For shareholders, the transition occurs automatically for those holding through the Direct Registration System or the Depository Trust Company. Registered holders of certificated ADSs must surrender their certificates to Citibank, N.A., the designated depositary bank, to receive new shares. The bank will consolidate any fractional entitlements, sell them, and distribute the net proceeds to the relevant holders after accounting for necessary fees and taxes.

While the company anticipates a proportional increase in the trading price on the New York Stock Exchange under the ticker LU, it cautioned that market performance remains unpredictable. The change is purely structural and does not impact Lufax’s underlying ordinary shares or its broader financial operations. No ordinary shares will be issued or cancelled during the process, leaving the company's capital structure in China unaffected.