1.1.[Credit Financing]

The petty online loan on credit granted to VIP clients by Jiutai Rural Commercial Bank.

1.1.1.[Introduction of Credit Financing e]

The single-use line of credit granted by the bank to clients, which can be drawn by self-service  through network loan platform whenever the client need the money.

[Prospective borrowers]: the high-end and high quality clients according with the relative requirements of our bank

[Range of credit line]: 5,000 Yuan - 200,000 Yuan

[Range of interest rate]: 5.1% - 9.18% (in principle, not lower than the benchmark interest rate by rising 50%)

[Type of interest]: fixed interest rate

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

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

[Use of loan]: purchase of durable consumer items, goods for everyday consumption, marriage leave expenses, schooling children expenses, hospitalization costs, housing renovation and tour

[Overdue\embezzlement interest penalties]:

Interest penalty on overdue loan shall be the original loan interest by rising 50%;

Interest penalty on embezzlement shall be original loan interest by rising 100%

[Mode of payment]:

Supporting encashment, pos swiping, on-line payment.

1.1.2. [Product feature]: simple procedures, consuming at ease, saving interest, clever Spending

(1) Simple procedures: the entire procedures are operated on line, the loan can be applied, transferred to account and repaid staying at home;

(2) Consuming at ease: consumption can be completed just by swiping the pos and clicking the mouse;

(3) Saving interest: the interest is lower than credit card;

(4) Clever spending: help you plan your payment within the line of credit, with various modes of payment such as average principal with interest and monthly interest settlement and repayment of principal at maturity.

1.1.3. [Admittance conditions of Credit Financing 2] 

The object of “Credit Financing e” shall be the natural persons meeting all the following requirements:

(1) Holders of valid Identification Card of the People’s Republic of China;

(2) Between 18 (including 18)~ 55 years old;

(3) The VIP clients among the customer classes in the CRM customer relationship system of Jiutai Rural Commercial Bank. The VIP clients meeting the following conditions, after field investigations by operating agencies, shall be identified directly as VIP clients of Jiutai Rural Commercial Bank, which shall be entered into the client information base of network loan platform. The credit group includes, but not limited to, the following types of client:

1. National public servants: staff (except logistic workers ) of the main government authorities and departments in the jurisdiction of Changchun City.

2. The fiscal full funding and balance allocation public institutions.

a. Education: teaching and administrative staff of full-time universities, colleges, secondary technical schools, middle schools and primary schools in the jurisdiction of Changchun City;

b. Health agencies: the medical and administrative staff of the medical institutions above district level in Changchun City;

c. Staff of media institutions such as broadcasting and TV;

d. Engineering and technical and administrative staff of scientific researching, planning, designing institutions;

3. Special enterprises

a. Staff of state-owned holding large enterprises, such as electric power, post service, electric utility;

b. Senior executives of Mobile Communication and China Unicom.

4. Financial enterprises

a. Banking institutions: staff of state-owned commercial banks, policy banks, joint-stock commercial banks;

b. Non-banking financial institutions: administrative staff above middle level of trust investment corporations and brokerage firms.

5. The administrative staff above middle level of water supply, fuel gas and petroleum enterprises.

(5) Having proper occupations and legal and steady income, with the capacity to repay the loan principal with interest on time and with the good willingness to repay.

(6) The credit status and credit record accord with the provisions of Jiutai Rural Commercial Bank, without the following mentioned bad and worse records:

1. The credit card or loan of the client has shown a 31 - 60 days of continuous overdue record in the recent 24 months;

2. All the credit cards or loans of the client have shown overdue records in the recent 6 months;

3. The non-revolving loan balance and revolving loan credit line under the client’s name in any form of credit with Jiutai Rural Commercial Bank , the of the credit loan balance in the credit investigation report of the People’s Bank of China and the summation of the credit line on credit card has exceeded 500,000 Yuan;

4. The outstanding mortgage loans with other banks exceed 5 items, or all the client’s loan balance exceed 2 million Yuan;

5. The number of credit card with overdraft balance of the client has exceed 5.

(7) The clients not in the loan blacklist of Jiutai Rural Commercial Bank.

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

1.1.4 [Application Document] 

(1) Application form of individual credit line;

(2) Identification card of borrower.

1.1.5 [Processing Manual]

(1)  Authentication of VIP client: the bank shall carry out rating authentication according to the relative information provided by the borrower.

(2) Online application: the borrower may log in the network loan platform to make the application.

(3) Online approval: the bank shall carry out investigations on the credit and income status of the client to approve the application according to the procedure, the result of which shall inform the borrower.

(4) Online signing: the borrower shall sign the contract on the network loan platform after his application is approved.

(5) Automatic loan: the loan shall be transferred automatically to the borrower’s account after the borrower signs online.

(6) Autonomous consumption: the borrower may swipe pos at marketplace of pay online.

(7) Repay online: the bank may deduct the repayment automatically on the loan maturity date according to contract. The borrower may also repay in advance on the network loan platform.