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Structured Notes

Structured Notes

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Introduction to Structured Notes
Offshore structured products, known as Structured Notes, refer to hybrid securities issued in the form of bonds outside the Republic of China (Taiwan). These products combine fixed-income securities with various derivative financial instruments, such as equity, interest rates, exchange rates, indices, commodities, credit events, or other interests. The main structure involves incorporating various types of options into fixed-income securities, and the investment profits and losses linked to different underlying assets which has a different type of return compared to traditional fixed-income securities.
Structured Notes are different from common derivative financial instruments (such as futures and options). Most of the Structured Notes are customized financial instruments based on contractual agreements, resulting in limited trades in stock exchange markets while the majority of trades happened directly with investment banks through over-the-counter market (OTC). On the other hand, futures and options are mainly traded through exchanges. Furthermore, the returns of Structured Notes are not only derived from the performance of underlying assets but also from the structure design that combines various types of options. Therefore, due to their tailored nature, Structured Notes can be designed by investors’ preference for underlying, investment horizon, and risk tolerance.
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Product Risks

This product is not covered by deposit insurance. The factors that may affect the reference net asset value of Structured Notes are extremely complicated. The risk disclosure provided by banks is non-exhaustive, and it may not fully describe the trading risks and factors that can influence the market. Therefore, investors are reminded to fully understand the attributes of Structured Notes, as well as relevant financial, accounting, tax, or legal matters, and to assess their own financial status and risk tolerance before making any investment decisions.

The risks associated with this product may include but not limited to minimum return risk, investor’s early redemption risk, interest rate risk, liquidity risk, credit risk, currency exchange risk, event risk, country risk, settlement risk, issuer’s default risk, potential taxation risk, issuer’s early redemption risk, reinvestment risk, market risk, sub-effect of underlying risk, inflation risk, convertible risk, lock-up period risk, principal risk, volatility risk, conflict of interest risk, market disruption risk, risk of non-launched products, risk of product condition changes, and legal risk, among others. In the worst-case scenario, the maximum loss/risk may be all invested principal and incurred interest. Please refer to the relevant contracts for the risk disclosure.

For product-related fees, please refer to the “General Agreement for Account Opening” II and Trust Account Agreement in “Standardized Contract Disclosure Area” under “Statutory Public Disclosure Items”.