Category of Functions	Name of Function	Function Description
Automatic Voice Service	Account information inquiry	Inquire balance in "All-in-one-card" accounts and corporate accounts with CMB as well as transaction details.
	Transfer	Clients can transfer proceeds between the current account and time-deposit accounts in their "All-in-one-card", or repay their CMB credit cards.
	Password Change	Clients can change their inquiry password and withdrawal password.
	Report of Loss	Process the initial loss report of "All-in-one-card".

Category of Functions	Name of Function	Function Description
Automatic Voice Service	Account information inquiry	balance in their bankbooks and “All-in-one-card” accounts with CMB as well as transaction details.
	Transfer	Clients can transfer proceeds between their All-in-one-cards, bankbooks, and credit cards accounts as well as between Internet payment accounts.
	Self-help Fee payment	Clients can inquire and pay many fee items such as mobile phone service fee and electricity charges.
	Bank-Securities proceeds transfer	Clients can conveniently transfer proceeds between their bank accounts and guaranty proceeds account  for securities trading.
	Bank-Securities Express	Clients can directly trade stocks with their bank accounts via 95555.
	Bank-Fund Express	Clients can trade open funds via 95555.
	Government bonds trading	Clients can trade government bonds certificate via 95555.
	Foreign Exchange Trading	Clients can trade foreign exchanges via 95555.
	Self-help Loan Application	Clients can apply for personal collateral loan via 95555.
	Faxed Message Service	Corporate clients can receive list of daily transactions, transactions history record or interest rates, etc via fax.
Human-aided Service	Inquiry on dubious account information	In case the clients doubt the account information they receive, they may inquire through human-aided services.
	Service inquiry	Clients can learn more about services and products offered through human-aided service; they can also seek answers to their questions about the products.
	Customers’ complains	Record clients’ complains on service quality, business, and product quality and report to relevant departments, relay the feedback to the clients within given time.
	Report of Loss	Record clients’ oral reports on loss of bankbooks or All-in-one-cards.
	Dial-out services	Contact clients via telephone, fax, and e-mail, sending messages such as loans/interest payback reminders, transaction reports, replies to fund management service application and complains feedback, important notices, and service marketing information.
	Human-aided Trading	Human-aided “Fast-and-easy fund management” service via 95555, with which, operators of our bank process transactions in government bonds certificates, open funds, or proceeds transferring between their own accounts or to a third party under client’s instructions. It saves their tedious button-pressing work.
Functions to be available	“All-in-one-net” on-line service	Clients may soon avail themselves of all-round, around-clock service via internet, e-mail, network callback, and instant message service.

1.	Service available without application: As a client of China Merchants Bank, you are accessible to our 95555 Telephone Banking service immediately.
2.	Voice Program of Telephone Banking service: If you are a client of China Merchants Bank in the following cities: Beijing, Shanghai, Shenzhen, Dalian, Guangzhou, Dongguan, Nanchang, Hangzhou, Ningbo, Wenzhou, Wuhan, Huangshi, Yichang, Nanjing, Suzhou, Kunming, Chengdu, Ji'nan, Harbin, Lanzhou, Urumuqi, Hefei, Xiamen, Shenyang, Dandong, Panjin, Changsha, Fuzhou, Xi'an, Tianjin, Qingdao, Chongqing, Zhengzhou, Shaoxing, and Yantai, please dial the local 95555.
3.	Dial your local 95555, press 8 to enter our English service portal, then simply logon your account by either All-in-One card (debit card), Credit card or Corporate account.  Click here to view specific operation map