GEM GEM GEMGEMGEM GEMGEM 目錄 245689102531 James Fu Bin Lu Li Qing Ni James Fu Bin Lu James Fu Bin Lu 18824 Canon’s Court, 22 Victoria Street,Hamilton, HM 12,Bermuda 13 5 7 9 11131701-3 http://www.lifeconcepts.com GEM Appleby Global Corporate Services (Bermuda) Ltd.Canon’s Court, 22 Victoria Street,Hamilton, HM 12,Bermuda 8056 148212103B 9.367.9%4.631.5% i. ii. 1. Canon’s Court, 22 Victoria Street, Hamilton, HM 12, Bermuda13 5 7 9 11131701-3 (i)(ii)(iii)(iv)TotalCommitment Holdings LimitedTotal Commitment (HK)Ideal Winner InvestmentsLimitedMinrishLimitedMinrishIndoGold LimitedIndoGoldJugdishJohnnyUttamchandaniUttamchandani 2. GEM1834 189,430,0004,423,000 3. 4. 5. 15 5. (ii) 9 5. 5. 4 5. 11,000358,000 5. 10% 7. 728.25%216.5%16.5% 25% 99,000273,000 9. 10. (a) (b) 11. 9,476,00012,895,0005,803,00012,895,000 3203030 9 12. 1,998,0001,948,000378,000328,00090 13. 70,105,00070,332,0001.8%4.1%1.8%4.1% 15. 16. (a) (i)2,310,0002,431,000(iv)2,310,0002,431,000 16. (a) (iv)4.785%14,161,00014,161,000 17. 3.85% (i)(ii)(iii) COVID-19COVID-19COVID-19 COVID-19COVID-19COVID-19 16,000 388,000 (i)(ii)2532 (i)(ii)(iii)(iv) 24.117.572.6%6.6(i)COVID-19 COVID-19 2.64.9 7.60.681.3%19.5% 0896,000 17.312.84.5 7,0007.40.08%25.39%(i)(ii) 20,00011,000 16 4.510.1 (i) (ii) 143.5139.32.22.288.084.842.137.6131.3122.40.320.31 248.9%244.4%197.5168.969.169.1 2 COVID-19 70,105,00070,332,000 461196,561,00017,266,000 571XVXV78GEM5.465.67 XV352GEM5.46 XV23336 TruePromiseLaw73.50%25%True PromiseLawTrue PromiseLaw XV23336 GEM GEMGEM11.04 GEM5.485.67 GEM C.2.1 James Fu Bin Lu GEM5.28 GEM 1. LifeConcepts HoldingsLimitedJinyu Mantang Holdings Limited 2.