Special legal services for Zhongying 2018 First Personal Housing Mortgage Loan Securitization Trust Project

Hylands Law Firm provided full-process legal services for the personal housing mortgage loan securitization trust asset-backed securities of CNY 10.5 billion initiated by Bank of China Limited and issued by CITIC Trust Co. Ltd. The main services provided included: arranging relevant domestic legal regulations and regulatory requirements, industry development overview; conducting sampling legal due diligence on the pooled assets, judging whether they are in line with the criteria for pooled assets, and issuing a due diligence report; analyzing the product structure, legal relationship, legal nature, focus of disputes, legal risk points and other aspects to prompt legal risks and put forward suggestions to prevent related legal risks; drafting the contract text related to this project, discussing and designing the product transaction structure and contract terms, drafting the contract text such as definition list, trust contract, service contract, fund custody contract, lead underwriting agreement, etc.; reviewing and judging the entity qualification, transaction structure, asset pool formation, trust establishment, transaction documents, etc. of the project on the basis of due diligence, and issuing legal opinions, etc.