Important Notice and Risk Factors:

• Investment involves risks. The price of units may go down as well as up, as the investments of a fund are subject to market fluctuations and the risks inherent in investments. You should not make an investment decision based solely on this material.
• Before making any investment, you should refer to all relevant investment funds' offering documents, including but not limited to the Explanatory Memorandum, for detailed information including the risk factors.
• A fund may not be available in all jurisdictions and/or be subject to restrictions. If you are in doubt, you should seek independent professional advice.
• Foreign exchange rates fluctuate, and may go down as well as up. It is possible that you may lose some or all of your investment as a result of conducting foreign exchange transactions.
• Equity Linked Investment are structured products involving derivatives and are not capital protected and is subject to the performance and risks of the underlying assets, you could lose their entire investment as the underlying may become worthless in extreme cases.
• Some Equity Linked Investment may not have active secondary market, and may take longer time or impossible to sell to the market and may receive an amount which is substantially less than your original investment amount if you sell it or terminate it before maturity.
• Linked deposits are structured products involving derivatives. Linked deposits are not protected deposits under the Deposit Protection Scheme or covered by the Investor Compensation Fund in Hong Kong. Some linked deposits are not capital protected and are subject to the performance and risks of the underlying assets, you could lose their entire investment as the underlying may become worthless in extreme cases.
• This document does not identify all the risks (direct or indirect) or other considerations, which might be material to you when entering into the transactions. Before entering into a transaction, you should ensure that you have sufficient knowledge and experience, and have received sufficient professional advice to make your own evaluation of the merits and risks of such a transaction. You should make sure you fully understand the risks associated with the relevant product and should also consider your own investment objectives and risk tolerance level. You should consult your own business, tax, legal, and/or accounting advisor(s) and refrain from entering into any transaction unless you have fully understood the associated risks and have independently determined that the transaction is appropriate for you.
• This document and any indicative terms provided to you are solely for information purposes and do not constitute an offer, invitation or inducement or advice or recommendation on behalf of BEA to any person to buy or sell any security or investment product. The information and analysts contained in this page have been compiled or arrived at from sources believed to be reliable but BEA does not make any representation as to their accuracy or completeness and does not accept liability for any loss arising from the use hereof.
• No representation or warranty is made that any indicative performance or return indicated will be achieved in the future. You are reminded that you are responsible for your investment decisions and should read the relevant offering documents and exercise of your own judgement. The advice or opinion expressed by BEA is based on certain assumptions.
• This material has not been reviewed by any regulatory authority in Hong Kong Special Administrative Region or elsewhere.
• This document serves as a generic description of the product. Individual products launched may come with variations to the basic structure. For further clarification on specific products, please contact your financial advisor or seek for independent advice.
• This material has not been reviewed by the Securities and Futures Commission in Hong Kong Special Administrative Region.
• 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. It is possible that you may lose some or all of your investment as a result of conducting securities transaction. Past performance is not indicative of future performance. Information contained herein is for reference only. It does not constitute any offer, solicitation, or recommendation for the purchase or sale of any investment products or the provision of investment services.
• The value of your investment portfolio or your foreign currency or USD deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your investment portfolio or your foreign currency or USD deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to build that investment portfolio or foreign currency or USD, you may suffer loss in principal.
• Investing in foreign market securities carries foreign exchange risk and additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign market securities may be volatile due to the fluctuation of exchange rate and adversely affected by changes in many factors. Investors should read in detail the relevant Risk Disclosure Statements before making any investment decision.
• The Travel Protection Insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited （藍十字（亞太）保險有限公司） ("Blue Cross"), a subsidiary of AIA Group Limited. The above information does not contain the full terms & conditions of the policy and is for reference only. Please refer to the policy for the exact terms & conditions and the full list of policy exclusions. BEA is an appointed insurance agency of Blue Cross. This insurance is the product of Blue Cross but not BEA. All benefits payable under this insurance plan is subject to the credit risk of Blue Cross.
• Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.
• This material is for distribution in Hong Kong Special Administrative Region only. The distribution of this material is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any investment product or insurance product outside Hong Kong Special Administrative Region.
• For distribution of investment and insurance products: 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 BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.