The art of creative living and financial management.

How can you free yourself from the daily trivialities and have more time to enjoy life? Nanyang Commercial Bank's newly-launched i-Free Integrated Account Service gives you the answer. i-Free blends the art of creative living and financial management. It offers you more than a comprehensive solution to meet your sophisticated needs for financial services while helping you grasp every opportunity to grow your wealth.

All-around Personal Financial Services

i-Free Integrated Account Service offers you a personalized financial solution designed to meet your diverse needs for deposit, investment, insurance as well as credit facility.

What's more, i-Free Customers are eligible to enjoy privileged interest rate*, preferential brokerage fee of securities trading *, discount on fund subscription fee * and competitive interest rates for "iSmart" Personal Loan*.

* For details, please contact any of our branches.

Free Investment Access

You can flexibly and conveniently manage your finances via our Internet Banking, Phone Banking or Mobile Banking wherever and whenever you are.

i-Free Customers simply register your securities account via Internet Banking.

• Conduct investment in securities, Premium Deposit Series, Equity-Linked Deposit, FX margin trading, precious metals, investment funds and Monthly Savings Plans and the like.

• Access to timely stock information such as real-time stock quotes (inclusive of bid-ask queue and broker queue), comprehensive market commentary, new shares information, various stock charts, financial and economic news, and market analyses.

• Rate quotes including deposit rates, reference preferential interest rates of Equity-Linked Deposit and Premium Deposit Series, foreign exchange rates, precious metals prices, stock quotes and fund prices.

• Change your user name, password and contact information, order cheque books, check account balance and request consolidated monthly statements.

Combining the features of both HKD savings account and current account, "CurrentPlus" Integrated Account provides you with the opportunity to earn interest whilst taking advantage of the convenience brought by current account.

A comprehensive range of insurance plans is available for your peace of mind at different stages of life.

Protection against bounced cheques

You can automatically enjoy an overdraft protection against bounced cheques of up to HK$5,000 on condition that you maintain a monthly average wealth balance of HK$100,000 or more in the previous month. The interest of overdraft amount will be calculated based on our prevailing overdraft interest rates.

Conduct designated banking transactions and earn yourself i-Free Integrated Account Services Bonus Point.

Bonus Points Transfer Program for i-Free

Type of transaction	Fund	Securities	Equity-Linked Deposit	Premium Deposit Series
For every transaction amount equivalent to HK$1000	30 bonus points	3 bonus points	1 bonus point	1 bonus point

Risk Disclosure

The prices of securities and debt securities fluctuate, sometimes dramatically. The price of a security and debt security 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.

Risks are involved in investment in funds and unit trusts. The price of funds and unit trusts fluctuate, sometimes dramatically. The price of funds and unit trusts may move down as well as up, 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. Customer should read carefully the offering documents for details before making any investment decision.

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 fixed deposit nor should it be treated as a substitute for such. You have been advised to consult professional advisors in case of any concerns about the nature of an Equity-Linked Deposit.

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 advisor before making an investment decision. The information provided above is for reference only, and does not constitute any investment or option trading recommendation.

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 "top-loss" or "top-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.