Product definition:

“Financing Treasure ” loan refers to the loans issued by Jiutai Rural Commercial Bank to the economic organizations and peasant natural persons under its jurisdiction, to which they are willing to take the rural houses, land management rights and forest rights owned by them according to law as collateral.

Prospective borrower:

The prospective borrowers shall be natural persons, other economic organizations and individual businesses with full capacity of civil conduct.

Conditions of loan:

（1）The basic conditions that corporate rural enterprises shall have:

1. Holders of “License of the Business Corporation ” or “Business License”, “Tax Registration Certificate”, “Organization Code Certificate” and other valid documents issued by the related departments;

2. Having opened basic accounts or general accounts with Jiutai Rural Commercial Bank;

3. Holders of “Card of Credit Investigation” issued by People’s Bank of China;

4. Having permanent sites of production and business operation, with sound internal control system;

5. The production and business operation activities engaged by the borrowers must accord with national laws and regulations and related industrial policies;

6. With good credit status, without loans in other financing institutions in principal, with normal production and business operation, being profitable to repay capital with interest on Schedule;

7. With clear ownership of housing property, land management right and forest right; with enforceable ownership certificate;

8. Other conditions required by our bank.

（2）Basic conditions that individual peasant household shall possess:

1. Having permanent place to live and engaging lawfully in production and business operation activities;

2. With good credit rating, with no poor credit record;

3. Having legal and steady income source, with certain repaying capacity;

4. Being at least 18 years old and enjoying good health, with full capacity of civil conduct. Moreover, the age of male borrower plus the loan period shall not excess 60 years old and the age of female borrower plus the loan period shall not excess 55 years old;

5. Other conditions stipulated by our bank.

Loan interest rate:

Accord with “Pricing Administrative Methods on RMB Loan Interest Rate of Jiutai Rural Commercial Bank Co. Ltd. Of Jilin Province”.

Loan period:

The loan period of housing and forest right mortgage loan shall not be longer than 3 years; the period of loan secured by the land use right obtained through contractual operation of rural land shall not be longer than 3 years in principal; the period of loan secured by the land use right obtained through leasing shall not be longer than half of the land-use right period and the longest shall not excess 2 years.

Loan volume:

To determined according to the price of the collateral and the purpose of operating items. In principal, it shall not excess 70% of the estimated value of the collateral.

Use of loan:

It shall be used mainly on the reasonable fund demand such as the temporary capital turnover and consumption fund needed by production and business operation.