Private Personal loan credit business includes the following 8 types of businesses: auto loan, personal project loan, personal employmententerprise loan, personal loan pledged by valuable documents, housing mortgage loan for living, personal commercial housing loanmortgage loan for business, personal comprehensive consumer loan and small business owner loan.

1. Auto loan

Auto loan means the RMB loan on security issued by the BankCEB to the borrower that applies fowhor purchasesing an automobilecar/cars. This loan service can be is classified by the purpose of the purchased car: used for personal vehicles and commercial vehicles; , or classified by the transaction conditions of the carAccording to the transaction form, there are : the new car orfirst owners andthe second-hand vehiclescar.

2. Personal project loan

Personal project loan refers to the RMB loan on security issued by the BankCEB to the borrower that applies for purchasing engineering vehicles or machinery equipment.

3. Personal employment loan

Personal employment loan refers to the RMB loan on security issued by the BankCEB to the natural person of the society with designated use for capital liquidity.

4. Personal loan pledged by valuable documents

Personal loan pledged by valuable documents means that the applicant asks for a loan pledged by pledges his own the personal valuable documents of his own or those legally owned by anythe third person (both are natural persons) that are and accepted by China Everbright BankCEB for the application to the Bank for RMB loan in a certain amount.

5. Housing Mortgage loan

Housing Mortgage loan refers to the RMB loan issued by China Everbright BankCEB to the borrower by means of the credit capital for purchasing housing houses inside the mainland of China, provided that the borrower pledges his/her purchased housing house and /or provide security accepted by CEB.

Housing Mortgage loan includes the following types: Housing cCommercial loan for living (including first ownerthe new and second-hand house according to the transaction form), housing mortgage loan with accumulatedtion funds loan, combined housing mortgage loans mix, and loan for building houses building and garages/parking lots through capital collection.

6. Personal commercial housing mortgage loan

Personal commerciacommerciall housingmortgage loan refers to the RMB loan issued by China Everbright BankCEB to the borrower by means of the credit capital for purchasing commercial housing inside the mainland of China, provided that the borrower pledges his/her purchased commercial housesing and /or provide security accepted by CEB.

Commercial housing refers to the office building and business stores specified for "commercial use" in the Pre-sales Permit for Commercial Housing or House Property Certificate. According to the transaction form, there are first owners and second-hand houses.

7. Personal comprehensive consumer loan

Personal comprehensive consumer loan refers to the RMB loan on security issued by the Bank to the natural person of the society with designated use (For the use of studying abroad, USD loan may be issued).

This loan cannot be used to subscribe or purchase stocks, nor used as the registered capital for any economic entity, or capital fluidity for any other equity investment and enterprise. The loan purposes include but not limited to:

Paying the decoration and fitment costs of self-used house;

large-amount home durable consumer goods;

Paying traveling expenses both at home and abroad;

Paying the close relatives of the borrower for expenses necessary for studying abroad, such as tuition and basic allowance;

Paying the borrower or his/her close relative for the tuition and fees and allowance for studying at domestic universities or graduation schools; and

Making down payment for purchasing automobiles or housing etc.

8. Small business owner loan

Small business owner loan means the RMB loan on security issued by CEB to the legal representative/effective controller (natural person within the society) of the small business owner for the legally designated purpose of supplementing fluid fund turnover.