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        Repayment
            Repayment Mode     Handling Fee     Time to Credit into Account
            Interbank repayment at 99bill.com     No fee for now     T+1 working day
            Interbank repayment at chinauionpay.com     No fee for now     T+1 working day
            Interbank repayment at ips.com.cn     No fee for now     T+1 working day
            Personal internet banking repayment     No fee for now     Real time
            Automatic transfer repayment     No fee for now     Payment due date
            Telephone banking transfer repayment     No fee for now     eal time
            Repayment at the counter of Huaxia Bank     No fee for now     Real time
            ATM repayment     Handling fee is charged according to the bank owning the ATM. Please contact the bank for detailed information and charging standards.     Real time
            Repayment at the counter of other banks     Handling fee is charged according to rules of transfer-out bank.     Please contact transfer-out bank for time to credit into account.
            Repayment with Lakala at convenient stores     No     T+1 working day
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