Introduction    Term Structures    Product Varieties    Features    Service Channels   
Investment Example    Tips

【Introduction】

The “Special Wealth Management” Series of RMB wealth management Products is a wealth management service that adopts the quality credit assets of the Industrial Bank as the underlying assets and involves the linking of the wealth management plan to the trust plan. The Industrial Bank has launched “Special Wealth Management” Products on numerous occasions. Upon maturing, these products are able to bring in yields significantly higher than the interest earned off deposits during the same period of time, and are unmatched by any other products in their class. Products are sold throughout the year over counters in the Bank, with new products being released on a continual basis for investors to choose from.

【Term Structures】

Depending on the market situation, “Special Wealth Management” Products are released at different times every month. The term structure also varies from three months to one month.

【Product Varieties】

Non-principal-guaranteed wealth management products with floating returns

【Features】

Investment in quality credit assets with controllable credit risks; yields are significantly higher than the interest earned off deposits in the same period; if adjustment of the loan benchmark interest rate results in the change of the loan interest rate, the rate of return will also be adjusted, and the interest risks are minimal when interest rates are increasing; continual release of products with numerous choices available.

【Service Channels】

Clients can get information about the issuing of wealth management products from IB outlets or from their personal customer manager. Clients that wish to purchase a wealth management product are required to open a RMB clearing account in the form of an IB Card or bankbook at an IB outlet and then enter into a wealth management agreement with the Bank.

【Investment Example】

Investment currency: RMB;

Investment amount: 50,000;

Investment term: 12 months

If the expected rate of return of 3.8% is achieved upon the maturing of the financing investment term, the investor will receive principal plus the yield: 50,000× (1+3.8%) = 51,900.

【Tips】

The “Special Wealth Management” Series of Products involve risks. The principal invested could incur losses due to factors such as market fluctuations and credit risks involving the debtor. Investors should be fully aware of the risks involved before making a decision.

The product introduction and example given above are for reference only. Said information is subject to change according to market conditions. Please refer to the financing agreement for details.