Bank of JD.COM shall bear all the expenses reduced or exempted by Bank of JD.COM. Bank of JD.COM is a bank jointly funded by JD.COM and external investors. The full reduction activities on the JD.COM platform are paid by the participating businesses themselves. That is to say, when your partner in JD.COM Bank uses JD.COM bank card to pay and meets the conditions of the donation activity, the preferential amount donated will be paid in advance by JD.COM Bank and returned to your account.