Hello, if you are referring to the exchange rate for overseas credit card consumption, you can choose the corresponding card route according to the credit card organization logo on the credit card (such as: VISA, MASTERCARD, JCB, American Express, UnionPay) overseas. The card swiping machine is used to swipe the card, and no additional card swiping function is required. When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment will be settled in US dollars. Since overseas purchases by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, conversion fees between the two currencies will be incurred. If the UnionPay line is used or the consumption amount is US dollars, no exchange settlement procedures will occur.

1. For purchases made through international organization lines (i.e. non-UnionPay lines) using our credit cards in non-U.S. dollar countries, cardholders need to pay a 1.5% foreign exchange fee to convert the local currency into U.S. dollars, subsequent U.S. dollars deposited into the account already include this exchange fee (the American Express Centurion Black Gold Card and the American Express Centurion Platinum Card are settled at 2% of the settlement amount). 2. There is no foreign exchange fee for U.S. dollar consumption. 3. UnionPay single-currency credit cards are processed in accordance with the latest regulations of China UnionPay and the Bank.

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