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This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit 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. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.

Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.

This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

Investment in this product is subject to the credit risk of the Bank.