1. Peony personal credit card holders guarantee that the credit card is in a normal state (abnormal card replacement, such as card withdrawal, account cancellation and card invalidation, is not supported). ), and redeem points to give back gifts according to their accumulated consumption points. If the total amount of points required for the cardholder to redeem gifts is greater than the balance of redeemable points, the redemption order is invalid and the cardholder needs to redeem ICBC credit card points again.

2. ICBC Beijing Branch entrusts the points exchange cooperation company to deliver the goods according to the model specified in the cardholder exchange order. If there is any difference in product color, the gift received by the customer shall prevail. The pictures of gifts posted on the website of China Industrial and Commercial Bank (www.bj.icbc.com.cn) Beijing Branch are for reference only.

3. After the ICBC credit card consumption points redemption order is successfully submitted and the points reward gift is confirmed, if there is no quality problem, the ICBC credit card points redemption gift cannot be returned, and the points will not be returned.

4. If the gift selected by the cardholder has been redeemed, ICBC Beijing Branch has the right to negotiate with the cardholder to adjust the gift redeemed by the cardholder to other gifts of the same level in this point redemption activity.

5. If there are problems in product quality and after-sales service, ICBC Beijing Branch will entrust the point exchange cooperation company to handle and solve them, and ICBC Beijing Branch will assist cardholders to contact the company.

6. China Industrial and Commercial Bank Beijing Branch has the right to verify the cardholder's transaction details. Cardholders are not allowed to use Peony Credit Card for fraudulent activities such as false transactions to obtain points, prizes or value-added services, otherwise they shall bear the consequences or losses arising therefrom.

7. Personal income tax for redemption of peony personal credit card consumption points for gifts shall be declared and paid by the cardholder himself.