1.All-in-one design for family wealth management: CGB Licaitong Card handles current and time deposit in RMB, HKD and USD etc. The introduction of total amout management makes it possible to put family (individual) wealth management in one card.

Meanwhile, CGB Licaitong Card has both main card and additional cards so that the family¡¯s financial matters can be handled in one account without limiting the use of fund by any family members.

 2.Investment and consumption in one card: Functions such as deposit and withdrawal, transfer, remittance, spending, borrowing, investment (purchase of fund, insurance, wealth management products and stocks) can all be realized in one card.

3.Free switch between demand depoist and time deposit and ¡°smart overdraft¡±: CGB Licaitong Card launches two functions (i.e.free switch and smart overdraft), which enables clients to enjoy the convenience of demand deposit and the profit of time deposit.

Free switch between demand deposit and time deposit: the client and the bank sign a free switch agreement to set the threshold amount, reserve amount and term. Once the demand deposit balance in the client¡¯s card reaches the Threshold, the banking system will automatically convert the balance with reserve deducted into time deposit at the agreed term.

Intelligent overdraft: time and demand deposits are funds used by cardholders at any time. In consumption and cash withdrawal, if the clients find that the demand deposit in CGB Licaitong Card is insufficient to pay the sum while the total sum of deposit is sufficient, CGB permits the clients to temporarily use the "time deposit" provided that the cardholder deposits the sum of overdraft into the card before the close of business on that day, and the time deposit of the cardholder will not be changed. Therefore, the shareholder can get more deposit proceeds and suffer from less loss. If the clients fail to pay off the overdraft amount of that day, the bank system will automatically transfer the sum in the time deposit on a 100-yuan basis to the current account to make up the overdraft amount according to prior agreement with the clients and the provisions of ¡°preference on the account-opening day¡± and ¡°priority of interest¡±, so the clients suffer from the minimum loss of interest of time deposit.

 4.Joint account and joint management: CGB Licaitong Card launches the concept of "joint account" to meet the client demand for joint wealth management. The client only needs to open a CGB Licaitong Card joint account (joint card) at the bank outlet and enter password when effecting withdrawal or transfer to achieve joint wealth management.

5.CGB Licaitong Card(debit card) includes one common card and one platinum card.