Finance Charges for all gaming related transactions HLB

Effective 18 December 2014, the finance charges for all betting and gaming transactions, which include purchase of lottery tickets and gaming chips at gaming casinos andclubs, off track betting and wagers at race tracks will be calculated on a daily rest basis at the rate of 18% per annum or such other rates as we may specify from time to timeon the transaction amount taken, calculated from the date of transaction until payment in full.