平安银行理财产品协议书

甲方： 理财产品认购申请人（以下简称“甲方”）

乙方：平安银行股份有限公司（以下简称“乙方”）

《平安银行理财产品协议书》（以下简称“本协议”）为甲方购买乙方销售的平安银行安盈理财1033系列理财产品之协议书。甲方认购本产品所填写并签署的《安盈理财1033系列人民币理财计划产品说明书》（以下简称“产品说明书”）、《理财产品委托类申请表》、《安盈理财1033系列理财产品风险揭示书》及《平安银行理财产品客户权益须知》为本协议不可分割之组成部分。

经甲方与乙方协商一致，就甲方向乙方购买理财产品，达成协议如下：

一、风险提示：银行销售的理财产品与存款存在明显区别。投资理财产品可能面临信用风险、市场风险、流动性风险等风险，具体风险因素由乙方在风险揭示书中揭示。乙方应仔细阅读并充分理解产品说明书及风险揭示书中的详细条款及可能发生的风险。

二、甲方申明：甲方是具有完全民事行为能力的个人，接受并签署本协议、产品说明书、风险揭示书及客户权益须知等产品文件，对有关条款不存在任何疑问和异议；甲方以本人合法持有的资金购买乙方的产品，并能充分理解所购买产品的内容，完全知晓产品可能出现的各种风险，愿意承担这些风险。乙方向甲方提供的市场分析和预测仅供参考，甲方据此做出的任何决策出于甲方自己的判断，乙方不承担任何责任。

三、本协议仅适用于甲方向乙方购买的单笔个人理财产品，不同笔理财产品协议书的效力及其履行情况相对独立。

四、双方权利和义务：

（一）甲方认购理财产品并签署本协议后，即授权平安银行按委托金额于认购日冻结本人指定资金账户（卡内主账户）认购资金，并授权平安银行于产品认购划款日从此账户扣划相应的认购资金(委托金额、认购日及产品成立日等均详见《理财产品委托类申请表》内容栏的相应记载和产品说明书)。

（二）甲方有权依照约定在产品存续期内获得投资收益。认购划款日到成立日期间为认购清算期，产品到期日（或提前终止日）到理财资金到账日为还本清算期，认购清算期和还本清算期内不计付利息。

（三）因甲方指定资金账户资金余额不足或处于非正常状态（挂失、冻结、销户等状态）致使乙方无法按时办理扣款或到期理财资金及收益无法入账，或者引起其他一切风险与损失的，均由甲方承担。

（四）乙方有权收取一定的理财产品管理费，具体收费方式和标准在产品说明书中载明。

（五）本理财产品收益为未扣税收益，乙方应根据国家规定自行纳税。如根据有关法律规定或税务机关要求，甲方有权代扣代缴。

六、本协议自甲、乙双方在本协议及甲方认购本理财产品所对应的产品说明书、《理财产品委托类申请表》、风险揭示书及客户权益须知上签署后生效。如客户认购理财产品失败、理财产品不成立、银行行使提前终止权、理财产品到期并结清后，本协议自动终止。

七、在发生下列情况之一时，本协议终止：

（一）乙方拥有提前终止本协议的权利（以下简称“提前终止权”），若乙方未行使提前终止权，则本协议有效期至本理财产品到期清算后终止；若乙方行使了提前终止权，则本协议有效期至该终止权执行并清算后终止。

（二）如甲方理财资金在本理财产品到期日之前被有权机关扣划或者采取其它限制权利的措施，则视同甲方违约，乙方有权自扣划或采取其它限制权利的措施之日起终止本协议，甲方应自行承担违约导致的损失。

八、因法律法规或监管政策变化、自然灾害、意外事故、战争、系统故障、通讯故障等乙方不可控制的因素，导致乙方无法或延后履行本协议的有关义务，乙方不承担责任，但应在条件允许的情况下通知甲方，并采取一切必要的补救措施以减少有关损失。

九、本协议适用中华人民共和国法律；法律、法规或规章无明文规定的，可适用通行的金融惯例。如本协议履行过程中部分条款与法律、法规或规章的规定相抵触时，有关的权利和义务应按相关法律、法规或规章的规定履行。

十、本协议一式两份，甲、乙双方各执一份，具有同等法律效力。

甲方（客户)签名: 乙方签章：

（经办行业务公章）

平安银行理财产品协议书

甲方： 理财产品认购申请人（以下简称“甲方”）

乙方：平安银行股份有限公司（以下简称“乙方”）

《平安银行理财产品协议书》（以下简称“本协议”）为甲方购买乙方销售的平安银行安盈理财1033系列理财产品之协议书。甲方认购本产品所填写并签署的《安盈理财1033系列增强型债券类人民币理财计划产品说明书》（以下简称“产品说明书”）、《理财产品委托类申请表》、《安盈理财1033系列理财产品风险揭示书》及《平安银行理财产品客户权益须知》为本协议不可分割之组成部分。

经甲方与乙方协商一致，就甲方向乙方购买理财产品，达成协议如下：

一、风险提示：银行销售的理财产品与存款存在明显区别。投资理财产品可能面临信用风险、市场风险、流动性风险等风险，具体风险因素由乙方在风险揭示书中揭示。乙方应仔细阅读并充分理解产品说明书及风险揭示书中的详细条款及可能发生的风险。

二、甲方申明：甲方是具有完全民事行为能力的个人，接受并签署本协议、产品说明书、风险揭示书及客户权益须知等产品文件，对有关条款不存在任何疑问和异议；甲方以本人合法持有的资金购买乙方的产品，并能充分理解所购买产品的内容，完全知晓产品可能出现的各种风险，愿意承担这些风险。乙方向甲方提供的市场分析和预测仅供参考，甲方据此做出的任何决策出于甲方自己的判断，乙方不承担任何责任。

三、本协议仅适用于甲方向乙方购买的单笔个人理财产品，不同笔理财产品协议书的效力及其履行情况相对独立。

四、双方权利和义务：

（一）甲方认购理财产品并签署本协议后，即授权平安银行按委托金额于认购日冻结本人指定资金账户（卡内主账户）认购资金，并授权平安银行于产品认购划款日从此账户扣划相应的认购资金(委托金额、认购日及产品成立日等均详见《理财产品委托类申请表》内容栏的相应记载和产品说明书)。

（二）甲方有权依照约定在产品存续期内获得投资收益。认购划款日到成立日期间为认购清算期，产品到期日（或提前终止日）到理财资金到账日为还本清算期，认购清算期和还本清算期内不计付利息。

（三）因甲方指定资金账户资金余额不足或处于非正常状态（挂失、冻结、销户等状态）致使乙方无法按时办理扣款或到期理财资金及收益无法入账，或者引起其他一切风险与损失的，均由甲方承担。

（四）乙方有权收取一定的理财产品管理费，具体收费方式和标准在产品说明书中载明。

（五）本理财产品收益为未扣税收益，乙方应根据国家规定自行纳税。如根据有关法律规定或税务机关要求，甲方有权代扣代缴。

六、本协议自甲、乙双方在本协议及甲方认购本理财产品所对应的产品说明书、《理财产品委托类申请表》、风险揭示书及客户权益须知上签署后生效。如客户认购理财产品失败、理财产品不成立、银行行使提前终止权、理财产品到期并结清后，本协议自动终止。

七、在发生下列情况之一时，本协议终止：

（一）乙方拥有提前终止本协议的权利（以下简称“提前终止权”），若乙方未行使提前终止权，则本协议有效期至本理财产品到期清算后终止；若乙方行使了提前终止权，则本协议有效期至该终止权执行并清算后终止。

（二）如甲方理财资金在本理财产品到期日之前被有权机关扣划或者采取其它限制权利的措施，则视同甲方违约，乙方有权自扣划或采取其它限制权利的措施之日起终止本协议，甲方应自行承担违约导致的损失。

八、因法律法规或监管政策变化、自然灾害、意外事故、战争、系统故障、通讯故障等乙方不可控制的因素，导致乙方无法或延后履行本协议的有关义务，乙方不承担责任，但应在条件允许的情况下通知甲方，并采取一切必要的补救措施以减少有关损失。

九、本协议适用中华人民共和国法律；法律、法规或规章无明文规定的，可适用通行的金融惯例。如本协议履行过程中部分条款与法律、法规或规章的规定相抵触时，有关的权利和义务应按相关法律、法规或规章的规定履行。

十、本协议一式两份，甲、乙双方各执一份，具有同等法律效力。

甲方（客户)签名: 乙方签章：

（经办行业务公章）

 

第二篇：上海浦东发展银行个人专项理财产品合约

SPD BANK

Shanghai Pudong Development Bank

Personal Special Financial Contract

(2009 The Hundredth XDY Program)

NO. :

XXXXXXX

Risk Tips: The risk of this financial product includes but not limited to principal and income risk, the risk of delaying in payment, policy risk, market risk, liquidity risk, reinvestment risk, information transmission risk, force majeure etc. This financial program is a high-risky investment product, so your principal may have a significant loss when the market varies. You should be fully aware of investment risk and be cautious about making investment.

Party A (the Customer):

Valid ID Card Type: ID Card ID Card No.:

Party B (the bank): Shanghai Pudong Development Bank

According to Nov. 9, 2009 Clauses For Shanghai Pudong Development Bank Personal Special Financial Product No 28010909 between Party A and Party B ( hereinafter called “contract terms”) and Risk Disclosure Statement for Shanghai Pudong Development Bank Personal Special Financial Product and the Assessment of Product Fitness ( hereinafter called “Risk Disclosure Statement”), both parties have reached the following agreement on the purchase of Party B? s financial product by Party A in a voluntary and honest manner after equal negotiation.

Article 1 Party A opens an account in Party B by applying for the SPD BANK card (excluding credit card), pays the principal of Shanghai Pudong Development Bank Personal Special Financial Product using this card and receives the principal and earnings of this product when this product is due (If the principal and earnings of this product is more than zero).

1. Party A ?s SPD BANK Card No.: XXXXXXXXXX

Subscription Principal of This Product (This amount depends on the words)

In Figures: RMB240,000

In Words: RMB Two hundred and forty thousand only

2. This contract will be automatically terminated when the balance of SPD BANK

does not meet the requirement of this contract, leading to the failure of

completion of transaction on the settlement date.

3. Party A shall be responsible for the legality of the source of its funds and shall

guarantee that the funds that are paid to the bank will not lead to any dispute or punishment to Party B by the third party, regulation department as well as judiciary etc.

4. Party A shall go to Party B?s branch to sign this contract with Party A ?s valid

document and the SPD bank card above and purchase this product in accordance with the provisions and regulations of Party B on this product.

5. Party A?s above principal will be temporarily frozen during reservation period

and from the end of reservation period to the settlement date of earning .Party A is not allowed to withdraw the principal.

Article 2 The details of this product purchased by Party A under this contract can be found out in the form below. Party A shall confirm that you have fully understood and accepted the full information of this product under this contract.

Article 3 Interest mode: daily yield= annual yield/365; calculate in simple interest based on actual days.

Article 4 Taxes: For the proceeds incurred from the principal of financial product, the bank will not withhold or collect taxes. Party B shall withhold and collect taxes in the event that it is Party B?s obligations to withhold and collect taxes to be born by the customer in accordance with the laws and regulations.

Article 5 Account management: Party B takes differential account management on Party A?s assets and Party B?s self-owned assets under this financial planning, to assure the independence among the asset under this financial planning, and owned-assets, assets of other customers and assets under other financial planning.

Article 6 In accordance with the Contract, Party B shall, operate the assets under the financial planning independently, collect administration fee and exercise the investor?s right of investment formation for the assets under the financial planning. Party B shall, in the investment and management of financial planning, scrupulously abide by the duty, fulfill the obligations of honesty and credibility, care and diligence, thus serve for all the investors under this financial planning to the most extent, and protect the rights and interests of the customers under financial products according to the laws with our professional knowledge of financial planning.

Article 7 Benefit and distribution of financial planning

1. The personal financial product under the Contract is non-principal guaranteed financial planning with floating proceeds, any investment risk in principal and others shall be borne by Party A. Upon its expiry, Party B shall not assure Party A?s principal and final proceeds and relevant amount, Party A may lose part even all of his principal due to policies, market and other risks. On the date of payment, Party B shall only distribute in one time to the extent of financial planning benefit (if any) of this product.

2. On the date of payment of this financial planning, in the event that expected yield is not achieved even the financial planning principal is not received in full amount, Party B shall, only on the date of payment, distribute financial planning benefit according to the proportions of each customer?s principal in the total principal amount of this financial planning for all the customers.

Financial planning benefit = proceeds of financial product - expenses of financial products

3. The proceeds of this financial product is loan and interest that may obtain from

issuance of trust loans, the rate of trust loan is 4.131%/year, it is just the expected yield, non financial planning investment may assure the yield.

4. In this financial product, Party A shall bear the following expenses:

(1) Fixed trust charge: consists of administration fee of trust company, trust custodian fee and stamp duty etc, with the rate of 0.205%/year.

(2) Fixed banking charge: consists of bank administration fee, with the rate of 0.326%/year.

Any expense of information disclosure, CPA and attorney fees related to sales and settlement of financial product during the duration of this financial product shall be borne by Party B, and shall not be counted as the expense of financial product.

5. Party A hereby irrevocably authorizes Party B to automatically redeposit the principal and proceeds (in the event that actual proceeds is greater than zero) that may obtained on the date of payment under the financial planning contract into Party A?s card of Shanghai Pudong Development Bank described in article 1 in the Contract as three-month RMB time deposit, however, such authorization shall not constitute the obligations to be fulfilled by Party B.

Article 8 Information disclosure

1. Public information under this financial planning shall be disclosed through bank outlets, network or any other means and place considered to be appropriate by Party

B.

2. Specific contents and time for information disclosure are as follows:

(1) Periodical report

Upon establishment of the financial planning, Party B shall, disclose information at the end of each quarter in the fiscal year, such information disclosure announcement shall be made within 10 banking days prior to the next quarter, and Party B may delay the time for announcement properly in special cases. Upon the expiry of the product, Party B shall public information within 10 banking days after the expiry of the product, and may delay the time for announcement property in special cases.

(2) Significant event disclosure and way of disclosure

Party B shall make an announcement on the events that have, will or may have significant negative effects on the benefits of all investors under this financial planning, through Party B?s bank outlets, network and any other means considered to be appropriate by Party.

(3) Party A and Party agree that the assets report of financial planning is not required to audit. In the event that the regulatory authority considers necessary, the related audit charge shall be borne by the financial planning.

3. Party A and Party B hereby agree that, unless otherwise specified in the financial planning contract, the type of information disclosure under the Contract shall be deemed to notify Party A since the date of disclosure as agreed in Clause 8 (1), and Party B doesn?t have to give written notice in this purpose.

Article 9 During the period of sales by subscription, in the event that the amount of capital financing fails to reach the minimum extent due to market risk etc, Party B has right to declare unsuccess of this product, and terminate the Contract, make an announcement through Party B?s bank outlets, network and any other means considered to be appropriate by Party, the date of announcement shall be deemed to inform Party A. Party A and Party B hereby agree that, Party B doesn?t have to give written notice in this purpose. In addition, Party A agrees that it shall accrue interest for the subscription fund to be deposited into the Party A?s card of Shanghai Pudong Development Bank described in 8(1) shall according to rate of RMB time deposit in the current period.

Article 10 During the duration of the financial product, Party A shall not create pledge guarantee for the product and/or its rights hereof.

Article 11 The Contract and contract terms signed between the two parties and Risk Disclosure Statement constitute the complete and independent financial planning contract between the customer and bank which are not indiscerptible. The terms and definitions in the Contract shall have the same meaning and interpretation with the contract terms. Unless otherwise specified, in the event of any discrepancies between the Contract and contract terms and Risk Disclosure Statement, the Contract shall prevail; any matters not mentioned in the Contract, contract terms and Risk Disclosure Statement shall prevail.

Article 12 Party A may claim for Statement of Financial Product against Party B as required.

Article 13 After Party A purchases the financial product under the Contract, where a complaint is required, Party A may call nationwide customer service hotline (95528) of Party B, which shall accept the complaint according to unified workflow and handle it under the principles of fairness and justness.

Article 14 The Contract shall be governed by the laws of the People?s Republic of China (in this purpose, it shall not apply to the laws of Hong Kong, Macau Macao Special Administrative Region and Taiwan). Any disputes arose in relation to the Contract, shall be dissolved by the two parties through negotiation. If no agreement can be reached, any party may initiate proceedings with the competent court where Party B locates.

Article 15

The Contract is made in duplicate, each party keeps one, and both of which has the

same legal force. It shall become effective after Party signs and Party B stamps the official seal or special seal for service Contract on it.

The Contract is signed by and between Party A (the Customer) and Party B (the bank), as stated in the heading, on confirms and declares that upon signing the Contract, Party B has given a detailed description and interpretation on all the articles of the Contract. Party A and Party B have made adequate communication and discussion on all the articles hereof, the two parties don’t have any doubts on the articles, and have completely correct understanding on the legal meaning of limitations on relevant rights, obligations and responsibilities of parties concerned, or exception clause. Party A hereby declares that, signing the Contract is from his true intention and he will exercise the corresponding rights and fulfill corresponding obligations hereof.