【Convenient Payment】

• Low-cost Settlement Tool: “CIB Online” innovatively launched the IB e-card, an all new-concept virtual card for internet banking. It saves you the trouble of having to apply at a bank outlet and will be instantly available for use when activated on the internet. Transfers between IB account and non-IB account with an IB e-card will be totally free of charge if there is an IB outlet at the place where the bank in question is located. The default functions of the IB e-card include online transfer, online payment, online shopping payment and online fund transactions, among which, online transfer carrries a default daily limit of RMB 10,000 Yuan whereas the default daily limit for online shopping payment is RMB 5,000 Yuan.

• Brand-new One-stop Payment Service: You may complete payment in an one-stop manner. For some payments (for example, mobile phone payment), IB offers scheduled payment services whereby the payment date and payment amount can be set in advance, achieving unalloyed one-stop payment management.

• Scientific Payment Management: “CIB Online” has launched a scheduled transfer service. You can set lump sum payment or periodic payment within an one-year cycle in advance. When the date is due, IB will automatically make a transfer on your behalf. As the payment frequency can be flexibly set, it is ideal for mortgage repayments or other timed payments.

• Fashionable Online Shopping Payment: Around 100 online malls support online payment with the IB card, with purchasable goods including general merchandise, computers & telecommunications equipment, flowers, gifts, books and music. You can enjoy the fun of fashionable shopping by an easy way.

• Considerate Smart Messenger: “CIB Online” offers a SMS service, informing you of account changes at the first time.

• Reliable SMS message Guard: IB provides a security service for online transactions via mobile phone messages. Your online transfer will be secured by a unique authentication code that is sent to your mobile phone.

【Easy Wealth Management】

• Numerous Wealth Management Products: Wealth management services of all varieties can be completed with ease, inclu ding transfer between fixed and current accounts, call deposit, Ease Fortune, automatic deposit upon limit excess, the purchase of government bonds, transfer of third-party depository, open-end fund trading, purchase of wealth management products and physical gold trading. These services allow you to make more from your money.

• Express Purchase of Treasury Bonds: You can make a real-time purchase of certificated treasury bonds through internet banking which are sold on consignment at IB.

• Favorable China Unionpay Fund: Cooperating with the China Unionpay Electronic Payment Services Co., Ltd, IB has launched a next-generation marketing system for open-end funds. You can purchase a variety of products provided by fund companies from the comfort of your own home with easy and simple procedures and preferential rates.

• Intelligent Automatic Deposit upon Limit Excess: A retaining amount in a current account of your card can be set in advance. Once the amount in your account surpasses the retaining amount, the sum exceeding this amount will automatically be transferred into a time deposit or a call deposit account so that your interest will be raised.

• Safe Third-party Depository: With cooperative relations with a number of securities traders, IB offers third-party depository services to make your securities funds safer and the transfers more convenient.

• Emerging Personal Physical Gold Trading: Cooperating with the Shanghai Gold Exchange, IB led the way in launching a management system for gold trading, which is used especially to handle the physical gold trading transactions of individual customers.

• Convenient Ease Fortune: Based on the call deposit, IB provides “Ease Fortune” service, which includes types of “Gold Snowball” and “Daily Gold”, to achieve compound interest for clients' fund.

• Complete Foreign Exchange Trading Service: IB offers 24-hour foreign exchange trading service based on real-time quotations, helping you to make that little bit extra.

【Easy Financing】

• Express Self-served Pledge Loan: Once “Online Loan” has been activated, a pledge loan can be applied for and granted anytime upon the time deposit, treasury bonds and wealth management products purchased in an account. The amount shall be granted in real time without needing to sign numerous agreements over the counter in a Bank outlet. Once activated, it is time-saving, efficient and self-service all the way.

• Convenient Loan Repayment: The self-service pledge loans that you have applied for can be repaid through internet banking with ease.

• Convenient Application for Consumer Credit: If you intend to apply for a consumer loan, you may submit your application online, following which you will be contacted by a client manager from the Bank.

【Scientific Management】

• Client-number-centered Internet Banking Management Mode, First of its kind in China: A single client number can be registered for multiple IB's accounts (including IB card, bankbook etc), so that the efficient, practical and centralized management of family funds can be realized.

• One-stop Self-service Channel Management: Through internet banking, the active status of internet banking, telephone banking, mobile phone banking, mobile payment, and SMS message service can be checked. If you log-on to internet banking with a certificate you will have the right of activating, deactivating or modifying these functions as you desire, achieving one-stop banking channel management.

• Complete Transaction Records: In addition to you financial transaction records at IB, all records of your internet banking are also available for enquiry.

• Multiple Log-on Modes: You can log-on to internet banking via client number, bank account, or a user-defined name (namely, a log name set up by the user). Your log-on mode also can be changed if required.

【Safety Tips】

1. Log-onto Internet Banking through IB's home page www.cib.com.cn. Do not visit our web pages through any hyperlinks provided by a non-IB website.

2. We suggest that you use a IB certificate and SMS message guard to make internet banking even more secure.

3. To avoid being led into a phishing or fake website, you can use the information authentication function provided by IB to guarantee the security of your banking. You will have the option of setting a preset message that will be used when you log-in to internet banking. The message in question will be displayed on the top of the page each time you log on to personal internet banking. If the message is not displayed or is incorrect in any way, it might be that the site that you are on does not belong to the Bank. Leave the website and call customer services on 95561.

4. For the safety of your funds, you are suggested not to use your ID number, phone number, date of birth, repeated or continuous numbers as your account password. You are also advised to change the password at irregular intervals, and try to use an on-screen keyboard to enter your password as much as possible.

5. Under no circumstances will the bank ever request that you provide your personal details and data in an e-mail, a letter, a phone call or a mobile phone message. Therefore, please give no credence to such correspondences, which aim to elicit your account number and password. You shall also be careful not to disclose your ID number, account number and password to other people.

6. It may be necessary to check the security of your computer regularly. To avoid viruses, we advise that you refrain from visiting unknown websites or opening e-mails from unknown sources. The latest security patches for your operating system and browser should be downloaded and installed in time.

7. In the interests of account security, password lock protection has been set. When six consecutive input errors of password (s) for logging on to internet banking occur, your internet banking will be automatically frozen by the system to prevent your password from being cracked. In the event that you have already logged-on to internet banking, the system will automatically log-off your internet banking if no operation has been performed for 15 minutes.

8. The use of internet banking in a public place or on computers other than your own should be avoided to the greatest extent.

9. Be aware of dangers. We recommended that you install anti-virus software and security patches and upgrade regularly.

10. Call IB's National Customer Service Hotline on 95561 immediately if you should discover anything suspicious.