China Merchants Union Consumer Finance Co., Ltd. (“China Merchants Union Finance”) was established in March 2015. It is a licensed consumer finance company approved by the China Banking and Insurance Regulatory Commission and jointly established by China Merchants Bank and China Unicom. Its registered address is located in Qianhai, Shenzhen. The registered capital is 10 billion yuan. China Merchants Finance Co., Ltd. adheres to the guiding ideology of "not forgetting the original intention, and the benefits are endless" and the development concept of "inclusive mission, innovation-driven, core competence, and ultimate experience", and has achieved a balanced and stable development of scale, efficiency, quality and structure. Business indicators remain industry-leading. The company owns two major consumer financial product systems, namely "Haoqidai" and "Credit Payment", providing users with comprehensive online, guarantee-free and low-interest-rate inclusive consumer credit services. China Merchants Union Finance has fully covered shopping, tourism, education, decoration and other consumption scenarios, serving tens of millions of customers, and its business covers a wide range of areas across the country.