Bright Brokerage Account

1. Standard online US$0 commission does not apply to over-the-counter (OTC) equities, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Service charges apply for trades placed through a broker (US$25). Exchange process and ADR fees still apply. Bright Hong Kong U.S. Dollar accounts require a minimum deposit to open and maintain. Please contact Bright for details. See the Bright Financial Hong Kong Pricing Guide for Individual Investors for full fee and commission schedules.

2. **Bright Satisfaction Guarantee: If you are not completely satisfied for any reason, at your request Bright Financial Group, Hong Kong, Ltd., or another Bright affiliate, as applicable, will refund any eligible fee related to your concern. Refund requests must be received within 90 days of the date the fee was charged. Two kinds of "Fees" are eligible for this guarantee: (1) "Program Fees" for the Bright Wealth Advisory ("SWA") ("Participating Service"); and (2) commissions and fees listed in the Bright Financial Hong Kong Pricing Guide for Individual Investors.

For more information about Program Fees, please see the disclosure brochure for the Participating Service, made available at enrollment or any time at your request. The guarantee does not cover Program Fees for accounts managed by investment advisors who are not affiliated with Bright or managed by Bright-affiliated advisors outside of the SWA service.

The guarantee is only available to current clients. Refunds will only be applied to the account charged and will be credited within approximately four weeks of a valid request. No other charges or expenses, and no market losses will be refunded. Other restrictions may apply. Bright reserves the right to change or terminate the guarantee at any time.

3. There are no fees to open or maintain your account. Other account fees, fund expenses, and brokerage commissions may apply. See the Bright Financial Hong Kong Pricing Guide for Individual Investors ("the Guide") and any amendments to the Guide for comprehensive details on fees.