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RMB Financial Product

I. Introduction 
RMB Financial product is a low-risk ICBC financial product targeting personal clients. It takes the investment return from high-rating RMB bond (T-bond, financial debt, Central Bank bill and other bonds) as guarantee and rewards clients with eventual return of principal and yield at maturity. 

You can enjoy services such as account opening and cancellation, financial product purchase, account inquiry, account setting, etc.

II. Target Client
Clients who have the demand for purchasing RMB financial products through Internet Banking.

III. Features
1. Register on ICBC Personal Internet Banking through the self-service of ICBC website, then you can enjoy services such as account opening and cancellation, financial product purchase, account inquiry, account setting, etc.;
2. All-day service, featured with high efficiency and convenience;
3. You do not have to go to ICBC branches.

IV. Application Condition
1. Clients of "Banking@Home" Personal Internet Banking;
2. Holders of registration cards such as Peony Money Link Card, Elite Club Card.

V. Service Channel and Time
"Banking@Home" Personal Internet Banking provides you with 7x24 hours round-the-clock services.

Ⅵ. Product Link
Purchase of Financial Products(Chinese Version)

Ⅶ. Considerations
1. Based on different types of financial products, the categories for client application for termination includes: Termination for default, exercise termination, early redemption and product sale. 
2. Termination for default refers to that within the period of contract breach termination, clients can unilaterally propose breach application, and the bank can pay or not pay the proceeds while charging liquidated damages.
3. Exercise termination refers to that within the period of exercise termination, clients can apply to terminate financial product on the day of exercise. Clients can receive proceeds without being charged the transaction fee.
4. Product sale (redemption) is targeted at products of bilateral pricing. Within the survival period, clients can sell their finance products according to the price on the current day, receiving principal and proceeds.
5. For products of open circulation, you can click the "Sell" button on the operation column to enter into the page of trading, and sell the products that can be purchased and sold at the sales price of the current day, receiving money in T+0 days. Upon the maturity of financial products, ICBC will automatically calculate principal and proceeds for you, with the money reaching your account in T+3 days.  
6. The time for financial product purchase is: 9:00am-17:00pm on each day within the product issuance period, including public holidays. The time for product sales is: 9:30am-15:00pm from Monday to Friday within the survival period (excluding public holidays).
7. For financial product purchase on Personal Internet Banking, common clients can choose the financial products under the following two categories of "Types of Purchase Clients": "General Clients" and "All Clients"; clients of Elite Club can choose the financial products under the categories of "Elite Club Clients" and "All Clients".
8. If you have opened a finance trading account but without signing up for Internet Banking, you need to register it on Personal Internet Banking. 
9. If you need to cancel your finance trading account, please confirm that all the financial product shares under this account are either sold or terminated upon maturity without effective finance trading commission.
10. You can inquire trading details of financial products within the span of one year.

Ⅷ. Definition
1. Finance trading account opening / cancellation. Clients can only open one finance trading account in one area. Account opening and cancellation is not limited by the trading time of finance products.
2. Product inquiry / purchase. Inquire the information of various financial products issued by ICBC, and deal with the purchases of finance products. Inquire holding shares / redemption. Inquire the shares of financial products you hold, transact the product redemption and application of early termination.
3. Trading detail inquiry. Inquire the current-day and historical trading details of all financial products.
4. Agreement adjustment and termination. Inquire, set, extend, suspend, or terminate all the signed "Financial Product Automatic Investment Service Agreement" and "Rollover Investment Finance Agreement". 
5. Trading withdrawal. Withdraw trading applications of finance product purchase and early termination submitted to Internet Banking on the current day but without becoming effective. 
6. Trading card (account) adjustment. Provide the function to change the capital account of financial product trading.
7. Modification of means of dividend. Provide the function of modifying the means of dividend for certain financial products.

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.