(1) When signing Ruyibao products, customers need to sign Ruyibao service agreement and select corresponding fund products.

(2) The newly opened or opened direct selling bank electronic account shall be used as the signing account for the signing transaction initiated through the banking channel.

(3) When customers choose Ruyibao products after signing a new contract or re-signing the selected Ruyibao products, they should first enter the risk assessment page, consult the customer's instructions online and make risk assessment answers. The system will automatically display the customer's risk level, prompting customers whether their risk tolerance exceeds the product's risk level. If the risk levels match, the customer selects the "Continue" button; if the risk levels do not match, the customer is prompted to answer the question again. For the signing transaction initiated by a third-party cooperative merchant, it is up to the third-party cooperative merchant to decide whether to conduct risk assessment. (Note: At present, Ruyibao, Dinghuobao, Fund Link and Bank Wealth Management all adopt the same set of risk assessment questions, and the rating results are mutually recognized. In addition, in personal online banking, mobile banking, counters and other non-direct channels, if you have done this topic, the customer's wind evaluation results are equally effective for direct sales of Ruyibao, Dinghuobao, Fund Link and bank financing. )

(4) After the customer risk assessment passes, enter the transaction password and sign the selected product. The third-party merchant channel is responsible for verifying the customer's real name of the contracted transaction initiated through the third-party merchant channel.

(5) When a customer initiates a contract transaction, the bank receives the instructions from the customer to open a fund account and a fund trading account with the fund company, and transmits the necessary information such as the customer's name, electronic account number, certificate number and mobile phone number, and the fund company opens a trading account for the customer and feeds back the results to the bank. We will bind the customer's electronic account, fund company trading account number, third-party merchant channel account number and other information, and record it in our direct bank's "Ruyibao" product system.