MPF/ORSO
                                                           
                                                           

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                                                          How to select your provider 5 major factors to consider

                                                          Trusted Partner
                                                          Fund Choice
                                                          Fund Performance
                                                          Fee
                                                          Service for Employers and Members
                                                          1
                                                          How trustworthy is your MPF/ORSO provider?
                                                          Trusted Partner

                                                          Trusted Partner

                                                          A trusting partnership with the right MPF/ORSO provider is important for every employer. The right partner can provide you with quality products, trusted care, and professional services. With a good business partner, you can rely on their expertise while you focus on managing your business.

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                                                          BCT is your
                                                          Trusted Partner

                                                          Solid Backing
                                                          Sound Background

                                                          With sound background from 8 established financial institutions, BCT focuses on offering MPF and ORSO services to help employers plan their employee benefits.

                                                          Experienced Pension Experts
                                                          Pension Specialists

                                                          Over 360 pension professionals focused on the provision and servicing of pension and investment funds.

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                                                          2
                                                          You should consider whether your provider has sufficient constituent fund choices to cater to your employees' needs.
                                                          How many constituent funds does your existing MPF provider offer to your employees?
                                                          Fund Choice

                                                          Fund Choice

                                                          Diversified constituent fund choices are important because different life stages, risk tolerance levels and financial situations require different types of portfolios in order to achieve the retirement goals of your employees.

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                                                          Our MPF schemes have a wide range of constituent funds^

                                                          A Wide Range of Funds

                                                          Our MPF schemes offer constituent funds managed by different investment managers that are not affiliated with the BCT Group. This enables us to independently appoint investment managers with diverse investment styles and philosophies to be used in our schemes. For further details, please refer to the latest principal brochure. As of today, 8 fund managers have been engaged to help managing your MPF. Overall speaking, the use of multiple fund managers allows us to focus on, among others, the service quality of the fund managers through our selection and monitoring process and provides us with the flexibility to replace fund managers independently.

                                                          ^ BCT offers 2 MPF schemes, namely, BCT MPF (Pro) Choice and BCT (MPF) Industry Choice which offer a wide range of constituent funds.

                                                          BCT (MPF) Pro Choice
                                                          BCT (MPF) Pro Choice

                                                          BCT (MPF) Pro Choice has 5 constituent fund categories which provides 23 constituent funds covering a wide spectrum of risk.

                                                          • Equity Funds
                                                          • Equity Funds - Market Tracking Series
                                                          • Target Date Mixed Asset Funds
                                                          • Mixed Asset Funds
                                                          • Bond / Money Market Funds

                                                          Target Date Mixed Asset Funds - We are one of the first MPF providers to launch the SaveEasy Fund Series. The SaveEasy Funds are designed to shift their underlying investments from equities towards a greater exposure to bonds and cash as the relevant SaveEasy Fund gets closer to its particular target year. Please refer to Principal Brochure for more details.

                                                          In addition, our Equity Funds - Market Tracking Series consists of three constituent funds. Each constituent fund invests in one or more "Index Tracking Collective Investment Scheme (ITCIS)". All three constituent funds under this series are classified as "Low Fee Fund" (Fund Expense Ratio ≤1.3% or Management Fee ≤1%) as defined by the MPFA.

                                                          BCT (MPF) Industry Choice
                                                          BCT (MPF) Industry Choice

                                                          BCT (MPF) Industry Choice has 3 constituent fund categories which provides 12 constituent funds covering a wide spectrum of risk.

                                                          • Equity Funds
                                                          • Mixed Asset Funds
                                                          • Bond / Money Market Funds

                                                          BCT (MPF) Industry Choice is created specifically for those working in the catering and construction industries.

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                                                          3
                                                          Are you satisfied with your existing MPF fund performance?
                                                          Fund Performance

                                                          Fund Performance

                                                          A stable and consistent investment return can help members accumulate and grow their MPF asset for a quality retirement life.

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                                                          Professionally Managed Constituent Funds

                                                          BCT has Funds are well-managed

                                                          BCT engages different fund managers and selects the most appropriate fund manager(s) for each asset class based on their expertise and a set of criteria.

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                                                          4
                                                          Are you satisfied with the existing fees and charges of your MPF scheme(s)?
                                                          Do they provide value-for-money?
                                                          Competitive Fee

                                                          Fee

                                                          Fees directly affect investment returns. It is an important factor to consider when making fund choices.

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                                                          Fees under BCT's MPF Scheme

                                                          Reasonable Fees
                                                          Fees

                                                          BCT reviews the operating efficiency of its constituent funds on an ongoing basis and sets our fees at an appropriate level with an aim to deliver value for our members.


                                                          BCT (MPF) Pro Choice

                                                          Management fees of constituent funds range from 0.75% - 1.50% per annum of net asset value.

                                                          More Info BCT (MPF) Industry Choice

                                                          Management fees of constituent funds range from 0.75% - 1.6% per annum of net asset value.

                                                          More Info
                                                          Special Management Fees
                                                          Effective Management Fees*

                                                          For Personal Accounts except members who have retired, we offer special management fees ranging from 0.75% - 1.38% per annum of net asset value of constituent funds under the Personal Account.

                                                          More Info

                                                          * The effective management fee applies to personal account under BCT MPF (Pro) Choice only. BCT offers specific effective management fee to personal account and Easy Gold Plan respectively.

                                                          Easy Gold Plan (Special Voluntary Contribution)

                                                          Members can make special voluntary contribution via the Easy Gold Plan, with the management fees of constituent funds range from 0.75%-0.99% per annum of net asset value of constituent funds. You can make a minimum lump sum contribution of HKD500 per transaction or make regular contribution as low as HKD300 per month by direct debit at your choice. There is no restriction on the number of withdrawals made.


                                                          More Info

                                                          For Personal Account members who have retired: 0.59% - 0.99% per annum of net asset value depending on constituent fund chosen under the Personal Account.

                                                          Learn more about MPF fees and charges:

                                                          MPFA website: http://cplatform.mpfa.org.hk/MPFA/english/index.jsp

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                                                          5
                                                          Are you satisfied with the service of your current MPF/ORSO provider?
                                                          Service for Employers and Members

                                                          Service for Employers and Members

                                                          It is important for an MPF / ORSO provider to offer a complete solution to employers so that you can focus on your business without worrying about pension administration.

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                                                          BCT's
                                                          Service for Employers and Members

                                                          Supporting Tools
                                                          Supporting Tools

                                                          Make use of the free software (C-Online, Flexi2 software, BCT MPF calculators and Auto-Bill) we offer to employers to help you manage MPF administration with greater ease.

                                                          Tools & Demos
                                                          Various Payment Methods
                                                          Various Payment Methods

                                                          Settle MPF/ ORSO payments via PPS, direct debit, direct transfer, cash or cheque. You can also visit a branch of BCT's Servicing Banks* to settle the payment.

                                                          Secured Website
                                                          Secured Website

                                                          View your employees information and contribution online.

                                                          Communication and Publications
                                                          Communication and Publications

                                                          Employer hotline and newsletter

                                                          *Public Bank (Hong Kong), Chong Hing Bank, Dah Sing Bank, Fubon Bank, ICBC (Asia), OCBC Wing Hang, Shanghai Commercial Bank and Wing Lung Bank

                                                          We Care We Serve

                                                          BCT's MPF administration and member services are well-recognised within the industry. See our Awards here. We care about your employees and provide a variety of services to help them manage their MPF accounts:

                                                          Online Platform
                                                          One-stop Contact Centre Service
                                                          Investor Education
                                                          Value Added Services
                                                          Communication, Publications
                                                          Online Platform
                                                          • Our Online Platform includes website, mobile applications, MPF eChannel, Social Media (Facebook and Youtube).
                                                          • Manage your MPF account for fund switching, change of investment mandate, MPF account balance of showing the gain and loss, and keep up-to-date with the latest news online.
                                                          One-stop Contact Centre Service
                                                          • A 24-hour interactive voice response system (IVRS) is available for you to manage your MPF.
                                                          • Our professional team can help you handle any enquiries about your MPF account.
                                                          • BCT's Contact Centre received numerous service awards for our outstanding customer service. Learn more
                                                          • Counter service is also available at BCT office. You can visit us during 9:00am - 6:00pm (Monday to Friday) at 18/F Cosco Tower, 183 Queen's Road Central, Hong Kong.
                                                          Investor Education
                                                          Value Added Services
                                                          Investment Planning Service (IPS)

                                                          Our Investment Planning Service helps members gain a better understanding of their investment goals and risk levels in order to make informed investment decisions. This service does not only cover MPF investments but also other fund ranges such as Collective Investment Scheme (CIS). Through one-on-one consultations, members can find the most suitable funds based on their investment goals.

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                                                          Retirement Planning Service (RPS)

                                                          Our Retirement Planning Service is aimed at assisting members to plan for retirement. Our experts will help members to get prepared for their retirement in financial, social as well as psychological aspects. Through this service, members will enjoy special management fee rates while being able to withdraw funds in phases.

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                                                          Communication and Publications
                                                          • Monthly MPF Account Balance via SMS and SMS notification of receipt of asset transfer-in, fund switching and change of investment mandate
                                                          • Investment Market Outlook
                                                          • e-statement
                                                          • Monthly performance table and quarterly fund performance fact sheet
                                                          • Members' newsletter and BCT e-News
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