Product Risk Rating and Customer Risk Profile

Product Risk Rating and Customer Risk Profile Customer Investment Risk Questionnaire aims at assessing individual customer’s general risk tolerance and investment profile in order to assist the customer in making investment decisions and assist Fubon Bank in understanding the customer’s investment objectives and needs. The result of the Questionnaire is derived from the information provided by the customer, e.g. financial situation, investment experience, investment objective, investment knowledge, investment horizon, risk tolerance, etc.

Fubon Bank has classified all the investment products into 5 categories according to their risk levels, i.e. from P1 to P5 whereas P1 is the lowest level of product risk rating and P5 is the highest level of product risk rating. The product risk rating is derived from different risk factors, e.g. currency risk, interest rate risk, credit risk, etc.

Product Risk Rating	Customer Risk Profile & Implications
P1 (Low Risk) Investment products with low risk may be suitable for Conservative Investor.	Conservative These customers in general prefer investment products of low uncertainty on returns or preserve capital. These customers have fair or solid financial situation and/or are equipped with no or limited knowledge and/or experience in financial investment.
P2 (Medium to Low Risk) Investment products with medium to low risk or below may be suitable for Moderately Conservative Investor.	Moderately Conservative These customers in general are willing to take some risk so as to achieve returns better than bank deposits. These customers have fair or sound financial situation and/or are equipped with no or limited knowledge and/or experience in financial investment.
P3 (Medium Risk) Investment products with medium risk or below may be suitable for Balanced Investor.	Balanced These customers in general are willing to take a certain degree of risk so as to achieve better returns. These customers possess sound financial capability to absorb the corresponding investment loss and/or are equipped with knowledge and/or experience in financial investment.
P4 (Medium to High Risk) Investment products with medium to high risk or below may be suitable for Moderately Aggressive Investor.	Moderately Aggressive These customers in general are willing to take higher risk so as to achieve higher returns. These customers have good financial capability to bear loss from high-risk investment; and/or are equipped with the extensive knowledge and/or experience in financial investment.
P5 (High Risk) Investment products with high risk or below may be suitable for Aggressive Investor.	Aggressive These customers in general demonstrate a strong preference on very-high risk or leverage investment. These customers have strong financial capability to deal with the loss incurred from the related investment; and/or are equipped with the extensive knowledge and/or experience in financial investment.

Disclaimer :
The Customer Investment Risk Questionnaire is constructed by Fubon Bank (Hong Kong) Limited (“Fubon Bank”) to analyze your risk profile. Research support and testing have been provided by CT Risk Solutions Limited. The Questionnaire and the results should be used only as a reference in making your own investment decisions and it is not an offer to sell or solicitation for an offer to buy any financial products and services and they should not be considered as investment advice. The results of the Questionnaire are derived from the information provided to Fubon Bank by you. Both Fubon Bank and CT Risk Solutions Limited accept no responsibility or liability as to the accuracy and completeness of such information and the results of the Questionnaire unless otherwise required by laws and regulations.

You may from time to time make investment decisions which are different from your preferences and other information indicated in the Questionnaire. Before making any investment decision, you should fully understand the product risks and merits, determine that the investment is consistent with your objectives and that you are able to assume all risks.

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