UNOFFICIAL TRANSLATION (COMPLETE OFFICIAL CHINESE GUIDELINES
               BELOW) – Translated from Chinese by Kevin Li

China Banking Association’s Corporate Social Responsibility Guidelines (Excerpt)

                            Chapter III Social Responsibility

Article XI. Financial institutions should bear the responsibility for consumer education,
actively carry out the financial literacy and education activities, and guide and nurture the
public financial awareness and risk awareness, to enhance the public to contribute to
property income.

Article XII. Financial institutions should take the initiative to assume responsibility for
the construction of credit system, and actively carry out honest and trustworthy social
advocacy, and guide and nurture the awareness of the public credit. They should devote
to promote inter-industry coordination and cooperation, to strengthen the banking sector
credit information's integration and sharing, and steadily push forward the construction of
credit system in China's banking industry.

Article XIII. Financial institutions should promote people-oriented principles, pay more
attention to the staff's health and safety, care for the lifestyle of staff, and improve human
resource management; enhance staff training, improve the professional quality of
employees and enhance employee's value of career; inspire staff enthusiasm, initiative
and creativity, train financial professionals to create the healthy development of a
positive, harmonious professional environment.

Article XIV. Financial institutions should support the community's economic
development, facilitate the provision of financial services for the community, actively
carry out a variety of community services such as financial education and publicity and
helping the poor and needy, and strive to contribute to community building.

Article XV. Financial institutions should be dedicated to social development, by
charitable donations, volunteer activities, and actively participate in social welfare
activities, and strive to build a harmonious society and promote social progress by
playing the role of financial leverage.

                       Chapter IV Environmental Responsibility

Article XVI. Financial institutions should formulate business strategies, policies and
procedures, and optimize the allocation of resources to support the social, economic and
environmental sustainable development, according to the national industrial policies and
environmental policies, in light of international treaties, international practice and
industry guidelines.
Article XVII. Financial institutions should carry out relevant research on Equator
Principles as far as possible, and make a positive reference from the Equator Principles as
applied to China's economic and financial development.

Article XVIII. Financial institutions should set up specialized agencies or departments,
responsible for environmental protection, with the necessary full-time and part-time staff.

Article XIX. Financial institutions should develop plans for resources conservation and
environmental protection, to minimize the negative impacts of day-to-day operation on
the environment; provide regular or irregular environmental training for staff, encourage
and support employees' participation in external training, communication and cooperation
of environmental protection.

Article XX. Financial institutions should support the client to save resources and protect
the environment through credit and other financial tools, guide and encourage clients to
enhance awareness of social responsibility and actively take actions; focus on
environmental training for clients, in which the content should include but be not limited
to specific operations of environmental impact assessment procedures, and preparation
for green credit document. Financial institutions should advocate for independent on-site
investigation and audit for the environmental impacts of financed projects, and make
their judgments not solely based on clients' own environmental impact assessment report
and data.

Article XXI. Financial institutions should actively participate in the practice of
environmental protection and promotion activities, to contribute to the increase of the
environmental awareness of clients and society as a whole.