• Deposits and withdrawal freely nationwide
  The cardholder can make deposits and withdrawal at any branch that offers the Orient Card business or any ATM labeled with "China Union Pay" nationwide. The deposits could reach the designate account at real time from one city branch to another (Deposits is limited with our branch).
  
• Merchant Consumption
  The cardholder can make consumption settlement at our designated merchant or any POS labeled with "China Union Pay".
  
• Automatic Transfer between RMB Current and Time Deposits.
  (1)Automatic Transfer from Current to Term Deposits:
  After signing agreement with the cardholder, we could help the cardholder to transfer the leisure fund to time deposits so as to maximize the yields for the cardholder.
  (2)Automatic Transfer from Time to Current Deposits:
  When the a cardholder's current account balance could not meet the need of withdrawal, consumption or other payment, we could make automatic transfer from time to current account according to the account setting order and minimize the interest loss. The automatic deposits account transfer reflexes our considerate tailor-made service.
  
• Personal Assets Management
  The cardholder can use the Orient Debit Card to make RMB and multi-FX currencies time and current deposits, time deposits automatic transfers and consumer loan secured by certificate of deposits.
  
• Payroll and withholding services via Orient Card
  The cardholder can sign agreement to use the Orient Debit Card to pay the public utility fees and collect salary.
  
• Fee-based services
  The cardholder can use the Orient Debit Card to conduct securities trading and fund purchase registration.

Orient Debit Card could be used at SPDB's teller counter, ATM, POS, phone banking, online banking and other bank's ATM labeled with "China Union Pay" or designated merchants' POS.

• Services available for Orient Card at SPDB's teller counter: deposits & withdrawal, loss report, loss report cancellation, PIN change, inquiry, statement printing.
  
• Services available at ATM for Orient Card: deposits & withdrawal, PIN change, inquiry and statement printing;
  
• Services available at SPDB's Phone banking: loss report, inquiry, PIN change, fax printing.
  
• Services available at SPDB's online banking: inquiry, PIN change, fax printing.
  
• Services available at other bank's ATM labeled with "China Union Pay": withdrawal and inquiry.
  
• Services available at designated Merchant's POS labeled with "China Union Pay": consumption.