The Bank has formulated the China CITIC Bank Personal Loan Post-Disbursement Modification Operational Procedures. According to the actual needs of customers such as changes in income, changes in repayment account numbers, and adjustments of payroll dates, after customers provide the corresponding application materials, the Bank will modify the loan elements that meet the requirements or the information related to the loans for customers. Depending on the different modification elements applied for by customers, the Bank provides credit-related modifications such as quota expiration and quota guarantee modification, as well as loan-related modifications such as changes in repayment account numbers, repayment dates, interest rate adjustments, and changes in repayment methods.

The Bank has established differentiated approval workflows for post-loan modifications based on the risk levels of loan parameters and requested changes, providing two types of post-loan modification channels: “Online Self-Service Modification” and “Offline Approval-Based Modification”. Clients may initiate requests via the China CITIC Bank App’s self-service channel, where system-automated approvals take immediate effect, or submit offline applications requiring manual review prior to implementation. In terms of timeliness controls, if modifications exceed prescribed processing timelines or exceptional circumstances arise, clients may escalate issues to the originating branch or customer service hotline. All such cases are prioritized for immediate resolution upon receipt.

*The English version were translated based on the Simplified Chinese version. In case of any discrepancies among the versions, the Simplified Chinese version shall prevail.