Please refer to the points accumulation rules to calculate credit card consumption points.

1. Accumulation rule: Use our debit and credit cards for consumption, including local and foreign currency consumption. Foreign currency consumption is converted into RMB according to the system foreign currency exchange table, and is calculated by points. We reserve the right to adjust the foreign exchange rate of points according to exchange rate changes. For those who meet the requirements for receiving points, for each consumption of 1 yuan, the accumulated 1 points. Among them, debit card holders only accumulate points when our POS merchants conduct consumer transactions.

2. The following items will not accumulate points:

(1) Including but not limited to the consumption of merchants in real estate, automobile sales, wholesale, hospitals, primary and secondary schools, charity and social services, non-profit undertakings and other industries, as well as financial and government payment transactions (such as insurance, fines, investment, bail, tax payment, etc. ), the above information will be adjusted according to the merchant type of UnionPay and other related institutions;

(2) If the goods or services purchased by credit card are returned for some reason, or returned due to signing disputes or other reasons, China Industrial and Commercial Bank will deduct the corresponding points according to the returned amount;

(3) Online consumption does not accumulate points;

(4) Credit card consumption through merchants of third-party payment platforms, without accumulating points;

(5) Non-cumulative points with consumption (including foreign currency consumption conversion) less than 1 yuan;

(6) If the merchant fails to install and use the bank card acceptance equipment in accordance with the provisions of China UnionPay, resulting in the calculation of points for transactions that should not be given points, the bank has the right to deduct the points of the cardholder, and the acquiring bank or merchant fails to correctly set the merchant category in accordance with the provisions of China UnionPay, which affects the accumulation of points.