Important Information of FX Margin:

The investment decision is yours but you should not invest in the Foreign Exchange Margin("FXM") 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. Your intermediary is under a duty to ensure that you fully understand the nature and risks of the FXM, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of investing in the product. Investor's investments are subject to the insolvency and credit risk of Citibank (Hong Kong) Limited (the "Bank"). This product is not an obligation nor guaranteed by Citigroup. There is no assurance of protection against a default by the Bank in respect of payment obligation. In case of insolvency of the Bank, investor may lose the entire investment irrespective of the performance of the foreign currency market. FXM is not bank deposit and shall not be regarded as a substitute for time deposit. Investment involves risks, including the possible loss of principal amount invested as well as any additional funds deposited with or called by the Bank. Leveraged transactions carry a high degree of risk. The amount of initial margin is small relative to the value of FXM transaction so that the transactions are "leveraged" or "geared". A relatively small market movement will have a proportionately larger impact on the funds you have deposited or will have to deposit. Investor may sustain total loss of initial margin funds and any additional funds deposited with the Bank to maintain position(s). If the market moves against investor's position or margin requirements are increased, investor may be called upon to pay substantial funds on short notice to maintain position(s). If investor fails to comply with request for additional funds within the time prescribed, investor's position(s) may be liquidated at a loss and investor will be liable for any resulting deficit. Placing contingent orders such as 'stop-loss' or 'stop-limit' orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. Past performance is not indicative of future performance. Investors should not rely on the content of this website alone to make investment decisions. They should also read other relevant documents for details including the risk factors. If you have any inquiries, please seek independent professional advice prior to subscription. This material is issued by Citibank (Hong Kong) Limited, a licensed bank regulated by the Hong Kong Monetary Authority.

Important Information of Premium Account:

This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Premium Account 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. Premium Account is a structured investment with embedded option and is subject to the foreign exchange risk. Premium Account is not bank deposit and involves risks, including the possible loss of the principal amount invested. Investors should hold the product to maturity and termination before maturity is NOT allowed. Investors should not only rely on the product description and illustrative examples alone to make investment decisions. Please also refer to Disclaimer set out below and the Terms and Conditions for Accounts and Services (including risk factors) for details. If you have any inquiries, please seek independent professional advice prior to subscription. Past performance is not indicative of future performance. Investor’s investments are subject to the insolvency and credit risk of Citibank (Hong Kong) Limited (the "Bank"). There is no assurance of protection against a default by the Bank in respect of payment obligation. In case of insolvency of the Bank, you may lose your entire investment irrespective of the performance of the foreign currency market and the terms of the Premium Account. Your purchase of the Premium Account should not result in a significant exposure of your total net worth to investment products and you should be able to accept a possible significant loss of the Premium Account invested. There are risk factors listed in the account opening documents, investors should read the relevant content before subscribing to the Premium Account. This material is issued by Citibank (Hong Kong) Limited, a licensed bank regulated by the Hong Kong Monetary Authority.

Important Disclaimer of Stocks:

This webpage is for information purpose only and does not constitute any offer or solicitation or advice to buy or sell any security. Investments are not bank deposits and are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local government or insurance agency, and involve risks, including the possible loss of the principal amount invested. Share prices may go down as well as up. Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction.

Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail.

Important Disclaimer of FX Margin:

The risk of loss in foreign exchange margin trading can be substantial. Investors may sustain losses in excess of their original margin funds. Placing contingent orders, such as "stop loss" or "stop limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. Investors may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, their position will be liquidated. Investors will remain liable for any resulting deficit in their account.

Investors may therefore wish to seek independent advice before making a commitment to enter into foreign exchange margin trading . In the event that investors choose not to seek independent advice, they should carefully consider whether such trading is suitable in the light of their own investment objectives, financial position and risk profile. Investors should also carefully read the relevant Terms and Conditions. US Persons are not eligible for foreign exchange margin trading account opening and trading.

Important Disclaimer of Premium Account:

The minimum transaction amount for Premium Account is US$5,000 or equivalent. A Premium Account is a structured investment. Unlike traditional deposits, Premium Account have an investment element and returns may vary. It is subject to a number of risks. A Premium Account is in substance a foreign currency investment. It is subject to exchange rate fluctuations which may create both opportunities and risks. Premium Account is (i) not insured by any government agency; (ii) not a deposit or other obligation of, or guaranteed by, the depository institution; and (iii) subject to investment risks, including possible loss of the principal amount invested. A Premium Account will be repaid in the currency that is the weaker of the base currency or the alternate currency. If the alternate currency weakens against the base currency, investors will be repaid in the alternate currency. This means investors may effectively incur a loss on the principal amount of the Premium Account, because the amount repaid at maturity, when converted back into the base currency at the prevailing foreign exchange rate, may be lower than the amount of the base currency that investors initially deposited. The higher rate of interest investors earn under the Premium Account may not compensate them for this foreign exchange loss. Investors should also note that the Premium Account is an investment product that should be held to maturity. Termination before maturity is not allowed. Investors may therefore wish to seek independent advice before making a commitment to enter into a Premium Account. In the event that investors choose not to seek independent advice, they should carefully consider whether a Premium Account is suitable in the light of their own investment objectives, financial position and risk profile. For more information on a Premium Account, investors should also carefully read the relevant terms and conditions. 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). Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction.