1. The validity period of points of China Bank, Bank of Communications, China CITIC Bank and Shanghai Pudong Development Bank is 2 years, and the points will be cleared automatically after 2 years.

2. The validity period of personal credit of China Everbright Bank is 5 years, and it will be cleared automatically after the expiration.

3. The points of postal service, East Asia, Ping An, Guangfa and Industrial Bank are determined according to the validity period of bank credit cards, and the points will not be cleared within the validity period (usually one year or five years).