Asset Appreciation

In addition to maintaining adequate working capital, you can consider using your funds for investment. We offer a suite of investment products and solutions that allow you to select the best strategy to attain different investment objectives according to your business needs and risk tolerance level. Aside from a commercial banking account, we also provide one-stop personal financial services to suit your financial needs.

Risk Disclosure:
The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before your trade or invest. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objective. You are advised to seek independent financial and professional advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.

Risk Disclosure of Securities Trading: 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.

You are advised to understand the relevant details, charges and important notes before investing in Shanghai A shares. For details, please refer to the “Important Notice of Trading Shanghai A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect” in “Hong Kong Investors Invest in A Shares” of Bank website www.bochk.com or contact BOCHK’s staff.

Risk Disclosure and Important Notice for Structured Products (Including Structured Investments)
This is a structured investment product involving derivatives.  The investment decision is yours but you should not invest in this product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investment involves risks.  The following risk disclosure statements cannot disclose all the risks involved.  You should not invest in Structured Investments based on this page alone. You should read and understand the Bank's Conditions for Services and all of the offering documents before deciding whether to invest in this product.  You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objectives.

Important Notice
The following risk disclosure statements cannot disclose all the risks involved. Prior to trading or investment, you should collect and study the information required for your investment. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objectives. You should seek independent financial and professional advice before trading or investment. If you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment, you should seek independent advice.

Not a time deposit - Structured Investments is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong, China.

Derivatives risk - Structured Investments is embedded with a European digital currency option which can only be exercised on the final fixing date if the specified condition for exercise is satisfied, in which case you may either receive the interest amount calculated at a higher interest rate, or otherwise, you will receive the interest amount calculated at a lower interest rate. The interest amount is therefore unknown in advance.

Limited potential gain - The maximum potential gain is limited to the interest amount calculated at the higher interest rate as prescribed in the term sheet of this product.

Principal protection at maturity only (only applicable to Structured Investments - Target Rate Investment) - The principal protection feature is only applicable if the Target Rate Investment is held to maturity.

Not necessarily principal protection (only applicable to Structured Investments - Non-Principal Protected Target Rate Investment) - Subject to the movements in the exchange rate of the currency pair, you may have only limited principal protection even if the Non-Principal Protected Target Rate Investment is held to maturity.  You could lose part of your principal amount.

Not the same as buying any currency of the currency pair - Investing in Structured Investments is not the same as buying any currency of the currency pair directly.

Market risk - The return on Structured Investments is dependent on movements in the exchange rate of the currency pair. Currency exchange rates may move rapidly and are affected by a number of factors including, regional, national and international financial, economic, political and other conditions and events and may also be subject to intervention by central banks and other bodies.

Liquidity risk - Structured Investments is designed to be held till maturity. Once the transaction for this product is confirmed, you will not be allowed to early withdraw or terminate or transfer any or all of your investment before maturity.

Credit risk of the Bank - Structured Investments is not secured by any collateral. If you invest in this product, you will be taking the credit risk of the Bank. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your principal amount and the potential interest amount.

Currency risk - If the investment currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you should note that exchange rate fluctuations may have an adverse impact on, and the potential loss may offset (or even exceed), the potential return of the product.

RMB Conversion Limitation Risk - 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. (Only applicable to Individual Customers) RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and 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. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. (Only applicable to Corporate Customers) RMB is currently not fully freely convertible. Corporate customers that 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. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

No secondary market - Structured Investments is not a listed security. There is no secondary market for you to sell the Structured Investments prior to its maturity.

Not covered by Investor Compensation Fund - Structured Investments is not covered by the Hong Kong, China Investor Compensation Fund.

This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service.

General Terms:

• The above products and services are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
• BOCHK reserve the right to amend, suspend and terminate the above products and services and to amend the relevant  terms at any time at its sole discretion without prior notice.
• In case of any dispute, the decision of BOCHK shall be final.
• In case of any discrepancy between the Chinese and English versions of the promotion material, the Chinese version shall prevail.