In view of the closer connection between Hong Kong and the Mainland China, Fubon Bank understands your needs for more comprehensive RMB financial solutions. We provide you with an array of diversified personal RMB services, allowing you to manage your RMB transactions easily.

RMB Deposit Services

Our RMB deposit accounts^1,2 provide you with preferential interest rate³ as well as consolidated statement which allows you to view all transaction details at a glance. Moreover, various RMB deposit accounts below are ready at your service to suit your financial needs.

Savings Account

• Interest will be credited to RMB Savings Account on a monthly basis
• Initial deposit for account opening is RMB500 only

Current Account⁴

• Interest will be credited to Fubon magi©money manager RMB Interest-bearing Current Account on a monthly basis
• Initial deposit for account opening is RMB500 only
• Cheque issuance⁵
  

  -	No limitation on the cheque amount for cheques issued in Hong Kong
  -	Aggregate limit of RMB cheques issued for the acquisition of customer goods and/or services within Guangdong Province (including Shenzhen) in the Mainland China is RMB80,0006 per account per day

Fixed Deposit Account

• Tenors from 1 week to 12 months are available at your selection
• Initial deposit for account opening is RMB10,000 only

RMB Investment Services

• RMB Investment Fund Services
  

  -	We distribute various RMB-denominated open-ended investment funds and enhance your potential long term capital gain by investing the global markets through RMB

• RMB Bond
  

  -	Provide various maturity periods for you to capture stable return

• Currency Linked Digital Structured Deposit
  

  -	100% principal protected, as well as have a chance to earn enhanced potential returns when the performance of the Reference Currency Pair is in line with the expectations.

• RMB FX Forward Exchange Services
  

  -	You can fix forward exchange rate with the Bank (within one year tenor) in order to exchange RMB.

RMB Insurance Services

• RMB Denominated Savings Insurance Plan
  

  -	It enables you to meet your insurance needs and financial goals

RMB Exchange Services

• Provide preferential exchange rate
• Customers who have our RMB Deposit Account can enjoy exchange services from Hong Kong Dollar to RMB or vice versa
• You can set up standing instruction at any of our branches for automatic RMB exchange from your Hong Kong Dollar account

RMB Remittance Services7

Customers who have our RMB Deposit Account can enjoy RMB Remittance Services, including:

• Local remittance
  

  -	No limitation on fund remittance to any local bank’s accounts

• Remittance from Hong Kong to the Mainland China
  

  -	Remitter and beneficiary should be the same person
  -	The beneficiary must open and maintain an account in the Mainland China
  -	Remittance limit is RMB80,0008 per customer per working day

Other RMB Services

• 24-hour RMB Banknotes Withdrawal Service
  

  -	You can withdraw RMB banknotes through any ATMs of Fubon Bank in Hong Kong# without charge

• Cashier’s Order Service

The account opening procedure is simple, act now!

For details, please visit any Fubon Bank branches or call us at 2566 8181 (press 3 after language selection) during office hours^*.

^* Monday to Friday: 9am to 7pm; Saturday: 9am to 1pm (except public holidays).

^#Except Jordan, Mong Kok and Kwun Tong Branch.

Terms and Conditions

Remarks:

1. RMB Deposit Services are only applicable to personal customers aged 18 or above ("Personal Customer").
2. Each Personal Customer can open one personal savings account and/or current account at maximum.
3. Preferential interest rate of RMB Deposit Account is subject to change according to the market environment and is based on the interest rate announced by Fubon Bank (the "Bank") from time to time. Interest of preferential interest rate is paid on simple basis and is calculated on a 360-day year basis.
4. Overdraft and phone banking services are not applicable to RMB current account.
5. RMB cheques are not transferable.
6. RMB cheques issued by Personal Customer who is a non-Hong Kong resident are not allowed to use in the Mainland China. The Bank reserves the right to charge Personal Customer any returned cheque charge and/or other charges (if applicable) according to the list of service charges.
7. Remittance services are available from Mondays to Fridays and not available on Saturdays and public holidays of the Mainland China and Hong Kong. For details of our remittance services and the related cut-off time please refer to the Bank’s staff.
8. Daily maximum remittance amount from Hong Kong to the Mainland China is RMB80,000 per Personal Customer who is a Hong Kong resident. In case the aggregate remittance amount exceeds the daily maximum remittance amount, the remittance instruction will be rejected and the fund will be returned. The above-mentioned daily maximum remittance amount is not applicable to Personal Customer who is a non-Hong Kong resident. The funds remitted to the Mainland China or other places outside Hong Kong for a Personal Customer who is a non-Hong Kong resident is subject to the local regulatory requirements and rules of the Mainland China or the relevant jurisdictions. Customers should pay attention that outward remittance may be rejected due to local regulatory requirements and rules and subject to charges applicable to returned remittance.
9. For charges and terms & conditions of the RMB accounts and services and other relevant charge details of the Bank, please refer to the “Supplemental Global Terms and Conditions for Accounts and Services: Terms and Conditions for Renminbi Account of Fubon Bank (Hong Kong) Limited” and the latest list of service charges or contact the Bank’s staff.

Risk Disclosure Statement:

The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you trade or invest. 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. Past performance is not indicative of future performance. It is as likely that losses will be incurred rather than profit made as a result of buying and selling investment products.

Currency-linked products/certain unit trusts are investment products involving derivatives. The investment decision is yours but you should not invest in the investment products 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.

Currency-linked products/bonds/insurance products are not equivalent to, nor should it be treated as a substitute for time deposit. They are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.

Part of the premium of life insurance plans pays for the insurance and related costs. You should note the long-term nature of the plans. If you surrender the policy before the end of the term, the amount to be received by you may be less than the total paid premiums, and thus resulting in a pecuniary loss. The policyholder is subject to the credit risks of the insurance company.

Bonds are subject to the risk of the issuer defaulting on its obligations, customers may not be able to receive back the principal and interest. Credit ratings assigned by credit rating agencies do not guarantee the creditworthiness of the issuer. Bonds are more susceptible to fluctuations in interest rates and generally prices of bonds will fall when interest rates rise. Bonds may not have active secondary markets and it would be difficult or impossible for investors to sell the bond before its maturity. Even you can sell your bonds before maturity, you may receive an amount lower than the original investment amount. If you invest in foreign currency bonds, customers may incur loss if they convert to local currency where there is devaluation in foreign currency. If a bond is early redeemed and you reinvest the funds in similar bonds, your return may be substantially reduced.

The value of RMB is subject to the risk of currency exchange rate fluctuation. Customer should bear the risk of RMB exchange rate fluctuations which may cause profit or loss if customer chooses to convert RMB to HKD or other currencies. For RMB products which are not denominated in RMB or with underlying investments which are not RMB-denominated, such products will be subject to multiple currency conversion costs involved in making investments and liquidating investments, as well as the RMB exchange rate fluctuations and bid/offer spreads when assets are sold to meet redemption requests and other capital requirements. Renminbi is currently subject to regulatory and foreign exchange restrictions (which might be changed from time to time).

Important Note:

This marketing material is issued by Fubon Bank (Hong Kong) Limited and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong and is for reference only, and does not constitute, nor is it intended to be, nor should it be construed as any advice, offer or solicitation to deal in any of the investment products mentioned herein. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objectives. 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 or seek independent professional advice if in doubt. 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.