The interest for cash withdrawals with Everbright Bank's credit cards is 0.05% per day starting from the day the cash is withdrawn, and compound interest is calculated monthly until the cardholder pays off the outstanding balance of the cash withdrawal.

In addition to charging interest for cash withdrawals by Everbright Bank’s credit cards, there are also handling fees for cash withdrawals. The handling fees for cash withdrawals by Everbright Bank’s credit cards are:

1. Charges for domestic cash withdrawals 1% of the cash withdrawal amount is a handling fee. The minimum charge for each transaction is RMB 3 and the maximum charge is RMB 200;

2. For overseas cash withdrawals through UnionPay, VISA, Mastercard and other channels, 1% of the cash withdrawal amount is charged. Handling fee: For overseas cash withdrawals through JCB channels, a handling fee of 1.5% of the cash withdrawal amount is charged. The minimum per transaction is USD 3 and the maximum is USD 30.