1. If the payment is not repaid in full on time, ordinary card consumption will not enjoy interest-free treatment. Interest will be calculated for each transaction starting from the accounting date, with a daily interest rate of 0.05% until that date. until the date the account is settled.

2. Cash withdrawals do not enjoy the interest-free period. Interest is calculated daily at a daily interest rate of 5/10,000 starting from the cash withdrawal transaction date, and compound interest is calculated monthly.