尊敬的投资者：
我公司发行的邮银财富·鸿元两年定开19号(资本市场改革)人民币理财产品（产品代码：2101AL0019）于2021-07-02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 | 1.1114 | 1.1114 | - |
| 2026-01-23 | 1.1108 | 1.1108 | - |
| 2026-01-16 | 1.1060 | 1.1060 | - |
| 2026-01-09 | 1.1032 | 1.1032 | - |
| 2026-01-04 | 1.0944 | 1.0944 | - |
| 2025-12-31 | 1.0942 | 1.0942 | - |
| 2025-12-26 | 1.0948 | 1.0948 | - |
| 2025-12-19 | 1.0901 | 1.0901 | - |
| 2025-12-12 | 1.0911 | 1.0911 | - |
| 2025-12-05 | 1.0900 | 1.0900 | - |
| 2025-11-28 | 1.0869 | 1.0869 | - |
| 2025-11-21 | 1.0827 | 1.0827 | - |
| 2025-11-14 | 1.0917 | 1.0917 | - |
| 2025-11-07 | 1.0922 | 1.0922 | - |
| 2025-10-31 | 1.0902 | 1.0902 | - |
| 2025-10-24 | 1.0891 | 1.0891 | - |
| 2025-10-17 | 1.0833 | 1.0833 | - |
| 2025-10-10 | 1.0903 | 1.0903 | - |
| 2025-10-09 | 1.0967 | 1.0967 | - |
| 2025-09-30 | 1.0914 | 1.0914 | - |
| 2025-09-26 | 1.0841 | 1.0841 | - |
| 2025-09-19 | 1.0816 | 1.0816 | - |
| 2025-09-12 | 1.0819 | 1.0819 | - |
| 2025-09-05 | 1.0772 | 1.0772 | - |
| 2025-08-29 | 1.0739 | 1.0739 | - |
| 2025-08-22 | 1.0673 | 1.0673 | - |
| 2025-08-15 | 1.0628 | 1.0628 | - |
| 2025-08-08 | 1.0576 | 1.0576 | - |
| 2025-08-01 | 1.0536 | 1.0536 | - |
| 2025-07-25 | 1.0519 | 1.0519 | - |
| 2025-07-18 | 1.0503 | 1.0503 | - |
| 2025-07-11 | 1.0456 | 1.0456 | - |
| 2025-07-04 | 1.0438 | 1.0438 | - |
| 2025-07-01 | 1.0444 | 1.0444 | 1.0444 |
| 2025-06-30 | 1.0443 | 1.0443 | - |
| 2025-06-27 | 1.0430 | 1.0430 | - |
| 2025-06-20 | 1.0408 | 1.0408 | - |
| 2025-06-19 | 1.0413 | 1.0413 | - |
| 2025-06-13 | 1.0407 | 1.0407 | - |
| 2025-06-06 | 1.0378 | 1.0378 | - |
| 2025-05-30 | 1.0332 | 1.0332 | - |
| 2025-05-23 | 1.0336 | 1.0336 | - |
| 2025-05-16 | 1.0327 | 1.0327 | - |
| 2025-05-09 | 1.0322 | 1.0322 | - |
| 2025-05-06 | 1.0315 | 1.0315 | - |
| 2025-04-25 | 1.0262 | 1.0262 | - |
| 2025-04-18 | 1.0243 | 1.0243 | - |
| 2025-04-11 | 1.0239 | 1.0239 | - |
| 2025-04-07 | 1.0198 | 1.0198 | - |
| 2025-03-31 | 1.0332 | 1.0332 | - |
| 2025-03-28 | 1.0342 | 1.0342 | - |
| 2025-03-21 | 1.0344 | 1.0344 | - |
| 2025-03-14 | 1.0383 | 1.0383 | - |
| 2025-03-07 | 1.0368 | 1.0368 | - |
| 2025-02-28 | 1.0316 | 1.0316 | - |
| 2025-02-21 | 1.0401 | 1.0401 | - |
| 2025-02-14 | 1.0372 | 1.0372 | - |
| 2025-02-07 | 1.0353 | 1.0353 | - |
| 2025-02-05 | 1.0297 | 1.0297 | - |
| 2025-01-24 | 1.0288 | 1.0288 | - |
| 2025-01-17 | 1.0276 | 1.0276 | - |
| 2025-01-10 | 1.0248 | 1.0248 | - |
| 2025-01-03 | 1.0255 | 1.0255 | - |
| 2024-12-31 | 1.0291 | 1.0291 | - |
| 2024-12-27 | 1.0313 | 1.0313 | - |
| 2024-12-20 | 1.0311 | 1.0311 | - |
| 2024-12-13 | 1.0315 | 1.0315 | - |
| 2024-12-06 | 1.0293 | 1.0293 | - |
| 2024-11-29 | 1.0247 | 1.0247 | - |
| 2024-11-22 | 1.0219 | 1.0219 | - |
| 2024-11-15 | 1.0229 | 1.0229 | - |
| 2024-11-08 | 1.0270 | 1.0270 | - |
| 2024-11-01 | 1.0224 | 1.0224 | - |
| 2024-10-25 | 1.0236 | 1.0236 | - |
| 2024-10-18 | 1.0235 | 1.0235 | - |
| 2024-10-11 | 1.0189 | 1.0189 | - |
| 2024-10-08 | 1.0296 | 1.0296 | - |
| 2024-09-30 | 1.0224 | 1.0224 | - |
| 2024-09-27 | 1.0154 | 1.0154 | - |
| 2024-09-20 | 1.0067 | 1.0067 | - |
| 2024-09-13 | 1.0059 | 1.0059 | - |
| 2024-09-06 | 1.0068 | 1.0068 | - |
| 2024-08-30 | 1.0085 | 1.0085 | - |
| 2024-08-23 | 1.0085 | 1.0085 | - |
| 2024-08-16 | 1.0105 | 1.0105 | - |
| 2024-08-09 | 1.0112 | 1.0112 | - |
| 2024-08-02 | 1.0173 | 1.0173 | - |
| 2024-07-26 | 1.0159 | 1.0159 | - |
| 2024-07-19 | 1.0204 | 1.0204 | - |
| 2024-07-12 | 1.0250 | 1.0250 | - |
| 2024-07-05 | 1.0245 | 1.0245 | - |
| 2024-06-30 | 1.0243 | 1.0243 | -- |
| 2024-06-28 | 1.0243 | 1.0243 | - |
| 2024-06-21 | 1.0271 | 1.0271 | - |
| 2024-06-14 | 1.0272 | 1.0272 | - |
| 2024-06-07 | 1.0268 | 1.0268 | - |
| 2024-05-31 | 1.0260 | 1.0260 | - |
| 2024-05-24 | 1.0257 | 1.0257 | - |
| 2024-05-17 | 1.0299 | 1.0299 | - |
| 2024-05-10 | 1.0270 | 1.0270 | - |
| 2024-04-26 | 1.0224 | 1.0224 | - |
| 2024-04-19 | 1.0204 | 1.0204 | - |
| 2024-04-12 | 1.0188 | 1.0188 | - |
| 2024-04-07 | 1.0159 | 1.0159 | - |
| 2024-03-31 | 1.0132 | 1.0132 | -- |
| 2024-03-29 | 1.0132 | 1.0132 | - |
| 2024-03-22 | 1.0134 | 1.0134 | - |
| 2024-03-15 | 1.0127 | 1.0127 | - |
| 2024-03-08 | 1.0143 | 1.0143 | - |
| 2024-03-01 | 1.0157 | 1.0157 | - |
| 2024-02-23 | 1.0145 | 1.0145 | - |
| 2024-02-18 | 1.0074 | 1.0074 | - |
| 2024-02-09 | 1.0075 | 1.0075 | - |
| 2024-02-02 | 1.0061 | 1.0061 | - |
| 2024-01-26 | 1.0155 | 1.0155 | - |
| 2024-01-19 | 1.0160 | 1.0160 | - |
| 2024-01-12 | 1.0217 | 1.0217 | - |
| 2024-01-05 | 1.0234 | 1.0234 | - |
| 2023-12-31 | 1.0317 | 1.0317 | - |
| 2023-12-29 | 1.0316 | 1.0316 | - |
| 2023-12-22 | 1.0238 | 1.0238 | - |
| 2023-12-15 | 1.0271 | 1.0271 | - |
| 2023-12-08 | 1.0288 | 1.0288 | - |
| 2023-12-01 | 1.0320 | 1.0320 | - |
| 2023-11-24 | 1.0317 | 1.0317 | - |
| 2023-11-17 | 1.0347 | 1.0347 | - |
| 2023-11-10 | 1.0327 | 1.0327 | - |
| 2023-11-03 | 1.0296 | 1.0296 | - |
| 2023-10-27 | 1.0270 | 1.0270 | - |
| 2023-10-20 | 1.0227 | 1.0227 | - |
| 2023-10-13 | 1.0322 | 1.0322 | - |
| 2023-10-07 | 1.0318 | 1.0318 | - |
| 2023-09-30 | 1.0318 | 1.0318 | -- |
| 2023-09-28 | 1.0318 | 1.0318 | - |
| 2023-09-22 | 1.0299 | 1.0299 | - |
| 2023-09-15 | 1.0300 | 1.0300 | - |
| 2023-09-08 | 1.0312 | 1.0312 | - |
| 2023-09-01 | 1.0338 | 1.0338 | - |
| 2023-08-25 | 1.0282 | 1.0282 | - |
| 2023-08-18 | 1.0327 | 1.0327 | - |
| 2023-08-11 | 1.0362 | 1.0362 | - |
| 2023-08-04 | 1.0404 | 1.0404 | - |
| 2023-07-28 | 1.0391 | 1.0391 | - |
| 2023-07-21 | 1.0348 | 1.0348 | - |
| 2023-07-14 | 1.0373 | 1.0373 | - |
| 2023-07-07 | 1.0351 | 1.0351 | - |
| 2023-07-03 | 1.0353 | 1.0353 | 1.0353 |
| 2023-06-30 | 1.0350 | 1.0350 | - |
| 2023-06-25 | 1.0360 | 1.0360 | - |
| 2023-06-16 | 1.0371 | 1.0371 | - |
| 2023-06-13 | 1.0345 | 1.0345 | - |
| 2023-06-09 | 1.0330 | 1.0330 | - |
| 2023-06-02 | 1.0332 | 1.0332 | - |
| 2023-05-26 | 1.0317 | 1.0317 | - |
| 2023-05-19 | 1.0318 | 1.0318 | - |
| 2023-05-12 | 1.0301 | 1.0301 | - |
| 2023-05-05 | 1.0307 | 1.0307 | - |
| 2023-04-28 | 1.0314 | 1.0314 | - |
| 2023-04-21 | 1.0313 | 1.0313 | - |
| 2023-04-14 | 1.0324 | 1.0324 | - |
| 2023-04-07 | 1.0327 | 1.0327 | - |
| 2023-03-31 | 1.0287 | 1.0287 | - |
| 2023-03-24 | 1.0274 | 1.0274 | - |
| 2023-03-17 | 1.0251 | 1.0251 | - |
| 2023-03-10 | 1.0247 | 1.0247 | - |
| 2023-03-03 | 1.0266 | 1.0266 | - |
| 2023-02-24 | 1.0256 | 1.0256 | - |
| 2023-02-17 | 1.0252 | 1.0252 | - |
| 2023-01-31 | 1.0244 | 1.0244 | - |
| 2022-12-31 | 1.0160 | 1.0160 | -- |
| 2022-12-30 | 1.0158 | 1.0158 | - |
| 2022-11-30 | 1.0189 | 1.0189 | - |
| 2022-10-31 | 1.0252 | 1.0252 | - |
| 2022-09-30 | 1.0275 | 1.0275 | - |
| 2022-08-31 | 1.0333 | 1.0333 | - |
| 2022-07-31 | 1.0314 | 1.0314 | -- |
| 2022-06-30 | 1.0262 | 1.0262 | - |
| 2022-05-31 | 1.0196 | 1.0196 | - |
| 2022-04-30 | 1.0144 | 1.0144 | -- |
| 2022-03-31 | 1.0174 | 1.0174 | - |
| 2022-02-28 | 1.0239 | 1.0239 | - |
| 2022-01-31 | 1.0246 | 1.0246 | -- |
| 2021-12-31 | 1.0270 | 1.0270 | - |
| 2021-11-30 | 1.0220 | 1.0220 | - |
| 2021-10-31 | 1.0133 | 1.0133 | -- |
| 2021-09-30 | 1.0088 | 1.0088 | - |
| 2021-08-31 | 1.0089 | 1.0089 | - |
| 2021-07-31 | 1.0038 | 1.0038 | -- |
| 2021-07-01 | 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？
