Fusion Bank - HK Digital Bank 4+

Fusion Bank is a regulated licensed bank in Hong Kong conducting digital banking business and a member of Tencent Holdings Limited. Fusion Bank focuses on "minimalist finance" and meets your financial needs through a one-stop mobile app. It supports HKD/CNY/USD deposits and investment services, real-time foreign exchange transactions# and cross-border transfers##, and can open an account in as fast as 5 minutes*. Fusion Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$800,000 per depositor.
Subject to terms and conditions
*The time required to open an account depends on the actual situation. Generally speaking, users can complete the account opening in as fast as 5 minutes without submitting additional data.
**The minimum subscription threshold of the funds offered by Fusion Bank is as low as HK$10 or US$1. The minimum subscription threshold may vary for different funds, please refer to the actual situation of fund subscription. Terms and conditions apply, please refer to the event-related Terms and Conditions on the Fusion Bank App. Please refer to the actual situation of fund subscription. Trading instructions submitted by customers before 10:00 am on each fund trading day can be settled on the same day at the earliest. Generally, fund trading days do not include weekends, public holidays and market closure days, please refer to the relevant offering documents of the fund for details. If there is non-trading day of the fund, the settlement date of the transaction will be postponed. The Bank will process your transaction as soon as possible after receiving your trading instruction. The actual settlement time depends on the actual situation of each transaction and it is not guaranteed. The information is not and should not be construed as an offer to buy or sell any investment products, and should not be considered as investment advice. You should carefully consider whether any investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. Investment involves risks. Investors should not only based on this material alone to make investment decisions. Please refer to the offering documents of the respective funds for details, including product features, fees and charges, and risk factors.

#The foreign exchange service hours of our bank are from 9 am to 5 pm, Monday to Friday, excluding public holidays. Currency risk: foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa. CNY currency risk: CNY is subject to exchange rate risk. Fluctuations in the exchange rate of CNY may result in losses in the event that the customer subsequently converts CNY into another currency (including HKD). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. CNY is currently not freely convertible and conversion of CNY may be subject to certain policies, regulatory requirements, and or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements, and or restrictions prevailing at the relevant time.

##The arrival time is subject to the processing of the intermediary bank and the beneficiary bank.

^The Annualised Percentage Rate (APR) is calculated in accordance with the relevant guidelines set out by the Hong Kong Association of Banks and is rounded to the nearest two decimal places. The APR is a reference rate that shows the base interest rate and other fees and charges of bank products as an annualized rate. The final approval result and interest rate may vary depending on the customer's actual situation. To borrow or not to borrow? Borrow only if you can repay!