360 Ludashi Holdings Limited (stock code: 3601) disclosed a new structured deposit agreement in an announcement dated 19 January 2026. Pursuant to “Structured Deposit Product Agreement XLIX,” Chengdu Mijiayou, a subsidiary of 360 Ludashi, subscribed to a 59-day principal-guaranteed deposit of RMB50 million from China Merchants Bank. The subscription was funded by proceeds redeemed from an earlier matured product under “Structured Deposit Product Agreement XLVIII.”

According to the announcement, the deposit’s interest rate is determined by gold price movements and may range from 1.00% to 1.76% per annum. The Company conducted comparisons of deposit rates from several commercial banks in the PRC, concluding that this product’s potential return exceeded standard deposit offerings. The deposit is intended to help better utilize idle funds without affecting the Group’s operational liquidity.

Under the Listing Rules, the new subscription has been aggregated with previous similar deposits, and one or more applicable percentage ratios exceeded 5% but were below 25%. As a result, the transaction is classed as a discloseable transaction, requiring notification and an announcement under Chapter 14 of the Listing Rules. The Board maintains that the subscription derives from arm’s-length discussions, serves legitimate treasury management purposes, and remains in the interests of shareholders.