Points to note for Account Summary

Points to note for Portfolio Summary

1. Customers holding any US securities with the Bank are reminded that your data may be provided, disclosed and transferred to the tax authorities of the United States (or any of their appointed auditor(s) or agent(s)) for their use pursuant to the reporting obligations of the Bank.
2. Indicative costs are calculated as follows:

   a)

   for securities purchased prior to 3 July 2009, the [purchase price] of the securities were based on their latest available market price as of 3 July 2009 (for listed securities, they are based on the closing price of the securities on 3 July 2009 (if 3 July 2009 is not a trading day, such other trading day as may be determined by the bank); for mutual funds/unit trusts, they are based on their latest available price on the last trading day of June 2009); and

   b)

   for securities purchased after 3 July 2009, the ""Average Costs"" were calculated by dividing the total purchase price paid for the securities[/funds] in each relevant transaction (excluding brokerage fees, stamp duty and other expenses) by the total number of shares[/units] [held as of the date of this statement]."

3. Products under the categories "Cash", "Deposit" & "Other Cash Investments" of Portfolio Details (EXCEPT products with a description starting with "Yield-Enhanced Deposit" or "Equity Linked Deposit", a "Time Deposit" that has a tenor of more than five years or a "Leverage Deposit" that has a tenor of more than five years) are qualified for protection by the Deposit Protection Scheme in Hong Kong.
4. For non Hong Kong residents, you should notify the Bank immediately if you at any time have become a holder of Hong Kong Identity Card or if the status with respect to your right of abode in Hong Kong has changed.
5. The accrued interest amount shown above has not yet been received from the respective issuer(s) and is for your information only. Your account will only be credited upon receipt by the Bank of such sum.
6. Securities are held on your behalf under our name or the name of Ting Hong Nominees Limited or such other nominee we may designate at our sole discretion, and safekept with DBS Vickers (Hong Kong) Limited, or such other sub-custodian we may designate at our sole discretion.
7. Information and market price shown are based on data obtained from sources believed to be reliable by the Bank on best effort basis, subject to the availability of the market price in the market. The Bank and the information provider(s) make no representation and accept no responsibility or liability to the customer as to the accuracy or completeness of such information and shall not be held liable for damages arising out of any person's reliance upon this information. This information is neither a recommendation, an offer to sell nor solicitation of an offer to purchase any investment. The prices quoted and the other information shown are for reference only and are subject to change without notice.
8. Under Shanghai Hong Kong Stock Connect, the stock settlement date (i.e. T+0) and the cash settlement date (i.e. T+1) do not fall on the same day. This difference in settlement time of stock and cash may give rise to fluctuations in the Total Portfolio value. Before the cash settlement date (i.e. T+1), the Total Portfolio value may not reflect the net position after the trade. The actual net position of the Total Portfolio value will be reflected on next trading day (i.e. T+1) after cash settlement. For details, please call our Customer Services Hotline at 2290 8888.

Points to note for Deposit Account Summary

1. Balances converted from foreign currencies into HKD equivalent are indicative only.

Points to note for Credit Card Account Summary

1. The current balance of Credit Card Accounts is updated to show the most recently posted transactions, which usually include those posted yesterday.

Points to note for Investment Account Summary

1. Product Risk Rating ("PRR") is shown before the name of your Investment Fund holdings or after the name of your Bond, Note, Structured Investment Deposit (SID), Premium Deposit and Equity Linked Deposit holdings. The PRR is classified into P1/P2/P3/P4/P5 with P5 being the highest risk rating. The PRR is not applicable to your stock holdings and only applicable to retail customers. It is based on the latest information available and is subject to change from time to time. Please note that the PRR is for your reference only. For enquiries, please contact our branch staff.
2. Balances converted from foreign currencies into HKD equivalent are indicative only.
3. The market value of Securities Account is based on settled quantity of stocks/bonds and is updated to show the most recently posted transactions, which usually include those received on the last business day.
4. The market value of Investment Fund Account is updated to show the most recently posted transactions, which usually include those received on the last business day.
5. The Balance / Market Value of all non-Hong Kong dollar denominated investment product transactions in the Securities Account are also shown in Hong Kong dollar equivalent, which is indicative and for reference only. For details, please call our Customer Services Hotline at 2290 8888.
6. Under Shanghai Hong Kong Stock Connect, the stock settlement date (i.e. T+0) and the cash settlement date (i.e. T+1) do not fall on the same day. For details about settlement arrangement of Stock Connect, please refer to http://www.hkex.com.hk/chinaconnect.

Points to note for Portfolio Summary

1. Customers holding any US securities with the Bank are reminded that your data may be provided, disclosed and transferred to the tax authorities of the United States (or any of their appointed auditor(s) or agent(s)) for their use pursuant to the reporting obligations of the Bank.
2. Indicative costs are calculated as follows:

   a)

   for securities purchased prior to 3 July 2009, the [purchase price] of the securities were based on their latest available market price as of 3 July 2009 (for listed securities, they are based on the closing price of the securities on 3 July 2009 (if 3 July 2009 is not a trading day, such other trading day as may be determined by the bank); for mutual funds/unit trusts, they are based on their latest available price on the last trading day of June 2009); and

   b)

   for securities purchased after 3 July 2009, the ""Average Costs"" were calculated by dividing the total purchase price paid for the securities[/funds] in each relevant transaction (excluding brokerage fees, stamp duty and other expenses) by the total number of shares[/units] [held as of the date of this statement]."

3. Products under the categories "Cash", "Deposit" & "Other Cash Investments" of Portfolio Details (EXCEPT products with a description starting with "Currency Linked Investment" ("CLI"), "Structured Investment Product" ("SIP") or "Equity Linked Deposit" ("ELD"), a "Time Deposit" that has a tenor of more than five years or a "Leverage Deposit" that has a tenor of more than five years) are qualified for protection by the Deposit Protection Scheme in Hong Kong.
4. For non Hong Kong residents, you should notify the Bank immediately if you at any time have become a holder of Hong Kong Identity Card or if the status with respect to your right of abode in Hong Kong has changed.
5. The accrued interest amount shown above has not yet been received from the respective issuer(s) and is for your information only. Your account will only be credited upon receipt by the Bank of such sum.
6. Securities are held on your behalf under our name or the name of Ting Hong Nominees Limited or such other nominee we may designate at our sole discretion, and safekept with DBS Vickers (Hong Kong) Limited, or such other sub-custodian we may designate at our sole discretion.
7. Information and market price shown are based on data obtained from sources believed to be reliable by the Bank on best effort basis, subject to the availability of the market price in the market. The Bank and the information provider(s) make no representation and accept no responsibility or liability to the customer as to the accuracy or completeness of such information and shall not be held liable for damages arising out of any person's reliance upon this information. This information is neither a recommendation, an offer to sell nor solicitation of an offer to purchase any investment. The prices quoted and the other information shown are for reference only and are subject to change without notice.
8. Under Shanghai Hong Kong Stock Connect, the stock settlement date (i.e. T+0) and the cash settlement date (i.e. T+1) do not fall on the same day. This difference in settlement time of stock and cash may give rise to fluctuations in the Total Portfolio value. Before the cash settlement date (i.e. T+1), the Total Portfolio value may not reflect the net position after the trade. The actual net position of the Total Portfolio value will be reflected on next trading day (i.e. T+1) after cash settlement. For details, please call our Customer Services Hotline at 2290 8888.
9. The Transaction Type of Structured Investment Products ("SIP") shown under Cash Transaction of Your Transactional Details may not represent the SIPs themselves are directly related to any Stock Exchange or Security action.
10. The market value for unlisted products such as Structured Investment Products, Equity Linked Deposits and Equity Linked Investments. etc is cited only for the purpose of calculating the portfolio of the Wealth Management Account, and does not necessarily reflect the price of the products on their market value. Where the value shown under the columns Market Price/ Market Value is shown as "estimated value", they represent the estimated value or last known value of the relevant products as quoted by the issuer, or obtained from market information services providers such as custodian agents. Such estimated value is for your reference only and has not been independently verified. They do not necessarily indicate the actual value of the products or value of the relevant products at maturity, nor that the relevant products can be traded with DBS Bank (Hong Kong) Limited or on the secondary market at that price. No guarantee, representation, warranty or undertaking (express or implied) is made by DBS Bank (Hong Kong) Limited with respect to those valuations and no responsibility or liability is accepted by DBS Bank (Hong Kong) Limited in relation to the use of or reliance on any such valuations.

Points to note for Deposit Account Summary

1. For New Generation Easy Saver Plan, "Balance" refers to "Accumulative Deposit Amount".
2. Balances converted from foreign currencies into HKD equivalent are indicative only.

Points to note for Credit Card Account Summary

1. The current balance of Credit Card Accounts is updated to show the most recently posted transactions, which usually include those posted yesterday.

Points to note for Investment Account Summary

1. Product Risk Rating ("PRR") is shown before the name of your Investment Fund holdings or after the name of your Bond, Note, Structured Investment Product (SIP), Currency Linked Investment and Equity Linked Deposit holdings. The PRR is classified into P1/P2/P3/P4/P5 with P5 being the highest risk rating. The PRR is not applicable to your stock holdings and only applicable to retail customers. It is based on the latest information available and is subject to change from time to time. Please note that the PRR is for your reference only. For enquiries, please contact our branch staff.
2. Balances converted from foreign currencies into HKD equivalent are indicative only.
3. The market value of Securities Account is based on settled quantity of stocks/bonds and is updated to show the most recently posted transactions, which usually include those received on the last business day.
4. The market value of Investment Fund Account is updated to show the most recently posted transactions, which usually include those received on the last business day.
5. The Balance / Market Value of all non-Hong Kong dollar denominated investment product transactions in the Securities Account are also shown in Hong Kong dollar equivalent, which is indicative and for reference only. For details, please call our Customer Services Hotline at 2290 8888.
6. Under Shanghai Hong Kong Stock Connect, the stock settlement date (i.e. T+0) and the cash settlement date (i.e. T+1) do not fall on the same day. For details about settlement arrangement of Stock Connect, please refer to http://www.hkex.com.hk/chinaconnect.