The guest talks and lecture content ("Lecture Content") are purely personal opinions and are for reference only. The content of the lectures is produced on the basis of "as is" based on the information available to the public and reasonably believed to be reliable, but the sources of such information have not been independently verified.

The predictions and opinions expressed in the content of the lecture are only general market commentary, and do not constitute solicitation, suggestion, investment opinion or guaranteed return. These forecasts and opinions can be revised without notice, and should not be regarded as recommendations for any investment product or market.

The content of the seminar has not been reviewed by the Securities and Futures Commission of Hong Kong.

The opinions expressed on the content of the lecture are the personal opinions of the relevant speakers, and do not represent the positions and views of BEA Union and The Bank of East Asia Limited.

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