The pledge rate of wealth management products sold by China Everbright Bank is 1 star product 90%, 2-star product 90%, 2-star product 85% and 3-star product 70%. Every time the loan term is increased by 1 year (if it is less than 1 year, the maximum loan amount will be reduced by 5% according to the face value of the pledge). The level of wealth management products and the corresponding pledge rate are dynamically managed by the business department of the Head Office. "Personal pledge loan" refers to the RMB loan that the borrower applies to China Everbright Bank with personal securities or personal physical gold as collateral. The loan is applicable to China people and natural persons who are (1) years old or 18 years old and have full capacity for civil conduct. (2) As borrowers, foreigners and residents of Hong Kong, Macao and Taiwan should have lived in People's Republic of China (PRC) for more than one year and have a fixed residence and occupation. The loan pledge is limited to local and foreign currency time deposit certificates, certificate-based government bonds and savings bonds (electronic).