1. Bank of China series credit card personal cards: Cardholders will accumulate 1 point for every RMB 1 spent or cash withdrawal, 7 points for every USD 1, and 1 point for every 14 yen spent. 2. Great Wall Business Card: Cardholders accumulate 1 point for every RMB 25/USD 3 spent. 3. Points from BOC series credit cards under the same cardholder’s name can be used together (except points from the “Mile Mileage” program of Air China Zhiyin Zhiyin Credit Card); the main cardholder can initiate a redemption application separately, and the supplementary card must be the same as the main card. The points of different cardholders are used together, and the redemption application is initiated by the main cardholder; the points of different cardholders (except supplementary cards under the name of the main card) cannot be used together. 4. Points from BOC series credit card personal cards and personal Great Wall business cards under the same cardholder’s name cannot be used together. 5. For Bank of China series credit card installment transactions, corresponding points will be generated when each installment is deducted from the account. 6. The following transactions or items are not included in the points range of this activity: a. Various interests and handling charges stipulated in the Bank of China Credit Card Articles or Receipt Contract, including but not limited to credit card annual fees, cash withdrawal handling charges, overdraft interest, and late payment fees , over-limit fees, and other credit card charges, etc.; b. Credit card transfers, deposits (repayments), deductions, fee payments, credit balance returns, and Great Wall credit card cash withdrawals, etc.; c. Merchants with low or zero discount rates Consumption, including but not limited to real estate, car sales, wholesale transactions, public hospitals, public schools, government services, charities and public undertakings, etc.; Please see the table below for details of the types of merchants that do not accumulate points.

Serial number Merchant category code Merchant category name 1 1520 General contractor - residential and commercial buildings 2 7013 Real estate agent - real estate broker 3 5271 Mobile home seller 4 5511 Car and truck dealer - sales, service, repair, parts and rental of new and used vehicles 5 5521 Car and truck dealers - specializing in the sale, service, repair, parts and rentals of used cars 6 5551 Boat dealers 7 5561 Travel trailer and recreational vehicle dealers 8 5571 Motorcycle shops and dealers 9 5592 Camping and RV sales Business 10 5598 Snowmobile dealer 11 5599 Comprehensive operator of automobiles, aircraft and agricultural motorcycles 12 5933 Pawn shop 13 5013 Motor vehicle supply and spare parts (wholesaler) 14 5021 Office and business furniture (wholesaler) 15 5039 Not included in other codes Wholesale of building materials (wholesaler) 16 5044 Office, photocopying and microphotography equipment (wholesaler) 17 5045 Computers, computer peripherals (wholesaler) 18 5046 Business equipment not included in other codes (wholesaler) 19 5047 Dental/laboratory /Medical/Eye Hospital Equipment and Supplies (Wholesaler) 20 5051 Metal Products Service Providers and Companies (Wholesaler) 21 5065 Electrical Parts and Equipment (Wholesaler) 22 5072 Hardware Equipment and Supplies (Wholesaler) 23 5074 Plumbing and Heating Equipment (Wholesaler) 24 5111 Stationery, office supplies, copy paper and writing paper (Wholesaler) 25 5122 Drugs and pharmaceutical operators (Wholesaler) 26 5131 Fabrics, sewing supplies and other textiles (Wholesaler) 27 5137 Uniforms for men, women and children and clothing (wholesaler) 28 5139 Footwear (wholesaler) 29 5172 Petroleum and petroleum products (wholesaler) 30 5192 Books, periodicals and newspapers (wholesaler) 31 5193 Gardening supplies, seedlings and flowers (wholesaler) 32 5198 Paint and varnish supplies (wholesalers) 33 5998 Other wholesalers 34 8062 Public hospitals 35 8211 Primary and secondary schools (public) 36 8220 Colleges and universities (public) 37 8398 Charities and social welfare service organizations 38 9222 Fines 39 9223 Bail 40 9311 Tax payments 41 9399 Government services not included in other codes (social security services, state compulsory) 42 9400 Embassy and consulate fees 43 8651 Political organizations (government agencies) 44 9211 Court fees, including alimony and child support 45 4900 Public undertakings (Utilities, electricity, coal, etc.) 46 5960 Insurance - Insurance direct sales 47 6300 Insurance sales, insurance industry and insurance money Note: 1. All consumption transactions belonging to the following merchant categories will not participate in the accumulation of credit card points. 2. The merchant category codes (MCC) and names listed refer to the relevant specifications of China UnionPay and are adjusted accordingly. 3. Bank of China reserves the right to interpret the rules related to points. d. Other items specified by the Bank of China. 7. Cardholders’ online transactions or payments will be carried out in accordance with the above points accumulation rules; 8. During the points accumulation period, bonus points for other activities launched by Bank of China will be implemented according to the specific rules of the activity.

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