the credit card points program of the Postal Savings Bank is an incentive activity launched by the Postal Savings Bank to give back to the majority of credit card holders. Members can accumulate points when spending by credit card, and the points can be exchanged for various gifts.

scope of application of credit card points plan of Postal Savings Bank:

1. This points plan is applicable to China Postal Savings Bank RMB credit card personal card gold card and ordinary card (including main card and supplementary card, referred to as "credit card").

2. Cardholders with valid Postal Savings Bank credit cards can participate in gift exchange.

3. If the cardholder has any of the following circumstances, the cardholder will lose the qualification to redeem points:

(1) The cardholder's credit card will be stopped, deactivated, frozen and automatically cancelled.

(2) The account is overdue.

(3) the card will not be renewed after expiration.

(4) Violation of the Contract for Receiving RMB Credit Cards (Personal Cards) of China Postal Savings Bank (hereinafter referred to as the Contract) and other relevant regulations.