Activity rules: During the activity, Cardholders will receive an exclusive medal for each accumulated consumption amount or installment amount of over RMB 1000 (inclusive) per calendar month. In the next month, they can use the accumulated medal in the previous months to exchange for a draw-bar box, water filter pitcher, iQIYI membership and other good gifts! Please refer to the details of the activity.

　 Activity time: October 1 - December 31, 2020

　 Activity object: Holder of JD Finance Co-branded Card of Guangzhou Rural Commercial Bank (hereinafter referred to “Cardholder”)

　 Activity details:

　　(1) During the activity, Cardholders will receive an exclusive medal for each accumulated transaction amount of RMB 1,000 per calendar month, an additional medal for each accumulated transaction amount of RMB 1,000 per calendar month, and a maximum of 10 exclusive medals for each calendar month. The consumption amount does not include pre-authorization transactions, repayment transactions, cancelled, reversed or returned consumption, as well as the amortization part of each installment. The installment amount includes the installment amount incurred by the Cardholders in the current month (including bills and flexible installment). In case the Cardholders refund or cancel the installment in that month, the corresponding amount will be deducted in real time. In case the Cardholders refund or cancel the installment after receiving the award, the quantity of medals received or the corresponding amount will be deducted, and the Cardholders can continue to participate in the activity after the deduction. The transaction amount and installment amount are not accumulated across natural months. The quantity of medals will be updated within 2 business days after the Cardholders successfully make the purchase/installment. The quantity of medals received by the Cardholders in the current month will be subject to the update on the exchange page on the 5th day of the next month.

　　(2) During the activity, Cardholders who successfully apply for and are issued a card will enjoy 1 medal to be exchanged for a gift at the grand award level. Before the activity, Cardholders who have been issued a card will enjoy 2 medals to be exchanged for a gift at the grand award level.

　　In this year, each cardholder can only exchange a gift at the grand award level once. Other gifts can be exchanged in unlimited quantities, and the details are subject to the page display.

　　(3)Exchange path 1: JD Finance APP-[Credit Card]-[Mine]-[Award Receipt]-[Monthly Receipt]；

　　Exchange path 2: JD Finance APP-[Credit Card]-[Mine]-[My Rights and Interests]

　　Exchange path 3: JD Finance APP-[Credit Card]-[Mine]-[Instant Participate]

　　(4) Brand exchange day (gift exchange time): From 00:00:00 on the 5th day to 23:59:59 on the 15th day of each month. The specific gifts are subject to the page display on the brand exchange day. Medals received across a month cannot be used accumulatively. Medals received in the same month will expire at 24:00 on the 15th day of the next month.

　　(5) Gift issuance form: The physical gifts will be delivered by JDL before the end of the next month after receipt, and the Cardholders shall be deemed to agree to provide the mailing information to the Gift Supplier and JDL during the exchange.

　　The virtual gifts will be sent to the account in real time. In case the stock is insufficient, the gifts will be sent to the mobile phone number that the cardholder filled in when applying for the card by short message before the end of the next month.

　　(6) Gift view path: JD Finance APP-[Credit Card]-[Reward Receipt]-[Award Received]

　　(7) Once the gift is selected, it will be unexchangeable (including the type, color and model of the gift received), and the details shall be subject to material objects. The value may fluctuate with the market price. Gifts with non-quality problems are unexchangeable.

　　For questions about gifts, please call the customer service hotline of JD Finance: 95118(9:00-22:00)

　　Draw-bar box (JD Jingzao) customer service hotline: 400-880-6588 (8:00-16:00 on business day)

　　Draw-bar box (Bowerbird) customer service hotline: 400-613-5565 (9:00-18:00 on business day)

　　PLUS member customer service hotline: 400-656-2211 (on the whole day)

　　(8) The PLUS member annual card presented in this activity is PLUS Jingdian annual card (valid for 365 days from the date of recharge), excluding iQIYI, Zhihu Reading, etc., only including RMB 100 /month coupon for all categories, 10 times Jingdou for shopping return, 5 freight coupons per month, 10% discount coupons for clothing categories and other benefits. For details, please refer to the JD APP-[Home Page]-[Plus Member] Page. In case PLUS members cannot successfully recharge the card into the Cardholders’ JD account, you can choose to receive other awards.

　　The PLUS member quarter card presented in this activity is PLUS Jingdian annual card (valid for 90 days from the date of recharge), excluding iQIYI, Zhihu Reading, etc., only including RMB 100 /month coupon for all categories, 10 times Jingdou for shopping return, 5 freight coupons per month, 10% discount coupons for clothing categories and other benefits. For details, please refer to the JD APP-[Home Page]-[Plus Member] Page. In case PLUS members cannot successfully recharge the card into the Cardholders’ JD account, you can choose to receive other awards.

　　(9) The market price of the gifts marked in this activity is for cardholders’ reference only. The market price of the gifts refers to the counter price, tag price, authentic retail price, manufacturer’s guide price or the sales price of the gifts once displayed, etc., and does not specifically refer to the current original price. It is used for reference only. The market price of the gifts may fluctuate with the market. In case of any change, JD Finance will make a prompt adjustment on the page. The pictures of the gifts displayed in this activity are used for reference only. The specific color and style are subject to the actual gifts received. Gifts with non-quality problems are unexchangeable. In case the delivery time in some areas is delayed due to holidays, JD Finance will give notification in advance and complete the delivery in time after the logistics is restored.