觀塘成業街10號電訊一代廣場30樓D2室
    Room D2,30/F TG Place,10 Shing Yip Street,Kwun Tong
    Money Lenders License No.放債人牌照號碼: 0909/2020
    MEMORANDUM UNDER
    SECTION 18 OF THE MONEY LENDERS ORDINANCE
    An agreement was entered into on (the "Agreement") between (the "Borrower") as borrower and Rich Silver Finance Limited (the "Lender") as lender whereby the Lender offered a revolving loan facility (the "Loan") and the Borrower accepted the same. Both parties hereby confirm, declare and agree that the terms of the Agreement are as follows:
    (a) Name and address of the Lender:
    Name:   Rich Silver Finance Limited
    Address:  Room D2, 30/F TG Place, 10 Shing Yip Street, Kwun Tong
    (b) Name and address of the Borrower:
    Name:  劉俊傑
    Address: 清水灣上洋村3號
    (c) Name and address of the Surety/Guarantor (if any):
    N/A
    (d) Maximum principal amount of the Loan Facility:  HK$24,500.00  HONG KONG DOLLARS TWENTY-FOUR THOUSAND FIVE HUNDRED ONLY
    (e) Date of making the Agreement:  17-Nov-2020
    (f) Commitment period during which the Lender shall make available the Loan Facility to the Borrower:
     17-Nov-2020 to 2-Jun-2021
    (g) Terms of repayment of the Loan:  7
    (h) Security for the Loan Facility:  N/A
    (i) The rate of interest charged on the Loan expressed as a rate per cent per annum or the rate per cent per annum represented by the interest charged as calculated in accordance with Schedule 2 of the Money Lenders Ordinance:
    58.000%
    (j) Place of negotiation:
    (k) Place of completion of the Agreement for the Loan Facility:
    (l) A summary of the provisions of the Money Lenders Ordinance Attached hereto is a copy of Schedule 3 to the Money Lenders Regulations 1988 which contains a summary of the Money Lenders Ordinance required by Section 18(1)(b) of the Ordinance.
    Dated:23-Oct-2020
    Signed by the Borrower        In the presence of       
    Signed by the Lender         In the presence of