¹ The bank may require client to provide latest 12 months audited financial report or additional personal and company related documents when applicable

²Risk Disclosure Statement for Foreign Exchange:

Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the customer converts deposit from the foreign currency to another currency (including Hong Kong Dollar).

³Risk Disclosure Statement for RMB Investment:

Risk relating to Renminbi - You should note that the value of Renminbi against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between Renminbi and foreign currencies), which may adversely affect your return under this product when you convert Renminbi into your home currency. Renminbi is not a freely convertible currency. Any conversion of Renminbi through banks in Hong Kong may be subject to certain restrictions prevailing at the relevant time.

• Standard Chartered Bank (Hong Kong) Limited (the “Bank”) reserves the right to determine the facility amount, interest rate, handling fee rebate or any other offer in respect of the facility applied, or to decline client’s application in its entirety without giving any reason for doing so. If an application for Loan is declined, no contractual relationship arises between the Bank and the client in respect of any product or service requested in the application.
• The applicable interest rate and acceptance of a facility application is entirely at the discretion of the Bank and is to be considered on a case-by-case basis in accordance with the client’s credit records and all other relevant factors.
• The Bank reserves the right to change or terminate and amend any of the terms and conditions of the facility at any time. In case of disputes in the connection with the facility and any of the special offers set out in this document, the Bank’s decision shall be final and binding.
• For general terms & conditions for particular products of Business Working Capital, please refer to respective Terms and Conditions, Application forms and other documents at sc.com/hk or contact our branch staff.
• Should there be any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.