Pacific Debit Card Detailed Information

Universal. VISA cards are widely accepted by more than 24 million merchants around the world, and VISA Electron cards are accepted by more than 12.5 million merchants worldwide. Global support. Once your card is lost in a foreign country, you can call VISA's 24-hour global emergency support center for help, which will give you peace of mind. Basic introduction Chinese name: Pacific Debit Card Foreign name: UnionPay card Universality: Worldwide Easy to apply: Over 16 years old, hold a valid identity document Functions, articles of association, application contract, individual application contract, unit application contract, functions 1. Application is simple. Anyone who is over 16 years old and has a valid ID card can apply, and no guarantee is required. Just go to the counter of a Bank of Communications branch with your valid ID and fill out the "Pacific Debit Card Application Form". Personalized photo debit card allows you to print personalized photos on the front of the card according to your personal preferences, including personal artistic photos, family photos, pets, scenery, etc. 2. Wide range of users. Student bosom friend. Multiple cards per household can help you solve the worries about the life and study of your children studying in a foreign country, and bring great convenience and security to many students studying abroad. Business Assistant is smart in choice, self-controlled, has one card in hand, and is widely respected. It is your personal financial secretary for business travel. When traveling with Travel Companion, you can avoid the trouble of currency exchange and spend with ease, allowing you to fully enjoy the fun of travel and leisure. Premium service, easy ownership. Debit silver card is issued to mid-to-high-end customers and integrates debit card functions with value-added and preferential services. Pacific International Debit Card 4. Convenient to withdraw cash. You can withdraw cash 24 hours a day at more than 760,000 ATM machines with VISA or PLUS logos in more than 120 countries and regions around the world, which is convenient and fast. 5. Value-added services are endless. Your needs are my pursuit. Value-added services and innovation. Wealth management link, bank information link, online bank link, zero risk of loss reporting... Pacific Card innovation has no end. 6. Validity period. For long-term use, there is no need to replace the card. Debit cards have no expiry date and can be used for a long time once held. 7. Confidentiality function. Spend with your card safely and confidentially. Set up a personal password to ensure the security of the cardholder's funds. Article 1 of the Articles of Association In order to meet the consumption payment needs of residents and organizations and provide better financial services to all sectors of society, and to regulate the rights and obligations of Bank of Communications card issuers (hereinafter referred to as card issuers) and cardholders, in accordance with the applicable The laws and regulations (including any subsequent modifications or replacements, hereinafter referred to as "applicable laws") and relevant provisions formulate this Articles of Association. Bank of Communications Pacific Debit Card Article 2 Pacific Debit Card (hereinafter referred to as Pacific Card) is a financial payment instrument (including co-branded/identified cards and photo cards) issued by Bank of Communications with the "UnionPay" logo and settled in RMB. It can be used at the card issuer's business outlets, telephone banking, online banking, multimedia terminals and other self-service equipment, as well as at special merchants and automated teller machines (ATMs) with the China UnionPay logo. The card has functions such as consumption, cash deposits and withdrawals, transfers (including transfers between cards, cards and savings, transfers between cards and agencies, and various transfer payments, the same below) and settlement. Article 3 Pacific Cards are divided into corporate (business) cards and personal cards according to the objects of issuance, among which personal cards are divided into main cards and supplementary cards. Article 4 Applicants can apply for a personal master card from the card issuer with their valid identity document (including ID card, passport, military officer ID card, soldier ID card, police officer ID card, pass, etc., the same below) recognized by the public security department; personal master card application A person can apply for an supplementary card for his spouse and immediate family members; the money used by the supplementary card will be credited to the main card account, and the main cardholder is responsible for repaying all amounts payable by the supplementary card. Article 5 All corporate legal persons, agencies, public institutions, and social group legal persons registered within the territory of China may apply to the card issuer for unit (business) card application with the account opening license issued by the People's Bank of China and the valid identity document of the designated applicant. )Card. The applying unit can apply for several corporate (commercial) cards for its designated cardholders and is responsible for repaying all payables on the corporate (commercial) cards. Article 6 Organizations and individuals applying for a Pacific Card must fill in the application form truthfully and agree to abide by the "Bank of Communications Pacific Debit Card Regulations" (hereinafter referred to as the "Articles"), "Bank of Communications Pacific Unit (Business) Debit Card Application Agreement" or "Bank of Communications Pacific Personal Debit Card Use Agreement" (hereinafter collectively referred to as the "Use Agreement"). The card issuer has the right to decide whether to approve the applicant's card application.

The card issuer is responsible for keeping the applicant's personal information confidential (unless otherwise provided by law). Article 7 The funds in a personal card account shall be deposited with cash held or transferred with wages, personal legal service remuneration, investment returns and other income. It is strictly prohibited to deposit the company's funds into personal card accounts; funds in the company's (business) card account must be transferred and deposited from the basic deposit account. It is not allowed to deposit or withdraw cash or deposit its sales revenue into the company's (business) card account. Article 8 To apply for a Pacific Card, organizations and individuals must open a reserve deposit account at the card issuer. There is no limit on the minimum deposit amount and it can be renewed at any time. The card issuer will calculate interest in accordance with the current deposit interest rate stipulated by the People's Bank of China and withhold interest tax in accordance with the law. Overdrafts are not allowed on Pacific Card accounts. Article 9 The daily cumulative withdrawal amount from automatic teller machines (ATMs) with personal cards shall not exceed the prescribed limit; cash withdrawals with corporate (business) cards shall not be allowed. Article 10 Pacific Card holders must pay annual fees. Identification photo cards and personalized photo cards require additional costs when producing the cards. If you cancel your account in advance, the annual fee will not be refunded. Article 11 Cardholders must abide by the relevant regulations of the card issuer, China UnionPay, acquiring banks and relevant acceptance institutions when making inquiries, consumption, cash deposits and withdrawals, and transfers at home and abroad. Article 12 The Pacific Card is valid for a long time. If the cardholder stops using the Pacific Card midway, he must return the Pacific Card to the card issuer in time and go through the account cancellation procedures. When canceling the account, the funds in the unit (business) card account should be transferred to its basic deposit account, and no cash withdrawal is allowed. Article 13 When receiving the Pacific Card, the cardholder should immediately sign the same name as on the application form in the signature column on the back of the Pacific Card, and use this signature when using the card. All transactions conducted using passwords (including transaction passwords and query passwords, the same below) will be deemed by the card issuer to be conducted by the cardholder himself. All electronic information records generated by various transactions conducted based on electronic information such as passwords are valid credentials for the transaction; for transactions conducted without passwords, the transaction voucher registered with the cardholder's signature is valid for the transaction. According to the certificate, the card issuer has the right to credit the cardholder's receipts and payments and fees for using the Pacific Card into his or her account. Article 14 Card issuers shall provide cardholders with inquiry, reconciliation, loss report, consultation, complaint and other services. Cardholders should promptly check the account contents of the Pacific Card through telephone banking, online banking or multimedia inquiry machines every month. Any objections to the account contents must be submitted within 60 days from the bank accounting date of the transaction. For inquiries and correction requests, the card issuer will respond within 30 days. If the cardholder does not raise any objection within 60 days from the bank recording date of the transaction, it will be deemed that the cardholder approves all transactions. Article 15 The cardholder must properly keep the Pacific Card and password. All losses caused by improper card storage and password leakage shall be borne by the cardholder. The card issuer has set up a 24-hour loss report service hotline. Cardholders who lose their Pacific Cards should promptly report the loss in writing or by phone or other non-written means. The card issuer should promptly handle the loss report procedures after receiving the loss report application. The loss report will take effect immediately upon completion of the loss report procedures. The cardholder shall be responsible for any economic losses incurred before the loss reporting procedures are completed with the card issuer. Cardholders must pay a loss reporting fee when reporting a loss. If you need to apply for a new card after reporting the loss, you can go through the card replacement procedures with your valid identity document. A card replacement fee will be required to replace the new card. If the cardholder forgets or loses his password, he should submit a written application for password change to the card issuer with his Pacific Card and his valid ID, and pay the handling fee for reprinting the password envelope. The bank card traffic control department can act as an agent to write down the list of certificates. Article 16 If there are any changes to the information filled in the application form, such as mailing address, contact number, residential address, etc., Pacific Card holders should immediately report it in writing. Notify the card issuer, otherwise any delay or loss caused will be borne by the cardholder. Article 17 Pacific Card cardholders shall not refuse to pay the amount owed on the grounds of disputes with merchants. The cardholder shall bear any losses caused by the cardholder's transaction failure due to objective reasons such as communication network failure, as well as the risks and losses caused by the cardholder's use of the Pacific Card on the Internet. The card issuer shall not bear any responsibility. However, this is not the responsibility of the card issuer.

Article 18 If anyone forges or alters a Pacific Card, uses a forged or invalid Pacific Card, or uses someone else’s Pacific Card to defraud property, the card issuer shall deal with it in a timely manner and transfer it to judicial authorities when necessary; If the terms and conditions cause losses to the card issuer, the card issuer has the right to apply for legal protection and hold the cardholder or relevant parties legally responsible for their legal liability. Article 19 Cardholders shall abide by these Articles and the "Contract of Use". If the cardholder violates the relevant provisions of this Article and the "Contract of Use", the card issuer has the right to cancel the cardholder's card use qualification and may Authorize affiliated institutions and authorized merchants to take back their Pacific Cards. Article 20 The card issuer has the right to adjust the interest rates involved in this Article in accordance with the standards of the banking regulatory department, and has the right to formulate or adjust Pacific Card fee items, fee standards and fees in accordance with the relevant provisions of the "Interim Measures for the Management of Commercial Bank Service Prices" After the charging content such as the method is announced by the card issuer, the cardholder shall pay the fees according to the charging content announced by the card issuer. Article 21 If there are any modifications to these Articles or adjustments to Pacific Card fees, the card issuer shall make an announcement at the relevant business location 10 working days before implementation. After the expiration of the announcement period, the revised articles of association or charging content will take effect. During the announcement period, cardholders can choose whether to continue using Pacific Cards. If the cardholder decides not to continue using the Pacific Card due to objections to the modification of the articles of association or the adjustment of the charges, he or she may apply to the card issuer for account cancellation, and the card issuer will handle the account cancellation procedures for him. If the cardholder fails to apply for account cancellation after the expiration of the announcement period, it will be deemed that he has agreed to the modification of the articles of association or the adjustment of the charging content. Article 22 Matters not covered in this Article of Association shall be implemented in accordance with applicable laws and relevant business regulations of Bank of Communications. The specific rights and obligations of the card issuer and the cardholder are specifically stipulated in the "Acquisition Contract". Article 23 This Article of Association shall be formulated and interpreted by Bank of Communications and shall be implemented upon approval by the China Banking Regulatory Commission. Receipt Contract Personal Receipt Contract The authorized branch (office) of the Bank of Communications Branch (hereinafter referred to as "Party A") and the principal card applicant of the Pacific Personal Debit Card (hereinafter referred to as "Pacific Card") (hereinafter referred to as "Party B") and The applicant for the supplementary card (hereinafter referred to as "Party C"), on the premise that he is aware of and is willing to abide by the "Bank of Communications Pacific Debit Card Regulations" (hereinafter referred to as the "Articles"), applies for the Pacific Card, This contract is reached on matters such as use, account cancellation and repossession. The signature of Party B and Party C on the Pacific Card application form shall be deemed as Party B and Party C having known, understood and agreed to abide by the Articles of Association and the terms of this contract. Article 1 Information Disclosure and Confidentiality 1. Party B and Party C shall fill in the application form and submit relevant information accurately, completely and truthfully in accordance with Party A’s regulations. 2. If there is any change in the information filled in the application form by Party B and Party C, such as mailing address, contact number, residential address, occupation, income, etc., Party A shall be notified immediately in writing. Unless Party A actually receives such change notice and changes the relevant records, the original information will remain valid. Any delay or loss caused by Party B's failure to notify Party A in time, or Party A's failure to receive the change notice, or before Party A changes the relevant information, shall be borne by Party B. 3. Party A shall have the obligation to keep confidential all information about Party B and Party C’s receipt and use of Pacific Cards, as well as other information and materials related to Party B and Party C, except for the following circumstances: 1. Applicable laws and regulations (including any subsequent modifications, changes or substitutions, hereinafter referred to as "applicable laws") mandate disclosure; 2. Disclosure is required by the legal department, *** department or regulatory department; 3. Party B and Party C agree or authorize Party A to disclose. Article 2 Application for Pacific Card Party A has the right to decide whether to approve Party B’s application for a card. If Party A decides not to issue a Pacific Card, the application materials provided by Party B will not be returned. Article 3 Accounts Payable 1. Accounts payable include various fees incurred by Party B and Party C when using the Pacific Card, including but not limited to annual fees, loss reporting fees, non-local cash deposits and withdrawals or transfer fees, etc. 2. All expenses incurred by Party B and Party C after using the Pacific Card will be credited to Party B's account. 3. Party B authorizes Party A to deduct the funds in the Pacific Card account to repay Party B's payables. Article 4 Transaction Methods and Transaction Vouchers 1. Password includes transaction password and query password (the same below).

If you enter the wrong transaction password three times in a row on self-service equipment (including but not limited to ATM, CDM, CRS, multimedia terminals, telephone banking, online banking, mobile banking, etc., the same below) and POS on the same day, your Pacific Card will be locked. Any transactions using transaction passwords cannot be processed on self-service equipment and POS. Party B or Party C needs to go to the counter of Party A’s business outlet to handle Pacific Card unlocking transactions with their Pacific Card and their valid ID. If you enter the wrong query password six times in succession in online banking, your Pacific Card will be locked and you will not be able to handle any transactions using the query password in online banking. Party B or Party C must bring your Pacific Card and your valid ID to the counter at Party A's business outlet. Handle the Pacific Card unlocking transaction in person. 2. All transactions conducted using Party B’s or Party C’s password will be deemed to have been made by Party B or Party C themselves. The electronic information transaction records generated by various transactions conducted based on electronic data information such as passwords are valid certificates for the transaction. For transactions that do not require the use of passwords, the transaction voucher recorded with the signature of Party B or Party C is a valid voucher for the transaction. 3. When Party B and Party C receive the Pacific Card, they should immediately sign the same name as on the application form in the signature column on the back of the Pacific Card, and use this signature when using the card, otherwise Party B will be responsible for any resulting losses. 4. Party B and Party C must abide by the relevant regulations of Party A, China UnionPay, acquiring banks and relevant acceptance institutions when consuming, depositing and withdrawing cash, and transferring funds. 5. When handling cash withdrawal and transfer transactions at Party A’s business outlets, if Party B or Party C is unable to go there, they can entrust others to handle it on their behalf. The entrusted agent must present the valid identity documents of himself and Party B or Party C at the same time. Any transaction conducted using Party B's or Party C's password shall be deemed as the entrusted agent has obtained the legal and valid authorization from Party B or Party C. Party B shall be responsible for all losses caused by entrusting an agent. 6. If any amount not due to Party B or Party C is mistakenly deposited into Party B's account, Party B authorizes Party A to deduct the amount from Party B's account upon verification and confirmation by Party A. 7. If Party B and Party C have questions about the transaction, they have the right to request Party A to assist in the inquiry. During the inquiry process, if Party B and Party C entrust Party A to obtain relevant transaction document certificates, they must also pay the corresponding handling fee. If Party B and Party C do not raise objections within 60 days from Party A's accounting date of the transaction, it will be deemed that Party B and Party C have approved the transaction. 8. Party B and Party C’s daily cumulative withdrawal amount per card on the self-service equipment shall not exceed the prescribed limit of the self-service equipment. Article 5 Password Reset and Pacific Card Loss Report 1. If Party B or Party C forgets the Pacific Card password, the person shall submit a written application for password reset to Party A with the Pacific Card and the valid identity document used when applying for the Pacific Card. Party A shall approve the password reset application. After review and approval, the password will be reset and the password envelope filled in, and Party B will pay the corresponding fees. 2. If Party B or Party C loses their Pacific Card, they should promptly report the loss in writing or by phone or other non-written means. The loss report will take effect immediately upon completion of the loss reporting procedures. 3. If Party B or Party C forgets their password or loses their Pacific Card, Party A will not bear any responsibility if any of the following circumstances occurs, and all losses will be borne by Party B: 1. All transactions conducted using the password before the password was reset; 2. All transactions under the Pacific Card that occurred before the completion of the loss report procedure; 3. Party B or Party C committed fraud or other violations of the principle of good faith; 4. Party B or Party C did not sign on the back of the Pacific Card and was used fraudulently by others; 5. Party B or Party C failed to keep their valid identity documents or their passwords were leaked and used by others fraudulently; 6. Party A investigated the relevant situation and was rejected by Party B or Party C. Article 6 Other Terms of Use 1. If the following circumstances occur, Party A has the right to cancel Party B and Party C's card-using qualifications, and authorizes its affiliated institutions and special merchants to take back the Pacific Card. At the same time, Party B shall bear all losses arising therefrom. Party B and The annual fee paid by Party C is not refundable: 1. Party B or Party C transfers or lends the Pacific Card or account to others; 2. Party B or Party C uses the Pacific Card to engage in illegal activities; 3. Party B or Party C commits fraud or other violations Behavior based on the principle of good faith; 4. Party B or Party C violates other provisions of this contract. 2. Party B or Party C shall not refuse to pay dues on the grounds of disputes with merchants; Party A does not assume any responsibility for losses caused by Party B or Party C's failure to use the card due to objective reasons such as network failure. All risks and losses caused by Party B or Party C's use of Pacific Card on the Internet shall be borne by them.

Article 7 Account Cancellation Terms of Pacific Card 1. If Party B or Party C needs to stop using Pacific Card midway, they shall submit a written application for account cancellation to Party A. If Party C proposes to cancel the card, Party B can continue to use the Pacific Card; if Party B proposes to cancel the card and account, Party C must cancel the card at the same time. 2. If Party A has no payable or frozen funds when Party A accepts Party B's written account cancellation application, Party A will handle the account cancellation procedures for it on the same day. If Party A still has payables or frozen funds when Party A accepts Party B's written account cancellation application, Party A will handle the account cancellation procedures for Party B after Party B has no payables or frozen funds. All payables arising from the use of Pacific Card before the account cancellation procedures are completed shall still be borne by Party B. The above payables shall be deemed to be fully due and shall be paid off by Party B in one go. Party A will not refund the annual fee collected. 3. There have been no transactions in the Pacific Card accounts of Party B and Party C for two consecutive years, and the balance is zero; and Party B and Party C have not used Pacific Cards to activate any business functions, including but not limited to fund trading accounts, Pacific credit card automatic repayments, Party A has the right to automatically handle the account cancellation procedures for Party B and Party C for Foreign Exchange Treasure, Yinxintong, Shuangli Account, self-service transfer, customized transfer, etc. 4. This contract shall terminate upon completion of the account cancellation procedures. Article 8 Terms of Use of Personalized Photo Cards 1. Party B and Party C need to provide Party A with personalized photos (including electronic documents) when applying for personalized photo cards. Personalized photos include personal art photos, family photos, pets, scenery, etc. kind of photos. 2. The personalized photos provided by Party B and Party C to Party A must not violate relevant laws and regulations; and Party B and Party C own all rights or authorizations such as portrait rights and copyrights for the photos they provide; Any disputes or lawsuits arising from such disputes or lawsuits shall be resolved by Party B or Party C on their own and shall be directly liable to the third party; Party A may suffer economic losses (including but not limited to compensation, litigation fees, attorney fees, reputation, etc.) due to such disputes or lawsuits. loss expenses, etc.), the losses shall be borne by Party B or Party C. 3. Any photos submitted by Party B and Party C, including decorations, slogans, symbols, etc. on the photos, involving the following content will not be accepted. Party A has the right to require Party B or Party C to replace the photos provided: (1) With Words and graphics that are the same as or similar to the country names, national flags, national emblems, military flags and medals of various countries; (2) Words and graphics that are the same as or similar to the flags, emblems and names of various countries or international organizations; (3) Words and graphics that are the same as or similar to the flags, emblems and names of various countries or international organizations; (3) " "Red Cross" and "Red Crescent" signs, words and graphics with the same or similar names; (4) Words and graphics that are ethnically discriminatory; (5) Words and graphics that are exaggerated and deceptive; ( 6) Text and graphics that are harmful to socialist morals or have other adverse effects; (7) Place names of administrative divisions at or above the county level in my country and foreign place names known to the public; (8) Advertisements, promotional information or names or trademarks of branded products ; (9) Celebrities, musicians, public figures or athletes (except those where the applicant has portrait rights); (10) Various telephone numbers; (11) Names or logos of various unrecognized organizations or groups; (12) Patterns that infringe on cultural or religious beliefs; (13) Olympic logo patterns; (14) Names or logos of companies or organizations that compete with Party A; (15) Placements prohibited by laws and regulations Other contents; (16) Photos that Party A considers unacceptable. 4. Party B and Party C should provide photos when applying for a Pacific Card, or applying for a reissue or loss report. Party B and Party C can provide original photos or new photos when applying for a reissued card or a replacement card reported as lost. The photo provided will be printed after Party A has reviewed it, and the photo will not be returned. If the photo provided does not meet the requirements, Party B or Party C should replace the photo and apply again. Article 9 Application of law and dispute resolution This contract shall be governed by the relevant laws of the People's Republic of China. Disputes arising from the performance of this contract shall be under the jurisdiction of the people's court where Party A is located. Article 10 Others 1. The Pacific Card application form, fee schedule, and "Articles of Association" are integral parts of this contract. The charging items, charging standards and charging methods of Pacific Card shall be subject to the provisions of the fee schedule. 2. Party A has the right to amend this contract, including the Pacific Card application form, fee schedule and "Articles of Association", and make an announcement at the relevant business location 10 working days before implementation. After the expiration of the announcement period, it will be binding on the parties to this contract. 3. Unless otherwise agreed by the parties, unfinished matters will be handled in accordance with Party A’s business regulations and financial industry practices.

4. This contract will take effect after Party B and Party C sign the business acceptance letter printed by Party A, and Party A’s authorized representative signs (or stamps) the business acceptance letter or affixes Party A’s business seal. Unit Receipt Contract Bank of Communications _______ Branch (hereinafter referred to as "Party A") and the applicant for the Pacific Unit Debit Card (hereinafter referred to as "Pacific Card") (hereinafter referred to as "Party B"), apply for Party A from Party B By using Pacific Card, on the premise of being aware of and willing to abide by the "Bank of Communications Pacific Debit Card Regulations" (hereinafter referred to as the "Articles"), the following contract has been reached through friendly negotiation: Article 1 Information Disclosure and Confidentiality 1. Party B shall According to Party A’s regulations, fill in the application form and submit relevant information accurately, completely and truthfully. 2. If the information filled in the application form by Party B changes, such as mailing address, contact number, residence, etc., Party B shall immediately notify Party A in writing. 3. Party A shall have the obligation to keep the above information and materials confidential, unless otherwise provided by laws and regulations. 4. Party B authorizes Party A to provide all information on the receipt and use of Pacific Card to credit reporting agencies in accordance with the regulations of the government and banking regulatory authorities. Article 2 Application for Pacific Card Party A has the right to decide whether to approve Party B’s application for a card. If Party A decides not to issue a Pacific Card, the application materials provided by Party B will not be returned. Article 3 Accounts Payable 1. Accounts payable include various fees incurred by Party B when using the Pacific Card, including but not limited to annual fees, loss report handling fees, etc. 2. If Party B applies for multiple Pacific Cards for its designated cardholders, all fees incurred after using the Pacific Cards will be credited to Party B's account. 3. Party B authorizes Party A to deduct the funds in the Pacific Card account to repay Party B's payables. Article 4 Transaction Methods and Transaction Vouchers 1. All transactions conducted using the password of the cardholder designated by Party B will be deemed to be conducted by the cardholder designated by Party B. The electronic information transaction records generated by various transactions conducted based on electronic data information such as passwords are valid certificates for the transaction. 2. When Party B designates the cardholder to receive the Pacific Card, he should immediately sign the same name as on the application form in the signature column on the back of the Pacific Card, otherwise Party B will bear the resulting losses. For transactions that do not require the use of a password, the transaction voucher recorded with the signature of the cardholder designated by Party B shall be the valid voucher for the transaction. 3. Cardholders designated by Party B are not required to show their identity documents when making purchases at special merchants with their Pacific Cards and transaction passwords (unless required by the special merchants). 4. If Party B has any questions about the transaction, it has the right to ask Party A to assist in the inquiry. During the inquiry process, if Party B entrusts Party A to obtain relevant transaction document certificates, it must also pay the corresponding handling fee. If Party B does not raise any objection within 60 days from Party A's accounting date of the transaction, Party B will be deemed to have approved the transaction. Article 5 Password Reset and Pacific Card Loss Report 1. If the cardholder designated by Party B forgets the Pacific Card password, he or she shall submit a written password reset application to Party A with the Pacific Card and the valid identity document used when applying for the Pacific Card, which shall be reviewed by Party A. After agreeing, Party B will reset the password and refill the password envelope, and Party B will pay the corresponding fees. 2. If the cardholder designated by Party B loses the Pacific Card, he should promptly report the loss in writing or by phone or other non-written means. The loss report will take effect immediately upon completion of the loss reporting procedures. 3. If the cardholder designated by Party B forgets his password or loses his Pacific Card, Party A will not bear any responsibility if any of the following circumstances occurs, and all losses will be borne by Party B: 1. All transactions conducted using the password before the password was reset; 2 . All transactions under the Pacific Card that occurred before the loss report procedure was completed; 3. Party B or its designated cardholder committed fraud or other violations of the principle of good faith; 4. Party B’s designated cardholder failed to sign on the back of the Pacific Card and was Used by others fraudulently; 5. The cardholder designated by Party B fails to keep his or her valid identity document or the password is used fraudulently by others due to leakage; 6. Party A investigates the relevant situation and is rejected by Party B or its designated cardholder. Article 6 Other Terms of Use 1. If the following circumstances occur, Party A has the right to cancel Party B’s card-using qualifications and authorize its affiliated institutions and special merchants to take back the Pacific Card. At the same time, Party B shall bear all losses arising therefrom. Fees are non-refundable: 1. Party B or its designated cardholder transfers or lends the Pacific Card or account to others; 2. Party B or its designated cardholder uses the Pacific Card to engage in illegal activities; 3. Party B or its designated cardholder has Fraud or other acts that violate the principle of good faith; 4. Party B or its designated cardholder violates other terms of this contract.

2. Party B shall not refuse to pay the amount due on the grounds of dispute with the merchant. Party A does not assume any responsibility for losses caused by failure of the cardholder designated by Party B to use the card due to network failure or other objective reasons. All risks and losses caused by Party B's designated cardholder using the Pacific Card on the Internet shall be borne by Party B himself. Article 7 Account Cancellation Terms of Pacific Card If Party B needs to stop using Pacific Card midway, he shall submit a written application for account cancellation to Party A. Party A will handle the account cancellation procedures for Party B 7 days after accepting Party B's written account cancellation application. All payables incurred due to the use of Pacific Card before the account cancellation procedures are completed shall still be borne by Party B. The above payables shall be deemed to be fully due and Party B will pay it off in one lump sum, and Party A will not refund the annual fee collected. This contract shall terminate upon completion of the account cancellation procedures. Article 8 Application of law and dispute resolution This contract shall be governed by the relevant laws of the People's Republic of China. Disputes arising from the performance of this contract shall be under the jurisdiction of the people's court where Party A is located. Article 9 Others 1. The application form and the "Articles of Association" are an integral part of this contract. 2. Party A modifies this Contract, the Articles of Association or adjusts interest rates, charging items, charging standards, etc. Once the modification or adjustment is announced, it will be binding on the parties to this Contract. 3. Unless otherwise agreed by the parties, any unfinished matters shall be handled in accordance with Party A’s business regulations and financial industry practices. 4. This contract shall come into effect upon signature and official seal of the legal representative or principal responsible person of the parties.