2. Legal risks in the design of wealth management products.

3. Legal risks in the promotion and sales of wealth management products.

4. Legal risks in the use of wealth management funds.

5. Other legal risks.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 42 The borrower shall repay the loan principal and interest on schedule.

If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or stocks acquired by commercial banks due to the exercise of mortgage and pledge shall be punished within one year from the date of acquisition.

If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.

Article 48 Enterprises and institutions may independently choose a business place of a commercial bank to open a basic deposit account for daily transfer settlement and cash receipt and payment, and may not open more than two basic deposit account.

No unit or individual may open an account in the name of an individual to store its own funds.