Important Note

These videos have been produced by the Hong Kong Association of Banks (“HKAB”). All intellectual property rights in any part of these videos that originates from the materials provided by HKAB are owned by HKAB.

Disclaimer

These videos have been created solely for general information purposes, without taking into account any person’s objectives or needs. No representation or recommendation is made and no liability is accepted regarding the suitability or appropriateness of any of the products or investments referred to in these videos for any particular person’s circumstances. The information contained in these videos is not professional advice and should not be relied upon by any person. These videos do not constitute, nor is it intended to be, nor should it be construed as any advice, offer or solicitation to deal in any of the products or investments mentioned in these videos.

These videos do not, and is not designed to, satisfy any particular regulatory requirements in any jurisdiction in relation to investor education or otherwise. These videos have not been reviewed by any regulatory authorities in any jurisdiction.

While ZA Bank ("the Bank") has endeavoured to ensure the accuracy and reliability of the information contained in these videos, neither the Bank nor HKAB guarantees its accuracy, completeness, reliability or fitness for any purpose. Investors should not rely on the contents of these videos, but should make and rely on their own assessment and evaluation and undertake their own investigations and inquiries and seek all necessary independent advice.

To the maximum extent permitted by applicable law, HKAB and the Bank, their respective employees, agents , staff, affiliates, and/or representatives shall not be liable for: a) any matter relating to or arising in connection with these videos; and (ii)  any liability (whether in tort or contract or otherwise) for any loss, damage, costs or expenses of any nature arising from or in connection with these videos or any related matterincluding but not limited to the following:

- the contents of or omissions from these videos;  
- the provision to, or use by, any person of these videos or any part of it;
- the preparation of the information contained in these videos; and
- any person relying on, disclosing or using any information or statement contained in or relating to these videos.


Investment involves risks. Investors should note that value of investments can go down as well as up and past performance is not necessarily indicative of future performance. These videos do not and is not intended to identify all of the risks that may be involved in the products or investments referred to in these videos. Investors must make investment decisions in light of their own investment objectives, financial position and particular needs and where necessary consult their own professional advisers before making any investment. Investors should read and fully understand all the offering documents relating to such products or investments and all the risk disclosure statements and risk warnings therein before making any investment decisions.


No part of these videos may be reproduced, distributed, modified, broadcasted, hyperlinked, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of ZA Bank.