"Wealth Management Account" is a personalized, all-round and VIP-style new financial management product provided by China Industrial and Commercial Bank for VIP customers. This product is characterized by paperless and electronic, and is guaranteed by a technologically advanced, efficient, convenient, safe and reliable electronic system, which integrates many advanced technologies such as integrated account system, personal financial management system and customer relationship management system. Relying on our strong financial strength, rich financial products, convenient network resources and professional team of account managers, customers can manage financial assets and engage in financial activities more easily, get unprecedented VIP treatment, and enhance their self-confidence, nature and freedom of life.

I. All-inclusive account functions

The "wealth management account" has three account functions: deposit account, loan account and investment account, which can meet various wealth management needs of customers.

1. deposit accounts: deposit accounts include basic deposit account and general deposit accounts.

(1) basic deposit account

① basic deposit account is a current savings account with multiple currencies (RMB, USD, HK$, GBP, Euro, Japanese Yen, Swiss Franc, Canadian Dollar, Australian Dollar and Singapore Dollar), which has all the functions of a current savings account.

② when using the "wealth management account" card for ATM withdrawal, automatic deposit machine deposit, POS consumption, payment of annual fee of wealth management account and other service charges, all funds in basic deposit account are used for liquidation.

(2) General deposit accounts

① General deposit accounts include various types of savings deposit accounts opened by ICBC, such as current account, lump-sum deposit and withdrawal term, fixed deposit and withdrawal, deposit with interest and call deposit.

② besides RMB deposits, general deposit accounts can also handle up to nine kinds of foreign currency savings deposits, namely, US dollars, Hong Kong dollars, British pounds, euros, Japanese yen, Swiss francs, Canadian dollars, Australian dollars and Singapore dollars.

2. Loan account

(1) The loan account in the "wealth management account" can meet the needs of customers to apply for multiple personal loans in one account, and provide convenient and unified personal loan application, issuance, balance inquiry and loan repayment business functions.

(2) customers can apply to the bank at any time for various personal consumption loans that have been offered by the bank, including personal automobile consumption loans, personal comprehensive consumption loans, personal small short-term credit loans and personal pledge loans.

(3) When handling personal consumption loan business, the "wealth management account" customers can enjoy many VIP services, such as giving priority to handling, giving priority to examination and approval, and sending loan business statements as needed.

(4) customers of "wealth management account" can apply for loans from the Bank in the form of comprehensive credit. If customers have this loan form, they will enter the green and convenient loan channel of the Bank and enjoy various personal loan facilities.

3. investment accounts: the investment accounts in the "wealth management account" include fund accounts such as funds, bonds, gold and insurance, and related investment accounts, and customers can buy and sell related funds, bonds, gold and "bank-insurance" business.

customers can open new general deposit accounts, loan accounts and investment accounts in the "wealth management account", and they can also transfer such accounts already opened in the Bank to the "wealth management account" to enjoy the convenience of "one household for multiple purposes".

II. Convenient and clear reconciliation tool

The "wealth management account" is a new paperless and electronic account. In order to facilitate customers to know the changes of funds in this account, the Bank specially prepared the "Reconciliation Account Book of Wealth Management Account" and the "Comprehensive Monthly Statement of Wealth Management Account".

1. Account book

(1) VIP customers who are the "wealth management account" of the Bank will receive the "wealth management account account book" given by the Bank free of charge.

(2) customers can bring the "financial account reconciliation account book" to any business outlet of the Bank at any time to request printing, so as to keep abreast of the changes of funds in the account.

2. Comprehensive monthly statement

(1) "Comprehensive monthly statement of wealth management account" is a detailed, comprehensive and clear report on the fund status of "wealth management account", including: the balance of basic deposit account, personal deposits, personal loans, personal investments and other accounts in the "wealth management account", a detailed list of the amount incurred one by one, as well as the Bank's recent financial product recommendations and others.

(2) The customer can agree on the delivery method, time interval and delivery address of the Comprehensive Monthly Statement of Wealth Management Account, and can contact the account manager to flexibly change the above information according to actual needs. The Bank will deliver the Comprehensive Monthly Statement of Wealth Management Account to the customer accurately and timely.

iii. Practical and appropriate financial management agreement

The financial management services provided by ICBC for the "financial management account" customers include: scheduled cycle transfer, agreed amount transfer, interest-free overdraft of the "financial management account" card in basic deposit account on the same day, scheduled business, scheduled purchase of funds (bonds), provision of various financial information, interest rate and other risk change tips, and opening of credit certificates. Customers only need to fill in the Application Form for Financial Management Agreement at all financial outlets of the Bank and apply for related services, then they can sign the financial management agreement and obtain corresponding financial management services.

iv. VIP service with premium

With our "wealth management account", customers can enjoy the following special privileges and a series of premium services provided by us:

1. "One-on-one" wealth management consultant customer satisfaction is our eternal pursuit. The Bank provides one-on-one professional and unique personalized wealth management design and services for users of "wealth management account", and the account manager of the Bank will introduce various service channels and special products to customers. If the customer has any difficult problems in financial management, he can directly inform the account manager, who will wholeheartedly solve the problems for the customer.

2. tailor-made financial management plan: we will use unique, advanced and scientific professional financial management methods to analyze the asset responsibility of individuals or families in detail, accurately calculate financial revenues and expenditures, and provide customers with phased financial management plans to help customers better plan their lives and realize the maximum value of life.

3. Give priority to business: All customers with "wealth management account" are our VIP customers, and we will save our customers' precious time through dedicated service. The Bank has specially prepared VIP rooms or VIP windows for VIP customers, who can give priority to all kinds of business and enjoy superior financial management space.

4. Reduce and exempt various handling fees: customers of "wealth management account" can enjoy various over-value benefits provided by the Bank, such as reducing and exempting handling fees for transfer and remittance business, reporting the loss of various accounts, issuing deposit certificates and other measures.

5. Flexible and convenient wealth management gold card: Through the 24-hour self-service banking service of the Bank, you can use the "wealth management account" to deposit and withdraw funds and transfer funds flexibly, independently, conveniently and quickly at any time on various self-service devices provided by the Bank.

6. Travel around China easily: The "wealth management account" is a VIP card issued by the Bank in a unified way throughout the country. No matter where the customer opens the "wealth management account", he can enjoy the unified VIP treatment of the "wealth management account" of China Industrial and Commercial Bank at the local branch, showing his dignity.

5. Electronic service beyond time and space: customers can call our financial service hotline "95588" to log in to our telephone banking system and handle various financial services by self-help or guidance of business representatives; Or log in to the bank's online banking system through computers and mobile phones with internet access to handle various financial services.

6. All-weather self-service:

1. The Bank's ATMs can provide customers with various services such as withdrawing money from basic deposit account, transferring money from basic deposit account to general current account and credit card account.

2. Customers can query all kinds of account information, account balance and account transaction details in the "wealth management account" through the bank's multimedia terminal, which can better handle the self-service issuance and return of personal pledged loans in the "wealth management account", realize the real-time issuance of personal loans, and query loan return information and other services.

3. through the bank's automatic deposit machine, customers can avoid the inconvenience of having to deposit money during the bank's business hours, and easily use the automatic deposit machine (in a 24-hour self-service bank) at any time to deposit money into the "wealth management account".

Attachment: preferential standard of "wealth management account" (implemented on December 1, 22)

General customer charging standard of the project "wealth management account" Customer charging standard loss reporting fee 1 yuan/free off-site collection fee .8% of the collection amount, free remittance through train 1%, Up to 5% discount for each 5 yuan traveler's check business, .2% free deposit certificate fee, 2 yuan/free entrusted deposit rollover, 2 yuan/free financial proposal, 2 yuan/1 yuan/comprehensive monthly statement, mailed to 5 yuan/times according to customer's needs, free deposit for opening peony credit card and peony international card, basic deposit account can provide all kinds of new financial products (government bonds, funds, etc.) with interest-free overdraft on the same day to provide financial information consulting services

Important note:

2. in case of adjustment of the charging standard, we will inform you in time and implement the new charging standard.

3. The preferential service of "wealth management account" is the exclusive right of VIP customers. If your average daily deposit and loan balance within one year can't keep the minimum standard when opening an account, we will charge the annual account service fee (3 yuan/year) according to the standard.