chinese_version_2018_cc

Transcription

1 Internet Banking / Mobile Banking

2 * * > 6 1

3 1,000,000* 1,000,000* * 1,000,

4 ,0001,000,

5 70% 1,000 1, %

6 ,000 1,000 20,

7 i. ii. iii. iv

8 12 13

9 14 15

10

11 Secure Socket Layer (SSL) 128 i. ii. iii. (852) iv

12 20 21

13 22 23

14 24 25

15 26 27

16 Internet Banking / Mobile Banking Internet Banking Table of Contents Internet Banking Introduction Login Method Service Features Scope of Services Banking Services Investment Services Loans Services Financial Information Credit Card Services MPF Other Services Security information Mobile Banking Introduction System Requirement Login Method Service Scope Security Information Contact Us Internet Banking Introduction The Internet Banking provided by Bank of China (Hong Kong) (the Bank ) allows you to enjoy comprehensive banking and investment services as well as various exclusive offers*. Together with our reliable security measures, you can manage your transactions with complete peace of mind. If you have not registered for our Internet Banking Services, please visit any of our branches for registration. * For details, please contact the Bank s staff. Login Method Please go to Under Online Login, click Personal Customers > 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 two-factor Authentication (Mobile Token or Security Device) for login to Internet Banking, after entering your Internet Banking No. / user name and Internet Banking password, please generate a 6-digit Security Code on Mobile Token or Security Device and then enter this code. Service 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 on the login page of Internet Banking: Investment Account Opening via Internet Open an Investment Account online to enjoy instant trading services. 28 Note You will be given a Transaction Number for each completed transaction. Please keep this number for future reference. 29

17 Internet Banking Internet Banking Scope of Services Banking My Account Transfer Remittance Currency Exchange Time Deposit e-cheque Physical Cheque Monthly Savings Plan Consolidated Statement Cheque Service Payroll Service Registration Bill Payment My Bill List Bill Payment to Merchants in the Mainland of China Regular Bill Payment HKJC Super Funds Transfer Service Transaction Record Direct Debit Authorisation Investment Overview Loans Mortgage Loan Personal Loan Download Form Insurance Application Policy Information Download Form Calculator Credit Card Overview Payment Bill Payment Statement Pay by Instalment Plan Cash Before Card Cash Instalment Transaction Record Card Activation e-statement Enquiry Apply Credit Card Application Status Enquiry e- Statement e-statement Enquiry e-statement Maintenance Paper Statement Request Upgrade / Open Service Wealth Management / NCB Wealth Management Enrich Banking i-free Banking Savings / Current Securities Securities Margin Funds Precious Metal / FX Margin Debt Securities / Certificates of Deposit Assistant Message Last Ten Transaction Records Preset Transaction Overview Securities Club e-alert e-subscription e-invitation Banking Services Account Balance Enquiry You can enquire the balance of all your registered accounts. Available Balance means the amount that is immediately available for use. Ledger Balance includes the deposit amount of cheques and other notes that have been deposited into the account but yet to be cleared. Fund Transfer Accepts scheduled transfer transaction. You can conduct interbank transfer between the bank accounts of BOCHK. You can conduct funds transfer in HKD or CNY to the accounts held with other local banks or institutions (including SVF accounts) through Faster Payment System ( FPS ). Under normal circumstances, the funds will be deducted immediately, and arrive at the beneficiary bank or institution immediately. You can conduct funds transfers in USD or EUR to the accounts held with other local banks through Express Transfer (RTGS/CHATS). Generally, the funds will be deducted immediately from the remitter's account or on the "Transfer Date", and the beneficiary bank will receive the funds immediately or in the morning of the "Transfer Date" at the earliest. The maximum daily limit of fund transfer to third party accounts is HKD1,000,000*. Remittance Accepts telegraphic transfer application and BOC Remittance Plus. Handles the application for forward dated and standing instructions of remittance. You can enquire the latest transaction records of Outward / Inward Remittance. The maximum daily limit of fund remittance to third party accounts is HKD1,000,000*. * The maximum daily limit of fund transfer, local bank transfer and remittance to third party accounts is HKD1,000,000. Credit Card Payment HK Securities Gift Point Settles payment for your pre-registered BOC Credit Card (same name or third-party) by HK Securities Margin Value-Added Service(s) deducting from your savings / current account. Setting A Share Securities Statement Copy Retrieval You can register third-party credit card via Internet Banking. My Account A Shares Securities Margin US Securities Set up Auto-Sweeping Currency Exchange Service HKD/RMB exchange for foreign currency is available. Funds Precious Metals / RMB Limit Setting Cross-currency exchange service is available. FX Margin Services Overview Security Setting Foreign exchange service of more than 10 currencies is available. Set up Outside Hong Kong Precious Metals Accepts the standing instruction of currency exchange. Currency Linked ATM Cash Withdrawal Investments BOC Wealth Express Set up BOC Card In-App e-cheque Investment Deposit Bank of China in the Purchase Limit HKD / RMB / USD e-cheque and e-cashier's Order are available. Structured Investments Mainland Quote Service Plan Issues, deposits and stops e-cheque and e-cashier's Order, and enquiry of its status Debt Securities / Change Password are available. Certificates of Deposit Change Personal Information Accepts forward-dated issuance and deposit instruction. eipo Subscription / MPF Address Verification Financing You can issue / deposit up to eight e-cheque(s) / e-cashier's Order(s) during each Fund Balance Enquiry Interface Setting transaction respectively. Questionnaire on Create User Name Investment Preference / Last Contribution Enquiry You can e-cheque and e-cashier's Order to the recipient(s). 30 Video Mobile Banking Setting 31

18 Internet Banking Internet Banking e-statement Monthly e-statement of the last 13 months as well as daily e-statement and e-advice of the last 90 days are available for you to view, print and download. Handles the application for various e-statements. You can amend your e-statement setting, such as statement language. You can submit request for re-issuance of paper statement. Time Deposit Time deposit in HKD, RMB and other designated foreign currencies is available. You can place or uplift deposit, amend maturity instructions or enquire deposit records. For placement of time deposit in foreign currencies, funds can be debited from your HKD Savings / Current Account, USD Current Account or Multi-Currency Savings Account. If the funds are debited from your Multi-Currency Account, please ensure this account has sufficient funds of the same currency. For placement of time deposit in RMB, funds can be debited from your HKD Savings / Current Account or RMB Savings / Current Account. You can amend the maturity instruction for your time deposit via Internet Banking on any business day before the maturity date. For uplift of time deposit, the relevant deposit can only be credited to your accounts of the same currency. Bill Payment Applicable bill types include electricity charges, gas charges, water charges, Rates and Government Rent, tax, telephone charges, insurance premium, customs tariff and securities payment, etc. Other than the categories of Government or Statutory Organisation, Public Utility, Primary or Secondary Education and Post-secondary or Specialised Education, you are required to use two-factor authentication when submitting the payment instructions. If you have not activated the two-factor authentication, please visit any of our branches for registration. You can make donations to charity organizations. The maximum daily bill payment limit is HKD50,000 whereas the maximum limit of the Designated Merchants of the Bank is HKD1,000,000 (or equivalent in foreign currency) or at an amount set by the customer. You could increase your payment limit on specific government organizations and merchants approved by the Bank by using two-factor authentication via Internet Banking or visiting any branch of the Bank. Home Insurance, Domestic Helper Insurance, Accident Insurance, Student Accident Insurance, Golfer Insurance and Private Car Insurance. You can enquire the records of your online enrolment and insurance plan renewal. After receiving the renewal notice, you can renew the application, download claim form and application form for amendment of policy via Internet Banking. Account Registration and Transfer Limit Management You can register your accounts, BOC credit cards or amend your daily fund transfer / transaction limit via Internet Banking. Two-factor authentication is needed for the registration of third party accounts, accounts at other local banks, beneficiary accounts for remittance, or the increase of your daily fund transfer limit. Investment Services With the opening of the investment account via Internet Banking, you can enjoy a wide array of investment services including securities trading, monthly stocks savings, fund trading, bond trading and Precious Metals / FX Margin trading, etc. Customers are required to use Two-factor Authentication to conduct designated investment transactions of Internet / Mobile Banking: Securities / Securities Margin in different markets - Trading - Monthly Savings Plan - eipo Subscription / Financing Debt Securities / Certificates of Deposit - IPO - Buy / Sell Funds - Subscribe - Redeem / Switch - Monthly Savings Plan Securities Trading You can conduct securities trading, amend or cancel trading orders and enquire the status of your trading orders. You can trade Hong Kong securities, China A shares and US securities through one securities account. The merchant list may be updated by the Bank from time to time. For details, please Enjoy the flexibility in purchasing securities with the amount of unsettled Sell Orders refer to the list under Bill Payment of Internet Banking. of securities. Enquiry of Latest Transactions Stock Trading Instructions You can retrieve records of latest transactions. - You are recommended to check stock prices before trading securities. You can retrieve transaction record of accounts including HKD Savings Account, HKD - Provides various order types, including Enhanced Limit Order, Market Order, At-auction Current Account, RMB Savings Account, RMB Current Account, USD Current Account, Order and At-auction Limit Order (applicable to Hong Kong securities). Limit order (applicable Multi-Currency Savings Account, and Securities Custody record. to China A Shares) and Limit Order and Market Order (applicable to US securities). Insurance Services - Accepts odd lot sell order. - If the stock fails to be listed or traded on the specified date, this trading instruction will be cancelled. With our comprehensive protection plans, you can have total peace of mind. - You are advised to record the transaction number in the reply message sent by the 32 A wide array of insurance plans is provided, with instant approval including Family Bank. You may need to quote this transaction number for the enquiry, amendments or 33 Comprehensive Protection, Medical Comprehensive Protection, Travel Insurance, cancellations of your instructions.

19 Internet Banking Internet Banking Change Stock Quantity (Applicable to Hong Kong securities, China A shares and US securities) - If you intend to reduce the trading quantity, the new quantity entered should include those stocks for which transactions have already been completed (if any). - If you intend to increase the trading quantity, you should cancel the original trading instructions first. Once your cancellation instructions have been confirmed, you can place a new trading order. Change Stock Price (Applicable to Hong Kong securities, China A shares and US securities) - For the buy order, the new unit price should be higher than the original bid price. - For the sell order, the new unit price should be lower than the original ask price. You can amend or cancel stock orders through multiple trading channels, including Internet Banking, Mobile Banking, Phone Banking, Investment Service Hotline or branches (only applicable to Hong Kong securities and China A shares). Order Notification Service - For orders conducted via Internet Banking and Mobile Banking, order notification will be sent by or SMS. - If you cannot receive any order notification through or SMS, please refer to Transaction Record under Securities section. Corporate Action - Internet Banking accepts corporate action instructions for relevant services including Right Subscription, Open Offer, Share Offer, Preferential Subscription, Dividend Option and Offer (subject to the terms and conditions of the corporate actions). Real-Time Stock Quote Service (Applicable to Hong Kong securities) - Real-time stock quotes including bid-ask queues and broker queues, etc are available. - Various stock quotes service plans are available, including Basic Plan, Monthly Plan and Streaming. Basic Plan: Pre-set plan for securities customers is available with a fixed amount of free real-time stock quotes each month. Fees will be levied for each extra quote used. (You will be rewarded with additional free real-time stock quotes for every successful trading.) Monthly Plan: You can enjoy unlimited real-time stock quotes with a fixed monthly fee. Streaming: A fixed monthly fee is charged for the auto-updated stock quotes. - Please refer to Quote Service Plan under Setting for details of the number of free stock quotes, stock quotes plans and fees. - You can check quote usage and the fees of the current month and the previous month via Quote Meter. Real Time Stock Quote Service (Applicable to China A Shares) - Basic plan and detailed plan - Real-time stock quotes including bid-ask queues and broker queues, etc are available Real Time Stock Quote Service (Applicable to US securities) - Customers need to apply for the Real-time stock quotes through Internet or Mobile Banking - Real-time stock quotes, charts and market news - 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 China A shares are separately displayed on the same statement for easy reference. Securities Margin Trading You can open margin account online via "Open / Register Account" in Securities Margin and may conduct HK shares and A shares margin trading once approved. A loanable percentage of up to 70% of prevailing market value of the stocks. You can access your investment balance, list of securities eligible for margin trading, loanable percentage and transaction records. You can conduct Hong Kong & A Shares securities margin trading and margin transfer via our Internet Banking. Free SMS notification service is available for your use. Monthly Stocks Savings Plan According to your own preference, you can invest in selected stocks provided by the Bank. The minimum monthly contribution is HKD / CNY 1,000 which will be used for stock purchase after deduction of the transaction fee. For a Plan with a monthly investment amount of HKD / CNY 1,000 or HKD 500 and CNY 500, a maximum of two stocks can be selected for investment. Any additional part over the minimum monthly contribution amount has to be made in the integral multiples of HKD / CNY 500. A maximum of twenty stocks can be selected in each plan. A transaction fee equivalent to 0.25% of the total monthly contribution amount is charged for each plan. And the minimum charge is HKD / CNY 50 per month (including brokerage fee, stamp duty, transaction levy and transaction charge). You can also enjoy waivers on safe custody and collection fees of shareholder entitlements (e.g. dividend). Monthly contribution can be made through autopay from your securities settlement account or BOC Credit Card. There is no upper limit for the contribution of a Plan made by debit to the securities settlement account, while the upper limit for the monthly contribution of the Plan made by a credit card is equivalent to the credit limit of the card. In addition, you can earn the credit card gift points by settling the contribution payment with BOC Credit Card. The longer the period of the consecutive contributions, the higher the gift point conversion rate is. You can sell any stock maintained in the plan at market price (even if the number of shares is less than one lot) to enjoy a higher return. To amend or terminate the Plan, simply place instruction with the Bank three business days before the next transaction day. Change in the number of stocks, monthly contribution amount or the use of another Price Alert Service BOC Credit Card as the debit account will not affect the calculation of "Consecutive - You can pre-set your target stock price. When the market price hits the price, the Bank will Contribution Period". 34 send SMS to your mobile phone number that has been registered for the alert service. Unless otherwise specified, the contribution day of the "Monthly Stocks Savings Plan" is 35

20 Internet Banking Internet Banking on the tenth day of each month. If such day is not a stock trading day, contribution day will fall on the next stock trading day. If the contribution amount is paid by BOC Credit Card, the contribution amount will be debited 2 business days before the contribution day. Transaction day is the next stock trading day after the contribution day. Adding new plan(s) is/are not accepted on the transaction day or the next stock trading day after the transaction day. If the required contribution amount cannot be debited by the Bank from your securities settlement account or BOC Credit Card for three consecutive months, the Bank will have the right to terminate the relevant plan without prior notice. Funds Through Internet Banking, you can subscribe for funds distributed by the Bank, including designated Open-end Funds and those Guaranteed Funds that are offered within the offering period. You can enquire the balance of your Open-end Funds and Guaranteed Funds under custody and in the name of bank nominees. You can enquire the same-day or last 45 days transaction record or transaction status for funds subscribed via our branches or Internet Banking. (Wealth Management / Enrich Banking / i-free Banking customers can enquire subscription records of the last 90 days.) You can enquire dividend payment record of your current funds (not more than 12 terms) as well as the redeemed funds of the last 3 months. You can view comprehensive market information including fund prices, asset allocation, fund performance, offering documents, market commentaries and focus funds, etc. Monthly Funds Savings Plan Through Internet Banking, you can add a Monthly Funds Savings Plan (the Plan ), amend the monthly investment amount, currency (available in HKD or fund currency only) and debit account of the Plan, and enquire the details or terminate the Plan. The date of contribution and subscription under the Plan is scheduled on the 20th of each month, if such day is a Saturday or a Hong Kong Public Holiday, the date of contribution and subscription will be postponed to the following Hong Kong Bank Business Day. The cut-off date for new application, amendment or termination of the Plan is three Hong Kong Bank Business Days (excluding Saturdays) before the contribution date. Any application submitted after the relevant cut-off date will be regarded as an application of the following month. equivalent in foreign currencies) and HKD20,000 (or its equivalent in other currencies) respectively. In addition, you can earn gift points for contribution made by credit card. If you fail to make the monthly contribution for 3 consecutive months, the Bank reserves the right to terminate the Plan. If you terminate the Plan within 12 months from the setup date, the Bank reserves the right to charge a handling fee. The Bank reserves the right to amend and/or cancel any Plans and/or amend the above terms and conditions at its sole discretion. Precious Metals / FX Margin Trading With Precious Metal / FX Margin Trading Account, you can trade precious metals: Tael Gold, Kilo Gold, London Gold and London Silver; and various currencies: any 2 currencies among CNY, HKD, USD, AUD, CAD, CHF, EUR, GBP, NZD and JPY. You can enquire precious metals / FX margin trading price. Accepts margin deposits in CNY and various major currencies. Can enquire margin call balance and conduct margin transfer and exchange. Can open the account via our Internet Banking. Easy and simple account opening. The cash margin is as low as 5% for leveraged trading of up to 20 times. Time deposit at the Bank can be used as collateral in lieu of cash margin. Can place Position Squaring Appointment and a wide selection of standing orders, including "Single", "One-Cancels-the-Other (OCO)" and "If-Then" orders. The validity of standing orders is up to 14 days. Can enquire account details, instruction and position square record. Notional Precious Metals Trading With Notional Precious Metals Passbook Account, you can trade gold bullion of 0.99 fineness, gold bullion of fineness, London gold bullion, London Silver and Zurich platinum. You can enquire account details. You can enquire precious metal prices. Currency Linked Investments You can enquire Contract Summary. You can open Dual Currency Investment and Option Linked Investment. You can square contract. You may choose to pay the monthly contributions through direct debit from your You can enquire reference interest rate and exchange rates. settlement account maintained with the Bank or by your BOC credit card. If the Calculator function is available. monthly contribution is settled via your settlement account, such contribution amount will be debited on the contribution date, however, you are required to maintain Investment Deposit sufficient funds in the settlement account in order to pay the contribution amount. If You can select investment deposit products by filtering the deposit currency. the monthly contribution is settled by BOC Credit Card, such contribution amount will You can enquire latest application record. be debited two Hong Kong Bank Business Days (excluding Saturdays) before the You can enquire latest outstanding deposit. contribution date or any other date specified by the Bank and you should ensure that Structured Investments your credit card has sufficient available credit limit to pay the contribution amount. You can select Structured Investments products by filtering the Investment Currency. If you pay the monthly contribution amount through the settlement account, the minimum You can enquire latest application record. monthly contribution amount for the Plan is HKD1,000 (or its equivalent in foreign You can enquire latest outstanding Structured Investments. currencies). If the monthly contribution amount is paid by your BOC Credit Card, the 36 minimum and maximum monthly contribution amount for the Plan is HKD1,000 (or its 37

21 Internet Banking Internet Banking Debt Securities / Certificates of Deposit Provides IPO subscription service. You can trade in secondary market. You can enquire account details. You can enquire secondary market price of Debt Securities eipo Application / Financing Services You can subscribe for new shares can be made in eipo financing and yellow form via Internet Banking. If the subscription is submitted by yellow form or eipo financing, the allotted shares will be deposited into your securities account directly so that you can trade the shares on the first day of listing. Loans Services You can make appointment for mortgage application, instant apply for BOC Express Cash Instalment Loan, BOC Express Cash Revolving Credit and BOC Express Cash Instalment Loan Top up. The Cash Before Card and Cash Instalment Plan enable you to turn the available credit limit of Revolving Credit into cash which can be deposited into your account maintained with the Bank or other local banks anytime. You can enquire the information of personal loan product, account details, application status and transaction record. Financial Information You can enquire the latest deposit interest rates, exchange rates, Precious Metals and FX Margin trading price, Precious Metals trading prices, reference interest rates and exchange rates of Currency Linked Deposits, Debt Securities quote, fund information, HK Stock and A Share information, warrants and CBBC information. Credit Card Services You can enquire the accrued balance, minimum repayment amount, date of repayment, credit limit, current available limit and the bonus points of your credit card. You can view the latest transaction detail and transaction history of the last 3 months. Other Services You can stop payment order, enquire cheque issuance status and amend your Internet Banking password, personal details as well as security settings (including application and activation of the Security Device). The requested consolidated monthly statement and current account monthly statement will be sent to you by mail. The requested cheque book and crossed cheque book will be posted by ordinary mail while the bearer cheque book will be posted by registered mail. The fees of registered mail will be debited directly from your current account. Calculator function is available for your use (applicable to Insurance Services, Currency Linked Deposits, Club Deposit, Time Deposit and Mortgage Loan). Security Information To avoid disclosure of your personal information, you should click Logout to exit from the system after you have finished all online transactions. For security reason, your online access will be disconnected automatically after a short period of inactivity in order to prevent unauthorised transactions. If you have not changed the Internet Banking password for a designated period, the notification for advising you to change password will be given when you login. To protect your privacy and assets, you should not disclose your Internet Banking No., user name and Internet Banking password to anyone. You are advised to modify your password regularly. Do not access Internet 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 or above Transport Layer Security (TLS) 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 Internet Banking. You may reset or release the suspended password by the following methods: 1. Reset Internet Banking password on Internet Banking / Mobile Banking If you are a holder of BOC Card or BOC Credit Card linked with bank accounts, you may reset the Internet Banking password through Internet Banking or Mobile Banking. Please press Reset Internet Banking password on Internet Banking login page or Reset Password on Mobile Banking login page. Through the Online Cash Advance Service and Cash Instalment service, you can turn the available credit limit into cash which can be deposited into your account maintained with the Bank or other local banks anytime. You can apply for monthly e-statement(s), request for re-issuance of statement(s) and 2. Release the suspended password by visiting any of our branches or via Phone for gift redemption. Banking as follows: i. Dial in to Phone Banking and choose the language MPF ii. Press 1 Automated Account Services You can enquire your MPF account(s). iii.press 5 Cheque and Statement Services or Change the Setting on Internet Banking Service You can enquire the latest and last MPF contribution record. iv.press 6 Release of Suspended Internet Banking due to Multiple Invalid Inputs of Password Set Up Auto-Sweeping Service To suspend or terminate your Internet Banking Service, you can place your instruction by logging in to Phone Banking (press 1 and then 5 and then 5 Suspension Once you completed the setting, when the available balance of the designated current or de-activation of Internet Banking ) or visiting your account opening branch. If you account is not sufficient to settle the cheque amount, the Bank will transfer funds from need to reactivate Internet Banking Service in the future, you may visit any branch of your designated savings account to avoid bounced cheque. the Bank for service reactivation. You may choose to use Mobile Token or Security Device as your two-factor 38 authentication tool. 39

22 Mobile Banking Mobile Banking Mobile Banking Introduction Personal Mobile Banking service from BOCHK 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. Key Functions Brand New Look Best in class banking experience with personalised homepage 1. Voice search of branch location, stocks and mobile banking menu at your service 2. Auto-creates shortcuts for your frequently used functions a homepage tailor-made to your habits 3. Shows your personalised portfolios of stocks and currencies and their latest real-time prices and trends Professional Investment Trade Hong Kong securities, China A share and US securities on one page 1. Trade Hong Kong securities, China A share and US securities on one page 2. Express Trading Setting enables you to pre-set trading settings according to your behaviour, or sell all of your stocks holding with just one tap 3. Stock Screener, over 30 indicators for you to construct investment strategies and find the target stocks 4. Free-of-charge Price Alert instantly redirects you to the transaction page 5. Calculates lot size and spread for you automatically 6. One-stop investment platform fully supports securities trading, corporate action and IPO subscription etc Easy FX One-stop FX service at your fingertip Quick and Easy Transfer Programmed to select the cost-effective and the fastest option, enabling you to transfer multiple currencies to other banks with ease 1. View the FX quotes of 16 currencies on one page and trade instantly 2. Offers you the most favourable exchange rates 3. Keep track of your currency holding and transaction history anytime and anywhere 1. A simple transfer process we will select an economical and fast way for you to transfer funds 2. Register a new payee and set up a regular payee in one go for faster transfer in future 3. Notifies your payees of the completion of transfer with just one tap 4. Schedule transfers in advance 5. Pay credit card bills in seconds 40 41

23 Mobile Banking Mobile Banking Security Mobile Token Authorise mobile banking & internet banking transactions 1. Use your mobile phone as a digital token, freeing you from the hassle of carrying a separate security device 2. Supports swift and secure login and transaction authentication using fingerprint and Face ID BOCHK Personal Mobile Banking Please search for BOCHK 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: ios 8.0 or above Android 4.4 or above e-alert Instant notification of transactions anytime, anywhere Turn on e-alert for instant notification of mobile and online transactions 42 43

24 Mobile Banking Mobile Banking Login Method If you are our existing personal Internet Banking customers, you can login to Mobile Banking via BOCHK'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 and choose the language 2. Press 1 Automated Account Services 3. Press 5 Cheque and Statement Services or Change the Setting on Internet Banking Service 4. Press 6 Release of Suspended Internet Banking due to Multiple Invalid Inputs of Password 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 Home > More > e-banking Service > 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. Service Scope Accounts Account Overview Transfer - Transfer Now - Register Third-Party Account - Scheduled Transfer - Transaction Record Small Value Transfer Bill Payment - Pay New Bill - Pending Instruction - Transaction Record - My Bill List e-cheque - Issue Cheque/Cashier's Order - Deposit Cheque/Cashier's Order - Stop Cheque/Cashier's Order - Stop Physical Cheque Credit Card Payment Time Deposit - Place Time Deposit - Transaction Record My Payee Smart Account Last 10 Mobile Banking Transaction Record Securities Securities Account Securities Transaction Record Securities Trading Stock Information Stock Quote Watchlist eipo Subscription / Financing - Application - Allotment Result - Financing Application Record - Financing Calculator Stock Price Alert Stock Screener Corporate Action Express Trading Setting US Stock Fund Transfer FX FX Account FX Transaction Record FX Quotes Currency Exchange FX Calculator FX Market Information Precious Metal Precious Metal Account Precious Metal Transaction Record Precious Metal Quote Precious Metal Trading Precious Metal/FX Margin Precious Metal/FX Margin Account Precious Metal/FX Margin Transaction Record Precious Metal/FX Margin Transaction Reference Price Precious Metal/FX Margin Watchlist Position Square Appointment Margin Call Loan Tax Loan Mortgage (Shortcut to BOC Mortgage Expert Application) BOC Express Cash (Shortcut to BOC Express Cash Application) Loan Top Up Cash Before Card Cash Instalment BOC Loan (for selected customers) (Shortcut to BOC Loan Application) 44 45

25 Mobile Banking Mobile Banking Lifestyle Credit Card Offers Banking Service Offers My Favorite Offers Online Registration Travel Insurance Banknotes Exchange Rates Banknote Reservation Wealth Management Counter Service (Only applicable to Wealth Management customers) Branch Locator - Search Nearby - Search by District GoSports Setting Change Password Change Address Set up Small Value Transfer Stock Express Trading Setting e-alert Setting BOC Card In-App Purchase Limit Outside Hong Kong ATM Cash Withdrawal Address Verification Mobile Token Setting Contact Us Send Feedback Security Information Other Functions Share Information - Save and Share Transaction Details - Share Offer Information Voice Search Online Chat e-alert Personalised Service - Shortcut placement according to personal behavior - Personalised promotion banner according to your need Link - Internet Banking - Corporate Internet Banking 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 Internet Banking / Mobile Banking If you are a holder of BOC Card or BOC Credit Card linked with bank accounts, you may reset the Internet Banking password through Internet Banking or Mobile Banking. Please press Reset Internet Banking password on Internet Banking login page or Reset Password on Mobile Banking login page. Upon the successful registration of the Biometric Authentication on your mobile phone, any biometric credential that is stored on your mobile phone can be used for the purpose of the Biometric Authentication. You must ensure that only your biometric credential is stored on your mobile phone to access the device, and ensure the security of the security codes as well as the password or code that you used to store your biometric credential and register the Biometric Authentication on your mobile phone. For security reasons, do not register biometric credential of other person(s) on your mobile phone or use jailbroken or rooted mobile phone. You can enable / disable the Biometric Authentication through Profile > Settings > Mobile Token Setting > Enable Biometric Authentication Login and Use Mobile Token on Mobile Banking after login. Or you can contact our Customer Service Hotline or visit any of our branches to suspend your Mobile Token. Please note that after you have cancelled the Mobile Token and / or Biometric Authentication, your biometric credential will be continuously stored on your designated mobile device. You may consider cancelling the data at your own decision. If your biometric credential of your designated mobile device has been changed or the Biometric Authentication has not been used for a specified period of time (which shall be defined by the Bank from time to time), your Biometric Authentication will be suspended. You are required to re-register or reactivate the Biometric Authentication. You must not use Biometric Authentication if you have reasonable belief that other people may share identical or very similar biometric credential(s) of you or your biometric credential(s) can be easily compromised. For instance, you must not use Face ID for authentication purpose if you have identical twin or triplet sibling(s). You must not use Biometric Authentication if the relevant biometric credential(s) of you are or will be undergoing rapid development or change. For instance, you must not use Face ID for authentication purpose if you are an adolescence with facial features undergoing rapid development. You should use all reasonable care to keep your mobile phone secure. You should notify us as soon as reasonably practicable if you find or believe that your mobile phone has been lost or stolen or any unauthorised transactions have occurred. To protect your privacy and assets, you should not disclose your Mobile Banking No., Username and Mobile Banking Password to anyone. You are advised to change your password regularly. If you have not changed the Mobile Banking password for a designated period, the notification for advising you to change password will be given when you login. To avoid disclosure of your personal information, you should click Logout from the system after you have finished all online transactions. 2. Release the suspended password by visiting any of our branches or via Phone Banking as follows: i. Dial in to Phone Banking and choose the language ii. Press 1 Automated Account Services iii. Press 5 Cheque and Statement Services or Change the Setting on Internet Contact Us Banking Service iv. Press 6 Release of Suspended Internet Banking due to Multiple Invalid Inputs For enquiries, please call our Customer Service Hotline at (852) or visit any 46 of Password of our branches or browse 47 to exit For security reason, your online access will be disconnected automatically after a short period of inactivity in order to prevent unauthorised transactions.

26 Internet Banking / Mobile Banking Internet Banking / Mobile Banking Reminder: To borrow or not to borrow? Borrow only if you can repay! Risk Disclosure for Investment Products or Services Investment involves risks. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by customers. Customers' fund may increase or reduce due to the purchase or sale of investment products. The loss incurred from investment may be the same or greater than initial investment amount, proceeds may also change accordingly. Part of the investment may not be able to liquidate immediately under certain market situation. Before making any investment decisions, customers should consider their own financial situation, investment objectives and experiences, willingness and ability to bear risks, and understand the nature and risks of the relevant product. For the nature and risk disclosures of individual investment products, customers should read carefully the relevant offering documents for details. Customers should seek professional advice from an independent financial adviser. 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. Risk Disclosure 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. Risk 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. 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 HKD 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. Risk of trading China A shares via Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Liquidity Risk - RMB equity products are a new type of investment product in the Hong Kong market. Kong Stock Connect Regular trading or an active secondary market in these products may not be available. Therefore you Not protected by Investor Compensation Fund may not be able to sell your investments in the RMB equity products on a timely basis, or you may Investors should note that any SH Northbound Trading or SZ Northbound Trading under have to offer them for sale at a deep discount to their value in order to find a buyer. If the Central Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect will not be covered Government of the PRC tightens foreign exchange controls, the liquidity of RMB or RMB equity by Hong Kong s Investor Compensation Fund. Also, China Securities Investor Protection Fund will products in Hong Kong will be affected and you may be exposed to greater liquidity risk. not protect any SH Northbound Trading and SZ Northbound Trading as well. 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 Quotas used up conversion costs, being the spread between buying and selling of RMB, at the time of conversion When the daily quota is used up, acceptance of the corresponding buy orders will also be between your local currency and RMB for the purchase or sale of an RMB equity product. Even if the immediately suspended and no further buy orders will be accepted for the remainder of the day. Buy price of the RMB equity products you are holding remains unchanged, you may not receive the same orders which have been accepted will not be affected by the using up of the daily quota, while sell amount of HKD when you sell the products due to the spread between buying and selling of RMB. orders will be continued to be accepted. RMB is a restricted currency and is subject to foreign exchange controls. Although the Chinese Central Trading day difference Government has relaxed the restrictions by allowing banks in Hong Kong to conduct RMB business in As mentioned above, Shanghai-Hong Kong Stock Connect or Shenzhen-Hong Kong Stock Connect a specified scope, RMB is still not freely convertible in Hong Kong. You may not be able to convert will only operate on days when both markets are open for trading and when banks in both markets RMB at your preferred time and/or in your preferred amount or conversion cannot be made, which may are open on the corresponding settlement days. So it is possible that there are occasions when it is lead to investment losses. The policies of the Central Government of the PRC on foreign exchange a normal trading day for the Mainland China market but Hong Kong investors cannot carry out any control are subject to change, and your investment may be adversely affected. A-share trading. Investors should take note of the days Shanghai-Hong Kong Stock Connect or 48 49

27 Internet Banking / Mobile Banking Internet Banking / Mobile Banking Shenzhen-Hong Kong Stock Connect is open for business and decide according to their own risk tolerance capability whether or not to take on the risk of price fluctuations in A-shares during the time when Shanghai-Hong Kong Stock Connect or Shenzhen-Hong Kong Stock Connect is not trading. Restrictions on selling imposed by front-end monitoring For investors who usually keep their A-shares outside of their brokers, if they want to sell certain A-shares they hold, they must transfer those A-shares to the respective accounts of their brokers before the market opens on the day of selling (T day). If they fail to meet this deadline, they will not be able to sell those A-shares on T day. The recalling of eligible stocks When a stock is recalled from the scope of eligible stocks for trading via Shanghai-Hong Kong Stock Connect or Shenzhen-Hong Kong Stock Connect for above-mentioned reasons, the stock can only be sold but restricted from being bought. This may affect the investment portfolio or strategies of investors. Investors should therefore pay close attention to the list of eligible stocks as provided and renewed from time to time by both Exchanges. Risks of client assets received or held outside Hong Kong Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong. Risk Disclosure 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 the licensed or registered person. 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. Important Notice of US Securities You should fully understand the details, risks, charges and important notice before invest in US securities. You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. US securities investment services are not applicable to U.S. persons and might only be applicable to limited jurisdiction. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. Since the server requires regular maintenance services, the system will not be able to provide the trading, fund transfer, checking securities custody and corporate action services at the following time: Hong Kong time Saturday 11:30am 4:30pm Restrictions on trading Shenzhen ChiNext shares (Only eligible for Shenzhen-Hong Kong Stock Connect) Trading Shenzhen ChiNext shares limited to institutional professional investors. Risk Disclosure of Funds Trading This document does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. The investment products or services mentioned in this document are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details including risk factors. If you have any inquiries on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser. You are advised to understand the relevant details, charges and important notes before investing in China A shares. For details, please visit website of BOCHK ( Securities Trading Services and Important Notice of Trading China A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect ) or contact BOCHK s staff. Risk Disclosure in respect 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. Risk Disclosures relating to Currency Linked Investments Dual Currency Investment, Currency Linked Investments - Option Linked Investment, Investment Deposit and Structured Investments ( Structured products ): Currency Linked Investments Dual Currency Investment, Currency Linked Investments - Option Linked Investment and Structured Investments involve derivatives. The investment decision is yours but you should not invest in this product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Risks associated with the Mainland-Hong Kong Mutual Recognition of Funds arrangement The Recognized Mainland Funds scheme are subject to an overall quota restriction, its mutual recognition authorization is not guaranteed, you may encounter uncertainties in the Mainland tax liabilities. These Funds invest primarily in securities related to the Mainland market. You have to understand its different You should not invest in any product based on this promotion material alone. You should read market practices and relevant implications. Also, you may be subject to additional concentration risk and the offering documents before deciding whether to invest in the product and to understand the the Mainland market risk, investing in the Mainland may give rise to different risks including political, 50 nature and risks of the product. You should carefully consider whether trading or investment is policy, tax, economic, foreign exchange, legal, regulatory and liquidity risks. 51 suitable in light of your own financial position and investment objectives.