Information, products and services related to Securities or financial products (“Services”) provided on the website/mobile apps/computer applications designated by the Bank (“online platform”) (where applicable to you) are only applicable to the jurisdictions in which the Services can be legally provided by the Bank. The Services are not intended for persons in or residents of any jurisdictions where such distribution to or use by any persons or residents would be contrary to local laws or regulations. Unless permitted by the relevant laws and regulations of the jurisdiction in which you reside, the Services shall not be deemed to constitute an offer to any person for the purchase or sale of any Securities or financial products, or to make any other investment or deposit.

You are encouraged to consult your own independent financial advisors before making any investment decisions. You should not only base on the information set out in the online platforms alone to make investment decisions, but should read the offering documents (including but not limited to the full text of the risk factors stated therein) of the financial products in detail.

Financial products are not deposits or other obligations of, or guaranteed by, the Bank or any of its affiliates. Investment involves risk. The value of an investment can go down as well as up and you could lose some or all of the principal amount invested. Past performance of a financial product is not a guide to its future performance and yields are not guaranteed. Please refer to the offering documents of the respective financial products for details, including their risk factors.

For information provided in the online platforms relating to the specific financial products or markets (e.g. offering documents, marketing materials, investment performance information, reports, etc) which are issued/sourced by the third party (such as product issuers or information providers), please be advised that such information is being re-transmitted by the Bank in the ordinary course of business to you for information only. The Bank, its officers, employees and agents did not devise, select, add to, modify or otherwise exercise control over its contents. Please also note that you may need to have the latest version of Acrobat Reader to view the files provided in the online platform. The software can be downloaded from http://www.adobe.com. If you wish to obtain a printed copy of such information, please visit the Bank's branches or contact your Relationship Managers.

Please assure that you are proficient and competent in using our online platforms and have appropriate arrangements in place to ensure so.

Before using the Services of the Bank, please assure that you are proficient and competent in using our online platforms and accept the relevant risks as follows:

• Due to unpredictable network traffic congestion and other reasons, the internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in financial products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given;
   
• There are risks associated with the online trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all; and
   
• There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in financial products, as well as of any misunderstanding or errors in communication.
   

The relevant contents of the Services provided on the online platform (including the changes made subsequent thereto) have not been reviewed by the Securities and Futures Commission in Hong Kong. The information contained is not intended to provide professional advice and should not be relied upon in that regard.