1. When handling wealth management products business in Bank of Communications, customers must abide by relevant laws and regulations, carefully read the Bank of Communications Fund Trading Rules, Fund Contract, Prospectus of Funds to be Traded or the product manuals of other wealth management products published by this Exchange, accept all the contents, voluntarily apply for handling wealth management products business in Bank of Communications, and ensure that the information filled in is true and effective. 2. When purchasing wealth management products, the customer must open a trading account in advance, and the transaction entrustment behavior submitted by the correct trading password after opening the account is valid. Due to the loss, theft or disclosure of the transaction password, the transaction entrustment and other procedures can not be carried out normally or the consequences caused by others' fraudulent use shall be borne by the customers themselves. 3. Any wealth management products sold or consigned by Bank of Communications do not indicate any commitment or responsibility for product performance. Whether all kinds of transaction applications accepted by the bank are successful or not shall be subject to the confirmation result of the product registration institution. 4. Customers should pay relevant fees according to regulations when handling the entrustment of wealth management products. During the product transaction, no interest will be paid during the period when the funds are in transit. 5. When the customer handles the self-service entrusted transaction of related wealth management products, any transaction application submitted with the correct password is valid, and the customer can print the paper transaction documents by himself. 6. The default dividend payment method of the Monetary Fund is dividend transfer, and the default dividend payment method of other funds except the Monetary Fund is cash dividend payment. If your dividend distribution method is inconsistent with the default dividend distribution method of the above funds, you must change the dividend distribution method, otherwise the dividend you receive from this fund will be subject to the default dividend distribution method of this fund. 7. If the customer can't trade wealth management products normally due to force majeure or unforeseeable and uncontrollable factors (such as network and communication failures) in the banking system, Bank of Communications promises to remove obstacles and resume trading as soon as possible, but it will not bear any economic or legal responsibilities for possible losses during this period. 8. Bank of Communications may amend the Bank of Communications Fund Trading Rules and other relevant clauses due to special reasons such as system upgrade. The latest trading rules of Bank of Communications shall prevail for customers to handle related business in Bank of Communications. 9. The application for regular subscription, regular redemption, automatic valet subscription and regular redemption of the Fund shall take effect on the next working day of the Fund after being accepted by Bank of Communications. If it is necessary to terminate or modify, it should re-sign the application form for wealth management products business and apply to Bank of Communications; When the debit card, trading account and capital account designated by the applicant on the agreed trading day are in abnormal state such as loss reporting or freezing. , the Bank of Communications system will automatically suspend the above transaction application until the above account status returns to normal; If the agreed trading day is not a fund working day, it will be postponed to the next fund working day, and the actual trading day will be regarded as the current fund subscription/redemption date; If the fund status is stopped trading on the agreed trading day, the above trading application will be confirmed as failure. (The "agreed trading day" as mentioned in this article refers to the agreed subscription date of each fixed subscription, the agreed redemption date of each fixed redemption, the initiation trading day of automatic valet subscription and the initiation trading day of regular redemption in a specific period). Regular fixed subscription 10. Before the agreed subscription date (excluding the agreed subscription date) of each issue, the customer shall ensure that there is sufficient fund balance in the debit card account. If Bank of Communications is unable to deduct money normally due to insufficient available balance in the account, the current transaction application fails, and no additional deduction will be made; If the deduction fails for three consecutive periods, the fixed subscription agreement will be automatically terminated by the customer. 1 1. Regular subscription application can be modified, including agreed amount, agreed subscription date and regular mode. 12. The deduction of regular fixed subscription takes precedence over the automatic deduction of other funds. 13 regular redemption. On the agreed redemption date of each installment, the customer shall ensure that sufficient fund shares are maintained in the account. If the available fund share in the account is insufficient on the agreed redemption date, the fund share will be redeemed in full; If the fund share in the customer's account is zero for three consecutive redemption days, it is deemed that the customer automatically terminates the fixed redemption agreement. 14. The application for term redemption can be modified, including: fund code, charging method, agreed redemption share, agreed redemption date and term method. Automatic valet subscription 15. After the customer applies for automatic subscription on behalf of the customer, when the balance of the designated account exceeds the current balance limit of the agreed card and reaches the lower limit of the automatic transaction amount, the subscription of the designated open-end fund is automatically initiated (subscription amount = account balance-current balance limit of the card), and the day of initiating the transaction is the fund subscription date. 16. The customer can and can only agree on the automatic subscription business of one fund. 17. The automatic valet purchase application can be modified, including: fund code, charging method, current card balance limit, and automatic transaction amount lower limit. 18. When the redemption funds arrive, the automatic valet purchase will be suspended, and the automatic valet purchase will return to normal on the sixth working day since the redemption funds arrive. Reservation redemption 19. If the available share of your fund is less than the reserved share on the appointment date, this appointment will automatically become invalid. Redeem 20 quickly. "Quick redemption" refers to the open-end fund redemption business submitted by customers after signing the contract. Bank of Communications first provides available funds to customers by means of credit loans, and issues the loans to customers' own personal debit card accounts agreed by both parties. Before the loan expires, after the redemption funds confirmed by the fund management company actually arrive, the customer agrees that Bank of Communications directly deducts the redemption funds for the business of paying off the corresponding loan principal and interest in advance. 2 1. The customer must sign the contract with a valid ID card (other ID cards are invalid) and provide a detailed and effective contact address and telephone number. If there is any change in the contact information provided by the customer when signing the contract, it should be modified in our bank in time, and all consequences arising from the failure to modify it in time shall be borne by the customer. 22. Our bank has the right to charge the corresponding fast redemption signing fee according to the customer level. 23. The processing time of "quick redemption" business is from 9: 00 to 15: 00 on the working day of the fund, and it is not allowed to be revoked after the application is submitted. 24. Monetary funds can redeem available funds in real time, and non-monetary funds can redeem available funds in batches at the end of T+ 1 day. 25. If the customer applies for quick redemption, the bank will calculate the available funds as follows: available funds = fund redemption amount ×90%. 26. Under this business, the outstanding loan amount of customers (calculated according to all quick redemption transactions handled by customers) does not exceed 500,000 yuan at any time. 27. The huge redemption method of "quick redemption" business must be "continuous redemption". In case of huge redemption, the loan principal shall be repaid in advance according to the redemption amount confirmed by the registration authority. 28. If the quick redemption of the monetary fund fails to pass the confirmation of the registration authority, the customer shall, after receiving the notice from the bank, submit the "repeated application for quick redemption" transaction to the counter of the designated business outlet of the bank in time to restart the redemption process. The "Quick Redemption and Re-application" transaction cannot be cancelled after submission. 29 "quick redemption" available funds loan period is one month. The interest-bearing days of the loan interest shall be calculated from the loan issuance date, and the loan interest rate of each loan shall be based on the benchmark interest rate of the China People's Bank for a six-month term loan executed on the loan issuance date (in case of repeated application for quick redemption, the first application for quick redemption loan shall prevail). During the loan period, the loan interest rate will not be adjusted. Customers can pay in advance through our counter. 30. The customer guarantees that the loan will be used in compliance with laws, regulations and relevant regulatory provisions and will not be used for trading in stocks, futures or other financial derivatives; The customer guarantees that the loan will be used for trading stocks, futures or other financial derivatives; The customer guarantees that the loan is used for equity investment or lending is in compliance with laws, regulations and relevant regulatory provisions; Other purposes prohibited by laws, regulations or relevant regulatory provisions. Equity investment or loan, and other purposes prohibited by laws, regulations or relevant regulatory provisions. 3 1. If the customer fails to repay the loan principal in full and on time, pay interest or use the loan according to the agreed purpose, the bank has the right to charge interest according to the overdue interest rate (the applicable interest rate of the loan rises by 50%) or misappropriate the default interest rate of the loan (the applicable interest rate of the loan rises by 100%), and charge compound interest for the unpaid interest. At the same time, the customer should bear the relevant expenses paid by the bank to realize the creditor's rights. 32. According to the authorization of the customer, when the loan principal, interest, penalty interest, compound interest or other expenses are due, the bank has the right to deduct the funds in any account opened by the customer in Bank of Communications for repayment. 33. The Bank will be responsible for keeping confidential the customer data and information obtained in the course of handling this business, except for the following circumstances: disclosure is required by applicable laws and regulations and listing rules; The judicial department or government department requires disclosure; Disclosure to external professional consultants of Bank of Communications; The customer agrees or authorizes the bank to disclose. 34. The customer agrees that the bank can use or disclose all information and materials related to the customer, including but not limited to the customer's personal basic information, credit transaction information and other relevant information and materials, and is willing to bear all the consequences arising therefrom: (1) Provide such information and materials to the Credit Information Center of the People's Bank of China and other credit information institutions or credit information databases established with the approval of the People's Bank of China; (2) Use or allow a third party to use such information and materials on a confidential basis for the purposes of business management, risk control and providing further services to customers. Investors' Rights and Interests Dear customers, when you go to Bank of Communications (hereinafter referred to as "Bank of Communications") to handle wealth management products such as funds, you can enjoy the professional investment and wealth management services of Bank of Communications, the financial consultation of account managers with professional wealth management licenses, and convenient and fast trading methods. In addition to the counters of bank outlets, Bank of Communications also provides various self-service channels such as online banking, telephone banking, self-service banking, mobile banking, home e-link, etc., so that you can quickly buy and sell funds and wealth management products that are allowed to be traded by the competent authorities at home, work and other non-bank outlets, and give certain preferential policies to customers who use self-service channels (the specific preferential policies are subject to the announcement of Bank of Communications). You apply for fund and other financial products business in Bank of Communications. In addition to daily business such as product subscription, redemption, conversion and dividend change, Bank of Communications also provides you with special financial services such as regular fixed fund subscription, regular fund redemption, automatic fund subscription on behalf of customers, fund reservation redemption and portfolio investment, as well as special functions such as fund transfer custody and non-transaction transfer, providing you with safe and fast related fund settlement services and redemption (withdrawal) of funds and wealth management products. To provide you with all kinds of product information and historical performance query, related historical entrusted transaction details query and other special needs. When investing in wealth management products such as funds, you should pay attention to the following basic information and tips and invest carefully: 1. Financial products such as funds are effective tools for long-term financial management. Don't treat financial products such as funds as savings, but as financial management. Buying wealth management products such as funds has the risk of principal loss. Don't invest preventive savings in high-risk capital markets, let alone mortgage loans. 2. There are many kinds of wealth management products such as funds, and different products have different risk-return characteristics. The greater the income, the greater the risk. The possible returns and risks of stock funds, hybrid funds, bond funds and money market funds are gradually decreasing. 3. Wealth management products such as funds should be held for a long time and should not be frequently speculated in the short term. 4. Pay attention to risk diversification and don't put all your eggs in one basket. 5. You should analyze your risk tolerance and financial goals, and invest in products that match your risk tolerance. 6. Purchase the products of legal fund management companies or wealth management products management institutions in legal places. The list of regulated institutions and products of open-end funds can be found on the website of China Securities Regulatory Commission or the website of China Securities Association. 7. Funds and various wealth management products are not as cheap as possible, and high prices are proof of good historical performance. 8. Buying new products is not better than buying old products. Buying an old fund that performs well in the bull market may get better investment income. Dear customers, please carefully consider and read the following risk tips when purchasing wealth management products such as funds. Bank of Communications hereby solemnly declares that the risk of customers buying products through our bank has nothing to do with our bank: 1. Policy risk: the risk arising from the changes in national macro policies, such as fiscal policy, monetary policy, industrial policy and regional development policy, which lead to market price fluctuations and affect the income of wealth management products. 2. Economic cycle risk: With the cyclical change of economic operation, the income level of the securities market also changes periodically, and the income level of investment and wealth management products will also change accordingly, resulting in risks. 3. Interest rate risk: The fluctuation of interest rate in the financial market will lead to changes in the price and yield of the securities market. Interest rate directly affects the price and yield of bonds and the financing cost and profit of enterprises. Wealth management products are invested in bonds and stocks, and the income level may be affected by changes in interest rates. 4. Inflation risk: The purpose of investment in wealth management products is to preserve and increase the value of product assets. If there is inflation, the income of wealth management products investing in securities may be offset by inflation, thus affecting the preservation and appreciation of product assets. 5. Operating risks of listed companies: The operating conditions of listed companies are affected by many factors. If the listed companies investing in wealth management products are not well managed, their share prices may fall, or the profits available for distribution may decrease, thus reducing the investment income of wealth management products. Although wealth management products can disperse this unsystematic risk by diversifying investment, they cannot be completely avoided. 6. Management risk: The professional skills, research ability and investment management level of wealth management product managers directly affect their possession and analysis of information and their judgment on the economic situation and the trend of securities prices, thus affecting the investment income level of wealth management products. At the same time, whether the product manager's investment management system, risk management and internal control system are sound, whether it can effectively prevent compliance risks such as moral hazard, and the manager's professional ethics level will also affect the risk-return level of the fund. 7. Liquidity risk: In the extreme case of huge redemption or suspension of redemption (withdrawal) of wealth management products, investors of wealth management products may not be able to redeem (withdraw) in full according to the net value of unit products on that day. If you choose to postpone redemption (withdrawal), you will bear the risk that the net value of unit products will fall on the day of subsequent redemption (withdrawal). 8. Operational risk: During the operation of various business links of wealth management products, the related parties of wealth management products may cause risks such as unauthorized transactions, insider trading, trading errors and fraud due to imperfect internal control or human factors. 9. Market exposure risk: Market exposure risk refers to the actual market value of money market funds, that is, the risk that the net value of funds valued by market method deviates from the transaction price of funds (usually the face value of funds). 10. Other risks: (1) Risks that may be caused by financial market crisis and industry competition pressure; (2) Force majeure factors such as war and natural disasters may seriously affect the operation of the securities market and lead to the loss of fund assets; (3) Risks caused by other accidents.