ICBC e-Banking Personal Customer Service Agreement

    ICBC strives to provide professional and quality financial services under the principle of equality, voluntariness, integrity and due diligence. Before signing the contract, every customer shall understand financial services provided by ICBC and their charging rates and decide whether to select the financial service on his/her own.

    In order to specify the rights and obligations of both parties and regulate their business conducts, Party A (the Customer) and Party B (ICBC) have reached the Agreement on e-banking service under the principles of equality and mutual benefit.
    Article 1 Definitions
    Following words shall be defined as follows in the Agreement:
    “e-Banking” refers to the off-counter financial services provided for Party A by Party B via communication channels opened to the general public or open-ended public networks as well as special networks built for self-service facilities or the customers.
    “Password” means the character and graph information set by a customer to verify his or her identity, including login password and payment password.
    “Dynamic password” refers to the combination of characters dynamically generated according to special rules to verify a customer’s identity. The carriers of dynamic password include e-Banking Token Card, ICBC e-Password Device and mobile phone.
    “Customer Certificate” means an electronic file used to deposit customer ID and digitally sign the e-banking transaction information sent by a customer. The carrier containing customer certificate provided by Party B for Party A is “USBKey”.
    Article 2 Rights and obligations of Party A
    I.Rights
    i. Party A voluntaries to register for Party B’s e-banking service. Party A shall have the right to enjoy different services according to the registered items upon Party B’s approval.
    ii. Party A has the right to change or cancel e-banking service during the registration period.
    iii. In case of any questions, suggestions or comments on Party B’s e-banking service, Party A may dial 95588, log in to Party B’s website or visit Party B’s outlets for inquiry.
    II. Obligations
    i. Party A shall abide by the ICBC e-Banking Charter and the trading rules published by Party B on its website when registering for e-banking service. Where Party A enables QR code payment function, he or she shall respect the QR Code Payment Rules published on Party B’s website as well.
    ii. Party A shall provide relevant application materials as required by Party B for e-banking registration, cancellation and change at the outlets of Party B, and Party A shall sign and confirm the application. The business application materials signed and confirmed by Party A are an integral part of this Agreement. Party A shall ensure that the materials provided are true, accurate and complete and shall bear the loss arising from the untruthful, inaccurate or incomplete information provided by Party A.
    iii. Party A shall directly log in to Party B’s website (address: http://www.icbc.com.cn) to register for internet banking service and refrain from using the link provided by SMS, telephone, e-mail or other websites; Party A shall directly dial Party B’s service hotline 95588 or the designated telephone number published at ICBC’s website when registering for telephone banking service in Chinese mainland, and refrain from dialing other numbers; Party A shall directly log in to Party B’s mobile banking website (address: http://m.icbc.com.cn) via mobile phone when registering for mobile banking service; Party A shall send text messages to 95588 when using SMS banking service; if Party A uses e-banking via the client, the client software shall be downloaded from ICBC’s website or the designated website.
    iv. Party A shall properly keep his or her registered card number (account number, login ID or registered mobile phone number), login password and payment password, e-banking Token Card, USBKey, ICBC e-password device and mobile devices (mobile phone, tablet computer, etc.) used to receive or save verification information. Party A shall not ask Party B to change or cancel e-payment instructions after Party B has executed e-payment instructions approved by security procedures.
Party A shall not rent, lend or sell e-banking Token Card, USBKey or ICBC e-Password Device, otherwise Party A shall bear the consequences arising from these behaviors.
    v. Party A shall set and keep the password in confidence: Party A shall refrain from using his or her name, birthday, telephone number or other noticeable personal information as password; shall not disclose his or her password to any other person; shall delete the password from his or her computer, mobile phone or other terminals after handling e-banking business in these terminals; and shall take other rational measures to prevent his or her password from being stolen. Party A shall bear the consequences arising from the leak of his or her password.
Party A shall properly keep the reserved verification information and refrain from disclosing such information to any other person, website, telephone or SMS inquiry except when receiving Party B’s services.
Party A shall properly keep the e-banking Token Card after receiving the card. Party A shall refrain from disclosing the information on the e-banking Token Card to any other person, otherwise Party A shall bear the consequencesarising therefrom. The laminating covering the password area of the e-banking Token Card will be scraped off as the card is used over time, and the password will be exposed, undermining the security of the dynamic password accordingly. Therefore, Party A shall take necessary measures to protect the password in the area. When over half of the laminating is scraped off, Party A shall pay more attention to the risk of the password being leaked; when the laminating is completely scraped off, Party A shall apply for a new card at Party B’s outlets to ensure the security of the password.
Party A shall properly keep the ICBC e-password device after receiving the device. Party A shall refrain from leaving the ICBC e-password device and the dynamic password generated by the device to any other person, otherwise Party A shall bear the consequences arising therefrom. The number generated in the e-password device can be used for identity verification during the e-banking payment. When being required on the website to enter the number generated in the e-password device, Party A shall check whether the domain name of the website in the address bar of browser is icbc.com.cn. If it is not, Party A shall not enter anything to avoid password leakage; when someone asks for the number generated in the e-password device, Party A shall be cautious and avoid being deceived.
    vi. When using the dynamic password sent by Party B through SMS for transaction confirmation, Party A shall ensure that the mobile phone number provided to Party B is correct. Party B can send the dynamic password for payment and other businesses to the mobile phone number. Moreover, Party A shall carefully check whether the number and other information in SMS match the transaction. Party B shall not be held liable for the loss of Party A arising from his or her failure to provide the right mobile phone number, carefully check the information or correctly perform the operations.
    vii. When contracting for ICBC e-Payment, Party A authorizes Party B to send his or her name, mobile phone number and ID information to any third party (such as telecom operator) approved by Party B for information inquiry and verification during the contracting process.
    viii. When applying for ICBC e-Payment, Party A may choose to verify by SMS dynamic password, payment password and biological features (such as fingerprint). When making a payment to an account, Party A shall confirm that the SMS serial number (for verification by SMS dynamic password), merchant name and transaction amount are consistent with the current transaction, and correctly enter the received dynamic password, payment password and biological features (such as fingerprint). Party B shall not be held liable for the loss of Party A arising from his or her failure to provide the right mobile phone number, carefully check the information or correctly perform the operations.
    ix. Party A shall abide by the following terms when applying for enabling Party B’s e-banking business without personal settlement account with Party B.
    1. Party A shall apply for e-banking business in person with second-generation ID card and bank card of other Chinese commercial banks under his/her real name. Meanwhile, Party A shall provide his or her identity information and promise that all materials provided to Party B are authentic, valid, complete, accurate and legal. Whenever Party A’s materials do not meet the requirements or involve agency, counterfeiting and fraud etc., Party B is entitled to refuse Party A’s application and Party A shall bear corresponding legal responsibilities arising therefrom; Party B shall open an e-account for Party A after checking and approving Party A’s application.
    2. When applying for transferring the fund in the e-account into the bound bank card, Party A shall make sure the bank card bound is in normal state. Party B shall not be held liable for the fund arrival failure due to abnormal status of bank card.
    3. The e-account opened by Party A can be used by Party A only. It cannot be lent, transferred or rented. Otherwise, Party A shall bear the losses arising therefrom.
    x. In case of the following circumstances, Party A shall timely visit Party B’s outlets to handle the corresponding procedures, otherwise he or she may not be able to use Party B’s e-banking service as normal, or the security of his or her account will be undermined. Party A shall bear the consequences before completing the said procedures.
    1. If Party A discloses or forgets the password, he or she shall go through the password resetting procedures.
    2. Party A shall go through the procedures for changing the card immediately if he or she finds one of the following problems when receiving the e-banking Token Card: the laminating or the pattern on the laminating is incomplete or damaged, or the serial number of the e-banking Token Card is inconsistent with the one printed on the application form.
    3. Party A shall apply for a new card if his or her e-banking Token Card has reached the limit of transactions set by Party B, or the card is lost or damaged before the limit of transactions is reached while the card is still needed.
    4. Party A shall go through the procedures for changing the device immediately if he or she finds that the serial number of the ICBC e-password device is inconsistent with the one printed on the application form.
    5. If Party A’s ICBC e-password device is lost, damaged, cannot function as normal or expires, he or she shall timely visit Party B’s outlets to apply for a new one.
    6. If the customer certificate of Party A isdamaged, locked, lost or the certificate password is forgotten within the valid period, Party A shall go through the procedures for certificate replacement, unlocking or password resetting.
    7. If the times of Party A entering the wrong password, dynamic password, SMS verification information or biological features (such as fingerprint) exceed the limit set by Party B, the transaction may be restricted, and Party A shall timely go through the due procedures to lift the restriction.
    8. If Party A’s mobile phone number is lost or changed, Party A shall timely cancel or change the mobile number bound to his or her Internet Banking, Mobile Banking, Direct Banking, ICBC Messenger, SMS verification and ICBC e-Payment, etc..
    xi. In case of any change to Party A’s registered information when using ICBC’s e-banking service, he or she shall timely go through the due procedures, and shall bear the consequences before completing the said procedures.
    xii. Party A shall ensure the payment capability of the e-payment account and strictly abide by the applicable laws and regulations on payment and settlement.
    xiii. Party A shall not use the dispute with any third party as excuse to refuse due payment to Party B.
    xiv. Party A shall not deliberately slander or damage Party B’s reputation or maliciously attack Party B’s e-banking system.
    xv. If the service functions used by Party A when conducting e-banking service involve Party B’s regulations or rules on other services, Party A shall abide by the said rules or regulations as well.
    xvi. Party A shall apply for cancellation if he or she does not use e-banking over a long time.
    xvii. If Party A does not have full capacity for civil conducts, his or her custodian shall properly keep Party A’s registered card number (account number, login ID or registered mobile phone number), login password and payment password, e-banking Token Card, USBKey, ICBC e-password device and mobile devices (mobile phone, tablet computer, etc.) used to receive and save verification information, and take responsibility for the financial transactions concluded via the aforementioned information. And
    xviii. If Party A uses Party B’s e-banking service, he or she shall pay for the service according to the fee rates set and published by Party B. Please see the Service Price Catalog published on Party B’s website and in Party B’s outlet for relevant fee rates and promotion policies. The charges may subject to adjustment. In this case, public announcement released by Party B shall prevail.
    Article 3 Rights and obligations of Party B
    I. Rights
    i. Party B has the right to decide whether to accept Party A’s registration application according to Party A’s credit standing.
    ii. Party B has the right to formulate charging rates for e-banking business and publish them on the website and business outlets.
    iii. Party B has the right to upgrade and rebuild the e-banking system.
    iv. If Party A fails to make timely payment or does not abide by the business rules published by Party B or conducts malicious operations, slanders or damages Party B’s reputation, Party B has the right to unilaterally suspend the e-banking service for Party A and reserves the right to prosecute Party A for such offenses. If Party A is found to use Party B’s e-banking service for illegal activities, Party B shall suspend the e-banking service to Party A.
    v. Party B is entitled to inquire, print, save and use Party A’s information via the National Citizen Identity Information System to verify Party A’s identity and issues related to business review and management.
    vi. Party B shall handle transactions according to Party A’s e-banking instructions. All the operations using the identity verification information set by Party A in Party B (including account number, card number, customer number, telephone or mobile phone number, customer name and terminal equipment information), and the identity verification method set by Party A in Party B (including password, customer certificate, dynamic password, fingerprint and other biological features) to pass identity verification, are considered as Party A’s acts. The electronic information record generated by such operations will be considered as valid credentials for Party B to process e-banking transactions.
    vii. Party B shall not be held responsible for not correctly executing Party A’s e-banking instructions under any of the following circumstances:
    1. The instructions received by Party B are unclear, incomplete or have messy codes.
    2. Party A’s account does not have a sufficient deposit balance or credit line.
    3. The funds in Party A’s account are frozen or deducted according to law.
    4. Party A fails to perform the operations correctly as required by Party B.
    5. Party A’s behavior is intended for fraud or other illegal purposes. Or
    6. Party A has not received the transaction verification information from Party B or such information is delayed or Party B cannot process Party A’s e-banking instructions as normal due to force majeure, hacker attack, system failure, communication failure, network jam, power supply failure, computer virus, malicious program attack or other causes not attributable to Party B, except the circumstances such as computer hacker attacks, system failure, communication failure, network congestion, power supply system failure, computer virus or attack by malicious programs that are caused by Party B deliberately or due to Party B’s gross negligence.
    viii. In case of any incident that may cause the leak of e-banking Token Card data, Party B has the right to annul the e-banking Token Card to protect Party A’s account funds. Party B shall inform Party A of the annulment on the e-banking Token Card in a proper way, and issue a new card to Party A under his or her request.
    ix. Should Party A (the Customer) rescind or terminate the Agreement in advance within the validity period of relevant services, he or she shall pay default compensation to Party B (the Bank), the amount of which shall be the service fees paid by Party A (the Customer) for the remaining period.
    x. If Party A obtains illegal gains by virtue of Party B’s e-banking system error, failure or other causes, Party A authorizes Party B to deduct the illegal gains from his or her account or suspend the e-banking service for Party A.
    II. Obligations
    i. Under the normal operation of Party B’s system, Party B is responsible for timely and accurate processing the e-banking instructions sent by Party A, and timely providing Party A with such services as transaction records, fund balance and account status.
    ii. Party B shall be responsible for the legality of relevant e-banking software.
    iii. Party B shall handle e-banking registration procedures for Party A in a timely manner, and provide corresponding e-banking services to Party A according to different registration functions of Party A.
    iv. Party B shall be responsible for providing e-banking consulting services to Party A, and publish the function introduction, FAQs and transaction rules on the website of Party B.
    v. Party B uses Party A’s materials and transaction records within the scope permitted by laws and regulations and authorized by Party A. Party B shall hold in confidence the application materials and other information provided by Party A unless otherwise required by laws and regulations. And
    vi. Party B shall compensate for the delay in payment and settlement due to work error, in accordance with relevant provisions of the Measures for Payment and Settlement of the People’s Bank of China.
    Article 4 Applicable laws
    The conclusion, enforcement, implementation and interpretation of the Agreement shall be governed by the PRC laws.
    The Agreement is a complement rather than a substitute of Party B’s other existing agreements and stipulations. In case of conflict between the Agreement and the other existing agreements and stipulations concerning e-banking service, the Agreement shall prevail.
    Article 5 Resolution of errors and disputes
    Party A shall call the service hotline “95588” or notify Party B at the outlet in a timely manner if Party A finds that he or she fails to operate as required or fails to execute or properly execute or delays in executing e-banking instructions due to other reasons. Party B shall actively investigate and inform Party A of the investigation results.
    Disputes arising from implementation of the Agreement shall be settled through negotiation between the two parties. If negotiation fails, either party may file a lawsuit to the people’s court at the place where Party B under the Agreement is located.
    Article 6 Suspension and termination of the Agreement
    The e-banking service provided by Party B is subject to the status of Party A’s registered card (account). If the card (account) cannot be used due to loss reporting, stop payment or other reasons, relevant services will be automatically suspended. When the status of the registered card (account) of Party A goes back to normal, Party B shall provide corresponding services again.
    This Agreement shall be terminated upon completion of the cancellation procedure by Party A’s e-banking.
    Party B has the right to suspend or terminate the Agreement if Party A violates the Agreement or other business rules set by Party B. The termination of the Agreement does not mean cancellation of the outstanding transaction instructions before the termination, nor does it eliminate any of the legal consequences arising from the transactions before the termination.
    Article 7 Validity and effectiveness of the Agreement
    If any provision of this Agreement is confirmed to be invalid for any reason, it shall not affect the validity of other provisions of this Agreement. The Agreement shall take effect when Party B has completed Party A’s registration in the e-banking system.
    If Party A applys for bank card replacement after registering for ICBC e-banking, the e-banking service related to the original card shall be automatically transferred to the new one, and the Agreement shall remain in effect.

华商银行电子银行个人客户服务协议

    为明确双方的权利和义务，规范双方业务行为，甲方(客户)、乙方(华商银行)本着平等互利的原则，就电子银行服务相关事宜达成本协议。

    第一条 定义

    下列用语在本协议中的含义为：

    “电子银行”是指乙方通过面向社会公众开放的通讯通道或开放型公众网络，以及为特定自助服务设施或客户建立的专用网络等方式，为甲方提供的离柜金融服务。

    “密码”指客户自行设定并用于验证客户身份的字符信息。

    “客户证书”指用于存放客户身份标识，并对客户发送的电子银行交易信息进行数字签名的电子文件。乙方为甲方提供的客户证书存放介质为“U盾”。

    第二条 甲方权利、义务

    一、权利

    （一）甲方自愿申请注册乙方电子银行，经乙方同意后，将有权根据注册项目的不同享受不同的服务。

    （二）甲方在注册期内有权办理电子银行注销手续。

    （三）甲方对乙方电子银行服务如有疑问、建议或意见时，可拨打电话“4001116558”、登录乙方网站或到乙方各营业网点咨询。

    二、义务

    （一）甲方办理电子银行业务，应遵守《华商银行电子银行章程》和乙方在网站上公布的交易规则。

    （二）甲方到乙方营业网点办理电子银行注册、注销、变更等手续，应按乙方要求提供相关申请资料，甲方应对所申请事项签章确认。甲方签章确认的业务申请资料是本协议不可分割的组成部分。甲方应保证所提供资料真实、准确、完整，对于因甲方提供信息不真实、不准确或不完整所造成的损失由甲方承担。

    （三）甲方办理网上银行业务应直接登录乙方网站（网址：http://www.cmbcn.com.cn），而不要通过邮件或其他网站提供的链接登录；甲方使用通过客户端登录的电子银行，客户端软件应从华商银行网站或设备指定软件下载网站下载。

    （四）甲方必须妥善保管本人注册卡号（账号、登录ID或注册手机号码）、密码、U盾。乙方执行通过安全程序的电子支付指令后，甲方不得要求变更或撤销电子支付指令。

    （五）甲方应按照机密的原则设置和保管密码：避免使用姓名、生日、电话号码等与本人明显相关的信息作为密码；不得将本人自设密码提供给除法律规定外的任何人；采取其他合理措施，防止本人密码被窃取。由于密码泄露造成的后果由甲方承担。

    甲方应该妥善保管预留验证信息，除在乙方办理业务时使用外，不要向任何其他人、其他网站、电话或短信的问询提供预留验证信息内容。

    （六）发生以下情况时，甲方应及时到乙方营业网点办理相应手续，否则可能产生甲方无法正常使用乙方电子银行功能或甲方账户资金安全性降低等风险。甲方应承担办妥手续之前所产生的一切后果。

    1．甲方的密码泄露、遗忘，应办理密码重置手续。

    2．甲方客户证书在有效期内损毁、锁码、遗失或证书密码遗忘，应办理证书更换、解锁或密码重置手续。

    3．甲方输错密码超过乙方规定的次数，其交易可能被限制，甲方应及时与乙方办理相应解除限制的手续。

    4．甲方手机号遗失或变更，应及时取消或变更华商信使等业务的绑定手机号码。

    （七）甲方在使用电子银行服务过程中，所提供的注册信息如有更改，应及时办理有关手续，办妥上述手续之前所产生的一切后果由甲方承担。

    （八）甲方应保证办理电子支付业务账户的支付能力，并严格遵守支付结算业务的相关法律法规。

    （九）甲方不得以与第三方发生纠纷为理由拒绝支付应付乙方的款项。

    （十）甲方不得有意诋毁、损害乙方声誉或恶意攻击乙方电子银行系统。

    （十一）甲方办理电子银行业务时，如其使用的服务功能涉及到乙方其他业务规定或规则的需同时遵守。

    （十二）甲方长期不使用电子银行，应主动申请办理注销手续。

    （十三）甲方不具备完全民事行为能力的，甲方监护人应妥善保管甲方的注册卡号（账号、登录ID或注册手机号码）、U盾及相关密码，并对通过以上信息完成的金融交易负责。

    第三条 乙方权利、义务

    一、权利

    （一）乙方有权根据甲方资信情况，决定是否受理甲方的注册申请。

    （二）乙方有权制定电子银行业务收费标准，并在网站及营业网点进行公布。

    （三）乙方具有对电子银行系统进行升级、改造的权利。

    （四）甲方存在未按时支付有关费用、不遵守乙方有关业务规定或存在恶意操作、诋毁、损害乙方声誉等情况的，乙方有权单方终止对甲方提供电子银行服务，并保留追究甲方责任的权利。甲方利用乙方电子银行从事违反国家法律法规活动的，乙方将按照有权部门的要求停止为其办理电子银行业务。

    （五）乙方根据甲方的电子银行业务指令办理业务,对所有使用甲方在乙方设定的身份标识信息（包括账户账号、卡号、客户编号、电话或手机号码、客户名称、终端设备信息等），并按照甲方在乙方设定的身份认证方式（包括密码、客户证书等）通过身份验证的操作均视为甲方所为，该操作所产生的电子信息记录均为乙方处理电子银行业务的有效凭据。

    （六）乙方因以下情况没有正确执行甲方提交的电子银行业务指令，不承担任何责任：

    1．乙方接收到的指令信息不明、存在乱码、不完整等。

    2．甲方账户存款余额或信用额度不足。

    3．甲方账户内资金被依法冻结或扣划。

    4．甲方未能按照乙方的有关业务规定正确操作。

    5.甲方的行为出于欺诈或其他非法目的。

    6.由于不可抗力、计算机黑客袭击、系统故障、通讯故障、网络拥堵、供电系统故障、电脑病毒、恶意程序攻击及其它不可归因于乙方的原因，导致甲方未收到或延迟收到乙方发出的与交易相关的认证信息，或导致乙方无法正常处理甲方的电子银行业务指令。

    （七）若发生可能导致电子银行口令卡数据泄漏的事件，为保证甲方账户资金安全，乙方有权将该电子银行口令卡作废。乙方应通过适当方式将作废电子银行口令卡的信息告知甲方，并应甲方要求为甲方更换新卡。

    （八）协议终止或服务有效期内中止时，乙方不退回甲方已支付的有关费用。

    （九）如甲方因乙方电子银行系统差错、故障或其他原因获得不当得利的，乙方有权从甲方账户中扣划甲方的不当得利所得或暂停对甲方的电子银行服务。

    二、义务

    （一）在乙方系统正常运行情况下，乙方负责及时准确地处理甲方发送的电子银行业务指令，并及时向甲方提供查询交易记录、资金余额、账户状态等服务。

    （二）乙方对于电子银行所使用的相关软件的合法性承担责任。

    （三）乙方负责及时为甲方办理电子银行注册手续，并按甲方注册功能的不同为甲方提供相应的电子银行服务。

    （四）乙方负责向甲方提供电子银行业务咨询服务，并在乙方网站公布功能介绍、热点解答、交易规则等内容。

    （五）乙方在法律法规许可和甲方授权的范围内使用甲方的资料和交易记录。乙方对甲方提供的申请资料和其他信息有保密的义务，但法律法规另有规定的除外。

    （六）因工作失误导致支付结算处理延误，乙方按中国人民银行《支付结算办法》的有关规定赔偿。

    第四条 法律适用条款

    本协议的成立、生效、履行和解释，均适用中华人民共和国法律；法律无明文规定的，可适用通行的金融惯例。

    本协议是乙方的其他既有协议和约定的补充而非替代文件，如本协议与其他既有协议和约定有冲突，涉及电子银行业务内容的，应以本协议为准。

    第五条 差错和争议的解决

    甲方发现自身未按规定操作，或由于自身其他原因造成电子银行业务指令未执行、未适当执行、延迟执行的，应及时通过拨打服务热线“4001116558”或到营业网点通知乙方。乙方应积极调查并告知甲方调查结果。

    双方在履行本协议的过程中，如发生争议，应协商解决。协商不成的，任何一方均可向乙方所在地人民法院提起诉讼。

    第六条 协议的中止和终止

    乙方提供的电子银行服务受甲方注册卡（账户）状态的制约，如该卡（账户）因挂失、止付等原因不能使用，相关服务自动中止。甲方注册卡（账户）状态恢复正常时，乙方重新提供相应服务。

    甲方电子银行注销手续办理完毕，本协议即为终止。

    在甲方违反本协议规定或其他乙方业务规定的情况下，乙方有权中止或终止本协议。协议终止并不意味着终止前所发生的未完成交易指令的撤销，也不能消除因终止前的交易所带来的任何法律后果。

    第七条 协议的效力和生效

    本协议的任何条款如因任何原因而被确认无效，都不影响本协议其他条款的效力。本协议自乙方在电子银行系统为甲方完成注册起生效。

    若甲方注册电子银行后又办理注册银行卡卡片更换，与原注册卡相关的电子银行服务事项自动转至新卡，本协议继续有效。

中国工商银行电子银行个人客户服务协议

    中国工商银行遵循平等自愿、诚实守信、勤勉尽责的原则，努力为客户提供专业化、高质量的金融服务。在签订本合同之前，特提请客户充分了解工商银行提供的相关金融服务内容及收费标准，自主决定是否选择相关金融服务。

    为明确双方的权利和义务，规范双方业务行为，甲方(客户) 、乙方(中国工商银行)本着平等互利的原则，就电子银行服务相关事宜达成本协议。
    第一条 定义
    下列用语在本协议中的含义为：
    “电子银行”是指乙方通过面向社会公众开放的通讯通道或开放型公众网络，以及为特定自助服务设施或客户建立的专用网络等方式，为甲方提供的离柜金融服务。
    “密码”指客户自行设定并用于验证客户身份的字符和图形等信息，包括登录密码及支付密码。
    “动态口令”是指按照特定规则动态产生并用于识别客户身份的字符组合，动态口令的载体包括电子银行口令卡、工银电子密码器、手机等。
    “客户证书”指用于存放客户身份标识，并对客户发送的电子银行交易信息进行数字签名的电子文件。乙方为甲方提供的客户证书存放介质为“U盾”。
    第二条 甲方权利、义务
    一、权利
    （一）甲方自愿申请注册乙方电子银行，经乙方同意后，将有权根据注册项目的不同享受不同的服务。
    （二）甲方在注册期内有权办理电子银行变更或注销手续。
    （三）甲方对乙方电子银行服务如有疑问、建议或意见时，可拨打电话“95588”、登录乙方网站或到乙方各营业网点咨询。
    二、义务
    （一）甲方办理电子银行业务，应遵守《中国工商银行电子银行章程》和乙方在网站上公布的交易规则。甲方开通二维码支付功能的，还应遵守在乙方网站上公布的《二维码支付交易规则》。
    （二）甲方到乙方营业网点办理电子银行注册、注销、变更等手续，应按乙方要求提供相关申请资料，甲方应对所申请事项签字确认。甲方签章确认的业务申请资料是本协议不可分割的组成部分。甲方应保证所提供资料真实、准确、完整，对于因甲方提供信息不真实、不准确或不完整所造成的损失由甲方承担。
    （三）甲方办理网上银行业务应直接登录乙方网站（网址：http://www.icbc.com.cn），而不要通过短信、电话、邮件或其他网站提供的链接登录；甲方在中国大陆地区办理电话银行业务，应直接拨打乙方服务电话95588或在中国工商银行网站公布的指定电话号码，而不要拨打其他电话；甲方办理手机银行业务应通过手机直接登录乙方手机银行网站（网址：http://m.icbc.com.cn）；甲方使用短信银行应将短信发送到95588；甲方使用通过客户端登录的电子银行，客户端软件应从中国工商银行网站或设备指定软件下载网站下载。
    （四）甲方必须妥善保管本人注册卡号（账号、登录ID或注册手机号码）、登录密码及支付密码、电子银行口令卡、U盾、工银电子密码器及接收或留存验证信息的移动设备（如手机、平板电脑）。乙方执行通过安全程序的电子支付指令后，甲方不得要求变更或撤销电子支付指令。
甲方不得出租、出借、出售电子银行口令卡、U盾、工银电子密码器，由于上述行为造成的后果由甲方承担。
    （五）甲方应按照机密的原则设置和保管密码：避免使用姓名、生日、电话号码等与本人明显相关的信息作为密码；不得将本人自设密码提供给他人；通过电脑、手机等终端办理电子银行业务后，须将自设密码从终端上删除；采取其他合理措施，防止本人密码被窃取。由于密码泄露造成的后果由甲方承担。
甲方应该妥善保管预留验证信息，除在乙方办理业务时使用外，不要向任何其他人、其他网站、电话或短信的问询提供预留验证信息内容。
甲方申领电子银行口令卡后，应妥善保管电子银行口令卡，不得将电子银行口令卡上的字符信息泄露给他人，否则由此造成的后果由甲方承担。电子银行口令卡密码字符区域的覆膜会随电子银行口令卡的使用而逐渐被刮开，被刮开区域的密码字符容易被他人记录，从而降低动态密码的安全性。因此，甲方应采取必要措施保护已被刮开的密码字符，当电子银行口令卡上一半以上的覆膜被刮开时，建议甲方进一步加强对字符信息泄露风险的防范；当电子银行口令卡上所有覆膜被刮开时，建议甲方到乙方营业网点申领新卡，以便更好地保障安全。
甲方申领工银电子密码器后，应妥善保管工银电子密码器，不得将工银电子密码器及其产生的动态口令交由他人使用，否则由此造成的后果由甲方承担。电子密码器产生的数字可用于对电子银行对外支付进行身份认证，当网页上要求输入电子密码器产生的数字时，甲方应首先核对浏览器地址栏中的网站域名是否为icbc.com.cn，如果不是不应输入，防止密码信息泄露；当有人索要电子密码器产生的数字时，甲方不应随意提供，防止受骗。
    （六）甲方使用乙方通过手机短信发送的动态口令进行交易确认的，应确保向乙方提供本人正确的手机号，乙方向该手机号发送可用于办理对外支付等业务的动态口令，甲方应在交易过程中认真核对短信发送编号等信息是否与正在进行的交易事项一致。因甲方提供手机号有误、未认真核对信息或未正确操作造成的一切损失，乙方不承担责任。
    （七）甲方签约工银e支付业务，授权乙方在签约过程中将甲方姓名、手机号码及证件信息发送至乙方认可的第三方机构（例如电信运营商等）进行信息查询与核验。
    （八）甲方办理工银e支付业务，可以选择使用短信动态口令认证、支付密码认证、指纹等生物识别信息认证等方式。甲方支付账户资金时，须确认短信发送编号（若使用短信动态口令认证）、商户名称和交易金额等信息与交易事项一致，并正确输入收到的动态口令/支付密码/指纹等生物识别信息。因甲方提供手机号有误、未认真核对信息或未正确操作造成的一切损失，乙方不承担责任。
    （九）甲方在无乙方个人结算账户的情况下，申请开通乙方电子银行业务，还应遵守如下条款。
    1. 甲方申请开通电子银行业务，应由本人亲自办理，须持有二代居民身份证和在国内其他商业银行实名开立的银行卡，并向乙方提供相关身份信息，承诺向乙方提供的所有资料真实、有效、完整、准确、合法，如甲方提供的资料不符合要求或存在代办、伪冒、欺诈等情形，乙方有权拒绝甲方的申请，甲方需承担相应法律责任；乙方审核通过后为甲方开立电子账户。
    2.甲方申请将电子账户的资金转回所绑定银行卡时，应确保绑定银行卡状态正常，因状态不正常导致资金无法正常到账的，乙方对此不承担责任。
    3.甲方开立的电子账户只限甲方本人使用，不得出借、转让或出租。否则，由此产生的损失由甲方自行承担。
    （十）发生以下情况时，甲方应及时到乙方营业网点办理相应手续，否则可能产生甲方无法正常使用乙方电子银行功能或甲方账户资金安全性降低等风险。甲方应承担办妥手续之前所产生的一切后果。
    1．甲方的密码泄露、遗忘，应办理密码重置手续。
    2．甲方申领电子银行口令卡时发现卡片覆膜、覆膜上的图案等不完整、破损，或所领取电子银行口令卡序列号与申请表上银行打印的电子银行口令卡序列号不一致时，应当场办理更换手续。
    3．甲方电子银行口令卡达到乙方设定的有效次数，或者在达到有效次数前遗失、损毁等，仍需使用的，应办理申领新卡手续。
    4. 甲方领取的工银电子密码器序列号与申请表上银行打印的序列号不一致，应当场办理更换手续。
    5．甲方的工银电子密码器遗失、损毁、无法正常使用或使用期届满，应及时到乙方营业网点办理重新申领手续。
    6．甲方客户证书在有效期内损毁、锁码、遗失或证书密码遗忘，应办理证书更换、解锁或密码重置手续。
    7．甲方输错密码、动态口令、短信认证信息、指纹等生物识别信息超过乙方规定的次数，其交易可能被限制，甲方应及时与乙方办理相应解除限制的手续。
    8．甲方手机号遗失或变更，应即时取消或变更网上银行、手机银行、直销银行、工银信使、短信认证、工银e支付等业务的绑定手机号码。
    （十一）甲方在使用电子银行服务过程中，所提供的注册信息如有更改，应及时办理有关手续，办妥上述手续之前所产生的一切后果由甲方承担。
    （十二）甲方应保证办理电子支付业务账户的支付能力，并严格遵守支付结算业务的相关法律法规。
    （十三）甲方不得以与第三方发生纠纷为理由拒绝支付应付乙方的款项。
    （十四）甲方不得有意诋毁、损害乙方声誉或恶意攻击乙方电子银行系统。
    （十五）甲方办理电子银行业务时，如其使用的服务功能涉及到乙方其他业务规定或规则的需同时遵守。
    （十六）甲方长期不使用电子银行，应主动申请办理注销手续。
    （十七）甲方不具备完全民事行为能力的，甲方监护人应妥善保管甲方的注册卡号（账号、登录ID或注册手机号码）、登录密码及支付密码、电子银行口令卡、U盾、工银电子密码器及接收或留存验证信息的移动设备（如手机、平板电脑），并对通过以上信息完成的金融交易负责。
    （十八）甲方使用乙方电子银行服务的，应按照乙方制定并公布的相应收费标准支付服务费用。具体收费标准及优惠政策等，详见乙方在网站及营业网点公布的《服务价目表》。各项收费如有变动，以乙方最新公告为准。
    第三条 乙方权利、义务
    一、权利
    （一）乙方有权根据甲方资信情况，决定是否受理甲方的注册申请。
    （二）乙方有权制定电子银行业务收费标准，并在网站及营业网点进行公布。
    （三）乙方具有对电子银行系统进行升级、改造的权利。
    （四）甲方存在未按时支付有关费用、不遵守乙方已公布的有关业务规定或存在恶意操作、诋毁、损害乙方声誉等情况的，乙方有权单方终止对甲方提供电子银行服务，并保留追究甲方责任的权利。甲方利用乙方电子银行从事违反国家法律法规活动的，乙方将停止为其办理电子银行业务。
    （五）乙方有权通过全国公民身份信息系统等合法渠道查询、打印、保存并使用甲方有关信息，用于核实甲方身份信息等与业务审核及管理相关的事项。
    （六）乙方根据甲方的电子银行业务指令办理业务, 对所有使用甲方在乙方设定的身份标识信息（包括账户账号、卡号、客户编号、电话或手机号码、客户名称、终端设备信息等），并按照甲方在乙方设定的身份认证方式（包括密码、客户证书、动态口令、指纹等生物识别信息等）通过身份验证的操作均视为甲方所为，该操作所产生的电子信息记录均为乙方处理电子银行业务的有效凭据。
    （七）乙方因以下情况没有正确执行甲方提交的电子银行业务指令，不承担任何责任：
    1．乙方接收到的指令信息不明、存在乱码、不完整等。
    2．甲方账户存款余额或信用额度不足。
    3．甲方账户内资金被依法冻结或扣划。
    4．甲方未能按照乙方的有关业务规定正确操作。
    5. 甲方的行为出于欺诈或其他非法目的。
    6. 由于不可抗力、计算机黑客袭击、系统故障、通讯故障、网络拥堵、供电系统故障、电脑病毒、恶意程序攻击及其它不可归因于乙方的原因，导致甲方未收到或延迟收到乙方发出的与交易相关的认证信息，或导致乙方无法正常处理甲方的电子银行业务指令。因乙方故意或重大过失导致的计算机黑客袭击、系统故障、通讯故障、网络拥堵、供电系统故障、电脑病毒、恶意程序攻击除外。
    （八）若发生可能导致电子银行口令卡数据泄漏的事件，为保障甲方账户资金安全，乙方有权将该电子银行口令卡作废。乙方应通过适当方式将作废电子银行口令卡的信息告知甲方，并应甲方要求为甲方更换新卡。
    （九）服务有效期内，如甲方（客户）提前解除或终止本协议，应向乙方（我行）支付违约补偿金，违约补偿金金额为甲方（客户）已缴纳的剩余期限的服务费用。
    （十）如甲方因乙方电子银行系统差错、故障或其他原因获得不当得利的，甲方授权乙方从甲方账户中扣划甲方的不当得利所得或暂停对甲方的电子银行服务。
    二、义务
    （一）在乙方系统正常运行情况下，乙方负责及时准确地处理甲方发送的电子银行业务指令，并及时向甲方提供查询交易记录、资金余额、账户状态等服务。
    （二）乙方对于电子银行所使用的相关软件的合法性承担责任。
    （三）乙方负责及时为甲方办理电子银行注册手续，并按甲方注册功能的不同为甲方提供相应的电子银行服务。
    （四）乙方负责向甲方提供电子银行业务咨询服务，并在乙方网站公布功能介绍、热点解答、交易规则等内容。
    （五）乙方在法律法规许可和甲方授权的范围内使用甲方的资料和交易记录。乙方对甲方提供的申请资料和其他信息有保密的义务，但法律法规另有规定的除外。
    （六）因工作失误导致支付结算处理延误，乙方按中国人民银行《支付结算办法》的有关规定赔偿。
    第四条 法律适用条款
    本协议的成立、生效、履行和解释，均适用中华人民共和国法律。
    本协议是乙方的其他既有协议和约定的补充而非替代文件，如本协议与其他既有协议和约定有冲突，涉及电子银行业务内容的，应以本协议为准。
    第五条 差错和争议的解决
    甲方发现自身未按规定操作，或由于自身其他原因造成电子银行业务指令未执行、未适当执行、延迟执行的，应及时通过拨打服务热线“95588”或到营业网点通知乙方。乙方应积极调查并告知甲方调查结果。
    双方在履行本协议的过程中，如发生争议，应协商解决。协商不成的，任何一方均可向本协议项下乙方所在地人民法院提起诉讼。
    第六条 协议的中止和终止
    乙方提供的电子银行服务受甲方注册卡（账户）状态的制约，如该卡（账户）挂失、止付等原因不能使用，相关服务自动中止。甲方注册卡（账户）状态恢复正常时，乙方重新提供相应服务。
    甲方电子银行注销手续办理完毕，本协议即为终止。
    在甲方违反本协议规定或其他乙方业务规定的情况下，乙方有权中止或终止本协议。协议终止并不意味着终止前所发生的未完成交易指令的撤销，也不能消除因终止前的交易所带来的任何法律后果。
    第七条 协议的效力和生效
    本协议的任何条款如因任何原因而被确认无效，都不影响本协议其他条款的效力。本协议自乙方在电子银行系统为甲方完成注册起生效。
    若甲方注册电子银行后又办理注册银行卡卡片更换，与原注册卡相关的电子银行服务事项自动转至新卡，本协议继续有效。

中国工商银行电子银行章程

    第一条 为了更好地向客户提供金融服务，中国工商银行开办电子银行业务，并根据国家法律、法规和监管规定，制定本章程。
    第二条 本章程所称电子银行业务，是指中国工商银行利用面向社会公众开放的通讯通道或开放型公众网络、以及为客户建立专用网络等方式，为个人及对公客户提供的离柜金融服务。
    第三条 中国工商银行电子银行服务向符合中华人民共和国法律规定及中国工商银行相关要求的自然人、法人或其他组织提供。
    第四条 中国工商银行、电子银行客户及电子银行交易的其他参与方，均须遵守相关法律法规、监管规定及本章程。
    第五条 客户可在中国工商银行营业网点办理电子银行业务注册，也可通过手机、计算机、电话等渠道自助办理电子银行业务注册。客户向中国工商银行申请办理电子银行业务，应按照监管规定及中国工商银行要求提供相关资料和必要信息，并保证所提供的资料和信息真实、准确、完整、有效，中国工商银行有权对客户身份及资料进行审查、核实。
    客户所提供资料和信息变更后，应及时通知银行进行变更。因客户未及时更新资料和信息，导致银行无法提供电子银行服务，或提供时发生任何错误的，客户不得将此作为取消交易、拒绝付款的理由，并应承担相应责任。客户所提供相关证件有效期已过期的，应及时通知银行进行更新，未在合理时间内更新且未提出合理理由的，中国工商银行有权暂停或终止为客户办理相关电子银行业务。
    第六条 中国工商银行电子银行客户身份认证方式（以下简称认证方式）包括数字证书、动态口令、静态密码、生物特征识别以及其他可用于识别客户身份的方式。客户身份认证介质是实现认证方式的物理载体，如U盾、电子密码器等。中国工商银行根据电子银行业务类型的不同，提供一种或多种认证方式供客户选择。
    第七条 中国工商银行根据不同的客户类别、注册状态、认证方式和申请项目，为客户提供相应的电子银行服务。在营业网点注册的客户，与自助注册和未注册客户相比，可享受更全面的电子银行服务。
    第八条 中国工商银行对使用客户身份标识（包括账户账号、卡号、用户名、电话或手机号码、终端设备信息等）并按照客户在中国工商银行设定的认证方式通过身份验证的电子银行操作均视为客户本人所为，并以客户发出的指令作为办理电子银行业务的有效依据。
    第九条 客户办理电子银行业务，应遵守中国工商银行有关交易规则，并根据交易提示进行正确操作。
    客户办理电子支付业务，应在账户支付能力范围内进行支付，账户状态应正常，并严格遵守支付结算业务的相关法律法规。对于中国工商银行验证无误并已执行的电子支付指令，客户不得要求变更或撤销。
    第十条 不具有完全民事行为能力的个人客户申请注册和变更电子银行业务，应由其监护人代为办理，监护人应遵守本章程和相关电子银行业务协议约定。
    第十一条 发生以下情况，客户应及时办理相应身份认证介质更新或更换手续：
    （一）身份认证介质有效期届满。
    （二）身份认证介质遗失、信息泄露或无法正常使用。
    第十二条 客户使用电子银行应注意防范风险，风险包括但不限于：
    （一）电子银行登录密码、支付密码或用户名等重要信息被他人猜出、偷窥，可能导致客户账户信息泄露、资金被盗、被他人进行恶意操作等情况。
    （二）U盾、电子密码器等身份认证介质被他人盗取或在未经允许的情况下被他人使用，且身份认证介质密码同时被窃取，可能造成账户资金被盗等情况。
    （三）客户的手机被他人盗取或在未经允许情况下被他人使用，可能造成通过手机接收的账户及认证等信息泄漏，并可能导致账户资金被盗等情况。客户更换手机号时，未将以原手机号开通的工银信使等业务取消，当该手机号被电信运营商发放给其他人时，可能造成客户的账户信息泄露等情况。
    （四）与办理电子银行业务相关的重要资料，如身份证件、银行卡、存折、预留银行印鉴等因遗失或保管不善，被他人冒用或盗用，可能造成被他人注册电子银行，并可能因此发生账户信息泄露及资金被盗等情况。
    （五）客户因设备被植入木马病毒、受骗登录假网站或非法应用程序等原因，导致电子银行登录密码、支付密码、手机号、短信验证码、身份证件信息等重要信息被他人获取，可能造成被他人恶意操作、账户信息泄露、资金被盗等情况。
    （六）客户被他人以涉嫌案件、电视或电话欠费、信用卡透支、高收益理财、办理借款等事项诈骗，将电子银行身份认证信息或介质交给他人，或将资金转入他人控制的银行账户造成资金损失等情况。
    第十三条 客户应采取风险防范措施，安全使用电子银行。这些措施包括但不限于：
    （一）避免使用与本人明显相关的信息（如姓名、生日、常用电话号码、身份证件号码等）或具有明显规律性的字符（如重复或连续的数字或字母）作为密码；办理电子银行业务的密码应不同于其他用途的密码（如银行卡/存折密码、其他网站会员密码、即时通讯工具密码、电子邮箱密码等）；电子银行登录密码、支付密码应设置为不同内容，并做到经常更换。
    （二）保护好自己的银行卡密码、存折密码、工银电子密码器密码、U盾密码等重要信息，不要告知包括银行人员在内的任何人，不要在计算机、电话、手机或其他电子设备上记录或保留。通过具有存储和显示输入号码功能的设备办理电子银行业务后，应立即清除所存储的密码和账号等信息。
    客户在使用电子银行过程中暂时离开或在完成电子银行交易后，应及时退出电子银行系统。
    （三）妥善保管与办理电子银行业务相关的各项重要物品或资料，如身份证件、银行卡、存折、U盾、电子密码器、预留银行印鉴、手机等，不得交给他人或非授权人员保管，不得出租、出借、出售、购买银行账户（包括银行卡）及其电子银行身份认证介质，不要在不信任的网站或其他场所留下卡号、存折账号、身份证号、常用电话号码等个人信息，防止被他人利用。
    （四）采取有效的措施（如安装正版操作系统以及防病毒软件和网络防火墙并及时更新）保护用于办理电子银行业务的计算机或手机等终端设备的安全，防止其发生信息泄露或被他人操控。不要在网吧等多人共用的计算机上使用网上银行；不要通过公用电话使用电话银行。更换手机号码后，应及时办理手机银行、工银信使、短信认证等电子银行业务变更。
    （五）使用网上银行应通过www.icbc.com.cn进行登录，使用手机银行应从中国工商银行网站或设备指定的应用市场下载，使用电话银行应拨打95588或其他在中国工商银行网站公布的指定电话号码，使用短信银行应根据业务办理规则编辑短信并发送至95588。客户应避免通过其他网址、号码、链接或软件登录电子银行。
    （六）客户使用工行账户进行在线支付应仅限于与中国工商银行开展在线支付合作的特约单位，不要在来源不明的网站或商户上进行在线支付，防止密码和动态口令泄露。
    （七）客户在使用电子银行或接收短信验证码时，不要开启操作系统及相关软件工具的远程协助、屏幕共享等功能；进行支付时应在核对收款方、支付金额等信息无误后再确认支付；在使用完电子银行并安全退出后，还应及时取出U盾等客户证书介质并妥善保管。
    （八）中国工商银行在任何情况下都不会通过短信、电话、邮件等方式主动要求客户将资金转入某一指定账户，也不会向客户索要银行密码的内容。如他人（包括银行人员）向客户索要银行密码内容，请不要提供。客户如收到短信或邮件，涉及引导客户打开页面链接并要求输入电子银行密码、动态口令或短信验证码，或要求客户将资金转入某一账户的，应保持警惕，仔细辨认信息真伪，如有疑问，应及时通过95588服务热线或到中国工商银行营业网点查询。
    （九）客户在通过电子银行渠道进行转账汇款、线上支付时，应确认收款方身份真实、准确、合法，不向陌生账户或涉嫌赌博、诈骗等非法活动的账户转移资金。对于中国工商银行根据电子银行交易规则要求客户输入短信验证码、或通过U盾等认证方式完成交易时，客户应仔细核对短信、U盾中收款方户名、账号等信息，并按照交易提示进行正确操作，谨防被骗。
    （十）客户应经常关注账户内资金变化，发现账户被他人操作、电子银行密码泄露或其他可疑情况时，应立即办理账户挂失、密码重置、更换身份认证介质等手续。
    第十四条 因中国工商银行内部人员违规操作或法律规定银行负有责任的其他原因所造成的客户账户资金损失由银行承担相应责任。
    因客户泄露电子银行密码或短信验证码、U盾等身份认证介质保管不善、未尽到防范风险与保密义务导致客户损失的；由于客户手机越狱、手机Root、下载安装其他软件、访问其他网站等过程中含有病毒、木马程序或其他恶意程序，威胁客户终端设备信息和数据安全而导致客户损失的；或因客户引起的其他原因导致客户损失的，客户应承担相应责任。
    由于不可抗力等不可归因于中国工商银行的情况而导致客户损失的，中国工商银行不承担责任。
    第十五条 客户授权中国工商银行在本人电子银行业务处理过程中，根据业务申请、身份识别、业务办理、风险监测与管理等业务需要，可在依法合规的前提下查询、收集、留存并使用本人授权信息。客户授权信息包括但不限于姓名、性别、手机号码、证件号码、证件类型、证件有效期、联络地址、职业、国籍、面部/指纹/声纹等生物特征、银行账号、交易信息、与中国工商银行服务相关的设备信息和位置信息等，以及对公客户的企业名称、统一社会信用代码、营业执照及其他证照信息等。客户授权中国工商银行可根据信息查询与身份核验以及提供消息推送服务、基于位置的服务、电子社保卡等第三方合作服务的需要，按照最小必要原则将客户授权信息提供至中国工商银行集团成员（包括但不限于中国工商银行子公司、附属公司）、监管机构、司法机关、仲裁机构、行政机构、银行卡组织、电信运营商、合作机构（包括但不限于第三方服务提供商）等。
    第十六条 客户同意中国工商银行可将其金融信息用于营销、用户体验改进或者市场调查等用途。中国工商银行可通过电话、短信、5G消息、智能服务、客户端、电子邮件、微信、融e联或其他即时通讯工具等方式向其发送产品和服务、营销、用户体验改进和市场调查等相关信息。
    客户如不同意上述授权，可拨打95588服务热线或通过中国工商银行指定的其他方式进行调整或退订。
    无论客户是否同意上述授权，中国工商银行将继续提供优质服务，并不会影响向客户发送风险提示、服务状态通知、业务办理进度、还款提示等提醒信息。
    客户同意授权后，如需更改授权，可拨打95588服务热线或通过中国工商银行指定的其他方式进行调整或退订。
    第十七条 客户办理电子银行业务，须按中国工商银行对外统一公布的《中国工商银行服务价目表》支付相关费用，《中国工商银行服务价目表》可在营业网点、门户网站（www.icbc.com.cn）等渠道查询。电子银行业务收费项目、收费标准如有变更，以中国工商银行最新公告为准。
    第十八条 当发生以下情况之一时，中国工商银行有权限制客户的电子银行交易权限，或暂停、终止对客户提供相关电子银行服务：
    （一）客户利用电子银行系统差错、故障不当得利或造成他人损失；出于恶意或其他非法目的，利用电子银行进行不正当交易。
    （二）发生不法分子假借客户身份盗用电子银行或其他危及客户资金安全的事件，或存在发生这种事件的可能。
    （三）客户注册后连续3年以上未使用电子银行服务且未按《中国工商银行服务价目表》缴纳相应费用。
    （四）客户存在使用虚假证件、无效证件或冒用他人证件注册电子银行等行为。
    （五）客户在中国工商银行预留的身份信息不完整、不准确，且拒绝按中国工商银行的要求进行补充、更新。
    （六）客户办理使用特定终端信息（如手机/电话号码、电子邮件地址、设备识别码等）的电子银行业务时，所提供的终端信息错误或变更终端信息后未及时通知银行更改，造成银行无法为终端所有人正常提供相应服务。
    （七）客户涉嫌从事洗钱、非法集资、网络赌博、电信诈骗等违法行为，并拒绝配合中国工商银行开展尽职调查工作，或经尽职调查仍无法排除相关嫌疑的情况。
    （八）客户涉嫌出租、出借、出售、购买银行账户（包括银行卡）及其电子银行身份认证介质。
    （九）国家法律法规及有权机关另有规定的情况。
    第十九条 中国工商银行有权根据业务发展需要对电子银行业务功能及相关交易规则进行升级或调整，并采取网站公告、交易提示等适当方式告知客户，客户应按照升级和调整后的业务功能或交易规则办理电子银行业务。如客户不同意有关变更，可办理电子银行注销手续，未办理电子银行注销手续的，视为客户同意有关变更。
    第二十条 客户办理电子银行业务，应确认遵守相关电子银行服务协议、用户信息保护政策和业务须知。客户使用电子银行时，如其使用的服务功能涉及到中国工商银行其他业务的，须同时遵守与该业务相关的章程、服务协议及交易规则；如其使用的服务功能涉及第三方的，还应同时遵守第三方的交易规则。
    第二十一条 客户在办理电子银行业务过程中，如遇到问题或无法获得电子银行服务时，可通过中国工商银行营业网点、门户网站（www.icbc.com.cn）或手机银行在线客服咨询投诉，或拨打中国工商银行服务热线95588。
    第二十二条 客户在办理电子银行业务过程中如发生争议，可遵照法律法规、本章程及相关服务协议的规定与中国工商银行协商解决。
    客户向中国工商银行反映电子银行状态不正常后，应配合中国工商银行进行有关调查，并对所提供情况的真实性负责。
    第二十三条 本章程由中国工商银行制定并修改。中国工商银行如对章程进行修改，将提前30日通过营业网点、网站等适当方式将修改后的章程进行通告。在通告期，客户若因对章程的修改有异议而决定不继续使用中国工商银行电子银行的，可办理电子银行注销手续。通告期满客户未注销电子银行的，视为同意接受对章程的修改。
    第二十四条 本章程自2021年8月8日起实施，原章程同时废止。

ICBC e-Banking Charter

    Article 1 In order to provide better financial services to customers, Industrial and Commercial Bank of China (“ICBC”) launches e-banking service and formulates the Charter in accordance with the laws, regulations and regulatory rules of the People’s Republic of China.
    Article 2 For the purpose of the Charter, “e-banking” refers to the off-premise financial services provided by ICBC for personal and corporate customers via communication channels opened to the general public or open-ended public networks as well as special networks built for customers.
    Article 3 ICBC e-banking service is provided to natural persons, legal persons or other organizations complying with laws and regulations of the People’s Republic of China and relevant requirements of ICBC.
    Article 4 ICBC, e-banking customers and other participants in e-banking transactions shall comply with relevant laws, regulatory rules and the Charter.
    Article 5 Customers can register e-banking service at the outlets of ICBC or through mobile phone, computer, telephone and other channels on their own. When applying for ICBC e-banking service, customer shall provide relevant documents and necessary information according to the requirements of regulators and ICBC, and ensure the authenticity, accuracy, completeness and effectiveness of the document and information. ICBC has the right to examine and verify the customer’s identity and document.
    In case of changes in the document and information provided by the customer, the Bank shall be notified to modify in a timely manner. In case the customer fails to update document and information in time, resulting in the inability of ICBC to provide e-banking service or make mistakes in provision ofe-banking service, the customer shall not cancel the transaction or refuse to pay with the excuse; and shall bear corresponding responsibilities. If the relevant certificates provided by the customer has expired, the Bank shall be timely notified for updating. If they are not updated within a reasonable period without any reason, ICBC has the right to suspend or terminate the relevant e-banking service for the customer.
    Article 6 ICBC’s e-banking customer identity authentication methods (“authentication methods”) include digital certificate, dynamic password, static password, biometrics recognition and other methods used to identify customers. Customer identity authentication medium is the physical carrier to realize authentication, inculding USBKey and e-password device, etc.. ICBC provides customers one or more than one options on authentication methods depending on the types of e-banking services.
    Article 7 ICBC provides customers with corresponding e-banking services based on the different customer types, registration status, authentication methods and application items. Compared with customers registered on their own and unregistered customers, those registered at outlets are entitled to more comprehensive e-banking services.
    Article 8 Any e-banking operations conducted on the basis of customer’s identity information (including account number, card number, user name, telephone or mobile phone number and terminal equipment information) and passing the identity authentication by the method set by the customer in ICBC shall be deemed as the operations conducted by the customer on his or her own, and the instructions sent by the customer shall be used as the effective basis for rendering e-banking services.
    Article 9 Customers shall correctly conduct e-banking business in accordance with relevant trading rules of ICBC and trading prompts.
    Customers’ electronic payment must be made within the payment capacity of a normal account. Customers must strictly abide by the laws and regulations relating to payment and settlement business. Customers can not change or cancel the electronic payment instructions that have been verified and executed by ICBC .
    Article 10 For personal customers without full capacity of civil conduct, registration or change of e-banking service shall be applied for by their guardians on their behalf. The guardians shall comply with the Charter and relevant e-banking business agreements.
    Article 11 Under any of the following circumstances, customers shall timely go through the formalities for renewal or replacement of corresponding identity authentication medium:
    i. The identity authentication medium has expired.    
    ii. Identity authentication medium is lost or cannot be used normally, or information in the medium was leaked.
    Article 12 E-banking users shall guard against risks, including but not limited to:
    i. The login password, payment password or user name and other important information of e-banking are cracked or peeked, which may lead to the leakage of customer account information, loss of funds and malicious operations by other persons.
    ii. Identity authentication medium such as USBKey and e-password device is stolen or used by any other person without authorization, and the password of identity authentication medium is leaked as well, possibly leading to loss of account funds.
    iii. The customer’s mobile phone was stolen or used by any other person without permission, possibly leading to the leakageof the account and authentication information received through the mobile phone and loss of funds.If a customer changed his/her mobile phone number but failed to cancel ICBC Messenger or other services activated through the original mobile phone number, it may result in the leakage of account information of the customer when the mobile phone number is granted by the telecommunication operator to another person.
    iv. Important materials relating to e-banking services, such as identity certificate, bank card, passbook and the specimen signature (including signature and /or chop), were used without authorization or stolen by any other person, possibly leading to the registration of e-banking by other people using such materials, or leakage of account information or loss of fund.
    v. The customer’s important information such as e-banking login password, payment password, mobile phone number, SMS confirmation code and ID information is intercepted by any other people since the equipment is implanted with Trojan virus, or the customer is cheated to log in to fake websites or illegal APPs, which may lead to malicious operations, account information leakage or loss of fund.
    vi. Customers are cheated by other people through suspected cases, overdue TV or telephone charges, credit card overdraft, high-yield wealth management, borrowing and other matters, to hand over e-banking identity authentication information or medium to other people, or transfer funds to bank accounts controlled by other people, resulting in fund losses, etc..
    Article 13 Customers shall take risk prevention measures to ensure e-banking security. These measures include but are not limited to:
    i. Avoid using information obviously relating to the customer (e.g. name, birthday, frequently called number and identity certificate number) or characters with an obvious regularity (e.g. repeated or consecutive numbers) as a password; e-banking password shall be different from those used for other purposes (e.g. bank card password, password of other websites, instant messaging tools, email, etc.); e-banking login password and payment password shall be different and regularly changed.
    ii. Properly keep important personal information such as passwords of bank cards, passbook, ICBC e-banking password device and USBKey, do not divulge it to any person, including employees of the Bank, and do not record or store such information in computer, telephone, mobile phone or other electronic devices. Promptly remove all password and account number information from the devices with the functions of storing and displaying the inputted numbers, after competing e-banking business.
    Customers must timely exit e-banking system after temporarily leaving e-banking transactions during the use of e-banking or completing such transactions;
    iii. Properly keep and handle all important items or materials relating to e-banking business, such as identity documents, bank card, passbook, USBKey, e-password device, specimen signature and mobile phone, and do not leave them to the safekeeping of any other person or unauthorized personnel, or rent, lend, sell or purchase bank accounts (including bank cards) and their e-banking identity authentication medium; do not leave personal information, including card number, passbook account number, ID card number and frequently called phone number, in unauthenticated website or any other premises so as to prevent them from being misused by other people.
    iv. Take effective measures (e.g. installing and timely updating licensed operating system, anti-virus software and network firewall) to protect the security of computer, mobile phone and other e-banking terminal devices so as to prevent information leakage or manipulation by other people. Do not use internet banking in internet bars where computers and the internet are shared; do not use internet banking through public telephone. Promptly complete e-banking alteration, including mobile banking, ICBC messenger and SMS authentication, etc., after change of mobile phone number.
    v. Log in online banking via www.icbc.com.cn; download mobile banking from the website of ICBC or the application market designated by the device. To use telephone banking, customer shall call 95588 or other designated telephone number published on the website of ICBC. To use SMS banking, customer shall edit short message according to the business rules before sending it to 95588. Other websites, numbers, links or software shall be avoided when logging in e-banking.
    vi. Online payment with ICBC account shall only be made with the chartered institutions that have established online payment cooperation with the Bank. Any other online payment via unauthenticated website or merchants shall be avoided so as to prevent the leakage of password or dynamic password;
    vii. When using e-banking or receiving SMS confirmation code, remote assistance or screen sharing function of operating system and relevant software tools shall not be activated; payment shall not be made before information on beneficiary and payment amount are verified; customer certificate medium such as USBKey shall be retrieved and properly kept after e-banking system is safely exited.
    viii. ICBC will, in no case, request customers to transfer their funds to a designated account by SMS, telephone, email or any other means, nor will it ask customers for bank passwords. If other people (including employees of ICBC) ask you for bank password, please do not provide it. If receiving a short message or an email instructing him/her to enter e-banking password, dynamic password or SMS confirmation code, or requiring him/her to transfer funds to a certain account, the customer must remain vigilant and carefully verify relevant information. For any questions, please inquire through the service hotline 95588 or any ICBC branch.
    ix. When carrying out transfer, remittance and online payment through e-banking channels, customer shall confirm that the payee’s identity is authentic, accurate and legal, and keep from transferring fund to stranger’s account or any account involving illegal activities such as gambling and fraud. When SMS confirmation code is required according to the Bank’s e-banking transaction rules, or USBKey or other authentication is needed to complete a transaction, customer shall carefully check the information such as the payee’s account name and account number displayed in the SMS or USBKey, and operate correctly according to the transaction guide so as to prevent fraud.
    x. Customer shall pay close attention to the changes on account funds, and promptly go through the process for account loss reporting, password resetting and replacement of identity authentication medium if the account is operated by other people, e-banking password is leaked or other suspicious circumstances are found.
    Article 14 ICBC shall assume corresponding responsibilities for customer’s fund losses incurred by the misoperations of its employees or any other faults for which the Bank shall be held liable in accordance with laws.
    Customer shall be liable for the losses incurred by his/her leakage of e-banking password, SMS confirmation code, USBKey and other identity authentication medium, or failure to fulfill the obligations for risk prevention and confidentiality; or by the mobile phone jailbreak or root, downloading and installation of other software, or visit of other websites that contain viruses, Trojans or other malicious programs threatening the information and data security of the customer’s terminal device; or by his/her other faults.
    ICBC shall not be liable for customer losses resulting from force majeure or any event or circumstance beyond the Bank’s reasonable control.
    Article 15 When carrying out e-banking transactions under customers’ authorization, ICBC may, in compliance with laws and regulations, inquire about, collect, retain or use their authorized information, including but not limited to the name, gender, mobile phone number, certificate number, certificate type, certificate validity period, contact address, occupation, nationality, face/fingerprint/voiceprint and other biometrics, bank account number, transaction information, device information and location information related to ICBC services, as well as corporate customer’s enterprise name, uniform social credit code, business license and other license information, etc., according to the business needs such as business application, identification, business handling, and risk monitoring and management. The customer authorizes ICBC, based on the needs of information inquiry, identification, and provision of message push services, location-based services and electronic social security card and other third-party cooperation services, to provide his/her authorization information to the members of ICBC Group (including but not limited to the subsidiaries and affiliates of ICBC), regulatory authorities, judicial organs, arbitration institutions, administrative institutions, bank card organizations, telecommunication operators, partners (including but not limited to third-party service providers), etc., by following the minimum necessity principle.
    Article 16 Customers agree that ICBC may use his/her financial information for marketing, user experience improvement or market survey. ICBC may send information on product and service, marketing, user experience improvement, market survey, etc., to customers through telephone, SMS, 5G message, intelligent service, email, WeChat, ICBC Link or other instant messaging tools.
    Customers may call the service hotline 95588 or adjust or unsubscribe the information through other methods designated by ICBC, if they do not agree with the above authorization.
    Whether customers agree with the above authorization or not, ICBC will continue to provide high-quality services and send prompts including risk alert, service status notice, business processing, repayment reminding, etc..
    Customers may call the service hotline 95588 or adjust or unsubscribe the information through other methods designated by ICBC, if they need to change authorization agreement.
    Article 17 The customer doing e-banking business shall pay relevant fees according to the Price Catalogue for Services of Industrial and Commercial Bank of China published by ICBC. The catalogue is available at ICBC branches and the website (www.icbc.com.cn), etc.. Any change in the items and standards of e-banking charges shall be subject to the latest announcement of the Bank.
    Article 18 Under any of the following circumstances, ICBC is entitled to restrict customer’s e-banking transaction authority, or suspend and terminate relevant e-banking services to the customer:
    i. The customer exploits e-banking system errors or failure for unjustified benefits or incurs losses to other people, or utilizes e-banking in improper transactions for malicious or other unlawful purposes;
    ii. The customer suffers from the events that the e-banking account was stolen andused by a lawbreaker under his/her name, or other events threatening his/her fund security that is anticipated to occur；
    iii. The customer does not use the e-banking services for more than three consecutive years, nor does he/she pay service fees under the Price Catalogue for Services of Industrial and Commercial Bank of China;
    iv. The customer registered e-banking using false or invalid certificates or certificates of any other person;
    v. The customer refuses to supplement and update his/her identity information on record that is incomplete or inaccurate as required by the Bank;
    vi. The customer applies specific terminal information (e.g. mobile phone/telephone number, email address and device identification code) that is wrong to conduct e-banking business, or fails to inform ICBC of such changes in a timely manner, resulting in the inability of the Bank to provide corresponding services to terminal owners;
    vii. The customer is suspected of engaging in illegal acts such as money laundering, illegal fund-raising, online gambling and telecommunication fraud, and refuses to cooperate with ICBC in carrying out due diligence, or any other suspicious matters that cannot be ruled out after due diligence;
    viii. The customer is suspected of renting, lending, selling or purchasing bank accounts (including bank cards) and his/her e-banking identity authentication medium;
    ix. Other circumstances stipulated by national laws and regulations and regulators.
    Article 19 ICBC is entitled to upgrade or adjust the e-banking business functions and relevant transaction rules based on business development, and inform customers by appropriate methods, including announcement on portal and transaction prompts. Customers shall carry out e-banking transactions according to upgraded and adjusted business functions or transaction rules. If a customer does not agree with relevant changes, he/she may cancel e-banking services. Failing to do so, it shall be deemed to have agreed to such changes or amendments.
    Article 20 When doing e-banking transactions, customers shall comply with the relevant e-banking service agreement, user information protection policy and business notice. During the use of e-banking, customers shall also comply with the relevant charters, service agreements or transaction rules, if the service functions used involve other business provided by ICBC; and shall also comply with the transaction rules of the third party in case that a third party is involved.
    Article 21 If customers have any questions or have no access to e-banking services in the process of conducting e-banking transactions, they may consult or complain through ICBC’s branches, website (www.icbc.com.cn) or online customer service of mobile banking , or call ICBC hotline 95588.
    Article 22 Any dispute arising from carrying out e-banking transactions can be solved through consultation with ICBC according to laws, the Charter and relevant service agreements.
    The customer shall assist ICBC in making relevant investigation and be liable for the truthfulness of information provided, in case he/she inform the Bank of any e-banking abnormalities.
    Article 23 The Charter shall be formulated and amended by ICBC. In case of amendment, the Bank will announce the revised Charter through ICBC branches, websites etc. 30 days in advance. During the period of announcement, the customer may cancel e-banking service if he/she disagrees with the revision of the Charter and thus decides not to use e-banking. If the customer does not cancel e-banking service upon expiry of the announcement period, he/she shall be deemed as having accepted the revision.
    Article 24 The Charter shall come into effect on August 8, 2021, and the original Charter shall be annulled simultaneously.