#包含「理财金账户」开户赏高达HK$3,000信用卡免找数签账额、「理财产品优惠」高达HK$12,900基金认购费/交易费回赠及「信用卡迎新优惠」高达HK$300信用卡免找数签账额。
全新理财金客户尊享
高达HK$3,000信用卡免找数签账额
推广期：2021年7月1日至9月30日（包括首尾两天）
| 新客户开立「理财金账户」1并于开户后首3个月内每日平均理财总值2达 | 信用卡免找数签账额 |
| HK$1,500,000或以上 | HK$3,000 |
注：合资格客户须同时开立借记卡及综合投资账户/ 股票账户。
全新信用卡客户尊享
高达HK$300信用卡免找数签账额4
推广期：2021年7月5日至12月31日（包括首尾两天）
| 迎新优惠3 | 成功申请指定信用卡 | 认可消费要求4,5 |
| HK$300 （信用卡免找数签账额） | ICBC「理财金账户」 万事达卡白金卡 | 须于发卡后2个月内使用ICBC「理财金账户」 万事达卡白金卡签账或现金透支一次 |
凭ICBC「理财金账户」万事达卡白金卡于本地及海外签账消费，尊享1.5%现金回赠（相等于3倍积分），不设上限*。
* 优惠须受有关条款及细则约束。详情请参阅相关适用的条款及细则。有关优惠的详情，请浏览本行网站www.icbcasia.com/icbc/eccard、参阅有关宣传单张或向本行职员查询。
推广期：2021年7月1日至9月30日(包括首尾两天)
指定客户7经电子渠道完成以下合资格投资产品交易8，累积达指定金额，可获：
| 基金 | 货币挂钩合约 | 结构性存款 |
| 每累积达HK$200,000的认购金额(或其等值)，可享HK$400 认购费回赠9， 最高享高达HK$10,000 认购费回赠6,9 | 累积达HK$1,000,000 享高达HK$1,200 交易费回赠6,9 | 累积达HK$1,000,000 享高达HK$500 交易费回赠6,9 |
| 额外累积交易赏 | |
| 完成上述任何2类合资格投资产品交易8及该交易金额累积达HK$700,000或以上(或其等值 | 额外 HK$700交易费回赠9 |
| 完成上述任何3类合资格投资产品交易8及该交易金额累积达HK$1,200,000或以上 (或其等值) | 额外 额外HK$1,200交易费回赠6,9 |
提示:借定唔借？还得到先好借！投资涉及风险，优惠受条款及细则约束。
注：
# 全新理财金客户可享高达HK$16,200回赠，包含「理财金账户」开户赏高达
HK$3,000信用卡免找数签账额、「理财产品优惠」高达HK$12,900基金认购
费/交易费回赠及「信用卡迎新优惠」高达HK$300信用卡免找数签账额。
1 合资格客户须同时开立借记卡及综合投资账户/ 股票账户。
2 每日平均理财总值包括客户在本行名下的所有存款结余及投资的市值。如
账户为单名持有，客户其他联名账户的存款结余及投资市值亦计算在内。
联名账户的理财总值只计算于主账户持有人的理财总值内。
3 信用卡迎新优惠只适用2021年7月5日至2021年12月31日(包括首尾两天)，
成功申请及获批核由本行所发行的 ICBC「理财金账户」万事达卡白金卡
(「指定信用卡」)的全新主卡申请人。如申请人现在为本行信用卡客户或于
过往 6 个月内取消任何本行信用卡(包括联营卡)，即不可获享迎新优惠。
4 全新ICBC「理财金账户」万事达卡白金卡主卡申请人须于发卡后 2 个月内
使用ICBC「理财金账户」万事达卡白金卡符合认可消费要求(「认可消费要
求」)，即签账或现金透支一次，方可获享迎新优惠HK$300信用卡免找数
签账额。
5 认可消费要求以交易日计算，包括零售签账及现金透支。不适用于未志账/
取消/欺诈/退款/未经授权之交易。
6 「理财产品优惠」高达HK$12,900回赠，包含「基金认购费回赠」高达
HK$10,000、「货币挂钩合约」高达HK$1,200交易费回赠、「结构性存款」
高达HK$500交易费回赠及「额外累积交易赏」高达HK$1,200交易费回赠。
7 指定客户定义为于2020年7月1日至2021年6月30日期间没有进行任何一项
(1)基金认购交易(不包括基金转换和月供基金计划之认购交易)；及(2)货币
挂钩合约交易；及(3)结构性存款交易之客户(包括现有客户或于推广期内新
开立「投资账户」的客户)。投资账户指:「综合投资账户–基金投资、债券
及其他结构性产品」及/或「挂钩产品及结构性存款账户」。
8 合资格投资产品交易定义：基金(1)基金认购交易必须为本行可分销并获证
券及期货事务监察委员会认可的基金(不包括货币市场基金);(2)基金认购认
购费为1%或以上的交易;(3)不包括任何基金转换交易及月供基金计划交易;
货币挂钩合约(产品年期需为2星期或以上);结构性存款(产品年期需为4个月
或以上)。
9 每名合资格客户于推广期内进行基金交易时先缴付该笔交易实际所需的认
购费，本行会于推广期完结后把认购费以现金方式回赠予客户。认购费回
赠和交易费回赠将于2021年12月31日或之前存入至客户储蓄账户内。
风险披露:
投资涉及风险，投资价格有时可能会非常波动，投资价格可升亦可跌，甚至可能变成毫无价值。投资未必一定能够赚取利润，反而可能会招致亏损。任何投资产品的过去表现并不一定可作为将来表现的指引。
基金：投资于非本土货币结算的基金或会受到汇率波动的影响，可能会导致本金出现亏损。
债券：债券主要提供中长期的投资，阁下应准备于整段投资期内将资金投资于债券上；若阁下选择在到期日之前提早出售债券，可能会损失部份或全部的投资本金额。您亦须承担发行人的信贷风险。债券的价格可能会非常波动，其影响因素包括但不限于利率、债券息差及流通性溢价的波动。故此买卖债券带有风险，投资者未必能够赚取利润，可能会招致损失。中国工商银行（亚洲）有限公司(「工银亚洲」)并不保证二手市场之存在。
货币挂钩合约：「货币挂钩合约」并非受保障存款，不受香港的存款保障计划保障。投资于「货币挂钩合约」的回报限于既定的利息总额，并视乎结算日的市场走势而定，及须承担因挂钩货币兑换价格波动的风险，可能导致投资全部或部份本金的亏蚀。
股票挂钩合约：「股票挂钩合约」并非受保障存款，不受香港的存款保障计划保障。投资股票挂钩产品，涉及重大风险，包括市场风险、流通性风险，以及发行商不能履行其股票挂钩产品下义务之风险。投资者在决定投资股票挂钩产品时，应阅读有关的说明书/资料备忘录及/或发行文件，以确保本身了解上述所有风险之性质。
结构性存款：「结构性存款」并非受保障存款，不受香港的存款保障计划保障。投资于「结构性存款」的回报限于既定的利息总额，并视乎结算日的市场挂钩资产的走势而定，而投资于非本土货币结算的「结构性存款」将受到汇率波动的影响，可能导致本金出现亏蚀。结构性存款证乃由本行发行，若本行倒闭或发生违约事件，阁下可能损失部份或全部存款金额。
结构性产品：「结构性产品」并非受保障存款，不受香港的存款保障计划保障。投资于「结构性产品」的回报可限于既定的利息总额，并视乎结算日的市场挂钩资产的走势而定，相关投资或可按指定价格转换成挂钩资产，可能会导致本金出现亏蚀。投资于非本土货币结算的「结构性产品」将受到汇率波动的影响，可能导致本金出现亏蚀。若发行人倒闭或发生违约事件，阁下可能损失部份或全部存款金额。
存款证：「存款证」并非受保障存款，不受香港的存款保障计划保障。存款证乃由本行发行，若本行倒闭或发生违约事件，阁下可能损失部份或全部存款金额。
重要声明:
以上风险披露声明不能披露所有涉及的风险，如欲索取完整之风险披露声明，可向本行各分行查询。投资前应先阅读有关产品发售文件、财务报表及相关的风险声明，并应就本身的财务状况及需要、投资目标及经验，详细考虑并决定该投资是否切合本身特定的投资需要及承受风险的能力。您应于进行任何交易或投资前寻求独立的财务及专业意见，方可作出有关投资决定。此宣传文件所载资料并非亦不应被视为投资建议，亦不构成招揽任何人投资于本文所述之任何产品。此宣传文件由中国工商银行（亚洲）有限公司(「本行」)刊发，内容未经证券及期货事务监察委员会审阅。
本行分销基金公司的基金产品，而有关基金产品是基金公司而非本行的产品；对于本行与客户之间因销售过程或处理有关交易而产生的合资格争议（定义见金融纠纷调解计划的金融纠纷调解的中心职权范围），本行须与客户进行金融纠纷调解计划程序；然而，对于有关基金产品的合约条款的任何争议应由基金公司与客户直接解决。
提示:借定唔借？还得到先好借！
「工银亚洲」或「本行」乃中国工商银行（亚洲）有限公司之简称。
#包含「理財金賬戶」開戶賞高達HK$3,000信用卡免找數簽賬額、「理財產品優惠」高達HK$12,900基金認購費/交易費回贈及「信用卡迎新優惠」高達HK$300信用卡免找數簽賬額。
全新理財金客戶尊享
高達HK$3,000信用卡免找數簽賬額
推廣期：2021年7月1日至9月30日（包括首尾兩天）
| 新客戶開立「理財金賬戶」1並於開戶後首3個月內每日平均理財總值2達 | 信用卡免找數簽賬額 |
| HK$1,500,000或以上 | HK$3,000 |
註：合資格客戶須同時開立借記卡及綜合投資賬戶/ 股票賬戶。
全新信用卡客戶尊享
高達HK$300信用卡免找數簽賬額4
推廣期：2021年7月5日至12月31日（包括首尾兩天）
| 迎新優惠3 | 成功申請指定信用卡 | 認可消費要求4,5 |
| HK$300 （信用卡免找數簽賬額） | ICBC「理財金賬戶」 萬事達卡白金卡 | 須於發卡後2個月內使用ICBC「理財金賬戶」 萬事達卡白金卡簽賬或現金透支一次 |
憑ICBC「理財金賬戶」萬事達卡白金卡於本地及海外簽賬消費，尊享1.5%現金回贈（相等於3倍積分），不設上限*。
* 優惠須受有關條款及細則約束。詳情請參閱相關適用的條款及細則。有關優惠的詳情，請瀏覽本行網站www.icbcasia.com/icbc/eccard、參閱有關宣傳單張或向本行職員查詢。
推廣期：2021年7月1日至9月30日(包括首尾兩天)
指定客戶7經電子渠道完成以下合資格投資產品交易8，累積達指定金額，可獲：
| 基金 | 貨幣掛鈎合約 | 結構性存款 |
| 每累積達HK$200,000的認購金額(或其等值)，可享HK$400 認購費回贈9， 最高享高達HK$10,000 認購費回贈6,9 | 累積達HK$1,000,000 享高達HK$1,200 交易費回贈6,9 | 累積達HK$1,000,000 享高達HK$500 交易費回贈6,9 |
| 額外累積交易賞 | |
| 完成上述任何2類合資格投資產品交易8及該交易金額累積達HK$700,000或以上(或其等值 | 額外 HK$700交易費回贈9 |
| 完成上述任何3類合資格投資產品交易8及該交易金額累積達HK$1,200,000或以上 (或其等值) | 額外HK$1,200交易費回贈6,9 |
提示:借定唔借？還得到先好借！投資涉及風險，優惠受條款及細則約束。
註：
# 全新理財金客戶可享高達HK$16,200回贈，包含「理財金賬戶」開戶賞高達
HK$3,000信用卡免找數簽賬額、「理財產品優惠」高達HK$12,900基金認購
費/交易費回贈及「信用卡迎新優惠」高達HK$300信用卡免找數簽賬額。
1 合資格客戶須同時開立借記卡及綜合投資賬戶/ 股票賬戶。
2 每日平均理財總值包括客戶在本行名下的所有存款結餘及投資的市值。如
賬戶為單名持有，客戶其他聯名賬戶的存款結餘及投資市值亦計算在內。
聯名賬戶的理財總值只計算於主賬戶持有人的理財總值內。
3 信用卡迎新優惠只適用2021年7月5日至2021年12月31日(包括首尾兩天)，
成功申請及獲批核由本行所發行的 ICBC「理財金賬戶」萬事達卡白金卡
(「指定信用卡」)的全新主卡申請人。如申請人現在為本行信用卡客戶或於
過往 6 個月內取消任何本行信用卡(包括聯營卡)，即不可獲享迎新優惠。
4 全新ICBC「理財金賬戶」萬事達卡白金卡主卡申請人須於發卡後 2 個月內
使用ICBC「理財金賬戶」萬事達卡白金卡符合認可消費要求(「認可消費要
求」)，即簽賬或現金透支一次，方可獲享迎新優惠HK$300信用卡免找數
簽賬額。
5 認可消費要求以交易日計算，包括零售簽賬及現金透支。不適用於未誌賬/
取消/欺詐/退款/未經授權之交易。
6 「理財產品優惠」高達HK$12,900回贈，包含「基金認購費回贈」高達
HK$10,000、「貨幣掛鈎合約」高達HK$1,200交易費回贈、「結構性存款」
高達HK$500交易費回贈及「額外累積交易賞」高達HK$1,200交易費回贈。
7 指定客戶定義為於2020年7月1日至2021年6月30日期間沒有進行任何一項
(1)基金認購交易(不包括基金轉換和月供基金計劃之認購交易)；及(2)貨幣
掛鈎合約交易；及(3)結構性存款交易之客戶(包括現有客戶或於推廣期內新
開立「投資賬戶」的客戶)。投資賬戶指:「綜合投資賬戶–基金投資、債券
及其他結構性產品」及/或「掛鈎產品及結構性存款賬戶」。
8 合資格投資產品交易定義：基金(1)基金認購交易必須為本行可分銷並獲證
券及期貨事務監察委員會認可的基金(不包括貨幣市場基金);(2)基金認購認
購費為1%或以上的交易;(3)不包括任何基金轉換交易及月供基金計劃交易;
貨幣掛鈎合約(產品年期需為2星期或以上);結構性存款(產品年期需為4個月
或以上)。
9 每名合資格客戶於推廣期內進行基金交易時先繳付該筆交易實際所需的認
購費，本行會於推廣期完結後把認購費以現金方式回贈予客戶。認購費回
贈和交易費回贈將於2021年12月31日或之前存入至客戶儲蓄賬戶內。
風險披露:
投資涉及風險，投資價格有時可能會非常波動，投資價格可升亦可跌，甚至可能變成毫無價值。投資未必一定能夠賺取利潤，反而可能會招致虧損。任何投資產品的過去表現並不一定可作為將來表現的指引。
基金：投資於非本土貨幣結算的基金或會受到匯率波動的影響，可能會導致本金出現虧損。
債券：債券主要提供中長期的投資，閣下應準備於整段投資期內將資金投資於債券上；若閣下選擇在到期日之前提早出售債券，可能會損失部份或全部的投資本金額。您亦須承擔發行人的信貸風險。債券的價格可能會非常波動，其影響因素包括但不限於利率、債券息差及流通性溢價的波動。故此買賣債券帶有風險，投資者未必能夠賺取利潤，可能會招致損失。中國工商銀行（亞洲）有限公司(「工銀亞洲」)並不保證二手市場之存在。
貨幣掛鈎合約：「貨幣掛鈎合約」並非受保障存款，不受香港的存款保障計劃保障。投資於「貨幣掛鈎合約」的回報限於既定的利息總額，並視乎結算日的市場走勢而定，及須承擔因掛鈎貨幣兌換價格波動的風險，可能導致投資全部或部份本金的虧蝕。
股票掛鈎合約：「股票掛鈎合約」並非受保障存款，不受香港的存款保障計劃保障。投資股票掛鈎產品，涉及重大風險，包括市場風險、流通性風險，以及發行商不能履行其股票掛鈎產品下義務之風險。投資者在決定投資股票掛鈎產品時，應閱讀有關的說明書/資料備忘錄及/或發行文件，以確保本身瞭解上述所有風險之性質。
結構性存款：「結構性存款」並非受保障存款，不受香港的存款保障計劃保障。投資於「結構性存款」的回報限於既定的利息總額，並視乎結算日的市場掛鈎資產的走勢而定，而投資於非本土貨幣結算的「結構性存款」將受到匯率波動的影響，可能導致本金出現虧蝕。結構性存款證乃由本行發行，若本行倒閉或發生違約事件，閣下可能損失部份或全部存款金額。
結構性產品：「結構性產品」並非受保障存款，不受香港的存款保障計劃保障。投資於「結構性產品」的回報可限於既定的利息總額，並視乎結算日的市場掛鈎資產的走勢而定，相關投資或可按指定價格轉換成掛鈎資產，可能會導致本金出現虧蝕。投資於非本土貨幣結算的「結構性產品」將受到匯率波動的影響，可能導致本金出現虧蝕。若發行人倒閉或發生違約事件，閣下可能損失部份或全部存款金額。
存款證：「存款證」並非受保障存款，不受香港的存款保障計劃保障。存款證乃由本行發行，若本行倒閉或發生違約事件，閣下可能損失部份或全部存款金額。
重要聲明:
以上風險披露聲明不能披露所有涉及的風險，如欲索取完整之風險披露聲明，可向本行各分行查詢。投資前應先閱讀有關產品發售文件、財務報表及相關的風險聲明，並應就本身的財務狀況及需要、投資目標及經驗，詳細考慮並決定該投資是否切合本身特定的投資需要及承受風險的能力。您應於進行任何交易或投資前尋求獨立的財務及專業意見，方可作出有關投資決定。此宣傳文件所載資料並非亦不應被視為投資建議，亦不構成招攬任何人投資於本文所述之任何產品。此宣傳文件由中國工商銀行（亞洲）有限公司(「本行」)刊發，內容未經證券及期貨事務監察委員會審閱。
本行分銷基金公司的基金產品，而有關基金產品是基金公司而非本行的產品；對於本行與客戶之間因銷售過程或處理有關交易而產生的合資格爭議（定義見金融糾紛調解計劃的金融糾紛調解的中心職權範圍），本行須與客戶進行金融糾紛調解計劃程序；然而，對於有關基金產品的合約條款的任何爭議應由基金公司與客戶直接解決。
提示:借定唔借？還得到先好借！
「工銀亞洲」或「本行」乃中國工商銀行（亞洲）有限公司之簡稱。
#Includes “Elite Club” Account Opening Reward up to HK$3,000free credit card spending limit, “Wealth Management Products Offer” up to HK$12,900 subsription fee/ transaction fee rebate and "Credit Card” Welcome Offer up to HK$300 free credit card spending limit.
New Elite Club customers can enjoy up to HK$3,000 free credit card spending limit
Promotion period: 1 July to 30 September, 2021 (Both dates inclusive)
| An average daily Total Liquid Assets for the first 3 consecutive months 1 immediately after “Elite Club”2 account opening for new customers | Free Credit Card Spending Limit |
| HK$1,500,000 or above | HK$3,000 |
Remarks: Eligible Customers need to open Debit Card and Consolidated Investment Account/ Securities Account at the same time.
New Credit Card Customer enjoy Up to HK$300 Free Credit Card Spending Limit4
Promotion period: 5 July to 31 December, 2021 (Both dates inclusive)
| Welcome Offer3 | Applying for Designated Credit Card | Applying for Designated Credit Card4,5 |
| HK$300（Free Credit Card Spending Limit） | ICBC "Elite Club" Mastercard Platinum Card | Make Retail Spending or Cash Advance with ICBC "Elite Club" Mastercard Platinum Card once within the first 2 months of new card issuance. |
Enjoy 1.5% cash rebate (equivalent to 3X bonus point) without ceiling*for local and overseas spending with ICBC "Elite Club" Mastercard Platinum Card.
^ Offer is bound by the related terms and conditions. Please refer to the related applicable terms and conditions for details. Regarding the offer details, please visit the Bank’s website www.icbcasia.com/icbc/eccard, refer to the related promotional leaflet or contact our branch staff.
Promotion period: 1 July to 30 September, 2021 (Both dates inclusive)
Designated customers7 who conduct below eligible investment product transaction(s)8via e-channels with amount accumulated to a designated level during the promotion period can enjoy:
| Investment Fund | Currency Linked Contract | Structured Deposit |
| HK$400subscription fee 9rebate for every accumulated subscription amount of HK$200,000
(or its equivalent) Up toHK$10,000 subscription fee rebate6,9 | Up to HK$10,000 subscription fee rebate6,9 | Up to HK$1,200 transaction fee rebate6,9 for accumulated transaction fee amount of HK$1,000,000 or above |
| Extra accumulated transaction award | |
| Any 2 types of the mentioned investment products8 with total accumulated transaction amount of HK$700,000 or above; | Extra HK$700 Transaction Fee Rebate9 |
| Any 3 types of the mentioned investment products8 with total accumulated transaction amount of HK$1,200,000 or above. | Extra HK$1,200 Transaction Fee Rebate6,9 |
Reminder: To borrow or not to borrow? Borrow only if you can repay!
Investment involves risk. The above offers are subject to Terms and Conditions.
Remarks:
# New Elite Club customer can enjoy up to HK$16,200 rebate, includes “Elite Club” Account Opening Reward up to HK$3,000 Free Credit Card Spending Limit, “Wealth Management Products Offer” up to HK$12,900 Fund Subscription Fee/ Transaction Fee rebate and "Credit Card” Welcome Offer up to HK$300 Free Credit Card Spending Limit.
1 Eligible Customers need to open Debit Card and Consolidated Investment Account/ Securities Account at the same time.
2 Average Daily Total Liquid Assets (TLA) includes all deposit balances and the market value of investments in the Bank. For sole-name account holders, the deposit balances and the market value of investments of their other joint-name account(s) will also be counted. TLA of joint-name account will be counted as the TLA of the primary account holder only.
3 Credit Card Welcome offer is only applicable to successful new applicants for principal card of ICBC "Elite Club" Mastercard Platinum Card (“Designated Credit Card”) issued by Industrial and Commercial Bank of China (Asia) Limited (the "Bank") with applications made under this welcome offer from 5 July 2021 till 31 December 2021 (both dates inclusive). Existing ICBC (Asia) Credit Card Cardholder who holding any of our credit card or those who have cancelled any ICBC Asia Credit Card (includes Affinity Card) in the past 6 months will not be eligible for the Welcome Offer.
4 New applicants for principal card of ICBC“Elite Club”Mastercard World Card can enjoy the Welcome Offer HK$300 Free Card Card Spending Limit upon fulfilling designated spending requirement (the “Designated Spending Requirement”), i.e. make retail spending or cash advance within the first 2 months of new cards issuance.
5 The Designated Spending Requirement is determined by its transaction date according to the retail spending and cash advance, excluding non- posted/cancelled/cheated/returned or other unauthorized transactions.
6 “Wealth Management Product Offer” up to HK$12,900 rebate, includes “Investment Fund Subscription Fee Rebate” up to HK$10,000, “Currency Linked Contract” up to HK$1,200 transaction fee rebate, “Structured Deposit” up to HK$500 transaction fee rebate and “Extra accumulated transaction award” up to HK$1,200 transaction fee rebate.
7 Selected Customers is defined as customers who did not conduct any one of the following transactions (1) Fund subscription transaction (Do not include fund switching and any subscription via Fund Monthly Saving Plan); (2) Currency Linked Contract transaction; (3) Structured Deposit transaction (Include existing customers or customers who newly open the “Investment Account” during the Promotion Period) with the bank between 1 July 2020 and 30 June 2021. Investment Account includes “Consolidated Investment Account – Investment Funds, Bonds and other Structured Product and/or “Instrument-Linked and Structured Deposit Account”
8 Eligible Transaction(s) is defined as: Investment Fund (1) Fund subscription transaction for Securities and Futures Commission authorized funds distributed by the Bank (excluding money market fund); (2) Fund subscription transaction with subscription fee 1% or above; (3) Exclude any transaction from Fund Switching and Fund Monthly Saving Plan; Currency Linked Contract (product tenor is 2 weeks or above); Structured Deposit (product tenor is 4 months or above)
9 Eligible Customers are required to fully pay the subscription fee in full at the time of transaction. The amount of subscription fee will be rebated to customers in form of cash after the end of the Promotion Period. The subscription fee rebate and transaction fee rebate will be deposited into customers’ saving account on or before 31 December 2021.
Risk Disclosures:
Investment involves risks. The prices of investment 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 investment. Past performance of any investment is no guide to its future performance.
Investment Funds:When investment denominated in non-local currencies, please be aware of the risk of exchange rate fluctuations that may cause a loss of principal. 。
Bonds:Bonds are mainly for medium to long term investment, you should be prepared to invest your funds in bonds for the full investment tenor; you could lose part or all of your investment if you choose to sell bonds prior to maturity. You should bear the credit risk of the issuer. The price of bonds may fluctuate and the factors affecting market price of bonds include, but not limited to, fluctuations in Interest Rates, Credit Spreads, and Liquidity Premiums. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. ICBC (Asia) does not guarantee the existence of secondary market.
Currency-Linked Contract: Currency-Linked Contract is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The returns on currency-linked contract are limited to the predetermined interest amount and will depend on the market conditions prevailing on the determination date. Investment in the currency-linked contract involves the risk of exchange rate fluctuation of the linked currency, leading to the possible loss of some or all of the principal and interest amount.
Equity Linked Contract:Equity Linked Contract is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. Investment in equity linked contract involves substantial risks including market risk, liquidity risk, and the risk that the issuer(s) who will be unable to satisfy its obligations under the equity linked contract. Investors should read the relevant prospectus, information memorandum and/or offering documents to ensure that they understand the nature of all of these risks before making a decision to invest in equity linked contract.
Structured Deposit:Structured Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The returns on Structured Deposit are limited to the predetermined interest amount and will depend on the market conditions prevailing on the determination date. Your investment in Structured Deposit denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.
Structured Product: Structured Product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The returns on Structured Product could be limited to the predetermined interest amount and will depend on the market conditions prevailing of underlying asset on the determination date, your investment may be converted to underlying asset at a specified price, it may cause a loss of principal . Your investment in Structured Product denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. If the issuer becomes bankrupt or default, you may lose part or the whole of your investment amount.
Certificate of Deposit: The Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The Certificate is issued by the Bank. If the Bank becomes bankrupt or default, you may lose part or the whole of your investment amount.
Important Notice
The above risk disclosure statements cannot disclose all the risks involved. If you wish to obtain the comprehensive risk disclosure, please approach our branch staff for enquiries. Before making investment decision, you should thoroughly study the offering documents, financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances including financial position, investment experience and objective to ensure the investment is suitable for your particular investment needs and risk tolerance capacity. You should seek independent financial and professional advice before any trading or investment. This promotional material does not constitute an offer or solicitation for the purchase or sales of any investment products. This promotional material is issued by Industrial and Commercial Bank of China (Asia) Limited (the “Bank”) and the contents have not been reviewed by Securities and Futures Commission.
The Bank distributes the fund product for the fund houses and the fund product is a product of fund houses but not that of the Bank. 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; however any dispute over the contractual terms of the fund product should be resolved between directly the fund houses and the customer.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
"ICBC (Asia)" or “The Bank” is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.
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