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Last month, the HKMA launched a dedicated webpage on our website to provide more comprehensive information related to bank account opening and maintenance. At the same time, we have set up a dedicated email account to facilitate the public and business community to provide feedback directly to the HKMA. The HKMA webpage contains information about account opening and maintenance procedures, documentation and information requirements for opening banking accounts, and contact details of banks. Furthermore, our webpage also provides information on what banks should not do, and useful tips for reference of customers whose account opening applications have been rejected. There is also a “What’s New” section to provide an update of banks’ recent initiatives regarding account opening and maintenance. The feedback we received through the email account is handled by a dedicated team at the HKMA. 6. Some of you might have already browsed through our dedicated webpage and noted that 1/2  BIS central bankers' speeches  some banks have acted on your comments that a dedicated hotline would help improve customer experience. Indeed, some unpleasant experience might have been caused by mis-communication or even just a language issue, and a dedicated hotline resourced with properly trained front-line staff would be helpful. 7. In our outreach to Chambers in recent months, we have also received comments that it is not user-friendly for business persons overseas to make several trips to Hong Kong for opening a bank account. We fully agree with that.