1.1 [Harmony Financing 2]

1.1.1 [Introduction of Harmony Financing e]

The bank offers certain limit of credit to the borrower who has individual consumption needs and the borrower can draw money by self-service through the internet loan platform whenever he needs the money.

[prospective borrowers]:  natural persons with full capacity of civil conduct, holders of valid identification card, with good credit status and steady income sources and the abilities to repay capital with interest.

[Guaranty style]: mortgage, pledge and surety bond

[Range of limit ]: 1 Yuan - 1 million Yuan

[Range of interest rate (annual interest)]: 5.1% - 9.18%

[Loan period]: 3 months, 6 months, 12 months, 24 months

[Pattern of lending]: guaranty, mortgage, pledge

[Use of loan]: to meet various kinds of consumption needs such as education, tour, marriage and durable consumer items

[Mode of repayment]: average principal, average principal with interest, regular interest settlement and repayment of principal at maturity

[Manner of payment]: direct payment by borrowers shall be allowed within 500,000 Yuan and it must be entrusted to pay over 500,000 Yuan

[Interest penalty on overdue\embezzling loans]: the interest penalty on overdue credit shall cause the original loan interest to rise by 50%; the penalty interest on embezzlement of loan shall cause the original loan interest to rise by 100%

1.1.2 [Product features]: wide range of use, flexible manners of payment and modes of repayment

(1) Wide range of use: to meet various kinds of consumption needs such as education, tour, marriage and durable consumer items;

(2) Flexible manner of payment: support lump sum repayment of principal and interest settlement under contract, average principal, average principal with interest and installment repayment;

(3) Mode of payment: direct payment by borrower itself and entrusted payment

1.1.3 [Admittance conditions]

(1) Holders of valid identification paper, having permanent place to live at the locations of the branches of Jiutai Rural Commercial Bank;

(2) With permanent job and steady income and the capacity to repay principal with interest;

(3) According with the current admittance requirements of Jiutai Rural Commercial Bank on the occupations, incomes and credit investigations of borrowers;

(4) The age of loan applicant plus credit period shall not exceed 60 years old;

(5) As for the applying admittance of the loan applicant, Jiutai Rural Commercial Bank shall carryout parameter control on this pointcut according to management demand;

(6) The loan applicant of operational line of credit shall also meet the requirements on the prospective borrower of short-term operational loan and loan conditions by Jiutai Rural Commercial Bank;

(7) Other conditions required by Jiutai Rural Commercial Bank.

1.1.4 [Application Document]

(1) Application form of personal loan;

(2) Identification papers of borrower and the couple (Identification Card, passport and residence booklet etc. ), proof of marriage;

(3) Proof of use of loan;

(4) Evidentiary material of borrower’s repayment capacity (such as proof of income, payroll, personal tax bill, other properties etc. );

(5) Documentary evidence of mortgage and pledge ownership;

(6) Other documents required by the bank.

1.1.5 [Processing Manual]

Make an application: the borrower shall make the application at the loan handling branches, taking along with the above application documents;

(1) Loan approval: the bank shall make investigations on the guarantee and credit of the borrower to ratify the application according regulated procedures, the result of which shall notify the borrower.

(2) Loan contract signing: after the borrower’s application is approved, the bank shall sign the loan  and guarantee contracts with the borrower to go the mortgage registration procedures.

(3) Loan issuance: the borrower may apply the bank to issue the loan over the counter or through the network loan platform by self-service .