The e-deposit policy of Zaozhuang Bank is:

1. Chinese citizens with full capacity for civil conduct, aged 18 to 60 years old.

2. The applicant’s work unit or habitual residence should be at the location of the loan issuing institution.

3. Have a fixed job, a stable source of income or reliable repayment guarantee. Have the ability to repay the principal and interest of the loan on time.

4. Applicants must meet one of the four criteria of being an ICBC credit card user, an ICBC salary payment customer, an existing ICBC housing mortgage loan customer, or a provident fund deposit customer.

5. The user’s personal credit report is in good condition, with no overdue credit currently or no overdue credit three or more times in the past six months. There have been no more than 6 credit inquiry records in the past two months. There are no bad debts, bad debts, stop payments, freezes, write-offs, etc. on credit cards and loans on the credit report.