Jiexin

PPF Group
PPF Group is the parent company of Home Credit Group and one of the largest international financial and investment groups in Central and Eastern Europe. Its business spans Europe, Russia, Asia, and the U.S. market, with investments covering banking, financial services, telecommunications, real estate, retail, insurance, mining, agriculture, and biotechnology. As of December 2015, PPF Group managed assets exceeding EUR 21.6 billion. For more information, please visit www.ppf.eu

About Home Credit
Home Credit B.V. is a leading consumer finance service provider (referred to as "Home Credit"), operating in 11 high-growth potential markets worldwide. Founded in 1997, Home Credit primarily provides responsible loans and simple, convenient, and fast consumer financial services to people with no or limited credit history. In every country where it operates, Home Credit strives to be a market leader. With rich cross-border operational experience and expertise, Home Credit continues to outperform many peers. By offering safe and high-quality lending experiences, Home Credit actively promotes and expands inclusive finance to reach people underserved by traditional banking—many of our customers are first-time borrowers. Home Credit actively promotes the improvement of living standards while meeting borrowers' financial needs. As of June 2016, Home Credit had over 86,000 employees and had served more than 59.9 million customers cumulatively. Home Credit has a strong business network, including over 215,000 loan service points. For more information, please visit *

As of August 2016, Home Credit's business in China had covered 29 provinces and municipalities directly under the central government, more than 280 cities, and employed over 49,000 staff. Home Credit has excellent cooperation with well-known national retailers such as DiXinTong and Suning, and has served more than 17 million customers cumulatively through over 109,000 loan service points.

Following the operation of the Wuhan and Changsha customer service centers, in September 2016, Home Credit officially launched its newly invested customer service center in China – the Tianjin Customer Service Center. Previously, Home Credit had two major customer service centers in China, in Wuhan and Changsha, with a capacity of 8,000 professional customer service personnel and an average daily service volume of 750,000 visits. With the full operation of the Tianjin Customer Service Center, nearly 15,000 customer service staff will provide professional services 24/7, significantly improving service capability and quality.

As the only foreign-invested company among the first four pilot consumer finance companies approved by the China Banking Regulatory Commission, Home Credit Consumer Finance Co., Ltd. was established in China with investment from Home Credit Group, a leading global consumer finance service provider, as one of its shareholders. It officially commenced operations in China at the end of 2010, providing consumer financial services to Chinese customers. Consumption is an important driving force for China's economic structural transformation. Home Credit Consumer Finance Co., Ltd. actively responds to the national requirements of expanding domestic demand and vigorously developing consumer finance, and continues to contribute to China's economic development and the improvement of people's living standards by providing safe and responsible consumer financial services.

Home Credit Consumer Finance Co., Ltd. is committed to becoming a responsible consumer finance service provider. Through various forms such as financial knowledge lectures, animations, and online interactions, it promotes financial knowledge and cultivates and enhances consumers' awareness of social credit and responsible borrowing. In the spirit of being responsible to customers, Home Credit Consumer Finance Co., Ltd. innovatively introduced a 15-day cooling-off period for loans, providing customers with a safe and high-quality lending experience.

About Us
Home Credit Consumer Finance Co., Ltd. is the only foreign-invested company among the first four pilot consumer finance companies approved by the China Banking Regulatory Commission, and was established in China with investment from Home Credit Group, a leading global consumer finance service provider, as one of its shareholders. As of August 2016, Home Credit Group's business in China had covered 29 provinces and municipalities directly under the central government, more than 280 cities, with over 49,000 employees and cumulative customer service exceeding 17 million visits, contributing to employment and economic growth in second- and third-tier towns and cities. Home Credit Group has very good cooperation with well-known national retailers such as DiXinTong and Suning in China, and has set up more than 109,000 POS loan service points nationwide, making important contributions to China's economic development and social balance.

Home Credit Group (Home Credit B.V.), founded in 1997, is a leading consumer finance service provider with business across Central and Eastern Europe, the CIS countries, Asia, and the United States. Home Credit Group primarily provides responsible loans and simple, convenient, and fast consumer financial services to people with no or limited credit history. In every country where it operates, Home Credit Group strives to be a local market leader. With rich cross-border operational experience and expertise, Home Credit Group continues to lead among its peers. By providing safe and high-quality lending experiences, Home Credit Group actively promotes and develops inclusive financial policies, covering people not reached by traditional bank loan services—many of our customers are experiencing consumer financial services for the first time. Home Credit Group actively promotes the improvement of borrowers' living standards while meeting their financial needs. As of June 2016, Home Credit Group operated in 11 countries worldwide, serving over 59.9 million customers, with more than 86,000 employees and over 215,000 offline loan service points (POS).

For more information, please visit *