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Membership Enrolment Form

Personal information

Please complete in Traditional Chinese when necessary. During the process, input in Simplified Chinese might be auto translated into Traditional Chinese.

English name

Must be identical to the one shown on your HKID Card/Passport.

Chinese name (Optional)

Please complete in Traditional Chinese.

Gender

MaleFemale

Date of birth

Must be identical to the one shown on your HKID Card/Passport.

DD-MM-YYYY

Do you hold a HKID Card?

YesNo

HKID Card No.

(
)

Place of birth

Add Contact No.
Would you like to register our e-Messages services (‘SMS/Email Notification Services’)? Disclaimer
e-Messages include the contribution, asset switching, Default Investment Strategy derisking and change particulars notifications, etc.
YesNo
By checking this box, you confirm that you do not wish your personal information to be used or disclosed by the Manager for MPF related direct marketing purposes.
Disclaimer

1. The message from SMS/Email Notification Services will only be sent to you once. It is your sole responsibility to check your mobile phone and/or email account regularly for such messages.

2. To provide your updated and correct mobile phone number and/or email address to HSBC Provident Fund Trustee (Hong Kong) Limited as trustee of the Fidelity Retirement Master Trust (the “Trustee”) for SMS/Email Notification Services in order to receive your MPF account balance notification via SMS messages and/or emails. If there is any change to the mobile phone number and/or email address provided to the Trustee, you undertake to notify the Trustee of the change immediately by logging in to Fidelity Online, completing the Change of Particulars for Members or contacting Fidelity Investor Hotline. You hereby agree that the Trustee shall not be liable or in any way be responsible for sending your MPF account balance notification to the wrong recipient or for any loss, damage or expense where this is caused by your failure to notify the Trustee immediately of any change to your mobile phone number and/or email address.

3. SMS/Email Notification Services is only available to you provided that you have appropriate internet and telecommunications services, equipment (including both software and hardware) and such other services, equipment and facilities specified by the Trustee from time to time (“Equipment”) and you hereby agree that you shall keep the Equipment secure and shall take all reasonable measures to prevent unauthorised access thereof. You also agree to bear any fees, charges or expenses which may be imposed by any telecommunications company or service providers (whether or not designated by the Trustee) providing or servicing me telecommunications or internet services in connection with SMS/Email Notification Services.

4. You have assessed and analysed and you understand, acknowledge and accept all possible risks involved in receiving the notification of your MPF account balance by mobile phone and/or email account including, without limitation, the MPF account balance details being intercepted, monitored, amended, tampered with or being sent or disclosed to other parties without your/our authorisation.

5. The delivery of the SMS/email notification may be subject to delay, interruption or other errors due to the network traffic or other reasons of the service providers or any other related parties. FIL Investment Management (Hong Kong) Limited (the “Manager”) and the Trustee will not be liable for any interruption, delays, errors, unavailability or mistaken delivery due to any failure of the network or the service providers.

6. The Trustee shall not be liable or in any way be responsible for any loss, damage or expense that you shall incur (including but not limited to any loss or damage caused to your/our data or Equipment) arising out of or in connection with your use of SMS/Email Notification Services unless caused solely and directly by the Trustee’s negligence or wilful default.

7. The Manager and the Trustee may at their sole discretion determine the scope and contents of SMS/Email Notification Services from time to time and may modify, expand or reduce the same at any time without notice. If either the Manager or the Trustee gives notice of change to SMS/Email Notification Services, such notice may be made in such manner and by such means of communication as the Manager or the Trustee shall deem fit, including, without limitation, use of direct mailing material, advertisement, or electronic communications.

8. Any messages sent through SMS/Email Notification Services are one-way communications and you should not reply to such message (via SMS or email). In particular, you should not provide any account or security details such as passwords in any reply.

Residential address
P.O. Box is not acceptable.
H.K.Kln.N.T.Outside HK
Your correspondence address is same as your residential address.
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Terms and conditions

Security and Privacy

Investment involves risks. Past performance is not indicative of future performance. If Investment returns are not denominated in HKD/USD, US/HK dollar-based investors are exposed to exchange rate fluctuations. The value of bonds, debt instruments and other fixed income instruments will fluctuate depending on market interest rates, and credit quality of the issuer and liquidity considerations. Increase in market interest rates, decline in the credit quality of the issuer and decrease in liquidity will adversely impact on the value of these instruments. When the interest rate rises, the price of fixed income instruments will normally drop, and vice versa. Please refer to the relevant offering documents, including Product Key Facts [if applicable] (including the risk factors) for details. Any person considering an investment should seek independent advice. Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited. This web page is published by FIL Investment Management (Hong Kong) Limited and has not been reviewed by the Securities and Futures Commission.

This website includes material from third parties or links to websites maintained by third parties some of which is supplied by companies that are not affiliated with any Fidelity entity ("Third Party Content"). Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to Hong Kong laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited. Fidelity has not been involved in the preparation, adoption or editing of such third party materials and does not explicitly or implicitly endorse or approve such content. Any opinions or recommendations expressed on third party materials are solely those of the independent providers, not of Fidelity. Third Party Content is provided for informational purposes only.

© 2025 FIL Investment Management (Hong Kong) Limited. All rights reserved.

Terms and conditions

Terms and conditions (for Retirement Scheme Accounts)

IMPORTANT NOTICE: PLEASE DO NOT REQUEST OR USE YOUR PASSWORD / PHONE PIN UNTIL YOU HAVE READ AND UNDERSTOOD THESE TERMS AND CONDITIONS ("TERMS") AND AGREE TO BE BOUND BY THEM.

SERVICES

FIL Investment Management (Hong Kong) Limited ("Fidelity") may (as agreed between Fidelity and yourself and/or your employer) provide you with the ability to conduct one or more of the following activities, by using your Password/Phone PIN, to:

1. access, via the Internet, telephone or other electronic means, a database of information (the "Information") relating to retirement funds offered by Fidelity from time to time ("Fidelity Retirement Products"), your Fidelity MPF scheme account(s), your ORSO scheme account(s) and/or other related accounts including any account(s) holding any class of units of the Fidelity Advantage Portfolio Fund, whether rolled-over from your previous ORSO scheme account(s) or otherwise (collectively referred to herein as "Retirement Scheme Account(s)");

2. change certain personal details (as such service is available from time to time) relating to your Retirement Scheme Account(s) including the change of your self-selected Password / Phone PIN (the "Change of Data Facility"); and

3. give instructions electronically ("Electronic Instructions") to switch your holdings between constituent funds/sub-funds (as the case may be) of the Fidelity Retirement Products and/or your ORSO scheme ("Investment Switching") or future contributions to your Retirement Scheme Accounts ("Contribution Re-direction") (either or both being, the "Electronic Re-allocation Facility").

The Information, Change of Data Facility and Electronic Reallocation Facility provided to you by Fidelity is collectively referred to in this document as the "Services".

This document contains the Terms on and subject to which Fidelity provides the Services and agrees to your use of: (i) your Password / Phone PIN; (ii) the Information; (iii) the Change of Data Facility and (iv) the Electronic Re-allocation Facility. The administrator of the Fidelity Retirement Products (currently, HSBC Institutional Trust Services (Asia) Limited) or trustee/administrator of your ORSO scheme (generally, HSBC Institutional Trust Services (Asia) Limited or an associated company of HSBC Institutional Trust Services (Asia) Limited (as the case may be)), (collectively "HSBC Institutional Trust Services (Asia) Limited and its Associates"), may also assist Fidelity in providing the Services (for example, by executing instructions under the Electronic Re-allocation Facility). Therefore, this document also sets out terms related to the activities of Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates to which you agree to be bound.

For the avoidance of doubt, these terms and conditions, where relevant, apply to any user of the Services, whether the user is an individual member or employer or otherwise.

In some cases the Services referred to under this document may be provided directly by HSBC Institutional Trust Services (Asia) Limited and its Associates, without involvement of Fidelity in relation to such Services. The terms of this document apply to all such Services, notwithstanding any wording within this document that may indicate that such Services are provided by Fidelity.

Please read this document carefully before using your Password / Phone PIN to access the Services. As soon as you access the Services using your Password / Phone PIN, you will be deemed to have read, understood and agreed to the Terms contained in this document, and this document will form the basis of a binding agreement (the "Agreement") between you and Fidelity.

If you do not understand any of the Terms contained in this Agreement, please call Fidelity Investor Hotline on +852 2629 2629.

Nothing in these Terms should be construed as a solicitation or recommendation to buy or sell securities.

PROVISION OF SERVICES BY FIDELITY AND HSBC INSTITUTIONAL TRUST SERVICES (ASIA) LIMITED AND THEIR ASSOCIATES

1. Fidelity agrees to provide you with, and for you to use, the Services in accordance with these Terms.

2. Fidelity grants you a non-transferable and non-exclusive licence to use the Services in accordance with these Terms and any other instructions or directions for use supplied to you by Fidelity and you agree to comply with the Terms and any such instructions or directions.

3. Technological changes from time to time may make your equipment obsolete or otherwise unsuitable for the use or receipt of the Services. You will be solely responsible for providing, updating, or replacing any part of your equipment and for any telecommunication and any other related costs. None of Fidelity, HSBC Institutional Trust Services (Asia) Limited nor their Associates make any warranty as to the suitability or otherwise of your equipment for the use or receipt of the Services, which is your sole responsibility.

4. Fidelity has the right at any time to determine and/or vary the Services. Such determination or variation may, without limiting the generality of the foregoing, be made by:

a. expanding, reducing, modifying or suspending the Services; and

b. imposing and varying any restrictions on the use of the Services.

5. None of Fidelity, HSBC Institutional Trust Services (Asia) Limited nor their Associates make any warranty or representation that the Services will be accessible at any time or at all. The Services may be temporarily unavailable or restricted for administrative or other reasons and Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates do not accept any responsibility and will not be liable for any loss, cost, expense or other liability arising out of or in connection with loss of use of the Services.

USERNAME, PASSWORD, PHONE USER ID AND PHONE PIN

1. Username and Password: Username and Password are used to access your Retirement Scheme Account(s) via internet. They are 8 to 15 alphanumeric values and can be defined by you. You agree to keep your Username and Password strictly confidential and to advise Fidelity immediately if you disclose, or become aware of or suspect the disclosure of, your Username and Password to an unauthorised person.

Phone User ID and Phone PIN: Phone User ID and Phone PIN are used to access your Retirement Scheme Account(s) via Interactive Voice Response System ("IVR") / Phone. You agree to keep your Phone User ID and Phone PIN strictly confidential and to advise Fidelity immediately if you disclose, or become aware of or suspect the disclosure of, your Phone User ID and Phone PIN to an unauthorised person.

2. In case of the suspension of your online access, you are required to follow the instructions provided by Fidelity to reactivate your online access. Failure to do so will hinder your online access to your Retirement Scheme Account(s).

3. At their sole discretion Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates may bar the use of your Password / Phone PIN from time to time due to security or other concerns or for general administration purposes. Fidelity will inform you as soon as reasonably possible of such action. You can then obtain new Password / Phone PIN following the procedures advised by Fidelity.

4. You acknowledge that you are fully responsible for any unauthorised use or disclosure of your Password / Phone PIN and that you are liable for any loss, cost or expense or other liability arising from such unauthorised use or disclosure.

INFORMATION

The Information may not be reproduced or circulated without written consent from Fidelity. All views expressed cannot be construed as an offer or recommendation by Fidelity. Fidelity shall not be held liable for damages arising out of any person's reliance upon this Information. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. Fidelity shall use its best efforts to update the Information regularly but none of Fidelity, HSBC Institutional Trust Services (Asia) Limited nor their Associates shall be liable for any loss, cost, expense or other liability arising from any delay in updating the Information nor for any errors nor omissions in any specific information. The Information is provided for reference only and is not binding and you accept full responsibility for monitoring the Information. While care has been taken to ensure the Information is accurate, Fidelity is not responsible for any errors or omissions relating to specific information provided by third parties. If you have any questions about the accuracy or completeness of any Information, please contact the administrator of the relevant Fidelity Retirement Product or trustee/administrator of the relevant ORSO scheme.

CHANGE OF DATA FACILITY

1. You may change your personal details including your contact details, personal profile or self-selected Password / Phone PIN using the Change of Data Facility. You acknowledge that you are fully responsible for the accuracy of any data input or other information transmitted to Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates under the facility.

2. Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates shall not be under any obligation to verify the identity or authority of the person using the Change of Data Facility and shall be entitled to act upon any such information submitted.

3. Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates shall not be liable for any delay or failure to process any change submitted under the Change of Data Facility or for any error in the information submitted.

ELECTRONIC RE-ALLOCATION FACILITY

1. Any Electronic Instruction given by you using the Electronic Re-allocation Facility shall be directed by the Electronic Re-allocation Facility to HSBC Institutional Trust Services (Asia) Limited and its Associates. Your Electronic Instruction shall not be effective until actually received by HSBC Institutional Trust Services (Asia) Limited and its Associates and determined by HSBC Institutional Trust Services (Asia) Limited and its Associates to be effective in accordance with its operational procedures. HSBC Institutional Trust Services (Asia) Limited and its Associates shall in no case be deemed or presumed to have received such Electronic Instruction, where you cannot show that you have received a reference number and an accurate confirmation of that instruction from Fidelity. You will notify Fidelity immediately if you do not receive a reference number and confirmation immediately after giving an Electronic Instruction. Although HSBC Institutional Trust Services (Asia) Limited and its Associates will use reasonable efforts to process Electronic Instructions in accordance with its own operational procedures and as agreed with Fidelity, in no case shall HSBC Institutional Trust Services (Asia) Limited and its Associates be liable as a result of a delay or failure to process such instruction or for any mistake (except due to its gross negligence or fraud) in processing such instruction.

2. You will further notify Fidelity immediately:

a. if any aspect of the confirmation does not accurately reflect your Electronic Instruction; or

b. if you receive a reference number and/or confirmation for an Electronic Instruction which has not been placed with your Password / Phone PIN.

If you fail to notify Fidelity immediately in any of these circumstances, you will be deemed to have accepted the terms of any processed Electronic Instruction as stated on the confirmation provided to you by Fidelity and such Electronic Instruction shall be irrevocable and binding on you.

3. An Electronic Instruction shall be effected in accordance with the rules of the relevant Fidelity Retirement Product or ORSO scheme (as the case may be) and the operational procedures of HSBC Institutional Trust Services (Asia) Limited and its Associates. Except in certain circumstances such as where allocation of contributions to your Retirement Scheme Account(s) is pending ("Pending Allocations"), such instructions shall normally be processed for your ORSO scheme (where applicable) in accordance with the normal procedures and timelines for that scheme and for the Fidelity Retirement Product (where applicable) within 5 business days after receipt of the instruction by HSBC Institutional Trust Services (Asia) Limited and its Associates. Your Electronic Instruction may not be effective in respect of Pending Allocations.

4. Other than verifying the Password / Phone PIN (as transmitted by Fidelity in case of Internet access), HSBC Institutional Trust Services (Asia) Limited and its Associates is under no duty to enquire as to the authenticity of any Electronic Instruction or to verify the identity or authority of the person giving such Electronic Instruction and shall be entitled to act upon such Electronic Instruction.

5. Provided that there has been no negligence, fraud or wilful default on the part of Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates, none of Fidelity, HSBC Institutional Trust Services (Asia) Limited nor their Associates accept any liability for any loss, cost, expense or other liability arising from any Electronic Instruction, or any delay in effecting an Electronic Instruction, given, or purported to have been given, by you.

TITLE

Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates own all right, title and interest, including the copyright and any other intellectual property rights subsisting anywhere in the world, in the Information and your Password / Phone PIN. You have no rights to the Password / Phone PIN and the Information other than as set out in these Terms. If you become aware of, or suspect any unlawful or unauthorised use either of the Services or of your Password / Phone PIN (or if you become aware of or suspect any other infringement by any person of any intellectual property rights or other rights of Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates in the Information) you agree to bring this to the attention of Fidelity immediately and to give Fidelity any details you have in relation to this.

CONFIDENTIALITY

1. You acknowledge that those parts of the Information which have not entered the public domain or become generally known ("Confidential Information" - which includes, as stated above, your Password / Phone PIN) are confidential and you agree that you will treat Confidential Information with the utmost care and do all acts necessary to preserve the confidentiality of such Confidential Information. You also agree not to do anything that may damage or endanger the confidentiality of the Confidential Information.

2. You may from time to time receive or will have disclosed to you certain other information relating to the operation of the Services and to Fidelity's business. Any such information shall be treated by you as Confidential Information as required by the immediately preceding paragraph.

3. You agree to indemnify Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates against any loss, cost, expense or other liability of whatever kind and howsoever arising out of any unauthorised use by any other person of the Services where that person has received the Confidential Information from you or from some other person as a result of disclosure by you to such other person.

4. For the avoidance of doubt "unauthorised use or disclosure" includes (as an example but without limiting the generality of that phrase) you passing any of the Confidential Information to any other person without first obtaining Fidelity's express written permission for you to do so.

5. Each of Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates and you agree that these provisions relating to confidentiality will survive the termination of this Agreement.

6. You agree that none of Fidelity, HSBC Institutional Trust Services (Asia) Limited nor their Associates shall be liable for any accidental disclosure to, or access by, any party of the Information or for unauthorised use by any party of the Change of Data Facility or Electronic Re-allocation Facility.

WARRANTIES

1. Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates hereby exclude any express or implied warranties or representations, statutory or otherwise, regarding any part of the Services including the Information except to the extent that any warranties cannot be excluded by law.

2. In particular, Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates do not warrant or represent that the Services are free from virus or other destructive features which may adversely affect your hardware, software or equipment.

RESTRICTIONS IN USE

1. You may not copy, reproduce, duplicate, modify, adopt or lend, sell or otherwise transfer, in whole or in part, any of the Information, except for the purpose of accessing the Services and producing print-outs for your own personal use.

2. You agree to use the Services in accordance with these Terms and shall not, and shall not attempt to, decompile, reverse-engineer or in any way tamper with the Services, or any software comprised in it.

3. Your agreement with Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates on these Terms is personal to you and you may not sub-license or assign or otherwise transfer any of the rights granted to you under these Terms.

4. You agree to indemnify Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates from and against any and all actions, claims, losses, damages, liabilities and expenses arising out of any improper use of the Services by you.

ACCESS TO THE SERVICES VIA THE INTERNET

If you access the Services through the internet, you should note the following Terms which will apply in addition to the other Terms while you are accessing the Services via an internet address, location and/or a web site (the "Web Site"): -

1. The underlying HTML, text, images, audio/video clips, and other content that is made available to you on the Web Site other than the Information is referred to as the "Materials".

2. Fidelity, unless otherwise indicated, either owns the intellectual property rights in the Materials, or has obtained the permission of the owner of the intellectual property to use the Materials on the Web Site.

3. Fidelity grants you a limited licence to display on your computer, print, download, and use the Materials provided that:

a. you agree that Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates are not liable for any liability you incur as a result of your use of this limited licence;

b. you do not modify any Materials;

c. you include with and display on each copy the associated copyright notice and this limited licence.

4. No other use of Materials is permitted without the express written permission of Fidelity. Nothing in this notice confers any right in any copyright of Fidelity or other copyright owner's content provided on the Web Site.

5. The Web Site may contain links to resources outside of Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates. The linked sites are not under the control of Fidelity and Fidelity has not reviewed or investigated in any way the information at such linked sites. Fidelity makes no representation or warranty as to the contents of any linked site or any link contained in a linked site. Fidelity is providing these links only as a convenience, and the inclusion of any link does not imply endorsement, representation or warranty by Fidelity.

6. The Web Site may contain advertisements by third parties. Unless otherwise specifically stated, Fidelity does not endorse or make any representation regarding the reliability, quality or accuracy of any products or services featured in, or linked to any advertisement that appears within the Web Site.

7. Fidelity may use "cookies" on the Web Site. Our cookies tag each visitor's browser with a random, unique number. The cookie simply assigns a number and does not collect or disclose any personal information about the person using the browser. By noting where these uniquely numbered browsers go on the Web Site, we can study traffic patterns and improve the Web Site.

8. The Materials are provided "as is" without warranty of any kind, either expressed or implied, including without limitation warranties of merchantability, fitness for a particular purpose, and non-infringement. Fidelity specifically does not make any warranties or representations as to the accuracy or completeness of any such Materials. Fidelity periodically adds, deletes, changes, improves, or updates the Materials without notice. Use of the Materials is at your sole risk.

LIMITATION OF LIABILITY

1. Subject to the provisions concerning limitation of liability contained in these Terms, Fidelity accepts responsibility for such losses, costs, expenses or other liability suffered by you arising directly from Fidelity's negligence, fraud or wilful default in providing the Services, provided that you perform your obligations under the provisions of these Terms.

2. Without prejudice to the immediately preceding paragraph you acknowledge that your uninterrupted use of the Services may also be prevented by certain factors outside the reasonable control of Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates (a "Services Disruption Event") including, without limitation, the in-operation, inefficiency or unsuitability of the equipment and the unavailability, in-operation or interruption of Internet or other telecommunication services. Non-performance by Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates of their obligations under these Terms will not be a breach of these Terms where such non-performance results directly or indirectly from a Services Disruption Event. Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates do not accept any responsibility and will not be liable for any loss or damage arising out of or in connection with any such Services Disruption Event.

3. Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates do not accept any responsibility and will not be liable for the inaccuracy, incompleteness or use of any Information received by you, Fidelity, HSBC Institutional Trust Services (Asia) Limited and their Associates through the Services arising out of or in connection with data transmission or which take place due to machine or software error or malfunction, or loss of documents via fax or post, or from your operating error otherwise than as a direct result of Fidelity's, HSBC Institutional Trust Services (Asia) Limited or their Associates' negligence, fraud or wilful default.

4. In no event shall Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates be liable for:

a. special, indirect, incidental or consequential damages; or

b. any damages of any kind, whether arising from an action in contract or tort or otherwise, including but not limited to investment or investment opportunity loss, loss of business revenue or loss of profits arising out of, or in connection with, your agreement on these Terms and/or your use of the Services.

TERM OF AGREEMENT AND TERMINATION

1. From the moment that you access the Services using your Password / Phone PIN, you will have the right to use the Services in accordance with these Terms until this Agreement is terminated.

2. This Agreement will terminate automatically upon your ceasing to maintain any Retirement Scheme Account(s).

3. Fidelity has the right to terminate this Agreement immediately upon you making any claim against Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates, whether such claim is based in contract, tort or otherwise and arising out of or in connection with this Agreement.

4. You may terminate this Agreement by giving notice in writing to Fidelity and you will no longer have access to the Services unless otherwise agreed by Fidelity. The termination will be effective as soon as practicable following receipt of such notice by Fidelity but any transactions already initiated will not be affected. Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates may terminate this Agreement by giving one month's notice either in writing or by means of the Services. If it becomes impractical or impossible for regulatory or technical reasons to provide the Services, Fidelity may terminate this Agreement immediately in which case Fidelity will notify you either in writing or by means of the Services.

AMENDMENT

Fidelity may amend these Terms, by notifying you in advance either in writing or by means of the Services and any such amendment shall be deemed to have been accepted by you if you continue to maintain or use the Services after the effective date of such amendment.

GENERAL PROVISIONS

1. You understand that telephone calls to Fidelity, HSBC Institutional Trust Services (Asia) Limited or their Associates may be recorded and consent to such recording.

2. You understand that all terms and conditions relevant to the operation of this Agreement, whether contained in forms signed by you, applicable offering documents and/or any other materials relating to the relevant Fidelity Retirement Product and/or ORSO scheme, which control the operation of your Retirement Scheme Account(s) are incorporated into these Terms by reference.

3. A failure or delay by either party to enforce any right under these Terms is not an implied waiver of the same or of any other right in the future.

4. The only Terms relating to the use of your Password / Phone PIN and the Services are those contained in this Agreement unless Fidelity notifies you otherwise either in writing or by means of the Services.

5. If any provision of these Terms is held or made invalid by a court, statute or rule or otherwise, the remaining provisions of these Terms will not be affected.

6. These Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region ("HKSAR").

7. The courts of the HKSAR will have exclusive jurisdiction to settle any claim or matter arising under or in relation to these Terms, and each party submits to the jurisdiction of the HKSAR courts.

8. The English version of these Terms shall prevail if there is any discrepancy between the English version and the Chinese version.

(RET/TNC/WEB/202101)