Leverage on the edge of Hong Kong and the Mainland of China Enjoy borderless financial management and investment services

Transcription

1 Investment and Financial Management services in Hong Kong Leverage on the edge of Hong Kong and the Mainland of China Enjoy borderless financial management and investment services Investment and Financial Management in Hong Kong - Service Guide

2 Investment and Financial Management in Hong Kong Service Guide BOCHK, with sound experience and extensive network, offers you a diverse range of investment services and trading channels. Now you can capture every investment opportunity wherever you are. Useful Information Bank of China (Hong Kong) website Bank of China (Hong Kong) Mobile Banking website Personal Customer Hotline Investment Service Hotline (852) (852) A Diverse Range of Investment Services BOCHK provides you a diverse range of investment services including securities, debt securities, fund, foreign exchange, etc. empowering you to capture every investment opportunity. Securities Enjoy reliable and convenient local stocks trading service via our multiple transaction channels. Your trading instructions will be sent directly to AMS/3 of the Hong Kong Exchange & Clearing Limited for matching Free market information, Real-time Stock Quote ^ and other information services such as Streaming, Price Alert and Warrant Search are at your finger-tips Opt to receive confirmation of order status via free SMS or Protect the environment, enrolling in daily and monthly e-statements Enjoy comprehensive nominee services including stock custody, collection of dividends and bonus shares, and corporate actions handling (such as right issues) Enjoy the flexibility in purchasing securities with the amount of unsettled Sell Orders of local securities Other services include Securities Margin Trading Service, Monthly Stocks Savings Plan, IPO subscription (include financing service) and Share Financing service You can enjoy real-time stock quote and the market information through Internet Banking (After login, select Securities under Investment and click Stock Information ) ^ Customers can enjoy monthly limited free online Real-time Stock Quote Automated channels: Internet Banking, Mobile Banking and Investment Service Hotline (Automated Stock Trading Service) (Manned Stock Trading Service Hotline) providing trading services over the counter Account Opening Channels * Promotional Offer Enjoy preferential brokerage fee for trading stocks via Internet Banking or Automated Stock Trading Hotline * Margin account opening service is only applicable to branches with Investment Zone. Risk of Securities Trading: The prices of securities may fluctuate, sometimes dramatically. The price of securities may move up or down, and may become valueless. It is likely that losses will be incurred rather than profit made as a result of buying and selling securities.

3 Investment Funds A wide range of investment funds from well-known fund management companies are available, helping you grasp investment opportunities in various regions, business sectors and assets categories With a monthly contribution as low as HK$1,000, Monthly Funds Savings Plan provides the advantage of Dollar Cost Averaging, allowing you to benefit from the potential of growth Via (Investment services> Fund> Fund Information), you can easily access a range of useful information such as the latest market commentaries, fund performance and fund details Debt Securities Our one-stop comprehensive debt securities investment services include subscription of notes, bonds and certificates of deposit, trading in the secondary market, custody services, dividend collection and redemption at maturity with Investment Zone Account Opening Channels Promotional Offer Enjoy preferential subscription fee for subscription of investment funds with Investment Zone (Manned Service) Account Opening Channels Foreign Currency Trade a wide variety of currencies through our "Multi-Currency Savings Account" Take advantage of gaining foreign currency interest rates as well as appreciation in exchange rates opportunities when the market goes up FX Margin Trading Services (USD) allow you to invest worth up to 20 times of margin deposit amount (as low as 5% of the contract amount). A wide range of foreign currencies are available, so you can trade various types of foreign currencies to meet your investment goals and risk appetite. No matter how the selected currencies move, you are able to secure your profit and stop loss by position squaring Premium Deposit Series - Premium Deposits and Option Linked Deposits provide an opportunity to use currency option to earn a higher potential return according to personal investment preference and outlook on the relevant currency exchange price You can enquire about latest market news and forex rates through (Market Information > Foreign Currency Exchange Information) Personal Customer Hotline (Automated Service)* (Manned Service) All branches* Account Opening Channel All branches* * Margin account opening and placement of Premium Deposit Series services are only applicable to branches with Investment Zone. Personal Customer Hotline (Automated Service) and branches do not provide FX Margin trading services Simply set up an Investment Account to enjoy a diverse range of investment services. Act now! Login to BOCHK Internet Banking^ or visit our designated branches to open an Investment Account ^For details, please refer to Useful tips for BOCHK Internet Banking Risk of Investment Funds: Risks are involved in investing in funds and unit trusts. The prices of funds and unit trusts may fluctuate, sometimes dramatically. The price of funds and unit trusts may move up or down, and may become valueless. It is likely that losses will be incurred rather than profits made as a result of buying and selling funds and unit trusts. Past performance is not indicative of future performance. Customers should carefully read the offering documents for details before making any investment decision. Risk of debt securities trading: The prices of debt securities fluctuate, sometimes dramatically. The price of a debt security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling debt securities. Risk of Foreign Currency: Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into Hong Kong dollars or other foreign currencies. Risk of bullion and FX margin trading: The risk of loss in leveraged foreign exchange trading and precious metals trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent order, such as "stop-loss" or "stop-limit" orders, will not necessarily avoid losses or limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to make additional margin deposits or interest payments. If the required margin deposits or interest payments are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account and interest charged on your account. A demand for additional deposit is not a precondition to and does not in any way limit our right to liquidate your open positions according to the relevant terms and conditions. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives. Risk of Premium Deposits: Premium Deposit is a structured product involving derivatives. The investment decision is yours but you should not invest in the Financial Product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Premium Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The repayment of this Financial Product is not guaranteed by the Hong Kong SAR Government's Exchange Fund.

4 Latest Market Information Notional Precious Metals Trading The "Notional Precious Metals Passbook Account" provides a flexible way of investing in Hong Kong gold bullion of 0.99 fineness, Hong Kong gold bullion of fineness, London gold bullion, London silver and Zurich platinum All prices quoted for the sale and purchase of precious metals are based on the prices of precious metals quoted in Hong Kong and international markets, and are quoted in Hong Kong Dollars based on the prevailing foreign exchange rate quoted by the Bank All sale and purchase transactions will be recorded in a passbook and settled through the Settlement Account. Also, there will not be any physical delivery of precious metals and there is no need to worry about problems associated with delivery or custody Free of handling charges Provide Precious Metals Margin Trading Services, buy or sell gold bullion of 0.99 fineness, Kilo Gold Bar, London Gold and London Silver, with margin deposits as little as 5% - 8% of the contract amount. Margin deposits can be in various currencies and interest is paid on margin deposits. You can also pledge your time deposits as collateral to apply for a credit line in lieu of cash margin. Standing orders and physical delivery services are also available Provide notional precious metals prices services (Personal Customer Hotline: ) Personal Customer Hotline (Automated Service)* (Manned Service) providing notional precious metals trading services* Account Opening Channel with Investment Zone * Personal Customer Hotline (Automated Service) and branches do not provide Precious Metals Margin trading services BOCHK provides you the latest market information including Financial Market Briefing, Economic Research, Mainland Economic and Financial Information, Stock Information, Fund Information, Foreign Currency Exchange Information and Trading Rates, so you can keep your finger on the pulse of new investment opportunities. For details, please visit (Home>Market Information) Risk of notional precious metals passbook account: The market in precious metals is volatile and a loss may be incurred from transacting in precious metals. Precious metals do not bear interest. Your purchase of precious metals for the account does not represent a purchase of physical metals or a deposit of money. You will not have any interest in any precious metals owned or held by us or be entitled to physical delivery of precious metals. Although investment may bring about profit opportunities, each kind of investment tool comes with its own risks. Due to the fluctuating nature of the precious metals markets, the prices of precious metals may rise or fall beyond your expectations and your investment funds may increase or decrease in value as a result of selling and purchasing of precious metals. Before making any investment decision, you should assess your own willingness and ability to bear risks and are advised to seek advice from an independent financial advisor. Risk of bullion and FX margin trading: The risk of loss in leveraged foreign exchange trading and precious metals trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent order, such as "stop-loss" or "stop-limit" orders, will not necessarily avoid losses or limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to make additional margin deposits or interest payments. If the required margin deposits or interest payments are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account and interest charged on your account. A demand for additional deposit is not a precondition to and does not in any way limit our right to liquidate your open positions according to the relevant terms and conditions. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives.

5 Convenient Cash Management Services One-stop Integrated Account Services Through our global network, Bank of China (Hong Kong), Nanyang Commercial Bank and Chiyu Bank, we provide reliable and efficient remittance services to meet your personal needs. BOC Remittance Plus Simply by successfully submitting the HKD/USD remittance instruction before the cut-off time* on each business day, you can get your funds transferred on the same day to about 4,000 remittance points^ spanning ALL Provinces, Autonomous Regions, Municipalities in the Mainland of China and Macau. Also, you can take advantage of convenient same-day remittance to Hong Kong via the designated service points in Macau and the Mainland of China Online Remittance Upon successfully submitting the remittance instruction via Internet Banking before the cut-off time (Hong Kong Time 5:30p.m.)# on each business day, the instruction will be processed on the same day * Cut-off time for BOC Remittance Plus (except Saturdays and public holidays): Internet Banking - Hong Kong Time 4:30 pm; BOCHK branches - Hong Kong Time 4:00 pm ^ For details of the remittance points, please contact any branch of BOCHK or visit # Cut-off time of online remittance service for CNY, SGD or THB is Hong Kong Time 3:30 pm Remittance via Internet Banking Simply by registering Two-factor Authentication at any BOCHK branches in Hong Kong, you can use it to register any beneficiary accounts via Internet Banking to conduct Online Remittance or BOC Remittance Plus. For details, please visit Home>Personal Banking Remittance> Introduction BOC Wealth Express Cross-border convenience Bank of China (Hong Kong) and Bank of China Limited jointly introduce BOC Wealth Express Service. With the BOC Wealth Express Card, you can withdraw cash via ATMs and make purchases EPS terminals /CUP POS terminals in Hong Kong, the Mainland and overseas. You can also transfer funds between the designated accounts in Hong Kong and the Mainland under the BOC Wealth Express Card and check account balance via BOCHK Internet Banking. It is specially designed for you who travel frequently between Hong Kong and the Mainland of China ( the Mainland ) to enjoy hassle-free cross-border banking service. BOCHK s one-stop integrated account services (Wealth Management and i-free Integrated Account Service) provide you with comprehensive banking services including savings, investment, insurance and loans services. Moreover, you can enjoy our diverse range of financial management services including investment, remittance, foreign currency exchange, balance enquiry, transfer and bill payment services, etc. via Internet Banking, Mobile Banking and Phone Banking. You can manage your personal finance in Hong Kong anytime, anywhere. Wealth Management and i-free Integrated Account Service customers can enjoy Electronic Consolidated Monthly Statement, Free Maturity Alert for Fixed Deposits, Regular e-newsletter and attend seminars/events. Besides, you can enjoy the following banking service privileges: Preferential foreign currency exchange rate Online securities trading preferential brokerage fee Extra free online Real-time Stock Quote Funds subscription fee privileges More exclusive privileges are available! For details, please refer to the service guide of Wealth Management / i-free Integrated Account Service or visit our website Act now! Login to BOCHK Internet Banking^ or visit our designated branches to join Wealth Management or i-free Integrated Account Service ^For details, please refer to Useful tips for BOCHK Internet Banking

6 Other Banking Services Deposits Wide range of deposit services (e.g. HKD / foreign currency time deposit and savings account, etc.) helping you achieve your savings target with ease Insurance An array of comprehensive life insurance and general insurance services are available to meet your needs in different life stages including savings plan, whole life protection, retirement plan, medical protection, children education plan, family protection and travel insurance, etc. Important Notes: BOCHK is one of the agents of the above-mentioned insurance plans. This promotional material is for reference only. Please refer to policy provisions issued by insurers for the detailed terms, conditions and exclusions of insurance plans. Mortgage By capitalizing on our experience in mortgage services, our professional mortgage team can tailor make a lending solution that best meets your financial needs and goals BOC Credit Card BOC Credit Card presents you with exceptional services and exclusive privileges including cash advance, Cash Before Card, online bill payment, auto-pay or Octopus automatic add-value service, so you can live your life to the fullest. Take a fresh and new perspective towards life now Exclusive Privileges for Selected Customers You can enjoy the following exclusive banking privileges and product offers* : 1. Privileged securities preferential brokerage fee 2. Preferential subscription fee for subscribing open-ended funds via designated transaction channels 3. Preferential mortgage interest rate and cash rebate 4. Preferential interest rate upon placement of designated HKD or foreign currencies time deposit 5. Discount on designated safe deposit box annual fee 6. Specified merchant offers 7. Free enquiry service for Capital Investment Entrant Scheme * The above privileges are only applicable to customers who hold the Mainland of China s ID Card, China Passport, Hong Kong garrison ID, or two-way permit For enquiries, please contact us via our website, Personal Customer Hotline (852) or visit any of our branches. Terms and Conditions: The above products and services are bound by descriptions, terms and conditions of relevant products and services. For details of the relevant promotional offers and services, please refer to the relevant promotional materials or contact our staff. The above offers cannot be used in conjunction with other promotional offers. This Service Guide is for information only and does not constitute a solicitation, recommendation or offer to buy or sell any investment products. This Service Guide is intended to be distributed in Hong Kong only, it shall not be construed as an offer to sell or solicitation to buy or provision of any banking, investments and insurance products. The above promotional offers are bound by relevant terms and conditions. BOCHK reserves the right to amend or withhold the above promotional offers and their related terms at its discretion without prior notice. In case of any disputes, the decision of BOCHK shall be final. In case of any discrepancies between the Chinese and English versions of this Service Guide, the Chinese version shall prevail.