Industrial Bank Comprehensive Service Price List

Business category	No.	Service item	Charging rates	Incentives	Services	Remarks
Account Settlement Service	000101	Account Management	Retail customers: Annual fees for credit card (50% for supplementary card unless otherwise specified): Common card: RMB 80 - 100 / card (set); Gold card: RMB 200 / card (set); Platinum credit card (elite edition) / titanium credit card: RMB 500 / card (principal card / supplementary card); Platinum credit card (edge edition): RMB 600 / principal card (no supplementary card temporarily); Platinum credit card (YOU series): RMB 900 / principal card, RMB 600 / supplementary card; Platinum credit card (standard version): RMB 2,600 / principal card, RMB 1,200 / supplementary card; Diamond card: RMB 15,000 / card (principal card / supplementary card) Additional charging rates for special credit card products: GOLF platinum credit card: principal card / supplementary card: RMB 9,000 / card; Shanghai Benz Platinum Joint Credit Card: RMB 3,500 / card; QQ Show Credit Card (Physical Card): MINI card: RMB 40 / card.		Retail customers: Annual fees for credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card.	Retail customers: Annual fees for credit card: As for any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as for any credit card product with a supplementary card, the charging rate for the annual fees of the supplementary card is half of that for the principal card, unless it is otherwise specified. IB will not refund any annual fees that have been collected. If the personal credit standing suffers any unfavorable impacts due to the failure to pay the annual fees on time, the cardholders shall bear such impact themselves.
			Organization clients: Account opening: The handling charge of RMB 50 in a lump sum for each RMB corporate settlement account; Account management charge: If a RMB corporate settlement account is opened for three months and the daily mean balance in the three months is not more than RMB 10,000, RMB 30 -150/account will be charged each quarter; if the daily mean balance in the three months is more than RMB 10,000, RMB 15-75/account will be charged each quarter. Annual fees for credit card: Business card（UnionPay）: RMB 300 / card; MasterCard Business Travel Credit Card / Visa Corporate Card: gold card: RMB 300 / card; standard card: RMB 100 / card	Organization clients: 1. The account opening fee for the corporate bank settlement account of all customers will be charged at 50% discount of the charging standard,which extends from April 30, 2022 to September 30, 2024; 2. No charge for account management charge and annual fee for credit card,which extends from September 30, 2021 to September 30, 2024.	Organization clients: 1. Account opening: To open RMB corporate banking settlement accounts for customers according to their application; 2. Annual fees for credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card.	Organization clients: Account opening and management fees: excluding escrow accounts. Annual fees for credit card: As for any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as for any credit card product with a supplementary card, the charging rate for the annual fees of the supplementary card is half of that for the principal card, unless it is otherwise specified; IB will not return the annual fee that has been paid; any adverse effect on personal credit record caused by overdue payment of annual fee shall be borne by the card holder;
	000102	Production cost	Retail customers: 1.Production cost of IC credit card: RMB 5 a card; 2.Production cost of specially designed credit card: RMB 0-3888 a card (Price will be determined according to card theme, design, supporting production process and optional card number and other personalized services). 3.Urgent preparation cost of credit card (including the express delivery charge): RMB 100 a card (pure express delivery charge of RMB 20 a card); 4.Production cost of dynamic token: RMB 25 a certificate/token; 5.Bluetooth Webprotect prefabricated certificate: charged at the cost price; 6.Production cost of Deluxe Card for Collection (Metal Version): RMB 2880 a card;	Retail customers: Bluetooth Webprotect prefabricated certificate: diamond customers are free of charge and valid from July 1, 2021 to June 30, 2024.	Retail customers: 1. Production cost of IC credit card: To issue a new IC credit card or reissue an IC credit card, including to issue a new IC credit card, to renew a IC credit card, and to replace a magnetic strip credit card with an IC credit card; 2. Production cost for specially designed credit cards: issue a new card or replace the old card with a specially designed credit card for clients. 3. Urgent preparation cost of credit card: The service provided to customers when they ask for urgent card production on their own initiative; 4. Production cost for dynamic token: A kind of security verification means for electronic banking, used for handling electronic banking transactions with risks. 5.Production cost of  Bluetooth Webprotect prefabricated certificate: IB adopts the third party digital certificate issued by China Financial Certification Authority (CFCA), the only state-level electronic certification institution in the field of finance in China, to verify and authenticate the Internet banking and Mobile banking customers; 6. Production cost of Deluxe Card for Collection (metal version): to open or renew Deluxe Card for Collection (metal version) for clients.	Retail customers: 1. Production cost of IC credit card: It is charged for new card, reissued or replaced card, but not for renewed card. Production cost of IC credit card and specially designed credit card will be charged after the card is activated. 2. No urgent preparation cost for the following credit card products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version); 3. Production cost will be charged for opening or renewing a Deluxe Card for Collection (metal version), enjoying no preferential policies about reduction or exemption; 4. Production cost for specially designed credit card: It is charged for new card, reissued or replaced card and renewed card (including card surface optional), and charged after the card is activated; the optional service of the same card number is only charged once after the new card is activated.
			Organization clients: Production cost of prefabricated certificate: the production cost of 2nd-generation bluetooth prefabricated certificate and 1st-generation bluetooth prefabricated certificate is charged at the cost price; Production cost of payment stick: divided into premium payment stick with integrated payment cipher function and common payment stick without integrated payment cipher function, and the production cost is charged at the cost price. Production cost of corporate settlement card: RMB 10 a card; Production cost of IC credit card: RMB 5 a card; Urgent preparation cost of credit card (including the express delivery charge): RMB 100 a card (pure express delivery charge of RMB 20 a card). Certificate production cost: the production cost of commercial acceptance bill/bank acceptance bill is RMB 0.48 /copy (25 copies per book, RMB 12/book), and the production costs of other certificates are collected from recipients according to the certificate printing cost price.	Organization clients: IB Steward App blue tooth prefabricated certificate: From December 30, 2016 to June 30, 2024, clients can apply the 2nd-generation blue tooth prefabricated certificate for free. IB Steward App payment stick: From July 1, 2020 to June 30, 2024, the payment stick is free of charge. Note: The above preferential measures are applicable to the newly-bound blue tooth prefabricated certificate and payment stick after the opening of IB Steward App service during the implementation of the preferential measures.	Organization clients: 1.Prefabricated certificate: Device provided to Internet banking customers for digital signature and secure encryption of the online businesses for customers. IB adopts the third party digital certificate issued by the certificate issuing authority with the electronic certification service license such as China Financial Certification Authority (CFCA) for customer identification and certification. 2. Payment stick: Essential device provided to IB steward APP customers for digital signature and secure encryption of the online businesses for customers. IB adopts the digital certificate issued by the certificate issuing authority with the electronic certification service license such as China Financial Certification Authority (CFCA) for customer identification and certification. 3. Production cost of corporate settlement card: production costs of opening and reissuance (including reissuance for loss) of corporate settlement card; 4. Production cost of IC credit card: To issue a new IC credit card or reissue an IC credit card, including to issue a new IC credit card, to renew a IC credit card, and to replace a magnetic strip credit card with an IC credit card; 5.Urgent preparation of credit card: The service provided to customers when they ask for urgent card production on their own initiative. 6. Certificate production cost: production cost of blank voucher of commercial acceptance bill or bank’s acceptance bill is collected based on RMB 0.48/copy as specified by the regulatory authority, and production costs of other vouchers such as settlement business entrustment letter are collected from recipients according to the printing cost prices.	Organization clients: Production cost of IC credit card: It is charged for new card, reissued or replaced card, but not for renewed card. The production cost of  card will be charged after the card is activated. The production cost of other certificates will be charged according to the service price standard from October 1, 2023.
	000103	Default penalty of credit card	5% of the outstanding minimum repayment, minimum RMB 20 or USD  3		The handling charge collected by our bank because the amount repaid by the card holder before the due repayment date (inclusive) is less than the minimum repayment.
	000104	Handling charges for cash withdrawal or transfer of credit card	1. Handling charges for cash advancement (including overdraft transfer): 2% of the amount,  not less than RMB 20 or USD 2 per transaction and not more than RMB 500 or USD 100 per transaction(regardless of being local or non-local); 2. Handling charges for cash withdrawal or transfer of overpayment: It will be charged at the rate of 0.5% of the amount, not less than RMB 5 or USD 1 per transaction and not more than RMB 50 or USD 10 per transaction; 3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit card, VISA/MasterCard single-brand credit card): 2% of the amount, not less than RMB 20 or USD 2 per transaction and not more than RMB 500 or USD 100 per transaction;		1. Handling charges for cash advancement (including overdraft transfer): To provide the cardholders with the service of cash advancement (including overdraft transfer) via multiple channels; 2. Handling charges for cash withdrawal or transfer of overpayment: To provide a customer with a withdrawable channel and service according to the amount of funds over the overdraft limit in the credit card account of the customer. 3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit card, VISA/MasterCard single-brand credit card): The bank and the card association jointly provide emergent support service for the oversea travel of a customer for emergent circumstance that may occur to the customer at abroad.	Organization clients: The business procurement credit card (standard business card) does not have the functions of cash advancement, cash withdrawal of overpayment and overseas emergency cash withdrawals
	000105	Charges for loss report	Retail customers: Charges for loss report of credit card (excluding card re-issuance): RMB 50 for a common card and UnionPay business card; no charge for other cards		Retail customers: The service provided to safeguard the account security of a customer under the circumstances that the customer gets his or her credit card lost, stolen, used in an illegal way or seized unlawfully by another one.
			Organization clients: Report loss fee for credit card (excluding replacement card): RMB 50 / card for common card and UnionPay business card, no charge for other cards; Report loss fee for commercial bills: 0.1% of the par value (with the minimum charge of RMB 5);		Organization clients: Report loss of credit card: the service provided to safeguard the account security of a customer under the circumstances that the customer gets his or her credit card lost, stolen, used in an illegal way or seized unlawfully by another one; Report loss of commercial bills: the service provided to safeguard the property safety of acceptor or drawer in the event of loss or theft of commercial bills.
	000106	Handling charge for withdrawal	Retail customers: Overseas ATM Withdrawal: RMB (12+0.5%* cash withdrawal amount) is charged for each transaction (excluding the ATM service fees charged by overseas ATM acquiring institutions from cardholders additionally); Domestic Inter-bank ATM Withdrawal: the first 3 transactions in a month will be free of charge regardless of local or non-local withdrawal, and RMB 3.5 will be charged for each transaction from the 4th transaction in the month. "UnionPay Counter Pass" Inter-bank Withdrawal: it will be charged at 0.1% of each transaction amount, with a minimum of RMB 3 and a maximum of RMB 50 for each transaction. Farmer Assisting Withdrawal: it will be charged at 0.45% of each transaction amount, with a maximum of RMB 9. Migrant Worker Bank Card Features: the handling fee for each withdrawal is charged at 0.5% of the withdrawal amount, with a minimum of RMB 1 and a maximum of RMB 20.	Overseas ATM Withdrawal: 1. The diamond, black gold and platinum customers may enjoy exemption for the first 3 transactions in each month, and gold card users may enjoy 50% discount for the first 3 transactions in each month, which extends from January 1, 2017 to June 30, 2024. 2. The Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) users may enjoy exemption for the first 3 transactions in each month, which extends from January 1, 2017 to June 30, 2024. Among them, preferences for Unbounded Debit Card and Teacher Respect Card will extend from date of launch of the products to June 30, 2024. 3. The Universal Wage Card users may enjoy exemption for the first 5 transactions in each month, which extends from the product's launch date to June 30, 2024. 4. The Enjoyable Life Card users may enjoy exemption for the first 3 transactions in each month, which extends from September 1, 2021 to June 30, 2024. Domestic Inter-bank ATM Withdrawal: 1. The diamond, black gold and platinum customers may enjoy exemption for the first 10 transactions in each month, gold card users may enjoy 50% discount for the 4th - 10th transactions in each month, which extends from January 1, 2017 to June 30, 2024. 2. The Wage Card (including Universal Wage Card) may enjoy exemption for the first 5 transactions in each month, which will be implemented from January 1, 2017. 3. The IB Military Support Card users may enjoy exemption for the first 10 transactions in each month, which will be implemented from June 1, 2019. 4. The Financial Social Security Card users may enjoy exemption for the first 10 transactions in each month, which extends from April 1, 2021 to June 30, 2024. 5. The Enjoyable Life Card users may enjoy exemption for the first 10 transactions in each month, which extends from July 24, 2021 to June 30, 2024. 6. Migrant Worker Salary Card (including New Citizen Debit Card) users may enjoy exemption for the first 20 transactions in each month, which extends from April 1, 2021 to June 30, 2024, among them, the preference for New Citizen Debit Card users will extend from the product’s launch date to June 30, 2024. Farmer Assisting Withdrawal is free for the first transaction per card in each month, which extends from May 1, 2022 to June 30, 2024.	Retail customers: Overseas ATM withdrawal/domestic inter-bank ATM withdrawal: To provide debit card customers of IB with the service of handling inter-bank withdrawal via the ATM of another bank with the symbol of “UnionPay” and other card association both at home and abroad; UnionPay Counter Pass inter-bank withdrawal: provide IB debit card users with inter-bank withdrawal service at counters of member outlets which jointed UnionPay Counter Pass program via UnionPay network. Farmer assisting withdrawal: provide debit card clients of our bank with service of small amount withdrawal, through bank card acceptance terminal set up by Unionpay acquirer in designated cooperative merchant service points of villages and towns. Migrant worker bank card features: Provide inter-bank counter withdrawal services to the clients holding our debit card at a county-level regional credit cooperative and Postal Savings Bank of China. Including the issuing bank fee, UnionPay transfer service fee and the acquiring bank service fee, which are charged according to the agreement.	Retail customers: 1. The wage card customers shall be verified by the Bank according to the agency wage criteria for the wage cards, and the wage card meeting the criteria may enjoy preferential changes; 2. The regions where "UnionPay Counter Pass" service has been opened include Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian) and Heilongjiang. The latest opened regions are subject to the latest announcement of the Bank. The specific acceptance sites are subject to the announcement of other banks.
			Organization clients: Handling charge for inter-bank ATM withdrawal with corporate settlement card: The first 3 transactions in a month will be free of charge regardless of local or non-local withdrawal, and RMB 3.5 will be charged for each transaction from the 4th transaction in the month.		Organization clients: Handling charge for inter-bank ATM withdrawal with corporate settlement card: provide cardholders with inter-bank withdrawal service on UnionPay labeled ATM.
	000107	Commission fee for settlement of special merchants	The commission fee for settlement of special merchants is collected by acquiring bodies from merchants, including handlding charges of the issuing bank, UnionPay transfer service fee and the acquiring bank service fee, which are charged according to agreements.	For bank card payment: 1. For the debit card acquiring service fee of standard merchants, 10% discount will be charged according to the guiding price standard of bank card swiping fee set by the Bank in 2016 (0.45% for debit card), capped at RMB 20 per transaction. The offer is valid from September 30, 2021 to September 30, 2024; 2. For the acquiring service fee of preferential merchants, continue to be charged at not less than 22% discount of the guiding price standard of bank card swiping fee set by the Bank in 2016, capped at RMB 20 per transaction. The offer is valid from September 6, 2016 to September 30, 2024; 3. The Bank has implemented exemption for the acquiring service fee of reduced or exempted merchants.	We provide acceptance of bank card payment and code bar payment, capital settlement, inquiry and other services for our special merchants.
	000108	Charge for re-issuance and replacement of credit card	RMB 20 each card; in case of needing express delivery, an additional express delivery charge of RMB 20 each letter.		Card re-issuance and replacement services may be provided to customers and express delivery is also available upon the request of customers when cardholders cannot use their credit cards due to damage, rupture, indistinct signature or demagnetized magnetic strip of their cards, or under other special circumstances.	Retail customers: No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version).
	000110	Credit card overseas emergency services	1. Service charge for urgent card re-issuance overseas: VISA card: USD 175 each card. Only the common cards are charged, and other cards are free of charge; 2. Service charge for urgent cash withdrawal overseas: VISA card: USD 175 each card; MasterCard: USD 95 each card. Only the common cards are charged, and other cards are free of charge; The above overseas urgent services shall be subject to the charging standard of the card association.		1. Urgent card re-issuance overseas: urgent card re-issuance service for holders who need emergency card due to card lost, stolen or damaged overseas; 2. Urgent cash withdrawal overseas: urgent cash withdrawal service for holders who need emergency cash due to card lost, stolen or damaged overseas.	1. Service charge of overseas reissuance of an urgent replacement card: only for VISA dual-currency credit card, VISA single-brand credit card. 2. Service charge of overseas urgent withdrawal: only for dual-currency credit card, and VISA/MasterCard single-brand credit card.Among them, the business procurement credit card (standard busines card) has no cash advance function.
	000111	Commission fee for exchange in overseas transactions (only for dual-currency credit card, VISA/MasterCard branded credit card)	It will be charged at the rate of 1.5% of the transaction amount		The bank provides the service of converting local currency with card settlement currency automatically to a customer when he or she settles non-USD  consumption with VISA or MasterCard gateway at abroad.
Foreign Exchange Service	000301	Dishonor of clean bill for collection	RMB 50 each transaction		If the clean bill for collection is refused overseas, an application for dishonor of the clean bill overseas is provided to the customer.
	000302	Outward remittance	1.Outward remittance (Retail customer): It will be charged at the rate of 0.1% of the remittance. Down to RMB 50 and up to RMB 200 will be charged for each transaction of overseas remittance. Down to RMB 20 and up to RMB 100 will be charged for each transaction of domestic remittance. Remittance to domestic accounts of the bank will be exempted from the handling charge. Telecommunication fee (if any) for overseas or  domestic remittance and the charge collected on behalf of other bank (if any) will be otherwise collected from customer. 2.Outward remittance (Organization clients): It will be charged at the rate of 0.1% of the remittance. Down to RMB 50 and up to RMB 1,000 will be charged for each transaction of overseas remittance Down to RMB 20 and up to RMB 200 will be charged for each transaction of domestic remittance. Telecommunication fee (if any) for overseas or  domestic remittance and the charge collected on behalf of other bank (if any) will be otherwise collected from customer 3.Upon the remittance from a cash account, cash arbitrage fee will be charged at the conversion percentage of foreign exchange rate announced on the current day. 4.Inquiry of outward remittance: RMB 100 is charged for an inquiry of a transaction incurred in the past three months, RMB 200 for a transaction in the past three to six months and over RMB 300 for a transaction earlier than the past six months. The communication fee and overseas banking charge is separately collected. 5.Modification of remittance instruction/countermand and return of remittance: RMB 100 / transaction, the communication fee and overseas banking charge is separately collected.	Outward remittance (Retail customer): 1. Remittance charge: VIP customers may enjoy concession/exemption i.e. the diamond, niello and platinum customers may enjoy exemption and gold card users may enjoy 50% discount, which extends from January 1,2016 till June 30, 2024. Such concession/exemption is not applicable to other fees, such as telecommunication fee, arbitrage fee and those charged by overseas banks. 2. For Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) users, cross-border foreign exchange remittance is exempted from the handling charge, which will extend from January 1, 2023 to December 31, 2023. 3. For Universal Wage Card, if the deposit balance reaches amount equivalent to RMB 5000 (inclusive), cross-border foreign exchange remittance is exempted from the handling charge, which will extend from the product’s launch date to June 30, 2024. Outward remittance (Organization customer): For the outward remittance between domestic branch systems of the bank, the handling charge will be exempted, which will extend from July 1, 2023 to June 30, 2024.	1.Outward remittance: The remitter entrusts IB to make payment to payee at home or abroad. 2.Inquiry of outward remittance: To handle the inquiry about outward remittance for customers. 3.Modification of remittance instruction/countermand and return of remittance: Modification of remittance instruction/cancellation and return of remittance.	Communication fee will be charged based on "Communication Fee" item of Comprehensive Service Price
	000303	Return of inward remittance	USD 20 / transaction (including communication fee)		Return of remitted money.	The beneficiary of the clean bill for collection requires re-exchange:  it will charged at the rate (the beneficiary of the clean bill for collection requires re-exchange regarding the paid notes) if paid already
	000305	Communication fees	Retail customers: Telecommunication fee: RMB 100 / transaction: the telecommunication fee of SWIFT message borne by other banks or the beneficiary will be charged at the rate of USD 25 / transaction or other equivalent value.	1. Telecommunication fee for diamond customers is free of charge. 2. Telecommunication fees of cross-border foreign exchange remittance messages of Universal Life Debit Card (including Unbounded Debit Card and Teacher Respect Card) customers will be exempted for the first 30 transactions, which will extend from January 1, 2023 to December 31, 2023. 3. For a non-diamond customer, if balance in a Universal Wage Card reaches an amount equivalent to RMB 5000 (inclusive), telecommunication fee will be charged RMB 50 per transaction for crossborder foreign exchange remittance message, which will extend from the product's launch date to June 30, 2024. 4. If SWIFT message fee is assumed by other bank or beneficiary, the said preference is not applicable.	Retail customers: To send various messages outwards as applied by customers.
			Organization clients: Telecommunication fees for cabled letter of credit: RMB 200 per transaction; Telecommunication fee for guarantee (including standby letter of credit): RMB 100 per transaction; Telecommunication fee: RMB 100 per transaction; bank-enterprise direct global fund management account reporting telecommunications fee can be charged according to the monthly package of the account and the agreement; the telecommunication fee of SWIFT message borne by other banks or the beneficiary will be charged at the rate of USD 25 / transaction or other equivalent value; Mailing fee (common registered mail or EMS): It will be charged according to the rate of charges of the express delivery supplier or the post office.	Bank-enterprise direct global fund management account reporting telecommunications fee will be waived from September 15, 2021 to June 30, 2024.	Organization clients: 1. Telecommunication fees for cabled letter of credit: At the request of the customer, we provide clients with the service of cabled letter of credit by message telecommunication; 2. Telecommunication for guarantee (including standby letter of credit): At the request of the customer, we provide clients with the service of issuance of guarantee (including standby letter of credit) by message telecommunication; 3. Telecommunication: According to clients application, provide the service of sending various SWIFT messages, including the service of sending message to provide account report to clients in bank-enterprise direct global fund management service. 4. Mail: The service of sending various documents according to clients application.	1. If bank-enterprise direct global fund management business involves transfer and remittance, the fee will be collected based on standards of the handling fees for transfer and remittance. 2. The telecommunication fee for guarantee (including standby letter of credit) will be collected based on the price standards for this service from October 1, 2023, and before October 1, 2023, will be collected based on the telecommunication fee standards.
	000307	Acceptance of pledge	Telecommunication fees plus the actual acceptance charges of another bank; RMB 100 per transaction for the acceptance of pledge for another bank.		To provide customers with separate services of acceptance of pledge of message in such cross-border settlement business such as remittance, letter of credit, etc.
	000308	Inquiry/collection expediting	RMB 100 for each transaction; USD 30 for each transaction overseas.		To provide customers with services of message inquiry and collection expediting in such cross-border settlement business such as remittance, letter of credit, etc.
	000309	Loss report and countermand for foreign currency bill	RMB 100 each transaction		To provide services of loss report and countermand for them for customers in case of loss of foreign currency bills.
	000805	Foreign exchange collection and settlement business of export cross-border e-commerce	Handling charges for foreign exchange collection and settlement businesses of export cross-border e-commerce: 0.1%-0.6% of the amount received by merchants overseas.	Be waived from July 1, 2021 to June 30, 2024.	For customers registered with the Bank's cross-border e-commerce foreign exchange business management platform, provide services such as overseas collection, domestic settlement of foreign exchange (executed according to the foreign exchange rate advertised by the Bank), and fund payment cancellation and posting.	Charge will be collected according to currency of withdrawal.
Agency Service	000401	Fund-to-trust charge	RMB 20 per transaction usually		To provide a holder of fund shares with the service of transferring out the fund shares held in the trading account of our bank in whole or part and transferring such shares into the trading account of another sales agency.
	000402	Handling charge for consignment loan	Charged by agreements		Our bank (i.e., the consignee) provides agency loan extension, monitors the use of loans and assists to take back loans according to the loan target, purpose, amount, term, and interest rate decided by the consigner.	The method to collect the handling charge for consignment loan from the consigner shall be stipulated in the consignment contract by and between the consigner and IB.
	000403	Handling charges for agency of precious metal	Retail customers: Transaction type: 0.8‰ of the transaction amount. Customers of deferred products may enjoy the exemption of handling charge for close position transaction.	Retail customers: Circular on Adjustment to the Preferential Rate of Handling Charges for Agency Precious Metal Investment Products of Shanghai Gold Exchange for Personal Customers	Retail customers: Transaction type: Our bank, as a finance member of Shanghai Gold Exchange, acts as agency for customer to handle such transactions as precious metal trading, relevant capital settlement and physical delivery inside SGE.	Retail customers: It covers the handling charge collected by Shanghai Gold Exchange.
			Organization clients: 1. Transaction type: Handling charge for transaction: Not more than 0.20% of the transaction amount 2. Physical type: Charged by agreements		Organization clients: 1. Transaction type: Our bank, as a finance member of Shanghai Gold Exchange, acts as agency for institutional customer to handle such transactions as precious metal trading, physical delivery, leasing, pledge, and relevant capital settlement inside SGE. 2. Physical type: accept the entrust of precious metal corporate and provide customers with service regarding promoting physical precious metal products.	Organization clients: 1. Transaction type: including transaction handling charges for Shanghai Gold Exchange; The default standard handling charges for investment customers that trade precious metal independently is 0.11%, and the specific preferential treatment may be negotiated with the local branch according to the policies of IB;
	000404	Handling charges for other agency transaction	Charged by agreements		Making use of our industrial advantages in resources, channels, customers, projects, network, technology and information, we provide agency transaction service for customers regarding products of bond, interest, currency rate and bulk commodity.
Wealth Management Service	000601	Bank-charged management fees for wealth management products	It shall be collected as agreed in the sales documents of wealth management products.		Various services provided for customers to purchase the wealth management products of the bank or other institutions, including but not limited to product design, product introduction, guidance on signing agreement, purchase of products, information disclosure, and product operation.
Other services	000801	SMS Service Charge	Retail customers: “SMS Smart” service: RMB 1 per card per month; Service charge for SMS notification upon transaction of credit card:  RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit card (including titanium card) and diamond card.	Retail customers: “Smart Messenger” Message Service: 1. The service charge for the first month will be exempted for a customer applying the service for the first time; 2. It is free for diamond, black gold and platinum customers; 3. It is free for wage card (including universal wage card), enjoyable life card and universal life card (including unbounded debit card and teacher respect card), which extends from August 1, 2014 to June 30, 2024, wherein, the preferences for the universal wage card, unbounded debit card and teacher respect card extend from the products' launch dates to June 30, 2024. 4. It is free for IB-Huafu Bank-Securities Joint Card, which extends from January 1, 2018 to June 30, 2024. 5. It is free for Industrial Security Joint IC Debit Card, which extends from January 1, 2019 to June 30, 2024. 6. It is free for IB Military Support Card, which extends from June 1, 2019 to June 30, 2024. 7. It is free for Financial Social Security Card, which extends from July 1, 2020 to June 30, 2024. 8. It is free for Migrant Worker Salary Card (including New Citizen Debit Card), which extends from April 1, 2021 to June 30, 2024. Among them, the preference for the New Citizen Debit Card extends from the product’s launch date to June 30, 2024.	Retail customers: “SMS Smart” service: The basic SMS value-added service provided to the customers of IB, with which customers may, according to their own need, independently choose notification upon change in account, notice for over-limit balance, notice for net value of fund, notice for over-limit net value of fund, monitoring of precious metal quotation, and interactive SMS; Service charge for SMS notification upon transaction of credit card: After a card-holder activate the transaction SMS notification service, the mobile phone number of the card-holder reserved in the system can receive the transaction SMS notification once the card-holder initiates any transaction with his or her credit card. In this way, the customer may know the state of his or her credit card and ensure security in using card.	Retail customers: The wage card customers shall be verified by the Bank according to the agency wage criteria for the wage cards, and the wage card meeting the criteria may enjoy preferential changes.
			Organization clients: SMS Smart:  It will be charged on a monthly basis, RMB 10 for not more than 20 messages, and RMB 0.3 each for messages over 20; Service charge for SMS notification upon transaction of credit card: RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit card (including titanium card) and diamond card.		Organization clients: 1. SMS Smart: Customers may, according to their own need, independently choose services such as notice upon change in account, notice for over-limit balance and notice for maturity of loan.2. Service charge for SMS notification upon transaction of credit card: Service charge for SMS notification upon transaction:  After a cardholder activate the transaction SMS notification service, the bundled mobile phone number of the cardholder can receive the transaction SMS notification once the cardholder initiates any transaction with his or her credit card (except for gold card and principal card). In this way, the customer may know the state of his or her credit card and ensure security in using card.
	000802	Fees for VIP service at  overseas airports (credit card)	RMB 200/person-time		To provide designated cardholders with designated airport VIP services abroad.
	000803	Personalized service	Charged by agreements		To provide customized financial service according to customers' demand.
	000804	Service charge of platform	Subject to relevant agreement, it will be charged according to the services provided to customers.		Taking advantage of IB's advantages in technology, channels, and information, IB provides customers with account payment and settlement, clearing, information exchange, product trading and other comprehensive services through the establishment of the system or platform or our bank as the platform or other methods.