Credit Funds refer to the funds issued as loans by banking institutions. The sources of credit funds of the banking inst
itutions included deposit s, issue of financial bonds, account-payable and temporary gathering, liabilities to international
financial ins titutions, currency in circulation, various reserves, owners' rights and interests and other items. The credit funds
can be used in forms of loans, s ecurities and investment , account receivable and advance payment, entrusted investment,
gold, foreign exchange, cash on hand, government debt and assets in the international financial institut ions.

Deposit is a form of credit by which enterprises, institutions, organizat ions or households can put money into banks and
other credit inst itutions for safekeep ing and int erest earning under the principle of free withdrawal. According to different
depositors, deposit s are divided into enterprise deposits, treasury deposits, dep osit s of government agencies and
organizations, capit al construction deposits, savings dep osits, rural saving deposits , entrusted deposits and other deposits.
Deposits are major sources of t he credit funds of banks.

Loan is a form of credit by which banks and other credit institutions provide funds at certain interes t rate t o enterp rises
and individuals in the light of t he principle of unconditional repayment. Loans from Chinese banks include circulating cap ital
loans , fixed as set s loans , loans to urban and rural individuals engaged in indus trial and commercial business and
agricultural loans.

Insurance Companies refer to commercial insurance companies of various forms regis tered by law and est ablished in
China with the ap proval of insurance regulatory agencies.

Amount Insured refers t o the maximum that t he insurant will get for the claim of t he case insured.

Premium is the fee paid by the insurant to the insurer to obtain the obligation of compens ation from t he insurance within
the agreed terms.

Settled Claim is the compensation paid by the insurer to the insurant in accordance with the insurance contract.

Payment includes payment for death, injury or medical treatment and mat ure payment. Payment for death, injury or
medical treatment refers to the money paid to the insurant (or the beneficiary) in accordance with the life or health insurance
contract when the insurant encounters accidents within the insured period covered in the cont ract . Mature payment refers to t
he mature payment to the insurant in accordance with the life insurance contract at t he end of t he insured p eriod.