Wealth Management Service

 

Personal wealth management service means a service process during which the Bank, by understanding the requirements of customers and based on such requirements, sets financial management objectives and formulates plans for customers, and help them choose financial products to achieve their wealth management objectives.

I. Product Specifications

i. Bo Xin series: principal-protected return-guaranteed wealth management products. Wealth management funds are invested in financial assets or instruments with relatively high credit ratings, including but not limited to interbank borrowings, interbank deposits, interbank loans, bond repurchases and other money market instruments, bond assets with a public rating of above investment grade, and other fixed-income assets in compliance with regulatory requirements.

ii. Bo Ying series: principal-protected structured wealth management products with floating returns. Wealth management funds are invested in derivative products by means of option purchases and swaps, among others; the returns are usually linked to the performance of subject matters.

iii. Bo Sheng series: non-principal-protected wealth management products with floating returns. Wealth management funds are invested in financial assets or instruments with relatively high credit ratings, including but not limited to interbank borrowings, interbank deposits, interbank loans, bond repurchases and other money market instruments, bond assets with a public rating of above investment grade, and other fixed-income assets in compliance with regulatory requirements.

iv. Bo Rui series: T+N open-ended wealth management products, which fall into three categories: principal-protected return-guaranteed ones, principal-protected ones with floating returns, and non-principal-protected ones with floating returns. Wealth management funds are invested in financial assets or instruments with relatively high credit ratings, including but not limited to interbank borrowings, interbank deposits, interbank loans, bond repurchases and other money market instruments, bond assets with a public rating of above investment grade, and other fixed-income assets in compliance with regulatory requirements.

v. Bo Xiang series: T+0 open-ended wealth management products, which fall into three categories: principal-protected return-guaranteed ones, principal-protected ones with floating returns, and non-principal-protected ones with floating returns. Wealth management funds are invested in financial assets or instruments with relatively high credit ratings, including but not limited to interbank borrowings, interbank deposits, interbank loans, bond repurchases and other money market instruments, bond assets with a public rating of above investment grade, and other fixed-income assets in compliance with regulatory requirements.

vi. Other series: the Bank will endeavor to provide you more diversified wealth management products based on market conditions.

II. Product Features

i. Bo Xin series: feature low risk levels, as the Bank undertakes to guarantee the principal and returns; suitable for individual customers with or without investment experience.

ii. Bo Ying series: feature relatively low risk levels, vastly flexible investment directions (subject matters include various types of financial instruments, physical products or related indexes), diversified asset allocation structures, relatively high volatility in returns, and wide investment term options; suitable for investors with investment experience.

iii. Bo Sheng series: feature medium risk levels, and a variety of investment term options; suitable for individual customers with certain risk awareness and investment experience.

iv Bo Rui and Bo Xiang series: feature flexible investment terms (they can be subscribed and redeemed during the open season, and held for as short as 1 day; customers can allocate their funds freely and manage wealth with great ease); swift fund transfer to account (after customers choose to redeem during the open season, funds can be transferred to their wealth management accounts in real time, which ensures strong liquidity); and high rate of returns (the expected rate of returns is several times higher than that of demand deposits; customers can enjoy wealth management returns without paying any redemption fee).

III. Awards Granted to Relevant Products

i. The "Most Reliable Bank Wealth Management Brand among Internet Users in 2010" in the "2010 Sohu Financial Planning Online Award Celebration";

ii. The "Outstanding Bank Wealth Management Team Award" at the 2010 Financial Planning Forum;

iii. The "Outstanding Bank Wealth Management Product" Award – Wisemoney Financial Rankings for 2010 held by theWisemoneymagazine;

iv. “Bo Xin” and “Bo Sheng” wealth management products honored as the “Excellent Bank Wealth Management Product” in the“2012 Sixth Wisemoney Financial Wealth Management Ranking”;

v. "Personal Wealth Management Products and Fund Underwriting Marketing Cases" won the "2012 China Finance Innovation Awards – Top Ten Financial Product Marketing Award", jointly sponsored byThe Chinese Bankerperiodical office, and the financial product center of the Institute of Finance and Banking under CASS, and jointly issued by CCTV, BTV, finance.ifeng.com, China Securities Journal, xinhuanet.com and sohu.com;

vi. At the Jin Pixiu Award Ceremony releasing the 2012 third ranking list of Top 10 Golden Wealth Management Brand hosted by theFinancial Money, the “Bohai Infinite” brand of the Bank was selected as the “Golden Brand with Great Influence of the Year”; and

vii. In 2013, the Best Wealth Management Product Brand Award in the “Navigating China: List of Excellent Financial Enterprises” initiated by JRJ.com.

IV. Application Procedures

Please refer to the following procedures for applying for wealth management services at our outlets:

i.   New customers shall open a debit card or passbook with CBHB, and activate online banking functions before purchasing wealth management products online.

ii.   New customers shall enter into a personal wealth management agreement via the wealth management system, and complete theInvestment Risk Appetite Evaluation Form for Individual Customers of China Bohai Bank.

Existing customers shall verify whether the risk appetite evaluation result is valid.

iii.   Customers are requested to read wealth management product descriptions, risk disclosure statement, theTerms of the Wealth Management Product Agreement of China Bohai Bank, and theNotice on Customer Rights and Interests for Wealth Management Products of China Bohai Bank, and other related sales documents, choose the appropriate wealth management products, and sign relevant sales documents. (Should the risk rating of the product you've chosen not match your risk tolerance evaluation result, you will not be allowed to purchase this type of products.)

iv.   Customers may purchase our wealth management products over the counter, print the purchase result, and sign theAgreement on Wealth Management Products of China Bohai Bank, or purchase them through the online banking channel of the Bank. Upon completion of payment suspension, and closure of the fundraising period for specific products, the Bank will automatically deduct the funds accordingly.

V. Risk Alerts

Wealth management products are different from ordinary bank deposits. Investors need to bear certain risks in exchange for the possibility of obtaining higher returns.

Given a variety of risk factors in the management and application of wealth management funds, and in accordance with relevant regulatory requirements, you are requested to read carefully the important content below before choosing or subscribing for this wealth management product:

Due to the existence of various risk factors (including but not limited to credit risk, market risk, liquidity risk, management risk and legal risk), risk aversion, profit making and other trading objectives anticipated by investors may not be necessarily realized. However, investors shall bear the consequences arising from the above factors, for which the Bank does not provide any guarantee or take any responsibility.

Investors may suffer material losses in their principal due to market fluctuations. Therefore, investors shall be fully aware of the investment risks related to various wealth management plans, and make investment decisions prudently.

For detailed risk alerts on this product, please see the wealth management product description of the Bank.

For more details, please contact us via our service consulting hotline 4008888811/95541, or consult with our branch or sub-branch nearest to you.