China Construction Bank Dragon Card Dual Currency Credit Card Articles

Chapter 1 General Provisions

Article 1 is to adapt to the development of bank card business and provides cardholders with This charter is formulated in accordance with the "Bank Card Business Management Measures" of the People's Bank of China and relevant regulations to provide comprehensive and high-quality services.

Article 2 The Dragon Card Dual Currency Credit Card (hereinafter referred to as the "Dual Currency Credit Card") as mentioned in these Articles is a series of Dragon Card products issued by China Construction Bank (hereinafter referred to as the "Issuing Bank"), which is the issuing bank. It is publicly issued to the public, and cardholders can use it first and then repay it within the credit limit approved by the card-issuing bank, and can be used within China (excluding Hong Kong, Macao and Taiwan, the same below) and abroad (including Hong Kong, Macao and Taiwan, the same below) , credit payment instruments settled in RMB and designated foreign exchange respectively.

Article 3 Dual-currency credit cards have the functions of consumption, cash withdrawal, transfer and settlement, etc., unless otherwise restricted in this Article.

Article 4 Dual-currency credit cards are divided into VISA cards and MasterCards according to their membership in international organizations, corporate cards and personal cards according to different card issuers, and platinum cards according to the credit status of the cardholder. , gold card and ordinary card.

Article 5 China Construction Bank, dual-currency credit card holders and Longka’s special merchants (including special merchants with UnionPay acceptance logo) shall *** jointly abide by this Article.

Article 6 Some nouns involved in this Article are subject to the following definitions:

Credit limit refers to the card-issuing bank’s assessment of the cardholder’s credit status based on the cardholder’s credit status, etc. The maximum amount of debt due to the card-issuing bank due to the use of the card that can be recycled within the validity period.

The transaction date refers to the date when the cardholder actually uses the card to make purchases, withdraw cash or transfer funds.

The bank accounting date refers to the day when the card-issuing bank will credit the transaction amount to the cardholder's dual-currency credit card account after the transaction occurs, or credit the relevant fees and interest to the dual-currency credit card account in accordance with regulations. date.

The bill date refers to the card-issuing bank’s monthly summary of the cardholder’s accumulated unpaid consumption transaction principal, cash withdrawal transaction principal, fees, etc., calculates the interest, and calculates the cardholder’s repayment. The date of the amount.

The repayment due date refers to the last date specified by the card issuing bank when the cardholder should repay the entire repayment amount or the minimum repayment amount.

The repayment date refers to the date when the cardholder actually repays the outstanding amount to the card-issuing bank.

The total repayment amount refers to the total of the cardholder’s accumulated unpaid fees, transaction principal, and interest as of the current bill date.

The minimum repayment amount refers to the minimum amount that the cardholder should repay as stipulated by the card issuing bank, including a certain proportion of the accumulated unpaid principal of consumer transactions, the principal of cash withdrawal transactions, and all fees, interest, and excess of the credit limit. The amount owed, as well as the sum of the outstanding portion of the minimum payment in previous months.

The interest-free repayment period refers to the bank recording date for consumer transactions that can enjoy interest-free treatment on the premise that the cardholder repays the entire amount due before the due repayment date (inclusive). The time between the due date and the repayment date.

Over-limit fee refers to the fee payable to the card-issuing bank when the cardholder's accumulated unpaid balance exceeds the credit limit approved by the card-issuing bank.

Late payment fees refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount.

Chapter 2 Application

Article 7 Applicants applying for a dual-currency credit card must agree to abide by these regulations, fill in the application form, provide relevant supporting materials, and submit it to the card-issuing bank for review. Applicants are responsible for the content filled in the application form and the authenticity of supporting materials.

Article 8 Agencies, groups, military units, enterprises, public institutions and other organizations (hereinafter collectively referred to as entities) that open basic deposit accounts in financial institutions within China and have the ability to repay may do so through the People's Bank of China. Approved basic deposit account opening registration certificate and relevant supporting documents to apply for a unit card. The corporate cardholder must be designated in writing by the legal representative (responsible person) of the company or his authorized agent.

All transaction amounts of each cardholder will be credited to the unit's dual-currency credit card account, and the unit shall bear the repayment responsibility. The unit can apply to cancel the cardholder's card-using qualifications or change the cardholder at any time.

Article 9 A natural person with full capacity for civil conduct and repayment capacity may apply for a personal card master card with his or her valid identity document and relevant supporting documents, or other natural persons or persons with full capacity for civil conduct or Natural persons with limited capacity for civil conduct (must obtain permission from their legal representatives) apply for supplementary cards. Each main card can apply for up to three supplementary cards. The main cardholder can apply to cancel the supplementary card at any time.

All transaction amounts and corresponding interest, fees, etc. of the supplementary card will be credited to the main card account, and the main cardholder shall bear all repayment responsibilities; the main cardholder and the person with full capacity for civil conduct shall Supplementary cardholders are jointly and severally liable for repaying the amounts owed to the bank. Supplementary cardholders with limited capacity for civil conduct are only responsible for repaying debts incurred by the supplementary cards they hold.

Article 10 The card-issuing bank will review the applicant’s credit status based on the application form and supporting materials submitted by the applicant. In individual cases, the card-issuing bank may also require the applicant to provide a guarantor, pledge guarantee or deposit a certain amount of deposit. If the pledge guarantee method is adopted, the pledge is limited to certificate-type treasury bills or time deposit rights certificates issued by the card-issuing bank.

Article 11 For those who apply for corporate cards, the card-issuing bank shall determine the total credit limit based on the credit standing of the applicant unit, and the credit limit of each cardholder shall be determined by the applicant unit within its total credit limit. , approved by the card-issuing bank; for those who apply for a personal card, the card-issuing bank will determine the credit limit based on the credit status of the main card applicant. If applying for an supplementary card, the supplementary cardholder may use this credit limit or the main card applicant may Cardholders individually determine their credit limit within their own credit limit. The credit limit is universal between the RMB account and foreign currency account of the cardholder's dual-currency credit card.

Chapter 3 Use

Article 12 Dual-currency credit card holders can use their cards with VISA, MasterCard, and UnionPay acceptance logos overseas, or with UnionPay cards domestically. For consumption at special merchants with acceptance marks and other special merchants designated by the card-issuing bank, you can withdraw local currency cash at overseas VISA, MasterCard designated cash withdrawal outlets or ATMs with VISA, MasterCard, and UnionPay acceptance marks. Domestic cash with You can withdraw RMB cash at UnionPay-accepted ATMs or at cash withdrawal outlets or ATMs designated by the card-issuing bank, and enjoy other services provided by the card-issuing bank. Corporate cards cannot withdraw cash within the country.

Article 13 Cardholders do not need to enter passwords or show their identity documents when using their dual-currency credit cards to make purchases at specially appointed merchants with VISA and MasterCard acceptance logos overseas. When making purchases at specially appointed merchants or domestic online purchases, you must enter or do not need to enter the password as agreed with the card-issuing bank in advance. You must present your ID when placing orders domestically; when withdrawing cash at overseas cash withdrawal outlets, you must present your ID as required. When withdrawing cash domestically, You must enter a password when withdrawing RMB cash online at an outlet. You must present your ID when withdrawing RMB cash by placing an order. You must enter a password when withdrawing cash at an ATM. After a successful transaction, the same signature as on the back of the card should be signed on the relevant documents.

Article 14 For transactions conducted with a password, the corresponding electronic information record shall be a valid voucher for the completion of the transaction; for transactions conducted without a password, the transaction voucher recorded with the cardholder's signature shall be Valid proof of completion of the transaction, except transactions on the Internet (INTERNET), telephone/fax transactions and mail order transactions.

Article 15 When a cardholder withdraws RMB cash within the credit limit with a dual-currency credit card or withdraws foreign currency cash at an overseas ATM with a UnionPay acceptance logo, the daily cash withdrawal amount for each card shall not be More than 2,000 (inclusive) RMB (or equivalent foreign currency); when withdrawing foreign currency cash at overseas cash withdrawal outlets or ATMs with VISA and MasterCard acceptance logos, the maximum daily cumulative cash withdrawal amount per account is 1,000 (inclusive). U.S. dollars (or equivalent foreign currency), the maximum amount for ordinary cards is 500 (inclusive) U.S. dollars (or equivalent foreign currency), and the cumulative monthly cash withdrawal amount shall not exceed 5,000 (inclusive) U.S. dollars (or equivalent foreign currency). The cumulative amount of unpaid cash withdrawals by the cardholder shall not exceed the prescribed proportion of the approved credit limit.

Article 16 The dual-currency credit card is valid for up to three years and will become invalid upon expiration. The card-issuing bank provides cardholders with an automatic card replacement service upon expiration. If the cardholder does not want to change the card when it expires, he should notify the card-issuing bank through the customer service hotline provided by the card-issuing bank or other methods approved by the card-issuing bank one month before the card is valid. However, after the card expires, the dual-currency credit card account The unsettled creditor's rights and debts are still valid.

Chapter 4 Interest Calculation, Repayment and Account Management

Article 17 Dual-currency credit card holders can use the card with the VISA and MasterCard acceptance marks overseas for special purposes When transactions are made at merchants, cash withdrawal outlets or ATMs, the transaction amount and corresponding fees and interest are credited to the foreign currency account; when transactions are made at overseas special merchants, ATMs with the UnionPay acceptance logo and within the country, the transaction amount and corresponding fees and interest are credited to RMB account.

Article 18 If the cardholder repays the entire repayment amount before the due repayment date (inclusive), the repayment amount shall include the consumption that occurred within one month before the bill date (inclusive). Transaction funds enjoy interest-free treatment from the bank accounting date to the repayment date. The interest-free repayment period is up to 50 days.

Article 19 If the cardholder is unable or unwilling to repay the entire amount due before the due repayment date (inclusive), he may repay any amount not less than the minimum repayment amount. , but the consumer transaction amounts that should be repaid no longer enjoy the interest-free repayment treatment. Cardholders do not enjoy interest-free repayment when withdrawing cash within the credit limit. The card-issuing bank will calculate interest on the cardholder's transaction amount that does not meet the conditions for interest-free repayment starting from the bank's accounting date. The daily interest rate is 0.05%, and compound interest is calculated on a monthly basis.

Article 20 The card-issuing bank will not pay interest on the deposits in the cardholder’s dual-currency credit card account.

Article 21 If the unit card holder repays the foreign exchange debt, it must transfer and deposit it from its unit's foreign exchange account. The opening of the foreign exchange account shall comply with the relevant regulations of the People's Bank of China and shall be in its There are corresponding payment contents within the scope of income and expenditure; to repay RMB debts, it must be transferred and deposited from its basic deposit account. It is not allowed to transfer and deposit from bank settlement accounts other than the basic deposit account, and it is not allowed to deposit directly with sales revenue or cash. enter.

Article 22 To repay foreign exchange debts, personal card holders must deposit the foreign currency cash they hold or purchase according to regulations or transfer funds from their foreign exchange accounts opened at the card-issuing bank. To repay the RMB debt, the cash must be deposited or transferred from the personal bank settlement account opened at the card-issuing bank. If the transfer is from the corporate deposit account, it must comply with the "RMB Bank Settlement Account Management" the relevant provisions of the Measures.

Article 23 If the cardholder chooses the agreed account repayment method, the card-issuing bank will deduct the corresponding amount from the designated deposit account opened at the card-issuing bank on the due date of repayment. , used to repay the outstanding balance on his dual-currency credit card account.

Article 24 When the cardholder repays the amount listed in the bill, the cardholder shall repay its debts one by one in the order of fees, interest, principal of cash withdrawal transactions (including transfer transactions), and principal of consumption transactions. payment.

Article 25 If the legal representative (responsible person) of the unit or his authorized agent applies to cancel part of the unit’s corporate cards or personal cards and the principal cardholder applies to cancel the supplementary card, he shall notify the card-issuing bank in advance. The card applying for cancellation will be cut off and destroyed.

Article 26 If the principal cardholder or cardholder no longer uses the dual-currency credit card within the validity period or after expiration, he shall report to the card-issuing bank after repaying all outstanding balances in the account. Submit an account settlement application and cut off the corners of all cards under the same account and destroy them. The card-issuing bank will handle formal settlement procedures 45 days after accepting the account settlement application (except for cards that have expired for more than 45 days). When the corporate card settles the account, the remaining RMB funds in the account will be transferred back to its basic deposit account, and the foreign exchange funds will be transferred back to the corresponding foreign exchange account, and no cash withdrawal is allowed.

Chapter 5 Rights and Obligations of the Card-Issuing Bank

Article 27 The card-issuing bank shall set up a 24-hour customer service hotline to provide cardholders with business consultation, account inquiries, and complaints. Services such as acceptance and loss reporting.

Article 28 For cardholders who have transactions or charges, or who have outstanding balances in their accounts even though no transactions or charges have occurred, the card-issuing bank shall settle their accounts on the billing date. The cardholder will be notified of its accounting status by sending statements, etc.; if the cardholder has any doubts about the changes in the account and makes an inquiry or correction request, the card-issuing bank shall respond in a timely manner.

Article 29 If the cardholder cannot use the card due to power supply, communication or other reasons, the card-issuing bank is obliged to assist the cardholder to solve the problem or provide necessary help as appropriate. We are not responsible for any losses caused to cardholders.

Article 30 The card-issuing bank has the right to use and process the personal information of the applicant and cardholder, but the information should be kept confidential. Unless otherwise provided by laws, regulations and financial regulatory agencies, the card-issuing bank and the applicant or Unless otherwise agreed by the cardholder.

Article 31 The card-issuing bank has the right to review the applicant's credit status, check the applicant's relevant information from any relevant parties, and decide whether to issue a card to the applicant. For unapproved applications, the card-issuing bank has the right to retain relevant application materials and not return them.

Article 32 The card-issuing bank has the right to charge certain fees from cardholders and credit them to their dual-currency credit card accounts.

Article 33 The card-issuing bank has the right to change the total credit limit of the corporate card holder or the principal card holder of the personal card based on the credit changes of the cardholder or cardholder, card usage, etc. The cardholder's credit limit will be adjusted, and the relevant parties will be notified of the adjustment results.

Article 34 After the dual-currency credit card is canceled or the account is settled, the cardholder shall cut off the corners of the card and destroy it. The card-issuing bank shall retain the responsibility for any subsequent losses to the card due to reasons other than the card-issuing bank. The right of recourse for valid transaction funds and corresponding interest, fees, etc. caused by the reasons.

Article 35 If a cardholder fails to repay the minimum repayment amount for four consecutive months, the card-issuing bank has the right to stop payment on his dual-currency credit card, and may require his guarantor to assume guarantee liability, disposal If necessary, the deposit or pledge shall have the right to request the judicial authorities to investigate the cardholder's legal liability or take other corresponding recourse measures.

Article 36 If a cardholder uses a dual-currency credit card to commit malicious acts such as fraud or has other risks, the card-issuing bank has the right to stop payment on the dual-currency credit card and authorize special merchants, The cash withdrawal outlet will take back the card and take measures to recover the arrears. If necessary, it can be submitted to the judicial authorities to investigate the legal liability of the parties concerned.

Article 37 The card-issuing bank has the right to inquire or freeze the cardholder's dual-currency credit card account in accordance with the instructions of the competent authority.

Chapter 6 Rights and Obligations of Cardholders

Article 38 Cardholders have the right to enjoy the services promised by the card-issuing bank, to supervise the quality of their services, and to Complain about unsatisfactory service.

Article 39 After using the card for transactions, the cardholder has the right to request a statement from the card-issuing bank (statements within the first three months from the date of request are free), or provide it through the card-issuing bank. Customer service hotline and other channels to understand the changes in their accounts; if they have any doubts about the changes in their accounts, they have the right to make inquiries or correction requests to the card-issuing bank within the specified time. If necessary, they can also apply for the service of reviewing the purchase order. If it is found after reviewing the purchase order that the transaction was indeed made by the cardholder, the cardholder must pay the purchase order processing fee in accordance with the regulations of the card-issuing bank.

Article 40 If the card-issuing bank increases the cardholder's credit limit because the cardholder has a good transaction and repayment record, if the cardholder is unwilling to increase the credit limit after receiving the notice, it has the right to Ask the card-issuing bank to restore its original credit limit. However, the cardholder is responsible for repaying the valid transaction amounts that have occurred and the corresponding interest, fees, etc.

Article 41 Dual-currency credit cards can only be used by the cardholder himself. The cardholder shall be responsible for any financial liability and risk losses caused by renting, transferring or lending the dual-currency credit card. .

Article 42: In order to protect their legitimate rights and interests in using the card from infringement, cardholders should immediately sign and apply in the signature column on the back of the card after receiving the dual-currency credit card. The same usual signature on the form and use this signature when transacting with the card. Transaction responsibilities and losses caused by unsigned cards shall be borne by the cardholder.

Article 43 Cardholders should keep their passwords properly and use them correctly, and should not disclose their passwords to anyone else. All transactions conducted using passwords will be deemed by the card-issuing bank to be made by the cardholder himself. The cardholder shall be responsible for any losses caused by improper password storage or use.

Article 44 Cardholders should use dual-currency credit cards to conduct transactions on the Internet (INTERNET) in a secure network environment recognized by the card-issuing bank.

Article 45 The cardholder shall use the funds within the credit limit approved by the card-issuing bank, and repay all repayments in the corresponding currency of the debt before the due repayment date (inclusive) amount or minimum payment amount. If the cardholder chooses the agreed account repayment method, he shall keep a sufficient balance in the designated repayment account.

Article 46: Cardholders should properly keep the transaction voucher after using the card to prevent the card information from being stolen by others; pay attention to check the statement. If the statement is not received on time, the card issuer should promptly check bank. The cardholder cannot refuse to pay the card-issuing bank (including corresponding late fees, interest, etc.) on the grounds that the statement has not been received.

Article 47 If the cardholder’s personal information, contact address, communication method or designated statement delivery address are changed, the cardholder should immediately contact the customer service hotline provided by the card-issuing bank or contact the customer service hotline provided by the card-issuing bank. Notify the card-issuing bank in other forms recognized by the card-issuing bank. Otherwise, the cardholder shall bear the resulting losses.

Article 48 Cardholders should properly keep their dual-currency credit cards. If the card is lost or stolen, they should immediately report the loss through the customer service phone number provided by the card-issuing bank, and the card-issuing bank will confirm that the card is lost or stolen. Once the identity is reported as lost, it will take effect immediately. Debts and losses incurred thereafter that are not caused intentionally by the cardholder will no longer be borne by the cardholder.

Article 49: Cardholders are responsible for repaying all valid transaction amounts and corresponding interest and fees that occurred before the official settlement of their dual-currency credit card accounts.

Article 50 Any transaction dispute between the cardholder and the merchant shall be resolved by both parties themselves. The card-issuing bank shall not bear any responsibility. The cardholder shall not refuse to issue the card on this basis. The bank repays the amount owed.

Article 51 If the card-issuing bank freezes the cardholder's dual-currency credit card account according to the freezing order of the competent authority, if there are still transactions occurring during the account freezing period due to reasons other than the card-issuing bank, the holder shall The cardholder is still responsible for repaying the corresponding arrears.

Chapter 7 Supplementary Provisions

Article 52 Matters not covered in this Articles of Association shall be implemented in accordance with relevant national laws, regulations and rules. If an overseas institution is involved in a cardholder's card transaction, the relevant disputes will be handled in accordance with the regulations of credit card organizations such as VISA, MasterCard, and China UnionPay.

Article 53 These Articles of Association shall be formulated and interpreted by China Construction Bank. Modifications to this Articles of Association made by China Construction Bank in accordance with national laws and relevant regulations will be effective upon approval and announcement without further notice.

Article 54 This Article of Association shall come into effect from the date of promulgation. The original "China Construction Bank Dragon Card Credit Card Regulations" will be abolished at the same time, and these regulations will naturally apply to the original Dragon Card credit card holders.

Attachment:

China Construction Bank Dragon Card Dual Currency Credit Card Charging Items and Standards

Charging Items

Charging Standards

Remarks

Annual fee

Business card: 200 yuan/card for gold card, 100 yuan/card for ordinary card

Collected in advance on an annual basis. No refund after collection

Personal Gold Card (and China Eastern Dragon Silver Card): 160 yuan/card for main card, 80 yuan/card for supplementary card

Personal ordinary card: 80 yuan for main card Yuan/card, supplementary card 40 yuan/card

Longka Auto Card: main card 200 yuan/card, supplementary card 100 yuan/card

Cash withdrawal (including transfer)

Handling fee

Overseas: Withdrawing cash through the VISA and MasterCard network, 3 yuan of the cash withdrawal amount, with a minimum of 3 US dollars; withdrawing cash through an ATM with the UnionPay acceptance logo, 12 yuan + 1 yuan of the cash withdrawal amount, of which The minimum part calculated based on 1 of the cash withdrawal amount is 2 yuan

Domestic: 0.5 of the cash withdrawal amount, the minimum is 2 yuan, the maximum is 50 yuan

Collected on a per-transaction basis. Cash withdrawals within the country do not matter in the same city or different places, and there are no additional charges for cash withdrawals across banks.

Over-limit fee

5 for the over-limit part, minimum 1 USD or 5 RMB (the currency is the same as the over-limit part)

The cardholder’s accumulated It will be charged when the unpaid amount exceeds the approved credit limit (temporarily exempted)

Late payment fee

5% of the unpaid portion of the minimum repayment amount, with a minimum of 1 US dollar or 5 yuan ( The currency is the same as the corresponding minimum repayment amount)

It will be charged when the cardholder fails to repay the minimum repayment amount before the due repayment date (inclusive)

Damage card replacement procedures Fee

Non-color photo card is 20 yuan/card, color photo card is 30 yuan/card

When the cardholder applies for a new card due to card damage, degaussing of the magnetic strip, incorrect signature, etc. Charge

Lost report handling fee

50 yuan/card

Replacement fee is waived when reporting loss and reissuing a new card

Replacement bill fee

Personal card: 5 yuan/copy (free within the first three months from the date of request)

Business card: 5 yuan/copy of cardholder’s bill, 20 yuan for unit summary bill /copy (free on the day of request)

Print one month’s accounting information for each copy

Purchase order review

Handling fee

Overseas: USD 5/copy

Domestic: RMB 10/copy

The cardholder applied for the service of reviewing the purchase order, and the transaction was confirmed after reviewing the purchase order. Charged when done by the cardholder himself

Card/password envelope

Express delivery fee

RMB 20 per letter

Card holder When a person applies for expedited delivery of a card/password envelope, they will be charged

Foreign exchange handling fee

1.5 of the transaction amount, calculated in the foreign currency account settlement currency

Transaction If the currency is different from the settlement currency of the cardholder’s foreign currency account, it will be charged

Overseas emergency service

Handling fee

VISA: Emergency cash withdrawal USD 175/transaction (reference Standard)

Emergency card replacement is US$175/transaction (reference standard)

Mastercard: Emergency cash withdrawal is US$95/transaction (reference standard)

Emergency card replacement 148 US dollars/transaction (reference standard)

When the cardholder applies for emergency cash withdrawal or emergency replacement card reissue from the corresponding international organization after losing the card overseas, it will be charged according to the international organization's charging standards

Domestic emergency cash

Assistance service fee

50 yuan/transaction

After the cardholder loses the card in the country, he/she should apply for emergency payment from our bank. Cash withdrawals are charged at the time

Overseas through UnionPay

Online inquiry fee

4 yuan/transaction

Cardholders pay through UnionPay at overseas ATMs Charged when making online inquiries

Domestic inter-bank inquiry fee

0.3 yuan/transaction

Charged when cardholders make inquiries at the ATMs of other financial institutions in China other than our bank

Instructions: 1. When the cardholder's Long Card dual-currency credit card foreign exchange account settlement currency is in another currency, the fees marked in the table in U.S. dollars will be charged in the equivalent foreign currency;

2 ． If various charges are subject to change, the latest regulations shall prevail.

1) Statement: If there are transactions in your account that month (including consumption, cash withdrawals, repayments and debts exceeding a certain amount), our bank will provide you with payment at the designated address after your statement date. Send statement. According to domestic and overseas transactions, it is divided into "RMB account" bills and "USD account" bills.

2) Billing date: The date on which the cardholder’s transaction principal, fees, etc. during the billing cycle are summarized and interest is calculated each month. There is only one billing date per card, which is stated in the letter that accompanies the new card and on each statement.

3) Repayment due date: The 20th day after the bill date is the last date for repayment of the current bill.

4) Credit limit: The maximum limit that our bank determines based on the cardholder’s credit status and can be recycled within the validity period of the card is the credit limit for all cards (including principal cards and supplementary cards) in the cardholder’s name. The maximum usage limit is also the same limit for RMB accounts and US dollar accounts, expressed in RMB amounts.

5) Minimum repayment amount: Indicates the minimum amount that the cardholder should repay in this period.

6) Amount payable in the last period: the summary amount payable in the last period’s bill.

7) New repayable amount in this period: the total amount of all transaction amounts and related interest and fees from the day after the last period’s billing date to the current period’s billing date.

8) Amount repaid in this period: the total amount of money repaid from the day after the last period’s bill date to the current period’s bill date.

9) The total amount of repayments in this period: = the amount of repayments in the previous period, the new amount of repayments in this period - the amount of repayments in this period.

10) Disputed amounts/number of transactions: The cardholder has real doubts about his/her account and submitted a request for assistance to our bank for investigation and processing within the specified time, and the amount and number of transactions were included in the dispute processing by our bank.

11) Transaction date: The date when the cardholder actually uses the card for consumption, cash withdrawal, repayment and other transactions.

12) Bank accounting date: The date when our bank will credit the transaction amount to the account after the card transaction occurs, or the date when relevant fees and interest will be credited to the account in accordance with regulations.

13) Transaction details: relevant information for each transaction, including transaction type, transaction channel, transaction location and other information.

14) Transaction currency/amount: reflects the currency and amount of the local currency of the actual place of transaction when you conduct overseas transactions. For example, the amount of transactions in the UK is listed as "GBP" (pounds sterling) and the corresponding amount.

15) Settlement currency/amount: Domestic transaction amounts (including overseas transaction amounts through the UnionPay network) are in RMB and are listed as "CNY" and the corresponding amount, and overseas transaction amounts are converted into U.S. dollars and are expressed as "USD" and the corresponding amounts are listed. Transactions with "*" in front of the settlement currency indicate disputed transactions and will not be included in the repayment amount for the time being; transactions with "-" in front of the amount indicate credit transactions such as repayment transactions and consumption deductions.

16) Repayment instructions: List the amount payable and the minimum repayment amount according to the different cards you hold. Please repay separately according to card number and currency to avoid unnecessary delays and losses.

17) Overdue information: If you fail to repay within the time limit specified by our bank, or if you have repaid but it is less than the minimum repayment amount, our bank will remind you that your account is overdue and you should repay immediately.

18) Points information: Your accumulated points refer to the total consumption points under the name of the main cardholder.