1. The bill installment function is limited to the application and use of Huaxia Credit Card main cardholders.

2. The minimum amount of application for bill installment is RMB 5 yuan or equivalent foreign currency, which is limited to consumption amount (excluding cash withdrawal, fees, interest and installment payment, and other transactions designated by the Bank).

3. This function can only be applied after the cardholder has paid off the minimum repayment amount of the current bill.

4. after the cardholder has successfully applied for bill installment, the number and amount of installments applied for cannot be changed.

5. After the application for this function is successful, the bill installment fee will be collected by installments, and the total installment amount (including installment principal and fee) will be amortized on a monthly basis. The monthly amortization amount will be calculated to the nearest cent, and the portion that cannot be divided will be deducted in the last installment. If the amount payable in any period is overdue, the late payment fee and interest shall be paid according to the relevant regulations of Huaxia Credit Card.

6. As for the charging standards for billing installment fees, early repayment and cancellation of transactions, Huaxia Bank Credit Card Center will charge related fees according to the published "Huaxia Credit Card Charging Standards".

7. If the cardholder needs to cancel Huaxia Credit Card during the repayment period, he/she must pay off the outstanding debts and other debts of "bill installment" in advance, and then go through the cancellation procedures.

8. If the cardholder's Huaxia Credit Card is frozen by Huaxia Bank Credit Card Center, other credit degrees are reduced, and debts are not fulfilled, Huaxia Bank Credit Card Center has the right to directly regard the undistributed amount of the cardholder's "bill installment" as all due, and the cardholder shall repay all the remaining funds and corresponding expenses in one lump sum.

9. If the cardholder still has extra money after paying Huaxia Credit Card monthly, the money will be regarded as overpayment, and the principal part of "bill installment" will not be paid off in advance.

1. The final interpretation right of this function belongs to Huaxia Bank Credit Card Center.