Wenying Series

Definition:
The " Wenying Series are wealth management products issued by «First Sino Bank» to investors. The return of the product is backed by T-bonds, policy financial bonds, and Central Bank bills traded on interbank bond market, or is backed by corporate bonds or trust products guaranteed by the financial institutions.

Zengying Series

Definition:
The "Zeingying" series are investment and management plans for investors who invest in financial instruments of high credit rating and liquidity such as T-bonds, financial bonds, corporate bonds, Central Bank bill and bond repurchase.
Risk Involved:
The investment products hereof are subject to investment risks. The customer should gain full knowledge of the investment risks and make prudent investment decisions.

Chuangying Series

Definition:
Chuangying is «First Sino Bank» series of RMB investment products with floating return.
Important Information:
Any expected return, calculated return and estimated return do not represent the actual return to the investor, neither the commitment by Bank on the return.
Risk Involved:
The investment products hereof is subject to investment risks and heavy loss might incurred. The customer should gain full knowledge of the investment risks and make prudent investment decisions.

Huiying Series

Definition:
«First Sino Bank» series of wealth management products invested inRMB or foreign currency. Investing in this kind of products allows investors to look for opportunities around the world/hot market, diversity risk and build international asset portfolio. Risk Involved:
Theinvestment product hereof is subject to investment risks. The customer should gain full knowledge of the investment risks and make prudent investment decisions.

Gold Trading Service

A service for retail customers to buy and sell gold, including services for delivery and withdrawal of physical gold from warehouse, as well as provision of market news and prices on gold through direct link to Shanghai Gold Exchange ("SGE"). Personal customers under the service are individual persons who have signed up the service through «First Sino Bank».

Smart Investment

Definition:
The Zengying series of daily wealth management products are investment and management plans for investors who invest in financial instruments of high credit rating and liquidity.
Risk Involved::
The investment products hereof are subject to investment risks. The customer should gain full knowledge of the investment risks and make prudent investment decisions.

Personal Forex Trading

Sign up Forex Trading:
With document to verify your identity, deposit a sum of FX cash or transfer the FX TT (include remittance from overseas) into «First Sino Bank» FX Card, at «First Sino Bank» counter fill in «First Sino Bank» FX Firm-Bid Trades Service Agreement and «First Sino Bank» FX Firm-Bid Trades Risk Disclosure, enroll Personal Internet Banking and sign up FX Trading Services. «First Sino Bank» will give you a Customer No. and you supply a password. Now you are ready to trade FX through Internet Banking or Phone Banking.

Call Deposit

Definition:
Every day interest is a linked deposit of current deposit and 1-day deposit. 7-day interest is a linked deposit of current deposit and 7-day deposit. «First Sino Bank» acts on your instruction to automatically transfer the amount (minimum RMB 50,000) more than the remaining balance (minimum RMB 1000 and must be integral multiples of RMB 1000) in your «First Sino Bank» card’s main current account to 1-day or 7-day call deposit. Interest accrued in the cycle of 1 day or 7 days. Interest accrued in each period will be automatically transferred to the next cycle.