Upon the appointment of a committee, the person or persons constituting such a committee (the “Members”) will provide a certificate to the Issuer and the Post-issuance Manager signed by the authorized representatives of the Members, and the Issuer and the Post-issuance Manager may rely upon the terms of such certificate.
The certificate shall certify:
(A) that the committee has been appointed;
(B) the identity of the initial Members; and
(C) that such appointment complies with the Terms.


Promptly after any change in the identity of the Members, a new certificate which each of the Issuer and the Post-issuance Manager may rely on conclusively, will be delivered to the Issuer and the Post-issuance Manager identifying the new Members. Each of the Issuer and the Post-issuance Manager will assume that the membership of the committee has not changed unless and until it has received a new certificate.


The provisions of Term (36)(h)(vi) shall apply, mutatis mutandis, to any steering group appointed in accordance with Term (36)(h)(iv) (Engagement with the committee and provision of information).


In appointing a person or persons as a committee to represent the interests of the Bondholders, the Bondholders may instruct a representative or representatives of the committee to form a separate committee or to join a steering group with any person or persons appointed for similar purposes by other affected series of debt securities.
(r) Bonds controlled by the Issuer:


For the purposes of (i) determining the right to attend and vote at any meeting of Bondholders, or the right to sign or confirm in writing, or authorize the signature of, any Written Resolution, and (ii) Term (35) (Events of Default; Events of Acceleration) and Term (36) (Meetings of Bondholders), any of this Series of the Bonds which are for the time being held by or on behalf of the Issuer or by or on behalf of any person which is owned or controlled directly or indirectly by the Issuer or by any public sector instrumentality of the Issuer, shall be disregarded and be deemed not to remain outstanding, where:


(i) “public sector instrumentality” means the National Bank of Hungary and any
department, ministry or agency of the government of Hungary or any corporation, trust, financial institution or other entity owned or controlled by the government of Hungary or any of the foregoing; and
(ii) “control” means the power, directly or indirectly, through the ownership of voting


securities or other ownership interests or through contractual control or otherwise, to direct the management of or elect or appoint a majority of the board of directors or other persons performing similar functions in lieu of, or in addition to, the board of directors of a corporation, trust, financial institution or other entity.


Any of this Series of the Bonds will also be deemed to be not outstanding if it has previously been cancelled or delivered for cancellation or held for reissuance but not reissued, or, where relevant, it has previously been called for redemption in accordance with its terms or previously become due and payable at maturity or otherwise and the Issuer has previously satisfied its obligations to make all payments due in respect of the Bond in accordance with its terms.


In advance of any meeting of Bondholders, or in connection with any Written Resolution, the
Issuer shall provide to the Post-issuance Manager a copy of the certificate prepared pursuant to paragraph (iv) (Certificate) of Term (36)(j) (Aggregation Agent;


Aggregation Procedures), which includes information on the total principal amount of Bonds which are for the time being held by or on behalf of the Issuer or by or on behalf of any person which is owned or controlled directly or indirectly by the Issuer or by any public sector instrumentality of the Issuer and, as such, such Bonds shall be disregarded and deemed not to remain outstanding for the purposes of ascertaining the right to attend and vote at any meeting of Bondholders or the right to sign, or authorize the signature of, any Written Resolution in respect of any such meeting


. The Post-issuance Manager shall make any such certificate available for inspection during normal business hours at their specified offices and, upon reasonable request, will allow copies of such certificate to be taken.
(s) Aggregation Agent; Aggregation Procedures
(i) Appointment: The Issuer will appoint an Aggregation Agent to calculate whether a


proposed modification or action has been approved by the required principal amount outstanding of this Series of the Bonds, and, in the case of a multiple series aggregation, by the required principal amount of outstanding debt securities of each affected series of debt securities.


In the case of a multiple series aggregation, the same person will be appointed as the Aggregation Agent for the proposed modification of any provision of, or any action in respect of, the Terms of this Series of the Bonds and the terms and conditions or bond documentation in respect of each other affected series of debt securities. The Aggregation Agent shall be independent of the Issuer.
(ii) Extraordinary Resolutions: If an Extraordinary Resolution has been proposed at a duly


convened meeting of Bondholders to modify any provision of, or action in respect of, the Terms or the terms and conditions of other affected series of debt securities, as the case may be, the Aggregation Agent will, as soon as practicable after the time the vote is cast, calculate whether holders of a sufficient portion of the aggregate principal amount of this Series of the Bonds then outstanding and, where relevant, each other affected series of debt securities, have voted in favor of the Extraordinary Resolution such that the Extraordinary Resolution is passed


. If so, the Aggregation Agent will determine that the Extraordinary Resolution has been duly passed.
(iii) Written Resolutions: If a Written Resolution has been proposed under Term (36) to


modify any provision of, or action in respect of, the Terms or the terms and conditions of other affected series of debt securities, as the case may be, the Aggregation Agent will, as soon as reasonably practicable after the relevant Written Resolution has been signed or confirmed in writing, calculate whether holders of a sufficient portion of the aggregate principal amount of this Series of the Bonds then outstanding and, where relevant, each other affected series of debt securities, have signed or confirmed in writing in favor of the Written Resolution such that the Written Resolution is approved


. If so, the Aggregation Agent will determine that the Written Resolution has been approved.
(iv) Certificate: For the purposes of paragraph (ii) (Extraordinary Resolutions) and paragraph


(iii) (Written Resolutions) of Term (36)(j), the Issuer will provide a certificate to the Aggregation Agent up to 3 days prior to, and in any case no later than, with respect to an Extraordinary Resolution, the date of the meeting referred to in paragraph (b) (Modification of this Series of the Bonds only) or paragraph (c) (Multiple Series Aggregation – Two limb voting) of Term (36) (Meetings of Bondholders), as applicable, and, with respect to a Written Resolution, the date arranged for the signing of the Written Resolution


.
The certificate shall:
(a) list the total principal amount of this Series of the Bonds and, in the case of a
multiple series aggregation, the total principal amount of each other affected series of debt securities outstanding on the record date; and
(b) clearly indicate this Series of the Bonds and, in the case of a multiple series


aggregation, debt securities of each other affected series of debt securities which shall be disregarded and deemed not to remain outstanding as a consequence of paragraph (i) (Bonds controlled by the Issuer) of Term (36) (Meetings of Bondholders) on the record date identifying the holders of this Series of the Bonds and, in the case of a multiple series aggregation, debt securities of each other affected series of debt securities.


The Aggregation Agent may rely upon the terms of any certificate, notice, communication or other document believed by it to be genuine.
(v) Notification: The Aggregation Agent will cause each determination made by it for the
purposes of Term (36)(j) (Aggregation Agent; Aggregation Procedures) to be notified to the Post-issuance Manager and the Issuer as soon as practicable after such determination. Notice thereof shall also promptly be given to the Bondholders.


(vi) Binding nature of determinations; no liability: All notifications, opinions, determinations, certificates, calculations, quotations and decisions given, expressed, made or obtained for


the purposes of Term (36)(j) (Aggregation Agent; Aggregation Procedures) by the Aggregation Agent and any appointed Calculation Agent will (in the absence of manifest error) be binding on the Issuer, the Post-issuance Manager, the Bondholders and (subject to as aforesaid) no liability to any such person will attach to the Aggregation Agent or the Calculation Agent in connection with the exercise or non-exercise by it of its powers, duties and discretions for such purposes.


(vii) Manner of publication: The Issuer will publish all notices and other matters required to
be published pursuant to the Terms including any matters required to be published pursuant to Term (36) (Meetings of Bondholders), including but not limited to, Term
(36)(j) (Aggregation Agent; Aggregation Procedures) and Term (36)(h) (Representative Committee of the Bondholders), and Term (35) (Events of Default, Events of Acceleration):


(a) on https://akk.hu; (b) through the website of the Custody Institution designated by PBOC (http://www.shclearing.com), China Money (http://www.chinamoney.com.cn), and
BFAE (http://www.cfae.cn/); and
(c) in such other places and in such other manner as may be required by applicable law or regulation.
SECTION 17: PARTIES INVOLVED IN THE OFFERING
1. Contact Information of the Issuer and other intermediaries relating to the Offering
Issuer
Hungary


Government Debt Management Agency Pte Ltd., Krisztina tér 2, H-1013, Budapest, Hungary
Contact : Capital Markets Department
Tel: +361 488 9428, +361 488 9432
Fax: +361 488 9425
E-mail: capital.markets@akk.hu
Lead Underwriter and Bookrunner Bank of China Limited
Address: No. 1, Fuxingmen Nei Dajie, Xicheng District, Beijing, China
Zip Code: 100818
Legal Representative: Liange Liu (刘连舸) Contact: Runkai Liu, Jiasheng Xu
Tel: +86 10 6659 4835, +86 10 6659 5027
Fax: +86 10 6659 2730, +86 10 6659 1706


Other Underwriters China Construction Bank Corporation
Address: 1-1, Naoshikou Street, Xicheng District, Beijing, China Zip Code: 100033
Legal Representative: Guoli Tian (田国立) Contact: Peng Zhou
Tel: +86 10 6759 6478
Fax: +86 10 6627 5840
China International Capital Corporation Limited
Address: 27/F and 28/F, Tower 2, China World Trade Center, No. 1 Jianguomenwai Avenue, Chaoyang District, Beijing, China
Zip Code: 100004
Legal Representative: Rujun Shen (沈如军)
Contact: Daming Cheng
Tel: +86 10 6505 1166


Fax: +86 10 6505 1156
China Merchants Securities Co., Ltd.
Address: 17 th Floor BLDG#3, No. 1 Yuetan South Street, Xicheng District, Beijing, China
Zip Code: 100045
Legal Representative: Da Huo (霍达) Contact: Feifan Wu
Tel: +86 10 6084 0908
Fax: +86 10 5778 3018
China Securities Co., Ltd.
Address: 188 Chaonei Street, Dongcheng District, Beijing, China Zip Code: 100010
Legal Representative: Changqing Wang (王常青) Contact Persons: Chen Peng
Tel: +86 1850 0021 760
Fax: +86 10 8515 6359
CITIC Securities Co., Ltd.


Address: No. 48 Liangmaqiao Road, Chaoyang District, Beijing, China
Zip Code: 100026
Legal Representative: Youjun Zhang (张佑君)
Contact: Han Li
Tel: +86 10 6083 7340
Fax: +86 10 6083 6294
Credit Agricole Corporate and Investment Bank (China) Limited
Address: 12F, Office Tower 2, Plaza 66, N 1266 Nan Jing Xi Road, Jingan District, Shanghai, China
Zip Code: 200040
Legal Representative: Nicolas VIX
Contact: Elaine Shen
Tel: +86 21 3856 6971
Fax: +86 10 5651 4001


[Fax: +86 10 5651 4001
2. Potential Conflicts of Interest Between the Issuer and the Lead Underwriter]


"":""
"First Capital Securities Co., Ltd":"Address: Investment Bank Building, No. 115, Fuhua Road One, Futian District, Shenzhen, Guangdong Province, China"
"":""
"First Capital Securities Co., Ltd":"Zip Code: 518046"
"":""
"First Capital Securities Co., Ltd":"Legal Representative: Xuemin Liu (刘学民)"
"":""
"First Capital Securities Co., Ltd":"Contact: Zhuoyang Liu"
"":""
"First Capital Securities Co., Ltd":"Tel: +86 755 2383 8659"
"":""
"First Capital Securities Co., Ltd":"Fax: +86 755 2583 2940"


"":""
"First Capital Securities Co., Ltd":"Industrial and Commercial Bank of China Limited"


"":""
"First Capital Securities Co., Ltd":"Address: No. 55, Fuxingmen Nei Dajie, Xicheng District, Beijing, China"
"":""
"First Capital Securities Co., Ltd":"Zip Code: 100140"
"":""
"First Capital Securities Co., Ltd":"Legal Representative: Siqing Chen (陈四清)"
"":""
"First Capital Securities Co., Ltd":"Contact: Shiyue He, Zetong Chen"


"":""
"First Capital Securities Co., Ltd":"Address: No.19 Taipingqiao Ave., Xicheng District, Beijing, China Zip Code: 100033"


"":""
"First Capital Securities Co., Ltd":"Legal Representative: Yucheng Yang (杨玉成)"
"":""
"First Capital Securities Co., Ltd":"Contact: Xin Zhou"
"":""
"First Capital Securities Co., Ltd":"Tel: +86 10 8801 3981"
"":""
"First Capital Securities Co., Ltd":"Fax: +86 10 8808 5135"
"":"Issuer’s PRC Counsel"
"First Capital Securities Co., Ltd":"Fangda Partners"


Address: 24/F, HKRI Centre Two, HKRI Taikoo Hui, 288 Shi Men Yi Road, Shanghai, China
Zip Code: 200041
Contact: Christine Chen
Tel: +86 21 2208 1166
Fax: +86 21 5298 5599


"":"Issuer’s Hungarian Counsel"
"First Capital Securities Co., Ltd":"Dr. Zsolt Szita Law Office"
Address: H-1011 Budapest, Markovits I. u. 4. mfszt. 3. Hungary
Contact: Dr. Zsolt Szita
Tel: +36 1 787-5489
Fax: +36 1 784-6782


"":""
"First Capital Securities Co., Ltd":"Address: 17/F, PICC Building, 2 Jianguomenwai Street, Chaoyang District, Beijing, China"
Zip Code: 100022
Contact: Zeyu Cheng, Min Zhang
Tel: +86 10 8567 9696
Fax: +86 10 8567 9228


"":"Third Party Certification Institution"
"First Capital Securities Co., Ltd":"China Lianhe Equator Environmental Impact Assessment Co.,"
Ltd.
Address: 80 Qufu Road, Heping District, Tianjin, China
Zip Code: 300042
Contact: Sibo Liu
Tel: +86 22 5835 6881


"":"The Bonds Registration and Custody Institution"
"First Capital Securities Co., Ltd":"Fax: +86 22 5835 6969"


Interbank Market Clearing House Co., Ltd. Address: No. 2, Beijing East Road, Huangpu District, Shanghai, China
Zip Code: 200002
Legal Representative: Zhen Xu
Contact: Issuance Department
Tel: +86 21 2319 8888
Fax: +86 21 2319 8866


"":"Technology Supporting"
"First Capital Securities Co., Ltd":"Beijing Financial Asset Exchange"


"":"Institution for Central Bookbuilding"
"First Capital Securities Co., Ltd":"Address: No. 17B Finance Street, Xicheng District, Beijing, China"
Zip Code: 100032
Legal Representative: Guo Bing
Contact: Issuing Department
Tel: +86 10 5789 6722; +86 10 5789 6516
Fax: +86 10 5789 6726
2. Potential Conflicts of Interest Between the Issuer and the Lead Underwriter


The Lead Underwriter and its affiliates are full service financial institutions engaged in various activities which may include securities trading, commercial and investment banking, financial advice, investment management, principal investment, hedging, financing and brokerage activities. The Lead Underwriter may have engaged in, and may in the future engage in, investment banking and other commercial dealings in the ordinary course of business with the Issuer from time to time. In the ordinary course of their various business activities, the Lead Underwriter and its affiliates may make or hold (on their own account, on behalf of clients or in their capacity of investment advisers) a broad array of investments and actively trade debt and equity securities (or related derivative securities) and


financial instruments (including bank loans) for their own account and for the accounts of their customers and may at any time hold long and short positions in such securities and instruments and enter into other transactions, including credit derivatives (such as asset swaps, repackaging and credit default swaps) in relation thereto.


Such transactions, investments and securities activities may involve securities and instruments of the Issuer including this Series of the Bonds, may be entered into at the same time or proximate to offers and sales of this Series of the Bonds or at other times in the secondary market and be carried out with counterparties that are also purchasers, holders or sellers of this Series of the Bonds.


This Series of the Bonds may be purchased by or be allocated to the Lead Underwriter or an affiliate for asset management and/or proprietary purposes but not with a view to distribution.
SECTION 18: DOCUMENTS AVAILABLE FOR INSPECTION
1. Documents Available for Inspection
(1) Notice of Acceptance of Registration issued by NAFMII (NAFMII Registration No. [2021] RB1) ;
(2) A copy of the internal authorization document;


(3) A copy of the legal opinion of Dr. Zsolt Szita Law Office in relation to the issuance of this Series of the Bonds (English version with Chinese translation);
(4) A copy of the legal opinion of Fangda Partners in relation to the issuance of this Series of the Bonds;
(5) a copy of the Green Bond Framework of the Issuer (English version with Chinese translation);
(6) a copy of the Second Party Opinion (English version with Chinese translation);
(7) a copy of the Third Party Certification Report;


(8) a copy of the credit rating report issued by the Credit Rating Agency for this Series of the Bonds; and
(9) principal economic data of the Issuer.
2. Address for Keeping the Documents
[2. Address for Keeping the Documents
Investors may also access to the full text of this Offering Circular and the documents mentioned above on the following websites:]


"Issuer":"Address:"
"Hungary":"Government Debt Management Agency Pte Ltd., Krisztina tér 2,"


"Issuer":"Contact:"
"Hungary":"Government Debt Management Agency Pte Ltd (ÁKK Zrt.) Capital Markets Department"
"Issuer":"Tel:"
"Hungary":"+361 488 9428, +361 488 9432"
"Issuer":"Fax:"
"Hungary":"+361 488 9425"
E-mail: capital.markets@akk.hu
"Issuer":"Lead Underwriter and"
"Hungary":"Bank of China Limited"
Bookrunner:


"Issuer":"Address:"
"Hungary":"No. 1, Fuxingmen Nei Dajie, Xicheng District, Beijing, China"
"Issuer":"Zip Code:"
"Hungary":"100818"
"Issuer":"Legal Representative:"
"Hungary":"Liange Liu"
"Issuer":"Contact:"
"Hungary":"Runkai Liu, Jiasheng Xu"
"Issuer":"Tel:"
"Hungary":"+86 10 6659 4835, +86 10 6659 5027"
"Issuer":"Fax:"
"Hungary":"+86 10 6659 2730, +86 10 6659 1706"
Investors may also access to the full text of this Offering Circular and the documents mentioned above on the following websites:


[http://www.shclearing.com http://www.chinamoney.com.cn http://www.cfae.cn Investors who have any questions regarding this Offering Circular and the above-mentioned documents on record should consult their own securities brokers, legal advisors, accountants or other professional advisors.]Represented by Government Debt Private Agency Management Company Limited by Shares MANAGEMENT AGENCY DEBT GOVERNMENT AIKIK BY SHARES PRIVATE COMPANY By: 7. LIMITED Zoltan Kurali Name: Chief Executive Officer Title: of Government Debt Agency Management Private Company Limited by Shares Date: 10 December 2021


亚洲基础设施投资银行 2023年第一期人民币债券(可持续发展债券)(债券通) 申购区间与申购提示性说明 (简称“申购说明”)
Asian Infrastructure Investment Bank 2023 Renminbi Bonds (Series 1) (Sustainable Development Bonds) (Bond Connect) Subscription Range and Subscription Indicative Statement (the “Terms of Subscription”)
一、重要提示
Important Notice
1、经中国银行间市场交易商协会中市协注〔2022〕RB1号文件批准，亚洲基 础设施投资银行将在全国银行间债券市场公开发行“亚洲基础设施投资银行 2023 年第一期人民币债券(可持续发展债券)(债券通)”(以下简称“本期债券”)。


Based on the approval through the National Association of Financial Market Institutional Investors NAFMII Registration No. [2022] RB1, Asian Infrastructure Investment Bank will issue the bonds “Asian Infrastructure Investment Bank 2023 Renminbi Bonds (Series 1) (Sustainable Development Bonds) (Bond Connect)” (“the Bonds”) in the China Interbank Bond Market.


2、本次发行采用主承销方簿记建档、集中配售、指定账户收款的方式。中 国银行股份有限公司作为牵头主承销商，中国农业银行股份有限公司、中国工商 银行股份有限公司、中国建设银行股份有限公司、中信证券股份有限公司、星展 银行（中国）有限公司作为联席主承销商(与主承销商合称为“主承销方”) ， 组织承销团承销本期债券，中国银行股份有限公司作为簿记管理人负责簿记建档 工作。


The issuance will be through bookbuilding, centralized allocation and settlement to designated accounts by the lead underwriting parties. Bank of China Limited, as the Lead Underwriter, and Agricultural Bank of China Limited, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, CITIC Securities Co.


,Ltd, DBS Bank (China) Limited as the Joint Lead Underwriter (collectively with Lead Underwriter as the Lead Underwriting Parties), will organize the syndicate for underwriting the Bonds. Bank of China
Limited, as the Bookrunner, is in charge of bookbuilding.
3、本期债券申购期间为 2023年 4月 24日 9:00至 18:00时。各承销商请详 细阅读本《申购说明》。
The subscription period for the Bonds is from 9:00 am to 6:00 pm on April 24, 2023. Each underwriter shall carefully read this Terms of Subscription.


4、本期债券的发行规模为人民币 15亿元，期限 5年。每家承销商基本承销 额/。
The issuance amount of the Bonds is RMB1.5 billion with a tenor of 5 years. The basic subscription amount of each underwriter is /.
5、本期债券按面值发行，申购利率区间为 2.7% -3.3%。填写申购利率时按 由低到高的顺序填写,申购利率的最小报价单位为 0.01%。
The Bonds will be issued at par. The subscription coupon rate range is 2.7% -3.3%. Subscription coupon rates shall be provided in the order from the lowest to the highest with the smallest coupon rate quotation unit of 0.01%.
6、承销商提交的簿记申购金额为实际需求金额。


The bookbuilding subscription amount provided by each underwriter should be its actual order amount.
7、在本《申购说明》中，工作日是指中国北京的商业银行可以开展对公业 务，并且托管机构可以进行债券交易、清算和结算业务的任何营业日。
Business days specified in the Terms of Subscription shall mean a day on which commercial banks in Beijing, China are open for corporate business and the Custody Institution is open for trading, clearing and settlement of bonds.
8、本次簿记建档仅接收承销商的《申购要约》。其他投资者请通过承销商购 买本期债券。


During bookbuilding, only Subscription Orders submitted by underwriters shall be accepted. Other investors shall subscribe for the Bonds through the underwriters.
9、本次簿记建档截止后将停止接收承销商的《申购要约》，敬请留意。 Please note that after the bookbuilding ends, no more Subscription Orders shall be accepted.
二、本期债券主要条款
Key Terms of the Bonds
1、债务融资工具名称：亚洲基础设施投资银行 2023年第一期人民币债券（可 持续发展债券）（债券通）。
Debt Financing Instrument Name: “2023 Renminbi Bonds (Series 1) (Sustainable
Development Bonds) (Bond Connect)”
2、计划发行规模：15亿元。


Planned issuance amount: RMB 1.5 billion
3、期限：5年。
Tenor: 5 years
4、价格/价格区间:100。
Price/Price Range: 100.
5、利率/利率区间:2.7% 3.3%。
Coupon/Coupon Rate Range: 2.7% 3.3%.
6、债券面值：人民币 100 元。
Face Amount: RMB 100 (one hundred) per Bond
7、发行日期：2023年 4月 24日至 2023年 4月 24日。
Offering Date: April 24, 2023 to April 24, 2023
8、分销日期：2023年 4月 24日至 2023年 4月 26日。
Distribution Dates: April 24, 2023 to April 26, 2023
9、缴款日期：2023年 4月 26日。
Payment Date: April 26, 2023
10、上市日期：2023年 4月 27日。
Trading Date: April 27, 2023


11、兑付日期：2028年 4月 26日(如遇法定节假日或休息日顺延至其后的第 一个工作日,兑付款项不另计息)。
Maturity Date: April 26, 2028 (if the Maturity Date falls on a Saturday or a Sunday or a public holiday, it will be postponed to the next Business day. No additional interest shall be accrued).
12、付息日期：2024年 4月 26日,2025年 4月 26日,2026年 4月 26日，2027 年 4月 26日，2028年 4月 26日（如遇法定节假日或休息日顺延至下一工作日， 顺延期间不另计息）。


Interest Payment Dates: 26 April 2024, 26 April 2025, 26 April 2026, 26 April 2027 and 26 April 2028. If the Interest Payment Date falls on a day that is not a Business Day, it will be postponed to the next Business Day. Additional interest will not be paid as a result of each such postponed payment.
13、本期债券的承销团销售佣金费率不低于 0.10%。
The syndicate members’ sales commission rate for the Bonds shall be no less than 0.10%.
14、债券评级：本期债券并未经任何中国信用评级机构评级。


Rating: the Bonds have not been rated by any rating agencies in the PRC.
15、登记托管形式：本期债券采用实名制记账式，在银行间市场清算所股份 有限公司统一托管。
Registration and Custody Arrangements: The Bonds will be issued in real name book-entry form and will be held in custody with the Shanghai Clearing House.
16、付息及兑付方式：本期债券的利息支付及到期兑付事宜按托管机构的有 关规定执行，由登记托管机构代理完成利息支付及本金兑付工作。


Payment of interest and repayment of principal: payments of interest and repayment of principal at maturity shall be administered in accordance with relevant rules of the Registration and Custodian Institution. Relevant payments shall be administered by the Registration and Custodian Institution on behalf of the Issuer.
三、 申购区间
Subscription Range
本期债券申购利率区间确定为 2.7% 3.3%。
The subscription coupon rate range for the Bonds is 2.7% 3.3%.
四、 申购时间
Subscription Period


本期债券申购期间为 2023年 4月 24日 9:00至 18:00时。承销商须在上述 规定的申购期间内通过集中簿记建档系统向簿记管理人提交《亚洲基础设施投资 银行2023年第一期人民币债券(可持续发展债券)(债券通)申购要约》(简称“《申 购要约》”)，申购时间以在集中簿记建档系统中将《申购要约》提交至簿记管 理人的时间为准。


The subscription period for the Bonds is from 9:00 am to 6:00 pm on April 24, 2023. Each Underwriter shall submit a “Subscription Order for the Asian Infrastructure Investment Bank 2023 Renminbi Bonds (Series 1) (Sustainable Development Bonds) (Bond Connect)” (each as a “Subscription Order”) to the Bookrunner within the subscription period via the Non-financial Enterprises Debt Financing Instruments Centralized Book Building System.


The subscription time should be the time at which the Subscription Order is received by the bookbuilding department of the Bookrunner via the Non-financial Enterprises Debt Financing Instruments Centralized Book Building System .
本期债券发行过程中存在延长簿记建档时间的可能。发行人承诺延长前会预 10
先进行充分披露，每次延长时间不低于 1小时，且延长后的簿记截止时间不晚于 簿记截止日 20:00。特殊情况下，延长后的簿记截止时间不晚于簿记截止日次一 工作日 11:00。


The bookbuilding period for the Bonds may be extended during the issuance process. The Issuer undertakes to make full disclosure before making such extension, which shall be no less than one hour each time, and the bookbuilding period shall not be extended beyond 20:00 on the date when bookbuilding ends. Under special circumstances, the extended bookbuilding period can be extended no later than 11:00 am on the next business day following the close of bookbuilding.
五、 申购程序
Subscription Process


1、承销商按本《申购说明》的具体要求，正确填写《申购要约》，并在本《申 购说明》要求的时间内，通过集中簿记建档系统向簿记管理人提交《申购要约》。
Underwriters shall fill in Subscription Orders based on this Terms of Subscription and submit Subscription Orders to the Bookrunner within the timeframe indicated in this Terms of Subscription via the Non-financial Enterprises Debt Financing Instruments Centralized Book Building System.
2、各承销商应根据自己的判断，在本说明前述规定的申购利率区间内自行 确定申购价位，每家承销商可报出不超过【20】个意愿申购价位及相应的申购金 额。每个价位所对应的申购金额即为该成员在该价位愿意投资的需求，所有价位 的申购金额及最低承销额之和为该承销商愿意投资的总需求。


Each underwriter shall, based on its own judgment, determine the subscription coupon rates within the subscription coupon rate range stated in the aforementioned terms, and each underwriter may quote no more than [20] subscription coupon rates with the corresponding subscription amounts.


The subscription amount at each subscription coupon rate shall correspond to the amount at which the underwriter is willing to purchase at that coupon rate, and the total sum of all the subscription amounts at different subscription coupon rates and the minimum underwriting commitment amount of the underwriter shall correspond to the total sum that such underwriter is willing to purchase.
3、对于本期债券，每个承销商申购总金额下限为人民币 10,000,000元(含)， 且必须是人民币 10,000,000元的整数倍。


For the Bonds, the minimum amount of each underwriter's subscription is RMB10,000,000 (inclusive), and must be an integral multiple of RMB 10,000,000.
4、每家承销商在申购期间内可以且仅可以向簿记管理人提交一份《申购要 约》。
Each underwriter can and shall only submit one (1) Subscription Order to the Bookrunner during the subscription period.
六、 确定发行规模
Confirmation of Issuance Amount


簿记管理人根据收到的《申购要约》进行簿记建档，统计有效申购要约的数 量。根据簿记建档等情况，发行方与主承销方协商确定本期债券的发行规模，并 在登记托管机构网站(□中国债券信息网，■上海清算所网站)和中国货币网上刊 登的《亚洲基础设施投资银行 2023年第一期人民币债券(可持续发展债券)(债券 通)发行情况公告》中予以公布。
The Bookrunner shall conduct bookbuilding based on Subscription Orders received, and calculate the amount of Valid Subscription Orders.


Based on the results of bookbuilding, the Issuer and the Lead Underwriting Parties will determine the size of the Bonds, and publish the “Asian Infrastructure Investment Bank 2023 Renminbi Bonds (Series 1) (Sustainable Development Bonds) (Bond Connect) Issue Outcome Announcement” on the websites of the Registration & Custodian Institution (□ ChinaBond, ■ Shanghai Clearing House) and Chinamoney.
七、债务融资工具定价
Pricing of the Bonds
本期债券定价原则及方式如下：


Pricing of the Bonds will follow these methods and principles:
■方式一：
Method 1:
1、足额或超募的定价
Sufficient or over-subscription
申购时间截止后，簿记管理人将全部有效申购单按申购利率由低到高逐一排 列，取募满簿记建档总额对应的申购利率作为最终发行利率。
Upon the expiration of the subscription period, the Bookrunner will list all Valid Subscription Orders in the order of the lowest to the highest subscription coupon rate, and determine the final coupon rate as the subscription coupon rate at which the sum of Subscription Orders equals the issuance amount.
2、认购不足的定价


Under-subscription
簿记建档中，如出现全部有效申购额小于发行额的情况，可分如下情形处理： During bookbuilding, if the total amount of Valid Subscription Orders is less than the issuance amount, the following actions may be taken:
（一）对于以余额包销方式承销的，原则上应取利率区间上限为最终发行利 率；
For bookbuilding with standby underwriting commitments, in principle the high end of the coupon rate range shall be the final coupon rate;
（二）对于以代销方式承销的，原则上应取有效申购单的最高利率为最终发 行利率。


For bookbuilding on the best efforts basis, in principle the highest subscription coupon rate in the Valid Subscription Orders shall be the final coupon rate.
□方式二：
Method 2:
八、债务融资工具配售与缴款
Allocation and Settlement of the Bonds
1、定义：
Definitions:
（1）有效申购要约：在最终确定的发行利率以下(含)仍有申购数量的符合 簿记管理人格式要求的，于规定截止时间前通过集中簿记建档系统发送至簿记管 理人处，其申购价位位于本《申购说明》所确定的申购区间内，且其他内容亦符 合本《申购说明》要求的《申购要约》。


Valid Subscription Order: shall mean a Subscription Order with a subscription coupon rate within the subscription coupon rate range set forth in this Terms of Subscription with subscription amount(s) at or below the final coupon rate, which is submitted in the form required by the Bookrunner before the cut-off time via the Non-financial Enterprises Debt Financing Instruments


Centralized Book Building System to the bookbuilding department of the Bookrunner, and which meets other requirements under this Terms of Subscription with regard to other contents thereof.
（2）有效申购金额：每一有效申购要约中在最终确定的发行利率以下(含) 的申购数量总和。
Valid Subscription Amount: shall mean the total subscription amount in each Subscription Order at or below the final coupon rate.
（3）有效申购总金额：所有有效申购要约的本期债券申购金额总和。 Total Valid Subscription Amount: shall mean the total sum of all Valid Subscription Amounts for the Bonds.


2、配售原则：
Principles of Allocation:
本期债券按照如下原则及方式进行配售：
Allocation of the Bonds will follow these methods and principles:
■方式一：
Method 1:
（1）如簿记区间内的有效申购总金额低于或者等于簿记建档总额，全部有 效申购获得全额配售；
If the Total Valid Subscription Amount is equal to or less than the total bookbuilding amount, all the Valid Subscription Orders shall receive allocations.
（2）如簿记区间内的有效申购总金额超过簿记建档总额，则对发行利率以 下的全部有效申购进行全额配售，对等于发行利率的有效申购进行按比例配售。


If the Total Valid Subscription Amount is greater than the bookbuilding amount, all the Valid Subscription Orders below the final coupon rate should receive allocations in full, and the Subscription Orders at the final coupon rate should receive pro rata allocations proportionate to the respective subscription amount.
（3）配售调整情况
Allocation Adjustments:
簿记管理人应当对配售情况进行核查。对有下列情形之一的，经簿记管理人 团队议定，可对配售结果进行适当调整，并做好相关记录；


The Bookrunner shall verify the status of allocations. Under the below circumstances, the
allocation results can be adjusted after discussion within the Bookrunner team and relevant records shall be retained:
a.对主承销方和承销团成员设有基本承销额的，须满足对基本承销额的配售 (如有)；
The Lead Underwriting Parties and the syndicate members who have committed hard underwriting amounts should fulfil such hard underwriting commitments (if any).
b.对有效申购总金额超过簿记建档总额的，若按比例配售导致出现某配售对 象边际上的获配量小于 1000万元的情况，经与其协商，可整量配售或不配售。


Where the Total Valid Subscription Amount exceeds the total bookbuilding amount, for underwriters who are allocated with a pro rata amount which is less than RMB10 million, such pro rata allocation amount can be adjusted to RMB10 million or discarded after discussion with the relevant underwriter.
□方式二：
Method 2:
______________________________________________________
3、缴款办法：
Settlement method:


簿记管理人中国银行股份有限公司将于 2023年 4月 24日将《亚洲基础设施 投资银行 2023年第一期人民币债券（可持续发展债券）（债券通）配售确认及缴 款通知书》（以下简称“《配售确认及缴款通知书》”）通过集中簿记建档系统发送， 通知各承销商获配当期债务融资工具面值金额和需缴纳的认购款金额、付款日期、 划款账户等，承销商应按照《配售确认及缴款通知书》要求，于缴款日（2023 年 4月 26日）11时前足额将认购款项划至簿记管理人指定的账户。


The Bookrunner, Bank of China Limited, shall notify the underwriters in writing, by delivering the “Republic of the Asian Infrastructure Investment Bank 2023 Renminbi Bonds (Series 1) (Sustainable Development Bonds) (Bond Connect) Allocation Confirmation and Payment Notice” (the “Allocation & Payment Notice”) via the Non-financial Enterprises Debt Financing Instruments Centralized Book Building System on 24 April 2023, of their respective allocations of the face amount of the Bonds and the required subscription amount to be paid, the 10


payment date, the settlement account, etc. Each underwriter shall, as required under the
Allocation & Payment Notice, deliver its subscription amount to the settlement account designated by the Bookrunner before 11 am of the payment date, 26 April 2023.
九、簿记管理人联系方式
Contact information of the Bookrunner
1、簿记管理人联系方式
Contact information of the Bookrunner
名 称 中国银行股份有限公司 地 址 北京市复兴门内大街 1 号 邮编 100818 联系人 徐家盛
电 话 +86 010-66595027 传 真 +86 010-66591706


[电 话 +86 010-66595027 传 真 +86 010-66591706
2、簿记管理人指定缴款账户： Information of the account designated by the Bookrunner]

Address No1 Fuxingmen Nei Dajie, Beijing ZIP code 100818

"Name":"Contact Person"
"Bank of China Limited":"Jiasheng Xu"

"Name":"Telephone"
"Bank of China Limited":"+86 010-66595027"

"Name":"Facsimile"
"Bank of China Limited":"+86 010-66591706"
2、簿记管理人指定缴款账户： Information of the account designated by the Bookrunner


[2、簿记管理人指定缴款账户： Information of the account designated by the Bookrunner
Account Name	Head Office of Bank of China Limited
Account No.	110400393
Account Bank	Head Office of Bank of China Limited
CNAPS Code	104100000004
]


[户名	中国银行总行
账号	110400393
开户行	中国银行总行
大额支付系统号	104100000004
各承销商应就其认购本期债券的有关事宜咨询其法律顾问及其他有关专业 人士，并对其认购本期债券的合法、合规性自行承担责任。]


"Account Name":"Account No."
"Head Office of Bank of China Limited":"110400393"
"Account Name":"Account Bank"
"Head Office of Bank of China Limited":"Head Office of Bank of China Limited"
"Account Name":"CNAPS Code"
"Head Office of Bank of China Limited":"104100000004"
各承销商应就其认购本期债券的有关事宜咨询其法律顾问及其他有关专业 人士，并对其认购本期债券的合法、合规性自行承担责任。


[Each underwriter shall consult its own legal counsel and other relevant advisers, and assume responsibilities for the legitimacy and compliance with relevant rules and regulations in its subscription for the Bonds.
NOTICE ON ENGLISH TERMS]银行股 Bookronner. Bank of China Limited (Authorized Signature or Company Chop) 业务专用章 (投资银行 parem/April21 ,2023 0079597


THE ENGLISH TERMS HEREIN:
1. IS ONLY PROVIDED FOR THE EASE OF YOUR REFERENCE;
2. IS OF NO LEGAL EFFECT;
3. IS NEITHER REVIEWED NOR APPROVED BY ANY REGULATORY AUTHORITY (WHETHER IN THE PEOPLE’S REPUBLIC OF CHINA OR ELSEWHERE);
4. MUST NOT BE RELIED UPON IN MAKING ANY DECISION OR TAKING ANY ACTION OTHER THAN AS A REFERENCE ONLY AS TO THE CONTENTS OF ITS CHINESE VERSION.


THE CHINESE VERSION OF THE TERMS OF SUBSCRIPTION PREVAILS OVER THE ENGLISH VERSION FOR ALL PURPOSES AND IN ALL CIRCUMSTANCES (WHETHER OR NOT THE CHINESE VERSION AND THE ENGLISH VERSION ARE INCONSISTENT).
NEITHER THE ISSUER NOR THE LEAD UNDERWRITING PARTIES MAKE ANY REPRESENTATION OR WARRANTY AS TO THE TRUTHFULNESS OR ACCURACY OF THE ENGLISH TERMS.


TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE ISSUER AND THE LEAD UNDERWRITING PARTIES DISCLAIMS ALL LIABILITY FOR ANY ERRORS, OMISSIONS, DEFECTS OR MISREPRESENTATIONS IN, OR FOR ANY LOSSES OR DAMAGES (WHETHER DIRECT OR INDIRECT, AND HOWSOEVER CAUSED) BY ANY PERSON WHO USES OR RELIES ON ANY INFORMATION CONTAINED IN THE ENGLISH VERSION OF THE TERMS OF SUBSCRIPTION.


ANY RECIPIENT OF THE ENGLISH VERSION ACKNOWLEDGES AND AGREES TO THE TERMS OF THIS IMPORTANT NOTICE AND AGREES NOT TO MAKE ANY CLAIM NOR TAKE ANY ACTION OR PROCEEDING AGAINST THE ISSUER OR THE LEAD UNDERWRITING PARTIES IN RESPECT OF THE ENGLISH VERSION.


金华银行股份有限公司 2023年二级资本债券 发行情况公告
金华银行股份有限公司于 2023 年 4 月 25 日发行“金华银行股份有限公司 2023年二级资本债券”。现将发行结果公告如下：
债券名称
债券简称
债券代码
计息方式
计划发行总额 发行价格
票面利率
主承销商
金华银行股份有限公司 2023年二级资本债券 23金华银行二级资本债 01
232380019 债券期限 5+5年期 固定利率 簿记建档日 2023年 4月 25日 3亿元 实际发行总额 100亿元 100元/百元面值 起息日 2023年 4月 27日 4.80%
[中国国际金融股份有限公司]行股份有限 金华银行股份有限公司 2023年4月26日


中國內地人士核保指引
以下的指引適用於受保人 及/或 投保人為中華人民共和國公民並現居住於中國內地的投保申請。
1. 申請程序
[1. 申請程序
2. 投保指引]


1.2 投保人必须在中國香港特别行政區署投保申請書。 投保申请書的署日期必须是受保人/投保人署投保申請書的真確日期,不允許作任何更改。 中国身分碼及旅游件/入境許可证的碼須保申書上報。如受保人為未十八之兒童·亦需投保申請書上申報兒童受保人的出生 證明書/中國身分證的號碼。 必须遞交中國身分證副本。 中國香港特别行政區或中国内地的通讯地址均可接受,通訊地址必须完熬及淮確以 免郵遮误投 若以中国大陸地址为通讯地址·必须提供郵政编号


1.3 投保人必須填写及簽署「重要資料聲明書-内地人士在港投購人身/壽險保單」(IFS-MP) 投保人須於IFS-MP首頁寫上基本計划的产品名稱及申請書編號 投保人須於IFS-MP的每一頁上簽署確認


1.4 中国地人士如欲向公司申请投保,受保人/投保人必須公司客户服務中心辦理核實投保文件程序。 公司客户服務中心: 理财問/保險代理/銷售人员必須親自陪同投保人及/或受保人親尖沙咀廣東道21號海港城港威大厦英国保誠大8(PT)的客户服務中心辦理核 实投保文件程序。 有關中国内地人士投保申請的核實文件程序·請参阅附件一· 中國内地人士核實投保文件的準則,請参閱附件二


1.5 2受保人及/或投保人必须出示整套有效旅游证名文件正本及入境許可證正本(註:她 受保人为未满十八歲之兒童·必须同時提供 受保人的出生缭明或戶口无 或公證書*·以確定準受保人與投保人的关)·以供客戶服務主任同事核實 须源交一份「表格M1A:投保申请聲明害書 ((附件三)·由受保人、投保人及理財到问/保險代理/ 售人员一同填写及簽署业由客户服务主任核宝簽署 *注意: 该「公證書」須經中华人民共和国外交部或其授权机横确识⑤ 1. 2.客人应前往公证书发發地所在省分的外交部外事办公室辦理尔事认证申 3.辦理领事認證的詳情及各外事辦公室的聯繁方式請参閱中國领事服務網。 http://cs.mfa.gov.cn/zlbg/bgzl/qzrz/t907512.shtml
2. 投保指引
2.1壽險 / 基本計劃


[2.1壽險 / 基本計劃
2.1.1接受申請的壽險/基本計劃]
"":"全職成年人士"
"投保額指引":"一般情況下，少於 1,500,000 美元投保額 (以個人總投保額計) 的投保申請均無須提供特定的財務証明。本公司將保留 權利，視乎客人申報的職業及收入，而要求更多的財務証明。"


"":"家庭主婦 / 全日制學生(年滿十八歲) / 兒 童(未滿十八歲)"
"投保額指引":"➢ 一般情況下，少於 500,000 美元投保額 (以個人總投保額計) 的投保申請均無須提供特定的財務証明。 ➢ 如投保額超過 500,000 美元 (以個人總投保額計) ，最高投保額會以下列考慮因素: •100% 配偶/父母於保誠的壽險保險保障額，上限為3,000,000美元。 •75% 配偶/父母於其他保險公司的壽險保險保障額，上限為1,500,000美元。"
2.1.1接受申請的壽險/基本計劃


[2.1.1接受申請的壽險/基本計劃
[20230707]]
"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"美好人生保障計劃 II 註一(PLP2/PLP2H/PLP2SP/PLP2SPH)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"醫療加倍保 (PMP)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"特級「雋陞」儲蓄保障計劃 II (EGSP2/EGSP2H/EGSP2R EGSP2SP/EGSP2SPH/EGSP2SPR)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"特選危疾治療保 (CPE)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"「鴻圖駿境」投資計劃 (PCI)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"癌症痊癒保 (CRC)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"「雋景」組合投資計劃 (PPI)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"「快享錢」儲蓄保障計劃 註二 (PC)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"「雋景」整付保費投資計劃 (PSPI)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"尊尚雋譽終身壽險計劃 (PWSP)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"「寫意人生」入息計劃 (P1RI)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"「童創未來」教育儲蓄保（PHD） 「童創未來」夢想儲蓄保（PHD1）"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"「息享人生」儲蓄保障計劃 (PLCS)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"保誠「雋逸人生」延期年金計劃 (PRDA)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"危疾加護保 III (CIE3/CIE3H)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"雋寶傳承保障計劃 (EGP)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"危疾首護保 II 註三 (CIP2/CIP2H)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"雋賦投資計劃 (PEPI)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"「自主未來」保障計劃註三 (LFREE/LFREESP)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"「自主健康」危疾保註三 (ECI)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"雋富多元貨幣計劃 (EGC/EGCH/EGCR/EGCA/EGCC/EGCG)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"雋騰傳承保障計劃 (EGA)"


"理想人生保障計劃註一 (PLS/PLSH/PLSSP/PLSSPH) 守護一生保障計劃註一 (PLJ/PLJH)":"「誠保一生」危疾保 (CIM3/CIM3H)"
"「摯為您」優悅醫療保險計劃 註四 (PPM)":"雋享入息保障計劃 (EGI)"
[20230707]
「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H) 雋珀投資計劃 (PVP) 雋珀投資計劃 (POPI)
註一： 將不獲給予免費預支傷病保障。
註二： 將不獲給予免費預支傷病保障及額外保障選擇權。
註三：「遞增保障權益」只適用於標準保費率保單 (不適用於附有附加保費 (包括居住地風險附加保費) 或不保事項的基本計劃或附加保障)。 註四： 中國內地客戶的保費組別屬於 地區B 及不接受任何附加於「摯為您」優悅醫療保險計劃的附加保障 (包括門診保障、產科保障及牙科保障)。
2.2 危疾保障計劃
2.2.1接受中國內地人士投保的危疾保障計劃


[2.2.1接受中國內地人士投保的危疾保障計劃
2.2.2危疾保障計劃的最高投保額]
"":"成年人士"
"基本計劃:":"•危疾加護保 III (CIE3/CIE3H) •危疾首護保 II (CIP2/CIP2H) •癌症痊癒保 (CRC) •「自主健康」危疾保 (ECI) •「誠保一生」危疾保 (CIM3/CIM3H) •「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H)"
"附加保障:":"•守護健康女性保障 / 守護健康女性額外保障（LC / LCE） •「自主健康」危疾多重保 (ECM) •「自主健康」嚴重癌症保 (ECS)"


"":"兒童 (未滿十八歲)"
"基本計劃:":"•危疾加護保 III (CIE3/CIE3H) •危疾首護保 II (CIP2/CIP2H) •「自主健康」危疾保 (ECI) •「誠保一生」危疾保 (CIM3/CIM3H)"
"附加保障:":"•「自主健康」危疾多重保 (ECM) •「自主健康」嚴重癌症保 (ECS)"
2.2.2危疾保障計劃的最高投保額


[2.2.2危疾保障計劃的最高投保額
2.2.3 危疾保障計劃的核保指引]
"":"全職成年人士 （詳情請參閱PIL UI000023 職業手冊 中「國內人士投保危疾保障」一欄）"
"最高投保額":"以下列較低者為準*: ➢ 500,000美元(以個人總投保額計); 或 ➢ 不髙於以下年薪的倍數 下次生日年齡 年工作收入的倍數 18 - 50 15 51 - 60 10 61 - 65 5 *如投保額超過 500,000美元 (以個人總投保額計)，最高投保額會視乎財務核保及財務証明作考慮。"


"":"家庭主婦 / 全日制學生(年滿十八歲) / 兒童 (未滿十八歲)"
"最高投保額":"➢ 一般情況下，500,000美元 (以個人計總投保額計) 以下的投保申請均無須提供特定的財務証明。 ➢ 如投保額超過 500,000 美元 (以個人總投保額計) ，最高投保額會以下列考慮因素: • 100% 配偶/父母於保誠的危疾保險保障額，上限為1,000,000美元。 • 75% 配偶/父母於其他保險公司的危疾保險保障額，上限為 750,000美元。"
"":"其他職業"
"最高投保額":"不接受申請"
2.2.3 危疾保障計劃的核保指引


[2.2.3 危疾保障計劃的核保指引
保費調整 – 居住地風險		•危疾加護保 III (CIE3/CIE3H)	人壽保障：標準 危疾保障：標準
•癌症痊癒保 (CRC) •危疾首護保 II (CIP2/CIP2H) •「自主健康」危疾保 (ECI) •「自主健康」危疾多重保 (ECM) •「自主健康」嚴重癌症保 (ECS) •「誠保一生」危疾保 (CIM3/CIM3H) •「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H)	地區 B保費組別
•守護健康女性保障 / 守護健康女性 額外保障 ( LC / LCE）	危疾保障：額外保費 25%
「遞增保障權益」	「遞增保障權益」只適用於標準保費率保單 [不適用於附有附加保費(包括居住地風險附加保費)或不保事項的基本計劃或附加保障]。
]


•守護健康女性保障 / 守護健康女性額外保障 ( LC / LCE） •危疾加護保 III (CIE3/CIE3H) •危疾首護保 II (CIP2/CIP2H) •「自主健康」危疾保 (ECI) •「自主健康」嚴重癌症保 (ECS) 投保額的 100%
•「誠保一生」危疾保 (CIM3/CIM3H) •「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H) 投保額的 125%
•癌症痊癒保 (CRC) 不計算例行體檢的倍數
•「自主健康」危疾多重保 (ECM) 投保額的 25%


例子: 投保「誠保一生」危疾保(CIM3), 投保額為 $350,000美元 → 以投保額的 125%計算 [125% x $350,000 = $437,500] 以決定例行體檢核保要求


嚴重疾病保障賠償 如受保人於中華人民共和國境內(中國香港特別行政區及中國澳門特別行政區除外)被診斷為患上嚴重疾病，該嚴重疾病必須經中華 人民共和國指定醫院的註冊醫生診斷並以書面證明。 (選定醫院名單﹕請參閱附件八) 必須簽署附有危疾及/或醫療保障之特別條款 (請參閱附件四)。


[例行體檢核保要求計算準則	計劃	計算例行體檢的倍數
•守護健康女性保障 / 守護健康女性額外保障 ( LC / LCE） •危疾加護保 III (CIE3/CIE3H) •危疾首護保 II (CIP2/CIP2H) •「自主健康」危疾保 (ECI) •「自主健康」嚴重癌症保 (ECS)	投保額的 100%
•「誠保一生」危疾保 (CIM3/CIM3H) •「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H)	投保額的 125%
•癌症痊癒保 (CRC)	不計算例行體檢的倍數
•「自主健康」危疾多重保 (ECM)	投保額的 25%


例子: 投保「誠保一生」危疾保(CIM3), 投保額為 $350,000美元 → 以投保額的 125%計算 [125% x $350,000 = $437,500]	以決定例行體檢核保要求


嚴重疾病保障賠償	如受保人於中華人民共和國境內(中國香港特別行政區及中國澳門特別行政區除外)被診斷為患上嚴重疾病，該嚴重疾病必須經中華 人民共和國指定醫院的註冊醫生診斷並以書面證明。 (選定醫院名單﹕請參閱附件八) 必須簽署附有危疾及/或醫療保障之特別條款 (請參閱附件四)。

2.3 定期壽險計劃]


•癌症痊癒保 (CRC) •危疾首護保 II (CIP2/CIP2H) •「自主健康」危疾保 (ECI) •「自主健康」危疾多重保 (ECM) •「自主健康」嚴重癌症保 (ECS) •「誠保一生」危疾保 (CIM3/CIM3H) •「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H) 地區 B保費組別

•守護健康女性保障 / 守護健康女性 額外保障 ( LC / LCE） 危疾保障：額外保費 25%

「遞增保障權益」 「遞增保障權益」只適用於標準保費率保單 [不適用於附有附加保費(包括居住地風險附加保費)或不保事項的基本計劃或附加保障]。
2.3 定期壽險計劃
2.3.1 接受中國內地人士投保的定期壽險計劃


[2.3.1 接受中國內地人士投保的定期壽險計劃
2.3.2 定期壽險計劃的最高投保額]

"可供選擇的計劃":""
"":"全職成年人士"
"基本計劃:":"「守護家人」定期人壽保 (PLT)"
"附加保障:":"「守護家人」定期人壽保 (PLTR) 守護健康危疾定期保 II (CIT2R)"

家庭主婦 / 全日制學生(年滿十八歲) / 非在職人士 / 兒童 不接受任何定期壽險的基本計劃申請 「守護家人」定期人壽保 (PLTR) 守護健康危疾定期保 II (CIT2R)
2.3.2 定期壽險計劃的最高投保額
全職成年人士
最高投保額 (亦受「壽險 / 基本計劃」之投保額指引所限)
➢ 受保人的所有定期壽險計劃 ^ 總投保額不高於以下年工作收入的倍數或總投保額上限，以下列較低者為準︰


[➢ 受保人的所有定期壽險計劃 ^ 總投保額不高於以下年工作收入的倍數或總投保額上限，以下列較低者為準︰
➢ 如受保人申請守護健康危疾定期保 II (CIT2R) ，除總投保額上限外，也需遵守以下額外要求，以下列較低者為準： ➢ 基本計劃投保額之一倍; 或]

"下次生日年齡":"19 – 50"
"年工作收入的倍數":"15"
"總投保額上限":"1,000,000 美元"

51 - 60 10

61 – 65 5

"下次生日年齡":"66或以上"
"年工作收入的倍數":"個別考慮"
"總投保額上限":"500,000美元"
➢ 如受保人申請守護健康危疾定期保 II (CIT2R) ，除總投保額上限外，也需遵守以下額外要求，以下列較低者為準： ➢ 基本計劃投保額之一倍; 或
➢ 總投保額不高於 625,000 美元 (以受保人所有守護健康危疾定期保 II (CIT2R) 總投保額計)
家庭主婦 / 全日制學生(年滿十八歲) /
非在職人士 / 兒童
受保人的定期壽險計劃投保額以下列較低者為準:
➢ 基本計劃投保額之一倍; 或


➢ 500,000 美元(以受保人所有定期壽險計劃^總投保額計) ^
所有定期壽險計劃包括「定期保」 (CT2)、每年定期保障計劃(可轉換及續保) (YRCTR)、五年定期保障計劃(可轉換及續保) (5RCTS)、「守護家人」定期人壽保 (PLT/PLTR) 及守護健康危疾定期保 II (CIT2R)。
2.3.3 定期壽險計劃的核保指引
居住地風險 居住於中國內地 PLT/PLTR/CIT2R
地區 B保費組別
2.4 醫療計劃
2.4.1 「摯為您」優悅醫療保險計劃 / 醫療加倍保 (基本計劃 / 附加保障)
[2.4.1 「摯為您」優悅醫療保險計劃 / 醫療加倍保 (基本計劃 / 附加保障)
2.4.2癌症全護計劃 (CP) / 特選危疾治療保 (基本計劃 / 附加保障) (CPE/CPER) 可供選擇的計劃]
保費組別 地區 B


"":"保障地區"
"「摯為您」優悅醫療保險計劃 (PPM/PPMR)":"下列人士只能申請「全球保障(美國除外)」： ➢ 現於美國居住或於過去 12個月在美國逗留至少 183日；或 ➢ 計劃於未來 12個月在美國逗留至少 183日；或 ➢ 美國公民"
"醫療加倍保 (基本計劃 / 附加保障) (PMP / PMPR)":"不適用"


"":"附加保障"
"「摯為您」優悅醫療保險計劃 (PPM/PPMR)":"不接受任何附加於「摯為您」優悅醫療保險計劃的附加保障 (包括 門診保障，產科保障及牙科保障)"
"醫療加倍保 (基本計劃 / 附加保障) (PMP / PMPR)":"不適用"


保障賠償 ➢如受保人於中華人民共和國境內(中國香港特別行政區及中國澳門特別行政區除外)住院或接受治療，有關保障將會被支付，惟該住院或接 受治療必須經中華人民共和國指定醫院的註冊醫生診斷並以書面證明。(選定醫院名單﹕請參閱附件八) ➢必須簽署「危疾 及/或 醫療保障計劃之特別條款」補充資料表格。(請參閱附件四)


醫療產品組合限制 ➢ 每位受保人只可投保一份「摯為您」優悅醫療保險計劃 或 一份醫療加倍保。 ➢ 受保人不能同時持有生效的「摯為您」優悅醫療保險計劃 (PPM/PPMR) 及 醫療加倍保 (PMP / PMPR)。 ➢ 受保人不能同時持有生效的「摯為您」優悅醫療保險計劃 (PPM/PPMR) / 醫療加倍保 (PMP / PMPR) 及「智安心康健計劃」 (HTPR)。[此項新規管不適用於 2016年 1月 8日前已生效的 HTPR。] ➢ 若投保「摯為您」優悅醫療保險計劃 (PPM/PPMR) /「醫療加倍保」(PMP / PMPR) 選擇計劃一，並以 $ 0作為每年自付額，受保人 將不能同時持有生效的「住院護惠計劃」(HCP / JUHCP) 。
2.4.2癌症全護計劃 (CP) / 特選危疾治療保 (基本計劃 / 附加保障) (CPE/CPER) 可供選擇的計劃
癌症全護計劃 (CP)
特選危疾治療保 (基本計劃) (CPE)
特選危疾治療保 (附加保障) (CPER)
可選擇計劃一、計劃二及計劃三
可選擇計劃二、計劃三及計劃四
可選擇計劃一、計劃二、計劃三及計劃四
保費組別
保障賠償
保單數目


地區 B
在中國內地醫院住院 / 進行治療，保障範圍僅限於中國內地的選定醫院。(選定醫院名單﹕請參閱附件八) 必須簽署「危疾 及/或 醫療保障計劃之特別條款」補充資料表格。(請參閱附件四)
每位受保人只可投保一份癌症全護計劃及一份特選危疾治療保。
2.4.3終身保醫療計劃 (MLP) / 智安心康健計劃 (HTPR)
[2.4.3終身保醫療計劃 (MLP) / 智安心康健計劃 (HTPR)
2.4.4住院護惠計劃 (HCP) / 子女住院護惠計劃 (JUHCP)]
"可供選擇的計劃":"醫療產品組合限制"
"➢ 接受所有保障級別。 ➢ 不接受額外醫療計劃。":"➢ 受保人不能同時持有生效的「智安心康健計劃」及「摯為您」優悅醫療保險計劃 或「醫療加倍保」。 ➢ 每位受保人只可投保一份「終身保醫療計劃」及一份「智安心康健計劃」。"


"可供選擇的計劃":"保障賠償"
"➢ 接受所有保障級別。 ➢ 不接受額外醫療計劃。":"➢ 在中國內地醫院住院，保障範圍僅限於中國內地的選定醫院。(選定醫院名單﹕請參閱附件八) ➢ 如在中國內地的選定醫院住院，「最高賠償限額」將不作調整。 ➢ 必須簽署「危疾 及/或 醫療保障計劃之特別條款」補充資料表格。(請參閱附件四)"
2.4.4住院護惠計劃 (HCP) / 子女住院護惠計劃 (JUHCP)


[2.4.4住院護惠計劃 (HCP) / 子女住院護惠計劃 (JUHCP)
2.5 其他附加計劃]
"最高投保額":"醫療產品組合限制"
"最高 住院護惠計劃 投保額為每日 100 美元。（包括已生效住院護惠計劃和其他公司的類似產品）":"若投保「摯為您」優悅醫療保險計劃 或 醫療加倍保的計劃一 並選擇以 $ 0 作為每年自付額，受保人將不能同時持有生效的「住院護惠計劃」。"


"最高投保額":"保障賠償"
"最高 住院護惠計劃 投保額為每日 100 美元。（包括已生效住院護惠計劃和其他公司的類似產品）":"➢ 根據住院護惠計劃之保障條款，中華人民共和國並不包括在保障地區之內，如受保人入住中國內地的醫院，對於因同一次或相關的受傷或 患病的任何住院，本公司將調低保障的賠償的百分之五十，並支付最高九十日的住院賠償。 ➢ 在中國內地醫院住院，保障範圍僅限於中國內地的選定醫院。(選定醫院名單﹕請參閱附件八) ➢ 必須簽署「危疾 及/或 醫療保障計劃之特別條款」補充資料表格。(請參閱附件四)"
2.5 其他附加計劃


[2.5 其他附加計劃
意外首護保 (PAE)	➢ 只限於文書工作 (非體力勞動的工作) ➢ 接受級別﹕第一級 ➢ 地區 B保費組別 ➢ 保障額不能超過基本計劃之投保額，並個人所有意外保障的最高總 投保額為為 750,000美元 ➢ 不接受「意外全護保」計劃及「意外加護保」計劃	➢ 接受級別﹕第一級 ➢ 地區 B保費組別 ➢ 保障


額不能超過基本計劃之投保額，並個人所有意外保障的最高 總投保額為為 75,000美元 ➢ 不接受「意外全護保」計劃及「意外加護保」計劃
守護健康女性保障 (LC) / 守護健康女性額外保 障 (LCE)	➢ 「守護健康女性保障」的投保額不能超過基本計劃之投保額，並個人最高保障額為 150,000美元 / 1,200,000港元


。 ➢ 如「守護健康女性保障」附加於特級「雋陞」儲蓄保障計劃 II 、「雋景」組合投資計劃、保誠「雋逸 人生」延期年金計劃及「息享人生」儲蓄保障計劃上，個人最高保障額為 50,000美元 / 400,000港元。 ➢ 「守護健康女性額外保障」之投保額必須相等或少於「守護健康女性保障」之投保額。 ➢ 居住地風險 : 額外保費 25% ➢ 中國內地受保人被診斷患上嚴重疾病，妊娠期併發症，或需進行醫療手術或治療，必須由中華人民共 和國指定醫院的註冊醫生診斷並予以書面證明。 (選定醫院名單﹕請參閱附件八) ➢ 所有「守護健康女性保障」及「守護健康女性額外保障」的投保申請，必須簽署守護健康女性保障及 守護健康女性額外保障之補充資料表格。 (請參閱附件六) ➢ 所有其他核保及行政指引同時適用。	不適用
]


"可接受申請的計劃":"完全傷殘豁免保費保障 (WP) / 投保人保障 (PB)"
"在職成年人士":"➢ 只限於文書工作 (非體力勞動的 工作) ➢ 接受級別﹕第三級"
"家庭主婦":"不接受"
"全職學生 (年滿十八歲)":"不接受"
"兒童 (未滿十八歲)":"不接受"


"可接受申請的計劃":"意外護惠計劃 (AC) / 子女意外護惠計劃 (JUAC)"
"在職成年人士":"➢ 只限於文書工作 (非體力勞動的 工作) ➢ 接受級別﹕第三級 ➢ 保障額不能超過基本計劃之投保 額，並個人最高保障額為 700,000 美元。 ➢ 不接受「額外意外身亡保障計劃」 及「特級意外全惠」計劃。"
"家庭主婦":"➢ 接受級別﹕第三級 ➢ 保障額不能超過基本計 劃之投保額。"
"全職學生 (年滿十八歲)":"➢ 接受級別﹕第三級 ➢ 保障額不能超過基本計劃之投 保額，並個人最高保障額為 50,000美元。"
"兒童 (未滿十八歲)":"➢ 額外保費 100% ➢ 保障額不能超過基本計 劃之投保額，並個人最 高保障額為 50,000 美 元。"


[可接受申請的計劃	在職成年人士	家庭主婦	全職學生 (年滿十八歲)	兒童 (未滿十八歲)
完全傷殘豁免保費保障 (WP) / 投保人保障 (PB)	➢ 只限於文書工作 (非體力勞動的 工作) ➢ 接受級別﹕第三級	不接受	不接受	不接受


意外護惠計劃 (AC) / 子女意外護惠計劃 (JUAC)	➢ 只限於文書工作 (非體力勞動的 工作) ➢ 接受級別﹕第三級 ➢ 保障額不能超過基本計劃之投保 額，並個人最高保障額為 700,000 美元。 ➢ 不接受「額外意外身亡保障計劃」 及「特級意外全惠」計劃。	➢ 接受級別﹕第三級 ➢ 保障額不能超過基本計 劃之投保額。	➢ 接受級別﹕第三級 ➢ 保障額不能超過基本計劃之投 保額，並個人最高保障額為 50,000美元。	➢ 額外保費 100% ➢ 保障額不能超過基本計 劃之投保額，並個人最 高保障額為 50,000 美 元。


2.6 雋寶傳承保障計劃 (EGP)]

"意外首護保 (PAE)":"守護健康女性保障 (LC) / 守護健康女性額外保 障 (LCE)"
"➢ 只限於文書工作 (非體力勞動的工作) ➢ 接受級別﹕第一級 ➢ 地區 B保費組別 ➢ 保障額不能超過基本計劃之投保額，並個人所有意外保障的最高總 投保額為為 750,000美元 ➢ 不接受「意外全護保」計劃及「意外加護保」計劃":"➢ 「守護健康女性保障」的投保額不能超過基本計劃之投保額，並個人最高保障額為 150,000美


元 / 1,200,000港元。 ➢ 如「守護健康女性保障」附加於特級「雋陞」儲蓄保障計劃 II 、「雋景」組合投資計劃、保誠「雋逸 人生」延期年金計劃及「息享人生」儲蓄保障計劃上，個人最高保障額為 50,000美元 / 400,000港元。 ➢ 「守護健康女性額外保障」之投保額必須相等或少於「守護健康女性保障」之投保額。 ➢ 居住地風險 : 額外保費 25% ➢ 中國內地受保人被診斷患上嚴重疾病，妊娠期併發症，或需進行醫療手術或治療，必須由中華人民共 和國指定醫院的註冊醫生診斷並予以書面證明。 (選定醫院名單﹕請參閱附件八) ➢ 所有「守護健康女性保障」及「守護健康女性額外保障」的投保申請，必須簽署守護健康女性保障及 守護健康女性額外保障之補充資料表格。 (請參閱附件六) ➢ 所有其他核保及行政指引同時適用。"


"➢ 接受級別﹕第一級 ➢ 地區 B保費組別 ➢ 保障額不能超過基本計劃之投保額，並個人所有意外保障的最高 總投保額為為 75,000美元 ➢ 不接受「意外全護保」計劃及「意外加護保」計劃":"不適用"
2.6 雋寶傳承保障計劃 (EGP)


[2.6 雋寶傳承保障計劃 (EGP)
3. 財務核保指引]
"嚴重癌症保障賠償":"嚴重癌症保障簡易核保 限額 1,2"
"如受保人於中華人民共和國境內(中國香港特別行政區及中國澳門特別行政區除外)被診斷為患上任何受保病況，該受保病況必須經中華人民共和 國指定醫院的註冊醫生診斷並以書面證明。 (選定醫院名單﹕請參閱附件八) 必須簽署附有危疾及/或醫療保障之特別條款 (請參閱附件四)。":"1此為以同一受保人名下之所有雋寶傳承保障計劃保單的限額。 2如計劃的嚴重癌症保障超出上表所列的金額，則需要進行正常核保程序，披露健康狀況。 下次生日年齡 嚴重癌症保障簡易核保限額 1 – 50 320,000美元 51 - 55 160,000美元 56 – 65 80,000美元"
3. 財務核保指引
請參閱保誠資料庫 (PIL) UI000011
4. 重要備註


[4. 重要備註
5. 中國內地之選定醫院名單]
4.1	任何申請危疾或醫療計劃 (包括 「終身保醫療計劃」 / 「智安心康健計劃」/ 「住院護惠計劃」 / 「摯為您」優悅醫療保險計劃 / 醫療加倍保 / 癌症全護 計劃 / 危疾加護保III / 危疾首護保II/ 特選危疾治療保 / 「癌症痊癒保」/ 守護健康危疾定期保 II / 雋寶傳承保障計劃/「自主健康」危疾保/「自主健康」危 疾多重保/「自主健康」嚴重癌症保 / 「誠保一生」危疾保 / 「誠保一生」危疾保 – 摯愛寶) 的客戶，必須簽署一份預先印製的補充資料表格 (見附件四)，以 聲明接受保障限制條款。


4.2	如申請「守護健康女性保障」 /「守護健康女性額外保障」保障計劃的客戶，必須簽署一份預先印製的補充資料表格 (見附件六)，以聲明接受保障限制條款。
4.3	不接受在中英街簽署的投保申請書。
4.4	不接受往來邊防禁區特許通行證–深圳市沙頭角鎮。


4.5	不接受擔保外釋書(行街紙) 。
4.6	所有在中國內地的體檢 / 化驗費用將不會由本公司承擔，而在中國內地的體檢 / 化驗報告結果，僅作為核保的參考資料。 所有公司指定的體檢 / 化驗必須在中國香港特別行政區進行，最終的核保決定將以在中國香港特別行政區進行體檢 / 化驗報告結果作為根據。
5. 中國內地之選定醫院名單
適用於「終身保醫療計劃」 /「住院護惠計劃」/ 「智安心康健計劃」 /「摯為您」優悅醫療保險計劃 / 醫療加倍保 / 癌症全護計劃 / 守護健康智選危疾保 / 危疾加護保 III / 危疾首護保II / 特選危疾治療保 / 守護健康女性保障 / 守護健康女性額外保障 / 癌症痊癒保 / 守護健康危疾定期保 II / 雋寶傳承保障計劃 / 「自主未來」保障計劃/ 「自主健康」危疾保 / 「自主健康」危疾多重保 / 「自主健康」嚴重癌症保 / 「誠保一生」危疾保 / 「誠保一生」危疾保 – 摯愛寶 之中國內地之選定醫院名單
2,129間選定醫院
(中國內地選定醫院 (包括總院、分部及分院) 的名稱及地址資料，請參閱附件八以供參考)


6. 以下指引適用於受保人 及/或 投保人為中華人民共和國公民並現居住於菲律賓、泰國及印尼的投保申請：
[6. 以下指引適用於受保人 及/或 投保人為中華人民共和國公民並現居住於菲律賓、泰國及印尼的投保申請：
其他條件:]
"":"可購買產品:"
"危疾":"危疾加護保 III (CIE3/CIE3H) 危疾首護保 II (CIP2/CIP2H) 守護健康危疾定期保 II (CIT2R) 「自主健康」危疾保 (ECI) 「自主健康」危疾多重保 (ECM) 「自主健康」嚴重癌症保 (ECS) 「誠保一生」危疾保 (CIM3/CIM3H) 「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H)"
"醫療":"「智安心康健計劃」 (HTPR)"


"":"因應居住地風險而徵收的額外保費:"
"危疾":"人壽保障： 印尼 每 1,000美元投保額: + 2 美元 泰國 每 1,000美元投保額: + 2 美元 菲律賓 每 1,000美元投保額: + 2 美元 危疾保障：額外保費 75% 守護健康危疾定期保 II (CIT2R) 地區 B 保費組別 「自主健康」危疾保 (ECI) 「自主健康」危疾多重保 (ECM) 「自主健康」嚴重癌症保 (ECS) 「誠保一生」危疾保 (CIM3/CIM3H) 「誠保一生」危疾保 – 摯愛寶 (BCIM3/BCIM3H)"
"醫療":"額外保費 75%"
其他條件:
1. 客戶需持有中華人民共和國發出之身份證明文件，包括但不限於出世紙，身份證，護照等；及
2. 客戶需居於在菲律賓、泰國或印尼，唯以下地區除外：
印尼 亞齊省、巴布亞、中蘇拉威西及馬魯古群島
泰國 陶公(那拉提瓦)、北 大年、宋卡及也拉省
菲律賓 民答那峨、蘇祿群島 及三宝顏半島
3. 根據現行指引，投保人及年滿 18歲受保人均須來港進行驗証及簽署附有危疾及/或醫療保障之特別條款。


7. 如保單的保費被調高, 請在補充資料表上列出以下條款 (適用於「美好人生保障計劃 II」(PLP2)、危疾首護保II (CIP2)、危疾加護保III (CIE3) 、「自主未來」保障計劃 (LFREE/LFREESP)、「自主健康」危疾保 (ECI)、「自主健康」危疾多重保 (ECM) 、「自主健康」嚴重癌症保 (ECS) 、「誠保一生」危疾保 (CIM3) 及「誠保一生」危疾 保 – 摯愛寶 (BCIM3)：
「美好人生保障計劃 II」(PLP2)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「美好人生保障計劃 II」的保費已被調高。
2. 在行使附設額外保障的保單轉換權益時，新保單將按上述的條款及條件繕發，包括任何適用於美好人生保障計劃 II / 美好人生保障計劃 II（整付保費）之附加保費率。
「危疾首護保 II」(CIP2)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「危疾首護保 II」的保費已被調高。


2. 在行使額外定期危疾首護保 II的保單轉換權益時，新保單將按上述的條款及條件繕發，包括任何適用於危疾首護保 II之附加保費率。
危疾加護保 III (CIE3)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 危疾加護保 III的保費已被調高。
2. 在行使額外危疾加護保 III的保單轉換權益時，新保單將按上述的條款及條件繕發，包括任何適用於危疾加護保 III之附加保費率。
「自主未來」保障計劃 (LFREE/LFREESP)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「自主未來」保障計劃的保費已被調高。
「自主健康」危疾保 (ECI)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「自主健康」危疾保的保費已被調高。 「自主健康」危疾多重保 (ECM)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「自主健康」危疾多重保的保費已被調高。
「自主健康」嚴重癌症保 (ECS)


本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「自主健康」嚴重癌症保的保費已被調高。
「誠保一生」危疾保 (CIM3)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「誠保一生危疾保」的保費已被調高。
2. 在行使升級保障的保單轉換權益時，新保單將按此載的條款及條件繕發，包括任何適用於「誠保一生」危疾保之附加保費率。
「誠保一生」危疾保 – 摯愛寶 (BCIM3)
本人（投保人／受保人）同意及接受，因居住地區原因本保單將根據下列特別條款繕發：
1. 「誠保一生危疾保 – 摯愛寶」的保費已被調高。
2. 在行使升級保障的保單轉換權益時，新保單將按此載的條款及條件繕發，包括任何適用於「誠保一生」危疾保 – 摯愛寶之附加保費率。


天津滨海农村商业银行股份有限公司 2023年度第106期同业存单 发行情况公告 23天津滨海农村商行CD106已成功发行，现将发行情况公告如下：
[天津滨海农村商业银行股份有限公司 2023年度第106期同业存单 发行情况公告 23天津滨海农村商行CD106已成功发行，现将发行情况公告如下：
2023年05月06日]

"存单全称":"存单简称"
"天津滨海农村商业银行股份有限公司2023年第106期同业存单":"23天津滨海农村商行CD106"

存单代码 112398294 期限 1M

息票类型 零息 发行日 2023-05-06

计划发行量(亿元) 0.5 实际认购量(亿元) 0.5

发行价格(元) 99.8013 参考收益率 2.3500%

票面利率(%)  币种 人民币
2023年05月06日
全国银行间同业拆借中心
*本发行情况公告由全国银行间同业拆借中心发行系统生成。


Residential Underwriting Guidelines
[Residential Underwriting Guidelines
Page 1]
"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"2.1 For Foreigners fe ped and o Ppse s qien  od lif


e n n nn pe pc The required pages include 1.Personal informatior 2. Landing slip by Immigration Department of the HKSAR, China/MSAR,China, according to the place of entry 3. Travel visa relevant to current entry to HKSAR, China/MSAR,China 12.2 Foriu veile lije roeosed. ifithe bith cerificteis ina laguage oteher ithan chinese/Eglisp, pleas submi it along with an ofial chies/Eglih trnslated copy All witnessed signatures must be in the same form as that appeared on the Proposal for Assurance."


"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"For Mainland Chinese clients,please refer o Mainland Guidelines for MSV and documents requirements."


"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"Underwriting reserves the right to obtain further information/evidence if deemed necessary."


"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"If lfe proposed's plceof residence in the past 12 months differs fom thatin the coming24months,rating will e based on the country/ rgion with ligher residential ratin (Example:life proposed lived in China in past 12 months and will move to Thailand in coming 24 months,ating will be based on residing in Thailand."


"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"For below situations,case will be considered individua


lly 6.1 For any countries,ci ies or regions that are not covered under the guidelies.(eg.Kazak stan) 6.2Travel pattern of lif proposed involves with more han 2 counti


es, cities or regions.(leg.Client ravelto China, Thailand and UK with similar period of time Please submit fullst f passport copy with memo to further clarify the bac


kground of client 1. How long has life proposed lived in current place of residence? (No. of days) 2.Thetravel pattrn for the past and coming 24 months citi'es, date and duration 3. Abrief description of life proposed'soccupational details including title, exact job duties..ec 4. Reason for applying insurance in HKSAR, China/MSAR, China. 5. How the agent knows the client."


"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"Prudential wold not cept apai  t en in ss orero o n s sp   e  States."


"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"prucental wuldnot ce t pplcionstoman, lecson woliesin apapcoi/pov'des a apales ear esa、sord ,cai:,:ape<'rt"*uZrervtinyGvidelineson panese pPlcecto*.Lage"


"":""
"Place of residence means client living in a particular country / region for 183 days or more per year.":"The residential rtings are for reference only and are subject to review and change at any time."


"":"10"
"Place of residence means client living in a particular country / region for 183 days or more per year.":"For Financial and Occupation underwriting,please refer to related guidelines."


"":"11"
"Place of residence means client living in a particular country / region for 183 days or more per year.":"Please refer to Mainland Guidelines for financial underwriting for below clients 1.Mainlana Chinese w o en er ksaR.Chana/MSAR,China with PRCtravel documentincuding PRCpassportPRC Travel Perritetc) 2. Foreigner who lives in China for 183 days or more per year."
Page 1
Residential Identity Grouping


[Residential Identity Grouping
Example illustrations]
"Grouping":"Group1"
"Category":"HKSAR ID Holder"
"Definition":"Customer holds HKSAR Identity Card (Including Temp ID card holder and child born in HKSAR, China)"


"Grouping":"Group 2"
"Category":"Macau SAR ID holder"
"Definition":"Customer holds Macau SAR Identity Card (Including child born in MSAR, China)"


"Grouping":"Group 3"
"Category":"Mainland Chinese"
"Definition":"PRC citizen enters HKSAR, China / MSAR, China with PRC travel document such as PRC passport, PRC Travel Permit for HKSAR / MSAR (Including juvenile life proposed without entering HKSAR, China / MSAR, China)"


"Grouping":"Group 4"
"Category":"Foreigner"
"Definition":"Foreigner enters HKSAR, China / MSAR, China with overseas travel document (Including juvenile life proposed without entering HKSAR, China / MSAR, China)"
Example illustrations


Country / Region	Basic Life (PLT)	Crisis Cover (CC)	C360 / C360S / EGP / EGPM	CIM2 / CIM3 / CIM3M / BCIM3 / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM	LC / LCE	MLP / MLPM / VSP / VFP / VEP	HTPR / HTPRM	HCP	PPM / PMP/ PMPM / CP / CPE / VIP	AEC2 / PAA / PAP	AC / AAB / PAE	P10A	WP / PB	TPD / DIS	DIB	LTC	CRC


1	HKSAR, China 中國香港特別行政區	Std (Region A)	Std	Std	Region A	Std	Std	Std	Std	Region A	Std	Std	Std	Std	Std	Std	Std	Region A


2	Macau SAR, China 中國澳門特別行政區	Std (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	Std	Std	Region A


3	Malaysia 馬來西亞	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


4	Singapore 新加坡	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


5	South Korea 南韓	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


6	Taiwan 台灣	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


7	Australia 澳洲	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


8	Canada 加拿大	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


9	Europe (Western) 1 西歐國家1	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


10	New Zealand 新西蘭	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


11	United Kingdom 英國	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


12	United States 美國	Std 9 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A 10	Std#	Std	Std	Std	D	D	D	D


13	China 中國	Std 12 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	Std	D	D	Region A


14	South Africa 3 南非3	Std 11 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


15	Dubai 杜拜	Std 11 (Region A)	Std	Std	Region A	Std	Std	Std	Std#	Region A	Std#	Std	Std	Std	D	D	D	D


16	Abu Dhabi 阿布扎比	Std 11 (Region A)	Std 15 ^	Std 15	Region A	D	D	D	D	D	D	D	D	D	D	D	D	D
17	Belize 伯利茲	Std 11 (Region A)	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D
18	Argentina 阿根廷	+1pm 11 (Region A)	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D
19	India 4 印度4	+2pm 11 (Region A)	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D
20	Vietnam 越南	+2pm 11 (Region A)	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D


21	Indonesia 5 印尼5	+2pm 11 (Region A)	+75%^	D	+75%^ (Region A)	D	D	+75%^	D	D	D	D	D	D	D	D	D	D


22	Thailand 6 泰國6	+2pm 11 (Region A)	+75%^	D	+75%^ (Region A)	D	D	+75%^	D	D	D	D	D	D	D	D	D	D


23	Philippines 7 菲律賓7	+2pm 11 (Region A)	+75%^	D	+75%^ (Region A)	D	D	+75%^	D	D	D	D	D	D	D	D	D	D
24	Nepal 尼泊爾	+4pm 11 (Region A)	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D	D
]

"Identity":"HKSAR ID Holder (Group 1)"


"Place of Residence (living in a particular country / region for over 183 days per year)":"China"
"Underwriting Decision":"CIM2 (Region A) PPM / PMP (Region A)"


"Explanation":"Special Handling: For HKSAR ID holder residing in mainland China, CC and medical plan will still be offered with Region A premium rate."

"Identity":"Macau SAR ID Holder (Group 2)"


"Place of Residence (living in a particular country / region for over 183 days per year)":"Vietnam"


"Underwriting Decision":"Life +2 per mille Reject Crisis Cover and Medical plan application"


"Explanation":"Vietnam has a higher reisdential risk than MSAR, China, underwriting decision will be based on residential risk in Vietnam."

"Identity":"Mainland Chinese (Group 3)"


"Place of Residence (living in a particular country / region for over 183 days per year)":"HKSAR, China"
"Underwriting Decision":"CIM2 (Region B) PPM / PMP (Region B)"


"Explanation":"China has a higher reisdential risk than HKSAR, China, underwriting decision will be based on residential risk in China."

"Identity":"Mainland Chinese (Group 3)"


"Place of Residence (living in a particular country / region for over 183 days per year)":"USA"


"Underwriting Decision":"CIM2 (Region B) PPM / PMP (Region B), only offer Worldwide coverage without USA"


"Explanation":"China has a higher reisdential risk than USA, underwriting decision will be based on residential risk in China."

US customer (Group 4) China

"Identity":"UK customer (Group 4)"


"Place of Residence (living in a particular country / region for over 183 days per year)":"India"


"Explanation":"India has a higher reisdential risk than UK, underwriting decision will be based on residential risk in India."

India customer (Group 4) UK


[Identity	Place of Residence (living in a particular country / region for over 183 days per year)	Underwriting Decision	Explanation
HKSAR ID Holder (Group 1)	China


CIM2 (Region A) PPM / PMP (Region A)	Special Handling: For HKSAR ID holder residing in mainland China, CC and medical plan will still be offered with Region A premium


 rate.
Macau SAR ID Holder (Group 2)	Vietnam	Life +2 per mille Reject Crisis Cover and Medical plan application	Vietnam has a higher reisdential risk than MSAR, Chi


na, underwriting decision will be based on residential risk in Vietnam.
Mainland Chinese (Group 3)	HKSAR, China	CIM2 (Region B) PPM / PMP (Region B)	China has a hig


her reisdential risk than HKSAR, China, underwriting decision will be based on residential risk in China.
Mainland Chinese (Group 3)	USA	CIM2 (Region B) PPM / PMP (


Region B), only offer Worldwide coverage without USA	China has a higher reisdential risk than USA, underwriting decision will be based on residential risk in China.
US customer (Group 4)	China
UK customer (Group 4)	India	Life +2 per mille Reject Crisis Cover and Medical plan application	India has a higher reisdential risk than UK, underwriting decision will be based on residential risk in India.
India customer (Group 4)	UK
For PVP Residential Guidelines, please refer to UI000323.]


1 HKSAR, China 中國香港特別行政區 Std (Region A) Std Std Region A Std Std Std Std Region A Std Std Std Std Std Std Std Region A


2 Macau SAR, China 中國澳門特別行政區 Std (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D Std Std Region A


3 Malaysia 馬來西亞 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


4 Singapore 新加坡 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


5 South Korea 南韓 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


6 Taiwan 台灣 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


7 Australia 澳洲 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


8 Canada 加拿大 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


9 Europe (Western) 1 西歐國家1 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


10 New Zealand 新西蘭 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


11 United Kingdom 英國 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


12 United States 美國 Std 9 (Region A) Std Std Region A Std Std Std Std# Region A 10 Std# Std Std Std D D D D


13 China 中國 Std 12 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std Std D D Region A


14 South Africa 3 南非3 Std 11 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


15 Dubai 杜拜 Std 11 (Region A) Std Std Region A Std Std Std Std# Region A Std# Std Std Std D D D D


16 Abu Dhabi 阿布扎比 Std 11 (Region A) Std 15 ^ Std 15 Region A D D D D D D D D D D D D D
17 Belize 伯利茲 Std 11 (Region A) D D D D D D D D D D D D D D D D
18 Argentina 阿根廷 +1pm 11 (Region A) D D D D D D D D D D D D D D D D
19 India 4 印度4 +2pm 11 (Region A) D D D D D D D D D D D D D D D D
20 Vietnam 越南 +2pm 11 (Region A) D D D D D D D D D D D D D D D D


21 Indonesia 5 印尼5 +2pm 11 (Region A) +75%^ D +75%^ (Region A) D D +75%^ D D D D D D D D D D


22 Thailand 6 泰國6 +2pm 11 (Region A) +75%^ D +75%^ (Region A) D D +75%^ D D D D D D D D D D


23 Philippines 7 菲律賓7 +2pm 11 (Region A) +75%^ D +75%^ (Region A) D D +75%^ D D D D D D D D D D
24 Nepal 尼泊爾 +4pm 11 (Region A) D D D D D D D D D D D D D D D D
For PVP Residential Guidelines, please refer to UI000323.
Group 1: Applicable for HKSAR ID holder (including Temporary HKID holder)
Page 3


[Page 3
For PVP Residential Guidelines, please refer to UI000323.]


Country / Region Basic Life (PLT) CIE3 / CIE3M EGP/ EGPM CIM3 / BCIM3 / CIM3M / BCIM3M / ECI / ECM / ECS / ECIM / ECMM / ECSM CIM2 / CIT2 / CIP2 LC / LCE MLP / MLPM HTPR / HTPRM HCP PPM / CP / CPE PMP / PMPM AEC2 / PAA / PAP AC / AAB / PAE P10A WP / PB TPD / DIS DIB LTC CRC


1 HKSAR, China 中國香港特別行政區 Std (Region A) Std Std Region A Region A Std Std Std Std# Region A Region A D Std D Std D D D Region A


2 Macau SAR, China 中國澳門特別行政區 Std (Region A) Std Std Region A Region A Std Std Std Std# Region A Region A D Std D Std D D D Region A


3 Malaysia 馬來西亞 Std 9 (Region A) Std Std Region A Region A Std Std Std Std# Region A Region A D Std D Std D D D D


4 Singapore 新加坡 Std 9 (Region A) Std Std Region A Region A Std Std Std Std# Region A Region A D Std D Std D D D D


5 South Korea 南韓 Std 9 (Region A) Std Std Region A Region A Std Std Std Std# Region A Region A D Std D Std D D D D


6 Taiwan 台灣 Std 9 (Region A) Std Std Region A Region A Std Std Std Std# Region A Region A D Std D Std D D D D


7 Australia 澳洲 Std 9 (Region A) Std Std Region A Region A Std Std Std D D Region A D Std D Std D D D D


8 Canada 加拿大 Std 9 (Region A) Std Std Region A Region A Std Std Std D D Region A D Std D Std D D D D


9 Europe (Western) 1 西歐國家1 Std 9 (Region A) Std Std Region A Region A Std Std Std D D Region A D Std D Std D D D D


10 New Zealand 新西蘭 Std 9 (Region A) Std Std Region A Region A Std Std Std D D Region A D Std D Std D D D D


11 United Kingdom 英國 Std 9 (Region A) Std Std Region A Region A Std Std Std D D Region A D Std D Std D D D D


12 United States 美國 Std 9 (Region A) Std Std Region A Region A Std Std Std D D Region A D Std D Std D D D D


13 China 中國 Std 9 (Region B) Std Std Region A Region B Std Std Std Std* Region B 10 Region A D Std* D Std* D D D Region B


14 South Africa 3 南非3 Std 11 (Region A) Std Std Region A D D Std Std D D Region A D D D D D D D D


15 Dubai 杜拜 Std 11 (Region A) Std Std Region A D D Std Std D D Region A D D D D D D D D


16 Abu Dhabi 阿布扎比 Std 11 (Region A) Std 15 ^ Std 15 Region A D D D D D D D D D D D D D D D
17 Belize 伯利茲 Std 11 (Region A) D D D D D D D D D D D D D D D D D D
18 Argentina 阿根廷 +1pm 11 (Region A) D D D D D D D D D D D D D D D D D D
19 India 4 印度4 +2pm 11 (Region A) D D D D D D D D D D D D D D D D D D
20 Vietnam 越南 +2pm 11 (Region A) D D D D D D D D D D D D D D D D D D


21 Indonesia 5 印尼5 +2pm 11 (Region A) +75%^ D +75%^ (Region A) D D D +75%^ D D D D D D D D D D D


22 Thailand 6 泰國6 +2pm 11 (Region A) +75%^ D +75%^ (Region A) D D D +75%^ D D D D D D D D D D D


23 Philippines 7 菲律賓7 +2pm 11 (Region A) +75%^ D +75%^ (Region A) D D D +75%^ D D D D D D D D D D D
24 Nepal 尼泊爾 +4pm 11 (Region A) D D D D D D D D D D D D D D D D D D
For PVP Residential Guidelines, please refer to UI000323.
20230707


[20230707
For PVP Residential Guidelines, please refer to UI000323.]


1 HKSAR, China 中國香港特別行政區 Std (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* Std* Std* D D D Region B


2 Macau SAR, China 中國澳門特別行政區 Std (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D Region B


3 Malaysia 馬來西亞 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


4 Singapore 新加坡 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


5 South Korea 南韓 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


6 Taiwan 台灣 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


7 Australia 澳洲 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


8 Canada 加拿大 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


9 Europe (Western) 1 西歐國家1 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


10 New Zealand 新西蘭 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


11 United Kingdom 英國 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* D Std* D D D D


12 United States 美國 Std 9 (Region B) Std* Std* Region B Std* Std* Std* Std* Region B 10 D Std* D Std* D D D D


13 China 中國 Std* (Region B) Std* Std* Region B Std* Std* Std* Std* Region B D Std* Std* Std* D D D Region B


14 South Africa 3 南非3 Std 11 (Region B) Std* 15 ^ Std* 15 Region B D D D D D D D D D D D D D
15 Dubai 杜拜 Std 11 (Region B) Std* 15 ^ Std* 15 Region B D D D D D D D D D D D D D


16 Abu Dhabi 阿布扎比 Std 11 (Region B) Std* 15^ Std* 15 Region B D D D D D D D D D D D D D
17 Belize 伯利茲 Std 11 (Region B) D D D D D D D D D D D D D D D D
18 Argentina 阿根廷 +1pm 11 (Region B) D D D D D D D D D D D D D D D D
19 India 4 印度4 +2pm 11 (Region B) D D D D D D D D D D D D D D D D
20 Vietnam 越南 +2pm 11 (Region B) D D D D D D D D D D D D D D D D


21 Indonesia 5 印尼5 +2pm 11 (Region B) +75%*^ D +75%*^ (Region B) D D +75%*^ D D D D D D D D D D


22 Thailand 6 泰國6 +2pm 11 (Region B) +75%*^ D +75%*^ (Region B) D D +75%*^ D D D D D D D D D D


23 Philippines 7 菲律賓7 +2pm 11 (Region B) +75%*^ D +75%*^ (Region B) D D +75%*^ D D D D D D D D D D
24 Nepal 尼泊爾 +4pm 11 (Region B) D D D D D D D D D D D D D D D D
For PVP Residential Guidelines, please refer to UI000323.
Group 3: Applicable for Mainland Chinese
20230707


Residential Rating 居住風險評級	Basic Life	Crisis Cover (CC)/ LC / LCE / EGP / EGPM	CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM	MLP / MLPM	HTPR / HTPRM	HCP	PPM / PMP/ PMPM / CP / CPE	AEC2 / PAA / PAP	AC / AAB / PAE	P10A	WP / PB	TPD / DIS	DIB	LTC	CRC 13
R1	Std 9 14	Std	Region A	Std	Std	Std#	Region A 10	D	Std	D	Std	D	D	D	Region A 13
R2	Std 9 14	Std	Region A	D	D	D	D	D	Std	D	Std	D	D	D	D


R3	Std 9 14	Std*	Region B	Std*	Std*	Std*	Region B 10	D	Std*	D	Std*	D	D	D	Region B 13
R4	Std 11 14	D	D	D	D	D	D	D	D	D	D	D	D	D	D
R5	+1pm 11 14	D	D	D	D	D	D	D	D	D	D	D	D	D	D
R6	+2pm 11 14	D	D	D	D	D	D	D	D	D	D	D	D	D	D
R7	+4pm 11 14	D	D	D	D	D	D	D	D	D	D	D	D	D	D
]


HKSAR, China 中國香港 特別行政區 Macau SAR, China 中國澳門 特別行政區 Malaysia 馬來西亞 Singapore 新加坡 South Korea 南韓 Taiwan 台灣 Australia 澳洲 Canada 加拿大 Europe (Western) 1 西歐國家 1 New Zealand 新西蘭 United Kingdom 英國 United States 美國 China 中國 South Africa 3 南非 3 Dubai 杜拜 Belize 伯利茲 Argentina 阿根廷 India 4 印度4 Vietnam 越南 Indonesia 5 印尼5 Thailand 6 泰國6 Philippines 7 菲律賓7 Nepal 尼泊爾

Passport / ID Document護照 /身份證明文件 Malaysia 馬來西亞 R1 R2 R3

Singapore 新加坡

South Korea 南韓

Taiwan 台灣

Australia 澳洲

Canada 加拿大

Europe (Western) 1 西歐國家1

New Zealand 新西蘭

Japan 2 日本2

United Kingdom 英國

United States 美國

South Africa 3 南非3

Dubai 杜拜

Belize 伯利茲

Argentina 阿根廷

India 4 印度4

Vietnam 越南

Indonesia 5 印尼5

Thailand 6 泰國 6

Philippines 7 菲律賓 7

Nepal 尼泊爾


[Group 4: Applicable for Foreigners	Place of Residence慣常居住地
HKSAR, China 中國香港 特別行政區	Macau SAR, China 中國澳門 特別行政區	Malaysia 馬來西亞	Singapore 新加坡	South Korea 南韓	Taiwan 台灣


Australia 澳洲	Canada 加拿大	Europe (Western) 1 西歐國家 1	New Zealand 新西蘭	United Kingdom 英國	United States 美國	China 中國	South Africa 3 南非 3	Dubai 杜拜	Belize 伯利茲	Argentina 阿根廷	I


ndia 4 印度4	Vietnam 越南	Indonesia 5 印尼5	Thailand 6 泰國6	Philippines 7 菲律賓7	Nepal 尼泊爾
Passport / ID Document護照 /身份證明文件	Malaysia 馬來西亞	R1	R2	R3
Singapore 新加坡
South Korea 南韓
Taiwan 台灣
Australia 澳洲
Canada 加拿大
Europe (Western) 1 西歐國家1
New Zealand 新西蘭
Japan 2 日本2
United Kingdom 英國
United States 美國
South Africa 3 南非3
Dubai 杜拜
Belize 伯利茲
Argentina 阿根廷
India 4 印度4
Vietnam 越南
Indonesia 5 印尼5
Thailand 6 泰國 6
Philippines 7 菲律賓 7
Nepal 尼泊爾


For PVP Residential Guidelines, please refer to UI000323.]
"Residential Rating 居住風險評級":"R1"
"Basic Life":"Std 9 14"
"Crisis Cover (CC)/ LC / LCE / EGP / EGPM":"Std"
"CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM":"Region A"
"MLP / MLPM":"Std"
"HTPR / HTPRM":"Std"
"HCP":"Std#"
"PPM / PMP/ PMPM / CP / CPE":"Region A 10"
"AEC2 / PAA / PAP":"D"
"AC / AAB / PAE":"Std"
"P10A":"D"
"WP / PB":"Std"
"TPD / DIS":"D"
"DIB":"D"
"LTC":"D"
"CRC 13":"Region A 13"


"Residential Rating 居住風險評級":"R2"
"Basic Life":"Std 9 14"
"Crisis Cover (CC)/ LC / LCE / EGP / EGPM":"Std"
"CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM":"Region A"
"MLP / MLPM":"D"
"HTPR / HTPRM":"D"
"HCP":"D"
"PPM / PMP/ PMPM / CP / CPE":"D"
"AEC2 / PAA / PAP":"D"
"AC / AAB / PAE":"Std"
"P10A":"D"
"WP / PB":"Std"
"TPD / DIS":"D"
"DIB":"D"
"LTC":"D"
"CRC 13":"D"


"Residential Rating 居住風險評級":"R3"
"Basic Life":"Std 9 14"
"Crisis Cover (CC)/ LC / LCE / EGP / EGPM":"Std*"
"CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM":"Region B"
"MLP / MLPM":"Std*"
"HTPR / HTPRM":"Std*"
"HCP":"Std*"
"PPM / PMP/ PMPM / CP / CPE":"Region B 10"
"AEC2 / PAA / PAP":"D"
"AC / AAB / PAE":"Std*"
"P10A":"D"
"WP / PB":"Std*"
"TPD / DIS":"D"
"DIB":"D"
"LTC":"D"
"CRC 13":"Region B 13"


"Residential Rating 居住風險評級":"R4"
"Basic Life":"Std 11 14"
"Crisis Cover (CC)/ LC / LCE / EGP / EGPM":"D"
"CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM":"D"
"MLP / MLPM":"D"
"HTPR / HTPRM":"D"
"HCP":"D"
"PPM / PMP/ PMPM / CP / CPE":"D"
"AEC2 / PAA / PAP":"D"
"AC / AAB / PAE":"D"
"P10A":"D"
"WP / PB":"D"
"TPD / DIS":"D"
"DIB":"D"
"LTC":"D"
"CRC 13":"D"


"Residential Rating 居住風險評級":"R5"
"Basic Life":"+1pm 11 14"
"Crisis Cover (CC)/ LC / LCE / EGP / EGPM":"D"
"CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM":"D"
"MLP / MLPM":"D"
"HTPR / HTPRM":"D"
"HCP":"D"
"PPM / PMP/ PMPM / CP / CPE":"D"
"AEC2 / PAA / PAP":"D"
"AC / AAB / PAE":"D"
"P10A":"D"
"WP / PB":"D"
"TPD / DIS":"D"
"DIB":"D"
"LTC":"D"
"CRC 13":"D"


"Residential Rating 居住風險評級":"R6"
"Basic Life":"+2pm 11 14"
"Crisis Cover (CC)/ LC / LCE / EGP / EGPM":"D"
"CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM":"D"
"MLP / MLPM":"D"
"HTPR / HTPRM":"D"
"HCP":"D"
"PPM / PMP/ PMPM / CP / CPE":"D"
"AEC2 / PAA / PAP":"D"
"AC / AAB / PAE":"D"
"P10A":"D"
"WP / PB":"D"
"TPD / DIS":"D"
"DIB":"D"
"LTC":"D"
"CRC 13":"D"


"Residential Rating 居住風險評級":"R7"
"Basic Life":"+4pm 11 14"
"Crisis Cover (CC)/ LC / LCE / EGP / EGPM":"D"
"CIM2 / CIM3 / BCIM3 / CIM3M / BCIM3M / CIT2 / CIP2 / ECI / ECM / ECS / ECIM / ECMM / ECSM":"D"
"MLP / MLPM":"D"
"HTPR / HTPRM":"D"
"HCP":"D"
"PPM / PMP/ PMPM / CP / CPE":"D"
"AEC2 / PAA / PAP":"D"
"AC / AAB / PAE":"D"
"P10A":"D"
"WP / PB":"D"
"TPD / DIS":"D"
"DIB":"D"
"LTC":"D"
"CRC 13":"D"
For PVP Residential Guidelines, please refer to UI000323.
20230707


Country/Region List on EGS, EGSP & EGSP2 / EGM / EGM2 / EGA / EGC / EGCM / EGI / EGIP / P8S
[Country/Region List on EGS, EGSP & EGSP2 / EGM / EGM2 / EGA / EGC / EGCM / EGI / EGIP / P8S
Acceptable Country / Region


1	Argentina	阿根廷	16	India4	印度4	31	Saudi Arabia	沙特阿拉伯
2	Australia	澳大利亞	17	Indonesia5	印尼5	32	Serbia	塞爾維亞


3	Bangladesh8	孟加拉8	18	Laos8	老撾8	33	Singapore	新加坡
4	Belize	伯利茲	19	Lithuania	立陶宛	34	Slovakia	斯洛伐克
5	Brazil8	巴西8	20	Macau SAR, China	中國澳門特別行政區	35	Slovenia	斯洛文尼亞


6	Brunei	汶萊	21	Malaysia	馬來西亞	36	South Africa3	南非3
7	Bulgaria	保加利亞	22	Maldives	馬爾代夫	37	South Korea	南韓


8	Canada	加拿大	23	Malta	馬耳他	38	Taiwan	台灣
9	Croatia	克羅地亞	24	Monaco	摩納哥	39	Thailand6	泰國6
10	Cyprus	塞浦路斯	25	Nepal	尼泊爾	40	Turkey8	土耳其8


11	Czech Republic	捷克	26	New Zealand	新西蘭	41	United Arab Emirates	阿拉伯聯合酋長國
12	Estonia	愛沙尼亞	27	Philippines7	菲律賓7	42	United Kingdom	英國


13	Europe (Western)1	西歐國家 1	28	Poland	波蘭	43	United States	美國
14	Greece	希臘	29	Qatar	卡塔爾	44	Vietnam	越南


15	Hungary	匈牙利	30	Romania	羅馬尼亞
]
1	This guideline is applicable to HKSAR ID holder, MSAR ID holder and Mainland Chinese only who are residing in the corresponding countries / regions. For foreign nationals, please submit agent memo to clarify reason to apply insurance in HKSAR, China / MSAR, China and any connections with the SAR.


2	This guideline is for residential rating only, final decision will be subject to Enhanced Customer Due Diligence (EDD) and AML risk assessment.


3	All the countries / regions on this list will be limited to all EGS, EGSP, EGSP2, EGC, EGCM and P8S policies with maximum aggregate APE HKD $10,000,000 only. Individual consideration will be applied if aggregate APE of all EGS, EGSP, EGSP2, EGC, EGCM and P8S policies are over HKD $10,000,000 per Life Assured.


4	All the countries / regions on this list will be limited to EGM/EGM2/EGA/EGI/EGIP with maximum aggregate notional amount* USD 12,500,000 only.
5	Underwriting reserves the right to obtain further information / evidence if deemed necessary.


[1	This guideline is applicable to HKSAR ID holder, MSAR ID holder and Mainland Chinese only who are residing in the corresponding countries / regions. For foreign nationals, please submit agent memo to clarify reason to apply insurance in HKSAR, China / MSAR, China and any connections with the SAR.


4	All the countries / regions on this list will be limited to EGM/EGM2/EGA/EGI/EGIP with maximum aggregate notional amount* USD 12,500,000 only.


5	Underwriting reserves the right to obtain further information / evidence if deemed necessary.

* EGM / EGM2 / EGA / EGI Single Premium = Notional Amount]

1 Argentina 阿根廷 16 India4 印度4 31 Saudi Arabia 沙特阿拉伯

2 Australia 澳大利亞 17 Indonesia5 印尼5 32 Serbia 塞爾維亞

3 Bangladesh8 孟加拉8 18 Laos8 老撾8 33 Singapore 新加坡

4 Belize 伯利茲 19 Lithuania 立陶宛 34 Slovakia 斯洛伐克

5 Brazil8 巴西8 20 Macau SAR, China 中國澳門特別行政區 35 Slovenia 斯洛文尼亞

6 Brunei 汶萊 21 Malaysia 馬來西亞 36 South Africa3 南非3

7 Bulgaria 保加利亞 22 Maldives 馬爾代夫 37 South Korea 南韓

8 Canada 加拿大 23 Malta 馬耳他 38 Taiwan 台灣

9 Croatia 克羅地亞 24 Monaco 摩納哥 39 Thailand6 泰國6

10 Cyprus 塞浦路斯 25 Nepal 尼泊爾 40 Turkey8 土耳其8

11 Czech Republic 捷克 26 New Zealand 新西蘭 41 United Arab Emirates 阿拉伯聯合酋長國

12 Estonia 愛沙尼亞 27 Philippines7 菲律賓7 42 United Kingdom 英國

13 Europe (Western)1 西歐國家 1 28 Poland 波蘭 43 United States 美國

14 Greece 希臘 29 Qatar 卡塔爾 44 Vietnam 越南

15 Hungary 匈牙利 30 Romania 羅馬尼亞


* EGM / EGM2 / EGA / EGI Single Premium = Notional Amount
* EGIP Total Amount of Regular Annual Premium = Notional Amount
* Aggregate notional amount for EGM / EGM2 / EGA / EGI / EGIP means aggregate notional amount for all EGM, EGM2, EGA, EGI and EGIP policies
20230707
Notes
* Details refer to Mainland Guideline
# limited Max USD 100 for HCP / Max USD 30,000 for AEC2 / Max Aggregate Sum Assured for AEC2 & PAP is USD 50,000 ^ Please refer to below table


1 Apply to Austria, Belgium, Denmark, Finland, France, Germany, Iceland, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden and Switzerland only 2 Details refer to Japanese Guideline 3 Apply to Johannesburg, Cape Town and Durban only 4 Except Jammu and Kashmir 5 Except Aceh, Papua, Central Sulawesi and Maluku 6 Except Narathiwat, Pattani, Songkhla and Yala Province 7 Except Mindano, Sulu Archipelago and Zamboanga Peninsula 8 Capital city only


10 For US clients / Clients living in USA, only offer Worldwide coverage without USA for PPM applications
15 For non-gainfully employed Life Proposed (Juvenile / Student / Housewife), their spouse / parents (gainfully employed) must apply same amount of insurance coverage with Prudential. The maximum limit of sum assured will be HK$4,000,000.
14 For residents in countries / regions other than China, Region A should be applied for PLT. For residents in China, Region B should be applied for PLT.


13 CRC is only applicable for HKSAR, China/Macau SAR, China/Mainland Chinese citizen who is currently residing in the said 3 country / regions.
[13 CRC is only applicable for HKSAR, China/Macau SAR, China/Mainland Chinese citizen who is currently residing in the said 3 country / regions.
12 All basic life plans can be offered (Except Mortgage Life Assurance Plan II, Preferred PRUterm, PRUcash XPO and PRUparent plan)]


"":"Plan available:"
"Crisis Cover Plan":"PRUhealth critical illness multi-care prestige (CIM2/CIM2H) PRUHealth Guardian Critical Illness Plan (CIM3/CIM3H/CIM3M) PRUH


ealth Baby Guardian Critical Illness Plan (BCIM3/BCIM3H/BCIM3M) PRUhealth critical illness protector (CIR2/CIR2H) PRUHealth Critical Illness Extended Care II (CIE2/CI


E2H) PRUHealth Critical Illness Extended Care III (CIE3/CIE3H/CIE3M) PRUHealth Critical Illness First Protect (CIP) PRUHealth Critical Illness First Protect II (CIP2) PRUHealth Critical Illness Term II (CIT2R) EasyWell Critical Illness Protector (ECI/ ECIM) EasyWell Critical Illness MultiCare (ECM/ECMM) EasyWell Severe Cancer Care (ECS/ECSM)"
"Medical plan":"PRUhealth secure top-up plan (HTPR/HTPRM)"


"":"Maximum Sum Assured:"
"Crisis Cover Plan":"Gainfully employed (Paper work only) USD 500,000 / HKD 4,000,000 Juvenile (under age 18) / Student / Housewife USD 500,000 / HKD 4,000,000"
"Medical plan":"Ward plan only Deductible must be USD 6,250 / HKD 50,000"
12 All basic life plans can be offered (Except Mortgage Life Assurance Plan II, Preferred PRUterm, PRUcash XPO and PRUparent plan)


9 All basic life plans can be offered (Except Mortgage Life Assurance Plan II, Preferred PRUterm, PRUcash XPO, PRUparent plan and DIS / BPO) 11 All basic life plans can be offered (Except 5TCCS, Double Treasure Plan, Mortgage Life Assurance Plan II, Preferred PRUterm, PRUcash XPO, PRUparent plan, DIS / BPO, Other Package Plans)
Std: Standard D: Decline +1pm: + USD 1 per USD 1000 sum assured; +2pm: + USD 2 per USD 1000 sum assured, etc.
Underwring Guidelines on Japanese Application


Under the Insurance Business Law of Japan, any foreign insurance company not licensed in Japan is prohibited from selling insurance policies to
(i) a person of company who has an address in Japan; and (ii) a resident of Japan.
This regulation applies even if selling process takes place outside Japan
Individual Insurance
The Company will not accept any applications for life insurance products from any person (including policyowner and / or life assured) who either


(i) provides a Japanese address or (ii) maintains a residence in Japan.
[(i) provides a Japanese address or (ii) maintains a residence in Japan.
Business Insurance]


"Types of Identity Documents submitted / declared":"Japan Passport"
"Residential / Correspondence / Permanent Address":"Japan"
"Accept (Yes / No)":"No"
"Requirements":"NA"


Other than Japan Yes Proposer and/or Life proposed are required to submit SIF to make the following declaration “I/We, Proposer and/or Life proposed, do not live in Japan and do not maintain a Japanese address.”


"Types of Identity Documents submitted / declared":"HK Permanent ID Card"
"Residential / Correspondence / Permanent Address":"Japan"
"Accept (Yes / No)":"No"
"Requirements":"NA"
Other than Japan Yes NA


"Types of Identity Documents submitted / declared":"Others"
"Residential / Correspondence / Permanent Address":"Japan"
"Accept (Yes / No)":"No"
"Requirements":"NA"
Other than Japan Yes NA
Business Insurance
The Company will only accept application from a company
(i) which is registered in HKSAR, China / MSAR, China and has a registered office in HKSAR, China / MSAR, China; and
(ii) the life assured(s) does not (i) provide a Japanese address or (ii) maintain a residence in Japan


Guideline on High Risk Countries
[Guideline on High Risk Countries
Guideline on High Risk Countries]


"1":"2"
"This guideline aims to list the basic requirements for Anti-Money Laundering and Counter-Terrorist Financing (AML & CTF) review only, NOT representing these high risk countries could be offered for an insurance coverage. For details, please refer to below instruction for use.":"For the list of high risk countries, please refer to PIL - COM000056."


"1":"3"
"This guideline aims to list the basic requirements for Anti-Money Laundering and Counter-Terrorist Financing (AML & CTF) review only, NOT representing these


high risk countries could be offered for an insurance coverage. For details, please refer to below instruction for use.":"Instruction for use: Step 1 - Find the resid


ential rating Please refer to the Residential Underwriting Guideline on previous pages, to determine whether customer could be offered with an insurance plan accordin


g to his/her residential risk. If an insurance plan could be offered, please continue to step 2. Step 2 - Whether customer is involved in a high risk country Please r


efer to PIL-COM000056 to check if customer is involved in a high risk country based on his/her residential address OR business address OR nationality OR other information linked to high risk country. If customer's background involves high risk country, please refer to the guideline on High Risk Countries to prepare documents for AML & CTF review. Example illustrations"


Identity Place of Residence Step 1 - Find the residential rating Step 2 - Whether customer is involved in a high risk country Explanation


Mainland Chinese (Group 3) The Philippines^ Life +2 per mille Crisis Cover +75% (Region B) Yes (The Philippines is a high risk country.) Life and Crisis Cover could be offered under this residential risk, and customer’s information is linked to a high risk country, he/she may refer to this guideline to prepare documents for AML & CTF review.


Indian (Group 4) China Life +2 per mille Reject Crisis Cover application Yes (India is a high risk country.) Due to residential risk, no Crisis Cover would be offered. While for life plan application, Life Cover could be offered under this residential risk, and customer’s information is linked to a high risk country, he/she may refer to this guideline to prepare documents for AML & CTF review.


Mainland Chinese (Group 3) Iraq Reject all applications, including 101 products (e.g. EGC, EGSP2) Yes (Iraq is a high risk country.) As no applications could be offered under this residential risk, guideline on High Risk Countries is not applicable to this case.
^Except Mindano, Sulu Archipelago and Zamboanga Peninsula


"1":"3"
"This guideline aims to list the basic requirements for Anti-Money Laundering and Counter-Terrorist Financing (AML & CTF) review only, NOT representing these high risk countries could be offered for an insurance coverage. For details, please refer to below instruction for use.":"The requirements below apply to proposer. If proposer and premium payer are not the same person, documents required below should be provided by premium payer."


"1":"4"
"This guideline aims to list the basic requirements for Anti-Money Laundering and Counter-Terrorist Financing (AML & CTF) review only, NOT representing these high risk countries could be offered for an insurance coverage. For details, please refer to below instruction for use.":"Please avoid to pay the initial premium in cash. If initial premium is paid in cash, our Company reserves the right to request for further documents."


"1":"5"
"This guideline aims to list the basic requirements for Anti-Money Laundering and Counter-Terrorist Financing (AML & CTF) review only, NOT representing these high risk countries could be offered for an insurance coverage. For details, please refer to below instruction for use.":"If the provided documents cannot fulfill the Enhanced Customer Due Diligence (EDD) measures, our Company reserves the right to request for further documents."
Guideline on High Risk Countries


[Guideline on High Risk Countries
20230707]
Aggregate Annualized Premium Note 1 Single Premium / Single & Aggregate Annualized Premium Note 1


1 < 200,000 < 500,000 No further document required in normal situation, subject to: > Application for critical illness OR medical plans OR regular pay life plans; AND > Initial payment being NOT settled by cash. If the above conditions are not met, please refer to the requirements in Category 2.


2 200,000 - 500,000 500,000 - 1,000,000 • Financial Declaration • Proof of occupation / business ownership > For employee: recent employment letter OR pay slip OR tax return OR name card > For business owner: company registration document (e.g. Certificate of Incorporation and Articles of Incorporation) AND business registration document (e.g. Business Registration Certificate) • Payment proof to show the source of premium Note 2


3 > 500,000 > 1,000,000 • Financial Declaration • Proof of occupation (with income information) / business ownership AND income: > For employee: - Recent employment l


etter (with income information); OR - Pay slips for the past 3 months; OR - Tax returns for the past 3 years > For business owner: - Company registration document (e.


g. Certificate of Incorporation and Articles of Incorporation); AND - Business registration document (e.g. Business Registration Certificate); AND - Audited financial statements OR tax returns of the company for the past 3 years • Others supporting documents, such as > Bank reference letter > Bank statement to certify savings > Proof of ownership of property > Any other proof of income and assets • Payment proof to show the source of premium Note 2
20230707
Guideline on High Risk Countries Notes


• • • financial requirements.
Note 2
For premium financing applications, total premium pay (portion of premium paid by proposer + loan amount) will be counted to determine
Note 1
Aggregate Annualized Premium includes Top-Up Premium and Loading Premium. Paid Up regular premium paying policies are excluded from the calculation.
Single Premium includes Lump-Sum Top-up, Prepaid Premium, Premium in Premium Deposit Account and Suspense Account.


[Single Premium includes Lump-Sum Top-up, Prepaid Premium, Premium in Premium Deposit Account and Suspense Account.
]
1 Credit card - the transaction record
2 Personal cheque - copy or photo of the cheque


3 Cashier's order - copy or photo of the front and back page (with bank endorsement) of the Cashier's Order


4 Online payment (e.g. PPS) - the transaction record of the corresponding bank account
5 Telegraphic Transfer (TT) - relevant bank transaction record


6 Cash *Please avoid to pay the initial premium in cash. - relevant transaction record (e.g. cash withdrawal slip, currency exchange receipt, etc.); and our Company reserves the right to request for further documents.


信用等级通知书
东方金诚债评字【2023】0263 号
华电国际电力股份有限公司：
东方金诚国际信用评估有限公司信用评级委员会通过对贵公司及拟 发行的“华电国际电力股份有限公司 2023 年度第五期中期票据” 信用状况进行综合分析和评估，评定贵公司主体信用等级为AAA， 评级展望为稳定，本期中期票据信用等级为AAA。
东方金诚国际信用评估有限公司 二〇二三年四月二十五日
信用评级报告声明
为正确理解和使用东方金诚国际信用评估有限公司（以下简称“东方金诚”）出具的信用评级 报告（以下简称“本报告”），本公司声明如下：
1.本次评级为委托评级，东方金诚与评级对象不存在任何影响本次评级行为独立、客观、公正 的关联关系，本次项目评级人员与评级对象之间亦不存在任何影响本次评级行为独立、客观、 公正的关联关系。
2.本次评级中，东方金诚及其评级人员遵照相关法律、法规及监管部门相关要求，充分履行了 勤勉尽责和诚信义务，有充分理由保证本次评级遵循了真实、客观、公正的原则。
3.本评级报告的结论，是按照东方金诚的评级流程及评级标准做出的独立判断，未受评级对象 和第三方组织或个人的干预和影响。


4.本次评级依据委托方提供的资料和/或已经正式对外公布的信息，相关信息的合法性、真实性、 准确性、完整性均由资料提供方和/或发布方负责，东方金诚按照相关性、可靠性、及时性的原 则对评级信息进行合理审慎的核查分析，但不对资料提供方和/或发布方提供的信息合法性、真 实性、准确性及完整性作任何形式的保证。
5.本报告仅为受评对象信用状况的第三方参考意见，并非是对某种决策的结论或建议。东方金 诚不对发行人使用/引用本报告产生的任何后果承担责任，也不对任何投资者的投资行为和投资 损失承担责任。
6.本报告自出具日起生效，在受评债项的存续期内有效。其中主体评级结果有效期自 2023 年 4 月 25 日至 2024 年 4 月 24 日有效，该有效期除终止评级外，不因任何原因调整。在评级结果 有效期内，东方金诚有权作出跟踪评级、变更等级、撤销等级、中止评级、终止评级等决定， 必要时予以公布。


7.本报告的著作权等相关知识产权均归东方金诚所有。除委托评级合同约定外，委托方、受评 对象等任何使用者未经东方金诚书面授权，不得用于发行债务融资工具等证券业务活动或其他 用途。使用者必须按照东方金诚授权确定的方式使用并注明评级结果有效期限。东方金诚对本 报告的未授权使用、超越授权使用和不当使用行为所造成的一切后果均不承担任何责任。
8.本声明为本报告不可分割的内容，委托方、受评对象等任何使用者使用/引用本报告，应转载 本声明。
东方金诚国际信用评估有限公司 2023 年 4 月 25 日
邮箱：dfjc@coamc.com.cn 电话：010-62299800
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华电国际电力股份有限公司 2023年度第五期中期票据信用评级报告 主体信用等级1
AAA
评级展望 本期中期票据信用等级 评级日期 稳定 AAA 2023/4/25 评级组长 张伟 小组成员 聂飞虹
主体概况


公司为中国华电集团有限公司（以下简称“华电集 团”）常规能源发电资产的整合平台，主要从事发 电、供热及售煤等业务。截至 2022 年末，公司注 册资本和实收资本均为 98.70 亿元，华电集团直接 持有公司 46.81%股权，为公司控股股东；国务院 国有资产监督管理委员会为公司实际控制人。
截至 2023年 3 月末，“华电定转”累计转股股数 为 0.24亿股，公司已发行总股本增至 98.94 亿股。
本期中期票据概况
发行规模：20 亿元，其中品种一发行 10 亿元、品 种二发行 10 亿元
发行期限：品种一为 2+N（2）年，品种二为 3+N （3）年，于公司依照发行条款的约定赎回之前长 期存续，并在公司依据发行条款的约定赎回时到期 付息方式：每年付息一次，附利息递延支付选择权 资金用途：偿还到期债务及补充流动资金
偿付顺序：本期中期票据的本金和利息在破产清算 时的清偿顺序劣后于公司的普通债务
评级模型
注：最终评级结果由信评委参考评级模型输出结果通过投票评定，可能与评级模型输出结果存在差异。
一级指标 二级指标 权重（%） 得分


企业规模 控股装机容量 15.00 15.00 发电量 15.00 15.00 营业收入 10.00 10.00
电力资产质量及
结构 电力资产质量 10.00 8.00 清洁能源装机占比 5.00 3.02
成本控制及
盈利能力 综合毛利率 5.00 0.00 总资产收益率 5.00 0.00
债务率及 保障程度 资产负债率 10.00 7.65 经营现金流动负债比率 12.50 2.21 EBITDA 利息倍数 12.50 9.75 调整因素 无 个体信用状况 aa 外部支持 +2 评级模型结果
AAA
评级观点
东方金诚认为，公司发电设备装机规模优势明显，在电力生产市场具有很强的竞争优势，2022 年现金流状况明显好转； 公司为华电集团常规能源发电资产的整合平台，能够获得的外部支持作用较强。同时，东方金诚也关注到，公司净利润连续 两年处于亏损状态，债务率水平较高。综合分析，公司偿债能力及抗风险能力极强，基本不受不利经济环境的影响，本期中 期票据到期不能偿付的风险极小。


[东方金诚认为，公司发电设备装机规模优势明显，在电力生产市场具有很强的竞争优势，2022 年现金流状况明显好转； 公司为华电集团常规能源发电资产的整合平台，能够获得的外部支持作用较强。同时，东方金诚也关注到，公司净利润连续 两年处于亏损状态，债务率水平较高。综合分析，公司偿债能力及抗风险能力极强，基本不受不利经济环境的影响，本期中 期票据到期不能偿付的风险极小。
注：以上企业最新主体信用等级均为AAA/稳定，数据来源自各企业公开披露的 2022 年数据；东方金诚整理。]


"同业比较":"经营现金流动负债比（%）"
"":"15.30"
"":"19.98"
"":"32.91"
"":"18.98"
"同业比较":"EBITDA 利息倍数（倍）"
"":"2.92"
"":"-"
"":"-"
"":"-"
注：以上企业最新主体信用等级均为AAA/稳定，数据来源自各企业公开披露的 2022 年数据；东方金诚整理。
1 本次主体评级信息的有效期列示于信用等级通知书，有效期满后自动失效，请报告使用者仅参考处于有效期内的主体评级信息。
近三年公司营业收入（单位：亿元）
主要数据和指标


公司发电设备装机规模优势明显，装机结构以大容量和高效率火电机组为主，同时电力资产区域分布较为多样，在电 力生产市场具有很强的竞争优势；
受益于平均上网电价的上涨，公司 2022年经营活动现金流表现转为较大规模的净流入，现金流状况明显好转； 公司为华电集团常规能源发电资产的整合平台，主营业务与华电集团契合度很高，成立以来得到了华电集团的有力支 持，能够获得的外部支持作用较强。
关注
[由于煤炭价格仍处于较高水平，公司净利润连续两年处于亏损状态； 公司债务率水平较高，短期有息债务占比较大。
近三年公司全部债务结构（单位：亿元）]1,200 15 1,000 90 116 75 125 800 67 600 955 836 400 702 200 2020年 2021年 2022年 其他 发电业务 供热业务 售煤业务


评级展望
预计我国电力行业运行总体将保持稳定，公司业务发展稳定，财务表现稳健，对债务偿还具有极强的保障能力，评级展 望为稳定。
评级方法及模型
《电力企业信用评级方法及模型（RTFU004202208）》
历史评级信息
债项简称 主体信用等级 债项信用等级 评级时间 项目组 评级方法及模型 评级报告 23华电股MTN004A AAA/稳定 AAA 2023/04/13 张伟 聂飞虹 《电力企业信用评级方法及模型 （RTFU004202208）》 阅读原文
18华电股MTN001 AAA/稳定 AAA 2018/09/12 张伟 唐骊 《东方金诚电力企业信用评级方法》 阅读原文 注：以上为不完全列示。
主体概况
华电国际电力股份有限公司（以下简称“华电国际”或“公司”）原名为山东国际电源开 发股份有限公司（以下简称“山东电源开发”），是由原山东电力集团公司2等 5 家企业3于 1994 年 6 月共同投资成立的国有控股股份公司，初始股份为 38.25 亿股，中国华电集团有限公司（以 下简称“华电集团”）持股比例 75.93%。


1999 年 6 月，公司在香港联合交易所上市，并首次发行 H股 14.31 亿股，募集资金约人民 币 21.79 亿元4；2003 年 11 月，公司更为现名；2005 年 2 月，公司在上海证券交易所上市， 并首次发行 A股 7.65 亿股，募集资金约人民币 19.28 亿元。2006 年至今，公司通过公开和非 公开等方式分别发行A股 37.86股和H股 2.86亿股，分别实际募集人民币156.74亿元和13.84 亿元。截至 2022 年末，公司累计发行 A股 81.53 亿股、H股 17.17 亿股，注册资本和股本均 为 98.70 亿元，华电集团直接持有公司 46.81%股权，为公司控股股东；国务院国有资产监督管 理委员会（以下简称“国务院国资委”）为公司实际控制人。
根据公司 2023 年 4月 3日发布的《可转债转股结果暨股份变动公告》，截至 2023 年 3 月 31 日，累计有人民币 0.98 亿元“华电定转”5转换为公司股票，累计转股股数为 0.24 亿股，占 “华电定转”转股前公司已发行股份总额的 0.24%，公司已发行总股本增至 98.94 亿股。


公司为华电集团常规能源发电资产的整合平台，主要从事发电、供热及售煤等业务。截至 2022 年末，公司控股装机容量合计 5475.43 万千瓦，其中燃煤机组约 4370.00 万千瓦，其他主 要为燃气发电和水力发电等；2022 年，公司完成发电量 2209.32 亿千瓦时。
截至 2022 年末，公司纳入合并报表范围子公司共有 63 家。
债项概况及募集资金用途
主要条款
公司已取得中国银行间市场交易商协会授予接受注册文书（中市协注〔2022〕TDFI1 号）。 公司本期拟发行“华电国际电力股份有限公司 2023 年度第五期中期票据”（以下简称“本期中 期票据”），发行规模为 20.00 亿元，其中品种一发行 10 亿元，发行期限 2+N（2）年；品种 二发行 10 亿元，发行期限 3+N（3）年。公司与主承销商有权根据簿记建档情况对本期中期票 据各品种最终发行规模进行回拨调整；两个品种间可以进行双向回拨，回拨比例不受限制，两 个品种的最终发行金额合计不超过 20 亿元。本期中期票据在公司依照发行条款的约定赎回之前 长期存续，并在公司依据发行条款的约定赎回时到期。


本期中期票据采用固定利率计息方式，按年计息，品种一和品种二票面利率分别每 2 和 3
2 2003 年，全国电力体制改革完成后更名为中国华电集团公司；2017 年 12 月，中国华电集团公司由全民所有制企业改制为国有独资公司，改制后名称 为中国华电集团有限公司。 3 其余 4 家分别为山东省国际信托投资公司、中国电力信托投资有限公司、山东鲁能开发总公司和枣庄市基本建设投资公司。 4 按收款日中国人民银行公布的汇率中间价折算，下同。 5 2021 年 9 月，公司向建信金融资产投资有限公司和中银金融资产投资有限公司发行普通股A股和可转换公司债券购买其持有公司子公司的股份，累计 非公开发行股份 688.1562 万股，发行价格 4.36 元/股；可转债发行总额 14.70 亿元，最新转股价格为 4.11 元/股。
年重置一次，在前 2和 3 个计息年度内保持不变。如果公司不赎回本期中期票据，则品种一和 品种二分别从第3和4个计息年度开始，票面利率调整为当期基准利率加上初始利差再加上300 个基点；此后每 2和 3年重置票面利率以当期基准利率加上初始利差再加上 300 个基点确定6。


本期中期票据附利息递延支付选择权条款。除非发生强制付息事件，在本期中期票据的每 个付息日，公司可自行选择将当期利息以及按照本条款已经递延的所有利息及其孳息推迟至下 一个付息日支付，且不受到任何递延支付利息次数的限制；前述利息递延不构成公司未能按照 约定足额支付利息的行为。每笔递延利息在递延期间应按当期票面利率非累计计息。上述强制 付息事件包括，付息日前 12 个月内，向普通股股东分红（按照国有资产管理相关规定上交国有 资本收益除外）、减少注册资本。
同时，本期中期票据设置利息递延下的限制事项，即公司（母公司）有递延支付利息的情 形时，直至已递延利息及其孳息全部清偿完毕，不得从事的行为具体包括向普通股股东分红（按 照国有资产管理相关规定上交国有资本收益除外）、减少注册资本。
本期中期票据的本金和利息在破产清算时的清偿顺序劣后于公司的普通债务。
本期中期票据无担保。
募集资金用途
本期中期票据募集资金将全部用于偿还到期债务及补充流动资金。
个体信用状况
宏观经济与政策环境
相关政策出现重大调整，叠加稳增长政策发力显效，2022 年四季度经济增速好于预期；接 下来经济将进入回升过程，但通胀风险不大


四季度GDP 同比增速达到 2.9%，主要受外生性冲击加大影响，增速较上季度回落 1个百 分点，但好于市场普遍预期。这主要源于相关政策在 11 月之后持续做出重大调整，以及稳住经 济大盘一揽子政策及接续政策持续发力。从拉动经济增长的“三驾马车”来看，四季度基建投 资提速，带动投资对经济增长的拉动率显著增强；伴随海外高通胀迫使欧美央行持续大幅加息， 全球经济增长动能转弱，四季度我国出口转入同比负增长状态，外需对经济增长的贡献率转负； 外生性冲击下，四季度居民消费偏弱，但对经济增长仍有正向贡献。展望未来，外生性冲击平 息，居民消费场景恢复，以及宏观政策还会保持稳增长取向，一季度GDP 同比增速有望加快至 4.0%左右，内需修复将抵消外需下滑拖累，成为推动未来经济回升的主导力量。


主要受货币政策始终坚持不搞大水漫灌立场，国内商品和服务供给充分，以及居民消费偏 弱等因素影响，四季度 CPI 同比涨幅持续处于 3.0%以下的温和水平。2023 年居民消费增速将 有较快回升，但出现报复性消费的可能性不大，对物价推升作用有限，CPI 同比涨幅将继续处 于温和状态。国内通胀温和可控，与海外高通胀形成鲜明对比，正在为国内宏观政策坚持“以 我为主”提供有力支撑。
6 如果未来因宏观经济及政策变化等因素影响导致当期基准利率在利率重置日不可得，票面利率将采用票面利率重置日之前一期基准利率加上初始利差 再加上 300 个基点确定。
2023 年一季度宏观政策将保持稳增长取向，财政政策还有发力空间，货币政策也将在稳增 长方向持续发力，但政策性降息的可能性较小


2022 年基建投资（宽口径）同比增速达到 12.2%，显著高于上年 0.2%的增长水平，其中 四季度加发 5000 多亿元专项债、政策性金融工具支持基建投资全面发力等政策工具发挥了重要 作用。为支持经济较快修复，2023 年财政赤字率和新增专项债规模都会上调。另外，2023 年 部分专项债额度已提前下达，年初就会开闸发行，加之银行对基建领域贷款投放有望延续强劲 增长势头，短期内基建投资将保持两位数高增。货币政策方面，为支持经济较快修复，央行将 控制市场利率上行幅度，支持银行加大贷款投放力度。未来在经济回升过程中，央行下调政策 性利率（MLF 利率）的可能性较小。不过，为推动楼市尽快回暖，2023 年上半年 5 年期以上 LPR 报价存在下调的可能。整体上看，在经济回暖初期，宏观政策将保持稳增长取向。
行业分析
预计 2023 年全社会用电量增速同比显著提升，电源结构仍以火电为主，但新能源装机占 比将进一步提升，全国电力供需总体处于紧平衡状态


2022 年，我国全社会用电量同比增长 3.6%，大幅回落 6.7 个百分点；其中，第一、二、 三和四季度增速分别为 5.0%、0.8%、6.0%和 2.5%，受疫情等因素影响，第二、四季度电力消 费增速回落明显。用电结构方面，我国第二、三产业合计用电量占比仍维持于 80%以上，受宏 观经济运行状况影响很大。展望 2023 年，在疫情防控措施调整、房地产行业回暖进一步带动上 下游产业产能释放等积极因素影响下，预计我国用电量增速同比显著提升。
煤电是我国电力供应的最主要电源，2022 年对全口径发电量的贡献比重为 58.4%。其他机 组方面，因剩余可开发水电资源的开发难度和成本加大，水电装机容量增长缓慢，2022 年末为
4.14 亿千瓦；在大力发展新能源的背景下，太阳能、风电已成为近年新增发电机组的主力军， 同期末装机容量分别达到 3.93 亿千瓦和 3.65 亿千瓦，2023 年内有望超过水电装机规模。


从电力供需平衡来看，2022 年全国电力供需总体紧平衡，部分地区受雨雪、极端高温少雨 等天气影响用电高峰时段电力供需偏紧，全国 21 个省级电网用电负荷创新高。2023 年，全国 电力供需总体仍处于紧平衡状态，在迎峰度夏、迎峰度冬等用电高峰期，部分区域用电高峰时 段电力供需偏紧。
煤炭价格虽较峰值有所下降，但仍处于近年来的较高水平，而市场交易电价提升带来的边 际效应主要体现于 2022 年，预计 2023 年火电企业盈利水平同比变化不大，盈利空间仍将有限 近年来，我国煤炭行业的优质产能不断释放，同时生产开发布局深度调整，生产重心加快 向晋陕蒙新等地区集中。2022 年，全国原煤产量达到 45.6 亿吨，同比增长 10.5%，产量创历 史新高；晋陕蒙新等 4省（区）原煤产量为 36.9 亿吨，占全国比重为 80.9%，其中山西、内蒙 古原煤产量超过 10 亿吨。进口煤方面，2022 年全国进口煤炭为 2.93 亿吨，全年同比下降 9.2%。


从动力煤价格方面来看，2022 年全国动力煤中长期合同（5500 大卡下水煤）均价为 722 元/吨，同比上涨 73 元/吨，但年内峰谷差为 9元/吨左右，继续发挥了煤炭市场的“稳定器” 作用。受国际能源价格大涨等多重因素影响，2022 年煤炭市场现货价格总体呈高位波动态势，
年内价格峰谷差达到 900 元/吨左右；2022 年第四季度，随着我国动力煤供需形势逐步改善、 煤炭进口快速恢复，动力煤市场价格持续下行，但总体仍处于近年来的较高水平。
展望 2023 年，鉴于宏观经济运行将有所好转，而钢铁、建材等主要耗煤行业或受环保、绿 色转型等影响对煤炭需求有所减弱，全年煤炭总体需求适度增长。在提升能源生产供应保障能 力、发挥煤炭兜底保障作用要求下，全年煤炭主产区原煤产量将保持增长，但增速有所回落， 同时煤炭进口形式或继续改善，预计煤炭总体供需基本保持平衡，价格继续处于高位波动态势。


为打通价格传导机制、缓解电力企业经营压力，2021 年 10 月，国务院常务会议将市场交 易电价上下浮动范围扩大为原则上不超过 20%。受益于此，2022 年火电企业盈利状况较上年大 幅改善，亏损幅度明显收窄。但是，市场交易电价提升带来的边际效应主要体现于 2022 年，同 时 2023 年长协煤合同基准价同比保持稳定，现货煤炭价格继续处于高位波动态势，预计 2023 年火电企业盈利同比变化不大，盈利空间仍将有限。
长期来看，我国积极推进电力行业市场化改革，鼓励发电企业与售电企业、用户及电网企 业签订三方发购电协议，特别是中长期协议。同时，中央及各地政府不断推进煤电落后产能淘 汰、资源优化配置和煤电联营等措施，长期利好于稳定火电企业产能控制及企业经营效益提升。
业务运营
经营概况
公司营业收入逐年增长，收入结构以发电业务为主；受益于平均上网电价大幅上涨等因素， 公司 2022 年综合毛利率实现由负转正，但仍处于近年的较低水平
公司为华电集团常规能源发电资产的整合平台，主要从事发电、供热和售煤等业务。2020 年以来，公司营业收入保持增长，收入结构以发电业务为主。