I.     Name of Product: 建行理财卡

II.   Name of Product in English: Wealth Management Card

III.     Nature of Product: CCB Wealth Management Card is taitlored for the individual VIP customers as a kind of high-end financial management instrument incorporating multi-currency, multi-purpose and standardized wealth management functions. The card can provide convenient, efficient, integrated, comprehensive, personalized, one-stop services through our expert customer managers in personal wealth management by consolidating relevant resources like products, services, channels and networks., You can “take fully advantage of our services and manage your wealth at your fingertips”.

IV. Product Specifications

Platinum Card

Gold Card

V.   Functions of Product

CCB Wealth Management Card is a multy-currency product CCB offers to medium-to-high-end customers with comprehensive functions such as multi-accounts management, integrated & contract-signing wealth management, auto transfer, cross-border transaction, universal available, authorized collection and payment, Short Message Service (SMS) and personalized card-number selections etc. The card not only enables you to enjoy the preferential and privileged services but also is a symbol of your distinguished status.

1. Comprehensive management for multi accounts in a single card: Your CCB Wealth Management Card can incorporate the current accounts and fixed deposit accounts in multi currencies including Yuan, US Dollar, Hong Kong Dollar, Yen, Euro and Pound (herein called “the currencies”). You can also affiliate other accounts of you with China Construction Bank to CCB Wealth Management Card with capital management under one roof.

2. Contract Signing Wealth Management with Auto Transfer: You can sign contracts for transfer between current accounts and current accounts, transfer from current accounts to fixed deposit accounts, transfer from fixed deposit accounts to current accounts, transfer from current account deposit to call deposit, transfer from call deposit to current account deposit, and auto transfer services like the conversion of certificate treasury bond on maturity and auto remittance. Our Bank will automatically deploy your capital according to the contracts you sign. Auto transfer requires you to sign relevant contracts concerned.

3. Cross-Border Transaction over the World: You can spend with your credit cards when shopping in more than 200 million retail outlets showing logos for VISA, MasterCard or China UnionPay Cards in over 200 countries and regions and withdraw local currencies from millions of available ATMs. The Card enables you to travel in style and ease. Once validated, your Wealth Management Card will enable you to carry out cross-border transaction, which can be suspended anytime at your request. The Wealth Management Card has remittance purchase function to facilitate your spending over the border.

4. Short Message Service (SMS) for Security: China Construction Bank will forward SMS to your mobile phone to inform you the cash movement of your accounts in real time. Extra services like maturity alerts, words of greetings and financial briefs are also available to give you a full picture of your financial status at a glance. This function has to be validated by signing contracts.

5. Investment Wealth Management for Growth: You can carry out foreign exchange trading, the purchase of treasury bonds and funds, custodian services for the third party and other investment wealth management services with the CCB Wealth Management Card. The Card is a sure and helpful means of high returns on your wealth.

6. Authorized Collection and Payment at Your Fingertips: The Card can be used as your payroll account or the account for settlement of your debits to minimize your troubles of cash withdrawal and cash payment.

7. Delivery of Comprehensive Bank Statement on Time: China Construction Bank will send you the full, comprehensive bank statement monthly on time to give you a sure grasp of your balance of payment at a glance.

8. A Full Range of Ready Card Channels: Apart from the CCB transaction platforms available across the country, you can also process transactions through CCB commissioned retailers, self-service banking facilities (like ATMs, CDMs, CRS, BSM terminals), phone banking and e-banking to enjoy the card services anytime, anywhere at your choice.

9. Value-added, Privileged Services: Platinum or Gold Cardholders can enjoy the exclusive, wealth management services offered by our expert customer managers at various wealth management centers, wealth management counters or VIP counters of China Construction Bank across the country (or local banks). Customers will be fully at ease and eligible for various privileged policies at your service.

VI.

1.Product Types

CCB Wealth Management Cards have offered platinum cards and gold cards based on credit rating. The Cards are available in VISA and MASTER brand and can be classified as basic card and supplementary card according to nature and status of the cardholders.

2.Currency and Expiry Date: CCB Wealth Management Card can be designated in various currencies with accounts of various expiry dates.

3.Rules and Customer Guide: Please observe stipulations of “China Construction Bank Wealth Management Card Usage Contract” and “Terms and Conditions of China Construction Bank Wealth Management Card” when using the card. Please refer to “Q&A of CCB Wealth Management Card”.