RMB notes exchange and withdrawal are only applicable to banknotes in denominations of RMB50 or above. ATM withdrawal is only applicable to banknotes in denominations of RMB100. RMB withdrawal is not applicable to the Citibank ATMs at the Hong Kong International Airport, Shatin Racecourse and Happy Valley Racecourse. RMB withdrawal is limited to HKID holders only and is subject to the Daily Conversion Limit (RMB20,000) and the Daily Withdrawal Limit (HK$20,000 or equivalent and HK$40,000 or equivalent for Citibanking and Citigold clients respectively) whichever is lower. And non-HKID holders can only withdraw RMB via RMB accounts. The unused part of any remittance funds from the banks in Mainland China may be remitted back into your account in Hong Kong. RMB local inter-branch transfer (CHATS) is applicable at branch only. The RMB (CNH) trading hour for non-HKID holders / Business Account is Monday to Friday, 9:30am to 6:00pm. RMB savings interest rate is calculated on a year base of 360-day. The above mentioned products might only be applicable to limited jurisdictions. All obligations herein are payable solely at and by Citibank (Hong Kong) Limited, subject to the laws of Hong Kong (including governmental actions, orders, decrees and regulations). RMB deposits/trading are subject to exchange rate fluctuations, which may provide both opportunities and risks. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. RMB conversion for HKID holders is subject to a daily limit. Clients should be aware of the time required for conversions of RMB from/to another currency of an amount exceeding the daily conversion limit. The actual conversion arrangement will depend on the prevailing restrictions at the relevant time.