How to use the pre-fabricated NetShield

Download the pre-fabricated NetShield management software from the “Download Center” on IB homepage, install it and set a NetShield password. Open the IB NetShield management tool (double-click the IB icon on the system tray at the right lower corner of the screen), and click the menu “logon internet banking”.

The personal internet banking logon system always issues the notice: the verification code is invalid, or a notice is given immediately after logging on: this session has timed out, please logon again.

If an invalid verification code notice is always issued, please delete cookies in the “Option” ->” Internet option” menu. If the verification code fails to be issued please download the verification code patch from the “Download Center” on the IB homepage; if the verification code cannot yet be displayed, check the security setup of IE and set it to “medium”.

After installing the KB977377 and 971737 patches, they will influence the internet banking certificate logon

According to the announcement for KB977377 (patch description: substitute method for the server administrator to install prohibiting TLS and SSL re-negotiation), and KB971737 (patch description: installation of the updated program is helpful to strengthen identity verification credentials under some special circumstances), IB suggests for customers not to install the above patches; if you have installed them, please delete them with the “add/delete program” function in the WINDOWS operating system and then re-start the computer to logon to the IB internet banking again.

When the internet transaction requires a certificate signature, the system displays “error message: the object does not support this feature or method; prompt: the control may not have been installed or wasn’t installed correctly, after installing it please sign”.

A possible cause is that the installation of the certificate chain and signature control failed or is damaged. You may download the “certificate chain and signature control device” from the “Download Center” at the homepage.

When a customer imports a certificate to another computer, or the NetShield is changed to another computer, when carrying out a certificate logon the system displays the “the page cannot be displayed” message.

There are three possible causes:

1. After changing the computer, the certificate chain is not installed in the new computer. You may download the “certificate chain and signature control” from the “Download Center” and install it.

2. There may be some problems with the configuration of the customer’s IE proxy server, “Security” in “IE – > Internet options – > Connection – > proxy server” is left blank. Setting the “Security” to the same proxy as the other items is required.

3. Other IE configuration problems. Please make the following setup changes: go to the program column in “IE － > Internet options” and click “Web reset”; go to the advanced column of “IE － > Internet options” and click “restore to default setup”; go to the security column of “IE －> Internet options” and set the security level as default; go to the privacy column of “IE － > Internet options” and set the privacy to default.

What can I do if I forget the NetShield password?

First, check the type of NetShield; if it is a pre-fabricated NetShield (the NetShield ID begins with 95561) it needs to be replaced over the counter; if it is not a pre-fabricated NetShield (the NetShield ID does not begin with 95561) you may do as follows:

Step 1: initialize the NetShield: logon to the IB homepage (www.cib.com.cn), click “Download Center” to enter the download center column; in the “USBKey-related downloads”, according to the NetShield version download the corresponding NetShield initialization tool, then run the initialization USBKey tool.

Step 2: Go to a business outlet and apply to reissue the certificate.

Step 3: Logon to the IB homepage (www.cib.com.cn), click “Download Center” – “Certificate Download”, select the corresponding NetShield version, and download the certificate into the NetShield again.

When signing the certificate, how should “the property or method is not supported by the target” notification be handled?

In order to reinforce the security of the certificate, the China Financial Certification Authority (CFCA) has updated the certificate signature widget of our bank. Now, most customers can upgrade the widget normally. However, due to different computer circumstances, a few customers may not be able to do so. If you have encountered this problem, please try the following steps:

1. Exit the personal banking system.

2. Download the certificate signature widget and install it.

3. Log on to the personal/corporate banking system to verify whether the signature functions properly. 

4. If the signature still cannot be used, please try to replace the browser (such as Maxthon browser or 360 browser).

IB personal internet banking is a 24-hour service that is always on hand to meet your needs. Its four major features are as follows:

1. Safe and Practical

• You may choose to log on with or without a certificate. All data transmitted online is secured with advanced SSL128 bit encryption.

• Passwords for different purposes are offered to guarantee your funds. They include dedicated password for internet banking, dedicated payment code for online shopping etc.

• SMS message guard for online transactions adds another layer of security.

• The use of personal preset information will protect you from falling victim to phishing or fake websites.

2. Powerfully Functioned

Cooperating with securities companies, fund companies and ChinaPay E-Payment Service Co. Ltd , IB offers a wide range of powerful functions and services, including third-party depository, open-end fund trade, bank-Unionpay link fund trade and online payment.

3. Comprehensive Wealth Management

IB internet banking provides comprehensive wealth management services, ranging from transfer between fixed and current accounts, call deposit, automatic transfers upon limit excess, Ease Fortune, bond trading, agent fund sales, new wealth management products, third-party depository, gold trading and foreign exchange transactions. With IB, you can get more from your money.

4. Efficient and Time-saving

With a standard browser, you are able to enjoy services that are even better than those offered by the professional edition. Plus, there is no need for you to spend time and money downloading the huge professional edition.

1. No geographical restrictions: with a computer, you will be able to enjoy the financial services offered by IB at home or in the office, which saves you the bother of going to a bank outlet and having to queue up.

2. No Closing Hours: the opening hours of traditional bank counters are no longer able to satisfy the increasingly diverse demands of customers. IB internet banking offers you a 24-hour close service, meeting your financial needs in real time.

3. Customer Confidentiality: IB internet banking implements strict measures to guarantee the security and absolute privacy of your online business. You need not worry that your account information will be leaked.

What is the internet banking payment system?

In order to improve the settlement efficiency of inter-bank payments through internet banking, help commercial banks to upgrade their internet banking services, promote development of e-commerce in China and to better perform central bank payment and liquidation responsibilities, the People's Bank of China has newly established an “Internet banking payment system” in the second payment system. The system can interconnect the internet banking systems of all commercial banks, support the access of non-financial payment service organizations which have payment business licenses under the approval of the People’s Bank of China, achieve efficient inter-bank settlement processing of e-payment business, for example: online payments, and real-time deposit of funds into an account with the relevant feedback sent to customers instantly.

Which personal-internet-banking functions are based on the internet banking payment system?

Based on the internet banking payment system, personal internet banking can provide real-time inter-bank transfers, transfers from other banks to our bank, execution of agreements on transfers from other banks to our bank, cancellation of agreements on transfers from other banks to our bank, inquiries into accounts from other banks, execution of agreements for inquiries into accounts of other banks, and cancellation of agreements for inquiries into accounts of other banks.

How do you activate the real-time inter-bank transfer function?

To use this function firstly you need to go to any IB business outlet and then fill out and sign the Industrial Bank “Natural Life” Family Wealth Management Card Usage Agreement, or activate the internet transfer and remittance service using the certificate.

If you intend to activate the any-transfer function, you are required to use your personal certificate or activate the SMS online-transaction protection function for the safety of your funds. If you activate the designated transfer function, this function can only provide transfers and remittances between accounts specified in the agreement.

Is there any limit on the transfer amounts for real-time inter-bank transfers?

The upper limit for a single transfer is RMB 50,000; real-time inter-bank transfers, and transfer and remittances are subject to the one-transfer day limit.

Can real-time inter-bank transfers be carried out during the holidays?

Real-time inter-bank transfers is a 24/7 service. If the People’s Bank of China’s system closes or shuts down, etc, this function will be temporarily suspended. For detailed information please refer to the Bank’s notices.

Using the online inter-bank payment system to operate the real-time inter-bank transfer service, in general how long will it take for funds to arrive in the account?

The funds will arrive in the account instantly. The customer can check the transfer results on the transfer submission page, or use the online transaction details inquiry function to check the real-time inter-bank transfer history details.

When using the real-time inter-bank transfer service, is it also necessary to specify the receiving account’s holding bank branch?

Real-time inter-bank transfers using the internet banking payment system do not require you to specify the receiving account’s holding bank branch, only the receiving bank, e.g. Industrial and Commercial Bank of China (ICBC) is required.

Which receiving banks support real-time inter-bank transfers?

Receiving banks supported include all banks joining the inter-bank settlement system of the People’s Bank of China. Please see the pull-down menu of receiving banks or logon to the website of the People’s Bank of China to inquire.

Why do transfers to another bank sometimes receive a successful transfer notification even when the funds haven’t arrived?

When encountering this type of problem it is mainly due to problems in the other bank when processing the transfer. In this instance the receiving bank sends us a funds-deposited notice, however the funds actually have not reached the target account. Please contact the recipient’s bank’s customer service center to inquire.

How can I use the function for transfers from other banks to this bank?

Before using the function for transfers from other banks to IB, you are required to specify an IB account and an account of another bank to sign an agreement between. You can initiate the signing in the signing-agreement column, or you can logon to the internet-banking system of another bank to submit an agreement notice to IB. After signing the agreement you can enter the page for transfers from other banks to this bank, where you may select an IB account for receiving, and then click “next”; from the agreement list signed you can select an account of the bank where you need to transfer from; and then you can just transfer from that bank this bank.

Are there any limits on transfers from other banks to IB?

When signing the agreement on transfers from other banks to IB, you can set the “upper limits for a single transfer amount, daily accumulated transfer amount, monthly accumulated transfer amount, daily accumulated transfer amount, and monthly accumulated transfer amount”. The upper limit for a transfer via the People’s Bank of China’s system is RMB 50,000. If you set the limit for single transfer amount above RMB 50,000, the upper limit for single transfer amount shall be the amount set in the system of the People’s Bank of China; if you set the limit for single transfer amount below RMB 50,000, the upper limit for single transfer amount shall be the amount set in the agreement.

To inquire about information regarding transfers from other banks to IB and the information of accounts from other banks, is activating SMS protection or a certificate for IB accounts required?

Activating SMS protection or a certificate isn’t required. All internet banking users may logon to the system to initiate signing an agreement or transact business.

Does IB charge any fees for inquiring about information regarding transfers from other banks to IB and the information of accounts from other banks?

During the promotional period of the service we do not charge any fees. In the event of charging any fees, IB will provide a bulletin on our home page. Please check IB notices for details.

Do other banks charge any fees for inquiring about information of transfers from their bank to IB and the information of accounts from their bank?

Other banks will not charge any fees.

How long will it be until the signed agreement on transfers from other banks to IB (or the agreement for inquiring about the information of accounts from other banks) becomes ineffective after cancellation?

Because the transactions processed in the internet banking payment system are all real-time based, the agreement upon cancellation will lose effect instantly.

Why doesn’t the certification page of the other bank pop up when I use IB internet banking to operate the agreement on inquiring about information regarding transfers from other banks to IB or information of accounts from other banks?

If the certification page doesn’t pop up, the IB internet banking will echo the error information of the other bank. This service depends on whether the other bank supports it. Some banks do not support the online execution of agreements; requiring the execution to be done over the counter. Please consult the customer service center of the other bank for details.

Why am I required to designate business types under the agreement when signing the agreement on transfers from other banks to IB at the internet banking terminal?

Because when executing payment agreements, describing the usages of all payments are required so the legality of the business types can be verified. During the use of the agreement after it is signed and comes into effect, when executing payment agreements the business types need be specified.

At the gateway after finishing a transaction, how can I check that the agreement has been signed successfully?

After the agreement is executed at the gateway, you can directly logon to the IB’s personal internet banking to check the agreement, or you may check it using the internet banking of the other bank designated in the agreement.

Can a successfully signed agreement be modified?

Once the agreement has been signed successfully it cannot be modified in any way. If you insist on modifying the signed agreement, you have to cancel the original one and then enter into a new one.

Why does the inquiry agreement submitted by China Merchants Bank to IB on the IB internet banking system using the agreement to inquire about a China Merchants Bank’s account fail.

This problem occurs when the signing agreement notice is submitted by China Merchants Bank (CMB) to IB, the bank number assigned by IB is not consistent with the name of IB in the system of the People’s Bank of China. This will result in an agreement that is in effect but cannot be used. Please initiate the agreement for inquiring about information of an account from another bank directly from the IB internet banking. A signed agreement initiated from IB will function normally.

1. Bonds trading: services such as the purchase, advanced collection and automatic payment upon maturity of certificated bonds are provided.

2. Third-party depository: cooperating with a number of securities traders, IB offers third-party deposit and management services to make your securities funds safer and the transfers more convenient

3. Ease Fortune: based on a deposit at notice, IB provides “Ease Fortune”, which includes “Gold Snowball” and “Daily Gold”, to increase the interest earned by bankers.

4. 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.

5. Personal spot FX trading: IB has developed fx.cib.com.cn especially for personal foreign exchange transactions, providing uninterrupted online transactions in 24 hours a day.

6. Insurance business: you can purchase insurance products offered from China Life Insurance, Ping An Insurance, PICC and CPIC through IB internet banking.

7. Online loan & financing: through IB internet banking, you may submit an online application form for a loan or you may request the direct transfer of a loan into your current account (with a card) by using you fixed deposit, treasury bonds and the financial products that you have purchased as a pledge. You may repay the loan directly through IB internet banking.

8. Trial of online payment: this is a service launched for your convenience in trying out our online payment functions. You may activate the trial service of online payment through IB internet banking. The limit is RMB 500 Yuan per month.

9. Scheduled transfer & payment: you may preset a transfer or payment plan for one off payments or transfers or payments in installments. When your preset payment is due, the funds in question will be transferred or paid from your account by the system automatically on your behalf.

10. Online application of IB wealth management card and e-card: you may apply for an IB wealth management card or an IB e-card through IB internet banking. When funds have been transferred to the card, you will be able to enjoy the convenient services and investment and wealth management functions offered by IB internet banking.

11. Check Guarantee: an issuer of a personal check may, through IB internet banking, register a guarantee for a check, thus freezing the necessary account funds. The cashier of the check may make and enquiry and ensure the encashment of the check though IB internet banking.

12. SMS guard of online transactions: when this function has been activated, you will be required to enter a unique authentication code sent to your mobile phone by the IB in addition to entering your account password or payment password (for online shopping) while conducting fund transfers, shopping payment and online payment. Thus, your online transactions are protected with dual passwords.

13. Preset message authentication: a personal preset message set by the user is displayed at the top of the screen when logging on to internet banking to protect you from falling victim to phishing or fake websites.

14. Multiple log-on modes: you can log-on to internet banking via user code, bank account, or a user-defined name (namely, a log name set up by the user). Your log-on mode can be changed if required.

1.Debit card holders that have activated the personal internet banking service will initially be able to access functions such as account enquiry, account registration management, payment of credit card bills (same card holder), wealth management, funds trading and precious metals trading (a precious metals account must be opened first).

2. To conduct transactions such as an undesignated transfer, debit card holders must first activate the SMS guard for transaction or obtain a digital internet banking certificate.

3. To make shopping online, Debit card holders can either activate both the online payment function and SMS guard for transaction in internet banking or opt to use a digital internet banking certificate in conjunction with the SMS guard for transaction. Clients that have a digital internet banking certificate but have not activated the SMS guard for transaction will not be able to conduct online shopping. Credit card clients are required to activate the online shopping function and SMS guard for transaction in internet banking before online shopping can be made.

4. Debit card holders can manually activate, deactivate or alter various functions in internet banking in the “Service Management” section after logging on using a digital internet banking certificate. Credit card holders can activate the online shopping function and SMS guard for transaction manually after logging on to credit card internet banking.

• Can I report the loss of a card through IB internet banking?

Yes. You may enter “Emergency loss report” which is found in the IB internet banking “Secretary” to make a temporary loss report. Once a report has been made, funds will not be able to be transferred from the account. After a report, you are required to make a formal loss report at any outlet under the administration of the branch that issued the card within 5 days, otherwise, the temporary loss report will become invalid.

• What is account access management?

You may, through IB internet banking, check, activate, modify or deactivate the functions of your account and its related services, including internet banking, telephone banking, mobile phone banking, mobile phone credit charging and message services. Using a certificate to log-on, you can check, activate, modify or deactivate the additional functions or services. In standard log-on you will be able to check the status of additional services but you will not be able to activate, modify or deactivate them, the exception being message services.

• What are the differences between the login password, online payment password and account transaction password in IB internet banking?

1. A login password is used for logging on to personal IB internet banking. From the perspective of safety, we recommend that you use an eight-digit entry password that combines English letters and numbers.

2. An online payment password is a password used specially for handling online shopping payments. The password is required to be independent of and distinguishable from the account password, as the use of dual passwords makes internet banking more secure. In the interests of security, we suggest that you change your online payment password regularly.

3. An account password is the most important password. It is required for handling most operations on IB internet banking.

• What do I do if I forget the login password of IB internet banking?

You may click “Reset entry password of internet banking” on the login page of personal internet banking to reset your login password. A new login password will be sent to your mobile phone or e-mail inbox. If you did not register your e-mail address or mobile phone number with IB internet banking, you will be required to reset the password at a IB outlet.

• If I have several IB accounts, do I need to apply for multiple login names?

You need not do so. You may register multiple accounts under one login name for internet banking so that you can perform centralized management of your accounts.

• What do I do if I forget both my login mode and login name?

You may click “Enquiry of internet banking login modes” on the login page of personal internet banking and check your login mode and login name.

• Why has my login password been locked?

When six consecutive input errors of password (s) for logging on to internet banking occur, the login password for internet banking will be locked. This is to prevent your password from being cracked. You may reset your password through “Reset internet banking login password” on IB internet banking, or go to any IB outlet to request a reset with your proof of identification and any of your accounts that have been registered with IB internet banking.

• How do I modify the login mode of IB internet banking?

Log on IB personal internet banking, change your login mode at “Change internet banking login mode” after entering “Service management”.

• Are there any limits on the amount of online transfers or remittance?

A daily limitation is set for online transfers and remittance. The daily online cumulative amount cannot surpass the daily limitation. The daily limitation for transfer of a bank account can be set over the counter at an outlet or set in “Account authority management” after logging onto IB internet banking with a certificate.

• How long will it take for an online transfer or remittance?

If transferred into an IB account, the fund will be received instantly. If transferred to an account of another bank, the fund will be received in one to two working days.

1. What are the safety authentication rules for online payment with IB? Debit card and credit card users are required to activate both online shopping payments and online banking SMS protection services. Debit card users who have activated an online banking digital certificate alone will be unable to make payments online.

After activating these two functions, the Industrial Bank will send an SMS verification code to the user's preset mobile phone when the user attempts to make a payment for an online purchase using a debit card or credit card. In addition to inputting the online payment password (credit card users will also need to input the CVV2 number and period of validity, etc.), users will also be required to input the authentication code in order to complete the payment.

2. How do I activate the online shopping payment function for my debit card (including IB e-card)?

 (1) Personal internet banking digital certificate users: log onto personal internet banking using your internet banking digital certificate and activate both the online shopping payment and online banking SMS protection functions in the “Service Management” section.

(2) Users who have only activated SMS protection: log onto personal internet banking and activate the online purchase function via “Activate / Deactivate Online Shopping” in the “Online Shopping” section.

(3) Other users: simply bring your ID card and a designated debit card to any IB outlet to activate online shopping payment and online banking SMS protection services.

3. How do I set and modify the online payment password for my debit card (including IB e-card)?

 (1) Personal internet banking digital certificate users: log onto personal internet banking using your digital certificate, following which you can set and modify your online payment password in the “Service Management” section.

(2) Users who have only activated SMS protection: log onto personal internet banking and set or modify your online payment password in the “Online Shopping” section.

You can also modify your online payment password at any IB outlet with your ID card and designated debit card (including IB e-card).

4. What's the difference between the login password for internet banking and online payment password for my debit card?

The login password for internet banking is used to log onto the personal internet banking system. We recommend that you set an 8-digit login password that includes both letters and numbers.
The online payment password for debit card is a special password used to make online payments. We recommend that you change your payment password from time to time.

5. How do I check the order numbers of online purchases made using my debit card (including IB e-card)?

You can log onto personal internet banking and then click on “Online Shopping Details” in the “Online Shopping” section to view online shopping payment orders.

6. Can I modify or cancel an online payment order?

Online payment orders are generated and submitted to the bank by online merchants, so card holders cannot modify or cancel an order through the bank. Users can contact the shopping website directly to modify or cancel an order.

7. The debit card online payment page says that payment has been successful and my account has been debited, but the merchant says that they haven't received my payment, what shall I do?

After your successful payment, IB will handle the transaction in real time immediately: if the online merchant has an online payment direct link-up with IB, then the money will be transferred to the merchant’s account immediately; if the online merchant is linked with IB's online payment system through a payment service provider (e.g. a third party payment platform like Alipay), then the money will be sent to the payment service provider's account immediately.

If your payment account has been debited but the merchant is yet to receive the payment, it is possible that the merchant has not settled the transaction with the payment service provider in real time. You can check the order details in internet banking and confirm the payment with the merchant or payment service provider directly.

8. There has been no response after I have submitted a debit card online payment request. How can I confirm whether the payment has been successful or not?

If the network is unstable or the network communication has been cut off, you may be unable to receive the online payment result. In such circumstances, please log onto personal internet banking as soon as possible and check your online shopping payment details to confirm the result and avoid making a double payment.

9. What may cause online payment failure?

Generally, if the payment has failed, the page will return an error message and tell you the specific cause of the problem, such as wrong payment password, insufficient payment account balance and over the payment quota, etc. if no payment result is shown, this is generally due to a breakdown in internet communication between your computer and the bank.

10. What can I do if I forget my online payment password?

(1) Debit card users: please log onto personal internet banking, click “modify online shopping password” in the “online shopping” section and enter a new online shopping password. 

(2) Credit card users: credit card users are required to enter the credit card transaction password when making an online payment with the credit card. Please log onto credit card internet banking, select the “password management” option, click “set/reset transaction password” and enter a new transaction password.

11. How do I pay online with my credit card?

12. What are the specific steps to make an online payment with my credit card?

1. Activate the credit card online payment function

Step 1: Log onto IB's credit card online bank

Step 2: Set the relevant fields

Step 3: Confirm activation of the credit card online payment service

2. Make a payment online with the credit card

Step 1: Log onto the online shop

Step 2: Choose IB or a third payment platform that supports IB

Step 3: On the credit card online payment page, enter the credit card transaction password, the dynamic SMS authentication code and other required information.

Step 4: Online payment successful

13. What is the difference between the credit card internet banking transaction password and the enquiry password?

An enquiry password must be set before you can login to credit card internet banking. Then enquiry password is different from the transaction password:

The enquiry password is the password that you use to log onto the internet bank and the telephone bank, and can be set and changed through the internet bank or telephone bank.

While the transaction password is used for withdrawals, transfers, enquiries and the authentication of online payment at the counter, ATM and the internet bank. If you have set a domestic consumption password, then use this password when swiping the card or withdrawing cash; if you haven’t set a domestic consumption password, then this password is only used when withdrawing cash.

The transaction password must be set through the telephone bank. It can be changed or you can choose whether to activate a consumption transaction password through the internet bank and telephone bank.

14. When paying online with a credit card, the validity period of the card needs to be entered. What is the validity period?

The card validity period can be found on the front of the card, just below the card number. It consists of MM/YY 4-digits, MM standing for the month and YY for the year.

15. When paying online with the credit card, the last 3-digit number in the signature strip on the reverse of the card needs to be entered. What does this 3-digit number stand for?

The last 3-digit number in the signature strip on the reverse of the card is the CVV2 number, which you will be asked to enter during transactions. This is to guarantee the safety of your card. When using the card in certain places, such as in online transactions, your authenticated transaction information is needed.

16. What is a credit card no swipe/password transaction?

Is online payment in RMB a no swipe / password transaction? If the password isn't needed, is it safe? Credit card no swipe/password transaction is a mode of transaction through the internet or telephone in which the user is not required to provide the magnetic information of the credit card or the transaction password.

Though the card holder doesn't need to enter the transaction password in a no swipe/password transaction, the card holder's ID number needs to be authenticated, and all business outlets that can provide no swipe/password transactions are highly credible outlets authenticated by IB; besides, such transactions are generally conducted when booking air tickets and paying for hotels, and the business risks are borne by the business outlet. If a fraudulent transaction is made, the recovery of the funds is guaranteed.

Online payment in RMB is a swipe transaction, but the user will need a transaction password to make a payment. Thus, IB's credit card online payment in RMB is a no swipe transaction with a password. As a dynamic SMS authentication code is needed as well, this mode of transaction is very safe.

17. Credit Card Online Transaction Dictionary

• Is a printed voucher possible for an online purchase of certificated bonds?

You may handle it at any IB outlet administered by the bank in which your account was opened with the original copy of your own ID and your IB card.

• What are the advantages for an online purchase of bonds?

1. A self-served pledged loan can be conducted on IB internet banking and the efficiency of cash flow is thus enhanced.

2. One account can manage multiple bonds and it is convenient and safe, with no specialized management required.

【Loss Report & Resetting Password】

• How is the loss report handled?

You may handle the loss report of e-card at “loss report of a physical card of an e-card” under “e-card” on IB internet banking. Or, you may go for a counter handling at an IB outlet.

• How shall I change the card after reporting a loss?

You may apply for a change of the card at “Change application of a Physical Card” under “e-card” on IB personal internet banking.

• What do I do to if I have forgotten my e-card password?

The password reset can be handled at any IB outlet. You are required to present original copies of your identity documents and the card number of your IB e-card.

• When the loss of the physical e-card has been reported, can the account number of the e-card be still used?

It can still be used in the electronic channels which do not require the physical card, such as internet banking, telephone banking and mobile phone banking.

• Can the account number of an IB e-card be reported for loss?

Yes, it can. The procedure of reporting its loss is the same as that of an IB card.

• What are the differences between reporting the loss of a physical card and an IB e-card?

The loss report of an IB e-card differs from that of a physical card. The loss report of an IB e-card is, in fact, a loss report of the certificate. After the loss is reported, the e-card cannot be used in any channels. While a physical card is reported for loss, an IB e-card can still be used in electronic channels such as IB internet banking, telephone banking and mobile phone banking, and the certificate status of the IB e-card remains valid.

【Opening & Closing an Account 】

• Is an authentication procedure required after I have received my physical e-card?

Yes, this is required. You are required to log on IB internet banking and make a receive confirmation at “Received Physical Card & Confirm” which is found under “e-card”.

• Can the closing of the account be possible without a physical card?

The function of account closing is not provided currently.

【Handling Charges】

• How is an IB e-card charged?

1. Apply for a IB e-card and opening an account: free

2. Charges for a physical card:

（1） Apply for a physical card: free

（2） Report the loss of a physical card: free

（3） Cancel the loss report of a physical card: free

（4） Change the card after the loss report of a physical card: free

3. Charges on the transfers through IB internet banking:

（1） Transfer into a IB account: free

（2） Transfer into an account of another bank: free when there is a IB outlet at the transferred location. If there is not an outlet in the area in question, the transfer will be charged in accordance wi th the standards for inter-bank transfer between different regions .

（3） If the transfer is made through China Unionpay system, it will be charged according to the unified Unionpay regulations.

4. Deposits and withdrawals over the counter with a physical card: charged the same as that of an IB financing card.

5. Other charges: same as that of an IB financing card.

• What is the charge when an IB e-card is used for a remote inter-bank transfer?

1. When a remote inter-bank transfer or remittance occurs on line and the “City remitted to” selected is a specific city name, it means there is a IB outlet in the location and the transfer or the remittance will be free of charges; if the “City remitted to” is “Others”, it means there is no IB outlet in the location and the transfer or the remittance will be charged in accordance with remote inter-bank transfer standard.

2. When an IB e-card is used on the counter at an outlet to transfer funds to a remote account of another bank, the transfer will be charged for the handling in accordance with remote inter-bank transfer standard.

【Business Applications】

• Can an IB e-card be used to apply for a certificate of internet banking?

An IB e-card can be used to apply for a certificate of internet banking. While applying for an IB e-card, you may apply for an internet banking certificate at the same time. You may also go to apply for an internet banking certificate at any IB outlet with the original copy of identity documents and your e-card number.

• How do I apply for a physical IB e-card applied?

While applying for an IB e-card, you may apply for its physical card as well. Or, you may, through the personal internet banking, apply the physical card at “Apply for physical card of e-card” under “e-card”. You may apply for it at any IB outlet.