ICBC China

Version No.

Released Date

New Features

Description

Ver. 10.5

13 July 2014

·ICBC e Payment

·Mobile banking
√ Mobile portal touchscreen version
√ ICBC e investment customer transaction terminal

·Personal Internet Banking
√ Personal internet banking compact version

·Corporate Internet Banking
√ Corporate internet banking quick loan
√ Commerce & Trade Express under ICBC Cash Management
√ Bank-Enterprise Interlink e-bill optimization

ICBC e Payment was upgraded fully unifying account system, mobile phone numbers, payment limit and safety certification and enabling flexible adjustment of them. With simplified enabling process, ICBC e Payment can be enabled for more than one account via the personal internet banking and mobile banking channels. Besides, the monthly payment limit control of RMB50,000 was added.

In terms of mobile banking, a special mobile portal touchscreen version (m.icbc.com.cn) was developed for smartphone users providing more diversified and more user-friendly mobile banking services.
ICBC e investment customer transaction terminal. A transaction terminal exclusive for ICBC e Payment was introduced for individual investors enabling quotation inquiry and trading of paper crude oil, paper precious metals and Accrual Gold, to further satisfy your independent and specialized trading requirements. You can download and install this terminal through ICBC portal and personal internet banking, and use it in win7 or win8 PCs.

Personal internet banking was optimized by canceling the personalized version and adding the compact version. Besides, customers can freely shift between the compact version and the standard version. Based on customers’ transaction habits, the compact version integrates common function menus. For example, it combines wealth management, precious metal, foreign exchange, bank-securities and futures services under the column of “Investment & Wealth Management” and puts bill payment, bank-hospital, social security and provident fund under the column of “Public Services”.

Corporate internet banking: corporate internet banking quick loan. “Online Finance-Quick Loan” financing service was added into corporate internet banking, enabling corporate customers to apply for loans, make drawdown, repay and conduct external payment online.
Commerce & Trade Express under ICBC Cash Management. Corporate internet banking and Bank-Enterprise Interlink began to provide Commerce & Trade Express under ICBC Cash Management, offering integrated online & offline financial services including account management, fund management, information management and payment financing to B2B bulk commodity trading markets and their corporate members.
Bank-Enterprise Interlink e-bill optimization. For Bank-Enterprise Interlink e-bill service, SMS notice, payment bills express agreement inquiry & maintenance, bill holding information & operation history information inquiry, bills pool drawing, reminder of acceptance & withdrawal of guarantee and signing for receiving were added.

Ver. 10.2

Jan 12, 2014

·Mobile Banking
√ Released mobile phone client terminal of eBuy
√ Enhanced mobile phone number-based remittance service
√ Diversified message receiving modes of ICBC Messenger
√ Optimized mobile banking

·Personal Internet Banking
√ Optimized Internet banking with Windows tablet PC

·Corporate Internet Banking
√ Introduced bid & tender management service

·E-commerce
√ Introduced interbank acquiring service of e-commerce

Mobile Banking: Released mobile phone client APPs of eBuy for iPhone & Android mobile users. Customers can download the clients from ICBC website, mobile banking and APP stores including APPstore & Google play.

The enhanced mobile phone number-based remittance service cancelled the linking of beneficiary's mobile phone number with his/her ICBC account number and supports that the beneficiary’s account number can be other bank’s. After personal internet banking and mobile banking remitters input the beneficiary’s name, mobile phone number and amount of remittance, ICBC will send a 95588 SMS notice to the beneficiary and ask him/her to reply his/her ICBC account number or account number with other bank.

ICBC Messenger service can be accepted through the mobile phone banking clients now. The customers can customize or cancel this receiving mode under “ICBC Messenger-Mobile Phone Reservation/Cancel Reservation" of mobile banking.

In the optimized mobile banking, first, we simplified the home page service of mobile phone clients by showing seven menus including eBuy, ICBC e Payment and ICBC Messenger to customers not logging in. After successful login, customers can check all the function menus. Second, we added E-receipt service whereby customers can save E-receipts or forward them with email or WeChat. The new iPhone mobile banking client terminal will go alive in App Stores after approval of Apple Inc.

Personal Internet Banking: Based on the customers’ operation habits of Windows tablet PCs, we optimized the interface and style of its Welcome Message, My Account, Call Deposit, Transfer & Remittance and Customer Service functions to further enhance user experience. Besides, the mobile life mobile phone replenishing service is added too.

Corporate Internet Banking: The Tender Management & Bidder Management services are added to provide tenderers with tender project, bidder information and security deposit management services and enable bidders to inquire tender project information and pay security deposit.

E-commerce: The interbank acquiring service of e-commerce was introduced. Individual holders of UnionPay cards of other banks can select “UnionPay Online Payment” on the page of ICBC merchant B2C for order payment without registering for online banking of other banks. This service allows cards of more than 200 national or regional banks.

Ver. 10.2

Jan 12, 2014

·WeChat Banking
√ New services and functions

·Mobile Banking
√ New function for auto-cash pooling
√Launch of Internet Banking Interlink service
√Launch of queuing service
√ Launch of USB-Shield for Android Banking users

·Personal Internet Banking
√ Upgraded apps for iPad/ Android tablet PC

·Corporate Internet Banking
√New service for sending money to accounts in other banks

·Bank-Enterprise Interlink
√Launch of e-bill service

WeChat Banking：27 new self-services for checking fixed deposit, signing up PIN bypass and activating credit card and others. Voice recognition technology is used to identify the voice of customers for their service enquiries. Function for customers to bind WeChat No. with accounts and make enquiry without entering PIN.

Mobile Banking: New automatic cash pooling function in iPhone app and Android app for customers to effectively manage their money in registration A/C and Internet Banking Interlink A/C for automatic pooling in fixed periods.

New Internet Banking Interlink service for iPhone and Android cellphone users to use the accounts opened in other banks (Internet Banking Interlink A/C) through ICBC Mobile Banking for transfer/remittance or account enquiry.

New queuing function in iPhone app and Android app, customers can log in to "Mobile Banking", click "Outlet Service" to check how many customers waiting in the line for deposits and withdrawals/wealth management or other services at the outlet first, then get a number and request ICBC to send a SMS when it is the turn to be served. The service will be available in ICBC branches nationwide in stages.

Support Android Banking users to use USB-Shield, subsequent to the launch of USB-Shield for iPhone users.

Personal Internet Banking: New app updates that come with new online services for iPad/Android tablet PC users to transfer money to accounts in other banks, receive/pay bills, use wealth management calculator, buy/sell crude oil (via account), get transaction snapshot or set PIN bypass limit. Android tablet PC users can also make B2C payment through Internet Banking.

Corporate Internet Banking: Interbank e-transfer service is now available around-the-clock for customers using Corporate Internet Banking and Bank-Enterprise Interlink. Interbank transfers under RMB 50,000 are credited into payees' accounts in real-time. The service will be available in ICBC branches nationwide in stages.

Bank-Enterprise Interlink: A new function on e-bill service is available for customers to issue bank acceptance draft, request endorsement, discount or pledge, check bills and acknowledge acceptance of commercial acceptance draft automatically.

Ver. 10.1

October 20, 2013

·WeChat Banking
√ New services

·Mobile Banking
√ New interfaces for iPhone/Android app
√ Launch 2-dimension code service

·Corporate Internet Banking
√ Upgrade on iPhone Corporate Mobile Banking
√ Launch Android Corporate Mobile Banking

·Corporate Internet Banking
√ Launch service for making a schedule to buy cheques
√ Launch edition for Global Cash Management

·Bonus Points
√ Bonus points consolidation

WeChat Banking：New services for checking balance, account details and price of gold for deferred settlement.

Mobile Banking: New interfaces for iPhone app and Android app integrating three functions including general function, wealth management and Mobile Life. All function menus are available without login, adding services including personalized setting, switching between service areas, testing on new version and ICBC applications.

New Mobile Banking 2-dimension code service. When making payment, customers can use new version of the app to scan the 2-dimension code order or ICBC's 2-dimension code sales details.

Corporate Mobile Banking: Login option for iPhone Corporate Internet Banking is changed to Corporate Internet Banking ID + mobile phone, new functions for users to open Mobile Banking functions through Corporate Internet Banking and manage common accounts.

New app for Android Corporate Mobile Banking with same services/functions and steps as in iPhone Corporate Mobile Banking.

Corporate Internet Banking: New service for customers to make a schedule for buying cheques in Corporate Internet Banking or Corporate Telephone Banking. Cheques can be collected by customers in person at ICBC outlets or delivered to customers

Corporate Internet Banking Global Cash Management provides a full range of services to corporate clients including cash flow and liquidity management.

Bonus Points: The debit card bonus points and credit card bonus points (excluding Centurion card bonus points and co-branded card bonus points, same below) of existing ICBC personal customers are combined as "Personal Bonus Points". To protect the benefits of customers, the redemption value of all combined bonus points remains unchanged. Previous bonus points for personal clients are converted into "Persona Bonus Points" at a ratio of 10:1, former credit card bonus points are converted into "Personal Bonus Points" at a ratio of 1:1.

Ver. 10.0

July 28, 2013

·WeChat Banking
√ Launch WeChat Banking

·Personal Internet Banking
√ New-version iPad Banking

·Mobile Banking
√ Support B2C payment

·Corporate Internet Banking
√Add check-writing service

WeChat Banking: Enables customers to login "ICBC Electronic Banking" via WeChat terminal to check on the latest exchange rate, interest rate, gold price, silver price, account opening bank or access operators for enquiry service.

Personal Internet Banking: New-version iPad Banking featured by the sliding function of iPad tablets, optimised display and brand-new services/functions including customised themes and Mobile Life, delivering a thoroughly improved customer experience allowing login-free access to service information on merchant discount, investment, deposit/loan interest rates, important announcement.

Mobile Banking: New function in mobile banking app enabling B2C payment for iPhone users and Android cell phone users. After shopping at ICBC's merchant app or WAP sites, customers may select order payment, and shift to ICBC mobile banking app if the merchant has signed up ICBC B2C service. Customers can either use Mobile Banking or ICBC e Payment to pay orders.

Corporate Internet Banking: Newly-added check-writing service allowing correspondent banks to draw or view cashier's order through Corporate Internet Banking, or print the cashier's order using the new version of Corporate Internet Banking. (Currently this service is only available in Shanghai, Jiangsu, Anhui and Zhejiang)

Ver. 9.9

April 21, 2013

·Personal Internet Banking
√ Support 2nd-generation USB-Shield under Chrome or Firefox
√New services for iPad/Android tablet users

·Mobile Banking
√ New services and upgrade

·Corporate Internet Banking
√New service for automatic deduction of banking charges

·e-Commerce
√ Upgrade on ICBC e Payment

Personal Internet Banking: I. Support second-generation USB-Shield for authentication under Chrome or Firefox. For customers using Chrome (Ver. 21-24) or Firefox (Ver. 10.x) under Windows7, XP, use latest version of Internet Banking Assistant to install the ActiveX. Once installed, second-generation USB-Shield can be used to sign and authenticate online transactions. II. New services for iPad/Android tablet users to buy precious metal via ICBC account regularly within a certain period and two-way trading of FX.

Mobile Banking: I. New service for checking e-salary slip. Personal loan and mobile stock market are new functions in Android version and WindowsPhone version.

Corporate Internet Banking: New service for automatic deduction of banking charges in VIP Room of Corporate Treasury Room, payment service of Corporate Treasury Room, batch deduction from individuals, batch deduction from companies.

e-Commerce: New function in ICBC e Payment to support registration of many cards or accounts in batch. Support the use of ICBC e Payment to send remittance, pay bill, schedule cash withdrawal through mobile banking

Ver. 9.8

Jan 13, 2013

·Personal Internet Banking
√Personal Internet Banking for Windows8 Tablet PC
√ICBC Messenging Upgrade

·Mobile Banking
√ Lucky Draw
√ Mobile Banking for WindowsPhone8

·Corporate Internet Banking
√Consolidate Intra-day Details and History Details

·e-Commerce
√ iPad Banking Supports B2C Payment
√ Upgrade on the Limit in ICBC e Payment

·Telephone Banking
√ Upgrade on the home voice menu
√Upgrade on Self-service Authentication

After this upgrade, enhancements on Personal Internet Banking are: I. New Personal Internet Banking app for Window8 tablet users, customers can download the app at Windows App Store, II. New ICBC messenging services: "Alert for enquiry via self-service channels" (only for customers of five-star or above) and "Alert for new financial products" for customers to subscribe.

Mobile Banking: I. Real-time lucky draw for mobile users (iPhone, Android, WindowsPhone) after banking via a mobile app, electronic prizes are top-up cards or gift coupons. II. Higher compatibility between WindowsPhone Banking and WindowsPhone8 cell phones.

Corporate Internet Banking: Under "Manage A/C", "Intra-day details" and "History details" are consolidated, customers' corporate certificate ID must be bound with computer, after binding, customers can only use the binding computer to logon.

e-Commerce: I. New version of iPad Banking app comes with B2C payment function, customers are free to make B2C payments after upgrading the app. II. Monthly limit control in ICBC e Payment is cancelled, and replaced by a new function for customers to set daily cumulative limit within 1000 yuan at their disposal.

Telephone Banking: I. New "Corporate Services" and "My Shortcut" under home voice menu. II. Authentication for self-service is changed to authentication after choosing the service, and fewer steps for self-service registration.

Ver. 9.7

Oct 13, 2012

·Personal Internet Banking
√ Chrome Browser Support
√New Private Banking

·Mobile Banking
√ Android Mobile Life
√WindowsPhone
Service Upgrade

·Corporate Internet Banking
√Gold Accumulation Program

·Bank-Enterprise Interlink
√New client server applications

·e-Commerce
√ e-Payment Service Upgrade

·Online Customer Service
√China Mobile Customer Service

After this upgrade, enhancements on Personal Internet Banking are: I. Support Chrome 21 or above under 32-bit Windows XP or Win 7. II. A new level-1 column of "Private Banking" for private banking customers to buy or sell wealth management products.

Mobile Banking: I. New Android Banking apps which allows users to use mobile financial services (latest market quotes, ICBC wealth management, discount offers, mobile phone top-up) without login. II. New WindowsPhone Banking services: bill payment, ICBC wealth management, FX trading, credit card, schedule cash advance, fixed deposit, call deposit.

Corporate Internet Banking: New "Gold Accumulation Program (GAP)" (During early period, the service will be launched in some areas as pilot) for corporate clients to open GAP account, buy gold at own choice or in fixed amount, in regular periods, manage gold, check transaction details or instructions.

Bank-Enterprise Interlink: New client/server applications combining middleware of different banks for customers to manage company funds in different banks, as well as ERP functions for financial management.

e-Commerce: New webpage design for C2C, credit payment, online agreement signing, support B2C under Chrome browser.

Online Customer Services: New mobile customer services jointly offered with China Mobile for mobile users to chat online through China Mobile Feiliao platform, also other online services such as service enquiry and information push.

Ver. 9.6

Jul 15, 2012

·Personal Internet Banking
√ Precious Metal (account) Conversion
√Firefox Support
√SMS Banking Registration

·Mobile Banking
√ New Android Banking Client Functions
√ Donation
√ Merchant Enquiry

·Corporate Internet Banking
√ Loan Payment Service for Small Enterprises

·Bank-Enterprise Interlink
√Medium and Long Term Fixed Deposit

·e-Commerce
√New Payment Service

After this upgrade, enhancements on Personal Internet Banking are: I. A new service for customers to convert between different categories of precious metals traded via account. (Currently the service is only available in some areas as pilot). II. Support on Firefox 10.0.* browser for Windows users. III. A new service for customers to register SMS Banking online.

Mobile Banking: I. 19 new services in Android Banking including ICBC wealth management, insurance, precious metal orders, Bank-Futures, Bank-Hospital services. II. A new service for mobile users to donate via Mobile Banking (WAP) or iPhone Banking. III. A new enquiry service for iPhone Banking users to look up addresses of discount merchants and their promotions.

Corporate Internet Banking: A new service for small enterprises to submit, authorize and check each loan payment instruction.

Bank-Enterprise Interlink: A new service for the opening of medium and long term RMB fixed deposit accounts (2 years, 3 years or 5 years)

e-Commerce: A new payment service with new webpage design for customers to view all orders and payment details in the same page. Options can be "online payment", "ICBC e Payment", or "Pay by Others" in some merchants.

Ver. 9.5

Apr. 7, 2012

·Personal Internet Banking

√ Installment Remittance
√ Support Apple Computer Mac OS X
√ Open Joint A/C via Internet Banking
√ICBC Messenging Upgrade

·Mobile Banking
√ Interbank e-Transfer
√Precious Metal Service Upgrade
√iPhone Banking Mobile Life

·Corporate Internet Banking
√Forextrading
√Schedule Large Cash Withdrawal

·Bank-Enterprise Interlink
√Information Services on Acquiring Merchants

After this upgrade, enhancements on Personal Internet Banking are: I. Under "Transfer/remittance" is a new function "Installment remittance" for customers to set remittance cycles and amount. Remittances will be sent automatically by periods. II. Support Apple Computer Mac OS X. III. A new function for customers to open joint A/C via Internet Personal Banking. IV. New alerts: e-mail alert on credit card repayment and SMS alert on mobile banking logon.

Mobile Banking: I. A new function "Interbank e-transfer" for customers to send and check remittances to accounts in other bank in real-time. II. Three new services - physical precious metal, deferred settlement of physical precious metal and accrual gold (II), for customers to open account or trade precious metals and accrual gold. III. New client applications in iPhone Banking - ICBC wealth management, fund, precious metal, mobile phone top-up.

Corporate Internet Banking: I. New "Online forextrading" for customers to look up latest FX prices and trade FX. (During early period, the service will be launched in some areas as pilot). II. New function for customers to schedule large cash withdrawal via Corporate Internet Banking, and draw the cash later at ICBC counter.

Bank-Enterprise Interlink: A new service which provides information on acquiring merchant and enables customers to transmit POS transaction lists in batch.

Ver. 9.4

7 Jan, 2012

·Personal Internet Banking
√Exclusive Wealth Management Products in Private Banking
√Optimization in Interbank e-transfer
√Optimization in iPad Banking

·Mobile Banking
√Optimization in Logon Procedures
√iPhone Banking Physical Precious Metal
√Overseas Mobile Banking

·Corporate Internet Banking
√Optimization in Authorization Function
√ICBC Messenging Consolidation

·Bank-Enterprise Interlink
√Improvement in Bank-Enterprise Interlink Product

·e-Commerce
√ICBC e-Payment
√Credit Payment

After this upgrade, enhancements on Personal Internet Banking are: I. A new function for private banking customers to look up details of exclusive wealth management products online and ICBC Messenging alerts. II. Remittance package for online interbank e-transfer. Customers are allowed to use their remittance package to offset remittance fee. III. Physical precious metal is a new column in iPad Banking for customers to open account for trading physical gold, manage the account or place orders.

Mobile Banking: I. Optimized logon procedures: option for selection of mobile operators is cancelled, mobile No. will not be displayed back for customers to confirm. II. New services in iPhone Banking for customers to trade physical precious metal on deferred settlement and accrue gold. III. Launch of overseas mobile banking (in Asia Pacific, currently only available for ICBC Macao customers).

Corporate Internet Banking: I. Multi-instruction authorization is a new function for customers to select many packages and authorize the batch instructions together. II. Consolidation of ICBC Messenging products in electronic banking with account messenging products available through counter. Products of different brands are available through different channels for customers to look up, change or buy at any channel. Standard fee options and fee rates are applied.

Bank-Enterprise Interlink: Customers are allowed to sign up Bank-Enterprise Interlink products by different categories. Bank-Enterprise Interlink interfaces are grouped according to different attributes and usage ranges. Product charge is applied based on the former fee options.

e-Commerce: I. New functions for customers to register and maintain ICBC e-Payment via counter, self-service terminal or Telephone Banking. New functions for ICBC e-Payment customers to make transfer, bill payment and the ICBC Messenging. New Telephone Banking function to support B2C payment by ICBC e-Payment. II. Support on new types of credit payments - C2B and B2C.

Ver.
9.3

Oct 23, 2011

·Personal Internet Banking
√ Personal Internet banking(Customized Edition)
√ Optimization in Internet Banking Assistant
√ Optimization in iPad Banking

·Mobile Banking
√Schedule Cardless Cash Advance
√iPhone Corporate Mobile Banking
√Optimization in iPhone Personal Mobile Banking

·Corporate Internet Banking
√English Version of Industry Edition
√Consolidation in Cash Management Product
√Structured Deposit Service

·Bank-Enterprise Interlink
√ Wealth Management Product
√ Service Enhancement

·e-Commerce
√ICBC e-paymen

After this upgrade, enhancements on Personal Internet Banking are: I. Customized Personal Internet Banking brings you a new experience with many functions such as desktop display, modular steps, flexible drag and drop and service snapshot. II. Shortcut and self-defined installation are new functions provided in Internet Banking Assistant and enhanced functions for the set-up. III. New functions in iPad Banking are: deferred settlement of physical precious metal and fund trading A/C management.

Mobile Banking: I. Add a new function for customers to schedule a date for cardless cash advance via mobile phone. Once scheduled, customers draw cash at any ICBC ATM before the deadline date. (During early period, the service will be launched in some areas as pilot). II. Launch of iPhone Corporate Mobile Banking for corporate clients to use iPhone for their banking activities. III. Wealth management products and insurance service are newly added into iPhone Personal Mobile Banking.

Corporate Internet Banking: I. English version is available for Industry Edition. II. Cash pooling/ allocation, receipt/disbursement control are advanced functions incorporated into global cash management product. (During early period, the service will be launched in some areas as pilot). III. Structured deposit is a new wealth management option.

Bank-Enterprise Interlink: I. A new function for customers to buy or sell wealth management products. II. Optimization on the interface for customers to look up the details, "Offset Y/N" and "Value Date" can be returned for customers to check.

e-Commerce: "ICBC e-payment" is a new service for customers to initiate payment instruction online. Payment will be completed after the identification and authentication. (During early period, the service will be available for some merchants as pilot).

Ver.
9.2

July 17, 2011

·Personal Internet Banking
√Optimization in Custody A/C
√Enquiry of History Details in Overdue Period
√Enquiry on Entrusted Loan
√Optimization in Scheduled Transfer

·Mobile Banking
√Buy/Redeem Wealth anagement Product
√Mobile Insurance
√Buy Remittance Package

·Corporate Internet Banking
√Optimization in Batch Collection from Individual
√Optimization in Self-Defined Payment Purpose
√Optimization in Online Financial Management Software
√Optimization in Bill Pool
√Optimization in Group Control of e-Bill

After this upgrade, enhancements on Personal Internet Banking are: I. New function for customers to apply for custody of account via Personal Internet Banking. Now the custody account can also be managed via Mobile Banking. II. Allow customers to look up history details under 5 years via Personal Internet Banking and Telephone Banking. III. Allow customers to look up the personal entrusted loan agreement signed with ICBC via Personal Internet Banking. IV. Support the use of your own inter-city A/C to receive the amount from scheduled transfer.

Mobile Banking: I. Customers are allowed to buy and redeem wealth management products via Mobile Banking, look up the wealth management products bought via Internet Banking or at the counter. II. Support customers to buy Pacific aviation accident insurance via Mobile Banking, look up the insurance products bought via Internet Banking or at the counter. III. Support customers to buy remittance package via Mobile Banking.

Corporate Internet Banking: I. New function for the feedback of the balance in the deducted A/C after batch collection from individual. If the balance in the deducted A/C is insufficient, feedback to the deduction company that the deducted A/C has to make up the difference. II. New function in Payment Service - Corporate Treasury for customers to self-define the payment purpose. Customers are allowed to self-define the remittance purpose after signing up the self-defined function at the counter. III. In Online financial management software, customers registered at the counter are allowed to change the original fee-payment solution. In the Welcome webpage, new service where alerts are sent to remind customers the expiry of online financial management service. Allow corporate customers to apply for invoices online. IV. Customers are allowed to check and maintain the bill pool agreements. V. In electronic commercial draft service, add new function to control targeted endorsement and targeted approval agreement. Group customers are allowed to manage all electronic bills under the name of member A/C in the Group for circulation. Any circulation of all the electronic bills under the name of member A/C in the Group must be approved by the master A/C in the Group agreement.

Ver.
9.1

Apr 23, 2011

·Personal Internet Banking
√Fixed-Current Link
√Optimization in Automatic Pooling of Funds
√Optimization in Internet Banking Interlink A/C

·Mobile Banking (WAP)
√Streamlining of Mobile Banking (WAP)

·Corporate Internet Banking
√Domestic L/C
√Foreign Currency Fixed Deposit, Call Deposit

After this upgrade, enhancements on Personal Internet Banking are: Fixed-Current Link is a new function for customers to set an amount reserved in the current account. When the account balance is more than the reserved amount set by the customer, the system will open a lump fixed deposit A/C and transfer the amount more than the reserved as fixed deposit. Custody A/C and ICBC A/C of others are new types of pooled accounts. A new function for credit card repayment by Internet Banking interlink sign-up A/C. Customers can use the internet banking interlink A/C of other bank which has been authorized for payment under agreement to repay ICBC credit card.

Mobile Banking (WAP): New function to self-define transaction limit control to add the convenience and security to Mobile Banking (WAP). "Housing Provident Fund" is placed under "Manage A/C". "Small Exchange Settlement" is renamed as "Personal Exchange Settlement". Security functions - change password, manage permission, set reserved information are consolidated under "Customer Service/Security Center". "Manage Code Card" is a new function to support customers holding code card to adjust within the credit line granted by ICBC the limit for one transaction and the daily limit

Corporate Internet Banking: add the new service of domestic L/C for customers to apply via Corporate Internet Banking for the opening and approval of domestic L/C, check details and complete the procedures on credit facility. Under this new version, more channels are offered for corporate customers to make foreign currency fixed deposit and call deposit, either via Corporate Internet Banking or Bank-Enterprises Interlink.

Ver.9.0

Jan. 15, 2011

·Personal Internet Banking
√Optimization on Global Account Management Functions
√ICBC Messenging - Alert for Password Update/Re-set
√Check Internet Banking Login/Logoff Details

·Mobile Banking (WAP)
√Classification of Mobile Banking (WAP) Customers
√Corporate Mobile Banking (WAP)

·Corporate Internet Banking
√Welcome/Goodbye Page
√Enhancement on Supply Chain Financial Services
√Schedule e-Commercial Draft

After this upgrade, enhancements on Personal Internet Banking are: optimized functions for global account management, support on domestic Money Link cards to be linked under overseas Internet Banking, synchronized update between replaced cards (Elite Club Card, Money Link Card, E-Age Card, Credit Card, Quasi Credit Card, International Debit Card, Private Label Card) and global account management agreement;

In ICBC Messenging, add a new service - "Alert for Password: Update/Re-set". ICBC will send SMS to inform customers whenever any change in login password (Mobile Banking (WAP), Personal Internet Banking, Telephone Banking), payment password for customers using static password, or USB-Shield password.

"Check Internet Banking Login/Logoff Details" is a new function for customers to check the login/logoff details for the past one month. (No enquiry on the current day details).

Mobile Banking (WAP): Customers are grouped into 4 classes: general customers, VIP customers (class 1), VIP customers (class 2) and VIP customers (class 3). New Corporate Mobile Banking (WAP) services for registered customers of Corporate Internet Banking to approve instructions or check accounts through Mobile Banking (WAP). (This pilot function will be only available in Tianjin currently)

Corporate Internet Banking: New welcome page and goodbye page. Welcome page provides information for customers about alerts on bank-enterprise reconciliation, loan, fixed deposits, term deposits or wealth management products. Goodbye page provides information on the transactions completed during this login.

Enhancement on supply chain financial services includes new "Transfer" function besides accounts receivables financing and order financing. Upstream suppliers can transfer the balance from the escrow account when the incoming amount has been credited and loan of the core enterprise has been repaid.

"Schedule e-commercial Draft" is a new function for customers to schedule the drawing of bank acceptance draft or commercial acceptance draft as well as the presentation.

Ver.8.9

October 23, 2010

·Personal Internet Banking
√Manage Global Accounts

·Corporate Internet Banking
√Letter of Guarantee
√Electronic Commercial Draft –Payment-Bill Link

·Mobile Banking (WAP)
√Remittance to Overseas Visa Card
√Buy Investment Product
√Apply Pledge Loan

·Personal Telephone Banking
√Customize Personal Menu
√Customer Classification (4 classes)

After this upgrade, enhancements on Personal Internet Banking are: new personal internet banking service of global account management allows customers to interlink and look up all the personal global accounts via Personal Internet Banking or at the ICBC counter, as well as transfer between registration accounts. (The service will be launched in Shenzhen and Macau as pilot)

Corporate Internet Banking: New service for customers to apply, check and manage letter of guarantees via Corporate Internet Banking (The service will be launched in Beijing, Shanghai, Jiangsu and Zhejiang as pilot). New payment service for electronic commercial draft allows customers to automatically present for collection, acknowledge bill or apply for discounting, facilitating the drawers and drawees in monetary transfer.

Mobile Banking (WAP): Remittance to overseas Visa cards is a new service for customers to send money to overseas Visa cards via Mobile Banking (WAP). More services for buying investment products via mobile banking, mainly include Link Express (ultra-short, buy new stock), Rollover, T+0 wealth management. New function for customers to apply pledge loan or draw loan through self-service.

Personal Telephone Banking: Service for customers to create own customized menus. When the customer dials 95588, system will read out the personal menu directly. Telephone Banking customers are grouped into 4 classes: VIP gold members, VIP silver members, VIP ordinary members and ordinary telephone banking customers.

Ver.8.8

July 18, 2010

·Personal Internet Banking
√Online Financial Analysis
√Cross-border Remittance to ICBC Accounts

·Corporate Internet Banking
√Multi-level combined authorization
√Exchange Settlement Application
√Supply Chain Finance Service

·Mobile Banking
√Cross-border Remittance to ICBC Accounts

·Other Products
√Advisory Service via SMS
√Optimized Installation for USB-Shield

After this upgrade, enhancements on Personal Internet Banking are: a range of online financial analysis services for the customers and family members on the registration of account details, statistics on income and expense, asset and liabilities and financial planning. (Available in Hebei,Tianjin during early phase); New function for cross-border remittance to accounts opened in overseas ICBC subsidiaries. (Available in Beijing,Shanghai,Jiangsu during early phase)

Corporate Internet Banking: New service for multi-level combined authorization where authorization path can be flexibly set in line with the company’s business requirements, including the set up for product categories, authorization levels, permission, authorization in/out of sequence. The service helps the corporate clients to control and manage the online funds. (Available in Tianjin,Jilin,Hebei,Henan,Jiangsu,Hubei,Fujian,Guangxi during early phase). Exchange settlement is a new service for the settlement of foreign currency in the current accounts directly through Corporate Internet Banking. (Available in Tianjin, Fujian during early phase). New package of financial service in supply chain finance for the core companies and their upstream and downstream companies, covering the management of supply chain members, information management, financing and settlement services. (Available in pilot areas during early phase)

Mobile Banking (WAP): New function for personal customers to make cross-border remittance to accounts opened in overseas ICBC subsidiaries. (Available in Beijing,Shanghai,Jiangsu during early phase)

Other Products: Advisory service via SMS is a new service for customers to send questions to 95588 via SMS in a fixed header. ICBC will reply by sending SMS back to the customers. New product offers assistance accordingly for customers to download/install USB-Shield drivers, the latest USB-Shield drivers and download certificate.

Ver.8.7

April 11,
2010

· Personal Internet Banking
√Remittance to Mobile No., Email
√One-to-many Term Transfer

· Corporate Internet Banking
√Cross-border FX
Service
√Bill Pool Service

· Mobile Banking (WAP)
√ Fast Logon
√ Unicom Mobile No. Logon

After this upgrade, enhancements on Personal Internet Banking are: Remittance to mobile No., or email where the payee's name, email or mobile No. is given by the sender during remittance via Personal Internet Banking, Mobile Banking (WAP) or in person at the ICBC Counter. Before that, the payee must bind his/her ICBC A/C No. to the email or mobile No. via Personal Internet Banking or Mobile Banking (WAP). One-to-many term transfer allows up to 5 accounts to receive the transfer. Customers using code card can only transfer to registration A/C of Internet Banking, USB-Shield customers are allowed to transfer to registration A/C, other cards or accounts, and custody A/C.

Corporate Internet Banking: The cross-border FX remittance allows payments to be made to overseas banks. Bill pool is a service for drawing bill by sharing the limit under the bill pool agreement. The shared limit can be increased by pledging the bill into the pool or decreased by taking the pledged bill out of the pool. Customers also have the option to discount, pledge, transfer or apply for collection on the bills under custody in the pool.

Mobile Banking (WAP): New client software for fast logon. The software can be downloaded to mobile phone at ICBC portal, via PUSH SMS or Mobile Banking (WAP). Fast logon is easy: install the software, click the LOGO at the mobile menu and start the mobile browser, no need to key in the WAP logon address. (Fast logon is only available in WAP Ver. 2.0. WAP Ver. 1.2 does not have the function). Unicom Mobile No. Logon is a new function for Unicom mobile users to logon only by password and verification code, no need to enter the card No. (except IPHONE)

Ver.8.6

Jan 23,
2010

·Personal Internet Banking
√ICBC Messenging Trial Service
√Manage Interbank Account
√Personal Remittance Package

·Corporate Internet Banking
√Bank-Commodity Exchange Transfer

·Mobile Banking (WAP)
√Petty FX
√Check Loan Details
√"Welcome" / "Goodbye" Webpage

After this upgrade, enhancements on Personal Internet Banking are:
ICBC Messenging offers more than 10 free services during the trial period; “Manage interbank account” is a new service for customers to manage their accounts in other banks or transfer monies from other banks into ICBC accounts through ICBC Personal Internet Banking; In personal remittance, more discounts are offered from a variety of packages depending on the choice of package price, number of transfers/remittances and validity period of the package.

Corporate Internet Banking: Bank-Commodity Exchange Transfer is a new service for members of Commodity Exchange to settle and monitor the funds.

Mobile Banking (WAP): “Petty FX” enables customers to buy small amount of FX through mobile phone; “Check Loan Details” allows customers to check everything about their personal loans anytime, anywhere; In “Welcome Webpage” or “Goodbye Webpage” are all the information on ICBC activities, as well as greetings and friendly reminders from ICBC.

Ver. 8.5

Oct 18th, 09

·Personal Internet Banking
√Remittance to Overseas Visa Card
√Financial Supermarket
√Goodbye Webpage

·Corporate Internet Banking
√Allocation of Group Overseas Funds
√Electronic Commercial Draft

·Security Products
√Code Card Binding Service
√Logon SMS Alert/ Signof

After this upgrade, new features on Personal Internet Banking are:
"Remittance to overseas Visa card" offers convenience for remittance to friends and relatives overseas. Financial supermarket is a one-stop platform for financial services where you can find all the news about fund, FX and insurance, as well as buying and selling. A goodbye webpage is now included in Personal Internet Banking. After you sign up the service, every time when you logout system will automatically list out all the transactions within this login. You will also be reminded to unplug USB-Shield to avoid from being stolen. Further, to let customers enjoy the services, new features are made on the main columns about T-bond, fund, precious metal, online FX, online loan and mobile banking (WAP).

Corporate Internet Banking: "Allocation of Group overseas funds" allows companies to add accounts of their overseas subsidiaries into Internet Banking of the Group in China so that headquarter can check the accounts of their subsidiaries, allocate and manage the funds in the Group. The function enables a multinational group to allocate the funds around the world in a timely fashion. Launch functions related to the electronic commercial draft for customers to draw, accept, endorse or discount via Internet Banking. Such new functions help in the clearing of funds and statistics enquiry on electronic commercial draft and enable customers to settle payment and get financing through the use of paperless electronic commercial draft.
Meanwhile, there are upgrades and extensions on many original functions including letter of credit and business card.

Security Products: Service of code card binding enables customers using the card to assign a computer for outward transfer and B2C transaction. The service helps to protect the physical card or information in the card from being stolen. Logon SMS Alert/Signoff is a service for sending SMS alerts to those login Personal Internet Banking. If the user denies the login this time, forward the SMS to 95588 and logout mandatorily in order to protect the monies in the account.

Ver. 8.4

July 19, 2009

·Personal Internet Banking
√Check Provident Fund
√Refined Restructuring
√Optimize Online Customer Services

·Mobile Banking（WAP）
√New Functions for 3G Experience

After this upgrade, enhancements on Personal Internet Banking are:
A new column on housing provident fund for customers to check the balance and transaction details; Improve customers' experience through refined restructuring on Personal Internet Banking, including layout of the webpage, menu navigation, transaction flow, information displayed, Help/Search, installation of certification and transaction flows; Optimized online functions in customer services for VIP Internet Banking, where new functions included in the dialog box at the client end are font editing, voice prompts, window blinking, pop-up messages and links to message board. Customers will find themselves easier to look for help, or find ways to solve problems.

Mobile Banking（WAP）: New functions based on the version of 3G Experience launched in late May. Besides all the fundamental banking services such as account checking, transfer and remittance, new functions offer more: buy/sell funds, trade precious metals, creditcard repayment and installment.

Ver. 8.3

April 19, 2009

·Personal Internet Banking
√Accessible Corporate Annuity Details
√Optimized "Welcome"Page

·Telephone Banking
√Extended Functions in Current Deposit Passbook

·Mobile Banking（WAP）
√Services on T-bond

·Corporate Internet Banking
√Summary Payroll List
√Collection of Non-Tax Revenue from Central Government

After this upgrade, enhancements on Personal Internet Banking are: Accessible Corporate Annuity Details – a function for those without ICBC A/C No. to look up the personal annuity A/C online via ICBC Internet Banking simply using the information given by the working company; optimized the "Welcome" Page where an array of news and information are tailored for each individual customer.

Telephone Banking: extended functions in current deposit passbook for users to make transfer or remittance, buy or sell fund and transfer monies between bank and securities company by phone.

Mobile Banking（WAP）: Support the one-stop buying of savings T-bond (Certificate) and book-entry T-bond.

Enhancements on Corporate Internet Banking are: new function on summary payroll list which can be printed online via Corporate Internet Banking, veracity of the list can be verified at ICBC website; new function on the collection of non-tax revenue from central government where general payment details are also displayed for the sign-up users besides intraday details and history details are available for enquiry.

8.2

Feb 21, 2009

·Personal Banking
√Discount Available on Birthday
√More E-banking Channels for Current Deposit Passbook √Optimize the Summarization on e-Payroll Slip
√Restructuring on e-mall Transaction Limits

·Telephone Banking
√Support on Code Card

·Self-service Terminal
√Support on Fund Services

·Corporate Internet Banking
√Restructuring on Account Enquiry Mechanism
√Transfer between Members and Exchange
√Online Custody of Special Fund

After this upgrade, enhancements on Personal Internet Banking are:
Discount on service charges, banking charges for customers who make ICBC remittance or inter-bank remittances on their birthdays;

Support the transactions on current deposit passbook via Personal Internet Banking and WAP Banking;
Optimized the functions on "Check e-Payroll Slip" to allow enquiry by yearly summary, optimized the summarization on interest income tax;
Add limit control on single transaction, daily cumulative, monthly cumulative for e-mall transactions.

Support the use of code card in Telephone Banking to make transfer or remittance by password to any A/C No. within ICBC system or in other banks.

Support the enquiry, buying and redemption of fund via self-service terminal.

Enhancements on Corporate Internet Banking are:
The restructured account enquiry allows the registration of Corporate Internet Banking without using A/C No., multi-accounts enquiry where the accounts of subsidiary branches linked under can be hierarchically summarized and managed.

Based on the existing services between members and Exchange, the new service available is the transfer and clearing between members and Zhengzhou Commodity Exchange as well as Shanghai Gold Exchange.

Custody of special funds is now available via Internet Banking (including principal and persons who use the fund).

8.1

Oct 18,2008

·Personal Internet Banking
√USB-Shield(Second Generation)
Pay Insurance Premium Online
Schedule Services
Trade Precious Metal Online
·Corporate Internet Banking
√ Cash Pool, Zhifutong Card, Inter-bank FX Remittance

In this upgrade, new functions and services launched in Personal Internet Banking are: USB-Shield(Second Generation), pay insurance premium online, schedule services and integration of services and enhancement of functions for trading precious metal under a new online platform. While under Corporate Internet Banking, new functions available are transfer from Member to marketplace, cash pool, Zhifutong Card and radical overhaul in the functions for inter-bank FX remittance.

8.0

July12, 2008

·Personal Internet Banking (VIP Version)
√Independent Service Channel, VIP Service Area, VIP Rate, VIP Services, VIP Products

·Mobile Banking
√WAP Banking

·Personal Internet Banking
√Petty FX, Apply Loan

This upgrade mainly includes new functions of Personal Internet Banking (VIP Version) and Mobile Banking (WAP), buy FX in small amount, apply loan online via website/Internet Banking, as well as ease-of-use functions in Wealth Management and Online Fund.

7.7

Apr 19, 2008

·Personal Internet Banking
√Pre-Signing up Personal A/C, Internet Banking

·Corporate Internet Banking
√Bank-Tax Link
√Remittance for buying new shares In

this upgrade, new functions included are Bank-Tax Link and Remittance for buying new shares and massive optimization in Personal Internet Banking and Corporate Internet Banking.

7.6

Jan 19,2008

·Personal Internet Banking
√Defined Fund Investment Plan (Unfixed Amount)

·Corporate Internet Banking
√Online Guarantee Paymen

This Upgrade mainly includes functions of Defined Fund Investment Plan (Unfixed Amount), Online Guarantee Payment, no limitation to transfer from company account to personal account (Corporate Internet Banking), optimized the upload of batch payment file (Corporate Internet Banking), and unified the Unicom Service Code for ICBC Messenging.

7.5

Oct 28, 2007

·Personal Internet Banking
√Custody Account
√Inter-bank remit booking

·Corporate Internet Banking
√Business Card Management
√CFCA Certificate

This Upgrade mainly includes functions of Custody Account and CFCA Certificate. It makes improvement on the Usability of USB-Shield and realizes massive optimizations on Personal/Corporate Internet Banking.

7.4

Aug 19, 2007

·Personal Internet Banking
√Bank-Security Express
√Self-help online registration of Third-party depository

·Corporate Internet Banking
√Self-help online registration of Third-party depository

This Upgrade mainly includes functions of Bank-Security Express and Self-help online registration of Third-party depository. Meanwhile upgrade the controls for download and sign of USB-Shield.

7.3

July 22, 2007

·Personal Internet Banking
√Personal FX Fund √Internet Banking –New Peony Card Services

·Corporate Internet Banking
√Online Bank-Finance Link –Business Card Support System

This Upgrade mainly includes new functions and services -- Online Security Scan, Peony Card Activation, Personal FX Fund and massive optimization on Personal/Corporate Internet Banking.

7.2

Apr 22, 2007

·Personal Internet Banking
√Foreign Card Acquiring √Int'l Card Transfer/Remittance/Bill Payment √Buy Certificate T-Bond

·Corporate Internet Banking
√Super Short-term Finance

Major optimization on Personal and Corporate Internet Banking, and new products such as foreign card acquiring, buying of Certificate T-Bond

7.1

Nov 11, 2006

·Personal Internet Banking
√LinkedInter-city Account √Switch of Inter-city Account √Free to subscribe e-Statement √ Optimization for ID Logon

·Corporate Internet Banking
√SME Version

Major optimization on Personal and Corporate Internet Banking, and Corporate Internet Banking for small-to-medium enterprises

7.0

Jul 22, 2006

·Personal Internet Banking
√e-Banking Code Card √ Personal Pledge Loan (Nationwide) √Constant Dollar Plan √Secure Profit Online √Overseas Version

·Bank-Enterprise Interlink
√Bill Custody

This upgrade comes with e-Banking Code Card as another security measure to Internet Banking. Also new online finance products such as Personal Pledge Loan, Constant Dollar Plan.

6.3

Apr 22, 2006

·Personal Internet Banking
√English Version √ Online Gold √Call Deposit in E-Age Card

·Corporate Internet Banking
√Masking of Account Name in "Corporation Finance Room" √Standardize Webpage √Refund Period for B2C extend up to one year

An English Version of Personal Internet Banking is launched for English-speaking customers, together with online trading services for gold in tide with the market needs.

6.2

Jan 07, 2006

√ Managing Money Across the Borders √ Consolidation of Petty Account √ Gold Trading Services for USD Account

This upgrade, together with the previous two versions, have Internet Banking functions further optimized in terms of ease-of-use and individuality.

6.1

Oct 29, 2005

·Personal Internet Banking
√ Online Toll Station √Reserved Information Verification Service √Management of Nationwide Accounts √Auto-repay for Peony Card

·Corporate Internet Banking
√C2C Online Payment √ Online Bank-Finance Link √Corporate Online Fixed Deposit √Corporate e-Statement

New security measures to better serve for customers, where Reserved Information Verification is the first such kind of services in China to verify banking websites.

6.0

Jul 16, 2005

·Personal Internet Banking
√Co-brand E-card √New Hints and Operation Guide for some of the services √Enquiry on history details for the past twelve months √Certificate validity extend to 5 years instead of 1 year

·Bank-Enterprise Interlink
√Domestic FX Remittance √Group FX Allocation √B-Share FX Clearing and Enquiry

Major upgrade on the existing services for better ease-of-use, more comprehensive and much tailored.

5.0

Apr 24, 2005

·Personal Internet Banking
√New and optimized services for FX trading

·Corporate Internet Banking
√Entrusted Loan √Custody of Online Bill √Online Repayment of Loan √Payment Services – Corporation Finance Room √Upload of e-Payroll Slip

·Bank-Enterprise Interlink
√ Aggregate/Allocation of Group Fund, Centralized Payment/Collection

Add new and optimized functions

4.0

Nov 14, 2004

·Personal Internet Banking
√Personal Internet Banking Alias√ Call Deposit - Personal Elite Club Account √Real-time reminding services for balance changes in Elite Club Current Account√ Report loss of Fund Account √Report loss of Bond Account √Bank-Futures Transfer √Website integration between Shenzhen branch, Zhejiang branch and Headquarter.

·Corporate Internet Banking
√General Version √Electronic return slip √Fund clearing with securities registry company √Real-time reminding services for balance changes in Corporate Settlement Account

A General Version of Corporate Internet Banking is launched for small-and-medium enterprises to monitor financials real-time.

New online finance services in Personal Internet Banking including call deposit, personal deposit/loan, FX, stock, fund, bond, futures, insurance.

3.0

Aug 21, 2004

·Personal Internet Banking
√Buy FX to repay Int'l Card √Open online fund/bond A/C self-service √Delete Registration Card self-service √Delete Linked Account self-service√ Cancel Internet Banking A/C self-service√Cancel certificate self-service √Identify type of transfer/remittance card automatically √Stop-Loss and Two-way orders for FX trades

·Corporate Internet Banking
√ Call Deposit √Agreement Deposit √FX Remittance√Int'l Credit Card √ Corporate USBKey Certificate √Bank-Corporate Financial Room/Toll Station

More personalized E-banking functions for online finance and international banking.

2.0

May 23, 2004

·Personal Internet Banking
√Report loss of linked card √Trading of back-load fund √Simplify account balance enquiry √Auto determine of remittances within ICBC √Longer trading hours for spot FX

·Corporate Internet Banking
√Corporation Finance Room - Entry of accounts by summary or by transaction√VIP Room: Auto-gathering

System and functions are optimized to increase efficiency and reliability so that customers can enjoy high-quality E-banking services.

1.0

Feb 1, 2000

Personal Internet Banking
Corporate Internet Banking

E-banking services open to all through internet and mobile.