New Delhi Stock Exchange：Corporate Cash Management

Bank of

Communications “Win-to-Account” Cash Management is a portfolio of services

including accounts receivable/accounts payable management, account management,

liquidity management, investment and financing management for the Group, to

help the Group achieve internal fund sharing, reduce idle funds and capital

costs, and meet their needs for intensive treasury management based on the

maximum unification of cash flow and efficiency. The Product Features include:

1. RMB Cash

Management

RMB cash

management products are the basic cash management services provided by Bank of

Communications for the Group’s clients to meet their demands for centralized

controlling of the Group's funds. The main functions include internal fund

transfer, group payment service and collection convenience, break-even

investment, internal accounting, cash pooling inquiry and customized

information reporting services, making it flexibly adapted to different

organizational structures and management culture.

2. Bills

It is a

collection of bill pool accounts formed by the Group in the Bank of

Communications for bill custody, pledge custody and other services. Based on

this, Bank of Communications can provide centralized management of bill transactionNew Delhi Stock Exchange

information, allocation and transfer of pledged bill between members of the

Group, and loan, issuing bill, letters of credit, guarantees, and other financing

businesses on the pledged bill pool, so as to realize the sharing of customer

bill resources, and improve the management and use efficiency of bills.

3. Subledger

Account

Any number of virtual subledger accounts can be opened under the current

corporate account to handle related services such as payment and collection, so

that the Group’s demand for the collection clearing of

funds in the current corporate account can be realized and their internal

business needs for different management dimensions can be met.

5. BoCom e-Collection and Payment PlatformAgra Stock

As the modular and integrated collection

management platform provided to the corporate customers, it provides online

(offline) bank card acquiring services, direct debit and other collection services,Mumbai Investment

and can interface with the customer's mobile Internet platform. It also offers

the flexible reconciliation service to suit customers’ variable internal

organization structure and management dimensions.

Inter-bank Funds Management Platform

It is a comprehensive working capital management

platform that integrates ten functions realizing the management of account, cash,

bills, credit, budget, in-house banking, data analysis, so on and so forth. It

can fully satisfy the enterprises’ demands for liquidity, big data analysis and

process management, and it can provide interface with customer’s SAP, OA or HR

system.

7. Global

Cash Management

Global cash management refers to global

integrated services such as global account management, collection and payment

management, liquidity management, investment and financing management for

cross-currency, cross-bank and cross-border capital management needs of

multinational enterprises. The Group can enjoy the "one-stop"

financial service through the "one-point access" of the Bank of

Communications, easily realize timely and accurate grasp of global account and

transaction information strengthen group management and control, and reduce the

funding risk of cross-border business. The main services include SWIFT Net service,

foreign exchange cash pool, cross-border two-way RMB and foreign currencies cash

pool, centralized forex receipt and payment, and netting.

8. Corporate-oriented Financial Product

The Bank of Communications is one of the first

Chinese-funded commercial banks to conduct wealth management business. In 2005,

with the approval of the China Banking Regulatory Commission, BoCom was

qualified to carry out RMB wealth management business and officially provided

the corporate and private financial services. In December 2005, with the

approval of the Foreign Exchange Administration, BoCom obtained the

qualification of cross-finance business in the asset management category, the

second bank in the industry to obtain such qualifications. In March 2007, it

obtained the qualification of cross-finance business in debt management.

After years of development, BoCom has

developed a portfolio of corporate-oriented RMB wealth management products for

the corporate and institutional customers’ demands for diversified investment

and finance, and preservation and appreciation of assets. It has successively

launched a series of products such as “Win-to-Fortune·Lifetime Interest 365”,

an open-ended non-principal-guaranteed wealth management product consisting of

Win-to-Fortune·Lifetime Interest 365 and

Win-to-Fortune·Lifetime Interest 365 Plus, “Win-to-Fortune·Win Profit”,

a closed non-principal-guaranteed wealth management product with maturities for

7 days, 14 days, 28 days, 63 days, 91 days, 180 days, 365 days, and “Cash Profit”,

an open-ended net value product.

Kanpur Investment