1. Background

　　As economic and trade relations between China and foreign countries become increasingly intertwined, and financial cooperation continues to progress, Harbin Bank remains aligned with current financial trends. By adhering to a customer-centric approach, the bank leverages its cross-border financial advantages to continuously innovate its products and services, and offers tailored financial solutions for various stages of foreign investment, including establishment, capital injection, operation, and ongoing management.

　　2. Target Audience

　　Enterprises established within China in accordance with Chinese law, jointly invested by Chinese investors and foreign investors, or solely invested by foreign investors.

　　3. Service Content

　　(1) Establishment Stage

　　Our financial service solutions for the establishment stage focus on addressing the key needs of businesses during their formation. We offer consulting and advisory services, assist with foreign investment registration, initial expense recording, and fund transfers. Additionally, we handle special account registration for guarantee deposits and facilitate fund transfer services, including NRA account management.

　　1. Foreign Investment Registration:  

　　We assist with obtaining investment approvals, completing filings, and handling foreign exchange registration services.

　　2. Initial Expense Registration and Fund Transfer  

　　We assist in registering essential business information and opening accounts for initial expenses, ensuring your funds are ready for market research, office space rentals, equipment purchases, and personnel hiring when setting up a foreign-invested enterprise.

　　3. Guarantee Deposit Account Registration and Fund Transfer:  

　　We assist in opening guarantee deposit accounts and offer fund inflow and outflow services, meeting verification requirements and ensuring the security of guarantee funds for domestic direct investments, particularly in bidding processes.

　　4. NRA Account Services:  

　　We assist your overseas investors in opening NRA accounts, providing settlement, foreign exchange settlement and sale, and asset preservation and appreciation services, facilitating the centralized management of overseas funds.

　　(2) Capital Injection Stage

　　During the capital injection stage, Harbin Bank offers services including the opening of foreign exchange capital accounts, foreign exchange settlement, asset preservation and growth, as well as hedging against exchange rate risks.

　　1. Account Opening and Fund Deposit  

　　We offer the opening of capital accounts and settlement accounts pending payment based on your requirements, and ensure the registration of foreign exchange capital or subscribed contributions from foreign investors.

　　2. Settlement and Transfer:

　　(1)Payment Settlement: We facilitate fast and convenient fund transfers within your approved business scope, based on the actual foreign exchange settlement and payment purposes.

　　(2) Discretionary Settlement: We will settle the funds into your pending payment account based on your preferred settlement method and process various payment transactions according to your instructions.

　　3. Asset Preservation and Appreciation Services  

　　We offer personalized asset preservation and growth services for both domestic and foreign currency funds held in capital accounts and settlement accounts pending payment.

　　(3) Operation Stage

　　During the operation stage, Harbin Bank provides financing and related services such as outward guarantee for inward loans, cross-border direct loans, and overseas borrowing, depending on your business capital turnover needs and project construction requirements.

　　1. Outward Guarantee for Inward Loans 

　　refers to the various financing or credit facilitation services Harbin Bank offers under the condition of credit guarantees provided by overseas financial institutions.

　　2. Cross-border Direct Loans  

　　refers to Harbin Bank issuing financing guarantees or standby letters of credit for eligible domestic or foreign-invested enterprises, enabling overseas partner institutions to provide direct financing in both domestic and foreign currencies based on the guarantee.

　　3. Overseas Borrowing:  

　　refers to funds borrowed by enterprises from financial institutions (excluding foreign-funded financial institutions within China), companies, individuals, or other economic organizations outside of China, with the obligation to repay in foreign currency. Harbin Bank can provide services such as opening external debt accounts, registration, foreign exchange settlement, and payment processing.

　　(4) Follow-Up Stage

　　During the follow-up stage, Harbin Bank will assist you with services such as foreign investment change registration, stock equity registration, asset liquidation, profit repatriation, reinvestment, liquidation, capital reduction, and any other services you may require.

　　1. Foreign Investment Change Registration  

　　We provide services to meet your needs for changes in basic company information, such as updates to business license details, investment information changes, mergers, splits, registration currency changes, and deregistration.

　　2. Stock Equity Registration  

　　We assist in registering domestic investment stock equity in compliance with legal and regulatory foreign exchange requirements.

　　3. Asset Liquidation 

　　When capital increases, decreases, equity transfers, liquidation, or debt recovery occur, we assist with opening an asset liquidation account and facilitate the settlement, transfer, and payment of funds within your approved business scope.

　　4. Profit Repatriation  

　　We assist in repatriating profits to foreign investors according to the profit distribution resolution.

　　5. Reinvestment  

　　If you invest in establishing companies or purchase equity in other companies in China, we assist with reinvestment registration, account opening, fund deposit, and transfer services.

　　4. Service Advantages  

　　(1) Establish an experienced cross-border financial services team to create a comprehensive, personalized financial service plan tailored to your needs.  

　　(2) Offer free capital account opening services for various types of special accounts, along with value preservation, appreciation, and foreign exchange hedging services

　　(3) In line with foreign exchange regulatory policies, we offer payment facilitation services for capital items. Transactions can be processed directly with a payment instruction letter and subsequently filed for record as required by regulations. 

　　(4) Our convenient and efficient cross-border settlement services help you effectively mitigate risks.

　　(5)  Leveraging Harbin Bank's extensive domestic and international correspondent bank network, we tackle the challenges of costly and complex domestic financing, offering fast approvals and streamlined operations.