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<p align="left" class="MsoNormal" style="word-break: break-all; text-align: left; line-height: 24pt"><span style="font-size: 12pt; font-family: 宋体; color: black"><a oldsrc="W020240619562935008761.doc" href="./W020240619562935008761.doc"><font color="#ff0000">理财产品说明书《珠海华润银行润悦1号第518期理财产品》.docx</font></a></span></p>
<p align="left" class="MsoNormal" style="word-break: break-all; text-align: left; line-height: 24pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">尊敬的客户</span></p>
<p align="left" class="MsoNormal" style="word-break: break-all; text-align: left; line-height: 18pt; text-indent: 24pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">我行定于<span lang="EN-US">2024</span>年<span lang="EN-US">6</span>月<span lang="EN-US">19</span>日至<span lang="EN-US">2024</span>年<span lang="EN-US">6</span>月<span lang="EN-US">25</span>日发行“润悦<span lang="EN-US">1</span>号第<span lang="EN-US">518</span>期”理财产品，产品简要信息如下：</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">产品简介</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">产品名称</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">珠海华润银行润悦<span lang="EN-US">1</span>号第<span lang="EN-US">518</span>期人民币理财计划</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">产品代码</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #464646">RY10518</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">产品登记编码</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体">C1082924000085</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">产品类型</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">封闭式、固定收益类净值型产品</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt; text-indent: 24pt"> <span style="font-size: 12pt; font-family: 宋体; color: #464646">产品风险评级</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #464646">R2</span><span style="font-size: 12pt; font-family: 宋体; color: #464646">级（本风险评级为珠海华润银行内部测评结果，仅供客户参考）</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">业绩比较基准</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #222222">[3.00%,4.00%]</span><span style="font-size: 12pt; font-family: 宋体; color: #222222">（年化）。理财产品过往业绩不代表其未来表现，不等于理财产品实际收益，投资须谨慎。</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">认购起点金额及递增金额</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">认购起点金额为<span lang="EN-US">1</span>万元；超过认购起点部分，以<span lang="EN-US">1000</span>元递增。</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">销售时间</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt; text-indent: 12pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #222222">2024</span><span style="font-size: 12pt; font-family: 宋体; color: #222222">年<span lang="EN-US">6</span>月<span lang="EN-US">19</span>日至<span lang="EN-US">2024</span>年<span lang="EN-US">6</span>月<span lang="EN-US">25</span>日</span><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">产品成立日</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt; text-indent: 12pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #222222">2024</span><span style="font-size: 12pt; font-family: 宋体; color: #222222">年<span lang="EN-US">6</span>月<span lang="EN-US">26</span>日</span><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">产品到期日</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt; text-indent: 12pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #222222">2026</span><span style="font-size: 12pt; font-family: 宋体; color: #222222">年<span lang="EN-US">7</span>月<span lang="EN-US">2</span>日</span><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">投资期限</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt; text-indent: 12pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #222222">736</span><span style="font-size: 12pt; font-family: 宋体; color: #222222">天</span><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">理财币种</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt; text-indent: 12pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">人民币</span><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">销售规模</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222"> 不超过<span lang="EN-US">2</span>亿元。</span><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt; text-indent: 24pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt; text-indent: 24pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt; text-indent: 24pt"><span style="font-size: 12pt; font-family: 宋体; color: #222222">投资组合安排</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt; text-indent: 30pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">本理财产品投资于符合监管要求的固定收益类资产及其他资产，固定收益类资产包括但不限于货币市场工具类、债券类、其他符合监管要求的债权类资产等。各投资资产种类占总投资资产的计划投资比例如下，具体请参考产品说明书：</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">资产种类</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">投资比例</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">货币市场工具类</span></p>
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<td width="153" valign="top" style="border-top: medium none; border-right: windowtext 1pt solid; width: 76.5pt; border-bottom: windowtext 1pt solid; padding-bottom: 0cm; padding-top: 0cm; padding-left: 5.4pt; border-left: medium none; padding-right: 5.4pt" rowspan="3">
<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #464646">80%-100%</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">债券类</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">其他符合监管要求的债权类资产</span></p>
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<p align="center" class="MsoNormal" style="text-align: center; line-height: 18pt"><span style="font-size: 12pt; font-family: 宋体; color: #464646">其他资产</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #464646">0-20%</span></p>
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<p align="left" class="MsoNormal" style="text-align: left; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
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<p align="center" class="MsoNormal" style="word-break: break-all; text-align: center"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #464646"> </span></p>
<p align="right" class="MsoNormal" style="word-break: break-all; text-align: right; line-height: 18pt"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #464646"> </span><span style="font-size: 12pt; font-family: 宋体; color: #333333">珠海华润银行股份有限公司</span></p>
<p align="right" class="MsoNormal" style="word-break: break-all; text-align: right"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体; color: #333333"> 2024</span><span style="font-size: 12pt; font-family: 宋体; color: #333333">年<span lang="EN-US">6</span>月<span lang="EN-US">19</span>日</span><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
<p align="left" class="MsoNormal" style="word-break: break-all; text-align: left"><span lang="EN-US" style="font-size: 12pt; font-family: 宋体"> </span></p>
<p class="MsoNormal"><span lang="EN-US"> </span></p>
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