此條款表摘要有關此産品系列之主要商業條款。此産品系列將受限於現時「外匯掛鈎保本投資存款」章則之條文及此條款表須與該等章則一同閱讀。
This term sheet summarizes the key commercial terms relating to this series of the Product. This series of the Product will be subject to, and this term sheet should be read in conjunction with, the provisions set forth in the prevailing "Currency-Linked Capital Protected Investment Deposit Terms and Conditions".

認購期
Offer Period

2026年5月15日早上10時正至下午5時正
10:00am to 5:00pm on 15 May 2026

投資編號
Investment Code

AULH02

產品風險程度
Product Risk Level

低風險 (1)
Low Risk (1)

最低投資金額
Minimum Investment Amount

經分行認購:                 港元100,000 (其後金額須為港元5,000之倍數)
Subscription through branches: HKD100,000 (additions must be in multiples of HKD5,000)

經網上銀行認購:             港元5,000 (其後金額須為港元5,000之倍數)
Subscription through e-banking: HKD5,000 (additions must be in multiples of HKD5,000)

投資種類
Type of Investment

看淡澳元(澳元/美元) (即「看淡掛鈎貨幣1」;"掛鈎貨幣1"=澳元，"掛鈎貨幣2"=美元)
AUD Bearish (AUD/USD) (i.e. "Bearish of Linked Currency 1"; Linked Currency 1 = AUD, Linked Currency 2 = USD)

存款投資期
Deposit Period

約 3 個月
around 3 months

存款首日
Start Date

2026年5月19日
19 May 2026

到期日
Maturity Date

2026年8月19日
19 Aug 2026

觀察期
Observation Period

2026年5月15日東京時間下午5時正至2026年8月17日東京時間下午3時正
15 May 2026 Tokyo Time 5:00 p.m. to 17 Aug 2026 Tokyo Time 3:00 p.m.

存款貨幣
Deposit Currency

港元
HKD

本金保證比率
Principal Guarantee %

100%  (須持至到期日)
100%  (At maturity)

潛在回報率（如有）
Potential Return Rate(if any)

0.6500%       (年回報率約等於2.60%)
0.6500%       (Approximately equal to 2.60% p.a.)

最低回報率
Minimum Return Rate

0.6000%       (年回報率約等於2.40%)
0.6000%       (Approximately equal to 2.40% p.a.)

開首匯率
Initial Exchange Rate

0.7210

觸發匯率
Trigger Level

0.6860

觸發條件及回報公式(美式)
Trigger Event & Return Formulae (American Style)

於觀察期內任何時間，如匯率曾<=觸發匯率，到期時總回報 = 保證本金 x (1 + 潛在回報率)；否則，即整個觀察期內，匯率>觸發匯率，到期時總回報 = 保證本金 x (1 + 最低回報率) At any time during Observation Period, if Exchange Rate <= the Trigger Level, Total Return at maturity = Guaranteed Principal × (1 + Potential Return Rate). Otherwise, if during the whole Observation period, Exchange Rate > the Trigger Level, Total Return at maturity = Guaranteed Principal × (1 + Minimum Return Rate).

費用及收費
Charges and Fees

無
NIL

提早贖回
Pre-mature uplift

無
NIL

風險披露聲明

本存款並非亦不應被視為一般定期存款或其代替品。本存款之收益只限於其回報。如市況與投資者之觀點不同，投資者須承受在存款到期日只可取回保證本金及最低回報之風險。未經本行事先同意，投資者不得於到期日前提取此存款。如投資者於到期前提取存款，投資者將失去本金及回報之保證。投資者亦須承受由敘做本存款所產生的任何稅項(如有)。本存款之重要資料概覽載有有關本存款之更詳盡風險披露聲明，但準投資者應注意所披露之風險未必已為全部，因此準投資者在作出任何決定前應先考慮本身之情況。準投資者應就其本身需要於存敘做存款前諮詢專業意見。

外匯價格可能波動。投資者須明瞭外匯之價格及其投資之價值可跌可升。投資者須注意，人民幣受限於中華人民共和國政府的外匯管制。如本存款涉及人民幣，投資者投資於本存款亦將要承受人民幣的貨幣風險。

Risk Disclosure Statement

This CPI Deposit is not and shall not be considered as normal time deposit or its substitute. Earnings on this CPI Deposit are limited to the Return payable. There is an inherent risk that only the Guaranteed Principal and Minimum Return shall be payable to investors on the Maturity Date of the CPI Deposit if market conditions operate against investors. This CPI Deposit cannot be withdrawn by investors prior to the Maturity Date without the Bank's prior consent. Investors will lose the guarantee on Principal and Return if the CPI Product is early withdrawn by the investors. Investors will also be liable for any taxes (if any) that may be incurred from investing in the CPI Deposit. The Important Facts Statement of this CPI Deposit contains fuller risk disclosure statements relating to this CPI Deposit. However, potential investors should note that the risks disclosed may not be exhaustive and thus they should consider their own circumstances before making any decision. Potential investors should seek professional advice before placing the CPI Deposit if necessary.

The prices of currencies may be volatile. Investors should recognize that the prices of currencies as well as the value of their investment may go down as well as up. Investors should note that Renminbi is subject to foreign exchange control by the PRC government. If this CPI Deposit involves Renminbi, investors will also have to bear the currency risk of Renminbi when investing in this CPI Deposit.

本行享有批核申請之全部權利，無論有關申請是否獲接納，本行會於認購期後通知客戶。倘若由於市況突變或本行未能成功確立對沖或其他原因，本行酌情決定不接納有關申請，本行將在存款首日後或其他實際可行情況下盡快退還任何已收取的認購金額。

The Bank reserves the absolute right to approve the application. Whether the application is accepted or not, a notification will be sent by the Bank after the Offer Period. If due to sudden changes in market conditions or the inability of the Bank to establish any hedge or other reasons, the Bank at its discretion decides not to accept the application, any subscription funds received will be returned to the customers after the Start Date or as soon as practicable.

産品詳情及風險因素，請參閱相關之申請表、重要資料概要及章則。

For product details and risk factors, please refer to the relevant Application Form, Important Facts Statement and Terms and Conditions.