In accordance with relevant national laws and regulations, in order to safeguard the interests of Party A and Party B and standardize their behaviors, Party A and Party B, on the principle of voluntariness, equality and mutual benefit, signed the following agreement on the use of electronic banking (online banking and telephone banking) services of China Postal Savings Bank (hereinafter referred to as Party A) by individual customers.

Article 1 Unless otherwise specified, the terms used in this Agreement are defined as follows:

1. E-banking: an automated network service system established by Party B to provide information services and financial transaction services to the society by means of Internet technology, telephones and other electronic equipment.

2.Ukey digital certificate: refers to an electronic file with customer's logo, which is stored in the physical medium of USB KEY and digitally signs the sensitive information of online banking sent by customers.

3. Dynamic password: also known as dynamic password, it is a password that changes randomly according to the customer's private identity information and introduces uncertain factors when the customer logs in, making the password used by the customer dynamic and unpredictable.

4. E-banking transaction instructions: refer to the requests made by customers for inquiry, transfer, investment and wealth management, online payment, etc. Provide Party B with the signing account number (card), user name, Ukey digital certificate or dynamic password and the corresponding password through the electronic banking channel.

5. Transfer card to one account: if the card is transferred to one account to sign an e-banking contract and select the associated voucher, the card or discount has the same function and limit. When the customer card or discount changes, e-banking will automatically update the account (card) number, which is consistent with the original card or discount function.

Article 2 The opening of electronic banking services and the service contents.

1. Opening of online banking service and service contents

Party A registers Party A's personal basic information and account information through the bank website, and after completing other related operations as required, opens online banking by itself and becomes an online registered online banking customer. Online registered online banking customers can enjoy account inquiry, loss reporting and other services.

Party A shall register at the counter of a bank outlet and go through relevant formalities to become an online banking customer registered at the counter. Online banking customers registered at the counter can enjoy the following services: account inquiry, loss reporting, account management, transfer and remittance, online payment, investment and wealth management, foreign exchange trading, loan business, etc. Opening and service content of telephone banking service

Party A registers personal basic information and account information through 95580 customer service telephone, and after completing other related operations as required, opens telephone banking by itself and becomes a self-registered customer of telephone banking. The services that self-registered customers can enjoy include: account inquiry, consultation, complaints, suggestions, loss reporting and other services.

Party A went to the bank outlet to register at the counter and became a registered customer of telephone banking counter. Telephone banking will provide various business services such as transfer and remittance, investment and wealth management, payment and recharge, account inquiry, consultation, complaints and suggestions according to Party A's choice. Counter registered customers can apply for opening or changing the functions provided by other telephone banks.

Article 3 Rights and obligations of Party A

I. Main rights

1. To use Party B's personal online banking service, Party A must hold Party B's confidentiality certificate (local currency personal settlement account, foreign currency all-in-one account, debit card or credit card) and register as a personal online banking customer at the bank counter; To use the telephone banking service, Party A must have a personal settlement account of Party B's local currency and foreign currency, and a debit card, and sign a contract at the bank counter to become a telephone banking customer. Party A voluntarily applies for registration as an e-banking customer of Party B, accepts the Articles of Association of China Postal Savings Bank (hereinafter referred to as the Articles of Association), and abides by relevant business rules and regulations of Party B.. After being approved by Party B, Party A has the right to enjoy the corresponding e-banking services according to the registered items.

2. If Party A has any questions, suggestions or opinions about Party B's e-banking service, it can call Party B's customer service telephone number "95580", log on to Party B's website or go to Party B's business outlets for consultation and complaint.

Second, the main obligations

1. The marks for online banking to judge the legal identity of registered customers and confirm the validity of transactions are customer certificates and corresponding passwords; Telephone banking identifies the legal identity of registered customers, and confirms the validity of the transaction with the customer number and corresponding password. Party A shall properly keep the customer number, customer certificate, corresponding password, registered account number of electronic bank, bank card number and password, and Party A shall be responsible for any risk loss or dispute caused by improper storage or password disclosure. All transactions realized through e-banking customer number, customer certificate and corresponding password shall be regarded as Party A's own behavior, and all consequences arising therefrom shall be borne by Party A. Party B shall use Party A's data and transaction records within the scope permitted by laws and regulations and authorized by Party A. Party B shall be obligated to keep confidential the personal data and other information provided by Party A, unless otherwise stipulated by laws and regulations.

2. Party A shall fully understand that the electronic banking service provided by Party B is the financial service provided by Party B through electronic communication. When Party A uses electronic banking services through electronic communication, there may be information transmission interruption, pause, delay, data transmission error or certain time difference. Party B shall not bear any responsibility for any information error or information failure caused by the failure of communication equipment beyond Party B's control. Due to the above situation, the e-banking service cannot be handled or cancelled, suspended or terminated, and Party A shall complete the relevant transaction by other means.

3. For online banking, Party A should log in directly to Party B's website (website:), instead of logging in through e-mail or links provided by other websites.

4. Party A must properly keep the user name, password, bank card number, passbook account number, dynamic password and customer digital certificate, and be responsible for completing electronic banking transactions through the above information. If the electronic certificate and password are lost or forgotten, you should immediately notify the bank and go through the replacement procedures. If it is not handled in time, all losses caused shall be borne by Party A..

5. If Party A accidentally loses the electronic token and Ukey, it must immediately log in to the personal online banking report loss certificate, and all consequences before the report loss shall be borne by Party A..

6. Party A shall go through the relevant procedures according to the procedures specified by Party B when applying for electronic banking business functions, changing business functions, suspending online banking services, restoring online banking services, canceling accounts and canceling customers' accounts, otherwise the risks and losses arising therefrom shall be borne by Party A. ..

7. Party A's transaction is subject to the information recorded by Party B's system, and both parties acknowledge the authenticity, accuracy and legality of the information recorded by Party B's computer.

8. Party A agrees to sign the Online Banking Investment Service Agreement and other relevant agreements with Party B when using online banking for online payment, foreign exchange, national debt, funds and wealth management. Party A shall fully understand the risks of investment business and take full responsibility for the results of its online banking investment and trading activities.

Article 4 Rights and Obligations of Party B

I. Main rights

1. Party B has the right to upgrade and transform the electronic banking system. If the service is cancelled or suspended or the customer's account number, service content, items and methods are changed due to the upgrading of Party B's electronic banking system, Party B will make an announcement three days in advance through appropriate means, and will not notify customers one by one. During the upgrading period, Party A cannot use e-banking normally, and Party B will not bear any losses caused to Party A from this. ..

2. Party B has the right to modify the terms and articles of association, relevant business regulations and business rules of this agreement by announcement, without notifying customers one by one. If Party A refuses this modification, it shall cancel Party B's e-banking service within a reasonable time specified in the announcement. If Party A still uses Party B's e-banking service after the effective date, it shall be deemed to have accepted the relevant modification. If losses are caused, Party A shall be responsible.

Second, the main obligations

1. Party B shall timely and accurately handle the business request submitted by Party A according to the valid electronic instructions sent by Party A, and return the business processing information to Party A in time, but Party B shall not be responsible for the following situations:

1) The electronic instruction information received by Party B is incomplete or the information content is incorrect;

2) The available balance or credit line of Party A's account is insufficient;

3) The funds in Party A's account are frozen or deducted according to law;

4) Party A fails to operate correctly according to Party B's relevant business regulations or the operation is for malicious purposes such as fraud.

5) Force majeure (war, natural disasters, etc. ) or other reasons not attributable to Party B (unpredictable and uncontrollable factors caused by equipment failure, communication line failure, power failure, virus outbreak or unexpected factors in the transaction).

2. Party B has the right to stipulate and adjust the single transaction amount and daily cumulative transaction amount of e-banking related services.

3. The usage times or years of vouchers (matrix cards, electronic tokens and UKey) will be automatically reminded in personal online banking. If Party A fails to change the voucher in time, Party A will bear all the responsibilities.

4. Party B shall keep confidential the application materials and account information provided by Party A, except for the following circumstances:

1) with the consent or authorization of the customer;

2) According to the provisions of national laws and regulations or the requirements of judicial and administrative authorities;

3) out of public interest;

5. Party A's account loss reporting through Party B's personal electronic bank is regarded as temporary loss reporting, and Party B only assists in prevention and does not assume any responsibility. After the temporary loss reporting, Party A shall go through the formal written loss reporting procedures at Party B's business outlets within 5 days (including 5 days), and the loss reporting will automatically become invalid after 5 days.

6. In order to facilitate Party A's electronic banking transaction, Party B obtains some financial information from a third party and provides it to Party A through Party B's website and online banking system, but Party B is not responsible for the authenticity, validity and completeness of any information obtained from the third party.

7. Party B has the right to change the website where the bank provides online banking services, and Party B will make an announcement in advance through appropriate means instead of notifying customers one by one.

Article 5 exemption clause

Party B shall ensure the safety of the facilities and equipment of the electronic banking system and the safety control facilities and equipment, and take appropriate protection measures for the important facilities, equipment and data of the electronic banking. On the premise that Party B performs the above reasonable obligations, Party B will not bear any economic and legal responsibilities when Party A suffers losses due to unforeseen and uncontrollable factors such as equipment failure, communication line failure, power failure, virus outbreak or unexpected factors, war, natural disasters and other force majeure.

Article 6 Expenses

Party B has the right to formulate, adjust and modify the charging standard, charging method and charging period of e-banking business, and Party A shall pay the corresponding service fee, identity authentication tool fee, remittance fee and other related fees according to the charging standard formulated by Party B. The adjustment and modification of the above charging standard, charging method and charging period of Party B will be announced in an appropriate way without notifying customers one by one.

Article 7 Error Handling

Party A shall, within 3 working days after being convinced that its electronic banking transaction instruction is wrong, go to the outlet to inquire about the wrong account or call 95580 to report the loss manually, and clearly explain the possible reasons, related account numbers and transaction amount. Party B shall inform Party A of the investigation results and explain them within 5 working days from the date of receiving Party A's notice. If Party B believes that an error has indeed occurred and it is due to Party B, Party B shall correct the error within 3 working days after informing Party A of the investigation results.

Article 8 Dispute settlement

In case of any dispute during the performance of this agreement, both parties shall settle it through consultation. If negotiation fails, either party may bring a lawsuit to the people's court where Party B is located.

Article 8 Applicable legal provisions

The establishment, effectiveness, performance and interpretation of this Agreement shall be governed by the laws of People's Republic of China (PRC). In the absence of clear provisions in the law, the prevailing financial practices should be applied.

This agreement is a supplement to other existing agreements and agreements of Party B, not a substitute document. If there is any conflict between this agreement and other existing agreements and conventions, involving personal electronic banking business, this agreement shall prevail.

Article 9 Entry into force, termination and suspension of the agreement

1. This agreement shall come into effect as of the date of signature by both parties, and shall be terminated on the next working day after Party A handles the written account cancellation procedures of electronic banking at Party B's business outlets. If any provision of this agreement is confirmed to be invalid for legal reasons, it will not affect the validity of other provisions of this agreement.

2. The electronic banking service provided by Party B is limited by the status of the electronic banking service card (account) opened by Party A.. If the card (account) cannot be used due to loss reporting, payment suspension and other reasons, relevant services will be automatically suspended. When Party A's card (account) status returns to normal, Party B shall provide corresponding services again.

3. If Party A violates the provisions of this agreement or other business provisions of Party B, Party B has the right to suspend or terminate this agreement ... The termination of this agreement does not mean the cancellation of the unfinished trading instructions before termination, nor can it eliminate any legal consequences caused by the transaction before termination.

This agreement is valid for one year. 30 days before the expiration of the validity period, if either party does not ask the other party to terminate the agreement, this agreement will be automatically extended for one year. The above extension is not limited by the number of times.

Article 10 This Agreement is made in duplicate, each party holds one copy, which has the same legal effect.