The IB e-card is a new online banking concept card brought to you by the Industrial Bank. The card can be used exclusively online, where fund transfers, bill payment and other online payments can be performed with ease. A physical card is also available, which can be used at bank outlets and with UnionPay ATM and POS machines. Just enjoy the freedom of a new life online with the IB e-card.

【Product Features】

Easy to Get Started

Regardless of where you are or whether you are an Industrial Bank client or not, all you have to do is to log on http://www.cib.com.cn to put in an application for an e-card. Clients that already hold an Industrial Bank card can use it immediately.

Special Rates

Special rates can be enjoyed when using the e-card to transfer money to an account in another bank through internet banking or when a transfer is made to your e-card from an account in another bank, providing that there is an Industrial Bank outlet in the location of the other account.

Plethora of Functions

As a member of the Industrial Bank card series, the IB e-card boasts most of the functions of an Industrial Bank card. Moreover, a number of online functions are available automatically, such as online transfer (daily limit of RMB 10, 000 Yuan), online bill paying, online shopping (limit of RMB 5,000 Yuan) and the buying and selling of funds. This vast array of functions makes your life in cyberspace that bit easier!

Use it How You Want

You don't need a “physical” card if you don't want, which means that you'll never have to worry about losing it. However, an actual card, which can be used at Industrial Bank branches and UnionPay ATM and POS machines, is available if you should require, letting you get a taste of a new and fashionable way of using bank cards.

【Charges】

Opening an Account: Free of charge

Requesting a Physical Card: Currently free of charge

Transfer through Internet Banking：

• Transfers to corporate and personal Industrial Bank accounts nationwide: free of charge;

• Inter-bank Transfer: If the receiving bank is not the Industrial Bank, the transfer can be made free of charge providing that the Industrial Bank has an outlet in the location of the receiving bank. In other scenarios, fees are charged at the same rates as Industrial Bank savings cards.

• Cash Withdrawal: fees for cash withdrawal (physical cards) are charged at the same rates as Industrial Bank savings cards.

• Cash Deposit: fees for cash deposits (physical cards) are charged at the same rates as Industrial Bank savings cards.

Note: The Industrial Bank reserves the right to alter its fees.

【How to Apply】

“CIB Online” Personal Internet Banking Users:

» Log-on to personal internet banking;

» Click on “IB E-card Online Application” found under the “IB E-card” channel;

» Choose the Industrial Bank card that you have already registered and enter your account password;

» Fill in your personal information and then set an account password and online payment password;

» When successful, your e-card will be registered under you user code and you will be able to enjoy the banking services brought to you by CIB Online straight away.

Industrial Bank Card Holders that have never used “CIB Online' Personal Internet Banking:

» Log-on to http://www.cib.com.cn and register a personal internet banking user code;

» With your code, log-on to personal internet banking and apply in the “IB e-card” channel to get your e-card.

New users:

» Log-on to http://www.cib.com.cn and click on “Apply for an IB E-card” on the home page;

» Fill in your personal information and then set an account transaction password and online payment password;

» Within 20 days, you must produce your personal identification at any Industrial Bank outlet across the country to have your identity confirmed.

» After confirmation, your IB e-card number and personal banking user code will be sent to the e-mail address that you have provided. If you have applied for an actual card as well, the card will be sent to the address that you have provided.

If you require a “physical” e-card, you should:

» Log-on to http://www.cib.com.cn and enter personal internet banking;

» Click on “Apply for a Physical Card” in the “IB e-card” section;

» Choose the e-card for which you would like a physical card and then confirm your mail address;

» Following successful registration, we will send the card to the address that you have provided. Once you have received the card, log-on to personal banking and click on “Confirm Receipt of Card” in the “IB e-card” section. Your card will be activated once you have confirmed receipt.

【Notices】

• Personal Identification can be used to apply for one e-card only.

• Without a physical e-card, withdrawals of RMB and foreign currency as well as transfers for foreign currency are not available.

• When transferring funds into the e-card from another bank, fill in your local In dustrial Bank for the Beneficiary Bank.

＊ Please feel free to call the Industrial Bank's national customer service hotline: 95561