I. Introduction
iPad Banking is a range of ICBC online banking services tailored to iPad users. ICBC iPad Banking has the same styles of interfaces, flows and operating steps in existing iPad application software, familiar feel to iPad users and excellent customer experience. ICBC iPad Banking offers exclusive services, rich functions, safe and reliable. Main details are as below:
(I) Welcome Webpage
This is a webpage to welcome you logon iPad Banking where you can find the information such as birthday or holiday seasonal greetings, security tips, messages for you from ICBC and friendly reminders. In the birthday greeting, you can find how much discount you can enjoy if you make transfer or remittance on your birthday; friendly reminders are little notes to remind you the maturity dates of your call deposit, fixed deposit (30 days in advance), rollover investment agreement (7 days in advance), and ad-hoc report loss of card (remind when your loss reporting will expire).
(II) Manage A/C
A group of functions covering My A/C, report lost A/C, set default A/C, general bank A/C service and housing provident fund.
(III) Transfer/Remittance
A group of functions for you to transfer money via registration A/C, ICBC remittance, interbank remittance, remittance to overseas VISA card, remittance to mobile No., remittance to E-mail, as well as "My Payees" and "Check details".
(IV) Bill Payment
A function for you to pay bills under billing items of “Unique Branch Services”. You can submit instruction during non banking hours to schedule your bill payment. ICBC will process your bill payment during banking hours. Once the payment is successful, you can save the information in "My Payment Items". Use "My Payment Items" to pay or look up bills faster. This function also allows you to sign, check or cancel the auto-pay agreement. 
(V) Fund
An enquiry function for checking up details of a fund (including: fund code, fund name, fund type, NAV, history NAV) by fund company, fund type, fund code and chosen fund, or setting funds that should be watched closely as your chosen fund. More functions for easy access to purchase of fund, subscription, regular investment, redemption, cancellation, enquiry on balance and history details.
(VI) ICBC Wealth Management
Functions for signing, checking and managing Link Express (Ultra-Short) wealth management agreement, Link Express (Buy New Stock) wealth management agreement, T+0 wealth management agreement.
(VII) T-bond
Functions available for savings T-bond (certificate) are information enquiry, buying or redemption, and enquiry on the balance. Functions available for book-entry T-bond include details checking, opening of custody A/C, buying, selling, enquiry on transaction balance and details.
(VIII) Precious Metal
Functions for checking real-time prices of trading precious metals via accounts and trend charts. Use the functions to buy/sell precious metals via account for immediate delivery or placing orders (including profit-making order, stop-loss order, two-way order, additional order, revolving order, one-to-many order, and trigger order), check account balance and trading details.
Functions for conversion of precious metals via accounts. Available for enquiry are real-time median prices, reference conversion rate and trend chart. Functions for placing orders for conversion (including profit-making order, stop-loss order, two-way order), check account balance and conversion details.
Functions for trading physical precious metals. Use the functions to buy/sell three types of physical gold - AU9995, AU9999, AU100, submit application to withdraw gold. Also functions to look up latest market prices of physical gold, trading details, check/cancel orders.
Functions for you to trade physical precious metals for deferred settlement. Use the functions to buy/sell or close positions for gold ( AU(T+D)) and silver (Ag (T+D)), settle the trades or place neutral positions. Also functions to look up latest market prices of physical precious metals for deferred settlement, trading details, check/cancel orders.
(IX) Bank-Securities
A function for making Bank-to-Securities transfer or Securities-to-Bank transfer, view or manage the accounts.
(X) Foreign Exchange
Functions for checking real-time exchange rates, trend charts and setting own choice of exchange rate. Also functions for spot deal or placing orders (including profit-making order, stop-loss order, two-way order, additional order, revolving order, one-to-many order, trigger order), enquiry on account balance and trading details.
Functions for checking real-time exchange rates, trend charts for buying/selling foreign exchange, via spot deals or orders (profit-making order, stop-loss order, two-way order).
(XI) Credit Card
Functions for credit card holders to check the balance in credit card, bonus points and transaction details, repay RMB overdraft, FX overdraft in own ICBC credit card. Also included is the function of making repayment to credit card by installment.
(XII) Fixed Deposit
Functions for depositing money as fixed deposit and enquiry.
(XIII) Call Deposit
A function for transferring the amount of the current savings sub-A/C in Elite Club A/C Card or Money Link Card as the call deposit, and checking the related details.
(XIV) Currency Exchange
A function for you to use counter-registered card to exchange foreign currency within the limit, or check the transaction details online.
(XV) ICBC Messenging
Functions for balance change alert and subscription, enquiry, update and cancellation of statement service.
(XVI) Customer Services
Functions for you to manage permissions, change password and report loss.
(XVII) Crude Oil
Functions for checking real-time prices of trading crude oil via accounts and trend charts. Use the functions to buy/sell crude oil via accounts for immediate delivery or placing orders (including profit-making order, stop-loss order, two-way order), check balance and account details. Also functions to manage the trading account.
(XVIII) Private Banking Services
A range of services for private banking customers to use iPad terminal for the following: talk with wealth consultants online, understand the assets held on hand, join the survey on the intention of buying exclusive products, view/accept invitation to exclusive private banking events, view market news.   

II. Target Clients
Personal customers holding Wise Gold Card, Money Link Card, Elite Club Card, Peony Credit Card or current savings passbook.

III. Features and Advantages
1. Exclusive services: Same styles of interfaces, flows and steps as in existing iPad and application software, familiar feel to iPad users.
2. Rich functions: iPad Banking offers 16 functions for you to seize every market opportunity to accumulate wealth, including My A/C, transfer/remittance, bill payment, fund, wealth management products.
3. Safe and reliable: ICBC e-password device or code card to help you protect the amount in your account.

IV. Application Conditions
1. You must be a holder of Wise Gold Card, Money Link Card, Elite Club Card, Peony Credit Card or current savings passbook.
2. Download and install the client software from app store. After installation, main menu will automatically generate the icon for ICBC iPad Banking.

V. Sign up
Self-service registration:
iPad Banking client: At the home page, click "Self-service Registration" and follow the instructions.
ICBC counter registration:
Apply in person at ICBC outlets using your identity document, bank card or current savings passbook, fill in ICBC Electronic Banking Registration Form for Personal Customers and complete the formalities. You can also apply for e-Banking code card or ICBC e-password device. One customer can only hold one code card or password device. In other words, if you use code card or password device for Internet Banking, use it for iPad Banking as well. 

Ⅵ. Considerations
1. Logon for the first time: At the iPad main interface, click the icon for ICBC Internet Banking client, go to logon webpage, enter the A/C No. and logon password, then click "Logon".
2. Logon not for the first time: At the logon webpage, choose one item (card No./A/C No./username) from the input box for fast logon. To use other card No./A/C for logon, click "Enter card No./A/C No./username" and enter again.

Responsibility Statement: The contents on this page are for reference only. The ultimate power of interpretation is under the Industrial and Commercial Bank of China Limited. For part of the contents, notice and specific regulations of local branches shall prevail.