The handling fee is the total transaction principal multiplied by the handling fee rate of each period. Shang Meng Bank's credit card trust fund business refers to the installment business in which Shang Meng Bank Co., Ltd. provides installment payment services to eligible cardholders, and the cardholders repay the due amount on time according to the agreement with Shang Meng Bank. The handling fee of Shang Meng Bank's Happiness Fund is calculated by multiplying the total transaction principal by the installment handling fee rate, so there will be more than 200 handling fees. Handling fee refers to the expenses incurred in handling affairs, and the term "service charge" is interpreted as "procedures for handling affairs", such as handling loan procedures, transfer procedures, securities trading procedures, etc.