Introduction  User's Guide

【Introduction】

Personal T-Bond-Pledged Loans refer to a type of credit service offered by the Industrial Bank. Specifically, the borrower pledges an undue T-bond subscribed to at the Industrial Bank in his/her name in return for a Renminbi (RMB) loan from the bank, which should be repaid with interest when the term is due.

【User's Guide】

Application Terms and Conditions

1.Applicants are required to be citizens of the People's Republic of China (excluding Hong Kong, Macau and Taiwan citizens) aged from 18 (inclusive) to 60 (inclusive) years old, and that possess the necessary civil capacity;

2. Applicants are required to have the capacity to repay loans and have a sound credit record;

3. Applicants should provide a T-bond purchased in their own name from the Industrial Bank as a pledge;

4. Applicants are required to adhere to other terms and conditions stipulated by the Industrial Bank.

Pledged T-bonds should also satisfy the following conditions:

1. Loans must be guaranteed by in full by T-bond as a pledge;

2. When applying for a Personal T-Bond-Pledged Loan, the pledged T-Bond must have been taken out in the name of the applicant and subscribed to from the Industrial Bank. T-Bond subscribed to at other commercial banks will not be accepted for a pledge loan;

3. T-Bond that have matured, are involved in an ownership dispute, have already been hypothecated, have been reported lost or have been suspended by law will not be accepted.

Loan Limit, Tenure & Interest Rate

1. Personal T-Bond-Pledged Loan shall not exceed 90% of the value of pledged bond;

2. The loan tenure shall not exceed one year and cannot exceed the maturity date of the T-bond; where several T-Bond with different terms are pledged, the loan tenure will be determined according to the earliest maturity date of such T-Bond;

3. The benchmark loan interest rate of the relevant class in the period in question set by the People's Bank of China applies to Personal T-Bond-Pledged Loan, and is subject to fluctuation within specified limits.

Loan Repayment

The principal and interest due shall be repaid on a lump-sum basis by means of equal principal repayment, or in such a manner as accepted by the Industrial Bank.

Application Documents

1. Application Form for Personal Pledge Loan from the Industrial Bank;

2. Valid proof of identity and proof of residence;

3. Original(s) of certificated bond to be pledged;

4. Other documents required by the Industrial Bank.

(The information above is for reference only. Please refer to the specific regulations of your local IB branch for details. Please consult your local IB organization before making an application )