1. Basic product information

Product name Bo·Yi BY1109D21D-2 - variable term

Product abbreviation Bo·Yi BY1109D21D-2

Product code BY1109D21D-2

The investment income starting date is September 22, 2011

The expiration date is October 13, 2011 (the actual product term is subject to early termination by the bank Terms)

When the subscription fund return product is terminated or expires early, Bank of China Co., Ltd. will return the full subscription funds to investors

Investment income is calculated based on the subscription funds and actual investment. The yield and pay period are calculated as simple interest. This product has one income period from the date when the investment income is calculated to the product termination date or maturity date

Investment rate of return

(annual rate) The financial product expires or is paid by Bank of China shares The limited company is terminated early, and the yield is 3.30

Subscription funds/subscription funds return/investment income currency RMB/RMB/RMB

The income period is from the date of calculation of investment income (inclusive) to Product termination date or maturity date (not included)

Basic calculation of income A/365 (that is, a whole year is calculated based on 365 calendar days, and the income period is calculated based on the actual number of days)

Investment income payment and subscription fund return method When the product is terminated or expires early, the accumulated investment income for all income periods and the subscription funds will be returned in one lump sum. The corresponding early termination date or expiration date will be the investment income payment date and subscription fund return date.

Termination clause automatically terminates none

Early termination Bank of China Co., Ltd. has the right to unilaterally decide to terminate early on the early termination date

Early termination date 2011 September 30 (if the bank decides to terminate early, investors will be notified at least two working days (inclusive) in advance)

Beijing’s early termination date, investment income payment date and subscription fund return date are adopted Bank working days

Within [3] working days after the early termination date or the expiration date of the investor’s fund arrival date. No interest will be accrued between the early termination date or maturity date and the investor’s fund arrival date.

Computing Bank Bank of China Co., Ltd.

2. Subscription

■2.1 The subscription period for this product is from September 15, 2011 to September 21, 2011 day.

■2.2 This product is suitable for individual investors with and without investment experience. The starting subscription amount shall not be less than RMB 500,000. The product subscription amount above the starting amount shall be subscribed in integer multiples of RMB 1,000. .

■2.3 Investors should open an all-in-one current account at Bank of China Co., Ltd. This all-in-one current account is used by Bank of China Co., Ltd. to deduct or freeze subscriptions when investors subscribe to financial products. Funding account for funds. Investors should reserve sufficient subscription funds in their capital accounts. If the reserved funds are insufficient, the subscription will be deemed invalid. After an investor applies to Bank of China Co., Ltd. to subscribe for financial products and obtains confirmation from Bank of China Co., Ltd., Bank of China Co., Ltd. deducts or freezes the corresponding subscription funds from the investor's capital account. If an investor's capital account changes, the capital account in the last written change notice received by Bank of China Co., Ltd. before payment of investment income or return of subscription funds shall prevail.

■2.4 Bank of China Co., Ltd. will deduct or freeze the subscription funds in the investor’s capital account on the subscription date.

■2.5 Interest during the subscription period: Interest will be calculated based on the current deposit interest rate from the effective date of the investor's subscription to the date of calculation of investment income (not included). Interest during the subscription period will not be included in the investment principal.

3. Redemption and early termination

■3.1 Before the maturity date of this product, investors do not have the right to actively apply for redemption of the product, and investors have no right to early termination.

■3.2 Before the expiration date of this product, Bank of China Co., Ltd. has the right to terminate the product early on the early termination date. If Bank of China Co., Ltd. decides to terminate the product early, it will notify investors at least 2 working days (inclusive) before the corresponding early termination date.

■3.3 Before the expiration date of this product, if the parties to the financial management product reach consensus or there are major changes in laws, regulations, or regulatory requirements that require the termination of this financial management product, Bank of China Co., Ltd. has the right to terminate this product early.

4. Investment income payment and subscription fund return

■4.1 Bank of China Co., Ltd. stipulates the investment rate of return in this product description. However, this investment rate of return does not constitute a commitment by Bank of China Co., Ltd. to guarantee that investors will obtain the investment rate of return stipulated in this product description from the date of calculation of investment income to the maturity date.

■4.2 If the early termination date, investment income payment date, or subscription fund return date falls on a holiday in the relevant country, the adjustment method will be "postponed", that is, it will be postponed to the first working day after the holiday. Regardless of whether the working day falls in the same or a different calendar month. The adjustment method for calculating investment income is "following adjustment", that is, "postponed" is applicable to the calculation of investment income in the current period.

5. Investment direction

■The funds raised by this product are included in our bank’s capital pool for unified operation and management, and invested in treasury bonds, central bank bills, and government bonds circulating in the domestic inter-bank bond market. Financial products with public ratings above investment grade, such as bonds issued by the Export-Import Bank of China and Agricultural Development Bank of China, as well as financial derivatives such as bond repurchases.

6. Product establishment

■6.1 Conditions for the establishment of financial management products: The subscription period expires, the cumulative amount of raised funds exceeds 10 million yuan, and the financial management products are established on the date when investment income starts to be calculated.

■6.2 If this financial product does not meet the conditions for establishment, Bank of China Co., Ltd. will announce it to the public by posting an announcement at its business outlets or our official website (www.boc.cn), and will invest The subscription funds will be returned to the investor within 5 working days after the end of the subscription period, and the rights and obligations of both parties under the financial product will be terminated.

7. Risk Warning

■7.1 This financial product involves investment risks, and investors can only obtain the benefits clearly promised in the contract. Investors should fully understand the investment risks and invest prudently.

■7.2 Investors who subscribe for this product may face the following risks:

■7.2.1 Market risk: including but not limited to national laws and regulations, monetary policy, fiscal policy, and industrial policy Changes in national policies such as , regional development policies, changes in macro-cyclical economic conditions, changes in foreign exchange rates and the purchasing power of the RMB have a certain impact on the market, leading to fluctuations in the investment returns of wealth management products, and under certain circumstances, even affecting the performance of wealth management products. Impact on establishment and operation.

■7.2.2 Liquidity risk: This financial product does not provide a daily redemption mechanism before the maturity date, and investors do not have the right to terminate early during the financial period.

■7.2.3 Credit risk: If Bank of China Co., Ltd. encounters credit risk and is revoked in accordance with the law or filed for bankruptcy, it will have an impact on the investment income of financial products.

■7.3 In addition to the above risks, investors should also pay attention to the following risks of this product:

■7.3.1 Bank of China Co., Ltd. has the right to terminate this financial product early. may result in early termination of the product.

■7.3.2 Before the early termination or maturity date of this product, changes in financial market prices may affect investors' inability to obtain better investment returns.

8. Information Disclosure

■8.1 After the preparation of reports, statements or notices on disclosure matters, Bank of China Co., Ltd. may choose one or more of the following methods depending on the circumstances. Report to investors: official website of Bank of China Co., Ltd. (www.boc.cn), business outlets of Bank of China Co., Ltd. for reference, email, phone, mail by letter, mobile phone text message, etc.

■8.2 In the event of early termination of the wealth management product, failure of the wealth management product, or events deemed necessary by Bank of China Co., Ltd., Bank of China Co., Ltd. will make corresponding information disclosures to investors who subscribed to the wealth management product. .

■8.3 Investors will promptly log on to the website of Bank of China Co., Ltd. to browse and read the above information, or go to the business outlets of Bank of China Co., Ltd. to inquire about the above information. If the investor fails to inquire in time or is affected by communication failure, system failure or other force majeure factors (including but not limited to missing the use of funds and reinvestment opportunities due to failure to obtain information in time), all responsibilities and risks shall be borne by the investor. The person shall be responsible for it.

*This product description, together with the "Master Agreement on Wealth Management Products of Bank of China Co., Ltd." and the supplementary agreements based thereon, regulate the rights and obligations between Party A and Party B.