Individual account with one beneficial owner.

Margin Account: With a TD Ameritrade Hong Kong Ltd. margin account, you can borrow from TD Ameritrade Hong Kong Ltd. to purchase marginable securities—providing you with up to twice the buying power of a traditional cash account. The securities held in your account act as collateral for the loan, and you pay interest on the money borrowed. With proper risk and money management techniques, margin can be used to potentially enhance your investment strategy. A USD$2,000 minimum deposit is required for margin accounts.

Cash Account: A cash account is a basic brokerage account in which all securities purchased must be paid for in cash and short selling is not allowed. Trading of options and futures is not permitted in a cash account. There is no minimum deposit required for cash accounts.

Joint account where each account owner has an equal and undivided interest in the cash and securities in the account. Upon the death or declaration of incompetency of any account owners, account ownership passes to the survivor(s).

The custodian of your account, TD Ameritrade Clearing, Inc., is a member of the Securities Investor Protection Corporation (SIPC). Funds are available to meet customer claims up to a ceiling of USD$500,000, including a maximum of USD$250,000 for cash claims. For additional information regarding SIPC coverage, including a brochure, please contact SIPC at +1-202-371-8300 or visit sipc.org.

Additionally, TD Ameritrade provides each client USD$149.5 million worth of protection for securities and USD$2 million of protection for cash through supplemental coverage provided by London insurers. In the event of a brokerage insolvency, a client may receive amounts due from the trustee in bankruptcy and then SIPC. Supplemental coverage is paid out after the trustee and SIPC payouts and under such coverage each client is limited to a combined return of USD$152 million from a trustee, SIPC, and London insurers. The TD Ameritrade supplemental coverage has an aggregate limit of USD$500 million over all customers. This policy provides coverage following brokerage insolvency and does not protect against loss in market value of the securities.

Important information about procedures for opening a new account:
To help the government fight the funding of terrorism and money-laundering activities, Hong Kong law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you, including your Hong Kong ID, Passport or other identifying documents.

Withdrawing from your TD Ameritrade Hong Kong account must be done via an international Telegraphic Transfer (TT). TD Ameritrade Hong Kong cannot send out third-party wires.

You can initiate withdrawal online by going to Account Centre, then Deposit & Withdrawal Centre and clicking on Initiate Wire Transfer Process button under Withdrawal section.