1. Employer Scheme Convoy – Your MPF consultant

2. Declaration This document is strictly not for distribution to public. Consultant who introduce this document to clients must passed MPF examination and registered as MPF intermediaries with the MPFA.

3. MPF Agenda 1 2 3 Company Background Why Convoy? Value-added services from our Wealth Management Advisors 4 How to choose the most suitable MPF scheme?

4. Company Background

5. Background of Convoy Financial Services Limited  Founded in 1993  Largest IFA in HK –Act as the clients' best interest and independent from all product providers –Professional and impartial advice on financial planning –Long term financial planning partner through periodical review and corresponding advice –An effective channel / communication bridge for product providers and clients  Offers multiple financial products –Insurance （ Life including linked and non-linked), General Insurance including Group Life and Medical)‏ –MPF –Mortgage referral

6. Why Convoy?

7. 1 2 3 4 Single platform to access 7 MPF providers Professional advice on how to choose the most suitable MPF scheme Fund selection and fund performance review to safeguard member’s retirement income Why Convoy? Thorough understanding on pros and cons of the MPF schemes We work best for client’s interest for most favorable terms On-going monitor provider’s service Update on MPF legislation

8. Single platform to access 7 MPF providers Single platform to access multiple providers multiple providers quotation service provides comparison Save your time and effort

9. Convoy’s MPF platform  Pension Specialist –Bank Consortium Trust Company Limited –Principal Insurance Company (Hong Kong) Ltd –AIA Pension and Trustee Co. Ltd.  Insurance Company –HSBC Insurance (Asia) Limited –Manulife International Ltd –Sun Life Hong Kong Limited –AXA China Region Insurance Company Limited Remarks: For details of a particular scheme, please refer to the relevant offering documents.

10. Value added services professional Wealth Management Advisors

11. Portfolio building and long term follow up One-stop financial service advice (group life, group medical, commercial insurance)‏ Facilitator between you and trustees Strong support from Convoy Research Department to provide market update Value added services professional Wealth Management Advisors

12. How to choose the most suitable MPF scheme?

13.  Scheme fees and charges  Fund choices  Fund charges  Fund performance  Service from providers  Provider’s brand and background  Scheme fees and charges  Fund choices  Fund charges  Fund performance  Service from providers  Provider’s brand and background Selection factors

14. Scheme Fees and Charges Comparison Joining FeeAnnual Fee Transaction Fee (e.g. contribution charge; bid-offer spread; withdrawal charge)‏ Fund Switching Charge AIACurrently waived N/A AXA HKD 5,000 for both ER and SEP case and HKD 100 per member (currently waived)‏ N/ACurrently waivedN/A BCT HKD 500 for SEP case (currently waived)‏ N/A HSBCCurrently waivedN/ACurrently waivedN/A Manulife HKD500 for SEP case (waived for maximum contribution)‏ HKD 500 for SEP case waived if: maximum contribution; 2. monthly contribution of HKD 450 or more by DDA)‏ N/A Principal Series 600: HKD 1,000 for SEP case Series 800: HKD 3,000 (1-14 members) or HKD 1,500 (15-29 members) for both ER and SEP cases (currently waived for ER cases until Dec 31st, 2010)‏ N/A Sun LifeN/A Remarks: 1.ER = Employer case; SEP = Self-employed plan; Maximum Contribution = HKD1,000. 2.For details of a particular scheme, please refer to the relevant offering documents

15. Number of fund choices among major MPF schemes Remarks: Some MPF scheme providers may provide more than 1 scheme which are not shown here For details of a particular scheme, please refer to the relevant offering documents

16. Fund management charges comparison Remarks: The Management Charges are charged on an annual basis. A guarantee charge may apply to guarantee funds For details of a particular scheme, please refer to the relevant offering documents

17. Services from Providers Employer Support: Interactive Voice Response System Online Service Account balance Allocation summary 1.Member administrative service Account setup Regular statement Facilities for contribution Employee Support: Interactive Voice Response System Online Service Fund price check Account balance Fund switching 1.Member Statement 2.Seminars Remarks: 1.Depending on availability from relevant scheme providers. 2.For details of a particular scheme, please refer to the relevant offering documents.

18. Copyright © 2010 Convoy. All rights reserved. End