Greater Bay Area Personal Financial Services Being the Industrial and Commercial Bank of China (“ICBC”)’s flagship in the overseas business, ICBC (Asia)’s wide range of personal financial cross-border services provide one-stop account opening, loan, payment, wealth management and priority services, which ensure you smooth transactions during your travel in the Greater Bay Area. Cross-boundary Wealth Management Connect Greater Bay Area Account Opening Greater Bay Area Mortgage Loan Greater Bay Area Premier Banking Services Greater Bay Area Payment Service Cross-boundary Wealth Management Connect ICBC (Asia)’s comprehensive Cross-boundary Wealth Management Connect Scheme, your first choice for cross-border financial service! With one account, you can connect to ICBC Guangdong Branch and Shenzhen Branch. More than 30,000 professional financial advisors are equipped in the Greater Bay Area to help customers seize investment opportunities in the huge markets of the Chinese mainland and overseas beyond boundaries. Greater Bay Area Account Opening Along with the prevalence of electronic payment in the Chinese mainland, an electronic wallet linked with a Chinese mainland bank account is sufficient for everyday expenses on basic necessities. Through "Greater Bay Area Account Opening" service, you can quickly open a Chinese mainland bank account – ICBC type II or type III account at any ICBC (Asia) branch without leaving Hong Kong, enabling you to link with the Chinese mainland mobile electronic payment applications in advance. No matter you are on a leisure travel or business trip, as long as you have an e-wallet with you, you can easily deal with your daily consumption, shopping, transportation, bill payment and other needs. Greater Bay Area Mortgage Loan

The development plan for the Greater Bay Area is one of the signature projects of China. A number of large-scale transportation infrastructure projects have been completed, helping to create a one-hour living circle in the Greater Bay Area. Many Hong Kong residents have chosen to purchase properties for investment, vacation or future retirement in the nine major cities of the Greater Bay Area. ICBC (Asia)’s "Greater Bay Area Loan - Mortgage" service provides a professional and effective mortgage plan which enables you to "borrow in Hong Kong, repay in Hong Kong" to avoid the risk of interest rate fluctuations. By assisting Hong Kong residents in purchasing the Chinese mainland properties with ease, customers can relish the convenience of living in the Greater Bay Area. Greater Bay Area Premier Banking Services Do you travel between Hong Kong and the Chinese mainland frequently and prefer more comprehensive services when you visit a local bank? ICBC (Asia) provides exclusive “Greater Bay Area Premier Banking Services” - Priority Services to our selected high-net-worth customers, allowing your VIP status to be mutually recognised at designated service locations across Hong Kong, the Chinese mainland and Macao to enjoy VIP services and privileges. Greater Bay Area Payment Service ICBC Greater Bay Area UnionPay Dual Currency Card is definitely your first choice for traveling in the Greater Bay Area. With one credit card, you can enjoy a hassle-free journey across the Greater Bay area. You can use the card for transportations include designated Hong Kong taxis, cross-bridge fare of Hong Kong-Zhuhai-Macau Bridge, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machine, Shenzhen taxis and Guangzhou public buses. The card encompasses both HKD and RMB accounts. You can conduct transactions in RMB when in the Chinese mainland, and use HKD for spending in Hong Kong and overseas. By doing so, you can enjoy a waiver of foreign exchange fee on both RMB and foreign currencies spending. Choose the time, exchange rates, currencies and charges at your convenience With the extensive ICBC network in China, you can be assured that your money will be remitted to different places in China securely and rapidly and you can choose the time, exchange rates, currencies and charges at your convenience. Strengthen your fraud prevention awareness for enhanced asset protection Activate “Mobile Token” for Enhanced Fund Protection Beware of Fraudulent SMSs and Phone Scam