Product definition: “1+N” combined loan (“1” refers to real estate mortgage, “N” refers to other supplemental guarantee means ) for small enterprises means that high grade small enterprises apply for credit by Jiutai Rural Commercial Bank with real estate as the main guarantee means supplemented by other guarantee means, to which Jiutai Rural Commercial Bank shall give certain line of credit. The other supplemental guarantee means include, but not limited to, the risk hedging means such as guarantee secured by legal person, movable property mortgage (pledge), other real estate mortgage (including secondary mortgage).

Serving objects: business entities registered with the industrial and commercial administrative departments and with loan qualification, or other organizations and individual businesses according with the national regulations.

Advances of product: flexible guarantee combination style and higher credit financing volume.

Application requirements:

1. The subject qualification and operational entity are lawful and effective, with all kinds of certificate required by the trade, with fixed operational site;

2. The production and business are lawful, according with the scope of business license, the relative national policies of industry and environment protection and the requirements of the loan policy of Jiutai Rural Commercial bank. The production and business situations are normal with good financial status, having the capacity to continue operation and legal repayment source;

3. In principle, the enterprise shall have been operating normally for at least 2 years (including 2 years) and the actual controller shall have at least 3 year’s experience in the trade;

4. With good credit record and the capacity to repay capital and interest at maturity;

5. Having opened basic or general account with Jiutai Rural Commercial Bank and is willing to receive the supervisions on credit and settlement by Jiutai Rural Commercial Bank;

6. The loan purpose is clear, according with the provisions of national laws, regulations and policies;

7. Having the credit qualification accepted by Jiutai Rural Commercial Bank, being able to provide lawful, full value and effective guarantee.

8. Other conditions required by Jiutai Rural Commercial Bank.