1. The promotion period of this offer is start from 9 Feb 2015 and until further notice.
2. The above annual interest rate is the reference annual interest rate on 6 Dec 2016. This offer is applicable to customer of Wing Lung Bank Limited (“the Bank”) who places new funds RMB100,000 or above for 24-month RMB fixed deposits with the Bank.
3. "New Funds" mean (i) funds newly deposited with the Bank 3 days before opening a fixed deposits account with the Bank by cash, cheque/cashier’s order, local CHATs, Telegraphic Transfer from other banks; or (ii) the existing funds deposited with the Bank converted from other currencies to RMB for opening a fixed deposits with the Bank. The funds for renewal or rollover of existing RMB fixed deposits or the funds transfer from RMB currency accounts of the Bank will not be treated as New Funds. Regarding the definition of "New Funds", please contact our Bank staff for enquiries. The Bank shall have the final decision on the definition of "New Funds".
4. All the fixed deposits cannot be withdrawn, cancelled or terminated before maturity. If the customer withdraws, cancels or terminates the fixed deposits before maturity, no interest will be payable by the Bank and the Bank will impose charges on the customer.
5. This offer cannot be used in conjunction with other offers. This offer is only applicable to the fixed deposits accounts opened at the head office or branches of the Bank.
6. The quota of this offer is limited and on first-come-first- served basis.
7. The Bank reserves the right to suspend, amend or terminate this offer and amend the terms and conditions at any time without prior notice. In the event of any dispute, the decision of the Bank shall be final.
8. If there is any discrepancy between English and Chinese versions of the terms and conditions, the Chinese version shall prevail.

Foreign currency investment s are subject to exchange rate fluctuations which may involve risks. The fluctuation in the exchange rate of foreign currency may make a gain or loss in the event that customer converts the foreign currency into other foreign currencies (including Hong Kong dollar).