Notes:

1. YuSmart customers can apply for HKD, USD and RMB Auto-Sweeping Service. The pre-set maximum limit of Auto-Sweeping is HKD5,000 (for HKD account), USD600 (for USD account) and RMB4,000 (for RMB account). Customers can re-set the maximum limit. The self-designated maximum limit of Auto-Sweeping is HK$50,000 (for HKD account), USD6,000 (for USD account) and RMB40,000 (for RMB account). Auto-Sweeping Service is only applicable to the designated Current Account with insufficient fund to settle the cheque at the cut-off time of any Bank’s working date, provided the transfer sum does not exceed the maximum limit prescribed by the Bank from time to time or the maximum limit designated by you. If the total transfer sum exceeds the maximum limit, this Auto-Sweeping Service will not be executed even though the amount of one of the cheques is below the maximum limit. If the transfer sum under this Auto-Sweeping Service successfully covers the overdraft principal, the overdraft principal will be subject to interest charges at the standard overdraft rates published by the Bank from time to time. Customers are required to pay the accrued interest prior to the day specified by the Bank. For terms and conditions of Auto-Sweeping Service, please click here.

General Terms and Conditions:

• YuSmart is only applicable to personal customer in sole name.
• The above products, services are subject to the relevant terms.
• YuSmart Service Guide offers a brief summary of the relevant products, services and offers provided by YuSmart. For details of the products, services and offers and the relevant terms, please contact the staff of Chiyu Banking Corporation Limited (the “Bank”).
• The Bank is an insurance agent of above insurance service.
• The Bank reserves the right to amend, suspend or terminate the above products, services and to amend the relevant terms and YuSmart Service Guide at any time at its sole discretion without prior notice.
• In case of any dispute, the decision of the Bank shall be final.
• Should there be any discrepancy between the Chinese and English versions of above products, services or YuSmart Service Guide, the Chinese version shall prevail.

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

Risk Disclosure

• Although investment may bring about profit opportunities, each type of investment product or service comes with its own risks. For details of the nature of a particular product and the risks involved, please refer to the relevant offering documents. You should seek advice from an independent financial adviser.

Important Notes:

• The above risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before your trade or invest. You should carefully consider whether trading or investment is suitable in light of your own financial situation, investment experience, investment objectives, risk tolerance and ability to understand the nature and risks of the relevant product. You are advised to seek independent financial and professional advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.
• The investment decision is by yours but you should not invest in any investment product unless the intermediary who sells such investment product to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objective. Investments (include RMB investments) involve risks, you should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
• This website does not constitute any offer, solicitation, recommendation, comment or any guarantee to buy, subscribe, or trade of any investment product or service.
• This website is issued by Chiyu Banking Corporation Ltd. and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.