步步为赢收益递增型灵活期限个人人民币理财产品说明书

步步为赢收益递增型灵活期限个人人民币理财产品说明书 中国工商银行高净值客户专属- “步步为赢”收益递增型灵活期限 个人人民币理财产品说明书 银行销售的理财产品与存款存在明显区别～具有一定的风险。中国工商银行,以下简称工商银行,郑重提示:在购买理财产品前～投资者应确保自己完全理解该项投资的性质和所涉及的风险～详细了解和审慎评估该理财产品的资金投资方向、风险类型及预期收益等基本情况～在慎重考虑后自行决定购买与自身风险承受能力和资产管理需求匹配的理财产品,在购买理财产品后～投资者应随时关注该理财产品的信息披露情况～及时获取相关信息。 本理财产品为非保本浮动收益型产品。工商银行对本理财产品的本金和收益不提供保证承诺。在发生最不利情况下,可能但并不一定发生,～投资者可能无法取得收益～并可能面临损失本金的风险。请认真阅读本说明书第七部分风险揭示内容～基于自身的独立判断进行投资决策。 一、产品结构 中国工商银行高净值客户专属- “步步为赢”收益递增型灵活期限 个人人民币理财产品 产品名称 代码:WY1001 经工商银行风险评估～评定为保守型、稳健型、平衡型、成长型、 目标客户 进取型的有投资 经验 班主任工作经验交流宣传工作经验交流材料优秀班主任经验交流小学课改经验典型材料房地产总经理管理经验 和无投资经验的个人客户 投资及收益币种 人民币 产品类型 无固定期限理财产品 产品募集期 2010年5月17日至2010年5月24日 工商银行有权结束募集并宣布提前成立～产品提前成立时工商银行 将进行披露并调整相关日期～产品最终规模以工商银行实际募集规 产品成立 模为准。 产品起始日 2010年5月25日 产品规模 本产品最大规模为200亿份～超过该规模～工商银行有权停止募集。 自产品起始日,不含当日,起的每个工作日为开放日～开放日的开放日及开放时间 9:00至17:00为开放时间。产品募集期内不接受赎回申请。 1、募集期内网点营业时间及网上银行24小时接受购买申请, 购买、赎回方式 2、开放时间内接受购买、赎回申请,自产品起始日,不含当日, 起非开放时间可提出购买、赎回预约申请～等同在下一开放时间内and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 的购买、赎回申请。 首笔购买最低金额 10万元 追加购买最低金额 1000元～以1000元整数倍追加 单笔赎回最低份额 1000份～以1000份整数倍追加 交易级差 1000份 理财账户最低保留份额 1000份 理财账户最高份额 1000万份 单位金额 1元/份 T日购买～T+1日确认～T+1日扣款,确认扣款日若遇节假日顺延购买确认 至下一工作日。 T日赎回～T+1日确认～T+2日到帐,确认日若遇节假日顺延至下 赎回确认 一工作日～到账日相应顺延至确认日后一工作日,到账日若遇节假 日顺延至下一工作日。 赎回规则 采取“后进先出”原则～即优先赎回最近的申购份额。 本产品拟投资的信托项目预期收益率约为3.5%-4.8%～拟投资的债 券预期收益率约为1.8%-4.5%,目前货币市场短期融资成本约为 1.5%-2.0%～通过综合测算～在扣除产品销售、托管费合计0.43% 后～客户可获得的预期最高年化收益率分档如下: 1天-29天～0.36%,30天-89天～1.00%,90天-179天～2.20%,收益率测算 180天-269天～2.50%,270天-364天～2.80%,365天-539天～3.3%, 540天及以上～3.80%。扣除产品销售、托管等费用后～理财资金 运作超过预期最高收益率的部分作为银行投资管理费用。 工商银行将根据市场利率变动及资金运作情况不定期调整各档次 预期最高年化收益率～并至少于新预期最高年收益率启用前一个工 作日公布。 理财资产托管人 工商银行北京分行 产品销售手续费、托管费 0.43,,年化～按日由产品规模计提, 以客户的每笔申购为单位累计其存续天数～当客户赎回时～按照其 赎回份额的实际存续天数确定对应的收益率档～再根据存续期间每 日工商银行实际启用的该档收益率计算客户收益。 收益计算及分配方式 实际存续天数:自客户申购确认之日,含当日,起至赎回确认之日 ,含当日,止期间的天数,如客户在募集期内认购本产品份额～则 该份额的实际存续天数自产品成立日,含当日,起开始计算。 工作日 国家法定工作日 赎回确认日,或提前终止日,至到账日之间客户资金不计收益～募 其他规定 集期内按照活期存款利息计息～募集期内的利息不计入认购本金份 额。 二、投资对象 本产品主要投资于银行间债券市场发行的各类债券、以及符合监管机构要 求的信托计划及其他资产或资产组合～货币市场基金、债券基金、回购、由保 -y resist the erosion of various corruption and selflAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious . responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest styles and t the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, seriou, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affecentire. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed styleImplementation to grab at the and other bad habits. o push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovationroots leadership services, service, quality and level of services for the masses t-n coordination, collaboration, efforts for grassfull play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengtheose, give Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. serving, and always maintain and carry forward the fine style of hard work,-elfdiscipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of s2 险资产管理公司管理的机构理财产品以及其他货币资金市场投资工具等～产品因为流动性需要可开展债券正回购等融资业务。 本产品拟投资的信托计划、资产或资产组合均比照工商银行自营业务的管理 标准 excel标准偏差excel标准偏差函数exl标准差函数国标检验抽样标准表免费下载红头文件格式标准下载 ～严格经过工商银行审批流程审批和筛选～达到可投资标准～所涉及的信贷资产五级分类均为正常类～信托计划、资产或资产组合所涉及用款人按照工商银行评级标准均在A-级,含,以上,拟投资的各类债券主体评级均达到AA级,含,以上。为满足流动性要求～本期产品投资于高流动性、本金安全程度高的债券和存款等投资品的比例不低于30%。 三、投资团队 本产品的投资管理人为工商银行～工商银行拥有专业化的银行理财产品投资管理团队和丰富的金融市场投资经验～拥有银行间市场所有类型交易的交易资格。 本产品所投资的信托计划受托人包括: 中海信托股份有限公司,以下简称中海信托,～中海信托是经中国人民银行批准～由中国海洋石油总公司和中国中信集团公司共同投资设立的国有非银行金融机构～机构编号为K0022H231000001,《中华人民共和国金融许可证》,～注册资本12亿元人民币～其中包含美元1500万元～注册地址是上海市黄浦区中山东二路十五号七楼。 中融国际信托有限公司,以下简称中融信托,～中融信托是经中国银行业监督管理委员会批准开展营业性信托业务的非银行金融机构～机构编号为K0019H223010001,《中华人民共和国金融许可证》,～注册资本3.25亿元人民币～其中包含美元1500万元～注册地址: 黑龙江省哈尔滨市南岗区嵩山路33 serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrade-do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of selfdiscipline, integrity, -ly resist the erosion of various corruption and selfAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious thly. To carry forward the hard work, honest style. alSmoogree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globssive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high den a pas possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work ie. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it iImplementation to grab at the front, the maximum possible for jobs initiative to achieve efficient servic and other bad habits. icipal government reports on innovationmeeting of the Office of the munroots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary -ision, service functions, close contact, strengthen coordination, collaboration, efforts for grassose, give full play to staff aides, integrated and coordinated implementation, supervHope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp task is glorious, a great responsibility. s, Government Office work3 号。 大连华信信托股份有限公司,以下简称大连华信,～大连华信是经中国银行业监督管理委员会批准开展营业性信托业务的非银行金融机构～机构编号为K0015H221020001,《中华人民共和国金融许可证》,～注册资本12.1亿元人民币～其中包含美元1500万元～注册地址:大连市西岗区大公街34号。 此外～本产品所投资的信托计划受托人可能还包括经过工商银行相关 制度 关于办公室下班关闭电源制度矿山事故隐患举报和奖励制度制度下载人事管理制度doc盘点制度下载 流程选任～符合工商银行准入标准的其它信托机构。 四、开放期产品购买、赎回方式 1、产品购买 开放时间内～投资者可于工商银行网点或网上银行发起购买～单笔购买量为交易级差,1000份,的整数倍～购买交易T+1日确认～T+1日扣款～确认扣款日若遇节假日顺延至下一工作日。 2、产品赎回 开放时间内～投资者可于工商银行网点或网上银行发起赎回～单笔赎回量为交易级差,1000份,的整数倍～赎回交易T+1日确认～T+2日资金到帐～确认日若遇节假日顺延至下一工作日～到账日相应顺延至确认日后一工作日～到账日若遇节假日顺延至下一工作日～赎回确认日至资金到帐日之间客户资金不计收益。 自产品起始日,不含当日,起非开放时间可提出购买、赎回预约申请～等同在下一开放时间内的购买、赎回申请。若某笔赎回导致投资者的理财账户余额不足理财账户最低保留份额时～工商银行按投资者一次性全部赎回进行处理。 serving, and always maintain and carry forward the fine style of hard work,-elfdiscipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of s-y resist the erosion of various corruption and selflAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious . responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest styles and t the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, seriou, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affecentire. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed styleImplementation to grab at the and other bad habits. o push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovationroots leadership services, service, quality and level of services for the masses t-n coordination, collaboration, efforts for grassfull play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengtheose, give Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. 4 五、巨额赎回 单个开放日中～本产品的产品份额净赎回申请,赎回申请总份额扣除申购总份额后的余额,下同,之和超过上一日产品总份额的30%～为巨额赎回。出现巨额赎回时～工商银行有权不接受超出部分的赎回申请～但投资人可于下一开放日重新进行赎回申请。 理财产品连续两个开放日,含,以上发生巨额赎回～工商银行有权暂停接受客户的购买和赎回申请。投资人根据工商银行披露的开放日可重新进行购买和赎回。 在发生巨额赎回工商银行暂停接受客户申购、赎回申请时～工商银行最迟于次一工作日通过相关营业网点及网站,www.icbc.com.cn,进行披露。 六、理财产品费用、收益计算及分配 1、理财产品费用的来源与实现途径 本理财产品的费用包括:产品销售手续费率:0.4%,理财托管费率:0.03%。上述费用均按日由产品存续规模计提。 2、理财收益计算方式及支付 工商银行将根据市场利率变动及资金运作情况不定期调整预期最高年收益率～并至少于新预期最高年收益率启用前一个工作日公布。 本产品以客户的每笔申购为单位累计其存续天数～当客户赎回时～采取“后进先出”原则～即优先赎回最近的申购份额～并按照其赎回份额的实际存续天数确定对应的收益率档～再根据存续期间每日实际启用的该档收益率计算和支付客户收益。 扣除产品销售、托管等费用后～理财资金运作超过预期最高收益率的部分 serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrade-do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of selfdiscipline, integrity, -ly resist the erosion of various corruption and selfAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious thly. To carry forward the hard work, honest style. alSmoogree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globssive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high den a pas possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work ie. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it iImplementation to grab at the front, the maximum possible for jobs initiative to achieve efficient servic and other bad habits. icipal government reports on innovationmeeting of the Office of the munroots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary -ision, service functions, close contact, strengthen coordination, collaboration, efforts for grassose, give full play to staff aides, integrated and coordinated implementation, supervHope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp task is glorious, a great responsibility. s, Government Office work5 作为银行投资管理费用。 理财收益计算举例如下: 情景一: 某客户于2010年6月21日申购确认10万份～于2010年12月30日赎回确认5万份～赎回份额存续天数为193天～对应收益率为2.5%～则客户收益为: 50,000×2.5%×193/365=660.96,元,, 情景二: 某客户于2010年6月21日申购确认10万份～于2010年8月31日申购确认5万份～于2010年12月30日赎回确认10万份。则按“后进先出”的赎回原则～赎回份额中5万份存续天数为122天～对应收益率为2.2%～另外5万份存续天数为193天～对应收益率为2.5%～客户收益为: 50,000×2.2%×122/365+50,000×2.5%×193/365=1,028.63,元,, 情景三: 某客户于2010年6月21日申购确认10万份～于2010年12月30日赎回确认5万份～赎回份额存续天数为193天。期间工商银行于2010年7月1日将180天-269天区间收益率由2.5%调整为2.6%～则6月21日至6月30日间客户收益按2.5%计算～7月1日至12月30日间客户收益按2.6%计算～客户收益为: 50,000×2.5%×10/365+50,000×2.6%×183/365=686.03,元,, 3、最不利情况分析 鉴于产品的合理设计、投资团队的尽职管理和有效运作～工商银行此类产 thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. serving, and always maintain and carry forward the fine style of hard work,-elfdiscipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of s-y resist the erosion of various corruption and selflAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious . responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest styles and t the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, seriou, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affecentire. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed styleImplementation to grab at the and other bad habits. o push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovationroots leadership services, service, quality and level of services for the masses t-n coordination, collaboration, efforts for grassfull play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengtheose, give Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp6 品以往业绩表现良好～全部如期实现了预期收益率～获得了满意的投资回报。但历史数据代表过去～仅供投资者决策参考～最终收益要以到期实际实现收益为准。 本产品为非本金保证浮动型理财产品～由于市场波动导致资产池内投资品贬值或者投资品发生信用风险导致相应损失～可能使理财产品达不到预期最高收益～甚至不足以支付理财产品本金～届时理财资金将按照实际产品净值向客户进行分配。但在此种情形下～理财产品保留向发生信用风险的投资品发行主体进行追偿的权利～若这些权利在未来得以实现～在扣除相关费用后～将继续向客户进行清偿。 七、风险揭示 本产品类型是“非保本浮动收益理财计划”～根据法律法规及监管规章的有关规定～特向您提示如下:与银行存款比较～本理财计划是高风险投资产品～您的本金可能会因市场变动而蒙受重大损失～您应充分认识投资风险～谨慎投资。客户投资本期理财产品可能面临以下风险: ,一,政策风险:本期理财产品是针对当前相关法律、法规和规定设计而成～如遇到国家宏观政策和市场相关法律法规发生变化～可能影响到本期理财产品的发行、投资和兑付等工作正常进行～若出现上述情况～可能会导致客户本金和收益减少甚至损失的政策风险。 ,二,信用风险:由于本产品主要投资于银行间债券市场发行的各类债券～及符合监管机构要求的信托计划及其他资产或资产组合、货币市场基金、债券基金、回购、由保险资产管理公司管理的机构理财产品以及其他货币资金市场投资工具等。客户面临所投资的信托计划、资产或资产组合涉及的用款人和债 meeting of the Office of the munroots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary -ision, service functions, close contact, strengthen coordination, collaboration, efforts for grassose, give full play to staff aides, integrated and coordinated implementation, supervHope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp task is glorious, a great responsibility. s, Government Office workserving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrade-do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of selfdiscipline, integrity, -ly resist the erosion of various corruption and selfAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious thly. To carry forward the hard work, honest style. alSmoogree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globssive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high den a pas possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work ie. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it iImplementation to grab at the front, the maximum possible for jobs initiative to achieve efficient servic and other bad habits. icipal government reports on innovation7 券发行人的信用违约～保险资产管理公司管理的机构理财产品投资于 协议 离婚协议模板下载合伙人协议 下载渠道分销协议免费下载敬业协议下载授课协议下载 存款时～可能面临存款银行违约或破产而不能及时足额支付存款本金及利息的风险。若出现上述情况～投资本金及收益可能遭受损失。 ,三,市场风险:本产品为非本金保证类理财产品～由于金融市场内在波动性～客户投资本产品将面临一定的市场风险。产品存续期间若银行存款和其他投资市场资产投资收益发生波动～则客户面临承担理财资金配臵存款和其他投资市场资产配臵的机会成本风险。 ,四,流动性风险:若本产品发生巨额赎回～投资者将面临不能及时赎回理财产品的风险。 ,五,提前终止风险:在投资期内～如果发生工商银行认为需要提前终止本期理财产品的情况～工商银行有权提前终止本期理财产品。客户可能面临不能按预期期限取得预期收益的风险。 ,六,交易对手管理风险:由于合作的信托公司受经验、技能等综合因素的限制～可能会影响本期理财产品的后续管理～从而导致本期理财产品项下资金遭受损失。 ,七,兑付延期风险:如因本期理财产品项下对应的投资标的变现不及时等原因造成本期理财产品不能按时支付理财资金～则客户面临产品期限延期、调整等风险。 ,八,不可抗力及意外事件风险:自然灾害、战争等不能预见、不能避免、不能克服的不可抗力事件或系统故障、通讯故障、投资市场停止交易等意外事件的出现～可能对理财产品的产品成立、投资运作、资金返还、信息披露、公告通知造成影响～甚至可能导致理财产品收益降低乃 o push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovationroots leadership services, service, quality and level of services for the masses t-n coordination, collaboration, efforts for grassfull play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengtheose, give Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. serving, and always maintain and carry forward the fine style of hard work,-elfdiscipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of s-y resist the erosion of various corruption and selflAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious . responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest styles and t the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, seriou, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affecentire. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed styleImplementation to grab at the and other bad habits. 8 至本金损失。对于由不可抗力及意外事件风险导致的任何损失～客户须自行承担～银行对此不承担任何 责任 安全质量包保责任状安全管理目标责任状8安全事故责任追究制幼儿园安全责任状占有损害赔偿请求权 。 八、提前终止 工商银行有权提前终止该产品～并至少于提前终止日前五个工作日通过相关营业网点及网站,www.icbc.com.cn,进行披露～并于提前终止日后三个工作日内将理财资金划入投资者指定资金账户。提前终止日至资金实际到账日之间～投资者资金不计息。 九、信息披露 在产品提前成立、提前终止或发生对产品产生重大影响之情形时～工商银行将在工商银行网站(www.icbc.com.cn)或相关营业网点发布产品成立、资产状况、收益情况、产品终止等信息。 本理财产品存续期间～工商银行有权至少提前三个工作日通过工商银行网站,www.icbc.com.cn,和相关营业网点发布信息披露～对产品说明书条款进行补充、说明和修改。投资者不同意补充或修改后的说明书的～可在补充或修改生效前赎回全部理财产品～终止与工商银行的委托理财关系。 本理财产品存续期间如发生工商银行认为可能影响理财产品正常运作的重大不利事项时～包括但不限于所投资资产质量发生重大变化或者其它可能对理财客户权益产生重大影响的突发事件时～工商银行可视情况选择以下一种或多种方式告知投资者:工商银行网站,www.icbc.com.cn,、相关营业网点发布、电子邮件、电话、以信函形式邮寄、手机短信等。 十、特别提示 本理财产品预期最高年收益率仅供投资者参考～并不作为工商银行向客户 do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of selfdiscipline, integrity, -ly resist the erosion of various corruption and selfAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious thly. To carry forward the hard work, honest style. alSmoogree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globssive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high den a pas possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work ie. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it iImplementation to grab at the front, the maximum possible for jobs initiative to achieve efficient servic and other bad habits. icipal government reports on innovationmeeting of the Office of the munroots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary -ision, service functions, close contact, strengthen coordination, collaboration, efforts for grassose, give full play to staff aides, integrated and coordinated implementation, supervHope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp task is glorious, a great responsibility. s, Government Office workserving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrade-9 支付理财收益的承诺,客户所能获得的最终收益以工商银行实际支付的为准～且不超过本说明书约定的最高收益率。故客户在投资前～请仔细阅读本产品说明书～并作出独立的投资决策。 工商银行有权对本产品说明书保留解释权。 本产品履行相应的报备程序～依法合规。工商银行将恪守勤勉尽责的原则～合理配臵资产组合～为投资者提供专业化的理财服务。 声明:客户承诺已经全面理解本说明书的全部条款～尤其是本说明书中的风险揭示条款～充分认识到投资本期理财产品可能面临的风险～并自愿承担相关风险～特此确认。 客户签字: 中国工商银行股份有限公司 年 月 日 年 月 日 -y resist the erosion of various corruption and selflAdhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, conscious . responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest styles and t the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, seriou, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affecentire. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed styleImplementation to grab at the and other bad habits. o push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovationroots leadership services, service, quality and level of services for the masses t-n coordination, collaboration, efforts for grassfull play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengtheose, give Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purp thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. serving, and always maintain and carry forward the fine style of hard work,-elfdiscipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of s10