How can I use my accumulated ePoints to waive the initial charges for lump sum investments? If you want to waive the initial charge for a lump sum investment using ePoints, please remember to select the "ePoints" option from the Initial Charge in the dealing screens.

How can I use my accumulated ePoints to waive the initial charges for my eScheduler orders? ePoints are automatically used to waive the initial charge for eScheduler orders, provided your ePoints balance is enough to do so on the order processing date.

Can I use ePoints to partially waive the initial charge for my subscription orders? No, ePoints cannot be used to partially waive initial charges.

How many ePoints do I need to waive HK$1 initial charge? 50 ePoints can waive HK$1 initial charge.

If I choose to waive the initial charge (1.5%) for my subscription order(s) for HK$10,000, how many "ePoints" will be required? 7,500 ePoints. Please note that for new subscription orders the number of ePoints required depends on the initial charge and the investment amount. For switching orders, the number of ePoints required will depend on the initial charge, switching/investment amount, foreign exchange rate conversion (if applicable) and the bid/offer prices on the order placement date.   You can use ePoints Calculator to help you to do the calculation. ePoints you have How much you can buy with initial charge waiver#? 3,750 HK$5,000 7,500 HK$10,000 15,000 HK$20,000 30,000 HK$40,000 60,000 HK$80,000 #Assumes an investment with an initial charge 1.5%. The above examples are for illustration only. Please note you can use ePoints to waive the initial charge for any investment amount and the ePoints spending amount is proportional to the ratio stated in the above table. For the number of ePoints required to waive the initial charge in a particular transaction, please refer to the dealing screens.

If I have accumulated ePoints where some expire in 2009 and others expire in 2010, which will be spent first when I use them to waive my initial charges for online subscriptions?   The ePoints with a 2009 expiry date will be used first. The system automatically 'spends' ePoints on a first-in, first-out basis.

Will the ePoints spent be reimbursed if I successfully cancel my Buy/Switch orders via J.P. Morgan eTrading? Yes, ePoints spent will be reimbursed if you cancel Buy/Switch orders successfully via J.P. Morgan eTrading before the 6pm Hong Kong cut-off time.

If I have eScheduler order(s) to be executed today and I place a lump sum order this morning as well, how will I know if the ePoints will be waived for the eScheduler order(s) or the lump sum order? ePoints will be automatically used to waive your initial charges if you have enough ePoints at your eScheduler order(s) generation time. You can check the amount of ePoints spent on the Order Status/Order History/eContract Note for your eScheduler order(s). For lump sum investments, if you have enough ePoints during order placement, "ePoints" will be shown in the 'Initial charge' pull-down menu. You can then decide whether or not to use ePoints to waive the initial charge for your lump sum order.