☆ Introduction
"Rollover" Account Services refer to the service of effective cash and investment management by associating the customer's current savings deposit with low-risk funds such as the money market and short-term debts. On the one hand, the "Rollover" service realizes incremental value of idle funds by automatically utilizing customer's current savings accounts to subscribe for money market funds or short-term debt funds specified by the customer under expectations of higher income than the interest of current savings. On the other, when the customer's current savings account is in need of cash, "Rollover" account services can automatically redeem the funds to allow timely use of money, which provides convenient cash management for the customer.

☆ Functional Diagram
After opening a fund trading account and a TA account of Planned Fund Investment at ICBC, through the Fund Trading Card (local Elite Club Account Card or ICBC Money Link Card), customers can sign the "Rollover" Account Agreement to associate the Personal Settlement Account with the Fund Account to enable cash and investment management, as shown in the diagram below (direction of funds flow is indicated by arrows)

1. Customers can specify the settings of "Balance for Subscription" and "Balance for Redemption" of their "Rollover" accounts for determining the initiation of application for subscription and redemption. When the available balance in "Rollover" account is greater than the "Balance for Subscription", the excess amount will be transferred into the funds account for reservation and will be used to buy the specified funds on the next (working) day. When the available balance in "Rollover" account is lower than the "Balance for Redemption", application for redemption will be initiated, and the shares (counted at 1 Yuan of Fund Net Asset Value per unit) to redeem will make up to the "Balance for Subscription".
2. To realize higher yield from idle money in current savings accounts, customers can sign for the Agreement Transfer Account (up to four accounts) when entering for the "Rollover" Account. Customers can respectively set the "Minimum Balance Retainable" of Agreement Transfer Accounts 1 to 4. When balance in the agreement accounts is greater than the "Minimum Balance Retainable", the excess amount will be transferred into the "Rollover" account to trigger subscription.
3. The "Rollover" Account and Agreement Accounts 1 to 4 are all current savings accounts. A customer can designate any current accounts under his/her name to be a "Rollover" Account or Agreement Accounts.
For instance, main income accounts such as salary accounts can be set as the "Rollover" Account; main payment accounts such as housing loan, water and electricity as Agreement Account 1 and the daily expenditure account as Agreement Account 2.
Balance for Subscription and Balance for Redemption in the main income account can be set to RMB 2000 and RMB 1000 respectively. When the balance in the main income account is greater than RMB 2000, excess amount will be transferred to buy specified funds on the next (working) day. And the fund shares will be redeemed to make up the balance to RMB 2000, if the balance in the main income account falls lower than RMB 1000. If the customer sets the monthly payment for housing loan, water and electricity bill (RMB 2500, for example) as the minimum retainable balance for the main payment Account 1, the excess amount of the balance will be automatically transferred into the main income account. And if the customer sets the minimum retainable balance in the expenditure payment Account 2 as RMB 1000, the amount of balance exceeding RMB 1000 will be automatically transferred into the main income account.

☆ Advantages
1. Automatic cash management. Through its system, "Rollover" account services automatically aggregate idle funds, meets customers' needs of cash service on a daily level, and realizes effective and convenient cash management.
2. Higher yield. "Rollover" account services automatically subscribe for funds of the money market or short-term debts with idle funds, with the estimated yield which is higher than that from current savings deposit.
3. Diversified investment choices. Customers can invest in various money market funds or short-term debt funds by signing a number of "Rollover" Account Services Agreements, which can satisfy the diversified needs of customers.
4. Effective tax avoidance. Since income from personal investment in fund is exempted from tax, with idle money in current savings account to invest in money market funds and short-term debt funds can in a way avoid the interest tax.

☆ List of Fund Products
ICBC Credit Suisse Money Market Fund (Fund Code: 482002)
Huaan Cash Fuli Investment Fund (Fund Code: 040003)
China Southern Cash Profit Growth Fund (Fund Code: 202301)
Lion Money Market Securities Investment Fund (Fund Code: 320002)
GF Money Market Fund (Fund Code: 270004)
BOC International Money Market Securities Investment Fund (Fund Code: 163802)
CCB Principal Money Market Fund (Fund Code: 530002)
Boshi Steady Value (Fund Code: 050006)
China Southern Multi-interests Short-term Bonds Investment Fund (Fund Code: 202102)

☆ Service Channel
Please go to fund agency outlets of ICBC or log on the ICBC Internet Banking to process the "Rollover" Account Services.

☆ Operation Guide
1. Customers applying for "Rollover" Account Services must open the Fund Trading Account at ICBC and the TA account that has specified fund products for purchase.
2. When applying for "Rollover" Account Services, the customer needs to specify a current settlement account (in RMB) opened at an ICBC banking outlets in the same city as the "Rollover" account. One "Rollover" account can be applied for every signed "Rollover" Account Agreement; however, the customer should not specify a "Rollover" account the same as the fund trading account opened at an intra-city banking outlet of ICBC.
3. Customers can choose to specify Agreement Transfer Accounts for "Rollover" Account Services when needed. If an "Agreement Transfer" account is chosen to be opened, the customer should specify the settings when signing for the "Rollover" Account, so as to realize funds transfer between the "Rollover" account and the "Agreement Transfer" account.
(1) "Agreement Transfer" accounts must be current settlement accounts (in RMB) opened by the customer at an intra-city ICBC banking outlet. In the setting of the "Agreement Transfer" account, the customer must present his/her own Elite Club Account Card (ICBC Money Link Card or passbook of current deposit) associated with the "Agreement Transfer" account. One "Rollover" account can have a maximum of four "Agreement Transfer" accounts.
(2) When the available balance in the "Agreement Transfer" account exceeds the minimum retainable amount, system will automatically transfer the excess amount in to the "Rollover" account.
4. When signing the "Rollover" Account Agreement, the customers must present his/her own valid identity document, passbook or bank card (Elite Club Account Card, ICBC Money Link Card opened at an intra-city ICBC banking outlet under his/her own name) associated with the "Rollover" account and Fund Trading Card (Elite Club Account Card, ICBC Money Link Card opened at an intra-city ICBC banking outlet under his/her own name).
5. Customers need to set the "Balance for Subscription" and "Balance for Redemption" in opening "Rollover" account services at ICBC. When the balance in "Rollover" account is greater than the "Balance for Subscription", system will automatically utilize the excess amount for fund subscription. When the balance in "Rollover" account is lower than the "Balance for Redemption", fund redemption will be initiated to make up the balance to the "Balance for Subscription". After the signing of the "Rollover" Account Agreement between the customer and ICBC, the bank will process the automatic subscription and automatic redemption services for customer on the next day (must be a business day for the fund product).
6. Termination of "Rollover" account services can be applied with the Fund Trading Account Card, the customer's own identity document and a filled-in "Rollover" Account Services Form, at the ICBC outlet where the agreement was signed. After ICBC completes the relevant procedures, the system will cancel the "Rollover" account for the customer, and the relationship between the customer and ICBC in the wealth management service will be terminated.

☆ Helpful Tips
1. "Rollover" Account Services are only limited to Personal Customer (individual who has full civil capacity).
2. The customer can sign a number of "Rollover" Account Services Agreements with ICBC. However, "Rollover" accounts and "Agreement Transfer" accounts that have already been signed cannot be signed repeatedly.
3. Funds subscribed through "Rollover" accounts must be selected from ICBC-approved open-ended funds. One "Rollover" Account Services Agreement can only select one open-ended fund product.
4. Funds automatically subscribed or redeemed through "Rollover" account services follow the principles of trading open-ended funds, that of "unknown prices" and "subscribing by amount, redeeming in shares", and is the same as regular business of fund subscription. Customers are also entitled to bonus and other rights, and they can choose the distribution either by keeping the default means or applying for change. Money Market Fund, Short-term Debt Fund specified in "Rollover" account services are fund shares which should be automatically redeemed at 1 Yuan of Fund Net Asset Value per unit.
5. ICBC does not participate in the analysis and selection of investment. Customers are solely responsible for their gains or losses in fund investment.
6. Customers who subscribe or redeem funds through "Rollover" account services must abide by the Fund Contract of each fund and the latest Business Bulletin released by the managers. Customers must read carefully the Fund Contract, Product Instruction and the latest Business Bulletin released by the fund manager, so as to understand the relevant rules and regulations (including but not limited to minimum amount of subscription, minimum amount of redemption, minimum trading unit, etc.). And customers should be aware of the risk notice and the latest released announcement of each fund.
7. If the "Rollover" Account (Elite Club Account Card, ICBC Money Link Card or passbook of current deposit) specified by the customer is lost or damaged, he/she can apply at the banking institution for a new card (passbook) according to ICBC's relevant regulations, and ICBC will issue a new card (passbook) to replace the Elite Club Account Card, ICBC Money Link Card or passbook of current deposit corresponding with the "Rollover" agreement. The termination of the agreement should be processed with the new card (passbook) and this agreement. If this agreement is lost or damaged, the customer can apply for re-issue to ICBC. ICBC is not liable for inability to make automatic subscription or redemption if the "Rollover" account is reported to be lost, locked-up, cancelled or fund shares in the customer's TA account is not enough.
8. If the "Agreement Transfer" Account (Elite Club Account Card, ICBC Money Link Card or passbook of current deposit) specified by the customer is lost or damaged, he/she can apply at the banking institution for a new card (passbook) according to ICBC's relevant regulations, and ICBC will issue a new card (passbook) to replace the Elite Club Account Card, ICBC Money Link Card or passbook of current deposit associated with the "Agreement Transfer" account. ICBC is not liable for the inability to provide services if the "Agreement Transfer" account is cancelled, the status of the account is abnormal (reported to be lost, locked-up) or the balance is insufficient.