A personal pledge portfolio loan refers to the loan aimed to give not only preferable pledge limit but also credit limit for someone with a good credit record. Moreover, the loan limits can be used repeatedly.

A. Who is it for?

This loan is to serve those overseas citizens over the age 18 years old with full capacity for civil conduct plus valid identifications;

B. Limit, Term and Interest：

1.Limit

Authorized limit＝collateral value*（Pledge ratio+ credit rate），in which pledge ratio is determined by relevant regulations pertaining to personal pledge portfolio loan. The credit rate is to be kept within 10%. See below for details.

Currencies	Pledge Ratio	Credit Rate	Total
RMB (Treasuries/Bond)	90%	5%	95%
HKD	90%	0	90%
USD	90%	0	90%
JPY	80%	0	80%
Others	85%	0	85%

2.Maturity

The maturity of the loan normally does not exceed 1 year.

3. Interest rate

Refers to the interest rate of the loan by the same period and same category set by this bank.

C. What needs to be done to apply?

(1) Borrower applies;

(2) Bank verifies the application and approves;

(3) Borrower signs credit authorization agreement for a personal pledge portfolio loan;

(4) Freeze the property pledged;

(5) The loan is released within limit;

(6) Borrower uses the revolving loan within the proper limit;

(7) Repay the loan;

D. Documents to be provided for applying loan within credit:

1. Application

2. Identification (original and copy);

3. The collateral pledged;