• “Time Deposit - My Choice”: You can choose from deposit tenures of 6 months, 9 months or 12 months. Interest is provided on a monthly basis, which is different from ordinary time deposits.
• Multi-Currency Savings Account: One account with a choice of Hong Kong Dollars, Renminbi and different foreign currencies deposits, and enjoys foreign exchange offer.

Invest Your Way

• Securities: 24-hours online and mobile securities placing order service. You can also enjoy the flexibility through instant fund availability on new buy orders after selling stocks.

• Investment Funds: You can choose the suitable ones from diversified choice of funds with different risk levels, and start with a lump sum investment or monthly investment from as low as HKD1,000.

• “Deposit EXTRA” Investment Deposit: Flexible choice of currency combinations and deposit periods. You can choose the pre-agreed conversion rate that fits your needs as well. 

All-round Protection

• Life Insurance: Comprehensive life insurance services help you live the life of your dreams.
• General Insurance: Online application services for travel, home and medical insurance etc., to give you all-round protection.

Please visit any of our outlets or call our customer services hotline for more information.

Investment Risk Disclosure Statement:
The above information is for reference only and is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risks. Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. Past performance is not an indication of future performance. Investors should read carefully the offering documents and the relevant Risk Disclosure Statement before making any investment decision. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances and should seek independent professional advice if necessary. 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. The products are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.

Securities Trading Risk Disclosure Statement:
The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. 

Investment Funds Risk Disclosure Statement: 

Some of the Investment Funds are structured product involving derivatives. The investment decision is yours but you should not invest in the "Investment Fund" 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.

“Deposit EXTRA” Investment Deposit Risk Disclosure Statement:
“Deposit EXTRA” Investment Deposit is a structured investment product involving derivatives. The investment decision is yours but you should not invest in this 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. This product is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.

Foreign Currency and RMB Risk Disclosure Statement
Foreign currency investments are subject to exchange rate fluctuations which may involve risks. The fluctuation in the exchange rate of foreign currency may make a gain or loss in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies. Foreign currency rates of exchange may adversely affect the value, price or income of any security or related investment. RMB is subject to exchange rate risk and is currently not freely convertible. Conversion of RMB or provision of RMB services through banks in Hong Kong is subject to relevant RMB policies, other restriction and regulatory requirements in Hong Kong. No prior notice will be given for any changes which may be made from time to time.

Insurance Risk Disclosure Statement:
The Bank acts as the appointed insurance agency to distribute the insurance products. The insurance product is a product of the corresponding underwriting insurance company, but not the Bank. All benefits payable under the policy of the insurance product are subject to the credit risk of the insurance company and are not protected by the Deposit Protection Scheme in Hong Kong. The promotion, selling and / or application procedures of any insurance products distributed by the Bank must be conducted in Hong Kong. The above information related to insurance services should not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products outside Hong Kong. It also should not be construed as a recommendation or an offer for any insurance products. For the details of insurance coverage, key risks and exclusions of the insurance products, you should refer to the relevant product leaflet and policy provision issued by the insurance company. You should not purchase any insurance products solely on the basis of the above information. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer.