* Zero monthly fee will only apply if customers make less than 7 counter transactions per month. Please click here for details. For more details on the Notes / Terms and Conditions, please click here.
	# Important Risk Warning: Unit Trusts are investment products and some of them are structured products involving derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Unit Trusts are NOT equivalent to time deposits. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. Additional risks are disclosed in the " Risk Disclosure" link here. Please refer to it for details.

Important Note: Please note that Structured Investment Deposits (unless otherwise stated in the relevant Appendix to any related terms and conditions), Deposit Plus, HSBC's Certificates of Deposits, and any deposits charged to the Bank as security for banking facilities (including without limitation the deposits for the time being charged to the Bank under the security created under the Business Integrated Account General Terms and Conditions to secure the Secured Credit Facility) are not protected deposits and are not protected by the Hong Kong Deposit Protection Scheme. The repayment of the aforementioned deposits is not guaranteed by the Hong Kong SAR Government's Exchange Fund.