Smart Tips

1.Mobile Banking Service
   Personal finances at your fingertips

As the smartphone gets popular, mobile banking is becoming one of the main channels for managing personal finances. BOCHK has recently upgraded its mobile application services covering:

Please search for "BOCHK" at App Store and Android Market to download the application for free.

Note : You are responsible for the data charges imposed by the service providers.

The above products and services are subject to the relevant terms and conditions. For details, please visit BOCHK website at www.bochk.com or refer to the relevant promotional materials or call Personal Customer Hotline (852) 3988 2388 to contact BOCHK staff.

2. Fund Information – Focus Funds

With an array of funds in the market, how can you choose the ones that most suit your needs? To help you with this, BOCHK offers a Quarterly Focus Funds list, from which you can select funds according to your risk appetite and market preference to grasp the investment opportunities.

Professional selection procedure: Our selection is based on the systematic data analysis on two quantitative indicators – the consistent return and preservation (using Lipper's data) and qualitative analysis on the quality and stability of the fund’s investment team and its investment strategies. Our quarterly outlook on different markets also contributes to the selection process and helps to define a list of focus funds to serve as a reference for your long-term investment portfolio.

Click here to review the latest quarterly Focus Funds list
OR
visit the BOCHK website for the latest Focus Fund list BOCHK website at www.bochk.com Investment Services Fund
 buttonSelect "Focus Funds – 
3rd Quarter 2011" under "What's New"

For enquiries, please visit any of BOCHK branches or
call BOCHK Customer Service Hotline at (852) 3669 3668.

Financial Management Glossary

Balanced Funds Also known as mixed assets funds. This kind of fund invests in a mixture of equities, bonds and/or money market instruments, and aims to achieve capital appreciation and a stable income, as well as capital protection. Reference: http://www.hkifa.org.hk/eng/educationalmt_ glossary.aspx#BalancedFund

Privileges for i-Free Customers

Universal Travel Insurance Promotion From now until 31 August 2011, you can enjoy up to 15% premium discount for successful enrollment in Universal Travel Insurance via BOCHK Internet Banking or BOCHK website at www.bochk.com. With premium as low as HK$66, you can enjoy Double Accident Protection of HK$1,000,000. This promotion is subject to relevant terms and conditions. Details>>

BOCHK Precious Metal and FX Margin Trading Services BOCHK Precious Metal and FX Margin Trading Services provide you with a stable trading platform. Trade via the new mobile banking trading platform or BOCHK Internet Banking, you can enjoy as low as 4 basis points# trading spread privilege. Investment involves risks. Details>> #This offer is only applicable to 20 lots in each transaction, and depending on the trading currency and market condition.

Risk Disclosure

This promotional material is for reference only. It does not constitute any offer, solicitation or recommendation to the purchase or sale of any investment products or services.
Investment involves risks. The price of investment products may go up and down. Part of the investment may not be able to liquidate immediately under certain market situation. You should assess your financial situation, investment objectives and experience, risk acceptance and ability and understand the nature and risks of the relevant product before making any investment decisions. For the nature and risks involved of individual investment product, please refer to the relevant offering documents. You should seek independent financial advice before making any investment decision. Certain mutual funds and unit trusts ("Investment Funds") are structured products involving derivatives. The investment decision is yours but you should not invest in any Investment Fund unless the intermediary who sells such Investment Fund to you has explained to you that such Investment Fund is suitable for you having regard to your financial situation, investment experience and investment objectives.

This promotional material is issued by Bank of China (Hong Kong) Limited. The contents of this promotional material have not been reviewed by the Securities and Futures Commission of Hong Kong.

The following risk disclosure statements do not purport to disclose all of the risks involved in Precious Metal/FX Margin Trading. You should carefully consider whether Precious Metal/FX Margin Trading are suitable for you in light of your own financial position and investment objectives. You are advised to seek independent financial and professional advice if you are uncertain of or do not understand any aspect of the following risk disclosure statements or the nature of and risks involved in Precious Metal/FX Margin Trading.

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.

Disclaimer

This promotional material is for reference only. It is not and does not constitute any offer, solicitation or recommendation to buy or sell any investment product or service, or to effect any transaction. In case of any discrepancy(ies) between the Chinese and English versions, the Chinese version shall prevail.