Time: 20 15-04- 15

Dear customer:

In order to provide you with better service, our bank is scheduled to upgrade the system from 2065438 to the end of April 2005. During the system upgrade, the Bank will suspend the acceptance of related business by time and region.

The acceptance of suspended business in Jiangsu includes:

From 0:00 on April 2 1 day to 24:00 on April 26, the counter channels in Jiangsu Province suspended the deposit box account opening, rent withdrawal, deposit and refund of deposit box rent.

From 22:30 on April 23rd to 24:00 on April 26th, the bank card acceptance business of Jiangsu Jiayitong channel was suspended.

On April 24, the batch card opening business in Jiangsu was suspended, and only customer applications were accepted.

From 0: 00 on April 24 to 24: 00 on April 26, the online payment service of merchant bank cards in Jiangsu was suspended.

From 0: 00 on April 24 to 24: 00 on April 26, corporate customers in Jiangsu were suspended from handling bill deposits through self-service bill machines.

From 4: 00 on April 24 to 6: 00 on April 27, all channels in Jiangsu suspended all Jinbao business.

From April 24th 1 1:00 to April 26th at 24:00, the wealth management business of all channels in Jiangsu was suspended. During this period, the financial products that customers have signed (such as Li Tiantian E-Day Edition and Li Tiantian E-Month Edition, etc.) will not be automatically deducted, but the fees will be automatically deducted as usual after the system upgrade is completed.

All channel fund businesses in Jiangsu were suspended from April 24th 15:00 to April 26th at 24:00.

From April 24th 16:00 to April 26th at 24:00, individual customers in Jiangsu area were suspended from submitting individual cross-border remittance applications through online banking channels.

From April 24th 16:00 to April 26th at 24:00, Jiangsu was suspended from applying for opening/amending import letters of credit, opening/amending foreign-related guarantees and notifying export letters of credit through online banking channels.

From April 24th 16:30 to April 26th at 24:00, all channels of national debt business in Jiangsu were suspended.

From April 24th 17:00 to April 26th at 24:00, the insurance business of all channels in Jiangsu was suspended.

From April 24th 17:00 to April 25th at 4:00, the POS channel of Bank of Communications in Jiangsu area suspended accepting domestic and foreign bank cards.

From April 24th 17:00 to April 26th at 24:00, Jiangsu Bank of Communications was suspended from accepting reimbursement through POS, integral POS and airport VIP channel POS.

From April 24th 17:00 to April 26th at 24:00, the personal electronic channel foreign exchange settlement and sale business in Jiangsu was suspended.

From June 24th 17:00 to April 26th, 24:00, the self-service repayment service of credit cards signed by debit cards in Jiangsu was suspended.

From April 24 to April 25, the debit card deduction time of the credit card automatic transfer repayment service signed by Jiangsu debit card was delayed until April 26.

From April 24 to April 25, the debit card entry time of the credit card reservation transfer service signed by Jiangsu debit card was delayed to April 26.

From June 24th 17:00 to April 27th, 6:00, all channels of foreign exchange treasure business in Jiangsu were suspended.

From April 24th 17:00 to April 26th at 24:00, cash self-service equipment (including ATM, CRS and CDM) and non-cash self-service equipment (including ITM, multimedia self-service and self-service card issuing machine) were suspended from accepting various businesses in Jiangsu.

From June 24th 17:00 to April 26th at 24:00, all self-service devices and POS terminal services of Jiangsu customers' debit cards at home and abroad were suspended.

The online payment service of personal debit cards in Jiangsu was suspended from April 24th 17:00 to April 26th at 24:00.

From April 24th 17:00 to April 26th, at 24:00, personal online banking stopped accepting customers' business in Jiangsu.

From April 24th 17:00 to April 26th, 24:00, mobile banking stopped accepting customer service in Jiangsu.

From June 24th 17:00 to April 26th at 24:00, corporate online banking suspended the customer business in Jiangsu.

From April 24, 95559 17:00 to April 26, 24:00, telephone banking suspended its customer service in Jiangsu, and only provided emergency loss reporting service for individual customers in Jiangsu.

From April 24th 17:00 to April 27th, 8:00, the option treasure business of all channels in Jiangsu was suspended.

From 20:00 on April 24 to 2:00 on April 25, the gold withdrawal and deposit transactions of individual customers in Jiangsu Gold Night were suspended.

From 20:00 on April 24 to 24:00 on April 26, Jiangsu customers were suspended from signing, transferring and inquiring the centralized bank transfer business of the whole country through various channels.

From 20:00 on April 24th to 24:00 on April 26th, customers in Jiangsu were suspended from signing contracts, transferring ownership and inquiring through various channels.

The counter business in Jiangsu was suspended from April 25th to April 26th.

The suspended businesses of the whole bank include:

From April 24th 16:00 to April 26th at 24:00, the "Express Huitong" business between domestic branches and overseas branches (Hong Kong Branch, Tokyo Branch, Seoul Branch, Macau Branch, Offshore Center and Taipei Branch) was suspended.

From April 24th 16:00 to April 27th at 9:00, the "Tonghui Street" business between domestic branches and HSBC was suspended.

On April 24th 16:30 to April 27th at 8:30, the third-party depository of all securities channels was suspended for signing contracts at the weekend, 7*24.

Handling of bank securities transfer business every hour.

Savings bonds (electronic) business was suspended from 07: 00 on April 24th to 09: 30 on April 25th.

From June 24th 17:00 to April 26th at 5:00, the signing, transfer and inquiry of credit card self-service repayment were suspended.

From June 24th 17:00 to April 26th, 5:00, the inquiry and modification of credit card customer information in official website will be suspended.

Credit card transfer service will be suspended from April 24th 17:00 to April 26th at 5:00.

From April 24th 19:00 to April 26th at 24:00, the electronic reconciliation system suspended the customer service of the whole bank.

SWIFT suspended its service from 20:00 on April 24th to 24:00 on April 26th.

Net bank-enterprise through train service, including the functions of FileActMT 10 1, MT940, MT 199 and FinMT940.

From 20:00 on April 24th to 24:00 on April 26th, direct HSBC services, including real-time and historical account information inquiry, were suspended.

From 20:00 on April 24th to 24:00 on April 26th, Jiangsu Futures Company's customers in other parts of the country were suspended, and the signing, transfer, inquiry and other businesses of centralized bank transfer business in the country were handled through all channels.

From 20:00 on April 24 to 24:00 on April 26, customers in Jiangsu trading market in other parts of the country were suspended from handling banking business signing, transfer and inquiry through various channels.

00 on April 25th:

00 to 24:

00, suspend our cash management service and stop accepting operations such as adding, modifying or canceling business agreements. If the application for adding, modifying or canceling the cash management service has been submitted, and the effective date is during the business suspension period, it will be postponed to April 26th.

From 2: 00 to 5: 00 on April 25th, corporate online banking suspended the customer services of Shenzhen Branch, Shanghai Branch and Hubei Branch.

From April 24th 17:00 to April 26th 12:00, the payment system of the whole bank was suspended.

From April 24th 17:00 to April 26th, at 24:00, electronic channels (nationwide) suspended the acceptance of account business involving Jiangsu, Suzhou and Wuxi branches.

From 20:00 on April 24 to 24:00 on April 26, the electronic payment of customs taxes and fees through the third-party payment channel of the whole bank was suspended.

From April 24th 17:00 to April 27th, 9:00, the communication services at the counters of Suzhou Bank, Changshu Rural Commercial Bank, Taicang Rural Commercial Bank and Jiangyin Rural Commercial Bank were suspended.

Please forgive the inconvenience caused by this, and thank you for your support to Bank of Communications!

Bank of Communications

20 15 April