1. Guangfa Bank’s credit cards are generally valid for 5 years. There is a **/** in the lower left corner of the credit card, which is the validity period.

Guangfa Credit Card is the first standard credit card in China. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions.

2. Introduction to fees related to Guangfa Credit Card:

Domestic overdraft withdrawal fee: 2.5 of the domestic overdraft withdrawal amount, minimum: RMB10 (Platinum Card, Infinite Card/World Card Waived)

Overseas cash withdrawal handling fee: calculated based on the overseas cash withdrawal amount 3, minimum: RMB15/USD3 (waived for Infinite Card/World Card)

Foreign exchange handling fee: 1.50

Canceled card account management fee: It will be charged monthly starting from six months after the card cancellation takes effect. If there is less than one month, it will be charged monthly. The charging standard for each canceled account is RMB5/USD0.6