Deposit balance at the time of account /service take up or upgrade. Designated accounts /services. Age of the children. Reward

Transcription

1 Terms of the promotion offers: 1. Family members account opening reward up to HK$100: The promotion period is from 12 January 2015 to 31 March 2015 (both dates inclusive)( Family Members Account Opening Reward Promotion Period ). Children take up designated services - HK$50 McDonald s coupon i-free Banking customers children who are below age 18 successfully newly take up or upgrade the existing accounts to the following accounts / services at any branch of Bank of China (Hong Kong) Limited (the Bank ) and fulfill the following deposit balance requirement at the same time during the Family Members Account Opening Reward Promotion Period ( Eligible Children Customers ) can enjoy the following reward instantly: Age of the children Below to below or above Designated accounts /services New take up Kiddie Sky Savings Account New take up HKD Savings Account New take up / upgrade to i-free Banking Deposit balance at the time of account /service take up or upgrade HK$5,000 equivalent or above Reward HK$50 McDonald s coupon Eligible Children Customers are required to show the copy of identity document of his / her father / mother who has taken up i-free Banking service and relationship identity document at the time of account opening to enjoy the above reward (Whose father / mother must be i-free Banking customer). The Bank shall have the right to decide whether to accept/decline any account opening application and/or whether to grant this offer to the applicants in accordance with their information provided without providing any reason. Each Eligible Children Customer can enjoy this offer once only. Father and/or mother newly take up/upgrade to i-free Banking simultaneously - enjoy HK$50 supermarket coupon Eligible Children Customers father and/or mother who newly takes up or upgrades the existing accounts to i-free Banking on the same day successfully at any branch of the Bank and (i) has not held i-free Banking in sole-name or joint-name with the Bank within preceding 6 months and has not cancelled/ converted the original integrated Account Service to the one with lower Total Relationship Balance requirement and (ii) reaches initial deposit balance or Total Relationship Balance of up to HK$ 10,000 equivalent or above at the time of newly taking up/ upgrading to i-free Banking ( Eligible New i-free Banking Customers ) can enjoy HK$50 supermarket coupon instantly.

2 Each Eligible New i-free Banking Customer can enjoy this offer once only. If the account is joint-account, the holders of such account will be considered as one Eligible New i-free Banking Customer and only one of the account holders will be entitled to this offer. The Bank reserves the right to grant this offer to any one of the joint-account holders. 2. New Family Securities Accounts offer The promotion period is from 20 November 2014 to 31 March 2015 (both dates inclusive)( Family Securities Accounts Promotion Period ). The following offers are only applicable to personal banking customers who successfully open new sole-name / joint-name Family Securities Accounts ( New Family Securities Accounts ) with the Bank during the Family Securities Accounts Promotion Period and do not have any Family Securities Accounts with the Bank within 6 months preceding the date of New Family Securities Accounts opening ( Family Securities Accounts Eligible Customers ). Each Family Securities Accounts Eligible Customer will only be entitled to the following Offer 1 and Offer 2 once. If the Family Securities Accounts Eligible Customers open more than one New Family Securities Accounts during the Family Securities Accounts Promotion Period, he/she will only be entitled to the following each offer once. If the account is a joint securities account, the holders of such account will be considered as one Family Securities Accounts Eligible Customer and will only be entitled to the following each offer once. Offer 1: First 3-month Brokerage Fee Waiver for buying transactions of securities (including Shanghai A shares and Hong Kong stocks) To be eligible for this offer, Family Securities Accounts Eligible Customers should 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 the Bank through any New Family Securities Accounts within the first 3 months starting from the date of the first New Family Securities Accounts opening (3-month period is calculated on the basis of 90 days with the 90 th day, Saturdays, Sundays and public holidays included) ( Brokerage Fee Waiver Period ). Family Securities Accounts Eligible Customers should pay the brokerage fee of buying transactions first. The brokerage fee waiver ( Brokerage Fee Waiver ) will be credited to the settlement accounts of Family Securities Accounts Eligible Customers on or before 31 August For Family Securities Accounts Eligible Customer who holds i-free Banking on the opening date of his/her first New Family Securities Account, the amount of brokerage fee to be waived is determined by the following conditions:

3 i) New Securities Customers If a New Family Securities Accounts Eligible Customer does not have any Securities Accounts with the Bank within 6 months preceding the date of the first New Family Securities Accounts opening, he/she can enjoy the amount of Brokerage Fee Waiver of up to HK$1,000. ii) BOC Credit Card Customers If a New Family Securities Accounts Eligible Customer holds a valid personal BOC Credit Card on 31 May 2015, he/she can enjoy the amount of Brokerage Fee Waiver of up to HK$6,000 (not applicable to joint-name accounts). iii) If a New Family Securities Accounts Eligible Customer holds Securities Account(s) with the Bank within 6 months preceding the date of the first New Family Securities Accounts opening, and does not hold any valid personal BOC Credit Card on 31 May 2015, he/she can enjoy the amount of Brokerage Fee Waiver of up to HK$800. If Family Securities Accounts Eligible Customers hold more than one settlement account, the Bank has the discretion to credit the Brokerage Fee Waiver to any one of the settlement accounts. Family Securities Accounts Eligible Customers should maintain valid New Family Securities Accounts and relevant settlement accounts at the time when the Brokerage Fee Waiver is credited by the Bank, otherwise this offer will be forfeited. The brokerage fee settled in RMB will be converted into HKD at the exchange rate determined by the Bank. Other transaction fees still apply. These include, but not limited to, transaction fees, Hong Kong stamp duty, transaction levy charged by the Securities and Futures Commission of Hong Kong, trading fee charged by HKEx, stamp duty charged by the State Administration of Taxation, securities management fee charged by China Securities Regulatory Commission, handling fee charged by SSE and transfer fee charged by China Securities Depository and Clearing Corporation Limited. Offer 2: HK$50 shopping coupon To be eligible for HK$50 shopping coupon ( Shopping Coupon ), Family Securities Accounts Eligible Customers should conduct one securities buy/sell transaction (exclude Monthly Stocks Savings Plan and IPO subscription) via any New Family Securities Accounts during the Brokerage Fee Waiver Period. The Bank will send the notification letter and Shopping Coupon on or before 31 August 2015 by mail to the Family Securities Accounts Eligible Customer in accordance with the correspondence address record of the Bank. The Bank shall not be liable for loss, damage, defacement or stolen of the enclosed Shopping Coupon under any circumstances (including at the time of mailing) and shall not reissue or replace any of them, and takes no responsibility for any liability. Family Securities Accounts Eligible Customers should hold valid New Family Securities Accounts when the notification letter and the Shopping Coupon are issued by the Bank, otherwise this offer will be forfeited.

4 3. Monthly Stocks Savings Plan transaction fee rebate offer: The promotion period is from 1 January 2015 to 31 March 2015 (both dates inclusive)( Monthly Stocks Savings 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 Promotion Period, settle the first contribution payment successfully (including contribution payment settled via securities settlement accounts or BOC Credit Cards) on or before 10 April 2015 ( 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 ( Monthly Stocks Savings Eligible Customers ). Monthly Stocks Savings Eligible Customers can enjoy HK$50 transaction fee rebate for each month for the first 6 consecutive month contributions starting from the First Eligible Contribution. However, Monthly Stocks Savings Eligible Customers should pay the transaction fee first (transaction fee is equivalent to 0.25% of the monthly contribution amount for each plan, including the brokerage fee, stamp duty, transaction levy and transaction charge. The minimum monthly charge is HK$/RMB 50). The transaction fee rebate amount will be credited to the settlement account of Monthly Stocks Savings Eligible Customers within the 8 th calendar month starting from the First Monthly Stocks Savings Eligible Contribution. If Monthly Stocks Savings Eligible Customers hold more than one settlement account, the Bank has the discretion to credit the transaction fee rebate amount to any one of the securities settlement accounts. Monthly Stocks Savings Eligible Customers should maintain the Eligible Securities Accounts and the relevant settlement account at the time when the transaction fee rebate is credited, otherwise this offer will be forfeited. If Monthly Stocks Savings Eligible Customers terminate 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 Monthly Stocks Savings Eligible Customers can still enjoy HK$50 monthly transaction fee rebate before the offer is forfeited and the transaction fee rebate amount will be credited into the settlement account of Monthly Stocks Savings Eligible Customers within the 8 th calendar month starting from the First Eligible Contribution. However, if the customer sets up the Monthly Stocks Savings Plan again with the same Eligible Securities Account and make contribution within the Monthly Stocks Savings Promotion Period, he/she is not eligible for this offer again. Each Monthly Stocks Savings 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 rebate only.

5 4. Monthly Funds Savings Plan offer: The promotion period is from 10 January 2015 to 31 March 2015 (both dates inclusive)( Monthly Funds Savings Promotion Period ). This offer is only applicable to the customers who set up new Monthly Funds Savings Plans via any branch providing investment services or through Internet Banking of the Bank during Monthly Funds Savings Promotion Period, and settle the monthly contribution payment successfully (including contribution payment settled via funds settlement accounts or BOC Credit Cards). This offer is not applicable to Money Market Funds. 5. BOC Credit Card Gift Points: Monthly Stocks Savings Plan: If the 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. Consecutive Month(s) of Contributions Conversion Rate (HKD/ RMB contribution amount: Credit Card Gift Points) Upper Limit of Gift Points 1 to 12 months 13 to 24 months Over 24 months A maximum of 10,000 BOC Credit Card Gift Points Monthly Funds Savings Plan: If the contribution amount is paid by BOC Credit Card, the maximum monthly contribution amount is HK$20,000 (or equivalent amount in foreign currencies) and the BOC Credit Card Gift Points will be calculated based on the amount of monthly contribution. The above Gift Points Conversion Rate is subject to the Bank s announcement from time to time. 6. HKD/RMB Monthly Deposit Savings Plan Club Deposit Preferential Annual Interest Rate: The promotion period is from 3 November 2014 to 31 March 2015 (both dates inclusive) ( Club Deposit Promotion Period ). This offer is only applicable to Payroll Service customers with the Bank. To be eligible for these offers, customers must successfully set up new HKD/RMB Monthly Deposit Savings Plan - Club Deposit via any branch, Internet Banking, Mobile Banking or Manned Phone Banking Services of the Bank during the Club Deposit Promotion Period. The above preferential HKD/RMB Club Deposit interest rates are based on the interest rates of HKD/RMB Club Deposit quoted on 3 November 2014 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. 7. Family Financial Top Up Rewards - HK$100 Cash Reward: The promotion period is from 12 January 2015 to 31 March 2015 (both dates inclusive) ( Top Up Rewards Promotion Period ). i-free Banking customers who successfully take up any two of the following family financial services ( Top Up Rewards Eligible Customers ) during the Top Up Rewards Promotion Period can enjoy HK$100 Cash Reward ( Cash Reward ). Family financial

6 services include: i) Successfully open new Family Securities Accounts and conduct one securities buy/sell transaction (excluding Monthly Stocks Savings Plan and IPO subscription) via Internet Banking, Mobile Banking or Automated Stock Trading Hotline of the Bank within Brokerage Fee Waiver Period (For the definition of new Family Securities Accounts and Brokerage Fee Waiver Period, please refer to point 2); ii) Successfully set up new Monthly Stocks Savings Plan via securities account of the Bank (including Family Securities Accounts) through any branch providing investment services or Internet Banking of the Bank, and settle the first contribution payment successfully (including contribution payment settled via securities settlement accounts or BOC Credit Cards) on or before 10 April 2015 and have not made any contribution for Monthly Stocks Savings Plan through the same securities account within 6 months preceding the date of the first contribution. iii) Successfully set up new Monthly Funds Savings Plan through any branch providing investment services or Internet Banking of the Bank, and settle the first contribution payment successfully (including contribution payment settled via funds settlement accounts or BOC Credit Cards) on or before 20 April If the existing Monthly Funds Savings Plan of the same funds is terminated (i.e. the Plan effective on or before 10 January 2015, if applicable) during the Top Up Rewards Promotion Period, Cash Reward will be forfeited. Any transaction or instruction for increasing the contribution amount of the existing Monthly Funds Savings Plan will not be regarded as set up of new Monthly Funds Savings Plan. iv) Successfully set up new Monthly Deposit Savings Plan Club Deposit via any branch, Internet Banking, Mobile Banking or Manned Phone Banking Services of the Bank, and settle the first contribution payment successfully on or before 20 April Each Top Up Rewards Eligible Customer can enjoy this offer once only. If the account is a joint-account, the holders of such account will be considered as one Top Up Rewards Eligible Customer and only one of the account holders will be entitled to this offer. The Bank reserves the right to grant this offer to any one of the joint-account holders. Cash Reward will be credited to non-dormant HKD Savings Account or HKD Current Account (Will be credited to the latest opened HKD Savings Account. If customer does not hold any HKD Savings Account, Cash Reward will be credited to the latest opened HKD Current Account) of the Top Up Rewards Eligible Customers on or before 31 August Top Up Rewards Eligible Customers should hold valid i-free Banking service at the time when the Cash Reward is credited. 8. RMB Time Deposit Offer: The promotion period is from 11 February 2015 to 31 March 2015 (both dates inclusive) ( RMB Time Deposit Offer Promotion Period ).

7 i-free Banking customers during the RMB Time Deposit Offer Promotion Period should i) place a time deposit of RMB20,000 or above with new funds or the conversion of existing HKD funds at any branches of the Bank; or (ii) place a time deposit of RMB20,000 or above with the conversion of existing HKD funds via Internet Banking. Funds that are deposited via cashier s order, cheques and transfers or remittance from other accounts with the Bank, Nanyang Commercial Bank and Chiyu Banking Corporation will not be considered as new funds. For the definition of new funds, please contact the Bank s staff. In case of any dispute, the Bank has the sole discretion to determine the definition of new funds. The preferential RMB time deposit annual interest rate in this promotion material is quoted based on the annual interest rates of 6-month RMB time deposit published on 11 February 2015 by the Bank and is for reference only. The actual annual interest rates will be subject to the rates quoted by the Bank from time to time. The preferential interest rate is a one-off privilege for each time deposit and subsequent renewal rate of time deposits will be subject to the rates quoted 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. 9. RMB Exchange Offer: i-free Banking customers can enjoy the 10 bps exchange offers by converting HKD into RMB. This offer is not applicable to RMB banknotes exchange, and is subject to relevant terms. Please contact our branch staff for details. 10. HKD Time Deposit Offer: The promotion period is from 27 January 2015 to 31 March 2015 (both dates inclusive HKD Time Deposit Offer Promotion Period"). To enjoy the preferential HKD time deposit interest rate, i-free Banking customers should be the existing or new users of Multi-Currency Savings Account, e-statement, Securities Account, Family Securities Account or BOC Credit Card and place a 12-month HKD time deposit of HK$50,000 or above ( Eligible Time Deposit ) with new funds at any branch of BOCHK within 2 months upon taking up or upgrading the existing accounts to i-free Banking during the HKD Time Deposit Offer Promotion Period. Funds that are deposited via cashier s order, cheques and transfers or remittance from other accounts with the Bank, Nanyang Commercial Bank and Chiyu Banking Corporation will not be considered as new funds. For the definition of new funds, please contact the Bank s staff. In case of any dispute, the Bank has the sole discretion to determine the definition of new funds. The preferential HKD time deposit interest rate in this

8 promotion material is quoted based on the interest rate of 12-month HKD time deposit published on 27 January 2015 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 subsequent renewal rate of time deposits will be subject to the rates quoted 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. 11. Payroll Service Reward: The promotion period is from 3 November 2014 to 31 March 2015 (both dates inclusive) ( Payroll Service Promotion Period ). To be eligible for BOC Credit Card free spending credit ( Free Spending Credit ), i-free Banking customers should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name accounts) ( Payroll Account ) with the Bank, and (i) register for Payroll Service via any branch, Phone Banking or Internet Banking of the Bank during the Payroll Service Promotion Period; (ii) receive salary in 3 consecutive months by electronic payroll arrangement or single standing instruction (not including the standing instruction originating from the Bank, Nanyang Commercial Bank and Chiyu Banking Corporation via Payroll Account within 4 months upon registration for the Payroll Service; and (iii) have not registered for and/or taken up the Bank s Payroll Service from 1 August 2014 to 2 November 2014 ( Payroll Service Eligible Customers ). The details of the offer are as follows: (A) Welcome Reward To entitle to HK$100 Free Spending Credit, Payroll Service Eligible Customers should receive HK$10,000 or above of first monthly salary through the Payroll Account. Free Spending Credit will be credited to the valid BOC Credit Card Accounts held by Payroll Service Eligible Customers on or before the following dates. Registration Period for Payroll Service 3 November 2014 to 31 January February 2015 to 31 March 2015 Date of crediting the Free Spending Credit 31 July September 2015 (B) Extra Payroll Loyalty Reward To enjoy an extra HK$300 free spending credit, Payroll Service Eligible Customers should receive salary via the Payroll Account by electronic payroll arrangement or single standing instruction (not including the standing instruction originating from the Bank, Nanyang Commercial Bank and Chiyu Banking Corporation for 12 consecutive months start from the first payroll month and should hold valid i-free Banking Service. Free Spending Credit will be credited to the valid BOC Credit Card Accounts held by the Payroll Service Eligible Customers on or before the following dates. Registration Period for Payroll Service 3 November 2014 to 31 January February 2015 to 31 March 2015 Date of crediting the Free Spending Credit 30 April June 2016

9 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 Payroll Service Eligible Customer registers for more than one Payroll Account within the Payroll Service Promotion Period, the Payroll Service Eligible Customer can only enjoy the offer once. Each Payroll Service Eligible Customer should still receive salary through the Payroll Account when the Free Spending Credit is credited. Otherwise, the offer will be forfeited. If the Payroll Account is a joint account, the holders of such account will be considered as one Payroll Service Eligible Customer and only one of the account holders will be entitled to this 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 account holders. If a Payroll Service Eligible Customer does not maintain any valid BOC Credit Card when the Free Spending Credit is credited by BOC Credit Card (International) Limited (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. Payroll Services Reward is not applicable to the staff of the Bank and its subsidiaries. 12. 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 and is also not refundable and transferrable. If Payroll Service Eligible 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, 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 Payroll Service Eligible Customers should not have breached the Card User Agreement when the Free Spending Credit is credited by the Card Company. If the Payroll Service Eligible Customers cannot fulfill the above requirements, the Bank and the Card Company reserve the right to forfeit the relevant offer without prior notice.

10 13. New Securities Account offer : The promotion period is from 1 January 2015 to 31 March 2015 (both dates inclusive)( Securities Account Promotion Period ). This offer is only applicable to personal banking customers who successfully open new sole-name / joint-name securities accounts (including Securities Margin Trading Account but excluding Family Securities Accounts) ( New Securities Accounts ) with the Bank during Securities Account Promotion Period and do not have any securities account with the Bank within 6 months preceding the date of New Securities Accounts opening ( Eligible New Securities Customers ). To be eligible for the offer, Eligible New Securities Customers should conduct buying transactions of securities listed on HKEx and settled in HKD or RMB (excluding Monthly Stocks Savings Plan and IPO subscription) or securities listed on SSE via Internet Banking, Mobile Banking or Automated Stock Trading Hotline of the Bank 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 90 th day, Saturdays, Sundays and public holidays included). Eligible New Securities Customers should pay the brokerage fee of buying transactions first. The brokerage fee waiver ( Brokerage Fee Waiver ) will be credited to the settlement accounts of Eligible New Securities Customers on or before 31 August If an Eligible New Securities Customer holds more than one settlement account, the Bank has the discretion to credit the Brokerage Fee Waiver to any one of the settlement accounts. Eligible New Securities Customers should maintain valid New Securities Accounts and relevant settlement accounts at the time when the Brokerage Fee Waiver is credited, otherwise this offer will be forfeited. The brokerage fee settled in RMB will be converted into HKD at the exchange rate determined by the Bank. If an Eligible New Securities Customer is an i-free Banking customer, the total amount of Brokerage Fee Waiver is capped at HK$1,000. Each Eligible New Securities Customer can enjoy this offer once only regardless of number of New Securities Accounts opened during the Securities Account Promotion Period. Holders of joint-name securities accounts will be considered as one Eligible New Securities Customer and can enjoy the offer once. Other transaction fees still apply, including but not limited to transaction charge, Hong Kong stamp duty, transaction levy charged by the Securities and Futures Commission of Hong Kong, trading fee charged by HKEx, stamp duty charged by the State Administration of Taxation, securities management fee charged by China Securities Regulatory Commission, handling fee charged by SSE and transfer fee charged by China Securities Depository and Clearing Corporation Limited. Eligible New Securities Customers who successfully newly take up/ upgrade the existing account to i-free Banking via any branch of the Bank or Internet Banking on the date of New Securities Accounts opening date and has not held i-free Banking within preceding 6 months and has not cancelled/ converted the original Integrated Account Service to the one with lower Total Relationship Balance requirement, can enjoy below extra brokerage fee waiver: New Securities Accounts Opening Brokerage Fee Waiver Extra Brokerage Fee Waiver Total Amount of Brokerage Fee Waiver HK$1,000 HK$1,000 HK$2,000

11 Eligible New Securities Customers should maintain valid New Securities Accounts, relevant settlement accounts and i-free Banking at the time when the Brokerage Fee Waiver is credited, otherwise the Extra Brokerage Fee Waiver will be forfeited. 14. First Year Premium Discount Offer on Life Insurance Plans: First Year Premium Discount Offer on Life Insurance Plans is provided by BOC Group Life Assurance Company Limited ("BOCG Life") and China Life Insurance (Overseas) Company Limited ("China Life Overseas"). BOCG Life and China Life Overseas reserve the right to amend, suspend or terminate the relevant products, services, offer and/or the relevant terms at any time at their sole discretion without prior notice. BOCG Life and China Life Overseas are authorized and regulated by Office of the Commissioner of Insurance to carry on long term business in the Hong Kong Special Administrative Region of the People's Republic of China. BOCHK is one of the insurance major agent banks of BOCG Life and China Life Overseas. In case of any dispute, the decision of the Bank, BOCG Life and China Life Overseas shall be final. General terms: The above offers are only applicable to personal banking customers. Customers can enjoy the above offers simultaneously. However, these offers cannot be used in conjunction with other offers that are not listed in this promotion material. Investment services are only applicable to customers aged 18 or above. The above coupons are limited and available on a first-come-first-serve basis while stock lasts. If the above coupons are out of stocks, the Bank reserves the right to offer an alternative coupon/gift as a replacement. The value and feature of the alternative coupon/gift might be different from the original coupons. The above coupons cannot be transferred, returned, exchanged for other coupon/gift or redeemed for cash. The usage of the above coupons is subject to the terms as specified by the supplier(s). The Bank is not the supplier of the coupons. Any enquiry or complaint in respect of the coupons should be directed to the relevant supplier(s). The Bank gives no guarantee to the coupons or the services of the supplier(s), or does not accept any liability arising in conjunction with the use of coupons or services provided by the supplier(s). The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the branch staff. The Bank reserves the right to amend, suspend or terminate the above products, services and offers and to amend the relevant terms at any time at its sole discretion without prior notice. In case of any dispute, the decision of the Bank shall be final. Should there be any discrepancy between the Chinese and English versions of this promotion material, the Chinese version shall prevail.

12 Risk Disclosure: The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before your trade or invest. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objective. You are advised to seek independent financial and professional advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment. 1. Risk Disclosure of Fund Transactions: 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 customers. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment in investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. The above risk disclosure may not disclose all risks involved. 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 inquiries on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc., you should seek advice from independent financial adviser. 2. 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. Risk of Securities Margin Trading The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop-limit" orders. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own financial position and investment objectives.

13 3. Risks of trading of listed RMB products: Investment / Market Risk Like any investments, RMB equity products are subject to investment risk. The price of the RMB equity products in the secondary market may move up or down. Losses may incur as a result of investing in the products even if the RMB appreciates against HKD or other currencies. Currency Risk If you are a non-mainland investor who holds a local currency other than RMB, you will be exposed to currency risk if you invest in RMB equity products. You will incur currency conversion costs, being the spread between buying and selling of RMB, at the time of conversion between your local currency and RMB for the purchase or sale of an RMB equity product. Even if the price of the RMB equity products you are holding remains unchanged, you may not receive the same amount of HKD when you sell the products due to the spread between buying and selling of RMB. RMB is a restricted currency and is subject to foreign exchange controls. 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 still not freely convertible in Hong Kong. You may not be able to convert RMB at your preferred time and/or in your 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 your investment may be adversely affected. 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 depreciate. 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 In general, 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.

14 RMB Conversion Limitation Risk RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. 4. Risk of trading A shares via Shanghai-Hong Kong Stock Connect: 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

15 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 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. 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 the Bank and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.