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Investment involve risks. The service is subject to Terms and Conditions. Please contact the Bank for more details.

Terms and Conditions:

- Industrial and Commercial Bank of China (Asia) Limited reserves the right to vary and/or terminate these Terms and Conditions.

- In case of dispute, the decision of the Bank shall be final and conclusive.

- Any person or entity that is not a party to these Terms and Conditions shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, Laws of Hong Kong) to enforce any part of these Terms and Conditions.

Risk Disclosures:

Investment Funds: Investment involves risks. The prices of investment fund 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 fund. Past performance of any investment fund is no guide to its future performance.

Bonds: Bonds are mainly for medium to long term investment, you should be prepared to invest your funds in bonds for the full investment tenor; you could lose part or all of your investment if you choose to sell bonds prior to maturity. You should bear the credit risk of the issuer. The price of bonds may fluctuate and the factors affecting market price of bonds include, but not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. The Bank does not guarantee the existence of secondary market.

Foreign Exchange Risk: The value of your foreign currency will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to foreign currency, you may suffer loss in principal.

Risks relating to RMB: The Chinese Renminbi is currently a restricted currency. Due to the exchange controls and/or restrictions which may be imposed by the PRC government on the convertibility or utilization of RMB from time to time, there is no guarantee that disruption in the transferability, convertibility or liquidity of RMB will not occur. There is thus a likelihood that you may not be able to convert the Chinese Renminbi received into other freely convertible currencies.

Important Notice:

The above risk disclosure statements cannot disclose all the risks involved. If you wish to obtain the comprehensive risk disclosure, please approach our branch staff for enquiries. 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, investment experience and objective to ensure the investment is suitable for your particular investment needs and risk tolerance capacity. You should seek independent financial and professional advice before any trading or investment. This promotional material does not constitute an offer or solicitation for the purchase or sales of any investment products and is not treated as actively promoting “Cross-boundary Wealth Management Connect” scheme to the public outside Hong Kong by the Bank. 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.

The Bank distributes the fund product for the fund houses and the fund product is a product of fund houses 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 product should be resolved directly between the fund houses and the customer.

“ICBC (Asia)” or “The Bank” is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.