Please refer to Descriptive information of Personal Account Operations for information concerning your saving deposit account, current deposit account, time deposit account, phone banking service and various payment services, etc.

1. [1] You must hold a Hang Seng Integrated Account to open a RMB Savings Account as a sub-account.
   
2. [2] Remittance service isn't applicable to MTR station offices and joint-name accounts. The exchange service is 
        only available at designated branches and MTR station offices.
3. [3] Except SGD account where you can only transact via branch counters.
4. [4] To open a RMB Current Account, you must be a RMB Savings Account holder aged 18 or above.
5. [5] RMB cheques are non-transferable. It isn't applicable for non-HKID card holders to issue RMB cheque for
        consumer spending in Guangdong Province (including Shenzhen) in mainland China.
6. [6] If the time deposit maturity date and interest payment date fall on a non-clearing day, such as Sunday, Hong Kong
        public holiday, or due to adverse weather such as typhoon signal or rainstorm warning, the deposit or interest will
        be paid on the next clearing day, with the interest being paid up to but excluding that day, based on the contract
        interest rate.
7. [7] The 4 and 5-year deposit terms are only available for USD time deposits.
8. [8] If the time deposit maturity date and interest payment date fall on a non-clearing day, such as Sunday, Hong Kong
        public holiday, holidays of the country or region where the currency is issued, or due to adverse weather such as
        typhoon signal or rainstorm warning, the deposit or interest will be paid on the next clearing day, with the interest
        being paid up to but excluding that day, based on the contract interest rate.

1. i. 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 may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
   
2. ii. Foreign Currency Risk
   Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from HKD or foreign currency to another currency , and/or in the event that the customer converts a foreign currency time deposit to another currency (including HKD) upon maturity.