Subscribing for the relevant investment products

Investment involves risks including the possibility of loss of the capital invested. Prices of investment products may go up as well as down and may even become valueless. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail of the offering documents and the Risk Disclosure Statement of the relevant investment products.

At the start of the year, it's time to plan ahead for your investments to make 2026 a rewarding year! During the promotion period, Prestige Private, Prestige Banking customers who successfully subscribe for the Relevant Investment Products with a specified accumulated investment amount, can exclusively receive the privileges below:

Chinese New Year Festive Privileges

Year-round Investment Privileges

From 1 January 2026 to 27 February 2026, Prestige Private, Prestige Banking and WMC Southbound customers who subscribe for the Relevant Investment Products with designated accumulated investment amount can enjoy the CNY festive premiums privileges below:

Relevant Investment Products	Accumulated investment amount (HKD or equivalent)	Privileges
Investment Funds, Structured Products^# and/or secondary market bonds	HKD3,000,000 or above	One God of Wealth & Gallant Horse 999.9 Pure Gold Medal Ruyi Knot (1.8gram)¹
MaxiInterest Investment Deposit, Certificate of Deposit Product and/or Capital Protected Investment Deposit	HKD3,000,000 or above	One God of Wealth Ornament with Galloping Horses²

Structured Products includes Structured Notes and Equity-linked Investments (ELI).

The God of Wealth & Gallant Horse 999.9 Pure Gold Medal Ruyi Knot (1.8gram) is 30mm in diameter, it was valued at approximately HKD2,000 (the value excluded the manufacturing cost), according to the supplier’s gold price on 28 October 2025.The actual gold weight is subject to the actual product. The photo is for reference only.

The height of God of Wealth Ornament with Galloping Horses with base and frame is 15 cm approximately

Terms and Conditions apply to the Chinese New Year Festive Privileges.

From 1 January 2026 to 31 December 2026, eligible customers^* who subscribe for the Relevant Investment Products with designated accumulated investment amount can enjoy the reward below:

Relevant Investment Products	Accumulated investment amount (HKD or equivalent)	Reward
Investment Funds, Structured Products^# and/or secondary market bonds	HKD20,000,000 or above	God of Wealth & Gallant Horse 999.9 Pure Gold Medal (6.1gram)³

Applicable to existing Prestige Private or Prestige Banking personal customers who have any subscription of Relevant Investment Products via any channels during 1 January 2026 to 27 February 2026.

Structured Products includes Structured Notes and Equity-linked Investments (ELI).

The God of Wealth & Gallant Horse 999.9 Pure Gold Medal (6.1gram) is 35mm in diameter, it was valued at approximately HK7,000 (the value excluded the manufacturing cost), according to the supplier’s gold price on 28 October 2025.The actual gold weight is subject to the actual product. The photo is for reference only.

Terms and Conditions apply to the Year-round Investment Privileges.

More Investment Offers

Foreign Currency Exchange and New Fund Time Deposit Offer

Unlimited cash reward for Investment Fund Transfer-in

Investment Financing Service

Foreign Currency Exchange and New Fund Time Deposit Offer

Offer 1

Foreign Currency Exchange and Subscription of relevant investment products ﹕Up to 1,800 Cash Reward

From 1 January 2026 to 31 March 2026, eligible customers can enjoy cash rewards of up to HKD1,000 for exchange of designated foreign currencies equivalent to HKD500,000 or more in a single transaction. Additionally, by investing in relevant investment products up to designated amount, you can get extra cash rewards up to HKD800.

Relevant investment products	Accumulated investment amount (HKD or equivalent)	Cash Reward
Investment Funds, Structured Products^#, Secondary Market Bonds, Maxilnterest Investment Deposit, Certificate of Deposit Product and/or Capital Protected Investment Deposit	HKD500,000 or above	HKD400 (Maximum HKD800)

Structured Products includes Structured Notes and Equity-linked Investments (ELI).

Click here for offer details, terms and conditions.

Offer 2

HKD and USD New Fund Time Deposit Interest Rate Offer

From 2 January 2026 to 31 March 2026, Prestige Private/Prestige Banking customers who subscribe for the Investment Funds, Secondary Market Bonds and/or Structured Products^# distributed/issued by Hang Sang Bank Limited (the “Bank”) can enjoy up to 5% p.a.ⁱ 1-month HKD and USD new fund time deposit placed during the period from the date of successful completion of Eligible Investment Transaction(s) to the end of the next calendar month (“TMD Placement Period”)ⁱⁱ via Online Banking, Phone Banking or branches (“Eligible Time Deposit”).

Just 3 simple steps with no registration required

Successful completion of Eligible Investment Transaction(s):

Subscribe for Investment Funds, Secondary Market Bonds and/or Structured Products^# distributed/issued by the Bank

Deposit new fundsⁱⁱ

Enjoy HKD and USD New Fund Time Deposit Interest Rate Offer

1-month HKD and USD Time Deposit Interest Rate for Eligible New Fund Balanceⁱⁱ placed during the TMD Placement Periodⁱⁱ:

New Investment Customersⁱⁱⁱ: 5% p.a. Total Interest Rateⁱ
Existing Investment Customers^iv: 4% p.a. Total Interest Rateⁱ

View examples

Terms and Conditions apply the HKD and USD New Fund Time Deposit Interest Rate Offer
Remark: The Total Interest Rate is quoted with reference to the Bank’s prevailing 1-month HKD and USD time deposit interest rate offered by the Bank on 2 January 2026 and is for reference only. The Total Interest Rate is subject to the Bank’s revision based on the prevailing market conditions.

Structured Products includes Structured Notes and Equity-linked Investments (ELI), but excludes Capital Protected Investment Deposit (CPI) and MaxiInterest Investment Deposit (MXI).

The total interest rate of up to 5% p.a. represents the sum of “Prevailing Interest Rate” and “Bonus Interest Rate”.

“Prevailing Interest Rate” refers to the Bank’s prevailing 1-month time deposit interest rate. For the latest interest rate, please enquire with the Bank’s staff at the time of transaction.
“Bonus Interest Rate” means the additional interest rate over and above the Prevailing Interest Rate, which together with the Prevailing Interest Rate amount to the Total Interest Rate applicable to the Eligible New Fund Balance. If the total time deposit amount of the Eligible Time Deposit exceeds the Total Eligible Investment Transaction Amount, the amount in the excess of the Total Eligible Investment Transaction Amount is eligible for the Prevailing Interest Rate only. The bonus interest amount derived from the Bonus Interest Rate (“Cash Reward”) is calculated as simple interest on a 360-day basis.

New fund refers to “Eligible New Fund Balance" which means, in respect of each currency (HKD / USD), the fund representing the incremental balance (if any) of that currency when comparing the latest Deposit Balance of that currency at the time of placing the Eligible Time Deposit with the Deposit Balance of that currency as of 15 calendar days ago, after deduction of the sum of any Deposit Balance of that currency which has already enjoyed any new fund offer for time deposit within the last 15 calendar days (including the Time Deposit Placement Date), provided that the Eligible New Fund Balance is subject to a minimum of HK$10,000 (applicable to HKD time deposit) or USD2,000 (applicable to USD time deposit) and a cap of the “Total Eligible Investment Transaction Amount” of the respective Eligible Investment Transaction Month and that the Eligible New Fund Balance can enjoy this Offer only if the closing Total Deposit Balance on the last calendar day of the TMD Placement Period (“Deposits Comparison Date”) is equal to or greater than the closing Total Deposit Balance on 31 December 2025 .

Eligible Investment Transaction Month	TMD Placement Period	Cap on Eligible New Fund Balance	Deposits Comparison Date
January 2026	From (and including) the date of successful execution of Eligible Investment Transaction to end of February 2026	Total Eligible Investment Transaction Amount of January 2026	28 February 2026
February 2026	From (and including) the date of successful execution of Eligible Investment Transaction to end of March 2026	Total Eligible Investment Transaction Amount of February 2026	31 March 2026
March 2026	From (and including) the date of successful execution of Eligible Investment Transaction to end of April 2026	Total Eligible Investment Transaction Amount of March 2026	30 April 2026

iii

"New Investment Customer" refers to Eligible Customers who did not hold any investment funds in any Investment Fund Account under the account number suffix of 382 and did not hold or subscribe any Structured Products and secondary market bonds in any account between 1 December 2025 and 31 December 2025.

“Existing Investment Customer" refers to Eligible Customers who held or subscribed for any investment funds in any Investment Fund Account under the account number suffix of 382 and/or held any Structured Products and/or secondary market bonds in any account between 1 December 2025 and 31 December 2025.

Unlimited cash reward for Investment Fund Transfer-in

From 1 January 2026 to 31 December 2026, Prestige Private and Prestige Banking customers who successfully transfer-in eligible investment fund units to the Bank with designated accumulated amount can enjoy an unlimited cash reward !

Accumulated amount of the eligible transferred-in investment fund units (HKD or equivalent)	Cash Reward
Every HKD200,000	HKD800 (no upper limit for cash reward)

Terms and Conditions apply to the offer of Transfer-in Eligible Investment Fund Units

Investment Financing Service

Hang Seng Investment Financing Service
Exclusively for Prestige Private and Prestige Banking Customers

Over 100 Eligible Investment Funds⁴,
with a loan ratio⁵ of up to 80%

Investment Financing Account application channels:

Hang Seng Mobile App
Branches

Contact your Relationship Manager or visit a Hang Seng Bank branch to boost your liquidity to enhance your potential returns.

Please visit Hang Seng Bank website > Personal > Investments > Investment Fund > Investment Financing

Loan Ratio means, in respect of each Eligible Securities subscribed or to be subscribed by the customer, the portion of the subscription price of the relevant Eligible Securities which may be financed by the Facility as prescribed by the Bank at its discretion from time to time.

Learn more about Investment Financing Service

Learn More

Prestige Private & Prestige customers can contact our 24-hour Wealth Service Team via "Click-to-call" or "Live Chat" on Hang Seng Mobile App, or call hotline for enquires.

Prestige Private: 2998 8022

Prestige: 2998 9188

Visit our branches

Find your nearest branch

Risk Disclosure of Investment Funds

Investors should note that all investments involve risk (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.

Risk Disclosure of Equity Linked Investments ("ELIs")

Equity Linked Investments ("ELIs") involve derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in ELIs 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.
ELIs are considered as a complex product and you should exercise caution in relation to ELIs. The market value of the ELIs may fluctuate and you may sustain a total loss of their investment. You should therefore ensure that you read and understand the nature of the ELIs and the relevant offering documents of the ELIs (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
Liquidity risk - ELIs are designed to be held to its maturity. You may not be able to sell your investment in the ELIs before maturity. If you try to sell the ELIs before maturity, the amount you receive may be substantially less than the investment amount.
Credit risk of the ELI issuer - ELIs constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy ELIs, you will be relying on the creditworthiness of the ELI issuer and of no other person. You have no rights under the terms and conditions of ELIs against any issuer of any linked stock. If the relevant ELI issuer becomes insolvent or default on its obligations under the ELIs, in the worst case scenario, you could lose substantial part or all of the capital invested. ELIs may be terminated early by the Issuer.
Some ELIs are partially capital protected at maturity provided that you hold the ELIs until maturity and the ELIs are not otherwise early terminated.
Investing in ELIs is not the same as investing in the linked reference asset(s) directly.
Not covered by the Investor Compensation Fund - ELIs are not traded on any markets operated by Hong Kong Exchanges and Clearing Limited or any other stock exchanges. There may not be an active or liquid secondary market.
The above is not an exhaustive list of risk factors. For details, please refer to the offering documents.

Risk Disclosure of Structured Notes

Structured notes involve derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and 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 and you fully understand and are willing to assume the risks associated with it.
Structured notes are considered as a complex product and you should exercise caution in relation to Structured note. The market value of the structured notes may fluctuate and investors may sustain a total loss of their investment. You should therefore ensure that you read and understand the nature of structured notes and the relevant offering documents of the structured notes (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
Credit risk of the Issuer - structured notes constitute general unsecured and unsubordinated contractual obligations of the Issuer. When you buy structured notes, you will be relying on the creditworthiness of the Issuer and of no other person. You have no rights under the terms and conditions of the structured notes against any issuer of any linked underlying(s). If the Issuer becomes insolvent or default on its obligations under the product, in the worst case scenario, you could lose substantial part or all of the capital invested. The structured notes may be terminated early by the issuer.
Some structured notes are 100% capital protected at maturity provided that it is not otherwise early terminated by the Issuer
Investing in structured notes are not the same as investing in the linked reference asset(s) directly.
The structured notes are not normal time deposits, and they are not protected by the Deposit Protection Scheme in Hong Kong.
Not covered by the Investor Compensation Fund – structured notes are not traded on any markets operated by Hong Kong Exchanges and Clearing Limited or any other stock exchanges. There may not be an active or liquid secondary market.
The above is not an exhaustive list of risk factors. For details, please refer to the offering documents.

Risk Disclosure of MaxiInterest Investment Deposit

“MaxiInterest” Investment Deposit (“MXI”) is a structured product involving derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in MXI unless the intermediary who sells it to you has explained to you that MXI is suitable for you having regard to your financial situation, investment experience and investment objectives and you fully understand and are willing to assume the risks associated with it. You should therefore ensure that you read and understand the nature of the MXI and the relevant offering documents of the MXI (including the full text of the risk factors therein), where necessary, seek independent professional advice, before making any investment decisions.
MXI is embedded with FX options. Option transactions involve risks, especially when selling an option. Although the premium received from selling an option is fixed, you may sustain a loss well in excess of such premium amount, and the loss could be substantial.
You should note that MXI is not normal time deposit and thus should not be considered as normal time deposit or its alternative. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Earnings on MXI are limited to the nominal interest payable and it is only payable upon maturity. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If MXI is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of MXI.
You will be relying on the Bank’s (as the issuer) creditworthiness. MXI is not secured by any collateral. If the Bank becomes insolvent or default on its obligations under MXI, in the worst case scenario, you could suffer a total loss of your investment amount.
MXI is not listed on any stock exchange and is not covered by the Investor Compensation Fund.
Investing in MXI is not the same as buying the linked currency directly.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MXI involving RMB are subject to the currency risk of RMB.
Certain Terms and Conditions (including some of the key dates) of MXI can be adjusted by the Bank in certain circumstances. The MXI may be terminated early by the Bank. This might have a negative impact on the product’s return.

Risk Disclosure of Currency-Linked Capital Protected Investment Deposit

Currency-Linked Capital Protected Investment Deposit (“CPI”) is a structured product involving derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in the CPI 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 and you fully understand and are willing to assume the risks associated with it. You should therefore ensure that you read and understand the nature of the CPI and the relevant offering documents of the CPI (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
CPI is embedded with FX options. Option transactions involve risks, even when buying an option. The option’s value might become worthless if the market moves against your expectation.
You should note that CPI is not a normal time deposit and thus should not be considered as normal time deposit or its alternative. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
You should understand that the Principal of the is protected only when it is held to maturity and you will be relying on the Bank’s (as the issuer) creditworthiness CPI is not secured by any collateral. If the Bank becomes insolvent or default on its obligations under the CPI, in the worst case scenario, you could suffer a total loss of your investment amount.
CPI is not listed on any stock exchange and is not covered by the Investor Compensation Fund.
Investing in CPI is not the same as buying the Underlying Currency Pair directly.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the CPI involving RMB are subject to the currency risk of RMB.
Certain Terms and Conditions (including some of the key dates) of CPI can be adjusted by the Bank. The CPI may be terminated early by the Bank. This might have a negative impact on the product’s Return / Coupon (if any).

Foreign Exchange Risk

Foreign exchange involves exchange rate risks. 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.

Important Risk Warning of Bond or Certificate of Deposit Product

Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/ CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
Bonds are not deposits and should not be treated as substitute for conventional time deposits.
Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.
Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk).
The above is not an exhaustive list of risk factors. Please refer to the section on "Risk Factors" in the relevant "Bond /Certificate of Deposit Trading Services" Factsheet to understand other risk factors applicable to bonds and CDs.
The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment.
No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions ("Market Information") provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar.
Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard.

Risk Disclosure Statement of Investment Financing Service

PLEASE READ THIS RISK DISCLOSURE STATEMENT CAREFULLY AND CONSULT YOUR OWN LEGAL ADVISER AND/OR OTHER PROFESSIONAL CONSULTANTS AS YOU CONSIDER APPROPRIATE BEFORE YOU DECIDE TO APPLY FOR INVESTMENT FINANCING SERVICE.

Below are the key risks associated with Investment Financing Service (the “Facility”) which are not exhaustive. The Facility is provided by Hang Seng Bank Limited (the “Bank”).

Risk of Trading in Investment Funds and other Investment ProductsYou should note that all investments involve risks (including the possibility of loss of the capital invested). Prices of units of investment funds or other investment products may go up as well as down and information on past performance is not indicative of future performance. It is as likely that losses will be incurred rather than profit made as a result of buying and selling investment products. You should read and understand the relevant product's offering documents (including the full text of the risk factors stated therein) in detail before making any investment decision.
Risk of Using LeverageThe prices of investment funds and other investment products fluctuate, sometimes dramatically. Financing transactions in investment products by collateral using leverage involves significant risk, and losses may exceed the value of your collateral and may affect your ability to repay the Facility. The higher your leverage is, the bigger your losses can be in adverse market conditions. Contingent orders such as “stop-loss” or “stop-limit” orders may not necessarily limit losses as market conditions may make it impossible to execute contingent orders. You may be required at short notice to make additional margin deposits or interest payments. If the required margin deposits or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Force Liquidation may result in losses and you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a inancing arrangement is suitable for you in light of your own financial position and investment objectives.
Risk associated with Margin RequirementsThe Facility is a financing arrangement with margin requirements. The Available Limit of the Facility is determined by the aggregate of the market value of the investment products charged by you in favour of the Bank as collateral from time to time (“Charged Securities”) multiplied by the applicable Loan Ratio and capped at the Ceiling Limit. The Loan Ratio and the Ceiling Limit are set and may be varied by the Bank from time to time. If unauthorised overdraft occurs (i.e. when the loan amount exceeds the Available Limit) for any reasons, including but not limited to decrease in value of the Charged Securities, change of the Loan Ratio or termination of the Facility, interest on the unauthorised overdraft amount will be charged at the unauthorised overdraft interest rate(s) and you undertake to forthwith repay the unauthorised overdraft amount in cash or dispose of your investments and apply the proceeds towards repayment of the unauthorised overdraft amount.If you do not act promptly upon receiving a Margin Call notice and do not take the required actions within a prescribed period, the Bank may exercise various rights, including the right to liquidate part or all of the Charged Securities, and the right to set-off any cash held in your account at the Bank towards any amount owing by you to the Bank under the Facility, in each case at any time and in any way the Bank considers appropriate without demand or notice to you (even if the market value of the Charged Securities drops drastically due to adverse market conditions). You will bear all losses and remain liable for any resulting deficit in your account and interest charged on your account. Commissions, fees and other charges applicable to the Facility may also increase your loss. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own financial position and investment objectives.
Interest Rate riskThe interest rate applicable to the Facility is based on Hong Kong Dollar Prime Lending Rate as quoted by the Bank from time to time (“HKD Prime”) plus or minus a pre-determined rate set by the Bank. The interest rate may be subject to change over time. When HKD Prime rate increases, the interest payment under the Facility will increase.
Currency RiskIf any of the Charged Securities is denominated in a currency different from the Facility (which is denominated in Hong Kong dollar), a conversion of one currency into another currency is required and such conversion shall be calculated at the rate determined by the Bank to be prevailing in the relevant foreign exchange market at the relevant time. The value of the Charged Securities and the Available Limit of the Facility may change due to fluctuations in foreign exchange rate.
Liquidity RiskIf the Bank exercises its right to liquidate the Charged Securities under adverse market conditions, it may be difficult to sell the Charged Securities and the selling price may also be affected when there is no or little liquidity for the Charged Securities in the market. You will be liable for the shortfall if the amount of sales proceeds of the Charged Securities is not sufficient to pay off the amount owing by you to the Bank under the Facility.
Risk of Providing an Authority to Hold Mail or to Direct Mail to Third PartiesIf you provide the Bank with an authority to hold mail or to direct mail to third parties, it is important for you to promptly collect in person all contract notes and statements of your accounts and review them in detail to ensure that any anomalies or mistakes can be detected in a timely fashion.
Risk of Client Assets Received or Held Outside Hong Kong Special Administrative RegionClient assets received or held by the Bank outside the Hong Kong Special Administrative Region are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571, Laws of Hong Kong) and the rules made under it. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in the Hong Kong Special Administrative Region.

Please refer to Investment Financing Service Factsheet for relevant terminology.