Risk Disclosure & Important Notice

　　1．The Bank’s personal Online Banking Services are subject to the Bank’s Supplemental Terms & Conditions for Accounts Using E-Banking Services.

　　2．This promotional material is for reference only, the content herein does not constitute any offer, solicitation or recommendation of any investment product or service. The details, amount, time and any other information thereof are subject to relevant terms and conditions of the investment product or service with the Bank.

　　3．Currency conversion risk: foreign currency (including RMB) investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that client converts the foreign currency into Hong Kong dollar/RMB or other foreign currencies. RMB is currently not freely convertible and subject to regulatory restrictions (subject to changes by Hong Kong and Mainland government and/or regulatory bodies from time to time).Clients might have to spare time for the conversion, subject to the regulatory restrictions at that time.

　　4．The Bank reserves the rights to change, suspend or terminate the above products, services or promotional offers and to amend or terminate the relevant terms and conditions at any time at its sole discretion without prior notice. In case of any dispute(s), the decision of the Bank shall be final.