To participate in and benefit from the investment opportunities brought by the uptrend of the RMB, you have to get ready early on. Build up a sufficient pool of RMB funds in order to make your move at any time. While you are waiting for the right opportunity to invest, your RMB deposits can earn you stable interest returns plus steady growth potential. You can take advantage either on the sidelines or on the field.

RMB Currency Risk
Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong, like other Renminbi services provided by banks in Hong Kong, are subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). For example, for a personal customer, conversion to/from RMB through banks in Hong Kong is currently subject to a daily limit. Customers should be aware of the time required for conversion of RMB from/to another currency of an amount exceeding the daily limit. The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.