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Charters on E-Banking Business of Bank of China Limtied


 

Article 1 Bank of China Limited (the “Bank”) launches e-banking business under applicable laws, regulations and supervisory systems of the People’s Republic of China. The Bank is committed to integrating electronic information technology with banking businesses and providing safe, convenient and efficient banking services for corporate and personal customers.

Article 2 The Bank provides information inquiry, payment and settlement, wealth management and other financial services through e-banking, such as online banking, telephone banking and mobile banking.

Article 3 Customers who open accounts at the Bank and have good reputation may have access to e-banking.

Article 4 Customers who conduct e-banking business shall comply with applicable laws, regulations, the Charters, and agreements entered between the Bank and the said customers.

Article 5 Customers may apply for e-banking service in any outlet of the Bank or through electronic channels of the Bank as per various business application procedures specified by the Bank. In the event of registration information alteration, e-banking service cancellation and so on, customers shall bring relevant documents to any outlet of the Bank. Some registration information alteration can be made through e-banking.

Article 6 In applying for e-banking services of the Bank, customers shall provide necessary information to the Bank and guarantee that all data provided or filled are true, accurate and complete.

Article 7 According to customer type (corporate or personal), registration status (outlet registration, self registration) and application items, the Bank shall provide customers with corresponding e-banking services, including corporate online banking, personal online banking, telephone banking, mobile banking, etc.

Article 8 For e-banking business of the Bank, identification of customer identity includes user name, account number or a serial umber, while authentification ways of customer identity include static passwords, customer security certificates and dynamic password. Pursuant to various e-banking businesses, the Bank provides customers with different security policies and identity authentification tools to ensure security of customers’ money, transaction and information.

Article 9 It shall be deemed as the conduct of the customer if anyone accesses to the e-banking system of the Bank and uses e-banking services by a correct identification mark and authentification way of customer identity. Electronic records resulted from the aforesaid conduct shall be legal and effective evidence of the transaction.

Article 10 Customers shall make e-banking operations as per business rules and operation manuals on e-banking business. In the event of any problem during e-banking transactions, the customers may consult with Customer Service Center of the Bank or any customer service telephone designated by the Bank, and also may obtain assistance in any outlet of the Bank.

Article 11 When using electronic payment, customers shall pay within their payment capacity with an account in “Normal” status and strictly abide by the relevant laws and regulations on payment and settlement and customers shall not require the Bank to change or cancel electronic payment instructions verified and executed by the Bank.

Article 12 The Bank establishes a charge standard of e-banking services as per relevant laws and regulations in China. Customers shall pay appropriate fees as per the standard in the event of e-banking transaction. It shall be deemed that customers accept the charge standard and manner upon filling in application forms and signing related agreements with the Bank. In the event of any change in the charge standard or manner, the Bank shall make an announcement in advance at its website or outlets, but not notify customer one by one.

Article 13 Customers shall keep their own identity identification marks and certification information or tools properly, and not disclose or inform others. In the event that customer security certificate/dynamic password authentication tools or codes are damaged, lost, forgotten or locked in, customers shall immediately reapply, unlock, report the lost or reset codes; Customers may call Customer Service Center of the Bank to report lost, or to cancel e-banking service; and the Bank shall not be responsible for any loss caused by overdue handling of the aforesaid procedures.

Article 14 Customer security certificates or dynamic passwords shall be used in period of validity. In the event that customers need to continue the use upon expiration of the valid period, they shall log on the online banking of the Bank or go to any outlet of the Bank to renew, change or apply for dynamic password certification tools.

Article 15 During the use of e-banking services, customers shall avoid risks, including but not limited to:

(1) Important information, such as user name, account number, serial number and password for e-banking service, may be guessed, peeped at or stolen through Trojan virus, fake websites, fraud telephones or short messages by others, which may result in severe consequences, including disclosure of customer information, loss of money and malicious operation of accounts.

(2) Customer security certificates and their passwords may be lost, disclosed or stolen by others, which may result in severe consequences, including disclosure of customer information, loss of money and malicious operation of accounts.

(3) Dynamic password certification tools and customer logon passwords may be lost, peeped at or stolen by others, which may result in severe consequences, including disclosure of customer information, loss of money and malicious operation of accounts.

(4) Important information related to e-banking business, such as identity documents, bank cards, bankbooks and corporate signatures/seals on the bank signature card, may be stolen by others, which may result in severe consequences, including false registration or change of e-banking accounts, loss of money and malicious operation of accounts.

(5) Mobile phones and passwords of mobile banking may be stolen or used by others without prior approval, which may result in fund loss of accounts and other consequences. If client changes his mobile phone number without canceling the e-Banking service of short-message-reminding opened with the original mobile phone number, and if the original mobile phone number is used by others, it may cause disclosure of the client’s information.

(6) Client software, such as operating system, antivirus software and network firewall, is not timely updated or loaded with patch programs, which may result in severe consequences, including disclosure of customer information, loss of money and malicious operation of accounts.

Article 16 In order to ensure the safety of e-banking services, customers shall take preventative measures for risks, including but not limited to:

(1) Make good protection of identity identification marks, identity authentification information and tools, such as user names, account numbers, serial numbers and passwords for e-banking service, ensuring that the aforesaid important information and certification tools shall not be stolen or disclosed by oral or in other ways.

(2) Take effective measures on client software, such as operating system, antivirus software and network firewall (e.g. timely update system or load patch programs) to prevent flaws of operating system and to kill virus in electronic equipment.

(3) Log on the Bank’s website http://www.boc.cn, call customer service phones 95566, or send short messages to specific number(s) issued at the Bank website to conduct e-banking business. Do not log on e-banking system through other websites, numbers or links. In the event of any change in the aforesaid website or telephone numbers, the Bank shall make a prior announcement in an appropriate manner, but not notify its customers one by one.

(4) After temporarily leaving from or completing e-banking transactions during the use of e-banking service, customers shall correctly exit from the e-banking system in time. Customers who use customer security certificates shall timely take out their USB-Keys from computers and keep them properly, clearing all operating records left in the electronic equipment immediately upon completion of the transaction.

(5) Do not use e-banking in common computers of internet cafes or other public places, or operate telephone banking through public telephones with functions of saving and displaying input number. Timely change or cancel short message service linked to original mobile numbers before changing the original numbers.

(6) Properly keep customer security certificates, dynamic password authentication tools and important information related to e-banking business, such as identity documents, bankbooks, bank cards and corporate signatures/seals. Do not ask others to keep such materials or not put them in unsafe locations.

(7) Avoid using passwords easily guessed or decoded by others (e.g. birthday, telephone number, other information related to personal information, or orderly figure or letter combination) or setting password for e-banking service as the same as for other usages (e.g. setting e-mail password as e-banking password). Customers shall modify the password regularly or irregularly.

(8) Customers shall always pay attention to any change in their account, and shall immediately contact the Bank through the Customer Service Center or other effective channels in the event that operations or transactions without their own approval are found.

Article 17 The Bank shall be responsible for customers’ loss resulted from noncompliant operations of internal personnel of the Bank or from other reasons specified by applicable laws and regulations. However, the Bank shall not be responsible for customers’ loss resulted from their failure to perform the obligations of risk prevention and to take necessary measures or due to causes unrelated with the Bank.

Article 18 The Bank shall take effective measures to protect the equipment and data of the e-banking system, ensuring the security of operation. In the event that the Bank performs the aforesaid reasonable obligations thus temporarily cannot process partial or all e-banking businesses due to equipment maintenance or repair, failure of equipment and communication lines, power off, power cut, virus outbreak, etc,customers may conduct relevant transactions in any outlet of the Bank or through other channels. The Bank shall not undertake economic or legal liabilities for customers’ loss caused by unpredictable and uncontrollable reasons or accidental factors during transactions.

Article 19 The Bank is entitled to suspend or terminate e-banking service in the following events:

(1) Customers provide fake or false information when applying for or using e-banking service of the Bank;

(2) Customers utilize failure or error of the e-banking system to make illegal benefits or to result in others’ damages, or utilize e-banking to conduct any transactions for illegal purpose.

(3) It actually occurs or may occur that others steal customer identities to utilize e-banking services.

(4) Customers fail to pay service fees in due time, and the balance of their e-banking accounts is not enough to pay such fees.

(5) All accounts registered in e-banking services have been cancelled.
Article 20 For the purpose of avoiding e-banking fraud or as required by competent authorities, the Bank is entitled to monitor operations and transactions conducted by customers through the e-banking system of the Bank.

Article 21 In order to facilitate e-banking transactions of customers, the Bank obtains financial information from the third party and provide for customers at its website and the e-banking system. However, the Bank is not responsible for authenticity, accuracy and integrity of any information obtained from the third party.

Article 22 The Bank is entitled to modify the Charters, supplement provisions or revise relevant agreements and service rules of e-banking according to needs of business development, and shall make a prior announcement in an appropriate manner, but not notify customers one by one. In the event that customers continue to use e-banking services following the effective date, it shall be deemed that they accept the aforesaid amendments or supplements.

Article 23 The Bank is entitled at any time to update the e-banking system and service functions; adding, changing or terminating partial or all e-banking services. In the event that any change in customer account information (including but not limited to customer account number) caused by the update and improvement of system or the shifting and switching of data does not affect the e-banking services for customers, the Bank shall make a prior announcement in an appropriate manner, but not notify its customers one by one. In the event that customers continue to use e-banking services following the effective date, it shall be deemed that they accept the said adjustments.

Article 24 In addition to risk indications in the e-banking agreements and business rules, the Bank shall display various such information in e-banking terminals; and customers shall make correct operations of the e-banking system as per corresponding information.

Article 25 In the event that customers and the Bank have any disputes during e-banking transactions, the customers shall negotiate with the Bank in accordance with laws and regulations, the Charters and applicable agreements. At any circumstance, customers shall not attack the e-banking system of the Bank or damage reputation of the Bank. Otherwise, the Bank shall reserve the right of recovering all losses from customers.

Article 26 All the owner’s rights of e-banking of the Bank (including but not limited to ownership and intellectual property rights) shall belong to the Bank all the time.

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