There are no handling fees for personal bank transfers and inter-bank transfers.

Personal online banking transfer fee:

1. Our bank’s long-distance transfer: not charged for the time being.

2. Inter-bank transfer:

Few 5,000 yuan (inclusive): free;

Ordinary remittance above 5,000 yuan (inclusive): according to the standard four counters Discount will be charged;

Real-time arrival of funds above 5,000 yuan (not included): 20% increase from ordinary remittance charges, up to a maximum of 20 yuan per transaction.

Counter/ATM transfer fee:

1. Our bank’s long-distance transfer: no charge for the time being.

2. Inter-bank transfer:

Each transaction is less than 2,000 yuan (including 2,000 yuan), and each transaction is charged 2 yuan;

2,000-5,000 yuan (including 5,000 yuan) Yuan), each fee is 5 Yuan;

5,000-10,000 Yuan (including 10,000 Yuan), each fee is 10 Yuan;

10,000-50,000 Yuan (including 50,000 Yuan) , each transaction is charged 15 yuan;

For each transaction above 50,000 yuan, 0.03% of the remittance amount is charged, with a maximum of 50 yuan.

Generally, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. In addition, bank cards can also

be divided into magnetic stripe cards and chip cards according to different information carriers;

are divided into domestic cards and overseas cards according to whether the issuer is in the country;

It is divided into personal cards and corporate cards according to the issuing objects;

It is divided into RMB cards, foreign currency cards and dual-currency cards according to the account currency.

On March 18, 2019, the central bank released the overall operation of the payment system in 2018. As of the end of 2018, the number of bank cards in use and issued nationwide was 7.597 billion. Among them, a total of 686 million credit cards and debit cards are in use. The average Chinese person holds 5.46 bank cards, and on average every two people hold one credit card and debit card.

In addition, the scale of bank card credit increased moderately, and the proportion of total outstanding credit that was overdue for six months decreased. As of the end of 2018, the total amount of bank card credit in China was 15.4 trillion yuan, and the average credit limit of cards was 22,400 yuan. The total amount of outstanding credit card credit that was overdue for six months was 78.861 billion yuan, accounting for 1.16% of the credit card balance payable, a decrease of 0.18 percentage points from the end of the previous quarter.

On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". The report shows that in 2018, the UnionPay network’s transfer transaction value further increased its share of the global bank card clearing market and continued to rank first in the world. At the same time, the scale of bank card issuance and acceptance has further expanded. The total number of UnionPay cards issued globally has exceeded 7.59 billion. The global UnionPay card acceptance network has extended to 174 countries and regions, covering more than 53.7 million merchants and 2.86 million ATMs. Use the card to add value. Services are constantly being enriched.

On March 17, 2020, the central bank released the overall operation situation of the payment system in 2019. It showed that in 2019, the national payment system operated smoothly, the scale of social fund transactions continued to expand, and the payment business volume maintained steady growth. As of the end of 2019, the number of bank cards in use across the country was 8.419 billion, a year-on-year increase of 10.82%. The average number of bank cards held by each person nationwide is 6.03, a year-on-year increase of 10.40%.

Among them, the average number of credit cards and debit cards held per capita was 0.53, a year-on-year increase of 8.36%. In 2019, 321.989 billion bank card transactions occurred nationwide, with an amount of 886.39 trillion yuan, a year-on-year increase of 53.07% and 2.82% respectively. In 2019, banks handled 223.388 billion electronic payment transactions, with an amount of 2607.04 trillion yuan. In 2019, non-bank payment institutions conducted 719.998 billion online payment transactions, with an amount of 249.88 trillion yuan, a year-on-year increase of 35.69% and 20.10% respectively.