2 MONTHS RMB FIXED DEPOSIT*^ 3.8 INTEREST RATE UP TO % p.a. 3 Months RMB Fixed Deposit with interest rate up to 3.15% p.a. is also available. Offer is for a limited time only. Please visit any OCBC Wing Hang branch to place a deposit now. 2815 9919 www.ocbcwhhk.com * For details, please refer to the attached Specific and General Terms and Conditions. ^ This is an illustration for reference only. 華僑永亨銀行有限公司 OCBC Wing Hang Bank Limited Risk Disclosure: Renminbi (“RMB”) deposit is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses if customer subsequently converts RMB to another currency (including Hong Kong dollars). RMB is currently not freely convertible. Conversion of RMB is subject to restrictions which are subject to changes from time to time without prior notice. There are limitations on RMB exchange & remittance. For instance, for a personal customer holding Hong Kong identity card, conversion to/from RMB is currently subject to a respective daily limit of RMB20,000 per person per day. Specific Terms & Conditions: 1. 2 Months RMB Fixed Deposit Special Interest Rate a. The aforementioned 3.8%p.a. special interest rate is only applicable to customer who converts “New Fund” (as defined in Clause 6 of the “Specific Terms and Conditions” below) or existing fund into Renminbi (RMB) for making a 2 months RMB fixed deposit at RMB300,000 or above via any branches of OCBC Wing Hang Bank Limited (the “Bank”) from 4th November 2014. The New Fund deposited into the Bank by the customer for converting into RMB for the placement of 2 months RMB fixed deposit at RMB300,000 or above should be in the form of cheque / cashier order, telegraphic transfer or CHATS from other banks. b. To be entitled to the special interest rate, the amount of RMB exchange should not be less than the 2 Months RMB Fixed Deposit amount placed by the customer. 2. 3 Months RMB Fixed Deposit Special Interest Rate The aforementioned 3.15%p.a. special interest rate is only applicable to customer who brings in New Fund in the form of cheque / cashier order, telegraphic transfer or CHATS from other banks for making a 3 months RMB fixed deposit at RMB300,000 or above via any branches of the Bank from 4th November 2014. 3. To be entitled to the special interest rates for tenor of 2 months and 3 months, customer who converts funding into RMB via the Bank for the aforementioned 2 months and 3 months RMB fixed deposit placement should keep the whole principal in his / her related savings account of the Bank before his / her 2 months and 3 months RMB fixed deposit placement. 4. The offer of the aforementioned special interest rates for tenor of 2 months and 3 months are limited and are available on first-come-first-served basis. 5. The aforementioned special interest rate privileges are an illustration for reference only and it may be revised subject to prevailing market conditions. Please contact the branches of the Bank for details. 6. “New Fund” refers to fund newly deposited into the bank in the forms of cash, cheque / cashier order, telegraphic transfer or CHATS from other banks. It does not include the customer’s deposit amount currently placed with the Bank and must not be withdrawn / transferred from any account(s) with the Bank. The net increase in such deposit amount as a result of depositing new fund shall be compared with the customer’s average deposit amount with the Bank during previous calendar month immediately preceding the day of the customer’s deposit of the new fund in accordance with the foregoing terms. 7. Fixed deposit interest rate is fixed by the Bank at the inception or renewal of the time deposit and will be displayed at branch lobby of the Bank where the fixed deposit account is opened. General Terms and Conditions: 1. The above privileges are subject to certain terms and conditions. Customer cannot enjoy any of the above privileges in conjunction with any other promotion offers of the Bank. 2. For personal customers holding Hong Kong identity card, conversions conducted through RMB deposit accounts with banks in Hong Kong are subject to the limit of up to RMB20,000 per person per day. Personal customers holding Hong Kong identity card should allow time for conversion of RMB from/to another currency of an amount exceeding the daily limit. 3. The Bank has the right to suspend, amend, vary and / or terminate all or any of the above privileges and / or the Specific and / or General Terms and Conditions herein or any part thereof from time to time and at any time without notice to or consent of any customer. The Bank’s decision and interpretation on all matters and / or disputes concerning or arising from any of the above privileges and / or the Specific and / or General Terms and Conditions herein or any part thereof (including without limitation all or any definitions herein) shall be final, conclusive and binding on all customers. 4. All deposit and investment products will be subject to the terms and conditions of the relevant account opening documentation. 5 If there is any discrepancy between the English and the Chinese versions hereof, the English version shall prevail.