尊敬的投资者：
我公司发行的悦鑫·鸿运封闭式2024年第45期人民币理财产品（产品代码：2401OW0045）于2024-08-23成立，截至2026-08-13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） | 产品资产净值（元） |
| 2026-08-13 | 1.0526 | 1.0526 | 472,512,566.54 |
| 2026-08-06 | 1.0521 | 1.0521 | 472,271,991.50 |
| 2026-07-30 | 1.0516 | 1.0516 | 472,105,044.45 |
| 2026-07-23 | 1.0513 | 1.0513 | 471,970,628.79 |
| 2026-07-16 | 1.0508 | 1.0508 | 471,777,244.68 |
| 2026-07-09 | 1.0504 | 1.0504 | 471,583,691.97 |
| 2026-07-02 | 1.0501 | 1.0501 | 471,439,154.44 |
| 2026-06-30 | 1.0499 | 1.0499 | 471,334,889.26 |
| 2026-06-25 | 1.0494 | 1.0494 | 471,115,447.77 |
| 2026-06-18 | 1.0488 | 1.0488 | 470,855,711.55 |
| 2026-06-11 | 1.0483 | 1.0483 | 470,613,151.57 |
| 2026-06-04 | 1.0476 | 1.0476 | 470,375,715.36 |
| 2026-05-28 | 1.0471 | 1.0471 | 470,116,968.05 |
| 2026-05-21 | 1.0466 | 1.0466 | 469,894,586.58 |
| 2026-05-14 | 1.0460 | 1.0460 | 469,631,478.86 |
| 2026-05-07 | 1.0454 | 1.0454 | 469,362,025.83 |
| 2026-04-30 | 1.0449 | 1.0449 | 469,140,839.76 |
| 2026-04-23 | 1.0443 | 1.0443 | 468,862,934.92 |
| 2026-04-16 | 1.0437 | 1.0437 | 468,624,751.29 |
| 2026-04-09 | 1.0432 | 1.0432 | 468,389,923.29 |
| 2026-04-02 | 1.0426 | 1.0426 | 468,100,667.85 |
| 2026-03-31 | 1.0423 | 1.0423 | 467,994,180.85 |
| 2026-03-26 | 1.0420 | 1.0420 | 467,826,575.97 |
| 2026-03-19 | 1.0413 | 1.0413 | 467,528,483.51 |
| 2026-03-12 | 1.0407 | 1.0407 | 467,279,940.37 |
| 2026-03-05 | 1.0403 | 1.0403 | 467,101,992.75 |
| 2026-02-26 | 1.0397 | 1.0397 | 466,806,175.58 |
| 2026-02-24 | 1.0396 | 1.0396 | 466,804,683.38 |
| 2026-02-12 | 1.0387 | 1.0387 | 466,404,352.95 |
| 2026-02-05 | 1.0380 | 1.0380 | 466,102,814.31 |
| 2026-01-29 | 1.0375 | 1.0375 | 465,915,962.31 |
| 2026-01-22 | 1.0368 | 1.0368 | 465,630,755.98 |
| 2026-01-15 | 1.0359 | 1.0359 | 465,200,968.58 |
| 2026-01-08 | 1.0351 | 1.0351 | 464,852,608.05 |
| 2026-01-04 | 1.0349 | 1.0349 | 464,770,466.99 |
| 2025-12-31 | 1.0345 | 1.0345 | 464,597,720.81 |
| 2025-12-25 | 1.0341 | 1.0341 | 464,422,785.99 |
| 2025-12-18 | 1.0335 | 1.0335 | 464,129,009.48 |
| 2025-12-11 | 1.0331 | 1.0331 | 463,962,275.44 |
| 2025-12-04 | 1.0328 | 1.0328 | 463,815,513.69 |
| 2025-11-27 | 1.0326 | 1.0326 | 463,753,972.19 |
| 2025-11-20 | 1.0324 | 1.0324 | 463,638,067.27 |
| 2025-11-13 | 1.0319 | 1.0319 | 463,425,851.86 |
| 2025-11-06 | 1.0313 | 1.0313 | 463,153,322.85 |
| 2025-10-30 | 1.0304 | 1.0304 | 462,948,769.43 |
| 2025-10-23 | 1.0292 | 1.0292 | 462,425,335.64 |
| 2025-10-16 | 1.0285 | 1.0285 | 462,083,655.75 |
| 2025-10-09 | 1.0278 | 1.0278 | 461,802,467.37 |
| 2025-09-30 | 1.0272 | 1.0272 | 461,525,088.24 |
| 2025-09-25 | 1.0273 | 1.0273 | 461,573,205.44 |
| 2025-09-18 | 1.0270 | 1.0270 | 461,405,810.86 |
| 2025-09-11 | 1.0267 | 1.0267 | 461,289,522.67 |
| 2025-09-04 | 1.0263 | 1.0263 | 461,117,951.84 |
| 2025-08-28 | 1.0257 | 1.0257 | 460,840,382.50 |
| 2025-08-21 | 1.0252 | 1.0252 | 460,595,193.88 |
| 2025-08-14 | 1.0249 | 1.0249 | 460,463,188.51 |
| 2025-08-07 | 1.0244 | 1.0244 | 460,259,554.55 |
| 2025-07-31 | 1.0237 | 1.0237 | 459,942,282.54 |
| 2025-07-24 | 1.0233 | 1.0233 | 459,746,668.97 |
| 2025-07-17 | 1.0228 | 1.0228 | 459,535,215.81 |
| 2025-07-10 | 1.0219 | 1.0219 | 459,186,236.28 |
| 2025-07-03 | 1.0212 | 1.0212 | 458,880,102.38 |
| 2025-06-30 | 1.0209 | 1.0209 | 458,710,090.86 |
| 2025-06-26 | 1.0201 | 1.0201 | 458,379,596.77 |
| 2025-06-19 | 1.0196 | 1.0196 | 458,133,187.73 |
| 2025-06-12 | 1.0188 | 1.0188 | 457,783,984.87 |
| 2025-06-05 | 1.0182 | 1.0182 | 457,518,173.27 |
| 2025-05-29 | 1.0177 | 1.0177 | 457,272,290.27 |
| 2025-05-22 | 1.0174 | 1.0174 | 457,277,760.82 |
| 2025-05-15 | 1.0168 | 1.0168 | 457,003,502.38 |
| 2025-05-08 | 1.0161 | 1.0161 | 456,699,561.41 |
| 2025-05-06 | 1.0160 | 1.0160 | 456,661,083.75 |
| 2025-04-24 | 1.0152 | 1.0152 | 456,323,903.67 |
| 2025-04-17 | 1.0149 | 1.0149 | 456,177,461.55 |
| 2025-04-10 | 1.0146 | 1.0146 | 456,044,458.44 |
| 2025-04-03 | 1.0144 | 1.0144 | 455,941,543.49 |
| 2025-03-31 | 1.0144 | 1.0144 | 455,925,698.91 |
| 2025-03-27 | 1.0142 | 1.0142 | 455,855,968.57 |
| 2025-03-20 | 1.0140 | 1.0140 | 455,763,401.17 |
| 2025-03-13 | 1.0137 | 1.0137 | 455,636,428.02 |
| 2025-03-06 | 1.0135 | 1.0135 | 455,527,610.37 |
| 2025-02-27 | 1.0131 | 1.0131 | 455,341,077.93 |
| 2025-02-20 | 1.0128 | 1.0128 | 455,204,563.29 |
| 2025-02-06 | 1.0118 | 1.0118 | 454,983,315.13 |
| 2025-02-05 | 1.0117 | 1.0117 | 454,947,871.71 |
| 2025-01-23 | 1.0109 | 1.0109 | 454,602,631.52 |
| 2025-01-16 | 1.0104 | 1.0104 | 454,397,460.03 |
| 2025-01-09 | 1.0098 | 1.0098 | 454,115,504.11 |
| 2025-01-02 | 1.0091 | 1.0091 | 453,795,399.97 |
| 2024-12-31 | 1.0088 | 1.0088 | 453,686,178.55 |
| 2024-12-26 | 1.0084 | 1.0084 | 453,490,521.93 |
| 2024-12-19 | 1.0079 | 1.0079 | 453,263,035.62 |
| 2024-12-12 | 1.0073 | 1.0073 | 453,000,357.87 |
| 2024-12-05 | 1.0068 | 1.0068 | 452,772,225.90 |
| 2024-11-28 | 1.0062 | 1.0062 | 452,514,891.63 |
| 2024-11-21 | 1.0056 | 1.0056 | 452,268,290.00 |
| 2024-11-14 | 1.0050 | 1.0050 | 451,993,485.08 |
| 2024-11-07 | 1.0044 | 1.0044 | 451,702,052.20 |
| 2024-10-31 | 1.0039 | 1.0039 | 451,473,764.24 |
| 2024-10-24 | 1.0035 | 1.0035 | 451,409,512.92 |
| 2024-10-17 | 1.0029 | 1.0029 | 451,305,440.47 |
| 2024-10-10 | 1.0025 | 1.0025 | 451,112,308.01 |
| 2024-10-08 | 1.0025 | 1.0025 | 451,095,226.64 |
| 2024-09-30 | 1.0019 | 1.0019 | 450,833,772.81 |
| 2024-09-26 | 1.0016 | 1.0016 | 450,700,212.56 |
| 2024-09-18 | 1.0010 | 1.0010 | 450,453,820.22 |
| 2024-09-12 | 1.0007 | 1.0007 | 450,323,219.84 |
| 2024-09-05 | 1.0004 | 1.0004 | 450,178,420.71 |
| 2024-08-29 | 1.0002 | 1.0002 | 450,099,105.67 |
| 2024-08-22 | 1 | 1 | - |
【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17日
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