I. ICBC E-banking Code Card is a card printed with a matrix of character strings. Each character string matches a unique coordinate. While using E-banking services, cardholder inputs the matching character string as password following the coordinates specified by the system. System will check the accuracy of password characters. Each time, coordinates are designated by system in random so that password that customer uses is dynamically changed and cannot be predicted.

II. When applying for E-banking Code Card, if the cover film or the pattern on the cover film is incomplete or damaged, or the serial number of the card is not identical with what is printed on the application form, please change a new one on the spot.

III. E-banking Code Card should be kept in a safe place. Do not disclose the character strings to anyone. Otherwise, customer is liable for all consequences arising from the disclosure. Cover film of the card that covers the password character zone will all be eventually scratched. Scratched characters are easily marked down by others. Security of dynamic password will be affected. Hence, customer should adopt necessary measure to protect the password characters already scratched. Extra care should be taken to stop exposure of the characters when over half of the cover films on the card are scratched. Applying for a new one when all the cover films on the card are scratched.

IV. E-banking Code Card should be used within the amount of times set by ICBC announced at ICBC website. When the amount of times has been used up , or lost, damaged before being used up, please applying timely for a new one at ICBC business office. Customer held responsible for all consequences before applying for a new card.

V. In the event that led to the disclosure of the data on E-banking Code Card, ICBC has the right to void the card in order to make sure the money in customer's account is safe. ICBC should timely inform the customer in a proper way when the card has been cancelled and request customer to change a new card.

VI. Customer can logon ICBC website (www.icbc.com.cn) to check the details in the use of E-banking Code Card.