Update Financial Profile

Regular review of your Financial Profile is crucial for you and the Bank to understand your financial needs and risk appetite, updating your Financial Profile is now made simpler and easier!

There are two objectives that you can choose for updating your Financial Profile maintained with the Bank:

General Profiling

The Bank can, base on your answers to Financial Profile and the Bank's prevailing policy, provide a list of possible financial solutions for your own reference.

Product Suitability Re-assessment

For Premium Deposit, Currency Switching, Foreign Exchange Margin Trading and Leveraged Trading, the Bank will regularly invite existing customers who have signed up for any of these investment services to update their Financial Profiles. Customer can simply return the completed Financial Profile to the Bank by mail or fax to have the Financial Profile updated.

Simple steps to update your Financial Profile record maintained with the Bank
(See Important Note 1):

1. To start updating your Financial Profile record, please click “Proceed”.
2. Key in your Personal Details and enter your answers to the 9 Investment Profiling Questions. If the Education Level indicated in the Financial Profile Form differs from the Bank's record, the Bank will update its record accordingly. Call our Enquiry Hotline at 2886 8868 or visit any of our branches if you have any enquiries.
3. Read carefully to understand the “MOST IMPORTANT INFORMATION” and “Customer Declaration” sections.
4. Print the Form out. You may save and download the completed Form into your computer for your future reference. Sign on the Form (using the authorized signature you filed with the Bank) and return to the Bank either by mail to PO Box 68383 Kowloon East Post Office or fax to 2282 0107.

Special Notes

1. If you complete this Financial Profile for the purpose of General Profiling, it is not mandatory for you to answer Investment Profile Question 8. If you complete this Financial Profile for the purpose of Product Suitability Re-assessment, you must complete Investment Profile Question 8 by choosing the percentage of total investible assets you are going to invest in these investment products respectively
2. In accordance with the recommendation by the Hong Kong Monetary Authority, banks in Hong Kong have to segregate their investment services and general banking services. If you wish, at the same time, to give consent to the Bank to access and utilize your deposit-related information for providing investment / wealth management services to you and provide full banking services for you at the dedicated "Investment • Financial Services" zones at our branches, please complete Section 3 Use of "Investment • Financial Services" zone in the form as well
3. For Product Suitability Re-assessment for Premium Deposit, Currency Switching, Foreign Exchange Margin Trading and Foreign Exchange Leveraged Trading where applicable, read carefully to understand the Risk Disclosure Statements for these investment services as below:
   
   

   Risk Disclosure Statement for Premium Deposit (PD)

   Important Note:
   Premium deposit is structured product involving derivatives. The investment decision is yours but you should not purchase such product 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.

   Risk Disclosure Statement:

   •	Investment involves risks. The worst case will result in loss of your entire investment.
   •	Premium Deposit is not an alternative to ordinary savings or time deposits and is NOT a protected deposit under the Deposit Protection Scheme in Hong Kong and that the repayment is not guaranteed by the Hong Kong SAR Government's Exchange Fund which will expire at the end of 2010.
   •	Principal Loss Risk / Currency Risk - This product is not principal-protected and the return of which will be dependent on movements in some specified currency exchange rates which are affected by a wide range of factors and may rise or fall rapidly.
   •	Liquidity Risk / Early Withdrawal Risk / Cancellation Risk - Any cancellation or withdrawal prior to maturity is subject to the consent of the Bank. With these risks, investors may incur significant costs or losses.
   •	Investor(s) should not make investment decision base on this document alone.

   Note: This document does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction, nor does it constitute any prediction of likely future price movements.  All figures appearing are for illustration purposes only.  This document has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

   Risk Disclosure Statement for Currency Switching (CS)

   •	Investment involves risks. The worst case will result in loss of your entire investment.
   •	The investment decision is yours but you should not invest in Currency Switching 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.
   •	This product is not an alternative to ordinary savings or time deposits and is NOT a protected deposit under the Deposit Protection Scheme in Hong Kong and that the repayment is not guaranteed by the Hong Kong SAR Government's Exchange Fund which will expire at the end of 2010.
   •	Principal Loss Risk / Currency Risk - This product is not principal-protected and the return of which will be dependent on movements in some specified currency exchange rates which are affected by a wide range of factors and may rise or fall rapidly.
   •	Liquidity Risk / Early Withdrawal Risk / Cancellation Risk - Any cancellation or withdrawal prior to maturity is subject to the consent of the Bank. With these risks, investors may incur significant costs or losses.
   •	Investor(s) should not make investment decision base on this document alone.

   Note:  This document does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction. All figures appearing are for illustration purposes only.  This document has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

   
   Risk Disclosure Statement for Foreign Exchange Margin Trading (FXMT) / Foreign Exchange Leveraged Trading (FXLT)
   

   Important Note:
   Foreign Exchange Margin Trading (FXMT) and Foreign Exchange Leveraged Trading (FXLT) are leveraged products with complex features and very high risk. FXMT and FXLT are not equivalent to time deposits and are not principal-protected.

   •

   The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial 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. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives, and also read the terms and conditions of relevant investment products before making any investment decision.

   •

   Investor(s) should not make investment decision base on this document alone.

   Note:  This document does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction. All figures appearing are for illustration purposes only.  This document has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

4. For Product Suitability Re-assessment of joint account, please also ask the joint account holder(s) to repeat the above steps and sign on his / her own Form.
5. The Bank will send you the updated Financial Profile Report for your reference upon receipt of your completed Financial Profile Form.
6. If you have any enquiries regarding Financial Profile, please feel free to visit any one of our branches or call our Enquiry Hotline 2886 8868.

Important Note: 1. This Financial Profile Update service is only applicable to existing customers of Standard Chartered Bank (Hong Kong) Limited (the “Bank”). 2. Investment Profile Question 8 must be answered by existing customers who have already signed up the following investment services: Premium Deposit, Currency Switching, Foreign Exchange Margin Trading and/or Foreign Exchange Leveraged Trading, for the purpose of product suitability re-assessment. Financial Profile Form returned by customer who has not signed up for any of the above-mentioned investment services will be treated for the purpose of “General Profiling”. 3. Upon receipt of your duly completed Financial Profile Form, the Bank will update the Financial Profile record you maintain with the Bank. For product suitability assessment, if any one(s) of the following investment services, which include Premium Deposit, Currency Switching, Foreign Exchange Margin Trading and Foreign Exchange Leveraged Trading, you have signed up with the Bank is/are assessed to be unsuitable for you according to the Bank's prevailing policy, you will be temporarily restricted from placing new subscription orders to these investment services. You will thereafter be invited to visit any one of our branches such that our colleagues can explain the product features and risks associated with the investment services to you in details so as to protect your interests. The temporarily-suspended investment services will be re-activated for you afterwards if deemed appropriate. 4. If the information provided is changed, you should conduct the profiling again as the suitability assessment result may be different. The Financial Profile is intended to assist you to understand your investment needs and your personal risk profile and merely for your consideration and reference. It should not be considered as recommendation or advice on the suitability of any investment product and does not constitute any offer or solicitation to buy or sell any investment product. 5. Before making any investment decision, please consider your own investment objectives and circumstances carefully and to seek independent financial and other professional advice if there is any uncertainty.

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