Client may use the following ways to deposit fund:

I. Deposit cash or cheque or draft or transfer fund into the following bank accounts

Recipient: Cheque or draft should be made payable to "Ruibang Securities Limited".

Confirm Payment: Client must e-mail (info@ruibang.com.hk), fax (852-29504444), mail or in person, provide the bank-in slip to Ruibang; if the deposit is done through internet banking service, client must e-mail the transfer confirmation screen to Ruibang.

Note: Client must state to the bank teller your Ruibang account no. as Reference Code, all the deposits on or after 3pm will be updated in Ruibang account in next trade day.

II. Deposit cheque or bank draft at Ruibang

Clients who make cash or non-cheque deposits directly into the abovementioned Ruibang bank accounts may be subject to large cash deposit charge or non-cheque deposit process charge. Ruibang will deduct the same amounts from the clients' Ruibang accounts to pay for the bank charges. To avoid such charges on your deposits, clients should use cheques or transfers. For cash deposit, clients should pay attention to the banks' definitions of large cash deposit.

1. Cheque

Clients can withdraw fund through Ruibang Web or Ruibang Web Mobile. Withdrawal made before 12pm on any business day will receive the amount deposited by crossed cheque to the registered bank account in the afternoon on the same business day. Withdrawal made after 12pm on any business day or non-business day will receive the amount deposited by crossed cheque to the registered bank account in the afternoon on the next business day.

2. Collect Cheque in person

Clients can contact your Account Executives or Client Services Department on or before 12pm on every trading day to collect the cheque in person at our office in next trade day.