2. Deposits include ICBC's personal deposits, such as lump-sum deposit and withdrawal in local and foreign currencies, fixed-term all-in-one deposit, call deposit, lump-sum deposit and withdrawal in RMB, and interest on deposits and withdrawals; Treasury bonds include paper voucher bonds issued by China Industrial and Commercial Bank after 1999 (inclusive), voucher bonds (electronic bookkeeping), book-entry bonds traded by China Industrial and Commercial Bank over the counter, and savings bonds sold by China Industrial and Commercial Bank.
3. In principle, the loan amount of certificates of deposit and treasury bonds shall not exceed 90% of the face value of pledged property, and the loan period of personal pledged loans shall not exceed 1 year and the maturity date of pledged property; If multiple certificates of deposit or certificate-based government bonds with different maturities are used as collateral, the loan term shall be based on the certificate of deposit closest to the maturity date.
4. ICBC's personal pledge loan interest rate is low, and the benchmark interest rate of the same grade published by the People's Bank of China shall be implemented. Generally, the loan term of personal pledge loan is 1 year, and the longest term of personal pledge loan of online banking is 1 year (inclusive).