尊敬的投资者：
我公司发行的邮银财富·鸿元两年定开15号(资本市场改革)人民币理财产品（产品代码：2101AL0015）于2021-03-08成立，截至2026-01-30的产品单位净值情况如下：
| 估值日期 | 产品份额净值（元） | 产品累计份额净值（元） | 认（申）购价格（元）/赎回价格（元） |
| 2026-01-30 | 1.1709 | 1.1709 | - |
| 2026-01-23 | 1.1736 | 1.1736 | - |
| 2026-01-16 | 1.1655 | 1.1655 | - |
| 2026-01-09 | 1.1589 | 1.1589 | - |
| 2026-01-04 | 1.1447 | 1.1447 | - |
| 2025-12-31 | 1.1446 | 1.1446 | - |
| 2025-12-26 | 1.1458 | 1.1458 | - |
| 2025-12-19 | 1.1364 | 1.1364 | - |
| 2025-12-12 | 1.1367 | 1.1367 | - |
| 2025-12-05 | 1.1356 | 1.1356 | - |
| 2025-11-28 | 1.1341 | 1.1341 | - |
| 2025-11-21 | 1.1276 | 1.1276 | - |
| 2025-11-14 | 1.1437 | 1.1437 | - |
| 2025-11-07 | 1.1453 | 1.1453 | - |
| 2025-10-31 | 1.1461 | 1.1461 | - |
| 2025-10-24 | 1.1434 | 1.1434 | - |
| 2025-10-17 | 1.1344 | 1.1344 | - |
| 2025-10-10 | 1.1457 | 1.1457 | - |
| 2025-10-09 | 1.1539 | 1.1539 | - |
| 2025-09-30 | 1.1488 | 1.1488 | - |
| 2025-09-26 | 1.1436 | 1.1436 | - |
| 2025-09-19 | 1.1418 | 1.1418 | - |
| 2025-09-12 | 1.1413 | 1.1413 | - |
| 2025-09-05 | 1.1356 | 1.1356 | - |
| 2025-08-29 | 1.1389 | 1.1389 | - |
| 2025-08-22 | 1.1317 | 1.1317 | - |
| 2025-08-15 | 1.1198 | 1.1198 | - |
| 2025-08-08 | 1.1179 | 1.1179 | - |
| 2025-08-01 | 1.1119 | 1.1119 | - |
| 2025-07-25 | 1.1143 | 1.1143 | - |
| 2025-07-18 | 1.1129 | 1.1129 | - |
| 2025-07-11 | 1.1075 | 1.1075 | - |
| 2025-07-04 | 1.1050 | 1.1050 | - |
| 2025-06-30 | 1.1045 | 1.1045 | - |
| 2025-06-27 | 1.1013 | 1.1013 | - |
| 2025-06-20 | 1.0942 | 1.0942 | - |
| 2025-06-13 | 1.0942 | 1.0942 | - |
| 2025-06-06 | 1.0927 | 1.0927 | - |
| 2025-05-30 | 1.0872 | 1.0872 | - |
| 2025-05-23 | 1.0874 | 1.0874 | - |
| 2025-05-16 | 1.0870 | 1.0870 | - |
| 2025-05-09 | 1.0885 | 1.0885 | - |
| 2025-05-06 | 1.0881 | 1.0881 | - |
| 2025-04-25 | 1.0809 | 1.0809 | - |
| 2025-04-18 | 1.0786 | 1.0786 | - |
| 2025-04-11 | 1.0772 | 1.0772 | - |
| 2025-04-07 | 1.0779 | 1.0779 | - |
| 2025-03-31 | 1.0801 | 1.0801 | - |
| 2025-03-28 | 1.0813 | 1.0813 | - |
| 2025-03-21 | 1.0823 | 1.0823 | - |
| 2025-03-14 | 1.0931 | 1.0931 | - |
| 2025-03-07 | 1.0986 | 1.0986 | 1.0986 |
| 2025-02-28 | 1.0963 | 1.0963 | - |
| 2025-02-21 | 1.1018 | 1.1018 | - |
| 2025-02-14 | 1.1030 | 1.1030 | - |
| 2025-02-07 | 1.1033 | 1.1033 | - |
| 2025-02-05 | 1.0986 | 1.0986 | - |
| 2025-01-24 | 1.0974 | 1.0974 | - |
| 2025-01-17 | 1.0973 | 1.0973 | - |
| 2025-01-10 | 1.0953 | 1.0953 | - |
| 2025-01-03 | 1.0970 | 1.0970 | - |
| 2024-12-31 | 1.1006 | 1.1006 | - |
| 2024-12-27 | 1.1022 | 1.1022 | - |
| 2024-12-20 | 1.1010 | 1.1010 | - |
| 2024-12-13 | 1.1027 | 1.1027 | - |
| 2024-12-06 | 1.0992 | 1.0992 | - |
| 2024-11-29 | 1.0943 | 1.0943 | - |
| 2024-11-22 | 1.0916 | 1.0916 | - |
| 2024-11-15 | 1.0918 | 1.0918 | - |
| 2024-11-08 | 1.0946 | 1.0946 | - |
| 2024-11-01 | 1.0897 | 1.0897 | - |
| 2024-10-25 | 1.0912 | 1.0912 | - |
| 2024-10-18 | 1.0912 | 1.0912 | - |
| 2024-10-11 | 1.0858 | 1.0858 | - |
| 2024-10-08 | 1.0984 | 1.0984 | - |
| 2024-09-30 | 1.0919 | 1.0919 | - |
| 2024-09-27 | 1.0862 | 1.0862 | - |
| 2024-09-20 | 1.0755 | 1.0755 | - |
| 2024-09-13 | 1.0743 | 1.0743 | - |
| 2024-09-06 | 1.0753 | 1.0753 | - |
| 2024-08-30 | 1.0769 | 1.0769 | - |
| 2024-08-23 | 1.0774 | 1.0774 | - |
| 2024-08-16 | 1.0789 | 1.0789 | - |
| 2024-08-09 | 1.0795 | 1.0795 | - |
| 2024-08-02 | 1.0833 | 1.0833 | - |
| 2024-07-26 | 1.0819 | 1.0819 | - |
| 2024-07-19 | 1.0844 | 1.0844 | - |
| 2024-07-12 | 1.0858 | 1.0858 | - |
| 2024-07-05 | 1.0835 | 1.0835 | - |
| 2024-06-30 | 1.0819 | 1.0819 | -- |
| 2024-06-28 | 1.0819 | 1.0819 | - |
| 2024-06-21 | 1.0827 | 1.0827 | - |
| 2024-06-14 | 1.0832 | 1.0832 | - |
| 2024-06-07 | 1.0843 | 1.0843 | - |
| 2024-05-31 | 1.0837 | 1.0837 | - |
| 2024-05-24 | 1.0837 | 1.0837 | - |
| 2024-05-17 | 1.0853 | 1.0853 | - |
| 2024-05-10 | 1.0821 | 1.0821 | - |
| 2024-05-06 | 1.0797 | 1.0797 | - |
| 2024-04-26 | 1.0765 | 1.0765 | - |
| 2024-04-19 | 1.0764 | 1.0764 | - |
| 2024-04-12 | 1.0756 | 1.0756 | - |
| 2024-04-07 | 1.0738 | 1.0738 | - |
| 2024-03-31 | 1.0714 | 1.0714 | -- |
| 2024-03-29 | 1.0714 | 1.0714 | - |
| 2024-03-22 | 1.0706 | 1.0706 | - |
| 2024-03-15 | 1.0700 | 1.0700 | - |
| 2024-03-08 | 1.0711 | 1.0711 | - |
| 2024-03-01 | 1.0736 | 1.0736 | - |
| 2024-02-23 | 1.0725 | 1.0725 | - |
| 2024-02-18 | 1.0651 | 1.0651 | - |
| 2024-02-09 | 1.0653 | 1.0653 | - |
| 2024-02-02 | 1.0604 | 1.0604 | - |
| 2024-01-26 | 1.0667 | 1.0667 | - |
| 2024-01-19 | 1.0646 | 1.0646 | - |
| 2024-01-12 | 1.0668 | 1.0668 | - |
| 2024-01-05 | 1.0676 | 1.0676 | - |
| 2023-12-31 | 1.0710 | 1.0710 | - |
| 2023-12-29 | 1.0709 | 1.0709 | - |
| 2023-12-22 | 1.0661 | 1.0661 | - |
| 2023-12-15 | 1.0684 | 1.0684 | - |
| 2023-12-08 | 1.0685 | 1.0685 | - |
| 2023-12-01 | 1.0713 | 1.0713 | - |
| 2023-11-24 | 1.0721 | 1.0721 | - |
| 2023-11-17 | 1.0734 | 1.0734 | - |
| 2023-11-10 | 1.0716 | 1.0716 | - |
| 2023-11-03 | 1.0700 | 1.0700 | - |
| 2023-10-27 | 1.0691 | 1.0691 | - |
| 2023-10-20 | 1.0690 | 1.0690 | - |
| 2023-10-13 | 1.0762 | 1.0762 | - |
| 2023-10-07 | 1.0766 | 1.0766 | - |
| 2023-09-30 | 1.0767 | 1.0767 | -- |
| 2023-09-28 | 1.0767 | 1.0767 | - |
| 2023-09-22 | 1.0763 | 1.0763 | - |
| 2023-09-15 | 1.0757 | 1.0757 | - |
| 2023-09-08 | 1.0759 | 1.0759 | - |
| 2023-09-01 | 1.0781 | 1.0781 | - |
| 2023-08-25 | 1.0757 | 1.0757 | - |
| 2023-08-18 | 1.0792 | 1.0792 | - |
| 2023-08-11 | 1.0810 | 1.0810 | - |
| 2023-08-04 | 1.0836 | 1.0836 | - |
| 2023-07-28 | 1.0829 | 1.0829 | - |
| 2023-07-21 | 1.0822 | 1.0822 | - |
| 2023-07-14 | 1.0835 | 1.0835 | - |
| 2023-07-07 | 1.0824 | 1.0824 | - |
| 2023-06-30 | 1.0819 | 1.0819 | - |
| 2023-06-25 | 1.0811 | 1.0811 | - |
| 2023-06-16 | 1.0821 | 1.0821 | - |
| 2023-06-09 | 1.0783 | 1.0783 | - |
| 2023-06-02 | 1.0780 | 1.0780 | - |
| 2023-05-26 | 1.0767 | 1.0767 | - |
| 2023-05-19 | 1.0766 | 1.0766 | - |
| 2023-05-12 | 1.0751 | 1.0751 | - |
| 2023-05-05 | 1.0754 | 1.0754 | - |
| 2023-04-28 | 1.0760 | 1.0760 | - |
| 2023-04-21 | 1.0757 | 1.0757 | - |
| 2023-04-14 | 1.0763 | 1.0763 | - |
| 2023-04-07 | 1.0763 | 1.0763 | - |
| 2023-03-31 | 1.0734 | 1.0734 | - |
| 2023-03-24 | 1.0723 | 1.0723 | - |
| 2023-03-17 | 1.0710 | 1.0710 | - |
| 2023-03-10 | 1.0709 | 1.0709 | - |
| 2023-03-07 | 1.0708 | 1.0708 | 1.0708 |
| 2023-03-03 | 1.0709 | 1.0709 | - |
| 2023-02-24 | 1.0707 | 1.0707 | - |
| 2023-02-17 | 1.0694 | 1.0694 | - |
| 2023-02-16 | 1.0706 | 1.0706 | - |
| 2023-01-31 | 1.0686 | 1.0686 | - |
| 2022-12-31 | 1.0609 | 1.0609 | -- |
| 2022-12-30 | 1.0606 | 1.0606 | - |
| 2022-11-30 | 1.0621 | 1.0621 | - |
| 2022-10-31 | 1.0656 | 1.0656 | - |
| 2022-09-30 | 1.0639 | 1.0639 | - |
| 2022-08-31 | 1.0650 | 1.0650 | - |
| 2022-07-31 | 1.0604 | 1.0604 | -- |
| 2022-06-30 | 1.0552 | 1.0552 | - |
| 2022-05-31 | 1.0516 | 1.0516 | - |
| 2022-04-30 | 1.0524 | 1.0524 | -- |
| 2022-03-31 | 1.0516 | 1.0516 | - |
| 2022-02-28 | 1.0544 | 1.0544 | - |
| 2022-01-31 | 1.0547 | 1.0547 | -- |
| 2021-12-31 | 1.0545 | 1.0545 | - |
| 2021-11-30 | 1.0392 | 1.0392 | - |
| 2021-10-31 | 1.0337 | 1.0337 | -- |
| 2021-09-30 | 1.0286 | 1.0286 | - |
| 2021-08-31 | 1.0275 | 1.0275 | - |
| 2021-07-31 | 1.0228 | 1.0228 | -- |
| 2021-06-30 | 1.0181 | 1.0181 | - |
| 2021-05-31 | 1.0129 | 1.0129 | - |
| 2021-04-30 | 1.0067 | 1.0067 | - |
| 2021-03-31 | 1.0019 | 1.0019 | - |
| 2021-03-07 | 1 | 1 | - |
备注：认（申）购价格和赎回价格即为产品份额净值。
【风险提示】
理财产品过往业绩不代表其未来表现，不等于理财产品实际收益，投资须谨慎。
本产品无预期收益率，产品净值随所投资资产的估值变动，产品申购、赎回、清算以产品净值为计算基础，客户所能获得的最终收益以实际支付的为准。
我公司将恪守勤勉尽责的原则，合理配置资产组合，为客户提供专业化的理财服务。客户应密切关注邮储银行官网与本产品有关的信息披露，以免造成不必要的损失。
中邮理财有限责任公司
2026年02月06日
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根据证监会《证券期货经营机构私募资产管理业务管理办法》规定，证券期货经营机构资产管理计划的合格投资者应为具备相应风险识别能力和承担能力，且符合家庭金融资产不低于500万元、金融净资产不低于300万元或最近三年本人年均收入不低于40万元的个人。您是否确认本人符合合格投资者的认定？
