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1. The Agricultural Bank of China card can redeem individual customer points for corresponding reward items in accordance with the Agricultural Bank of China point exchange standards:

1 . Points redemption for special cards: All account-level points on aviation co-branded cards such as the Golden Harvest HNA Co-branded Card will be automatically converted into airline miles, and you will no longer participate in other points redemption activities.

2. Points gift redemption: Customers can initiate a point gift redemption application through a credit card, and the customer-level point balance will be deducted from regular point gifts, annual fees and other redemption items. Gifts in the Pleasant Goat co-branded card and Beautiful Upgraded Mom Card areas are only available for redemption by the corresponding card holders.

3. The specific redemption rules for points consumption and other points redemption items are subject to the latest points activity announcement or catalog at the time of redemption.