NCB Wealth Management VIP

Great rewards come from harmonious cooperation.

That is why NCB Wealth Management VIP works with you every step of the way. Providing you with professional advice. Helping you navigate fast changing markets. Through our range of tailor-made services, you can maximise your wealth potential - achieving great rewards Together.

With NCB Wealth Management VIP, you receive the exclusive benefits and professional services reserved only for those of your privileged status, while making the most of every opportunity to grow your wealth further.

Comprehensive and professional wealth management services
VIP Services
Privileged banking services
Exquisite lifestyle services

Comprehensive and professional wealth management services

Personalised Financial Planning Service
The customised and comprehensive financial planning service of NCB Wealth Management VIP helps you effectively manage and maximize the potential of your wealth. Our "Wealth MaxiWiser" is, a sophisticated financial planning tool we use to help develop short-, medium- and long-term financial solutions for you in accordance with your financial goals and risk tolerance level. To ensure you stay on track to achieving your financial goals, your portfolio is monitored and reviewed regularly as the market changes .

Designated Personal Financial Services Manager
A Personal Financial Services Manager is assigned to you to provide you with tailored wealth management services. No matter what your financial needs may be, your Personal Financial Services Manager is always ready to assist you with the utmost professionalism.

Personalised Insurance Service¹
A personalised insurance plan assures that you and your family's financial future will be protected at each and every stage of your life. NCB Wealth Management VIP offers you a complete package of insurance solutions that are managed in conjunction with your overall financial plan.

Personalised Investment Deposits Service
NCB Wealth Management VIP provides you with the widest range of investment choices so you can take advantage of the opportunities as they arise. Our structured deposits ² can be tailored to meet your return expectations and time horizon.

Convenient Cross-Border Banking Services
You can make appointment for opening an Nanyang Commercial Bank (China) (NCB (China)) account or other banking services in the Mainland through our branches. The moment you reach the destination, we will be ready to serve your needs. Extra discount for remittance services and repayment services for mortgage loan are also available for dual-account customers for our Bank and NCB (China).

"Capital Investment Entrant Scheme" Account Service
Our Bank is pleased to offer successful entrants of the "Capital Investment Entrant Scheme" (the "Scheme") with a wide range of wealth management services, enquiry services for the Scheme, and tailor-made privileges for the Scheme.

VIP Centre
In our VIP Centre, you receive the superior level of care and attention that you deserve. In a comfortable, relaxing and highly private environment, you can meet with your Personal Financial Services Manager to obtain professional financial advice and discuss your personal financial goals for short-, medium- and long-term.

Priority Counter Services
Simply present your NCB Wealth Management VIP Card for priority counter service at all our branches.

24-hour Manned Phone Banking Services
Managing your personal finances has never been easier or more convenient with our NCB Wealth Management VIP 24-hour Manned Phone banking Services, accessible whenever and wherever you are.

International Toll-free Service
When you are travelling in mainland, our NCB Wealth Management VIP 24-hour Manned Phone Banking Service is available toll-free for you. Simply by dialing the designated phone number for the respective area.

NCB Wealth Management VIP customers enjoy an array of exclusive banking services befitting their prestigious status, such as:

• preferential fund subscription fees and investment service charges
• preferential interest rates on deposit and credit facilities
• credit card annual fee waiver
• pre-arranged remittance services
• protection against bounced cheques ³
• secured overdraft facility

3	You can automatically enjoy an overdraft protection against bounced cheques of up to HK$10,000 if you maintain a monthly average of HK$500,000 or more during the preceding month.

Bonus Points Scheme
NCB Wealth Management VIP rewards you in numerous exciting ways. You can earn NCB Wealth Management VIP bonus points by making transactions related to investment funds, securities trading, as well as specified transactions, and make use of the bonus points to redeem preferential offers on banking services.

Worldwide Leisure Hotline Service
Enjoy life as it should be, as a NCB Wealth Management VIP customer. Our Worldwide Leisure Hotline Service provides you with a host of consultative services, such as event planner, holiday planner, hotel reservation and advice, fine dining, personal secretary, dietician's advice, and golf course referrals and reservations - all for free because your lifestyle demands it.

24-hour Personal Emergency Assistance Service
Say goodbye to daily trivialities with the extra convenience and protection of this service. By simply dialing the Assistance Service Hotline, you can take advantage of services such as emergency vehicle repair, vehicle towing service, consultancy service on motor claims and traffic regulations, assistance on electric power failure, plumbing assistance, locksmith assistance as well as medical house call/dental appointment service.

To find out more, visit your nearest branch of Nanyang Commercial Bank or call our Customer Service Hotline at (852) 2622 2633.

Website: www.ncb.com.hk

Risk Disclosure

Structured Deposit:1. Interest rates and currency exchange rates may and do fluctuate from time to time. These fluctuations may affect the interest return on this Deposit. If the interest rates or currency exchange rates move against you, you may receive only the principal amount of this Deposit at maturity and no interest return. 2. This Deposit is neither transferable nor negotiable. You cannot withdraw any part of this Deposit before maturity unless with our consent and you may incur economic costs or losses as a result of early withdrawal. Where it is expressly provided in this term sheet and subject to those provisions, we may repay this Deposit before maturity at our discretion. 3. This Deposit differs from and is not a substitute for a traditional time deposit. You must be prepared to risk the interest that you might otherwise have earned on money placed as a traditional time deposit of the same tenor. The interest rates offered by us on traditional time deposits are attached for your reference. 4. You should consult your own professional advisers if you have any question or concern about this Deposit.

The prices of securities fluctuate, sometimes dramatically. The price of securities 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 securities.

The risk of loss in leveraged bullion/foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. 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 margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives.

Foreign currency investments are subject 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 currency.

While an investment provides you with a profit-taking opportunity, there is an inherent risk in every investment instrument. The Forex market is a rapidly changing market; and option trading does not guarantee a positive return. Your principal amount and interest deposited may increase or decrease in option trading. Movements in exchange rates may in the worst case result in your losing the entire deposit principal and interest. The Linked Currency paid to you in satisfaction of the deposit will be a weakened currency. You should consult an independent financial adviser before making an investment decision. The information provided above is for reference only, and does not constitute any investment or option trading recommendation.

The outcome of an investment in an Equity-Linked Deposit will depend upon market conditions during the deposit period. The price of the linked stock may go up or down during such period. The market value of the linked stock (if applicable) credited to you is more than likely to be lower than the principal amount of the Equity-Linked Deposit. You should be prepared to accept the principal amount of an Equity-Linked Deposit being returned in the form of the linked stock. You should understand the extent of the exposure to risk inherent in an Equity-Linked Deposit. There is no guarantee that you will get a return on your investment or any yield from an Equity-Linked Deposit. You may suffer capital loss if the price of the linked stock goes down and in extreme cases, you may lose a substantial part of the principal amount. Equity-Linked Deposit is neither an ordinary time deposit nor should it be treated as a substitute for such. You have been advised to consult professional advisers in case of any concerns about the nature of an Equity-Linked Deposit.

Risks are involved in investment in funds and unit trust. The prices of funds and unit trusts fluctuate, sometimes dramatically. The price of funds and unit trust may move up and 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 trust. Past performance is not indicative of future returns. You should read carefully the offering documents for details before making any investment decision.