CB chi

Transcription

1 Internet Banking / Mobile Banking

2

3 1

4 2

5 3 集友銀行 1,000,000* 1,000,000 1,000,000 1,000,000

6 4

7 5

8 6

9 7 集友

10 8

11 集友個人手機銀行提供各項銀行及證券服務, 版面簡易清晰, 讓您不再受時間或地域限制, 隨時隨地透過任何流動電話網絡 * 輕鬆處理個人財務 * 請向相關電訊服務供應商查詢電話服務收費計劃, 特別是數據漫遊收費 請即請即透過官方軟件應用商店搜尋 Chiyu Bank 或掃瞄二維碼, 免費下載本行流動應用程式 為確保客戶資料安全, 本行建議操作系統如下 : ios 8.0 或以上 Android 4.4 或以上 9

12 如您是本行的網上銀行客戶, 即可透過本行的流動應用程式登入手機銀行 方法如下 : 1) 輸入網上銀行號碼 / 用戶名稱 網上銀行密碼及驗證碼 如連續五次輸入錯誤的網上銀行密碼, 密碼將被凍結, 您將無法登入網上銀行及手機銀行 重新啟動密碼, 您需親臨本行任何一家分行辦理或按以下步驟致電電話銀行 : 2) 利用生物認證登入手機銀行亦可使用指定型號的流動裝置登記 生物認證 服務 ( 包括指紋認證及 Face ID 等 ) 後, 即可快捷登入手機銀行 有關指定型號流動裝置名單詳情, 請瀏覽本行網頁 : 主頁 > 個人理財 > 個人手機銀行 完成交易後, 請登出離開手機銀行服務, 以防止您的個人資料外洩 基於保安原因, 系統會在您停止操作之後的一段時間自動登出, 以防止未經授權的交易 10

13 本行採用國際認可的 Secure Socket Layer (SSL) 128 位元加密技術, 保障資料能安全傳送 1. 手機銀行重設網上銀行密碼如您持有有效的提款卡或已附加銀行戶口的中銀信用卡, 您可透過本行手機銀行重設網上銀行密碼 請於手機銀行登入頁面按 重設密碼 2. 親臨本行各分行辦理手續, 或透過電話銀行釋放被凍結的密碼, 步驟如下 : "5" "6" 完成交易後, 必須按 " 登出 " 離開手機銀行服務, 以防止您的個人資料外洩 基於保安理由, 系統會在您停止操作之後一段時間自動登出, 以防止發生任何未獲授權的交易

14 12

15 13

16 Internet Banking / Mobile Banking Table of Contents Internet Banking Introduction Login Features Scope of Services Banking Services Investment Services Financial Information Credit Card Services MPF Other Services Security information Mobile Banking Introduction System Requirement Login Scope of Services Security Information Contact Us

17 Internet Banking Internet Banking Introduction With Internet Banking presented by Chiyu Bank ( the Bank ), you are able to access our comprehensive range of financial and investment solutions via Internet anytime, anywhere! What s more, you can save more with various exclusive offers.* Take advantage of versatile banking services via Internet Banking anytime, anywhere! With the use of enhanced security measures, you can manage your personal financial and investment needs with added peace of mind. * For details, please contact our staff. Login Please go to click Internet Banking. To access Internet Banking, you should enter your Internet Banking No. / user name and Internet Banking password. If you have defaulted the use of Security Device for login to Internet Banking, after entering your Internet Banking No. / user name and Internet Banking password, please press on the Security Device to generate a 6-digit security code and then enter this code. Features First Time Login or Registration Customers can use the following account numbers for first time login or registration of Internet Banking service - Savings/Current account - Credit card account - Wealth Management / Enrich Banking / i-free Banking - Internet Banking Number - Phone Banking Number Please click the button shown below on the login page. Opening of Investment Trading Account via Internet Enjoy our hassle-free account-opening service for investment and instant trading via Internet Banking. Note You will be given a Transaction Number upon each successful transaction. Please keep this number for future reference. 15

18 Internet Banking Scope of Services Banking My Account Transfer Local Bank Transfer Remittance Currency Exchange Time Deposit Consolidated Statement Cheque Service Payroll Service Registration Open Account Bill Payment Bill Payment Regular Bill Payment Bill Maintenance Template Transaction Record Investment Overview Securities Securities Margin Funds Metals / FX Margin Notional Precious Metals Trading Currency Linked Investments Debt Securities / Certificates of Deposit eipo Application / Financing Questionnaire on Investment Preference Loans Mortgage Loan Personal Loan Download Form Insurance Application Policy Information Download Form Calculator Credit Card Overview Payment Bill Payment Statement Pay by Installment Plan Online Cash Advance Cash Installment Transaction Record Card Activation e-statement Enquiry Apply Credit Card Application Status Enquiry Gift Point Value-Added Service(s) Statement Copy Retrieval MPF Fund Balance Enquiry Last Contribution Enquiry e- Statement e-statement Enquiry e-statement Maintenance Paper Statement Request Assistant Message Last Ten Transaction Records Preset Transaction Overview Financial Planning Financial Calculator Bonus Point Scheme My Setting My Account Limit Setting Security Setting Quote Service Plan Change Password Change Personal Information Notification Setting Interface Setting Create User Name Mobile Banking Setting 16

19 Internet Banking Banking Services A convenient and effective way to manage your finances. Account Balance Enquiry You can enquire about the balance of all your registered accounts. Available Balance means the amount that is actually available for use. Ledger Balance includes cheques and other deposits made to the account that have not yet cleared for use. Funds Transfer You can make scheduled transfer transaction. You can transfer funds to bank accounts within Chiyu Bank. The maximum daily limit of fund transfer to third party accounts is HKD1,000,000*. Local Bank Transfer Accepts funds transfer to accounts at other local banks. With Express Transfer, you can have your funds transferred to the account at the receiving bank on the same day under normal circumstances. With Electronic Transfer, you can get your funds transferred to the account at the receiving banks 1 working day (except Saturday) after the transaction under normal circumstances. With Electronic Transfer(Express Processing), you can get your funds transferred to the account at the receiving banks on the same day under normal circumstances. The maximum daily limit of fund transfer to third party accounts at the local banks is HKD1,000,000*. Remittance You can make remittance by T/T Application and BOC Remittance Plus. You can make scheduled and standing instruction remittance applications. You can view transaction records of Outward / Inward Remittance. The daily fund transfer limit for remittance to registered third party account is up to HK$1,000,000*. *Funds transfer, local bank transfer and remittance to registered third party accounts, the daily total limit is up to HK$1,000,000. Credit Card Payment You can make payment for your pre-registered BOC Credit Card or any other third party s BOC Credit Card by direct debit from any HKD accounts under your name. You can register accounts for transfer and adjust the fund transfer limit online. Currency Exchange HKD, foreign currency or Renminbi exchange services are available. Cross-exchange for foreign currency is available. You can exchange more than 10 different foreign currencies. You can make scheduled and standing instruction currency exchange. e-statement You can view, print and download the monthly e-statement of recent 13 months and daily e-statement and e-advice of recent 90 days. Applications for e-statement services could be made. You can change your e-statement setting, such as statement language & alert. Submit reprint request on paper statement. 17

20 Internet Banking Time Deposit You can arrange HKD, Renminbi and designated foreign currency time deposits transactions. You can place or uplift deposit, amend maturity instructions or request deposit records. To place foreign currency time deposit, funds can be directly debited from your HKD Account or USD Current Account or Multi-Currency Savings Account, as long as sufficient funds in the same currency are available. Funds should be debited from your Renminbi Savings/Current Account, if you want to place a Renmibi time deposit. If you wish to amend the maturity instructions for your time deposit, you may do so via Internet Banking or visit your account opening branch, at any working days before the maturity date. If you wish to amend the maturity instructions for your time deposit on the maturity date, you should proceed with Deposit Withdrawal Instruction. Time deposit can only be credited to your accounts of the same currency. Bill Payment The following bills can be paid: Hong Kong Electric, CLP Power, Hong Kong and China Gas, Water Supplies Department, Government Rates, tax, telephone, insurance, Customs & Excise Department - Duty Collection, securities payment, etc. Pre-registration will be required for online bill payments to merchants under the categories of Banking and Credit Card Services, Credit Services or Securities Broker. You may conduct online registration using two-factor authentication or visit any branch for the arrangement. You can also make donations to charity organization. The maximum daily bill payment limit is HK$50, If you wish to increase your payment limit over HK$50, on specific government organizations and merchants approved by the Bank, you may increase bill payment limit using two-factor authentication or visit any branch for the arrangement. The payment ceiling of such government organizations and merchants can be reached up to HK$1,000, The merchant list available for bill payment can be viewed from Internet Banking under the heading Bill Payment. Such merchant list may be changed or updated by the Bank from time to time. Recent Transaction Enquiries You can view records of your transactions. You can view transaction records of HKD Savings Account, HKD Current Account, Renminbi Savings Account, Renminbi Current Account, USD Current Account, Multi-Currency Savings Account, and Securities Custody Statement. Insurance Service Added peace of mind with comprehensive protection. You can apply different insurance plans, including Family Comprehensive Protection, Travel Insurance, Home Insurance, Helper Insurance, Accident Insurance, Student Accident Insurance and Golfer Insurance. You can view records of insurance applied and renewal applied via Internet Banking. You can download the claim form and application form for amendment of policy. 18

21 Internet Banking Account Registration and Account Limit Management You can register your accounts, BOC credit cards or decrease your fund transfer limit through Internet Banking. Two-factor authentication is needed for the registration of third party accounts, other local bank accounts, beneficiary accounts for remittance, or increase your fund transfer limit online. Investment Services A complete range of investment tools to serve your financial needs. You can open the investment accounts online. It helps you capture every opportunity in the securities trading, monthly stocks savings, fund trading, bond trading and Metals/FX margin trading. Securities Trading Our securities trading services can help you trade, change or cancel trading orders and enquire about the status of your trading orders. You can trade Shanghai A shares and Hong Kong stocks through one securities account. Stock Trading Orders - It is strongly recommended that you should check stock prices before trading securities. - The unit price must be within 20 spreads from the current bid/ask price. - Odd lot order is accepted (only applicable for Internet Banking). - If a stock fails to be listed or traded on the specified date, all trading instructions will be cancelled. - You are advised to record the transaction number issued at the end of your trading instructions. The transaction number is required when making enquiries, amendments or cancellations of your instructions. Change Stock Quantity - If you intend to reduce the quantity, the new quantity must include those that have already been done (if any). - If you intend to increase the quantity, you must cancel the original trading instructions first. Once your cancellation instructions have been confirmed, you can place a new trading order. Change Stock Price - For a buy order, the new unit price must be higher than the original order price. - For a sell order, the new unit price must be lower than the original order price. You can change or cancel stock orders placed in different channels, include Internet Banking, Mobile Banking, Phone Banking, General Investment Hotline or branch. Trade Confirmation - For orders placed via Internet Banking and Mobile Banking, trade confirmation will be sent in or SMS (if pre-set). - If you would like to receive trade confirmation in SMS for orders placed via Internet Banking, you can go to the page Notification Setting under My Setting to activate the service. - If you cannot receive any trade/order confirmation via /sms, please enter the Transaction Record page under Securities section. 19

22 Internet Banking 20 Corporate Action - The following types of corporate action instructions are allowed to be submitted via Internet Banking: Right Subscription, Open Offer, Share Offer, Preferential Subscription, Scrip Dividend and Offer (subject to the terms and conditions of the corporate actions). Real-Time Stock Quote Service - Provides real-time stock quotes, including bid-ask queues, broker queues, etc. - Different stock quote service plans are provided for your choice, including Basic Plan, Monthly Plan and Streaming. Basic Plan: Default package for all securities customers. Each customer is entitled to a fixed amount of free real-time snapshot stock quotes each month. Charge will be incurred for extra quote used. (You will be awarded additional free real-time stock quotes for every successful trading.) Monthly Plan: A monthly fee for unlimited real-time snapshot stock quotes. Streaming: A monthly fee for an auto-updated stock quote. - Please log onto the Internet Banking Quote Service Plan for different stock quote plans and fees information. - You can check quote usage of the current month and the previous month via Quote Meter. Price Alert Service - You can pre-set your target stock price. When the market price hits the price, the Bank will send SMS to your mobile phone number that has been registered for the alert service. - This service is applicable to Sole name account holders under the Securities Club Diamond Star and Gold Star Membership tiers. - Sole name account holders under the Securities Club Silver Star and Bright Star Membership tiers can register for the service for 3 months if their accumulated transaction amounts to HKD1,000,000 equivalent or above in the month. E-Statements - You can access and download daily e-statements of the last 90 days and monthly e-statements of the last 13 months anytime via Internet Banking. Also, stock trading records of Hong Kong stocks and Shanghai A shares are separately displayed on the same statement for easy reference. Securities Margin Trading Extra investment capital of up to 60% of prevailing market value of designated stocks. You can access your balance of investment amount, list of securities eligible for margin trading, loanable percentage and transaction records. Free SMS trade confirmation services. Monthly Stocks Savings Plan We provide you with selected stocks and you can invest up to 10 stocks in each plan for long term investment according to your preference. The minimum monthly contribution is HK$1,000*, thereafter, the incremental amount is HK$500. * You can only invest in 2 stocks at most with minimum monthly contribution (HK$1,000). To invest in more stocks, please add HK$500 or its multiples for each additional stock. A handling fee of 0.25% of the total monthly investment amount will be charged for each plan, including brokerage fee, stamp duty, transaction levy and transaction charge. The minimum charge is HK$50. No safe custody or dividend collection fee will be charged. You can use either the settlement account of your securities account or BOC credit card to pay the contribution amount automatically. If you pay the contribution amount by BOC credit card, the maximum amount is HK$5,000 per month. You can also earn 1 credit card bonus point for each HK$1 contribution. You can sell the odd lot under Monthly Stocks Savings Plan in board lot price via Internet Banking, Mobile Banking, Phone Banking, General Investment Hotline or any of our branches. Amendments or termination of the savings plan can be made via Internet Banking or any our branches 3 business days before the next transaction day. If contribution amount could not be debited for 3 consecutive months, the plan will be terminated without prior notice.

23 Internet Banking eipo Application / Financing Subscription for new shares can be made in eipo financing and yellow form via Internet Banking. If subscription is made in yellow form or eipo financing, the allotted shares will be deposited in your securities account directly so that you can trade the shares on the first day of listing. Notional Precious Metals Trading You can trade HK99 Gold, HK9999 Gold, London Gold, London Silver and Zurich Platinum by using Notional Precious Metal Trading Account. Account details enquiry. Precious metals price enquiry. Metals/FX Margin Trading Buy or sell gold bullion of 0.99 fineness, Kilo Gold Bar, London Gold, London Silver, a wide choice of foreign currencies and cross. Metals / FX Margin trading price enquiry. Margin deposits can be in various currencies. You can pledge your time deposits as collateral to apply for a credit line in lieu of cash margin. No commissions or fees will be charged. Currency Linked Investments Contract Summary Enquiry. Open Dual Currency Investment and Option Linked Investment. Square Contract. Reference interest and exchange rates enquiry. Calculator for Currency Linked Investments. Funds You can subscribe designated Open-end Funds and those Guaranteed Funds within offering period for which we act as the fund distributor via Internet Banking. You can check the balance of your Open-end Funds and Guaranteed Funds in custody under the name of bank nominees. You can enquire any transaction record that is processed via our branches or Internet Banking for today last 45 days. (Wealth Management / Enrich Banking / i-free Banking customers can enquire transaction records of the last 90 days.) You can enquire maximum 12 terms of dividend record for your current funds. You can also enquire the dividend record of the redeemed funds within 3 months. Comprehensive Fund Information services include fund prices, fund performance, fund comparison, offering documents and fund factsheet etc. 21

24 Internet Banking Monthly Funds Savings Plan You can add and delete a monthly funds savings plan, change the investment amount and currency (only in HKD or in fund currency) or debit account, and enquire the details of the monthly funds savings plan via Internet Banking. The day of contribution and subscription under the Plan is scheduled for the 20th of each month, and if that is a Saturday or a public holiday in Hong Kong, the subscription and the debit will be postponed to the following bank business day. In the case of settlement through settlement account, the monthly contribution will be debited in the morning on the specified contribution day. Please ensure there are sufficient funds in the settlement account. In the case of settlement through BOC Credit Card, the monthly contribution will be debited 2 bank business days before contribution day or any other time specified by the Bank. Please ensure that there is enough available credit limit on the credit card to cover the monthly contribution. (Only applicable to personal customers) The minimum monthly contribution for each fund is equivalent to HK$1,000. The maximum monthly contribution limit for "Credit Card Monthly Savings Plan" is HK$5,000, while there is no limit for monthly contribution through settlement account. New monthly funds savings plan added via Internet Banking will be effective on next bank business day. The plan should be updated or deleted before 2 bank business days or any other time specified by the Bank before contribution day. If there are 3 consecutive contribution failures, the Plan will be terminated by the Bank. For funds with dividend type denoted as "Cash", they are not applicable to Monthly Funds Savings Plan creation via Internet Banking. If you have more than one Plan, in the event that the balance in the specified settlement account on the contribution day is insufficient to pay for all the contributions under the Plan, the Bank has absolute right to determine how to allocate the contribution(s) and subscription(s) to be made under the Plan, by considering the begin date, monthly contribution amount (priority may be given to Plans with higher contribution amount), the fund code and other relevant factors. If the balance in the specified settlement account on the contribution date is insufficient to pay for the contribution(s) under the Plan, the Bank may (but is not obliged to) debit the contribution(s) from your other account(s). If the monthly funds savings plan is terminated within first 12 months, we reserve the right to charge 2% handling fee of the total investment amount. Debt Securities / Certificates of Deposit IPO Subscription. Account details enquiry. Debt Securities information enquiry. 22

25 Internet Banking Financial Information Up-to-the-minute information keeps you in touch with the market. You can enquire the latest deposit interest rates, exchange rates, Metals / FX margin trading price, precious metals trading prices, reference interest rates and exchange rates for Currency Linked Investments, Debt Securities quote, fund information and stock information. Credit Card Services You can enquire the accrued balance, minimum repayment amount, date of repayment, credit limit and the bonus points on your credit card account. You can view the latest transaction details and transaction history of the previous 3 months. The Online Cash Advance and Cash Installment Service allows you turn the available credit limit into cash which can be deposited into your accounts at anytime. You can request for monthly e-statement(s) request for re-issue of previous statement(s) and redeem gift. MPF You can enquire your MPF account(s). You can enquire the latest and last MPF contribution record. Other Services A wide range of services to meet your needs. You can require stop payment order and cheque status enquiry, change your password, personal details and security settings. You can request for a consolidated monthly statement and current account monthly statement. The statement will be sent to you via mail. You can order cheque books which will be sent to you via registered mail or ordinary mail. Crossed cheque will be posted by ordinary mail while bearer cheque will be posted by registered mail. The registered mail fees will be debited directly from your current account. Calculator (Insurance Service, Currency Linked Investments, Club Deposit, Time Deposit and Mortgage Loan). Security Information Remember to click on Logout to exit from the system after you have finished all your online transactions. To protect your privacy and assets, you should not disclose your Internet Banking No. or user name and Internet Banking password to anyone. For enhanced protection, you are advised to change your Internet Banking password regularly. Do not access Internet Banking through hyperlinks embedded in s. Be aware that we will never ask you for account number, password or any personal information via s. With the use of 128 bit Secure Socket Layer (SSL) encryption, we ensure the security of your data during transmission. If there are several consecutive login attempts with incorrect Internet Banking password, the online service will be suspended immediately for the sake of account safety. In this case, please contact your account-opening branch for re-activation. In the event that you forget to logout from the Internet Banking, your online access will be disconnected automatically after a short period of inactivity to prevent unauthorized transaction. You may choose to use Security Device as your two-factor authentication tool. If you want to suspend Internet Banking, you can either use Phone Banking (press 5 and then 5 for Suspension or Termination of Internet Banking ) or visit your account-opening branch. To re-activate the service, you can visit any branch. 23

26 Mobile Banking Mobile Banking Introduction Personal Mobile Banking service from CHIYU provides general banking and securities services. The easy and user-friendly interface is ideal for anyone who wishes to use their handset to manage their financial conveniently via any mobile network* anytime, anywhere. * Please check with the relevant telecommunications service providers on the service plan, especially the data roaming charges Please search for Chiyu Bank at any of the official application stores or scan the QR code to download the Application for free. System Requirement To ensure customer data security, our recommended platforms will be: 1. ios 8.0 or above (Default Browser) 2. Android 4.4 or above 24

27 Mobile Banking Login If you are our existing personal Internet Banking customers, you can login to Mobile Banking via CHIYU's mobile application by the following methods. 1. Enter your Internet Banking No. / Username, Internet Banking Password and Verification Code After 5 consecutive failed attempts to enter the correct Internet Banking Password, the password will be locked and the access to Internet Banking and Mobile Banking will be denied. To unlock the Internet Banking Password, please visit any of our branches or call Phone Banking as follows: 1. Dial in to Phone Banking 2. Press 5 "For cheque service, monthly statement, or change the setting on Internet Banking" 3. Press 6 "Release suspended Internet Banking". 2. Login with your Biometric Authentication You may also register Biometric Authentication service (Fingerprint, Face ID, etc) by using designated mobile devices with a single touch. Please visit our website Main > Personal Banking > Personal Mobile Banking for the list of designated mobile devices. Upon completion of transactions, please press Logout to exit from the Mobile Banking to avoid disclosure of your personal information. For security reason, your online access will be disconnected automatically after a short period of inactivity in order to prevent unauthorized transaction. 25

28 Mobile Banking Scope of Services Securities Trading Auction Order Trading Update/Delete Order Account Details Transaction Record Stock Quote HK Indices Real-time Quote Meter Service Charges Banking Fund Transfer BOC Credit Card Payment Local Bank Transfer Currency Exchange Exchange Rates Account Details Bill Payment Template Selected Merchants Precious Metal and FX Margin Reference Price Trading Standing Order Position Square Appointment Transaction Record Standing Order Record Margin Call Balance Margin Transfer Margin Exchange Account Details Credit Card BOC Credit Card Payment Bill Payment Cash Before Card Cash Instalment Account Details Loans Cash Before Card Cash Instalment Notional Precious Metals Trading Trading Account Details Precious Metals Prices Enquiry Account Overview Last Ten Mobile Banking Transaction Exchange Rates Precious Metals Prices Other Services Change Password Change Address 26

29 Internet Banking / Mobile Banking Security Information Do not access Mobile Banking through hyperlinks embedded in s. The Bank will never ask customers to provide the account number, password or any personal information via s. With the use of 128 bit Secure Socket Layer (SSL) encryption, we can ensure secure transmission of your data. If you input incorrect passwords for five consecutive times, your password will be suspended and you cannot login Mobile Banking. You may reset or release the suspended password by the following methods : 1. Reset Internet Banking password on Mobile Banking If you are a holder of ATM Card or BOC Credit Card linked with bank accounts, you may reset the Internet Banking password through Mobile Banking. Please press Reset Password on Mobile Banking login page. Your Internet Banking password will be suspended after 5 consecutive failed attempts. Access to Interent banking and Mobile Banking will be denied. To release the suspended Internet Banking password, please visit any of our branches or contact Phone Banking as follows: i. Dial in to Phone Banking ii. Press 5 For cheque service, monthly statement, or change the setting on Internet Banking iii. Press 6 Release suspended Internet Banking Contact Us For enquiries, please call our Customer Service Hotline (852) or visit any of our branches or visit our website 27

30 Internet Banking / Mobile Banking 28 Risk Disclosure The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you trade or invest. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objectives. You are advised to seek independent financial and professional advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment. Although investment may bring about profit opportunities, each type of investment product or service comes with its own risks. Due to the fluctuating nature of the markets, the prices of products may rise or fall beyond customers expectations and customers investment funds may increase or decrease in value as a result of selling or purchasing investment products. Loss may equal or exceed the amount of the initial investment. Income yields may also fluctuate. Due to market conditions, some investments may not be readily realizable. Before making any investment decision, customers should assess their own financial position, investment objectives and experience, willingness and ability to bear risks and understand the nature and risks of the relevant product. For details of the nature of a particular product and the risk involved, please refer to the relevant offering documents. Customers should seek advice from an independent financial adviser. Risk of Securities Trading The prices of securities fluctuate, sometimes dramatically. The price of a 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 securities. Risks of Trading of Listed RMB Products Investment / Market Risk - Like any investments, RMB equity products are subject to investment risk. The price of the RMB equity products in the secondary market may move up or down. Losses may incur as a result of investing in the products even if the RMB appreciates against HKD or other currencies. Liquidity Risk - RMB equity products are a new type of investment product in the Hong Kong market. Regular trading or an active secondary market in these products may not be available. Therefore you may not be able to sell your investments in the RMB equity products on a timely basis, or you may have to offer them for sale at a deep discount to their value in order to find a buyer. If the Central Government of the PRC tightens foreign exchange controls, the liquidity of RMB or RMB equity products in Hong Kong will be affected and you may be exposed to greater liquidity risk. Currency Risk - If you are a non-mainland investor who holds a local currency other than RMB, you will be exposed to currency risk if you invest in RMB equity products. You will incur currency conversion costs, being the spread between buying and selling of RMB, at the time of conversion between your local currency and RMB for the purchase or sale of an RMB equity product. Even if the price of the RMB equity products you are holding remains unchanged, you may not receive the same amount of HKD when you sell the products due to the spread between buying and selling of RMB.RMB is a restricted currency and is subject to foreign exchange controls. Although the Central Government of the PRC has relaxed the restrictions by allowing banks in Hong Kong to conduct RMB business in a specified scope, RMB is still not freely convertible in Hong Kong. You may not be able to convert RMB at your preferred time and/or in your preferred amount or conversion cannot be made, which may lead to investment losses. The policies of the Central Government of the PRC on foreign exchange control are subject to change, and your investment may be adversely affected. Exchange Rate Risk - RMB equity products that are traded and settled in RMB are exposed to exchange rate risk. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into Hong Kong dollars or other foreign currencies. Moreover there is no guarantee that RMB will not depreciate. Any devaluation of RMB could adversely affect the value of your investment in the RMB equity products. RMB equity products are not an investment instrument for speculating on RMB/HKD exchange rate movements. Default Risk & Credit Risk - In general, RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies. The performance of RMB equity products is affected by the underlying business performance and a variety of other factors in connection with the issuers, and is subject to the credit risks associated with the special profile or special business strategy that the issuers may have. Emerging Market Risk - RMB equity products associating with the market of the Mainland of China are particularly subject to risks that may arise from the relevant market/industry/sector and other factors such as change in government policies, taxation and political development in the Mainland. Conversion Limitation Risk of RMB (Only applicable to Individual Investors) - RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. Conversion Limitation Risk of RMB (Only applicable to Corporate Customers) - RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Corporate customers that intend to conduct conversion of RMB through banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

31 Internet Banking / Mobile Banking Risk of Funds Trading 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. You should carefully read the offering documents for details before making any investment decision. Risk of Securities Margin Service The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with us. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop-limit" orders. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own financial position and investment objectives. Risk of Precious Metal/ 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 cash margin. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily 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 deposit additional cash margin. If the required cash margin 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 cash margin 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. Additional Warning Statement relating to Dual Currency Investment and Option Linked Investment (each a Financial Product ) The Financial Product 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 Financial Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Risk Disclosure Statement on Currency Linked Investments - Dual Currency Investment ( this product ): Not a Time Deposit This product is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. Risk Disclosure Statement on Currency Linked Investments - Option Linked Investment ( this product ): Not a Time Deposit This product is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. Risk of Foreign Currency Foreign currency Investments are subjected 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. (Only applicable to Individual Customers) RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. (Only applicable to Corporate Customers) RMB is currently not fully freely convertible. Corporate customers that intend to conduct conversion of RMB through banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. 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. This booklet does not constitute an offer, or an invitation to purchase or sell any investment product or service mentioned above. ADM257 (2018) 29

32