Points are not calculated for the following credit card transactions of Guangfa Bank: \x0d\ cash withdrawal by credit card (except standard card of Guangfa Bank), transfer transactions, and annual fees, handling fees, interest on deposits and loans, overpayment, redemption of points for self-paid amount, instant call and deferred payment. \x0d\ Merchants with low discount rate, zero discount rate and special types do not calculate points, including but not limited to: real estate, wholesale, automobile sales, securities payment, public utilities, medical institutions, government agencies, charitable and non-profit organizations, some online transactions, tent and awning shops, university fees, legal services, telephone charges, insurance premiums, tax payment, and payment on behalf of others. \x0d\ When the cardholder returns the goods or services purchased by credit card for any reason, or returns the credit card due to bill disputes, the points obtained before will be deducted by the bank. \x0d\ The points of the main card and the auxiliary card of Guangfa Credit Card are merged into the main card account. Supplementary cardholders can't exchange bonus gifts, but main cardholders need to exchange them. The \x0d\ points under different accounts of the same cardholder can be redeemed in combination according to the highest card level.