Risk Disclosure

• Foreign currencies / RMB investment are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customers convert the foreign currencies / RMB into Hong Kong dollar or other foreign currencies.
• RMB is currently not fully freely convertible and conversion of RMB through banks account is subject to a daily limit. Customers should allow time for exchange of RMB exceeding the daily limit.
• Investments in Investment Funds involve risks. Certain mutual funds and unit trusts (“Investment Funds”) are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
• The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
• The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
• The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
• The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. Customers should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

Remarks:

1. The minimum monthly contribution for Monthly Stocks Savings Plan includes brokerage fee, stamp duty, transaction levy and transaction charge.
2. The minimum monthly contribution for Monthly Funds Savings Plan includes subscription fee. The charge will be calculated on the basis of a certain percentage of the monthly investment amount. Please refer to the relevant fact sheets, Fund Explanatory Memorandum/Prospectus for details. Any latest announcement from the fund house shall be conclusive.
3. Should customers withdraw the Monthly Funds Savings Plan within 12 months, Bank of China (Hong Kong) Limited reserves the right to charge a handling fee (equivalent to 2% of the total investment amount).

• The above products are subject to the relevant terms and conditions. For details, please contact the staff of Bank of China (Hong Kong) Limited (the “bank”.)
• The Bank reserves the right to amend, suspend and terminate the above products, and to amend the relevant terms and conditions at its sole discretion without prior notice to customers.

• Foreign currencies / RMB investment are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customers convert the foreign currencies / RMB into Hong Kong dollar or other foreign currencies.
• RMB is currently not fully freely convertible and conversion of RMB through banks account is subject to a daily limit. Customers should allow time for exchange of RMB exceeding the daily limit.
• Investments in Investment Funds involve risks. Certain mutual funds and unit trusts (“Investment Funds”) are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
• The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
• The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
• The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
• The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. You should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

Risk Disclosure

• Foreign currencies / RMB products are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customer converts the foreign currencies / RMB fund into Hong Kong dollar or other foreign currencies.
• RMB is currently not fully freely convertible and conversion of RMB through banks account is subject to a daily limit. Customer should allow time for exchange of RMB from / to another currency of a RMB amount exceeding the daily limit.
• Certain mutual funds and unit trusts ("Investment Funds")are structured products involving derivatives. Investments in Investment Funds involve risks. The price movement of Investment Funds may be volatile. The price of Investment Funds may go up as well as down, and may even become valueless. Therefore, you may not receive any return from your investment in Investment Funds, or may sustain losses in your investment. You may not be able to liquidate your investment immediately under certain market conditions. Before making any investment decisions, you should seek independent financial advice.
• The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
• The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, you should also carefully consider whether the trading or the investment is suitable for you having regard to your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If you are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, you should seek independent professional advice.
• The investment decision is yours but you should not invest in any investment product unless the intermediary who sells such investment product to you has explained to you that such product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investments involve risks (include investment in RMB), you should read carefully the relevant offering documents and risk disclosures of the relevant product for details.
• The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. You should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

Risk Disclosure

• Foreign currencies / RMB investment are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customers convert the foreign currencies / RMB into Hong Kong dollar or other foreign currencies.
• RMB is currently not fully freely convertible and conversion of RMB through banks account is subject to a daily limit. Customers should allow time for exchange of RMB exceeding the daily limit.
• Investments in Investment Funds involve risks. Certain mutual funds and unit trusts (“Investment Funds”) are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
• The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
• The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
• The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
• The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. You should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

Risk Disclosure

• Investments in Investment Funds involve risks. Certain mutual funds and unit trusts (investment Funds are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
• The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
• The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
• The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
• The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. Customers should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.