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|Mainland partner bank:|
|-||Investment involves risks. Terms and Conditions are applied. The information contained in this document is not for the purpose of providing investment advice and does not constitute any offer, invitation, advice or recommendation for any transactions with any persons. Customers should read and fully understand all the relevant documents for detailed information, including but not limited to the related risk disclosures of the Cross-boundary Wealth Management Connect ("WMC") (including but not limited to quota restrictions, practices differing between the Mainland and Hong Kong, investment risk, currency risk, risks in the Mainland market, etc.) before making any investment decisions. The information of this document has not been reviewed by the Securities and Futures Commission of Hong Kong ("SFC") or any regulatory authorities in Hong Kong.|
|-||The products described herein may not be suitable for all people. If customers have any doubt about this material or any relevant offering document, they should consult their own independent advisers on the legal, regulatory, tax, investment and financial implications of the investments (including but not limited to estate duty and withholding tax and other tax obligations which may arise from local or foreign investment) as they deem appropriate to ensure that they understand the nature of the investments in order to consider whether the investments are suitable investments for them.|
|-||Exchange and RENMINBI Currency Risk: Foreign currency investments are subject to exchange rate fluctuations which may result in losses. If the investment is denominated in a foreign currency or invest in assets denominated in a currency other than the base currency, you may face an exchange rate risk or exchange controls or any other restrictions which the return or amount you receive after redemption may be reduced. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into Hong Kong dollars or other foreign currencies. If RENMINBI is involved in the investment product(s), offshore RENMINBI exchange rate will be quoted. The offshore RENMINBI exchange rate may be at a premium or discount to the exchange rate for onshore RENMINBI and there may be significant bid and offer spreads. RENMINBI is subject to exchange rate risk, RENMINBI is currently not freely convertible. Customers should be aware that they can conduct conversion of RENMINBI through bank accounts, for which it is subject to the requirements specified by the Relevant Authorities from time to time (the requirements may amend from time to time without any prior notice) the requirements specified by the Bank and/or the RMB position and commercial decisions of the Bank at that moment.|
General Terms and Conditions