Extraordinary Enjoyment, Glorious Experience

"One-to-one" Financial Consulting Service

Your satisfaction is what we are sincerely pursuing. From now on, our relationship managers will provide you with one-to-one, professional, insightful, and customized financial designs and services. We will introduce you our various service channels, how to apply for our products and users' instructions. In case you encounter any problem, please feel free to inform your relationship manager, and he or she will exert all their effort in solving your problems.

We also resort to unique and advanced software for professional financial management to analyze in a scientific way the assets and liabilities of yours or your families', precisely calculate your financial revenue and expenditure, and design multi-stage, tailor-made solutions for your financial management. These products and services help you to better plan your life, and achieve optimized value and top quality for your entire life.
Up to the end of 2003, our relationship managers for Sunflower VIPs has reached 900.

Priority and Exclusive Space for VIPs
As our most valued client, we are trying to save your precious time. From now on, sixty-seven "Sunflower VIP" Service Centers, 228 "Sunflower VIP" rooms, and 250 "Sunflower VIP" Service counters at China Merchants Bank are set for all Sunflower VIPs. You do not have to wait in line, and what you have will be Priority and Exclusive Space.

Bountiful and Timely Financial Information

We provide you bountiful and timely information on investment, all customized against your personal requirements.

·Market information: you will receive our regular analysis report and updates on stock market, foreign exchange market and funds investment. We also offer you "Timely Rain" and "Wisdom Star", two customized securities investment information service.

·Expert Team: China Merchants Bank has mobilized all its senior foreign exchange analysts to run "ForEx Express Studio", which provides professional consulting service on your foreign exchange investment. China Merchants Bank cooperates with security company and funds management companies, brings their securities analysts together to run "Investment Express Studio", which provides professional investment and funds management advices.

·Financial Management Forum: China Merchants Bank has introduced "Golden Sunflower" Financial Management Forum, which holds "ForEx Express Studio Point to Point" on-line forum on Mondays of the third weeks each month (subjected to change), giving systematic lectures on foreign exchange, holding seminars on focus issues, and offering investment service. "Investment Express Studio Point to Point" hosts irregular on-line forum on changing focus issues of the market.

·Notice Service: It sends you timely information on interest rate changes, new products and service, as well as price matching reminders and breaking events.

·Account Information: It notifies you on time whenever there is any change to your financial management accounts, so that you will be aware of your account status anytime, and manage your funds in time.

·Membership Journal: You will receive carefully designed and printed Sunflower VIP membership journals from us on an irregular basis. You will be able to feel the preeminence and glory of being a Sunflower VIP of CMB.

Exclusive Right to Super-valuable favorable Treatment

As a Sunflower VIP, you may have exclusive right to various super-valuable favorable treatments in the city where your card was issued.

Discount and Exemption on Many Service Charges
You may enjoy discount or exemption on service charges for the following over-the-counter transactions at your local branch:
A. Transfer of proceeds and remittance: transfer of proceeds and remittance in RMB, inter-city deposit and withdrawal, etc.
B. Various special services: report of lost bankbooks, report of lost bankcards, and renewal/restoring of bankcards, etc.
C. Preparation of various types of proof documents: certificate of deposit, account balance statement under All-in-one-card, etc.

Contracted shops also offer discounts to Sunflower VIPs. By the end of September, 2003, a total of 195 contracted shops and 200 hotels have agreed to offer services at favorable fee rates.

"Sunflower VIP" Golf Club (http://www.golf1188.com/jkh.jsp) offers free reservation service for nearly 200 courses and tracks;
"Sunflower VIP" Tour Club (http://sunflower.cmitsz.com/) carefully designs tour routes for you, and let you enjoy super-value travel services.
Enjoy transaction Points Accumulation as well as other surprising favorable treatments.

Nationwide Universal Service
China Merchants Bank's "Sunflower" VIP Card is issued nationwide, and all the service outlets across the country provide universal VIP services. You are entitled to the Bank's Top-class nationwide universal service:

·"Sunflower VIP" plane boarding service in major cities of the country;
·Hotel reservation and VIP services in hundreds of 4-stars or above hotels nationwide;
·"Sunflower VIP" Remote Medical First Aid Service;
·Air ticket booking and weather/traffic information inquiry services;
·Free short-time safekeeping service at designated service outlets;
·Emergency withdrawal, emergent report of loss, free Financial Management Secretary notice
    via mobile phone messages or E-mails, etc.