This is a structured product involving derivatives. The investment decision is yours but you should not invest in the 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.

Disclaimer
The above information does not constitute a recommendation to enter into any transaction. The Bank is not acting as your adviser or in a fiduciary capacity in respect of this proposed transaction or any other transaction unless otherwise agreed, and accepts no liability whatsoever with respect to the use of this information. Before entering into any transaction, you should take steps to ensure that you understand the transaction and have made an independent assessment of the appropriateness of the transaction in the light of the your own objectives and circumstances. You should also consider making such independent investigations as you consider necessary or appropriate for such purposes. The Bank does not make any representation or warranty as to the outcome of any investment in connection with this information.

Remark
The above-mentioned products should not be treated as a proxy or a substitute for a standard time deposit. Early withdrawal is NOT allowed. They are not protected deposits. They are not protected by the Deposit Protection Scheme in Hong Kong and are not guaranteed by the Hong Kong SAR Government's Exchange Fund. Customers who have any concerns about the above products should consult their professional advisers. For details, please refer to relevant product offering documentation.