Article One. The Industrial Bank (IB) has launched Internet Banking services in order to adapt to the trend of e-business, promote its development and in the aim of providing customers with better financial services.

Article Two. Adopting the Internet or other public information networks as its transmission medium, the IB's Internet Banking service is open to natural persons, legal persons and other organizations that comply with the applicable laws of the People's Republic of China and the requirements of the IB. IB's Internet Banking service is divided into Personal Banking and Corporate Banking on the basis of the intended target of the service.

Article Three. IB's branches that process Internet Banking business, customers of Internet Banking and all other participants in Internet Banking transactions must abide by these articles.

Article Four. Customers are required to file an application for the Internet Banking service at any outlet of IB, provide true, correct, complete and valid information and enter into a service agreement with IB.

For personal customers without complete civil capacity, the guardian thereof should apply for the service and keep the card number (account number and user's name), prefabricated NetShield and passwords on their behalf. The guardian shall be responsible for all financial transactions made with said information.

Article Five. The Personal Internet Banking service provides personal customers with services including investments and financing, transfer and remittance, online payment and information inquiry. The Corporate Internet Banking service provides corporate customers with services including account inquiry, internal transfer, external payment, agency salary payment, group management, corporate financing, electronic bill and information inquiry.

Article Six. The accounts and passwords of personal customers and the certificates and passwords of corporate customers are the only valid forms of identity for customers to process various transactions in Internet Banking. Any operation made through the account and password of personal customers or the certificate and password of corporate customers on the IB's Internet Banking platform will be considered by the bank as being an operation made by such customer. Customers are required to keep their account details, certificate and password confidential. Customers will be responsible for any dispute or loss arising out of improper custody or the divulgence of a password.

Article Seven. Customer certificates should be used within the period of validity. If a customer required the continued use thereof after expiration, the customer should process the extension formalities in the Internet Banking service or at an IB on a timely basis. If the customer certificate is damaged or lost or the password is forgotten or locked, the customer should obtain a replacement or report the loss thereof on a timely basis. Any loss incurred before a loss report becomes valid shall be borne by the customer.

Article Eight. When using Internet Banking, customers should take steps to avoid risks, which could include:

(I) Important information such as a logon password, payment password or the user name for Internet Banking is guessed or stolen, or obtained by means of a Trojan, a phishing website, a fraudulent text message or phone call or other means, which might lead to the disclosure of customer account information, capital being stolen or hostile operations being made by others etc.

(II) The NetShield is stolen or is used by others without authorization. Where the password is also obtained, such a circumstance could result in the theft of funds in the account.

(III) Unauthorized use of important information relating to Internet Banking business due to loss or theft thereof, such as an ID certificate, bank card, passbook or reserved bank signature, resulting in others applying for Internet Banking and thus obtaining account information or stealing account funds.

Article Nine. Customers are obligated to take precautions to use Internet Banking safely, including but not limited to:

(I) Keeping all important information relating to Internet Banking business confidential, such as an ID certificate, bank card, passbook, NetShield or reserved bank signature, not providing such information to another part or unauthorized personnel for custody, nor leaving any personal information such as a card number, passbook account number, ID number and telephone on any untrustworthy website or other place, so as to prevent exploitation by others.

(II) Protect important information such as your bank card password, passbook password and NetShield password, and do not disclose such information to anyone, including bank staff. Do not record or save such information on a computer, telephone, mobile phone or any other electronic device. After completing Internet Banking transactions on a mobile phone or other telephone that can save and display input numbers, the input password and account number should be cleared immediately.

Under no circumstances will the IB ask a customer for their bank password. Do not provide your bank password any other party (including bank staff) when requested to do so.

(III) Avoid using any information that is clearly related to the customer (such as a name, birthday, usual telephone number, ID number) or other characters with an obvious relationship or pattern (such as repeated or sequential numbers or letters) as a password; the password for Internet Banking should be different from passwords for other purposes (such as bank card/passbook password, other website member password, e-mail password); the logon password and the payment password for Internet Banking should be different, and should also be replaced frequently.

(IV) Take effective measures (such as installing anti-virus software and network firewalls) to protect the safety of the computer or device that is used for Internet Banking, and prevent information from being disclosed or the device from being controlled by others. Do not use Internet Banking on a computer that is used by multiple users, such as computers in an Internet Café. When the customer's mobile phone number is changed, the Genius Message service that was activated using the original mobile phone number should be cancelled.

(V) Logon to directly for Internet Banking. Do not logon to Internet Banking from other web address or link. When leaving for a moment during the use of the electronic banking service, or after completing transactions in Internet Banking, the customer should exit the Internet Banking service promptly.

(VI) For online payments, the customer should logon to appointed websites that have agreements with IB. Do not conduct online payment on a website or though a link provided by others, so as to avoid the disclosure of the NetShield password, bank card number and transaction password.

(VII) When making a payment through Internet Banking, do not open the remote assistance function of the operating system or in other software such as MSN and QQ. Ensure that the receiver and payment amount are correct before confirming a payment; after using Internet Banking and exiting the system safely, the NetShield should be disconnected and kept safe.

(VIII) Customer should pay close attention to any changes in the balance of their account. If any unauthorized operation, disclosure of the password for Internet Banking or other suspect act is detected, the customer should immediately report the loss of the account or reset the password. Under no circumstances will IB ask a customer to transfer funds into any account by means of mail, text message or telephone. If you have any queries, please call 95561 or visit an IB outlet.

Article Ten. IB will take no responsibility for any loss of the customer due to any disclosure of the password by the customer, any failure of the customer in performing risk prevention and confidentiality obligations, or due to any other reason caused by the customer.

IB will take no responsibility for any loss of the customer for reasons not attributable to the IB, such as force majeure, hacker attack, system failure, communication failure, network congestion, power supply failure, computer virus or hostile program attack.

Article Eleven. IB may terminate or cancel the service access of any customer who violates any article herein.

Article Twelve. These articles are stipulated, construed and modified by IB.