Oi Wah Pawnshop Credit Holdings Limited (1319) announced that its indirect wholly owned subsidiary entered into a second supplemental agreement on 23 October 2025, modifying the existing terms of Facility Agreement A previously disclosed in an announcement dated 7 May 2025.

Under the new arrangement, the maturity date for Loan A changes from 6 August 2025 to 6 February 2026. The interest rate will also be adjusted to the higher of (1) the aggregate of 1-month HIBOR and 11% per annum, or (2) 14% per annum, effective retroactively from 7 September 2025. Other principal terms of the initial facility agreement remain unchanged.

According to the announcement, the modifications were negotiated on an arm’s length basis, taking into account market interest rates and the additional revenue expected from the extended term and increased interest rate. The board of directors considers the revised terms fair and reasonable, concluding that the new agreement is in the interests of the company and its shareholders as a whole. The transaction is disclosed in compliance with Rule 14.36 of the Listing Rules.