(I) Activity content

　　In case the Cardholders make any 3 purchases freely in the current month, with each over RMB 99, they can enjoy a 15% cash rebate discount on recharge when they recharge the phone rate through WeChat Pay after the registration of that month, with the maximum of RMB 30 per month.

　　(II)Activity details

　　1. The rights and interests are applicable to Cardholders of Jinmi Unicom Co-branded Card, and both the main Cardholders and supplementary Cardholders can participate. Each Cardholder is limited to 1 cash rebate discount per month. Those who meet any of the following conditions will be considered to be the same cardholder: the same ID card, the same Unicom Co-branded Card number, the same mobile phone number, the same device number.

　　2. In case Cardholders make any 3 purchases in the current month, with each over RMB 99 (no restrictions on merchants and payment methods), they can enjoy a 15% cash rebate discount when they recharge the phone rate through WeChat Pay after the registration in Jinmi Credit Card’s official WeChat, which is followed by the binding of Unicom Co-branded Card, with the maximum of RMB 30 per month.

　　3. Cardholder log in Jinmi Card’s official WeChat→Click “Discount * Activity” at the bottom of the screen→Click “Registration * Inquiry”→ Click “Activity Registration”→ Click “I want to register” in the column of “Unicom Co-branded Card Phone Rate Cash Rebate”, and enter the phone number to complete the monthly registration.

　　4. The transaction time of the Cardholders’ 3 free purchases, with each over RMB 99, and their recharging of the phone rate through WeChat Pay is subject to the actual transaction time of the clients. Non-consumption transactions such as installment payment, cash withdrawal, pre-authorization, deposit, account inquiry, as well as cancelled and returned purchase transactions will not participate in this activity.

　　5. The cash rebate will be made to the Cardholders’ credit card account in the form of credit card amount before the end of the month following the month in which the Cardholders meet the standard.

　　6. In case the Cardholders cheat in the process of using the card (such as bulk registration, malicious purchase, fraudulent transaction, malicious arbitrage), or use add-ons and plug-ins, as well as make use of system loopholes or technical means to obtain undue gains beyond the rights and interests rules, our Bank reserves the right to cancel its qualification to enjoy the credit rights and interests and to participate in the credit card activity, and reserves the right to deduct the discount amount from the clients’ credit card account or take other legal measures without prior notice.

　　7. Guangzhou Rural Commercial Bank reserves the right to cancel the rights of Cardholders in case of any of the following circumstances:

　　(1) The credit card is being suspended, not activated, cancelled, expired but not renewed, or the card has been used at risk as determined by our Bank;

　　(2) The Cardholders are suspected of fraudulently obtaining discounts through any form of a fraudulent transaction (including but not limited to the case of swiping cards for another person’s transaction);

　　(3) The Cardholders violate the Credit Card Regulations, the Acceptance Agreement, and these Rules of our Bank, or other relevant regulations of Guangzhou Rural Commercial Bank.

　　8.  Guangzhou Rural Commercial Bank shall have the right to change the content and rules of the rights and interests according to national regulations and business needs. The specific activity content and detailed rules mentioned in the rights and interests shall be subject to the latest announcement by Guangzhou Rural Commercial Bank. The changed rules will come into effect upon announcement.

　　9.  The right of final interpretation of the rights and interests belongs to Guangzhou Rural Commercial Bank.