In compliance with the standards of international credit card organizations, and in order to provide more secure and convenient online shopping services, the Bank will from August 2020 onwards no longer use fixed password authentication to authenticate online credit card transactions. The Bank will fully switch to using dynamic SMS OTP authentication for authentication. The Bank shall send a dynamic SMS OTP password to the phone number or email address that you have on file at the Bank in order to authenticate online credit card transactions. Please be reminded that if you have not provided the Bank with a phone number or email address, or if you have not yet updated your basic information, please contact the Bank’s customer service as quickly as possible via telephone to update your information, or you may be unable to complete online transactions.