1.Industrial Bank Co., Ltd (hereinafter referred to as CIB, the Bank, we, or us, where the context allows and requires) shall provide, subject to this Article, Internet banking services under the name of CIB Online.

2.CIB Online is operated and maintained through the Internet or other public information networks. Based on different target clients, CIB Online is divided into CIB Online Personal for personal clients and Corporate Internet Banking for corporate clients.

3.CIB Online Personal offers personal clients with wealth management, transfer and remittance, online shopping payment, information inquiries and other personal Internet banking services.

Personal clients can visit our website via Internet, and enjoy financial information provided by CIB Online for free. However, to take use of services provided by CIB Online Personal that are involved in funds transfer as Online Shopping Payment, Transfer and Remittance and Wealth Management, personal clients shall handle an application in person over our counter.

4.When subscribing personal Internet banking services involved in funds transfer over the Bank's counter, personal clients shall present documents and materials required by the bank, complete the CIB Online Personal Banking Services Application Form with facts and sign with us the CIB Online Personal Banking Services Agreement.

5.Corporate Internet Banking deliver Corporate Internet Banking services such as account inquiry, account transfer within the corporation, outward payment, agency salary and bonus disbursement, settlement center service, notification and information service. All corporate clients who have opened accounts with the bank and who have good credit reputation, can submit application for Corporate Internet Banking over the account bank's counter.

6.When applying, corporate clients shall present documents and materials required by the bank, fill out the Corporate Internet Banking Banking Services Application Form with facts, and, after examined and verified by the bank, sign with us the Corporate Internet Banking Banking Service Agreement.

7. The Personal Client Number and its corresponding Logon Password of the personal client, or the Corporate Client Certificate and its corresponding password of the corporate client, are the only valid identification for the client to access to CIB Online and conduct banking online.

Any transaction conducted with the Personal Client Number and its corresponding Logon Password for personal client, or with the Corporate Client Certificate and its corresponding password for corporate client via CIB Online, is deemed as conducted by the client self.

8.The clients shall keep all their related accounts, corporate client certificate and passwords for CIB Online confidential. And the clients shall solely assume all the losses and be responsible for all the disputes incurred by improper custody or any leakage of their identification information.

In case of any damage or loss of the client's certificate, or any loss or lockup of the password, the client shall submit application for loss report and replacement instantly.

9. The clients shall access to CIB Online and conduct banking business in strict accordance with the CIB Online Clients' Manual. Otherwise, the clients shall be responsible for all the consequences arising from improper operations.

10.Electronic payment instructions sent by clients and accepted by the Bank, are the valid legal basis of transferring funds and making outward payment from the clients' accounts on behalf of the clients. "The CIB Online Client Receipt"generated automatically according to the corporate client's electronic payment instructions and sealed by the Bank upon successful transaction is the valid legal evidence for bookkeeping. The receipt requires no signature or seal of the corporate client.

11.The Internet banking services provided by CIB Online are charged according to the Payment and Settlement Methods and related regulations and circulars from the People's Bank of China (PBOC) and the Bank.

12.The Bank reserves the right to terminate the use or revoke the qualification of any client who has contravened any of these terms in the Article.

13. The Bank assumes no responsibility whatsoever for the system failure arising from force majeure.

14.The Article is formulated, construed and shall be revised and amended from time to time by the Bank. The implementation of the Article here, or any revised version, is subjected to the approval from the PBOC.

15.The Chinese version of this article shall prevail should there any discrepancy between the English version here and its corresponding Chinese one.