Hello, 1. Foreign exchange purchase and repayment: The exchange rate is based on the exchange rate published by our bank at 10 a.m. on the day of repayment at the US dollar selling price. 2. Purchase of foreign exchange with overpayment: Foreign exchange purchases with overpayment applied before 16:00 pm every day will be processed at the exchange rate of the day; foreign exchange purchases with overpayment applied after 16:00 will be processed at the exchange rate of the next day. 3. Foreign currency consumption is recorded in RMB: The exchange rate announced by our bank at 10 a.m. on the day when each consumption is recorded is based on the US dollar selling price. Non-US dollar transactions will be converted into US dollars by overseas card issuing organizations first, and then converted into RMB for recording ( During the above process, overseas card issuing organizations such as VISA and MASTER will charge foreign exchange handling fees). For the specific exchange rate, please log in to the public version/professional version of online banking and query it in "Repayment Management" - "Automatic RMB Foreign Exchange Purchase" - "USD Bill Foreign Exchange Purchase and Repayment Function Settings".