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This document should not be distributed, directly or indirectly, in any jurisdiction in which the distribution of these materials would be prohibited. This document and its content are not intended and shall not in any way be construed as (a) an offer or the solicitation to the public in Hong Kong for the purchase or sale of any securities, regulated investment agreement or collective investment scheme; or (b) it is intended to constitute a representation as to future movements in rates or prices or that any such future movements will not exceed those shown in any illustration. Any prediction, projection or forecast contained herein as to likely future movements in rates or prices or likely future events or occurrences constitutes an opinion only and is not necessarily indicative of actual future movements in rates or prices or actual future events or occurrences (as the case may be). Past performance is not necessarily indicative of future performance; the value, price or income from investment may fall as well as rise. This document has not and will not be registered as a prospectus in Hong Kong or authorised by the Hong Kong Securities and Futures Commission under the Hong Kong Securities and Futures Ordinance. This document is distributed on the express understanding that, whilst the information in it is believed to be reliable, it has not been independently verified by us. Further, this document is a general evaluation only and has not been prepared to be suitable for any particular person or class of persons. We make no recommendations to any particular person or class of persons, and we make no representation or warranty (express or implied) of any nature, nor do we accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this document. Each recipient of this document should make his/her own independent evaluation of any transaction and of the relevance and adequacy of the information in this document and should make such other investigations as it deems necessary to determine whether to participate in any transaction. Each recipient should consult his/her own financial advisor. This shall not, however, restrict or exclude or limit any duty or liability to a person under any applicable laws or regulations of any jurisdiction which may not lawfully be disclaimed. Unless otherwise specifically stated, all statements in this document (including any views, opinions or forecasts) are solely those of SCBHK as at the date of this document and are subject to change without notice. SCBHK and its parent companies, affiliates, connected companies, employees or clients may have an interest in the wealth management products (or related financial instruments or their related derivatives) (the “WM Products“) mentioned in this document. This may involve activities such as dealing in, holding, acting as market-makers, or performing financial or advisory services, in relation to any of the WM Products referred to in this document. SCBHK and its parent companies, affiliates or connected companies may also have acted as a manager or co-manager of a public offering of such WM Products, and may also have an investment banking relationship with any companies mentioned in this document. However, the issuer of the Products is not SCBHK or its parent companies, affiliates or connected companies, and the value of the Products depend on the ability of the issuer to perform its obligations under the Products. Copyright in all materials, text, articles, logos, graphics, images and information contained herein is the property of, and may only be reproduced with permission of an authorised signatory of, SCBHK, Copyright in materials created by third parties and the rights under copyright of such parties are hereby acknowledged. Copyright in all other materials not belonging to third parties and copyright in these materials as a compilation vests and shall remain at all times copyright of SCBHK or save with the express prior written consent of an authorised signatory of SCBHK. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail. You may, at any time and without charge, choose not to receive any of our future marketing communications. If you choose not to receive any marketing communications from the Bank, please write to us and provide your (1) name and (2) account number or HKID/passport number by mail to Standard Chartered Bank (Hong Kong) Limited, GPO Box 21, Hong Kong or visit any of our branches (applicable to personal clients only).