Summer Spending Reward Program

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1 Summer Spending Program Earn up to 470,000 bonus point 1 to redeem 39,000 miles 2 or HK$1,880 spending rebate 1 Enjoy your summer shopping fun by using Bank of Communications Credit Card! Register and spend with Bank of Communications Credit Card, you can enjoy up to 470,000 bonus point upon spending designated amount (each eligible transaction must be HK$400). You can exchange 39,000 miles or simply earn the spending rebate for HK$1,880. Registration Hotline: (Registration applicable to Principal Cardholder only, excludes supplementary Card) Promotion Phase Spending Period (Count by Transaction date) 1 15 July 14 August August 14 September September 14 October 2018 Registration Period (Phase 1)* 18 July (9:00am) 14 August (11:59pm) 2018 *Cardholders who have successful registration during Phase 1 registration period will be automatically registered in Phase 2 and 3 and entitled to the rewards from Phase 1 to 3 with eligible spending. 1: Spend More, Earn More - Enjoy up to 450,000 bonus point From the phase of successful registration and accumulating eligible local and/ or overseas spending to below target spending amount 3 in each phase to enjoy below rewards: Target Target accumulative local and/ or overseas spending in each phase 1 HK$5,000-HK$9, ,000 bonus point CUP Dual Currency Credit Card 1 VISA Card 1 12,500 bonus point/ (Equal to HK$80) 2 HK$10,000-HK$29, ,000 bonus point (Equal to HK$180) 3 HK$30,000or above 150,000 bonus point (Equal to HK$600) HK$50 Spending 28,000 bonus point / HK$112 Spending 87,500 bonus point / HK$350 Spending Total rewards in 3 phases up to 450,000 bonus point (Equal to HK$1,800) 262,500 bonus point / HK$1,050 Spending (Quota: 5,000 per each phase)

2 2 Happy Series 4 - Earn up to 20,000 bonus point Cardholder who successfully registers in Phase 1 and accumulates local and/ or overseas spending with HK$5,000 or above 3 in each phase can earn the below bonus point: Local and/ or overseas spending in 3 consecutive phases HK$5,000 or above CUP Dual Currency Credit Card 1 VISA Card 1 20,000 bonus point 10,000 bonus point / (Equal to HK$80) HK$40 Spending Tips for Summer Spending s Enjoy pp to 470,000 bonus point reward Spending HK$30,000 in 3 consecutive phases you can enjoy below reward: Total CUP Dual Currency Credit Card 1 150, , , , ,000 Redeem 39,000 Asia Miles Or HK$1,880 Spending VISA Card 1 87,500 87,500 87, , ,500 Redeem 22,500 Asia Miles Or HK$1,090 Spending Furthermore, spend at Lane Crawford and New Town Plaza with your Card to enjoy more shopping privileges! For details of the merchant offer promotions please read the relevant leaflet or visit our website. Act now! Remarks: 1. If the Cardholder selected Spending Program, the cardholder can automatically convert every 250 bonus points into HK$1 spending rebate. If cardholder selected Bonus Point Program, the cardholder can convert every 25,000 bonus points into HK$100 spending rebate on his own. Spending Program is only applicable for Platinum Credit Card (excluding Platinum Credit Card Cardholder who choose bonus point program and Co branded Platinum Credit Card) and Pacific Credit Card. Bonus point program is valid for CUP Dual Currency Credit Card, Platinum Credit Card and Co branded Platinum Credit Card (excluding Platinum Credit Card Cardholder who choose Spending Program), Go Goal Credit Card, MI Credit Card and Co branded Credit Card. 2. For the example of 470,000 bonus points convert to Asia miles: Cardholder spend with CUP Dual Currency credit card with accumulating amount of HK$30,000 in each phase, and fulfills the spending requirement to get 1 and 2, can get 470,000 bonus points. With every 6,000 bonus points to redeem 500 Asia miles, the cardholder can redeem for 39,000 miles in total. Cardholder converts his/her bonus point to the Asia miles on his/her own with handling fee. Cardholder can select to redeem for other miles in mileage plan, please refer to our bank website for handling fee and other details and subject to relevant terms and conditions. 3. Eligible retail transactions include a local or overseas spending of HK$400 or above in a single transaction. Please refer to below terms and conditions. 4. The Cardholder successfully registers all 3 phases in Phase 1 and reaches HK$5,000 or above local and / or overseas spending in 3 consecutive phases will be entitled to " 2".

3 Terms and conditions Bank of Communications Credit Card Summer Spending Program : 1. Bank of Communications Credit Card Summer Spending Program ( The Program ) is applicable to the Cardholders ( The Cardholders ) of both Principal Credit Card(s) issued by Bank of Communications Co., Ltd. ("the Bank") in Hong Kong and such other credit cards designated by the Bank from time to time ( Eligible Credit Card ). It is not applicable to Supplementary card, the Pacific Internet card and gift card. 2. The Cardholders who successfully register and obtain the registration quota by calling will be entitled to the Promotion. The Cardholder who registers in Phase 1 is entitled to the registration for Phases 1, 2 & 3, and eligible registrations for Phases 1 to 3 will be awarded. Cardholder who successfully registers in the Phase 2 is automatically entitled in the Phase 3 also. Only the promotion period of 2 to 3 will be rewarded; if the card is successfully registered in the Phase 3, only the eligible spending of Phase 3 can be awarded. The registration quota of 1, 2 & 3 of each phase is 5,000. Registration Period & Spending Period: Promotion Registration Period Phase 1 18 July (9:00am) to 14 August 2018 (11:59pm) 2 15 August (9:00am) to 14 September 2018 (11:59pm) 3 15 September (9:00am) to 15 October 2018 (11:59pm) Spending Period 15 July 14 August August 14 September September 14 October To complete the registration, the Cardholders are required to input the principal card s credit card number and contact number in daytime and confirm the information and agree the terms and conditions. A reference number will be assigned to the successful register. 4. Each eligible credit card number is eligible for one registration quota only. If more than one registration is made with the same eligible credit card number, the first registration confirmed by the Bank will be adopted. 5. "Eligible spending transactions" include: (1) Local retail transaction, (2) Foreign retail transaction (non HKD Transaction), (3) Online retail transaction and (4) Purchases made by post/fax/phone during the transaction period in each phase. Each eligible transaction must be $400 or above (or equivalent value in foreign currency). 6. Eligible Transactions exclude local/overseas cash advance, top up amount of Octopus automatic add value service, electronic wallet transaction including but not limited to WeChat Pay, PayMe and Alipay, monthly payment for instalment plans, monthly instalment to merchants, MPF/SVC contribution, balance transfer amount, all online bill payments, purchase of casino chips, tax payment, purchase of traveller's cheques, insurance fee, payment of all credit card charges (annual fees, finance charges, etc.), handling fees for other redemption promotions and the transactions in Mainland China by using CUP Dual Currency Credit Card including transactions of Mainland property, vehicle, air ticket, fuel, wholesale, supermarket spending, hospital fee, education fee and any credit card transactions designated by the Bank from time to time. 7. For the Eligible Transaction made by Cardholder s CUP Dual Currency Credit Card in Mainland China, every RMB 1 spending will be calculated as HK$1 in this promotion. 8. Eligible Transaction of a Supplementary Card will be combined with the Principal Credit Card account, but the Supplementary Card is not entitled to the reward of this program. If the cardholder has more than one principle card, the spending from other principle card cannot be transferrable or combined to count as accumulating spending amount to get the reward in this program. 9. All spending transaction dates are counted by the transaction date of the Bank s record. Eligible Transaction must be posted before the spending rebate credited into designated

4 credit card account. Other unposted transactions (including but not limit to dispute transactions, reversal transactions or delay posted by merchants) are not applicable for this program, and such transactions are non-eligible spending transaction. 10. The offered reward cannot be further sold or transferred to others, exchanged for cash or exchanged to other products or offers. 11. To be eligible to the rewards of this program, the eligible Credit Card Account must be valid and in good financial standing. Any fraud and abuse, false trading and other unauthorized, cancelled, refunded or unposted transactions is not applicable for this program. The Bank will verify the credit card transaction record to confirm credit card accounts' eligibility for the program and the entitlement of the reward. The Cardholders are required to keep the relevant original sales receipts and Credit Card sales slips for inspection upon request by the Bank. In case of disputes, the Cardholders are required to submit the relevant original sale receipt(s) and Credit Card sales slip(s) for further investigation by the Bank. All relevant documents submitted to the Bank will not be returned. In case of discrepancy between the Bank's computer record and details recorded on the credit card sales slip, the Bank's computer record shall prevail. 12. If the Cardholders have cancelled any related transactions which had been included in calculating for the Promotion after promotional period, the Bank reserves the right to debit the amount equivalent to the value of the reward from the eligible Credit Card Account without prior notices. 13. If cardholder selects Spending Program, the cardholder can convert every 250 bonus point into HK$1 spending rebate. If cardholder selects Bonus Point Program, the cardholder can convert every 25,000 bonus points into HK$100 spending rebate. Spending Program is only applicable for Platinum Credit Card (excluding Platinum Credit Card Cardholder who choose bonus point program and Co brand Platinum Credit Card) and Pacific Credit Card. Bonus point program is applicable for CUP Dual Currency Credit Card, Platinum Credit Card and Co brand Platinum Credit Card whose reward program is bonus point(excluding Platinum Credit Card Cardholder who choose spending rebate program), Go Goal Credit Card, MI Credit Card and Co brand Credit Card. 14. Cardholder converts his/her bonus point to the Asia miles on his/her own with handling fee. Cardholder can select to redeem for other miles in mileage plan, please refer to our bank website for more details. The relevant terms & conditions apply. 15. All spending rebate can only be used for retail spending and both cash rebate and bonus point cannot be refunded, transferred or exchanged for cash, cash advance. 16. The Bank reserves the right to vary the terms and conditions, to change or terminate the Programs at any time without prior notice. The Bank accepts no liability for any matters relating to changes or termination of the Program. 17. In case of any disputes, the Bank's decisions shall be final and conclusive. 18. No person other than the Customer and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to enjoy the benefit of any term under these Terms and Conditions. 19. If there is any inconsistency or conflict between the English and Chinese versions of these terms and conditions, the Chinese version shall prevail. 1 Spend More, Earn More Terms and Conditions: 20. Upon successfully registration, Cardholders who accumulates below target spending amount in each phase will be entitled to below ( ). Each eligible credit card account (based on the Credit Card number) is entitled to the once only in each phase: Target Targeted accumulative eligible spending in each phase CUP Dual Currency Credit Card VISA Card

5 1 HK$5,000 HK$9, ,000 bonus point 12,500 bonus points/ HK$50 Spending 2 HK$10,000 HK$29, ,000 bonus point 28,000 bonus points/ HK$112 Spending 3 HK$30,000 or above 150,000 bonus point 87,500 bonus points/ HK$350 Spending Total rewards in 3 phases 450,000 bonus point 262,500 bonus points/ HK$1,050 Spending 21. Each principal card account (under the same credit card number) is eligible to get the rebate for once only. The spending rebate or bonus point of phase 1 will be credited to principal card account in January 2019; the spending rebate or bonus point of phase 2 will be credited to principal card account in February 2019; the spending rebate or bonus point of phase 3 will be credited to principal card account in March Happy Series Terms and Conditions 22. The Cardholder successfully registers all 3 phases in Phase 1 and reaches HK$5,000 or above eligible local and/ or overseas spending in 3 consecutive phases, CUP Dual Currency Card can enjoy 20,000 bonus point; VISA Card can enjoy 10,000 bonus point or HK$40 spending rebate. Each eligible credit card account (based on the credit card number) is entitled to 2 once only. 23. Bonus Point/ Spending reward will be credited to the Eligible Credit Card Account by the Bank in March To borrow or not to borrow? Borrow only if you can repay!

Summer Spending Reward Program

Summer Spending Reward Program Summer Spending Reward Program Earn up to 470,000 bonus point 1 to redeem 39,000 miles 2 or HK$1,880 spending rebate 1 Enjoy your summer shopping fun by using Bank of Communications Credit Card! Register

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