Common use of 客户风险承受能力评级 Clause in Contracts

客户风险承受能力评级. Customer Risk Tolerance Assessment 结构性存款产品的投资风险会因产品的具体特征而有所不同，银行会根据每一款结构性存款产品的具体特征分别对其进行风险评级，并在相关结构性存款产品的销售文件中载明。 Investment risks of structured deposit products may vary depending on the specific characteristics of the Product. The Bank will respectively grade the risk of each structured deposit product (Product Risk Rating or “PRR”) on basis of its specific characteristics, and specify the same in the Ancillary Documents of such product. 为了协助甲方全面了解自身的风险承受能力，帮助甲方选择适合自身风险承受能力的结构性存款产品，请甲方在购买结构性存款产品之前独立完成风险承受能力评估( 公司投资产品客户风险评级评估表)。该评估的有效期为一年，且在每次购买结构性存款产品前甲方可回顾有效的投资评估结果并确认是否更改答案。若在该一年的评估有效期内发生了可能影响甲方风险承受能力的情况 （包括但不限于财务状况、投资经验、投资目的、收益预期、风险偏好、流动性要求等），甲方应主动向银行要求于再次购买结构性存款产品之前重新完成风险承受能力评估。 In order to help Party A to fully understand its own risk tolerance and select the suitable Product, Party A should complete the customer risk tolerance assessment (CRR Form) before purchase of any Product. The result of such assessment shall be valid for one year, and Party A may revisit the valid assessment result and confirm whether to change the answers before each purchase of Product. If, within one-year valid term of the assessment result, Party A is subject to any circumstance that may affect its risk tolerance (including but not limited to any circumstance in connection with its financial condition, investment experience, investment objective, expected returns, risk preference, liquidity requirement, etc.), Party A shall initiatively apply with the Bank for re-do an assessment before further purchase of any Product. 根据客户的不同情况，银行将客户风险评级划分为 1-低风险、2-低至中度风险、3-中度至中度高风险、4- 高风险-、5-非常高风险五个评级。 Depending on customers’ different conditions, the Bank has classified CRR into five levels, being (i) low risk, (ii) low-to-moderate risk, (iii) moderate-to-moderately high risk, (iv) high risk, and (v) very high risk. 与此同时，银行将结构性存款产品划分为 8 类。最低风险等级是 1 级，最高风险等级是 8 级。PRR根据风险等级和投资交易的复杂性进行划分。银行根据风险匹配原则，在客户风险承受能力评级和产品风险评级之间建立如下对应关系，详见下表： Meanwhile, PRR of the Bank’s structured deposit products can be divided into eight categories, while the lowest is 1 class ‘very low risk product’, and the highest is 8 class ‘very high product’. PRR is designed according to product pay-out aggressiveness and complexity of the transaction. In accordance with the principle of risk matching, the corresponding relation between Party A’s risk tolerance level and the risk rating of Products have been established and set out in the below table: 客户风险承受能力评级 CRR (Customer Risk Tolerance Assessment) 描述 Descriptions 适合产品风险评级 PRR (Risk Rating of Appropriate Product) 1-低风险 Low risk 预期对短期投资保本。包括与利率、股权、指数和外汇等标的挂钩的保本结构性投资。 Expect protection on the principal investment and with short-term investment objective. Including principal protected structured investment linked to a common underlying/index such as interest rate, equity and foreign exchange 适用于产品风险评级为低风 险、PRR 为 1 的产品，如短期政府债券、银行存款、保本结构性存款。 Applicable to products of low risk which has PRR of 1 e.g. short- term government bond, bank deposit, and principal protected structured deposit.

客户风险承受能力评级. Customer Risk Tolerance Assessment 结构性存款产品的投资风险会因产品的具体特征而有所不同，银行会根据每一款结构性存款产品的具体特征分别对其进行风险评级，并在相关结构性存款产品的销售文件中载明。 Investment risks of structured deposit products may vary depending on the specific characteristics of the Product. The Bank will respectively grade the risk of each structured deposit product (Product Risk Rating or “PRR”) on basis of its specific characteristics, and specify the same in the Ancillary Documents of such product. 为了协助甲方全面了解自身的风险承受能力，帮助甲方选择适合自身风险承受能力的结构性存款产品，请甲方在购买结构性存款产品之前独立完成风险承受能力评估( 公司投资产品客户风险评级评估表)。该评估的有效期为一年，且在每次购买结构性存款产品前甲方可回顾有效的投资评估结果并确认是否更改答案。若在该一年的评估有效期内发生了可能影响甲方风险承受能力的情况 （包括但不限于财务状况、投资经验、投资目的、收益预期、风险偏好、流动性要求等），甲方应主动向银行要求于再次购买结构性存款产品之前重新完成风险承受能力评估。 In order to help Party A to fully understand its own risk tolerance and select the suitable Product, Party A should complete the customer risk tolerance assessment (CRR Form) before purchase of any Product. The result of such assessment shall be valid for one year, and Party A may revisit the valid assessment result and confirm whether to change the answers before each purchase of Product. If, within one-year valid term of the assessment result, Party A is subject to any circumstance that may affect its risk tolerance (including but not limited to any circumstance in connection with its financial condition, investment experience, investment objective, expected returns, risk preference, liquidity requirement, etc.), Party A shall initiatively apply with the Bank for re-do an assessment before further purchase of any Product. 根据客户的不同情况，银行将客户风险评级划分为 1-低风险、2-低至中度风险、3-中度至中度高风险、4- 高风险-、5-非常高风险五个评级。 Depending on customers’ different conditions, the Bank has classified CRR into five levels, being (i) low risk, (ii) low-to-moderate risk, (iii) moderate-to-moderately high risk, (iv) high risk, and (v) very high risk. 与此同时，银行将结构性存款产品划分为 8 类。最低风险等级是 1 级，最高风险等级是 8 级。PRR根据风险等级和投资交易的复杂性进行划分。银行根据风险匹配原则，在客户风险承受能力评级和产品风险评级之间建立如下对应关系，详见下表： Meanwhile, PRR of the Bank’s structured deposit products can be divided into eight categories, while the lowest is 1 class ‘very low risk product’, and the highest is 8 class ‘very high product’. PRR is designed according to product pay-out aggressiveness and complexity of the transaction. In accordance with the principle of risk matching, the corresponding relation between Party A’s risk tolerance level and the risk rating of Products have been established and set out in the below table: 客户风险承受能力评级 CRR (Customer Risk Tolerance Assessment) 描述 Descriptions 适合产品风险评级 PRR (Risk Rating of Appropriate Product) 1-低风险 Low risk 预期对短期投资保本。包括与利率、股权、指数和外汇等标的挂钩的保本结构性投资预期对短期投资保本。包括与利 率、股权、指数和外汇等标的挂钩的保本结构性投资。 Expect protection on the principal investment and with short-term investment objective. Including principal protected structured investment linked to a common underlying/index such as interest rate, equity and foreign exchange 适用于产品风险评级为低风 险、PRR 适用于产品风险评级为低风险、PRR 为 1 的产品，如短期政府债券、银行存款、保本结构性存款。 Applicable to products of low risk which has PRR of 1 e.g. short- short-term government bond, bank deposit, and principal protected structured deposit.

客户风险承受能力评级. Customer Risk Tolerance Assessment 结构性存款产品的投资风险会因产品的具体特征而有所不同，银行会根据每一款结构性存款产品的具体特征分别对其进行风险评级，并在相关结构性存款产品的销售文件中载明。 Investment risks of structured deposit products may vary depending on the specific characteristics of the Product. The Bank will respectively grade the risk of each structured deposit product (Product Risk Rating or “PRR”) on basis of its specific characteristics, and specify the same in the Ancillary Documents of such product. 为了协助甲方全面了解自身的风险承受能力，帮助甲方选择适合自身风险承受能力的结构性存款产品，请甲方在购买结构性存款产品之前独立完成风险承受能力评估( 公司投资产品客户风险评级评估表)。该评估的有效期为一年，且在每次购买结构性存款产品前甲方可回顾有效的投资评估结果并确认是否更改答案。若在该一年的评估有效期内发生了可能影响甲方风险承受能力的情况 （包括但不限于财务状况、投资经验、投资目的、收益预期、风险偏好、流动性要求等），甲方应主动向银行要求于再次购买结构性存款产品之前重新完成风险承受能力评估。 In order to help Party A to fully understand its own risk tolerance and select the suitable Product, Party A should complete the customer risk tolerance assessment (CRR Form) before purchase of any Product. The result of such assessment shall be valid for one year, and Party A may revisit the valid assessment result and confirm whether to change the answers before each purchase of Product. If, within one-year valid term of the assessment result, Party A is subject to any circumstance that may affect its risk tolerance (including but not limited to any circumstance in connection with its financial condition, investment experience, investment objective, expected returns, risk preference, liquidity requirement, etc.), Party A shall initiatively apply with the Bank for re-do an assessment before further purchase of any Product. 根据客户的不同情况，银行将客户风险评级划分为 1-低风险、2-低至中度风险、3-中度至中度高风险、4- 高风险-、5-非常高风险五个评级。 Depending on customers’ different conditions, the Bank has classified CRR into five levels, being (i) low risk, (ii) low-to-moderate risk, (iii) moderate-to-moderately high risk, (iv) high risk, and (v) very high risk. 与此同时，银行将结构性存款产品划分为 8 类。最低风险等级是 1 级，最高风险等级是 8 级。PRR根据风险等级和投资交易的复杂性进行划分。银行根据风险匹配原则，在客户风险承受能力评级和产品风险评级之间建立如下对应关系，详见下表： Meanwhile, PRR of the Bank’s structured deposit products can be divided into eight categories, while the lowest is 1 class ‘very low risk product’, and the highest is 8 class ‘very high product’. PRR is designed according to product pay-out aggressiveness and complexity of the transaction. In accordance with the principle of risk matching, the corresponding relation between Party A’s risk tolerance level and the risk rating of Products have been established and set out in the below table: 客户风险承受能力评级 描述 Descriptions 适合产品风险评级 CRR (Customer Risk Tolerance Assessment) 描述 Descriptions 适合产品风险评级 PRR (Risk Rating of Appropriate Product) 1-低风险 Low risk 预期对短期投资保本。包括与利率、股权、指数和外汇等标的挂钩的保本结构性投资。 Expect protection on the principal investment and with short-term investment objective. Including principal protected structured investment linked to a common underlying/index such as interest rate, equity and foreign exchange 适用于产品风险评级为低风 险、PRR 为 1 的产品，如短期政府债券、银行存款、保本结构性存款。 Applicable to products of low risk which has PRR of 1 e.g. short- term government bond, bank deposit, and principal protected structured deposit.