1. The Sanqintonglong IC Credit Card of China Construction Bank is a UnionPay IC credit card which is a combination of chips and electronic coils jointly issued by China Construction Bank Shaanxi Branch and Shaanxi Provincial Department of Transportation to individual customers. This card has the standard function of UnionPay IC credit card and the non-cash consumption function of expressway toll (hereinafter referred to as "Sanqin Tonglong Card").

2. Interest-free period of gold card: 2-5 days, annual fee: 16 yuan/year; Free annual fee policy: 3 transactions per year, free annual fee for the current year.