Double Fun Travel Service Package (2018 upgraded version)

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We prepare for Bank of Communications Credit Cardholders with a tailor made Double Fun Travel Service Package for year-round unlimited travel protection and free overseas WIFI internet service, so that you can enjoy hassle-free journey by enjoying convenience of exemption from the requirement of major trip spending incurred and paid by credit card before the trip. Double Fun Travel Service Package (2018 upgraded version) Bank of Communications VISA Platinum/ CUP Diamond Cardholders* can register to enjoy our Double Fun Travel Service Package for free all year round!new Upgraded version of Double Fun Travel Service Package is available for registration from 29 January 2018 onwards. *Excluding FWD CUP Dual Currency Credit Card and FWD Credit Card Principal Cardholders and Supplementary Cardholders. Annual Unlimited Travel Insurance No major trip spending incurred before the trip (New upgrade version) Enjoy hassle-free journey with year-round unlimited travel protection once registration Enjoy convenience of exemption from the requirement of major trip spending incurred and paid by credit card before the trip Global protection (outside Hong Kong) with annual unlimited coverage Up to 30 days coverage is provided for each trip Insured items include: Cover up to US$100,000 for Accident Baggage and Travel delay Death and Disablement Cover up to US$100,000 for Medical Trip Cancellation and Changes Expense 24-hour Worldwide Assistance Loss of Baggage and Personal Services Belongings Tips: 1. Insured Period: Date since confirmation letter issued and effective for 1 year 2. For the detail of insured items and coverage, please refer to the bank's website or insurance policy and terms in registration confirmation letter. Enquiry Hotline: 2591 2938 (Monday to Friday 9:00am - 6:00pm) 24-hour Global Emergence Hotline: (+852) 2861 9275 And Overseas WIFI Internet Service (Value: HK$200*) Be connected to the World anytime Redeem a Free 5 days pocket WIFI by traveling to hot travel destinations covering Korea, Japan, Thailand and Taiwan. (up to unlimited data)

Select any of 140 travel destinations, number of days and data to cater your travel plan Convenient pick-up and drop-off service. Simply pick up pocket WIFI at Hong Kong airport office of WiFiBB just before your flight and return it after you come back to Hong Kong *More flexible by using 2 HK$100 coupon codes Enquiry Hotline:2682 6151 Website:www.crazyegg.com.hk/zh/BOCOM Spending Tips (Achieve spending requirement more easily by new spending calculation method): Register Double Fun Travel Service Package for any VISA Platinum Card or CUP Dual Currency Card by calling registration hotline Successful registered cardholder will receive the confirmation letter and related documents (including the coverage plan and policy of "Annual Unlimited Travel Insurance" and the Coupon code and User Guides of "Free Overseas WIFI Internet Service") within 3 weeks upon successful registration During the spending period*, the spending of all CUP Dual Currency Diamond Cards and VISA Platinum Cards by the registered cardholder can be combined. The registered cardholder who accumulates an amount of spending of more than or equal to HK$ 20,000 or accumulate an amount of spending of more than or equal to HK$ 1,200 # every month can join Double Fun Travel Service Package for free. *Spending Period: Starting with the registration month from receiving the confirmation letter and within 12 calendar months (based on the transaction dates) # For the details of eligible spending, please refer to the Terms and Conditions For example: Registration Date:9 February 2018 Spending Period:1 February 2018 31 January 2019 Confirmation Letter Date: 20 February 2018 Travel Insurance Period: 20 February 2018 19 February 2019

Terms and Conditions for Bank of Communications Credit Card 2018 upgraded Double Fun Travel Service Package Promotion: 1. The 2018 upgraded Double Fun Travel Service Package Promotion ( Double Fun Travel Service Package ): It is applicable to the principal cardholder and supplementary cardholder of CUP Dual Currency Diamond Card or VISA Platinum Card (Except FWD CUP Dual Currency Diamond Card, FWD VISA Platinum Card, PC Card and gift card) issued by Bank of Communications (Hong Kong) Limited ( the Bank ) in Hong Kong ( Eligible Credit Card ) and the cardholders must be aged from 18 to 75 during the insured period and holding the Hong Kong Identity Card ( The Eligible Cardholder ), but not applicable to those cardholders who have joined Bank of Communications Credit Card Double Fun Travel Service Package Promotion on or before 15 January 2018 (Insurance Project No.: BNDFTSP2016-01 or BNDFTSP2017-01) and the insurance period has not yet expired. For the eligible supplementary cardholder to register Double Fun Travel Service Package, its eligible Principal Cardholder must register Double Fun Travel Service Package on the same day. 2. Registration of Double Fun Travel Service Package : The eligible Cardholder is required to register the Double Fun Travel Service Package for one of its eligible credit cards via calling registration hotline 3977 6212 from 29 January 2018 (starts at 9:00am) to 31 December 2018 (ends at 11:59pm) ( the Registration Period ) and successfully get the registration reference number. Each eligible cardholder (based on the HKID level) is entitled to one registration quota only. The registration quota is 1,000 and is available on a first-come-first-served basis. Each cardholder (whether registered by principle or supplementary Card) can register once only. If the cardholder (based on the HKID level) registers repeatedly, the first registration record confirmed by the Bank will be valid. You are considered in agreement with this promotion terms and conditions once the registration is successful, and the registration cannot be cancelled or changed once complete the registration. 3. Confirmation of Double Fun Travel Service Package: The eligible cardholders will receive the confirmation letter and related documents (including: the coverage plan and policy of Annual Unlimited Travel Insurance, the Coupon code and User Guides of Overseas WIFI Internet Service ) of the Double Fun Travel Service Package within 3 weeks upon successful registration date. If the eligible cardholder does not receive the confirmation letter and related documents within 6 weeks upon successful registration date, he/she is required to contact Customer Service Hotline for further enquiry, and otherwise, those documents will not be re-issued after a period of time. The cardholders who are not eligible for Double Fun Travel Service Package will receive the reject letter within 3 weeks upon registration date. 4. Effective period of Double Fun Travel Service Package : Double Fun Travel Service Package contains Annual Unlimited Travel Insurance and Free Overseas WIFI Internet Service. Annual Unlimited Travel Insurance will be valid since the issued confirmation letter date for 1 year, and the insurance plan is subject to the terms and conditions of related insurance policy and terms and conditions, please contact China BOCOM Insurance Co., Ltd for details and enquiry. All information are subject to relevant insurance plan and BOCOM Insurance Co., Ltd s decision shall be final and

conclusive. 5. Spending requirement of Double Fun Travel Service Package : For each eligible principle or supplementary cardholder(based on the HKID level), starting with the registration month from receiving the confirmation letter and within 12 calendar months, the registered cardholder s all CUP Dual Currency Diamond Cards and VISA Platinum Cards (Except FWD CUP Dual Currency Diamond Card, FWD VISA Platinum Card, PC Card and gift card) which accumulate an amount of eligible spending of more than or equal to HK$ 20,000 or accumulate an amount of eligible spending of more than or equal to HK$ 1,200 every month can join Double Fun Travel Service Package for free. Eligible spending transactions must be posted before the spending requirement is calculated by the Bank, otherwise other unposted transactions (including but not limit to dispute transactions, reversal transactions or delay posted by merchants) are not applicable for this promotion and are regarded as non-eligible spending transaction. 6. If the registered eligible cardholder cannot fulfill the spending requirement, no matter whether the Annual Unlimited Travel Service Insurance is used or claimed or not, and/ or the Coupon code of the overseas WIFI is used or not, the Bank reserves the right to deduct the fee (HK$1,000 per each eligible cardholder) from the Principal card account within 6 weeks after the designated spending period or upon the cancellation of the card (whichever is earlier) without prior notice. 7. Eligible Transactions : (1) Local retail transaction, (2) Foreign retail transaction (non HK$), (3) Online retail transaction and (4) purchases made by post/fax/phone, but excluding local/overseas cash advance, the reloading amount of Octopus add value service, electronic wallet transaction( including but not limited to WeChat Pay, PayMe and Alipay), all monthly payment for instalment plans, monthly instalment to merchants, MPF/SVC contribution, balance transfer amount, all online bill payment, purchase of casino chips, tax payment, purchase of traveller's cheques, payment of all credit card charges (e.g. annual fees, finance charges, etc.), insurance fee, redemption fee of other promotions and the transactions in Mainland China by using CUP Dual Currency Credit Card(including transactions of Mainland property, vehicle, aircraft ticket, fuel, wholesale, supermarket spending, hospital fee, academic fee) and any credit card transactions designated by the Bank from time to time. Any fraud or abuse, false trading and other unauthorized, cancelled, refunded or unposted transactions are not applicable for this promotion. For the transaction made by CUP Dual Currency Credit Card issued by the Bank in Mainland China, every RMB 1 of spending will be calculated as HK$1. 8. No matter whether the eligible supplementary cardholder has registered Double Fun Travel Service Package or not, the spending amount of a supplementary card will not be combined with the principal card account and cannot fulfil the spending requirement of the principle card account. For the supplementary cardholder to join this promotion, its eligible principal cardholder must register on the same day, and the principle and supplementary cardholder should fulfill their own spending requirement respectively.

9. The respective accumulated eligible spending from the principle and supplementary cardholder who have successfully registered Double Fun Travel Service Package cannot be combined. 10. The Bank will verify the credit card transaction record to confirm whether the spending requirement of Double Fun Travel Service Package of the cardholder is fulfilled or not through our system. In case of discrepancy between the Bank's record and details recorded on the credit card sales slip, the Bank's record shall prevail. Eligible cardholder is required to keep the relevant original sales receipts and credit card sales slips for inspection. China BOCOM Insurance Co., Ltd. and the Bank reserve the rights to call to the eligible cardholder to verify the credit card transaction records and the claim information during the insurance claim process. 11. In case of any disputes, eligible cardholders is required to submit the relevant original sales receipt(s) and credit card sales slip(s) for further investigation by the Bank. All submitted relevant documents will not be returned. 12. The eligible cardholder understands and accepts that all photos, details, availability and descriptions of all products/services are provided by the designated service provider and are for reference only. The Bank has no responsibility whatsoever. All liabilities in relation to such products and/or services (including but not limited to the quality and supply) are solely borne by the designated service provider. 13. The Bank and the designated service provider reserve the right to vary the terms and conditions, to change or terminate the promotions at any time without prior notice. The Bank accepts no liability for any matters relating to changes or termination of the promotions. 14.In case of any disputes, the Bank's and the designated service provider s decisions shall be final and conclusive. 15. No person other than the Cardholders and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to enjoy the benefit of any terms under these terms and conditions. 16. In case of discrepancy between the Chinese and English versions of these terms and conditions, the Chinese version shall prevail. Terms and Conditions for Annual Unlimited Travel Insurance : 17. Annual Unlimited Travel Insurance ( Travel Insurance ) is valid from the confirmation letter issued and will be effective for 1 year (The date of departure and arrival shall be within the travel insurance period) and it is subject to the date listed on the confirmation letter( Insurance Period ). The cardholder will be entitled to unlimited travel insurance protection during the insurance period. Any personal injuries due to business work, labour work and construction work are not included in the coverage of travel insurance. 18. Travel insurance is only applicable upon successful registration of Double Fun Travel Service Package and receiving the confirmation letter issued by the Bank. In case of claim, cardholder is required to submit the claim form and other required documents listed on the claim form to China BOCOM Insurance Co., Ltd. for further investigation. If the cardholder cannot provide the

completed documents to China BOCOM Insurance Co., Ltd., China BOCOM Insurance Co., Ltd reserves the right to decline the application and its decision shall be final and conclusive. For the claim application issue, please contact China BOCOM Insurance Co., Ltd directly for any enquiry and the Bank makes no responsibility. The designated credit card must be valid and in good credit status cancelled during the insurance period. If the eligible cardholder cancels the designed credit card during the insurance period, the insurance plan would be invalid immediately without prior notice. The travel insurance is subject to the terms and conditions of related insurance policy and the terms and conditions, pleasecontact China BOCOM Insurance Co., Ltd for details and enquiry. All information is subject to the relevant insurance policy and China BOCOM Insurance Co., Ltd s decision shall be final and conclusive. 19. The travel insurance is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by Hong Kong Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited is an authorized agent of China BOCOM Insurance Co., Ltd. to distribute general insurance products in Hong Kong. The Travel Insurance is the product of China BOCOM Insurance Co., Ltd., but not Bank of Communications (Hong Kong) Limited. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Bank of Communications (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Bank of Communications (Hong Kong) Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the terms and conditions of the policy terms of the travel insurance should be resolved between China BOCOM Insurance Co., Ltd. and the eligible cardholder directly. The Travel Insurance is subject to the terms and conditions of related insurance policy. For the details of insured items and coverage, terms and conditions and excluded items (if applicable), please refer to the coverage plan and policy s terms and conditions stated on the Banks website or the confirmation letter. 20. The name, contact number, credit card number, the first 4 digits of Hong Kong Identity Card (including the prefix) and the phone registration reference number of each registered eligible cardholders will be recorded and transferred to China BOCOM Insurance Co., Ltd. for the identity verification of cardholders and internal auditing use. The collection of data is necessary. The above data provided by the eligible cardholder is considered as in agreement of the relevant data collection and data transfer and understand the usage of the data collection. The eligible cardholder who does not accept the arrangement will be deemed to voluntarily give up to join the Double Fun Travel Service Package. For any enquiry, data changes, or any requests on the information regarding data policies, data practices and the requirement of data type, the eligible cardholder should submit the requests in writing by fax at 2833 6561 or mail to the Data Protection Officer, Bank of Communications (Hong Kong) Limited, 20 Pedder Street, Central, Hong Kong. Terms and Conditions for Free Overseas WIFI Internet Service : 21. Eligible cardholders can redeem Overseas WIFI Internet Service (Maximum redemption value of

HK$200) (Select your own combination of preferred destination, number of dates and data) at the website of the designated service provider by using the coupon code of Overseas WIFI Internet Service ( Coupon Code Letter ) attached with the confirmation letter. If the price of the selected Overseas WIFI Internet Service exceeds HK$200, the cardholder is required to settle the remaining value with Bank of Communications Card. 22. The effective date of the coupon code is printed on the coupon code letter. The eligible cardholder should provide the coupon code and the first 6 digits of registered Bank of Communications credit card number of Double Fun Travel Service Package in the designated service provider s website during redemption, and pick up the pocket WIFI, accessories and guideline in the airport s outlet of the designated service provider within the designated period. 23. The eligible cardholder is considered as in agreement to authorize to pay the deposit fee of HK$500 of pocket WIFI and accessory by the Bank of Communications credit card during redemption. The authorization will be cancelled and the deposit fee of HK$500 will be returned to the designated credit card after the eligible cardholder returns the pocket WIFI in the airport s outlet of the designated service provider. The eligible cardholder should redeem the Overseas WIFI Internet Service at least 7 working days before departure. The eligible cardholder is required to present the successful registered Double Fun Travel Service Package Bank of Communications credit card and the confirmation email when picking up the pocket WIFI, otherwise, the eligible cardholder should settle the rental fee. For any enquiry and details, please call CrazyEgg s hotline 2682 6151 or refer to the terms and conditions of confirmation letter. The coupon code letter will not be re-issued if it is lost. 24. The redemption details are subject to the terms and conditions of the attached coupon code terms with the confirmation letter and the terms and conditions of the designated service provider. For details, please contact the designated service provider. 25. If the eligible cardholder is not qualified to redeem the Overseas WIFI Internet Service or commit any fraud (Subject to the Bank s decision), the Bank reserves the right to charge the related fee based on the value. The related fee will be deducted from the credit card account. Terms and Conditions for Extra WIFI Discount Offer : 26. Bank of Communications Extra Wifi Discount Offer ( The Offer ) is only applicable to the eligible cardholder who has used eligible credit cards to register Double Fun Travel Service Package. 27. The offer is valid from now to 31 December 2018. 28. The offer cannot be sold, transferred to others, exchanged for cash, exchanged other products or other offers. 29. To enjoy the offer, the eligible cardholder should order the service in the designated service provider s website and provide the eligible credit card number which has registered Double Fun Travel Service Package when ordering the service

30. Each eligible cardholder can use the offer once only for each order. 31. The eligible cardholder is required to present the eligible credit card which has registered Double Fun Travel Service Package when picking up the pocket WIFI, otherwise the extra payment on the price difference is required to be paid by the eligible cardholder. 32. Unless otherwise specified, the offer cannot be used in conjunction with the coupon code of Free Overseas WIFI Internet Service. 33. The pocket WIFI is available for rental while stocks last. In case of any changes, the offer details of the promotion shall prevail. 34. The pocket WIFI rental is subject to the designated service provider s terms and conditions, please visit the designated service provider s website for details. To borrow or not to borrow? Borrow only if you can repay!