“Yinbaodai” loan business: It means the liquidity capital loan business of small enterprise with combined guarantee method ofcommercial housing mortgage handled by our bank for the small enterprise and the loan guarantee insurance of small and medium-sized enterprise provided by China United Property Insurance Company Limited(hereinafter referred to as “China United Property Insurance”).

“Zhengjintong” business: It means the business that the supplier who wins the bid in the governmental tender purchase purchases “loan guarantee insurance of small and medium enterprise” from China United Property Insurance, and our bank provides liquidity capital loan for small and micro enterprise who wins the bid, with the own cash flow of the supplier who wins the bid and government finance payment capital as the important repayment source, according to the bid winning notice of government purchase, insurance policy issued by China United Property Insurance and the operation and financial status of the supplier, and relying on China United Property Insurance Company Limited (hereinafter referred to as “China United Property Insurance”).

“Shuijintong” business: It means the business that our bank selectively provides short-term liquidity capital loan with the amount less than RMB 3 million for small and micro enterprise with tax-paying credit evaluation Level A recommended by Internal Revenue Service and Local Tax Bureau according to the Cooperative Agreement of “Shuijintong” Bank Tax Service Platform (hereinafter referred to as “Cooperative Agreement”) signed by the headquarter or all branches in other cities and local Internal Revenue Service and Local Tax Bureau.

“Credit loan” business: It means the business that our bank issues the short-term liquidity capital loan with the amount less than RMB 5 million to the client of small enterprise only by virtue of the reputation of the borrower without pledge provided by borrower or third-party guarantee.