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As the first bank-led personal carbon reduction account in China, the "CITIC Carbon Account" quantifies individual carbon emission reductions using scientific methods, turning green consumption behaviors into digitalized, visible, and valuable assets. With the commitment to fostering the "carbon inclusion" development in urban regions, the "CITIC Carbon Account" was pioneeringly launched on April 22, 2022. Since its launch, the account has continuously evolved and innovated. It now supports nationwide account opening and has cumulatively calculated carbon emission reductions in 13 financial and low-carbon consumption scenarios. By tracking and calculating users' emissions-saving activities within environmentally sustainable contexts, the platform aggregates these savings into individual carbon assets. This innovative approach empowers users to leverage their carbon savings towards redeeming eco-conscious rewards and purchasing green products, thereby effectively guiding the public transformation towards green consumption.

Meanwhile, in 2023, the low-carbon ecosystem platform built around the CITIC Carbon Account expanded its member base to 23 entities. Together with its platform partners, the Bank introduced a green consumption system covering various aspects of consumer life, such as green new energy, green transportation, green recycling, green reading, green digital services, and green dining, integrating green and low-carbon lifestyles into consumers’ daily lives. Additionally, the Bank collaborated with China Union Pay to launch the industry’s first "Carbon Account Interconnection System", connecting the "CITIC Carbon Account" with China Union Pay’s "Low Carbon Program" services. This initiative marked the first interconnection and mutual recognition of carbon accounts in the financial industry, providing users with a more diverse experience in green and low-carbon consumption.

The "CITIC Carbon Account" has captivated widespread interest and acclaim from all sectors of society since its inception. By the end of 2023, the user base had exceeded eight million people, with a cumulative emission reduction of over 10,000 tons. It received honors such as "2023 ESG Green Finance Model Case in the Banking Industry", the "Global Green Finance Award - Innovation Award" from the third International Finance Forum (IFF), and the "Green Finance Pioneer Innovation Award" from the Financial Society of Shenzhen Special Economic Zone, among others.

The Credit Card Center of the Bank has always adhered to the principle of "building public welfare platforms, advocating public welfare ideas, and encouraging personal practices", and facilitated educational assistance through donating credit card points by cardholders, setting the first model in China. Since the establishment of the "Ai Xin Hui" (literally meaning "love, trust and unity) public welfare platform in 2011, the construction and operation of the platform have been constantly promoted from the three dimensions of "customer service, finance for the people, and rural education", and the points donated by cardholders were used to help schools and children in economically underdeveloped areas and remote mountainous areas. By the end of 2023, 1.5 million person-times donated their points on the platform, and with these points, which were converted to more than 210 "Dream Centre" multimedia classrooms and supporting courses for schools in 28 provinces, municipalities and autonomous regions across the country.

Moreover, over the years, the bank has consistently organized three major offline activities, including 13 sessions of the "Dream of Volunteer Teaching" initiative by the volunteers from the bank, the "Sharing and Love" charity auction, and 11 themed summer camps. Collectively, these programs have involved over 1,000 employee volunteers, who have provided more than 4,500 hours of public service and educational support, spanning a distance of 110,000 kilometers. Through these charitable efforts, the "Ai Xin Hui" public welfare platform has enriched the educational experiences of over 200,000 teachers and students with high-quality programs.

In March 2023, the Bank, in collaboration with the "Powerful Nation with Brands" project of CCTV, unveiled the first public welfare brand feature film - "Belief in Love, You’ll See a Future", which presented the public welfare actions and achievements of the "Ai Xin Hui" platform over 13 years. In the future, the Bank will practice the principle of finance for the people as always, continue to promote rural revitalization through educational assistance with the "Ai Xin Hui" platform as a carrier, and contribute "CITIC Force" to society.