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General Risk Disclosure of Investment

This website does not constitute any offer, solicitation, recommendation of any investment products or services. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by customers. Customers' funds may increase or reduce due to the purchase or sale of investment products. The loss incurred from investment may be the same or greater than the initial investment amount. Proceeds may also change accordingly. Part of the investment may not be able to liquidate immediately under certain market situations. Before making any investment decisions, customers should consider their own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. For the nature and risk disclosures of individual investment products, customers should read carefully the relevant offering documents for details. Customers should seek independent professional advice.

Risk Disclosure of RMB Currencies, Remittance, Investment and Insurance Services

  1. RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. For RMB Life Insurance Plans, if calculated in Hong Kong Dollar, premiums, fees and charges, account value / surrender value and benefits payable under RMB policies will vary with the exchange rate. The fluctuation in exchange rate may result in losses if a customer chooses to pay premiums in Hong Kong Dollar, or requests the insurer to pay the account value / surrender value or benefits in Hong Kong Dollar, for a RMB policy.
  2. RMB is currently not fully freely convertible. Hong Kong residents conducting conversion of RMB through bank accounts are subject to a daily limit. Hong Kong residents should allow time for exchange of RMB from / to another currency of an RMB amount exceeding the daily limit. Non-Hong Kong residents (i.e. individuals who are not holders of Hong Kong Identity Card) who intend to conduct conversion of RMB through banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment.
  3. For services involving cross-border flow of RMB funds, they will be subject to the rules and requirements of the Mainland of China.