I. Features

Clear: complete and understandable product information

Professional: financial manager offers consultation and recommendation on product contracting to the customers

Simple: only one application form is needed for applying for a wide range products at the same time

II. Contracting Service Process

III. Essential Points for Filling the “Personal Integrated Contracting Account Service Application Form”

1、If application for integrated contracting involves multiple products, you need only to fill in the “Integrated Contract Application Form”, no longer need to the original application form

2、Before choosing to sign contract, the customers are required to read and understand the agreement (contract), notes and descriptions related to the business

3、Customers should tick “√” before “yes” or “no” after each contracted business, no item is allowed to be neglected

4、“Emergency Contact” and “Telephone” must be filled in the basic information block when applying for “Double Gain” business

5、The application form is only a voucher proving customer applying for our business. Customer should read the “Business Acceptation Form” to check and confirm the contracting results

6、To ensure the accuracy of contracting information, no scribble or alteration is allowed in filling the application

7、For options of fixed package of Money Produces Money A, please refer to the “Manual for Integrated Contracting Customers”

IV. Introduction to the Contracting Products

1、Instant Account Information

A kind of value-added service offered to our customers, any capital changes of account will be informed via message, so that you can know about the updated information on your account instantly, offering maximum protection for the capital in your account.

2、“Money Produces Money B” Wealth Management

This wealth management account is one of our value-added services designed for the customers who own a considerable sum of idle capital (more than 50,000 yuan) in domestic or foreign currency. It realizes the perfect combination of liquidity and proceeds. Since the deposited date, for every 7 days (the shortest term is 1 day) interests are calculated according to the notice deposit interest rate of the corresponding currency, meanwhile the principal and interests as of the previous interest settlement date will be transferred to the next interest calculation term automatically for compound interest calculation. Withdrawal is allowed at any time, and our client needs not to worry about unnecessary interest loss.

3、“Money Produces Money A” Wealth Management

It is a kind of wealth management service offered by CMBC to its customers enabling multiple accounts on one card. It is an optimum combination of current account and lump-sum deposit and withdrawal. This service utilizes the advanced technologies of our bank to automatically shift the agreed percentage of deposited demand deposits into time deposits according to the package selected by the customer. It avoids repeated choosing between demand deposits and time deposits and the inconvenient operations, effectively raises the yield of deposits to achieve easy wealth management.

4、Personal Online Bank VIP Version

It is our online finance service for personal customers. It is secure and reliable, with a full range of functions. The contracted customers can log in the website of CMBC (WWW.CMBC.COM.CN). Through accessing our online bank system, without going outdoors you can enjoy the facilities of daily transfer, remittance, payment, investment and wealth management.

5、Easy Remittance

It is a remittance service offered to our clients between our bank and other banks with multiple channels and varieties. Our contracted customs can use Tele-bank (95568) self-aided audio and personal service to remit money into the account designated in contracting, or use Tele-bank personal service to remit money into account not designated; remittance service with fixed time and amount is supported.

6、Personal Foreign Exchange Trading

Our bank sets personal foreign exchange rate according to the rates on the international foreign exchange market, and entrusted by our personal customers we change one freely convertible foreign currency into another for them. At present, we deal with 8 foreign currencies: Euro (EUR), sterling pound (GBP), Australian dollar (AUD), US dollar (USD), Swiss franc (CHF), Canadian dollar (CAD), Hong Kong dollar (HKD), and Japanese yen (JPY).

US dollar, Euro, Japanese yen, , Canadian dollar, Swiss franc and Australia dollar

7、Double Gain

It is a loan product designed for our personal foreign exchange trading customers, who can apply for certain amount of RMB loans based on the capital in the foreign exchange account, and the foreign exchange deposits in the account within certain ratio are still available for foreign exchange trading, withdrawal and transfer and other transactions.

8、Open Fund

Open Fund (hereinafter referred to as the fund) has no fixed total amount for issuance, total fund units can be increased or decreased at any time, the investors can subscribe or redeem fund units at designated business place based on the quotation of fund. Approved by China Securities Regulatory Commission and the People’s Bank of China, entrust by the fund management companies, our bank offers the businesses of fund subscription, purchase and redemption, and so on.

9、Online Self-aided Loans Guaranteed by Personal Deposits

It is a kind of self-aided loan offered to our debit card customers. The contracted customers can deal with RMB loan granting, return, extension and re-borrowing through our online banking system as agreed in the contract with our bank, with the time deposits in RMB or foreign currency inside the debit card as a guarantee.

V. Frequently Asked Questions

1、Must I communicate with your financial manager before applying for integrated contracting account?

Because integrated contracting contains a variety of banking products with different features and functions. Only through fully understanding the products can you choose the most suitable contract portfolio. Therefore it is recommended that you consult our financial manager before signing contract.

2、When filling “Personal Integrated Contracting Account Service Application Form”, how should I deal with the products I don’t want?

In order to clarify the contracted service you apply and safeguard your benefits, please tick before the word “no” following the product you don’t want.

3、The product I want is not in the service range of integrated contracting service, how should I do?

The banking products in the integrated contracting form are those frequently used by our customers according to their preferences and financial needs. If you need contracting for other products, you can deal with it separately. It will not affect our service offered to you.

4、If I only choose one product, it is suitable for me to contract integrated account service?

If you only choose one product or service, you can also choose integrated contracting service, but you will not feel that the formalities are simplified. Therefore I suggest you to choose contracting for single products. If you value the consultation service related to the integrated contracting, no matter how many products you contract with us, you can always enjoy our consultation service.

5、If I want to change the chosen products or features in the future, should I bring the present agreement, contract or production introduction to the bank? Must I go to the branch where I opened these services or features to handle the change?

When dealing with changes or cancellation etc for 9 contracting products, you need only bring your identity card and the contracted debit card, except that foreign exchange trading and Double Gain are to be handled at the original branch, and that online self-aided loan business is required to handle at any branch in the same city, other businesses usually support handling at any branch across China. If involving special function alteration, you can consult our 24 hour hotline 95568 in advance.

6、Are the services or functions I opened through contracting applicable to all CMBC branches across China?

Yes. The services or functions I opened through contracting are applicable to all CMBC branches across China.