Terms and Conditions 1. Payroll Service Rewards

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1 Terms and Conditions 1. Payroll Service Rewards (i) Welcome Offer The promotion period is from 1 July 2018 to 31 December 2018 (both dates inclusive)( Payroll Service Promotion Period ). Registration periods of payroll service are 1 July 2018 to 30 September 2018 and 1 October 2018 to 31 December To be eligible for BOC Credit Card free spending credit ( Free Spending Credit ), customers are required to meet all of the following requirements during Payroll Service Promotion Period ( Eligible Customers of Payroll Service ): (i) should be Hong Kong Government Servant Civil and receive salary through the Treasury of the Government of the Hong Kong Special Administrative Region; AND (ii) should maintain a valid sole-name HKD Savings Account or sole-name HKD Current Account (not including joint-name accounts)( Payroll Account ) with BOCHK; AND (iii) register for Payroll Service via any branch, Phone Banking or Internet Banking of BOCHK during the Payroll Service Promotion Period; AND (iv) start receiving salary through the Treasury credited to the Payroll Account by electronic payroll arrangement within the next 2 calendar months from the date of payroll service registration, and maintain this arrangement until Free Spending Credit is credited by BOC Credit Card (International) Limited (the Card Company ); AND (v) have not registered for and/or taken up BOCHK s Payroll Service in the past 3 months Details of Payroll Service Rewards are as follows: The amount of Free Spending Credit for Welcome Reward received by the Eligible Customers of Payroll Service will be determined by the amount of the first monthly salary received through the Payroll Account and the categories of customers (Wealth Management / Enrich Banking / i-free Banking). To be eligible for Free Spending Credit, customer should receive salary on monthly basis with the amount that not less than first monthly salary and maintain the categories of customer (Wealth Management / Enrich Banking / i-free Banking) until crediting free spending credit. For details, please refer to the following table. Monthly salary Free Spending Credit HK$60,000 or above HK$20,000 HK$59,999 Wealth Management customers HK$1,800 HK$700 Enrich Banking customers HK$700 i-free Banking customers HK$400 HK$10,000 HK$19,999 HK$400 HK$400 Free Spending Credit will be credited to the valid BOC Credit Card Accounts held by the Eligible Customers of Payroll Service on or before the following dates. The Eligible Customers of Payroll Service should still receive salary via the Payroll Account when Free Spending Credit for Welcome Reward is credited by the Card Company. Registration Period For Payroll Service Date of crediting the Free Spending Credit 1 July 2018 to 30 September 2018 On or before 28 February October 2018 to 31 December 2018 On or before 31 May 2019 Salary refers to the basic monthly salary (excluding commission, bonus, double pay, repayment and/ or other funds) of which the amount should reach HK$10,000 or above. Electronic payroll arrangement refers to the Treasury crediting the Eligible Customers of Payroll Service salary to customer s Payroll Account through BOCHK s or other banks payroll system. Standing instruction, overseas remittance, local electronic transfer, cheque or cash deposit will not be considered as electronic payroll arrangement. BOCHK reserves the absolute right to define the terms of salary and electronic payroll arrangement. Each Eligible Customer of Payroll Service can enjoy this offer once only. If an Eligible Customer of Payroll Service registers for more than one Payroll Account within the Payroll Service Promotion Period, the Eligible Customer of Payroll Service can only enjoy the offer once. Each Eligible Customer of Payroll Service should still receive salary through the Payroll Account when the Free Spending Credit is credited. Otherwise, the offer will be forfeited. If an Eligible Customer of Payroll Service does not maintain any valid BOC Credit Card when the Free Spending

2 Credit is credited by the Card Company, BOCHK will credit cash of equivalent value to the his/her non-dormant HKD Savings Account or HKD Current Account without prior notice. Cash will be crediting in the next calendar month of date of crediting the free spending credit. 2. Life Insurance First Year Premium Discount Offer Equivalent to HKD1,200 ( Life Insurance Premium Discount Offer ) Life Insurance Offer is provided by BOC Group Life Assurance Company Limited ( BOC Life ). Any designated life insurance plan applicable to the Life Insurance is underwritten by BOC Life. Promotion period refers to the period between 1 July 2018 to 31 December 2018 (both dates inclusive) ( Life Insurance Premium Discount Offer Promotion Period ). To be eligible for the Life Insurance Premium Discount Offer, customers should fulfill the following requirements:(i) new registration for BOCHK Payroll Service during the Life Insurance Premium Discount Promotion Period; and (ii) submit the duly completed and signed application form(s) together with the other required documents to BOC Life during the Life Insurance Premium Discount Promotion Period; and (iii) the print date of insurance proposal(s) of the life insurance plan(s) must fall within the Life Insurance Premium Discount Promotion Period; and (iv) all application documents must be submitted to BOC Life on or before 31 January 2019; and (v) the application must be accepted by BOC Life ( Eligible Policy(ies) ). The premium of Eligible Policy(ies) for Premium Discount Offer must be paid on an annual basis and limited to Policy(ies) with standard premium. For prepayment cases, premium discount is only applicable to the first year premium The first year premium of Eligible Policy(ies) for Premium Discount Offer should not be less than HKD1,200/RMB960/USD150 Life Insurance Premium Discount Offer will be directly deducted from the first year premium payable at the time of application and the discount premium shall be paid in accordance with the default premium payment date. In case of cancellation of the policy during the cooling-off period or in event of a premium refund, the portion of any premium payments that has been offset by the Life Insurance Premium Discount Offer can under no circumstances be counted as premium paid for inclusion in the refund amount. For the registration record for BOCHK Payroll Service, BOCHK s system record shall prevail. Except for the designated promotions specified by BOC Life, the Life Insurance Offer cannot be used in conjunction with other promotional offers of BOC Life. Life Insurance Offer cannot be changed, transferred, returned, exchanged for other gifts or redeemed for cash. Any life insurance plan and its supplementary rider(s) (if any) mentioned in this promotion material are underwritten by BOC Life. BOC Life is authorized and regulated by the Insurance Authority to carry on long term insurance business in the Hong Kong Special Administrative Region of the People s Republic of China. BOCHK is one of the major insurance agent banks of BOC Life. BOC Life reserves the right to decide at its sole discretion to accept or decline any application for any life insurance plan and its supplementary rider(s) (if any) according to the information provided by the proposed insured and the applicant at the time of application. Any life insurance plan and its supplementary rider(s) (if any) mentioned in this promotion material are subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the insured items and coverage, provisions and exclusions. BOCHK is the appointed agents of BOC Life for distribution of life insurance products. The life insurance product is a product of the insurance company but not BOCHK. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly BOC Life and the customer. This promotion material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOC Life outside Hong Kong. Please refer to the product brochure, policy documents and provisions issued by BOC Life for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, Investment Strategy, Philosophy in Deciding Dividends and Fulfillment Ratio of Dividends, exclusions, policy costs and fees) of any life insurance plan and its supplementary rider(s) (if any) mentioned in this promotion

3 material. For enquiry, please contact the branch staff of BOCHK. 3. Extra Transactions Rewards The promotion period is from 1 July 2018 to 31 December 2018 (both dates inclusive)( Extra Transactions Rewards Promotion Period ). Customers who fulfill the following requirements ( Eligible Customer of Extra Transactions Rewards ) can enjoy up to HK$200 BOC Credit Card Free Spending Credit rewards: (i) Holding / newly take up or upgrade Integrated Banking Service during Extra Transactions Rewards Promotion Period (including Wealth Management / Enrich Banking / i-free Banking); AND (ii) Newly take up payroll service during Payroll Service Promotion Period; starting receiving salary via Payroll Account until Free Credit Spending is credited; AND (iii) Fulfill the following Designated services/ transaction requirements within the Registration Period for Payroll Service: a. Small Value Transfer Eligible Customers of Extra Transactions Rewards shall meet all the following requirements of Small Value Transfer to enjoy extra rewards: (i) Successfully complete the withdrawal of deposit with Small Value Transfer via BOCHK s Mobile Banking within the Extra Transactions Rewards Promotion Period. The date of successful withdrawal is regarded as the date of transaction; AND (ii) Have not complete the withdrawal of deposit with Small Value Transfer in past 3 months; AND (iii) The Small Value Transfer service and its associated account must be valid within the whole Promotion Period and at the moment when the reward is offered. b. Smart Account Eligible Customers of Extra Transactions Rewards shall meet all the following requirements of Smart Account to enjoy extra rewards: (i) During the Extra Transactions Rewards Promotion Period, bind a BOCHK Smart Account ( Smart Account ) to his/her WeChat Pay HK Wallet through WeChat Mobile Application; AND (ii) Conduct payment or top up transaction by WeChat Pay HK Wallet through Smart Account within the Extra Transactions Rewards Promotion Period; AND (iii) Have not bound the Smart Account to WeChat Pay HK Wallet in past 3 months; AND (iv)the Smart Account and its WeChat Pay HK Wallet binding must be valid within the whole Promotion Period and at the moment when the reward is offered. The procedures relating to the binding of bank account to WeChat Pay HK Wallet mentioned in this Promotion refer to the information in the WeChat Mobile Application (with language setting of Traditional Chinese (Hong Kong) ). For other details relating to the binding of bank account to WeChat Pay HK Wallet, please refer to the FAQ on WeChat Pay HK Wallet. BOCHK is not liable for any delay, loss of data, data error, unrecognized instruction or other circumstances caused by any computer and / or network communication or technical problems, failures, accidents or reasons. If BOCHK reasonably believes that anyone has been using or abetting others to use any method to interrupt operations of the above Promotion (including stealing others WeChat accounts or other frauds), causing interferences, technical difficulties or problems or any jeopardizing, damaging or affecting operation or fairness of the above Promotion, BOCHK reserves the right to disqualify participation and/or reward of the participator(s), and can claim for any damage or loss arising from or in connection with any of the above. Each Eligible Customer of Extra Transactions Rewards can enjoy each of the below offer once only. Completion of designated services / transactions Extra Transactions Rewards (BOC Credit Card Free Spending Credit) a. Small Value Transfer HK$100 b. Smart Account HK$100 Credit Card Free Spending Credit for Extra Transactions Rewards will be credited to the valid BOC Credit Card Accounts held by the Eligible Customers on or before the following date. Registration Period For Payroll Service Date of crediting the Free Spending Credit 1 July 2018 to 30 September 2018 On or before 28 February October 2018 to 31 December 2018 On or before 31 May 2019 If an Eligible Customer of Extra Transactions Rewards does not maintain any valid BOC Credit Card when the Free

4 Spending Credit is credited by the Card Company, BOCHK will credit cash of equivalent value to the his/her non-dormant HKD Savings Account or HKD Current Account without prior notice. Cash will be crediting in the next calendar month of date of crediting the Free Spending Credit. Each Eligible Customer of Extra Transactions Rewards can enjoy this offer once only. If an Eligible Customer of Payroll Service registers for more than one Payroll Account within the Payroll Service Promotion Period, the Eligible Customer of Payroll Service can only enjoy the offer once. Payroll Service extra rewards is limited and available on a first-come first-served basis while quota lasts. Eligible Customers of Extra Transactions Rewards should still receive salary through the Payroll Account when the Payroll Service extra rewards is credited. Otherwise, the offer will be forfeited. BOC Credit Card Free Spending Credit ( Free Spending Credit ) a. Free Spending Credit is meant exclusively for retail purchase and cannot be used for cash advance, settlement of financial charge or any previous outstanding balance accrued before the Free Spending Credit is credited. b. Free Spending Credit cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable. c. If an Eligible Customer of Payroll Service holds more than one BOC Credit Card, the Free Spending Credit will be credited to the highest tier BOC Credit Card Account (the credit card tier in descending order is Visa Infinite Card, CUP Dual Currency Diamond Card, World MasterCard, Visa Signature Card, Platinum Card, Titanium Card, Gold Card and Classic Card). d. The status of the credit card accounts held by the Eligible Customer of Extra Transactions Rewards should be normal, valid and in good standing, and such accounts should not have overdue/bad records, nor have they been cancelled/terminated for any reason, and the Referrer of Payroll Service should not have breached the Card User Agreement when the Free Spending Credit is credited by the Card Company. If the Eligible Customer of Extra Transactions Rewards cannot fulfil the above requirements, BOCHK and the Card Company reserve the right to forfeit the relevant offer without prior notice. 4. Preferential Savings Annual Interest Rate The promotion period is from 1 July 2018 to 31 December 2018 (both dates inclusive) ( Preferential Savings Annual Interest Rate Promotion Period ). To be eligible for 0.5% savings annual interest rate for the period of next calendar month after 1st salary to 31 July 2020 (both dates inclusive) ( Interest Rate Promotion Period ), customers are required to meet the following requirements during the Preferential Savings Annual Interest Rate Promotion Period ( Eligible Customers ): (i) should be Hong Kong Government Civil Servant and receive salary through the Treasury of the Government of the Hong Kong Special Administrative Region; AND (ii) should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name accounts)( Payroll Account ) with Bank of China (Hong Kong) Limited ( BOCHK ); AND (iii) receive salary by Electronic Payroll Arrangement through the Treasury credited to Payroll Account; AND (iv) have taken up Wealth Management, Enrich Banking or i-free Banking service ( Integrated Account Services ). (Remarks: If customers have fulfiled requirements of (i) to (iv) by end of July 2018, Interest Rate Offer will be started from 1 August If customers have fulfiled requirements of (i) to (iv) by end of October 2018, Interest Rate Offer will be started from 1 November 2018.) Electronic Payroll Arrangement refers to the Treasury crediting the salary to the Eligible Customer s Payroll Account through BOCHK or other banks payroll system. Standing instruction, overseas remittance, local electronic transfer, cheque or cash deposit will not be considered as Electronic Payroll Arrangement. BOCHK reserves the absolute right to define the terms of Electronic Payroll Arrangement. Preferential savings annual interest rate offer is only applicable to deposit of all HKD and foreign currency (only for RMB and USD) savings accounts of Eligible Customers which are opened with the same name of Payroll Accounts (accounts that are with salary credited by the Treasury), but not applicable to the deposit of current accounts. Starting from the next calendar month upon receiving salary from the Treasury by Electronic Payroll Arrangement and taking up Integrated Account Services, if the daily savings account balance calculated by HKD, RMB and USD independently ( Eligible Currencies ) is higher than the minimum balance requirement to enjoy interest rate (details please refer to the relevant deposit rate table), then such Eligible Currencies of the savings account can be entitled of 0.5% savings annual interest rate ( Interest Rate Offer ). The maximum deposit balance to enjoy Interest Rate Offer is HK$5 million equivalent, any extra deposit balance which is above HK$5 million equivalent will not be entitled to this offer. The currency sequence of calculation of maximum deposit balance is (1)HKD, (2)RMB and

5 (3)USD. Interest Rate Offer is calculated by daily simple interest basis. Interest Rate Offer will be calculated by the method of additional interest ( 0.5% savings annual interest rate minus board rate (savings annual deposit rate) of BOCHK)( Additional Interest ) and will be credited to the Payroll Account of the Eligible Customers in the form of cash rebate ( Interest Rebate ). Additional Interest will be converted into HKD at the exchange rate determined by BOCHK and will be rounded up to 2 decimal places. Interest Rebate will be credited to the Payroll Account of the Eligible Customers in every January and July during the Interest Rate Promotion Period. The Interest Rebate credited will be the accumulative Additional Interest of the preceding 6 months. (Remarks: The accumulative Additional Interest within the period of 1 January 2020 to 31 July 2020, will be credited in August 2020) During the Interest Rate Promotion Period, if Eligible Customer is in following status one month before interest credited by BOCHK: (i) do not have any salary credit record by Electronic Payroll Arrangement through the Treasury credited to the Payroll Account; or (ii) do not hold any valid Payroll Account/Savings Account of the Eligible Currencies; or (iii) have not taken up/ cancelled Integrated Account Services, the Additional Interest accumulated before the cash rebate will be cancelled. During the Interest Rate Promotion Period, if the board rate (savings annual deposit rate) of BOCHK as at the interest calculation date is higher than 0.5% savings annual interest rate, the Additional Interest of that interest calculation date will be cancelled. 0.5% savings annual interest rate is not guaranteed, BOCHK reserves the absolute right to amend this interest rate from time to time. If there is any change of the board rates (savings annual deposit rates) of BOCHK, BOCHK will have notice posted at branches and website of BOCHK ( Customers should aware of the above notice; BOCHK will not send any notification to individual customers. 5. Terms of the Civil Servant Payroll Customer Referral Program The promotion period is from 1 July 2018 to 31 December 2018 (both dates inclusive) ( Referral Promotion Period ). Registration periods of payroll service are 1 July 2018 to 30 September 2018 and 1 October 2018 to 31 December At the time of Referral, the Referrer must be i) Should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name accounts) with Bank of China (Hong Kong) Limited ( BOCHK ); AND ii) Have taken up Integrated Account Service ( Wealth Management, Enrich Banking or i-free Banking ) ( Eligible Referrer ). The Eligible Referrer who successfully refers a customer to newly take up Payroll Service during the designated Registration Period of Payroll Service and the referee has fulfilled the following requirements ( Successful Referral ), the Referrer can enjoy HK$300 BOC Credit Card Free Spending Credit for each Successful Referral. There is no upper limit on the number of referral and reward amount: (i) have not registered for and/or taken up BOCHK's Payroll Service in last 3 month; AND (ii) register for Payroll Service via any branches, Phone Banking or Internet Banking of the Bank during the Referral Promotion Period and designated Registration periods of payroll service; AND (iii) should be Hong Kong Government Civil Servant and receive salary through the Treasury of the Government of the Hong Kong Special Administrative Region; AND (iv) should maintain a valid HKD Savings Account or HKD Current Account (not including joint-name accounts) ( Payroll Account ) with BOCHK; AND (v) start receiving salary through the Treasury credited to the Payroll Account by electronic payroll arrangement within the next 2 calendar months from the date of payroll service registration, and maintain this arrangement until Free Spending Credit is credited by the Card Company; AND (vi) Monthly salary should reach HK$10,000 or above; AND (vii) Have taken up or newly take up Integrated Account Service ( Wealth Management, Enrich Banking or i-free Banking ) during the Referral Promotion Period. Free Spending Credit to the Eligible Referrer depends on the number of successful referee. BOC Credit Card Free Spending Credit ( Free Spending Credit ) a. Free Spending Credit is meant exclusively for retail purchase and cannot be used for cash advance, settlement of financial charge or any previous outstanding balance accrued before the Free Spending Credit is credited. b. Free Spending Credit cannot be converted into cash or exchanged for other gifts and is also not refundable and

6 transferrable. c. If an Eligible Customer of Payroll Service holds more than one BOC Credit Card, the Free Spending Credit will be credited to the highest tier BOC Credit Card Account (the credit card tier in descending order is Visa Infinite Card, CUP Dual Currency Diamond Card, World MasterCard, Visa Signature Card, Platinum Card, Titanium Card, Gold Card and Classic Card). d. The status of the credit card accounts held by the the Referrer of Payroll Service should be normal, valid and in good standing, and such accounts should not have overdue/bad records, nor have they been cancelled/terminated for any reason, and the the Referrer of Payroll Service should not have breached the Card User Agreement when the Free Spending Credit is credited by the Card Company. If the the Referrer of Payroll Service cannot fulfil the above requirements, BOCHK and the Card Company reserve the right to forfeit the relevant offer without prior notice. e. Free Spending Credit will be credited to the Eligible Referrer BOC Credit Card on or before the following date. If he/she does not successfully hold a valid BOC Credit Card when the Free Spending Credit is credited by the Card Company, BOCHK will credit cash of equivalent value to his/her non-dormant Hong Kong Dollar Savings Account or HKD Current Account without prior notice. If the customers hold more than one Hong Kong Dollar Savings Account or HKD Current Account, BOCHK has the discretion to credit the cash rebate to any zone of the accounts. Cash will be crediting in the next calendar month of date of crediting the Free Spending Credit. Registration Period of Payroll Service Date of crediting the Free Spending Credit 1 July 2018 to 30 September 2018 On or before 28 February October 2018 to 31 December 2018 On or before 31 May 2019 For the definition of "Salary" and "Electronic payroll arrangement", please refer to the detail Terms and Conditions in Payroll Service Rewards. BOCHK reserves the absolute right to define the terms of salary and electronic payroll arrangement. Each referee can only be referred once during the Referral Program Promotion Period. In the event that the referee is referred by more than one Eligible Referrer, BOCHK will contact the referee to determine the successful referral based on the Eligible Referrer details confirmed by the referee. Self-referral will not be accepted for this Referral Program. The date and account name of payroll registration are subject to BOCHK's record. Referrer and referee cannot refer each other to be the new customer. 6. Monthly Deposit Savings Plan The promotion period is from 3 July 2018 to 31 December 2018 (both dates inclusive) ( Monthly deposit Savings Plan Promotion Period ). To be eligible for up to 2.30% p.a. for HKD Monthly Deposit Saving Plan, customer must successfully set up new HKD Payroll Customers Monthly Deposit Savings Plan via any branches, Internet Banking or Manned Phone Banking Services of BOCHK during the Monthly Deposit Saving Plan Promotion Period. The above HKD monthly deposit interest rates are based on the interest rates of 18 month HKD monthly deposit interest rates quoted o n 3 July 2018 by Bank of China (Hong Kong) Limited ("BOCHK") and are for reference only. The actual interest rates will be subject to the quotes by BOCHK from time to time. BOCHK reserves the right to amend, suspend or shorten the Interest Rate Promotion Period and to amend the relevant terms at any time at their sole discretion without prior notice. 7. Foreign Currency Exchange Offer The promotion period is from 1 July 2018 to 31 December 2018 (both dates inclusive) ("Foreign Currency Exchange Offer Promotion Period"). To enjoy the Foreign Currency Exchange Offer, eligible customer should convert HKD to the Designated Currencies (or vice versa) at telegraphic transfer exchange rate at any branch or via Manned Phone Banking Services of BOCHK. The table below sets out the details of the offer: Designated Currencies Pips offers GBP 100 pips AUD, NZD, CAD, JPY 60 pips The offer is not applicable to foreign currency banknotes exchange. BOCHK reserves the right to change the foreign currency exchange offer at any time at its sole discretion without prior notice.

7 8. First 12- month waiver on the requirement of "Total Relationship Balance" First 12- month waiver on the requirement of "Total Relationship Balance" for Wealth Management To enjoy this offer, customers should register for Payroll service and take up / upgrade their existing accounts to Wealth Management service at branches of BOCHK during the Payroll Service Promotion Period with salary payment of HK$60,000 or above and with valid salary proof provided (the latest 3 months). Starting from the beginning of the 13th month after joining the service, the Wealth Management service fee (currently HK$280 per month) will be levied if the Total Relationship Balance of the customer falls below the designated amount (currently HK$1,000,000). The service fee will be subject to change by BOCHK from time to time. For details, please contact our branch staff. First 12- month waiver on the requirement of "Total Relationship Balance" for Enrich Banking To enjoy this offer, customers should register for Payroll service and take up / upgrade their existing accounts to Enrich Banking service at branches of BOCHK during the Payroll Service Promotion Period with salary payment of HK$20,000 or above and with valid salary proof provided (the latest 3 months). Starting from the beginning of the 13th month after joining the service, the Enrich Banking service fee (currently HK$120 per month) will be levied if the Total Relationship Balance of the customer falls below the designated amount (currently HK$200,000). The service fee will be subject to change by BOCHK from time to time. For details, please contact our branch staff. First 12- month waiver on the requirement of "Total Relationship Balance" for i-free Banking To enjoy this offer, customers should take up / upgrade their existing accounts to i-free Banking service at branches of BOCHK during the Payroll Service Promotion Period. Starting from the beginning of the 13th month after joining the service, the i-free Banking service fee (currently HK$60 per month) will be levied if the Total Relationship Balance of the customer falls below the designated amount (currently HK$10,000). The service fee will be subject to change by BOCHK from time to time. For details, please contact our branch staff. Risk Disclosure of Foreign Currency Trading Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts foreign currency into Hong Kong dollars or other foreign currencies. 9. Terms and Conditions of 2X Reward Gift Points and a handling fee waiver for mileage conversion Unless otherwise specified, the promotion period is valid from 1 July 2018 to 31 December 2018 (both dates inclusive), Hong Kong Government Civil Servants can enjoy the following fabulous rewards upon successfully registration for BOCHK Payroll Service and taking up one of the service as below. (i) Taking up of Wealth Management Service as well as being accepted of a Wealth Management Visa Infinite Card or (ii) Taking up of Enrich Banking Service as well as being accepted of a Enrich Banking World MasterCard or (iii) Taking up of i-free Service as well as being accepted of a BOC i-card. Unless otherwise specified, the promotion period is valid from now to 31 December 2020 (both dates inclusive, transaction date shall prevail) ("Promotion Period"). To be eligible for The Promotion, cardholders should make the transaction with the Wealth Management Visa Infinite Card / Enrich Banking World MasterCard / BOC i-card ("Eligible Card") issued by BOC Credit Card (International) Ltd. (the "Company") in Hong Kong within the Transaction Period. Only local retail purchase and overseas retail purchase can enjoy the offer of extra gift points ( Eligible Transactions ). All local cash advance, overseas cash advance, annual fee, financial fee, handling fee, balance transfer, cash before card service amount, installment fee, gift redemption fee, internet payment or transaction amount, tax payment, mail order, telephone or fax order, casino transaction, Octopus AAVS, gift delivery charges, investment and any other transactions without sales slip are all excluded. Unless otherwise specified, eligible overseas retail purchase means retail transactions made and settled in foreign currency. The Eligible Transaction must be posted to Eligible Card account within 7 days from the transaction date. Cardholder can entitle extra 1X gift points on top of the basic 1X gift point (HK$1=1 gift point) and a handling fee waiver for mileage conversion. The extra 1X gift points and a handling fee waiver for mileage conversion will be

8 posted to the Eligible Card account in month end of January and July. The extra 1X gift points and a handling fee waiver for mileage conversion will be posted to the Eligible Card account of the main cardholders in month end of July during the promotion period from 1 January to 30 June. The extra 1X gift points and a handling fee waiver for mileage conversion will be posted to the Eligible Card account of the main cardholders in next year month end of January during the promotion period from 1 July to 31 Dec. The last batch of extra 1X gift points and a handling fee waiver for mileage conversion will be posted to the Eligible Card account of the main cardholders in month end of January Example: Spending and posting period Date of crediting the extra 1X gift points and a handling fee waiver for mileage conversion 1 January 2018 to 30 June 2018 On or before 31 July July 2018 to 31 December 2018 On or before 31 January 2019 The extra 1X gift points and a handling fee waiver for mileage conversion will be posted to the Wealth Management Visa Infinite Card account held by Wealth Management Customer/ Enrich Banking World MasterCard held by Enrich Banking Customer / BOC i-card held by i-free Customer. BOC Wealth Management Visa Infinite Card brings you up to 6X Reward Gift Points for dining and overseas spending. Upon you meet the monthly spending of HK$15,000 or above, you can earn extra 3X Gift Points on top of the current 3X Gift Points for all dining and overseas spending with no ceiling. Please visit for more details. Any fraudulent, unauthorized, cancelled, refunded transactions as well as unposted transactions will result in the forfeiture of eligibility for The Promotion. Cardholders will only be entitled to the gift points and a handling fee waiver for mileage conversion when their card account is valid and in good standing and at the time when the award is being made. If a cardholder account has been cancelled or is found to be in violation of the Card User Agreement, or if a cardholder relinquishes the gift points and a handling fee for mileage conversion at any particular time or at the time when the gift points and a handling fee for mileage conversion are being awarded, the eligibility for The Promotion will be forfeited. All gift points and a handling fee for mileage conversion are not transferable, refundable or convertible into cash or other prizes. The terms and conditions of gift points are subject to the Gift Points Programme Catalogue and BOC Credit Card Superior Travel Awards, please visit BOC Credit Card Website for details. Where a cardholder has been awarded gift points and a handling fee waiver for mileage conversion and a reversal entry occurs thereafter on any of the related transaction(s), the cardholder is required to reimburse the Company with the equivalent monetary value for such awarded gift points or in a manner as may be determined by the Company. The Company will, without prior notice, charge the equivalent monetary value to the cardholder account in reversal of such awarded gift points. Cardholders must retain all original transaction sales slips for reference. In case of any dispute, the Company reserves the right to request a cardholder to produce the original transaction sales slip(s) and/or such further documentation or evidence for verification at any time during or after The Promotion. All sales slips and/or such further documentation submitted to the Company will not be returned. The Company will determine the eligibility of submitted transaction details by verifying the cardholder transaction records kept by the Company. The Company records shall be final and conclusive. The Company reserves the right to change, suspend or terminate The Promotion or amend the terms and conditions at its sole discretion without prior notice. In case of any dispute(s), the decision of the Company shall be final. In the event of any discrepancy or inconsistency between the English and the Chinese version of these terms and conditions, the Chinese version shall prevail. 10. Securities Brokerage Fee Reward Promotion Period is from 1 July 2018 to 31 December 2018 (both dates inclusive)( Promotion Period ). To entitle to securities brokerage fee reward from the 6th working day of next calendar month upon receiving first salary to 31 July 2020(both dates inclusive)( Preferential Brokerage Fee Period ), customer are required to fulfill all of the following requirements( Eligible Customers of Securities Reward ): (i) newly register and use BOCHK Payroll Service during Promotion Period and have not registered for and/or taken up BOCHK s Payroll Service in past 3 month; AND (ii) Should be Hong Kong Government Civil Servant and receive salary through the Treasury of the Government of the Hong Kong Special Administrative Region; AND

9 (iii) Should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name accounts) ( Payroll Account ) of BOCHK; AND (iv) start receiving salary through the Treasury credited to the Payroll Account by electronic payroll arrangement within the next 2 calendar months from the date of payroll service registration, and maintain this arrangement during Preferential Brokerage Fee Period; AND (v) Should maintain a valid securities account (including Securities Margin Trading Account, Family Securities Account) ( Securities Account ) of BOCHK; AND (vi) Receive salary by Electronic Payroll Arrangement through the Treasury credited to Payroll Account ; Electronic Payroll Arrangement refers to the Treasury crediting the salary to the Payroll Account of Eligible Customers of Securities Reward through BOCHK or other banks payroll system. Standing instruction, overseas remittance, local electronic transfer, cheque or cash deposit will not be considered as Electronic Payroll Arrangement. BOCHK reserves the absolute right to define the terms of Electronic Payroll Arrangement. Starting from the 6th working day(excluding Saturday, Sunday and public holiday) of next calendar month upon receiving salary from the Treasury by Electronic Payroll Arrangement, Eligible Customers of Securities Reward can entitle to the brokerage fee of Gold Star membership of Securities Club during the Preferential Brokerage Fee Period: based on the transaction amount of each transaction, 0.2% brokerage fee for transaction trading Hong Kong Stocks / Shanghai/ Shenzhen A shares through automated trading channels (Mobile Banking/Internet Banking/Automated Stock Trading Hotline); 0.28% brokerage fee for transaction trading Hong Kong Stocks / Shanghai/ Shenzhen A shares through branches/manned trading hotline. Minimum charge of brokerage fee for each transaction is HK$100/ RMB100 ( Preferential Brokerage Fee ). If Eligible Customers of Securities Reward is currently holding Diamond Star membership of Securities Club, the "Diamond Star" membership of Securities Club will not be changed. Preferential Brokerage Fee is only applicable to Eligible Customers of Securities Reward who use securities accounts (including Securities Margin Trading Account, Family Securities Account) which are opened with the same name of Payroll Accounts (accounts that are with salary credited by the Treasury) to buy/ sell securities listed on the Hong Kong Exchange and Clearing Limited ( HKEx ) and settled in HKD or RMB (exclude Monthly Stocks Savings Plan and IPO subscription) or securities listed on Shanghai Stock Exchange ( SSE ) or Shenzhen Stock Exchange(SZSE). Other transaction fees still apply, including but not limited to transaction charge, Hong Kong stamp duty, transaction levy charged by the Securities and Futures Commission of Hong Kong, trading fee charged by HKEx, stamp duty charged by the State Administration of Taxation, securities management fee charged by China Securities Regulatory Commission, handling fee charged by SSE/SZSE and transfer fee charged by China Securities Depository and Clearing Corporation Limited. During the Preferential Brokerage Fee Period, if Eligible Customers of Securities Reward is in following status in last month: (i) do not have any salary credit record by Electronic Payroll Arrangement through the Treasury credited to the Payroll Account; or (ii) do not hold any valid Payroll Account/ Securities Account, the Preferential Brokerage Fee will be cancelled on the first working day of that month. BOCHK reserves the absolute right to amend the brokerage fee of Gold Star member of Securities Club from time to time. If there is any change of the brokerage fee of Gold Star member of Securities Club, BOCHK will have notice posted at branches and website of BOCHK ( Customers should aware of the above notice. Risk Disclosure: The following risk disclosure statements cannot disclose all the risks involved and does not take into account any personal circumstances unknown to BOCHK. You should undertake your own independent review and seek independent professional advice before your trade or invest especially if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge. Risk Disclosure of Securities Trading Risk of Securities Trading The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling

10 securities. Risk of Securities Margin Trading The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop-limit" orders. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge. You are reminded to understand the relevant details, charges and important notes before investing in Shanghai A shares or Shenzhen A shares. For details, please read the Important Notice of Trading China A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect in BOCHK s website or the branch staff of BOCHK. RMB Conversion Limitation Risk RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service and it should not be considered as investment advice. This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong % net subscription rate for subscribing funds in lump sum for the first time The promotion period is from 1 July to 31 December 2018 (both dates inclusive) ("Promotion period for fund subscription"). In order to enjoy the 1% net subscription rate for fund subscription, customers should meet the following requirements: 1) register the BOCHK payroll services during the promotion period for fund subscription; and 2) subscribing to fund or switching funds between different fund houses via the same BOCHK Branches for the first time during the promotion period for fund subscription. Risk Disclosure for Funds Transaction: The following risk disclosure cannot disclosure all the risks involved and does not take into account any personal circumstances unknown to BOCHK. You should undertake your own independent review and seek independent professional advice before you trade or invest especially if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge. Investment involves risks. Past performance is not indicative of future performance. The promotion material provides general information for reference only, shall not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase, subscription or trade of any investment products, regions, asset classes or services. Fund products or services are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment

11 decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details including risk factors. 12. BOC Medical Comprehensive Protection Plan (Series 1) ( the Plan ) Enrolment Privilege Promotion period from 19 June 2018 to 30 September 2018 (both dates inclusive) ( BOC Medical Comprehensive Protection Plan Promotion Period ). To be eligible for the discount and shopping coupon offers of the Plan, customers should fulfill the following requirements: (i) successful enrolment in the Plan via branches, Contact Centre, website or Internet Banking of BOCHK during BOC Medical Comprehensive Protection Plan Promotion Period. Successful enrolment refers to the Proposed Insured submitted the completed and / or signed forms together with the Credit Card Authorization Form or the Direct Debit Authorization Form to Bank of China Group Insurance Company Limited ( BOCG Insurance ); (ii) the discounted premium is settled on or before 30 September 2018 (late payment will not be accepted); and (iii) the relevant policy is effective on or before 31 October 2018 ( Eligible Customers ), otherwise the Discount Offer will be forfeited; (iv) Coupon offer is applicable for each policy with the first year premium paid of HK$3,000 or above only. These offers are only applicable to new policy application but not to any policy renewals or re-applications within 3 months after policy cancellation / termination of policy renewals. The Proposed Insured can enjoy 5% First Year Premium Discount if one person is insured under the approved policy of the Plan. If two or more family members are insured under the approved policy of the plan, the Proposed Insured can enjoy a total of 14% discount for First Year Premium, including 5% discount of the First Year Premium and the additional 10% premium discount each year (including first year). A family member refers to the Proposed Insured and/or his/her legally married spouse and/or his/her child(ren). Child(ren) refer(s) to the legal child(ren) of the Proposed Insured, including step child, adopted child, or guardian child, aged between 15 days to 17 years old, or 23 years of age as full-time student. Please note that if the number of Insured Person is decreased to one family member, 10% premium discount each year offer will be cancelled. Premium discount offer is provided by BOCG Insurance and BOCHK. Coupon is provided by BOCG Insurance and will be mailed to Customers on or before 31 December 2018 in accordance with the correspondence address maintained with BOCG Insurance. Customers should hold the valid policy at the time of mailing of the Coupon by BOCG Insurance, otherwise the Coupon offer will be forfeited. Coupon offer cannot be transferred, returned, exchanged for other gifts or redeemed for cash. BOCHK and/or BOCG Insurance shall not be liable for loss, damage, defacement or misappropriation of the redemption letter and/or the Coupon along with the redemption letter under any circumstances (including at the time of mailing) and will not reissue or replace any of them. Coupon is limited and available on a first-come-first-serve basis while stock lasts. In the event that the Coupon is out of stock, BOCG Insurance reserves the right to offer another gift / coupon as a replacement without prior notice which may not have the same value and features as the original Coupon. Coupon is subject to the relevant terms and conditions. BOCHK and/or BOCG Insurance are not the supplier of the Coupon. For enquiry or complaint on the Coupon, please contact the relevant supplier directly. BOCHK and/or BOCG Insurance gives no guarantee regarding the coupons or products and service quality provided by the supplier, and does not accept any liability arising in conjunction with the use of the coupons or products or services provided by the supplier. 13. Universal Smart Travel Insurance Plan ( the Plan ) for Civil Servant Payroll Customer Offer Promotion Period from 1 July 2018 to 31 December 2018 (both dates inclusive) ( Universal Smart Travel Insurance Plan Promotion Period ). To be eligible for 30% discount on the first year premium and a 5% discount on the renewal premium for the Plan (Annual Travel Plan), customers should fulfill the following requirements: (i) new registration for BOCHK Payroll Service during Universal Smart Travel Insurance Plan Promotion Period; (ii) successful enrolment in the Plan via branches, website or Internet Banking of BOCHK during Universal Smart Travel Insurance Plan Promotion Period. Successful enrolment refers to the Proposed Insured submitted the completed and / or signed forms together with the Credit Card Authorization Form or the Direct Debit Authorization Form to BOCG Insurance; (iii) the discounted premium is settled on or before 30 June 2018 (late payment will not be accepted); (iv) and the

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