English Chinese translation sample-Defined Fund Investment Plan-Helpful Tips

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Helpful Tips
In general, investment term is determined by you own. Investment term of "Defined Fund Investment Plan" is 3 years or 5 years. Review your past investment after the plan end. Decide whether or not the fund portfolio in the plan shall be replaced by another new "Defined Fund Investment Plan" based on the performance of the fund. To improve long-term return, ICBC recommends you to notice the following points before signing up a "Defined Fund Investment Plan".
　　☆温馨提示
　　一般来说应根据理财目标的年限定立投资的年限，“定投计划”的投资年限为三年、五年和八年，在到期后应对过去的投资状况作回顾，根据基金的表现确定是否更换定投的基金组合继续开始新一期的投资“定投计划”。为了提高您的长期理财收益，工行建议在办理“基金定投”时注意以下几点：

1. Never try to stop deduction at low price
Business cycles with boom and depression, while stock market also rides with peaks and troughs. The most pessimistic period is usually the time at nadir. And investor always stops deduction at this moment. Since more unit numbers can be bought at the lowest, much more will be gained when waiting till market rebounds. So, never lose big return because of trivial defaults.
　　1. 切忌于低点停止扣款
　　景气有高低循环，股市也有涨有跌，最悲观的时候往往也是最低点的时候，但是投资人却常常在此时停止扣款。由于低点时可买进较多的单位数，等到股市回升后可以享受更优厚的回报，因此万万不可因小失大。

2. Invest long term to see benefits
"Defined Fund Investment Plan" uses the strategy of dollar-cost averaging to minimize risk, which means investment in long term to overcome risk arising from market fluctuations and to gain profit when market rebounds. Stock markets, in China and all around the world, are overall going upswing. Longer investment period can avoid the short-term market fluctuation and earn return in the long run.
　　2. 长期投资方显效益
　　“定投计划”采用平均成本的策略降低投资风险，但相对地也需长期投资，才能克服因市场波动产生的风险，并在市场回升时获取利益。包括国内股市在内，全球股市整体上保持长期上扬的趋势，若是投资期间愈长，就可化解短期股市波动，收取股市长期的获利。

3. The earlier to start, the better
The longer the investment period is, the more obvious the compound interest effect shows, and the more fortune will be accumulated. Therefore, you can achieve what you want sooner if the plan can be started as early as possible.
　　3. 越早开始越好
　　由于投资时间越长，复利效果越明显，所累积的财富也越多。因此如果能够尽早开始定期定额的计划，将可以越早实现理财目标。

English Chinese translation sample-Defined Fund Investment Plan-Operation Guide

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Operation Guide
1. With your valid ID document, Elite Club Account Card or Money Link Card (E-Age Card) , you can complete necessary procedures at ICBC business office.
　　☆操作指南
　　1. 您只需携带个人有效身份证件，持理财金账户卡或灵通卡（e时代卡）到网点柜台办理有关手续即可。

2. Minimum purchase is RMB 200 every month. Difference in investment amount class is RMB 100. Currently, ICBC introduces types of products, 3-year term and 5-year term (Product Code: 361 and 601) respectively. Transfer periods for each are both one month.
　　2. 基金定投业务的每月最低申购额为200元人民币，投资金额级差为100元人民币。目前，工行推出投资期限为3年、5年和8年的三种基金定投品种（分别对应的基金定投品种代码为361、601和961），划款期限皆为一个月。

3. Fund shares successfully purchased and confirmed through Defined Fund Investment Plan can be redeemed at anytime. Investor uses valid ID document and Fund Trading Card to process redemption at the ICBC business office where fund service available during processing hours.
　　3. 对通过基金定投申购并确认成功的基金份额，投资人可以在业务受理时间内随时持本人有效身份证件和基金交易卡到当地工行代理基金业务网点办理基金赎回业务。

4. Buying fund under Defined Fund Investment Plan must follow the same principles of "Unknown Price" and "Amount Purchased" as in all other fund purchases. "Unknown Price" means that NAV of fund shares on the actual deduction day is used as benchmark for calculation.
　　4. 与一般申购一样，基金定投申购需遵循“未知价”和“金额申购”的原则。“未知价”是指投资人办理基金定投申购业务后，以实际扣款当日的基金份额净值为基准进行计算。

5. No additional charge. Charge rate under Defined Fund Investment Plan is the same as all other fund purchases (except in promotion activities).
　　5. 基金定投业务不收取额外费用，各基金的基金定投具体收费方式及费率标准与一般申购相同（优惠活动除外）。

6. If the application is lodged within official trading hours, ICBC system will draw from the bank account designated by investor on the date of application. If the application is lodged after official trading hours, ICBC system will draw on the next day, starting from the first working date of second fixed period after investor signed up the plan. If the balance in the account designated by investor is insufficient during official trading hours, ICBC system will continue to make deduction automatically on the next day, and use NAV of fund on the actual deduction day to calculate confirmed shares.
　　6. 投资人申请开办基金定投后，如开通申请在法定交易时间内，则银行系统于申请当日从投资人指定的资金账户扣款；如开通申请在法定交易时间之后，则银行系统于交易申请次日从投资人指定的资金账户扣款。从投资人开办基金定投业务第二个固定期限的首个工作日起，银行系统开始从投资人指定的资金账户扣款，如当日法定交易时间内投资人指定的资金账户余额不足，银行系统会自动于次日继续扣款，并按实际扣款当日基金份额净值计算确认份额。

7. Two ways for investor to stop the plan: One is that investor takes the initiative to apply to Fund House through ICBC. Plan stops after confirmation from Fund House. The other is that after investor signed up the plan, balance in the account for deduction specified by investor is insufficient. Moreover, investor did not make up the shortfall timely as agreed. The plan cannot continue. System will record how many times investor default, and will automatically terminate the plan if investor defaults over 3 times. The default times is calculated in the following way: if investor's account balance within this period is not enough, deduction for purchase of this period is unsuccessful. Add 1 to the number of default times. In the next period, System not only makes deduction for the previous period, but also dose for current period. The number will be subtracted once if both deductions are successful, or the number remained unchanged if deduction for previous period is successful but unsuccessful for current period. Add once again if both deductions are unsuccessful. The same rule is applicable to all the forth going periods.
　　7. 投资人退出基金定投业务有两种方式：一种是投资人通过中国工商银行向基金管理公司主动提出退出基金定投业务申请；并经基金管理公司确认后，投资人基金定投业务计划停止。二是投资人办理基金定投业务申请后，投资人指定的扣款账户内资金不足，且投资人未能按照约定及时补足申购资金，造成基金定投业务计划无法继续实施时，系统将记录投资人违约次数，如违约次数达到三次，系统将自动终止投资人的基金定投业务。违约次数计算方法如下：若投资人本期内的资金账户余额不足，则本期扣款申购不成功，违约次数加一。在下一期次内，系统不仅要补扣上期申购款，还要扣取本期申购款，若补扣申购和本期扣款申购两者都成功，违约次数减一；若补扣申购成功且本期扣款申购不成功，违约次数不变；若补扣申购和本期扣款申购两者都不成功，违约次数再加一；依此类推。

8. If deposit has not been made timely for deductions within the period, investor can deposit into specified bank account for both previous and current period. NAV of fund on the actual deduction day is used to calculate confirmed shares.
　　8. 若投资人在计划期内未及时交纳基金定投业务计划所规定的款项时，投资人可将上期未交款项与本期应扣款项同时存入指定的资金账户，并均按实际扣款当日基金份额净值计算确认份额。

English Chinese translation sample-Defined Fund Investment Plan-List of Products

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ List of Products
ICBC Credit Suisse Core Value Fund (Fund Code: 481001)
Guang Fa Stable Fund (Fund Code: 270002)
Rong Tong Blue-chip Growth Fund (Fund Code:161605)
　　☆“基金定投”产品列表
　　 基金代码 基金名称
481001 工银瑞信核心价值基金
270002 广发稳健基金
161605 融通蓝筹成长基金

Nuoan Balanced Fund (Fund Code:320001)
Boshi Selective Stock Fund (Fund Code:050004)
China Southern Baoyuan Bond Fund (Fund Code: 202101)
320001 诺安平衡基金
050004 博时精选股票基金
202101 南方宝元债券基金

Guang Fa Wealth Fund (Fund Code:270001)
SYWG BNP Paribas Shengli Selective Fund (Fund Code: 310308)
Huaan MSCI China A Share Index Strength Fund (Fund Code: 040002)
270001 广发聚富基金
310308 申万巴黎盛利精选基金
040002 华安MSCI中国A股指数增强型基金

Allianz Desheng Stable Fund (Fund Code: 255010)
China Southern Stable Growth Fund (Fund Code: 202001)
Rong Tong Shenzhen Stock Exchange 100 Index Fund (Fund Code: 161604）
255010 国联安德盛稳健基金
202001 南方稳健成长基金
161604 融通深证100指数基金

Baoying Pan-Coastal Areas Growth Stock Securities Investment Fund (Fund Code: 213002)
Soochow-Golden Harvest Advantaged Selection Balanced Open-end Securities Investment Fund (Fund Code: 580001)
Fullgoal Tianhui Selection Growth Balanced Securities Investment Fund (Fund Code: 161005)
213002 宝盈泛沿海区域增长基金
580001 东吴嘉禾优势精选基金
161005 富国天惠精选成长基金

ICBC Credit Suisse Selected and Balanced Hybrid Fund (Fund Code: 483003)
GF Jufeng Stock Securities Investment Fund (Fund Code: 270005)
UBS SDIC Core Companies Equity Fund (Fund Code: 121003)
483003 工银瑞信精选平衡基金
270005 广发聚丰基金
121003 国投瑞银核心企业基金

China Universal Advantaged Selection Balanced Securities Investment Fund (Fund Code: 519008)
INVESCO Great Wall Burgeoning Growth Stock Securities Investment Fund (Fund Code: 260108)
Nanfang Listed Open-ended Fund (Fund Code: 160105)
519008 汇添富优势精选基金
260108 景顺长城新兴成长基金
160105 南方积极配置基金

Lion Stock Securities Investment Fund (Fund Code: 320003)
Penghua Industrial Growth Fund (Fund Code: 206001)
RongTong JvChao 100 Index Securities Investment Fund (Fund Code: 161607)
320003 诺安股票基金
206001 鹏华行业成长基金
161607 融通巨潮100指数基金

SYWG BNP Paribas New Dynamical Stock Securities Investment Fund (Fund Code: 310328)
E Fund Value Selection Stock Securities Investment Fund (Fund Code: 110009)
BOC International Chinese Selections Balanced Open-end Securities Investment Fund (Fund Code: 163801)
310328 申万巴黎新动力基金
110009 易方达价值精选基金
163801 中银国际中国精选基金

☆ Service Channel
Please come to ICBC business office to sign up the Plan.
　　☆服务渠道
　　我行营业网点、网上银行均可办理“基金定投”业务。

English Chinese translation sample-Defined Fund Investment Plan-Features

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Features
First - Easy to apply, investment automatically. Once applied, ICBC automatically makes transfer for you every month. No need to worry when to subscribe, and a great convenience service to make investment.
　　☆服务特色
　　一快：手续简便、自动扣款。
　　您一次申请后，每月银行自动划账，您不必考虑申购时点，极大地方便了您的投资。

Second - Low starting amount, and low risk. Minimum purchase amount is only RMB 200 per month, which is not a great burden. More shares can be bought when fund's NAV declines and the less can be bought when NAV rises. In this way, investment cost and risk can be shared over time.
　　二低：起点低、风险低。
　　基金定投的最低申购额每月仅需200元，不会使您有过大经济负担。每月采取固定金额投资，当基金净值下跌,所购买的基金份额愈多；基金净值上升,所购买的基金份额愈少,由此产生平摊投资成本和降低风险的效应。

Third - Save for the Future. Expert service to Financing Management, ICBC User-friendly Services.
　　三多：坚持储蓄，积少成多；专家理财，受益良多；工行服务，便利更多。

Save for the Future: The reason why Defined Fund Investment Plan can "Save to the Millionaire"is due to that its compound interest effect is higher than savings deposit and Treasury bond.
　　坚持储蓄，积少成多：基金定投之所以能实现“小积累、大财富”的理财目标，关键在于其复利效应高于各种储蓄存款和国债。

Expert service to Financing Management: Launch of Constant Dollar Plan enables ICBC customers to participate in fund investment with small amount. Fund products selected under this plan all have distinctive investment performances and product features. Choice of investing in this type of selective mature products can bring more return. Further, all earnings from this Plan are totally tax-free.
　　专家理财，受益良多：基金定投的推出，实现了我行客户用较小金额便可参与基金投资的理财需求。我行基金定投业务选出的基金产品都具有突出的投资业绩或鲜明的产品特性，选择这类精选成熟产品，将为您带来更多收益。而且，您参加基金定投获得的投资收益完全免税。

ICBC Great Services: Currently, other sales agency in China can only deduct money on a fixed date every month. But ICBC allows customers to choose different dates in each month for deduction, providing more flexibility and tailor-made service.
　　工行服务，便利更多：目前国内其他代销机构只能固定在每月的某日划款，我行可由客户自主决定每月不同的划款日，划款弹性更大，给您提供了个性化的投资理财服务。　　

English Chinese translation sample-Defined Fund Investment Plan -Introduction and advantages

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

Defined Fund Investment Plan
☆ Introduction
A service for investor to buy a fixed sum of fund product that ICBC represents at regular intervals within a certain investment period, or simply speaking, a kind of finance service similar to Club Deposit. Starting from the second day after signing up the service, ICBC system automatically make deduction on the first day of each month based on the amount and investment years you stated. Deduction will be continued on the next day if the balance in the account is not enough. Minimum investment for monthly deduction is RMB 200. Procedure for trading hours, charges, purchase price and redemption of fund are the same as fund purchase.
基金定投
　　☆服务简介
　　基金定投计划是指在一定的投资期间内，投资人以固定时间、固定金额申购银行代销的某支基金产品的业务。简单的说是类似于银行零存整取的一种基金理财业务。您开通基金定投后，我行系统会根据您申请的扣款金额、投资年限，自动每月扣款。从您开通基金定投业务的第二月起，我行系统根据您申请的金额、年限，自动每月第一天开始扣款，若账户余额不足，将在第二天继续扣款。每月投资最低扣款金额只需200元。交易时间、交易费用、购买价格、基金的赎回一般与正常申购相同。

Defined Fund Investment Plan has the following advantages:
1. To minimize risk through reducing investment cost over time by dollar-cost averaging.
For a single investment, the plan is as a mid/long-term investment. Every month a fixed deduction is made regardless of market movements. The investor needs not to worry about selecting the right time. Investment cost is reduced by the technique of long-term averaging. Fewer shares acquired when fund's NAV goes up and more acquired when NAV goes down. In this way, investment cost and risk is naturally shared over time.
　　基金定投计划有如下几个优点：
　　1. 利用平均成本法摊薄投资成本，降低投资风险
　　对于单笔投资，定期定额属于中长期的投资方式，每月固定扣款，不管市场涨跌，不用费心选择进场时机，运用长期平均法降低成本。类似银行的零存整取，不论市场行情如何波动，定期买入定额基金；基金净值上扬时，买到较少的单位数，反之，在基金净值下跌时，买到较多的单位数。长期下来，成本及风险自然摊低。

Long market (Prices of stocks go up) Short market (Prices of stocks go down)
Sum invested at regular interval Unit Price Units Bought Unit Price Units Bought
￥1,000 ￥1.00 1,000.00 ￥1.00 1,000.00
￥1,000 ￥1.02 980.39 ￥0.98 1,020.41
￥1,000 ￥1.05 952.38 ￥0.95 1,052.63
￥1,000 ￥1.05 952.38 ￥0.95 1,052.63
￥1,000 ￥1.08 925.93 ￥0.92 1,086.96
Total ￥5,000 Total 4,811.08 Units Total 5,212.63 Units
Average Unit Cost ￥1.0392
=（￥5,000/4,811.08）
￥0.9592
=（￥5,000/5,212.63）
Average Market Price ￥1.0400=（1.00+1.02+1.05+1.05+1.08）/5
￥=0.9600（1.00+0.98+0.95+0.95+0.92）/5
多头市场（股票上涨时） 空头市场（股票下跌时）
定期投资金额 单位价格 购得单位数 单位价格 购得单位数
￥1,000 ￥1.00 1,000.00 ￥1.00 1,000.00
￥1,000 ￥1.02 980.39 ￥0.98 1,020.41
￥1,000 ￥1.05 952.38 ￥0.95 1,052.63
￥1,000 ￥1.05 952.38 ￥0.95 1,052.63
￥1,000 ￥1.08 925.93 ￥0.92 1,086.96
合计￥5,000 合计4,811.08单位 合计5,212.63单位
平均单位成本 ￥1.0392
=（￥5,000/4,811.08）
￥0.9592
=（￥5,000/5,212.63）
平均市价 ￥1.0400
=（1.00+1.02+1.05+1.05+1.08）/5
￥0.9600
=（1.00+0.98+0.95+0.95+0.92）/5

The above table clearly shows the result of a fixed sum of RMB 1,000 investment every month, in which the average cost of fund is below average market price regardless of long or short market. Investor can remain calm even in short market since more shares can be bought at the same cost within this period. Even more profit once long market arrives after short market comes to an end.
　　由上表可以很清楚地看到，每个月固定投资1,000元的结果是，不论多头或空头市场，所取得基金的平均成本都比平均市价低，所以投资者利用定期定额方式投资开放式基金，即使面临空头市场也不必惊慌，因为在这段时间里，以一样的成本反而可以买到较多的单位数，一旦空头市场结束，多头市场来临，获利则更为可观。

2. No need to consider when to invest
To invest means "To buy at low price, and to sell at high one", but quite a few can catch the best time to buy and sell. Main reason behind is that common investors always fall into the blind spot - "Go out for profit, Stay away from loss". When the market lapsed into dismay and bearish, investor procrastinates and delays, though it is understood that this may be a good time to invest. Similarly, when a market distinguished by rising prices, most people can't help but keep on dumping money with a thought that profit has already attained. When new rounds flood in, everybody rushes to invest, making it difficult to make intelligent investment or trading decisions. To avoid losing track, investors can invest without clouding judgment with emotion through this plan. It doesn't matter when to invest, nor what the market price is. The short periods of fluctuations in stock market won't affect the long-term strategy.
　　2. 完全不用考虑投资时点
　　投资的要诀就是“低买高卖”，但却很少有人可以在投资时掌握到最佳的买卖点获利，其中最主要的原因就是，一般人在投资时常陷入“追高杀低”的盲点中，因为在市场行情处于低迷时，即使投资人知道是一个可以进场的时点，但因为市场同时也会陷入悲观的气氛当中，而让许多投资人望而却步；同样，在大盘指数处于高位时，眼见股价屡创新高，许多人即使已从中获利，也会忍不住地将钱再次投入股市，而新的资金也会不断地涌入，制造热烈的投资气氛，让人难以理性判断投资行情。因此，为避免这种人为的主观判断，投资者可通过“定投计划”来投资股市，不必在乎进场时点，不必在意市场价格，无需为股市短期波动改变长期投资决策。

3. Small money for large investment
"Don't put all your eggs in one basket" is a rule of thumb to share risk. However, it needs a large capital to invest in different quality stock under limited fund . Since fund itself means to invest using money collection, investor can use a fraction to invest in different stocks. Under Constant-Dollar Plan, money needed for investment is even less, with a minimum of only RMB 200 per month. Investor can personally add the amount when future income improved. The plan is very suitable for white collars or persons with fixed income every month.
　　3. 积小成多，小钱也可以作大投资
　　“不要把所有鸡蛋放在同一个篮子里”是分散投资风险的一个重要法则，然而在资金有限的情况下，投资不同行业的绩优股需要有庞大的资金。由于基金本身就是集合众人的资金来投资，因此基金投资人便可将极少的投资资金分散在不同的股票投资上。而以定投方式投资基金，所需的资金更低，每个月最低只需要200元即可，投资人还可视自身的状况，在未来收入增加时，随之增加定期定额的投资金额，非常适合上班族或每个月有固定收入者来利用。

4. Compound effect in long-term
Return from "Defined Fund Investment Plan" shows a compound interest effect. Interests gained on principal together with the earnings continuously derived shows an obvious compound effect as time goes by. "Defined Fund Investment Plan" needs longer time to show this effect, and it is not a good move to terminate the plan while the market in short swings. As long as market remains buoyant, short-term downside is a good time to accumulate more unit numbers at a lower price. Once the market rebound, unit number accumulated over a period can be used to gain profit in one slot. The plan should be targeted at savings for children's education and pension in the mid/long term.
　　4. 复利效果长期可观
　　“定投计划”收益为复利效应，本金所产生的利息加入本金继续衍生收益，通过利上加利的效果，随着时间的推移，复利效果越明显。定投的复利效果需要较长时间才能充分展现，因此不宜因市场短线波动而随便终止。只要长线前景佳，市场短期下跌反而是累积更多便宜单位数的时机，一旦市场反弹，长期累积的单位数就可以一次获利。理财目标则以筹措中长期的子女教育金、退休金较为适合。

English Chinese translation sample-Open-ended Funds-Additional Services and Helpful Tips

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Additional Services
1. Self-Subscribe information on Fund NAV through ICBC Internet Banking.
2. Custody transfer service for fund, through which fund shares under your name can be traded in other cities.
3. Services to convert some of the funds.
　　附加服务
　　1. 您可通过我行网上银行自助申请定制基金净值信息。
　　2. 我行为您提供基金转托管服务，如有需要您可通过转托管交易将名下的基金份额转到异地进行交易。
　　3. 我行还为您提供部分基金的转换业务。

☆ Helpful Tips
1. Trading Hours is 9:30 – 15:00 on every Mon. –Fri., except national holidays.
2. Only one Fund Trading Account can be opened in one region. Opening of account is not limited in trading hours. Each Fund House can only open one TA Account. The hours to open TA Account is usually as the same as the trading hours of Fund House.
　　☆ 温馨提示
　　1. 基金交易日为每周一至周五，法定节假日除外，交易时间一般为每天9：30-15：00。
　　2. 在同一个地区，只能开立一个基金交易账户，开户不受基金交易时间限制。在一个基金公司只能开立一个TA账户，基金TA账户的开户时间与基金公司的交易时间相同。

3. Charges can be levied through front-end load and back-end load. Front-end load will have charge levied when subscribing or buying fund. Back-end load will not have charge levied when subscribing or buying fund, but levied when redeeming fund. Charge decreases year-to-year with the years of holding the fund increasing. See notices from Fund House on the details of front-end load and back-end load.
　　3. 基金的手续费分为前端收费和后端收费。其中，前端收费是指当您认购、申购基金时，须缴纳手续费；后端收费是指当您认购、申购基金时，不需要交纳手续费，但在赎回时缴纳手续费，且随着持有基金年限的增加，手续费逐年递减；前、后端收费的详情请您垂询各基金管理公司的相关公告信息

English Chinese translation sample-Open-ended Funds-Operation Guide

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Operation Guide
1. Account Opening
(1) Flow of opening account online　Flow Chart>> (Chinese Version)
(2) Account Opening at ICBC business office
You can open fund account at ICBC business office with your own valid ID document and Peony Card.
　　☆ 操作指南
　　1. 基金开户
　　（1）网上开户流程　查看流程>>
　　（2）营业网点开户
　　 携带本人有效身份证件和牡丹卡到工行营业网点办理基金开户。

2. Fund Subscription and Purchase
Fund Subscription: To buy fund during offering period, and to sell fund subscribed after that period. Initial subscription amount is the integral multiple of individual minimum but not over the required maximum. Additional subscription = individual minimum additional + trading class difference x N (N is an integer).
　　2. 基金认购或申购
　　基金认购是指购买正处在发行期内的基金，认购的基金在发行期不能卖出。初始认购金额为个人最低认购金额的整数倍，但不能高于最高认购金额；追加认购金额=个人最低追加认购金额+交易级差×N（N为整数）。

Fund Purchase: To buy fund after offering period, and to sell fund purchased at anytime. Initial purchase amount = individual minimum + trading class difference x N (N is an integer). Additional purchase = individual minimum additional + trading class difference x N (N is an integer).
　　基金申购是指购买发行期已结束的基金，申购的基金可以随时卖出。首次申购金额＝个人最低申购金额＋交易级差×N（N为整数）；追加申购金额＝个人最低追加申购金额＋交易级差×N（N为整数）。

(1) To subscribe and buy online　Flow Chart>> (Chinese Version)
(2) To subscribe and buy through Telephone Banking　Flow Chart>> (Chinese Version)
(3) To subscribe and buy at ICBC business office
With your valid ID document and Fund Account Card, you can subscribe the fund by filling out a Fund Subscription (Purchase) Application Form at ICBC business office. After ICBC complete handling the application, investor can check the result and confirm the shares of fund you subscribed.
　　（1）网上认购或申购　查看流程>>
　　（2）电话认购或申购　查看流程>>
　　（3）营业网点认购或申购
　　请携带本人有效身份证件和基金账户卡到工行营业网点，然后填写基金认（申）购申请表，柜台受理认（申）购申请，柜台处理完毕后，投资人查询结果并确认基金份额。

3. Fund Redemption
To sell your own fund shares at a certain price to Fund Manager during fund duration and collect cash. Fund shares remained after redemption cannot less than the minimum amount specified by Fund House. Fund not approved by Fund House cannot be redeemed.
　　3. 基金赎回
　　赎回是指在基金存续期间，将手中持有的基金份额按一定价格卖给基金管理人并收回现金的行为。赎回后的剩余基金份额不能低于基金公司规定的最小剩余份额；未被基金公司确认的基金不能做赎回业务。

(1) Redeemed online　Flow Chart>> (Chinese Version)
(2) To redeem through phone　Flow Chart>> (Chinese Version)
(3) To redeem at ICBC business office
You can redeem at ICBC business office with your valid ID document and Elite Club Account Card (or Peony Money Link Card, Peony Money Link Card•e-age).
　　（1）网上赎回　查看流程>>
　　（2）电话赎回　查看流程>>
　　（3）营业网点赎回
　　携带本人有效身份证件和理财金账户卡（或牡丹灵通卡、牡丹灵通卡e时代）到工行营业网点办理。

4. Fund trading details enquiry
Since trading data from Fund House cannot be transmitted at real time, details of subscription and redemption can only be available for enquiry after T+2 days (T= the day of trade). Fund subscription can only be checked after offering period.
　　4. 基金交易明细查询
　　由于基金公司的交易数据不能实时传送，基金申购、赎回等交易明细，需要在T+2日以后方可查询（T为交易当天）。对于认购交易的基金，需要待该基金发行期满以后，才能查询。

(1) To Enquire online　Flow Chart>> (Chinese Version)
(2) To enquire through phone　Flow Chart>> (Chinese Version)
　　（1）网上查询　查看流程>>
　　（2）电话查询　查看流程>>

5. Fund Account Loss Report
Temporary loss report can be made through Internet Banking and Telephone Banking , which is valid for 5 days in general. Please go to ICBC business office to make loss report in writing within 5 days, or the temporary one will invalid after 5 days.
　　5. 基金账户挂失
　　网上银行和电话银行可办理临时挂失。挂失有效期一般为5天，请您在五日内到工行营业网点办理书面挂失手续，过期挂失即失效。

(1) To report loss online　Flow Chart>> (Chinese Version)
(2) To report loss through telephone　Flow Chart>> (Chinese Version)

If the Card Number (Account Number) of the lost card (passbook) is forgotten, call 95588, press 9"Operator Service" to report the loss.
(3) To report loss at ICBC business office
Make the loss report at the Counter in ICBC office with your valid ID document.
　　（1）网上挂失　查看流程>>
　　（2）电话挂失　查看流程>>
　　如果您遗忘了丢失卡（存折）的卡号（账号），也可通过拨打95588，选9“人工服务”完成挂失。
　　（3）营业网点挂失
　　持本人有效身份证件到柜面办理。

English Chinese translation sample-Open-ended Funds -Features

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Features
1. Rich variety of products
Open-ended funds that ICBC represents cover major types of fund in China: Stable Fund, Bond Fund, Index Fund, Capital-Protected Fund, i.e. over 50 investment varieties offered to carter to customer’s different risk preferences.
　　☆ 服务特色
　　1. 基金品种丰富。我行代销的开放式基金涵盖了稳健型基金、债券型基金、指数基金、保本基金等国内主要基金品种，基金投资品种多达50余支，可满足不同风险偏好客户的需求。

2. Wide coverage of sales offices
ICBC business offices all over China are all ready to offer great convenience in fund subscription and redemption.
　　2. 代销网点分布广泛。遍布全国的营业网点均可为您办理开放式基金的购买和赎回等业务，为您的投资提供最大便利。

3. Powerful E-banking functions
ICBC Internet Banking offers a series of fund investment services under 5 categories of functions--account management, fund trading, fund enquiry, information download and report loss of fund account. Through these services, fund account can be immediately used once opened, and you can trade easily, and check the fund assets clearly. Some branches even offer services of subscription, purchase and redemption through Telephone Banking.
　　3. 电子银行功能强大。我行网上银行为您提供了基金投资的系列服务，如账户管理、基金交易、基金查询、基金资料下载和基金账户挂失等5大类功能，基金账户即开即用，基金买卖轻松完成，资产状况了然于胸。部分分行还可通过电话银行办理基金认购、申购、赎回等业务。

☆ List of Fund Products
　　☆ 基金产品列表　基金产品净值

☆ Service Channel
Services are provided at ICBC business office, through Internet Banking or Telephone Banking. To save your time, ICBC recommends you to trade through Internet Banking or Telephone Banking.
　　☆ 服务渠道
　　您可以通过营业网点、网上银行、电话银行办理基金业务。为了节省您的宝贵时间，工行建议您通过网上银行和电话银行办理。

English Chinese translation sample-Open-ended Funds- Introduction

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

Open-ended Funds
☆ Introduction
A security investment fund that offering varies when selling shares to investor and buying back shares when investors wish to sell. Investor can freely buy and sell open-ended funds at ICBC business office on the required date. Open-ended funds is applicable in Peoples' Republic of China and currently accepts trading in RMB only.
开放式基金
　　☆ 服务简介
　　开放式基金指基金发行规模可以随着投资人申请购买和要求赎回而随时变动，投资人可以在基金契约规定的开放日到银行网点自由买入或卖出的一种证券投资基金。开放式基金适用于中华人民共和国境内，目前只接受人民币业务。

1. Investor
A person invests in fund, and is the owner of fund asset and beneficiary of investment return from fund. Fund investor should be natural person or legal person in Peoples' Republic of China (except those being forbidden by laws, regulations and rules).
　　开放式基金业务主体包括：
　　1. 投资人：基金投资人是基金出资人，基金资产所有者和基金投资收益受益人。基金投资人应为中华人民共和国境内的自然人和法人(法律、法规及有关规定禁止购买者除外)。

2. Manager
An agency that professionally engaged in management and investment of fund asset.
2. 管理人：基金管理人是专业从事基金资产管理的机构，基金管理人负责基金资产投资运作。

3. Custodian
Usually professional financial agency such as commercial bank with certain conditions，responsible for keeping fund asset safe.
　　3. 托管人：基金托管人通常由具备一定条件的商业银行等专业性金融机构担任，负责保管基金资产。

4. Sales agency
Except direct sales by fund manager, sales of fund can also be made by commercial bank or other agency approved by regulatory commission.
4. 销售机构：除基金管理人直接销售外，基金的销售可由商业银行及其他监管部门批准的机构完成。

5. Registering Agency
An agency for registration, responsible for opening and management of investors' fund unit account, registration of fund units, confirmation of fund trades, distribution of bonus, building up and keeping a roll of investors.
　　5. 注册登记机构：是办理注册登记的机构，负责投资人基金单位账户的开立和管理，负责基金单位的注册登记，基金交易确认，代理红利发放及建立并保管投资人名册等服务。

English Chinese translation sample-"Gold Expert" Personal Account Gold Trading-Helpful Tips

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Helpful Tips
1. "Gold Expert" trades under firm bidding/asking. First transaction must be buy gold purchase. Gold you bought will be under the custody of ICBC, and no real gold can be drawn. Gold can be sold through ICBC to get back the money you invested.
　　☆ 温馨提示
　　1. “金行家”业务属于实盘买卖业务，您的第一笔交易必须为买入黄金，您买入的黄金由我行托管，不能提取实物黄金，您可通过我行卖出账户黄金，收回资金。

2. Trade at Counter and through Telephone Banking can enter only the buying/selling quantity of gold (ounce) or gold (gram), not the investment amount.
　　2. 您通过柜面和电话银行进行账户金买卖时，只能输入需要卖出或买入的黄金（盎司）或黄金（克）数量，不能输入资金金额。

3. Trade gold (gram)/RMB through Internet Banking and self-service terminal can enter only buying/selling quantity, not the investment amount. To trade gold (ounce)/USD through Internet Banking and self-service terminal can enter buying/selling quantity, as well as the buying/selling USD amount. When you sell US dollars and buy gold (ounce), ICBC calculates at cross rate the maximum amount of gold (ounce-up to second place after decimal point, no rounding) can be bought based on the USD amount entered and at real time price (or price given in the order), and be automatically deducted accordingly from the USD amount entered.
　　3. 您通过网上银行和自助终端进行账户金买卖时，对于黄金（克）/人民币交易，只能输入需要卖出或买入的黄金（克）数量，不能输入资金金额；对于黄金（盎司）/美元交易，既可以输入卖出或买入的黄金（盎司）数量，也可以输入卖出或买入的美元金额。当进行卖出美元买入黄金（盎司）的交易时，我行系统将根据您输入的美元金额和实时价格（或委托价格），套算出您最多可以买入的黄金（盎司）金额（盎司保留至小数点后2位，不进行四舍五入），并自动对您先前输入的美元金额进行相应扣减。

4. "Gold Expert" is cleared in T+0 days, or gold can be sold on the same day you bought it, without restriction on the time you buy and sell.
　　4. “金行家”业务实行T+0的清算制度，即您当天买入的黄金当天就可以卖出，且不限次数。

5. Only one gold trading account can be opened in the same region. Account can be opened 24 hours online.
　　5. 在同一个地区，只能开立一个黄金交易账户，在网上开户，全天24小时均可办理。

English Chinese translation sample-"Gold Expert" Personal Account Gold Trading-operation guide

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Operation Guide
1. When applying for "Gold Expert" service, specify or open a new multi-currency current account as the settlement account to reflect bank balances during trading. When applying for trading gold (ounce)/USD under personal account, specify or open a new multi-currency current account as the settlement account. When applying for trading gold (gram)/RMB, specify or open a new basic account under Peony Money Link Card (or Elite Club Account Card, Peony Money Link Card•e-ages )the bank account. Domestic individuals and those from abroad holding their valid ID document and legitimate funds (RMB or USD) are all eligible to apply for this service.
　　☆ 操作指南
　　1. 您在我行办理“金行家”业务，须指定或新开立一个多币种活期基本户作为资金结算账户，反映您在账户黄金买卖过程中的资金变动情况。您在我行申请办理个人账户黄金（盎司）/美元买卖业务，可指定或新开立一个多币种活期基本户作为资金结算账户。申请办理个人账户黄金(克)/人民币买卖业务，可指定或新开立一个牡丹灵通卡（或理财金账户卡、牡丹灵通卡e时代）的基本账户作为个人账户黄金买卖的资金账户。凡持有本人有效身份证件的境内外个人，均可凭其合法拥有的资金（人民币或美元）在我行办理个人账户黄金买卖业务。

2. Initial Trading Amount and Minimum Measure Unit
Starting amount of each trading in gold (gram)/RMB is 10 gm, and minimum unit is 1 gram. Starting amount of each trading in gold (ounce)/USD is 0.1 ounce, and minimum unit is 0.01 ounce.
　　2. 起始交易金额和最小计量单位
　　黄金（克）/人民币买卖业务每笔交易起点金额为10克黄金，交易最小计量单位为1克；黄金（盎司）/美元买卖业务每笔交易起点金额为0.1盎司黄金，交易最小计量单位为0.01盎司。

3. Trading Hour
Trading hour for immediate trade and order placing at the Counter is Monday to Friday during ICBC business office working hours. Trading hours for immediate trade and order placing through Telephone Banking, Internet Banking, Self-Service Terminal is 24 hours, without interval, from Monday 7:00 AM till Saturday 4:00 AM (to see local ICBC’s regulation for detail hours). Notice will be announced at ICBC business office Counter, Telephone Banking, and Internet Banking in case of public holiday or special occasions.
　　3. 交易时间
　　您通过柜面进行账户黄金买卖业务的即时交易、委托交易时间为周一至周五我行营业网点的营业时间；您通过电话银行、网上银行、自助终端等离柜形式办理账户黄金买卖业务的即时交易、委托交易时间为周一早七点至周六凌晨四点（具体交易时间以当地工行实际规定为准），期间实行24小时不间断。如遇我国公共假日或其他特殊情况，我行将在柜台网点、电话银行、网上银行发布通知。

4. Quotes
Buying/Selling price of gold (gram)/RMB is quoted following international gold prices (USD/Ounce) at USD/RMB middle cross-rate. with pips spread added to or subtracted from Currency code of gold (gram) is 901, abbreviated in English as AUG.
Buying/Selling price of gold (ounce)/USD is quoted by referencing international gold prices (USD/Ounce) with pips spread added to or subtracted from. Currency code of gold (ounce) is 801, abbreviated in English as XAU.
Quotes of gold (ounce)/USD is the same either in F/X or in cash.
　　4. 报价方式
　　黄金（克）/人民币买卖报价根据国际市场金价（美元/盎司）及美元/人民币中间价套算并加减相应点差制定。黄金（克）的币种代码为901，英文缩写AUG。
　　黄金（盎司）/美元买卖报价引用国际市场金价（美元/盎司），加减相应点差进行报价。黄金（盎司）的币种代码为801，英文缩写XAU。
　　黄金（盎司）/美元的报价实行钞、汇统一价。

5. Ways to trade
Two ways: Immediate execution and placing order. The order placed includes profit-making order, stop-loss order or two-way order. Order not closed can be cancelled during effective period. Immediate trading, order placing, price enquiry, account enquiry and details enquiry can be done at the Counter or through Telephone Banking and Internet Banking. Immediate trading, price enquiry and account enquiry can be done at self-service terminal.
　　5. 交易方式
我行账户黄金买卖方式包括即时交易和委托交易，委托交易类型包括获利委托、止损委托和双向委托。在委托有效期内，您还可以撤销未成交的委托交易。您通过柜面、电话银行和网上银行可以进行账户金的即时交易，委托交易，价格查询，账户查询和明细查询；通过自助终端可以进行账户金的即时交易，价格查询和账户查询。

Bank balance should be enough to settle the gold bought through immediate trading or order placed. So dose the gold balance. Otherwise your request or order will be void.
您即时买入黄金或委托买入黄金时，对应的资金账户余额应能满足该交易的资金清算需要，否则您的交易请求或委托无效；您即时卖出黄金或委托卖出黄金时，对应的黄金账户中的余额应能满足该交易的黄金清算需要，否则您的交易请求或委托无效。

Placing order is a relationship established between you and ICBC to trade at a price agreed, and to close the order when the spot price reaching the price of the order. There are 3 types of orders: profit-making order, stop-loss order and two-way order. Price of order includes profit-making order price and stop-loss order price.
　　委托交易是指您与银行订立的一种委托黄金买卖关系，根据约定的委托价格进行黄金买卖，在即时价格达到委托价格时而进行成交的一笔黄金买卖。委托交易包括获利委托、止损委托和双向委托三种，委托价格分为获利委托价格和止损委托价格两种。

Profit-making Order: An order placed to get more income than that got from closing at the existing price. A profit-making order price has to be set during trading.
　　（1）获利委托：您为了获得更好的收益，订立的一种委托，使之在成交时带来的收益比当前价格成交大，交易时需设定获利委托价格；

Stop-loss order: An order placed to avoid more loss from price fluctuation. Income from closing the order will be less than that in current. A stop-order price has to be set during trading.
　　（2）止损委托：您为了避免价格波动带来更大的损失，订立的一种委托，使之在成交时带来的收益比当前略小，交易时需设定止损委托价格；

Two-way order: Place an order with both profit-making and stop-loss. When one of the orders closes, another automatically becomes void. Profit-making order price and stop-order price have to be set during trading.

　　（3）双向委托：您订立一笔委托，同时含有获利和止损，在一方委托成交后，另一方自动作废，交易时需设定获利委托价格和止损委托价格。

When placing order, ICBC must freeze the respective amount in your bank account and gold in your gold account. Frozen amount and gold will be released after the order is closed, cancelled by yourself or void automatically.
当您通过委托交易方式进行账户黄金买卖时，我行须冻结您资金账户中相应的资金数量或黄金账户中相应的黄金数量。冻结于委托交易成交、您撤销委托或委托自动失效后解除。

After an order is accepted, no immediate trading, order, withdrawal or transfer on the frozen amount and gold till they are released.
您交易委托被接受后，您不能对被冻结资金或被冻结黄金办理即时交易、委托交易、取现、转账等业务，直至冻结解除。

Orders hold valid for 24-120 hours. Validity period of order can be set in integral multiple of 24 hours. Orders not closed within validity period will be automatically void and can be cancelled during that period.
　　我行的交易委托有效期限为24-120小时，您可以选择24小时的整数倍设置交易委托的有效期，在有效期内未成交的黄金交易委托将自动失效。您可在委托有效期内撤销尚未成交的交易委托。

6. You have to follow ICBC Regulations of Gold Trade for Personal Account when applying for the service.
　　6. 您在我行进行个人账户黄金买卖业务时，须遵守《中国工商银行个人账户黄金买卖章程》。

7. Operation Guide in trading gold (ounce)/USD under Personal Account:
(1) Internet Banking
Immediate trading, place order　Flow Chart>> (Chinese Version)
Trade Details Enquiry　Flow Chart>> (Chinese Version)
(2) Telephone Banking
Immediate execution　Flow Chart>> (Chinese Version)
place order　Flow Chart>> (Chinese Version)
Gold services under Telephone Banking also include enquiry and fax for gold price, account balance and closing details.
　　7. 个人账户黄金（盎司）/美元买卖业务操作步骤
　　（1）网上银行操作流程：
　　即时、委托交易　查看流程>>
　　交易明细查询　查看流程>>
　　（2）电话银行操作流程：
　　即时交易　查看流程>>
　　委托交易　查看流程>>
　　电话银行黄金业务还为您提供对黄金价格、账户余额、成交明细的查询功能及传真服务。

8. Operation Guide in trading gold (gram)/RMBD under Personal Account:
(1) Flow of trading online
Immediate trading or order placing　Flow Chart>> (Chinese Version)
Online Account Enquiry　Flow Chart>> (Chinese Version)
(2) Flow of buying/selling through telephone
Immediate trading　Flow Chart>> (Chinese Version)
Place order　Flow Chart>> (Chinese Version)
Gold services under Telephone Banking also are enquiry and fax the gold price, account balance and closing details.
　　8. 个人账户黄金（克）/人民币买卖业务操作步骤
　　（1）网上交易流程
　　网上即时、委托交易　查看流程>>
　　网上账务查询　查看流程>>
　　（2）电话交易流程
　　电话即时交易　查看流程>>
　　电话委托交易　查看流程>>
　　电话银行黄金业务还为您提供对黄金价格、账户余额、成交明细的查询功能及传真服务。

English Chinese translation sample-"Gold Expert" Personal Account Gold Trading-service channel

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Service Channel
1. ICBC business office: Fill out ICBC Gold Trading Service for Personal F/X Account Application Form for each transaction, confirm by signing the transaction voucher.
2. Telephone Banking: After signing up Telephone Banking, dial 95588 Telephone Banking, use account and password, and follow the voice to trade immediately or place an order.
　　☆ 服务渠道
　　1. 营业网点：您在柜台办理账户黄金买卖业务时，逐笔填写《个人外汇/账户黄金买卖业务申请书》，并对交易凭证进行确认签名即可。
　　2. 电话银行：申请开通电话银行后，直接拨通95588电话银行，凭电话银行账户及密码，按照语音提示进行个人账户黄金买卖即时交易和委托交易。

3. Internet Banking: After signing up Internet Banking, logon www.icbc.com.cn, and enter "Online F/X" or "Online Gold" to trade immediately or place an order in gold (gram)/RMB and gold (ounce)/USD.
4. Self-service devices: Check real time exchange rate at ICBC self-service terminal, enter All-in-one account number and password, and start trading immediately.
　　3. 网上银行：申请开通网上银行后，可以登录www.icbc.com.cn，通过“网上汇市”或“网上黄金”栏目进行黄金（盎司）/美元和黄金（克）/人民币即时交易和委托交易。
　　4. 自助设备：您可在我行的自助终端机上，查询实时汇率，并通过输入活期一本通账号和密码进行账户黄金买卖的即时交易。

English Chinese translation sample-"Gold Expert" Personal Account Gold Trading

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

"Gold Expert" Personal Account Gold Trading
☆ Introduction
A service for personal customer to use USD or RMB as the clearing currency to trade gold under ICBC quotes and ICBC Gold Trading System for Personal Account within trading hours either at the Counter, or through Internet Banking, Telephone Banking and Self-Service Terminal.
“金行家”个人账户黄金买卖
　　☆ 服务简介
“金行家”业务是指个人客户以美元或人民币作为交易结算货币，在我行规定的交易时间内，按照我行报价，使用我行提供的个人账户黄金买卖交易系统，在柜台或通过网上银行、电话银行、自助终端等方式进行个人账户黄金买卖交易的业务。

"Gold Expert" include two trading types: Gold (gram)/RMB and Gold (ounce)/USD. Gold (gram)/RMB is quoted in RMB, trading unit is "Gram". Gold (ounce)/ USD is quoted in USD, trading unit is "Ounce". This two types of accounts are independent to each other, with no conversion between the two. No interest accrued on gold account, and no substantial gold can be withdrawn.
　　“金行家”业务包括黄金（克）/人民币和黄金（盎司）/美元两个交易品种。黄金（克）/人民币买卖业务以人民币标价，交易单位为“克”；黄金（盎司）/美元买卖业务以美元标价，交易单位为“盎司”。两类账户相互独立，不能转换。黄金账户不计利息，不能提取实物黄金。

☆ Features
1. Variety of products. Two available choices to trade in multi-currencies: Gold (gram)/RMB and Gold (ounce)/USD.
2. High transparency: Real time quotes interactive with international gold prices.
3. No additional charge: Since there is no need to use substantial gold to settle no charge for warehousing, transportation, and estimation, etc..
4. Many channels for trading. At Counter, through Internet Banking, Telephone Banking, and Self-service devices.
　　☆ 服务特色
　　1. 交易品种丰富：您可以选择黄金（克）/人民币和黄金（盎司）/美元两个交易品种，满足多币种投资需要。
　　2. 透明度高：报价与国际市场黄金价格实时联动。
　　3. 无额外费用：无需进行实物黄金交割，没有储藏/运输/鉴别等费用。
　　4. 交易渠道丰富：柜台、网上银行、电话银行、自助设备均可办理。

5. Easy to operate: the process is similar to personal F/X trading.
6. Trade in many ways: spot trading , profit-making order, stop-loss order or two-way order. Maximum order time is up to 120 hours.
7. Low investing amount to enter: Starting amount of each trade in gold (gm)/RMB is 10 gm, starting amount of each trade in gold (ounce)/USD is 0.1 ounce.

　　5. 操作方式简便：与个人外汇买卖相似。
　　6. 交易方式多样：即时交易、获利委托、止损委托和双向委托，最长委托时间可达120小时。　　7. 投资门槛低：黄金（克）/人民币买卖业务每笔交易起点金额为10克黄金；黄金（盎司）/美元买卖业务每笔交易起点金额为0.1盎司黄金。　　

English Chinese translation sample-"Smart F/X" Foreign Exchange Finance

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

"Smart F/X" Foreign Exchange Finance
☆ Introduction
An ICBC F/X finance product for personal customer offered under a series of structured products to which interest rate, exchange rate, credit, stock or commodity is linked.
“汇财通”外汇理财产品
　　☆产品简介
　　“汇财通”是指我行以一系列与利率、汇率、信用、股票或商品等挂钩的结构性产品为载体，向个人客户提供的外汇理财服务。

☆ Features
1. Variety of products. ICBC "F/X Financing" includes major currencies in the world such as US dollar, HK dollar and Euro. Variety of new products from time to time can tailor to all customers of different risk preferences.
2. Principal is guaranteed, with a top return rate among all the domestic products, and interest is higher than fixed deposit of same term, with a flexible investment period.
3. Easy to buy, in cash or F/X.
　　☆服务特色
　　1、产品丰富。我行销售包括美元、港币和欧元等世界主要货币在内的“汇财通”外汇理财产品，“汇财通”外汇理财产品品种繁多，并且不断推陈出新，可以满足不同风险偏好客户的需求。
　　2、产品具有本金安全、收益率同业领先、利息高于同期定期存款、投资期限灵活多样等特点。
　　3、购买方便，现钞现汇均可办理。　　

☆ Main Varieties
1. Principal protected, and profit rate defined. Actual profit rate is confirmed in advance during subscription and further classified into two types:
(1) Fixed rate – rate is fixed through entire investment period.
(2) Incremental rate – rate is increased at each stage during the period.
　　☆主要产品类型
　　1、保本、收益率确定型
　　实际收益率在认购时即已事先确定，按照事先确定的收益率模式又可分为两种类型。
　　（1）收益率固定型—整个投资期的收益率固定。
　　（2）收益率递增型---投资期内每阶段的收益率逐步提高。

2. Principal-protected, and profit rate undefined. Investor's principal is guaranteed, but actual income is linked to some market indicators. Product structure and trend of reference indicator determine the actual return of the product.
(1) Interest rate-linked, suitable for investors who understand the trend of interest rate and are willing to take more risks in order to get higher income.
(2) Exchange-rate linked, suitable for investors who have certain knowledge and judgment on exchange rate trends.
　　2、保本、收益率不确定型
　　确保投资者本金安全，但实际收益与某些市场参考指标挂钩，产品结构及参考指标的走势决定了该产品实际收益的高低。
　　（1）与利率挂钩型。适合那些了解利率走势，并且愿意通过承担更大的风险以期获取更高收益的投资者。
　　（2）与汇率挂钩型。适合对外币的汇率走势有一定的了解和判断的投资者。

☆ Service Channel
At all ICBC Finance Centers.
　　☆服务渠道
　　工行各理财中心。　　

☆ Operation Guide
During offer period, apply at ICBC designated business office where this product is available with valid ID document and F/X cash or ICBC passbook. Personal F/X finance product carries risks. ICBC will state clearly the product and risks involved. Hence, investor can only apply it by himself. Others cannot apply on behalf.
　　☆操作指南
　　客户只需在产品发行期内，持本人有效身份证件与外币现钞或我行存折，至我行指定受理网点即可办理。由于个人外汇理财业务存在一定投资风险，我行须向客户进行必要的产品说明及风险揭示，因此只能由投资者本人办理，不可委托他人代办。　　

☆ Helpful Tips
1. Customer has to pay penalty in agreed ratio to ICBC if early withdrawal is made.
2. "F/X Financing" uses real name. Details to see in State Council rules of real name system on personal deposit account.
3. Customer is taxed for the income earned.
4. More such type of products will be launched. Details can be found at ICBC website and notices announced at ICBC business office, or by calling 95588.
　　☆温馨提示
　　1、客户提前支取“汇财通”外汇理财产品需向银行缴纳约定比例的违约金。
　　2、“汇财通”理财产品实行实名制，具体办法比照国务院关于个人存款账户实名制的有关规定办理。
　　3、对于投资个人外汇理财产品产生的收益，客户需自行纳税。
　　4、我行将根据市场情况和客户需求，适时推出更多种类的个人外汇理财产品，请留意我行网站及营业网点公告，如有疑问可致电95588咨询。

English Chinese translation sample-"Bank-Securities Link" Securities Investment

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

"Bank-Securities Link" Securities Investment
A service where ICBC entrusted by securities company to inter-connect customer's ICBC account (current/savings account or Peony Credit Card Account) with securities company's system for trading securities at real time through ICBC Telephone Banking or Internet Banking.
银证通
　　银证通是指您可以用我行活期储蓄账户作为资金账户，通过网上银行或电话银行办理证券委托交易及明细、信息查询等业务。

☆ Features
1. No need to trade at Stock Exchange Just place order online or dial Telephone Banking (95588), easy and saving time.
☆特点和优势
　　1、您无须去证券交易市场，就可直接在网上或通过拨打电话银行(95588)办理证券市场委托交易及明细信息查询，为您提供方便、节省时间。

2. Stock information in ICBC Internet Banking includes voluminous analysis and charts. You can make timely investing decisions based on these patterns and trends.
2、同时网上银行股市信息中提供了大量的资讯及股市分析走势图，您可根据股市波动走势及时确定自己的投资情况。

☆ Service Channel
"Banking@Home" Personal Internet Banking, Telephone Banking.
　　二、服务渠道
　　“金融@家”个人网上银行、电话银行

☆ Conditions
1. Before trading stock through Internet Banking, sign up the service at ICBC business office first and register under Personal Internet Banking"Banking@Home", then logon Bank-Securities Link using Shareholder Code (or Bank Account Number) and password.
　　三、申办条件
1. 如欲使用网上银行银证通功能，您需要首先在我行营业网点开通银证通业务，并注册“金融@家”个人网上银行，凭股东代码（或资金账号）和密码登录银证通才能在网上银行中进行股票买卖。

2. Non-registered customer of Internet Banking can also sign up the service at ICBC business office. Directly enter Personal Internet Banking and logon "Bank-Securities Link Logon" on the right (This service is provided by the ICBC branch where you sign up the service).
2. 非网上银行注册客户只要在我行营业网点申请了银证通业务，也可以直接进入个人网上银行登录页面右侧的“银证通登录”使用此功能。（该服务由您的银证通注册开通分行提供）

3. Open a trading account in the securities company specified by ICBC. Then register under Personal Telephone Banking at ICBC business office using Peony Money Link Card, Elite Club Card or E-Age Card and sign up the service. Later, you can use Shareholder Code (or Bank Account Number) to trade stock and make enquiry through Telephone Banking.
　　3. 如欲使用电话银行银证通功能，您需要在我行指定证券公司开有交易账户，并使用牡丹灵通卡、理财金卡或e时代卡到我行营业网点办理个人电话银行注册手续，同时开通银证通业务。此后您即可凭股东代码（或资金账号）通过个人电话银行进行股票买卖以及相关查询业务。

4. Bank-Securities Link Operation Guide
(1) Through Internet Banking:　Flow Chart>> (Chinese Version)
(2) Steps in buying stock through Telephone Banking:　Flow Chart>> (Chinese Version)
(3) Steps in selling stock through Telephone Banking:　Flow Chart>> (Chinese Version)
(4) Steps in canceling order through Telephone Banking:　Flow Chart>> (Chinese Version)
(5) Steps in changing trading password through Telephone Banking:　Flow Chart>> (Chinese Version)
　　四、操作步骤
　　1. 使用网上银行：查看流程>>
　　2. 使用电话银行买入股票：查看流程>>
　　3. 使用电话银行卖出股票：查看流程>>
　　4. 使用电话银行进行撤单：查看流程>>
　　5. 使用电话银行修改交易密码：查看流程>>

☆ Helpful Tips
1. Same service hours in Stock Exchanges in China, Monday to Friday (except national holidays), 9:30-11:30a.m., 1:00 -3:00p.m..

2. Internet Banking Bank-Securities Link service also supports trading of Stock Exchange A Shares and B Shares. Multi-currency current account (Current All-in-one) must be used if the market placed is a B Shares market.

3. Allowed balance is the balance that can be withdrawn in cash immediately. Available balance is the sum of allowed balance and bank balance (not posted into account yet on the day) gained from selling the stock on a day.
　　五、注意事项
　　1. 银证通的服务时间与我国证券市场的服务时间相同，为每周一至周五（法定节假日除外），每天上午9：00至11：30，下午13：00－15：30。
　　2. 网上银行银证通业务同时支持证券市场的A、B股交易。交易市场为B股的，您必须使用多币种活期账户（活期一本通）。
　　3. 可提余额指可以即刻按现金提取的余额；可用余额指可提余额加当日已卖出股票所获得的资金余额（但当日尚未入账）。

4. Input Stock Code, order price and buy (sell) quantity for buying (selling) stock through Telephone Banking.

5. Input Order No. for canceling order through Telephone Banking.

6. Contents can be enquired through Telephone Banking including current balance, available balance, closing details, order information, stock information (Name and Code), market news and allotment no.

7. Fax order through Telephone Banking involves stock balances, intra-day order details, stock closing list.
　　4. 电话银行银证通的买入（卖出）交易输入要素为：股票代码、委托价格、买入（卖出）数量。
　　5. 电话银行银证通的撤单交易输入要素为：委托编号。
　　6. 电话银行银证通的查询功能包括：当前余额、可用余额、成交明细、委托信息、股票信息（名称和代码）、市场行情以及配号信息。
　　7. 电话银行银证通的传真交易包括的内容为：股票余额、当日委托明细、股票成交清单。

English Chinese translation sample-"Secure Profit" RMB Finance

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

"Secure Profit" RMB Finance
☆ Introduction
A low risk ICBC finance product issued targeting at personal customer who can get back investment return from RMB bond of high credit rating (Treasury Bond, financial debt, Central Bank bill and other bonds) and eventual return of principal and earnings at maturity. All domestic or foreign individuals in China can apply at ICBC with valid ID document.
“稳得利”人民币理财产品
　　 ☆产品简介
　　“稳得利”人民币个人理财产品是指我行以高信用等级人民币债券（含国债、金融债、央行票据、其他债券等）的投资收益为保障，面向个人客户发行，到期向客户支付本金和收益的低风险理财产品。凡持有本人有效身份证件的境内外个人，均可在我行申请办理“稳得利”人民币个人理财业务。

☆ Features
1. Stable expected return, higher than fixed deposit in same period.
2. Issue at regular periods, total amount is controlled, first come first served.
3. Available at all ICBC business offices across the country, simple to apply.
　　☆产品特色
　　1、预期收益稳定，高于同期定期存款。
　　2、按期发行，总额控制，先到先得。
　　3、工行全国各营业网点均有销售，办理手续简便。

☆ Service Channel
The product is sold at ICBC business office.
　　☆服务渠道
　　“稳得利”人民币理财产品在我行各营业网点销售。您亦可通过工行网上银行直接购买。　　

☆ Operation Guide
1. Open Account
Open Transaction Account in ICBC before product application. Only one such account can be opened for a customer in the same direct municipal branch, direct city branch or branches under management of tier-2 branch. You are then qualified to apply for this service once the account has been opened. When opening this account, Peony Money Link Card (or Elite Club Account Card, Peony Money Link Card•e-age) within the region must be specified as the bank account to pay and receive all the money related.
　　☆操作指南
　　1、开户。您在我行办理“稳得利”理财产品交易前，应首先在我行开立理财交易账户。原则上一个客户在同一个直辖市分行或直属分行或二级分行辖区内只允许开立一个理财交易账户。您开立理财交易账户后，即具备了在我行办理“稳得利”理财产品业务的资格。在开立理财交易账户时，您要同时指定一个同户名的本地区内的牡丹灵通卡（或理财金账户卡、牡丹灵通卡e时代）作为理财资金账户，办理与“稳得利”理财业务有关的资金收付。查看网上银行开户流程>>

2. Subscribe
When the product is in offering period, subscribe at ICBC business office with valid ID document, Peony Money Link Card (or Elite Club Account, Peony Money Link Card•e-age). Finance products can only be applied by yourself; others cannot apply on behalf.
　　2、认购。在产品发行期内，您可持本人有效身份证件、牡丹灵通卡（或理财金账户、牡丹灵通卡e时代）到我行营业网点申请认购。理财产品只限本人办理，不得代办。查看网上银行认购流程>>
　　温馨提示：产品购买时间为发行期内的每日9：00-17：00，法定节假日照常销售；产品卖出时间为存续期内的周一至周五（法定节假日除外），每日9：30-15：00。

3. Maturity
Principal and income will be directly transferred into Transaction Card (Elite Club Account, Peony Money Link Card or Peony Money Link Card•e-age).
　　3、到期。稳得利理财产品到期后的本金和收益将直接转您的理财交易卡（理财金账户、牡丹灵通卡或牡丹灵通卡e时代）上。

English Chinese translation sample-rollover account services-tips

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Helpful Tips
1. "Rollover" Account Services is only limited to Personal Customer (individual who has full civil capacity).

　　☆温馨提示
　　1. “利添利”账户理财业务客户仅限于个人客户（具有完全民事行为能力的个人）。

2. Customer can sign several "Rollover" Account Services Agreements. Signed "Rollover" account and "Schedule Transfer" account cannot be signed repeatedly, however.

　　2. 客户可与我行签订多份“利添利”账户理财业务协议，但已签订过协议的“利添利”账户和“协定转账”账户不可再重复签订。

3. Funds subscribed through "Rollover" account must be selected from ICBC-approved open-end funds. One "Rollover" Account Services Agreement can only select one open-end fund.

　　3. 客户通过“利添利”账户申购的基金或理财产品需在我行确定的开放式基金或理财产品中选择，一个“利添利”账户理财协议只能选择一支开放式基金或理财产品。

4. Funds automatically subscribed or redeemed through "Rollover" account services follows the principle of trading open-end funds - "unknown price" and "subscribe by amount, redeem in numbers", same as in normal subscription. Customer is entitled to receive a dividend distributed either by usual payout, or through the method applied. Money Market Fund, Short-term Debt Fund specified in "Rollover" account services are fund shares which should be automatically redeemed at 1 Yuan of unit net worth.

　　4. 通过“利添利”账户理财业务自动申购、自动赎回的基金交易遵循“未知价”和“金额申购、数量赎回”的开放式基金交易原则，且与正常的基金申购业务相同，客户享受基金分红等权益，可选择基金默认的分红方式，或申请分红方式变更。“利添利”账户理财业务指定的货币市场基金、短债基金均按单位净值为1.00元计算应自动赎回的基金份额。

5. ICBC does not offer research and advice on funds to invest. Customers gain profit or suffer loss on their own. Customers subscribe or redeem funds through "Rollover" account services must read carefully and follow Fund Contract and Fund Manager's latest announcement to understand the rules and regulations related to the selected fund (including but not limited to minimum subscription, minimum redemption, trade class difference). Customer should fully aware of the risk involved and the latest disclosed announcement of each fund.

　　5. 我行不参与有关投资的分析、选择等事项，因投资产生的收益由客户享有；因投资基金发生的亏损由客户承担。客户通过“利添利”账户理财业务申购、赎回基金须遵循各基金《基金合同》、相关理财产品的《产品说明书》以及管理人发布的最新业务公告。客户应认真阅读《基金合同》、《产品说明书》以及管理人发布的最新业务公告，了解所选产品有关业务规则（包括但不限于最低申购金额、最低赎回金额、交易级差等）；客户应关注各产品的风险提示及最新信息披露公告。

6. If the "Rollover" Account (Elite Club Account Card, Peony Money Link Card • e-age, Peony Money Link Card or passbook of current deposit) specified by customer is lost or damaged, replace a new card (passbook) under ICBC regulations. ICBC will issue new card (passbook) to replace Elite Club Account Card, Peony Money Link Card • e-age, Peony Money Link Card or passbook of current deposit under the Agreement. "Rollover" agreement can be terminated by this newly replaced card (passbook). Customer can apply to ICBC to replace the lost or damaged "Rollover" agreement. ICBC is not liable for inability to make automatic subscription or redemption if "Rollover" account is reported to be lost, locked-up, cancelled or fund shares in customer's TA account is not enough.

　　6. 客户指定的“利添利”账户（理财金账户卡、牡丹灵通卡•e时代卡、牡丹灵通卡或活期存折）遗失、损坏后，应按照我行的有关规定向营业机构申请更换新卡（折），我行可为客户将协议对应的理财金账户卡、牡丹灵通卡•e时代卡、牡丹灵通卡或活期存折更换为新卡（折），客户终止协议时，凭更换后的新卡（折）和本协议办理协议终止，客户如遗失、损坏本协议，可向我行提出申请，由我行为其补制。当“利添利”账户发生被挂失、冻结、销户或客户基金TA账户中的基金份额不足等情形，导致我行不能正常为客户办理基金自动申购或自动赎回业务的，我行不承担责任。

7. If the "Schedule Transfer" Account (Elite Club Account Card, Peony Money Link Card • e-age, Peony Money Link Card or passbook of current deposit) specified by customer is lost or damaged, replace a new card (passbook) under ICBC regulations. ICBC will issue new card (passbook) to replace Elite Club Account Card, Peony Money Link Card • e-age, Peony Money Link Card or passbook of current deposit under the "Schedule Transfer" Account. ICBC is not liable for the inability to provide services if the "Schedule Transfer" Account is cancelled, or the status of the account is abnormal (reported to be lost, locked-up) or insufficient balance.


　　7. 客户指定的“协定转账”账户（理财金账户卡、牡丹灵通卡•e时代卡、牡丹灵通卡或活期存折）遗失、损坏后，应按照我行的有关规定向营业机构申请更换新卡（折），我行可为客户将“协定转账”账户对应的理财金账户卡、牡丹灵通卡•e时代卡、牡丹灵通卡或活期存折更换为新卡（折）。如因客户指定的“协定转账”账户已销户或账户状态不正常（挂失、冻结）、余额不足等原因，导致我行无法提供服务的，我行不承担违约责任。

English Chinese translation sample-rollover account services-operation guide

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Operation Guide
1. Customer applying for "Rollover" Account Services must open Fund Trading Account at ICBC and specify a TA account for buying fund products.

　　☆操作指南
　　1. 客户申请“利添利”账户理财业务时，须开立我行基金交易账户或理财产品交易账户,并已经开立了指定购买基金产品的TA账户。

2. When applying for "Rollover" Account Services, a current settlement account (RMB) opened at ICBC business offices in the same city must be specified as the "Rollover" account. One "Rollover" account can be applied for every signed "Rollover" Account Agreement, however, customer must specify a different "Rollover" account from the bank account opened at intra-city ICBC business offices for trading funds.

2. 客户申请办理“利添利”账户理财业务时，须指定我行同城营业机构开立的人民币活期结算账户为“利添利”账户，每签订一份“利添利”账户理财业务协议，可申请一个“利添利”账户，但客户指定的“利添利”账户不能与其在我行同城营业机构开立过的用于基金交易或理财产品交易的资金账户一致。

3. Customer can opt for a "Schedule Transfer" account for "Rollover" Account Services. If the choice is made, such an account has to be set during signing of "Rollover" Account Agreement in order to make transfer between "Rollover" account and "Schedule Transfer" account.

　　3. 客户办理“利添利”账户理财业务时，可以根据需要，选择是否指定“利添利”账户理财业务的“协定转账”账户。如果选择开立“协定转账”账户，客户须在办理“利添利”账户理财业务协议时进行设置，以实现“利添利”账户与“协定转账”账户之间资金划转。

(1) "Schedule Transfer" account must be current settlement account (RMB) opened by customer at ICBC business offices in the same city. Elite Club Account Card (Peony Money Link Card • e-age, Peony Money Link Card or passbook of current deposit) under "Schedule Transfer" account must be surrendered when setting the account. One "Rollover" account can have a maximum of 4 "Schedule Transfer" accounts.

（1）“协定转账”账户必须为客户本人在我行同城营业机构的人民币活期结算账户，客户在设置“协定转账”账户时，须出示本人“协定转账”账户对应的理财金账户卡（牡丹灵通卡•e时代卡、牡丹灵通卡或活期存折），一个“利添利”账户最多可设置4个“协定转账”账户。

(2) When the available balance in "Schedule Transfer" account reached the agreed minimum, system automatically transfers the amount over the minimum reserved in "Schedule Transfer" account to "Rollover" account.

　　（2）当客户“协定转账”账户中的可用资金余额达到约定的最低保留余额时，系统自动将“协定转账”账户中超过最低保留余额的资金转入“利添利”账户中。

4. When signing "Rollover" Account Agreement, customer must produce own valid identity document, passbook or bank card under "Rollover" Account (Elite Club Account Card, Peony Money Link Card • e-age, Peony Money Link Card opened in ICBC business offices in the same city under own name) and Fund Trading Card (Elite Club Account Card, Peony Money Link Card • e-age, Peony Money Link Card opened in ICBC business offices in the same city under own name).

　　4. 签订“利添利”账户理财业务协议时，客户必须出示本人有效身份证件、“利添利”账户所对应的存折或银行卡（本人同城营业机构开立的理财金账户卡、牡丹灵通卡•e时代卡、牡丹灵通卡）、基金交易卡或理财产品交易卡（本人同城营业机构开立的理财金账户卡、牡丹灵通卡•e时代卡、牡丹灵通卡）。

5. Customer sets the "Balance for Subscription" and "Balance for Redemption" during opening of "Rollover" account services by ICBC. When the amount in "Rollover" account is greater than "Balance for Subscription", system automatically uses the excess portion of "Balance for Subscription" to buy funds. When the amount in "Rollover" account is lower than "Balance for Redemption ", system automatically initiates to redeem funds to eke out the amount to "Balance for Subscription". After customer signs the "Rollover" Account Agreement, ICBC will open the automatic subscription and automatic redemption services for customer in the next day (must be a trade date).

　　5. 我行为客户开通“利添利” 账户理财业务时，由客户设定“发起申购余额”与“发起赎回余额”。当“利添利”账户中的资金额度高于“发起申购余额”时， 系统自动将超过“发起申购余额”部分资金用于申购基金或理财产品；当“利添利”账户中的资金额度低于“发起赎回余额”时，系统自动发起赎回基金或理财产品补足至“发起申购余额”（ 理财产品补足至发起赎回余额）。客户与我行签订“利添利”账户理财协议后，我行在次日（必须为基金或理财产品交易日）为客户办理自动申购或自动赎回业务。

6. Termination of "Rollover" account services can be applied at the ICBC business office where the agreement is signed, together with Fund Trading Account Card, own identity document and a duly filled "Rollover" Account Services Form. ICBC system terminates the services after all formalities completed. Relationship between customer and ICBC will be terminated after cancellation of the "Rollover" account.

　　6. 客户可持基金/理财产品交易账户卡、本人身份证件及填写好的“利添利”账户理财业务书到我行协议签订网点申请终止“利添利” 账户理财业务，我行为客户办理相关业务手续后，系统终止客户“利添利”账户理财业务。客户对“利添利”账户进行销户后，客户与我行的理财业务关系将终止。

English Chinese translation sample-rollover account services-advantages

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Advantages
1. Automatic cash management. Through automatic aggregation of idle money by system, "Rollover" account services effectively and conveniently manages cash to meet daily demand.

　　☆“利添利”账户理财业务有如下几个优点
　　1. 自动现金管理。“利添利”账户理财业务，通过系统自动实现闲散资金归集，满足客户日常现金需要，实现高效、便捷的现金管理。

2. Higher Yield. "Rollover" account services automatically use the idle money to buy money market fund or short-term debt fund with higher income expected than current savings deposit. Currently, annual yield rates of money market fund or short-term debt fund are all higher than the after-tax return rate of one-year fixed deposit.

2. 收益更高。“利添利”账户理财业务将闲置资金自动申购货币市场、短债基金或我行理财产品，预计可获得高于活期储蓄存款的收入。

3. Diversified investment choices. Customer can invest in many money market funds or short-term debt funds through signing "Rollover" Account Services Agreement. ICBC currently offers a diversified choice of 9 money market funds and short-term debt funds for investment.

　　3. 投资选择多样化。客户可以通过签订多款“利添利”账户理财协议，投资于多种货币市场、短债基金或我行理财产品，满足客户多样化的需求。

4. Effective tax evasion. Since income from personal investment in fund is exempted from tax, using excess money in current account to invest in money market funds and short-term debt funds can avoid income tax to a certain extent.

　　4. 有效避税。由于个人投资基金、理财产品的收入免税，将活期账户里多余的钱投资于货币市场或短债基金，还可以一定程度上规避利息税。

☆ Fund List
ICBC Credit Suisse Money Market Fund (Fund Code: 482002)
Huaan Cash Fuli Investment Fund (Fund Code: 040003)
China Southern Cash Profit Growth Fund （Fund Code: 202301）
Lion Money Market Securities Investment Fund (Fund Code: 320002)
GF Money Market Fund (Fund Code: 270004)
BOC International Money Market Securities Investment Fund (Fund Code: 163802)
CCB Principal Money Market Fund (Fund Code: 530002)
Boshi Steady Value (Fund Code: 050006)
China Southern Multi-interests Short-term Bonds Investment Fund (Fund Code: 202102)

☆ “利添利”账户理财业务产品列表
　　工银瑞信货币市场基金（基金代码：482002）
　　华安现金富利（基金代码：040003）
　　南方现金增利（基金代码：202301）
　　诺安货币市场基金（基金代码：320002）
　　广发货币市场基金（基金代码：270004）
　　中银货币市场基金（基金代码：163802）
　　建信货币市场基金（基金代码：530002）
　　博时稳定价值（基金代码：050006）
　　南方多利短债基金（基金代码：202102）

☆ Service Channel
ICBC business offices representing Fund Houses, Internet Banking.

　　☆服务渠道
　　请您到我行基金代理业务网点或网上银行办理“利添利”账户理财业务。

English Chinese translation sample-"rollover" account services

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

"Rollover" Account Services
“利添利”账户理财业务

☆ Introduction
"Rollover" Account Service is a service to manage cash and investment effectively by linking customer's current savings deposit to low-risk funds such as money market and short-term debt. Idle money in customer's current deposit will be automatically used to buy those money market funds or short-term debt funds specified by customer. This should add more value to the idle money rather than earning interest from current savings. On the flip side of the equation, when customer's current account is in need of cash, "Rollover" account can automatically redeem money market funds or short-term debt funds to allow timely use of money.

　　☆服务简介
“利添利”账户理财业务是通过将客户的活期储蓄存款与货币市场、短债等低风险基金及我行理财产品联接，为客户进行有效的现金管理和投资管理。一方面，“利添利”账户理财业务将客户的多个活期账户的闲置资金自动申购客户指定的货币市场、短债基金与我行理财产品，预计可获得超过活期储蓄利息的投资收入，实现闲置资金的有效增值；另一方面，当客户的活期账户需要资金时，“利添利”账户理财业务可以自动赎回货币市场、短债基金与我行理财产品，保证客户资金的及时使用，进行便捷的现金管理。

☆ Functional Diagram
After opening a Fund Trading Account and TA Account in ICBC, using the Fund Trading Card (local Elite Club Account Card, Peony Money Link Card •e-age or Peony Money Link Card) to sign "Rollover" Account Agreement to link Personal Settlement Account with Fund Account for cash and investment management, as follows (direction of fund flow is indicated by arrows)

　　☆“利添利”账户理财业务功能图示
　　客户在开立了我行基金交易账户和拟投资基金的TA账户或开立了我行理财产品交易账户后，通过基金交易卡/理财产品交易卡（本地理财金账户卡、牡丹灵通卡•e时代卡或牡丹灵通卡），就可签订“利添利”账户理财协议，联接个人结算账户与基金账户或理财产品交易账户，实现现金管理及投资管理功能，如下图所示（箭头方向表示资金流向）：

1. "Rollover" account can be set with "Balance for Subscription" and "Balance for Redemption" for determining when account should start to subscribe or redeem. When the available balance in "Rollover" account is greater than "Balance for Subscription", excess amount will be transferred into bank account for buying designated funds next day (working day). When the available balance in "Rollover" account is lower than "Balance for Redemption ", funds shares (counted at 1 Yuan of unit net worth) will be redeemed to eke out to "Balance for Subscription".

　　1. 客户可对“利添利”账户设定“发起申购余额”和“发起赎回余额”，分别用于判断账户何时发起申购和赎回申请。当“利添利”账户的可用余额高于“发起申购余额”时，则将多出金额转入基金/理财产品资金账户保留后，于次日（工作日）申购指定的基金/理财产品；当“利添利”账户的可用余额低于“发起赎回余额”时，则发起赎回申请，赎回份额（以1.00元基金/理财产品单位净值计算）补足到“发起申购余额”（理财产品补足至发起赎回余额）。

2. To realize higher yield from idle money in current account, sign up Schedule Transfer Account (maximum 4 such accounts) when entering "Rollover" Account Agreement. "Minimum Reserved Balance" can be set respectively for Schedule Transfer Account 1 to 4. When the balance in Schedule Transfer Account is higher than "Minimum Reserved Balance", excess amount will be transferred into "Rollover" Account to trigger subscription through the latter.

2. 客户若想将更多活期账户里的闲置资金获得更高收益，可以在签订“利添利”理财协议时，签订协定转账账户（最多不能超过4个）。对于协定账户1至协定账户4，客户可以分别设置“最低保留余额”，当协定转账账户余额高于“最低保留余额”时，则将多出金额转入“利添利”账户中，通过“利添利”账户，触发申购。

3. "Rollover" Account and Schedule Account 1-4 are all current savings accounts. A customer can assign any current accounts under own name to be "Rollover" Account and Schedule Account.

　　3. “利添利”账户及协定账户1-4，均为客户的活期储蓄账户。客户可以将其名下的任意活期账户指定为“利添利”账户和协定账户。

For instance: Main income account such as payroll account can be used as "Rollover" Account. Main payment account such as housing loan, water and electricity are Schedule Account 1, daily expenditure account is Schedule Account 2.

　　例如，客户可以将工资账户等主要收入账户作为“利添利”账户，房贷、水电等主要缴费账户作为协议账户1，日常消费支出账户作为协议账户2。

Balance for Subscription and Balance for Redemption in main income account can be set to RMB 2000 and RMB 1000 respectively. When the balance in main income account is greater than RMB 2000, excess amount will be used to buy specified funds in the next day (working day). Redeem fund shares to eke out the balance in main income account to RMB 2000 when the balance in the account is less than RMB 1000. Customer set the minimum reserved balance in main payment account 1 as monthly payment for housing loan, water and electricity bill (such as RMB 2500). Balance higher than this monthly amount will be automatically transferred into the main income account. Minimum reserved balance in payment account 2 (daily expenditure) is set to RMB 1000. Balance higher than RMB 1000 will be automatically transferred into the main income account.

　　客户可对主要收入账户设定发起申购余额2000元和发起赎回余额1000元，当主要收入账户的余额高于2000元时，则将多出金额于次日（工作日）申购指定的基金/理财产品；当主要收入账户的余额低于1000元时，则发起赎回申请，赎回基金/理财产品份额补足主要收入账户余额到2000元。客户对主要缴费账户1设定每月房贷、水电缴费额（如2500元）为最低保留余额，高于每月缴费额2500元的余额自动转入主要收入账户；对日常消费支出账户2设定1000元的最低保留余额，高于1000元的账户余额自动转入主要收入账户。

English Chinese translation sample-smart money planner-operation guide

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Operation Guide
Please come to ICBC Finance Centers at your place or call your customer manager for details.

　　☆操作指南
　　您有任何理财需求，请亲临当地工行理财中心或致电您的客户经理咨询。

☆ Helpful Tips
1. Review my assets, including deposit, future income and expected expense; clarify how much money can be managed. This is the fundamental.

　　☆温馨提示——理财规划五步曲
　　第一步，回顾自己的资产状况，包括存量资产和未来收入及支出的预期，知道自己有多少财可以理，这是最基本的前提。

2. Know my target; understand what I want, what kind of life and objectives that I want to achieve. This should be a quantitative objective with amount and time.

　　第二步，理清自己的理财目标，知道自己想要干什么，有什么样的生活目标和理财目标，这个目标是一个量化的目标，需要具体的金额和时间。

3. Know clearly what my risk preference is; do not make assumptions on risk preferences without considering any situation. E.g.: some customers dump all the money in stock market because of their own preference in riskier investment tool. No consideration on parents, children, nor family responsibility. At this moment, his risk preference deviates from what he can take.

　　第三步，清楚自己的风险偏好，不做不考虑任何客观情况的风险偏好的假设，例如，有的客户因为自己偏好于风险较大的投资工具，把钱全部都放在股市里，而没有考虑到他有父母、子女，没有考虑到家庭责任，这个时候他的风险偏好偏离了他能够承受的范围。

4. Allocate asset strategically, determine how to distribute personal and family asset based on the above. Adjust cash flow to reach objective or change those unrealistic goals. Ex: how much should go into savings, how much for buying fund or insurance. After the allocation, then think of investment steps; choose an investment product and the opportunity to invest.

　　第四步，做战略性的资产分配，根据前面的资料决定如何分布个人或家庭资产，调整现金流以便达到目标或修改不切实际的理财目标,比如，有多少钱进行储蓄，用多少钱购买基金，用多少钱购买保险等。在做好了这个资产分配的工作后，然后才是投资操作层面，进行具体的投资品种和投资时机的选择。

5. Track the performance. Market is changing unceasingly, so does financial situation and future income level of each of us. Hence it is necessary to do a performance review on investment and adjust the planning continuously. Only in this way that you can reach a level of secure financials, increased asset value and freedom of money.


　　第五步，做绩效的跟踪，市场是变化的，每个人的财务状况和未来的收支水平也在不断的变化应该做一个投资绩效的回顾，不断调整理财规划，这样才能更好的实现财务安全、资产增值和财务自由的境界。

English Chinese translation sample-smart money planner

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

Smart Money Planner
理财规划

☆ Introduction
Services where ICBC professional finance team rearrange your assets to make good use of your wealth in light of your current assets, future income and expenditure, and risk tolerance and preference. It helps you to manage wealth well to fulfill your aim.
　　☆服务简介
　　理财规划是指工行理财团队根据您的现有资产状况、未来收支状况以及风险偏好为基础，通过按照科学的方法重新摆布资产、运用财富，助您更好的管理财富、实现理财和生活目标的服务。

☆ Features
1. Expert team, professional service. ICBC finance team comes from customer manager, finance expert and finance consultant. ICBC have the most numbered customer managers certified with AFP (Accredited Finance Planner) in banking industry. All of them can offer professional finance planning services.

　　☆服务特色
　　1. 专家团队，专业服务。工行建立了由客户经理、理财专家、理财顾问等构成的理财专家团队，获得AFP（金融理财策划师）认证的客户经理数量在金融行业位居首位，可为您提供专业的理财规划服务。

2. Rich variety of finance products. Include: treasury bond, fund, securities, insurance, F/X trading, gold trading, etc. Professional ICBC customer managers will recommend the right product with a plan to make your investment a success.

　　2. 丰富的理财产品。工行为您丰富的投资理财产品：国债、基金、证券、保险、外汇买卖、黄金买卖……，在理财规划的基础上，专业的客户经理将向您推荐具体的理财产品，全面满足您的投资理财需求。

3. Timely information. ICBC finance team will keep you informed on the news in investment markets of F/X, insurance, securities, gold. They hold seminars on such topics once in a while. They will discuss with you face to face on skills, misleading areas, market movement and answer your questions. ICBC also hold regular online forums on different topics for you, finance experts and other customers to exchange ideas in the virtual world.

　　3. 及时的理财资讯。工行专业的理财团队将向为您提供丰富的外汇、保险、证券、黄金投资市场资讯，并不定期举办证券、外汇等各种主题的理财沙龙，理财专家将和您面对面交流，为您详细解释理财技巧、分析理财误区、介绍市场动向，并现场回答您的理财疑问。工行还定期举办各种形式和主题的网上论坛，让您和理财专家及其他客户在虚拟世界里互动交流。

☆ Service Channel
All ICBC Finance Centers.
　　☆服务渠道　　工行各大理财中心。

English Chinese translation sample-mobile banking-notes

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

V. Notes
1. "Default Payment Card" is a specified card that you used to register Mobile Banking (Short Message). There is no need to input card number when you use this default card to make enquiry or transfer.

　　五、注意事项
　　1. “默认支付卡”指您注册手机银行（短信）时指定的一张注册卡。您通过默认支付卡办理查询、转账等业务时可以免输卡号。

2. "Payment Password" is a password that you set and confirm when you register Mobile Banking (Short Message). You have to input this payment password when you make transfer, remittance, payment, shopping payments or cancellation. Payment Password can be a string of 6-8 integers or alphabets.

　　2. “支付密码”指您注册手机银行（短信）时自行设置并确认的密码，您办理转账、汇款、缴费、消费支付、注销等业务时必须输入支付密码。支付密码可以设定为6-8位数字或字母。

3. Transaction Code are usually made up of the first alphabet of the name of the transaction, or input the Chinese name of the transaction.

　　3. 交易代码一般为交易名称的汉语拼音首位字母组成，也可直接输入中文交易名称。

4. Use Separator to separate each input item in short message. Separator can be #, space, or comma (,).

　　4. 短信格式中，在每一输入项之间，通过分隔符分开，分隔符可以是井号（#）、空格或（,）。

5. ICBC Mobile Banking (Short Message) collects Information Service Fee according to the number of short messages you sent, and Transaction Fee for every inter-city remittances. For details, please refer to ICBC E-banking Charging Standard.

　　5. 我行手机银行（短信）将按您发送的短信条数收取信息服务费，以及按异地汇款笔数收取交易费。详情请参见电子银行业务收费标准。

English Chinese translation sample-mobile banking-operating procedures

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

IV. Operating Procedures
You only need to prepare short messages in a special format and send to 777795588 (China Mobile), or 7010 denoting Spending Payment (China Unicom), or 950895588 for others:

　　四、操作步骤
　　您只需要编写指定格式的短信，发送到95588，即可实现以下功能：
1. Enquiries
(1) Account Enquiries: Send Short Message of "CXZH# Card No/Account No" to enquire the balance and intraday details of your bank accounts.

　　1. 查询
　　（1）查询账户：发送内容为“CXZH#卡号/账号”的短信，可查询本人银行账户的余额和当日明细。

(2) History Enquiries: Send Short Message of "CXLS# Card No/Account No#Start Date/End Date" to find out the history details of your bank accounts.

　　（2）查询历史明细：发送内容为“CXLS#卡号/账号#起始日期#结束日期”的短信，可查询本人银行账户的历史交易明细。

(3) Interest Rate Enquiries: Send Short Message of "CXLL#Currency Code#Interest Rate Type" to find out the interest rate of local and foreign currency.

　　（3）查询利率：发送内容为“CXLL#币种代码#利率类型”的短信，可查询本外币储蓄存款利率。

(4) Exchange Rate Enquiries: Send Short Message of "CXHL#Buy Currency Code#Sell Currency Code" to find out the exchange rate market info of ICBC Forex Service.

　　（4）查询汇率：发送内容为“CXHL#买入币种代码#卖出币种代码”的短信，可查询我行开通的外汇买卖即时汇率行情。

(5) Bond Enquiries: Send Short Message of "CXZQ#Bond Code" to find out the buy/sell price of listed T-Bond and accrued interest.

（5）查询债券：发送内容为“CXZQ#债券代码”的短信，可查询上市流通的国债买入卖出价格及应计利息。

2. Account Transfer
By sending Short Message of "ZZ# Payment Card No. # Receiving Card No./Account No. # Amount # Payment Password", one can make money transfer between cards registered under Mobile Banking (Short Messages), and make Outward Transfer.

　　2. 转账
　　发送内容为“ZZ#转出卡号#转入卡号/账号#金额#支付密码”的短信，可在本人手机银行（短信）注册卡之间相互转账、以及对外转账。

3. Remittances
Send Short Message of "HK # Remit-OUT Card No. # Remit-IN Card No./Account No. # Payee Name # Amount # Payment Password" to make remittances.

　　3. 汇款
发送内容为“HK#汇出卡号#汇入卡号/账号#收款人名称#金额#支付密码”的短信，可办理汇款。

4. Donations
Send Short Message of "JK # Project Code # Card No. # Amount" to make donations to charity organizations.

　　4. 捐款
　　发送内容为“JK#项目代码#卡号#金额”的短信，可向慈善机构捐款奉献爱心。

5. Spending Payment
After you have shopped online, choose “ICBC Mobile Banking Payment" and enter your mobile number. You will then receive a short message sent by ICBC Mobile Banking (Short Message) to confirm your payment for shopping. You only need to forward the short message to (China Mobile: 777795588******, China Unicom: 7010******) to finish your payment.

　　5. 消费支付
　　您在互联网上购物后，选择“工商银行手机银行支付”，输入手机号码，随后将接收到我行手机银行（短信）系统给您发送的购物支付确认短信，您只要将该短信转发至95588******，就可完成购物货款的支付。

6. Bill Payment
Send Short Messages of "JFDH # Tel No. # Name" or "JFSJ # Mobile No." and forward directly the confirmation short message returned by ICBC to (China Mobile: 777795588******, China Unicom: 950895588******) to complete the payment of mobile fee for yourself or others.

　　6. 缴费
　　发送内容为“JFDH#电话号码#姓名”或“JFSJ#手机号码”的短信，然后将我行给您返回的确认短信直接转发至95588，就可完成本人及他人电话费或手机话费的缴纳。

7. Change Registration Info of Mobile Banking
(1) Modify Password: Send Short Messages of "XGMM # Original Password # New Password" to modify the payment password of your Mobile Banking (Short Message).

　　7. 变更手机银行注册信息
　　（1）修改密码：发送内容为“XGMM#原密码#新密码”的短信，可修改您的手机银行（短信）支付密码。

(2) Change Payment Card: Send Short Messages of "GZFK # New Card No." to modify the default payment card in your Mobile Banking (Short Message).

　　（2）改支付卡：发送内容为“GZFK#新卡号”的短信，可修改您注册手机银行（短信）时默认的支付卡。
(3) Cancel Mobile Banking：Send Short Messages of "ZX # Mobile Banking Payment Password" to cancel Mobile Banking (Short Message).

　　（3）注销手机银行：发送内容为“ZX#手机银行支付密码”的短信，可注销手机银行（短信）服务。

8. Subscribe/Cancel Balance Change Reminding service
(1) Subscribe: send a SMS includes "BDDZ + Card No. + Payment Password" to subscribe the services for the account that registered under Mobile Banking.
System will open the services for the card No. and automatically deduct standard service fee for the first month from the basic account in the subscribed registration card.

　　8. 定制/取消余额变动提醒通知
　　（1）定制余额变动提醒通知：发送内容为“BDDZ+卡号+支付密码”的短信，可以为您已经注册手机银行的账户定制账户余额变动短信提醒服务功能。
系统为该卡号开通账户余额变动短信提醒服务的同时自动扣收首月余额变动服务费，扣费金额按网银账户余额变动提醒服务收费标准，扣费账户为定制注册卡的基本账户。

(2) Cancel: send a SMS includes "BDQX + Card No." to cancel the services for the account that registered under Mobile Banking.
Cancellation includes all the Balance Change Reminding services subscribed at ICBC Counter, through Internet Banking, Telephone Banking or Mobile Banking. Balance Change Reminding service subscribed through Mobile Banking can also be cancelled at ICBC Counter, Internet Banking or Telephone Banking.


　　（2）取消余额变动提醒通知：发送内容为“BDQX+卡号”的短信，可以为您已经注册手机银行的账户取消账户余额变动短信提醒服务功能。
　　该交易可以取消的余额变动短信提醒服务，包括柜面、网上银行、电话银行、手机银行等各系统定制的余额变动短信提醒服务。使用柜面、网上银行、电话银行等各系统也可取消手机银行定制的余额变动短信提醒服务。


9. Help
Send Short Message of "?" to enquire the transaction codes of all Mobile Banking functions (first alphabet of the function name). Send Short Message of "? # Transaction Code" to find out the standard input format of the transaction instruction.

　　9. 获取帮助
　　可以查询到手机银行各项功能的交易代码；也可查询到该交易指令的标准输入格式。
　　中国移动用户：发送内容为“？”的短信，可查询到手机银行各项功能的交易代码（由功能名称的汉语拼音首位字母组成）；发送内容为“？#交易代码”的短信，可查询到该交易指令的标准输入格式。

English Chinese translation sample-application conditions

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

II. Service Channel
ICBC Business Offices.

　　二、服务渠道
　　工商银行营业网点。

III. Application Conditions
As long as customers have mobile phones from Mobile Operators partnered with ICBC and can send and receive short messages, they can enjoy ICBC Mobile Banking service. Customers can self-register Mobile Banking through www.icbc.com.cn or go to any ICBC Business Office to register.
Flow of Self-registering Mobile Banking:

　　三、申办条件
　　凡在中国工商银行开立了储蓄账户、结算账户，并持有合作移动通信运营商（目前为中国移动通信集团公司和中国联合通信有限公司，以下称为合作单位）手机的个人客户均可申请使用手机银行（短信）。您可以登录工商银行中国网站，立即自助注册手机银行，亦可到工商银行营业网点办理注册手续。
自助注册流程图：查看流程>>

Notes:
1.If there is no confirmation message for a long time after you have registered Mobile Banking, customers of China Mobile can activate the function by sending "JH" to 777795588. You can verify if you have registered Mobile Banking (Short Messages) successfully with this function.

　　提示：
　　1. 若您在注册手机银行后，长时间没有确认信息返回，移动用户可使用激活功能，即发送“JH”到95588，通过这一功能可以核实您的手机银行（短信）是否已经注册成功。

2. Mobile Banking customers registered through self-service can only make enquiry or donation.

　　2. 自助注册客户应只能办理查询账户信息和公共信息等业务。

English Chinese translation sample-mobile banking

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

Mobile Banking (Short Message)
手机银行（短信）

Mobile Banking (Short Message) is a banking service for customer to make enquiry, transfer, remittance, donation, spending, bill payment, subscribe/cancel Balance Change Reminding service according to the customer's instruction sent through mobile. Result will be sent back to customer by short message.

　　手机银行（短信）是指客户通过编辑发送特定格式短信到银行的特服号码，银行按照客户指令，为客户办理查询、转账、汇款、捐款、消费、缴费、定制/取消余额变动提醒通知等相关业务，并将交易结果以短信方式通知客户的新型金融服务方式。

I. Features & Advantages
1. Wide Service Coverage, Easy to Apply
You can enjoy all Mobile Banking services as long as your mobile can send and receive short messages. You can register Mobile Banking yourself through www.icbc.com.cn or go to any ICBC Business Office to register. The registration is easy and simple.

　　一、特点和优势
　　1. 服务面广、申请简便
　　只要您的手机能收发短信，即可轻松享受手机银行的各项服务。您可以通过中国工商银行中国网站自助注册手机银行，亦可到工商银行营业网点办理注册，手续简便。

2. Rich Functions, Convenient and Flexible
Eight kinds of services such as account enquiries, transfers , remittances, donations, bill payments, consumption and subscribe/cancel Balance Change Reminding service can all be provided through mobile phone short messages. Moreover, you do not need to change mobile phone or SIM card before you enjoy all these new services and functions if there is any. All mobile transactions codes are composed by combining the first alphabet of each word of the transaction name for easy reference. You can send short message of "?" to find out how to use all the functions.

　　2. 功能丰富、方便灵活
　　通过手机发送短信，即可使用账户查询、转账汇款、捐款、缴费、消费支付及定制/取消余额变动提醒通知等八大类服务。而且，手机银行提供更多更新的服务功能时，您也无须更换手机或SIM卡，即可自动享受到各种新增服务和功能。手机银行交易代码均取交易名称的汉语拼音首位字母组成，方便记忆，您还可随时发送短信“？”查询各项功能的使用方法。

3. Safe and Reliable, Layers of Protection
ICBC adopts several layers of protection to secure your money. First, information in Mobile Banking (Short Message) is encrypted using international recognized standard during transmission and procession. Data between Mobile Operator and ICBC are securely transmitted and processed to prevent being stolen or compromised in this way. Secondly, a strict restriction is set for outward transfer amount through Mobile Banking (Short Message). Thirdly, the registered mobile phone of customers will be tied up with their accounts and a special pin number for payment is required.

　　3. 安全可靠、多重保障
　　银行采用多种方式层层保障您的资金安全。一是手机银行（短信）的信息传输、处理采用国际认可的加密传输方式，实现移动通讯公司与银行之间的数据安全传输和处理，防止数据被窃取或破坏；二是客户通过手机银行（短信）进行对外转账的金额有严格限制；三是将客户指定手机号码与银行账户绑定，并设置专用支付密码。

4. 7 x 24 Services, Fund Credit into Account Instantly
You can enjoy ICBC Mobile Banking (Short Messages) service 24 hours a day and 7 days a week anytime and anywhere as far as your mobile can send and receive short messages. Money transferred and remitted is credited into accounts real time. Payments for bills and spending are completed in seconds. Everything is at your "hands".

　　4. 7×24小时服务、资金实时到账
　　无论何时，您身在何处，只要可以收发短信，立即享受工行手机银行（短信）7×24小时全天候的服务，转账、汇款资金瞬间到账，缴费、消费支付实时完成，一切尽在“掌”握。

English Chinese translation sample-risk management

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

IX. Risk Management
In 2006, ICBC reformed its organization and remade its risk management procedures, separated a clearcut front, middle, and back business responsibility setup, appointed the CRO, to constitute a relatively centralized and independent risk management system.

　　九、风险管理
　　2006年中国工商银行实施组织机构改革和风险管理流程再造，清晰分离了前、中、后台职能，设立了首席风险官，着力于构建相对集中和独立的风险管理体系。

1. Credit risk management.
ICBC further promoted the centralized management of the credit business, raised the credit approval decision making level, and established an independent and centralized credit risk control system. It further improved its credit policy for the legal person clients, and implemented a differentiating credit policy in terms of region, trade, clients and products. It promoted creativity in small enterprise credit products and management and implemented a differentiating credit policy for small enterprises. It improved its personal credit management system, launched the “personal credit approval program”, and consolidated the five-grade system for personal credit assets. ICBC practiced a twelve-level classification for the quality management of corporate credit assets, with primary classification performed automatically by the computer system.

　　（一）信用风险管理。
　　深入推进信贷业务集约化经营管理，提高授信审批决策层次，构建独立集中的信贷业务风险控制体系。继续完善公司法人客户信贷政策，从区域、行业、客户、产品等方面实施差别化的信贷政策。积极推进小企业信贷产品创新和管理创新，实施差别化的小企业信贷政策。完善个人信贷管理系统，启动“个人信贷审批系统项目”，进一步强化个人信贷资产质量五级分类制度。对公司贷款资产质量实施12级分类管理，实现计算机系统自动初分。

2. Liquidity risk management.
ICBC transferred assets from branches of the second level and below and to the first level branches for centralized assets allocation, and guided the branches to adjust the assets liability period through internal fund transfer and pricing. With a series of index, it monitored daily the liquidity positions, the overall cash in the bank, the deposit in the Head Office and other branches, and other interest-generating amount and structure, in order to control the liquidity ratio to meet legal and internal requirements.

　　（二）流动性风险管理。
　　将二级及以下分行的资金集中到一级分行进行全额集中配置管理，通过内部资金转移定价机制引导分行调整资产负债期限结构。应用一系列参数每日监控流动性头寸、全行现金、总行存款和其他银行的现金以及其他生息资产的金额和结构，监控流动性比率以符合法规及内部要求。

3. Market risk management.
ICBC separated the middle business monitoring the market risk from the front business dealing with assets. With a series of core quota in interest rate risk management, analysis criteria of interest rate sensitivity gap, and guidance in interest rate risk management, ICBC established an interest rate risk management system adapted to the progress of marketization.

　　（三）市场风险管理。
　　分离中台对市场风险敞口的监控功能与资金业务的前台交易。采用一系列利率风险管理的核心指标、利率敏感度缺口分析标准以及利率风险管理指引，建立适应市场化进程的利率风险管理信息系统。

4. Operation risk and internal control.
ICBC constantly upgraded its operational risk management framework, system platform and technical means and promoted the implementation of The Operational Risk Management Manual in the whole bank. As a result, case occurrence rate and amount involved were the lowest in the history in 2006.

　　（四）操作风险与内部控制。
　　不断完善操作风险管理架构、制度平台和技术手段，在全行推广实施《操作风险管理手册》，2006年全行发案率及涉案金额控制在历史最低水平。

English Chinese translation sample-corporate governance

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

VIII. Corporate Governance
1. The corporate governance structure.
In accordance to the stipulations of The PRC Corporate Law and The PRC Securities Law, ICBC established the governance framework made up of the general meeting of shareholders, the board of directors, the board of supervisors and the top management, and a working mechanism in which the institutions of authorities, decision making, supervision and management perform their own duty while cooperating with one another. Under the board of directors there are five specialized committees respectively in charge of strategy, auditing, appointment and payroll, risk management, and related business control. Under the board of supervisors there is the supervision committee. To further enhance the corporate governance structure, ICBC has compiled the authorization plan by the general meeting to the board of directors, and the authorization plan by the board of directors to the president. It has modified the duties and member structures in the specialized committee, implemented the chief risk officer system, added supervisors from the bank staff, made the share value addition plan to build up the corporate incentive mechanism, and explored means to consolidate communication and strategic cooperation with investors outside China to improve corporate governance.

　　八、公司治理
　　（一）公司治理结构。
　　中国工商银行按照《中华人民共和国公司法》、《中华人民共和国证券法》等相关法律法规要求,建立了由本行股东大会、董事会、监事会和高级管理层组成的治理架构,形成了权力机构、决策机构、监督机构和高级管理层之间各司其职、相互协调、有效制衡的工作机制。董事会下设战略委员会、审计委员会、提名与薪酬委员会、风险管理委员会、关联交易控制委员会等五个专门委员会；监事会下设监督委员会。为进一步完善公司治理结构，制定了股东大会对董事会授权方案和董事会对行长授权方案，调整董事会下设专门委员会的职责和成员结构，实行首席风险官制度，补选职工监事，制定了股票增值权计划以建立健全公司激励机制，积极探索与境内外投资者加强沟通和战略合作的途径，不断提高公司治理水平。

2. Human resources management.
ICBC has further reformed its HR management and incentive mechanism, and constituted a modern post-based HR management system. With the introduction of EVA and GSR, ICBC has established a performance-oriented payroll mechanism, continued to improve the differentiating payroll system and fully implemented the corporate annual fund system. In 2006, ICBC held 40,000 various training programs participated by 1.94 million persons/times, an average training of 9.43 days per person. The programs included leadership and FRM training, experimental pre-service training, and the external online education system. ICBC has accelerated the structural reform in the Head Office braches, launched a top-down reformation of some business procedures and organizational adjustment, and has reorganized the departments of corporate banking, capital management, risk management and financial management in the Head Office.

　　（二）人力资源管理。
　　深化人力资源管理和激励约束机制改革，构建以岗位为基础的现代人力资源管理体制。引入经济增加值（EVA）和收益分享比例（GSR）理念，建立绩效工资分配机制；继续完善差异化薪酬体系；全面建立企业年金制度。2006年全行举办各级各类培训班4万期，194万人次，人均受训9.43天。开展了领导力培训、金融风险管理师（FRM）人才培训等项目，试行员工岗前培训制度，投产开通了外网远程教育系统。推进总行、分行机构改革，自上而下地启动了全行部分主要业务流程再造和组织结构调整工作，重组了总行公司银行业务、资金业务、风险管理、财务管理等职能部门。

English Chinese translation sample-information technology

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

VII. Information Technology
ICBC's IT system has been further improved with the expansion of application products and construction of management computerization. Its information system has been in secure and steady operation. In 2006, ICBC was given the “Most Acclaimed Network Globally” Award by The Banker, and was selected by China Information Industry Development and Research Institute and China Computerization Promotion Union as an “Excellent Corporation in Computerization of 2006”.

　　七、信息科技
　　中国工商银行的信息科技体系进一步完善，应用产品不断丰富，管理信息化建设不断推进，信息系统运行安全稳定。2006年获得《银行家》“全球银行网络应用创新奖”，及中国电子信息产业发展研究院和中国信息化推进联盟评选的“2006中国信息化建设年度优秀企业”。

ICBC reconstructed its core application system according to its business lines to reduce risk operation of the centralization of data, and meanwhile quickened its pace in R&D. In 2006 it developed 173 new application programs and upgraded 365 programs. It filed 22 patent applications to SIPO in 2006, among which two were granted “utility models” and “The encrypting and confirmation of Internet Banking data” obtained its patent. By the end of the year, ICBC were in possession of 58 patents.

　　按照业务线对核心应用系统进行重构，降低数据集中后的运行风险，同时加快了产品的研发速度。全年共完成应用类新项目开发173个，对原有项目功能优化365个。2006年向国家知识产权局提交专利申请22项，其中2项专利申请获得实用新型专利授权，“对网上银行数据进行加密、认证方法”获得了发明专利授权。截至年末，拥有的专利数量达到58项。

Personal credit management, accountant risk control and other systems have been promoted with remarkable progress.

The different location disaster prevention project in the overseas data centralization system was completed and had its first overseas rehearsal of post-disaster restoration.

　　个人信贷管理、会计风险监控等系统在全行推广完善，经营管理水平和风险控制水平不断提高。
　　完成了海外数据集中系统的异地灾备工程，海外分行首次实施业务级灾难恢复应急演练。

English Chinese translation sample-international banking

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

VI. International Banking
ICBC has its business in every financial center worldwide, with its branch in Hong Kong, Macao, Singapore, Tokyo, Seoul, Pusan, Frankfurt and Luxemburg, and its institution of holdings in Hong Kong, London, Luxemburg and Almaty, and its agency in New York, Mexico and Sidney. By the end of 2006, ICBC's institutions abroad had amounted to 98, and it had established agent bank relationship with 1,266 foreign banks in 117 countries and regions. The total assets in branches and institutions of holdings abroad amounted to USD 26.72 billion, a y-on-y increase of 15.26%.

　　六、境外业务
　　中国工商银行业务遍及全球主要金融中心。在香港、澳门、新加坡、东京、首尔、釜山、法兰克福和卢森堡设有分行；在香港、伦敦、卢森堡和阿拉木图设有控股机构；在纽约、莫斯科和悉尼设有代表处。截至2006年末，境外机构达98家，与117个国家及地区的1,266家境外银行建立了代理行关系；境外分行和控股机构的资产总额达267.2亿美元，比上年增长15.26%。

On December 30, 2006, ICBC signed an agreement of acquisition with the directors of Bank Halim Indonesia to acquire 90% of shares in the bank. This was the first cross-nation bank acquisition completed by ICBC and was also its first entrance into the foreign market by means of acquisition.

　　2006年12月30日，与印尼Bank Halim Indonesia股东签署了收购协议，将收购该行90%的股份。本次收购是中国工商银行完成的首次跨国银行收购，也是第一次以收购方式进入国外市场。

ICBC (Asia) Co. Ltd. (ICBC Asia) is currently the largest ICBC business unit outside China. It provides comprehensive retail and personal financing service, as well as commercial and corporate banking service. A leading role in the Hong Kong market in terms of syndicate loans and structural loans, it has established a network of branches in the major commercial and potential areas in Hong Kong. By the end of 2006, ICBC Asia's total assets amounted to HKD146.392 billion, which was ranked No. 6 among the registered banks listed in SEHK. Its net assets amounted to HKD 11.085 billion, with HKD 1.246 billion as profit attributed to shareholders in 2006.

　　中国工商银行（亚洲）有限公司（“工银亚洲”）是中国工商银行目前最大的境外业务主体，提供全面的零售及个人理财服务、全面的商业和企业银行服务，在银团贷款和结构性贷款方面扮演着香港市场领跑者的角色，并基本建立起了覆盖全港主要商业地段和潜力地段的分行网络体系。截至2006年末，工银亚洲总资产达1,463.92亿港元，在其本身或其母公司在香港联交所公开上市的香港注册银行之中，工银亚洲的总资产排名第六，净资产110.85亿港元，2006年股东应占盈利为12.46亿港元。