尊敬的投资者：
我公司发行的邮银财富·鸿元一年定开4号人民币理财产品（产品代码：2001AB0004）于2020-10-20成立，截至2026-02-06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） |
| 2026-02-06 | 1.0597 | 1.0597 | - |
| 2026-01-30 | 1.0647 | 1.0647 | - |
| 2026-01-23 | 1.0676 | 1.0676 | - |
| 2026-01-16 | 1.0672 | 1.0672 | - |
| 2026-01-09 | 1.0669 | 1.0669 | - |
| 2026-01-04 | 1.0667 | 1.0667 | - |
| 2025-12-31 | 1.0652 | 1.0652 | - |
| 2025-12-26 | 1.0665 | 1.0665 | - |
| 2025-12-19 | 1.0671 | 1.0671 | - |
| 2025-12-12 | 1.0664 | 1.0664 | - |
| 2025-12-05 | 1.0659 | 1.0659 | - |
| 2025-11-28 | 1.0662 | 1.0662 | - |
| 2025-11-21 | 1.0660 | 1.0660 | - |
| 2025-11-14 | 1.0691 | 1.0691 | - |
| 2025-11-07 | 1.0675 | 1.0675 | - |
| 2025-10-31 | 1.0660 | 1.0660 | - |
| 2025-10-24 | 1.0667 | 1.0667 | - |
| 2025-10-20 | 1.0665 | 1.0665 | 1.0665 |
| 2025-10-17 | 1.0649 | 1.0649 | - |
| 2025-10-10 | 1.0653 | 1.0653 | - |
| 2025-10-09 | 1.0674 | 1.0674 | - |
| 2025-09-30 | 1.0646 | 1.0646 | - |
| 2025-09-26 | 1.0630 | 1.0630 | - |
| 2025-09-19 | 1.0663 | 1.0663 | - |
| 2025-09-12 | 1.0663 | 1.0663 | - |
| 2025-09-05 | 1.0638 | 1.0638 | - |
| 2025-08-29 | 1.0649 | 1.0649 | - |
| 2025-08-22 | 1.0678 | 1.0678 | - |
| 2025-08-15 | 1.0686 | 1.0686 | - |
| 2025-08-08 | 1.0663 | 1.0663 | - |
| 2025-08-01 | 1.0627 | 1.0627 | - |
| 2025-07-25 | 1.0644 | 1.0644 | - |
| 2025-07-18 | 1.0609 | 1.0609 | - |
| 2025-07-11 | 1.0561 | 1.0561 | - |
| 2025-07-04 | 1.0561 | 1.0561 | - |
| 2025-06-30 | 1.0543 | 1.0543 | - |
| 2025-06-27 | 1.0558 | 1.0558 | - |
| 2025-06-20 | 1.0537 | 1.0537 | - |
| 2025-06-13 | 1.0544 | 1.0544 | - |
| 2025-06-06 | 1.0536 | 1.0536 | - |
| 2025-05-30 | 1.0524 | 1.0524 | - |
| 2025-05-23 | 1.0533 | 1.0533 | - |
| 2025-05-16 | 1.0520 | 1.0520 | - |
| 2025-05-09 | 1.0511 | 1.0511 | - |
| 2025-05-06 | 1.0489 | 1.0489 | - |
| 2025-04-25 | 1.0457 | 1.0457 | - |
| 2025-04-18 | 1.0443 | 1.0443 | - |
| 2025-04-11 | 1.0422 | 1.0422 | - |
| 2025-04-07 | 1.0406 | 1.0406 | - |
| 2025-03-31 | 1.0489 | 1.0489 | - |
| 2025-03-28 | 1.0494 | 1.0494 | - |
| 2025-03-21 | 1.0506 | 1.0506 | - |
| 2025-03-14 | 1.0510 | 1.0510 | - |
| 2025-03-07 | 1.0499 | 1.0499 | - |
| 2025-02-28 | 1.0466 | 1.0466 | - |
| 2025-02-21 | 1.0499 | 1.0499 | - |
| 2025-02-14 | 1.0477 | 1.0477 | - |
| 2025-02-07 | 1.0431 | 1.0431 | - |
| 2025-02-05 | 1.0413 | 1.0413 | - |
| 2025-01-24 | 1.0381 | 1.0381 | - |
| 2025-01-17 | 1.0377 | 1.0377 | - |
| 2025-01-10 | 1.0370 | 1.0370 | - |
| 2025-01-03 | 1.0392 | 1.0392 | - |
| 2024-12-31 | 1.0402 | 1.0402 | - |
| 2024-12-27 | 1.0402 | 1.0402 | - |
| 2024-12-20 | 1.0380 | 1.0380 | - |
| 2024-12-13 | 1.0386 | 1.0386 | - |
| 2024-12-06 | 1.0375 | 1.0375 | - |
| 2024-11-29 | 1.0351 | 1.0351 | - |
| 2024-11-22 | 1.0320 | 1.0320 | - |
| 2024-11-15 | 1.0334 | 1.0334 | - |
| 2024-11-08 | 1.0373 | 1.0373 | - |
| 2024-11-01 | 1.0334 | 1.0334 | - |
| 2024-10-25 | 1.0341 | 1.0341 | - |
| 2024-10-21 | 1.0353 | 1.0353 | 1.0353 |
| 2024-10-18 | 1.0357 | 1.0357 | - |
| 2024-10-11 | 1.0349 | 1.0349 | - |
| 2024-10-08 | 1.0393 | 1.0393 | - |
| 2024-09-30 | 1.0383 | 1.0383 | - |
| 2024-09-27 | 1.0333 | 1.0333 | - |
| 2024-09-20 | 1.0246 | 1.0246 | - |
| 2024-09-13 | 1.0218 | 1.0218 | - |
| 2024-09-06 | 1.0250 | 1.0250 | - |
| 2024-08-30 | 1.0293 | 1.0293 | - |
| 2024-08-23 | 1.0295 | 1.0295 | - |
| 2024-08-16 | 1.0320 | 1.0320 | - |
| 2024-08-09 | 1.0316 | 1.0316 | - |
| 2024-08-02 | 1.0331 | 1.0331 | - |
| 2024-07-26 | 1.0325 | 1.0325 | - |
| 2024-07-19 | 1.0366 | 1.0366 | - |
| 2024-07-12 | 1.0375 | 1.0375 | - |
| 2024-07-05 | 1.0389 | 1.0389 | - |
| 2024-06-30 | 1.0385 | 1.0385 | -- |
| 2024-06-28 | 1.0386 | 1.0386 | - |
| 2024-06-21 | 1.0409 | 1.0409 | - |
| 2024-06-14 | 1.0435 | 1.0435 | - |
| 2024-06-07 | 1.0452 | 1.0452 | - |
| 2024-05-31 | 1.0447 | 1.0447 | - |
| 2024-05-24 | 1.0437 | 1.0437 | - |
| 2024-05-17 | 1.0470 | 1.0470 | - |
| 2024-05-10 | 1.0459 | 1.0459 | - |
| 2024-05-06 | 1.0451 | 1.0451 | - |
| 2024-04-26 | 1.0455 | 1.0455 | - |
| 2024-04-19 | 1.0457 | 1.0457 | - |
| 2024-04-12 | 1.0447 | 1.0447 | - |
| 2024-04-07 | 1.0437 | 1.0437 | - |
| 2024-03-31 | 1.0435 | 1.0435 | -- |
| 2024-03-29 | 1.0434 | 1.0434 | - |
| 2024-03-22 | 1.0431 | 1.0431 | - |
| 2024-03-15 | 1.0426 | 1.0426 | - |
| 2024-03-08 | 1.0429 | 1.0429 | - |
| 2024-03-01 | 1.0425 | 1.0425 | - |
| 2024-02-23 | 1.0420 | 1.0420 | - |
| 2024-02-18 | 1.0410 | 1.0410 | - |
| 2024-02-09 | 1.0409 | 1.0409 | - |
| 2024-02-02 | 1.0405 | 1.0405 | - |
| 2024-01-26 | 1.0525 | 1.0525 | - |
| 2024-01-19 | 1.0580 | 1.0580 | - |
| 2024-01-12 | 1.0615 | 1.0615 | - |
| 2024-01-05 | 1.0637 | 1.0637 | - |
| 2023-12-31 | 1.0694 | 1.0694 | - |
| 2023-12-29 | 1.0693 | 1.0693 | - |
| 2023-12-22 | 1.0651 | 1.0651 | - |
| 2023-12-15 | 1.0678 | 1.0678 | - |
| 2023-12-08 | 1.0698 | 1.0698 | - |
| 2023-12-01 | 1.0754 | 1.0754 | - |
| 2023-11-24 | 1.0746 | 1.0746 | - |
| 2023-11-17 | 1.0746 | 1.0746 | - |
| 2023-11-10 | 1.0762 | 1.0762 | - |
| 2023-11-03 | 1.0733 | 1.0733 | - |
| 2023-10-27 | 1.0707 | 1.0707 | - |
| 2023-10-20 | 1.0653 | 1.0653 | - |
| 2023-10-19 | 1.0653 | 1.0653 | 1.0653 |
| 2023-10-13 | 1.0679 | 1.0679 | - |
| 2023-10-09 | 1.0635 | 1.0635 | - |
| 2023-10-07 | 1.0607 | 1.0607 | - |
| 2023-09-30 | 1.0607 | 1.0607 | -- |
| 2023-09-28 | 1.0607 | 1.0607 | - |
| 2023-09-22 | 1.0538 | 1.0538 | - |
| 2023-09-15 | 1.0537 | 1.0537 | - |
| 2023-09-08 | 1.0536 | 1.0536 | - |
| 2023-09-01 | 1.0551 | 1.0551 | - |
| 2023-08-25 | 1.0553 | 1.0553 | - |
| 2023-08-18 | 1.0583 | 1.0583 | - |
| 2023-08-11 | 1.0596 | 1.0596 | - |
| 2023-08-04 | 1.0631 | 1.0631 | - |
| 2023-07-28 | 1.0624 | 1.0624 | - |
| 2023-07-21 | 1.0622 | 1.0622 | - |
| 2023-07-14 | 1.0624 | 1.0624 | - |
| 2023-07-07 | 1.0612 | 1.0612 | - |
| 2023-06-30 | 1.0606 | 1.0606 | - |
| 2023-06-25 | 1.0602 | 1.0602 | - |
| 2023-06-16 | 1.0614 | 1.0614 | - |
| 2023-06-09 | 1.0594 | 1.0594 | - |
| 2023-06-02 | 1.0591 | 1.0591 | - |
| 2023-05-26 | 1.0576 | 1.0576 | - |
| 2023-05-19 | 1.0567 | 1.0567 | - |
| 2023-05-12 | 1.0566 | 1.0566 | - |
| 2023-05-05 | 1.0553 | 1.0553 | - |
| 2023-04-28 | 1.0548 | 1.0548 | - |
| 2023-04-21 | 1.0548 | 1.0548 | - |
| 2023-04-14 | 1.0579 | 1.0579 | - |
| 2023-04-07 | 1.0582 | 1.0582 | - |
| 2023-03-31 | 1.0579 | 1.0579 | - |
| 2023-03-24 | 1.0581 | 1.0581 | - |
| 2023-03-17 | 1.0570 | 1.0570 | - |
| 2023-03-10 | 1.0613 | 1.0613 | - |
| 2023-03-03 | 1.0655 | 1.0655 | - |
| 2023-02-24 | 1.0688 | 1.0688 | - |
| 2023-02-17 | 1.0688 | 1.0688 | - |
| 2023-01-31 | 1.0721 | 1.0721 | - |
| 2022-12-31 | 1.0558 | 1.0558 | -- |
| 2022-12-30 | 1.0558 | 1.0558 | - |
| 2022-11-30 | 1.0606 | 1.0606 | - |
| 2022-10-31 | 1.0538 | 1.0538 | - |
| 2022-10-19 | 1.0637 | 1.0637 | 1.0637 |
| 2022-09-30 | 1.0578 | 1.0578 | - |
| 2022-09-27 | 1.0616 | 1.0616 | - |
| 2022-08-31 | 1.0662 | 1.0662 | - |
| 2022-07-31 | 1.0715 | 1.0715 | -- |
| 2022-06-30 | 1.0667 | 1.0667 | - |
| 2022-05-31 | 1.0441 | 1.0441 | - |
| 2022-04-30 | 1.0297 | 1.0297 | -- |
| 2022-03-31 | 1.0387 | 1.0387 | - |
| 2022-02-28 | 1.0425 | 1.0425 | - |
| 2022-01-31 | 1.0402 | 1.0402 | -- |
| 2021-12-31 | 1.0490 | 1.0490 | - |
| 2021-11-30 | 1.0313 | 1.0313 | - |
| 2021-10-31 | 1.0263 | 1.0263 | -- |
| 2021-10-19 | 1.0254 | 1.0254 | 1.0254 |
| 2021-10-19 | 1.0254 | 1.0254 | 1.0254 |
| 2021-10-19 | 1.0254 | 1.0254 | 1.0254 |
| 2021-10-19 | 1.0254 | 1.0254 | 1.0254 |
| 2021-09-30 | 1.0264 | 1.0264 | - |
| 2021-09-26 | 1.0273 | 1.0273 | - |
| 2021-08-31 | 1.0313 | 1.0313 | - |
| 2021-07-31 | 1.0291 | 1.0291 | -- |
| 2021-06-30 | 1.0287 | 1.0287 | - |
| 2021-05-31 | 1.0266 | 1.0266 | - |
| 2021-04-30 | 1.0239 | 1.0239 | - |
| 2021-03-31 | 1.0203 | 1.0203 | - |
| 2021-02-26 | 1.0173 | 1.0173 | - |
| 2020-10-19 | 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11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？
