Features: 
1. Convenient: Apply anytime, card issued at once, valid long-term.
2. Multiple accounts: Different currencies (RMB or foreign currency), deposits of different terms, loan accounts, passbooks and Certificate of Deposit can all be tucked away in one Hua Xia card, no need to remember all kinds of passwords.
3. Multiple cards: Holder of agreement card (Principal Card) can apply many non-agreement cards (Supplementary Card) for others to use together the money in principal account for deposit, withdrawal, transfer, spending, auto-pay or collection. 
4. Low fee: Currently, there is no annual fee for Hua Xia card. Low fee for card renewal/replacement, intra-city ATM withdrawal, inter-city ATM withdrawal, transfer, deposit/withdrawal at Hua Xia counter. 
5. Highly secure: All transactions are encrypted, PIN is used during transaction.

What are the functions?
——Ten Platforms
Your Hua Xia Card has many functions and is very versatile.
The “Ten Platforms” in your Hua Xia Card give you versatility, convenience and control over your expenses for everyday needs. Take the easy life with your Hua Xia card 
1. Savings Platform: robust management, guaranteed
2. Payment Platform: spend in five Continents, happy
3. Remittance Platform: remit anytime, anywhere, safe
4. Transfer Platform: send and receive money at a click, fast
5. Bill Payment Platform: auto-pay, auto-collect, convenient
6. E-Platform: flexible, easy, free 
7, Wealth Management Platform: invest and accumulate wealth, more money
8. Loan Platform: borrow and repay, more opportunity 
9. Lady Platform: Ladies only, in Style
10. VIP Platform: value-added services, best services

(I) Savings Platform: robust management, guaranteed
A range of savings services for you to manage your savings and accumulate wealth.
1. Multiple accounts: 
Cardholders are free to open as many deposit and loan accounts of different currencies (RMB or foreign currency) and different terms in one Hua Card. No need to remember all the passwords in different passbooks and certificates of deposit.
2. Multiple cards:
Holder of agreement card (Principal Card) can apply many non-agreement cards (Supplementary Card) for others to use together the money in principal account for deposit, withdrawal, transfer, spending, auto-pay or collection.
3. Scheduled Re-deposit:
Once the re-deposit agreement is signed between the cardholder and Hua Xia Bank, Hua Xia system will automatically re-deposit the current savings to fixed deposit or re-deposit the mature fixed deposit to fixed/current deposit, as agreed.
4. A/C transfer IN/OUT:
Cardholders have the option to move the certificate of fixed deposit (in home or foreign currency) and FX current savings to Hua Xia card for easy management, move out of the Hua Xia card to manage separately. This function is only available for the agreement card (Principal Card).
5. 7-day Interest Gain
Cardholder and Hua Xia Bank sign an agreement to confirm the minimum balance remained in the current account of the Hua Xia Card. When the amount available in the current account is more than or equal to RMB 50 000 after deducting the agreed amount should be remained, Hua Xia Bank will automatically transfer all the extra amount to 7-day call deposit with interest accrued. 
6. FX Term Savings
A FX savings whereby the deposit amount, term, interest rate are fixed in an agreement between the cardholder and Hua Xia Bank. Interest will be accrued accordingly.

(II) Payment Platform: spend in five Continents, happy
A range of payment services for you to use Hua Xia Card to pay, to shop, to buy, wherever, whenever you like.
1. Pay for retail spending:
Cardholders are free to use the Hua Xia card to pay for shopping at any merchant in China or overseas with POS labeled with CUP. 
2. Pre-authorization:
The pre-authorization function of the Hua Xia card can be used to freeze the deposit during the hotel reservation and settle during check out, No cash involved
3. Alipay:
Once Alipay account is bound with Hua Xia card, no need to logon Hua Xia Bank’s Internet Banking, just access the Alipay account and use the Alipay password to draw money from the Hua Xia card to pay via www.alipay.com (alibaba’s payment platform).

(III) Remittance Platform: remit anytime anywhere, safe
Fast and safe remittance service for you to remit money to Hua Xia accounts or accounts of other banks, in the same city or in the other city.
1. Dial-to-remit:
Cardholders will be given a verification code when the service is signed up at the counter. The verification code is used to identify the cardholder during remittance. There are four types of phone remittances: remittance to Hua Xia Bank in the same city, remittance to other banks in the same city, remittance to Hua Xia bank in other city, remittance to other banks in other city. 
2. Remit via Hua Xia:
Cardholders are free to make any remittance via Internet Personal Banking: remit to Hua Xia accounts, remit to accounts of other banks and simple remittance inside Hua Xia.
3. Intra-city/Inter-city remittance:
At any Hua Xia outlet, cardholders are free to transfer the amount in the card to any account in the same city or in the other city.

(IV) Transfer Platform: send and receive at a click, fast
Fast and convenient transfer service for you to transfer money between many accounts or accounts in different cities. 
1. Card-to-Card:
At any Hua Xia outlet or ATM, cardholders are free to transfer the amount in the card to any Hua Xia card.
2. Inter-bank transfer:
Amount in the card can be transferred to card of other banks or vice-versa.
3. Inter-city withdrawal:
At any Hua Xia outlet or ATM cardholders are free to draw or transfer the amount in the account of other city. At any Hua Xia outlet cardholders are free to deposit money into the account of other city. 
4. Transfer between accounts in the card:
At any Hua Xia outlet or self-service devices in the same city cardholders are free to transfer the amount in current account to fixed deposit or vice-versa (see “Scheduled Re-deposit”).

(V) Bill Payment Platform: auto-pay, auto-collect, convenient
A one-stop service for you to pay bills or collect fees, no more hassles of running around.
1. Bill Payment Service:
This service allows cardholders to pay all the utility bills (water, electricity, gas, cable TV, phone, tax, medical insurance, school and miscellaneous fee, penalty fee) at Hua Xia Bank.
2. Payroll Service 
This service allows cardholders to collect salary, bonus or insurance claims from Hua Xia Bank provided the company has signed the agreement with Hua Xia Bank.

(VI) E-Platform, flexible, easy, free
Internet Banking and Phone Banking are ready to serve you via the virtual world, convenient, flexible.
1. Internet Personal Banking:
No need to run to Hua Xia counter, just logon Hua Xia Bank’s Internet Banking, all the online services are available 24 hours a day across regions.
2. Mobile Banking:
Cardholders use the mobile phone to access Hua Xia Bank services via wireless network. Basic services include enquiry, transfer ad bill payment.
3. Phone Banking:
Cardholders use phone or fax to call Hua Xia Bank’s Customer Service Center for services.

(VII) Wealth Management Platform: invest and accumulate wealth
A range of comprehensive services and products for you to invest and accumulate wealth.
1. Third Party Depositary:
Cardholders have the option to choose Hua Xia Bank as the third party depositary bank during settlement of securities transactions. The service and convenience to cardholders in drawing funds in and out of the account and protect the cardholders’ monies from being embezzled. 
2. Buy/Sell gold on personal account:
Cardholders are welcomed to authorize Hua Xia Bank to buy/sell gold, clear and settle the funds, or draw physical gold from the warehouse.
3. FX trading:
To Hua Xia cardholders, use the identity document to deposit a sum of FX cash or transfer the FX (included FX remitted from overseas) into the Hua Xia FX card. Sign up the service at Hua Xia Bank. After that, logon Hua Xia Bank’s Internet Banking or Phone Banking to start buying or selling FX in firm bid. 
4. Fund Supermarket:
Use your Hua Xia card and identity document to sign the agreement at any Hua Xia outlet in your city. Once completed, you can subscribe, buy or redeem funds that Hua Xia Bank sold on behalf at any Hua Xia outlet in your city, Internet Banking or Customer Service Center (Phone Banking). Invest in funds can bring in considerable income. 
5. Limit management:
Based on the cardholder’s application, Hua Xia Bank manage the cash advance, retail spending and transfer by the agreement card (principal card) and non-agreement card (supplementary card) for the purpose of good personal finance. Cardholders can restrict the type of transaction, type of merchants, limit of one transaction or recurring transactions.

(VIII) Loan Platform: borrow and repay, more opportunity
A fast service for you to get loan for your business when the opportunity comes.
1. Self-service loan
A RMB secured loan released under clear purpose. Hua Xia Bank grants the credit line, term, purpose and floating margin of interest rate based on the borrower's credit standing. The borrower can use the Hua Xia card to get the loan at Hua Xia outlet or through electronic banking. Types of loan are personal consumer loan, loan for self-employed, private Loan and short-term personal loan.

(IX) Lady Platform: Ladies only, in Style
Special value-added services for lady cardholders only, be fashionable, beautiful.
1. Discount offer:
Cardholders are entitled to all the discounts offered by thousands of branded merchants in the country, clothing stores, jewellery shops, beauty saloon, body fitness centers, restaurants, entertainment venues, consultancy or training.
2. Value-added services:
Cardholders are free to join all the promotional activities organized by Huaxia Bank, or consult us and get newsletter through Hua Xia Sinobeauty Card Club website.
3. Low fee:
No banking charges collected on: replacement of card, annual fee, mandatory change of password, intra-system deposit to Hua Xia account at the Counter, intra-system cash withdrawal from Hua Xia accounts (ATM or at the counter in other city), inter-city transfer from Hua Xia card to Hua Xia card at the counter, inter-bank ATM enquiry inside China, SMS Alert on account information.
4. Smart Money:
Hua Xia Sinobeauty Card can be used for earning points, applying for loan, scheduling re-deposit, setting transaction limit, buying funds or opening FX term savings, Hua Xia Sinobeauty Card is a better choice for ladies.

(X) VIP Platform: value-added services, best services.
A range of value-added services specially for the luxury taste of VIP customers.

Interest and Fee:
Interest rate of deposits and loans in the card follow PBC regulations. fee will be collected according to the charging standard of Hua Xia card.

Applicable Clients:
1. Business Travelers: Hua Xia card can be used for cash withdrawal, remittance, transfer and deposit/payment in other cities. No cash to bring around while traveling. 
2. Students: Hua Xia card can be used for paying tuition fee, low fees for drawing money from other banks.
3. Those who manage the expenses of the family can use Hua Xia card to limit the spending of children or other members. Scheduled re-deposit saves you all the trouble. 
4. Those who hold considerable sum at hand and want to invest can use Hua Xia card to buy fund or deposit into FX term savings through Customer Service Center (Phone Banking) or Internet Banking.
5. Those who need short-term cash can use Hua Xia card to apply loan through Hua Xia Bank's self-service channels.

Service Channels:
1. Hua Xia outlets: All Hua Xia card services.
2. Hua Xia ATM: Enquiry, cash withdrawal, transfer and printing slip.
3. Hua Xia Multimedia Enquiry Machine: change password, check account balance in the card, print transaction details of master account of current savings, transfer between cards and transfer within the card.
4. POS: Spending and pay deposit.
5. Internet Banking: If you are a general customer, use Hua Xia card to check account, pay bills, report of the loss and Change password. If you are an enrolled customer, you can use Hua Xia card to check account, transfer, apply a loan yourself, pay bills, report of the loss, change password, schedule transfer, inter-transfer between time deposit and current savings and remit via Hua Xia Bank. 
6. Customer Service Center: Call Hua Xia Bank Customer Service Hotline: 95577, check Hua Xia card (balance, details), change password, report loss, reconcile by fax, apply a loan yourself, bank-insurance transfer (available in some Hua Xia Branches), mobile SMS, and auto-pay
7. Mobile Banking: Check account, pay bill, trade fund and report loss.

How to Apply?
1. Apply a card: Apply at Hua Xia outlets with your valid ID, fill in an application form, deposit at least RMB 10, set password and collect your Hua Xia card straight away.
2. Change password: change at any Hua Xia outlets or ATM in your city using your Hua Xia card, or through Customer Service Center (Phone Banking), Internet Banking usingyour Hua Xia card No.
3. Report and cancel of loss: 
Report loss: Call 95577, logon Hua Xia bank website or at any Hua Xia outlet in your city. To make the report in person, surrender your ID card. If someone makes the report on behalf of you, your ID card and the ID of this person are required. Report loss through all channels is official and valid all the time once successfully made.
Cancel the report of Loss: Cancel in person at the original outlet where you report the loss (or any outlets under the Hua Xia branch where your Hua Xia card is issued if you report the loss through Internet Banking or Phone Banking 95577) using your ID card, return slip (no need when reporting through Internet Banking or Phone Banking (95577)) and the lost card. 
4. Cancel Card:
With the Card: Cancel at any Hua Xia outlet in your city with your Hua Xia card, document to verify your identity, fill in withdrawal slip and Support Service Application Form. 
Without Card: Cancel at any Hua Xia outlet in your city with the original lost Support Service Application Form and document to verify your identity, fill in withdrawal slip and Support Service Application Form.

Tips:
Notice: 
1. Do not place your Hua Xia card and identity document in the same place, otherwise you have to report loss and replace a card when both are lost. 
2. Pay attention to use your Hua Xia card at the Hua Xia Bank outlet, merchant or ATM. Beware of your surrounding especially while entering your PIN, shield the PIN keypad with your hand or body.
3. Keep the receipt to stop people from stealing your card information.
4. Do not easily fall into the trap of someone asking you for the card balance or the use of the card.
5. Do not follow anybody to check the card at the designated card device, keep people away from stealing your magnetic stripe information or password.
6. Report any suspicious SMS, call Hua Xia Bank Customer Service Hotline 95577 to check.
7. Never listen to anybody asking you to transfer money. Avoid any monetary loss because of fraud.
8. Do not leave your card out of your sight when swiping your card. Someone may use your card or your card is used at the wrong place. 
9. When signing the bill, make sure the card No., billed amount and currency is correct. Be sure the card returned by the merchant’s staff is your Hua Xia card. 
10. Always take your cancellation slips with you when the merchant cancel your transaction.
11. Do not use public phones or phones with display function which are unsafe to call Phone Banking. 
12. Do not use public computers in internet bar, hotel, entertainment venues to logon Internet Banking.
13. Keep all the passwords for Internet Banking, Phone Banking, and Mobile Banking in a safe place. Never lend or let someone to use. Change the password if found may be disclosed.

Draw cash at ATM:
1. No password is required when you enter self-service banking area.
2. If ATM has deducted your amount but no cash comes out, immediately go to the nearest Hua Xia outlet or call Hua Xia Bank Customer Service Hotline 95577 for help.
3. If ATM swallows your card, immediately go to the nearest Hua Xia outlet or call Hua Xia Bank Customer Service Hotline 95577 for help. Use your ID card and collect your card back on the date specified by the management organization in charge of the ATM, If someone collects on behalf of your, the ID card of your representative and Authorization letter are required. If you do not collect within the specified period, Hua Xia Bank will cancel your swallowed card according to the rules. You have to get a replaced card at the card issuing bank again. 
4. Stay alert at ATM, If you notice anything suspicious, such as anything "added" or "sleeved" into the card insert slot, cash-out slot, keyboard or other place, or the colors of ATM body and surface are not the same, call Hua Xia Bank immediately.

If your Hua Xia card is lost or stolen
1. Make a verbal report of loss immediately by calling Hua Xia Bank Customer Service Hotline 95577 or via online banking. Go to the card issuing bank to make a written report of loss within 5 days. Otherwise the cardholder is liable for all the loss incurred upon the expiry of verbal report of loss. 
2. Report loss is immediately valid once all the formalities are completed. Cardholders are not liable for any monetary loss incurred by the card being used by someone, unless otherwise stated by the laws. The date of and amount of the report loss taken by the Hua Xia bank system is final.
3. Cardholders should, use the identity document and relevant vouchers to get a replacement card or cancel the card 7 days after written report of loss at the outlet specified by the card issuing bank.

How to set password and what if password is lost
1. Password is the key to use Hua Xia card. Do not use birthday, telephone number, mobile number, door number or any number that can be cracked easily (eg 111111, 99999).
2. Change the password often if used very frequently.
3. Never leave your password on paper or card.
Card issuing bank treats all transactions that require password as transactions made by you. Cardholders are responsible for all the loss arising from improper safekeeping or use of the password.

II. Hua Xia Company Card
A multi-functional bank card issued to corporate entities in China that comes with deposit, spending and business finance, in two types: agreement card (Principal Card) and non-agreement Card (Supplementary Card).

Features: 
1. Safe: All transactions are encrypted, no need to bring massive cash around.
2. Multiple cards: Holder of agreement card (Principal Card) can apply many non-agreement cards (Supplementary Card) for others to use together the money in principal account, manage the spending of others, pay business bill, stop fraudulent accounts, save cost. 
3. Limit Management: As the holder of agreement card (Principal Card), you can set different types of limits for other non-agreement cards (Supplementary Card), such as maximum limit for single expense, cumulative limit for monthly expenses, and type of spending.
4. SMS: You are kept informed in the first minute by short messages once there are changes in your account. Currently this service is free. (Refer details in "Short Message Services")
5. Bill Payment Service: Hua Xia Company Card can be used for payment of tax. No more trouble to pay in cash.
6. Bonus Points Scheme: No application, all handled by Hua Xia Bank. Points are earned whenever you use the Hua Xia card to spend, by amount or by number of transactions. Prizes, gift items or discount services are available for conversion of the points earned.

Applicable Clients: 
Corporate entities in China, those who apply on behalf must have written authorization from legal representative or company representative.

Interest income:
Interest rate of deposits and loans in the card follow PBC’s regulations.

Service Channels:
Apply at any Hua Xia outlet. Services and functions are available at Hua Xia outlets, ATM, Merchant (POS), Internet Banking and Customer Service Center (Phone Banking).

How to Apply?
1. Documentation required: Original of Business License (master), account opening permit, written authorization from legal representative or company representative who authorize you to apply, document to verify your identity, reserved seal card, fill in application form and stamp the form with company seal.
2. Specify the original deposit account opened in Hua Xia Bank as the account for the Company Card, apply the card at the Hua Xia outlet where the original deposit account is opened.
3. Non-agreement card (Supplement Card) can only be applied at the Hua Xia outlet where agreement card (Principal Card) is issued. Documentation required: written authorization from legal representative or company representative who authorize you to apply, documents to verify the identity of the holders of agreement card (Principal Card) and your ID card, fill in application form. Holder of agreement card confirms the details on the spot.
4. Company Card can only be canceled at the Hua Xia outlet where the card is issued and must be applied by legal representative or company representative in written (stamped with company seal), fill in Support Services Application Form (choose "cancel card"), document to verify your identity. Principal account will not be cancelled after Company Card is cancelled.
5. Report loss of Company Card can be made at the Hua Xia outlet where the card is issued or other Hua Xia outlets in the same city. Cancel report of loss must be made at the Hua Xia outlet where the report is made; Stop payment and cancel stop payment can be made at the Hua Xia outlet where the card is issued or other Hua Xia outlets in the same city. Replacement of card, renewal, freeze, unlock must be made at the Hua Xia outlet where the card is issued.

Tips: 
1. Opening amount is RMB 1,000, no cash withdrawal, all the money must be deposited through company deposit account. Company Card account can only use Company Card to settle, no other way. No transfer to Personal Card.
2. Company Card cannot be used to buy commodities worth over RMB 100,000 or pay labor services.