10/26/2018 Annex VI

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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

BOC Zhizhitong Financial Plan - Liquidity Enhancement Series

2018 A18798 Product Specification

Special Note:
1. Wealth management is non-deposit, products are risky, and investment must be cautious.
This financial plan does not guarantee the principal and income, such as the investment
If the financial assets are not paid in full or on time, or the product is terminated early, the financial plan will have zero income and
/ or the possibility of loss of the principal, please fully understand the investment risk and invest carefully.
2. This product is suitable for individual investors with investment experience (hereinafter collectively referred to as “investors”), such as affecting inv
The factors of force change, please complete the risk tolerance assessment in time.
Third, the main risks are listed: market risk, credit risk, liquidity risk, etc. (see the section “VIII. Risk Disclosure” in this article).
4. Bank of China Co., Ltd. (hereinafter referred to as “Bank of China”) solemnly reminds: investors before purchasing wealth management products
The Bank of China Co., Ltd. General Agreement on Wealth Management Products, this Product Manual, and Wealth Management Products sh
Risk disclosure book and customer transaction information application form and "Bank of China Co., Ltd. personal wealth management produ
Recognize the form and the “Notes on Customer Rights” to ensure that you fully understand the nature of the investment and the risks involve
And prudently assess the capital investment direction, risk type and expected income of the wealth management products, after careful conside
Determining the purchase of wealth management products that match their risk tolerance and asset management needs; the expected year of th
The return on investment is not legally binding and does not represent the actual income that investors may receive, nor does it constitute the B
For any revenue commitment of this wealth management product, the ultimate income that the investor can obtain is supported by the bank ac
The amount paid to investors is correct.
For the agreement on the principal and income of the wealth management products, both parties shall use the product description of the wealth
The contents of the book shall prevail and the parties shall not modify them in any form including the signing of the supplementary agreement
5. After purchasing wealth management products, investors should pay attention to the information disclosure of the wealth management products and
The following product ratings and related descriptions are internal information of Bank of China and are for investors' reference only.
Risk level: 2 The products
Low- and medium-risk probability that the principal loss is low, but the expected return has certain uncertainty.
Liquidity rating in This product has a short term but cannot be redeemed in advance.
Applicable to the investor category, assessed by the Bank of China as a risky, balanced, growth and progressive individual investor, machine
Construct investors.

First, product basic information

Investor type Individual investors, institutional investors
Initial subscription starting amount
The initial subscription amount is RMB 50,000, which is higher than the initial amount of RMB 1,000.
Increase; the additional subscription amount is an integral multiple of 1000 yuan; for details, please refer to the “III. Subscription
product name BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798
Product Code AMZYJZT-LPA18798

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10/26/2018 Annex VI
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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

National Banking Financial Information

C1010418005881
System registration code Investors can check products on China Wealth Management Network (www.chinawealth.com.cn) according to the registration co
information
product type Non-guaranteed floating income
Investment and wealth management
Renminbi
currency
Financial plan share face value
1 Yuan
Financial plan manager Bank of China
Financial plan sales organization
Bank of China
Financial plan custodian Bank of China
Investment target Use a more robust strategy to protect the value of assets as much as possible and to obtain higher returns than products in the mo
Maximum size of recruitmentRMB 1 billion
Financial plan subscription period
October 26, 2018 to October 29, 2018, 9:00-17:00. (As of the value date 9:00)
Investment income starting date
October 29, 2018
Financial plan expiration dateDecember 3, 2018
Financial plan duration 35 days
Product rate Sales service rate of 0.00% (annual rate), fixed management fee of 0.00% (annual rate) and other taxes and fees, exceeding
The income from the annualized investment yield is expected to be the floating investment management fee of the financial plan
Financial management
There is no subscription fee for the plan.
Expected annualized investment
3.80%
yield
Expected annualized investment yield
In the casemeasurement
that the financial products invested in the financial plan are completely recovered as scheduled, the relevant tax rate o
Count Transaction costs, sales service rate, wealth management asset custody and storage rate, product management rate, etc.
After the investment income. If and only if all parties involved in this product - the financial plan manager,
Other transaction related parties have fully fulfilled their obligations and responsibilities, and no disputes or duties have occurred
Under the premise of other risks, the financial plan manager estimates according to the currently known information.
The expected maximum annualized investment yield of this product.
Expected annualized investment yield is only financial plan management
Based on historical data and previous investment experience, the past performance of the product does not mean that the investo
The actual income does not represent its future performance and does not constitute a guarantee for the performance of the new w
It also does not constitute a commitment of the financial plan manager to any income of this product, and the investor can obtain
The amount paid by the Bank to the investor in accordance with this specification shall prevail.
Calculating the income is not equal to the actual income,
Investment must be cautious.

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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

Early termination Financial investors have no prior termination rights.

Bank of China has the right to advance in accordance with the actual situation of this financial plan
Termination of this financial plan.
Conditions that trigger early termination include, but are not limited to, during the duration of the financial plan,
If there are major changes in relevant national laws, regulations, and regulatory requirements or other unexpected events and fac

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10/26/2018 Annex VI
Significant changes in financial market conditions and other reasons have led financial plan managers to think of financial plann
If the plan is no longer suitable to continue to help investors achieve their investment objectives, the financial plan manager has
Termination of this financial plan before.
If the financial plan manager terminates the financial plan in advance, it will be at least 1 working day (inclusive) in the middle.
Announced on the Bank of China website ( www.boc.cn ) and will be within 5 working days after the early termination date
The wealth management plan assets are realized, and the funds are allocated according to the share held by the investors, and the
Specify a fund account. There is no interest-bearing between the early termination date and the actual arrival date of the funds.
Investment income calculation
Seemethod
the “IV. Investment income” section of this article for details.
Investment income allocationOne-time
frequency
distribution after the financial plan expires
Investor funds arrival date Within 2 working days after the maturity date of the financial plan, no interest will be accrued from the maturity date of the finan
Tax The taxable income of wealth management income is declared and paid by the investor.

Second, investment objects and investment restrictions

(1) The financial plan directly invests or indirectly invests in the following investment targets through various asset management products that meet the re
1. Money market instruments: including but not limited to various types of deposits, certificates of deposit, and pledged repo.
2.
Debt,Fixed income
corporate securities:
bonds, including but
super short-term not limited
financing bills,to government
short-term bonds,bills,
financing financial bonds, subordinated
medium-term bonds, offering
notes, non-public central bank bills, policy corporate
of non-financial financial bonds,
debt fin
Production support securities, etc.
3. Other financial investment vehicles recognized by the regulatory authorities.
(2) The specific investment ratio is as follows:
1. The ratio of investing in [money market instruments] and [fixed-income securities] is [0-80%] of the combined total asset size, which can be rooted.
According to the conditions of the investable target, it is adjusted within the range of ± [20%].
2.
The proportion of investment in [other financial investment instruments recognized by the regulatory authorities] is [0-80%] of the combined total asset
3. The average correction period of the portfolio is no more than 5 years.
Third, subscription
1. Subscription period: October 26, 2018 to October 29, 2018, 9:00-17:00 (9:00 as of the value date).
2. Investors have the right to stop accepting the subscription after the first-come-first-served period during the subscription period and the accumulated am
The subscription period ends early.
3. The subscription application can be revoked during the subscription period.
4. The starting point of the subscription is 50,000 yuan, which is higher than the starting point of the subscription by an integral multiple of 1,000 yuan. Th
Integer multiple.
5. Calculation of financial plan share: financial plan share = subscription amount ÷ financial plan share face value

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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

6. Deduction method: Investors' subscription funds will be deducted in real time or frozen first, and then deducted on the starting date of investment incom
If
Real-time deduction method, the interest during the subscription period is calculated according to the current deposit interest rate of the Bank of China, and 2
Pay within the day.
Investors should reserve sufficient subscription funds in the fund account. If the funds are insufficient, the subscription is considered invalid.
7, pending orders
Pending order period: October 26, 2018 to October 29, 2018
Reception time: Daily Beijing time 17:05 - next day 5:00
Investors can make pending orders through online banking, mobile banking and other channels during the pending order acceptance period.
Automatic transaction within the purchase acceptance time.
Investors should ensure that the fund account has sufficient subscription funds when conducting pending orders, and not less than this
The starting point amount of the subscription as stipulated in the financial plan.

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Fourth, investment income

1. Basis of investment income calculation: A/365
2. Investment income: investment income = face value of wealth management × wealth management share × actual annual investment return rate × numbe
365.
3. Actual annualized investment return rate:
3.1. If the actual investment operating income of the wealth management plan asset is sufficient to cover the investor's return calculated according to the
The actual annualized investment return rate is the expected annualized investment return rate.
3.2. If the actual investment operation income of the wealth management plan assets is insufficient to pay the investors' income calculated according to t
The actual annualized investment yield is calculated according to the income generated by the actual investment operation of the wealth management plan as
Announced on ( www.boc.cn ).
3.3. Financial Plan Assets The actual investment operation income refers to the deduction of the wealth management plan assets after the maturity date o
The expenses that the financial plan should bear (except for the floating investment management fee) and the remaining assets after the financial managemen
Financial principal = financial plan
All wealth management shares × 1 yuan.
3.4. Calculation example (simulated data):
3.4.1 Assuming that the face value of wealth management shares is 1 yuan and the share of wealth management is 200,000 shares, the actual annualized
Investor income calculated based on the expected annualized investment return rate (for example, 4.7%). If the wealth management product lasts for 365 day
1 × 200,000 × 4.7% × 365 days / 365 = 9400 (yuan);
3.4.2 Assuming that the face value of wealth management shares is 1 yuan and the share of wealth management is 200,000 shares, the actual annualized
The investor's income calculated according to the expected annualized investment return rate (for example, 4.7%), if the wealth management product is termi
For 100 days, the income of wealth management products investors = 1 × 200,000 × 4.7% × 100 days / 365 = 2,575.34 (yuan) (the above example is adopted
Assume that the data calculation does not represent the actual financial gains that investors can obtain. )
4. Example of the most unfavorable investment situation: The discounted investment assets will be realized, which will affect the realization of wealth m
Production
The main reasons for the above possible results include: First, the investment bond varieties are affected by market price fluctuations and there is market risk
two is

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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

The credit status of the invested assets has undergone a vicious change.
Investors will face the most unfavorable investment situation and investment results mentioned above.
The risk of loss of financial product principal and income, even investment income may be zero, the principal may be lost.
Assume that the investment assets are an enterprise
The bond is held and expires. When the bond expires and the bond issuer goes bankrupt and fails to pay the principal and interest of the bond, the financial m
Benefits and all losses of the principal.

V. Financial plan expenses

1. Sales service fee
After the establishment of the financial plan, the amount of the fee is calculated according to the “subscription amount × 0.00% × calculation income 36
The plan property is extracted and paid to the financial plan manager.
2. Fixed management fee
After the establishment of the financial plan, the amount of the fee is calculated according to the “subscription amount × 0.00% × calculation income 36
The plan property is extracted and paid to the financial plan manager.
3. Floating investment management fee
3.1. The maturity date of the financial plan, if the actual investment operation income of the wealth management plan assets is insufficient to pay the exp
For the calculated investor income, the financial plan manager does not charge the floating investment management fee.
3.2. The maturity date of the financial plan, if the actual investment operation income of the wealth management plan assets is sufficient to pay accordin
If the investor's income is calculated, the actual investment operation income of the financial plan asset exceeds the investor's income, which is the float of th
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The investment management fee and the floating investment management fee are accrued from the wealth management plan property and paid to the financia
4. Other taxes and fees: This financial plan may generate the following taxes and fees during the investment operation, including but not limited to: VAT
Taxes, income taxes, liquidation fees, etc. The taxes and fees involved in the operation of the investment, the above-mentioned taxes and fees (if any) are actu
pay.

6. Payment of the principal and income of the financial plan

1. The financial management plan and the investment income will be paid in one lump sum after the financial plan expires.
2. The financial deposit and investment income will be within 2 working days after the maturity date of the financial plan (in case of legal holidays)
No interest at all.
3. The financial management principal and investment income shall be paid within the limits of the wealth management plan property.
Financial plan property refers to the funds raised by this financial plan to
And property and rights acquired through the management, use and disposal of funds raised.
4. If the counterparty of the financial plan fails to pay the principal and interest in full and on time, the underlying assets of the financial plan cannot be ma
Timely and full realization, the financial plan manager can choose to delay payment or split payment to investors according to the actual situation.
Within 2 working days after the above situation, the payment plan will be announced on the website of Bank of China Co., Ltd. (www.boc.cn).
5. If the financial plan manager terminates the financial plan in advance, the financial plan manager will work 2 times after receiving the investment incom
Transfer to the investor's agreed account within the day.

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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

7. Purchase and redemption

1. The subscription of the financial plan will not be processed until the maturity date. Investors have no right to make additional investments.
2. Redemption will not be processed until the maturity date of the financial plan. Investors have no right to terminate early.

Eight, risk disclosure and control

This financial plan is a non-guaranteed floating income product that does not guarantee principal and income. Investors may be affected by factors such
In case of a certain degree of loss, investors should fully understand the investment risks and invest carefully.
1. Credit risk: If the counterparty of the financial plan and the issuer of the invested bond have a credit default or credit status
If the quality deteriorates, it may affect the investment income. The actual yield of this product may be lower than the expected rate of return. The income ma
The principal of the financial plan was damaged. The final investment income that investors can obtain is based on the actual payment of the financial plan.
2. Market risk: affected by various market factors, macro-policy factors, etc., fixed-income gold bonds such as bonds invested by financial planning
Market value such as financial products may fall, affecting the benefits of financial planning.
Bank of China may adjust product expectations based on market conditions
Annualized investment yields lead to a reduction in investor expectations.
3. Liquidity risk: The financial plan does not provide a redemption mechanism before the maturity date. The investor did not mention the duration of the fi
Pre-terminating right.
4. Management risk: Due to factors such as skills and management level, the manager of the financial plan may affect the plan of the financial plan.
Gold and investment income, resulting in a loss of the principal and the risk of financial gains at a low level or even zero.
5. Risk of early termination: During the investment period, if the financial plan occurs, the first “product basic information” of this product manual will be
In the case of certain provisions, Bank of China reserves the right to terminate this product in advance. Investors may face unrealistic gains as expected
risks of.
6. Deferred risk: If the corresponding financial assets under this product are delayed or cannot be realized, the product cannot be paid on time.
Benefits or financial management funds, or risks arising from technical factors, such as computer system failures, may result in delays in the payment of prin
Investors will face the risk of extending their financial period.
7. Information transmission risk: In the duration of this product, investors should promptly inquire according to the information disclosure method as state
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Information about this product. If the investor does not check in time, or due to communication failures, system failures and other force majeure factors
The impact of the product is such that investors are unable to understand the product information in a timely manner, and the resulting responsibilities and ris
8. Other risks: Relevant investment risks caused by force majeure factors such as natural disasters, financial market crisis, and war. Financial plan
When the manager buys and sells the subject matter of the investment in the agent's financial plan, the counterparty may be the manager of the financial plan
Financial plan manager will
Trade on the principle of fair market price trading, and keep the transaction records for the relevant departments to inquire.
The manager of this financial plan will carefully and steadily manage and use the wealth management plan property in line with the principle of “keeping c
By setting strict asset access standards, various asset investment ratios, counterparty access conditions, etc., and market price fluctuations
Larger assets adopt a sound investment strategy, track and monitor risks in a timely manner, and reasonably control asset duration and reduce the above risks
Probability, effective control of downside risks, but does not provide a guarantee of guaranteed principal and income for this product.

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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

Nine, information disclosure

1. Content of information disclosure
1.1. The manager of the financial plan will release the actual annualized investment income in accordance with the “4. Investment income” section of th
Announcement of relevant information on the rate of interest.
1.2. In the event of an early termination of the financial plan, the financial plan manager will follow the first “product basic letter” in this product manua
Announcement of relevant information, announcement of relevant information.
2. Investors' confirmation of information disclosure methods
By signing this product specification, the investor confirms that he or she agrees that the financial plan manager can disclose the letter by
interest:
(1) in the Bank of China website (HTTP : //www.boc .cn) Notice the above information;
(2) The business outlets of the financial plan manager will print the reconciliation information on-site for investors to check according to the requirements o
Investors will visit the Bank of China website to view and read the above information in time, and / or go to the financial plan manager's business
outlets to print
Reconciliation information. If the investor does not check in time or due to communication failure, system failure and other force majeure, etc.
Borrowed (including but not limited to missed funds use and reinvestment opportunities due to lack of timely information), all liabilities and risks by investo
To bear.
3. Other matters that need to be known to investors:
1.1. The manager of the wealth management product shall designate the institution with the regulatory body and/or the regulatory body in accordance w
Report investor identity information and relevant information about the share of the product held by the investor and its changes.
1.2. The manager of the wealth management product has the obligation to keep confidential the relevant information submitted to the regulatory body an
In the process of submitting information, effective measures are taken to ensure information security and confidentiality.

Ten, special tips

1. This Product Specification is an integral part of the legal documents related to the financial plan signed by the investor and the Bank of China. Please re
read.
2. The investor signed the "General Agreement on Banking Products Co., Ltd. of China Banking Co., Ltd." and the "Property Package"
Financial product risk disclosure book and customer transaction information application form" and "Bank of China Co., Ltd. personal wealth management pr
After the “Form”, it is deemed that the investor authorizes and agrees to the Bank of China as the manager of the wealth management product, and the invest
Collect funds for investment and perform related operations, and have the right to conduct underlying asset transactions on behalf of investors and other parti
All rights enjoyed by the exchange.
3. If the counterparty of the wealth management product fails to pay in full on time, the investor agrees that the Bank of China has the right to the above pa
Recourse, the expenses incurred during the recourse (including but not limited to legal fees, arbitration fees, attorney fees, etc.) will be recovered

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Priority is deducted from the money returned.
4. This "Product Specification" and "China Bank Co., Ltd. General Agreement on Wealth Management Products", "Financial Products Risk Disclosure" an
Customer Transaction Information Application Form and "Bank of China Co., Ltd. Personal Wealth Management Product Information Confirmation Form",

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BOC Zhizhitong Financial Plan - Liquidity Enhancement Series 2018 A18798 Product Specification

Knowing to jointly regulate the rights and obligations between investors and financial plan managers, this "Product Specification" and "Bank of China shares
If the General Agreement of the Wealth Management Products Co., Ltd. is inconsistent, the Product Manual shall prevail.

(here to the "Financial Products Risk Disclosure Book and Customer Transaction Information Request Form" and "Bank of China Limited"
The person financial management product transaction information confirmation form is blank, no text)

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