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30-Day Service Pledge

Important Risk Warning:

  1. Some of the investment products are structured products that involve derivatives. The investment decision is yours but you should not invest 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.
  2. Unit Trusts and the investment-linked insurance plan are NOT equivalent to time deposits. Unit Trusts are investment products and some may involve derivatives.
  3. In the worst case scenario, the value of the funds may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
  4. Issuer’s Risk – you rely on the issuer’s creditworthiness. Investment-linked insurance plan is subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (e.g. insolvency of the issuer), you might not be able to recover the principal and any return, if applicable, and the potential maximum loss could be 100% of invested amount and no return received.
  5. Investors should not only base on this material alone to make investment decisions.
  6. Investment involves risks. Past performance of investment products are no guide to future performance. For details of the investment products and the investment-linked insurance plan, their related fees and charges and risk factors, please refer to the individual product materials.
  7. Investment involves risk. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

This document does not constitute an offer for the purchase or sale of any investment products. 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 relevant circumstances. The contents of this document have not been reviewed by the Securities and Futures Commission.

30-day service pledge

In a volatile economic climate, we understand that thoughtful consideration is crucial in making your every financial decision. We are committed to providing you with a total solution to put your mind at ease.

Enjoy the flexibility of our 30-day service pledge

As we listen to your voice and understand your needs for flexible banking services, we continue to bring you 30-day service pledge to address your every financial needs. If your needs change after purchasing any eligible wealth management, personal loan or mortgage products, come back to us within 30 days and we will waive the related banking fee*, if any, such as Securities Margin Trading Service Account safe custody fee, Stocks Monthly Investment Plan brokerage fee, life insurance premium and early settlement penalty. You can remain in total control of your own financial management and enjoy extra peace of mind.

Our 30-day service pledge covers the following product categories:



Product or service


•       Securities Margin Trading Service Account

•       Stocks Monthly Investment Plan

•       Unit Trust – Lump-sum Open-end Funds

•       Unit Trust Monthly Investment Plan


•       Life Insurance

Personal loans

•       Personal Instalment Loan


•       HighAdvance Mortgage

Extended 60-day service pledge for seniors

To facilitate more prudent financial decisions, senior customers aged 65 and above can enjoy our service pledge for up to 60 days and experience the financial services that really put their minds at ease.

Responding to our trust in us, we are the first to commit the service pledge in Hong Kong. It is also an added testament to our continuous efforts to progress with you in the ever-changing economic environment.


* Subject to exclusions including interest payable by customers, fees (or part thereof) that are payable other than in relation to the purchased eligible product / service, or losses due to market value reductions. The fee refund / waiver does not cover investment losses. Please see the applicable terms and conditions for details.

Applicable to senior customers who are aged 65 and above and eligible to apply for the related products or services. Please see the applicable terms and conditions for details.

To borrow or not to borrow? Borrow only if you can repay!