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Use of Proceeds We expect to receive total estimated net proceeds from this offering of approximately US$158.0 million, based on the midpoint of the price range set forth on the cover page of this prospectus after deducting estimated underwriting discounts and commissions and expenses of this offering that are payable by us. Each US$1.00 increase (decrease) in the public offering price per ADS would increase (decrease) our net proceeds, after deducting estimated underwriting discounts and commissions and expenses, by US$11,875,000. We intend to use the net proceeds from this offering for general corporate purposes, which may include funding organic growth through an increase in loan volume, portfolio investments and other income-generating activities; financing expansion of and improvements to our infrastructure; and pursuing potential future acquisitions and other strategic investments. We are unable to estimate the application of the anticipated net proceeds from this offering to our anticipated uses of those proceeds as of the date of this prospectus. We will not receive any of the net proceeds from the sale of ordinary shares in the form of ADSs being offered by the selling shareholders.