Offer Terms 1. Unless otherwise specified, the Promotion Period is from 3 May 2016 to 31 July 2016 (both dates inclusive) ( Promotion Period ).

Transcription

1 Offer Terms 1. Unless otherwise specified, the Promotion Period is from 3 May 2016 to 31 July 2016 (both dates inclusive) ( Promotion Period ). 2. Enrich Banking World MasterCard 10x Reward Gift Points (HK$1.5 Spending = 1 Mile) I. General Terms and Conditions i. Unless otherwise specified, holders of an Enrich Banking World MasterCard can enjoy the reward gift points upon fulfilling the following requirements: - newly taking up / upgrading to Enrich Banking Service (applicable to sole-name account only) within the Promotion Period, and - newly taking up Payroll Service within the Promotion Period, and - applying for the Enrich Banking World MasterCard within the Promotion Period, and having Enrich Banking World MasterCard successfully approved on or before 31 August 2016 ii. Unless otherwise specified, the qualified spending periods are as detailed below (all given dates are inclusive; transaction date shall prevail) (the "Qualified Spending Period"). The period of Enrich Banking World MasterCard being approved Spending Period (all given dates are inclusive; transaction date shall prevail) 3 May 2016 to 31 May June 2016 to 31 July June 2016 to 30 June July 2016 to 31 August July 2016 to 31 July August 2016 to 30 September August 2016 to 31 August September 2016 to 31 October 2016 iii. To be eligible for the offer, cardholders shall have to make the transaction with the Enrich Banking World MasterCard (the "Eligible Card") issued by BOC Credit Card (International) Ltd. (the "Card Company") in Hong Kong SAR within the Spending Period. iv. Only local transactions on dining (not applicable to banquet services, private parties/functions, private room events, dining outlets in social/sports association or clubhouses), travel (only applicable for travel agency and airlines company) and department store can enjoy the offer (the 'Eligible Transactions'). Eligible Transactions only include the spending at merchants categorized by specific merchant codes such as restaurant, dining, travel agency, airlines company, department store merchants/organizations (as defined by the Card Company/MasterCard Inc. from time to time). All overseas purchase and cash advance, the 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. v. The extra gift points only apply to local Eligible Transactions that are based on the transaction date and must be posted to Eligible Card account within 7 days from the transaction date. vi. Any fraudulent, unauthorized, cancelled, refunded transactions as well as unposted transactions will result in the forfeiture of eligibility for the extra gift points..

2 vii. Cardholder will only be entitled to the extra gift points if his/her card account is valid and in good standing at the time when the extra gift points are credited. If a cardholder has cancelled his/her card account or is found to be in violation of the Card User Agreement, or if a cardholder has overdue payment/is with unsatisfactory record during the Promotion Period or at the time when the extra gift points are credited, the eligibility for the offer will be forfeited. viii. All gift points are not transferable, refundable or convertible into cash or other prizes. ix. Where a cardholder has been rewarded gift points and a reversal entry occurs thereafter on any of the related transaction(s), the cardholder is required to reimburse the Card Company with the equivalent monetary value for such rewarded gift points or in a manner as may be determined by the Card Company. The Card Company will, without prior notice, charge the equivalent monetary value to the cardholder account in reversal of such rewarded gift points. x. Cardholders must retain all original transaction sales slips for reference. In case of any dispute, the Card Company reserves the right to request a cardholder to provide the original transaction sales slip(s) and/or such further documentation or evidence for verification at any time. All sales slips and/or such further documentation submitted to the Card Company will not be returned. xi. The Card Company will determine the eligibility of submitted transaction details by verifying the cardholder transaction records kept by the Card Company. The Card Company records shall be final and conclusive. xii. The Card Company reserves the right to change, suspend or terminate the offer or amend the terms and conditions at its sole discretion without prior notice. II. 10x Reward Gift Points for local Dining, Travel and Department Store Transactions i. "10x Reward Gift Points for local dining, travel and department store transactions" will be counted on each calendar month starting from the first day of the month until the last day of the month. The Eligible Transaction must be posted to the Eligible Card account within 7 days from the transaction date. ii. To be eligible for the offer of "10x Reward Gift Points for local dining, travel and department store transactions", Cardholders are required to fulfill the following requirements: a) Make monthly accumulated transaction amount on retail purchase and/or cash advance of HK$15,000 or above within a calendar month (the "Monthly Accumulated Transaction Amount"). Monthly Accumulated Transaction Amount includes all local and overseas retail purchase and/or 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. The spending of the additional cardholder(s) can be aggregated with that of the main cardholders. b) Make Eligible Transactions that include local transactions on dining, travel and department store (Clause (iv) of Section (I) refers) with the Eligible Card in respective calendar month. Cardholder can be entitled to the original extra 4x gift points on top of the basic 1x gift point (HK$1=1 gift point). The original extra 4x gift points will be posted to the Eligible Card account in the month end following the transaction month. c) Cardholder can be additionally entitled to extra 5x gift points on top of the original extra 4x gift points (Clause (iib) of Section (II) refers), total up to extra 9x gift points. The extra 5x gift points will be posted to the Eligible Card account on or before 31 January Payroll Service: a. Payroll Service Rewards of up to HK$800: Customers are required to 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 ),

3 and (i) register for Payroll Service via any branch, Phone Banking or Internet Banking of BOCHK during the Promotion Period; (ii) start receiving salary by electronic payroll arrangement or newly set up single standing instruction (not including the standing instruction originating from BOCHK and Chiyu Banking Corporation Limited via Payroll Account 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 accordingly; and (iii) have not registered for and/or taken up BOCHK s Payroll Service within the period from 1 January 2016 to 31 March 2016 ( Eligible Customers of Payroll Service ).The details of the offer are as follows: i. Welcome Reward The amount of Free Spending Credit for Welcome Reward received by the Eligible Customers of Payroll Service will be determined by the amount of first monthly salary received through the Payroll Account and the categories of customers. For details, please refer to following table. Monthly Salary Free Spending Credit (Enrich Banking customers) HK$20,000 or above HK$500 HK$10,000 - HK$19,999 HK$100 Free Spending Credit for Welcome Reward will be credited to the valid BOC Credit Card Accounts held by the Eligible Customers of Payroll Service on or before 28 February The Eligible Customers of Payroll Service should still receive salary via the Payroll Account since the first payroll month until Free Spending Credit for Welcome Reward is credited by the Card Company. ii. Extra Payroll Loyalty Reward To enjoy Free Spending Credit for Extra Payroll Loyalty Reward, Eligible Customers of Payroll Service should receive salary via the Payroll Account by electronic payroll arrangement or newly set up single standing instruction (not including the standing instruction originating from BOCHK, and Chiyu Banking Corporation Limited) from the first payroll month and maintain this arrangement until Free Spending Credit is credited by the Card Company, and still hold the Enrich Banking Integrated Banking Service. For details, please refer to following table. Monthly Salary Free Spending Credit (Enrich Banking customers) HK$10,000 or above HK$300 Free Spending Credit for Extra Payroll Loyalty Reward will be credited to the valid BOC Credit Card Accounts held by the Eligible Customers of Payroll Service on or before 31 October The Eligible Customers of Payroll Service should still receive salary via the Payroll Account since the first payroll month when Free Spending Credit for Extra Payroll Loyalty Reward is credited by the Card Company. 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 employer crediting the customer s 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, electronic payroll arrangement and single standing instruction. 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 Promotion Period, the Eligible Customer of Payroll Service can only enjoy the offer once. If the Payroll Account is a joint account, the holders of such account will be considered as one customer and only one of the account holders will be entitled to this offer. If an Eligible Customer of Payroll Service 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 his/her non-dormant HKD Savings Account or HKD Current Account without prior notice. The above offers are not applicable to staff of BOCHK and its subsidiaries. b. Civil Servants Payroll Service Reward of up to HK$1,500: To be eligible for Free Spending Credit, customers are required to meet all of the following requirements during the Promotion Period ( Eligible Civil Servant of Payroll Service ): be Hong Kong Government Civil Servant and receive salary through the Treasury of the Government of the Hong Kong Special Administrative Region; and maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name accounts) ( Payroll Account ) with BOCHK; and register for Payroll Service via any branch, Phone Banking or Internet Banking of the Bank during the Promotion Period; and start receiving salary 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 Card Company; and have not registered for and/or taken up BOCHK s Payroll Service within the period from 1 January 2016 to 31 March Details of Payroll Service Rewards are as follows: i. Welcome Reward The amount of Free Spending Credit for Welcome Reward received by the Eligible Civil Servant of Payroll Service will be determined by the amount of first monthly salary received through the Payroll Account and the categories of customers. For details, please refer to following table. Monthly Salary Free Spending Credit (Enrich Banking customers) HK$60,000 or above HK$1,200 HK$20,000 - HK$59,999 HK$600 HK$10,000 - HK$19,999 HK$300 Free Spending Credit for Welcome Reward will be credited to the valid BOC Credit Card Accounts held by the Eligible Civil Servant of Payroll Service on or before 28 July The Eligible Civil Servant of Payroll Service should still receive salary via the Payroll Account when Free Spending Credit for Welcome Reward is credited by the Card Company. ii. Extra Payroll Loyalty Reward To enjoy Free Spending Credit for Extra Payroll Loyalty Reward, Eligible Civil Servant of Payroll Service should receive salary through the Treasury credited to the Payroll Account by electronic payroll arrangement from the first payroll month and maintain this arrangement until Free Spending Credit is credited by the Card Company, and still holding the Enrich Banking Integrated Banking Service. For details, please refer to following table. Monthly Salary Free Spending Credit (Enrich Banking customers) HK$10,000 or above HK$300 Free Spending Credit for Extra Payroll Loyalty Reward will be credited to the valid BOC Credit Card Accounts held by the Eligible Civil Servant of Payroll Service on or before 31 October 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 employer crediting the customer s salary to customer s Payroll Account through BOCHK s or other banks payroll system. Standing instruction, overseas

5 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, electronic payroll arrangement and single standing instruction. Each Eligible Civil Servant of Payroll Service can enjoy this offer once only. If an Eligible Civil Servant of Payroll Service registers for more than one Payroll Account within the Promotion Period, the Eligible Civil Servant of Payroll Service can only enjoy the offer once. If the Payroll Account is a joint account, the holders of such account will be considered as one customer and only one of the account holders will be entitled to this offer. If an Eligible Civil Servant of Payroll Service does not maintain any 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 HKD Savings Account or HKD Current Account without prior notice. The above offers are not applicable to staff of BOCHK and its subsidiaries. c. Payment Service Reward of HK$100: Eligible Customers of Payroll Service/ Eligible Civil Servant of Payroll Service shall (i) set up the Direct Debit Authorisation ( DDA ) instruction(s) with Savings or Current Account of BOCHK during the Promotion Period (including but not limited to payments for utility bills, payment for BOC Credit Card or other merchants bills); (ii) conduct at least one transaction under such DDA instruction on or before 30 November 2016; AND (iii) not have any DDA instruction set up on 31 March 2016 ( Eligible Customers of DDA Instruction ). HK$100 Free Spending Credit will be credited to the valid BOC Credit Card Accounts held by the Eligible Customers of DDA Instruction on or before 28 February If the Eligible Customer of DDA Instruction sets up DDA instruction(s) under a joint account, the holders of such account will be considered as one customer and only one of the account holders will be entitled to this offer. If Payroll Service is registered under joint-name, the DDA instructions should be under the same joint-name Savings or Current Account. The set up dates/ transaction dates of the DDA instructions shall be based on the record of BOCHK. The above offers are not applicable to the staff of the Bank and its subsidiaries. d. Securities Service Rewards of HK$100: Eligible Customers of Payroll Service / Eligible Civil Servant of Payroll Service who successfully open new sole-name / joint-name securities accounts (including Securities Margin Trading Account but excluding Family Securities Accounts) ( New Securities Accounts ) with BOCHK during the Promotion Period and do not have any securities account with BOCHK within 6 months preceding the date of New Securities Accounts opening, and conduct buying transactions of 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 ) via Internet Banking, Mobile Banking or Automated Stock Trading Hotline of BOCHK through the New Securities Accounts within the first 3 months starting from the date of New Securities Accounts opening (3-month period is calculated on the basis of 90 days with the 90th day, Saturdays, Sundays and public holidays included) can enjoy an extra HK$100 Free Spending Credit. Free Spending Credit will be credited to the valid BOC Credit Card Accounts held by the Eligible Customers of Payroll Service / Eligible Civil Servant of Payroll Service on or before 28 February If Payroll Service is registered under joint-name, the securities account should be opened under the same joint-name.

6 The above offers are not applicable to the staff of the Bank and its subsidiaries. 4. Total Relationship Balance Growth Reward ( TRB Growth Reward ): Customers who fulfil the following requirements ( TRB Growth Reward Eligible Customers ) can be entitled to the TRB Growth Reward: Newly take up or upgrade to Enrich Banking (applicable to sole-name account only) during the period from 3 May 2016 to 30 June 2016 (both dates inclusive) i. Have not taken up or cancelled Enrich Banking / Wealth Management in sole-name with BOCHK during the period from 1 January 2016 to 31 Mar 2016; and Newly take up or upgrade to Enrich Banking (applicable to sole-name account only) during the period from 1 July 2016 to 31 July 2016 (both dates inclusive) i. Have not taken up or cancelled Enrich Banking / Wealth Management in sole-name with BOCHK during the period from 1 February 2016 to 30 April 2016; and ii. Fulfil the Total Relationship Balance of Enrich Banking (i.e. HK$200,000) in July 2016; and iii. The growth of the Total Relationship Balance reaches following amount when comparing the Total Relationship Balance of July 2016 and March 2016 or ii. Fulfil the Total Relationship Balance of Enrich Banking (i.e. HK$200,000) in August 2016; and iii. The growth of the Total Relationship Balance reaches following amount when comparing the Total Relationship Balance of August 2016 and April 2016 Total Relationship Balance Free Spending Total Relationship Balance Free Spending Growth Amount Credit Growth Amount Credit HK$500,000 or above HK$500 HK$500,000 or above HK$500 HK$200,000 Below HK$500,000 HK$200 HK$200,000 Below HK$500,000 HK$200 Each TRB Growth Reward Eligible Customer can enjoy this offer once only during the Promotion Period. Free Spending Credit will be credited to the valid BOC Credit Card Account of TRB Growth Reward Eligible Customers on or before 31 October 2016 if TRB Growth Reward Eligible Customers newly take up or upgrade to Enrich Banking during the period from 3 May 2016 to30 June 2016 (both dates inclusive). Free Spending Credit will be credited to the valid BOC Credit Card Account of TRB Growth Reward Eligible Customers on or before 31 December 2016 if TRB Growth Reward Eligible Customers newly take up or upgrade to Enrich Banking during the period from 1 July 2016 to 31 July TRB Growth Reward Eligible Customers should still maintain that Integrated Account Service or Integrated Account Service with higher Total Relationship Balance requirement when Free Spending Credit is credited. Otherwise, the reward will be forfeited. TRB Growth Reward is limited and available on a first-come first-served basis while quota lasts. 5. Credit Card Welcome Offer: a. Credit Card Welcome Offer of HK$400 for New Credit Card customers: To be eligible for the Credit Card Welcome Offer, Customers with BOC Payroll Account ( Eligible New Credit Card Customers ) are required to successfully apply for Enrich Banking World MasterCard during the Promotion Period. Successful Enrich Banking World MasterCard applicants, who select HK$400 Free Spending Credit as the welcome offer, are required to accumulate spending of HK$2,000 or above in retail spending/cash advance/cash Before Card/posted amount of merchant installment program ( Spending ) (online Bill

7 Payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such other transaction types designated by the Card Company from time to time are excluded) within the first two months of card issuance in order to be eligible for the welcome offer. Should the main cardholders have successfully applied for additional cards at the same time, the accumulated spending of each additional card should reach HK$2,000 or above in retail spending/cash advance/cash Before Card/posted amount of merchant installment program ( Spending ) (online Bill Payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such other transaction types designated by the Card Company from time to time are excluded) in the HKD Credit Card account within the first two months of card issuance in order to enjoy 25,000 Gift Points for main cardholders. Each main cardholder can enjoy a maximum of 225,000 Gift Points from additional cards. (Each main cardholder can apply for a maximum of 9 additional cards). If Eligible New Credit Card customers successfully apply for Enrich Banking World MasterCard during the period from 3 May 2016 to 30 June 2016, while they are existing main cardholders of BOC Credit Card and/or BOC CUP Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Purchasing Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit Card issued in Macau SAR, Private Label Card and BOC Express Cash Revolving Credit are all excluded), or have cancelled the above cards or were once cardholders of the above cards on or after 1 July 2015 not be entitled to the welcome offer for main cardholders upon approval of application. If Eligible New Credit Card customers successfully apply for Enrich Banking World MasterCard during the period from 1 July 2016 to 31 July 2016, while they are existing main cardholders of BOC Credit Card and/or BOC CUP Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Purchasing Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit Card issued in Macau SAR, Private Label Card and BOC Express Cash Revolving Credit are all excluded), or have cancelled the above cards or were once cardholders of the above cards on or after 1 January 2016 not be entitled to the welcome offer for main cardholders upon approval of application. If the additional card applicant successfully apply for the additional card of Enrich Banking World MasterCard during the period from 3 May 2016 to 30 June 2016, while he/she currently holds BOC Credit Card and/or BOC CUP Dual Currency Credit Card (including main card or additional card), or has cancelled any such card or once held any such card on or after 1 July 2015, the main cardholder will not be entitled to welcome offer for the additional card upon approval of the additional card application. If the additional card applicant successfully apply for the additional card of Enrich Banking World MasterCard during the period from 1 July 2016 to 31 July 2016, while he/she currently holds BOC Credit Card and/or BOC CUP Dual Currency Credit Card (including main card or additional card), or has cancelled any such card or once held any such card on or after 1 January 2016, the main cardholder will not be entitled to welcome offer for the additional card upon approval of the additional card application. Free Spending Credit will be credited to main cardholders accounts within 4 to 6 weeks after all Spending requirements (if applicable) are fulfilled. Customers should still maintain a valid Payroll Account and the status of the relevant credit card account must be normal, valid and in good credit condition at the time of crediting Free Spending Credit. If a cardholder has made multiple redemptions or the relevant transaction to fulfill the spending requirement has been cancelled for whatever reason, the Card Company reserves the right to debit from the cardholder s account the amount equivalent to the cost of the welcome offer (the cost of HK$400 Free Spending Credit is HK$400) without prior notice. 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. Free Spending Credit cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable. If a new cardholder cancels the main credit card account within 12 months after card issuance, the

8 Card Company reserves the right to debit an administration fee of HK$3,800 for Enrich Banking World MasterCard against his/her credit card account without prior notice. Should two or more BOC Credit Cards and/or BOC CUP Dual Currency Credit Cards be successfully approved within the Promotion Period, the cardholder will be entitled to one gift only and the gift will be that for the highest tier of credit card approved (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 and Classic Card). If the credit cards are not applied at the same time, the gift for the credit card first approved will be offered. The Card Company reserves the right to change, suspend or terminate the welcome offers, and to amend the relevant terms and conditions at its sole discretion without prior notice. In case of any dispute(s), the decision of the Card Company shall be final. For the offer details of Enrich Banking World MasterCard, please visit b. Extra HK$100 Rewards of Credit Card During the Promotion Period, the Credit card welcome offer of an extra HK$100 Free Spending Credit is only applicable to customers who newly take up/upgrade to Enrich Banking and are accepted by the Card Company as a main cardholder of an Enrich Banking World MasterCard respectively and having fulfilled a spending requirement on the Enrich Banking World MasterCard for an accumulative value of or over HK$2,000 in the first two months from card issuance ( Credit Card Extra Welcome Offer Eligible Customers ) in order to be eligible for the Extra HK$100 free spending credit ( Extra HK$100 credit card spending credit"). Only spending in retail purchase/cash advance/cash Before Card/posted amount of merchant installment program will be accepted as the stipulated spending requirement ( Spending ) whereas online bill payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such other transaction types as may be designated by the Card Company from time to time are all not acceptable. For customers who successfully apply for the main card of Enrich Banking World MasterCard during the period of 3 May 2016 and 30 June 2016 (both dates inclusive): i. The extra HK$100 credit card spending credit will be credited to the valid Enrich Banking World MasterCard accounts held by the Credit Card Extra Welcome Offer Eligible Customer on or before 31 October ii. Applicants who are existing main cardholder of Enrich Banking World MasterCard or have cancelled the above cards or were once holders of the above cards on or after 1 July 2015 will not be entitled to the Extra HK$100 credit card spending credit for main cardholders upon approval of application. For customers who successfully apply for the main card of Enrich Banking World MasterCard during the period of 1 July 2016 and 31 July 2016 (both dates inclusive): i. The extra HK$100 credit card spending credit will be credited to the valid Enrich Banking World MasterCard accounts held by the Credit Card Extra Welcome Offer Eligible Customer on or before 30 November iii. Applicants who are existing main cardholder of Enrich Banking World MasterCard or have cancelled the above cards or were once holders of the above cards on or after 1 January 2016 will not be entitled to the Extra HK$100 credit card spending credit for main cardholders upon approval of application. Each Credit Card Extra Welcome Offer Eligible Customer can only enjoy this offer once and cannot be used in conjunction with other Extra HK$100 credit card spending credit promoted by BOCHK in other products. Credit Card Extra Welcome Offer Eligible Customer should still maintain the valid Enrich Banking World MasterCard and Enrich Banking Integrated Banking Service when the Extra HK$100 credit card spending credit is credited by the Card Company. Otherwise, the relevant offer will be forfeited and no other offer will be rewarded in its place. Extra HK$100 credit card 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

9 Extra HK$100 credit card spending credit is credited. Extra HK$100 credit card spending credit cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable. The status of the credit card accounts held by the Credit Card Extra Welcome Offer Eligible Customer should be normal, valid and in good standing, and such accounts should not have breached the Card User Agreement when the Extra HK$100 credit card spending credit is credited by the Card Company. If the Credit Card Extra Welcome Offer Eligible Customers cannot fulfill the above requirements, BOCHK and the Card Company reserve the right to forfeit the relevant offer without prior notice. 6. HKD/ USD Time Deposit Reward: Customers who fulfil the following requirements ( Eligible HKD/ USD Time Deposit Reward Customers ) can enjoy HKD/USD Time Deposit Reward of up to HK$1,000 BOC Credit Card Free Spending Credit ( Free Spending Credit ): (i) Newly take up or upgrade to Enrich Banking (applicable to sole-name account only) during the Promotion Period and have not taken up or cancelled Wealth Management/ Enrich Banking in sole-name with BOCHK within 3 months prior to or on 31 March 2016; and (ii) Place designated amount of HKD or USD time deposit via any branch of BOCHK for 1 month at 0.01% p.a. interest rate with new funds during the Promotion Period ( Eligible HKD/ USD Time Deposit ); and (iii) Newly applied/ already have BOC credit card; and (iv) Required HKD/ USD Time Deposit Amount is as below: HKD/ USD Time Deposit Amount Free Spending HKD USD Credit HK$1,000,000 or above US$125,000 or above HK$1,000 HK$800,000 - below HK$1,000,000 US$100,000 below US$125,000 HK$800 HK$600,000 - below HK$800,000 US$75,000 below US$100,000 HK$600 HK$400,000 - below HK$600,000 US$50,000 below US$75,000 HK$400 HK$200,000 - below HK$400,000 US$25,000 below US$50,000 HK$200 Each Eligible HKD/ USD Time Deposit Reward Customer can only get up to maximum HK$1,000 Free Spending Credit during the Promotion Period. Funds that are deposited via cashier's order/cheques and transfers / remittance from banks within BOCHK Group will not be considered as new funds. For details of the definition of new funds, please contact BOCHK's staff. In case of disputes, BOCHK has the sole discretion to determine the definition of new funds. Eligible HKD/ USD Time Deposit Reward Customers should still have valid BOC credit card maintain that Integrated Account Service or Integrated Account Service with higher Total Relationship Balance requirement when Free Spending Credit is credited by the Card Company. Otherwise, the reward will be forfeited. Free Spending Credit will be credited to the Eligible Time Deposit Reward Customers BOC Credit Card on or before 31 October 2016 if Eligible HKD/ USD Time Deposit is placed within the period from 3 May 2016 to 30 June 2016 (both dates inclusive). Free Spending Credit will be credited to the Eligible Time Deposit Reward Customers BOC Credit Card on or before 31 December 2016 if Eligible HKD/ USD Time Deposit is placed within the period from 1 July to 31 July 2016 (both dates inclusive).

10 If Eligible HKD/ USD Time Deposit Reward Customer uplift his/her Eligible Time Deposit before maturity, the reward will be forfeited. HKD/ USD Time Deposit transaction amount is subject to BOCHK s record. HKD/ USD Time Deposit Reward is limited and available on a first-come-first-served basis while quota lasts. 7. Deposit Securities Offer: This offer is only eligible to customers who successfully deposit securities settled in HKD or RMB and listed on Hong Kong Exchange and Clearing Limited ( HKEx ) or Shanghai Stock Exchange ( SSE ) (excluding Ministry of Finance of the PRC CNY Bonds and The Government of the HKSAR of the PRC ibonds / The Hong Kong Monetary Authority ibonds) into BOCHK s securities accounts via Central Clearing and Settlement System (CCASS) (physical scrip is not included) (securities transferred from Nanyang Commercial Bank Limited and Chiyu Banking Corporation Limited is not included) ( Eligible Securities ) between 1 April 2016 to 31 July 2016 (both dates inclusive)( Promotion Period ). Customer who deposit Eligible Securities with designated market value during the Promotion Period ( Eligible Deposit Securities Customers ) can be entitled to the following reward: Market Value of Eligible Securities Free Spending Credit Deposited HK$500,000 or above HK$2,000 HK$100,000 - Below HK$500,000 HK$1,000 The market value of Eligible Securities is calculated on the basis of the closing price on the day of depositing the securities by Eligible Deposit Securities Customers. If the closing price of Eligible Securities cannot be determined on the day of deposit, the final price used for calculating the market value will be determined by BOCHK at its sole discretion. This offer is not applicable to customers who withdraw Eligible Securities (via CCASS or by physical scrip) from their related securities accounts maintained with BOCHK during the Promotion Period. The market value of Eligible Securities and brokerage fee settled in RMB will be converted into HKD at the exchange rate determined by BOCHK. Each customer will only be entitled to the above offer once. If the Eligible Deposit Securities Customer opens more than one securities account during the Promotion Period, he/she will only be entitled to the above offer once. If the account is a joint securities account, the holders of such account will be considered as one customer. To be entitled to the offer, Eligible Deposit Securities Customers must hold a valid BOC Credit Card. Otherwise, the offer will be forfeited and will not be entitled to any award in any other format. If Eligible Deposit Securities Customer is a joint securities account holder, any one of the joint securities account holder must hold a valid BOC Credit Card. BOCHK will credit cash of equivalent value to the settlement account of the joint securities account. If the joint securities account holds more than one settlement account, BOCHK has the discretion to credit the rewards to any one of the settlement accounts. Free Spending Credit will be credited to the valid BOC Credit Card Account of Eligible Deposit Securities Customers on or before 31 October 2016.

11 8. BOC Credit Card Free Spending Credit 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. Free Spending Credit cannot be converted into cash or exchanged for other gifts or coupons and is also not refundable and transferrable. If customers hold 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 Master Card, Visa Signature Card, Platinum Card, Titanium Card, Gold Card and Classic Card). The status of the credit card accounts held by the customers 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 customers should not have breached the Card User Agreement when the Free Spending Credit is credited by the Card Company. If the customers cannot fulfil the above requirements, BOCHK and the Card Company reserve the right to forfeit the relevant offer without prior notice. 9. Portable Luggage Scale: Customers who newly take up or upgrade to Enrich Banking (applicable to sole-name account only) ( Eligible New Customers ) via BOCHK s branch during the Promotion Period will be instantly rewarded with a Portable Luggage Scale ( The Gift ). For customers who upgrade to Enrich Banking (applicable to sole-name account only) ( Eligible New Customers ) via Internet Banking or Invitation (applicable to Selected Customers only) during the Promotion Period, BOCHK will send the Gift redemption letter by mail to the Eligible New Customers in accordance with the correspondence address record of BOCHK on or before 30 September Eligible New Customers are required to maintain valid Enrich Banking/ Wealth Management service at the time when the Gift redemption letter is sent out by BOCHK. Otherwise, the offer will be forfeited. The Gift is not applicable to customers who have taken up or cancelled Wealth Management / Enrich Banking in sole-name with BOCHK during the period from 1 January 2016 to 30 April Each Eligible New customer can be rewarded with the Gift once only during the entire Promotion Period. The above Gift is limited and available on a first-come-first-serve basis while stock lasts. If the above Gift is out of stocks, BOCHK reserves the right to offer an alternative gift/coupon as a replacement. The value and feature of the alternative gift/coupon might be different from the original Gift. The above Gift cannot be transferred, returned, exchanged for other gift/coupons or redeemed for cash. The usage of the above Gift is subject to the terms as specified by the supplier(s). BOCHK is not the supplier of the Gift. Any enquiry or complaint in respect of the Gift should be directed to the relevant supplier(s). BOCHK gives no guarantee to the Gift or the services of the supplier(s), or does not accept any liability arising in conjunction with the use of Gift or services provided by the supplier(s). BOCHK will not re-send or replace the Gift / Redemption Letter under any circumstances and will not be accountable for any liabilities. 10. Grand Lucky Draw: During the Promotion Period, customers who newly take up or upgrade to Wealth Management / Enrich Banking (applicable to sole-name account only) or Existing Wealth Management / Enrich Banking (applicable to sole-name account only) complete any one of the following designated transactions ( Eligible Transactions ) can automatically enter into Lucky Draw while registration is not required. The lucky draw chance for each Eligible Transaction is listed below. If customers complete more than one Eligible Transaction, additional lucky draw chances will be granted. There is no limit on the number of

12 Lucky Draw chance. Eligible Transactions Number of Lucky Draw Chance Banking Service Newly take up / upgrade to Wealth 1 Management / Enrich Banking Payroll Newly register for Payroll service and receive salary* via payroll account^ 10 (applicable to Civil Servants) 5 (applicable to General Customers) Credit Card Successfully apply for Wealth Management 1 Visa Infinite Card / Enrich Banking World MasterCard Time Deposit Place Time Deposit with New Fund 1 Investment Deposit HK Stocks or Shanghai A Shares 1 ^ Civil Servant / General Customers should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name accounts) ( Payroll Account ) with BOCHK and register for Payroll Service via any branch, Phone Banking or Internet Banking or BOCHK during the Promotion Period. For the definition of Civil Servant, please refer to Clause (3b). * Means of receiving salary includes electronic payroll arrangement or newly set up single standing instruction (not including the standing instruction originating from BOCHK and Chiyu Banking Corporation Limited) via Payroll Account while 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. The Lucky Draw Prize is HK$10,000 Free Spending Credit and there will be 20 customers receiving the Lucky Draw Prize. BOCHK will base on customers account record to determine the number of lucky draw chance and the Lucky Draw will be randomly executed by BOCHK s computer system in August The result of the Lucky Draw will be announced on BOCHK s website at on 5 September 2016 and the entitled customers will be notified by phone. The free spending credit will be credited to the entitled customers valid BOC Credit Card account by 31 October Customers have to maintain the related Integrated Account Service or an Integrated Account Service with higher Total Relationship Balance requirement when crediting the Free Spending Credit, or else the relevant reward will be forfeited. In the interest of fairness, the Lucky Draw is not applicable to BOCHK Staff. 11. Travel Upgrade Reward: Customers who fulfil the following requirements ( Travel Upgrade Reward Eligible Customers ) can enjoy the Travel Upgrade Reward which value up to HK$2,388: i. Newly take up / upgrade / have already taken up Enrich Banking Integrate Account Service as of 31 July 2016; and ii. Fulfil requirement of any 3 or more of the following designated services/ transactions from 18 January 2016 to 31 July 2016 (both dates inclusive): a. HKD/ USD Time Deposit: - Successfully open 1-month or above HKD/ USD Time Deposit with new funds of accumulated amount of HK$200,000 or above/ US$25,000 or above with BOCHK; - Funds that are deposited via cashier's order / cheques and transfers / remittance from banks

13 within BOCHK Group will not be considered as new funds. For details of the definition of new funds, please contact BOCHK's staff. In case of disputes, BOCHK has the sole discretion to determine the definition of new funds ; b. Monthly Savings Plan (Deposits/Stocks/Fund): - Newly setup Monthly Savings Plan (Deposits/Stocks/Fund), settle the first contribution payment successfully on or before 31 July 2016 with monthly contribution of HK$5,000 or more equivalent (For each Monthly Saving Plan), and make consecutive contribution for at least 3 months (if customer failed to make consecutive contribution for at least 3 months, BOCHK reserves the right to forfeit the relevant offer without prior notice): Monthly Deposits Savings Plan - Club Deposit Account: Successfully set up new HKD/RMB Monthly Deposits Savings Plan - Club Deposit via BOCHK; or Monthly Stocks Savings Plan: Newly setup Monthly Stocks Savings Plan through a BOCHK Securities Account (including Family Securities Account); or Monthly Funds Savings Plan: Newly setup Monthly Fund Savings Plan via BOCHK c. Insurance - Enroll in BOC Worldwide Medical Insurance Plan or BOC Family Medical Insurance Plan and fulfil the following requirements: (i) the Annual Premium should reach HK$5,000 or above; and (ii)submit the duly completed and signed application form(s) together with the other required documents to Bank of China Group Insurance Company Limited ( BOCG Insurance ) during the period from 18 January 2016 to 31 July 2016 (both dates inclusive); and (iii) the Annual Premium should be paid in full on or before 31 July 2016 (late payment is not accepted); and (iv) the policy(ies) should be effective on or before 31 July 2016; - For the details of the BOC Worldwide Medical Insurance Plan and BOC Family Medical Insurance Plan, please contact BOCHK branch staff; d. Payroll Service: - Customers should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name accounts) ( Payroll Account ) with BOCHK and register for Payroll Service via any branch, Phone Banking or Internet Banking of BOCHK during the period from 18 January 2016 to 31 July 2016 (both dates inclusive); and - Start receiving salary by electronic payroll arrangement or newly set up single standing instruction (not including the standing instruction originating from BOCHK and Chiyu Banking Corporation Limited) via Payroll Account from the date of payroll service registration; - 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. e. Securities Services: - Successfully open new Securities Account (including Securities Margin Trading Account) and do not have any securities account with BOCHK within 6 months preceding the date of New Securities Accounts opening, and conduct buying/ selling transactions of 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 ) via the new Securities Account, with accumulated transaction amount of

14 HK$200,000 equivalent or above; or - Successfully open new Family Securities Account and do not have any Family Securities Account with BOCHK within 6 months preceding the date of New Family Securities Accounts opening, and conduct buying/ selling transactions of securities listed on the HKEx and settled in HKD or RMB (exclude Monthly Stocks Savings Plan and IPO subscription) or securities listed on SSE via the new Family Securities Account, with accumulated transaction amount of HK$200,000 equivalent or above; f. Fund: - Conduct lump-sum subscription or fund switching between different fund houses through a same-name fund account (sole-name / joint-name account) (excluding Money Market funds, switching between the same fund house) with subscription amount of HK$200,000 equivalent or above; - For transactions denominated in foreign currencies, the relevant transaction amount will be converted into Hong Kong Dollar on the basis of the prevailing exchange rate quoted by BOCHK at the close of the transaction day. BOCHK reserves the right to change the calculation method of transaction amount at its sole discretion; g. Foreign Exchange: - Conduct foreign currency exchange transaction at the telegraphic transfer rate through same-name Multi-Currency Savings Account and with accumulated exchange amount of HK$200,000 or above. For transactions denominated in foreign currencies, the relevant transaction amount will be converted into Hong Kong dollars on the basis of the prevailing exchange rate quoted by BOCHK at the close of business on the transaction day. BOCHK reserves the right to change the calculation method of transaction amount at its sole discretion; h. Mortgage: - Submit application for new property mortgage loan / property mortgage refinancing loan / mortgage further advance / re-mortgage loan ( Property Mortgage Loan ) to BOCHK during the period from 18 January 2016 to 30 June 2016 (both dates inclusive), and successfully drawdown Property Mortgage Loan with loan amount of HK$2,000,000 or above on or before 30 September 2016; - If the borrower of the Property Mortgage Loan is a joint account, the related sole-name accounts are also considered as fulfilling this requirement. Number of designated services/ transactions Travel Upgrade Reward which requirements have been successfully fulfilled 3 Free Airport Lounge Service ( Gift ) for 2 (Total approximate value of HK$700) 4 or above Free Airport Lounge Service ( Gift ) for 3 and HK$1,338 BOC Credit Card Free Spending Credit (Total approximate value of HK$2,388) Each Travel Upgrade Reward Eligible Customer can enjoy this offer once only. If the Travel Upgrade Reward Eligible Customer is a joint account, the holders of such account will be considered as one customer and only one of the account holders will be entitled to Travel Upgrade Reward. BOCHK reserves the right to grant the Travel Upgrade Reward to any one of the joint-account holders. If Travel Upgrade Reward Eligible Customers submit application for new Property Mortgage Loan to BOCHK

15 on or before 30 June 2016, the Gift will be delivered by mail to the Travel Upgrade Reward Eligible Customers on or before 31 December 2016 in accordance with the correspondence address record of BOCHK; otherwise, the Gift will be delivered by mail to the Travel Upgrade Reward Eligible Customers on or before 31 October 2016 in accordance with the correspondence address record of BOCHK. If Travel Upgrade Reward Eligible Customers submit application for new Property Mortgage Loan to BOCHK on or before 30 June 2016, Free Spending Credit will be credited to the valid BOC Credit Card of Travel Upgrade Reward Eligible Customers on or before 31 December 2016; otherwise, Free Spending Credit will be credited to the valid BOC Credit Card of Travel Upgrade Reward Eligible Customers on or before 31 October If the Travel Upgrade Reward Eligible Customer is a sole-name account customer aged 18 or above, BOCHK will provide the reward in the form of Free Spending Credit which will be credited into the customer s valid BOC Credit Card account; if the Travel Upgrade Reward Eligible Customer is joint-name account customer or sole-name customer aged between 11 and 17, BOCHK will credit cash of equivalent value to settlement account of the aforesaid customer s Integrated Account Service settlement account without prior notice. Travel Upgrade Reward Eligible Customers have to maintain the related Integrated Account Service or an Integrated Account Service with higher Total Relationship Balance requirement when crediting the Free Spending Credit or cash, or else the relevant reward will be forfeited. Travel Upgrade Reward is limited and available on a first-come first-served basis while quota lasts. 12. Foreign Exchange Offer: The promotion period is from 3 May 2016 to 31 July 2016 (both dates inclusive) ( Foreign Exchange Promotion Period ). To be eligible for up to 60 pips Foreign Exchange Offer, customer should convert HKD to the Designated Currencies (or vice versa, if applicable) at telegraphic transfer exchange rate under the account of the same account holder of the Enrich Banking service. (If Enrich Banking service is signed up in joint-name, the transactions should be conducted under the same joint-name). The table below sets out the details of the offer: Designated Currencies Exchange Offer EUR 60 pips AUD, JPY 20 pips Customers can conduct foreign currency exchange at any branch or via Manned Phone Banking Services, Automated Phone Banking Services, Internet Banking or Mobile Banking of BOCHK. The offer is not applicable to foreign currency banknotes exchange and transactions through Corporate Banking Services Online. BOCHK reserves the right to change the foreign exchange offer at any time at its sole discretion without prior notice. 13. Universal Travel Insurance Offer: From 3 May 2016 to 30 June 2016 (both dates inclusive) ( Universal Travel Insurance Promotion Period ), Wealth Management / Enrich Banking customers can enjoy following privileges: Enrolment Channels Annual Travel Plan Premium Discount Single Travel Plan Premium Discount BOCHK Mobile Application Not Applicable 20% off Phone Banking or Branch 50% off 20% off