Investment Choices BOCI-Prudential has established 16 different constituent funds to suit members different investment needs and risk tolerance levels

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1 Important Information General You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek independent financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances. You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy (as defined in section.1a headed MPF Default Investment Strategy in the principal brochure of BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme (the Scheme )). You should note that the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the MPF Default Investment Strategy is suitable for you, and make the investment decision most suitable for you taking into account your circumstances. You should note that the implementation of the MPF Default Investment Strategy may have an impact on your MPF investments and benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected. Fees and charges of a MPF conservative fund can be deducted from either (i) the assets of the fund or (ii) members account by way of unit deduction. The BOC-Prudential MPF Conservative Fund uses method (i) and, therefore, unit prices/nav/fund performance quoted have incorporated the impact of fees and charges. You should not solely rely on the stand-alone marketing material to make any investment decision. Please refer to the principal brochure of the Scheme for further details (including risk factors, fees and charges, and fund information). Investment involves risks. Prices of units of the constituent funds may go down as well as up. The past performance information is not indicative of future performance. Important Information Withdrawal of Accrued Benefits by Instalments If you have attained (i) the normal retirement age of 65 or (ii) the early retirement age of 60 and certify to the Trustee by statutory declaration that you have permanently ceased your employment or self-employment, you may choose to withdraw accrued benefits by way of instalments by specifying the exact instalment amount from 1st February In respect of your application for withdrawal of accrued benefits by instalments, the Trustee will not charge any fee for payment of the first four (4) instalments in each calendar year and payment of the final instalment for all remaining and payable accrued benefits under the Scheme. Other than such circumstances, the Trustee will charge a handling fee of HK$100 per withdrawal of accrued benefits by instalments as specified in Table (E) of principal brochure section 7.1, and such fee will be deducted from your withdrawal amount. You may download the relevant forms for withdrawal of accrued benefits by instalments from the Trustee s website You may also obtain the relevant forms from Trustee s Customer Service Centre at 25/F., Citicorp Centre, 18 Whitfield Road, Causeway Bay, Hong Kong or call Trustee s Customer Services Representative of the Scheme at for further information. BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme Together We Go Forward Investment Manager and Leaflet Issuer: BOCI-Prudential Asset Management Limited Trustee and Custodian: BOCI-Prudential Trustee Limited MPF Application and Product Hotline: (852) Website:

2 Investment Choices BOCI-Prudential has established 16 different constituent funds to suit members different investment needs and risk tolerance levels. Members may invest in different combinations of constituent funds and may from time to time change their investment choices. Constituent Fund Name, Investment Objective and Policy 1 Expected Normal Asset Allocation 1 Risk Level Equity Funds BOC-Prudential China Equity Fund Aims to provide long term capital growth Invests at least 70% of the Fund s non-cash assets in the China equity sub-fund of the BOC-Prudential Unit Trust Fund BOC-Prudential Hong Kong Equity Fund Aims to provide long term capital growth Invests at least 70% of the Fund s non-cash assets in the Hong Kong equity sub-fund of the BOC-Prudential Unit Trust Fund BOC-Prudential Japan Equity Fund Aims to achieve long term capital growth Invests primarily in the Japan equity sub-fund of the BOC-Prudential Unit Trust Fund BOC-Prudential Asia Equity Fund Aims to achieve long term capital growth Invests at least 70% of the Fund s non-cash assets in the Asia equity sub-fund of the BOC-Prudential Unit Trust Fund It is intended that the sub-fund will not invest in equities in Japan BOC-Prudential Global Equity Fund Seeks to achieve long term capital growth Invests at least 70% of the Fund s non-cash assets in (1) a combination of the global equity, Asia equity, China equity, Hong Kong equity, Japan equity and European equity sub-funds of the BOC-Prudential Unit Trust Fund (collectively, the equity sub-funds ) or (2) a combination of the equity sub-funds and equity-related approved ITCIS + managed by the Investment Manager Equity Funds Index Tracking Series BOC-Prudential CSI HK 100 Tracker Fund Aims to achieve long term capital growth Currently, invests exclusively in an approved ITCIS + selected by the Investment Manager W.I.S.E. CSI HK 100 Tracker TM, an indextracking exchange traded fund which seeks to track the performance of the CSI Hong Kong 100 Index by adopting a representative sampling strategy BOC-Prudential European Index Tracking Fund Aims to achieve long term capital growth Currently, invests exclusively in an approved ITCIS + selected by the Investment Manager the BOC-Prudential European Index Fund, which seeks to provide investment performance (before fees and expenses) that tracks the performance of the FTSE MPF Europe Index (unhedged) primarily by adopting a representative sampling strategy BOC-Prudential North America Index Tracking Fund Aims to achieve long term capital growth Currently, invests exclusively in an approved ITCIS + selected by the Investment Manager the BOC-Prudential North America Index Fund, which seeks to provide investment performance (before fees and expenses) that tracks the performance of the FTSE MPF North America Index (unhedged) primarily by adopting a representative sampling strategy BOC-Prudential Unit Trust Fund: China equity sub-fund % Cash and time deposits 0 0% BOC-Prudential Unit Trust Fund: Hong Kong equity sub-fund % Cash and time deposits 0 0% BOC-Prudential Unit Trust Fund: Japan equity sub-fund % Cash and time deposits 0 0% BOC-Prudential Unit Trust Fund: Asia equity sub-fund % Cash and time deposits 0 0% BOC-Prudential Unit Trust Fund: % Global equity sub-fund 20 80% Asia equity sub-fund 0 40% China equity sub-fund 0 0% Hong Kong equity sub-fund 0 0% Japan equity sub-fund 0 0% European equity sub-fund 0 50% Approved ITCIS % Cash and time deposits 0 0% Approved ITCIS + W.I.S.E. CSI HK 100 Tracker TM % Cash and time deposits 0 10% Approved ITCIS + BOC-Prudential Index Fund Series: BOC-Prudential European Index Fund % Cash and time deposits 0 10% Approved ITCIS + BOC-Prudential Index Fund Series: BOC-Prudential North America Index Fund % Cash and time deposits 0 10% 1

3 Constituent Fund Name, Investment Objective and Policy 1 Expected Normal Asset Allocation 1 Risk Level Mixed Asset Funds BOC-Prudential Growth Fund Seeks to achieve a return higher than the average capital appreciation Invests in (1) a combination of sub-funds of the BOC-Prudential Unit Trust Fund or (2) a combination of sub-funds of the BOC-Prudential Unit Trust Fund and approved ITCIS + managed by the Investment Manager Will be primarily invested in the equity sub-funds to form a global equity portfolio. The balance will be invested in the bond sub-funds BOC-Prudential Balanced Fund Seeks to achieve a long term capital growth Invests in (1) a combination of sub-funds of the BOC-Prudential Unit Trust Fund or (2) a combination of sub-funds of the BOC-Prudential Unit Trust Fund and approved ITCIS + managed by the Investment Manager Will be invested in a mix of equity and bond sub-funds BOC-Prudential Stable Fund Will be invested in a conservative manner to reduce the risk of capital losses while attempting to achieve a reasonable level of capital gains Invests in (1) a combination of sub-funds of the BOC-Prudential Unit Trust Fund or (2) a combination of sub-funds of the BOC-Prudential Unit Trust Fund and approved ITCIS + managed by the Investment Manager Will be invested in a mix of equity and bond sub-funds Bond Fund BOC-Prudential Bond Fund Seeks to provide a stable income stream and long term capital appreciation Invests primarily in the global bond sub-fund of the BOC-Prudential Unit Trust Fund Money Market Funds BOC-Prudential MPF RMB & HKD Money Market Fund 2, Seeks to achieve long term total returns by primarily investing in a portfolio of money market and debt instruments denominated in Renminbi ( RMB ) and Hong Kong dollar ( HKD ) Return over the long term is expected to follow the price movement of the RMB and HKD denominated money market and debt instruments Equities % Bonds 0 0% Cash, time deposits, money market or fixed income securities 0 20% Equities 40 80% Bonds 20 60% Cash, time deposits, money market or fixed income securities 0 20% Equities 10 50% Bonds 40 90% Cash, time deposits, money market or fixed income securities 0 20% BOC-Prudential Unit Trust Fund: Global bond sub-fund % Cash and time deposits 0 0% Short-term deposit and money market instruments % Debt securities 0 0% Medium to Medium Medium Low to Medium BOC-Prudential MPF Conservative Fund Aims at achieving a return higher than the interest rate in Hong Kong dollar savings account Invests in deposits and debt securities with an average portfolio maturity of not exceeding 90 days and will have a total value of Hong Kong dollar currency investments equal to the total market value of the constituent fund Deposits and debt securities 100% Low 2

4 Constituent Fund Name, Investment Objective and Policy 1 Expected Normal Asset Allocation 1 Risk Level MPF Default Investment Strategy ( DIS ) 4 BOC-Prudential Core Accumulation Fund Seeks to provide capital growth to scheme members by investing in a globally diversified manner Targets to hold 60% of its underlying assets in higher risk assets (as referred to in section.1a headed MPF Default Investment Strategy of the principal brochure of the Scheme), through investing in a combination of equity sub-funds of the BOC-Prudential Unit Trust Fund and/or approved ITCIS +, with the remainder investing in lower risk assets (as referred to in section.1a headed MPF Default Investment Strategy of the principal brochure of the Scheme), through investing in a combination of bond sub-funds of the BOC-Prudential Unit Trust Fund and/or approved ITCIS + Aims to achieve a performance that is referenced against the Reference Portfolio (as referred to in section.1a headed MPF Default Investment Strategy of the principal brochure of the Scheme) BOC-Prudential Age 65 Plus Fund Seeks to provide stable growth for the retirement savings to scheme members by investing in a globally diversified manner Targets to hold 20% of its assets in higher risk assets (as referred to in section.1a headed MPF Default Investment Strategy of the principal brochure of the Scheme) through investing in a combination of equity sub-funds of the BOC-Prudential Unit Trust Fund and/or approved ITCIS +, with the remainder investing in lower risk assets (as referred to in section.1a headed MPF Default Investment Strategy of the principal brochure of the Scheme) through investing in a combination of bond sub-funds of the BOC-Prudential Unit Trust Fund and/or approved ITCIS + Aims to achieve a performance that is referenced against the Reference Portfolio (as referred to in section.1a headed MPF Default Investment Strategy of the principal brochure of the Scheme) Equities, warrants, interests in an ITCIS + that tracks an index comprised of equities or equities-like securities and/or other investments as identified in the relevant guidelines issued by the Authority # from time to time: 55 65% Bonds or fixed income instruments: 5 45% Cash, time deposits or money market securities: 0 10% Bonds or fixed income instruments: 75 85% Equities, warrants, interests in an ITCIS + that tracks an index comprised of equities or equities-like securities and/or other investments as identified in the relevant guidelines issued by the Authority # from time to time: 15 25% Cash, time deposits or money market securities: 0 10% Medium to Medium Please refer to section.2 Risk Factors of the principal brochure of the Scheme for details about the risks associated with the constituent funds. Risk involved in fund switching - Investors should note that the performance of the investment markets could fluctuate significantly. Fund prices may go down as well as up. There is no guarantee that, given the time required to implement fund switching instructions, such instructions will achieve investors desired results. Investors should consider carefully their own risk tolerance level and financial circumstances (as well as investors own retirement plan) before making any investment choices. If in doubt, investors should contact their independent financial advisor for further advice. The risk levels are categorized into low, low to medium, medium, medium to high and high. The risk levels are determined by BOCI-Prudential Asset Management Limited based on the investment mix of each constituent fund and/or their underlying investments, and represent only the views of BOCI-Prudential Asset Management Limited. The risk levels are for reference only and will be reviewed and (if appropriate) updated at least annually taking into account the prevailing market circumstances. 1 Please refer to section.1.1 Investment Policy of the Constituent Funds of the principal brochure of the Scheme for details. 2 The BOC-Prudential MPF RMB & HKD Money Market Fund is subject to RMB currency risk, and there is no guarantee that the RMB will not depreciate or RMB will not be subject to devaluation. This constituent fund is also subject to certain specific risks, including but not limited to limited pool of investments, credit/insolvency risk of counterparties, liquidity risks, emerging market risk and interest rates risk. Please refer to part (n) of section.2 Risk Factors of the principal brochure of the Scheme for details. Investments in the BOC-Prudential MPF RMB & HKD Money Market Fund and BOC-Prudential MPF Conservative Fund are not the same as placing funds on deposit with a bank or deposit-taking company and that there is no obligation to redeem the investment at the subscription value and that these constituent funds are not subject to the supervision of the Hong Kong Monetary Authority. 4 For details of DIS, please refer to section.1a MPF Default Investment Strategy of the principal brochure of the Scheme. For key risks relating to DIS, please refer to part (o) of section.2 Risk Factors of the principal brochure of the Scheme. + Approved ITCIS / ITCIS means index-tracking collective investment scheme approved by the Mandatory Provident Fund Schemes Authority. # Authority means Mandatory Provident Fund Schemes Authority.

5 Management Fees * (Current Level)^ Participating employers and members of the Scheme may pay certain fees, charges and expenses upon and after joining the Scheme, including joining fee and annual fee (if any). Fees and charges may also be payable arising from transactions in individual member s account, and there are fund operating charges and expense of constituent funds, fees and charges payable out of the underlying funds, and other fees and charges for providing additional services. The following table merely sets out the management fees of constituent funds and underlying funds. Please refer to section 7 Fees and Charges of the principal brochure of the Scheme for details. Name of Constituent Funds Management Fees* of Constituent Funds (% of net asset value of the constituent fund per annum) Management Fees* of Underlying Funds (% of net asset value of the underlying fund per annum) Equity Funds BOC-Prudential China Equity Fund BOC-Prudential Hong Kong Equity Fund BOC-Prudential Japan Equity Fund 1.55% % BOC-Prudential Asia Equity Fund BOC-Prudential Global Equity Fund Equity Funds - Index Tracking Series BOC-Prudential CSI HK 100 Tracker Fund % BOC-Prudential European Index Tracking Fund BOC-Prudential North America Index Tracking Fund Mixed Asset Funds BOC-Prudential Growth Fund % % BOC-Prudential Balanced Fund 1.55% % BOC-Prudential Stable Fund Bond Fund BOC-Prudential Bond Fund 1.4% % Money Market Funds BOC-Prudential MPF RMB & HKD Money Market Fund 2, 0.8% N/A BOC-Prudential MPF Conservative Fund MPF Default Investment Strategy 4 BOC-Prudential Core Accumulation Fund BOC-Prudential Age 65 Plus Fund 0.75% Nil (after fee rebate) 4

6 * Management fees include fees paid to the trustee, custodian, administrator, investment manager (including fees based on fund performance, if any) and sponsor of a scheme for providing their services to the relevant fund. They are usually charged as a percentage of the net asset value of a fund. In the case of the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund, Management fees payable to the parties named above, or their delegates, can only (subject to certain exceptions in the Mandatory Provident Fund Schemes Ordinance) be charged as a percentage of the net asset value of the fund. These Management fees are also subject to a statutory daily limit equivalent to 0.75% per annum of the net asset value of the fund which applies across both the fund and underlying funds. For the avoidance of doubt, Management fees of the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund shall not include custodian fees which are not calculated by reference to the net asset value of these constituent funds. Any amount of Management fees exceeding the relevant specified rate will be rebated to the relevant constituent funds daily by the Trustee and Investment Manager respectively. Any amount of fees charged by the Trustee and the Investment Manager of the approved ITCIS + exceeding the specified rate will be rebated to the constituent funds by the Trustee and Investment Manager respectively. ^ In respect of any increase in fees and charges from the current level, at least three months prior notice must be given to all scheme members and participating employers. 2 The BOC-Prudential MPF RMB & HKD Money Market Fund is subject to RMB currency risk, and there is no guarantee that the RMB will not depreciate or RMB will not be subject to devaluation. This constituent fund is also subject to certain specific risks, including but not limited to limited pool of investments, credit/insolvency risk of counterparties, liquidity risks, emerging market risk and interest rates risk. Please refer to part (n) of section.2 Risk Factors of the principal brochure of the Scheme for details. Investments in the BOC-Prudential MPF RMB & HKD Money Market Fund and BOC-Prudential MPF Conservative Fund are not the same as placing funds on deposit with a bank or deposit-taking company and that there is no obligation to redeem the investment at the subscription value and that these constituent funds are not subject to the supervision of the Hong Kong Monetary Authority. 4 For details of DIS, please refer to section.1a MPF Default Investment Strategy of the principal brochure of the Scheme. For key risks relating to DIS, please refer to part (o) of section.2 Risk Factors of the principal brochure of the Scheme. + Approved ITCIS means index-tracking collective investment scheme approved by the Mandatory Provident Fund Schemes Authority. On-going Costs Illustrations and an Illustrative Example for BOC-Prudential MPF Conservative Fund are available for distribution together with the principal brochure of the Scheme. These documents demonstrate the effect of fees and charges on contributions to the constituent funds available under the Scheme. Before making any investment decisions concerning MPF investments, members should refer to the latest version of these documents which can be obtained from our website or via our MPF Application and Product Hotline Investment involves risk. The above information is for reference only. You should not solely rely on the stand-alone information to make any investment decision. Please refer to the principal brochure of the Scheme for details (including risk factors, fees and charges, and fund information). 5 Date: [Aug 2018]

7 重要資訊 一般 在作出任何投資選擇前, 你必須評估你可承受的風險程度及本身的財務狀況 ; 當你選擇基金時, 若不能肯定某些基金是否適合自己 ( 包括是否與你的投資目標一致 ), 你應諮詢獨立財務及 或專業人士的意見, 以作出最切合個人狀況的基金選擇 在你決定投資於強積金預設投資策略 ( 根據中銀保誠簡易強積金計劃 ( 本計劃 ) 介紹手冊第.1A 節 強積金預設投資策略 的定義 ) 前, 你應考慮自己的風險承受程度及財政狀況 你應注意中銀保誠核心累積基金及中銀保誠 65 歲後基金並不一定適合你, 而中銀保誠核心累積基金及中銀保誠 65 歲後基金的風險程度及你可承受的風險程度可能出現錯配 ( 基金組合的風險可能比你想要承擔的風險為高 ) 如你對於強積金預設投資策略是否適合你存有疑問, 你應尋求財務及 或專業意見, 並在考慮到自身情況之後才進行投資決定 你應注意強積金預設投資策略的實施有可能影響你的強積金投資及權益 如你就預設投資策略對你的影響有疑問, 我們建議你向受託人查詢 強積金保守基金的費用及收費可 ( 一 ) 透過扣除資產收取 ; 或 ( 二 ) 透過扣除成員賬戶中的單位收取 中銀保誠強積金保守基金採用方式 ( 一 ) 收費, 故所列之單位價格 資產淨值 基金表現已反映費用及收費之影響 你不應只依賴這宣傳品來作出任何投資決定, 計劃詳情 ( 包括風險因素 費用及收費及基金資料 ) 請參閱本計劃之介紹手冊 投資涉及風險 成分基金單位價格可跌亦可升 過去的表現並不代表未來的表現 重要資訊 分期提取累算權益 若你年屆 (i) 法定退休年齡六十五歲或 (ii) 提前退休年齡六十歲, 並以法定聲明向受託人證明你已永久終止僱用或自僱, 由 2016 年 2 月 1 日起開始, 你可選擇按你指定的提取款額分期提取累算權益 有關你分期提取累算權益的申請, 受託人不會就每公曆年的首四 (4) 期付款及就支付最後一期本計劃下之所有剩餘及應支付之累算權益的款額收取任何費用, 除該等情況外, 受託人將會在每次的分期提取累算權益收取按介紹手冊第 7.1 節表格 (E) 所列出之港幣 100 元之手續費用, 而該費用將在你提取款額中扣取 你可於受託人網頁 下載有關分期提取累算權益之表格 你亦可於受託人位於香港銅鑼灣威非路道 18 號萬國寶通中心 25 字樓的客戶服務中心取得該表格或致電 與本計劃之受託人客戶服務代表查詢詳情 中銀保誠簡易強積金計劃 與你同步邁進 投資經理及單張發行人 : 受託人及保管人 : (852)

8 投資選擇 1 1 中銀保誠中國股票基金 70% % 0 0% 中銀保誠香港股票基金 70% % 0 0% 中銀保誠日本股票基金 % 0 0% 中銀保誠亞洲股票基金 70% % 0 0% 中銀保誠環球股票基金 70%(1) (2) % 20 80% 0 40% 0 0% 0 0% 0 0% 0 50% 0 60% 0 0% 中銀保誠中證香港 100 指數基金 100 TM TM % 0 10% 中銀保誠歐洲指數追蹤基金 % 0 10% 中銀保誠北美指數追蹤基金 % 0 10% 1

9 1 1 中銀保誠增長基金 (1)(2) 中銀保誠均衡基金 (1)(2) 中銀保誠平穩基金 (1)(2) 中銀保誠債券基金 2, 中銀保誠強積金人民幣及港元貨幣市場基金 (RMB)(HKD) % 0 0% 0 20% 40 80% 20 60% 0 20% 10 50% 40 90% 0 20% % 0 0% % 0 0% 中銀保誠強積金保守基金 % 2

10 1 1 4 中銀保誠核心累積基金 60%.1A.1A.1A # 55-65% 5-45% 0-10% 中銀保誠 65 歲後基金 75-85% 20%.1A.1A.1A # 15-25% 0-10% 有關成分基金之風險因素, 請參閱本計劃之介紹手冊第.2 節 風險因素 (n) 4.1A.2(o) #

11 基金管理費 * ( 現行收費 )^ * ( ) * ( ) 中銀保誠中國股票基金 中銀保誠香港股票基金 中銀保誠日本股票基金 1.55% % 中銀保誠亞洲股票基金中銀保誠環球股票基金 中銀保誠中證香港 100 指數基金 % 中銀保誠歐洲指數追蹤基金中銀保誠北美指數追蹤基金 中銀保誠增長基金 % % 中銀保誠均衡基金 1.55% % 中銀保誠平穩基金 中銀保誠債券基金 1.4% % 中銀保誠強積金人民幣及港元貨幣市場基金 2, 中銀保誠強積金保守基金 4 中銀保誠核心累積基金中銀保誠 65 歲後基金 0.8% 不適用 0.75% 零 ( 退還後 ) 4

12 * % 65 ^ 2.2(n) 4.1A.2(o) 持續成本列表及中銀保誠強積金保守基金年費解說例子已一同隨本計劃之介紹手冊發出 該等文件旨在說明費用及收費對投入本計劃下各成分基金之供款的影響 務請在作出任何強積金投資決定之前, 先參閱該文件的最新版本 該文件可透過本公司網頁 下載, 或致電強積金開戶及產品熱線 索取 投資涉及風險 以上資料僅供參考之用, 你不應只依賴這些資料來作出任何投資決定, 計劃詳情 ( 包括風險因素 費用及收費及基金資料 ) 請參閱本計劃之介紹手冊 日期 :[2018 年 8 月 ] 5