What is Cash Management?
Cash Management is a service that allows eligible clients to earn interest each day on available cash balances in their accounts.
Which accounts are eligible for cash management?
Cash management is applicable to accounts with the USD available cash balance exceeding USD 10,000.
| Currency | Tier | Annual Rate |
| USD | 0≤10,000 | 0% |
| >10,000 | 1.25% | |
| HKD | 0≤78,000 | 0% |
| >78,000 | 0% |
How is the interest on cash management calculated?
Daily Interest = Daily Interest-bearing Amount * Daily Interest Rate. The Daily Interest-bearing Amount refers to the portion of the account's available cash exceeds USD 10,000 after daily settlement.
Example: After the daily settlement is completed, if the account has USD 20,000 in available cash, the interest-bearing amount for the day will be USD 10,000.
When interest is paid？
The monthly interest will be paid early next month.
Other Terms and Conditions:
• Disclaimer: The Cash Management program is organized by Fiduciary Securities Limited. It should not and does not constitute an offer, solicitation, invitation, or recommendation for buying or selling of investment products or as the basis for making any investment decision, nor does it constitute professional advice. Persons who read this document should, before making any investment decision, understand the risks and the relevant laws, tax and accounting principles and consequences, and whether such persons can bear such relevant risks, and if necessary, should seek professional advice.
• The tiers on which interest rates are based and rates are subject to change without prior notification.
• In case of any dispute,the organizer, Fiduciary Securities Limited, reserves the right of final decision.
• In the case of discrepancy between the English and Chinese version of these terms and conditions, the English version shall prevail.
Effective on December 15, 2025