Sino Credit : Circulars - (1) Proposed Change of Company Name (2) Appointment of Auditor and (3) Notice of Special General Meeting

If you are in any doubt as to any aspect of this circular or as to the action to be taken, you should consult your stockbroker or other registered dealer in securities, bank manager, solicitor, professional accountant or other professional adviser. If you have sold or transferred all your shares in Sino Credit Holdings Limited, you should at once hand this circular, together with the accompanying form of proxy to the purchaser or to the transferee or to the bank, stockbroker or other agent through whom the sale was effected for transmission to the purchaser or the transferee.

Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this circular, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this circular.

(Incorporated in Bermuda with limited liability)

(Stock Code: 628)

1. PROPOSED CHANGE OF COMPANY NAME
2. APPOINTMENT OF AUDITOR AND
3. NOTICE OF SPECIAL GENERAL MEETING

A letter from the Board is set out on pages 2 to 5 of this circular.

A notice convening the SGM to be held at Suite 2912, 29/F, Two International Finance Centre, 8 Finance Street, Central, Hong Kong on Monday, 6 February 2017 at 10:00 a.m. is set out on pages SGM-1 to SGM-2 of this circular. Whether or not you are able to attend the SGM, please complete and return the enclosed form of proxy in accordance with the instructions printed thereon as soon as possible and in any event not less than 48 hours before the time appointed for holding the SGM (or any adjourned meeting thereof). Completion and delivery of the form of proxy shall not preclude you from attending and voting in person at the SGM (or any adjournment thereof) should you so wish and in such event, the form of proxy previously submitted shall be deemed to be revoked.

6 January 2017

Page

Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Letter from the Board . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Notice of the Special General Meeting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SGM-1

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In this circular, unless the context otherwise requires, the following expressions have the following meanings:

"Appointment of Auditor" the appointment of Ernst & Young as the auditor of the Company

following the resignation of HLB, the former auditor of the Company

"Board" the board of Directors

"Change of Company Name" the proposed change of the English name of the Company from

"Sino Credit Holdings Limited" to "Gome Finance Technology Co., Ltd." and the adoption of "國美金融科技有限公司" as the secondary name in Chinese to replace its existing Chinese name "華銀控股有限公司" which is currently used for identification purposes only

"Company" Sino Credit Holdings Limited (stock code: 628), a company incorporated in Bermuda with limited liability and the issued Shares of which are listed on the Main Board of the Stock Exchange

"Director(s)" the director(s) of the Company

"Group" the Company and its subsidiaries from time to time

"HLB" HLB Hodgson Impey Cheng Limited

"Hong Kong" the Hong Kong Special Administrative Region of the People's Republic of China

"Listing Rules" the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited, as amended, supplemented or otherwise modified from time to time

"SGM" the special general meeting of the Company to be held at 10:00 a.m. on Monday, 6 February 2017 at Suite 2912, 29/F, Two International Finance Centre, 8 Finance Street, Central, Hong Kong, the notice of which is set out on pages SGM-1 to SGM-2 of this circular

"Share(s)" the ordinary share(s) of HK$0.10 each in the share capital of the Company

"Shareholder(s)" the holder(s) of Share(s)

"Stock Exchange" The Stock Exchange of Hong Kong Limited

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(Incorporated in Bermuda with limited liability)

(Stock Code: 628)

Executive Directors: Registered Office:

Mr. Chung Tat Fun (Chairman) Clarendon House

Mr. Ding Donghua 2 Church Street

Mr. Zhang Jun Hamilton HM 11

Bermuda

Non-executive Director:

Ms. Wei Qiuli Head office and principal place

of business in Hong Kong:

Independent non-executive Directors: Suite 2912, 29th Floor

Mr. Zhang Liqing Two International Finance Centre

Mr. Li Liangwen 8 Finance Street, Central

Mr. Hung Ka Hai Clement Hong Kong

6 January 2017

To the Shareholders

Dear Sir or Madam,

1. PROPOSED CHANGE OF COMPANY NAME AND
2. APPOINTMENT OF AUDITOR

I. INTRODUCTION

Reference is made to the announcement of the Company dated 20 December 2016 in relation to the resignation of HLB as the auditor of the Company with effect from 19 December 2016 and the announcement of the Company dated 23 December 2016 in relation to, among other matters, the proposed Change of Company Name and the Appointment of Auditor.

The purpose of this circular is to provide you with information regarding the Change of Company Name and the Appointment of Auditor and to give you notice of the SGM in order to enable you to make an informed decision as to whether to vote for or against the special resolution relating to the Change of Company Name and the ordinary resolution relating to the Appointment of Auditor.

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