The details are as follows:

1. "E-Loan" is a credit card cash installment business provided by the Bank's credit card center for eligible cardholders. After the application is successful, the cardholder will repay the principal and installment fee in installments, and each installment principal and installment fee will be included in the current credit card bill.

2. Cardholders can apply for "e-loan" business through self-service channels such as the Bank's mobile banking, the official credit card client Pocket Life (hereinafter referred to as "Pocket Life") or the credit card customer service hotline (including the sales line). The specific process is subject to the actual display of each channel.

3. The cardholder's application for "e-loan invitation" business is regarded as his consent and authorization to the card center of the Bank to inquire personal credit information from the basic database of financial credit information of the People's Bank of China during the examination of his "e-loan invitation" application (including qualification examination, credit approval, etc.), subsequent risk management, objection verification and other related businesses; The cardholder agrees and authorizes the card center of the Bank to submit his personal credit information (including bad information) to the basic database of financial credit information of the People's Bank of China and Baixing Credit Information Co., Ltd.; The cardholder agrees and authorizes the Card Center of the Bank to report to the legally established credit reporting agencies such as Baixing Credit Information Co., Ltd. and other relevant legal institutions (including but not limited to members of China Merchants Bank Group, service agencies, agents and outsourcing agencies of China Merchants Bank Group; Credit rating agencies established according to law or similar agencies licensed by relevant laws and regulatory agencies; Administrative organs; Public institutions; Judiciary; Telecom operators) inquire, use personal information such as cardholder's assets and credit information, provide personal credit information, etc., and keep the above related materials (including video materials) according to the requirements of laws and regulations and business needs. The cardholder hereby agrees and authorizes the Credit Card Center of the Bank to collect, process, transmit and apply the cardholder's personal data. The cardholder understands and understands that the credit card center of the Bank can collect, process, transmit and use the cardholder's personal data due to the above authorization. The cardholder knows and understands the terms of this authorization, and confirms that the credit card center of our bank has made corresponding explanations on this term at its request.