Offer Terms 1. 2. Enrich Banking World MasterCard 10x ... · I. General Terms and Conditions ......

Offer Terms

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

(“Promotion Period”).

2. Enrich Banking World MasterCard 10x Reward Gift Points (HK$1.5 Spending = 1 Mile)

I. General Terms and Conditions

i. Unless otherwise specified, holders of an Enrich Banking World MasterCard can enjoy the reward gift

points upon fulfilling the following requirements:

- newly taking up / upgrading to Enrich Banking Service (applicable to sole-name account only) within

the Promotion Period, and

- newly taking up Payroll Service within the Promotion Period, and

- applying for the Enrich Banking World MasterCard within the Promotion Period, and having Enrich

Banking World MasterCard successfully approved on or before 31 August 2016

ii. Unless otherwise specified, the qualified spending periods are as detailed below (all given dates are

inclusive; transaction date shall prevail) (the "Qualified Spending Period").

The period of Enrich Banking World MasterCard

being approved

Spending Period (all given dates are inclusive;

transaction date shall prevail)

3 May 2016 to 31 May 2016 1 June 2016 to 31 July 2016

1 June 2016 to 30 June 2016 1 July 2016 to 31 August 2016

1 July 2016 to 31 July 2016 1 August 2016 to 30 September 2016

1 August 2016 to 31 August 2016 1 September 2016 to 31 October 2016

iii. To be eligible for the offer, cardholders shall have to make the transaction with the Enrich Banking World

MasterCard (the "Eligible Card") issued by BOC Credit Card (International) Ltd. (the "Card Company") in

Hong Kong SAR within the Spending Period.

iv. Only local transactions on dining (not applicable to banquet services, private parties/functions, private

room events, dining outlets in social/sports association or clubhouses), travel (only applicable for travel

agency and airlines company) and department store can enjoy the offer (the 'Eligible Transactions').

Eligible Transactions only include the spending at merchants categorized by specific merchant codes such

as restaurant, dining, travel agency, airlines company, department store merchants/organizations (as

defined by the Card Company/MasterCard Inc. from time to time). All overseas purchase and cash

advance, the annual fee, financial fee, handling fee, balance transfer, cash before card service amount,

installment fee, gift redemption fee, internet payment or transaction amount, tax payment, mail order,

telephone or fax order, casino transaction, Octopus AAVS, gift delivery charges, investment and any other

transactions without sales slip are all excluded.

v. The extra gift points only apply to local Eligible Transactions that are based on the transaction date and

must be posted to Eligible Card account within 7 days from the transaction date.

vi. Any fraudulent, unauthorized, cancelled, refunded transactions as well as unposted transactions will result

in the forfeiture of eligibility for the extra gift points..

vii. Cardholder will only be entitled to the extra gift points if his/her card account is valid and in good standing

at the time when the extra gift points are credited. If a cardholder has cancelled his/her card account or is

found to be in violation of the Card User Agreement, or if a cardholder has overdue payment/is with

unsatisfactory record during the Promotion Period or at the time when the extra gift points are credited, the

eligibility for the offer will be forfeited.

viii. All gift points are not transferable, refundable or convertible into cash or other prizes.

ix. Where a cardholder has been rewarded gift points and a reversal entry occurs thereafter on any of the

related transaction(s), the cardholder is required to reimburse the Card Company with the equivalent

monetary value for such rewarded gift points or in a manner as may be determined by the Card Company.

The Card Company will, without prior notice, charge the equivalent monetary value to the cardholder

account in reversal of such rewarded gift points.

x. Cardholders must retain all original transaction sales slips for reference. In case of any dispute, the Card

Company reserves the right to request a cardholder to provide the original transaction sales slip(s) and/or

such further documentation or evidence for verification at any time. All sales slips and/or such further

documentation submitted to the Card Company will not be returned.

xi. The Card Company will determine the eligibility of submitted transaction details by verifying the cardholder

transaction records kept by the Card Company. The Card Company records shall be final and conclusive.

xii. The Card Company reserves the right to change, suspend or terminate the offer or amend the terms and

conditions at its sole discretion without prior notice.

II. 10x Reward Gift Points for local Dining, Travel and Department Store Transactions

i. "10x Reward Gift Points for local dining, travel and department store transactions" will be counted on each

calendar month starting from the first day of the month until the last day of the month. The Eligible

Transaction must be posted to the Eligible Card account within 7 days from the transaction date.

ii. To be eligible for the offer of "10x Reward Gift Points for local dining, travel and department store

transactions", Cardholders are required to fulfill the following requirements:

a) Make monthly accumulated transaction amount on retail purchase and/or cash advance of

HK$15,000 or above within a calendar month (the "Monthly Accumulated Transaction Amount").

Monthly Accumulated Transaction Amount includes all local and overseas retail purchase and/or cash

advance. Annual fee, financial fee, handling fee, balance transfer, cash before card service amount,

installment fee, gift redemption fee, internet payment or transaction amount, tax payment, mail order,

telephone or fax order, casino transaction, Octopus AAVS, gift delivery charges, investment and any

other transactions without sales slip are all excluded. The spending of the additional cardholder(s)

can be aggregated with that of the main cardholders.

b) Make Eligible Transactions that include local transactions on dining, travel and department store

(Clause (iv) of Section (I) refers) with the Eligible Card in respective calendar month. Cardholder can

be entitled to the original extra 4x gift points on top of the basic 1x gift point (HK$1=1 gift point). The

original extra 4x gift points will be posted to the Eligible Card account in the month end following the

transaction month.

c) Cardholder can be additionally entitled to extra 5x gift points on top of the original extra 4x gift points

(Clause (iib) of Section (II) refers), total up to extra 9x gift points. The extra 5x gift points will be posted

to the Eligible Card account on or before 31 January 2017.

3. Payroll Service:

a. Payroll Service Rewards of up to HK$800:

Customers are required to maintain a valid HKD Savings Account or HKD Current Account (including

sole-name or joint-name accounts) (“Payroll Account”) with Bank of China (Hong Kong) Limited (“BOCHK”),

and (i) register for Payroll Service via any branch, Phone Banking or Internet Banking of BOCHK during

the Promotion Period; (ii) start receiving salary by “electronic payroll arrangement” or newly set up “single

standing instruction” (not including the standing instruction originating from BOCHK and Chiyu Banking

Corporation Limited via Payroll Account within the next 2 calendar months from the date of payroll service

registration, and maintain this arrangement until Free Spending Credit is credited by the Card Company

accordingly; and (iii) have not registered for and/or taken up BOCHK’ s Payroll Service within the period

from 1 January 2016 to 31 March 2016 ( “Eligible Customers of Payroll Service” ).The details of the offer

are as follows:

i. Welcome Reward

The amount of Free Spending Credit for Welcome Reward received by the Eligible Customers of

Payroll Service will be determined by the amount of first monthly salary received through the Payroll

Account and the categories of customers. For details, please refer to following table.

Monthly Salary Free Spending Credit

(Enrich Banking customers)

HK$20,000 or above HK$500

HK$10,000 - HK$19,999 HK$100

Free Spending Credit for Welcome Reward will be credited to the valid BOC Credit Card Accounts held

by the Eligible Customers of Payroll Service on or before 28 February 2017. The Eligible Customers of

Payroll Service should still receive salary via the Payroll Account since the first payroll month until Free

Spending Credit for Welcome Reward is credited by the Card Company.

ii. Extra Payroll Loyalty Reward

To enjoy Free Spending Credit for Extra Payroll Loyalty Reward, Eligible Customers of Payroll Service

should receive salary via the Payroll Account by “electronic payroll arrangement” or newly set up

“single standing instruction” (not including the standing instruction originating from BOCHK, and Chiyu

Banking Corporation Limited) from the first payroll month and maintain this arrangement until Free

Spending Credit is credited by the Card Company, and still hold the Enrich Banking Integrated Banking

Service. For details, please refer to following table.




Free Spending Credit for Extra Payroll Loyalty Reward will be credited to the valid BOC Credit Card

Accounts held by the Eligible Customers of Payroll Service on or before 31 October 2017. The Eligible

Customers of Payroll Service should still receive salary via the Payroll Account since the first payroll

month when Free Spending Credit for Extra Payroll Loyalty Reward is credited by the Card Company.

• “Salary” refers to the basic monthly salary (excluding commission, bonus, double pay, repayment and/

or other funds) of which the amount should reach HK$10,000 or above.

• “Electronic payroll arrangement” refers to the employer crediting the customer’s salary to customer’s

Payroll Account through BOCHK’s or other banks’ payroll system. Standing instruction, overseas

remittance, local electronic transfer, cheque or cash deposit will not be considered as “electronic payroll

arrangement”.

• BOCHK reserves the absolute right to define the terms of “salary”, “electronic payroll arrangement” and

“single standing instruction”.

• Each Eligible Customer of Payroll Service can enjoy this offer once only. If an Eligible Customer of

Payroll Service registers for more than one Payroll Account within the Promotion Period, the Eligible

Customer of Payroll Service can only enjoy the offer once.

• If the Payroll Account is a joint account, the holders of such account will be considered as one customer

and only one of the account holders will be entitled to this offer.

• If an Eligible Customer of Payroll Service does not maintain any valid BOC Credit Card when the Free

Spending Credit is credited by the Card Company, BOCHK will credit cash of equivalent value to

his/her non-Dormant HKD Savings Account or HKD Current Account without prior notice.

• The above offers are not applicable to staff of BOCHK and its subsidiaries.

b. Civil Servants’ Payroll Service Reward of up to HK$1,500:

To be eligible for Free Spending Credit, customers are required to meet all of the following requirements

during the Promotion Period (“Eligible Civil Servant of Payroll Service”):

be “Hong Kong Government Civil Servant” and receive salary through the Treasury of the

Government of the Hong Kong Special Administrative Region; and

maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name

accounts) (“Payroll Account”) with BOCHK; and

register for Payroll Service via any branch, Phone Banking or Internet Banking of the Bank during the

Promotion Period; and

start receiving salary credited to the Payroll Account by “electronic payroll arrangement” within the

next 2 calendar months from the date of payroll service registration, and maintain this arrangement

until Free Spending Credit is credited by Card Company; and

have not registered for and/or taken up BOCHK’s Payroll Service within the period from 1 January

2016 to 31 March 2016.

Details of Payroll Service Rewards are as follows:

i. Welcome Reward

The amount of Free Spending Credit for Welcome Reward received by the Eligible Civil Servant of

Payroll Service will be determined by the amount of first monthly salary received through the Payroll

Account and the categories of customers. For details, please refer to following table.



HK$60,000 or above HK$1,200

HK$20,000 - HK$59,999 HK$600

HK$10,000 - HK$19,999 HK$300

Free Spending Credit for Welcome Reward will be credited to the valid BOC Credit Card Accounts

held by the Eligible Civil Servant of Payroll Service on or before 28 July 2017. The Eligible Civil

Servant of Payroll Service should still receive salary via the Payroll Account when Free Spending

Credit for Welcome Reward is credited by the Card Company.

ii. Extra Payroll Loyalty Reward

To enjoy Free Spending Credit for Extra Payroll Loyalty Reward, Eligible Civil Servant of Payroll

Service should receive salary through the Treasury credited to the Payroll Account by “electronic

payroll arrangement” from the first payroll month and maintain this arrangement until Free Spending

Credit is credited by the Card Company, and still holding the Enrich Banking Integrated Banking

Service. For details, please refer to following table.




Free Spending Credit for Extra Payroll Loyalty Reward will be credited to the valid BOC Credit Card

Accounts held by the Eligible Civil Servant of Payroll Service on or before 31 October 2017.

“Salary” refers to the basic monthly salary (excluding commission, bonus, double pay, repayment and/

or other funds) of which the amount should reach HK$10,000 or above.

“Electronic payroll arrangement” refers to the employer crediting the customer’s salary to customer’s

Payroll Account through BOCHK’s or other banks’ payroll system. Standing instruction, overseas

remittance, local electronic transfer, cheque or cash deposit will not be considered as “electronic payroll

arrangement”.

BOCHK reserves the absolute right to define the terms of “salary”, “electronic payroll arrangement” and

“single standing instruction”.

Each Eligible Civil Servant of Payroll Service can enjoy this offer once only. If an Eligible Civil Servant

of Payroll Service registers for more than one Payroll Account within the Promotion Period, the Eligible

Civil Servant of Payroll Service can only enjoy the offer once.

If the Payroll Account is a joint account, the holders of such account will be considered as one customer

and only one of the account holders will be entitled to this offer.

If an Eligible Civil Servant of Payroll Service does not maintain any valid BOC Credit Card when the

Free Spending Credit is credited by the Card Company, BOCHK will credit cash of equivalent value to

his/her non-Dormant HKD Savings Account or HKD Current Account without prior notice.

The above offers are not applicable to staff of BOCHK and its subsidiaries.

c. Payment Service Reward of HK$100:

Eligible Customers of Payroll Service/ Eligible Civil Servant of Payroll Service shall (i) set up the

Direct Debit Authorisation ( “DDA” ) instruction(s) with Savings or Current Account of BOCHK during

the Promotion Period (including but not limited to payments for utility bills, payment for BOC Credit

Card or other merchants bills); (ii) conduct at least one transaction under such DDA instruction on or

before 30 November 2016; AND (iii) not have any DDA instruction set up on 31 March 2016 ( “Eligible

Customers of DDA Instruction” ). HK$100 Free Spending Credit will be credited to the valid BOC

Credit Card Accounts held by the Eligible Customers of DDA Instruction on or before 28 February

2017.

If the Eligible Customer of DDA Instruction sets up DDA instruction(s) under a joint account, the

holders of such account will be considered as one customer and only one of the account holders will

be entitled to this offer.

If Payroll Service is registered under joint-name, the DDA instructions should be under the same

joint-name Savings or Current Account.

The set up dates/ transaction dates of the DDA instructions shall be based on the record of BOCHK.

The above offers are not applicable to the staff of the Bank and its subsidiaries.

d. Securities Service Rewards of HK$100:

Eligible Customers of Payroll Service / Eligible Civil Servant of Payroll Service who successfully open

new sole-name / joint-name securities accounts (including Securities Margin Trading Account but

excluding Family Securities Accounts) ( “New Securities Accounts” ) with BOCHK during the

Promotion Period and do not have any securities account with BOCHK within 6 months preceding

the date of New Securities Accounts opening, and conduct buying transactions of securities listed on

the Hong Kong Exchange and Clearing Limited (“HKEx”) and settled in HKD or RMB (exclude

Monthly Stocks Savings Plan and IPO subscription) or securities listed on Shanghai Stock Exchange

(“SSE”) via Internet Banking, Mobile Banking or Automated Stock Trading Hotline of BOCHK through

the New Securities Accounts within the first 3 months starting from the date of New Securities

Accounts opening (3-month period is calculated on the basis of 90 days with the 90th day, Saturdays,

Sundays and public holidays included) can enjoy an extra HK$100 Free Spending Credit. Free

Spending Credit will be credited to the valid BOC Credit Card Accounts held by the Eligible

Customers of Payroll Service / Eligible Civil Servant of Payroll Service on or before 28 February

2017.

If Payroll Service is registered under joint-name, the securities account should be opened under the

same joint-name.

The above offers are not applicable to the staff of the Bank and its subsidiaries.

4. Total Relationship Balance Growth Reward (“TRB Growth Reward”):

Customers who fulfil the following requirements (“TRB Growth Reward Eligible Customers”) can be entitled

to the TRB Growth Reward:

Newly take up or upgrade to Enrich Banking

(applicable to sole-name account only) during the

period from 3 May 2016 to 30 June 2016 (both

dates inclusive)

or

Newly take up or upgrade to Enrich Banking

(applicable to sole-name account only) during the

period from 1 July 2016 to 31 July 2016 (both dates

inclusive)

i. Have not taken up or cancelled Enrich

Banking / Wealth Management in sole-name

with BOCHK during the period from 1 January

2016 to 31 Mar 2016; and

i. Have not taken up or cancelled Enrich Banking /

Wealth Management in sole-name with BOCHK

during the period from 1 February 2016 to 30

April 2016; and

ii. Fulfil the “Total Relationship Balance” of

Enrich Banking (i.e. HK$200,000) in July

2016; and

ii. Fulfil the “Total Relationship Balance” of Enrich

Banking (i.e. HK$200,000) in August 2016; and

iii. The growth of the “Total Relationship

Balance” reaches following amount when

comparing the Total Relationship Balance” of

July 2016 and March 2016

“Total Relationship Balance”

Growth Amount

Free Spending

Credit


HK$200,000 –

Below HK$500,000 HK$200

iii. The growth of the “Total Relationship Balance”

reaches following amount when comparing the

Total Relationship Balance” of August 2016 and

April 2016

“Total Relationship Balance”

Growth Amount

Free Spending

Credit


HK$200,000 –

Below HK$500,000 HK$200

Each TRB Growth Reward Eligible Customer can enjoy this offer once only during the Promotion Period.

Free Spending Credit will be credited to the valid BOC Credit Card Account of TRB Growth Reward Eligible

Customers on or before 31 October 2016 if TRB Growth Reward Eligible Customers newly take up or

upgrade to Enrich Banking during the period from 3 May 2016 to30 June 2016 (both dates inclusive). Free

Spending Credit will be credited to the valid BOC Credit Card Account of TRB Growth Reward Eligible

Customers on or before 31 December 2016 if TRB Growth Reward Eligible Customers newly take up or

upgrade to Enrich Banking during the period from 1 July 2016 to 31 July 2016.

TRB Growth Reward Eligible Customers should still maintain that Integrated Account Service or Integrated

Account Service with higher “Total Relationship Balance” requirement when Free Spending Credit is

credited. Otherwise, the reward will be forfeited.

TRB Growth Reward is limited and available on a first-come first-served basis while quota lasts.

5. Credit Card Welcome Offer:

a. Credit Card Welcome Offer of HK$400 for New Credit Card customers:

To be eligible for the Credit Card Welcome Offer, Customers with BOC Payroll Account (“Eligible New

Credit Card Customers”) are required to successfully apply for Enrich Banking World MasterCard during

the Promotion Period.

Successful Enrich Banking World MasterCard applicants, who select “HK$400 Free Spending Credit” as

the welcome offer, are required to accumulate spending of HK$2,000 or above in retail spending/cash

advance/Cash Before Card/posted amount of merchant installment program (“Spending”) (online Bill

Payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such

other transaction types designated by the Card Company from time to time are excluded) within the first

two months of card issuance in order to be eligible for the welcome offer.

Should the main cardholders have successfully applied for additional cards at the same time, the

accumulated spending of each additional card should reach HK$2,000 or above in retail spending/cash

advance/Cash Before Card/posted amount of merchant installment program (“Spending”) (online Bill

Payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such

other transaction types designated by the Card Company from time to time are excluded) in the HKD

Credit Card account within the first two months of card issuance in order to enjoy “25,000 Gift Points” for

main cardholders. Each main cardholder can enjoy a maximum of 225,000 Gift Points from additional

cards. (Each main cardholder can apply for a maximum of 9 additional cards).

If Eligible New Credit Card customers successfully apply for Enrich Banking World MasterCard during the

period from 3 May 2016 to 30 June 2016, while they are existing main cardholders of BOC Credit Card

and/or BOC CUP Dual Currency Credit Card (Additional Card, Business Card, Commercial Card,

Purchasing Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit

Card issued in Macau SAR, Private Label Card and BOC Express Cash Revolving Credit are all excluded),

or have cancelled the above cards or were once cardholders of the above cards on or after 1 July 2015 not

be entitled to the welcome offer for main cardholders upon approval of application.

If Eligible New Credit Card customers successfully apply for Enrich Banking World MasterCard during the

period from 1 July 2016 to 31 July 2016, while they are existing main cardholders of BOC Credit Card

and/or BOC CUP Dual Currency Credit Card (Additional Card, Business Card, Commercial Card,

Purchasing Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit

Card issued in Macau SAR, Private Label Card and BOC Express Cash Revolving Credit are all excluded),

or have cancelled the above cards or were once cardholders of the above cards on or after 1 January 2016

not be entitled to the welcome offer for main cardholders upon approval of application.

If the additional card applicant successfully apply for the additional card of Enrich Banking World

MasterCard during the period from 3 May 2016 to 30 June 2016, while he/she currently holds BOC Credit

Card and/or BOC CUP Dual Currency Credit Card (including main card or additional card), or has

cancelled any such card or once held any such card on or after 1 July 2015, the main cardholder will not be

entitled to welcome offer for the additional card upon approval of the additional card application.

If the additional card applicant successfully apply for the additional card of Enrich Banking World

MasterCard during the period from 1 July 2016 to 31 July 2016, while he/she currently holds BOC Credit

Card and/or BOC CUP Dual Currency Credit Card (including main card or additional card), or has

cancelled any such card or once held any such card on or after 1 January 2016, the main cardholder will

not be entitled to welcome offer for the additional card upon approval of the additional card application.

Free Spending Credit will be credited to main cardholders’ accounts within 4 to 6 weeks after all Spending

requirements (if applicable) are fulfilled. Customers should still maintain a valid Payroll Account and the

status of the relevant credit card account must be normal, valid and in good credit condition at the time of

crediting Free Spending Credit.

If a cardholder has made multiple redemptions or the relevant transaction to fulfill the spending

requirement has been cancelled for whatever reason, the Card Company reserves the right to debit

from the cardholder’s account the amount equivalent to the cost of the welcome offer (the cost of

“HK$400 Free Spending Credit” is HK$400) without prior notice.

Free Spending Credit is meant exclusively for retail purchase and cannot be used for cash advance,

settlement of financial charge or any previous outstanding balance accrued before the Free Spending

Credit is credited.

Free Spending Credit cannot be converted into cash or exchanged for other gifts and is also not

refundable and transferrable.

If a new cardholder cancels the main credit card account within 12 months after card issuance, the

Card Company reserves the right to debit an administration fee of HK$3,800 for Enrich Banking

World MasterCard against his/her credit card account without prior notice.

Should two or more BOC Credit Cards and/or BOC CUP Dual Currency Credit Cards be successfully

approved within the Promotion Period, the cardholder will be entitled to one gift only and the gift will be that

for the highest tier of credit card approved (the credit card tier in descending order is Visa Infinite Card,

CUP Dual Currency Diamond Card, World MasterCard, Visa Signature Card, Platinum Card, Titanium

Card and Classic Card). If the credit cards are not applied at the same time, the gift for the credit card first

approved will be offered.

The Card Company reserves the right to change, suspend or terminate the welcome offers, and to amend

the relevant terms and conditions at its sole discretion without prior notice.

In case of any dispute(s), the decision of the Card Company shall be final.

For the offer details of Enrich Banking World MasterCard, please visit www.boci.com.hk.

b. Extra HK$100 Rewards of Credit Card

During the Promotion Period, the Credit card welcome offer of an extra HK$100 Free Spending Credit is

only applicable to customers who newly take up/upgrade to Enrich Banking and are accepted by the Card

Company as a main cardholder of an Enrich Banking World MasterCard respectively and having fulfilled a

spending requirement on the Enrich Banking World MasterCard for an accumulative value of or over

HK$2,000 in the first two months from card issuance (“Credit Card Extra Welcome Offer Eligible

Customers”) in order to be eligible for the Extra HK$100 free spending credit (“Extra HK$100 credit card

spending credit"). Only spending in retail purchase/cash advance/Cash Before Card/posted amount of

merchant installment program will be accepted as the stipulated spending requirement (“Spending”)

whereas online bill payment, Octopus Automatic Add Value Service, unposted repayment of cash

installment plan and such other transaction types as may be designated by the Card Company from time to

time are all not acceptable.

For customers who successfully apply for the main card of Enrich Banking World MasterCard during the

period of 3 May 2016 and 30 June 2016 (both dates inclusive):

i. The extra HK$100 credit card spending credit will be credited to the valid Enrich Banking World

MasterCard accounts held by the Credit Card Extra Welcome Offer Eligible Customer on or before 31

October 2016.

ii. Applicants who are existing main cardholder of Enrich Banking World MasterCard or have cancelled

the above cards or were once holders of the above cards on or after 1 July 2015 will not be entitled to

the Extra HK$100 credit card spending credit for main cardholders upon approval of application.

For customers who successfully apply for the main card of Enrich Banking World MasterCard during the

period of 1 July 2016 and 31 July 2016 (both dates inclusive):

i. The extra HK$100 credit card spending credit will be credited to the valid Enrich Banking World

MasterCard accounts held by the Credit Card Extra Welcome Offer Eligible Customer on or before 30

November 2016.

iii. Applicants who are existing main cardholder of Enrich Banking World MasterCard or have cancelled

the above cards or were once holders of the above cards on or after 1 January 2016 will not be entitled

to the Extra HK$100 credit card spending credit for main cardholders upon approval of application.

Each Credit Card Extra Welcome Offer Eligible Customer can only enjoy this offer once and cannot be

used in conjunction with other Extra HK$100 credit card spending credit promoted by BOCHK in other

products.

Credit Card Extra Welcome Offer Eligible Customer should still maintain the valid Enrich Banking World

MasterCard and Enrich Banking Integrated Banking Service when the Extra HK$100 credit card spending

credit is credited by the Card Company. Otherwise, the relevant offer will be forfeited and no other offer will

be rewarded in its place.

Extra HK$100 credit card spending credit is meant exclusively for retail purchase and cannot be used for

cash advance, settlement of financial charge or any previous outstanding balance accrued before the

Extra HK$100 credit card spending credit is credited.

Extra HK$100 credit card spending credit cannot be converted into cash or exchanged for other gifts and is

also not refundable and transferrable.

The status of the credit card accounts held by the Credit Card Extra Welcome Offer Eligible Customer

should be normal, valid and in good standing, and such accounts should not have breached the Card User

Agreement when the Extra HK$100 credit card spending credit is credited by the Card Company. If the

Credit Card Extra Welcome Offer Eligible Customers cannot fulfill the above requirements, BOCHK and

the Card Company reserve the right to forfeit the relevant offer without prior notice.

6. HKD/ USD Time Deposit Reward:

• Customers who fulfil the following requirements (“Eligible HKD/ USD Time Deposit Reward Customers”)

can enjoy HKD/USD Time Deposit Reward of up to HK$1,000 BOC Credit Card Free Spending Credit

(“Free Spending Credit”):

(i) Newly take up or upgrade to Enrich Banking (applicable to sole-name account only) during the

Promotion Period and have not taken up or cancelled Wealth Management/ Enrich Banking in

sole-name with BOCHK within 3 months prior to or on 31 March 2016; and

(ii) Place designated amount of HKD or USD time deposit via any branch of BOCHK for 1 month at

0.01% p.a. interest rate with new funds during the Promotion Period (“Eligible HKD/ USD Time

Deposit”); and

(iii) Newly applied/ already have BOC credit card; and

(iv) Required HKD/ USD Time Deposit Amount is as below:

HKD/ USD Time Deposit Amount Free Spending

Credit HKD USD

HK$1,000,000 or above US$125,000 or above HK$1,000

HK$800,000 - below HK$1,000,000 US$100,000 –below US$125,000 HK$800

HK$600,000 - below HK$800,000 US$75,000 –below US$100,000 HK$600



• Each Eligible HKD/ USD Time Deposit Reward Customer can only get up to maximum HK$1,000 Free

Spending Credit during the Promotion Period.

• Funds that are deposited via cashier's order/cheques and transfers / remittance from banks within BOCHK

Group will not be considered as new funds. For details of the definition of “new funds”, please contact

BOCHK's staff. In case of disputes, BOCHK has the sole discretion to determine the definition of “new

funds”.

• Eligible HKD/ USD Time Deposit Reward Customers should still have valid BOC credit card maintain that

Integrated Account Service or Integrated Account Service with higher “Total Relationship Balance”

requirement when Free Spending Credit is credited by the Card Company. Otherwise, the reward will be

forfeited.

• Free Spending Credit will be credited to the Eligible Time Deposit Reward Customers’ BOC Credit Card on

or before 31 October 2016 if Eligible HKD/ USD Time Deposit is placed within the period from 3 May 2016

to 30 June 2016 (both dates inclusive). Free Spending Credit will be credited to the Eligible Time Deposit

Reward Customers’ BOC Credit Card on or before 31 December 2016 if Eligible HKD/ USD Time Deposit

is placed within the period from 1 July to 31 July 2016 (both dates inclusive).

• If Eligible HKD/ USD Time Deposit Reward Customer uplift his/her Eligible Time Deposit before maturity,

the reward will be forfeited.

• HKD/ USD Time Deposit transaction amount is subject to BOCHK’s record.

• HKD/ USD Time Deposit Reward is limited and available on a first-come-first-served basis while quota

lasts.

7. Deposit Securities Offer:

This offer is only eligible to customers who successfully deposit securities settled in HKD or RMB and

listed on Hong Kong Exchange and Clearing Limited (“HKEx”) or Shanghai Stock Exchange (“SSE”)

(excluding Ministry of Finance of the PRC CNY Bonds and The Government of the HKSAR of the PRC

iBonds / The Hong Kong Monetary Authority iBonds) into BOCHK’s securities accounts via Central

Clearing and Settlement System (CCASS) (physical scrip is not included) (securities transferred from

Nanyang Commercial Bank Limited and Chiyu Banking Corporation Limited is not included) (“Eligible

Securities”) between 1 April 2016 to 31 July 2016 (both dates inclusive)(“Promotion Period”).

Customer who deposit Eligible Securities with designated market value during the Promotion Period

(“Eligible Deposit Securities Customers”) can be entitled to the following reward:

Market Value of Eligible Securities

Deposited

Free Spending Credit

HK$500,000 or above HK$2,000

HK$100,000 - Below HK$500,000 HK$1,000

The market value of Eligible Securities is calculated on the basis of the closing price on the day of

depositing the securities by Eligible Deposit Securities Customers. If the closing price of Eligible Securities

cannot be determined on the day of deposit, the final price used for calculating the market value will be

determined by BOCHK at its sole discretion. This offer is not applicable to customers who withdraw

Eligible Securities (via CCASS or by physical scrip) from their related securities accounts

maintained with BOCHK during the Promotion Period.

The market value of Eligible Securities and brokerage fee settled in RMB will be converted into HKD at the

exchange rate determined by BOCHK.

Each customer will only be entitled to the above offer once. If the Eligible Deposit Securities Customer

opens more than one securities account during the Promotion Period, he/she will only be entitled to the

above offer once. If the account is a joint securities account, the holders of such account will be considered

as one customer.

To be entitled to the offer, Eligible Deposit Securities Customers must hold a valid BOC Credit

Card. Otherwise, the offer will be forfeited and will not be entitled to any award in any other format.

If Eligible Deposit Securities Customer is a joint securities account holder, any one of the joint securities

account holder must hold a valid BOC Credit Card. BOCHK will credit cash of equivalent value to the

settlement account of the joint securities account. If the joint securities account holds more than one

settlement account, BOCHK has the discretion to credit the rewards to any one of the settlement accounts.

Free Spending Credit will be credited to the valid BOC Credit Card Account of Eligible Deposit Securities

Customers on or before 31 October 2016.

8. BOC Credit Card Free Spending Credit

Free Spending Credit is meant exclusively for retail purchase and cannot be used for cash advance,

settlement of financial charge or any previous outstanding balance accrued before the Free Spending

Credit is credited.

Free Spending Credit cannot be converted into cash or exchanged for other gifts or coupons and is also

not refundable and transferrable.

If customers hold more than one BOC Credit Card, the Free Spending Credit will be credited to the highest

tier BOC Credit Card Account (the credit card tier in descending order is Visa Infinite Card, CUP Dual

Currency Diamond Card, World Master Card, Visa Signature Card, Platinum Card, Titanium Card, Gold

Card and Classic Card).

The status of the credit card accounts held by the customers should be normal, valid and in good standing,

and such accounts should not have overdue/bad records, nor have they been cancelled/terminated for any

reason, and the customers should not have breached the Card User Agreement when the Free Spending

Credit is credited by the Card Company. If the customers cannot fulfil the above requirements, BOCHK

and the Card Company reserve the right to forfeit the relevant offer without prior notice.

9. Portable Luggage Scale:

Customers who newly take up or upgrade to Enrich Banking (applicable to sole-name account only)

(“Eligible New Customers”) via BOCHK’s branch during the Promotion Period will be instantly rewarded

with a Portable Luggage Scale (“The Gift”).

For customers who upgrade to Enrich Banking (applicable to sole-name account only) (“Eligible New

Customers”) via Internet Banking or Invitation Email (applicable to Selected Customers only) during the

Promotion Period, BOCHK will send the Gift redemption letter by mail to the Eligible New Customers in

accordance with the correspondence address record of BOCHK on or before 30 September 2016. Eligible

New Customers are required to maintain valid Enrich Banking/ Wealth Management service at the time

when the Gift redemption letter is sent out by BOCHK. Otherwise, the offer will be forfeited.

The Gift is not applicable to customers who have taken up or cancelled Wealth Management / Enrich

Banking in sole-name with BOCHK during the period from 1 January 2016 to 30 April 2016.

Each Eligible New customer can be rewarded with the Gift once only during the entire Promotion Period.

The above Gift is limited and available on a first-come-first-serve basis while stock lasts.

If the above Gift is out of stocks, BOCHK reserves the right to offer an alternative gift/coupon as a

replacement. The value and feature of the alternative gift/coupon might be different from the original Gift.

The above Gift cannot be transferred, returned, exchanged for other gift/coupons or redeemed for cash.

The usage of the above Gift is subject to the terms as specified by the supplier(s). BOCHK is not the

supplier of the Gift. Any enquiry or complaint in respect of the Gift should be directed to the relevant

supplier(s). BOCHK gives no guarantee to the Gift or the services of the supplier(s), or does not accept

any liability arising in conjunction with the use of Gift or services provided by the supplier(s).

BOCHK will not re-send or replace the Gift / Redemption Letter under any circumstances and will not be

accountable for any liabilities.

10. Grand Lucky Draw:

During the Promotion Period, customers who newly take up or upgrade to Wealth Management / Enrich

Banking (applicable to sole-name account only) or Existing Wealth Management / Enrich Banking

(applicable to sole-name account only) complete any one of the following designated transactions

(“Eligible Transactions”) can automatically enter into Lucky Draw while registration is not required. The

lucky draw chance for each Eligible Transaction is listed below. If customers complete more than one

Eligible Transaction, additional lucky draw chances will be granted. There is no limit on the number of

Lucky Draw chance.

Eligible Transactions Number of Lucky Draw Chance

Banking Service Newly take up / upgrade to Wealth

Management / Enrich Banking

1

Payroll Newly register for Payroll service and receive

salary* via payroll account^

10

(applicable to Civil Servants)

5

(applicable to General Customers)

Credit Card Successfully apply for Wealth Management

Visa Infinite Card / Enrich Banking World

MasterCard

１

Time Deposit Place Time Deposit with New Fund 1

Investment Deposit HK Stocks or Shanghai A Shares １

^ Civil Servant / General Customers should maintain a valid HKD Savings Account or HKD Current

Account (including sole-name or joint-name accounts) (“Payroll Account”) with BOCHK and register for

Payroll Service via any branch, Phone Banking or Internet Banking or BOCHK during the Promotion

Period. For the definition of Civil Servant, please refer to Clause (3b).

* Means of receiving salary includes “electronic payroll arrangement” or newly set up “single standing

instruction” (not including the standing instruction originating from BOCHK and Chiyu Banking

Corporation Limited) via Payroll Account while “Salary” refers to the basic monthly salary (excluding

commission, bonus, double pay, repayment and / or other funds) of which the amount should reach

HK$10,000 or above.

The Lucky Draw Prize is HK$10,000 Free Spending Credit and there will be 20 customers receiving the

Lucky Draw Prize.

BOCHK will base on customers’ account record to determine the number of lucky draw chance and the

Lucky Draw will be randomly executed by BOCHK’s computer system in August 2016. The result of the

Lucky Draw will be announced on BOCHK’s website at www.bochk.com on 5 September 2016 and the

entitled customers will be notified by phone.

The free spending credit will be credited to the entitled customers’ valid BOC Credit Card account by 31

October 2016.

Customers have to maintain the related Integrated Account Service or an Integrated Account Service with

higher “Total Relationship Balance” requirement when crediting the Free Spending Credit, or else the

relevant reward will be forfeited.

In the interest of fairness, the Lucky Draw is not applicable to BOCHK Staff.

11. Travel Upgrade Reward：

Customers who fulfil the following requirements (“Travel Upgrade Reward Eligible Customers”) can enjoy

the Travel Upgrade Reward which value up to HK$2,388：

i. Newly take up / upgrade / have already taken up Enrich Banking Integrate Account Service as of 31

July 2016; and

ii. Fulfil requirement of any 3 or more of the following designated services/ transactions from 18 January

2016 to 31 July 2016 (both dates inclusive):

a. HKD/ USD Time Deposit：

- Successfully open 1-month or above HKD/ USD Time Deposit with new funds of accumulated

amount of HK$200,000 or above/ US$25,000 or above with BOCHK;

- Funds that are deposited via cashier's order / cheques and transfers / remittance from banks

within BOCHK Group will not be considered as new funds. For details of the definition of “new

funds”, please contact BOCHK's staff. In case of disputes, BOCHK has the sole discretion to

determine the definition of “new funds”;

b. Monthly Savings Plan (Deposits/Stocks/Fund):

- Newly setup Monthly Savings Plan (Deposits/Stocks/Fund), settle the first contribution payment

successfully on or before 31 July 2016 with monthly contribution of HK$5,000 or more equivalent

(For each Monthly Saving Plan), and make consecutive contribution for at least 3 months (if

customer failed to make consecutive contribution for at least 3 months, BOCHK reserves the

right to forfeit the relevant offer without prior notice):

Monthly Deposits Savings Plan - Club Deposit Account: Successfully set up new HKD/RMB

Monthly Deposits Savings Plan - Club Deposit via BOCHK; or

Monthly Stocks Savings Plan: Newly setup Monthly Stocks Savings Plan through a BOCHK

Securities Account (including Family Securities Account); or

Monthly Funds Savings Plan: Newly setup Monthly Fund Savings Plan via BOCHK

c. Insurance

- Enroll in “BOC Worldwide Medical Insurance Plan” or “BOC Family Medical Insurance Plan” and

fulfil the following requirements: (i) the Annual Premium should reach HK$5,000 or above; and

(ii)submit the duly completed and signed application form(s) together with the other required

documents to Bank of China Group Insurance Company Limited (“BOCG Insurance”) during the

period from 18 January 2016 to 31 July 2016 (both dates inclusive); and (iii) the Annual Premium

should be paid in full on or before 31 July 2016 (late payment is not accepted); and (iv) the

policy(ies) should be effective on or before 31 July 2016;

- For the details of the “BOC Worldwide Medical Insurance Plan” and “BOC Family Medical

Insurance Plan”, please contact BOCHK branch staff;

d. Payroll Service:

- Customers should maintain a valid HKD Savings Account or HKD Current Account (including

sole-name or joint-name accounts) (“Payroll Account”) with BOCHK and register for Payroll

Service via any branch, Phone Banking or Internet Banking of BOCHK during the period from 18

January 2016 to 31 July 2016 (both dates inclusive); and

- Start receiving salary by “electronic payroll arrangement” or newly set up “single standing

instruction” (not including the standing instruction originating from BOCHK and Chiyu Banking

Corporation Limited) via Payroll Account from the date of payroll service registration;

- “Salary” refers to the basic monthly salary (excluding commission, bonus, double pay, repayment

and/ or other funds) of which the amount should reach HK$10,000 or above.

e. Securities Services：

- Successfully open new Securities Account (including Securities Margin Trading Account) and do

not have any securities account with BOCHK within 6 months preceding the date of New

Securities Accounts opening, and conduct buying/ selling transactions of securities listed on the

Hong Kong Exchange and Clearing Limited (“HKEx”) and settled in HKD or RMB (exclude

Monthly Stocks Savings Plan and IPO subscription) or securities listed on Shanghai Stock

Exchange (“SSE”) via the new Securities Account, with accumulated transaction amount of

HK$200,000 equivalent or above; or

- Successfully open new Family Securities Account and do not have any Family Securities

Account with BOCHK within 6 months preceding the date of New Family Securities Accounts

opening, and conduct buying/ selling transactions of securities listed on the HKEx and settled in

HKD or RMB (exclude Monthly Stocks Savings Plan and IPO subscription) or securities listed on

SSE via the new Family Securities Account, with accumulated transaction amount of

HK$200,000 equivalent or above;

f. Fund:

- Conduct lump-sum subscription or fund switching between different fund houses through a

same-name fund account (sole-name / joint-name account) (excluding Money Market funds,

switching between the same fund house) with subscription amount of HK$200,000 equivalent or

above;

- For transactions denominated in foreign currencies, the relevant transaction amount will be

converted into Hong Kong Dollar on the basis of the prevailing exchange rate quoted by BOCHK

at the close of the transaction day. BOCHK reserves the right to change the calculation method

of transaction amount at its sole discretion;

g. Foreign Exchange:

- Conduct foreign currency exchange transaction at the telegraphic transfer rate through

same-name Multi-Currency Savings Account and with accumulated exchange amount of

HK$200,000 or above. For transactions denominated in foreign currencies, the relevant

transaction amount will be converted into Hong Kong dollars on the basis of the prevailing

exchange rate quoted by BOCHK at the close of business on the transaction day. BOCHK

reserves the right to change the calculation method of transaction amount at its sole discretion;

h. Mortgage:

- Submit application for new property mortgage loan / property mortgage refinancing loan /

mortgage further advance / re-mortgage loan (“Property Mortgage Loan”) to BOCHK during the

period from 18 January 2016 to 30 June 2016 (both dates inclusive), and successfully drawdown

Property Mortgage Loan with loan amount of HK$2,000,000 or above on or before 30 September

2016;

- If the borrower of the Property Mortgage Loan is a joint account, the related sole-name accounts

are also considered as fulfilling this requirement.

Number of designated services/ transactions

which requirements have been successfully

fulfilled

Travel Upgrade Reward

3 Free Airport Lounge Service (“Gift”) for 2

(Total approximate value of HK$700)

4 or above Free Airport Lounge Service (“Gift”) for 3 and

HK$1,338 BOC Credit Card Free Spending Credit

(Total approximate value of HK$2,388)

Each Travel Upgrade Reward Eligible Customer can enjoy this offer once only.

If the Travel Upgrade Reward Eligible Customer is a joint account, the holders of such account will be

considered as one customer and only one of the account holders will be entitled to Travel Upgrade Reward.

BOCHK reserves the right to grant the Travel Upgrade Reward to any one of the joint-account holders.

If Travel Upgrade Reward Eligible Customers submit application for new Property Mortgage Loan to BOCHK

on or before 30 June 2016, the Gift will be delivered by mail to the Travel Upgrade Reward Eligible Customers

on or before 31 December 2016 in accordance with the correspondence address record of BOCHK; otherwise,

the Gift will be delivered by mail to the Travel Upgrade Reward Eligible Customers on or before 31 October

2016 in accordance with the correspondence address record of BOCHK.

If Travel Upgrade Reward Eligible Customers submit application for new Property Mortgage Loan to BOCHK

on or before 30 June 2016, Free Spending Credit will be credited to the valid BOC Credit Card of Travel

Upgrade Reward Eligible Customers on or before 31 December 2016; otherwise, Free Spending Credit will be

credited to the valid BOC Credit Card of Travel Upgrade Reward Eligible Customers on or before 31 October

2016.

If the Travel Upgrade Reward Eligible Customer is a sole-name account customer aged 18 or above, BOCHK

will provide the reward in the form of Free Spending Credit which will be credited into the customer’s valid BOC

Credit Card account; if the Travel Upgrade Reward Eligible Customer is joint-name account customer or

sole-name customer aged between 11 and 17, BOCHK will credit cash of equivalent value to settlement

account of the aforesaid customer’s Integrated Account Service settlement account without prior notice.

Travel Upgrade Reward Eligible Customers have to maintain the related Integrated Account Service or an

Integrated Account Service with higher “Total Relationship Balance” requirement when crediting the Free

Spending Credit or cash, or else the relevant reward will be forfeited.

Travel Upgrade Reward is limited and available on a first-come first-served basis while quota lasts.

12. Foreign Exchange Offer:

The promotion period is from 3 May 2016 to 31 July 2016 (both dates inclusive) (“Foreign Exchange

Promotion Period”).

To be eligible for up to 60 pips Foreign Exchange Offer, customer should convert HKD to the Designated

Currencies (or vice versa, if applicable) at telegraphic transfer exchange rate under the account of the

same account holder of the Enrich Banking service. (If Enrich Banking service is signed up in joint-name,

the transactions should be conducted under the same joint-name). The table below sets out the details of

the offer:

Designated Currencies Exchange Offer

EUR 60 pips

AUD, JPY 20 pips

Customers can conduct foreign currency exchange at any branch or via Manned Phone Banking Services,

Automated Phone Banking Services, Internet Banking or Mobile Banking of BOCHK.

The offer is not applicable to foreign currency banknotes exchange and transactions through “Corporate

Banking Services Online”.

BOCHK reserves the right to change the foreign exchange offer at any time at its sole discretion without

prior notice.

13. Universal Travel Insurance Offer:

From 3 May 2016 to 30 June 2016 (both dates inclusive) (“Universal Travel Insurance Promotion Period”),

Ｗealth Management / Enrich Banking customers can enjoy following privileges:

Enrolment Channels Annual Travel Plan

Premium Discount

Single Travel Plan

Premium Discount

BOCHK Mobile Application Not Applicable 20% off

Phone Banking or Branch 50% off 20% off

(a) Up to 50% discount on the first year premium of Annual Travel Plan with extra 5,000 BOC Credit Card

Reward Gift Points

- During the Universal Travel Insurance Promotion Period, Wealth Management / Enrich Banking

customers can enjoy 50% discount on the first year premium upon successful enrolment in

Universal Travel Insurance (Annual Travel Plan) via Phone Banking or branches of BOCHK

(“Eligible Annual Travel Plan Customers”). This offer is only applicable to new policies and it does

not apply to policy renewals or re-applications within 3 months after policy cancellation /

termination of policy renewals.

- BOC Credit Card Rewards Gift Points (“Rewards Gift Points”) offer:

To be eligible for the Reward Gift Points, the Eligible Annual Travel Plan Customers should

successfully enrol in Universal Travel Insurance (Annual Travel Plan) during Universal

Travel Insurance Promotion Period, and should register for the Credit Card Direct Debit

Authorisation Service for premium payment of the first policy year and renewal for

“Universal Travel Insurance” (Annual Travel Plan) during the Universal Travel Insurance

Promotion Period. Upon successful registration of the above BOC Credit Card Direct Debit

Authorisation Service, the extra 5,000 Reward Gift Points will be credited by the Card

Company to the BOC Credit Card Accounts of the Eligible Annual Travel Plan Customers

by batch on or before 30 November 2016 without prior notification.

The Reward Gift Points are only applicable to Eligible Annual Travel Plan 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 policies should still be effective at the time of crediting Reward Gift Points to BOC

credit card accounts of the Eligible Annual Travel Plan Customers. Otherwise, the offer will

be forfeited.

If an Eligible Annual Travel Plan Customer holds more than one BOC credit cards, the

Reward Gift Points 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). If an Eligible Customer holds two BOC credit cards at the same

tier, the Reward Gift Points will be credited to the latest BOC credit card account.

Only Eligible Annual Travel Plan Customers whose credit card accounts are normal, valid

and in good credit standing during the Universal Travel Insurance Promotion Period and at

the time of the Reward Gift Points being credited will be eligible to this offer. In the event of

termination of a credit card account, violation of the Card User Agreement, unsettlement of

overdue payment, or any delinquent records found during the Universal Travel Insurance

Promotion Period or at the time of the Rewards Gift Points being credited, the Reward Gift

Points will not be entitled forthwith.

Rewards Gift Points cannot be redeemed for cash or exchanged for other products or

services, and cannot be transferred. For other terms relating to Reward Gift Points, the

terms contained in the latest issue of “BOC Credit Card Gift Point Catalogue” shall prevail.

(b) 20% premium discount on Single Travel Plan (premium of as low as HK$38 for each person for family

enrolment)

Ｗealth Management / Enrich Banking customers who successfully enrol in Universal Travel

Insurance (Single Travel Plan) via BOCHK Mobile Application are required to pay the premium by

credit card and input the Promotion Code ME604 in order to enjoy 20% premium discount.

Universal Travel Insurance (Single Travel Plan) offers 3 different types of coverage for selection,

including "Diamond Plan", "Gold Plan" and "Silver Plan". For details, please refer to the relevant

promotion material or contact BOCHK branch staff.

During Universal Travel Insurance Promotion Period, if a family (refers to legally married couple

with the legally dependent unmarried child(ren) who is (are) 6 weeks to 17 years old) successfully

enrol in the “Silver Plan” of “Universal Travel Insurance” (Single Travel Plan) via BOCHK Mobile

Application, the premium for a family of 4 members for 4-day coverage in "Area 1" is only HK$38

per person (HK$191 x 80% ÷ 4 insured persons). The above calculation is for reference only.

Discounted premium is rounded up to an integer.

The Premium Discount Offer for Universal Travel Insurance is offered by BOCG Insurance while the

Reward Gift Points Offer is provided by the Card Company.

14. BOC Express Cash Revolving Credit:

The promotion period is from 3 May 2016 to 31 December 2016 (both dates inclusive) (the “BOC Express

Cash Revolving Credit Promotion Period”).

Offer applies only to new Enrich Banking customers who have neither maintained a bank account nor used

the Integrated Account Service in a sole or joint name capacity with BOCHK within 3 months prior to the

date of a newly open account.

Customers who successfully apply for the BOC Express Revolving Credit at branch with the gift code “TL”

for a loan amount of HK$20,000 are entitled to the first 12-month interest free offer, the first-12 month

withdrawal fee waiver (including Internet Banking, Mobile Banking, Cash Before Card, ATM withdrawals

and counter withdrawals) and the perpetual annual fee waiver (the “Eligible BOC Express Cash Revolving

Credit Customers”). For a loan amount of HK$20,000, the annualized percentage rate (“APR”) is 0%. The

APR is calculated according to the guidelines laid down in the “Code of Banking Practice”. The APR is an

annualized reference rate that reflects basic interest and other related fees and charges of the banking

product. The above example is calculated based on a number of assumptions and used for reference only.

The offer is only applicable to full-time employees and not applicable for the existing customers of either the

BOC Express Cash Installment Loan or the BOC Express Revolving Credit.

The loan amount cannot be increased within the period of Promotional Interest Rate being applied.

The status of the Eligible BOC Express Cash Revolving Credit Customers’ BOC Express Cash account

must be normal and valid, and without any overdue record or in breach of the terms and conditions of the

BOC Express Cash Card User Agreement; nor can it be cancelled/closed due to any reasons within the

period of Promotional Interest Rate being applied. If customers cannot fulfill the above requirements, Card

Company reserves the right to withhold the promotional interest rate offer without prior notice. In the event

the customers have not made any repayment or have made a repayment of less than the “Minimum

Payment” on or before the specified Due Date on two or more occasions in respect of the last 6

consecutive monthly statements, the Card Company will charge interest on the outstanding

balance carried in the said account at an Overdue Interest Rate which is 4% per annum over and

above the cancelled “First 12 months interest free offer” rate. The subject Promotional Interest Rate

will be cancelled.

The Eligible BOC Express Cash Revolving Credit Customers are required to main the Enrich Banking

service for 6 months from the account opening date. The Card Company reserves its absolute right to

terminate the offer at its sole discretion without prior notice.

General Terms of BOC Express Cash Revolving Credit:

i. BOC Express Cash Revolving Credit is the product of the Card Company. The Card Company is a

member of the BOCHK Group.

ii. BOC Express Cash Revolving Credit is subject to the relevant terms of the “BOC Express Cash” User

Agreement.

iii. Each Eligible BOC Express Cash Revolving Credit Customer can be entitled to the BOC Express Cash

Revolving Credit once only and the offer cannot be used in conjunction with any other offers at the

same time.

iv. The credit rating of each customer must fulfill the requirements of the Card Company. The approved

APR may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan

amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all

subject to the final decision of the Card Company without providing any reason.

v. The Card Company reserves the right to amend, suspend or terminate the above products and offers

to amend the relevant terms at any time at its sole discretion without prior notice.

vi. In case of any dispute, the decision of the Card Company shall be final.

Monthly Service Fee of Wealth Management / Enrich Banking

Wealth Management / Enrich Banking customers who maintain the following designated amount of

"Total Relationship Balance" can enjoy the relevant monthly service fee waiver.

Integrated Account

Service

“Total Relationship

Balance”

Monthly Service Fee Waiver

Wealth Management HK$1,000,000 or above HK$280

Enrich Banking HK$200,000 or above HK$120

The monthly service fee will be debited from the customers’ Integrated Account Services settlement

accounts. If the Monthly Service Fee cannot be successfully debited from the aforementioned

settlement accounts, BOCHK reserves the right to terminate customers’ Integrated Account Services at

its sole discretion. The relevant monthly service fee is subject to the announcement by BOCHK from

time to time. For details of the “Total Relationship Balance”, please contact BOCHK branch staff or visit

www.bochk.com

Notes of General Insurance:

• Universal Travel Insurance, BOC Worldwide Medical Insurance Plan and BOC Family Medical Insurance Plan

(“these Plans”) are underwritten by BOCG Insurance.

• BOCHK is an appointed insurance agent of BOCG Insurance for distribution of these Plans. These Plans are

products of BOCG Insurance but not BOCHK.

• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution

Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out

of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial

Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of

these Plans should be resolved between directly BOCG Insurance and the customer.

• BOCG Insurance is authorized and regulated by Office of the Commissioner of Insurance to carry on general

insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.

• BOCG Insurance reserves the right to accept or decline any application for these Plans based on the

information provided by the insured and applicant at the time of application.

• BOCG Insurance reserves the right to amend or withhold any terms and conditions of these Plans. In case of

any dispute, the decision of BOCG Insurance shall be final.

• These Plans are governed by the terms and conditions in the relevant policy document. Detailed terms and

conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant

policy document for the details of the insured items and coverage, provisions and exclusions.

This promotion material is for reference only and is intended to be distributed in Hong Kong only. Information

contained herein is not and shall not be construed as any offer to sell or a solicitation of an offer or recommendation

to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy

documents and provisions issued by BOCG Insurance for details (including detailed terms, conditions and

exclusions) of the plan. For enquiry, please contact any branch of BOCHK.

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.

The above Gift is limited and available on a first-come-first-serve basis while stock lasts. If the above Gift is

out of stocks, BOCHK reserves the right to offer an alternative gift as a replacement. The value and feature

of the alternative gift might be different from the original Gift.

The above Gift cannot be transferred, returned, exchanged for other gift/coupons or redeemed for cash.

BOCHK will not re-send or replace the Gift that has already been given out under any circumstances. The

usage of the above Gift is subject to the terms as specified by the supplier(s). BOCHK is not the supplier of

the Gift. Any enquiry or complaint in respect of the Gift should be directed to the relevant supplier(s).

BOCHK gives no guarantee to the Gift or the services of the supplier(s), or does not accept any liability

arising in conjunction with the use of Gift or services provided by the supplier(s).

BOCHK reserves the right of approval on the application for any credit facilities and mortgage at its

absolute discretion. BOCHK shall have the right to decide whether to accept / decline any application

taking into consideration of the credit reports of the applicants and any information provided by the

applicants. BOCHK is not obliged to give any reason in case any application is declined. BOCHK also

reserves the right to request further documents from the applicants for the purpose of evaluation if

necessary. The credit facilities and mortgage will be governed by the facility letter signed between the loan

applicants and BOCHK.

BOCHK’s records of the approval date, drawdown date, drawdown amount and designated account for

loan repayment of the loan applications are conclusive.

The above products, services and offers are subject to the relevant terms. For details, please refer to the

relevant promotion materials or contact BOCHK branch staff.

BOCHK, BOCG Insurance and the Card Company reserve the rights to amend, suspend or terminate the

above products, services and offers and to amend the relevant terms at any time at its sole discretion.

Quantity of the offers is limited, while stock lasts.

In case of any dispute, the decision of BOCHK, BOCG Insurance and the Card Company shall be final.

Should there be any discrepancy between the Chinese and English versions of this promotion material, the

Chinese version shall prevail.

Risk Disclosure:

The following risk disclosure statements cannot disclose all the risks involved.

This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the

purchase, subscription or transaction of any investment products or services. You should not rely on the content of

this promotion material for making any investment decision. 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.

1. Risk of Foreign Currency Trading:

Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities

and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that

customer converts the foreign currency into Hong Kong dollar or other foreign currencies.

2. Risks associated with the Mainland-Hong Kong Mutual Recognition of Funds arrangement:

The Recognised Mainland Funds scheme are subject to an overall quota restriction, its mutual recognition

authorization is not guaranteed, you may encounter uncertainties in the Mainland tax liabilities. These Funds

invest primarily in securities related to the Mainland market. You have to understand its different market

practices and relevant implications. Also, you may be subject to additional concentration risk and the Mainland

market risk, investing in the Mainland may give rise to different risks including political, policy, tax, economic,

foreign exchange, legal, regulatory and liquidity risks.

3. 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.

4. 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.

Liquidity Risk

Regular trading or an active secondary market may not be developed in RMB equity products. Therefore you

may not be able to sell your investments in the RMB equity products on a timely basis, or you may have to sell

them at a deep discount to their value in order to find a buyer. Also, should the PRC central government

tighten foreign exchange controls, the liquidity of RMB or RMB equity products in Hong Kong will be affected

and you may be exposed to greater liquidity risk.

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.

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.

5. 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 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.

You are advised to understand the relevant details, charges and important notes before investing in Shanghai A

shares. For details, please refer to the “Important Notice of Trading Shanghai A Shares and A Shares Margin

Trading via Shanghai-Hong Kong Stock Connect” in “Hong Kong Investors Invest in A Shares” of Bank website

www.bochk.com or contact BOCHK’s staff.

This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and

Futures Commission of Hong Kong.

如閣下希望閲覽本宣傳品的中文版本，請向中銀香港分行職員查詢。

http://www.bochk.com/

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