Risk Disclosure Statements for Currency Linked Deposit

These risk disclosure statements are not exhaustive in referring to all the risks involved. The Customer must carefully consider whether Currency Linked Deposit ("CLD") is suitable for his/her investment in light of his/her own financial position, investment objectives and the risks he/she agrees to bear before investing in CLD. The Customer is advised to seek independent financial and professional advice.CLD is different from traditional fixed deposit in that it is a type of structured product investment that involves considerable risks. CLD is not principal protected. The return of CLD depends on the market conditions prevailing at the fixing time on the fixing date. Customers may suffer a loss as a result of depreciation in the value of the linked currency. Such loss may offset the interest earned on the deposit and may even result in loss in the principal amount of the deposit. The linked currency credited to the Customer may be worthless in extraordinary circumstances and the Customer may lose all principal and interest of the deposit. The Customer may not withdraw CLD, or request the bank to close his/her position, before maturity. CLD will not be automatically renewed. The maximum return on CLD is limited to a predetermined amount of principal and interest even if the Customer's view of the market movement of the linked currency is correct. CLD is not the same as and should not be regarded as a substitute for normal fixed deposits. The Customer investing in CLD faces Issuer's Risk including reliance on Chong Hing Bank's creditworthiness. The product is subject to both the actual and perceived measures of the creditworthiness of the Bank and there is no assurance of protection against a default by the Bank in respect of its payment obligations. In the worst scenario, such as arising from the insolvency of the Bank, the Customer may lose all principal and interest of the CLD. Currency Linked Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The repayment of Currency Linked Deposit is not guaranteed by the Hong Kong SAR Government's Exchange Fund.

All CLD transactions are subject to the Bank's Investment Account General Terms and Conditions, Currency Linked Deposits Terms and Conditions and Account Rules, all as amended and/or supplemented at the Bank's sole discretion which may be in force from time to time. Chong Hing Bank has taken reasonable procedures to ensure the accuracy of the information at the time of publishing this document. This document is for information only solely for reference purpose and does not constitute any offer, solicitation to invest, advice or recommendation.