Important Information

This document is a marketing communication provided for information purposes and does not constitute investment advice or a recommendation It is not intended for distribution in or into the United States of America nor directly or indirectly to any U.S. person.

Financial Promotion

This document is a marketing communication provided for information purposes and does not constitute investment advice or a recommendation.

Spot Foreign Exchange (FX)

Spot FX is an agreement between two parties to buy one currency against another currency at an agreed price for settlement on the spot date. The exchange rate at which the transaction is done is called the spot exchange rate.


Because the prices and characteristics of transactions are individually negotiated and there is no central source for obtaining prices from competing dealers, there can be inefficiencies in transaction pricing.  SG Kleinwort Hambros Bank Limited makes no representation or warranty that prices will always be the best prices available to you.  SG Kleinwort Hambros Bank Limited may make a profit from a transaction with you no matter what result the transaction has from your point of view.


This document is confidential. It may not be communicated or notified to any third party (with the exception of external advisers on the condition they themselves respect this confidentiality undertaking) and may not be copied in whole or in part, without the prior written consent of the relevant member of the SG Kleinwort Hambros Bank Limited.

Investment Performance

Investments may be subject to market fluctuations and the price and value of investments and the income derived from them can go down as well as up.  Your capital may be at risk and you may not get back the amount you invest. Changes in inflation, interest rates and the rate of exchange may have an adverse effect on the value, price and income of investments.


If you do not wish to receive this document in the future, please let your private banker know or call us on +44 (0) 207 597 3000. Telephone calls may be recorded.

Legal and Regulatory Information

This document is issued by SG Kleinwort Hambros Bank Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the UK. The company is incorporated in England & Wales under number 964058 with registered office at One Bank Street, Canary Wharf, London E14 4SG. Services provided by non-UK branches of SG Kleinwort Hambros Bank Limited will be subject to the applicable local regulatory regime, which will differ in some or all respects from that of the UK. Please see the Information Documents on our website for further information:

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