INFORMATION OF THE BORROWER Clause Samples

INFORMATION OF THE BORROWER. The Borrower is a company incorporated in Hong Kong with limited liability, principally engaged in the import declaration of wafers and masks in Korea, and is responsible for sales of such products.

INFORMATION OF THE BORROWER. The Borrower is a company incorporated in Hong Kong with limited liability and is engaged in the provision of internet infrastructure solutions, offering a range of services including consultancy, planning, design, operations, maintenance services, project investment collaboration, outsourced design and construction services, and business collaborative operations to carriers and internet companies.

INFORMATION OF THE BORROWER. The Borrower is a company incorporated in British Virgin Islands with limited liability and is engaged in the business of investment holding. To the best of the Directors’ knowledge, information and belief of Director having made all reasonable enquiries, the Borrower is an Independent Third Party and not connected with the Group.

INFORMATION OF THE BORROWER. The Borrower is a company incorporated in Bermuda with limited liability and its principal activities are securities trading and investments. To the best of the Directors’ knowledge, information and belief of Directors having made all reasonable enquiries, the Borrower and its ultimate beneficial owner are Independent Third Party and not connected with the Group. The Borrower is an indirect wholly owned subsidiary of Oshidori.

INFORMATION OF THE BORROWER. Two Customers are individuals. Two Customers are repeat customers of the Group and their outstanding loan amount due to the Lender, prior to the grant of the New Loan, was HK$4,400,000. To the best of the Directors’ knowledge, information and belief having made all reasonable enquiry, Two Customers are Independent Third Parties and not connected with the Group. The Loan Amount is secured and carry an interest rate of 17% per annum and 18% per annum respectively which was determined with reference to the factors including, among others, (i) the usual practice of the Group comparing to the Group’s other clients; and (ii) the rules under section 24 of the Money Lending Ordinance (Cap. 163 of the laws of Hong Kong). The Group is principally engaged in money lending business, investment holding, and trading and distribution of motor vehicles in Hong Kong. The Directors are of the view that the entering into of the New Loan Agreement is in the Group’s ordinary and usual course of business; and on normal commercial terms within the meaning of the Listing Rules. The Directors consider that the terms of the New Loan Agreement are fair and reasonable and thus the entering into of the New Loan Agreement is in the interests of the Company and the Shareholders as a whole.

INFORMATION OF THE BORROWER. The Borrower is a merchant who has become a new customer of the Group upon entering into the Loan Agreement and was referred by an independent mortgage consultant to the Group. To the best knowledge, information and belief of the Directors after having made all reasonable enquiries, the Borrower is an Independent Third Party and not connected with the Company under the Listing Rules.

INFORMATION OF THE BORROWER. The Borrower is a company incorporated in the Cayman Islands and is principally engaged in the provision of fund management and external investment. INFORMATION OF THE GROUP The Company is an investment holding company. The Group is principally engaged in the provision of financial services, including (i) financial leasing; (ii) investment in listed and unlisted securities; (iii) money lending business; and (iv) operation of an asset trading platform. DEFINITIONS ‘‘Board’’ the board of Directors ‘‘Borrower’’ Shandong Hi-Speed Investment Fund Management Limited, a company incorporated in the Cayman Islands and the borrower under the Loan Agreement, which is ultimately beneficially owned by Shandong Hi-Speed, 秦中月 (▇▇▇ ▇▇▇▇▇ ▇▇▇) and 李冉 (▇▇ ▇▇▇) as to 49%, 41% and 10% respectively ‘‘CIF Finance’’ C.I.F. Financial Limited (中新金財務有限公司), a limited liability company incorporated in Hong Kong and an indirect wholly-owned subsidiary of the Company and a licensed money lender under the Money Lenders Ordinance (Chapter 163 of the Laws of Hong Kong) ‘‘Company’’ China Innovative Finance Group Limited 中國新金融集團有限公司, a company incorporated in Bermuda with limited liability, the issued Shares of which are listed on the Main Board of the Stock Exchange ‘‘Date of Advance’’ 16 January 2017 ‘‘Directors’’ the directors of the Company ‘‘Group’’ the Company and its subsidiaries ‘‘Hong Kong’’ the Hong Kong Special Administrative Region of the People’s Republic of China ‘‘Listing Rules’’ the Rules Governing the Listing of Securities on the Stock Exchange ‘‘Loan’’ a loan in the principal amount of HK$7,700,000 advanced by CIF Finance to the Borrower ‘‘Loan Agreement’’ the loan agreement dated 16 January 2017 entered into between CIF Finance and the Borrower in respect of the Loan ‘‘Maturity Date’’ the date falling on the expiry of one-year period after the Date of Advance ‘‘Shangdong Hi- Speed’’ 山東高速集團有限公司 (Shandong Hi-Speed Group Co. Ltd.), a company established in the People’s Republic of China, a state- owned enterprise and a substantial shareholder of the Company ‘‘Shares’’ ordinary shares of HK$0.00025 each in the capital of the Company ‘‘Shareholders’’ holders of the Shares ‘‘Stock Exchange’’ The Stock Exchange of Hong Kong Limited ‘‘HK$’’ Hong Kong dollars, the lawful currency of Hong Kong ‘‘%’’ per cent. Hong Kong, 17 January 2017

INFORMATION OF THE BORROWER. The Borrower is a limited liability company established in the PRC which is principally engaged in comprehensive construction investment integrating municipal, highway, rail transit, housing construction, decoration, mechanical and electrical installation engineering construction, machinery rental and construction technology consulting. As an intellectually intensive, technology-intensive group company, now the Borrower has a municipal public works construction general contracting grade one qualification, highway construction general contracting grade one qualification, housing construction general contracting grade one qualification, mechanical and electrical equipment installation engineering professional contracting grade one qualification, building decoration engineering professional contracting grade qualification, bridge engineering professional contracting grade two qualification, tunnel engineering professional contracting grade two qualification, pressure pipeline installation GB1, GB2 (2) level qualification. As at the date of this announcement, the ultimate beneficial owners of the Borrower are ▇▇▇▇ ▇▇▇▇▇▇▇▇ (as to 51% of the entire equity interest in the Borrower) and the People’s Government of Beijing Municipality (as to 49% of the entire equity interest in the Borrower). To the best of the Directors’ knowledge, information and belief having made all reasonable enquiries, the Borrower and its ultimate beneficial owners are third parties independent of the Company and its connected persons. Xiamen International Bank is a financial institution established in the PRC. As one or more of the applicable percentage ratios (as defined in Rule 14.07 of the Listing Rules) in respect of the Guarantee are more than 5% but less than 25%, it constitutes a discloseable transaction of the Company and is subject to the reporting and announcement requirements under Chapter 14 of the Listing Rules.

INFORMATION OF THE BORROWER. ▇▇▇▇▇▇▇▇ A is a merchant who is the sole director and the sole ultimate beneficial owner of Borrower B. To the best knowledge, information and belief of the Directors after having made all reasonable enquiries, the Borrowers are independent third parties not connected with the Company or connected persons of the Company. The Company is an investment holding company and its subsidiaries are principally engaged in the provision of financial services, including (i) commercial and personal lending as well as margin and initial public offering financing; (ii) brokerage, wealth management and asset management; (iii) placing and underwriting services for listed issuers; and (iv) corporate finance advisory services. The Lender is a registered money lender holding a valid money lenders licence under the Money Lenders Ordinance (Chapter 163 of the Laws of Hong Kong) and is principally engaged in the business of money lending services. The provision of the Loan Facility is a transaction carried out as part of the ordinary and usual course of business activities of the Group. The Loan Facility is funded by internal resources of the Group. The terms of the Loan Agreement were negotiated on arm’s length basis between the Lender and the Borrowers and were on normal commercial terms based on the Group’s credit policy. Taking into account the results of the due diligence on the financial background and repayment ability of the Borrowers and the stable interest income expected to be generated from the Loan Facility, the Directors consider that the terms of the Loan Agreement are fair and reasonable and the entering into of the same is in the interests of the Company and its Shareholders as a whole.