Bank of China Online Banking has a financial management version and an inquiry version. The inquiry version can be activated for free without annual fee. If you activate Bank of China Online Banking now, you will receive a dynamic password token for free. The annual fee is waived for the first year, and 20 yuan will be deducted every year thereafter. The annual fee is 60 yuan each, and the password needs to be replaced every three years. Those under the age of 18 cannot open a settlement account, and minors cannot open a card. If you are over 18 years old, you only need to bring your ID card to any branch of Bank of China to apply.

The following are: Bank of China Co., Ltd. Online Banking Service Business Rules

2010-04-05

Personal Services Corporate Services

Business Rules for Online Banking Personal Services of Bank of China Co., Ltd.

(BOCNET)

Article 1. To open a personal account at a Bank of China branch, you can register through online self-service or at the business counter To activate personal online banking services of Bank of China, all customers who register for personal online banking services should handle online banking services in accordance with these business rules.

Article 2 Bank of China’s online banking personal services provide inquiry version, financial management version and VIP version services. The inquiry version service can only conduct account inquiries and cannot conduct transfers, remittances, investments, and payments. The service functions provided to customers by the financial management version and the VIP version include: account inquiry, transfer and remittance, credit card, foreign exchange trading, treasury bond trading, fund trading, gold trading, B-share bank-securities transfer, third-party custody, bank futures transfer, Bank of China Financial management plans, structured financial management, small-amount foreign exchange settlement and sales, online payment and bill payment, etc. Bank of China will provide different service functions based on the services applied for by customers and the identity authentication methods, and Bank of China Online Banking will continue to upgrade to provide different service products to meet customers' changing financial service needs. Customers who register through online self-service can only use the personal service of the online banking inquiry version of Bank of China. Customers who register as the VIP version of our online banking personal service are our BOC Wealth Management, Wealth Management and Private Banking VIP customers. Customers can go to the counter with their identity documents to upgrade the online banking service version.

Article 3 Bank of China’s online banking personal services provide 24-hour service, but each specific service item should be handled within the opening hours of the corresponding system.

Article 4 Customers who use Bank of China’s online banking personal services should pay attention to the following when using online banking for the first time:

1. Those who apply for online banking personal services through counter registration shall be subject to After logging in with the "Online Banking Login Username" printed on the service receipt printed by the bank, the customer must set his own online banking username (6-20 digit username containing numbers and letters); if he applies for online banking services through self-service registration , set your online banking username during the registration process. Once set, the username cannot be changed.

2. If you apply for online banking personal services through counter registration, you must change the 6-digit password set during counter registration to a login password that meets the requirements of the user security mechanism of Bank of China's online banking (8- 20-digit password containing numbers and letters). Customers can change their login password online as needed or as required by security instructions.

3. Customers should promptly set up online banking reservation information to effectively identify fake websites.

Article 5 If the customer’s account that has opened online banking services has a phone banking associated account, it will automatically become an online banking associated account; if the customer needs to cancel the online banking association of the account, he or she can log in to Bank of China Online The bank conducts self-service cancellation.

Article 6 Customers may choose to apply for an online banking authentication tool according to their needs. Customers who have applied for the authentication tool must use the authentication tool, customer user name and login password to log in to the online banking system when entering the online banking system.

Article 7 The online banking identity authentication tools used by individual customers are independent of each other (that is, cannot be used independently) from the online banking identity authentication tools used by corporate customer operators.

Article 8 Customers using Bank of China’s online banking services should ensure the security and confidentiality of the passwords and identity authentication tools they use. For example, including but not limited to:

1. The password I use is not allowed to be written in plain text or disclosed in any way;

2. The password I use is not allowed to be disclosed to China Anyone, including bank employees, discloses the password (the bank’s employees cannot and do not need to know the customer’s password when providing all online banking related services to customers);

3. Destroy the password envelope promptly after using the online banking service for the first time or Other notifications about passwords;

4. Avoid using passwords that are easy for others to guess and crack (for example, using information related to personal information such as birthdays, phone numbers, or regular combinations of numbers or letters; ) or passwords associated with third parties (e.g. using the same password as your email password);

5. Passwords must not be recorded on any software that automatically retains passwords (e.g. on any computer screen "Save password" function prompt window or similar function on the Internet browser);

6. Change your password regularly or irregularly, and try not to rotate between two sets of passwords;

7. Avoid sending your online banking account number and password via SMS or email.

Article 9 If the customer's login username and password are incorrect five times in a row on the same day, Bank of China will temporarily lock the customer's online banking transaction qualifications for that day, and the system will be unlocked the next day or the bank will authenticate the customer's identity and unlock it on the same day; if the user If the name and password have not passed the verification for 15 consecutive times or the dynamic password has been incorrect for 10 consecutive times, Bank of China will suspend the customer's online banking transaction qualification. Customers need to bring their valid ID and locked authentication tool to the counter of the customer's account bank to reset the password. Set up, unlock or request new authentication tools. During the period of suspension of online banking transaction qualifications, customers' counter services will not be affected.

Article 10 If the customer identity authentication method is different, the unified limit set by the system will be different. Customers can set their own transaction limits lower than the system's unified limit through the online banking service function.

The current system unified limits (RMB) are as follows:

Online Banking Personal Financial Management Version Customer Service Scope and Limit Settings

Transaction Name Authentication Tool Single Maximum Daily Accumulation Limit

The dynamic password for transfers from associated accounts is e-Token 10,000,000 (yuan) 100,000,000 (yuan)

The dynamic password for transfers and remittances within Bank of China is e-Token 5,000,000 (yuan) 50,000,000 (yuan)

Inter-bank transfer and remittance dynamic password e-Token 2,000,000 (yuan) 5,000,000 (yuan)

Personal time deposit dynamic password e-Token 50,000,000 (yuan) 100,000,000 (yuan)

Related on behalf of payment Transaction dynamic password e-Token 400,000 (yuan) 400,000 (yuan)

Forex transaction dynamic password e-Token 50,000,000 (yuan) -

Gold trading dynamic password e-Token 50,000,000 (yuan) ) -

Fund trading dynamic password e-Token 50,000,000 (yuan) -

Book-keeping treasury bond trading dynamic password e-Token 50,000,000 (yuan) -

Third-party custody transaction dynamic password e-Token 50,000,000 (yuan) -

B-share bank-securities transfer dynamic password e-Token 50,000,000 (yuan) -

Bank-futures transfer dynamic password e -Token 50,000,000 (yuan) 2,000,000,000 (yuan)

Online payment dynamic password e-Token 50,000 (yuan) 100,000 (yuan)

BOC Financial Management Plan dynamic password e-Token 50,000,000 (yuan) ) -

Structural financial management dynamic password e-Token 50,000,000 (yuan) -

*Small-amount foreign exchange settlement and sales dynamic password e-Token 350,000 (yuan) 350,000 (yuan)

Online Banking Personal VIP Version Customer Service Scope and Limit Setting

Transaction Name Authentication Tool Single Transaction Maximum Daily Accumulation

Associated Account Transfer Dynamic Password e-Token 100,000,000 (yuan) 1000,000,000 (yuan)

Dynamic password e-Token for intra-bank transfer and remittance 50,000,000 (yuan) 500,000,000 (yuan)

Dynamic password e-Token for inter-bank transfer and remittance 10,000,000 (yuan) 50,000,000 (yuan)

Personal time deposit dynamic password e-Token 100,000,000 (yuan) 1000,000,000 (yuan)

Dynamic password e-Token for fee payment related transactions 400, 000 (yuan) 400,000 (yuan)

Forex trading dynamic password e-Token 100,000,000 (yuan) -

Gold trading dynamic password e-Token 100,000,000 (yuan) -

Fund transaction dynamic password e-Token 100,000,000 (yuan) -

Book-keeping treasury bond transaction dynamic password e-Token 100,000,000 (yuan) -

Third-party custody transaction dynamics Password e-Token 100,000,000 (yuan) -

B-share bank-securities transfer dynamic password e-Token 100,000,000 (yuan) -

Bank-futures transfer dynamic password e-Token 100,000,000 (yuan) 2,000,000,000 (yuan)

Online payment dynamic password e-Token 50,000 (yuan) 100,000 (yuan)

BOC Financial Management Plan dynamic password e-Token 100,000,000 (yuan) -

Structured financial management dynamic password e-Token 100,000,000 (yuan) -

*Small-amount foreign exchange settlement and sales dynamic password e-Token 350,000 (yuan) 350,000 (yuan)

Note :

1. The transfer transaction limit of Great Wall Credit Card is controlled by the limit of its card issuance system. Currently, the single and daily cumulative maximum transfer limit of the card issuance system is RMB 500,000.

2. Online payment limits will be set separately according to different merchants and card types (debit cards, Great Wall cards, Bank of China cards, etc.) under the above limits. Details are subject to relevant merchant announcements.

3. The limits for transactions related to fee payment will be set separately under the above limits according to the types of fee payment opened by different branches. For details, please refer to the local branch announcement or system prompt.

4. Different futures companies have different limits on the amount of futures transfer transactions for customers. The specific regulations of the futures company shall prevail.

5. The small-amount foreign exchange settlement and sales business limit is set based on a fixed exchange rate of 1 U.S. dollar to 7 RMB. This limit is for reference only. The actual amount that can be transacted will be controlled according to the State Administration of Foreign Exchange’s annual quota equivalent to 50,000 U.S. dollars per person.

Article 11 Customers should ensure that they log in to the correct Bank of China website address ( ), try to enter the website address directly or add the website address to the browser’s “favorites”, and avoid entering the website address via email or other super Link to indirectly access the Bank of China website. Bank of China provides customers with reserved information verification services to help customers effectively identify fake websites. It is recommended that customers set up reserved information in time when using online banking services for the first time, and do not disclose it to anyone else except for business use at Bank of China. , other websites, phone calls or SMS inquiries provide reserved information content.

Article 12 Customers should ensure the security of computers using online banking services and information stored in computer systems and communication systems. Download and install controls provided by Bank of China to protect client security, regularly download and install the latest operating system and browser security programs or patches, install firewalls, install and timely update anti-virus software, etc.

Article 13 Customers who use Bank of China’s online banking services shall pay corresponding service fees in accordance with the relevant charging standards established by Party B. Unless otherwise agreed, the account for deducting annual online banking service fees and other fees is the customer's registered online banking account, and the account for deducting funds transfer and remittance is the customer's transfer account.

Article 14 Customers’ application for online banking B-share bank-securities transfer, third-party custody, bank futures transfer and other investment service functions should be based on the opening of the corresponding investment service function at the counter. When customers operate specific functions such as foreign exchange trading, treasury bond trading, gold trading, third-party custody, bank futures transfers, and small-amount foreign exchange settlement and sales through online banking channels, they must comply with foreign exchange transactions, gold transactions, treasury bond transactions, securities transactions, and futures transactions. , the corresponding transaction rules and business regulations formulated by the small-amount foreign exchange settlement and sales management agency, and when using this transaction for the first time, sign the relevant supplementary agreement online with Bank of China and confirm it through a dynamic password.

Article 15 Bank of China will make an announcement in advance before upgrading its website or online banking services, please pay attention to it. If the online banking service upgrade requires service interruption, or if Bank of China is unable to provide online banking services due to force majeure or other abnormal factors, customers are advised to use Bank of China's other channel services, such as counter services, telephone banking, etc.

Article 16: Bank of China is responsible for the interpretation and modification of these business rules.