3/30/2019 BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

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BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

Special Note:
1. Financial management is not a 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, then the financial plan will have zero income and
/ or the possibility of loss of the principal, please fully understand the investment risk and prudent investment.
2. This product is suitable for individual customers and institutional clients with investment experience, such as factors affecting the risk tolerance of investors.
Change, please complete the risk tolerance assessment in a timely manner.
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. solemnly reminds: investors should carefully read the shares of Bank of China before purchasing wealth management products.
Co., Ltd. General Agreement for Wealth Management Products, this Product Manual, Risk Disclosure and Customer Transaction Information Confirmation Form,
"Customer Rights and Interests" to ensure that you fully understand the nature of the investment and the risks involved, detailed understanding and prudence
Evaluate the basic situation of the financial investment direction, risk type and expected income of the wealth management product, and decide on it after careful consideration.
Purchase financial products that match their risk tolerance and asset management needs; the expected annual investment of this wealth management product
The rate of return is not legally binding and does not represent the actual income that investors may receive, nor does it constitute a stake in Bank of China.
Limiting the company’s commitment to any of its wealth management products, the ultimate income that investors can obtain is based on the bank’s financial products.
The payment of the book to the customer shall prevail.
For the agreement on the principal and income of wealth management products, both parties shall use the products of this wealth management product.
The contents of the Manual shall prevail and the parties shall not modify them in any form including the signing of the Supplemental Agreement.
5. After purchasing wealth management products, investors should pay attention to the information disclosure of the wealth management products and obtain relevant information in a timely manner.
The following product ratings and related descriptions are internal information of Bank of China Limited and are for investors' reference only.
Risk level: 2 A product
Low- and medium-risk with a low probability of a loss in principal, but with a certain uncertainty in the expected return
products
Liquidity rating in This product has a short term but cannot be redeemed in advance.
Suitable for customerAccording
category to the risk assessment of Bank of China Co., Ltd., it is rated as stable, balanced, growth and aggressive.
People, institutional customers

First, the product basic information

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3/30/2019 BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification
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; see the “III. Subscription” section of this article for details.
product name BOC Smooth Financial Plan - Zhihui Series 192023
Product Code 【AMZYPWHQ192023】
National Banking Financial【C1010419001343】
Information
System registration code Investors can check products on China Wealth Management Network (www.chinawealth.com.cn) according to the registration code.
information.

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BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

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 Limited
Financial planning sales organization
Bank of China Limited
Financial plan custodian Bank of China Limited
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 money market.
Maximum size of fundraisingRMB [10.0] billion

Financial plan subscription [2019]

period year [3] month [29] day - [2019] year [3] month [31] day
Investment income starting [2019]
date year [4] month [1] day
Financial plan expiration date
[2019] year [6] month [27] day
Financial plan duration [87] days
Product rate Fixed management rate [0]% (annual rate) and other taxes and fees, exceeding the expected annualized investment yield
Floating investment management fee as a financial plan manager. There are no subscription fees and subscription fees for this financial plan.
Expected annualized investment
[3.95]%
yield

Expected annualized investment yield

If and onlymeasurement
if all parties involved in this product - financial plan managers, other transaction related persons
Count Before they fully fulfilled their obligations and responsibilities, and did not have any disputes or any other risks before
Under the conditions, the financial plan manager calculates the expected year of the product according to the currently known information.
Investment return rate. For example, in the first half of [2016] [1], the inter-bank 7-day lending rate is about [2.30]%.
The yield of six-month government bonds and central bank bills is about [2.50]%; corporate credits with high credit ratings,
Corporate bonds, short-term financing bills, medium-term notes, non-publicly oriented debt financing instruments, money market funds
The rate of return varies from case to case. Customers of this product are expected to receive the highest annualized rate of return
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3/30/2019 BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

[3.95]%. The estimated income is not equal to the actual income, and the investment must be cautious.
Early termination Wealth management customers have no prior termination rights. Bank of China has the right to terminate in advance according to the actual situation of this financial plan.
Stop the financial plan. The conditions for triggering 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 factors
Significant changes in financial market conditions and other reasons have led financial plan managers to think of financial planning
If the plan is no longer suitable to continue to help investors achieve their investment objectives, the financial plan manager has the right to announce
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 website of Bank of China Co., Ltd. ( www.boc.cn ), and after the early termination date 5
The financial plan assets will be realized within one working day, and the funds will be allocated according to the investor's share.
Into the investor designated funds 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
allocation after the financial plan expires

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BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

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 financial plan to the date of receipt.

Tax The taxable income of the wealth management income shall be 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 regulatory requirements:
1. Money market instruments: including but not limited to various types of deposits, certificates of deposit, and pledged repo.
2. Fixed income securities: including but not limited to government bonds, financial bonds, subordinated bonds, central bank bills, policy financial bonds, companies
Debt, corporate bonds, super short-term financing bills, short-term financing bills, medium-term notes, non-public issuance of non-financial corporate debt financing instruments, certificates
Voucher company income certificate, asset-backed securities, etc.
3. Non-standardized assets that meet regulatory requirements: including but not limited to trust loans, entrusted claims, acceptance bills, letters of credit,
Receiving money, various types of receiving (receiving) benefits, etc., the above assets change due to regulatory policy changes and financial innovation, with the latest applicable
The regulatory requirements shall prevail.
4. Other financial investment instruments recognized by the regulatory authorities.
(2) The specific investment ratio is as follows:
The ratio of investing in [money market instruments] and [fixed-income securities] is [0-80%] of the total assets size, and investing in
The ratio of non-standardized assets under regulatory regulations is [0-30%] of the combined total asset size, and is invested in [others recognized by the regulatory authorities].
The ratio of financial investment instruments is [0-50%] of the combined total asset size. Project name, remaining period, transaction for non-standardized assets

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Information such as structure will be announced on www.boc.cn within 3 working days after the product investment transaction date.

Third, subscription
1. Subscription period: [2019] year [3] month [29] day - [2019] year [3] month [31] day.
2. During the pending order: [2019] year [3] month [29] day - [2019] year [3] month [31] day
Reception time: daily from 17:05 Beijing time to 9:00 the next day
Investors can make pending orders through online banking, mobile banking and other channels during the pending order acceptance period.
The transaction will be automatically completed within the acceptance time. Investors should ensure that the fund account has sufficient subscription funds when conducting pending orders, and not less than
The starting point amount of the subscription as stipulated in this financial plan.
3. During the subscription period, the investor will have a first-come, first-served basis. After the accumulated amount of funds raised during the subscription period reaches the upper limit, the financial plan man
Accept the subscription and the subscription period ends early.
4. During the subscription period, the subscription application cannot be cancelled after the deadline for the transaction on the subscription application date.
5. 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. The additional subscription amount is 1000 yuan.
Integer multiple.
6. Calculation of financial plan share: financial plan share = subscription amount ÷ financial plan share face value
7. Deduction method: The customer subscription funds will be deducted in real time or frozen first, and then deducted from the starting date of the investment income. If true
The deduction method is based on the current deposit interest rate and is paid within 2 working days after the investment income starts.

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BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

Fourth, investment income
1. Basis of investment income calculation: A/365
2. Investment income: investment income = financial plan share face value × wealth management share × actual annualized investment return rate × financial plan survival day
Count 365.
3. Actual annualized investment return rate:
3.1. If the actual investment operation income of the wealth management plan asset is sufficient to cover the investor's income calculated according to the expected annualized investment return rate, then
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 investor income calculated according to the expected annualized investment return rate,
The actual annualized investment yield is calculated according to the income generated by the actual investment operation of the wealth management plan assets, and is at Bank of China Co., Ltd.
Announcement on the website ( 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 of the financial plan is realized.

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3/30/2019 BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification
The remaining assets after the financial plan expenses (excluding the floating investment management fee) and the wealth management principal. Financial Principal = All financial management plan
Amount × 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 investment yield of wealth management products is suff
Investor income calculated based on the expected annualized investment return rate (for example, 4.7%). If the wealth management product lasts for 365 days, the investor's income =
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 investment yield of wealth management products is suff
The investor's income calculated according to the expected annualized investment return rate (for example, 4.7%), if the wealth management product is terminated early, the actual number of days of financial mana
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 discount of the investment assets will be realized, which will affect the realization of the wealth management income and even the full recovery of th
produce
The reasons for the above possible results mainly include: First, the non-standard assets of the investment are currently limited by the lack of the secondary circulation market, and there is a liquidity wind.
Second, the investment bond varieties are affected by market price fluctuations and there is market risk. Third, the credit status of the invested assets is evil.
Sexual change.
In the event of the above-mentioned most unfavorable investment situation and investment results, investors will face the risk of loss of the principal and income of the wealth management products.
Even the investment income may be zero and the principal may be lost. Assuming that the investment asset is a corporate bond and the holding expires, the bond expires
When the bond issuer goes bankrupt and fails to pay the principal and interest of the bond, the financial management will also have no investment income and the principal will be lost.

V. Financial plan expenses

1. Fixed management fee
There is no fixed management fee for this product.
2. Floating management fee
2.1. The maturity date of the financial plan, if the actual investment operation income of the wealth management plan assets is insufficient to pay the expected annualized investment return rate

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BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

The calculated investor income, the financial plan manager does not charge the floating investment management fee.
2.2. The maturity date of the financial plan, if the actual investment operation income of the wealth management plan assets is sufficient to pay according to the expected annualized investment return rate
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 the financial plan manager.
The management fee and the floating management fee are accrued from the wealth management plan property and paid to the financial plan manager after the maturity date of the financial plan.
3. Other taxes and fees
This financial plan may generate the following taxes and fees during the investment operation process, including but not limited to: value added tax, surcharged tax, income tax,

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Taxes and fees involved in investment operations such as liquidation fees, such taxes and fees (if any) are paid in accordance with the actual amount incurred when actual occurrence occurs.

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

1. One-time payment of wealth management principal and investment income after the maturity of the financial plan.
2. The financial principal and investment income will be credited to the account within 2 working days after the maturity date of the financial plan, and no interest will be charged during the period.
3. The financial 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 made.
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 income funds.
Transfer to the investor's agreed account within the day.

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 change due to the market.
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, the issuer of the invested bonds or the risk of non-standard assets
If the principal's credit default or credit status deteriorates substantially, it may affect the investment income.
The rate of return may be lower than the expected rate of return, the return may be zero, and even the principal of the financial plan is lost. investment
The final investment income that can be obtained by the person is subject to the actual payment of the financial plan.
2. Market risk: affected by various market factors and macro-policy factors, bonds invested by financial planning, etc.
Market value of fixed-income financial products and non-standardized assets may fall, affecting the income of financial planning. Chinese silver
Bank Co., Ltd. may adjust the expected maximum annualized investment yield of products according to market conditions, leading investors to
The revenue is reduced.

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BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

3. Liquidity risk: The financial plan does not provide a redemption mechanism before the maturity date, and the investor survives in the financial plan.

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There is no early termination right within the time limit.

4. Management risk: As the financial plan manager is limited by factors such as skills and management level, it may affect this
The principal and investment income of the financial plan result in the loss of the principal and the financial income at a lower level or even zero.
risk.
5. Risk of early termination: During the investment period, if this financial plan occurs, the first part of this product manual is “Product Basics”.
Bank of China Co., Ltd. reserves the right to terminate this product in advance.
There may be a risk of not achieving the expected benefits as expected.
6. Deferred risk: If the corresponding financial assets under this product are delayed or cannot be realized, etc., the product is not
The ability to pay the proceeds or wealth management principals on time, or the risks arising from technical factors, such as computer system failures, may
Due to the delay in the payment of principal and income, investors will face the risk of extending the financial period.
7. Information transmission risk: During the lifetime of this product, investors should disclose according to the information disclosed in this product manual.
Ways to check the relevant information of this product in time. If the investor does not check in time, or because of communication failure, system failure
And other factors such as force majeure, so that investors can not understand the product information in a timely manner, and the resulting responsibility
And the risk is borne by the investor.
8. Other risks: related investment winds caused by force majeure factors such as natural disasters, financial market crisis, war, etc.
risk. When a financial plan manager buys and sells the subject matter of an investment in an agent's financial plan, the counterparty may manage the financial plan.
people. The financial plan manager will conduct transactions in accordance with the principle of fair market price transactions, and keep transaction records for relevant
Department inquiry.
The manager of this financial plan will carefully and steadily manage and use financial management in line with the principle of “keeping credit and diligence”.
Plan the property. By setting strict asset access standards, various asset investment ratios, and counterparty access conditions
System, and adopt a sound investment strategy for assets with high market price fluctuations, timely monitor and monitor risks, and control them reasonably
The duration of the asset is reduced, the probability of occurrence of the above risks is reduced, and the downside risk is effectively controlled, but the product is not guaranteed.
The promise of principal and income.

Nine, information disclosure

1. Content of information disclosure
1.1. The manager of the financial plan will publish the actual agreement in accordance with the “4. Investment income” section of this product manual.
Announcement of relevant information on annualized investment returns.
1.2. In the event of an early termination of the financial plan, the financial plan administrator will follow the first paragraph of this product manual.
The "product basic information" agreement, the release of relevant information announcement.
2. Investors' confirmation of information disclosure methods
The act of the investor signing this product specification indicates that it confirms and agrees that the financial plan manager can pass the following
Way to disclose information:

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BOC Smooth Financial Plan - Zhihui Series 192023 Product Specification

(1) in the Bank of China Limited website (HTTP : //www.boc. Notice the above information; cn)
(2) The business outlets of the financial plan manager will print the reconciliation information on the spot for the investors to verify according to the requirements of the investors.
Correct.
Investors will visit the Bank of China Limited website to view and read the above information in time, or go to the financial plan
The management office prints the reconciliation information. If the investor did not check in time or because of communication failure or system failure
And other factors such as force majeure (including but not limited to missing funds due to lack of timely information)
Investors and reinvestment opportunities, etc.) All liabilities and risks are borne by the investors themselves.
3. Other matters that need to be known to investors:
(1) The manager of the wealth management product shall, in accordance with the applicable laws and regulations and the requirements of the regulatory body, to the regulatory body and/or the regulatory machine
The designated institution submits investor identity information and relevant information such as the share of the product held by the investor and its changes.
(2) The wealth management product manager has confidentiality of relevant information submitted to the regulatory agency and/or the designated agency of the regulatory body.
Obligation, and in the process of submitting information, take effective measures to ensure information security and confidentiality.

Ten, special tips

1. This "Product Specification" is the component of the legal documents related to the financial plan signed by the investor and Bank of China Co., Ltd.
Please read carefully.
2. The investor signed the "General Agreement on Banking Products Co., Ltd. of China Banking Co., Ltd." and the "China Business Card"
After the Bank of China's wealth management product risk disclosure and customer transaction information confirmation form, it is deemed that the investor authorizes and agrees to the Bank of China as the princi
The manager of the wealth management product, the investor representing the wealth management product will raise funds to invest and perform related operations, and has the right to represent the investment.
The investor exercises all the rights to trade with other parties to the transaction under the underlying asset transaction.
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 parties.
Recourse, the expenses incurred during the recourse (including but not limited to legal fees, arbitration fees, attorney fees, etc.) will be pursued
Priority is deducted from the money returned.
4. This "Product Specification" and "Bank of China Co., Ltd. General Agreement on Wealth Management Products", "Risk Revelation and Customer Transactions"
The Information Confirmation Form and the “Customer Rights Notice” jointly regulate the rights and obligations between investors and financial plan managers.
If the Product Manual is inconsistent with the General Agreement of Bank of China Limited Financial Products, the Product Specification shall prevail.

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