和/或贷款条款和条件重新打包上述贷款。5.6就ML、T/L或D/L而言，如以人民币香港银行同业拆息或香港银行同业拆息作为基准利率，且只需在付息日或还款日还款，或就R/L而言，如在付息日未还款，借款人应赔偿本行所证明数额的任何中断融资费用。5.7除非贷款函中规定贷款本金应分期支付，否则贷款本金应在贷款函中规定的最终到期日全额偿还。5.8如借款人预期或遇到任何偿还或维修贷款的困难，借款人应尽快通知本行。6.违约利息/收费6.1借款人所作的任何付款或偿还，以时间为准。6.2本行保留权利就任何到期未付之款项按日收取违约利息(判决前及判决后)：-(A)就港币O/D及DDC O/D而言，按(I)港币最优惠利率加适用的违约保证金，或(Ii)隔夜香港银行同业拆息，或(Iii)本行的资金成本，以较高者为准，惟上述违约率及计算方法将适用，不论已到期但未支付的透支是否在本行先前准许的透支限额之内或其他范围内。(B)就美元兑即期汇兑而言，以(I)美元最优惠利率加适用的违约保证金或(Ii)本行的资金成本(以较高者为准)计算，但不论到期但未支付的透支是否在本行先前允许的透支限额之内，上述违约率和计算方法均适用。(C)就人民币即期汇票而言，以(I)CNY Prime加适用的违约保证金，或(Ii)隔夜CNY香港银行同业拆息加适用的违约保证金，或(Iii)本行的资金成本，以较高者为准，但不论到期但未支付的透支是否在本行先前准许的透支限额或其他范围内，上述违约率及计算方法均适用。(D)就贷款安排而言，以(I)适用的违约保证金加有关货币的最优惠利率及(Ii)本行的资金成本或本行不时绝对酌情厘定的其他利率中较高者为准。(E)对于除港币汇率、人民币汇率、美元汇率、人民币汇率及贷款以外的贷款，按(I)适用的违约保证金加有关货币的最优惠利率(由本行不时报价或厘定)或(Ii)有关货币的隔夜银行同业拆息并由本行不时报价或厘定，或(Iii)本行的资金成本以最高者为准；或按本行不时绝对酌情决定的其他利率厘定。6.3(A)就港元即期及DDC即期而言，本行有权按(I)该违约率及第6.2(A)款所载计算方法中较高者，就任何超出适用的预先协定透支限额的款项收取违约利息，不论该笔超支是本行行使其酌情决定权或应借款人的要求或其他要求而容许的，或(Ii)原始利率。(B)就美元汇价而言，本行有权按(I)美元最优惠利率加美元收取违约金

8香港)有限公司中国银行(香港)有限公司8 7.F/X及其他国库及衍生产品8.给予两个或以上借款人的贷款，年利率分别为6%，或(Ii)本行的资金成本，或(Iii)适用于美元兑美元汇率的原始利率(以最高者为准)，透支金额超过适用的预先协议透支限额，不论银行在行使其酌情权时，或在借款人的要求下或在其他情况下，该等超额款项是否得到银行的允许。(C)就人民币即期汇票而言，本行有权按(I)CNY Prime加适用的违约保证金，或(Ii)隔夜CNY香港银行同业拆息加适用的违约保证金，或(Iii)本行的资金成本，或(Iv)超出适用的预先协议透支限额的任何款项的原始利率(以最高者为准)收取违约利息，不论该笔超额是本行行使其酌情决定权或应借款人的要求或其他要求而容许的，6.4违约利息应按日计算，并从付款到期之日起计算，直至最后全额付款之日止。如果贷款是分期支付的，如果任何分期或利息支付逾期，违约利息应从相关分期或利息支付的到期日起计算，按日计算，直至实际全额支付之日为止。第6.4条的规定不得损害或影响本行根据上文第6.2条收取违约利息的权利。6.5除违约利息外，本行保留在借款人每次未能于到期日付款时，向借款人收取HKD500.00或本行不时厘定的其他欠款的权利。此外，在借款人未能在到期日付款后，如银行有绝对酌情权决定有必要指示律师向借款人发出要求书或对借款人采取任何其他追讨行动，本行有权收回本行合理招致的所有法律费用，而借款人有义务在要求时向本行支付该等费用。6.6为免生疑问，如逾期款项应收取的原始利率超过第6.2条所指定的违约利率，本行有权继续采用该原始利率，即使该款项已逾期。6.7本行保留按其认为适当的时间间隔复利违约利息的权利。7.1所有F/X及其他国库及衍生产品交易均须受本行不时订立的条款及条件及当时的市场惯例所规限，并须于下午三时前结算。任何特定交易的相关价值日期或交割日期或本行可能要求的其他时间的香港时间。8.1如根据任何贷款函件，该等贷款分别授予两名或两名以上借款人，则经本行事先批准，该等贷款或其任何部分可由任何一名相关借款人在本行不时决定的分项限额(“分项限额”)(如在有关贷款函件中有明确规定或由本行以其他方式规定)及条款内使用。在任何情况下，借款人的借款总额不得超过贷款金额。就本第8条而言，分别给予两个或两个以上借款人的贷款在下文中称为“全球贷款”，与全球贷款有关的贷款限额称为“全球贷款限额”。8.2为免生疑问，除非贷款函件中另有明文规定或本行另有规定，本行可允许任何一名或多名借款人以全数使用环球信贷，但除非本行行使绝对酌情权同意，否则所有有关借款人于任何时间就每类环球信贷对环球信贷的合计使用量不得超过此等环球信贷的相关环球限额(S)。8.3如贷款函件中有分项限额规定或本行另有规定，所有借款人可自行或透过授权代表(S)向本行申请更改分配予每名借款人的分项限额，方法是给予本行不少于三(3)个营业日的事先通知。本行保留绝对酌情权决定接受或拒绝任何此类申请。8.4在本行批准任何更改分项限额的申请后，每名有关借款人均须受该项更改及本行就该项更改所施加的任何条件的约束。8.5尽管本协议另有规定，本行保留随时以本行唯一及绝对酌情权重新分配本行之全球融资及/或全球限额及/或分项限额(如有)的绝对权利。8.6为免生疑问，本《一般条款和条件》中适用于融资的所有规定应同样适用于Global融资，并在相关借款人使用和

9香港)有限公司中国银行(香港)有限公司9.供第三方使用的融资工具10.预付款11.关于全球融资项下或与全球融资有关的最后陈述债务，获得全球融资的每个借款人均应受本一般条款及条件所载条款的约束。9.1经本行事先批准，本行可应借款人的要求，允许第三方(“共同使用人(S)”)使用授予借款人的便利，但须遵守下列条件和本行不时施加的其他附加条件：-(A)共同使用人(S)对该等便利的任何使用应记入借款人(S)的账户，借款人应就此向本行负全责，犹如其是实际使用该等便利的一方；(B)在不损害上述(A)款的前提下，共同使用人(S)除借款人外，还应就其使用贷款向本行承担全部责任，犹如贷款是以共同使用人为受益人并由其在自己的账户下使用的(S)。在这方面，共同使用人(S)应受本《一般条款和条件》以及本行同意向借款人提供贷款的任何其他条款和条件的约束，犹如共同使用人(S)是其中提到的借款人；及(C)如借款人已就本行已给予或将予共同使用者(S)为受益人的一般银行贷款项下的共同使用者(S)的义务及责任作出任何担保，则就所有意图及目的而言，该担保应涵盖共同使用者(S)在上文(B)项下的义务及责任。为免生疑问，如借款人在上述(A)款下的责任因任何原因而不能强制执行或被免除，则本规定不受影响。10.1除非贷款函件另有规定，贷款安排下的预付款项须受下列条件规限：-(A)如贷款安排的本金可分期偿还，所有预付款(不论是全部或部分)必须在贷款安排的分期付款日期支付，否则本行有权收取利息，直至下一个分期付款日期为止；(B)就以人民币香港银行同业拆息或香港银行同业拆息作为基本利率的贷款安排而言，如在付息日或还款日没有预付款项，借款人须就银行所证明的金额所产生的任何中断融资费用向本行作出赔偿；(C)借款人须提前至少1个月以书面通知本行借款人有意预付贷款安排的全部或部分未偿还款项。该通知一经发出，即不可撤销。如借款人没有按指定方式发出通知，借款人须于预付款项时或之前缴付本行不时指定并于本行银行大堂张贴或张贴的预付款费用；(D)任何部分预付款最低金额为港币50,000.00元或等值的其他外币。就任何部分预付款而言，本行可酌情更改每月分期付款的金额或未来分期付款的数目；(E)预付金额须受本行根据下述第17条所赋予的拨款权利所规限；(F)贷款本金的任何预付款项应包括其应计的所有利息，不得再借入；(G)借款人就贷款工具的预付部分应支付的所有或任何款项或负债(实际或有)应由借款人在预付款项时或之前偿付或解除；及(H)到期支付任何预付费用或有关贷款函件所规定的费用。11.1任何经本行任何一位主管人员签署为正确的与贷款有关的任何账户报表(包括但不限于月结单)，应为借款人对本行负债的确凿证据，并对借款人具有约束力，但明显错误除外。11.2任何一名本行高级职员签署的有关本行资金成本或任何基本利率的证明均为最终证明，并对借款人具有约束力。11.3本行就本协议中提及或提及的任何事项的重要性、效果或其他方面的任何意见、决定或决定均为最终决定，并对借款人具有约束力。11.4借款人通过电话、传真或电子邮件向银行发出的指示应具有约束力

香港)有限公司中国银行(香港)有限公司10 12.终止贷款13.针对借款人及本行的按揭财产可(但无义务)根据本行认为适当的条件按指示行事。本行可在通知或不通知借款人的情况下，以其绝对酌情权对该等指示进行记录或保存。借款人同意这种记录和记录保存，并同意将这种记录用于银行认为适当的任何目的，包括在任何诉讼中用作对借款人或任何其他人不利的证据。12.1尽管《贷款函》中有任何规定(包括其中所述的任何审查日期)，但本行保留以下最高权利：-(A)在《贷款函》中所述的审查日期之前的任何时间(如果适用)对贷款进行审查，并在银行向借款人发出终止通知后立即终止贷款(如果适用，即使在上述审查日期之前)；及(B)在任何时间以其唯一及绝对酌情决定权(如适用，即使在上述审查日期之前)向借款人发出书面通知，增加、减少及/或取消该等设施或其任何部分或多个部分，或更改或修订其条款及条件。12.2当本行续期、延长或以其他方式修订贷款时，借款人须支付续期费。13.1如将土地财产按揭予本行作为贷款保证，则以下条文适用：-(A)按揭予本行的财产的业权须由本行委任的律师批准；(B)按揭财产须投保火险。表明银行作为抵押权人的利益的相关保险单连同保费收据应在借款人接受授予贷款的相关贷款函后立即提交给银行(但无论如何应在提取贷款之前)，如果是续期，则在当前保险单到期前十五(15)天，但如果借款人没有履行上述义务，银行应有权(但没有义务)向该保险公司购买或续签借款人的上述保险单，费用由借款人承担。投保金额及条款由本行决定；(C)如按揭财产为住宅物业，则该等财产须按本行所列明并受本行施加的条件所规限，向本行可接受的保险公司投保火险，投保金额由本行核准。如投保金额为有关财产的全部重置价值，而本行要求由本行指定的测量师不时对有关财产进行估价，则借款人有责任应要求向本行偿还因此而招致的所有估价费用；(D)如按揭财产并非住宅物业，则该等财产须按本行不时要求的条款、金额及风险，透过本行的指定代理人投保；(E)凡有关财产的按揭以衡平法按揭方式给予本行，借款人须应本行的要求，立即按本行规定的条款及形式签立或促使他人签立以本行为受益人的法定按揭或法定押记；(F)借款人承诺有关财产由登记拥有人(S)自住，除非事先征得本行的书面同意，否则不得将该财产出租予其他任何一方。本行在给予出租同意后，有权以绝对酌情权重新厘定利率、贷款额及/或有关贷款的条款及条件，除非本行另有协议，否则重新厘定的利率、贷款额及/或条款及条件应即时生效。银行在给予同意时合理地产生的所有费用和开支(包括银行在全额赔偿基础上的法律费用)应由借款人承担和支付；(G)借款人承诺，在没有银行事先书面同意的情况下，它不会/它不会促使抵押人就财产进行任何第二按揭/进一步抵押。否则，银行需要重新批准贷款。此重新审批程序可能导致本行拒绝发放贷款，或以不同的贷款金额及/或贷款期限及/或贷款条款与条件重新包装贷款；及(H)如未能支付任何贷款，本行可根据有关按揭或抵押文件的条款接管及出售有关物业。

11香港)有限公司中国银行(香港)有限公司11 14.物业估价费15.弥偿16.开支17.拨款18.抵销及留置权14.1借款人承认，当任何土地物业被建议抵押予本行作为贷款抵押时，本行可行使其绝对酌情决定权，选择聘请物业估价代理人或其内部办事处或部门，或两者兼任，以评估有关物业的价值。在不影响上述一般性的情况下，在提供贷款期间，借款人应根据银行就抵押财产或其任何部分不时提交的一份或多份估价报告(以银行名称为收件人)的要求，迅速向银行交付抵押财产或其任何部分的估价报告，该报告的日期不得早于抵押财产交付日期前30天，并由银行接受的独立物业估价代理公司由借款人自费准备，以反映抵押财产当时的当前市值。14.2如已聘请物业估价代理人，借款人有责任向本行全数偿还该代理人所收取的费用，并向本行支付手续费，款额与本行就安排该等物业估价向客户收取的一般费用相同。如本行已委托其内部办事处或部门评估有关物业的价值，本行可向借款人收取手续费，款额与本行就该项服务向客户收取的一般费用相同。所有该等费用及收费均须由借款人应要求立即缴付。14.3为免生疑问，除非本行另有同意，否则借款人应负责支付第14.2条所述款项，即使有关财产最终可能不会因任何理由而被本行接受为该等贷款的抵押品，或该等贷款最终不会向借款人提供或由其使用。15.1借款人应就本行因维护或执行授予本行的便利(包括上文第9条所述的共同使用人(S)使用的便利)或接受借款人通过电话、传真或电子邮件发出的任何指示/通知而可能遭受、招致或承受的任何性质的诉讼、索赔、要求、损失、损害、费用、费用、开支及/或债务，向本行作出全额赔偿。15.2在不损害第4.1条的原则下，如果银行被要求就第4.1条所述的扣缴或扣除支付任何款项，或因该扣留或扣除而招致任何责任，借款人应立即就该等付款或责任赔偿本行。16.1无论该等贷款是否由借款人提取或使用，所有开支，包括但不限于本行就该等贷款或就该等贷款签立的任何文件而合理地招致的法律费用、通讯及其他自付费用，或任何强制执行或企图强制执行本行根据该等贷款函件或就该等贷款签立的其他文件所享有的权利，均应由借款人按全额赔偿原则承担。17.1借款人在此不可撤销地放弃其可能拥有的任何权利或权力，而本行有权在付款时或其后的任何时间将借款人支付给本行或以其他方式由本行管有或控制的任何款项拨归本行，以清偿本行认为适当的任何一项或多项借款人对本行的负债。任何此类拨款应凌驾于借款人声称的任何拨款之上。18.1此外，在不损害银行可能享有的任何一般银行留置权、抵销权或类似权利的情况下，银行在法律允许的最大范围内有权并在此获得不可撤销和无条件的授权，-(A)抵销及运用借款人的任何账户(S)及/或存款(S)中的任何贷方余额(不论以其单独名义或与他人联名)，以及/或本行于本行任何分行或支行(不论是否须予通知，亦不论是否到期)以任何货币存入的任何贷方余额及/或本行应付或欠借款人的任何负债(不论实际或或有)。

12 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 12 19. Authorization to debit account(s) 20. Debt Collection 21. Information alone or jointly with others) against or on account of the obligations and liabilities whatsoever of the Borrower (whether actual or contingent, future or existing) due, owing or incurred to the Bank; and (b) to apply any credit balance in any of the account(s) and/or deposit(s) of the Borrower (whether in its sole name or jointly with others) in whatever currency maintained at any of the Bank's offices or branches or sub-branches (whether the credit balance was originally available in any account maintained with the Bank (formerly known as Po Sang Bank Limited) or any one or more of Bank of China (Hong Kong Branch), The Kwangtung Provincial Bank (Hong Kong Branch), Sin Hua Bank Limited (Hong Kong Branch), The China & South Sea Bank Limited (Hong Kong Branch), Kincheng Banking Corporation (Hong Kong Branch), The China State Bank Limited (Hong Kong Branch), The National Commercial Bank Limited (Hong Kong Branch), The Yien Yieh Commercial Bank Limited (Hong Kong Branch) and Hua Chiao Commercial Bank Limited (collectively the "Merging Banks") prior to the merger of the said Merging Banks on 1st day of October 2001 (the "Date of Merger")) (whether subject to notice or not and whether matured or not) and/or to set off any of the liability of the Bank (whether actual or contingent) due or owing to the Borrower (whether alone or jointly with others) including but not limited to any liability of any one or more of the Merging Banks (whether actual or contingent) which was originally due or owing to the Borrower (whether alone or jointly with others) prior to the Date of Merger, towards satisfaction of or against the Borrower's obligations and liabilities, whether actual or contingent, future or existing, due, or owing or incurred to the Bank, including but not limited to any such obligations and liabilities of the Borrower originally due, owing or incurred to the Bank or any one or more of the Merging Banks prior to the Date of Merger. The Bank shall notify the Borrower promptly after exercising its rights under this Clause 18.1. 18.2 For the purposes aforesaid, the Bank may convert all or any part of the said credit balance or deposit of the Borrower or such liability of the Bank to the Borrower to such other currencies at the applicable rate of exchange quoted and determined by the Bank as may be necessary. 18.3 If any sum is due but unpaid under the Facilities and/or these General Terms and Conditions, the Bank may at any time without further reference to the Borrower, retain all or any securities, valuables or any other property whatever and wherever situate which may be deposited with or otherwise held by the Bank for or in the name of the Borrower whether for safe custody or otherwise and sell the same or any part thereof at such price as the Bank shall determine whether by public auction, private treaty or tender and the Bank may engage such agent or broker therefor and apply the proceeds thereof in satisfaction of any or all sums owing under the Facilities and/or these General Terms and Conditions after first deducting all costs and expenses reasonably incurred by the Bank and the Bank shall not be liable for any loss arising from the sale or other disposition of any such securities, valuables or other property unless caused by the negligence or wilful misconduct of the Bank. 18.4 The rights herein conferred on the Bank are in addition and without prejudice to any rights conferred on the Bank under any Security Documents at any time and from time to time held by the Bank. 19.1 The Bank shall be entitled to debit at any time and from time to time all or any of the interests, fees, charges, commissions, costs, expenses and other sums due and payable by the Borrower in respect of the Facilities from any of the account(s) of the Borrower without prior notice to the Borrower. Such sums shall be deemed duly drawn or overdrawn from the account(s) by the Borrower. 20.1 The Bank shall be entitled to employ debt collecting agent(s) to collect any sum due but unpaid by the Borrower under the Facilities. The Borrower agrees, and acknowledges that the Borrower has been warned, that the Borrower shall indemnify and keep the Bank indemnified on a full indemnity basis against all costs and expenses which the Bank may reasonably incur in the employment of debt collecting agent(s). The Bank shall be entitled to disclose to such debt collecting agent(s) any or all information relating to the Borrower, the Facilities or the Facility Letter. 21.1 The Borrower agrees that it is necessary to supply the Bank with data/information related to the Borrower (including for the purpose of this subclause, that of any party/ies or individual(s) who is/are related to a corporate borrower in whatever capacity) or any information as required by the Bank for assessing the grant, revision and renewal of the Facilities. The Borrower (which for this subclause refers to itself in the case of an incorporated entity and its capacity as the duly authorised agent acting on behalf of the related party/ies and individual(s) including but not limited to the Borrower's holding companies, subsidiaries, affiliates, shareholders, directors and authorized persons, all these parties and individuals are hereinafter collectively

13 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 13 referred as the "Related Parties") authorize the Bank to use any data, information and documents relating to the Borrower and the Related Parties , the Facilities, the Facility Letter or any other agreements or transactions or dealings between the Borrower and/or the Related Parties and /or the Bank in accordance with the Bank's Conditions for Services (as amended and in force from time to time) (the "Conditions") (provided that in the case of an individual, such use will be subject to the Data Policy Notice issued and/or revised by the Bank from time to time (the "Notice"), and the contents and the receipt of which are hereby acknowledged by the Borrower) and notes that such data/information/documents (including the Facility Letter or anything in respect of the Facilities) held by the Bank will be kept confidential but permits the Bank to provide such data/information/documents to the parties referred to in the Conditions or listed in the Notice (as the case may be) or to any of its branches, subsidiaries and holding companies and the branches, subsidiaries and affiliates of any of its holding companies (together the "Bank’s Related Parties") or other persons including but not limited to any person permitted by the Borrower, the professional advisers and any other persons providing services to the Bank or any of the Bank's Related Parties (including, without limitation, credit reference agencies, debt collection agencies, rating agencies, insurers or insurance brokers, credit protection providers), any actual or potential assignee, transferee, participant or sub-participant or any subsequent chargee, mortgagee or encumbrancer in respect of securities held by the Bank for the Facilities or to any person to the extent required by or for compliance of any laws, regulations, guidelines or rules of stock exchange binding on or applicable to the Bank or any of the Bank’s Related Parties or to any person to whom information is required or requested to be disclosed by any court or governmental or regulatory authority to which the Bank or any of the Bank’s Related Parties are subject to or to any person to whom information is required to be disclosed in connection with, and for the purposes of any litigation, arbitration, administrative, mediation or other investigations, proceedings or disputes relating to the Bank or any of the Bank’s Related Parties. The Borrower further authorizes the Bank to contact any of the employers of the Borrower (if applicable), bank, referee, credit reference agencies or any other source for the purpose of obtaining or exchanging any information and to compare the information provided by the Borrower with other information collected by the Bank for checking purposes. The Bank is entitled to use the result of such comparison to take any action which may be adverse to the interest of or against the Borrower. The Borrower also consents to the data/information/documents being transferred to another jurisdiction outside Hong Kong. 21.2 The Borrower undertakes at all times to notify the Bank in writing of any change of the particulars of the Borrower including without limitation the Borrower's address, telephone number and facsimile number. 21.3 The Borrower agrees that the Bank may provide the following information to any Obligors in respect of any Facilities extended by the Bank to the Borrower: - (a) a copy of the contract evidencing the obligations to be guaranteed or secured by any Obligors or a summary thereof; (b) a copy of any formal demand for overdue payment served on the Borrower from time to time; and (c) a copy of the latest statement of accounts provided to the Borrower from time to time on request by any Obligors. 21.4 In the case of an individual Borrower, the Borrower acknowledges that the Bank has provided him with the following information: (a) the Borrower's data may be supplied to a credit reference agency and/or, in the Event of Default, to a debt collection agency; (b) the Borrower's right to be informed, upon request, about what items of data are routinely disclosed to such credit reference agency and/or debt collection agency, and the Borrower's right to be provided with further information to enable the making of a data access and correction request to the relevant credit reference agency or debt collection agency, as the case may be; (c) that, in the event of any default in payment, unless the amount in default is fully paid before the expiry of 60 days from the date such default occurred, the Borrower shall be liable to have his account data retained by the credit reference agency until the expiry of five years from the date of final settlement of the amount in default; and (d) that the Borrower, upon termination of the account by full payment and on condition that there has not been, within five years immediately before such account termination, any material default on the account, will have the right to instruct the Bank to make a request to the credit reference agency to delete from its database any account data relating to the terminated account. 21.5 The Borrower shall promptly supply, or procure the supply of, such documentation and other evidence as reasonably requested by the Bank or pursuant to or in satisfaction of any law or regulation to which the Bank is subject. 21.6 This Clause 21 shall also apply, mutatis mutandis, to any party who has entered into or countersigned the Facility Letter in favour of the Bank, but is not otherwise a party to any other Security Document.

14 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 14 23. Representations, warranties and undertakings 22.1 The Bank may at any time, without consent of or notice to the Borrower, assign or transfer to any party all or any of its rights, benefits, obligations and liabilities under the Facilities and these General Terms and Conditions and the related guarantees, collateral securities and support documents provided that the Borrower, at any time of such assignment or transfer, will not be liable to pay any greater amount than the Borrower would have been liable to pay had no assignment or transfer been made. The Borrower may not assign or transfer any of its rights, benefits, obligations and/or liabilities under the Facilities and/or these General Terms and Conditions to any party except with the prior written consent of the Bank. 22.2 In addition to the other rights provided to the Bank, the Bank may without consulting with or obtaining consent from any Obligor, at any time charge, assign or otherwise create security in or over (whether by way of collateral or otherwise) all or any of its rights under any Facility Letter(s) or Security Document to secure obligations of the Bank including: (a) any charge, assignment or other security to secure obligations to a federal reserve or central bank; and (b) any charge, assignment or other security granted to any holders (or trustee or representatives of holders) of obligations owed, or securities issued, by the Bank as security for those obligations or securities, except that no such charge, assignment or security shall: (i) release the Bank from any of its obligations under the Facility Letter(s) or Security Document or substitute the beneficiary of the relevant charge, assignment or security for the Bank as a party to any of the Facility Letter(s) or Security Document; or (ii) require any payments to be made by an Obligor other than or in excess of, or grant to any person any more extensive rights than, those required to be made or granted to the Bank under the Facility Letter(s) or Security Document. 23.1 The Borrower makes the following representations and warranties to the Bank on the date of its execution of the relevant Facility Letter: - (a) it is a company duly incorporated with limited liability under the laws of the place where it was incorporated (applicable where the Borrower is a limited company); (b) it has a valid and subsisting business registration certificate pursuant to the Business Registration Ordinance (Cap.310 of the Laws of Hong Kong) (where applicable); (c) it has the power and authority and the legal capacity to perform and observe its obligations under the Facility Letter(s), Security Documents and any other ancillary documents executed in the Bank's favour; (d) all necessary corporate and other action (including but not limited to any corporate resolutions required to be passed by the Borrower's shareholders and/or directors) under all applicable laws and regulations (including but not limited to the Borrower's Memorandum and Articles of Association) to which the Borrower is subject has been taken to authorise the use of the Facilities and the execution, delivery and performance of these General Terms and Conditions, the relevant Facility Letter, the Security Documents (if applicable) and any other ancillary documents; (e) these General Terms and Conditions, the relevant Facility Letter, the Security Documents (if applicable) and any other ancillary documents constitute valid and legally binding obligations of the Borrower in accordance with their terms; (f) it is not in default of any payment of any principal of or interest on any indebtedness for borrowed money and is not in breach of or in default under any other provision of any indenture, deed of trusts, agreement or other instrument to which it is a party and under or subject to which any such indebtedness for borrowed money has been issued or incurred and is outstanding and no event, condition or act which with the giving of notice or lapse of time, or both, would constitute an event of default under any such indenture, deed of trust, agreement or other instrument has occurred or is continuing which has not, in each case, been properly waived and/or remedied thereunder; (g) the entry into and performance by it of, and the transactions contemplated by, these General Terms and Conditions, the relevant Facility Letter, the Security Documents (if applicable) and any other ancillary documents, do not and will not conflict with any law or regulation applicable to it, its constitutional documents or any agreement, or instrument binding on it or any of its assets; (h) all information provided by the Borrower was true, complete and accurate in all material respects as at the date it was given or as at the date (if any) at which it is stated and was not misleading in any respect; (i) it is not subject to any existing litigation or arbitration or administrative proceeding or petition for bankruptcy or winding up before any court, tribunal, arbitrator or governmental authority and is not pending any litigation or arbitration or administrative proceeding or petition for bankruptcy or winding up 22. Assignment

15 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 15 and it has no knowledge of (having made all reasonable enquiries) any litigation, arbitration or administrative proceeding or petition for bankruptcy or winding up threatened against the Borrower, or any of its properties or assets, which might, in each case, result in a material adverse change or effect on the business, assets, condition (financial or otherwise) or prospects of the Borrower; (j) there is no arrangement with any other financier to further charge the mortgaged property(ies) under which the Bank is the first mortgagee except for those where prior written consent has been given by the Bank; (k) no Event of Default has occurred, or will occur as a result of execution of any of the Facility Letter(s), Security Documents and other ancillary documents and/or utilizing any of the Facilities, which has not been duly remedied or waived under the Facility Letter and/or these General Term and Conditions; (l) None of the members of the Obligor’s Sanctions Compliance Group and their respective directors, officers and agents: i is the target of any Sanctions, or is owned or controlled by any target of any Sanctions; or ii is located, incorporated, organised or resided in a country or territory that is, or whose government is, the target of Sanctions, which currently includes the Crimean region, Cuba, Iran, the Democratic People's Republic of Korea and Syria. (m) the above representations and warranties shall be repeated and deemed to be made by the Borrower, where applicable, on each advance or drawing of the Facility(ies) and on each interest payment date, in each case by reference to the facts and circumstances then existing. 23.2 The Borrower undertakes with the Bank that it will: (a) promptly notify the Bank in writing on becoming aware of the occurrence of any Event of Default or potential Event of Default or any other events or circumstances which has or might have a material adverse change in or effect on the Borrower's operations, prospects, business or condition (financial or otherwise) or the Borrower's ability to perform its obligations hereunder and under the Facility Letter, other Security Document(s) or any other ancillary documents; (b) duly pay or cause to be paid all taxes, duties and other governmental charges imposed upon the Borrower; (c) from time to time (including in respect of the net exposure of one or more transactions under the Facilities) upon the demand of the Bank provide or procure to be provided to the Bank further cash or security acceptable to the Bank having current market value of not less than the then outstanding Facilities and/or the net exposure thereunder; (d) ensure that the Borrower's obligations hereunder and under the Facility Letter, whether actual or contingent, are not subordinated to, and that they will at all times rank at least pari passu in priority of payment and in all other respects with any other of the Borrower's unsecured obligations, except to the extent that such obligations are preferred solely by operation of law; (e) comply in all respects with all laws and regulations to which it may be subject, if failure so to comply would materially impair its ability to perform its obligations under the Facilities and Security Documents to which it is a party; (f) promptly notify the Bank in writing of any change of the Borrower's particulars or the particulars of any third party guarantor(s) or security provider(s) in respect of the Borrower's liabilities including without limitation its/their address(es) and/or telephone number(s) and/or facsimile number(s); (g) (in case of the Borrower being a firm, partnership or company) promptly upon the Bank’s request supply or procure to be supplied to the Bank all information, books, documents, accounts, instruments, computer or other records, orders, correspondence (whether original or copy) and other evidence (in whatever form) relating to the Facility(ies) and collection and enforcement of the Facility(ies). The Borrower shall allow any officer, employee, advisors, duly authorized representative or agent of the Bank, at all reasonable times, to attend any premises of or occupied by the Borrower or where the Borrower carries on business to inspect, check, verify and copy (at the Borrower’s expense) any of the above as the Bank may require from time to time; (h) promptly supply or procure to be supplied to the Bank such other documents or information reasonably required by the Bank from time to time; and (i) (in case of the Borrower being a firm, partnership or company) comply with, and (in any other case where any third party guarantor(s) or security provider(s) is involved) ensure any such third party guarantor(s) or security provider(s) to comply with, in each case in all material respects, with all environmental laws (including but not limited to obtain and maintain all environmental permits relevant to the operation of their business activities in the relevant countries) applicable to it or the relevant third party guarantor(s) or security provider(s); and (j) not directly or indirectly use, lend, contribute or otherwise make available any service or facility provided by the Bank or any proceeds thereof, or permit the same to be used, lent, contributed or otherwise made available, (i) to fund any activities or business of or with any person, or in any country or territory, that, at the time of such funding, is, or whose government is, the target of any Sanctions; or (ii) in any manner that would result in a violation of any Sanctions by any person in any capacity. 23.3 In the case where the Borrower is a firm, partnership or company, that it undertakes with the Bank that it will NOT unless the Bank otherwise expressly agrees in writing: (a) merge, or consolidate with or into any other corporation or take any step with a view to dissolution, liquidation or winding up; (b) make any material change to the nature of the Borrower's business as presently carried on;

16 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 16 24. Events of Default 25. Liability of the Bank (c) create, incur or suffer or permit to exist any charge or security interest upon any of the Borrower's property, assets, revenues and rights, present or future, except (i) in favour of the Bank or (ii) being any lien arising by operation of law and in the ordinary course of trading or entered into in the ordinary course of its banking arrangements provided that in each case the debt secured thereby is paid when due or contested in good faith; (d) make loans, advance moneys, grant credit to or guarantee or indemnify the liability of any person, firm or company, except for any trade credit extended to its customers on normal commercial terms and in the ordinary course of its trading activities or as permitted by the purpose of the Facility(ies); (e) [intentionally left blank]; (f) sell, assign or dispose any of its major assets or business (as determined by the Bank) to any third party unless the proceeds of such sale, assignment or disposal are for the repayment of any outstanding under the Facilities. 23.4 In the case where the Borrower is a firm or partnership, it undertakes with the Bank that it will promptly inform all withdrawing, retiring and joining partners in writing of the representations and warranties in this Clause 23. 24.1 Without prejudice to the other provisions herein, all amounts (including principal and interest) due or owing by the Borrower to the Bank shall, without any demand, become immediately due and payable by the Borrower and the Bank shall not be required to make any further advances under any of the Facility(ies) upon the occurrence of any of the following events of default: - (a) the failure by any Obligors to pay any principal, interest, charges or other costs and expenses payable to the Bank in connection with the Facility(ies) on the due date; (b) the Borrower's failure to pay any money, debts and liabilities owing or incurred, due but unpaid to the Bank in any manner howsoever or on any account whether as principal or surety and whether alone or jointly with any other person, firm or corporation; (c) any of the representations, warranties, undertakings, covenants or statements of any Obligors under the Facility Letter and/or these General Terms and Conditions and/or the Security Documents and any other ancillary documents or any information or document delivered by any Obligors to the Bank is incorrect or misleading in any material respect; (d) any distress, attachment, sequestration, execution or other legal process is levied, enforced or sued out on or against the assets of any Obligors; (e) an event occurs which, in the opinion of the Bank, has or might have a material adverse change in or effect on the business, assets condition (financial or otherwise) or prospects of any Obligors or affect or prevent the ability of any Obligors to perform its obligations under the Facility Letter and/or the Security Documents; (f) a payment default occurs under the provisions of any agreement or instrument evidencing or securing any financial indebtedness of any Obligors or any such financial indebtedness becomes payable or capable of being declared payable before its stated maturity; (g) a petition is presented or proceedings are commenced or an order is made or an effective resolution is passed for the bankruptcy or winding up of any Obligors or for the appointment of a liquidator, receiver, official administrator or similar officer in respect of any Obligors or all or any part of its business or assets or if any Obligors otherwise becomes insolvent or bankrupt under any court of law; (h) without prejudice to paragraph (a) above, failure of any Obligors to comply with any provision contained in these General Terms and Conditions, the Facility Letter and/or the Security Documents and any other ancillary documents which is not capable of remedy or, if can be remedied, has not been remedied within seven days of the earlier of notice from the Bank requiring its remedy or any Obligors becoming aware of the failure to comply; (i) any change to the direct or indirect shareholding of the Borrower or any guarantor without the prior written consent of the Bank (except if the Borrower or such guarantor is a company listed on any stock exchange); (j) any governmental, tax, monetary or other approval required by any Obligors in connection with the Facilities is withdrawn or revised in a way prejudicial to the interest of the Bank under the Facilities, these General Terms and Conditions, the Facility Letter or any Security Documents or any other ancillary documents; (k) any present or future security on or over the assets of any Obligors becomes enforceable; (l) it becomes unlawful for any Obligors to perform any of its obligations under these General Terms and Conditions, the Facility Letter, any Security Document or any other ancillary documents; and (m) the occurrence of any event which under the law of any relevant jurisdiction, has an analogous or equivalent effect to any event mentioned in this Clause 24.1. 25.1 The Bank shall not be liable for any loss or damage suffered by the Borrower or any other person as a result of:- (a) the withdrawal or suspension of any transaction of the Borrower or for any failure to effect or execute any of the order or instruction from the Borrower whether it is attributable, either directly or indirectly, to any

17 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 17 26. Financial Statements/Information 27. Miscellaneous circumstances or events outside the control of the Bank; and/or (b) (i) any mechanical, electronic or other failure, malfunction, interruption, inaccuracy or inadequacy of the Bank's telecommunication and computer system or other equipment or its installation or operation; (ii) any incomplete or erroneous transmission of any instruction or order of the Borrower or any error in the execution of any such instruction or order (except negligence or wilful misconduct of the Bank's authorized officers) nor for any delay, loss (including loss of profit or any economic loss), expenses or damages whatsoever incurred or suffered by the Borrower as a result of (i) and /or (ii) above; and/or (c) any delay, interruption or suspension howsoever caused by any third party, including but not limited to service providers or equipment suppliers, which interferes with, affects or disrupts the performance of the Bank hereunder; and/or (d) any instruction / notice given by the Borrower through telephone, facsimile or electronic mail having been acted upon by the Bank. 25.2 In the case of any POD, the Bank shall have absolute discretion to refuse to purchase or discount any Payment Order without giving any reason therefor. In addition and without prejudice to the Bank's right under all existing terms and conditions, the Bank has full recourse against the Borrower in respect of any or all of the Payment Orders purchased or discounted by the Bank from the Borrower and the Borrower shall refund to the Bank on demand at any time, whether prior to the maturity of the Payment Order or otherwise, the sum paid to the Borrower by way of the purchase or discount of the Payment Order together with interest thereon from the date of the Bank's payment to the Borrower up to the refund by the Borrower in full. 26.1 In case the Borrower and/or any Obligors is a limited company, the Bank shall be entitled, at any time and from time to time require the Borrower to furnish to the Bank: - (a) within ninety (90) days after the end of every six (6) months of each accounting period, copies of the unaudited consolidated and/or unconsolidated financial statements of the Borrower and (if applicable),any Obligors and the Borrower's subsidiary companies duly certified by the Borrower's director(s) and (if applicable) the director(s) of any Obligors and/or the Borrower's subsidiary companies to be true copies of the original unaudited consolidated and/or unconsolidated financial statements; and (b) within one hundred and eighty (180) days from the close of the financial year of the Borrower, or (if applicable) any Obligors and the Borrower's subsidiary companies, the original audited consolidated and/or unconsolidated annual financial statements of the Borrower or (if applicable) any Obligors and the Borrower's subsidiary companies for such year or copies of such audited consolidated and/or unconsolidated annual financial statements duly certified by the Borrower's director(s) and (if applicable) the director(s) of any Obligors and/or the Borrower's subsidiary companies to be true copies of the original audited consolidated and/or unconsolidated annual financial statements. 26.2 In case the Borrower is a sole-proprietorship or partnership, the Borrower shall furnish to the Bank at the request of the Bank copies of the Borrower's financial statements duly certified by the sole-proprietor or partner(s) of the Borrower to be true copies of the original and such other information about the Borrower. 26.3 In case the Borrower is an individual, the Borrower shall furnish to the Bank at the request of the Bank certified copies of the Borrower updated income tax return, bank statements and such other information as the Bank shall from time to time require. 26.4 The Borrower shall procure that each set of financial statements delivered pursuant to Clauses 26.1 and 26.2 are prepared according to relevant generally accepted accounting principles. 27.1 Subject to prior notice to the Borrower, the Bank reserves the absolute right to vary the terms of the Facilities, to increase, reduce and/or cancel any Facility or any part thereof at any time and from time to time, including without limitation, the basis of calculation of any interest, charges, commissions, fees or default interest payable under the Facility Letter(s) and to vary these General Terms and Conditions (including without limitation the Default Margin or the Default Administrative Charges), to impose a commitment fee on the daily undrawn balance of the Facilities granted, and/or to impose any additional handling charges at such rate as determined by the Bank at its sole discretion. Any variation, amendment or supplement shall be binding on the Borrower(s) if the Borrower(s) do(es) not terminate the Facility(ies) after receiving any notice of such variation, amendment or supplement. 27.2 No failure, delay or omission by the Bank in exercising any right, power, privilege or remedy shall impair such right, power, privilege or remedy or be construed as a waiver thereof, nor shall any single or partial exercise of any right, power, privilege or remedy preclude any further exercise of any other right power, privilege or remedy. Rights, powers, privileges and remedies herein provided are cumulative and do not exclude those

18 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 18 provided by law. 27.3 Subject to Clause 27.4, any notice, demand or other communication to the Borrower shall be sent to the Borrower's last known address or such other address as may have been notified in writing by the Borrower to the Bank and, if (i) delivered personally, shall be deemed to have been given at the time of such delivery; (ii) despatched by letter postage prepaid, shall be deemed to have been given twenty-four (24) hours after posting; and (iii) transmitted by facsimile or other electronic means, shall be deemed to have been given at the time of despatch, provided that the Bank may give oral notice to the Borrower and if it consists of more than one person, any one of them, whether personally or through the telephone, and any oral notice so given shall be immediately effective and binding upon the Borrower. Subject to Clause 11.4, any notice or communication to the Bank shall not be effective until actually received by the Bank. If the Borrower consists of more than one person, any notice, demand or other communication shall be effective on the Bank only if given by each of them and on all of them if given by the Bank to any of them. 27.4 The Bank reserves the right to notify the Borrower of any variation of these General Terms and Conditions or any fees or changes in the standard charges for or relating to the Facilities, the Default Margin, the default interest set out in Clause 6.2 above, the Default Administrative Charges or the basis of calculation of any of them by notice displayed or posted up in the Bank's banking halls. 27.5 These General Terms and Conditions are in addition and without prejudice to the Bank's rights under all existing or future security and/or legal documents (if any) held by the Bank. 27.6 If the Borrower shall consist of more than one person and any Facilities are made available to such Borrowers jointly, the liabilities of the Borrowers to the Bank under those Facilities shall be joint and several and each and every provision of the Facility Letter and the terms herein shall be construed accordingly. If the Borrower is a firm (whether partnership or sole proprietorship), the Facility Letter and the terms herein shall be binding jointly and severally on all persons now or for the time being or at any time hereafter carrying on business in the name of the said firm or in succession to the said firm notwithstanding any change of members or constitution thereof. 27.7 Save as provided for in Clause 27.8, in case of conflict between (1) the terms of the Facility Letter, (2) these General Terms and Conditions and (3) any of the terms contained in the documentation mentioned in the relevant Facility Letter, (a) the terms of the Facility Letter shall prevail over these General Terms and Conditions and the terms referred to in (3), and (b) the terms referred to in (3) shall prevail over these General Terms and Conditions. 27.8 In the case where mortgage/legal charge forms prescribed by the Hong Kong Housing Authority, Hong Kong Housing Society or other similar bodies or authorities are used, whenever there is any conflict between the terms of the Facility Letter, these General Terms and Conditions and any of the terms contained in the mortgage/legal charge forms, the terms of the mortgage/legal charge forms shall prevail. 27.9 Any provision in the Facility Letter and/or these General Terms and Conditions which is or is declared by any court or tribunal of competent jurisdiction to be illegal, invalid or unenforceable in any respect under applicable law shall be severed from the Facility Letter and/or these General Terms and Conditions (as the case may be) to the maximum extent permissible by such applicable law without in any manner affecting the legality, validity or enforceability of the remaining provisions of the Facility Letter and/or these General Terms and Conditions (as the case may be), all of which shall continue in full force and effect. 27.10 In the case where a facility is subject to a separate set of General Terms and Conditions, if there is any conflict between these General Terms and Conditions and the General Terms and Conditions for the specific facility, the latter shall prevail. 27.11 Unless contrary intention appears, words importing the singular number shall include the plural number and vice versa and words importing the masculine gender shall include the feminine gender and the neuter gender. 27.12 References to any regulation includes any regulation, rule, official directive, request or guideline (whether or not having the force of law) of any governmental, intergovernmental or supranational body, agency, department or regulatory, self-regulatory or other authority or organization. 28. Third Party Rights 28.1 Subject to Clause 28.3, a person who is not a party to any Facility Letter has no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) (the "Third Parties Ordinance") to enforce or to enjoy the benefit of any term of such Facility Letter and/or these General Terms and Conditions. 28.2 Notwithstanding any term of any Facility Letter and/or these General Terms and Conditions, the consent of any person who is not a party to such Facility Letter is not required to rescind or vary such Facility Letter and/or these General Terms and Conditions at any time. 28.3 Any director, officer, employee, affiliate or agent of the Bank or any of the Bank’s Related Parties may, by virtue of the Third Parties Ordinance, rely on any provision of any Facility Letter and/or these General Terms and Conditions which expressly confers rights on that person.

19 T & C for GBF & Loans Facility(ies) 202307_revised (LD/2023/7274) (香港)有限公司 BANK OF CHINA (HONG KONG) LIMITED 19 29. Language 30. Governing Law 28.4 This Clause 28 shall apply upon the commencement date of the Third Parties Ordinance (being 1 January 2016). 29.1 The Chinese version of the Facility Letter and these General Terms and Conditions are for reference only and if there is any conflict between the English version and the Chinese version, the English version shall prevail. 30.1 The Facility Letter and these General Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong. The Borrower hereby irrevocably submits to the non-exclusive jurisdiction of the courts of Hong Kong.