APIB Gold Membership is not an investment product. The contents herein cannot disclose all the risks and significant aspects of the APIB Gold Membership. This document does not purport to contain all the information that you may need to evaluate whether you should join the APIB Gold Membership. The contents herein are intended to provide background information of the APIB Gold Membership only. It does not amount to recommendation, solicitation, offer or invitation, either expressly or by implication, to join the APIB Gold Membership. You are advised not to rely solely on the contents herein and to make your own evaluation to assess the merits and risks of joining the APIB Gold Membership. In considering whether to join the APIB Gold Membership, you are advised to consult professional advisers before deciding to join the APIB Gold Membership. The APIB Gold Membership is subject to applicable terms and conditions. You are advised to request all the applicable terms and conditions from your relationship manager, officer or representatives of APIB and shall read, understand and agree with all the applicable terms and conditions before joining the APIB Gold Membership. If you do not agree with any provisions of the applicable terms and conditions, you shall not proceed to join the APIB Gold Membership. All pictures shown in this document are for illustration purpose only and shall not be deemed as the actual item(s) to be given out to you under the applicable terms and conditions. Further, all benefits mentioned in this document may be withdrawn, suspended or changed from time to time at the sole and absolute discretion of APIB.