尊敬的投资者：
我公司发行的邮银财富·鸿锦一年定开18号人民币理财产品（产品代码：2101JB0018）于2021-11-15成立，截至2026-08-07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） |
| 2026-08-07 | 1.1392 | 1.1392 | - |
| 2026-07-31 | 1.1390 | 1.1390 | - |
| 2026-07-24 | 1.1383 | 1.1383 | - |
| 2026-07-17 | 1.1374 | 1.1374 | - |
| 2026-07-10 | 1.1367 | 1.1367 | - |
| 2026-07-03 | 1.1364 | 1.1364 | - |
| 2026-06-30 | 1.1360 | 1.1360 | - |
| 2026-06-26 | 1.1358 | 1.1358 | - |
| 2026-06-22 | 1.1365 | 1.1365 | - |
| 2026-06-12 | 1.1363 | 1.1363 | - |
| 2026-06-05 | 1.1369 | 1.1369 | - |
| 2026-05-29 | 1.1363 | 1.1363 | - |
| 2026-05-22 | 1.1355 | 1.1355 | - |
| 2026-05-15 | 1.1354 | 1.1354 | - |
| 2026-05-08 | 1.1350 | 1.1350 | - |
| 2026-05-06 | 1.1350 | 1.1350 | - |
| 2026-04-24 | 1.1342 | 1.1342 | - |
| 2026-04-17 | 1.1334 | 1.1334 | - |
| 2026-04-10 | 1.1327 | 1.1327 | - |
| 2026-04-03 | 1.1319 | 1.1319 | - |
| 2026-03-31 | 1.1314 | 1.1314 | - |
| 2026-03-27 | 1.1314 | 1.1314 | - |
| 2026-03-20 | 1.1310 | 1.1310 | - |
| 2026-03-13 | 1.1310 | 1.1310 | - |
| 2026-03-06 | 1.1302 | 1.1302 | - |
| 2026-02-27 | 1.1294 | 1.1294 | - |
| 2026-02-24 | 1.1292 | 1.1292 | - |
| 2026-02-13 | 1.1279 | 1.1279 | - |
| 2026-02-06 | 1.1269 | 1.1269 | - |
| 2026-01-30 | 1.1263 | 1.1263 | - |
| 2026-01-23 | 1.1253 | 1.1253 | - |
| 2026-01-16 | 1.1236 | 1.1236 | - |
| 2026-01-09 | 1.1234 | 1.1234 | - |
| 2026-01-04 | 1.1227 | 1.1227 | - |
| 2025-12-31 | 1.1225 | 1.1225 | - |
| 2025-12-26 | 1.1225 | 1.1225 | - |
| 2025-12-19 | 1.1215 | 1.1215 | - |
| 2025-12-12 | 1.1209 | 1.1209 | - |
| 2025-12-05 | 1.1209 | 1.1209 | - |
| 2025-11-28 | 1.1209 | 1.1209 | - |
| 2025-11-21 | 1.1210 | 1.1210 | - |
| 2025-11-14 | 1.1214 | 1.1214 | 1.1214 |
| 2025-11-07 | 1.1206 | 1.1206 | - |
| 2025-10-31 | 1.1192 | 1.1192 | - |
| 2025-10-24 | 1.1178 | 1.1178 | - |
| 2025-10-17 | 1.1165 | 1.1165 | - |
| 2025-10-10 | 1.1154 | 1.1154 | - |
| 2025-10-09 | 1.1154 | 1.1154 | - |
| 2025-09-30 | 1.1146 | 1.1146 | - |
| 2025-09-26 | 1.1144 | 1.1144 | - |
| 2025-09-19 | 1.1151 | 1.1151 | - |
| 2025-09-12 | 1.1148 | 1.1148 | - |
| 2025-09-05 | 1.1147 | 1.1147 | - |
| 2025-08-29 | 1.1141 | 1.1141 | - |
| 2025-08-22 | 1.1138 | 1.1138 | - |
| 2025-08-15 | 1.1141 | 1.1141 | - |
| 2025-08-08 | 1.1143 | 1.1143 | - |
| 2025-08-01 | 1.1131 | 1.1131 | - |
| 2025-07-25 | 1.1128 | 1.1128 | - |
| 2025-07-18 | 1.1131 | 1.1131 | - |
| 2025-07-11 | 1.1124 | 1.1124 | - |
| 2025-07-04 | 1.1116 | 1.1116 | - |
| 2025-06-30 | 1.1103 | 1.1103 | - |
| 2025-06-27 | 1.1101 | 1.1101 | - |
| 2025-06-20 | 1.1094 | 1.1094 | - |
| 2025-06-13 | 1.1086 | 1.1086 | - |
| 2025-06-06 | 1.1077 | 1.1077 | - |
| 2025-05-30 | 1.1070 | 1.1070 | - |
| 2025-05-23 | 1.1063 | 1.1063 | - |
| 2025-05-16 | 1.1052 | 1.1052 | - |
| 2025-05-09 | 1.1042 | 1.1042 | - |
| 2025-05-06 | 1.1029 | 1.1029 | - |
| 2025-04-25 | 1.1018 | 1.1018 | - |
| 2025-04-18 | 1.1009 | 1.1009 | - |
| 2025-04-11 | 1.0999 | 1.0999 | - |
| 2025-04-07 | 1.0981 | 1.0981 | - |
| 2025-03-31 | 1.0987 | 1.0987 | - |
| 2025-03-28 | 1.0986 | 1.0986 | - |
| 2025-03-21 | 1.0969 | 1.0969 | - |
| 2025-03-14 | 1.0958 | 1.0958 | - |
| 2025-03-07 | 1.0944 | 1.0944 | - |
| 2025-02-28 | 1.0938 | 1.0938 | - |
| 2025-02-21 | 1.0941 | 1.0941 | - |
| 2025-02-14 | 1.0949 | 1.0949 | - |
| 2025-02-07 | 1.0948 | 1.0948 | - |
| 2025-02-05 | 1.0940 | 1.0940 | - |
| 2025-01-24 | 1.0931 | 1.0931 | - |
| 2025-01-17 | 1.0930 | 1.0930 | - |
| 2025-01-10 | 1.0925 | 1.0925 | - |
| 2025-01-03 | 1.0932 | 1.0932 | - |
| 2024-12-31 | 1.0937 | 1.0937 | - |
| 2024-12-27 | 1.0934 | 1.0934 | - |
| 2024-12-20 | 1.0918 | 1.0918 | - |
| 2024-12-13 | 1.0912 | 1.0912 | - |
| 2024-12-06 | 1.0897 | 1.0897 | - |
| 2024-11-29 | 1.0870 | 1.0870 | - |
| 2024-11-22 | 1.0847 | 1.0847 | - |
| 2024-11-15 | 1.0840 | 1.0840 | - |
| 2024-11-14 | 1.0839 | 1.0839 | 1.0839 |
| 2024-11-08 | 1.0834 | 1.0834 | - |
| 2024-11-01 | 1.0820 | 1.0820 | - |
| 2024-10-25 | 1.0817 | 1.0817 | - |
| 2024-10-18 | 1.0822 | 1.0822 | - |
| 2024-10-11 | 1.0794 | 1.0794 | - |
| 2024-10-08 | 1.0811 | 1.0811 | - |
| 2024-09-30 | 1.0808 | 1.0808 | - |
| 2024-09-27 | 1.0805 | 1.0805 | - |
| 2024-09-20 | 1.0782 | 1.0782 | - |
| 2024-09-13 | 1.0776 | 1.0776 | - |
| 2024-09-06 | 1.0777 | 1.0777 | - |
| 2024-08-30 | 1.0771 | 1.0771 | - |
| 2024-08-23 | 1.0781 | 1.0781 | - |
| 2024-08-16 | 1.0781 | 1.0781 | - |
| 2024-08-09 | 1.0779 | 1.0779 | - |
| 2024-08-02 | 1.0782 | 1.0782 | - |
| 2024-07-26 | 1.0770 | 1.0770 | - |
| 2024-07-19 | 1.0764 | 1.0764 | - |
| 2024-07-12 | 1.0753 | 1.0753 | - |
| 2024-07-05 | 1.0743 | 1.0743 | - |
| 2024-06-30 | 1.0736 | 1.0736 | -- |
| 2024-06-28 | 1.0734 | 1.0734 | - |
| 2024-06-21 | 1.0724 | 1.0724 | - |
| 2024-06-14 | 1.0719 | 1.0719 | - |
| 2024-06-07 | 1.0718 | 1.0718 | - |
| 2024-05-31 | 1.0705 | 1.0705 | - |
| 2024-05-24 | 1.0693 | 1.0693 | - |
| 2024-05-17 | 1.0685 | 1.0685 | - |
| 2024-05-10 | 1.0674 | 1.0674 | - |
| 2024-05-06 | 1.0665 | 1.0665 | - |
| 2024-04-26 | 1.0654 | 1.0654 | - |
| 2024-04-19 | 1.0655 | 1.0655 | - |
| 2024-04-12 | 1.0628 | 1.0628 | - |
| 2024-04-07 | 1.0618 | 1.0618 | - |
| 2024-03-31 | 1.0606 | 1.0606 | -- |
| 2024-03-29 | 1.0605 | 1.0605 | - |
| 2024-03-22 | 1.0592 | 1.0592 | - |
| 2024-03-15 | 1.0583 | 1.0583 | - |
| 2024-03-08 | 1.0578 | 1.0578 | - |
| 2024-03-01 | 1.0564 | 1.0564 | - |
| 2024-02-23 | 1.0552 | 1.0552 | - |
| 2024-02-18 | 1.0523 | 1.0523 | - |
| 2024-02-09 | 1.0516 | 1.0516 | - |
| 2024-02-02 | 1.0477 | 1.0477 | - |
| 2024-01-26 | 1.0479 | 1.0479 | - |
| 2024-01-19 | 1.0450 | 1.0450 | - |
| 2024-01-12 | 1.0450 | 1.0450 | - |
| 2024-01-05 | 1.0447 | 1.0447 | - |
| 2023-12-31 | 1.0433 | 1.0433 | - |
| 2023-12-29 | 1.0432 | 1.0432 | - |
| 2023-12-22 | 1.0389 | 1.0389 | - |
| 2023-12-15 | 1.0398 | 1.0398 | - |
| 2023-12-08 | 1.0379 | 1.0379 | - |
| 2023-12-01 | 1.0411 | 1.0411 | - |
| 2023-11-24 | 1.0429 | 1.0429 | - |
| 2023-11-17 | 1.0422 | 1.0422 | - |
| 2023-11-14 | 1.0417 | 1.0417 | 1.0417 |
| 2023-11-10 | 1.0414 | 1.0414 | - |
| 2023-11-03 | 1.0416 | 1.0416 | - |
| 2023-11-02 | 1.0412 | 1.0412 | - |
| 2023-10-27 | 1.0407 | 1.0407 | - |
| 2023-10-20 | 1.0392 | 1.0392 | - |
| 2023-10-13 | 1.0414 | 1.0414 | - |
| 2023-10-07 | 1.0418 | 1.0418 | - |
| 2023-09-30 | 1.0409 | 1.0409 | -- |
| 2023-09-28 | 1.0407 | 1.0407 | - |
| 2023-09-22 | 1.0407 | 1.0407 | - |
| 2023-09-15 | 1.0404 | 1.0404 | - |
| 2023-09-08 | 1.0383 | 1.0383 | - |
| 2023-09-01 | 1.0432 | 1.0432 | - |
| 2023-08-25 | 1.0415 | 1.0415 | - |
| 2023-08-18 | 1.0427 | 1.0427 | - |
| 2023-08-11 | 1.0443 | 1.0443 | - |
| 2023-08-04 | 1.0461 | 1.0461 | - |
| 2023-07-28 | 1.0452 | 1.0452 | - |
| 2023-07-21 | 1.0426 | 1.0426 | - |
| 2023-07-14 | 1.0429 | 1.0429 | - |
| 2023-07-07 | 1.0426 | 1.0426 | - |
| 2023-06-30 | 1.0410 | 1.0410 | - |
| 2023-06-25 | 1.0395 | 1.0395 | - |
| 2023-06-16 | 1.0401 | 1.0401 | - |
| 2023-06-09 | 1.0371 | 1.0371 | - |
| 2023-06-02 | 1.0368 | 1.0368 | - |
| 2023-05-26 | 1.0357 | 1.0357 | - |
| 2023-05-19 | 1.0364 | 1.0364 | - |
| 2023-05-12 | 1.0346 | 1.0346 | - |
| 2023-05-05 | 1.0351 | 1.0351 | - |
| 2023-04-28 | 1.0343 | 1.0343 | - |
| 2023-04-21 | 1.0338 | 1.0338 | - |
| 2023-04-14 | 1.0366 | 1.0366 | - |
| 2023-04-07 | 1.0353 | 1.0353 | - |
| 2023-03-31 | 1.0316 | 1.0316 | - |
| 2023-03-24 | 1.0299 | 1.0299 | - |
| 2023-03-17 | 1.0264 | 1.0264 | - |
| 2023-03-10 | 1.0261 | 1.0261 | - |
| 2023-03-03 | 1.0292 | 1.0292 | - |
| 2023-02-24 | 1.0272 | 1.0272 | - |
| 2023-02-17 | 1.0255 | 1.0255 | - |
| 2023-01-31 | 1.0227 | 1.0227 | - |
| 2022-12-31 | 1.0131 | 1.0131 | -- |
| 2022-12-30 | 1.0130 | 1.0130 | - |
| 2022-11-14 | 1.0291 | 1.0291 | 1.0291 |
| 2022-11-02 | 1.0319 | 1.0319 | - |
| 2022-10-31 | 1.0308 | 1.0308 | - |
| 2022-09-30 | 1.0276 | 1.0276 | - |
| 2022-08-31 | 1.0348 | 1.0348 | - |
| 2022-07-31 | 1.0370 | 1.0370 | -- |
| 2022-06-30 | 1.0294 | 1.0294 | - |
| 2022-05-31 | 1.0167 | 1.0167 | - |
| 2022-04-30 | 1.0045 | 1.0045 | -- |
| 2022-03-31 | 1.0110 | 1.0110 | - |
| 2022-02-28 | 1.0140 | 1.0140 | - |
| 2022-01-31 | 1.0121 | 1.0121 | -- |
| 2021-12-31 | 1.0094 | 1.0094 | - |
| 2021-11-30 | 1.0012 | 1.0012 | - |
| 2021-11-14 | 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08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？
