Dear Customers and Partners,

We have recently become aware of promotional activities related to "U card" applications being conducted by a company named "Pandapay".

To protect the interests of the public and the reputation of our company, PFH Finance Limited hereby solemnly declares that we have no cooperation or affiliation of any kind with the company known as Pandapay. Any of its promotional activities regarding "U card" applications are not the business activities of our company.

We advise our customers and the public to remain vigilant and not to provide personal information through any unofficial channels. All official information and business activities of our company will be announced on our official website.

Should you have any questions, please do not hesitate to verify with us through our official channels below.

Official Website: https://pfhcard.com/

Customer Service Email: [email protected]

Customer Service Phone: +852 3188 8902

Thank you for your continued support and trust in PFH Finance Limited.

Sincerely,

PFH Finance Limited

23 September 2025