Student Credit Card Perpetual Annual Fee Waiver Years of Residence ^ E-mail Address OTHER INSTRUCTIONS Please provide an email address. Terms and Conditions and Relevant Documents will be delivered Application Form Y M to the email address provided. If during application processing there is no valid email address Settings of Correspondence Address/Statements: found from the records of either the Company or the Bank of China (Hong Kong), Terms and Conditions and Relevant Documents will be delivered to you by mail. Please set up my Correspondence Address using Residential Address Company Address

^ Hong Kong Residential Country/Region Area If you have registered for Internet Banking Services of Bank of China (HK) / Nanyang Commercial Bank / Tel. No. Code Code Please submit the completed application form with the supporting documents to BOC Credit Card Chiyu Bank or Online Services of the Card Centre, you will receive e-Statements of the credit card(s) (Int’l) Ltd., 3/F, Bank of China Centre, Olympian City, 11 Hoi Fai Road, West Kowloon. ^ Mobile Phone/ Country/Region Area approved under this application by default but not paper statements. You may change the statement Pager No. Code Code setting online anytime. Please note that e-Statement will be provided to you pursuant to the “Terms and Please complete in BLOCK Letters and put a3 “” in the appropriate box. Accommodation BOC Credit Card (International) Ltd. (“the Company”) will on the basis of your supporting documents make the Conditions for Online Services of BOC Credit Card (International) Limited”. You may refer to and read the final decision either to decline or approve your application and decide on the card type offered, including credit Private Property (Mortgaged) 2 Home Ownership Scheme Housing (Mortgaged) 3 Rented 6 said Terms and Conditions at the website of BOC Credit Card (www.bochk.com/creditcard). By activating limit, without notice. Monthly Installment / Rental: Singly Jointly HKD or using the approved BOC Credit Card, you are deemed to have accepted the said Terms and Conditions and agreed to be bound by them. Referral Branch / Dept. No. Staff No. 8 8 Self-owned (Not Mortgaged) 1 Public Housing / Tenants Purchase Scheme 5

ALL SC=193 RoadShow SC= Staff Tel. No. Relatives 4 Quarters / Others 7 ATM Screen Language : Chinese 1 English 2

Education University or above 01 Post Secondary 02 Secondary 03 CRC52 Promotion Period: From now until 31 December 2019 Primary 04 Others 05 Set-up opt-out of “Over-the-limit Facility” function TYPE OF CREDIT CARD APPLIED ^ Customers' contact information (including but not limited to mobile phone number and email address) may be used for notifying I request the Company to set up the parameters for my main and additional credit card(s) (if any) important matters relating to their credit card accounts. If the relevant contact information is not provided, you will not be able Apply the card simultaneously approved as a result of this application to decline over-the-limit transaction whenever it occurs so to receive important risk notifications from the Company and the service of your credit card may be affected. as to avoid any charge for Overlimit Handling Fee. BOC i-card BOC Dual Currency STUDENT INFORMATION If you wish to set-up opt-out of Over-the-limit Facility function for other BOC credit card account(s), 3 (502)(PM0983) Platinum Card please do so separately for each account. (504)(PM0955) University/School Name To find out more about the service terms for opting out of the “Over-the-limit Facility” function, please refer to the enclosed Terms and Conditions. The company shall make the final decision on the card type offered. CSET=M14

WELCOME OFFER SELECTION (for main card applicants only) Year of Graduation Card Collection: New credit card will be mailed to your correspondence address. You will be informed to Welcome offer is only applicable to new card applicants. Applicant may choose one welcome offer collect the new credit card at branch if it cannot be sent by post under certain circumstances. Please select only. Please refer to the Terms and Conditions of Welcome Offer attached. If the applicant does not PARENTS INFORMATION specify or choose more than one welcome offer, BOC Credit Card (International) Limited (“the card collection location if you choose to collect at branch. Company”) will select one for the applicant. Father Mother Bind BOCHK Credit Card WeChat Official Account and Bank of China (Hong Kong) spend with contactless / mobile payment transaction English Name to enjoy up to HK$200 spending credit offer(W8) or District Branch Code District Branch Code HK$200 Free Spending Credit(WA) or Chinese Name Bank of China (HK)-Hong Kong Island □ Mei Foo Mount Sterling Mall Branch 012566 HK$500 Free Spending Credit(W6) or □ Central District Branch 012349 □ Kwun Tong Plaza Branch 012601 # Employer’s Name “Interest-Free Cash Installment” Loan up to HK$80,000 □ Kennedy Town Branch 012560 □ Kowloon Bay Branch 012866 (Available to main card applicant only) (VP) □ 409 Hennessy Road Branch 012611 □ Yau Tong Branch 012785 Please fill in details as required below if opt for “Interest-Free Cash Installment”(AACCCCVC) Loan: □ Bank of China Tower Branch 012875 □ Lam Tin Branch 012815 Name of Receiving Bank: □ Central District (Wing On House) Branch 012916 □ Prince Edward Branch 012351 Account No.: Nature of Business □ Humphrey's Avenue Branch 012394 □ Causeway Bay Branch 012828 # The designated receiving bank account shall be a savings or current bank account with a □ Heng Fa Chuen Branch 012390 □ Mong Kok Branch 012586 bank in Hong Kong under the name of the Main Card applicant. Position Please provide a copy of □ Lee Chung Street Branch 012594 □ Yau Ma Tei Branch 012878 the monthly statement or the front page of the passbook of such bank account (copy must Country/Region Area □ Aberdeen Branch 012706 indicate clearly the name of the account holder and account number). Office/Mobile No. Code Code □ King's Road Branch 012737 Bank of China (HK)-NT □ North Point Branch 012891 I hereby acknowledge that the above person(s) has/have agreed to the disclosure of the above information. □ On Chee Road Branch 012571 PERSONAL DATA □ Kam Wa Street Branch 012882 □ Tai Po Branch 012591 □ Taikoo Shing Branch 012888 Name in English CONNECTED PARTIES □ 74 Tai Wai Road Branch 012608 As at the date of this application, are you one of the following persons or their relatives: director/ □ New Town Plaza Branch 012695 Formerly Used Name/Alias Chinese Name □ City One Sha Tin Branch 012565 (if applicable)(Please provide proof(s)) supervisor/chief executive/senior management and key staff/chairman of committee/head of department/ Bank of China (HK)-Kowloon head of branch/lending officer/controller (holdings 5% or more shareholding alone or together with □ Ma On Shan Plaza Branch 012805 Nationality □ Choi Hung Road Branch (San Po Kong) 012646 ID Card No. associates who are controllers) of BOCHK or Bank of China Ltd (including their subsidiaries and branches) □ HKUST Branch 012896 (Country/Region) (Please attach copy) □ Wong Tai Sin Branch 012567 or BOCHK’s subsidiaries, affiliates and other entities over which BOCHK is able to exert control or controller/ □ East Point City Branch 012814 minority shareholder controller/director/senior management and key staff of such subsidiaries, affiliates □ Choi Hung Branch (Ngau Chi Wan) 012758 Marital Status Single 1 Married 2 Divorced 3 Age □ Tsuen Wan Branch 012355 □ Diamond Hill Branch 012813 and other entities or being any firm, partnership or non-listed company which any of the aforesaid □ Kwai Cheong Road Branch 012802 persons or their relatives is/are able to control? Would any of your guarantors be any controller, minority □ Whampoa Garden Branch 012890 □ Metroplaza Branch 012742 Date of Birth DD/ MM/ YY Sex M F shareholder controller or director of BOCHK or their relatives? □ To Kwa Wan Branch 012918 □ Castle Peak Road (Tsuen Wan) 012880 □ 194 Cheung Sha Wan Road Branch 012352 ^ Residential Address (P.O. Box is not acceptable) No, I/We confirm that I am/we are not any of the above persons or their relatives. I/We undertake □ Kau Yuk Road Branch 012573 □ Sham Shui Po Branch 012552 to notify BOCHK and the Card Company promptly should my/our status change, i.e. I/we become □ Luen Wo Market Branch 012616 Room/Flat Floor Block one of the above persons or their relatives. □ Festival Walk Branch 012816 □ Sheung Shui Branch 012590 □ Kowloon Plaza Branch 012898 Yes, please complete the following information. □ Tuen Mun Town Plaza Branch 012889 Name of Building/Estate □ Castle Peak Road (Cheung Sha Wan) Branch 012923 Chinese Name English Name No. & Name of Street Company's Name

District HK 1 KLN 2 NT 3 China Location Code Nanyang Commercial Bank Chiyu Bank Branch □ My permanent address is different from the above (please provide permanent address proof) Department If you wish to have ATM facilities, please apply upon card collection at designated branch. 698CRC0001001 1/1 Relationship with Applicant DECLARATION OF CREDIT FACILITIES I/We have carefully read and fully understand the attached “Important Terms and Conditions of BOC Credit Card”, “Terms and Do you have any (Including all loan applications in processing) Secured Loan Products (except Self-residential Mortgage) under other Banks/Financial Institutions OR Unsecured Loan Products under Conditions of Promotional Offers”, “BOC Key Facts Statement”, Financial Institutions (except Banks)? “Terms and Conditions for opt-out of “Over-the-limit Facility” No Yes (Please fill in the below items if choose “yes”) function”, “Data Policy Notice” (or such others document(s) issued Total Other Secured Loan Monthly Instalment Amount (HKD)： $ under whatever name from time to time by BOC Credit Card Total Other Secured Overdraft O/S Amount (HKD)： $ (International) Limited and certain of its related entities relating to Total Other Unsecured Loan Monthly Instalment Amount (HKD)： $ their general policies on use, disclosure and transfer of personal data (as the same may be amended from time to time)), and Total Other Unsecured Revolving Credit O/S Amount (HKD)： $ agree to be bound by them (if applicable). YOUR SIGNATURE I/We understand that the Card Company does not engage with I/We declare that the above information is true and complete and any financial intermediary and the Card Company does not hereby authorize BOC Credit Card (International) Ltd (“the accept any credit card application referred to it by any financial Company”) to contact my/our employers, financial and credit intermediary or third party. I/We also confirm that my credit card reference institutions or any other credit or information source for application is not a referral by any financial intermediary or the verification thereof and for the collection of such information as third party, nor I/We have provided any personal information to required for the processing and evaluation of this application and, if my/our application is approved, for the operation of my/our financial intermediary or third party for procuring, negotiating, account(s).If I/we are the existing customer(s) of the Company obtaining or application of this credit card. and/or have previously supplied any data to the Company for application purpose, unless I/we provide further updated data in I do not wish BOC Credit Card (International) Limited to use my this application form, I/we confirm that all my/our existing records personal data in direct marketing via the following channel(s) and/or the supplied data are up-to-date. I/We further agrees to (please use “3” to select the channel(s)): notify the Company promptly in writing upon occurrence of any changes to that information, in any event not later than 30 days Electronic Channels Mail Personal Call after such change, and to provide certified copies of any If you return this Form without ticking any of the above boxes, replacement or documents (including supporting and other it means that you do not wish to opt-out from any form of BOC Credit documents required under any laws, regulations or guidelines Card (International) Limited (“the Company”)’s direct marketing. issued by any regulatory or tax authorities, if applicable). I/We To improve and provide more comprehensive services to our acknowledges that the Company has the right to rely on the customers, the Company may provide your personal data to information obtained or that comes to its knowledge from any other members of the Group* and other persons^ for their use source it may consider appropriate to update my/our existing in direct marketing of financial, insurance, credit card, securities, information and may require my/our confirmation if necessary. commodities, investment, banking and related services and I/We further authorize the Company to disclose any information products and facilities and so forth. Please tick “3” this box regarding me/us and/or this application and/or my/our account(s) if you do not wish the Company to provide your personal data with the Company confidentially to (i) the Company’s employees, to the above persons for the above purposes. agents and contractors for the purpose of processing and verifying * The “Group” means the Company and its holding companies, this application; (ii) third parties employed by the Company to branches, subsidiaries, representative offices and affiliates, provide services in connection with the operation of customer wherever situated. Affiliates include branches, subsidiaries, accounts (including credit check and debt collection service) and representative offices and affiliates of the Company’s holding marketing of account services; (iii) Bank of China (Hong Kong) companies, wherever situated. Limited and its subsidiaries; and (iv) any third party whose name or The above represents your present choice regarding whether or logo appears on the Card. not to receive direct marketing materials, and the Company’s I/We agree and understand that the data held by the Company intended provision of your personal data to other members of the relating to me/us may be transferred to other places (including Group* and other persons^ for their use in direct marketing. This places outside Hong Kong) at any time and from time to time replaces any choice communicated by you to the Company prior to where the Company deems necessary. this application. Please note that your above choice applies to the I/We hereby solemnly and sincerely declare that (i) I/We have not direct marketing of the classes of products, services and/or held any credit card that was cancelled by the issuer due to my/our subjects as set out in the Company’s Data Policy Notice. default in payment; (ii) I/We do not have any overdue payment ^ Please also refer to the said Notice on the kinds of personal exceeding 30 days in respect of any of my/our indebtedness data which may be used in direct marketing and the classes (including without limitation credit card, mortgage, personal loan of persons to which your personal data may be provided for and other financial arrangement); (iii) I/We have never been them to use in direct marketing. adjudged bankrupt, or made the subject of any bankruptcy or similar proceedings, or of any receiving or similar order, in Hong Kong or elsewhere; and (iv) I/We have carefully and conscientiously considered the status of my/our assets and liabilities. I/We have no intention to petition for my/our own bankruptcy or for any similar x order, or propose to enter into with my/our creditors any individual voluntary arrangement or similar arrangement, in Hong Kong or Signature of Main Card applicant(Please do not alter) Date elsewhere, nor do I/we see any reason why I/we should do so. (31/12/2019) CUSTOMER DECLARATION - MANDATORY FOR NON-HONG KONG NOTICE RESIDENT APPLYING FOR UNIONPAY DUAL CURRENCY CREDIT1. Applicant CARD must be 18 years of age or older and the students receiving full time tertiary education in Hong Kong. If the applicant I, being the main card applicant, declare that: Please “3” the appropriate item is not a holder of a Hong Kong Identity Card, the said applicant I am a non-Hong Kong resident, i.e. I am not a holder of Hong Kong MUST fill in the “Customer Declaration” part. Identity Card. I am not maintaining any dual currency card (including but not limited to main card and additional card) with the Company as2. Please submit the original application form and the supporting holder of Hong Kong Identity Card. documents and send it to any branches of BOC(HK), Nanyang Commercial Bank or Chiyu Banking Corporation Ltd. I am a non-Hong Kong resident, i.e. I am not a holder of Hong Kong Identity Card. However, I was previously a holder of Hong Kong3. Documents submitted (including this application form) will not be Identity Card, and in such identity/status applied dual currency returned. card(s) (including but not limited to main card or additional card) with the Company and am still maintaining it/them. 4. Should the applicant be a current BOC Main Cardholder, his/her The dual currency card account number(s) is/are: credit history and existing credit limit will be taken into consideration in the final approval and credit judgment. The credit limit should be shared among all HKD credit cards and UnionPay Dual Currency credit cards. I understand that the Company will only accept my dual currency card application either as Hong Kong resident or non-Hong Kong 5. Applicant understands the application and approval of the Credit resident, depending on whether I am a holder of Hong Kong Identity Card are subject to sections 85 of the Banking Ordinance Card. The Company will provide credit card services to me in (Cap.155), and the loan amount is determined by the final accordance with applicable regulatory requirements from time to approval decision of BOCHK. time, depending on my status as a Hong Kong resident or non-Hong 6. Remuneration of sales staff consists of fixed and variable components. Kong resident as declared by me. I hereby undertake that if I become The award of variable remuneration correlates in part with the staff's holder of Hong Kong Identity Card after the date of this declaration, performance in financial and non-financial factors. I shall as soon as practicable inform the Company of the change. 7. Please refer to BOC Credit Card (International) Limited Card User I understand that the Company will, upon receiving such notification, Circular. update its record and provide credit card services according to relevant regulatory requirements applicable to my status as Hong 8. The Company reserves the right to adjust the interest rate at Kong resident. I understand that the Company may at any time and any time. without giving any prior notice terminate or suspend my dual 9. No additional card will be offered to student card application. currency card(s) if I am or shall be in breach of my declaration and/or undertaking above, and the Company shall not be liable for any loss or claim in connection with or arising from such breach.

To avoid processing delay of your application, please enclose copy of the following documents: Please enclose a photocopy of Hong Kong Identity Card of the applicant (in A4 size, with enlarged image & in light colour). If an applicant does not have a Permanent Resident Hong Kong Identity Card, please provide together with a valid passport copy. If the applicant is non-Hong Kong resident, please provide a valid passport copy (if the applicant is a mainland resident, please provide a valid passport copy or an Exit-entry Permit for Travelling to and from Hong Kong and Macau, together with a copy of the Certification of the Place of Permanent Right of Abode) Student Card (Front and Back) Current 3-months’ residential address proof such as electricity bill,

Signature of Main Card applicant Date rates demand note, bank statement (if permanent address is (Please do not alter) different from the current residential address, please provide additional permanent address proof) Additional document(s) may be required for approval of the application. (The signature must correspond with the one above) New customersPerpetual Annual Fee Waiver TERMS & CONDITIONS OF PROMOTIONAL OFFERS WELCOME OFFER can enjoy the following exclusive 1. The promotion period runs from now until 31 December 2019 welcome offers (“Promotion Period”). Only applicant whose application is approved within the promotion period will be eligible for the welcome offer. WeChat ID: BOCHK_CC Bind Up to 2. There is no spending requirement for the BOC i-card applicant WeChat Official Account and who selects “Interest-Free Cash Installment” Loan (the “Loan”) as the welcome offer. The maximum Loan amount cannot exceed spend with contactless/mobile Free Spending △ HK$80,000 or 80% of the available credit limit of the relevant payment transaction to enjoy Credit card accounts (whichever is lower) whereas the minimum Loan amount is set at HK$3,000. The Loan shall be repaid by 9 equal monthly installments. BOC Credit Card (International) Limited or (“the Company”) has the right to make the final decision on the approved loan amount. Details of the Loan including, but not limited to, the approved amount, the loan tenor and the repayment period will be specified in a loan approval notification letter. Application for the Loan shall be subject to the “Terms and Accumulate spending of Conditions of Installment Program”. Any amount debited to the account in connection with the Loan shall not be counted towards HK$2,000 or above within the award of “Gift Points” or the “Cash Rebate” program. If no the first 2 months payment or payment of less than the outstanding balance of the relevant account is received by the Company on or before the payment due date, fees and charges at a rate as set out in the Fees Schedule shall be charged. Please refer to the Card or User Agreement, Terms and Conditions of Installment Program and the Fees Schedule for details. 3. Successful BOC i-card applicants, who select “HK$500 Free Spending Credit” or “HK$200 Free Spending Credit” as the Accumulate spending of welcome offer, are required to accumulate spending of designated HK$8,000 or above within amount in retail spending/ cash advance/ Cash Before Card/ posted amount of merchant installment program (“Spending”) the first 2 months (online Bill Payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such other transaction types designated by the Company from time to or time are excluded) within the first two months of card issuance in order to be eligible for the welcome offer. Customers who select “HK$500 Free Spending Credit” as the welcome offer are required to accumulate spending of HK$8,000 or above within “Interest-Free the first two months of card issuance; Customers who select “HK$200 Free Spending Credit” as the welcome offer are required Cash Installment” Loan to accumulate spending of HK$2,000 or above within the first up to HK$80,000 two months of card issuance. • Loan amount of up to HK$80,000 or 4. Successful BOC i-card applicants (“Eligible cardholder”) who have 80% of credit limit (whichever is lower) selected “Bind ‘BOCHK Credit Card’ WeChat Official Account • No spending requirement, up to and spend with contactless/ mobile payment transaction to enjoy 9-month repayment period up to HK$200 spending credit” as the welcome offer, have to • Extra cash for greater financial flexibility fulfill below requirements: • Bind BOCHK Credit Card WeChat Official Account: Eligible cardholders who have successfully applied for the BOC i-card ∆ Bind BOCHK Credit Card WeChat Official Account to enjoy the HK$100 are required to follow BOCHK Credit Card WeChat Official spending credit offer; and spend with contactless/ mobile payment Account (WeChat ID: BOCHK_CC) and bind the BOC i-card transaction and accumulate retail transactions valued at or over HK$300 with the BOCHK Credit Card WeChat Official Account via the for the HK$100 spending credit. Terms and Conditions are applicable. account binding function within the first two months of card (The above photos are for reference only. Terms and Conditions are applicable.) issuance in order to enjoy the HK$100 spending credit offer; and Promotion Period : From now until 31 December 2019 • Spend with contactless/ mobile payment: Eligible cardholders 10. The selection of the welcome offer once confirmed, it cannot be who have successfully applied for the BOC i-card are required altered or exchanged for cash or other gifts. to accumulate contactless/ mobile payment transactions 11. The Company reserves the right to offer an alternative gift (Including Mastercard contactless transactions and “Designated of equivalent or approximate value. Mobile Payment Method” * transactions) valued at or over 12. If multiple redemption of welcome offer has occurred or any of HK$300 within the first two months of card issuance to qualify the transactions to fulfill the spending requirement has been for the HK$100 spending credit. Person to person(P2P) fund refunded/cancelled for whatever reason or the main credit card transfer via mobile device/app/electronic platform, and any other account is cancelled within 12 months from card issuance, the category as may be defined by the Company at its sole Company reserves the right to debit the amount equivalent to discretion from time to time are excluded. the cost of the welcome offer of which the cost of “HK$500 Free * “Designated Mobile Payment Method”(refers to the contactless Spending Credit” is HK$500, “HK$200 Free Spending Credit” payment made with Applicable Card that has been provisioned is HK$200, “Bind BOCHK Credit Card WeChat Official Account on the designated mobile phone or device) includes Apple Pay, and spend with contactless/ mobile payment transaction to enjoy Google Pay, Samsung Pay, and/or WeChat Pay etc., please up to $200 spending credit” is HK$200 to the cardholder’s refer to the Company’s website for details. account without prior notice. 13. Free Spending Credit is meant exclusively for retail purchase 5. A main cardholders who has successfully applied for additional and cannot be used for cash advance, settlement of financial card(s) at the same time will be eligible for 25,000 Gift Points. charge or any previous outstanding balance accrued before the The accumulated spending of each additional card has to be at Free Spending Credit is credited. Free Spending Credit cannot be least of or over HK$2,000 for retail spending/ cash advance/ converted into cash or exchanged for other gifts and is non- Cash Before Card/ posted amount of merchant installment refundable and non-transferrable. plan (“the Spending”) (online Bill Payment, Octopus Automatic 14. Should two or more BOC Credit Cards and/or BOC Dual Currency Add Value Service, unposted installment repayment and such Credit Cards be successfully approved within the promotion other transaction types as may be designated by the Company period, the cardholder will be entitled to one gift only; If applicants from time to time are excluded) within the first two months of card have not specified their gift preference or have selected more issuance. Each main cardholder is entitled to a maximum of than one gift, the Company will make the final decision on their 225,000 Gift Points originated from additional cards. Each main behalf. If the credit cards are not applied at the same time, the gift cardholder can apply maximum nine additional cards. for the credit card first approved will be offered. 6. Applicants who are existing main cardholders of any BOC Credit 15. No person other than the cardholder and the company will have Card and/ or BOC Dual Currency Credit Card (Additional Card, any right under the Contracts (Rights of Third Parties) Ordinance Business Card, Commercial Card, Intown Virtual Card, BOC to enforce or enjoy the benefits of any of the provisions of these Great Wall International Credit Card, US Dollar Card, Credit terms and conditions. Card issued in Macau and Private Label Card are all excluded), 16. The Company reserves the right to change, suspend or terminate or have cancelled or have been holders of any of the above the welcome offers or amend their terms and conditions at its cards within 12 months prior to the date of application will not sole discretion without prior notice. be entitled to the welcome offer upon approval of the card 17. In case of any dispute(s), the decision of the Company shall application. be final. 7. If the additional card applicant currently holds any BOC Credit 18. In case of any discrepancy or inconsistency between the Chinese Card and/ or BOC Dual Currency Credit Card (including Main and English versions of these terms and conditions, the Chinese Card and Additional Card, but Business Card, Commercial version shall prevail and apply. Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit Card issued in Macau and Private Label Card are all excluded ), or have cancelled or have held any of the above card within 12 months prior to the date of application, the main cardholder will not be entitled to the additional card welcome offer highlighted in Clause 5. Reminder: To borrow or not to borrow? Borrow only if you can repay! 8. “HK$500 Free Spending Credit”, “HK$200 Free Spending Credit” and gift points will be credited to the main cardholders’ account Please Follow WeChat ID within 4 to 6 weeks after all spending requirement (if applicable) are fulfilled. The status of the relevant credit card account must BOC Credit Card be normal, valid and in good credit condition. 24-hour Promotion Hotline: 9. “Bind BOCHK Credit Card WeChat Official Account and spend 2108 3288 with contactless/mobile payment transaction to enjoy up to HK$200 spending credit” will be credited to the main cardholders’ account Website: within 16 to 18 weeks of card issuance upon fulfillment of all www.bochk.com/creditcard requirements (if any). The status of the credit card account being BOCHK_CC rewarded must be normal, valid and in good credit condition. Upon posting of free spending credit, the binding status of BOCHK Credit Card WeChat Official Account and the relevant credit card account must be maintained (if applicable). BOC Credit Card (International) Ltd is a member of BOCHK Group. . Youshall befullyliableforalllossesand damagesarisingoutof 9. Providedthatyouhaveactedingoodfaith andwithduecare 8. Youshallexercise reasonablecareandprecautionstokeepthe 7. Youshouldrepaytheoutstandingbalanceasshownon 6. Youwillreceiveastatementofaccountonmonthly orother 5. AllthedetailsofAPRsforretailspendingandcashadvances 4. YoushallnottransfertheCardtoanypersonorallow anypersonto 3. UseoftheCardisrestricted exclusivelytoyouforbonafide 2. ImmediatelyuponreceiptoftheCard,youshallsignCard 1. website (www.bochk.com/creditcard). (the “CardCompany”)inHongKongandontheCardCompany's principal placeofbusinessBOCCreditCard(International)Ltd. read thefullversionofUserAgreementwhichisavailableat on youaresummarisedbelowforyourparticularattention.Youshould (“User Agreement”)whichimposesignificantliabilitiesandobligations The importanttermsandconditionsoftheCreditCardUserAgreement IMPORTANT TERMS&CONDITIONSOFBOCCREDITCARD incurred asa resultthereof. liabilities and allreasonable costsand expenses reasonably practicable. Youshallfullyindemnify usagainst alllosses,damages, knowledge, orifyoufail to reportusas soonasreasonably use ofthe Cardinvolvesthe useofyourPIN withorwithout your actions underClause 7topreventfraud,orifthe unauthorised negligence, orhave failedtotakereasonablecare,precautions and of theCardand/or PINifyouhaveactedfraudulently orwithgross or inconnectionwith theloss,theft,unauthorizeduse ordisclosure time totime. exceed HKD500 or themaximumamountasnotified byusfrom (other thancashadvances)incurred priortoreportshallnot preventfraud), yourliabilityforallunauthorizedtransactions to (including takingtheprecautions andactionsunderClause7 disclosure oftheCardand/orPIN oranycounterfeitcard. occurrence ofanyloss,theft,suspected unauthorizeduseor soon asreasonablypracticable to usandthepoliceupon time toissuedbyusprevent fraud.Youshallreportas with theprocedures,instructionsand/or securityguidelinesfrom Card safeandthePINsecret usetheCardinaccordance date, anadditionallatechargeshall bepayablebyyou. specified intherelevantstatement onorbeforethepaymentdue charges. Ifwedonotreceivethe minimumpaymentamountas statement ontimetoavoidpaymentofinterestsandfinance shown onthestatementascorrect. statement. Otherwise,weshallbeentitledtotreatalltransactions or unauthorizedtransactionswithin60daysfromthedateof on thestatementcarefullyandnotifyusinwritingofanyerror the laststatement.Youshallexaminetransactionsshown periodic basis,exceptwherethereisnonewtransactionsince (www.bochk.com/creditcard). principal placeofbusinessinHongKongandonourwebsite in theUserAgreement.TheFeesScheduleisavailableatour fees andchargesaresetoutintheFeesSchedulereferredto use theCardorpledgeassecurityforwhateverpurposes. any illegalpurposesincludingpaymentfortransaction. and youshallnotusetheCardforanyotherpurposes,inparticular purchase ofgoodsand/orservicescashadvancesonly be boundbytheUserAgreement. conclusive evidenceofyouracceptanceandagreementto the Card,oruseactivationofCardshallconstitute and activateitaccordingtoourinstructions.Yoursignatureon Last update:May2018 Chinese versions,theEnglishversion shallprevail. If thereisanyinconsistencyorconflict betweentheEnglishand We may(inourdiscretion)changeanyofthe termsandconditions 16. In theeventofyourdefaultinrepaymentanyamountfrom 15. You irrevocablyauthorizeandinstructBank ofChina(HongKong) 14. You irrevocablyauthoriseustocombineandsetoffalloranyof 13. 12. Notwithstanding anythingcontainedintheUserAgreement Although anadditionalcardholderisliableonlyfortheoutstanding 11. Themaincardholdershallbeliabletousforanyandalltransactions 10. the CardinaccordancewithUser Agreement. If youdonotaccepttheproposed change,youmayterminate effective dateshallconstituteyour acceptanceofsuchchanges. take effect.Retentionorcontinued useoftheCardafter notice beforeanysignificantchange ofthetermsandconditions we will,wherepracticable,giveyou notlessthan60days’prior of theUserAgreementand/or FeesScheduleprovidedthat via legalprocess. and expensesreasonablyincurredbyusinenforcingrepayment appointment ofdebtcollectionagencies,andagainstalllegalcosts costs andexpensesreasonablyincurredinconnectionwiththe you toenforcerepayment.Youshallindemnifyusagainstall agencies and/orinstitutelegalproceedingsatanytimeagainst time todueus,weareentitledappointdebtcollection to theCardCompanywithoutpriornoticeuponourrequest. is maturedordueandpayable)forthesatisfactionofyourliability held singlyorjointlywithother,andwhethernotsuchamount the CardCompanycreditbalanceofsuchaccount(s)(whether Limited withwhichyoumayhaveaccount(s)todebitandpay your accountswithusatanytimeandfromtotime. sums duetousimmediatelyuponourdemand. regarding creditperiodgrantedtoyoubyus,shallrepayall due fromthemaincardholderand/orotheradditionalcardholders. payment tosettle(inwholeorinpart)theoutstandingbalances due fromhim/hertousshallbeirrevocablydeemedvoluntary by anadditionalcardholderinexcessoftheoutstandingbalance cardholder and/orotheradditionalcardholders.Anypaymentmade (at his/heroption)settletheoutstandingbalancesduefrommain balance duefromhim/hertous,suchadditionalcardholdermay through theuseofhis/heradditionalcard. effected andtheliabilitiesincurredbysuchadditionalcardholder an additionalcardholdershallbeliableonlyforthetransactions additional cardholdersthroughtheuseoftheirCardswhereas effected and/orliabilitiesincurredbythemaincardholderand

cidcbcHKD&DC(en)201805 . Ifacardholderdoes notopt 2. Once the instruction to opt-out of “Over-the-limit Facility” 1. . Ifthere isanyinconsistencyorconflictbetweentheEnglish 4. Ifacardholderneedstoapplyfor the opt-outof“Over-the-limit 3. . BOCDualCurrencyPlatinumCardwiththeUnionPay 2. 1.

of HK$180(perstatementcycle)willapply. recurring paymentandsoon)thennoOverlimitHandlingFee contactless transaction, in flight or cruise transactions or as, butnotlimitedto,OctopusAutomaticAddValueService, credit card(s)(ifany);unlesstheyareprocessedoffline(such transaction conducted on the relevant main and additional (International) Limited(the“Company”)willrejectanyoverlimit function hasbeenprocessedsuccessfully,BOCCreditCard English versionshallprevail. and theChineseversionsofthese termsandconditions,the further processing. Documents andfor Forms > Other Frequently Used Forms) (www.bochk.com/creditcard >Customer Services>Important Amendment Form” by visiting the Company’s website or downloada“BOCCreditCard CustomerInformation 24-hour CustomerServicesHotline at(852)28538828 Facility” function for other credit card(s), please call our “Combined Limit”amountspecified onthemonthlystatement. debited to the account whenever its balance exceeds the the saidcard.ThereuponanOverlimitHandlingFeewillbe to acceptandprocessanyoverlimittransactionconductedwith function asaforesaid,theCompanymayexerciseitsdiscretion www.unionpayintl.com/hk. the needofsignatureverification.Fordetails,pleasevisit to settleanytransactionofHK$/RMB QuickPass isaccepted.Simplytapthecardagainstreader hassle-free cardspendingworldwidewhereUnionPay QuickPass contactlesspaymentfunctionprovidesyouwith verification. Fordetails,pleasevisitwww.mastercard.com.hk. transaction ofHK$1,000orbelowwithouttheneedsignature payment. Simplytapthecardagainstreadertosettle merchants aroundtheworldthatacceptMastercardcontactless convenient andspeedypaymentserviceatoveramillion BOC i-cardcontactlesspaymentfunction,youcanenjoy OPT-OUT OF“OVER-THE-LIMITFACILITY”FUNCTION CONTACTLESS PAYMENTFUNCTION TERMS &CONDITIONSFOR out of“Over-the-limitFacility” ￥ 1,000 orbelowwithout

cidcbcOL(en)201812 DATA POLICY NOTICE 5. Failure to supply such data may result in the Company (l) complying with the obligations, requirements or being unable to open or continue accounts or establish or arrangements for disclosing and using data that 1. This Notice sets out the data policies of BOC Hong Kong continue banking facilities or provide financial, insurance, apply to the Company or any of its branches or (Holdings) Limited and its subsidiaries, including Bank of credit card, securities, commodities, investment, banking that it is expected to comply according to: China (Hong Kong) Limited, BOC Credit Card (International) and related services and products and facilities. (i) any law binding or applying to it within or outside Limited, BOC Group Life Assurance Company Limited, 6. Data relating to the data subjects are collected or received the Hong Kong Special Administrative Region Po Sang Securities and Futures Limited and BOCHK Asset by the Company from various sources from time to time. existing currently and in the future (e.g. the Inland Management Limited (each a “Company”, for as long as Such data may include, but not limited to, data collected Revenue Ordinance and its provisions including those such Company remains a subsidiary of BOC Hong Kong from data subjects in the ordinary course of the continuation concerning automatic exchange of financial account (Holdings) Limited and notwithstanding any change in the of the relationship between the Company and data subjects, information); name of the Company) in respect of their respective data for example, when data subjects write cheques, deposit (ii) any guidelines or guidance given or issued by any subjects (as hereinafter defined). The rights and obligations money, effect transactions through credit cards issued legal, regulatory, governmental, tax, law enforcement of each Company under this Notice are several and not or serviced by the Company or generally communicate or other authorities, or self-regulatory or industry joint. No Company shall be liable for any act or omission by verbally or in writing with the Company, and data obtained bodies or associations of financial services providers another Company. from other sources (for example, credit reference agencies). within or outside the Hong Kong Special Administrative 2. For the purposes of this Notice, the “Group” means the Data may also be generated or combined with other Region existing currently and in the future (e.g. Company and its holding companies, branches, subsidiaries, information, available to the Company or any member of guidelines or guidance given or issued by the Inland representative offices and affiliates, wherever situated. the Group. Revenue Department including those concerning Affiliates include branches, subsidiaries, representative 7. The purposes for which the data relating to the data subjects automatic exchange of financial account information); offices and affiliates of the Company’s holding companies, may be used are as follows: wherever situated. (iii) any present or future contractual or other commitment (a) assessing the merits and suitability of the data subjects with local or foreign legal, regulatory, governmental, 3. The term “data subject(s)”, wherever mentioned in this as actual or potential applicants for financial, insurance, Notice, includes the following categories of individuals : tax, law enforcement or other authorities, or credit card, securities, commodities, investment, banking self-regulatory or industry bodies or associations of and related services and products and facilities and/or (a) applicants for or customers, authorized signatories, policy financial services providers that is assumed by or holders, beneficiaries and other users of financial, processing and/or approving their applications, variation, imposed on the Company or any of its branches by insurance, credit card, securities, commodities, renewals, cancellations, reinstatements and claims; reason of its financial, commercial, business or other investment, banking and related services and products (b) facilitating the daily operation of the services, credit interests or activities in or related to the jurisdiction and facilities and so forth provided by a Company; facilities provided to and/or insurance policies issued of the relevant local or foreign legal, regulatory, (b) sureties, guarantors and parties providing security, to the data subjects; governmental, tax, law enforcement or other authority, guarantee or any form of support for obligations owed (c) conducting credit checks whenever appropriate or self-regulatory or industry bodies or associations; to a Company; (including, without limitation, at the time of application (m) complying with any obligations, requirements, policies, (c) directors, shareholders, officers and managers of any for credit and at the time of regular or special reviews procedures, measures or arrangements for sharing which normally will take place one or more times each corporate applicants and data subjects/users; and data and information within the Group and/or any other year) and carrying out matching procedures (as defined (d) suppliers, contractors, service providers and other use of data and information in accordance with any in the Ordinance); contractual counterparties of the Company. group-wide programmes for compliance with sanctions For the avoidance of doubt, “data subjects” shall not (d) creating and maintaining the Company’s scoring models; or prevention or detection of money laundering, terrorist include any incorporated bodies. The contents of this (e) providing reference; financing or other unlawful activities; Notice shall apply to all data subjects and form part of any (f) assisting other financial institutions to conduct credit (n) enabling an actual or proposed assignee of the contracts for services that the data subjects have or may checks and collect debts; Company, or participant or sub-participant of the enter into with the Company from time to time. If there is (g) ensuring ongoing credit worthiness of data subjects; Company’s rights in respect of the data subjects to any inconsistency or discrepancy between this Notice and (h) researching, customer profiling and segmentation evaluate the transaction intended to be the subject the relevant contract, this Notice shall prevail insofar as it of the assignment, participation or sub-participation; relates to the protection of the data subjects’ personal and/or designing financial, insurance, credit card, data. Nothing in this Notice shall limit the rights of the data securities, commodities, investment, banking and (o) comparing data of data subjects or other persons for subjects under the Personal Data (Privacy) Ordinance related services and products and facilities for data credit checking, data verification or otherwise producing (Cap. 486, Laws of Hong Kong) (the “Ordinance”). subjects’ use; or verifying data, whether or not for the purpose of taking adverse action against the data subjects; 4. From time to time, it is necessary for the data subjects to (i) marketing services, products and other subjects (please supply the Company with data in connection with the see further details in paragraph 10 below); (p) maintaining a credit history or otherwise, a record of opening or continuation of accounts and the establishment (j) determining amounts owed to or by the data subjects; data subjects (whether or not there exists any or continuation of banking facilities or provision of (k) enforcing data subjects’ obligations, including without relationship between data subjects and the Company) financial, insurance, credit card, securities, commodities, limitation the collection of amounts outstanding from for present and future reference; and investment, banking and related services and products data subjects and those providing security for data (q) purposes incidental, associated or relating to and facilities. subjects’ obligations; Paragraph 7. 8. Data held by the Company relating to data subjects will (j) (i) any member of the Group; by the data subject with credit providers in Hong Kong be kept confidential but the Company may provide (ii) third party financial institutions, insurers, credit Special Administrative Region, as borrower, mortgagor or and disclose (as defined in the Ordinance) such data to card companies, securities, commodities and guarantor respectively and whether in the data subject’s the following parties for the purposes set out in the investment services providers; sole name or in joint names with others, for sharing in the previous paragraph: (iii) third party reward, loyalty, co-branding and privileges consumer credit database of the credit reference agency (a) any agent, contractor or third party service provider programme providers; by credit providers (subject to the requirements of the who provides administrative, telecommunications, (iv) co-branding partners of the Company and the Code of Practice on Consumer Credit Data approved and computer, payment or securities clearing or other Group (the names of such co-branding partners can issued under the Ordinance). services to the Company in connection with the operation of its business, wherever situated; be found in the application form(s) for the relevant 10. USE OF DATA IN DIRECT MARKETING services and products, as the case may be); (b) any other person under a duty of confidentiality to the The Company intends to use the data subject’s data in direct Company including any member of the Group which (v) charitable or non-profit making organisations; and marketing and the Company requires the data subject’s has undertaken to keep such information confidential; (vi) external service providers (including but not limited consent (which includes an indication of no objection) for (c) the drawee bank providing a copy of a paid cheque to mailing houses, telecommunication companies, that purpose. In this connection, please note that: (which may contain information about the payee) to telemarketing and direct sales agents, call centres, (a) the name, contact details, products and services portfolio the drawer; data processing companies and information information, transaction pattern and behaviour, financial (d) any person making payment into the data subject’s technology companies) that the Company engages background and demographic data of the data subject account; for the purposes set out in paragraph (7)(i) above, held by the Company from time to time may be used by wherever situated. (e) any person receiving payment from the data subject, the Company in direct marketing; The Company may from time to time transfer the data the banker of such person and any intermediaries which (b) the following classes of services, products and subjects relating to the data subjects to a place outside the Hong Kong may handle or process such payment; may be marketed: (f) credit reference agencies, and, in the event of default, Special Administrative Region for the purposes set out in paragraph 7 above. (i) financial, insurance, credit card, securities, to debt collection agencies; commodities, investment, banking and related 9. With respect to data in connection with mortgages applied (g) any financial institutions, charge or credit card issuing services and products and facilities; companies, insurance company, securities and by the data subject (if applicable, and whether as a (ii) reward, loyalty or privileges programmes and related investment company with which the data subjects have borrower, mortgagor or guarantor and whether in the data services and products; or propose to have dealings; and any reinsurance and subject’s sole name or in joint names with others) on or after claims investigation companies, insurance industry 1 April 2011, the following data relating to the data subject (iii) services and products offered by the Company’s associations and federations and their members; (including any updated data of any of the following data co-branding partners (the names of such co-branding (h) any person to whom the Company or any of its branches from time to time) may be provided by the Company, on its partners can be found in the application form(s) for is under an obligation or otherwise required to make own behalf and/or as agent, to a credit reference agency: the relevant services and products, as the case disclosure under the requirements of any law binding (a) full name; may be); and on or applying to the Company or any of its branches, (b) capacity in respect of each mortgage (as borrower, (iv) donations and contributions for charitable and/or or any disclosure under and for the purposes of any mortgagor or guarantor, and whether in the data non-profit making purposes; guidelines or guidance given or issued by any legal, subject’s sole name or in joint names with others); (c) the above services, products and subjects may be regulatory, governmental, tax, law enforcement or other (c) identity card number or travel document number; provided or (in the case of donations and contributions) authorities, or self-regulatory or industry bodies or solicited by the Company and/or: associations of financial services providers with which (d) date of birth; the Company or any of its branches are expected to (e) correspondence address; (i) any member of the Group; comply, or any disclosure pursuant to any contractual or (f) mortgage account number in respect of each mortgage; (ii) third party financial institutions, insurers, credit card other commitment of the Company or any of its branches (g) type of the facility in respect of each mortgage; companies, securities, commodities and investment with local or foreign legal, regulatory, governmental, tax, (h) mortgage account status in respect of each mortgage (e.g., services providers; law enforcement or other authorities, or self-regulatory active, closed, write-off (other than due to a bankruptcy (iii) third party reward, loyalty, co-branding or privileges or industry bodies or associations of financial services programme providers; providers, all of which may be within or outside the order), write-off due to a bankruptcy order); and Hong Kong Special Administrative Region and may be (i) if any, mortgage account closed date in respect of (iv) co-branding partners of the Company and the Group existing currently and in the future; each mortgage. (the names of such co-branding partners can be (i) any actual or proposed assignee of the Company or The credit reference agency will use the above data found in the application form(s) for the relevant participant or sub-participant or transferee of the supplied by the Company for the purposes of compiling a services and products, as the case may be); and Company’s rights in respect of the data subject; and count of the number of mortgages from time to time held (v) charitable or non-profit making organisations; (d) in addition to marketing the above services, products 12. In the event of any default of payment relating to an account, Po Sang Securities and Futures Limited and subjects itself, the Company also intends to provide unless the amount in default is fully repaid or written off The Data Protection Officer the data described in paragraph 10(a) above to all or any (other than due to a bankruptcy order) before the expiry of Po Sang Securities and Futures Limited 60 days from the date such default occurred, the account of the persons described in paragraph 10(c) above for 1/F, Wing On House use by them in marketing those services, products and repayment data (as defined in paragraph 11(e) above) 71 Des Voeux Road Central subjects, and the Company requires the data subject’s may be retained by the credit reference agency until the Hong Kong written consent (which includes an indication of no expiry of five years from the date of final settlement of the objection) for that purpose; amount in default. Facsimile: +852 2854 1955 If a data subject does not wish the Company to use or 13. In the event any amount in an account is written-off due to a bankruptcy order being made against the data subject, BOCHK Asset Management Limited provide to other persons his/her data for use in direct the account repayment data (as defined in paragraph marketing as described above, the data subject may The Data Protection Officer 11(e) above) may be retained by the credit reference exercise his/her opt-out right by notifying the Company. BOCHK Asset Management Limited agency, regardless of whether the account repayment data 5/F, Bank of China Building 11. Under and in accordance with the terms of the Ordinance reveal any default of payment lasting in excess of 60 days, 2A Des Voeux Road Central and the Code of Practice on Consumer Credit Data, any until the expiry of five years from the date of final settlement data subject has the right: of the amount in default or the expiry of five years from the Hong Kong Facsimile: +852 2532 8216 (a) to check whether the Company holds data about him/ date of discharge from a bankruptcy as notified by the data her and of access to such data; subject with evidence to the credit reference agency, whichever is earlier. (b) to require the Company to correct any data relating to 16. The Company may have obtained a credit report on the him/her which is inaccurate; 14. In accordance with the terms of the Ordinance, the Company data subject from a credit reference agency in considering has the right to charge a reasonable fee for the processing any application for credit. In the event that the data (c) to ascertain the Company's policies and practices in of any data access request. relation to data and to be informed of the kind of subject wishes to access the credit report, the Company personal data held by the Company; 15. The persons to whom requests for access to data or will advise the contact details of the relevant credit correction of data or for information regarding policies reference agency. (d) to be informed on request which items of data are and practices and kinds of data held are to be addressed routinely disclosed to credit reference agencies or debt 17. If there is any inconsistency between the English version are as follows: collection agencies, and be provided with further and the Chinese version of this Notice, the Chinese information to enable the making of an access and version shall prevail in relation to any matters arising in the Bank of China (Hong Kong) Limited correction request to the relevant credit reference Mainland China exclusive of the Hong Kong Special The Data Protection Officer agency or debt collection agency; and Administrative Region, and the English version shall prevail Bank of China (Hong Kong) Limited in relation to any matters arising in the Hong Kong Special (e) in relation to any account data (including, for the Bank of China Tower avoidance of doubt, any account repayment data) Administrative Region and elsewhere. 1 Garden Road which has been provided by the Company to a credit Hong Kong reference agency, to instruct the Company, upon January 2019 bpmHKD&DC(en)201901 Facsimile: +852 2826 6860 termination of the account by full repayment, to make a request to the credit reference agency to delete BOC Credit Card (International) Limited such account data from its database, as long as the The Data Protection Officer instruction is given within five years of termination and at no time was there any default of payment in relation BOC Credit Card (International) Limited to the account, lasting in excess of 60 days within 20/F, BOC Credit Card Centre five years immediately before account termination. 68 Connaught Road West Hong Kong Account repayment data include amount last due, amount of payment made during the last reporting Facsimile: +852 2541 5415 period (being a period not exceeding 31 days immediately preceding the last contribution of account data by the BOC Group Life Assurance Company Limited Company to a credit reference agency), remaining The Data Protection Officer available credit or outstanding balance and default BOC Group Life Assurance Company Limited data (being amount past due and number of days past 13/F, Cityplaza One due, date of settlement of amount past due, and date 1111 King's Road Taikoo Shing of final settlement of amount in default lasting in Hong Kong excess of 60 days (if any)). Facsimile: +852 2522 1219 BOC Credit Card Key Facts Statement Overdue APR the occurrence of the Triggering Event Interest Rates and Interest Charges for Retail until the statement date of the statement Spending / Cash first issued after cessation of the Annualized Maximum 35.70%* for retail spending / Advance Triggering Event. All preferential interest Percentage Rate 37.96%* for cash advance when you (continue) rate applicable to the account will be (APR) for open your account and it will be reviewed suspended until such time as the Retail Spending / from time to time. Overdue Interest Rate ceases to apply. Cash Advance No interest will be payable if the outstanding balance is paid in full Interest Free Period Up to 56 days on or before the due date. If no payment or payment of less than the Minimum Payment HK$230/CNY230 (where applicable outstanding balance is made on or for HKD or CNY account respectively) or before the due date, interest will be the summation of item (i) to (iv) (whichever charged on a daily basis at the then is higher). prevailing interest rate (that is to say, (i) total outstanding billed interest, fees an interest-free period of 26 days from the date of the statement will not and charges; (ii) any overdue minimum be available). Interest will be charged payment amount from previous monthly on (1) the unpaid balance from the statement (where applicable); (iii) total of date of the statement until payment is over-limit amount (where applicable) made in full thereof and (2) the (excluding items (i) and (ii) above); and (iv) amount of each new transaction (i.e. 1% of the remaining principal balance a transaction occurring at any time (excluding items from (i) to (iii) above). after the last transaction as shown in the statement, or at any time before Major Fees that last transaction which has not Main Card Additional Card been debited to the cardholder’s Annual Fee (per annum) (per annum) account and shown in the statement) Visa Infinite Card from the date of that new transaction until payment is made in full thereof UnionPay Diamond (a minimum charge of HK$5 / CNY5 Prestige Card / (where applicable for HKD or CNY UnionPay Diamond HK$3,800 HK$1,900 account respectively) is imposed). Card Such charge will be recorded in the World MasterCard next statement. Visa Signature Card HK$2,000 HK$1,000 Overdue APR If you have not made any payment or for Retail you have made a payment of less than Platinum Card^ HK$1,600 HK$800 Spending / Cash the minimum payment on or before the Advance relevant due date on two or more Titanium Card HK$550 HK$275 occasions in respect of 12 consecutive statements (“Triggering Event”), we will Classic Card HK$220 HK$110 charge overdue interest rate (“Overdue Interest Rate”) at an additional rate Private Label Card HK$220 HK$110 of 4% over the basic interest rate Commercial Card applicable to the outstanding balance in your credit card account (bringing Visa Infinite Card HK$3,800 N.A. the APR to a maximum of 38.62%* (for retail spending) and 41.12%* (for cash advance)). If a Triggering Platinum Card HK$1,600 N.A. Event occurs, we will charge the Overdue Interest Rate during the period Gold Card HK$480 N.A. from the day following the statement date of the statement first issue after Classic Card HK$220 N.A. Cash Advance Hong Kong Dollar Credit Card Late Charge 5% of the minimum payment amount Handling Fee Hong Kong: (subject to a minimum of HK$230 / • 4% plus HK$20 (HK$25 CNY230) or equivalent to the through PLUS / CIRRUS ATM) per minimum payment amount of your last transaction statement, whichever is lower; and a Outside Hong Kong: maximum of HK$280 / CNY280) • 4% plus HK$20 (HK$25 (where applicable for HKD or CNY through PLUS / CIRRUS ATM) per account respectively) transaction

Overlimit UnionPay Dual Currency Credit Card Handling Fee HK$180 per statement period HKD Account: • 4% plus HK$20 per transaction Returned Cheque & HK$100 / CNY100 per CNY Account: Rejected Autopay transaction (where applicable for HKD • 4% plus CNY20 per transaction Charge or CNY account respectively) made in Hong Kong • 4% plus CNY25 per transaction Please visit the website of BOC Credit Card (International) Ltd. made in the mainland at www.bochk.com/creditcard for full version of relevant Credit Card Fees Schedule and User Circular.

Remark: Remarks: Subject to a minimum of HK$100 / CNY100 (where applicable for HKD * 1. The Annualized Percentage Rate (APR) is computed in or CNY account respectively) accordance with the guidelines laid down in The Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other fees and charges Fees relating to of every transaction effected in a 1.95% of a product expressed as an annualized rate. Foreign Currency currency other than Hong Kong Dollars Transactions ^ 2. Annual fee of BOC HKUST Platinum Card is HK$600 Fee relating to Settling Foreign Currency (Applicable to Transaction in Hong Kong Dollars for main card and HK$300 for additional card. Hong Kong Dollar 3. BOC Credit Card (International) Ltd. reserves the right to Credit Card only) You may sometimes be offered the option vary the fees and charges from time to time by notice to to settle foreign currency transactions in customers. The fees and charges for other card products Hong Kong dollars at the point of sale and/or services may be separately published. overseas. Such option is a direct arrangement offered by the overseas 4. The English version of this notice shall prevail whenever merchants and not the card issuer. In there is any discrepancy between the English and the such cases, you are reminded to ask the Chinese versions.

merchants for the foreign currency 5. Virtual Card can enjoy annual fee waiver. Cidcbckfs201812 exchange rates and the percentage of handling fees to be applied before the transactions are entered into since settling foreign currency transactions in Hong Kong dollars may involve a cost higher than the foreign currency transaction handling fee. For transactions settled in Hong Kong dollars and made outside Hong Kong via MasterCard / VISA Credit Card, we will charge a markup of 0.95% / 0.8% respectively; while for such transactions via UnionPay Dual Currency Credit Card, we will not charge any further markup.