List of Peony Card Types of Industrial and Commercial Bank of China Saturday, April 25, 2009 at 08:23 pm Industrial and Commercial Bank of China 1. Peony Money Link Card (Debit Card) Handling Fee: Withdrawal - Peony Money Link Card for local cash withdrawals No handling fee is required. When withdrawing cash in another place, you must pay a handling fee of 0.5% of the cash withdrawal amount, with a minimum of 2 yuan. Cardholders who wish to withdraw more than RMB 50,000 in cash must present a valid ID, and cardholders who wish to withdraw cash in excess of RMB 100,000 must notify the handling bank one day in advance. Deposit - Peony Money Link Card off-site deposit handling fee is 0.5% of the deposit amount, with a maximum of 500 yuan and a minimum of 2 yuan. The handling fee is charged by the local handling bank. Function: Peony Money Link Card has functions such as deposits, withdrawals, transfer settlement, etc. 1. Deposit: Cardholders can make deposits themselves or entrust others to make deposits at local or remote card issuers or local online savings banks, and receive interest on current savings deposits. 2. Withdraw money: Cardholders can withdraw money from local or remote card issuers, online savings banks and local automated teller machines (ATMs) with their card and password. 3. Transfer and settlement: After shopping at a special unit, the cardholder can transfer and settle at the point-of-sale terminal (POS) with the card and password. In addition, you can also handle transfers between related accounts through ATMs with your card and password. 4. Balance inquiry: Cardholders can check their balance at local ATMs with their card and password. 5. Change password: Cardholders can change their password to a new one at a local ATM with their card and existing password. 2. Peony Smart Card (Debit Card) Functions: 1. Peony Smart Card is the country’s first RMB debit card issued with the approval of the Head Office of the People’s Bank of China, used within China, using a chip (IC) as the information carrier, and complies with the financial IC card standard. 2. Unlike ordinary Peony cards that use magnetic stripes as carrier materials, the Peony smart card has an integrated circuit module device on the card, which has strong data storage and transmission capabilities and high security and confidentiality. 3. Peony smart card can be used at POS and ATM dedicated for IC cards to realize instant transfer of funds; it can also be operated offline on card reading terminals dedicated for smart cards. It does not require high communication network and is easy to use. 4. The Peony smart card has multiple functions. You can use the electronic wallet function to pay as conveniently and quickly as cash; you can also use the prepayment function to limit consumption in designated places. 5. Peony smart card uses high-tech CPU chips and has good expansion capabilities, which can adapt to market demand and add various special functions. Mudan transportation card, Mudan gas card, Mudan medical insurance card... are all products of the combination of Mudan smart card and specific industries and markets. 3. Peony Special Card (Debit Card) Function: 1. Peony Special Card can only be used in specific areas and designated industries. It cannot be used nationwide. It has a single function and a relatively fixed scope of use. 2. Payment must be made with the Peony special card under the condition of online real-time debit. 3. Peony special card is a credit settlement tool provided based on market demand for customers who frequently settle in certain industries. The settlement is flexible and simple, and is very suitable for carrying out collection and payment services such as collecting utility bills. It is beneficial to customers in their own business. Expand transfer settlement in special industries into a systematic system. At present, more than 30 industries across the country carry out collection and payment services through Peony special cards. Remarks and explanation: The Peony special card is a Peony card issued by the Industrial and Commercial Bank of China that is used in designated areas and specific industries and has special purposes. Special purpose refers to uses other than department stores, catering, restaurants, and entertainment industries. 4. Peony Color Photo Card (Debit Card) Functions: 1. The card design of the Peony Color Photo Card is exactly the same as the general Peony Card, and the cardholder’s color photo, name and ID number are printed on the back. 2. Compared with ordinary Peony cards, special institutions and designated savings banks do not need to verify the cardholder's identity document when accepting color photo cards, which is more convenient. The issuance of the Peony Color Photo Card is conducive to reducing the business risks of the Peony Card and enhancing the market service function. 5. Peony co-branded (recognized) card functions: 1. The scope of use of the Peony co-branded card is the same as that of the ordinary Peony card. The "should be" Peony co-branded (recognized) card is subject to the regulations of the attached Peony card, and its scope of use is the same as that of the attached Peony card. . 2. For Peony co-branded credit cards, the gold card enjoys a higher discount rate than the ordinary card. 3. The card design of the co-branded card is based on the ordinary Peony card, with the co-branded company’s color logo printed on the front and card usage instructions approved by both parties on the back.

4. For cardholders, holding a Peony co-branded card can enjoy more high-quality and affordable services provided by banks and enterprises. 6. Peony Credit Card (Credit Card - Gold Card) Reserve amount: 160 yuan Maximum overdraft amount: 10,000 yuan. Overdraft period: 60 days. Handling fee: Cash deposit - Cardholders use the Peony Card to make local deposits without paying handling fees. The off-site deposit handling fee of Peony Credit Card is 1% of the deposit amount, with a minimum charge of 1 yuan and a maximum charge of 10 yuan. Cash Withdrawal - Cardholders must present their identity documents when withdrawing cash from the card-issuing bank. There is no handling fee for withdrawing cash locally, and a 1% handling fee is required for withdrawing cash in other places. Late fee: Overdraft amount - the amount of overdraft that exceeds the credit limit. When this item is greater than 0, an over-cash fee of 5% of the over-cash amount is required, with a minimum of 5 yuan or 5 US dollars. Over-cash fee – The minimum amount that must be repaid before the payment due date, otherwise a late fee will be charged. The late payment fee is 5% of the minimum payment amount, with a minimum of 1 yuan or 1 US dollar. Function: Peony Credit Card has functions such as transfer settlement, cash deposits and withdrawals, and consumer credit. 1. Transfer settlement: After the cardholder makes a purchase at a special unit, he or she can pay with the Peony credit card or make an electronic transfer through a point-of-sale terminal (POS); the cards can also be transferred conveniently through ATM machines and other methods; in addition, holders Peony Credit Card can also handle transfer settlements with non-specialized entities, and it also has the advantages of convenience and flexibility in the field of production and circulation. 2. Cash deposits and withdrawals: Cardholders or principals can deposit cash into the Peony Credit Card account at the designated savings bank of ICBC or through an automated teller machine (ATM). Withdraw cash from designated savings banks and ATMs in cities where ICBC offers Peony Card business. Deposits can be deposited and redeemed and current interest will be calculated. 3. Consumer credit: When cardholders encounter a temporary insufficient balance in their Peony Credit Card accounts, ICBC can provide them with short-term credit borrowing services and allow them to have small, short-term overdrafts. The overdraft limit for gold cards is 5,000 yuan, and the overdraft limit for ordinary cards is 1,000 yuan. The overdraft period is up to 60 days. 7. Peony Credit Card (Credit Card - Ordinary Card) Reserve amount: 0 yuan; Maximum overdraft amount: 5,000 yuan; Overdraft period: 60 days Handling fee: Cash deposit - Cardholders use Peony Card to deposit locally, no need Pay the handling fee. The off-site deposit handling fee of Peony Credit Card is 1% of the deposit amount, with a minimum charge of 1 yuan and a maximum charge of 10 yuan. Cash Withdrawal - Cardholders must present their identity documents when withdrawing cash from the card-issuing bank. There is no handling fee for withdrawing cash locally, and a 1% handling fee is required for withdrawing cash in other places. Late fee: Overdraft amount - the amount of overdraft that exceeds the credit limit. When this item is greater than 0, an over-cash fee of 5% of the over-cash amount is required, with a minimum of 5 yuan or 5 US dollars. Over-cash fee – The minimum amount that must be repaid before the payment due date, otherwise a late fee will be charged. The late payment fee is 5% of the minimum payment amount, with a minimum of 1 yuan or 1 US dollar. Function: Peony Credit Card has functions such as transfer settlement, cash deposits and withdrawals, and consumer credit. 1. Transfer settlement: After the cardholder makes a purchase at a special unit, he or she can make payment with a Peony credit card or make an electronic transfer through a point-of-sale terminal (POS); the cards can also be transferred conveniently through ATM machines and other methods; in addition, holders Peony Credit Card can also handle transfer settlements with non-specialized entities, and it also has the advantages of convenience and flexibility in the field of production and circulation. 2. Cash deposits and withdrawals: The cardholder or the client can deposit cash into the Peony Credit Card account at a designated savings bank of ICBC or through an automated teller machine (ATM). Withdraw cash from designated savings banks and ATMs in cities where ICBC offers Peony Card business. Deposits can be deposited and redeemed and current interest will be calculated. 3. Consumer credit: When the cardholder's Peony Credit Card account balance is temporarily insufficient, ICBC can provide him with short-term credit borrowing services and allow him to have a small amount of short-term overdraft. The overdraft limit for gold cards is 5,000 yuan, and the overdraft limit for ordinary cards is 1,000 yuan. The overdraft period is up to 60 days. 8. Peony International Card (Credit Card - Gold Card) Function: Peony International Card has the main functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Application conditions: 1. Personal card: 18 years of age or older (inclusive), with full capacity for civil conduct; The work unit is in the location of the card issuer, the career is stable, and there is legal income; The monthly income is above the local average level; Received from the Industrial and Commercial Bank of China A certain amount of foreign exchange deposit; Any individual who meets the above conditions can apply for the Peony International Card at any branch of ICBC.

2. Commercial card: Have an account opening license issued by the People's Bank of China; have the office address and basic bank deposit account at the location of the card issuer; have legal person qualifications or be authorized by the legal person, and be legally registered with the relevant departments. Other economic organizations must be registered with relevant departments. Open a foreign exchange account in China. 9. Peony International Card (Credit Card - Ordinary Card) Handling Fee: There is no off-site deposit handling fee for the Peony International Card. When withdrawing cash from the savings bank of ICBC with the Peony International Card, you must present your identity document when withdrawing cash. The cash withdrawal fee will be deducted directly from the cardholder's account by the card issuer. Commercial cards are not allowed to withdraw cash within the country. Cardholders abroad can withdraw local currency at ATMs with the VISA or MasterCard logo (pictured). The cash withdrawal fee is 1% of the cash withdrawal amount, with a minimum charge of 3 yuan or 3 US dollars. Late fee: Overdraft amount - the amount of overdraft that exceeds the credit limit. When this item is greater than 0, an over-cash fee of 5% of the over-cash amount is required, with a minimum of 5 yuan or 5 US dollars. Over-cash fee – The minimum amount that must be repaid before the payment due date, otherwise a late fee will be charged. The late payment fee is 5% of the minimum payment amount, with a minimum of 1 yuan or 1 US dollar. Function: Peony International Card has major functions such as consumer credit, transfer settlement, and cash deposits and withdrawals.