Dual Currency Investment are an investment instrument combining “time deposits in foreign currency” and “foreign exchange options”. In other words, while undertaking a foreign currency time deposit, you are also selling a foreign exchange option. Further to the interest income from the foreign currency time deposit, this instrument allows investors to earn premiums from options. Investors may determine the terms and conditions and the total rate of return of this instrument in accordance with individual investment needs, the attitude towards foreign exchange rates and inclination to risks. If the foreign currency in time deposit does not appreciate to your preset conversion rate stated in the option on fixing date, investors will receive the principal and interest amount in deposit currency. If the reverse is true whereby the foreign exchange rate appreciates higher than the preset level, the Bank will convert the principal and interest amounts into the linked currency at the preset conversion rate at the maturity and deposit the money to your designated account. Therefore, the Bank will consider the foreign exchange rate of specific foreign currency on fixing date to determine which currency for your principal and total return.