Industrial and Commercial Bank of China (Asia) Limited (the “Bank”) distributes the fund product for the fund houses and the fund product is a product of fund houses but not that of the Bank. The Bank is an agent of the insurance companies and the relevant insurance product is the product of the insurance companies but not the Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the fund/ insurance product should be resolved between directly the fund houses/ insurance companies and the customer.
The above information is for reference only. Investment involves risk. The prices of investment products fluctuate, sometimes dramatically. The price of the investment products 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 investment products. Past performance of any investment product is no guide to its future performance. “Structured Deposits” 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. “Structured Deposits” is not a protected deposit and are not protected by the Deposit Protection Scheme in Hong Kong.
Risk of margin trading
The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. You may be called upon at short notice to make additional margin deposits or interest payments. If the required margin deposits or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. Before making investment decision, you should thoroughly study the offering documents, financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances including financial position and needs, investment experience and objective to ensure the investment is suitable for your particular investment needs and risk tolerance capacity. You should seek independent professional advice on legal, tax, financial and other issues in connection with the investment before any trading or investment. This promotional material does not constitute an offer or solicitation for the purchase or sales of any investment products. This promotional material is issued by Industrial and Commercial Bank of China (Asia) Limited and the contents have not been reviewed by Securities and Futures Commission.
To borrow or not to borrow? Borrow only if you can repay!