Newsletter_Issue 2_2018_Revision.ai

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To make such arrangement, please address to BOCIPrudential's Data Privacy Officer in writing via email: DataProtection@bocpt.com or at /F, Citicorp Centre, 8 Whitfield Road, Causeway Bay, Hong Kong.

In your selection of funds, if you are in doubt as to whether a constituent fund is suitable for you (including whether it is consistent with your investment objectives), you should seek independent

You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy ("DIS" as defined in section.

1 08 Employers' MPF Newsletter 08 Issue IMPORTANT INFORMATION A) () / This Newsletter is for informational purposes only. The contents of the Newsletter are subject to change without further notice.. You may at anytime choose not to receive any marketing mailings from the Trustee. To make such arrangement, please address to BOCIPrudential's Data Privacy Officer in writing via DataProtection@bocpt.com or at /F, Citicorp Centre, 8 Whitfield Road, Causeway Bay, Hong Kong.. You should consider your own risk tolerance level and financial circumstances before making any investment choices. In your selection of funds, if you are in doubt as to whether a constituent fund is suitable for you (including whether it is consistent with your investment objectives), you should seek independent financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances. 4. You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy ("DIS" as defined in section.a headed "MPF Default Investment Strategy" of the Principal Brochure of My Choice Mandatory Provident Fund Scheme (the "Scheme")). You should note that the My Choice Core Accumulation Fund and the My Choice Age 65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the My Choice Core Accumulation Fund and the My Choice Age 65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the MPF Default Investment Strategy is suitable for you, and make the investment decision most suitable for you taking into account your circumstances. 5. You should note that the implementation of the MPF Default Investment Strategy may have an impact on your MPF investments and benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected. 6. The My Choice MPF Conservative Fund of the Scheme does not guarantee the repayment of capital. Investment in the My Choice MPF Conservative Fund and My Choice RMB & HKD Money Market Fund is not the same as placing funds on deposit with a bank or deposit taking company and that the Trustee has no obligation to redeem the investment at the subscription value. In addition, the My Choice MPF Conservative Fund and My Choice RMB & HKD Money Market Fund are not subject to the supervision of the Hong Kong Monetary Authority. 7. Fees and charges of a MPF conservative fund can be deducted from either: (i) the assets of the fund; or (ii) members' account by way of unit deduction. The My Choice MPF Conservative Fund uses method (i) and, therefore, unit prices/ Net Asset Value/ fund performance quoted have incorporated the impact of fees and charges. 8. Investment involves risks. Past performance is not indicative of future performance. Price of units and investment returns may go down as well as up. 9. The following information is for your reference only. You should not solely rely on the standalone information to make any investment decision. Please refer to the Principal Brochure of the Scheme for details (including risk factors and fees and charges) before making any investment decision. 0

My Choice MPF Scheme Editorial Notes CEO of BOCIPrudential Trustee Limited Mr.

Starting from midmay, we will deliver fullcolour Annual Benefit Statements to provide better customer experience.

2 My Choice MPF Scheme Editorial Notes CEO of BOCIPrudential Trustee Limited Mr. Alex Chu In the first quarter of 08, we have received multiple accolades from the MPF Ratings, among which My Choice MPF Scheme has won "MPF Ratings Gold Rated Scheme" and "5 Year Consecutive Gold" award. Moreover, we have been awarded "Excellent Brand of MPF Online Platform" for the third consecutive year at the "Hong Kong Leaders' Choice Brand Awards 08" organised by Metro Finance. We will take it as a driving force and continue our efforts to provide premier MPF services and be your best MPF partner. Starting from midmay, we will deliver fullcolour Annual Benefit Statements to provide better customer experience. We also welcome you to join the MPF member briefing sessions where our MPF specialists can help your employees to understand and review their MPF Annual Benefit Statements. For details, please refer to the "Latest News" in the newsletter. Overview of Latest Awards & Events 08 BOCIPrudential won "Hong Kong Leaders' Choice Excellent Brand of MPF Online Platform" for the third consecutive year We are honoured to announce that we have been awarded "Excellent Brand of MPF Online Platform" for the third consecutive year at the "Hong Kong Leaders' Choice Brand Awards 08" organised by Metro Finance. This accolade is one of the prestigious awards to qualifying valuable brands by prominent industry leaders, business tycoons and renowned experts of different sectors, which reaffirms our leading position in providing excellent online MPF management services. With their extensive support and witness, the voting result represents an objective and professional recognition based on public preference, as well as academic and industry benchmark and has proven to be highly creditable and trustworthy. It is such an encouragement to us and we believe, by continuing our wholehearted commitment to providing premium products & service experience and upholding the benefits for our customers, we will elevate MPF online services to new heights!

My Choice Mandatory Choice Provident MPF Fund Scheme Scheme 08 08 08 08 5 08 5 8 00 http://www.mpfratings.com.

3 My Choice Mandatory Choice Provident MPF Fund Scheme Scheme MPF Awards MPF Ratings' 08 Gold Rated Schemes My Choice Mandatory Provident Fund Scheme 5Year Consecutive Gold Ratings for 08 My Choice Mandatory Provident Fund Scheme 5year Consistent Performer Equity Fund (HK & China) My Choice Mandatory Provident Fund Scheme My Choice China Equity Fund 5year Consistent Performer Mixed Asset Fund (8 00) My Choice Mandatory Provident Fund Scheme My Choice Growth Fund Source MPF Ratings. The award was based on MPF Ratings' selection criteria. For details, please refer to This award information is for informational purposes only and does not constitute any distribution, offer or solicitation to buy or sell. Past performance is not indicative of future performance. You should not solely rely on the standalone marketing material to make any investment decision. MPF Hot Topics Welcome to submit MPF contribution and remittance statement electronically Go green and consider submitting MPF contributions and remittance statement via electronic means you will be free from the hassle of handwriting and mailing by preparing electronic contribution data files and making contributions electronically via our various channels. Make MPF contrib ibutions electronically Set up direct debit authorization (Autopay) Make payment for MPF contributions by echeque upload the echeque file through employer MPF account BOCHK echeque Drop Box, select "echeque Bill Payment" send echeque to BOCIPrudential through services of BOCNET HK / CBS Online Make online payment via BOC Corporate Banking Services Online (CBS) of BOC(HK), Nanyang Commercial Bank and Chiyu Banking Corporation BOCIPrudential Trustee Limited 004

My Choice MPF Scheme Submit Remittance Statement electronically Log in to Employer MPF account and use the "ers" function to submit contribution data and the enrollment / termination records of

electronic contribution data file to us Log in to Employer MPF account and upload the electronic Remittance Statement (in jpg, png, tif or pdf format) to us Latest News 08 BOCPT MPF Human Resources

com Starting from now until Dec 08, we are pleased to offer to our eligible valued customers a waiver of up to years only on the annual fee on the use of the HR and payroll management system (to

We are pleased to arrange introductory sessions for your company. 07 8 Calling for Good MPF Employers in 078!

4 My Choice MPF Scheme Submit Remittance Statement electronically Log in to Employer MPF account and use the "ers" function to submit contribution data and the enrollment / termination records of employees online (only applicable to employers who have successfully applied for the "Advanced Mode Login" function) Use our free contribution software "PayEasy" or "SmartCon", or upload the electronic contribution data file to us Log in to Employer MPF account and upload the electronic Remittance Statement (in jpg, png, tif or pdf format) to us Latest News 08 BOCPT MPF Human Resources and Payroll Management System Offer () 90 89MyMPFinfo@bocpt.com Starting from now until Dec 08, we are pleased to offer to our eligible valued customers a waiver of up to years only on the annual fee on the use of the HR and payroll management system (to which terms and conditions apply). You are more than welcome to contact us at or via MyMPFinfo@bocpt.com for more details of the above HR and Payroll Management System Offer. We are pleased to arrange introductory sessions for your company Calling for Good MPF Employers in 078! Delivery of Annual Benefit Statement for Scheme Year 078 he Good MPF Employer Award 078, organized by the Mandatory Provident Fund Schemes Authority (MPFA), is inviting applications. The Award aims to promote and foster employers' compliance with MPF legislation; encourage employers to provide better retirement benefits for their employees; and recognize employers who are exemplary in enhancing the retirement benefits of their employees. Starting from last year, two new awards have been added to the programme: the econtribution Award, for efforts to adopt an electronic system for MPF administration, and the Support for MPF Management Award, for efforts to encourage employees to actively manage their MPF. Companies/organizations that qualify for the Good MPF Employer Award and fulfil the assessment criteria for one or both of the new awards will receive extra recognition. This year, employers can submit their application form online on MPFA's Good MPF Employer Award website. Employers can also submit the form by , fax or post, or in person. Go online and play a part in protecting the environment! Don't hesitate! Make your application and be a Good MPF Employer by 0 June! (MPFA s Hotline: 9 ) 5 08 We shall deliver the Annual Benefit Statements together with the 08 st Quarter Fund Fact Sheet to participating employers and members starting from midmay. This year, we will print fullcolour Annual Benefit Statements to provide better customer experience. Free Briefing Sessions for My Choice MPF Scheme Members (85) 90 89MyMPFinfo@bocpt.com BOCIPrudential Trustee Limited My Choice MPF member briefing sessions are now available for registration free of charge! Our MPF specialists can pay a visit to your office and provide MPF market updates, help you review MPF annual benefit statement, answer MPFrelated enquiries and assist your employees to consolidate their MPF accounts. For reservation, please call the enrolment hotline at (85) or contact us via MyMPFinfo@bocpt.com Should you have any queries, please do not hesitate to contact our Customer Services Representatives at: MPF Administration Hotline:

My Choice MPF Scheme Performance of Constituent Funds Cumulative Performance Fund Name Fund Descriptor Launch Date Fund Price months year years 5years 0years Return Since Return Return Return Return

5 My Choice MPF Scheme Performance of Constituent Funds Cumulative Performance Fund Name Fund Descriptor Launch Date Fund Price months year years 5years 0years Return Since Return Return Return Return Return Inception My Choice Growth Fund My Choice Balanced Fund My Choice Stable Fund My Choice Global Equity Fund My Choice Asia Equity Fund My Choice China Equity Fund My Choice Hong Kong Equity Fund My Choice Hong Kong Tracking Fund My Choice Global Bond Fund My Choice HKD Bond Fund My Choice RMB & HKD Money Market Fund My Choice MPF Conservative Fund My Choice Core Accumulation Fund 65 My Choice Age 65 Plus Fund ( ) 8/07/ Mixed Assets Fund Global Maximum equity around 90% ( ) 85% Mixed Assets Fund Global Maximum equity 85% ( ) 60% Mixed Assets Fund Global Maximum equity 60% Equity Fund Global Equity Fund Asia Pacific Equity Fund China Bond Fund Global Bond Fund Hong Kong () Money Market Fund China & Hong Kong ( ) Money Market Fund Hong Kong 65% Mixed Assets Fund Global Maximum equity 65% 5% Mixed Assets Fund Global Maximum equity 5% ^ Calendar Year Performance^ 8/07/ /07/ /07/ /07/ /07/ /07/ /07/ /07/ /07/ /0/ /07/ /04/ /04/ % 0.0% 0.8%.06% 0.45%.%.%.6%.4% 0.9%.0% 0.00% 0.44% 0.05% 9.7% 4.87%.97% 8.%.6% 4.76% 9.96% 7.66%.5% 0.6% 8.4% 0.0% 8.%.57%.% 47.84% 0.00% 4.0% 4.90%.98% 4.0% 45.07% 8.06% 4.4% 7.%.% 57.0% 0.% 5.7% Fund Name Fund Descriptor Year To Date My Choice Growth Fund My Choice Balanced Fund My Choice Stable Fund My Choice Global Equity Fund My Choice Asia Equity Fund My Choice China Equity Fund My Choice Hong Kong Equity Fund My Choice Hong Kong Tracking Fund My Choice Global Bond Fund My Choice HKD Bond Fund () My Choice RMB & HKD Money Market Fund Money Market Fund China & Hong Kong My Choice MPF Conservative Fund My Choice Core Accumulation Fund 65 My Choice Age 65 Plus Fund ( ) Mixed Assets Fund Global Maximum equity around 90% ( ) 85% Mixed Assets Fund Global Maximum equity 85% ( ) 60% Mixed Assets Fund Global Maximum equity 60% Equity Fund Global Equity Fund Asia Pacific Equity Fund China Bond Fund Global Bond Fund Hong Kong ( ) Money Market Fund Hong Kong 65% Mixed Assets Fund Global Maximum equity 65% ( ) 5% Mixed Assets Fund Global Maximum equity 5% 7.8% 4.94%.9% 8.57%.% 5.6%.% 5.87% 8.%.9% 0.0% 7.7% 9.56% 5.96% 5.54% 4.%.% 8.%.84% 0.76%.98% 0.0%.96%.05%.74%.8% 4.65% 5.68%.57%.45%.69% 4.67% 0.4% 0.0%.9%.4% 5.7% 0.0%.47%.55%.54%.48% 6.% 6.5% 4.% 7.6% 5.84%.7%.67% 0.0% 70.% 5.8% 5.% 0.04%.6%.5%.60% 8.0% 5.64%.0%.9%.0%.57%.55%.79% 0.0% 8.8%.84% 6.9% 7.% 4.95% 48.04% 4.48% 9.8%.78%.5% 6.99% 0.0% 8.59%.5% 77.4% 6.7% 45.86% 9.50% 7.94% 9.4% 70.9% 5.89% 7.6%.70% 6.0% 0.7% 8.%.57% 0.8% 0.0% 0.8%.06% 0.45%.%.%.6%.4% 0.9%.0% 0.00% 0.44% 0.05% 08 9 Data as of 9 March 08. Investment involves risks. Past performance is not indicative of future performance. Price of units and investment returns may go down as well as up. Please refer to the Principal Brochure of the Scheme for details (including risk factors and fees and charges) before making any investment decision. If the history of the constituent fund is less than year in the calendar year, the corresponding calendar year performance will be calculated from the inception date to that calendar yearend. The prices of constituent funds were calculated after deduction of investment management fee and other respective charges. For details of other fees and charges, please refer to Section 7 "Fees and Charges" of the Principal Brochure of My Choice MPF Scheme. Performance of constituent funds is calculated in HKD on NAVtoNAV basis with gross dividend reinvested. Issuer: Pamphlet BOCIPrudential Issuer: BOCIPrudential Trustee Trustee Limited Limited 040 0

Newsletter_Issue 3_2018_Revision_4A.ai

Newsletter_Issue 3_2018_Revision_4A.ai 08 Employers' MPF Newsletter 08 Issue IMPORTANT INFORMATION.. DataProtection@bocpt.com 8. 4..A ) 65 65 ( ) / 5. 6. 7. 8. 9.. This Newsletter is for informational purposes only. The contents of the Newsletter