OCBC WING HANG BUSINESS ebanking SERVICES

OCBC WING HANG BUSINESS ebanking SERVICES USER GUIDE 1

Table of Content 1) Introduction... 4 2) The Service... 5 2.1 System Requirement...5 2.2 Service Scopes and Features... 6-8 2.3 Type of Users... 9 2.4 Approval Matrix... 9 2.5 Daily Transaction Limits...10 2.6 Service Hours... 11-12 3) First Login... 13 3.1 Acknowledgement of User ID and ersonal Identification Number (IN)...13 3.2 Change of your Initial User ID and IN...13 4) rimary User... 14 4.1 Overview... 14 4.2 Company Administrations and Enquiry... 15 4.3 User Administration and Enquiry... 16 4.3.1 Review and Approval of the rofile Setting of New Secondary User... 16 4.3.2 User Details... 17 4.3.3 Nominated Account Transfer (NACT) List... 17 4.3.4 HK-Macau Instant Remittance List... 18 4.3.5 Account List... 18 4.3.6 Service List... 18 4.4 Company Record Enquiry... 19 5) Secondary User... 20 5.1 Overview... 20 5.2 Account Services... 21 5.2.1 Transaction Status... 21 5.2.2 Account Enquiry... 22 5.2.3 Transaction History Enquiry... 22 5.2.4 Fund Transfer... 23 5.2.5 Foreign Currency & Gold Buy / Sell Order... 24 5.2.6 Time Deposit... 25 5.2.7 eayment... 26 5.2.8 Electronic Bill resentment & ayment Service... 26 2

5.2.9 Rate Enquiry... 27 5.2.10 Cheque Services... 27 5.2.11 Online Requisition... 27 5.2.12 Account Opening... 28 5.3 estatement & eadvice... 29 5.4 Remittance Services... 30 5.5 ayroll Services... 31 5.5.1 Create Template and Submit ayroll... 32 5.6 Trade Services... 33 5.6.1 Bills Account Enquiry... 33 5.6.2 Letter of Credit Application and Amendment... 33 5.7 Investment... 34 5.7.1 Investment Summry... 34 5.7.2 Securities... 34 5.8 FX Margin Trading... 35 5.8.1 Account Enquiry... 35 5.8.2 Transaction Enquiry... 36 5.8.3 Fund Transfer... 37 5.9 Other Services... 38 5.10 Security Tips... 38 5.10.1 Software Installation... 38 5.10.2 Change USB Security Token assword... 39 5.10.3 Change USB Security Token Name... 40 5.10.4 View the content of Certificate... 41 5.10.5 Fund Transfer to Non-Registered Third arty Account...42 5.10.6 Remittance to Non-Registered Third arty Account... 43 5.10.7 Approval of High-Risk Transactions... 44 6) Security Tips... 45-46 This document is provided by. It is intended to present a general guideline to facilitate the use of OCBC Wing Hang Business ebanking services. Whilst reasonable efforts have been made to ensure accuracy,, however, makes no representation or warranty, express, implied, or statutory with respect to, and assumes no responsibility for the accuracy, completeness, sufficiency or usefulness of the information contained therein. 3

1) Introduction Welcome for using OCBC Wing Hang Business ebanking services (the Services). The Services provide advanced and reliable ebanking solution and selected privileges breaking through time and geographical boundaries and let you manage company finance in a flexible way. Besides general account services, we specially offer superior services and privileges including: 1. D/C application and amendment 2. Dual Approval of transaction securing company assets 3. User rofiles Maintenance to preset accessing rights for appointed staff 4. Handling fee wavier for payroll service This user guide introduces the features and the usage of the Services. For assistance, please contact your account opening branch or our customer service hotline at 3199 9188 during office hours. Note: lease refer to the latest version of the user guide for Business ebanking services through our website www.ocbcwhhk.com. 4

2) The Service 2.1 System Requirement Hardware Requirement A personal computer with: Intel entium 4 CU or higher 512 MB or more main memory (RAM) 56kbps modem or broadband connection to Internet but broadband is recommended SVGA Monitor Software Requirement Windows or Mac OS X operating system Internet Explorer 7.0, Mozilla Firefox 3.6.3, Safari 5.0.5, Chrome 12.0.742.91, Opera 11.11 or higher, it must support TLS encryption with Java Script, Cookies enabled Java Runtime Environment is required for using ecertificate Service (free download at http://www.java.com) Recommended Resolution for Screen Display 800 x 600 pixels, 256 colour 5

2.2 Service Scopes and Features The Services provide a comprehensive range of financial management features including bank account management, cash management and trading services; facilitating you to manage your company finance online anytime, anywhere. Services Enquiry Execute Instantly Execution Mode Forward Date Template* Account Balance Enquiry and Transaction History Enquiry (up to 60 days history for Current, assbook Savings and Statement Savings accounts) Fund Transfer Internal Transfer Nominated Account Transfer (NACT) (re-set required) Credit Card ayment Non-registered 3rd arty Account Transfer (Only applicable to Foreign Business Account Customer who has applied ecertificate Service) Foreign Currency & Gold Buy / Sell Order Enquiry Setup an order Revoke an order Time Deposit Confirmation Enquiry lacement Renewal Withdrawal Change of Maturity Instruction eayment (Bill ayment Services) Electronic Bill resentment & ayment Service View ebill & ereceipt Request ebill ay Bill Make Donation Enquire Merchant on ebill Registration History * Template function allows you to retrieve a saved record for future use. 6

2.2 Service Scopes and Features (con t) Services Enquiry Execute Instantly Execution Mode Forward Date Template* Rate Enquiry HKD Deposit Rate Foreign Currency Deposit Rate Foreign Currency Exchange Rate Gold rice Cheque Services Cheque Status Enquiry Stop Cheque ayment Online Requisition Cheque Book Request Statement Request Remittance Telegraphic Transfer (re-set required) CHATS (re-set required) HK - Macau Instant Remittance (re-set required) ayroll (re-set required) Trade Services Credit Limit Utilization Enquiry Inward Bills Transaction Enquiry Outward Bills Transaction Enquiry Letter of Credit Application (online register) Letter of Credit Amendment (online register) Securities Trading Foreign Exchange Margin Trading Transaction Enquiry Margin Deposit / Withdrawal * Template function allows you to retrieve a saved record for future use. 7

2.2 Service Scopes and Features (con t) Services Enquiry Execution Mode Execute Instantly Forward Date Template* Account Opening - Statement Savings Account and Time Deposit Account estatement & eadvice Other Services Change of User ID Change of IN * Template function allows you to retrieve a saved record for future use. 8

2.3 Type of Users Under the Services, there are two types of user: rimary User and Secondary User. RIMARY USER rimary User plays the role as an administrator of the Services to manage and alter the setting of Company and Secondary User s authority. You may assign up to 2 rimary Users to manage the Services and Secondary User(s) profile settings. rimary User can: inquire company profile including approval matrix and instruction list; suspend particular banking service and reduce daily transaction limit for the Company; administrate Secondary User(s); inquire Company and User administration history. SECONDARY USER Secondary User is the one who submits instruction through the Services on behalf of the Company. You may assign up to 99 Secondary Users to meet for the needs of the Company. Secondary User can: inquire account balance and transaction history as well as latest rate quotation; perform transactions according to their user authority assigned; approve the instruction according to the approval matrix setting. 2.4 Approval Matrix You may assign Secondary User(s) into 3 predetermined Approval Group namely A, B and C according to your human resource arrangement needs. Through the setting, transaction could be performed by the approval of ONE or TWO approvers depending on the transaction amount. 9

2.5 Daily Transaction Limits To secure the Company s assets, a rimary User may reduce the daily transaction limit of a particular service by accessing the Administrator Management through the Services or by submitting the Business ebanking Services Company rofile Alteration Request Form to the Bank for arrangement. For each of these services, customer should consider the risk associated with these transactions and set your daily transaction limit to fulfill your business need. Services Internal Fund Transfer Maximum Daily Transaction Limit (HKD Equivalent) $50,000,000 # Transfer to re-registered Account eayment and ebill resentment & ayment Service ayroll Services NACT Telegraphic Transfer / HK-Macau Instant Remittance CHATS eayment Total Limit Sub-limit for payment to rimary or Secondary Education, ost-secondary or Specialised Education, Government or Statutory Organization, ublic Utility Sub-limit for payment to other merchants@ $3,000,000 $10,000,000 $10,000,000 $10,000,000 $100,000* $100,000* $50,000* Transfer to Non-registered Third arty Account (including OCBC Wing Hang and Other Bank Account Transfer, Telegraphic Transfer, CHATS and HK- Macau Instant Remittance) $2,000,000 (Only applicable to Foreign Business Account Customer who has applied ecertificate Service) # Transaction limit for foreign currency exchange is HK$1,000,000 or equivalent. The calculation for equivalent HKD is based on the average exchange rate of withdrawal currency during the previous month. * Daily Total Transaction Limit is shared among all payment types. @Bill payment to these merchants require pre-registering Bill Template(s) in advance. The Bank will send a SMS notification to customer upon successful payment. Note: If you would like to increase the reduced limit(s), please submit a Business ebanking Services Company rofile Alteration Request Form to any of our branches. 10

2.6 Service Hours Service Type General Banking Services Account Enquiry Fund Transfer Service Hours Bank Value Date (Same day value for submission before the below stated schedule) Credit Card ayment Nominated Account Transfer NACT within WHB 24 hours 20:00 Rate Enquiry Online Requisition Nominated Account Transfer NACT to other banks^ Nominated Account Transfer NACT from other banks^ 24 hours Mon - Fri: 14:30 24 hours Mon Fri: 20:00 eayment^ ayment or donation via Electronic Bill resentment & ayment Service Time Deposit 24 hours 24 hours Mon - Fri: 17:00 Mon - Fri: 12:30 Confirmation Enquiry lacement, Renewal, Withdrawal, Change of Maturity Instruction Stop Cheque ayment Foreign Exchange Gold Trading Overnight lus Deposit Account Services 24 hours 20:00 Mon - Fri: 9:00-20:00 20:00 Mon - Sat: 8:00-20:00 20:00 Mon - Fri: 9:00-2:30 / [3:30]* Sat: 9:00-13:00 # 20:00 Mon - Fri: 9:00-2:30 / [3:30]* 20:00 Mon - Fri: 9:00-16:00 16:00 Trade services L/C Application and Amendment 24 hours N/A Credit Limit Utilization Enquiry Mon - Fri: 9:00-18:00 Sat: 9:00-13:00 N/A * New York Winter Time #Service is not available if Saturday is also a Hong Kong public holiday. ^ Instruction submitted after cut-off time will be executed on the next business day excluding Saturday. 11

2.6 Service Hours (con t) ayroll Services^ Service Type Telegraph Transfer^ CHATS^ HK-Macau Instant Remittance Securities Trading Foreign Exchange Margin Trading (Margin Deposit / Withdrawal) Account Opening Statement Savings Account and Time Deposit Account estatement & eadvice Other Service Change of User ID & IN Service Hours 24 hours 24 hours 24 hours 24 hours Trading Day: 9:30 12:00; 13:00 16:00 re-set instruction: 18:00 9:15 (next trading day) Mon-Fri: 9:00-2:30/[3:30]* Sat: 9:00-13:00 # Mon to Sat: 9:00-20:00 (except Hong Kong public holiday) 24 hours 24 hours Bank Value Date (Same day value for submission before the below stated schedule) Mon Fri: 19:30 Sat: 13:00 (within OCBC Wing Hang) Renminbi: Mon - Fri 16:00 Other Currencies: Mon - Fri 16:30 Mon Fri: 15:00 Mon Fri: 20:00 Immediately (during Trading Hours) 9:15 (re-market Session) 16:00 20:00 Immediately 20:00 Immediately * New York Winter Time ^ Instruction submitted after cut-off time will be executed on the next business day excluding Saturday. 12

3) First Login This section illustrates the profile setting procedure of the Services. 3.1 Acknowledgement of User ID and ersonal Identification Number (IN) An Initial User ID and Initial IN will be sent to rimary User and Secondary User separately once your application is accepted by the Bank. For security reason, user should use a touch-tone phone to call 2815-1123 and press 7 after selecting language to activate the IN. 3.2 Change of your Initial User ID and IN After activating the Initial IN, you may login the Services through www.ocbcwhhk.com. For the first time login, you are required to change your Initial User ID and IN. Login Screen Change of Initial User ID and IN Notes: 1. If you have inputted incorrect IN for five times consecutively, the Services will be suspended by the system. 2. After changing your User ID and IN, Secondary User is required to contact rimary User for user profile setting. 3. If you do not change your IN within 60 days after the issuance of Initial IN, the Services will be suspended. 13

4) rimary User This section guides rimary User to manage the company administration via the Services. 4.1 Overview Once the login is successful, you may select the appropriate function in the navigation bar provided. 1 You may select the following categories: Administrator Management Other Services 2 You may select the services on the left hand side. For example, under Administrator Management, you may select: 3 You may select the subservices. For example, under Company Administration and Enquiry, you may select: Company Administration and Enquiry User Administration and Enquiry Company Record Enquiry Company rofile Enquiry Approval Matrix Enquiry Account List Maintenance Banking Service Maintenance Instruction Enquiry Update Account List 14

4.2 Company Administrations and Enquiry Company rofile Enquiry You may inquire profile details of the Company. Update Account List You may add or delete subsidiary accounts for ebanking services. Instruction Enquiry You may inquire the details of nominated account transfer instruction (NACT) and registered HK-Macau Instant Remittance. Banking Service Maintenance Account List Maintenance You may inquire and disable the account permission. You may inquire and suspend designated service of the company and reduce the daily transaction limit of the Services. Approval Matrix Enquiry You may inquire the Approval Matrix setting by different combination of Approval Group. Note: If you would like to reactivate the disable account(s) and service(s), or to increase the daily transaction limit, you are required to submit the Business ebanking Services Company rofile Alteration Request Form to the Bank for arrangement. 15

4.3 User Administration and Enquiry User Administration ending List You may approve the profile setting of new Secondary User. User Authorization and Enquiry You may: inquire the details of Secondary User, including the profile, last login time and status, instruction list, account list and service scope suspend the authority of Secondary User disable particular account and service permission of Secondary User 4.3.1 Review and Approval of the rofile Setting of New Secondary User 1 You may click the ending Transaction Number you would like to approve. 2 You should review or update (if necessary) the user profile for the new Secondary User, including permission of account and service list. (lease refer to 4.3.2 4.3.6) 3 You may approve or reject the profile setting of the Secondary User. 16

4.3.2 User Details User Details You may inquire the profile details or suspend the authority of particular Secondary User. 4.3.3 Nominated Account Transfer (NACT) List NACT List You may inquire the list of NACT of particular Secondary User. 17

4.3.4 HK-Macau Instant Remittance List HK-Macau Instant Remittance List You may inquire the list of HK-Macau Instant Remittance of particular Secondary User. 4.3.5 Account List Account List You may inquire or maintain the permission of registered account(s) of particular Secondary User. 4.3.6 Service List Service List You may inquire or suspend the permission of registered service(s) of particular Secondary User. Note: If you would like to reactivate the suspended account(s) or service(s) for specific Secondary User, please submit a Business ebanking Services User Alteration Request Form to any of our branches. 18

4.4 Company Record Enquiry User Activities History You may inquire user activities record within the last 30 days. Administration History You may inquire the administration record of the Company within the last 30 days. 19

5) Secondary User This section guides Secondary User to submit, review and approve transaction instruction via the Services. 5.1 Overview Once the login is successful, you may select the appropriate function in the navigation bar provided. 1 You may select the following categories: Account Services estatement & eadvice Remittance ayroll Services Trade Services Investment FX Margin Trading Other Services 2 You may select the services on the left hand side. For example, under Account Services, you may select: 3 You may select the sub-services here. For example, under Transaction Status Enquiry, you may select: ending Instruction Enquiry Transaction Status Forward Date Instruction Account Enquiry Message Box Fund Transfer Foreign Currency & Gold Buy / Sell Order Time Deposit eayment ebill resentment & ayment Service Rate Enquiry Cheque Services Online Requisition Account Opening 20

5.2 Account Services Account Services cover a range of general banking services related to your accounts. You may check your account balance and history, conduct fund transfer, place time deposit or pay bills, etc. 5.2.1 Transaction Status You may inquire the current status of submitted instructions and the execution status of the Forward Date Instructions. ending Instruction Enquiry You may inquire or amend the current status of ending for Approval Request. Message Box You may inquire: result message of submitted Remittance requests rejected message of D/C Applications Forward Date Instruction You may inquire or cancel the current status of Forward Date Instructions. 21

5.2.2 Account Enquiry You may view the latest account balance and available balance for all registered accounts. You may inquire the account details, e.g. Account Balance, Transaction History, etc, through the account hyperlink. 5.2.3 Transaction History Enquiry You may view the transaction records of registered assbook Savings accounts, Statement Savings accounts, Current accounts and Credit Card accounts. For assbook Savings, Statement Savings and Current accounts, you may inquire transaction history up to last 60 days. For Credit Card accounts, you can inquire the last statement transaction and unbilled transaction record(s). lease select the transaction period you would like to inquire and then press roceed. Tips For enquiry of the transaction(s) made by today, please select Today Activities 22

5.2.4 Fund Transfer You may transfer fund: between internal accounts; between registered OCBC Wing Hang and/or other local bank accounts; to OCBC Wing Hang Credit Card accounts. Besides, you may also setup a Forward Date Instruction to execute the instruction up to 45 calendar days. Fund Transfer You may transfer fund between your internal accounts. Card ayment You may settle your registered OCBC Wing Hang Card payment. Registered Third arty Fund Transfer You may transfer fund to preregistered OCBC Wing Hang and/ or other local bank accounts, or collect fund from other local bank accounts. 23

5.2.5 Foreign Currency & Gold Buy / Sell Order You may place, inquire and cancel a buy / sell order for Foreign Currency or Gold trading in advance. Setup Order You may place a Foreign Currency & Gold buy / sell order in advance. Outstanding Order Enquiry You may inquire and cancel the outstanding order you have placed. The minimum transaction requirement for placing the Foreign Currency & Gold buy / sell order is listed as below: Debited Currency / Gold HKD GB / EURO USD / CAD / AUD / CHF / NZD / SGD DKK / NOK / SEK THB JY 99 Gold* Gold Maple Leaf / Ounce Gold* Minimum Withdrawal Amount (In Original Currency) 50,000 5,000 10,000 50,000 200,000 1,000,000 5 Taels 5 Ounces Increment in Multiple of 5,000 500 1,000 5,000 20,000 100,000 1 Tael 1 Ounce * The minimum withdrawal amount of 99G & Gold Maple Leaf/Ounce Gold is calculated in the corresponding type of Gold. Notes: 1. The buy / sell rate must be within +/- 5% of the prevailing rate. 2. Once the order has been acknowledged by the Bank, the amount of currency / quantity of gold to be sold will be withheld from the relevant account until such order has been executed by the Bank or cancelled by you. 3. Orders will only be executed from Monday to Friday during the service hours and when the Bank s rate quotation for such currency / gold is available at the time. 4. The exchange rate and gold price stored must be in multiple of 0.001 and 5 respectively, except GB which is in 0.005 and JY which is in 0.0001. 5. Once the order has been executed, it can neither be cancelled nor varied. 24

5.2.6 Time Deposit You may inquire, place, renew and withdraw a time deposit confirmation if you have already opened a time deposit account and registered to the Services. Also, you may change the Time Deposit Maturity Instruction (TDMI) before the maturity date. Setup New Time Deposit You may place a new time deposit confirmation. Time Deposit Summary You may: inquire the details of time deposit confirmation renew or withdraw time deposit confirmation change TDMI You may renew or withdraw the time deposit upon maturity by clicking the hyperlink. You may change the TDMI by clicking the hyperlink. Note: No TDMI can be altered on the maturity date and for all pledged time deposit confirmations. 25

5.2.7 eayment You may pay bills to more than 600 major merchants, including Government and Utilities, free of charge. Besides, through the Forward Date Instruction, you can even make your payment within 45 calendar days. Make New Bill ayment You may select merchant and make a new bill payment. Bill List You may: view or delete previous payment records pay the bill without re-entering the bill number 5.2.8 Electronic Bill resentment & ayment Service You may view ebill summary issued by merchants and make payment or donation. lease note that payment or donation service require applying eayment Service in advance. View ebill & ereceipt You may enquire enrolled ebill, eayment receipt and edonation receipt issued within 3 months. Request ebill You may request to enroll for the Electronic Bill resentment and ayment Service to access ebill issued by merchants. ay Bill You may select merchant and make bill payment. Make Donation You may select Charitable Body and make donation. Enquire Merchant on ebill Registration History You may enquire merchant on ebill registration history. This service is only applicable to bill owner whose ebill have been enrolled for not more than 5 times through the Bank or other banks. Note: 1. ayment to non-registered bills (except rimary or Secondary Education, ost-secondary or Specialised Education, Government or Statutory Organisation and ublic Utility category) requires pre-registering Bill Template via branch in advance. 2. The Bank will send a SMS notification to your pre-registered mobile phone number (if any) upon successful payment (except rimary or Secondary Education, ost-secondary or Specialised Education, Government or Statutory Organisation and ublic Utility category). 3. You are advised to conduct regular review and delete unnecessary Bill Template via Internet Banking. A Bill Template will be deleted automatically if no payment was conducted for more than 12 months, or the merchant has ceased to be an eayment merchant or terminated that bill type. 26

5.2.9 Rate Enquiry You may inquire the prevailing HKD deposit rates, foreign currency deposit rates and exchange rates, and gold prices. 5.2.10 Cheque Services You may inquire cheque status and stop the cheque payment. Note: Handling charge will be levied for each stop cheque payment instruction executed. lease refer to the latest version of OCBC Wing Hang Service Charge for details. 5.2.11 Online Requisition You may request up to 5 cheque books of your current account accounts through this function. Cheque Book You may request a bearer type cheque book for HKD current account and an order type cheque book for USD current account. The cheque will be either: sent to your correspondence address by registered mail; Or collected at designated branch by nominated person. Note: Handling fee and postage will be levied on cheque book collection by registered mail. 27

5.2.12 Account Opening This function allows you to open Statement Savings Account and Time Deposit Account through Internet Banking. Statement Account You may open Statement Savings Account of various currencies. Time Deposit Account You may open Time Deposit Account of various currencies. 28

5.3 estatement & eadvice You may view, print and download account statements and advices via Internet Banking. View estatement You may view your estatement of past 12 months. View eadvice You may view your eadvice of recent 3 months. 29

5.4 Remittance Services Convenient Remittance can be made via three channels: Telegraphic Transfer (TT), CHATS and HK-Macau Instant Remittance, of the Services. You may make TT, CHATS or HK-Macau Instant Remittance by using a pre-registered template more efficiently. 1 Select Remittance service You should choose the means of remittance first. 2 Registered Telegraphic Transfer, CHATS or HK-Macau Instant Remittance You may use the pre-registered template to place your remittance instruction. 30

5.5 ayroll Services ayroll Services help you to manage the payroll transactions which save transportation time and manpower for submitting the paper or disk instruction. You may operate the pre-registered beneficiary list and payroll template more efficiently. Beneficiary List For ayroll service, you are required to register the beneficiary account in advance by submitting a Business ebanking Services - Beneficiary Registration / Alteration Request Form to any of our branches. Submit ayroll Instruction You may submit the payroll instruction by using a designated template. Maintain ayroll Template You may create the payroll template by selecting different beneficiary from the Beneficiary List. Tips You may save an existing template as a new template for future amendment. Notes: 1. Only HKD savings, statement and current account are accepted as beneficiary account. 2. The cut-off time for submit ayroll instruction is 7:30pm Monday Friday and 13:00 on Saturday (credit to OCBC Wing Hang Account) 3. If the beneficiary account is a OCBC Wing Hang account, the beneficiary will receive the fund on next business day. Otherwise, the time for the funds to be credited to the beneficiary s account will depend on the procedures of the payee bank. Normally, it will be credited to the account on the next business days (excluding Saturday) for processing. 31

5.5.1 Create Template and Submit ayroll 1 Create New Template You may create a new template by selecting the beneficiary from the beneficiary list. Name the template and then save. 2 Select Template You may select an appropriate template in Submit ayroll Instruction. 3 Submit Template Select the debit account after reviewing the template, and click submit 32

5.6 Trade Services Trade Services help you to speed up the processing time for Letter of Credit (D/C) Application as well as to inquire credit limit and trade account status. 5.6.1 Bills Account Enquiry Inward / Outward Bills Transaction Enquiry You may inquire the details of the Inward Bills and Outward Bills transaction. Credit Line Utilization You may inquire the credit limit of your Bills accounts. 5.6.2 Letter of Credit Application and Amendment DC Application Template / Amendment Template You may create D/C application template and D/C amendment template through new template function. DC Application / DC Application Amendment You may submit D/C application and/or amendment directly. Note: An acknowledgement number will be generated for your reference. In case of rejection, we will contact you directly and a message will be posted at Message Box for notification. 33

5.7 Investment 5.7.1 Investment Summry This page shows the summary of your Investment account. 5.7.2 Securities Securities services allow you to trade all securities and warrants listed on the Hong Kong Exchange and Clearing Limited. Order Status You may inquire the status of the orders placed. Securities ortfolio You may inquire the portfolio of your Securities Account. Stock & Market Information Buy You may place buy orders for securities trading. Sell You may place sell orders for securities trading. It provides real time and delayed stock price enquiry. Transaction History You may inquire securities transaction history up to last 60 days. 34

5.8 FX Margin Trading FX Margin Trading function allows you to inquire outstanding and squared contract, check transaction history and manage the balance of your FX Margin account through Internet Banking. 5.8.1 Account Enquiry You may check the account balance and transaction history through the Account Details and Transaction History functions. Select the FX Margin Trading account to inquire the balance. You can choose the time range and currency to check the transaction history. 35

5.8.2 Transaction Enquiry You can inquire the outstanding and squared contract in your FX Margin Trading account through the Transaction Enquiry function. Outstanding FX Transaction You may inquire any outstanding FX contracts in your FX Margin Trading account. Select the account you would like to inquire for outstanding contract. Squared FX Transaction You may inquire any squared FX contracts in your FX Margin Trading account. Select the account you would like to inquire for squared contract. 36

5.8.3 Fund Transfer This function allows you to manage the balance of your FX Margin Trading account. Margin Deposit You may deposit amount to your FX Margin Trading account. Fill in the information and press Submit to finish the instruction. Margin Withdrawal You may withdraw margin deposit from your FX Margin Trading account. Currency Transfer You may transfer fund from one currency to another under the same FX Margin Trading account, for example, to settle the interest payment for particular currency. 37

5.9 Other Services You may change your User ID and IN through Other Services. lease use 8 to 20 alphanumeric as your new User ID and 8 characters with combination of letters and numbers as your new IN. 5.10 ecertificate Service and High-Risk Transactions Business ebanking customers can apply ecertificate service for each designated user in order to conduct the following highrisk transactions: Fund Transfer to Non-registered Third arty Account (including OCBC Wing Hang and Other Bank Account) Telegraphic Transfer, CHATS or HK-Macau Instant Remittance to Non-registered Third arty Account Each ecertificate user will be issued with a USB Security Token and password. To perform the high-risk transactions using ecertificate, your computer is required to install Windows X or above version with the latest Java Runtime Environment (free download at http://www.java.com). 5.10.1 Software Installation ecertificate user must install eass3003 software in order to use the USB Security Token. 1 lug the USB Security Token into computer, then click Run autorun. exe to install the program. In case the program does not run automatically, open the drive of USB Security Token and execute eass3003.exe. 2 After the installation, the EnterSafe will be displayed in All rograms list. 38

5.10.2 Change USB Security Token assword ecertificate user may change the password of USB Security Token by the following steps. 1 In Start Menu, open All rograms > EnterSafe > eass3003 Token Manager 2 Click Change User IN. 3 Enter the Old and New User IN, then click OK. Notes: The Token will be locked in case wrong password has been entered more than 6 times. The minimum length of the password is 8 characters that consists of letters and numbers. The maximum length of the password is 16 characters that consists of letters and numbers. Case letters can be used to enhance security. 39

5.10.3 Change USB Security Token Name ecertificate user may change the name of USB Security Token by the following steps. 1 In Start Menu, open All rograms > EnterSafe > eass3003 Token Manager 2 Click Change Token Name. 3 Enter the new name, then click OK. 40

5.10.4 View the content of Certificate ecertificate user may check the certificate information by the following steps. 1 In Start Menu, open All rograms > EnterSafe > eass3003 Token Manager 2 Click Login and input User IN. 3 Select the certificate and click Certificate View to check the certificate information. 41

5.10.5 Fund Transfer to Non-Registered Third arty Account ecertificate users can transfer fund to non-registered third party account, including OCBC Wing Hang and Other Bank Account. 1 Input the transaction details of Fund Transfer, then plug the USB Security Token into computer and submit the transaction. 2 When the User Authentication pops up, enter the USB Security Token password and confirm to proceed. 42

5.10.6 Remittance to Non-Registered Third arty Account ecertificate users can make Telegraphic Transfer(TT), CHATS and HK-Macau Instant Remittance to non-registered third party account. 1 Input the transaction details of Remittance, then plug the USB Security Token into computer and submit the transaction. 2 When the User Authentication pops up, enter the USB Security Token password and confirm to proceed. 43

5.10.7 Approval of High-Risk Transactions ecertificate users can approve the request of high-risk transactions. 1 Click the ending Transaction Number you would like to approve. 2 After review of transaction details, plug the USB Security Token into computer and click Approve. 3 When the User Authentication pops up, enter the USB Security Token password and confirm to proceed. 44

6) Security Tips Despite the enormous efforts taken by the Bank, you are playing an important role to ensure the security of your system. The following security tips are highly recommended: 1. Keep your User ID and IN well to prevent them to be stolen. 2. For maximum protection, always exit the Services by using logout button. 3. Ensure nobody is watching you while input your User ID, IN or any other sensitive personal information. 4. Change your User ID and IN periodically. For example every 30 or 60 days. 5. Memorize your IN and do not write it down. 6. Do not keep any written record of the User ID and IN near the computer. 7. Change your IN and check the security advice through our website (http://www.ocbcwhhk.com) from time to time. 8. Check your last login record every time you use Internet Banking Service. 9. Regularly check your account balances and statements. If any discrepancies or suspicious transactions found, report to the Bank without delay. 10. If you suspect a website that is not owned by the Bank, please do not follow the instructions provided. Close the window at once and report to the Bank. 11. Always contact us immediately if you lose your User ID or IN, or suspect your Internet Bank account is stolen. 12. Logout the Services and clear browser cache after a banking session. 13. Do not disclose your User ID or IN to anyone including the Bank staff (it is not necessary for the Bank staff to know your IN). 14. Do NOT allow others to use your User ID and IN. 15. Do not write down or record the IN without disguising it. 16. Do not use your Hong Kong Identity Card number, telephone number, date of birth, ATM IN, hone Banking IN, etc. as your IN. 17. Use different User ID and IN for bank and credit card sites. Do NOT use the same User ID and IN of other website. 18. Do not access the Services by using personal computers, which are available for public access (e.g. Internet Cafe). 19. Do not install unlicensed software, which may contain bugs or viruses. 20. Never leave the Internet Banking service unattended after logging in. 21. Do not browser other website by opening a new session, while you are using the Services. 22. Do not use Auto Complete function provided by Internet Explorer or other software to remember your User ID or IN. 23. Ensure the File & rint sharing is disable while online, especially connecting through broadband network. 24. Install anti-virus software in your personal computer and update the software regularly to ensure your personal computer has the latest protection device. 25. Install a personal firewall on your personal computer to help you prevent unauthorized access and update the firewall regularly to ensure you are covered with the latest protection. For selection of appropriate firewall, please contact your software provider. 26. Install security updates and patches to your personal computer or browser when they are made available. They are designed to provide you with protection from known possible security problems. 45

27. You may verify the correctness of the Bank s website by double-clicking the Lock icon at the bottom bar of the screen, where a server certificate issued by VeriSign will appear and the validity details of the certificate will be shown. You should also check if the domain name belongs to one of the followings: a. www.ocbcwhhk.com b. ebanking.ocbcwhhk.com 28. Do not open email attachment from unknown, suspicious or unreliable sources and delete it immediately. 29. Be aware of scam emails which may pretend to be sent from your trusted business partners and friends. They were designed to trap you into downloading a virus or visiting a fraudulent website and disclosing your sensitive information including your User ID and IN. 30. Do not send your User ID and IN or other sensitive personal or financial information via Email. The Bank always uses encrypted sites that are secure to receive the information. 46