ICBC's personal foreign exchange trading margin account is aimed at customers who sell first and then buy. The system will also open a margin account for them, which will be used to calculate the receipt, payment and profit and loss of the customer's trading margin after selling first. Related accounts are divided as follows:

(1) fund account: the customer must designate his personal multi-currency debit card or settlement account current passbook opened in our bank as the fund account for accounting the receipt and payment of foreign exchange transaction funds.

(2) Trading account: after the customer goes through the opening formalities, the bank automatically opens a trading account for foreign exchange transactions, which is used to calculate the receipt and payment of the non-US dollar foreign exchange amount sold by the customer in the transaction of selling first and buying later.

(3) Margin account: for customers who trade by selling before buying, the system will also open a margin account for them to calculate the receipt, payment and profit and loss of the margin of customers who sell before buying.