【What is it?】

Daily WLB: an RMB wealth management product designed to meet the demands from the market segment of prudent clients. It is the first year-round wealth management product with low risk in the industry. In addition to highly secure principal, Daily WLB also brings high liquidity and high profitability to clients. Major investment targets of the product are highly liquid T-bond, central bank bills, financial bond, short term financing bills in the inter-bank bond market; deposits by Chinese or overseas commercial banks other than IB; and corporate debts or bills credited by a national commercial bank that meet IB's requirements on credit approval.

“Daily WLB", is one of the Industrial Bank's RMB personal financing brands. The product is available throughout the year, being launched on the 8th, 18th and 28th of each month. This family of products is on sale non-stop, which is its most prominent feature, and investors are able to choose financial products each day. Thus, it is significantly different from traditional financing products which are limited in both terms and quotas.

【Term Structure】

Based on market conditions, “Daily WLB" wealth management series with different term structures are launched at different times. The terms mainly include one month, two months, three months, four months, five months, six months and twelve months.

【Why Invest in “Daily WLB”?】

“Daily WLB” is noted for its safety, high liquidity and bigger yields when compared with savings of the same period. It is the perfect choice for financially stable clients that are seeking relatively stable earnings.

【Product Features】

1. Aiming at low-risk financial assets, “Daily WLB" achieves stable investment returns by carrying out asset operation on behalf of clients though the use of professional investment and financing techniques.

2. Since its initial launch in September 2006, “Daily WLB” has been met with an extraordinary response from the RMB wealth management market nationwide. It has established itself as a safe and reliable financing product that offers timely payment and leading yield rate in the market.

【Main Investment Direction】

“Daily WLB” mainly invest in highly liquid T-bond, central bank bills, financial bond, short term financing bills in the inter-bank bond market; deposits by Chinese or overseas commercial banks other than IB; and corporate debts or bills credited by a national commercial bank that meet IB's requirements on credit approval.

【Operation Procedure】

1. Personal clients that would like the Industrial Bank to carry out wealth management business on their behalf are required to open a RMB settlement account in the form of an IB Card or bankbook.

2. Clients can access information about the issuing of wealth management products from IB's branches or from their personal customer manager.

3. Clients that wish to buy wealth management products are required to go through the relevant formalities at a personal banking counter in an IB branch and sign an Industrial Bank RMB Personal Wealth Management Agreement. Once signed, the wealth management contract comes into effect immediately.

4. On the value date of wealth management, The Bank will transfer the financing funds from the client's settlement account to a special financing account for fund operation. During the operation process, the Bank, in accordance with the Agreement, releases information about the operation of the wealth management product through its website and over counters in its operating branches.

5. When the term of wealth management operation has expired, the Bank transfers both the financing principal and the investment gains (from which management fees and other such fees have been deducted) into the RMB settlement account designated by the client in the Agreement.

Investment Case Example:

Currency of Investment: RMB

Amount Invested: 50,000

Term of Investment: Six Months，the expected Rate of Return on Investment is 5% of the annual interest rate.

Upon the expiration of investment term, the investor receives principal + profit: 50,000 × (1+5%/2)= 51,250.

Brief Analysis: the yield rate of the product is much higher than the savings rate of the same period, and is also one of the best among similar products.

【Risk Disclosure】

“Daily WLB” products are categorized as low-risk financing products. Yield rates vary with the terms and investment directions of different products. Investors should be well aware of investment risks involved and be willing to take responsibility for any risks and legal consequences that may arise from the transaction.

The product description and the example given above may vary and are subject to changes in market quotation. The product price given herein is only for reference. Product patterns can be designed based on the client's needs. The actual pattern shall depend on the Agreement and the description of the wealth management product.