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Corporate Internet Banking

I. Introduction
Corporate Internet banking is a channel via which ICBC, based on the Internet or private network, provides such services as account management, transfer and settlement to corporate customers, who have opened accounts in ICBC Mumbai Branch and enjoy good credit standing.
The Bank provides Corporate Internet Banking in both Chinese and English. Corporate Customers can apply for the Corporate Internet Banking Service when opening a corporate account at the Bank.

II. Features
ICBC has been committed to creating more value for our clients with the impetus from advanced technology and service innovation. With its advantages in technological development and management, ICBC delivers convenient services, high-quality management. No matter where you are, you need only log on the Internet to enjoy fast and high-quality banking services.

III. Internet Banking Application
The customer shall present its opening bank with corporate account opened in ICBC Mumbai Branch and required materials, be aware of the "Terms and Conditions of Internet Banking Service" and relevant introductions, and submit "Corporate Internet Banking Application Form".

IV. First-time Login
Depending on the settings of your computer you might be asked to download add-ons or change settings, before you reach our login page. More information about this you can read below at user information. We will continue now with the procedure for first time login.
If customer authorized applicants or authorized representatives came to our office and applied for Internet Banking, authorized applicants or authorized representatives were asked to enter a customer login ID, password and USB-shield password. These passwords you can use only one time, as the system will force you to change the password into a new password with a combination of case sensitive letters, numbers, etc.

V. User Information
1. System Requirements
In order to experience a smooth experience with Internet Banking you need to comply with the following requirements:
- Operating system
Our Internet Banking needs Microsoft Windows or Mac as the operating system. In the future our Internet Banking will also be prepared for computers with a Linux operating system.
- Browser
Currently our Internet Banking supports the use of Internet Explorer, Safari, Google Chrome and Mozilla Firefox browsers.
You can find helpful advice in our Internet Banking manual in order to check if your PC/ Browser has the right settings e.g. with regard to the pop-up blocker, security settings and active x-control.

2. Security
Besides the encrypted connection to our login page, which you can recognize by the “S” in the web address starting with “Https..” and closed “locker” symbol (If you click on it you should see that VeriSign issued a certificate to Industrial and Commercial Bank of China Limited, Beijing, Beijing, CN), it is also important that you can recognize several types of crime like “fishing”, “malware” and “possible identity fraud”.
It is important to make use of computers with the up-to-date virus protection, active firewalls and the latest browser versions.
ICBC makes use of several security methods to protect your privacy, and controls movements by verifications, USB-Shield and passwords. Also we have personalized your welcome page, and give instructions about necessary browser settings.

- False login attempts and definite block
Your username will automatically freeze for a day after you tried to login 3 times with an incorrect password. If your username has been frozen for 10 times, it will have a permanent block. We can only unblock the username when you identify yourself at our counter in Mumbai.
- USB-Shield
Our USB-Shield is needed for you to authorize your orders. USB-Shield is a client certificate introduced by ICBC with a patent, as well as a high-level security tool provided by the Bank for Internet banking services.
USB-Shield is embedded with a micro smart card processor, which encrypts, decrypts and signs digital signatures on Internet banking transaction data through a digital certificate to ensure the confidentiality and tamper-resistance of the transaction data and the uniqueness of identity authentication.

VI. Risk
Please keep your corporate Internet banking client certificate and password safely, avoiding risk of account information exposure or fund stolen due to loss of certificate or password.