Remote Account Opening Service

For the Terms and Conditions of “Second Quarter
Integrated Promotion”

Promotion Date: From Now until 30 June, 2020, both dates inclusive Risk Disclosure Statement: Investment involves risk. Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. The prices of securities fluctuate, sometimes dramatically. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. The above information has not been reviewed by any regulatory authority in Hong Kong. The above information is for reference only and does not constitute a recommendation, an offer or a solicitation for investment. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products. Before entering into any transaction, you are advised to discuss with your own investment advisor or other appropriate professional to understand the possible risks and benefits of the transaction. You should also take reasonable steps to assess the risks and appropriateness of the transaction in the light of your own risk, objectives and circumstances. Please refer to the relevant terms and conditions or consult our staff for the details of promotional program and services. Investment Profile Analysis provided by the Bank is intended to help the customers to understand their risk tolerance level and investment needs. The Bank accepts no responsibility or liability as to the accuracy or completeness of the information or recommendation given. Nothing in this Investment Profile Analysis or result shall constitute or be regarded as constituting a recommendation, offer or solicitation to buy or sell investment products. Risk Disclosure Statements for Foreign Currency and RMB: Foreign currency investments are subject to exchange rate fluctuations which may involve risks. The fluctuation in the exchange rate of foreign currency may make a gain or loss in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies. Foreign currency rates of exchange may adversely affect the value, price or income of any security or related investment. Investors are urged to consider the tax consequences before making an investment and should seek tax advice based on their particular circumstances from an independent tax professional. This document does not purport to identify all the risks that may be involved in the related investments. Before making investment decision, investors should read and understand the offering documents of such products, including but not restricted on the risk disclosure statement and health warning.RMB is subject to exchange rate risk and is currently not freely convertible. Conversion of RMB or provision of RMB services through banks in Hong Kong is subject to relevant RMB policies, other restriction and regulatory requirements in Hong Kong. No prior notice will be given for any changes which may be made from time to time.