The following risk disclosure statements cannot disclose all the risks involved. You are advised to seek independent financial and professional advice before you trade or invest.

Investment involves risks. Prices of investment products may go up as well as down and may even 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 is not indicative of future performance. Before making any investment decisions, a person should carefully consider whether the investment is suitable in light of his/her financial situation, investment experience, investment objectives, and risk tolerance level.

Securities, investment funds, structured investment products (including Currency-Linked Deposits) and bonds are not equivalent to, nor should they be treated as, a substitute for time deposits. They are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. The life insurance plan is not a bank saving plan embedded with a free life insurance. The premium is not a placement of a savings deposit with the Bank and hence is not protected by the Deposit Protection Scheme in Hong Kong.

The value of RMB is subject to the risk of currency exchange rate fluctuation. Customers will bear the risk of RMB exchange rate fluctuations which may cause profit or loss if the customer chooses to convert RMB to HKD or other currencies. RMB is currently subject to regulatory and foreign exchange restrictions (which might be changed from time to time).

Foreign currency investments are subject to exchange rate fluctuations which may provide both returns and risks. The fluctuation in the exchange rate of currency may result in losses in the event that the customer converts the currency into other currency.

The Bank is the authorized distributor of the fund houses, and is responsible for the introduction of the investment funds. The investment funds are not the product of the Bank. The Bank is not responsible for any terms or obligations of the investment funds.

The Bank is a licensed insurance agency appointed by Fubon Life Insurance (Hong Kong) Company Limited, China Life Insurance (Overseas) Company Limited, MSIG Insurance (Hong Kong) Limited and Zurich Insurance Company Ltd, and is responsible for the introduction of the relevant insurance plans. The relevant insurance plans are not the product of the Bank. The Bank is not responsible for any terms or obligations of the relevant insurance plan.

In case you file a written complaint regarding the selling process or processing of the related transaction to the Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, the Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after the Bank has issued the final written reply. If the complaint/dispute is related to the policy term, it should be resolved directly between the fund houses or the insurance companies and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process.

The information provided in this webpage is for reference only and does not constitute any offer, solicitation, advice or promise to any person to buy/sell, subscribe or enter any transaction for any investment products or services contained herein. You should not base on this marketing material alone to make any investment decision, but should read in detail the relevant offering documents and Risk Disclosure Statements. The investment decision is yours but you should not invest in the investment 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.

This webpage is issued by Fubon Bank (Hong Kong) Limited and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.