Oversea Chinese Banking Corporation OCBC Internet Banking

Oversea Chinese Banking Corporation OCBC Internet Banking, Overseas edition of Internet Banking refers to e-Banking services which ICBC, relying on its overseas branches, provides to clients, including account inquiry, transfer and remittance, bill payment, foreign exchange trading, and repayment of credit card debts.

II. Target Client
ICBC provides e-Banking services to personal clients and corporate clients of ICBC’s overseas branches.

III. Features
I. Easy application
The application procedures for the overseas edition of ICBC Internet Banking are simple. You can go to a service office of ICBC to register or log onto ICBC’s website to register by yourself.
II. Multiple functions
At present the overseas edition of ICBC Internet Banking has 11 major functions and over 60 sub-functions, including account inquiry, transfer and remittance, bill payment, foreign exchange trading, and repayment of credit card debts, which enable you to grasp market trends at any time and accumulate more wealth.
III. Safe and reliable
The overseas edition of ICBC Internet Banking sets strict restrictions on transfer of funds, and requires that all transaction settlement must be authorized and verified to complete. In addition, other means such as the E-banking Code Card and the USB-Shield are also adopted to protect the security of clients’ information and safety of clients’ capital.

IV. Application Condition
You need to provide your valid identity certification and accounts of the overseas branch of ICBC.

V. Sign up
Registration over the counter: You need to take your valid identity certification and bank card or current passbook to an ICBC banking outlet, and fill out the Application Form for ICBC E-banking Personal Account Registration to complete registration.

Ⅵ. Considerations:
1. You need to complete such real-time transactions as those concerning foreign exchanges in ten seconds.
2. You must authorize fund transfer first to transfer fund from your account.

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.

Personal Internet Banking
I. Introduction 
Personal Internet Banking, under the brand name of “Banking@Home”, is an internet banking channel that provides ICBC personal clients with online financial services, including account inquiry, transfer and remittance, investment and financing, and online payment. 

Personal Internet Banking provides you with brand-new internet banking services, including account inquiry, transfer and remittance, donation, Fund Investment, T-bond trade, gold trading, FX trade, financing products, bill payment and other function. 

II. Target Client
Personal clients of good credit reputation holding ICBC Wealth Card, Elite Club Account, ICBC Money Link Card, Peony Quasi Credit Card, and current deposit account opened in the local ICBC branch, can all apply to sign up for Personal Internet Banking.

III. Features
1. Safe and Reliable: a rigorous standard digital certification system that has passed the national security authentication. 
2. Strong Functions: multi-account management that facilitates you and your family financial management; personalized functions and alerts that showcase your special status; rich functions of financing that will become your best assistant. 
3. Convenient and fast service: 24 hours of online service that transcends time and space and saves your time and energy; account management with all details of transactions clearly displayed; fast and convenient intra-city transfer and inter-city remittance; fast and convenient online payment. 
4. Abundant Information: provides you with the inquiry of bank interest, FX rate and other information. It also provides you with detailed function introduction, operation guide, help document and demo programs so as to help you learn comprehensively about all the functions of the system. 

IV. Application Condition
You need to provide your valid ID card and a registered ICBC local bank card or passbook.

V. Sign up
1. Information to provide: “Application Form of ICBC E-Banking Personal Account Registration”. You must be aware of the “ICBC E-Banking Personal Client Service Agreement” on the back of the form. 
2. Application materials to submit: if you have a local account, you need to submit “Application Form of ICBC E-Banking Personal Account Registration”, your valid ID card, and registered bank card. 
3. If you do not have a local account, you need to submit: the corresponding application form of registered card, “Application Form of ICBC E-Banking Personal Account Registration”, and your valid ID card. 
4. You need to provide the corresponding medium if you bring your USB-Shield.

Ⅵ. Product Link
Personal Internet Banking—VIP Version: is an Internet Banking service promoted by ICBC under the current framework of banking system exclusively for the premium online clients of ICBC Personal Internet Banking. At the present, Personal Internet Banking—VIP Version consists of three classes: “member”, “Silver member” and “Golden member”.Ⅶ. Considerations
1. The type and number of the ID card for signing up ICBC Personal Internet Banking must be in accordance with the ID card used for applying the bank card. 
2. To guarantee your financial security, you must go to the counter to sign up for the function of external transfer. 
3. One client can only register for one time with one card for self-service registration. 
4. To change the password, your new password must consist of 6 to 30 (including 6 and 30) characters with a combination of letters and numbers. Please make sure to distinguish between capital and small letters. 
5. Clients who signed up for ICBC Personal Internet Banking through self-service or ICBC branch can cancel Internet Banking through self-service. You are not suggested to process any account opening transaction on the day of cancellation.

Ⅷ. Definition
Self-defined Internet Banking Page: refers to the function that provides you with customized Internet Banking page, including the customization of shortcut channel and personalized homepage, etc. 

Internet Banking Pre-Registration: refers to the service that is specially designed by ICBC for the clients who are unable to visit ICBC branches to process transactions such as account opening, Internet Bank registration and change due to certain reasons. In this case, ICBC’s client manager will visit the client to collect relevant information, and then apply bank card, register Internet Banking and make changes on behalf of the client. Upon completion, the client manager will give all the credentials and other mediums to the client. 

Internet Banking Reservation Service: refers to a personalized service that enables clients to submit to ICBC various kinds of reservation information through Personal Internet Banking, after which the bank will process the transactions required by the clients. It provides clients with reservation function of application, inquiry, modification and termination of financial services such as transfer and remittance, investment and financing, etc.

Ⅸ. Risks
1. After using Internet Banking each time, please click the “Secure Log Out” button on the up-right part of the page to terminate the use, and meanwhile remove the USB-Shield and keep it safely. 
2. When processing payment for online shopping, please do not open the remote assistance features of tools such as operating system, MSN and QQ. Please only confirm the payment after checking the payment sum and the order sum.
3. When you log on Internet Banking and process online payment, please be careful to avoid fraudulency of fake ICBC website. In order to help you identify fake website, ICBC provides you with anti-fishing website security control, which you can download and install.
4. If you use the business models of “USB-Shield + SMS Verification” or “E-Banking Code Card + SMS Verification”, please carefully check whether the SMS codes, payee account and trade amount is in accordance with the current transaction.

Information herein is for reference only. Refer to the announcements and regulations of local branches for further details.