Specific rules for using Bank of Communications Walmart credit card points:

1. When using a Walmart credit card for consumption, no points will be accumulated for consumption in designated Walmart stores. RMB 1 spent outside the store can accumulate 1 yuan. point. Reward points are non-transferable, and the points of the main card and supplementary card are combined and credited to the main card account.

2. Points will not be calculated for the following items:

1) Various interests and handling fees stipulated in the applicable credit card regulations or receipt contracts, including but not limited to credit card annual fees, Cash withdrawal transaction fees, overdraft interest, late fees, over-limit fees, and other credit card charges, etc.

2) Transfer transactions, cash withdrawal transactions, and online transactions; (Starting from January 1, 2012, points can be accumulated for online U.S. dollar consumption and cash consumption at Bank of Communications Points Paradise club.bankcomm.com. Online U.S. dollar consumption Refers to consumption whose transaction code is online consumption and is transacted through VISA or Mastercard lines).

3) Transactions with merchants (including but not limited to Sannong merchants, county and township preferential merchants, etc.) that are subject to UnionPay’s special billing rules.

4) Specific categories of spending, including but not limited to real estate, car sales; wholesale transactions; hospitals; junior and senior schools, universities, colleges, professional schools; charities and social services, non-profit Undertakings; fines; bail and bonds; taxes; government services; embassy and consulate fees; government loans.

5) Spending at specific merchant categories and individual retail merchants.

The first 2999 points are not redeemable. For example:

Mr. Zhang has 27,500 points in his Wal-Mart credit card. Mr. Zhang now wants to redeem all the points in the card. Then Mr. Zhang can log in to the "Points Mall" on the official website of Bank of Communications Pacific Credit Card Center and apply. The points in the card are exchanged for credit, which can be used to offset Mr. Zhang’s subsequent purchases in Walmart stores.

The actual in-store consumption amount that Mr. Zhang’s 2,7500 points can be used to offset will be calculated according to the following method: 3,001 points*0.25 4,000 points*0.5 17,500*1=202.5 yuan (The actual redemption amount is kept to one decimal place, and the first 2,999 points will not be redeemed)?

Extended information

Bank of Communications has the right to, based on specific circumstances, make the following decisions during the points accumulation process: In case of any abnormal transaction, the cardholder shall take one or more control measures, including but not limited to freezing points, clearing points, canceling the qualification to participate in this points reward program, canceling or reducing the card credit limit, restricting or stopping the use of the card, Counting the benefits obtained by the cardholder into the credit card account to require repayment, etc.:

1. Bank of Communications independently judges that if the cardholder’s points accumulation or redemption involves any false transactions (including but not limited to the implementation of false transactions) Transactions with substantial economic content), fraud, fraud or other dishonest acts;

2. Credit cards are rented, lent, or handed over to others for use;

3. Cardholders Use credit cards in non-personal consumption areas such as production, operation, investment, etc. unless otherwise specified by the card issuer;

4. Cardholders are concentrated in merchants that do not comply with the relevant regulations of China UnionPay and install bank card acceptance machines. Conduct transactions that result in points being awarded in accordance with normal points transaction standards for transactions that should not be awarded points (Bank of Communications is not responsible if the acquiring bank or merchant fails to correctly set the merchant category in accordance with China UnionPay regulations, which affects the accumulation of points and the use of credit cards);

5. The cardholder takes advantage of loopholes in the banking system to maliciously accumulate, redeem or use credit card points;

6. The cardholder has other violations of the "Bank of Communications Pacific Personal Credit Card Acceptance Agreement" , "Bank of Communications Pacific Credit Card Articles", "Bank of Communications Credit Card Points Reward Program Rules", the program rules and other relevant regulations.

Bank of Communications--Pacific Walmart Credit Card Points Reward Program