☆ Description
The "Caifu Wenli Series" personal wealth management product is an upgrade of traditional fixed-term products launched by the ICBC. In addition to the benefits of fixed-term products, the product will enhance your investment experience.

☆ Features
1. Opening all-year round for purchasing
The product is available at any time. The customer can submit purchase application whenever they want, which will be confirmed on the next business day, without the need for waiting for any specific open period. This makes it more efficient than ordinary fixed-term products.
2. Better yields
With security guaranteed, the product has a considerable yield rate. A single investment at the amount of RMB500,000 or RMB1,000,000 will produce even higher yields.
3. Funds available on T+1 day and higher liquidity
The fund will be credited into customers' accounts on the (business) day following the end of each investment cycle. It offers convenience and high liquidity.
4. One-off investment, multiple terms of benefits
Compared with fixed-term products, the "Wenli" series product provides customers with the option of automatic re-investment. The customer can freely choose the number of terms of automatic re-investment from 1 to 10, or unlimited terms. Customers with automatic re-investment enabled can enjoy the "seamless connection" of funds investment, where the fund automatically enters the next investment cycle and enjoys the interests, after one investment cycle ends, which not only greatly increases the investment efficiency, but also eliminates the concerns on whether to select a new product after one period expires.
5. The product is of floating interests with no guarantee on the principal. The information above is for reference only. Please refer to the product introduction for details that is shown in disclosure at the official website. Terms and conditions are subject to regulations issued by local ICBC branch.

☆ Service Channels and Transaction Time
Services regarding the product are available at all outlets, internet banking, mobile banking, and self-service terminals.
Each business day since the commencement date is an open day. The system is open for purchase and redemption application from 9:00 to 17:00 on any open day. Any application for purchase and redemption made during non-open hours since the commencement date is deemed to be made in the nearest open hour that follows.