Disclaimer:

In general, changes in interest rates in the country issuing the alternate currency relative to interest rates in the country issuing the base currency may affect the future value of the base currency relative to the alternate currency, as implied by currency contracts, which would generally affect the value of the DCI.

Interest rates may also affect the economy of a country issuing the relevant currencies and, in turn, the exchange rates and therefore the values of the currencies relative to one another. The interest rates for the base currency, with regards to the interest rate volatility, from time to time, may continue to be volatile.

The Bank has the right to repay the investor at maturity date either in the base currency or in a specified alternate currency at a conversion rate agreed at the time the DCI was made. The actual return of the investment may be negative in the event the base currency is paid in the alternate currency.  Exchange controls may also be applicable to the currencies your investment is linked to which may result in the loss of your principal sum.

An early withdrawal or early termination of the DCI may also result in a lower rate of return for the investor or a loss of the initial base principal amount invested/deposited. The Bank may, in its sole discretion, deduct additional costs, losses or expenses incurred in relation to such early withdrawal or early termination (including without limitation, any break cost, administrative cost, cost of unwinding any hedge being put in place, cost of funding or loss of bargain).-This document is not intended to be exhaustive and does not constitute an offer, invitation, recommendation or solicitation of any action based upon it.