Dual Currency Investment (DCI)

Low investment threshold

• Make transactions reaching the equivalent of US$10,000 and above via Internet/mobile banking!
• No service fees and management fees

Short-term investment

• High flexibility flexible funding operation
• 1 week, 2 weeks, 3 weeks, 1 month, 2 months

Multiple currencies to choose from

• Transactions can be made in 10 currencies
• USD, EUR, GBP, AUD, NZD, JPY, CAD, ZAR, CHF, and MXN

Freely choose the terms and conditions of the product and time of transaction.

• Select the transaction currency, underlying currency, investment tenor, exchange rate, and product income
• Internet/mobile banking transaction time of 09:00~23:00 provides greater flexibility

Comparison of investment products

• The currency put option of DCI gives you an opportunity to receive better return than general foreign currency time deposits.
• DCI transactions involve risks from exchanging the principal between different currencies, so the principal is not guaranteed (the minimum guaranteed principal is 0% for professional investors and 70% for retail customers).

Utilization of DCI Investments

DCI investments involve risks from exchanging the principal between different currencies (such as: USD converted to EUR).		Suitable for those who need the underlying currency need after the principal is exchanged into a different currency (such as: EUR can be used for investment, travel, study abroad, or payments)
The investment term of DCI is short (as short as one week) and gives you an opportunity to receive better return than general foreign currency time deposits.		DCI is suitable for flexibly operating funds during periods in between investments.

4 simple steps

Step 1

Internet banking login > Wealth management > Structured products > DCI online transaction

Step 2

Risk Disclosure

Step 3

Enter the terms of transaction

Step 4

Complete transaction after confirmation

• Who can invest in DCI?
  • Customers with risk level of R3 (inclusive)/conservative (inclusive) and above.
  • Customers must meet with dedicated personnel the first time for each currency.
• What are the potential risks of DCI?？
  • DCI product risk level is RR3
  • DCI can only be linked to foreign currencies and not NTD, so it involves risks from exchanging the principal into different currencies.
  • Volatility in the foreign exchange market is the main source of risk. When DCI matures, the conversation rate in the agreement is fixng with the fixing exchange rate to decide if the principal is converted into another currency according to the exchange rate.
• Is the principal invested in DCI guaranteed?？
  • The principal of DCI is not guaranteed, the minimum guaranteed principal is 0% for professional investors and 70% for retail customers.

• This is a complex financial product that must be explained by designated personnel before investment. Please do not invest in this product if you do not fully understand it.
• This product is not a deposit but an investment, which will not be protected by deposit insurances.
• The customer shall read the product’s prospectus and risk disclosure statement carefully before investment, and shall make informed judgments and be solely responsible for the losses and gains.
• Customers must bear the market risk and foreign exchange risk of this product and the credit risk of the bank. The maximum possible loss is the entirety of investment principal.
• The customer shall not sign or affix his/her seal to any related documents, including product prospectus, agreements, and terms and conditions, before fully understanding their details.
• Early termination by the customer may result in the amount available for withdrawal being lower than the principal.
• Professional customers are not protected by the Financial Consumer Protection Act.
• If the investment amount accounts for a relatively high percentage of transactions with a customer, the customer may sustain severe losses due to its investment position being too concentrated.
• A free-look period is not required for this product.

• Risk of underlying asset(s): Volatility in the foreign exchange market is the main source of risk. If trends in the target exchange rate do not meet expectations, the customer will bear risks from exchange between different currencies, so the principal is not guaranteed. The minimum guaranteed principal is 0% for professional investors and 70% for general customers.
• Risk of early termination: If the customer actively terminates a transaction before the maturity date, then it is possible that the principal will not be guaranteed, and the minimum guaranteed principal is 0%. Important risk reminder: "If you apply for early termination before product maturity, it may result in the amount available for withdrawal being lower than the original investment amount (in the worst case, the amount available for withdrawal may be zero), or you might not be able to terminate it early at all."
• Description of other risks: (1) Changes in interest rate, exchange rate, market price of negotiable securities, liquidity, government, taxes, law, and reinvestment; (2) Changes in the Bank's credit or financial position; (3) Other important matters sufficient to affect investor's judgment may directly cause losses to the principal of structured products.