I. China Construction Bank Longka Ordinary Credit Card (quasi-credit card) II. China Construction Bank Longka Gold Card (credit card-gold card) I. The reserve amount of China Construction Bank Longka Ordinary Credit Card (quasi-credit card) is 1 yuan RMB. Maximum overdraft amount: 1, yuan. Handling fee: 1 yuan; 4 yuan for loss reporting fee; Pay an annual fee, 2 yuan. Functions: 1. Consumer credit: With the card, you can handle shopping and consumption settlement in hotels, shops, restaurants, entertainment and other consumer places with the logo of China Construction Bank. For the revolving consumer credit provided by China Construction Bank, the credit limit ranges from 1, yuan to 1, yuan. 2. Usual deposit and withdrawal: Longka personal credit card customers can deposit and withdraw money at the branches of China Construction Bank with their cards and their valid identity documents. 3. The deposit bears interest: the deposit in the credit card account bears interest according to the expected annualized interest rate of the current deposit. 4. ATM withdrawal: Personal credit card can withdraw money from the ATM of Longka issuing bank and the national network ATM with the card and password. 5. ATM inquiry: You can inquire about the balance at the ATM of Longka issuing bank and the nationwide networked ATM. You can change the password at the ATM of Longka issuing bank. 6. Consumer credit: within the stipulated credit limit, the cardholder will overdraw in good faith and spend in advance to solve the urgent need, and eligible cardholders can also get the service of increasing the credit limit. 7. Telephone banking: In the place where telephone banking is opened, you can inquire about the balance ledger by telephone, change the inquiry password and report the loss. 8. Collecting and paying on behalf of customers: it can pay the repayment of consumer loans such as telephone charges, house rent, water charges, electricity charges, personal housing and automobiles on behalf of customers. Can pay wages on behalf of enterprises, institutions, social organizations and other institutions. Can handle securities and fund settlement for customers. 9. Credit symbol: Credit card is a credit payment tool issued by China Construction Bank to customers, and holding credit card is a symbol of high credit. Application conditions: You can apply for a personal credit card if you meet the following conditions: 1. At least 18 years old. 2. Have full capacity for civil conduct. 3. Stable income and certain ability to pay. 4. Good reputation.

2. The amount of the reserve fund of China Construction Bank Longka Gold Card (credit card-gold card): ; The maximum overdraft amount is 5, yuan. Handling fee: Pay the annual fee. 8 yuan late fee: According to the regulations of the People's Bank of China, if the customer fails to repay the loan within the specified time, the Construction Bank will charge 5% of the unpaid part of the minimum repayment amount in addition to the loan interest of .5 ‰ of the daily interest. If the customer can pay the minimum monthly repayment amount (usually 1% of the amount owed), CCB will still provide customers with the function of consumer loans: Longka Jinka has all the functions of ordinary credit cards, and cardholders can enjoy more benefits and better services than ordinary cardholders: Longka Jinka cardholders can make purchases at Longka special merchants, settle accounts with their cards, and enjoy the circulating consumer credit provided by CCB within a certain credit limit. After the customer with a credit limit of 1, yuan to 5, yuan settles with the card, CCB will send a statement for the customer to know about the consumption of the card in the current month. After the customer repays according to the relevant provisions of the statement, he can continue to enjoy the consumer credit provided by CCB. According to the regulations of the People's Bank of China, if the customer fails to repay the loan within the specified time, the Construction Bank will not only charge the loan interest of the overdraft amount at a daily interest rate of .5%, but also charge a late fee of 5% of the unpaid minimum repayment amount. If customers can pay the minimum monthly repayment (usually 1% of the amount owed), CCB will still provide customers with consumer loans. When customers are in urgent need of cash with small amount of money, they can withdraw cash at the outlets of China Construction Bank and ATM machines with their cards and their passwords. Customers can entrust China Construction Bank with the card to handle automatic transfer on a regular basis, pay relevant fees and repay the principal and interest of personal housing loans or other consumer loans. If the gold card is lost or stolen, the customer must immediately call the Bank or the nearest outlet to report the loss in writing. China Construction Bank provides priority services for gold card holders, and is free of loss reporting fees. Bid conditions: Longka Gold Card is a credit card issued by CCB to customers who enjoy a higher credit limit in CCB according to certain conditions; Pre-release only in Beijing, Shanghai and Guangzhou; All qualified applicants receive the dragon card application form, fill it out and go to the credit card department of the local CCB with the identity certificate and the certificate from the personnel department of the unit.