Ⅰ. Sample of Peony Annuity Credit Card 

(1) Sample of Standard Edition

Peony Annuity Credit Card (Gold Card)	Peony Annuity Credit Card (General Card)

Peony Annuity Credit Card (Gold Card)	Peony Annuity Credit Card (General Card)

Ⅱ. Function Introduction of Peony Annuity Credit Card

With a Peony Annuity Credit Card, the cardholder can enquire the information of his (her) corporate annuity account through Self-service Terminal, Internet Banking, Telephone Banking and other approaches.

Meanwhile, Peony Annuity Credit Card has all functions of common cards. Adopting revolving overdraft consumption method that is popular internationally, according to every Peony Annuity Credit Card holder's conditions of qualification and credit, the issuing institution grants the cardholders certain credit lines and the cardholders can first consume and later repay within the credit lines. Peony Annuity Credit Card can be used in all ICBC' s banking outlets, ICBC' s member store, the member store with signs "UnionPay" and ATMs in China, as well as the member store with signs "UnionPay" and ATMs overseas. Taking RMB as its settlement currency, Peony Annuity Credit Card has overdraft consumption, transfer, settlement, cash deposit and withdrawal as well as other functions.  

1. Annuity Enquiry Function
Any cardholder of Peony Annuity Credit Card can enquire and print his (her) information of the corporate annuity personal account through ICBC network and self-service terminals throughout the country, also can enquire his (her) annuity payment information, investment portfolio information, earning allocation information, annuity withdrawal information and others through safe, fast Internet Banking and Telephone Banking. The opening time of the enquiry function of the Peony Annuity Credit Card via ATM will be noticed separately.

(1)Enquire the corporate annuity account information through self-service terminal
You can enquire your corporate annuity account information via any ICBC's self-service terminal throughout the country. Insert your corporate annuity credit card in a self-service terminal and operate according to the steps on the drawings. There is no any limit about the times, or any fee of the enquiry about your corporate annuity personal account information through the self-service terminal.

(2)Enquire the corporate annuity account information through Internet Banking
Logon ICBC's Internet Banking website(www.icbc.com.cn), enter into the entry interface of Personal Internet Banking, input your card number and password, enter into the system according to the prompting, and then click "my corporate annuity", you can choose the information about the corporate annuity you want to enquire.

(3)Enquire the corporate annuity account information through Telephone Banking
Through ICBC Telephone Banking (dial the united telephone number 95588 in China)，personal clients can easily enquire the corporate annuity account information and detailed transaction information through choosing "3-enquire annuity" under "0-other financial services".

2. Credit Card Function
(1)Credit Consumption
With Peony Annuity Credit Card, you can first consume, and then repay within the approved credit line, and enjoy 25-56 days of interest free repayment term. If you can't repay all amount before the due date, you can repay in line with the lowest repayment amount signed in the bank statement and easily enjoy the value of the credit.

(2)Adequate and Flexible Credit Line
In consideration of the conditions of the qualification and credit of the applicants of Peony Annuity Credit Card and the concrete condition of the annuity enterprise, ICBC can grant every applicant a proper credit line, after the card application was approved, the credit line can be gradually lifted according to the credit record and the card use condition of the cardholder. If the existing credit line can't meet the demand, the cardholder can call 95588 and apply for temporary or permanent increase of the credit line so as to have fun of the consumption.

(3)Revolving Credit, Sufficient Interest Free Term
With a Peony Annuity Credit Card, you can consume without deposit in advance, overdraft consumption, and enjoy interest free repayment term (except withdraw cash and transfer) so that you can first consume and then repay. You can repay all amount or part amount in terms of the lowest repayment amount before the due date signed on the bank statement, after the repayment of all overdrafts, the credit line will automatically restore in terms of the repayment amount so that you can enjoy happy credit life.

(4)Wealth Management and Point Reward
With a Peony Annuity Credit Card, the cardholder can enjoy the year-end e-settlement list service offered by ICBC that offers consumption data for the further optimization of wealth management plan of the cardholder; the cardholder also can win a lot of points through point reward and exchange plan so as to enjoy more preferences and have fun of consumption.

(5)Installment Service
With Peony Annuity Credit Card, if the amount of a single consumption exceeds RMB 600, the cardholder can enjoy installment service. The cardholder can directly go through the procedure of installment in ICBC's member store, or easily handle the installment business through ICBC's banking outlets, or customer service hotline: 95588 after consumption.

(6)More services and preferential treatments
★Withdraw cash in local ICBC and deposit in other place free of procedure fee;  
★Consumption password input option;
★ Deposit, withdrawal and consumption arrive in real time;
★ Balance change reminding with text message of the mobile phone in real time; 
★ Offer revolving credit and 56-days interest free repayment term at most;
★ Set automatic repayment from appointed account;
★Domestic internet shopping;
★24 hours Internet and Telephone Banking service; 
★Credit line adjustment self-service; 
★Financial settlement bill service; 
★Paper or e-statement service; 
★Can be used in the member store with signs "UnionPay" and ATMs overseas.

Note: Information provided on this page is for your reference only.  The specific details should be subject to the business operation process as well as the announcements and stipulations at your local bank outlet.ICBC reserves the right of final interpretation.