Terms of the promotion offers：

1. HKD/ USD Time Deposit Reward:

The promotion period is from 1 April 2016 to 30 June 2016 (both dates inclusive) (“HKD/ USD Time Deposit Reward

Promotion Period”).

Customers should fulfil the following requirements (“Eligible HKD/ USD Time Deposit Reward Customers”) to 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 Wealth Management (Applicable to sole-name account only) during the HKD/ USD Time

Deposit Reward Promotion Period and have not taken up or cancelled Wealth Management in sole-name with Bank of

China (Hong Kong) Limited (“BOCHK”) within 3 months prior to or on 31 March 2016; and

(ii) Place designated amount of time deposit via any branch at 1 month HKD or USD 0.01% p.a. interest rate with new

funds during the HKD/ USD Time Deposit Reward Promotion Period (“Eligible HKD/ USD Time Deposit”); and

(iii) Newly applied/ already have BOC Credit Card; and

(iv) Required HKD/ USD Time Deposit Amount 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$1,000,0000 US$100,000 – below US$125,000 HK$800

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

HK$400,000 – below HK$600,00 US$50,000 – below US$75,000 HK$400

HK$200,000 – below HK$400,000 US$25,000 – below US$50,000 HK$200

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

during HKD/ USD Time Deposit Reward Promotion Period.

Funds that are deposited via cashier's order/cheques and transfers / remittance from other bank accounts 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 and maintain Wealth

Management Service when Free Spending Credit is credited by BOC Credit Card (International) Limited (the “Card

Company” ). Otherwise, the reward will be forfeited.

Free Spending Credit will be credited to the Eligible HKD/ USD Time Deposit Reward Customers’ BOC Credit Card on or

before 31 October 2016.

If Eligible HKD/ USD Time Deposit Reward Customer uplifts 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.

The offer worth equivalent up to 1.2%p.a. comprises of:

(i) The rate of HKD/USD Time Deposit; and

(ii) Up to HK$1,000 Free Spending Credit.

The above calculation is based on the fixed exchange rate of USD against HKD in 1:7.8, and for reference only.

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

The promotion period is from 1 April 2016 to 30 June 2016 (both dates inclusive) (“TRB Growth Reward Promotion

Period”).

Customers should fulfil the following requirements (“TRB Growth Reward Eligible Customers”) to enjoy the TRB Gro wth

Reward of up to HK$1,000 Free Spending Credit：

(i) Newly take up or upgrade to Wealth Management (Applicable to sole-name account only) during the TRB Growth

Reward Promotion Period and have not taken up or cancelled Wealth Management in sole-name with BOCHK within 3

months prior to or on 31 March 2016; and

(ii) Fulfil “Total Relationship Balance” of HK$1 million in July 2016; and

(iii) Fulfil the following requirements of “Total Relationship Balance” growth amount (“Total Relationship Balance”

growth amount refers to “Total Relationship Balance” of July 2016 as compared with “Total Relationship Balance”

of March 2016)：

“Total Relationship Balance” Growth Amount Free Spending Credit

HK$1 million or above HK$1,000

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

HK$200,000 - Below HK$500,000 HK$200

Each TRB Growth Reward Eligible Customer can enjoy this offer once only.

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.

TRB Growth Reward Eligible Customers should still maintain Wealth Management Service 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.

3. 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) Have already taken up Integrate Account Service (including Wealth Management /Enrich Banking /i-Free Banking) on

30 June 2016 (both dates inclusive)；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 other bank accounts 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 set up Monthly Stocks Savings Plan through a BOCHK Securities Account

(including Family Securities Account)；or

Monthly Funds Savings Plan：Newly set up 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”) from 18 January 2016 to 30 June 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 30 June 2016;

- For 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 from 18 January 2016 to 30 June 2016 (both dates inclusive); and

- Start receiving salary by “electronic payroll arrangement” or “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 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, 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, 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 Inte grated Account Ser vice

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 the relevant

reward will be forfeited.

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

4. Payroll Service Rewards:

The promotion period is from 1 April 2016 to 31 July 2016 (both dates inclusive) (“Payroll Service Promotion Period”).

To be eligible for Free Spending Credit, customers should maintain a valid HKD Savings Account or HKD Current Account

(including sole-name or joint-name accounts) ( “Payroll Account” ) with BOCHK, and (i) register for Payroll Service via any

branch, Phone Banking or Internet Banking of BOCHK during the Payroll Service Promotion Period; (ii) start receiving salary by

“electronic payroll arrangement” or set up a new “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 from 1 January 2016 to 31

March 2016 ( “Eligible Customers of Payroll Service” ).The details of the offer are as follows:

Welcome Reward

(i). The amount of Free Spending Credit 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 (Wealth

Management / Enrich Banking / i-Free Banking). For details, please refer to below table.

Monthly Salary Free Spending Credit

Wealth Management Enrich Banking i-Free Banking

HK$60,000 or above HK$15,00 HK$500

HK$100 HK$20,000 – HK$59,999 HK$500

HK$10,000 – HK$19,999 HK$100 HK$100

(ii). 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 when Free Spending Credit for Welcome Reward is credited by the Card

Company.

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 “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 holding the

Integrated Account Service (Wealth Management / Enrich Banking / i-Free Banking). For details, please refer to below

table.

Monthly Salary Free Spending Credit

Wealth Management Enrich Banking i-Free Banking

HK$60,000 or above HK$15,00

HK$300 HK$300 HK$20,000 – HK$59,999 HK$300

HK$10,000 – HK$19,999

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 when Free Spending Credit for Extra Payroll Loyalty Reward is

credited by the Card Company.

(i). “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.

(ii). “Electronic Payroll Arrangement” refers to the customer's employer crediting the customer's salary to customer's

Payroll Account through BOCHK or other banks' payroll system. Standing instruction, overseas remittance, local

electronic transfer, cheque or cash deposit will not be considered as “Electronic Payroll Arrangement”.

(iii). BOCHK reserves the absolute right to define the terms of “Salary”, “Electronic Payroll Arrangement” and “Single

Standing Instruction”.

(iv). Each Payroll Service Eligible Customer can enjoy this offer once only. If an Eligible Customers of Payroll Service

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

Customers can only enjoy the offer once.

(v). If the Payroll Account is a joint-name account, the holders of such account will be considered as one customer and

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

(vi). 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.

Payment Service Reward

(i). Eligible Customers of Payroll Service (“DDA Instruction Eligible Customers”) should (a) set up the New Direct Debit

Authorisation (“DDA”) instruction(s) with Savings or Current Account of BOCHK during the Payroll Service

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

merchants bills); and (b) conduct at least one transaction under such DDA instruction on a before 30 November 2016;

and (c) not have any DDA instruction set up on 31 March 2016. HK$100 Free Spending Credit will be credited to the

valid BOC Credit Card Accounts held by the DDA Instruction Eligible Customers on or before 28 February 2017.

(ii). If the Eligible Customer of DDA Instruction sets up DDA instruction(s) under a joint-name account, the holders of such

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

(iii). If Payroll Service is registered under joint-name, the DDA instructions should be under the same joint-name Savings or

Current Account.

(iv). The set up dates / transaction dates of the DDA instructions shall be based on BOCHK's record.

5. Securities Services Rewards:

The promotion period is from 1 April 2016 to 31 July 2016(both dates inclusive)(“Securities Services Reward Promotion

Period”).

Deposit Securities Offer

(i) 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 July2016 (both dates inclusive)(“Deposit Securities

Period”).

(ii) Customer who deposits Eligible Securities with designated market value during the Deposit Securities Period

(“Eligible Deposit Securities Customers”) can entitle to 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

(iii) 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.

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

rate determined by BOCHK.

(v) 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 Deposit Securities 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.

(vi) To entitle 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.

(vii) Free Spending Credit will be credited to the valid BOC Credit Card Account of Eligible Deposit Securities Customers on

or before 31 October 2016.

Monthly Stocks Savings Plan Transaction Fee Reduction Offer

(i) This offer is only applicable to the customers who set up Monthly Stocks Savings Plans via securities account

(including Family Securities Accounts) (“Eligible Securities Accounts”) maintained with BOCHK during the

Promotion Period, settle the first contribution payment successfully (including contribution payment settled via

securities settlement accounts or BOC Credit Cards) on or before 10 August 2016 (“First Eligible Co ntribution”) and

do not make any contribution on Monthly Stocks Savings Plan through the same Eligible Securities Account within 6

months preceding the date of the first contribution (“Eligible Monthly Stocks Savings Plan Customer”).

(ii) Eligible Monthly Stocks Savings Plan Customer can enjoy HK$50 transaction fee reduction for each month for the first

6 consecutive month contributions starting from the First Eligible Contribution. However, Eligible Monthly Stocks

Savings Plan Customer should pay the transaction fee first (transaction fee is equivalent to 0.25% of the monthly

contribution amount for each plan, including the brokerage fee, stamp duty, transaction levy and transaction

charge. The minimum monthly charge is HK$/RMB 50). The transaction fee reduction amount will be credited to the

settlement account of Eligible Monthly Stocks Savings Plan Customer within the 8th calendar month starting from the

First Eligible Contribution. If an Eligible Monthly Stocks Savings Plan Customer holds more than one settlement

account, BOCHK has the discretion to credit the transaction fee reduction amount to any one of the securities

settlement accounts. Eligible Monthly Stocks Savings Plan Customer should maintain the Eligible Securities Accounts

and the relevant settlement account at the time when the transaction fee reduction is credited, otherwise this offer will

be forfeited.

(iii) If an Eligible Monthly Stocks Savings Plan Customer terminates the Monthly Stocks Savings Plan or is unable to make

contribution within 6 months after making the First Eligible Contribution for any reason, this offer will be forfeited. The

Eligible Monthly Stocks Savings Plan Customer can still enjoy HK$50 monthly transaction fee reduction before the

offer is forfeited and the transaction fee reduction amount will be credited into the settlement account of Eligible

Monthly Stocks Savings Plan Customer within the 8th calendar month starting from the First Eligible Contribution.

However, if the customer sets up the Monthly Stocks Savings Plan again wit h the same Eligible Securities Account and

make contribution within the Monthly Stocks Savings Plan Promotion Period, he/she is not eligible for this offer again.

(iv) Each Eligible Monthly Stocks Savings Plan Customer can set up Monthly Stocks Savings Plans with more than one

Eligible Securities Account. However, each Eligible Securities Account can enjoy up to HK$300 transaction fee

reduction only.

6. Fund Rewards:

The promotion period is from 1 April 2015 to 30 June 2015 (both dates inclusive) (“Fund Reward Promotion Period”).

Subscription fee as low as 1%

(i) This offer is only applicable to customers who fulfill the following requirements during the Fund Reward Promotion

Period:

New Fund Customers – Customers who newly open fund account at BOCHK during the Fund Reward Promotion

Period and also do not held any fund account at BOCHK within 6 months preceding the fund account opening;

Selected Fund Customers – Customers who have opened fund account at BOCHK before the Fund Reward

Promotion Period but never conduct any fund subscription or switching transactions in past 6 months from the

date of fund transaction.

(ii) To enjoy subscription fee as low as 1%, the above-mentioned customers should be Wealth Management/ Enrich

Banking/ i-Free Banking customers who subscribe funds in a lump sum or perform fund switching between different

fund houses (Eligible Subscription Fee Offer Customers):

Integrated Account Service Subscription Fee Offer for first transaction as low as

Wealth Management, 1%

Enrich Banking 1.8%

i-Free Banking 2%

Each Eligible Subscription Fee Offer Customer can enjoy this offer once during the Fund Reward Promotion

Period.

Monthly Funds Savings Plan Offers

(i) This offer is only applicable to the customers who newly set up Monthly Funds Savings Plans in BOCHK during the

Promotion Period, and settle the first contribution payment successfully (inducting contribution payment settled via

fund settlement accounts or BOC Credit Cards) on or before 20 July 2016 (“First Eligible Contribution”) together with

contributions made for 6 consecutive months from the date of First Eligible Contribution. (“Eligible Subscription Fee

Reduction Customers").

(ii) Eligible Subscription Fee Reduction Customers are required to fully settle the subscription fee at the time of

subscription every month. The amount of subscription fee reduction will be calculated at a rate of 2% of the

aggregate amount of actual monthly contribution made in first 6 months (“Subscription Fee Reduction %"). See

below example for illustration purpose:

Assume monthly contribution

made (or its equivalent in

foreign currencies) (A)

Aggregate amount of monthly

contribution made in first 6 months (or

its equivalent in foreign currencies) (B)

(B)= (A) x 6

Subscription fee reduction amount (C)

(C)=(B) x Subscription Fee Reduction %

HK$3,000 HK$18,000 HK$300

HK$2,500 HK$15,000 HK$300

HK$1,800 HK$10,800 HK$216

HK$1,000 HK$6,000 HK$120

(iii) Subscription Fee Reduction will be credited automatically into the valid BOC Credit Card hold by Eligible Subscription

Fee Reduction Customers in form of Free Spending Credit in the 8th calendar month starting from the First Eligible

Contribution.

(iv) If an Eligible Subscription Fee Reduction Customer has terminated a Monthly Funds Savings Plan of the same fund

within the Fund Reward Promotion Period offer, this offer will be forfeited.

(v) Eligible Subscription Fee Reduction Customers should maintain the fund account and valid BOC Credit Card when the

Free Spending Credit is credited by the Card Company, otherwise this offer will be forfeited.

(vi) In case of joint name account holders, only one of the account holders will be entitled to this promotion offer. BOCHK

reserves the right to credit the Free Spending Credit to the valid BOC Credit Card Account held by any one of the joint

name account holders.

(vii) Each Eligible Subscription Fee Reduction Customer can enjoy up to HK$300 subscription fee reduction only.

(viii) For fund transactions denominated in foreign currencies, the relevant transaction amount will be converted into Hong

Kong Dollar on the basis of the prevailing exchange rate quoted by BOCHK at the close of the transaction day. BOCHK

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

(ix) If the Monthly Funds Savings Plan contribution amount is paid by BOC Credit Card, the BOC Credit Card Gift Points will

be converted at a rate of 1:1 (Each contribution HK$1 = 1 BOC Credit Card Gift Point). A maximum of 20,000 BOC

Credit Card Gift Points can be earned for each monthly contribution.

7. Foreign Exchange Reward：

The promotion period is from 6 April 2016 until 31 July 2016 (both dates inclusive) (“Foreign Exchange Reward Promotion

Period”).

To be eligible for up to 80 pips Currency 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 Wealth

Management / Enrich Banking service. (If Wealth Management / 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 Pips Offer

Wealth Management Enrich Banking

EUR 80pips 60pips

AUD、JPY 40pips 20pips

Customers can conduct foreign currency exchange at any branch or via Manned 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 currency exchange offer at any time at its sole discretion without prior notice.

8. Credit Card Reward:

The promotion period is from 1 April 2016 until 30 June 2016 (both dates inclusive) (“Credit Card Extra Welcome Offer

Promotion Period”).

During the Credit Card Extra Welcome Offer Promotion Period, the Credit card welcome offer of an extra HK$100 Free

Spending Credit is only applicable to customers who newly take up/upgrade to Integrate Account Service (including Wealth

Management /Enrich Banking /i-Free Banking) and are accepted by the Card Company as a main cardholder of a Wealth

Management Visa Infinite Card / Enrich Banking World MasterCard / BOC i-card respectively and having fulfilled a spending

requirement on the Wealth Management Visa Infinite Card / Enrich Banking World MasterCard / BOC i-card 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.

Applicants who are existing main cardholder of Wealth Management Visa Infinite Card / Enrich Banking World MasterCard /

BOC i-card, 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.

Extra HK$100 credit card spending credit will be credited to the valid Wealth Management Visa Infinite Card / Enrich Banking

World MasterCard / BOC i-card accounts held by the Credit Card Extra Welcome Offer Eligible Customer on or before 31

October 2016.

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 Wealth Management Visa Infinite Card and

take up Wealth Management / should still maintain the valid Enrich Banking World MasterCard and take up Enrich Banking /

should still maintain the valid BOC i-card and take up i-Free Banking when the Extra HK$100 credit card spending credit is to

be credited by the Card Company. Otherwise, the relevant offer will be forfeited and no other offer will be awarded in its

place.

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 b e 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 ful fil

the above requirements, BOCHK and the Card Company reserve the right to forfeit the relevant offer without prior notice.

9. Wealth Management Customer Referral Reward：

The promotion period is from 1 April 2016 to 30 June 2016 (both dates inclusive) (“Referral Reward Promotion Period”).

The Referrer must be a Wealth Management customer of BOCHK, and submits the completed referral form to any of BOCHK

branches during the Referral Reward Promotion Period.

The Referrer who successfully refers a relative or friend to newly take up or upgrade the existing account to Wealth

Management, and the referee has fulfilled the following requirements, the Referrer can enjoy a reward of HK$500 Free

Spending Credit (“Eligible Referrer”), without upper limit. The referee has to fulfil the following requirements:

(i) Newly take up or upgrade the existing account to Wealth Management (Applicable to sole-name account only) during

the Referral Reward Promotion Period and have not taken up or cancelled Wealth Management Service in sole-name

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

(ii) Fulfil “Total Relationship Balance” of HK$1 million in July 2016；

The amount of Wealth Management Customer Referral Reward for Eligible Referrer depends on the number of successful

referee, HK$500 Fee Spending Credit is granted for each successful referral of relative or friend, without upper limit.

Each referee can only be referred once during the Referral Reward Promotion Period. In the event that the referee is referred

by more than one existing Wealth Management customers, the Referral Reward will be forfeited.

BOCHK shall disclose the name of Referrer to the referee who inquires about the identity of the Referrer if BOCHK sees fit.

Self-referral will not be accepted for Wealth Management Customer Referral Reward.

Free Spending Credit will be credited to the valid BOC Credit Card Account of the Eligible Referrer on or before 31 October

2016.

If the Eligible Referrer is a sole-name account customer, 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 Eligible Referrer is joint-name account

customer, BOCHK will credit cash of equivalent value to settlement account of the aforesaid customer’s Wealth

Management Service settlement account without prior notice.

Eligible Referrer should still take up the Wealth Management Service when the reward is credited. Otherwise, this reward will

be forfeited.

Wealth Management Customer Referral Reward is limited and available on a first-come first-served basis while quota lasts.

10. BOC Credit Card Free Spending Credit:

Eligible HKD/ USD Time Deposit Reward Customers and /or TRB Growth Reward Eligible Customers and /or Travel Upgrade

Reward Eligible Customers and /or Eligible Customers of Payroll Service and /or DDA instruction Eligible Customers and/ or

Eligible Deposit Securities Customers and/ or Eligible Subscription Fee Reduction Customers and/ or Eligible Referrer

(“Eligible Customers”) should hold BOC Credit Card.

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.

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 Eligible Customers hold more than one BOC Credit Card, the Free Spending Credit will be credited to the highest tier BOC

Credit Card Account (the credit card tier in descending order is Visa Infinite Card, 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 Eligible 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 Eligible Customers cannot fulfil the above requirements, BOCHK and the Card Company reserve the right to

forfeit the relevant offer without prior notice.

11. “LET ME PLAY” Work Experience Workshop - The Little DJ

Enrollment period is from 18 April 2016 to 31 May 2016 (both dates inclusive) ( “Event Enrollment Period”)

Customers who fulfil the following requirements (“Event Eligible Customers”) have the chance to participate in the “Let

ME PLAY” Work Experience Workshop - The Little DJ (“Event”)：

(i) Have already taken up Wealth Management Service on 31 May 2016；and

(ii) With “Total Relationship Balance”of HK$1,000,000 or above in May 2016；and

(iii) Successfully enroll via the following methods during the Event Enrollment Period：

(1) Contact your Customer Relationship Manager；or

(2) Login Internet Banking (“Assistant”“e-Invitation”Select and register the Event)；or

(3) Call Promotion Hotline 3669 3911.

Each Event Eligible Customer can take one child to participate in the Event and enroll once (for one session) only. Holders of

a joint account will be considered as one customer. BOCHK reserves the right to cancel the eligibility of the customers who

have enrolled more than once.

If the number of enrollees exceeds the quota, a ballot will be conducted (“Event Participants”) in June 2016. The result of

the ballot will be announced on 14 June 2016 at www.bochk.com, and the Event Participants will be notified via mobile

phone SMS. The slots cannot be transferred.

Event Participants should still hold valid Wealth Management Service on the date of the Event. Otherwise, their eligibility for

participating in the Event will be forfeited.

Event date and time are subject to BOCHK’s announcement on 14 June 2016 at www.bochk.com

Event participants should inform BOCHK via Promotion Hotline 3669 3911 at least 5 working days before the date of

Event if he/ she cannot participate in the Event. Otherwise, BOCHK reserves the right to debit HK$500 from Event

Participant’s Wealth Management Service settlement account as an administration fee without prior notice

BOCHK may conduct photo shooting, video and sound recording during the Event, and all photos, the whole or part of the

contents of video and sound recording may be used by BOCHK later for internal record and/or commercial purposes.

If Gale/Storm Signal No. 8 or above or Black Rainstorm Warning is hoisted or expected to be hoisted by the Hong Kong

Observatory before 8:00am on the day of the Event, the Event will be postponed or cancelled. If Gale/Storm Signal No. 8 or

above or Black Rainstorm is cancelled by the Hong Kong Observatory before 8:00am on the day of the Event, the Event will

be held as scheduled.

The Event will be conducted in Cantonese.

12. Integrated Account Services:

Integrated Account Services: Wealth Management / Enrich Banking / i-Free 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

i-Free Banking HK$10,000 or above HK$60

i-Free Banking customers aged under 18 are eligible for the waiver of“Total Relationship Balance”requirement. When

the customers reach the age of 18, monthly service fee of i-Free Banking will be levied if the“Total Relationship Balance”

falls below the above designated amount. 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

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.

Investment services, Wealth Management and Enrich Banking are not applicable to customers aged below 18.

Multi-Currency Savings Account is not applicable to customers aged below 16.

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

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

feature of the alternative coupon/gift might be different from the original Gift/ Coupons.

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

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

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

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

conjunction with the use of Gift/ Coupons or services provided by the supplier(s).

BOCHK shall not be liable for loss, damage, defacement or stolen of the above Gift/ Coupons under any circumstances

(including at the time of mailing) and shall not reissue or replace any of them.

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 promotio n

materials or contact our branch staff.

BOCHK, the Card Company and Bank of China Group Insurance Company Limited ("BOCG Insurance") reserves 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.

In case of any dispute, the decision of BOCHK 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. 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. You should undertake

your own research and study before your trade or invest. You should carefully consider whether trading or investment is suita ble

in light of your own financial position and investment objective. You are advised to seek independent financial and professio nal

advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not

understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.

1. Risk Disclosure of 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 intere st

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.

2. 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 policie s

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 fro m 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. R MB

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.

3. 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 visit website of BOCHK www.bochk.com (Securities Trading Services and "Important Notice of Trading Shanghai A

Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect") or contact BOCHK’s staff.

4. 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.

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 thro ugh

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. Important Notes of Insurance:

BOC Worldwide Medical Insurance Plan and BOC Family Medical Insurance Plan are underwritten by Bank of China Group

Insurance Company Limited (“BOCG Insurance”).

BOCHK is an appointed insurance agent of BOCG Insurance for distribution of insurance plans and is not responsible for

any liability arising from the products. Insurance 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 Reso lution Scheme process with

the customer; however any dispute over the contractual terms of Insurance 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 the Insurance Plans based on the information

provided by the proposed Insured and insured person(s) at the time of application.

BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice. In case of any

dispute, the decision of BOCHK shall be final.

Insurance 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 solicitatio n of an offer or recommendation to purchase or

sale or provision of any products of BOCG Insurance outside Hong Kong.

6. Risk Disclosure of Fund Trading:

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 investment funds may go up as well

as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Part

of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but

you should not invest in these products unless the intermediary who sells them to you has explained to you that these products

are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making

any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk

acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the

relevant fund offering documents for further details including risk factors. If you have any inquiries on this Risk Disclosure

Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser.

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 diffe rent 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.

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.

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

subscription or sale of any investment product or service.

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