At maturity, customers will receive interest and option fees on time deposits, but they will also face foreign exchange rate risks.

If the customer has one of the following circumstances, consider handling this business:

1. When the customer expects the exchange rate trend of a certain currency to be favorable to the customer;

2. Or customers need both base currency and alternative currency;

3. Or the customer accepts the alternative currency at the agreed exchange rate at maturity;

4. Based on the risk characteristics of any investment product, before deciding to buy or sell, customers should first understand the risk of the transaction and consider the individual's risk tolerance and expected income.

The above contents are for reference only, and the specific business types and processes are subject to the relevant regulations of the local branch of Bank of China.