The mortgage interest rate of Shang Hui Bank fluctuates on the basis of the benchmark interest rate of commercial loans, with a fluctuation range of 0.5 to 2 percentage points. The benchmark interest rate for commercial loans is:

1. The benchmark interest rate for commercial loans is 4.35% within one year.

2. The benchmark interest rate of commercial loans for one to five years is 4.75%.

3. If the loan term is more than five years, the benchmark interest rate for commercial loans is 4.90%.

The above interest rates are for reference only, subject to the actual interest rate applied.