Shenzhen Home Credit Information Consulting Co., Ltd.

Home Credit Introduction Home Credit Group (HomeCreditB.V.) is a leading consumer finance service provider (abbreviated as Home Credit), with operations spanning 11 high-growth potential markets globally. Founded in 1997, Home Credit primarily provides responsible lending to people with little or no credit history, as well as simple, convenient, and fast consumer finance services. In each country where it operates, Home Credit is committed to becoming a leader in the local market. With rich multinational operational experience and professional expertise, Home Credit continues to lead many peer enterprises. By providing safe and high-quality loan experiences, Home Credit actively promotes and expands inclusive finance to reach populations that traditional banking services cannot cover—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 over 59.9 million customers cumulatively. Home Credit has a strong business network, including over 215,000 loan service points. As of December 2016, Home Credit's business in China covered 29 provinces and municipalities, 312 cities, and had over 63,000 employees. Home Credit has excellent partnerships with nationally renowned retailers such as D.Phone and Suning, and through over 140,000 loan service outlets, has served over 25 million customers cumulatively. Following the commencement of operations at its Wuhan and Changsha customer service centers, in September 2016, Home Credit officially opened its new customer service center in China—the Tianjin Customer Service Center. Previously, Home Credit had two major customer service centers in China, Wuhan and Changsha, with a combined capacity of 8,000 professional customer service personnel and a daily service volume of up to 750,000. With the full operation of the Tianjin Customer Service Center, nearly 15,000 customer service personnel will provide professional services 7 days a week, significantly enhancing service capacity and quality. As the only foreign-funded company among the first four pilot consumer finance companies approved by the China Banking Regulatory Commission, Home Credit Consumer Finance Co., Ltd., whose shareholder is the leading consumer finance service provider Home Credit Group, officially commenced operations in China at the end of 2010, providing consumer finance services to customers in China. Consumption is an important driving force for promoting the transformation of China's economic structure. 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 finance 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 and popularizes financial knowledge and cultivates and raises consumers' awareness of social credit and responsible borrowing. In the spirit of responsibility 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 loan experience.