Our bank provides cardholders with personalized options of 2, 3, 6, 10, 12, 18 and 24 periods. The corresponding handling fee rates for each period are respectively are 1.0%, 0.9%, 0.75%, 0.7%, 0.66%, 0.68%, and 0.68%. To apply for installment payment for unbilled transactions, currently only 2, 3, 6, 10 and 12 installments are available. Two of the phases can only be applied for through our bank’s mobile banking and mobile life channels. Handling fee per period = total installment amount × handling fee rate per period. The total principal amount of the installment is amortized evenly on a monthly basis, and the remainder is included in the last installment. The installment amount of each installment and the handling fee of each installment are recorded at the same time. For details, please log in to /Financing/Bill.aspx.