Terms of the promotion offers:

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1 Terms of the promotion offers: 1. HKD Time Deposit Offer: The promotion period is from 1 May 2016 to 30 June 2016 (both dates inclusive) ( HKD Time Deposit Offer Promotion Period ). To enjoy the preferential HKD time deposit interest rate, customers should place a 12-month HKD time deposit of HK$50,000 or above with new funds at any branch of Bank of China (Hong Kong) Limited (the Bank ) during the HKD Time Deposit Offer Promotion Period. Funds that are deposited via cashier's order / cheques and transfers / remittance from other accounts within the Bank, Nanyang Commercial Bank, Limited or Chiyu Banking Corporation Limited will not be considered as new funds. For details of the definition of new funds, please contact the Bank's staff. The Bank reserves the absolute right to determine the definition of new funds at its discretion. The preferential HKD time deposit interest rate in this promotion material is quoted based on the interest rate of 12-month HKD time deposit published on 18 April 2016 by the Bank and is for reference only. The actual interest rates will be subject to the quotes by the Bank from time to time. The preferential interest rate is a one-off privilege for each time deposit and the subsequent renewal rates of time deposits will be subject to the quotes by the Bank from time to time. Saturdays, Sundays and Public Holidays are not banking business day. The Eligible Time Deposit and / or the interests will be credited to the relevant savings accounts on the next banking business day. 2. Foreign Currencies Time Deposit Offer: The promotion period is from 1 May 2016 to 30 June 2016 (both dates inclusive) ( Foreign Currencies Time Deposit Offer Promotion Period ). To enjoy the preferential time deposit interest rate offers, Personal Integrated Account Service Customer should place a 7-day / 1-month Preferential Foreign Currencies Time Deposit of equivalent HK$50,000 or above with conversion of funds via branches, Internet Banking or Mobile Banking of the Bank during the Foreign Currencies Time Deposit Offer Promotion Period. Funds that are deposited via cashier's order / cheques and transfers / remittance from other accounts within the Bank, Nanyang Commercial Bank, Limited or Chiyu Banking Corporation Limited will not be considered as new funds. For details of the definition of new funds, please contact the Bank's staff. The Bank reserves the absolute right to determine the definition of new funds at its discretion. The preferential time deposit interest rates in this promotion material are quoted based on

2 the interest rate of 7-day NZD time deposit published on 18 April 2016 by the Bank and is for reference only. The preferential interest rate is a one-off privilege for each time deposit and the subsequent renewal rates of time deposits will be subjected to the quotes by the Bank from time to time. Saturdays, Sundays and Public Holidays are not banking business day. The Eligible Time Deposit and / or the interests will be credited to the relevant savings accounts on the next banking business day. 3. Payroll Service Rewards: The promotion period is from 1 April 2016 to 30 June 2016 (both dates inclusive) ( Payroll Service Promotion Period ). To be eligible for BOC Credit Card Free Spending Credit ( Free Spending Credit ), customers should maintain a valid HKD Savings Account or HKD Current Account (inducting sole-name or joint-name accounts) ( Payroll Account ) with the bank, and a. register for Payroll Service via any branch, Phone Banking or Internet Banking of the Bank during the Payroll Service Promotion Period; AND b. start receiving salary by Electronic Payroll Arrangement or a newly setup Single Standing Instruction (not including the standing instruction originating from the Bank, 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 BOC Credit Card (International) Ltd. (the Card Company ); AND c. have not registered for and / or taken up the Bank' s Payroll Service from 1 January to 31 March 2016 ( Payroll Service Eligible Customers ). The details of the offer are as follows: i) Welcome Reward The amount of Free Spending Credit received by the Eligible Payroll Customers of Payroll Service will be determined by the amount of first monthly salary received through the Payroll Account. For details, please refer to below table. Monthly Salary i-free Banking customers HK$10,000 or above HK$100 Free Spending Credit 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 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 Customers of Payroll Service should receive salary via the Payroll Account by Electronic Payroll Arrangement or a newly setup Single Standing Instruction (not including the standing instruction originating from the Bank 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 should hold valid i-free Banking.

3 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 October2017. The Eligible Customers of Payroll Service should still receive salary via the Payroll Account 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 customer's employer crediting the customer's salary to customer's Payroll Account through the Bank or other banks' payroll system. Standing instruction, overseas remittance, local electronic transfer, cheque or cash deposit will not be considered as Electronic Payroll Arrangement. The Bank reserves the absolute right to define the terms of Salary, Electronic Payroll Arrangement and Single Standing Instruction. Each Payroll Service Eligible Customer can enjoy this offer once only. If an Eligible Customers of Payroll Service registers for more than one Payroll Account within the Payroll Service Promotion Period, Payroll Service Eligible Customers can only enjoy the offer once. If the Payroll Account is a joint-name 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 Spending Credit is credited by the Card Company, the Bank 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 the staff of the Bank and its subsidiaries. iii) Payment Service Reward Eligible Customers of Payroll Service should fulfill the following requirements to enjoy Payment Service Reward ( DDA Instruction Eligible Customers ): a. set up the New Direct Debit Authorisation ( DDA ) instruction(s) with Savings or Current Account of the Bank during the Payroll Service Promotion Period (including but not limited to payments for utility bills, payment for BOC Credit Card or other merchants bills); AND b. conduct at least one transaction under such DDA instruction on a before 30 November 2016; AND c. not have any DDA instruction set up on 31 March HK$100 Free Spending Credit will be credited to the valid BOC Credit Card Accounts held by the DDA Instruction Eligible Customers on or before 28 February If the Eligible Customer of DDA Instruction sets up DDA instruction(s) under a joint-name 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 Bank's

4 record. iv) Securities Service Rewards Eligible Customers of Payroll Service shall successfully open new sole-name / joint-name securities accounts (including Securities Margin Trading Accounts but excluding Family Securities Accounts) ( New Securities Accounts ) with the Bank during Payroll Service Promotion Period and conduct buying 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 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) to enjoy an extra HK$100 Free Spending Credit. Free Spending Credit will be credited to the valid BOC Credit Card Accounts held by Payroll Service Eligible Customers on a before28 February If Payroll Service is registered under joint-name, the securities account should be opened under the same joint-name. 4. BOC Credit Card Free Spending Credit ( Free Spending Credit ) Terms: 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 transferable. If Payroll Service Eligible Customers hold more than one eligible BOC Credit Card, the Free Spending Credit will be credited to the highest tier eligible 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). The status of the credit card accounts held by the Eligible Customers of Payroll Service must 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 Payroll Service Eligible Customers cannot fulfill the above requirements, BOCHK and the Card Company reserve the right to forfeit the relevant offer without prior notice. 5. Terms and Conditions of BOC i-card Welcome Offer: The promotion period runs from now until 30 June2016 (both dates inclusive) ( BOC i-card Welcome Offer Promotion Period ). Only applicant whose application is approved within the BOC i-card Welcome Offer Promotion Period will be eligible for the welcome offer. There is no spending requirement for the BOC i-card applicant who selects Interest-Free Cash

5 Installment Loan (the Loan ) as the welcome offer. The maximum Loan amount cannot exceed HK$80,000 or 80% of the available credit limit of the relevant card accounts (whichever is lower) whereas the minimum Loan amount is set at HK$3,000. The Loan shall be repaid by 9 equal monthly installments. The Company has the right to make the final decision on the approved loan amount. Details of the Loan including, but not limited to, the approved amount, the loan tenor and the repayment period will be specified in a loan approval notification letter. Application for the Loan shall be subject to the Terms and Conditions of Installment Program. Any amount debited to the account in connection with the Loan shall not be counted towards the award of Gift Points or the Cash Rebate program. If no payment or payment of less than the outstanding balance of the relevant account is received by the Company on or before the payment due date, fees and charges at a rate as set out in the Fees Schedule shall be charged. Please refer to the Card User Agreement, Terms and Conditions of Installment Program and the Fees Schedule for details. Successful BOC i-card applicants, who select Foldable Bicycle as the welcome offer, are required to accumulate spending of HK$8,800 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 Company from time to time are excluded) within the first two months of card issuance in order to be eligible for the welcome offer. Successful BOC i-card applicants, who select Stylish 20" Travel Trolley 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 payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such other transaction types designated by the 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 Company from time to time are excluded) 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). Applicants who 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, Private Label Card and BOC Express Cash Revolving Credit are all excluded), or have cancelled the above cards or were once holders of the above cards on or after 1 July 2015

6 will not be entitled to the welcome offer for main cardholders upon approval of application. If the additional card applicant 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. The redemption letter will be sent to main cardholders while Gift Point will be credited to main cardholders accounts within 4 to 6 weeks after all Spending requirements (if applicable) are fulfilled. The status of the relevant credit card account must be normal, valid and in good credit condition. Upon confirmation of the selection of the gift, it cannot be altered or exchanged for cash or other gifts. If applicants have not specified their gift preference or have selected more than one gift, the Company will make the final decision on their behalf. All gifts are available while stocks last. The Company reserves the right to offer an alternative gift of equivalent or approximate value in case of shortage. If a cardholder has made multiple redemptions or the relevant transaction to fulfill the Spending requirement has been cancelled for whatever reason, the Company reserves the right to debit from the cardholder s account the amount equivalent to the cost of the welcome offer of which the cost of Foldable Bicycle is HK$1,388; Stylish 20" Travel Trolley is HK$388 and the handling fee up to HK$300 without prior notice. If a new cardholder cancels the main credit card account within 12 months after card issuance, the Company will debit an administration fee HK$1,600 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 BOC i-card Welcome Offer 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 Company accepts no liability for the quality of or any other matters relating to the gifts. The vendors are solely responsible for all the obligations and liabilities relating to the gifts. The Company reserves the right to change, suspend or terminate the welcome offers or amend their terms and conditions at its sole discretion without prior notice. In case of any dispute(s), the decision of the Company shall be final. 6. Terms and Conditions of Credit Card Extra Welcome Offer: The promotion period is from 1 April 2016 until 30 June 2016 (both dates inclusive) ( Credit Card Extra Welcome Offer Promotion Period ). During the Credit Card Extra Welcome Offer Promotion Period, the Credit card welcome offer of an extra HK$100 Free Spending Credit is only applicable to customers who newly take

7 up/upgrade to i-free Banking and are accepted by the Card Company as a main cardholder of a BOC i-card and with accumulated spending of HK$2,000 or above in retail spending/ cash advance /Cash Before Card /posted amount of merchant instalment program, which will be accepted as the stipulated spending requirement (the Spending ) (online bill payment, Octopus Automatic Add Value Service, unposted repayment of cash instalment plan and such other transaction types as may be designated by the Card Company from time to time are excluded), within the first two months of card issuance ( BOC i-card Reward Eligible Customers ) can enjoy extra HK$100 BOC Credit Card Free Spending Credit ( Free Spending Credit ). Applicants who are existing main cardholder of BOC i-card, or have cancelled the above cards or were once holders of the above card on or after 1 July 2015 will not be entitled to the Free Spending Credit for main cardholders upon approval of application. Free Spending Credit will be credited to the valid BOC i-card accounts held by the BOC i-card Reward Eligible Customers on or before 31 October Each BOC i-card Reward Eligible Customers can only enjoy this offer once and cannot be used in conjunction with other Free Spending Credit offer of other Integrated Account Services. BOC i-card Reward Eligible Customers should still maintain the valid BOC i-card and take up i-free Banking when the Free Spending Credit is to be credited by the Card Company. Otherwise, the relevant offer will be forfeited and no other offer will be awarded in its place. Free Spending Credits 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 Credits credited. Free Spending Credit cannot be converted into cash or exchanged for other gifts and is also not refundable and transferable. The status of the credit card accounts held by the BOC i-card Reward Eligible Customers should be normal, valid and in good standing, and such accounts should not have breached the Card User Agreement when the Free Spending Credits credited by the Card Company. If the BOC i-card Reward Eligible Customers cannot fulfil the above requirements, BOCHK and the Card Company reserve the right to forfeit the relevant offer without prior notice. 7. Terms and Conditions of Online Application Extra Welcome Gift: The promotion period is from 1 April 2016 to 30 June 2016(both dates inclusive) ( Online Application Extra Welcome Gift Promotion Period ). Only applicant whose main card application is made online application and approved within the Online Application Extra Welcome Gift Promotion Period will be eligible for the online application extra welcome gift. The online application extra welcome gift is 25,000 Gift Points. Applicants who are existing main cardholders of BOC Credit Card and / or BOC CUP Dual Currency Credit Card (Additional Card, Business Card, Corporate Card, Purchasing Card,

8 Intown Virtual Card, Great Wall International Card, US Dollar Card, Credit Card issued in Macau SAR, Private Label Card and BOC Express Cash Card are all excluded), or have cancelled the above card or were once cardholders of the above card on or after 1 July 2015 will not be eligible for the online application extra welcome gift for main cardholder upon approval of application. 25,000 Gift Points will be credit to main card account within 4-8 weeks after card issue. The status of the credit card account must be normal, valid and in good credit condition then. The Company reserves the right to change, suspend a terminate the welcome offers or amend their terms and conditions at its sole discretion without prior notice. All matters and disputes are subject to the final decision of the Company. 8. Monthly Stocks Savings Plan Transaction Fee Reduction Offer: The promotion period is from 1 April 2016 to 31 July 2016 (both dates inclusive) ( Monthly Stocks Savings Plan Promotion Period ). This offer is only applicable to the customers who set up Monthly Stocks Savings Plans via securities account (including Family Securities Accounts) ( Eligible Securities Accounts ) maintained with the Bank during the Monthly Stocks Savings Plan Promotion Period, settle the first contribution payment successfully (including contribution payment settled via securities settlement accounts or BOC Credit Cards) on or before 10 August 2016 ( First Eligible Contribution ) and do not make any contribution on Monthly Stocks Savings Plan through the same Eligible Securities Account within 6 months preceding the date of the first contribution. ( Eligible Customer ) Eligible Customer can enjoy HK$50 transaction fee reduction for each month for the first 6 consecutive month contributions starting from the First Eligible Contribution. However, Eligible Customer should pay the transaction fee first (transaction fee is equivalent to 0.25% of the monthly contribution amount for each plan, including the brokerage fee, stamp duty, transaction levy and transaction charge. The minimum monthly charge is HKD / RMB50). The transaction fee reduction amount will be credited to the settlement account of Eligible Customer within the 8 th calendar month starting from the First Eligible Contribution. If an Eligible Customer holds more than one settlement account, the Bank has the discretion to credit the transaction fee reduction amount to any one of the securities settlement accounts. Eligible Customer should maintain the Eligible Securities Accounts and the relevant settlement account at the time when the transaction fee reduction is credited; otherwise this offer will be forfeited. If an Eligible Customer terminates the Monthly Stocks Savings Plan or is unable to make contribution within 6 months after making the First Eligible Contribution for any reason, this offer will be forfeited. The Eligible Customer can still enjoy HK$50 monthly transaction fee reduction before the offer is forfeited and the transaction fee reduction amount will be credited into the settlement account of Eligible Customer within the 8 th calendar month starting from the First Eligible Contribution. However, if the customer sets up the Monthly

9 Stocks Savings Plan again with the same Eligible Securities Account and make contribution within the Monthly Stocks Savings Plan Promotion Period, he / she is not eligible for this offer again. Each Eligible Customer can set up Monthly Stocks Savings Plans with more than one Eligible Securities Account. However, each Eligible Securities Account can enjoy up to HK$300 transaction fee reduction only. 9. Monthly Funds Savings Plan Subscription Fee Reduction Offers: The promotion period is from 1 April 2016 to 31 July 2016 (both dates inclusive)( Monthly Funds Savings Plan Promotion Period ) This offer is only applicable to the customers who newly set up Monthly Funds Savings Plans via the Bank during the Monthly Funds Savings Plan Promotion Period, and settle the first contribution payment successfully (inducting contribution payment settled via fund settlement accounts or BOC Credit Cards) on or before 22 August 2016 ( First Eligible Contribution ) together with contributions made for 6 consecutive months from the date of First Eligible Contribution. ( Eligible Subscription Fee Reduction Customers"). Eligible Subscription Fee Reduction Customers are required to fully settle the subscription fee at the time of subscription every month. The amount of subscription fee reduction will be calculated at a rate of 2% of the aggregate amount of actual monthly contribution made in first 6 months ( Subscription Fee Reduction %"). See below example for illustration purpose: Assume monthly Aggregate amount of monthly Subscription fee contribution made (or its contribution made in first 6 reduction amount (C) equivalent in foreign months (or its equivalent in (C)=(B) x Subscription currencies) (A) foreign currencies) (B) Fee Reduction % (B)= (A) x 6 HK$3,000 HK$18,000 HK$300 HK$2,500 HK$15,000 HK$300 HK$1,800 HK$10,800 HK$216 HK$1,000 HK$6,000 HK$120 Subscription Fee Reduction will be credited automatically into the valid BOC Credit Card hold by Eligible Subscription Fee Reduction Customers in form of BOC Credit Card Free Spending Credit in the 8th calendar month starting from the First Eligible Contribution ( Free Spending Credit ). If an Eligible Subscription Fee Reduction Customer has terminated a Monthly Funds Savings Plan of the same fund within the Monthly Funds Savings Plan Promotion Period offer, this offer will be forfeited. Eligible Subscription Fee Reduction Customers should maintain the fund account and valid BOC Credit Card when the Free Spending Credit is credited by the Card Company, otherwise this offer will be forfeited. When the Card Company credits the Free Spending Credit, Eligible Subscription Fee Reduction Customers must hold BOC credit card issued in Hong Kong bearing the logo, not applicable to

10 Credit Cards issued in mainland China and Macau, Private Label Card, Great Wall International Card, USD Card, Purchasing Card, BOC Prepaid Card, BOC Express Cash Revolving Credit and Intown Cards. 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 an Eligible Subscription Fee Reduction Customer holds more than one BOC Credit Card, the Free Spending Credit will be credited to the highest tier BOC Credit Card Amount (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). The status of the credit card accounts held by Eligible Subscription Fee Reduction Customers must 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 Eligible Subscription Fee Reduction Customers should not have breached the Card User Agreement when the Free Spending Credit is credited by the Card Company. If Eligible Subscription Fee Reduction Customers cannot fulfil the above requirement, the Bank and the Card Company reserve the right to forfeit the relevant offer without prior notice. In case of joint name account holders, only one of the account holders will be entitled to this promotion offer. The Bank reserves the right to credit the Free Spending Credit to the valid BOC Credit Card Account held by any one of the joint name account holders. Each Eligible Subscription Fee Reduction Customer can enjoy up to HK$300 subscription fee reduction only. For fund 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 the Bank at the close of the transaction day. The Bank reserves the right to change the calculation method of transaction amount at its sole discretion. 10. BOC Credit Card gift points offer: The above Gift Points Conversion Rate is subject to the Bank's announcement from time to time. The Gift Points are only applicable to customers who hold valid BOC Credit Cards issued in Hong Kong bearing logo, while customers of Great Wall International Credit Card, USD Card, BOC Purchasing Card, BOC Prepaid Card, Private Label Card, Intown Card, BOC Express Cash Card, and customers who have participated in the cash rebate plan are excluded. The Gift Points cannot be redeemed for cash or exchanged for other products or services, and cannot be transferred. The above terms should be read in conjunction with those contained in the latest issue of BOC Credit Card Gift Point Catalogue.

11 (i) Monthly Stocks Savings Plan If the Monthly Stocks Savings Plan contribution amount is paid by BOC Credit Card, the BOC Credit Card Gift Points will be calculated based on the number of consecutive months of contribution. 1 to to 24 Over 24 Consecutive Month(s) of Contributions months months months Conversion Rate (Hong Kong dollars / RMB 5:1 3:1 1:1 contribution amount: Credit Card Gift Points) A maximum of 10,000 BOC Credit Card Gift Upper Limit of Gift Points Points can be earned for each monthly contribution (ii) Monthly Funds Savings Plan If the Monthly Funds Savings Plan contribution amount is paid by BOC Credit Card, the BOC Credit Card Gift Points will be converted at a rate of 1:1 (Each contribution HK$1 = 1 BOC Credit Card Gift Point). A maximum of 20,000 BOC Credit Card Gift Points can be earned for each monthly contribution. 11. HKD Monthly Deposit Savings Plan The promotion period is from 1 April 2016 to 30 June 2016 (both dates inclusive)( Monthly Deposit Savings Plan Promotion Period ) To be eligible for these offers, customers must successfully set up new HKD Monthly Deposit Savings Plan (Integrated Account) (for Integrated Account Services Customers) or Payroll Customers Monthly Deposit Savings Plan via any branch, Internet Banking, Mobile Banking or Manned Phone Banking Services of the Bank during the Monthly Savings Plan Promotion Period. The above HKD Monthly Deposit Savings Plan interest rates are based on the interest rates of a 12-month HKD/a 18-month Monthly Deposit Savings Plan quoted on 21 April 2016 by the Bank and are for reference only. The actual interest rates will be subject to the quotes by the Bank from time to time. Manned Phone Banking Services are only applicable to selected customers with designated transaction account. For details, please contact our branch staff. The preferential interest rate is a one-off privilege for each time deposit and the subsequent renewal rates of time deposits will be subject to the quotes by BOCHK from time to time. Offer is limited and available while quota lasts. General Terms: The above offers are only applicable to personal banking customers. Customers can enjoy all the offers listed above simultaneously. However, these offers cannot be used in conjunction with other promotion offers that are not listed in this promotion material.

12 Funds that are deposited via cashier's order / cheques and transfers / remittance from other accounts within the Bank, Nanyang Commercial Bank, Limited and Chiyu Banking Corporation Limited will not be considered as new funds. For the definition of new funds, please contact the Bank's staff. The Bank reserves the absolute right to determine the definition of new funds at its discretion. The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the Bank's staff. The Bank and the Card Company reserve the right to amend, suspend and terminate the above products, services and offers and to amend the relevant terms at any time at its sole discretion without prior notice. The offers quantity is limited while stock lasts. In case of any dispute, the decision of the Bank and the Card Company shall be final. Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail. Terms and conditions of "Monthly Stocks Savings Plan": 1. To set up a Monthly Stocks Savings Plan, customers are required to hold a securities account. Customers can at most set up one Monthly Stocks Savings Plan with its contribution paid through securities settlement account and one Monthly Stocks Savings Plan with its contribution paid through BOC Credit Card for each securities account. 2. If the required contribution amount could not be debited by Bank of China (Hong Kong) Limited (the Bank ) from the customer s securities settlement account or BOC Credit Card for three consecutive months, the Bank will have the right to terminate the relevant plan without prior notice. 3. The maximum monthly contribution amount paid by BOC Credit Card is subject to the credit limit of the BOC Credit Card. 4. Change in the number of stocks, monthly contribution amount or the use of another BOC Credit Card as the debit account will not affect the calculation of Consecutive Contribution Period. 5. Unless otherwise specified, the contribution day of the Monthly Stocks Savings Plan is on the tenth day of each month. If such day is not a stock trading day, contribution day will fall on the next stock trading day. If the contribution amount is paid by BOC Credit Card, the contribution amount will be debited 2 business days before the contribution day. 6. If the contribution amount is paid by securities settlement account, the plan(s) cannot be set up from the transaction day to two stock trading days after the transaction day. If the contribution amount is paid by BOC Credit Card, the plan(s) cannot be set up from the credit card contribution day to two stock trading days after the transaction day. 7. A maximum of 20 stocks can be selected under the same plan. 8. To adjust the contribution amount or the stock portfolio, the customer is required to place an instruction through any branches, Investment Trading Hotline or Internet Banking of the Bank 3 business days before the next transaction day.

13 9. The first successful contribution month, the number of consecutive contribution months and BOC Credit Card Gift Point conversion rate are determined in accordance with the Bank s records. Terms and conditions of "Monthly Funds Savings Plan": 1. The Minimum Monthly Contribution of Monthly Funds Savings Plan includes subscription fee. The charge will be calculated on the basis of a certain percentage of the monthly investment amount. Please refer to the relevant fact sheets, Fund Explanatory Memorandum / Prospectus for details. Any latest announcement from the fund house shall be conclusive. 2. Unless specified by the Bank, the cut-off date for applications to add, amend or terminate "Monthly Funds Savings Plan" (the "Plan") is three Hong Kong banking business days (excluding Saturdays) before the Contribution Date (as defined below). Any application submitted after the relevant cut-off date will be processed as an application in respect of the following month. 3. Unless specified by the Bank, the date of contribution and subscription under the Plan is scheduled to be the 20th of each month ("Contribution Date") or, if such day is a Saturday or a public holiday in Hong Kong, the date of contribution and subscription will be postponed to the next banking business day. 4. Customers can pay the monthly contributions by direct debit from the designated settlement accounts maintained at the Bank or BOC Credit Cards. If the monthly contribution is settled via the settlement accounts, it will be debited on the Contribution Date, and customers should maintain sufficient funds in the settlement accounts to cover the amount. If the monthly contribution is settled by BOC Credit Cards, it will be debited on two Hong Kong banking business days (excluding Saturdays) before the Contribution Date or any other date specified by the Bank, and the customers should maintain sufficient available credit limit to cover the amount. 5. If the monthly contribution is settled via settlement accounts, the minimum monthly contribution for the Plan is HK$1,000 (or the minimum monthly contribution of other currencies stated below). Other currencies include: Other Currencies USD AUD NZD EUR GBP CAD YEN CHF SEK Minimum Monthly Contribution , If the monthly contribution is settled by BOC Credit Cards, the minimum and maximum monthly contribution for the Plan is HK$1,000 and HK$20,000 respectively. 6. If the customers fail to make the payments of monthly contribution for three consecutive months, the Bank reserves the right to terminate the relevant Plan immediately. Risk Disclosure: The following risk disclosure statements cannot disclose all the risks involved. You should not rely on the content of this promotion material for making any investment decision.

14 The investment products or services mentioned in this promotion material 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 Funds may go up as well as down and the Funds may become valueless. Therefore, you may not receive any return from your investment in Funds. Part of the investment may not be able to liquidate immediately under certain market situation. 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. If you have any enquiry on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser. 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 securities. Risks of trading of listed RMB products: Investment / Market Risk The price of RMB equity products in the secondary market 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 RM equity products. Losses may be incurred even if RMB appreciates against HKD or other currencies. Currency Risk If RMB is not the customer s home currency, investment in RMB equity products will be subject to the currency risk. Currency conversion cost will be incurred, which is the spread between buying and selling of RMB, at the time of RMB conversion for buying and selling of RMB equity products. Even if the price of the RMB equity product remains unchanged, customer may not receive the original investment capital amount in HKD when selling the product due to the spread between buying and selling of RMB. Moreover, RMB is subject to relative strict foreign exchange restrictions. Although the Central Government of the PRC has relaxed the restrictions by allowing banks in Hong Kong to conduct RMB business in a specified scope, RMB is currently not freely convertible in Hong Kong. Customer may not be able to convert RMB at the preferred time and/or in the preferred amount or conversion cannot be made, which may lead to investment losses. The policies of the Central Government of the PRC on foreign exchange control are subject to change, and the customer s investment may be adversely affected.

15 Liquidity Risk RMB equity products are a new type of investment product in the Hong Kong market. Regular trading or an active secondary market of these products may not be available. Therefore, customer may not be able to sell his/her holdings of RMB equity products on a timely basis, or customer may have to offer them for sale at a deep discount to their value in order to find a buyer. If the Central Government of the People s Republic of China tightens foreign exchange controls, the liquidity of RMB funds and RMB equity products in Hong Kong will be affected and customer may be exposed to greater liquidity risk. Exchange Rate Risk RMB equity products that are traded and settled in RMB are exposed to exchange rate risk. 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. Moreover there is no guarantee that RMB will not depredate. Any devaluation of RMB could adversely affect the value of your investment in the RMB equity products. RMB equity products are not an investment instrument for speculating on RMB / HKD exchange rate movements. Default Risk & Credit Risk RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies. The performance of RMB equity products is affected by the underlying business performance and a variety of other factors in connection with the issuers, and is subject to the credit risks associated with the special profile or special business strategy that the issuers may have. Emerging Market Risk RMB equity products associating with the market of the Mainland of China are particularly subject to risks that may arise from the relevant market / industry / sector and other factors such as change in government policies, taxation and political development in the Mainland. RMB Conversion Limitation Risk RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the RMB exchange rate 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.

16 Risk of trading A shares via Shanghai-Hong Kong Stock Connect: You are advised to understand the relevant details, charges and important notes before investing in Shanghai A shares. For details, please visit BOCHK website or contact BOCHK branch staff. Not protected by Investor Compensation Fund Investors should note that any Northbound trading under Shanghai-Hong Kong Stock Connect will not be covered by Hong Kong's Investor Compensation Fund. Also, China Securities Investor Protection Fund will not protect any Northbound trading as well. Quotas used up When the respective aggregate quota balance for Northbound trading is less than the daily quota, the corresponding buy orders will be suspended on the next trading day (sell orders will still be accepted) until the aggregate quota balance returns to the daily quota level. Once the daily quota is used up, acceptance of the corresponding buy orders will also be immediately suspended and no further buy orders will be accepted for the remainder of the day. Buy orders which have been accepted will not be affected by the using up of the daily quota, while sell orders will be continued to be accepted. Depending on the aggregate quota balance situation, buying services will be resumed on the following trading day. Trading day difference As mentioned above, Shanghai-Hong Kong Stock Connect will only operate on days when both markets are open for trading and when banks in both markets are open on the corresponding settlement days. So it is possible that there are occasions when it is a normal trading day for the Mainland market but Hong Kong investors cannot carry out any A shares trading. Investors should take note of the days Shanghai-Hong Kong Stock Connect is open for business and decide according to their own risk tolerance capability whether or not to take on the risk of price fluctuations in A shares during the time when Shanghai-Hong Kong Stock Connect is not trading. Restrictions on selling imposed by front-end monitoring For investors who usually keep their A shares outside of their brokers, if they want to sell certain A shares they hold, they must transfer those A shares to the respective accounts of their brokers before the market opens on the day of selling (T day), If they fail to meet this deadline, they will not be able to sell those A shares on T day. The recalling of eligible stocks When a stock is recalled from the scope of eligible stocks for trading via Shanghai-Hong Kong Stock Connect for above-mentioned reasons, the stock can only be sold but restricted from being bought. This may affect the investment portfolio or strategies of investors. Investors should therefore pay close attention to the list of eligible stocks as provided and renewed from time to time by both

17 Exchange. Risks of client assets received or held outside Hong Kong Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong. Risk Disclosure of Foreign Currency Trading: RMB / foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB / foreign currency may result in losses in the event that customer converts RMB / foreign currency into HKD or other foreign currencies. Risk Disclosure for Fund Trading: Monthly Funds Savings Plan is 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 risk. Due to dynamic changes in the market, the price movement and volatility of investment products may be the same as expected by customers. Customers 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, customers may not receive any return from their investment in Investment Funds. Part of the investment may not be able to liquidate immediately under certain market situation. Before making any investment decisions, customers should consider their 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. If customers have any enquiry on this Risk Disclosure or the nature and risks involved in trading or funds etc, they should seek advice from independent financial adviser. 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. This promotion material is issued by Bank of China (Hong Kong) Limited and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.

the fund house shall be conclusive. Other currencies include: Currency USD AUD NZD EUR GBP CAD YEN CHF SEK Monthly Contribution

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