Industrial and Commercial Bank of China Limited

As reform and opening up is deepened, more and more Chinese people go abroad and more and more foreigners join in Chinese economic development. To meet needs of overseas students, overseas working personnel and short-term overseas tourists for modern financial service, ICBC launches transnational financing service for numerous foreign-related personnel by adopting advanced E-banking channel that has awarded many international honors.

　　 With ICBC "Banking@home" personal Internet banking, you can get more convenient, more rapid and more considerate bank service to realize transnational financing.

1. Account Management
Internet banking is featured with no time and regional limits. Despite being in other places or countries, one can conveniently inquire, monitor and download account information of the domestic account, such as balance and details to realize easy account management.

2. Free Funds Transfer
Personal Internet Banking provides transfer functions such as current-to-fixed deposit, fixed-to-current deposit, current-to-call deposit and others, as well as function of intra-city remittance. Customers can make transfer freely according to their needs.

3. Transnational Payment Service
Personal Internet Banking can provide various domestic payment service for people staying abroad for short period, including payment for mobile/Unicom phone fee, fixed telephone fee and other payment service closed related to people's daily life, avoiding trouble and inconvenience caused by delayed payment and without any service fee charged.

4. Online Repayment for Overseas Shopping
After consumption or Internet shopping at overseas with International card, wherever you are, your can make repayment with Renminbi with international repayment function of international card through Internet banking. If you use international credit card, you can enjoy 25-56 days interest-free repayment for overdrawing consumption.

5. Online Securities
Although you are at abroad, you can still easily control domestic securities, national debts, funds, etc. Personal Internet Banking can provide domestic A share and B share trading for customers through personal banking and process purchase, subscription and redemption of funds as well as subscription of account national debt and secondary trading.

6. Online Forex
You can process foreign exchange real-time trading and entrust trading and you can also enquire trading details, exchange rate and exchange market information. at any time and at any where.

7. Repayment of Consumer Loan
At abroad, customers who have Consumer Loan such as house loan and vehicle loan in the Chinese mainland can actively repay loan through ICBC Internet Banking to avoid default.

8. Overseas Remittance
In 2005, Personal Internet Banking can provide customers with overseas free remittance of self-owned foreign exchange funds. At the same time, the personal Internet banking can provide customers with real-time inquiry and download foreign exchange remittance details through Internet Banking, etc.

　　 Besides above-mentioned function, personal Internet banking also has its unique advantages:

1. Extensive Service Scope & All-day Service
Whenever and wherever, access to ICBC website, a customer can enjo7y ICBC 7X24-hour "3A" service of personal Internet banking. Account transfer and remittance can be arrived at the targeted account and financing and investment can be completed easily.

2. Convenience & Flexibility
"Banking@Home" Personal Internet Banking menu is designed in a more friendly and individualized way for customers to easily understand and operate and directly and clearly to see each transaction.

3. Safety & Reliability
Besides strengthening traditional safety measures, ICBC cooperates with international well-known companies such as Microsoft to jointly develop personal customer certificates (USB-Shield) which are as safe as those for corporation users. With the certificate, customers can use the online personal financing safely and reliably ; even for online trading that involve large sums of money.. For details, please refer to the application guide of the client certificate.

4. Winning Special Honors at Home and Abroad
The Internet Banking was successively awarded "Global Best Bank Website", "China Best Corporate Internet Bank" and "China Best Personal Internet Banking" by authoritative financial journals such as the Banker and Global Finance since 2002. ICBC website distinguished itself from evaluation activities of the 5th shareholders (Internet users) favorite "Chinese Excellent Financial, Economic and Securities Website", ranking No. 1 amount bank-category websites.

In addition, ICBC has already successfully launched Telephone Banking Hong Kong Roaming service. Mainland customers can roam to its residence ICBC telephone banking fro enquiry, account transfer, payment and foreign exchange trading etc. by dialing local telephone 21895588 to choose language category, then selecting "8 inter-city roaming service" and inputting district code and "#" of customer residence (say, Beijing customers input 010#). Hong Kong customers saying in Mainland can process various business by roaming to Hong Kong ICBC Asia Telephone banking system by dialing local 95588, then selecting "8 inter-city roaming service" and inputting Hong Kong district code 00852.