QDII - Structured Notes, Investments, Banking Investments

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Capture market opportunity with risk control

Reduce investment risks while enhancing your potential return with Structured Notes. Primarily composed of fixed income products, such as zero coupon bonds and derivatives, Secured Notes provide flexible investment strategy, suitable for investors with particular market views.

Risk Disclosure: This is an investment product with investment risk. The principal and return are not guaranteed. Investors may incur a principal/return loss due to the associated risks. For specific risks and features please refer to related terms and conditions stated in the product term sheet.

The features of Structured Notes- different assets allocation:

Disclaimers:

Risk FactorsThe following are some general risks of Structured Notes investment. They are not, and are not intended to be, a complete list of all risks.Foreign Exchange RisksForeign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. Investors may experience a loss when converting foreign currency back to local currency. Investors should therefore determine whether any foreign currency investment is suitable in light of their investment objectives, their financial means and risk profile. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate.Foreign Exchange Risks (RMB Subscription)Foreign Exchange risk for CNY subscribed QDII in structured notes: Investors investing in non-local currency denominated notes should be aware of the risk of exchange rate fluctuations that may cause a loss of subscription amount and coupon (if any) when converting back to CNY. Foreign currency investments (including without limitation, notes that are denominated in a different currency from the investor's local currency) are subject to rate fluctuations, which may provide both opportunities and risks. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate and result in loss of principal and return (if any) upon conversion.Credit RisksCredit risk and limited recourse: The issuer of the note may default on repayment of principal. Any stated credit rating of the Issuer reflects the independent opinion of the referenced rating agency as to the credit-worthiness of the rated entity, but is not a guarantee of issuer’s quality of credit. Any downgrading of the credit ratings of the issuer and/or its parent or affiliates, by any rating agency could result in a reduction in the value of the note. In the event the issuer enters into bankruptcy, debt restructuring or other similar procedures, the payment sums due on the note may be substantially reduced or delayed. If the issuer defaults, the investor could lose all or part of the principal amount invested.Offshore Notes RisksInvestors undertake all the risk the offshore notes investment. The risk disclosure and risk factors of the offshore notes have been listed on Term Sheet. Investors should read Term Sheet carefully to fully understand all risks as well as be willing to undertake all the risks.Liquidity RiskBefore maturity of the note, investors may not be able to realize an equal or higher value than the purchase price of the notes. There is no guarantee that the note holder will be able to sell the notes at the amount they wish to receive. Note holders may not be able to sell prior to maturity, or may have to sell at a substantial loss.