Financial income SMS collection information template

89-day financial management (annualized rate of return of 4.8%, low risk):

I. Scope of product investment

The investment scope of this wealth management product is: ① debt investment and trust wealth management investment, with the proportion of such investments ranging from 0% to 70%; (2) Bond investment, primary market subscription investment (including but not limited to initial public offering, issuance of new shares, convertible bonds, separate transactions of convertible bonds, etc.). ) and money market instruments investment (including but not limited to cash, bank deposits, cash repurchase within 7 days, government bonds, financial bonds, bank acceptance bills, large negotiable certificates of deposit, central bank bills, money market funds, bond reverse repurchase, etc.). ), the proportion of such investment ranges from 30% to 65433.

Second, the basic elements of the product

product name

Zhongxin wealth management express plan a no.249

Product category

Non-guaranteed floating income type and closed type

Risk classification of CITIC wealth management products

PR2 (Steady and Yellow), suitable for steady, balanced, enterprising and radical customers. This risk classification is evaluated by CITIC Bank for reference only, and CITIC Bank does not guarantee the accuracy of the above risk classification results in any form.

Currency and subscription starting point

The investment and income currency of this product is RMB, and the initial subscription amount is not less than RMB 50,000, which is an integer multiple of RMB 654.38+RMB 00,000.

Single subscription rule

CITIC Bank has the right to refuse if the single subscription amount of investors exceeds 6,543.8 billion yuan or exceeds the upper limit of this financial plan. For the subscription application that CITIC Bank decides to reject, the subscription is deemed unsuccessful.

Financial management code

A 130A0055

(The subscription amount is above RMB 50,000 (inclusive))

Feeding period

February 16, 20 13 to February 2 1, 20 13 (the subscription funds bear interest on demand deposits during the collection period and are not included in the subscription principal. The bill cannot be withdrawn on the last day of the fundraising period. )

trading hour

1. The trading time of this product is 8: 00- 17: 30 (CITIC Bank has the right to change the trading time without further notice or announcement); During the raising period, CITIC Bank accepts the subscription application of investors during the trading hours.

2. CITIC Bank opened the subscription pre-acceptance function during the sale period, that is, during non-trading hours, CITIC Bank can accept the application for pre-acceptance of financial subscription submitted by investors through sales channels; During the raising period, the bank will suspend the pre-acceptance application at the end of the day, and stop the pre-acceptance application after the trading hours on the last day of the raising period.

Deduction date

February 22, 20 13 (The investor and CITIC Bank hereby agree that if the single subscription amount is above RMB 654.38 billion (inclusive), CITIC Bank does not need to make a final confirmation with the investor by telephone. )

Revenue start date

2065438+February 22, 2003 (if CITIC Bank adjusts the offering period, the value date will be adjusted to the next working day after the end of the offering period).

Due date

May 22, 20 13 (subject to the withdrawal date and early termination clause, the withdrawal shall end on the day before the expiration date of this product).

Nominal term

89 days (the actual product term is subject to the early termination clause)

Liquidation period

The liquidation period is from the due date (or actual due date) to the date when the wealth management funds are returned to the investor's account, during which no interest is paid.

Return of financial principal and income

1. During the existence of this wealth management product, redemption is not open; According to the actual situation, the financial principal and income shall be paid in one lump sum within 2 working days after the maturity date, and the date of receipt shall be before 2065438+May 24, 2003 (including the next working day in case of China holidays).

2. If the raising period changes (the raising period ends or is extended ahead of schedule) or the product value date (the income value date) changes, or the liquidation period falls on a legal holiday in China (including weekends), the product interest payment date, maturity date and account arrival date can be adjusted accordingly as appropriate. If there is any adjustment, CITIC Bank will make a separate announcement on the website.

Basic information of trustee

CITIC Trust Co., Ltd., registered at Floor 13, Jingcheng Building, No.6 Xinyuan South Road, Chaoyang District, Beijing, zip code 100004, legal representative: Pu Jian.

Planned financing amount

RMB 7,654,380,500.00 Yuan, CITIC Bank has the right to adjust the product scale according to actual needs, and the final product scale is subject to the actual amount of funds raised. (If the planned fundraising amount is not reached within the fundraising period, CITIC Bank has the right to terminate the fundraising plan ahead of schedule and return the investment principal to the investor's wealth management fund account within 2 working days after the announcement of termination of fundraising, and CITIC Bank reserves the right to extend the fundraising period of this product; If the planned fundraising amount is reached in advance during the fundraising period, CITIC Bank has the right to terminate the fundraising and set up products and interest in advance. At that time, CITIC Bank will announce to investors through its website (/), outlets and other channels. )

Purchase channel

Investors can purchase this product through channels such as designated outlets of CITIC Bank.

Income calculator

CITIC Bank and CITIC Trust

Pledge clause

No, no promises.

pay taxes

The tax payable on wealth management income shall be paid by the investors themselves, and CITIC Bank and CITIC Trust shall not undertake the obligation of withholding and remitting.

expense

1, there is no subscription fee for this product.

2. The fixed management fee of this product is 0. 19%/ year, of which: (1) the sales service fee is 0.06%/ year; (2) The custody fee is 0.05%/ year; (3) Trust return is 0.08%/ year.

3. After deducting relevant taxes and fixed management fees from the annualized trust interest rate of the trust plan invested in this product, the part that exceeds the highest expected annualized rate of return of this wealth management product is the floating management fee of the product manager.

4. The above expenses shall be calculated and paid at the above rate according to the total amount of funds raised by the product.

Information disclosure mode

1. This wealth management product will repay the principal and interest in one lump sum upon maturity, and pay the income according to the actual situation within 2 working days after maturity. CITIC Bank will publish relevant information announcements on its website (/) and outlets within 2 working days after the maturity date.

2. If CITIC Bank and the trustee decide to terminate this wealth management product in part or in whole in advance, they will publish relevant information announcements on CITIC Bank's website, outlets and other channels within 2 working days after the termination date.

3. If the liquidation of this wealth management product needs to be postponed, the relevant information announcement will be published on the website and outlets of CITIC Bank within 1 working days after the product expires.

4. During the existence of this financial plan, CITIC Bank has the right to supplement, explain and modify the terms of the prospectus in the form of announcement through the information platforms and channels such as CITIC Bank website, SMS and telephone. If the customer does not accept it, he can redeem the wealth management product before the supplement or modification takes effect according to the relevant agreement. If an investor fails to apply to CITIC Bank for redemption before the change takes effect, it is deemed that he has agreed to accept the changed terms, and CITIC Bank has the right to operate according to the changed agreed contents. The website of CITIC Bank is the official information release channel of CITIC Bank, and other channels are auxiliary channels. Investors should regularly obtain relevant information of this financial plan through various information platforms and channels, including the website of China CITIC Bank.

Risk classification of CITIC wealth management products and suitable types of investors

Product risk classification

The risk level is suitable for investors.

green

PR 1 (cautious type) cautious type and above

yellow

PR2 level (robust) robust and above

orange

PR3 level (balanced type) balanced type and above

red

PR4 (Aggressive) Aggressive and above

black

PR5 (free radical type) free radical type

376 days of financial management (the annualized rate of return of more than 50,000 yuan is 5.2%; The annualized rate of return of over 800,000 yuan is 5.4%, which is low risk):

I. Scope of product investment:

1. The funds raised by this product are mainly invested in: cash, money market instruments, credit assets, trust loans, trust income rights, entrusted creditor's rights, RMB interest rate swap, pledged reverse repurchase, government bonds, policy financial bonds, central bank bills, corporate bonds/corporate bonds/medium-term notes/non-publicly issued directional debt financing instruments/subordinated debts, which are not less than A, and are all assets of this product.

Asset type investment ratio

Cash, money market instruments, RMB interest rate swap and pledged reverse repurchase 10- 100%

Treasury bonds, policy financial bonds, central bank bills, corporate bonds/corporate bonds/medium-term bills/non-publicly issued directional debt financing instruments/subordinated debts, short-term financing bills/ultra-short-term financing bills with no less than AA 10- 100%.

0-90% of credit assets and trust loans

Trust income right and entrusted creditor's right 0-90%

From the investment practice, the above investment ratio can fluctuate within the range of [- 10%,+10%]; If it exceeds the floating range, it may have a significant impact on customers' expected income. The Bank will disclose information on the website of CITIC Bank and actively take measures to adjust the investment ratio so as to return it to the agreed range.

This product can be invested in the above-mentioned investment varieties by participating in or subscribing to the trust plan, trust plan income right and brokerage asset management plan, and all or part of the investment targets invested in this product can be transferred by the nominal asset holder at a fair price. If this product invests in some assets in proportion when making the above investment, the actual investment income will be realized according to the specific investment proportion of the underlying assets.

When the wealth management product expires, the principal and income returned to investors come from the distributable cash under the basic assets, and ultimately from the principal and interest paid by the issuer or debtor of the basic assets, or the income realized from the disposal of the basic assets, or the funds invested in the basic assets after subsequent subscription, or the income realized from this product through other means.

Second, the basic elements of the product

Product Name CITIC Wealth Management "Win-Win" Series 13 13 RMB wealth management products

The product types are non-guaranteed floating income type and closed type.

The risk classification of CITIC wealth management products is PR2 (stable, yellow), which is suitable for stable, balanced, enterprising and radical customers. This risk classification is evaluated by CITIC Bank for reference only, and CITIC Bank does not guarantee the accuracy of the above risk classification results in any form.

The nominal interest period is 376 days (the actual product term is subject to the early termination clause).

Financial code B 130A0025 (subscription amount is 50,000 yuan (inclusive) to 800,000 yuan (exclusive))

B 130A0026

(The subscription amount is above RMB 800,000 (inclusive))

The raising period is from February 6, 2065438 to February 2, 2065438, and from February 20, 2065438 to February 3, 2065438. (Banks have the right to end the offering period ahead of time, set the product and interest in advance or extend the offering period, and cannot withdraw cash on the last day of the offering period. )

The trading time is 1, and the trading time of this product is 8: 00- 17: 30 (CITIC Bank has the right to change the trading time without further notice or announcement); During the raising period, CITIC Bank accepts the subscription application of investors during the trading hours. 2. CITIC Bank opened the subscription pre-acceptance function during the sale period, that is, during non-trading hours, CITIC Bank can accept the application for pre-acceptance of financial subscription submitted by investors through sales channels; During the raising period, the bank will suspend the pre-acceptance application at the end of the day, and stop the pre-acceptance application after the trading hours on the last day of the raising period.

The planned fundraising amount is RMB 6,543.808 billion (if the planned fundraising amount is not reached within the fundraising period, CITIC Bank has the right to terminate the fundraising plan in advance and return the investor's principal, and CITIC Bank reserves the right to extend the fundraising period of this product; If the planned fundraising amount is reached in advance during the fundraising period, CITIC Bank has the right to end the fundraising in advance, set up products in advance and accrue income. If the raising period exceeds the planned raising amount, the actual raising amount shall prevail. )

Currency and Subscription Starting Point The currency of investment and income of this product is RMB, and the initial subscription amount is not less than RMB 50,000, which is an integer multiple of RMB 654.38+RMB 00,000. (The investor and CITIC Bank hereby agree that if the single subscription amount exceeds RMB 654.38 billion (inclusive), CITIC Bank does not need to make final confirmation with the investor by telephone or other means. ).

CITIC Bank has the right to refuse if the single subscription amount of investors exceeds 654.38 billion yuan or exceeds the upper limit of the scale of this wealth management product. For the subscription application that CITIC Bank decides to reject, the subscription is deemed unsuccessful.

Commencement date: 2065438+February 22, 2003 (if the Bank adjusts the offering period, the value date will be adjusted to the next working day after the end of the offering period).

Maturity date: 2065438+March 5, 2004 (if it is postponed to the next working day in case of legal holidays in China, no extra income will be calculated during the postponed period).

The due date of the liquidation period (or the actual termination date of the wealth management products) to the date when the wealth management funds are returned to the investor's account is the liquidation period, during which no interest is paid.

If the financial management expires on the account date, and the product normally expires, the principal and income shall be paid in one lump sum according to the actual situation within 1 working day after the product expires. The expected account arrival date is before 20 14 (inclusive), and it will be postponed to the next working day in case of China holidays (including weekends).

China CITIC Bank, product manager and income calculator.

Purchase Channel Investors can purchase this product through channels such as designated outlets of CITIC Bank.

There is no pledge clause, and it cannot be pledged.

The tax payable for wealth management income under the tax clause shall be paid by the investors themselves, and CITIC Bank shall not undertake the obligation of withholding and remitting.

The cost is 1. There is no subscription fee for this product. 2. The sales service fee of this product is 0.50%/ year, and the custody fee is 0.05%/ year, which shall be accrued on a daily basis. 3. After deducting relevant taxes and fees, the income of this product investment tool exceeding the highest calculated annualized rate of return of this wealth management product is the floating management fee of the product manager. 4. The above expenses shall be calculated and paid at the above rate according to the total amount of funds raised by the product.

Custodian China CITIC Bank

Information disclosure 1. CITIC Bank will announce the expiration information on the website (/) and outlets of CITIC Bank within 2 working days after the expiration of this product. 2. If CITIC Bank decides to terminate this product in advance, it will publish relevant information announcements on CITIC Bank's website, outlets and other channels within 2 working days after the termination date. 3. If the liquidation of this product needs to be postponed, the relevant information announcement will be published on the website and outlets of CITIC Bank within 1 working days after the expiration date. 4. During the existence of this wealth management product, CITIC Bank has the right to supplement, explain and modify the terms of the instruction manual by making an announcement through the information platforms and channels such as CITIC Bank website, SMS and telephone two days in advance. If investors don't accept it, they can redeem the wealth management products before the supplement or modification takes effect in accordance with relevant agreements. If an investor fails to apply to CITIC Bank for redemption before the change takes effect, it is deemed that he has agreed to accept the changed terms, and CITIC Bank has the right to operate according to the changed agreed contents. The website of CITIC Bank is the official information release channel of CITIC Bank, and other channels are auxiliary channels. Investors should regularly obtain relevant information of this wealth management product through various information platforms and channels, including the website of CITIC Bank.

Risk classification of CITIC wealth management products

Product risk classification The degree of risk is suitable for investors.

Green PR 1 (Caution) Caution and above

Yellow PR2 (Robust) Robust and above

Orange PR3 (balanced type) balanced type and above

Red PR4 (enterprising) enterprising and above

Black PR5 (free radical type) free radical type