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¹ The applicable interest rate, currency, and deposit period are subject to the content displayed on the ZA Bank App product page. FX involves risks. T&C apply.

Important Risk Statement:
Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by the Securities and Futures Commission (“SFC”) or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. Save for the Customers under the Cross-boundary Wealth Management Connect Southbound Scheme (“Cross-boundary WMC Southbound Scheme”), the platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. Save for the Customers under the Cross-boundary Wealth Management Connect Southbound Scheme (“Cross-boundary WMC Southbound Scheme”), If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.

Risk Disclosure for Cross-boundary Wealth Management Connect Southbound Scheme Compliance with the Applicable Requirements
The use of the Cross-boundary Wealth Management Connect Southbound Scheme is subject to all the Applicable Requirements, including the applicable laws and regulations issued by the Authorities in Chinese Mainland. The Applicable Requirements may be subject to change from time to time. Any change in the Applicable Requirements may have an adverse impact on the use or operation of the Southbound Scheme Dedicated Investment Account under the Cross-boundary WMC Southbound Scheme (such as the imposition of a restriction on, or suspension of, the use of the Cross-boundary WMC Southbound Scheme).
ZA Bank may vary the scope of, suspend or terminate the Southbound Scheme Dedicated Investment Account under the Cross-boundary WMC Southbound Scheme without prior notice for compliance with the Applicable Requirements. ZA Bank is not liable for any loss incurred or suffered by the Customer or any third party, arising from or in connection with the use of the Southbound Scheme Dedicated Investment Account under the Cross-boundary WMC Southbound Scheme.

Points to note on Designation and Pairing of a Southbound Scheme Dedicated Remittance Account
The Southbound Scheme Dedicated Investment Account can only be used strictly for the sole purpose of the Cross-boundary WMC Southbound Scheme by pairing that account with the Customer’s Southbound Scheme Dedicated Remittance Account and cannot be used for any other purposes or functions which may otherwise be available in respect of a bank account opened and maintained with ZA Bank.
The Customer must follow the procedures and requirements as ZA Bank may specify from time to time, including the designation of a Southbound Scheme Dedicated Remittance Account for funds remittance to and from the Southbound Scheme Dedicated Investment Account. A Customer can only designate one Southbound Scheme Dedicated Remittance Account at all times and cannot change such designated account without ZA Bank’s consent. The Southbound Scheme Dedicated Remittance Account must be opened and maintained with the Cooperating Bank. The operation of the Southbound Scheme Dedicated Remittance Account is subject to the terms and conditions applicable to such account as prescribed by the Cooperating Bank. The Customer shall understand the terms and risks associated with the operation of the Southbound Scheme Dedicated Remittance Account.
In addition, the Customer should understand that the Cooperating Bank is incorporated in Chinese Mainland, is not an authorised institution in Hong Kong as defined in ZA Banking Ordinance (Cap. 155 of the Laws of Hong Kong) and is not subject to the supervision of the Hong Kong Monetary Authority. The Cooperating Bank cannot carry on any banking business or the business of taking deposits in Hong Kong. Any deposits maintained with the Cooperating Bank are not protected under the Deposit Protection Scheme in Hong Kong.
The transactions carried out through the Customer’s Southbound Scheme Dedicated Remittance Account under the Cross-boundary WMC Southbound Scheme will be subject to the protection of the laws and regulations in Chinese Mainland.
ZA Bank only accepts a Southbound Scheme Dedicated Remittance Account which is opened and maintained in the Customer’s sole name with a Cooperating Bank in Chinese Mainland acceptable to ZA Bank.

Restrictions on fund transfer and remittance
All funds transfer and remittance under the Cross-boundary WMC Southbound Scheme are restricted and subject to the Applicable Requirements and other requirements as ZA Bank may specify from time to time.
The Customer can only effect cross-boundary fund remittance in RMB under the Cross-boundary WMC Southbound Scheme under a closed-loop mechanism by pairing together the Southbound Scheme Dedicated Remittance Account and the Southbound Scheme Dedicated Investment Account for the sole purpose of the Cross-boundary WMC Southbound Scheme, subject to any applicable aggregate and individual investor quota(s) imposed by the Applicable Requirements and/or other requirements as ZA Bank may specify from time to time. ZA Bank does not accept any other deposit into a Customer’s Southbound Scheme Dedicated Investment Account. The aggregate and individual investor quotas may change. There is no assurance that a Customer’s instruction can be successfully processed in time or at all. In other words, the Customer cannot effect cross-boundary fund remittance in RMB if the applicable aggregate or individual investor quota(s) has been exceeded. ZA Bank does not accept cross-boundary remittance for any other purpose.
Instructions for funds remittances from the Southbound Scheme Dedicated Remittance Account to the Southbound Scheme Dedicated Investment Account under the Cross-boundary WMC Southbound Scheme may be put on hold as a result of the aggregate quota being used up while remittances from the Southbound Scheme Dedicated Investment Account back to the Southbound Scheme Dedicated Remittance Account and investment instructions using funds already remitted to the Southbound Scheme Dedicated Investment Account will not be affected.
If the Customer simultaneously holds an account with any licensed corporation in Hong Kong for the purpose of the Cross-boundary WMC Southbound Scheme:
(a) his or her individual investor quota will be allocated between ZA Bank and the licensed corporation pursuant to the Applicable Requirements and other requirements as ZA Bank may specify from time to time;
(b) the Customer shall take such actions as ZA Bank may prescribe from time to time to enable ZA Bank to comply with the Applicable Requirements (including but not limited to those relating to his or her individual investor quota) when he or she opens an account with a licensed corporation in Hong Kong for the purpose of the Cross-boundary WMC Southbound Scheme. Such actions may include (but not limited to) disposing some of the Eligible Products held by the Customer in his or her Southbound Scheme Dedicated Investment Account and remitting funds to his or her Southbound Scheme Dedicated Remittance Account so as to lower the individual investor quota usage to comply with the Applicable Requirements; and
(c) The Customer is solely responsible for any transaction costs, fees and charges incurred from actions taken under subsection (b) above.
The Customer shall only use the funds in the Southbound Scheme Dedicated Investment Account to invest in the Eligible Products. The Customer cannot withdraw cash, nor transfer the balance from the Southbound Scheme Dedicated Investment Account to any account other than the Southbound Scheme Dedicated Remittance Account. In addition, the Applicable Requirements may change from time to time.
ZA Bank generally transfers funds out of a Customer’s account upon instructions during working hours, subject to the types of transfer and the manner of instructions. ZA Bank reserves the right to reject the Customer’s instructions for the Cross-boundary WMC Southbound Scheme, as ZA Bank reasonably considers appropriate. There is no assurance that the Customer’s instruction can be successfully processed in time or at all. If a Customer’s instructions are rejected or not processed in time, the Customer may be subject to liquidity risk.

Restricted list of Eligible Products
The Customer is only allowed to utilise funds in the Southbound Scheme Dedicated Investment Account for investment in the Eligible Products. ZA Bank may change the list of the Eligible Products from time to time without giving any reason or prior notice. The Customer cannot purchase products which have ceased to be the Eligible Products.
The Customer must ensure that all assets held in the Southbound Scheme Dedicated Investment Account (or any part thereof) are free from any charge, lien or other security interests or encumbrances or claims in favour of any other person.

RMB currency risk
RMB is subject to foreign exchange control and restrictions imposed by the Mainland Chinese central government. There may be additional rules, regulations and restrictions that may be relevant to RMB conversion. The Customer should take reasonable steps to look out for updates and details before giving instructions for RMB conversion.
The exchange rate of RMB may vary from time to time. There is no guarantee that RMB will not depreciate. The exchange rate of RMB traded outside Chinese Mainland (“Offshore RMB”) will be affected by, amongst other things, foreign exchange control imposed by the Mainland Chinese central government from time to time. The Customer will incur currency conversion costs (being the spread between the purchase and sale of Offshore RMB) and be subject to exchange rate fluctuation risks in any such currency conversion.

Foreign exchange risk
If the Eligible Products that are traded by the Customer are not denominated in RMB, the Customer may have to convert RMB into the relevant foreign currency when the Customer invests in that foreign currency denominated Eligible Product. The Customer will be exposed to exchange rate risk in the event that the Client has to convert the relevant foreign currency back to RMB under the Cross-boundary WMC Southbound Scheme.
In addition, if the relevant foreign currency is subject to exchange control, it is possible that the Customer may not receive the relevant foreign currency upon redemption or sale of the foreign currency denominated Eligible Products. The relevant foreign currency denominated Eligible Products may also be subject to liquidity risk, credit and insolvency risks of the product issuers.

Cross-boundary WMC Southbound Scheme channel and operational hours
ZA Bank has the absolute discretion to determine and vary the service channel and operational hours of the Cross-boundary WMC Southbound Scheme. The Customer should be aware of the risk of price fluctuations in the Eligible Products during such time when the Cross-boundary WMC Southbound Scheme is not available. There is no assurance that the Customer’s instruction can be successfully processed in time, or at all.

General risks associated with investing in the Eligible Products
Investing in the Eligible Products involves risks. The Customer should understand and assess the risks associated with such investment (including the specific risk disclosures set out in the transaction documents of the relevant Eligible Products). The Customer should make the investment decision based on his or her own independent judgment. Unless agreed by ZA Bank, ZA Bank will not act as the Customer’s advisor. The Customer should seek independent professional advice when appropriate.

Disclaimer and remarks for investment funds
Only SFC-authorised investment funds that are distributed by ZA Bank will be shown on this platform. SFC authorisation is not a recommendation or endorsement of a fund nor does it guarantee the commercial merits of a fund or its performance. It does not mean the fund is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. The content of this platform has not been reviewed by SFC or any regulatory authority in Hong Kong.
This platform is solely for personal and non-commercial use and for general information and reference only. Re-distribution of any part in any means is strictly prohibited. Information on this platform is for reference only and does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction, nor does it constitute any prediction of likely future movements. Investor should not make investment decisions based solely on the information contained on this platform.
The fund information in this platform is provided by third party providers, such as fund houses, Morningstar and etc., (“Information Provider”) unless otherwise specified. ZA Bank does not guarantee the accuracy or reliability of the information provided by the Information Provider and accept no liability (whether in tort or contract or otherwise) for any loss or damage arising from any inaccuracies or omission. The funds are posted in this page in accordance with below principle and rely on data from Information Provider:

Morningstar disclaimer
©2023 Morningstar. All Rights Reserved. The information, data, analyses and opinions (“Information”) contained herein: (1) include the proprietary information of Morningstar and Morningstar’s third party licensors; (2) may not be copied or redistributed except as specifically authorised; (3) do not constitute investment advice;(4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.

Remarks for fund information
1. Source: Morningstar
2. Fund's performance is calculated on a NAV-to-NAV or Bid-to-Bid basis in fund currency. (The dividends are reinvested).
3. Dividend Yield is the dividend amount declared over the past twelve months as a percentage of the last month-end fund unit price.
4. The dividend information provided are for information purposes only and do not imply prospective yields of the funds.
5. According to regulatory requirements, when the fund is launched less than 6 months, no performance data may be shown.

Information and data
Information and data published above are provided by third party content providers but not ZA Bank. ZA Bank shall not be liable for any errors, inaccuracies or delays in content, or for any actions taken in reliance thereon. ZA Bank expressly disclaims all warranties, expressed or implied, as to the accuracy of any of the content provided, or as to the fitness of the information for any purpose. ZA Bank does not guarantee the accuracy or reliability and accepts no liability (whether in tort or contract or otherwise) for any loss or damage arising from any errors, inaccuracies or omissions.

Risk in relation to electronic trading service:
There are risks associated with the system, including the failure of hardware, software and/or the telecommunication media, which may result in transmission interruption, distortion, blackout or delay of instructions for any or all transactions in investment products or other information. ZA Bank disclaims liability for any loss or damages in connection with any error, interruption, delay in operation or incomplete transmission, line or system failure.