BOC HKGCC VISA Card Perpetual Annual Fee Waiver Hong Kong Residential Country Area OTHER INSTRUCTIONS Application Form Tel. No. Code Code

Signature of Main Card applicant(Please do not alter) Date Mobile Phone/ Country Area Please send statement to : Residential Address Company Address Pager No. Code Code ATM Screen Language : Chinese 1 English 2 Accommodation Private Property (Mortgaged) 2 Home Ownership Scheme Housing (Mortgaged) 3 Rented 6 Please submit the completed application form with the supporting documents to BOC Credit Card The address selected above will be used as your correspondence address in the event your application (Int’l) Ltd., 3/F, Bank of China Centre, Olympian City, 11 Hoi Fai Road, West Kowloon. Monthly Installment / Rental: Singly Jointly HKD is approved.

Referral Branch / Dept. No. 012 Self-owned (Not Mortgaged) 1 Public Housing / Tenants Purchase Scheme 5 Relatives 4 Quarters / Others 7 Set-up opt-out of “Over-the-limit Facility” function Staff No. 0 0 Education University or above 01 Post Secondary 02 Secondary 03 I request the Company to set up the parameters for my main and additional credit card(s) (if any) SC=390 RoadShow SC approved as a result of this application to decline over-the-limit transaction whenever it occurs so Primary 04 Others 05 CIN record checked:□ No SP / □ Yes with SP, please specify: as to avoid any charge for Overlimit Handling Fee. Please complete in BLOCK Letters and put a “3” in the appropriate box. If you wish to set-up opt-out of Over-the-limit Facility function for other BOC credit card account(s), BOC Credit Card (International) Ltd. (“the Company”) will on the basis of your supporting documents make the JOB INFORMATION final decision either to decline or approve your application and decide on the card type offered, including credit please do so separately for each account. limit, without notice. A full time student applicant should complete a “BOC Credit Card Student Application Employed by (non-contract) Self-Employed Contract (Date of Termination of contract ) Form” (this application form is not applicable for full time students). To find out more about the service terms for opting out of the “Over-the-limit Facility” function, please Housewife Retired Others refer to the enclosed Terms and Conditions. CRC52 Promotion Period: From now until 30 June 2014 Employer/Company Name in English Card Collection: BOC Credit Card collection letters will be sent to you separately. Please select collection BOC HKGCC VISA CARD APPLIED (Please select one card type only) location as follows: If applicant is existing BOC Credit Card cardholder; your new credit card will be mailed Employer/Company Name in Chinese to your corresponding address which has registered in your BOC Credit Card account accordingly.

Employer/Company Address in English Bank of China (Hong Kong) District Branch Code District Branch Code Room/Flat Floor Block Bank of China (HK)-Hong Kong Island □ Kwun Tong Plaza Branch 012601 □ 177 Ngau Tau Kok Road Branch 012651 Name of Building □ Central District Branch 012349 □ Kennedy Town Branch 012560 □ Kowloon Bay Branch 012866 Gold Card (101) Classic Card (301) □ 409 Hennessy Road Branch 012611 □ Yau Tong Branch 012785 □ Lam Tin Branch 012815 Annual Income Required Annual Income Required No. & Name of Street □ Bank of China Tower Branch 012875 HK$48,000 HK$48,000 □ Central District (Wing On House) Branch 012916 □ Prince Edward Branch 012351 □ Causeway Bay Branch 012828 □ Humphrey's Avenue Branch 012394 District HK 1 KLN 2 NT 3 □ Heng Fa Chuen Branch 012390 □ Mong Kok Branch 012586 □ Lee Chung Street Branch 012594 □ Yau Ma Tei Branch 012878 Company Country Area □ Aberdeen Branch 012706 Ext. Tel. No. Code Code □ King's Road Branch 012737 Bank of China (HK)-NT □ North Point (Kiu Fai Mansion) Branch 012777 □ On Chee Road Branch 012571 □ Kam Wa Street Branch 012882 Monthly Salary (HKD) Business Nature □ Tai Po Branch 012591 I will not accept a Classic Card if my application not meeting Gold Card requirements. □ Taikoo Shing Branch 012888 (This application will be considered as an application for Classic card Card if “3” is not marked) CSET=M14 □ 74 Tai Wai Road Branch 012608 □ New Town Plaza Branch 012695 Position Years of Service Y M Bank of China (HK)-Kowloon □ City One Sha Tin Branch 012565 □ Ma On Shan Plaza Branch 012805 □ Wong Tai Sin Branch 012567 Perpetual Annual Fee Waiver □ HKUST Branch 012896 RELATIONSHIP WITH HKGCC □ San Po Kong (Wing Lok Building) Branch 012779 ADDITIONAL CARD APPLICANT for each Additional Card Applicant □ East Point City Branch 012814 □ Choi Hung Branch 012758 When applying for more than 1 Additional Card, please make copy of this &form. 25,000 Gift Points □ Tsuen Wan Branch 012355 Staff (0471) Each one must be signed by the Main Card applicant and returned altogether.for each Main Card Applicant □ Diamond Hill Branch 012813 □ Kwai Cheong Road Branch 012802 □ Whampoa Garden Branch 012890 (need to fulfill Spending requirement) □ Metroplaza Branch 012742 Full time staff of Company Member/Individual Associate (0472) Additional Card applicant must be 16 years of age or older. □ To Kwa Wan Branch 012918 If main card applicant is a student, no additional card will be offered. □ Castle Peak Road (Tsuen Wan) 012880 □ 194 Cheung Sha Wan Road Branch 012352 Please provide copy of staff card/Membership Card. The additional card type applied for must be the same as the Main Card. □ Kau Yuk Road Branch 012573 □ Sham Shui Po Branch 012552 □ Luen Wo Market Branch 012616 □ Festival Walk Branch 012816 □ Sheung Shui Branch 012590 □ Kowloon Plaza Branch 012898 PERSONAL DATA Name in English □ Tuen Mun Town Plaza Branch 012889 □ Castle Peak Road (Cheung Sha Wan) Branch 012923 □ Mei Foo Mount Sterling Mall Branch 012566 Name in English Formerly Used Name/Alias Chinese Name (if applicable)(Please provide proof(s)) Formerly Used Name/Alias ID Card No. Nanyang Commercial Bank Chiyu Bank Chinese Name Nationality Branch (if applicable)(Please provide proof(s)) (Please attach copy) If you wish to have ATM facilities, please apply upon card collection at designated branch. ID Card No. Nationality Company Name (Please attach copy) (Please fill in if applicable) RELATIONSHIP WITH THE COMPANY Marital Status Single 1 Married 2 Divorced 3 Age Contact/Mobile Country Area Phone No. Code Code Is the main card applicant and/or the additional card applicant a relatives of any of the director/CEO/credit Date of Birth DD/ MM/ YY Sex M F Relationship with officer of the BOC Credit Card (International) Ltd “( the Company”) or any of its subsidiaries or of the the Applicant Bank of China (HK) Ltd or any of its subsidiaries and/or holding companies? Residential Address (P.O. Box is not acceptable) If Additional Card’s residential address is different from the Main Card, please provide Additional Card applicant’s residential address proof If permanent address is different from the current residential address, please provide additional permanent address proof Yes (Please state his/her details below) Room/Flat Floor Block Additional Card Monthly Credit Limit Out of my personal card "credit limit" as approved by the Company for my main card*, I wish to allocate HKD______, Name of Director/Employee Relationship Name of Building/Estate subject to absolute discretion of the Company, as an upper credit limit for the aggregate amount of retail and cash advance spending for the above additional card(s) for each statement cycle (i.e. "Monthly Credit Limit") Company Name * If the main cardholder does not prescribe a Monthly Credit Limit for the additional cardholder(s), it means one "credit limit" will No. & Name of Street be shared jointly by the main and the additional cardholders. Credit limit will be rounded up to the nearest thousand and expressed in terms of thousands. If the approved additional card monthly credit limit is lower than the one proposed by the main card applicant, the lower limit will apply. BOC Credit Card (International) Ltd/any of its Bank of China (HK) Ltd/any of its District HK 1 KLN 2 NT 3 subsidiaries and/or holding companies subsidiaries and/or holding companies Terms and Conditions for Monthly Credit Limit : 1.Without prejudice to any other terms and conditions □ My permanent address is different from the above (please provide permanent address proof) regulating the use of credit limit assigned to a Card, the Cardholder (including the Main Cardholder and Additional Department Position Cardholder, if applicable) shall strictly observe the monthly credit limit pre-set for each statement period from No I hereby certify that I am not a relative of any of the director/employee of Bank of China (HK) Ltd. Years of Residence E-mail Address time to time. The Cardholder shall not use the Card in excess of such monthly credit limit. Breach of this Clause (Optional) shall not in any way reduce or discharge the liability of the Cardholder for payment of any Charge arising as I undertake to advise Bank of China (HK) Ltd without delay if and when I become a relative of any Y M To receive promotional materials from the Company by e-mail, please fill in this part. a result of such breach. 2.The monthly credit limit will be reset on the first day of each statement period. director/employee of Bank of China (HK) Ltd after submission of this signed application form. YOUR SIGNATURE and its subsidiaries; and (iv) any third party whose name or logo appears on the Card. I/We agree and understand that the data held by To avoid processing delay of your application, please enclose copy I do not wish BOC Credit Card (International) Limited to use my the Company relating to me/us may be transferred to other places of the following documents: personal data in direct marketing via the following channel(s) (including places outside Hong Kong) at any time and from time to Please enclose a photocopy of Hong Kong Identity Card of the (please use “3” to select the channel(s)): time where the Company deems necessary. I/We hereby solemnly Main and the Additional Card (if applicable) applicant(s) (in A4 Electronic Channels Mail Personal Call and sincerely declare that (i) I/We have not held any credit card size, with enlarged image & in light colour). If an applicant does that was cancelled by the issuer due to my/our default in payment; not have a Permanent Resident Hong Kong Identity Card, please If you return this Form without ticking any of the above boxes, provide together with a valid passport copy. If the applicant is it means that you do not wish to opt-out from any form of BOC Credit (ii) I/We do not have any overdue payment exceeding 30 days in respect of any of my/our indebtedness (including without limitation non-Hong Kong resident, please provide a valid passport copy Card (International) Limited (“the Company”)’s direct marketing. (if the applicant is a mainland resident, please provide a valid credit card, mortgage, personal loan and other financial arrangement); To improve and provide more comprehensive services to our passport copy or an Exit-entry Permit for Travelling to and from (iii) I/We have never been adjudged bankrupt, or made the subject customers, the Company may provide your personal data to Hong Kong and Macau, together with a copy of the Certification other members of the Group* and any other persons for their of any bankruptcy or similar proceedings, or of any receiving or of the Place of Permanent Right of Abode); similar order, in Hong Kong or elsewhere; and (iv) I/We have use in direct marketing of financial, insurance, credit card, Staff Card or Membership Card of the card applicant carefully and conscientiously considered the status of my/our assets securities, commodities, investment, banking and related services Current 3-month residential address proof, e.g. electricity bill, and liabilities. I/We have no intention to petition for my/our own and products and facilities and so forth. Please tick “3” this box rates demand note, bank statement (if permanent address is if you do not wish the Company to provide your personal data bankruptcy or for any similar order, or propose to enter into with different from the current residential address, please provide to the above persons for the above purposes. my/our creditors any individual voluntary arrangement or similar additional permanent address proof), arrangement, in Hong Kong or elsewhere, nor do I/we see any * The “Group” means the Company and its holding companies, If Additional Cards residential address is different from the Main branches, subsidiaries, representative offices and affiliates, reason why I/we should do so. I/We have carefully read and fully Card, please provide Additional Card applicant's residential wherever situated. Affiliates include branches, subsidiaries, understand the attached “Important Terms and Conditions of BOC address proof (if permanent address is different from the representative offices and affiliates of the Company’s holding Credit Card”, terms and conditions of promotional offers, “BOC Key current residential address, please provide additional permanent companies, wherever situated. Facts Statement”, “Terms and Conditions for opt-out of address proof), The above represents your present choice regarding whether or “Over-the-limit Facility” function”, “Data Policy Notice” (or such Bank statement/passbook showing your name, account number not to receive direct marketing materials, and the Company’s others document(s) issued under whatever name from time to time and the latest 2 months' salary or the latest month salary proof or intended provision of your personal data to other members of the by BOC Credit Card (International) Limited and certain of its related the latest Tax Demand Note, Group* for their use in direct marketing. This replaces any choice entities relating to their general policies on use, disclosure and Latest 2 months’ bank deposit documents and other asset proof communicated by you to the Company prior to this application. transfer of personal data (as the same may be amended from time for non-working applicant, Please note that your above choice applies to the direct marketing to time)), and the Terms and Conditions relating to Monthly Credit Business Registration Certificate and the latest tax return for sole of the classes of products, services and/or subjects as set out in Limit respectively and agree to be bound by them (if applicable). proprietor or a partner in a business. the Company’s Data Policy Notice. Please also refer to the said Additional document(s) may be required for approval of the Notice on the kinds of personal data which may be used in direct Signature of Main Card applicant Signature of Additional Card applicant application. marketing and the classes of persons to which your personal data (Please do not alter) (Please do not alter) may be provided for them to use in direct marketing.

I/We declare that the above information is true and complete and Interest rates of BOC Credit Card for retail spending and cash hereby authorize BOC Credit Card (International) Ltd (“the Company”) advance are both 31.20% p.a. The APR of retail spending and Date Date cash advance are 34.71% and 36.91% respectively. The APR is to contact my/our employers, financial and credit reference institutions (30/06/2014) calculated in accordance with the guidelines laid down in the or any other credit or information source for the verification thereof and Code of Banking Practice. If you pay less than the minimum for the collection of such information as required for the processing NOTICE payment on or before the relevant due date on two or more and evaluation of this application and, if my/our application is occasions over the preceding 12 consecutive monthly approved, for the operation of my/our account(s). If I/We are the 1. A BOC Card applicant must be a employee or full time employee of statements (“Triggering Event”), we will charge an overdue existing customer(s) of the Company and/or have previously supplied company member or individual associate of HKGCC and must be a interest rate of 4% over the basic interest rate (“Overdue Interest any data to the Company for application purpose, unless I/We provide Hong Kong resident aged 18 years or above; Additional Card Rate”) applicable to the outstanding balance of your credit card further updated data in this application form, I/We confirm that all applicant must be a Hong Kong resident aged 16 years. account. The Overdue Interest Rate shall be applied during the my/our existing records and/or the supplied data are up-to-date. I/We period from the day following the date of the statement first further agrees to notify the Company promptly in writing upon 2. Please return the original copy of this application form together with issued after the occurrence of the Triggering Event until the date occurrence of any changes to that information, in any event not later the required supporting document by mail or pass to any Bank of of the statement first issued after the cessation of the Triggering than 30 days after such change, and to provide certified copies of any China (Hong Kong) branches. Event. All preferential interest rates applicable to your credit card replacement or documents (including supporting and other documents 3. Documents submitted (including this application form) will not be account will be suspended until such time as the Overdue required under any laws, regulations or guidelines issued by any returned. Interest Rate ceases to apply. regulatory or tax authorities, if applicable). I/We acknowledges that the 4. Should the applicant be a current BOC Main Cardholder, his/her Company has the right to rely on the information obtained or that credit history and existing credit limit will be taken into consideration comes to its knowledge from any source it may consider appropriate to in the final approval and credit judgment. The credit limit should be update my/our existing information and may require my/our shared among all HKD credit cards and CUP Dual Currency credit confirmation if necessary. I/We further authorize the Company to cards. disclose any information regarding me/us and/or this application and/or 5. BOC Credit Card (International) Limited (“The Company”) will make my/our account(s) with the Company confidentially to (i) the Company’s the final decision on either to decline or approve your application, employees, agents and contractors for the purpose of processing and verifying this application; (ii) third parties employed by the Company to credit limit and related interest rate. The Hong Kong General provide services in connection with the operation of customer Chamber of Commerce will not participate in the approval process. accounts (including credit check and debt collection service) and 6. The Company reserves the right to adjust the interest rate at any marketing of account services; (iii) Bank of China (Hong Kong) Limited time. TERMS & CONDITIONS OF PROMOTIONAL OFFERS TERMS & CONDITIONS FOR OPT-OUT OF “OVER-THE-LIMIT FACILITY” FUNCTION 1. The promotion period runs from now until 30 June 2014. Each main card applicant successfully apply for an additional card 1. Once the instruction to opt-out of “Over-the-limit Facility” simultaneously within the promotion period, and each function has been processed successfully, BOC Credit Card additional card applicant who has accumulated Spending of up (International) Limited (the “Company”) will reject any overlimit to HK$2,000 within the first two months of card issuance, can transaction conducted on the relevant main and additional enjoy “25,000 Gift Points”(online Bill Payment, Octopus credit card(s) (if any); unless they are processed offline (such Automatic Add Value Service, unposted repayment for cash as, but not limited to, Octopus Automatic Add Value Service, installment plan and such other transaction types as may be contactless transaction, in flight or cruise transactions or designated by the Company from time to time are excluded). recurring payment and so on) then no Overlimit Handling Fee of HK$180 (per statement cycle) will apply. Maximum 9 additional cards can be applied for by each main card applicant. (Each main card applicant can enjoy maximum 2. If a cardholder does not opt out of “Over-the-limit Facility” 225,000 Gift Points) function as aforesaid, the Company may exercise its discretion to accept and process any overlimit transaction conducted with 2. If the additional card applicant is currently holding a BOC the said card. Thereupon an Overlimit Handling Fee will be Credit Card and/or BOC CUP Dual Currency Credit Card debited to the account whenever its balance exceeds the (either in the capacity as a main or additional cardholder), or “Combined Limit” amount specified on the monthly statement. has heretofore cancelled any such card or once held any such 3. If a cardholder needs to apply for the opt-out of “Over-the-limit card on or after 1 July 2013, the main cardholder will not be Facility” function for other credit card(s), please call our eligible for the additional card welcome offer upon approval of 24-hour Customer Services Hotline at (852) 2853 8828 or the additional card application. download a “BOC Credit Card/Express Cash Customer 3. Gift Points will be credited to the main cardholder’s accounts Information Amendment Form” by visiting the Company’s within 4 to 6 weeks after all spending requirements (if website (www.boci.com.hk > Customer Services > Important applicable) are fulfilled. The status of the credit card account Documents and Forms > Other Frequently Used Forms) for must be normal, valid and in good credit condition. further processing. bpmOL(tc)201311 4. If there is any inconsistency or conflict between the English 4. If a new cardholder cancels the main credit card account within and the Chinese versions of these terms and conditions, the 12 months after card issuance, the Company will debit an English version shall prevail. administration fee HK$550 for Gold Card and HK$220 for Classic Card against his/her credit card account without prior notice. 5. The Company reserves the right to change, suspend or terminate the welcome offers of the additional card or amend their terms and conditions at its sole discretion without prior notice. 6. All matters and disputes are subject to the final decision of the Company. 7. The Chinese version of these terms and conditions shall prevail should there be any discrepancy or inconsistency between the English and the Chinese versions.

BOC Credit Card (International) Ltd is a member of BOCHK Group. IMPORTANT TERMS & CONDITIONS OF BOC CREDIT CARD card(s) is/are issued to you, payment made by a main 16. You irrevocably authorize us at any time and from time to time to cardholder shall be applied towards repayment of the respective combine and set off all or any of your accounts with us without 1. Approval of this credit card application and the issue of the credit sums of moneys due from the main cardholder and from the prior notice. card (“Card”) and/or the virtual card (“Virtual Card”) to you are additional cardholder(s) in such order and priority as we may in 17. You irrevocably authorize and instruct each of the Bank of China subject to our satisfactory verification of the data stated in your our absolute discretion determine from time to time. Although an (Hong Kong) Limited, Nanyang Commercial Bank Limited and application form and the documents supplied by you in support additional cardholder is only liable for transactions effected Chiyu Banking Corporation Limited with which you may have thereof and our credit policy from time to time in force. We through his/her own additional card, such additional cardholder account to debit and pay to us the credit balance thereof reserve the right to refuse your application without assigning any may (at his/her option) settle the amounts due from the main (whether held singly or jointly with other, and whether or not reason therefor. cardholder and/or other additional cardholders. Any payment such amount is matured or due and payable) for the satisfaction made by an additional cardholder in excess of the amounts then 2. A ‘Virtual Card’ will be issued only in the form of ‘a credit card of your liability to us without prior notice upon our request. due from him/her to us shall be irrevocably deemed to be account number’ and without any physical card. voluntary payment to settle (in whole or in part) the amounts due 18. You acknowledge that in the event of your default in repayment 3. You agree to be bound by the terms and conditions of the BOC from the main cardholder and/or other additional cardholders, in of any amount from time to time due to us, we are entitled Credit Card (International) Limited Credit Card User Agreement such order and priority as we may from time to time determine. to appoint debt collection agencies and/or institute legal and/or the BOC Credit Card (International) Limited Virtual Card proceedings at any time without prior notice against you to 9. You acknowledge that the Card and/or the Virtual Card are our User Agreement (the “User Agreements”). Copies of these User enforce repayment. You agree to indemnify us against all costs properties. You agree to take all necessary measures to keep Agreements are available at our principal place of business or and expenses reasonably incurred in connection with the the Card and/or the Virtual Card safely under your personal on our web site at www.boci.com.hk. appointment of debt collection agencies provided that the total control and the personal identification number (“PIN”) secret and collection costs recoverable against you shall in normal 4. Immediately upon receipt of the Card and/or being notified of use the Card and/or the Virtual Card in accordance with the circumstances not exceed 30% of the aggregate outstanding the issue of the Virtual Card, you have the responsibility to sign procedures, instructions and/or security guidelines from time to balance of your account, and against all legal costs and the Card on the space provided, and if so required by us time issued by us to prevent fraud. expenses reasonably incurred by us in enforcing payment via activate the Card and/or the Virtual Card according to our 10. It is your responsibility to report as soon as reasonably legal process. instructions. Your signature on the Card, or use or activation of practicable to us and to the police of any loss, theft, unauthorized the Card and/or the Virtual Card shall constitute conclusive 19. We may (in our discretion) from time to time change any of the use of the Card, the Virtual Card and/or PIN and/or suspected evidence of your agreement to be bound by the terms and terms and conditions of the User Agreements and/or the Fees unauthorized use of the Card and/or the Virtual Card or any conditions of the User Agreements. Schedule provided that we shall give you not less than 60 days’ counterfeit card. notice before any change of the terms and conditions affecting 5. All applicable fees, charges and interest payable in respect of 11. Notwithstanding anything contained in the User Agreements fees and charges (where the notice of overdue interest rate shall the issue and use of the Card and/or the Virtual Card are set out regarding credit period granted to you by us, you shall repay all be given with at least one statement cycle) and your liabilities or in the Fees Schedule referred to in the User Agreements. sums due to us immediately upon our demand. obligations takes effect, unless such changes are beyond our A copy of the Fees Schedule is available at our principal place of control. You may terminate the Card in accordance with the business or on our web site at www.boci.com.hk. 12. You agree to examine your Statement carefully and report any unauthorized transactions in the Statement within 60 days from User Agreements if you do not accept our proposed change. 6. You will receive from us a statement of account (“Statement”) on the date of the Statement. 20. Where the Card is used through ATM, point of sale terminals or a monthly or other periodic basis showing (among other things) other devices, the use of any services (including ATM services the current balance of your account, the minimum payment due 13. Provided that you have acted in good faith and with due care within or outside Hong Kong are subject to the respective daily from you to us and the payment due date, except where there is (including taking all necessary precautions to safeguard the transaction limits and the scope of service as determined by the no New Transaction since the last statement. You agree to Card and/or the Virtual Card and to report loss, theft and/or Company from time to time) through such shall be subject to the verify the transaction details of the Statement and notify us in unauthorized or suspected unauthorized use of the Card and/or terms and conditions (including without limitation the “Conditions writing of any error within 60 days from the date of the the Virtual Card as soon as practicable) in handling the Card for Services” and “Retail Banking Services General Information” Statement. Otherwise, we shall be entitled to treat all transactions and/or the Virtual Card, your liability for loss, theft and/or of the Banks) which may govern any other services provided shown on the Statement as correct and conclusive. unauthorized use of the Card and/or the Virtual Card shall not exceed the maximum from time to time prescribed by the through the Card. Cardholders are required to activate the ATM 7. You acknowledge and agree that if you shall make no payment applicable law or regulatory directive. services outside Hong Kong in advance and complete the or payment of less than the current balance on or before the due transaction setting via the appropriate channel designated by the date, interest shall be charged on (i) the unpaid balance from the 14. You shall be fully liable for all loss and damage arising out of or Company from time to time. date of the Statement, and (ii) the amount of each new in connection with the loss, theft and/or unauthorized use of the 21. We may at any time without notice and without giving any transaction (i.e. a transaction occurring at any time after the last Card and/or the Virtual Card if you have acted fraudulently or reason suspend, cancel or terminate the Card and/or the Virtual transaction as shown in the Statement, or at any time before that with gross negligence, or have failed to take all necessary Card and/or any services thereby offered and/or disapprove any

last transaction which has not been debited to your account and precautions to prevent such loss, theft and/or unauthorized use bpmHKD(en)201304 transaction proposed to be effected by the Card and/or the shown in the Statement) from the date of that new transaction, of the Card and/or the Virtual Card, or if the unauthorized use of Virtual Card. Upon cancellation or termination, you must and if you shall make no payment or payment of less than the the Card and/or the Virtual Card involves the use of your PIN unconditionally and immediately cease using the Card and/or minimum payment on or before the due date, then a late charge with or without your knowledge and shall indemnify us against all the Virtual Card for any purpose. shall be charged in addition to the interest payable on the unpaid losses, damages, liabilities and all reasonable costs and balance and the amounts of all new transactions. Where expenses incurred as a result thereof. 22. If there is any inconsistency or conflict between the English additional card(s) is/are issued, we may treat any or all fees, 15. Where additional card(s) is/are issued to you, a main cardholder and the Chinese versions of these terms and conditions, the charges and/or interests arising out of the use of any additional shall (jointly and severally with the additional cardholders) be liable English version shall prevail. In the event of any inconsistency card as though the same were incurred by the main cardholder to us for any and all transactions effected and/or liabilities incurred between the terms and conditions stated herein and the User to all intents and purposes. by the additional cardholders and/or through the use of the Agreements, the User Agreements shall prevail. 8. Payment made by you shall be applied towards repayment of additional cards whereas an additional cardholder shall be liable Last update: 1 March 2013 the balance of your account in such order as we may in our only for the transactions effected and the liabilities incurred by such absolute discretion determine from time to time. Where additional additional cardholder through the use of the additional card. Data Policy Notice 6. Data relating to the data subjects are collected or received (iii) any present or future contractual or other by the Company from time to time. Such data may include, commitment with local or foreign legal, regulatory, 1. This Notice sets out the data policies of BOC Hong Kong but not limited to, data collected from data subjects in the governmental, tax, law enforcement or other ordinary course of the continuation of the relationship (Holdings) Limited and its subsidiaries, including Bank of authorities, or self-regulatory or industry bodies or between the Company and data subjects, for example, China (Hong Kong) Limited, Nanyang Commercial Bank, associations of financial services providers that is when data subjects write cheques, deposit money, effect assumed by or imposed on the Company or any of Limited, Chiyu Banking Corporation Limited, BOC Credit transactions through credit cards issued or serviced by the Card (International) Limited, BOC Group Life Assurance its branches by reason of its financial, commercial, Company or generally communicate verbally or in writing business or other interests or activities in or related to Company Limited, Po Sang Futures Limited, BOCHK with the Company. Asset Management Limited (each a “Company”) in respect the jurisdiction of the relevant local or foreign legal, 7. The purposes for which the data relating to the data regulatory, governmental, tax, law enforcement or of their respective data subjects (as hereinafter defined). subjects may be used will vary depending on the nature of The rights and obligations of each Company under this other authority, or self-regulatory or industry bodies the data subjects’ relationship with the Company, they or associations; Notice are several and not joint. No Company shall be may include the following: (m) complying with any obligations, requirements, policies, liable for any act or omission by another Company. (a) assessing the merits and suitability of the data procedures, measures or arrangements for sharing 2. For the purposes of this Notice, the “Group” means the subjects as actual or potential applicants for financial, Company and its holding companies, branches, subsidiaries, insurance, credit card, securities, commodities, investment, data and information within the Group and/or any other representative offices and affiliates, wherever situated. banking and related services and products and use of data and information in accordance with any Affiliates include branches, subsidiaries, representative facilities and/or processing and/or approving their group-wide programmes for compliance with sanctions offices and affiliates of the Company’s holding companies, applications, renewals and cancellations; or prevention or detection of money laundering, wherever situated. (b) enabling the Company to ensure the daily operation of terrorist financing or other unlawful activities; 3. The term “data subject(s)”, wherever mentioned in this the services and credit facilities provided to the data (n) enabling an actual or proposed assignee of the Notice, includes the following categories of individuals: - subjects; Company, or participant or sub-participant of the Company’s rights in respect of the data subjects to (a) applicants for or customers/users of financial, insurance, (c) conducting credit checks whenever appropriate evaluate the transaction intended to be the subject of credit card, securities, commodities, investment, banking (including, without limitation, at the time of application the assignment, participation or sub-participation; and related services and products and facilities and so for credit and at the time of regular or special reviews forth provided by a Company and their authorized which normally will take place one or more times each (o) comparing data of data subjects or other persons for signatories; year) and carrying out matching procedures (as defined credit checking, data verification or otherwise producing in the Ordinance); or verifying data, whether or not for the purpose of (b) sureties, guarantors and parties providing security, (d) creating and maintaining the Company’s scoring models; taking adverse action against the data subjects; guarantee or any form of support for obligations owed to a Company; (e) providing reference; (p) maintaining a credit history or otherwise, a record of data subjects (whether or not there exists any (c) directors, shareholders, officers and managers of any (f) assisting other financial institutions to conduct credit checks and collect debts; relationship between data subjects and the Company) corporate applicants and data subjects/users; and (g) ensuring ongoing credit worthiness of data subjects; for present and future reference; and (d) suppliers, contractors, service providers and other (q) purposes incidental, associated or relating to contractual counterparties of the Company. (h) researching and/or designing financial, insurance, credit card, securities, commodities, investment, banking Paragraph 7. For the avoidance of doubt, “data subjects” shall not and related services and products and facilities for 8. Data held by the Company relating to data subjects will be include any incorporated bodies. The contents of this data subjects’ use; kept confidential but the Company may provide and Notice shall apply to all data subjects and form part of any (i) marketing services, products and other subjects (please disclose (as defined in the Ordinance) such data to the contracts for services that the data subjects have or may see further details in paragraph 10 below); following parties for the purposes set out in the previous enter into with the Company from time to time. If there is (j) determining amounts owed to or by the data subjects; paragraph: - any inconsistency or discrepancy between this Notice and the relevant contract, this Notice shall prevail insofar as it (k) enforcing data subjects’ obligations, including without (a) any agent, contractor or third party service provider relates to the protection of the data subjects’ personal limitation the collection of amounts outstanding from who provides administrative, telecommunications, data. Nothing in this Notice shall limit the rights of the data data subjects and those providing security for data computer, payment or securities clearing or other subjects’ obligations; subjects under the Personal Data (Privacy) Ordinance services to the Company in connection with the (Cap. 486, Laws of Hong Kong) (the “Ordinance”). (l) complying with the obligations, requirements or operation of its business, wherever situated; arrangements for disclosing and using data that apply 4. From time to time, it is necessary for the data subjects to (b) any other person under a duty of confidentiality to the to the Company or any of its branches or that it is Company including any member of the Group which supply the Company with data in connection with the expected to comply according to: opening or continuation of accounts and the establishment has undertaken to keep such information confidential; (i) any law binding or applying to it within or outside or continuation of banking facilities or provision of financial, (c) the drawee bank providing a copy of a paid cheque the Hong Kong Special Administrative Region (which may contain information about the payee) to the insurance, credit card, securities, commodities, investment existing currently and in the future; and related services and products and facilities. drawer; (ii) any guidelines or guidance given or issued by any 5. Failure to supply such data may result in the Company legal, regulatory, governmental, tax, law enforcement (d) any person making payment into the data subject’s being unable to open or continue accounts or establish or or other authorities, or self-regulatory or industry account; continue banking facilities or provide financial, insurance, bodies or associations of financial services providers (e) any person receiving payment from the data subject, credit card, securities, commodities, investment, banking within or outside the Hong Kong Special Administrative the banker of such person and any intermediaries and related services and products and facilities. Region existing currently and in the future; which may handle or process such payment; (f) credit reference agencies, and, in the event of default, (a) full name; (iv) donations and contributions for charitable and/or to debt collection agencies; (b) capacity in respect of each mortgage (as borrower, non-profit making purposes; (g) any financial institution, charge or credit card issuing mortgagor or guarantor, and whether in the data (c) the above services, products and subjects may be companies, insurance company, securities and subject’s sole name or in joint names with others); provided or (in the case of donations and contributions) investment company with which the data subjects (c) identity card number or travel document number; solicited by the Company and/or: have or propose to have dealings; (d) date of birth; (i) any member of the Group; (h) any person to whom the Company or any of its branches (ii) third party financial institutions, insurers, credit is under an obligation or otherwise required to make (e) correspondence address; disclosure under the requirements of any law binding on (f) mortgage account number in respect of each mortgage; card companies, securities, commodities and investment services providers; or applying to the Company or any of its branches, or (g) type of the facility in respect of each mortgage; any disclosure under and for the purposes of any (iii) third party reward, loyalty, co-branding or privileges guidelines or guidance given or issued by any legal, (h) mortgage account status in respect of each mortgage programme providers; regulatory, governmental, tax, law enforcement or other (e.g., active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and (iv) co-branding partners of the Company and the authorities, or self-regulatory or industry bodies or Group (the names of such co-branding partners associations of financial services providers with which (i) if any, mortgage account closed date in respect of can be found in the application form(s) for the the Company or any of its branches are expected to each mortgage. relevant services and products, as the case may comply, or any disclosure pursuant to any contractual or The credit reference agency will use the above data be); and other commitment of the Company or any of its branches supplied by the Company for the purposes of compiling a (v) charitable or non-profit making organisations; with local or foreign legal, regulatory, governmental, tax, count of the number of mortgages from time to time held law enforcement or other authorities, or self-regulatory by the data subject with credit providers in Hong Kong (d) in addition to marketing the above services, products or industry bodies or associations of financial services Special Administrative Region, as borrower, mortgagor or and subjects itself, the Company also intends to providers, all of which may be within or outside the Hong guarantor respectively and whether in the data subject’s provide the data described in paragraph 10(a) above Kong Special Administrative Region and may be existing to all or any of the persons described in paragraph currently and in the future; sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agency 10(c) above for use by them in marketing those (i) any actual or proposed assignee of the Company or by credit providers (subject to the requirements of the services, products and subjects, and the Company participant or sub-participant or transferee of the Code of Practice on Consumer Credit Data approved and requires the data subject's written consent (which Company’s rights in respect of the data subject; and issued under the Ordinance). includes an indication of no objection) for that purpose; (j) (i) any member of the Group; 10. USE OF DATA IN DIRECT MARKETING If a data subject does not wish the Company to use or (ii) third party financial institutions, insurers, credit provide to other persons his data for use in direct card companies, securities, commodities and The Company intends to use the data subject’s data in direct marketing as described above, the data subject may investment services providers; marketing and the Company requires the data subject’s exercise his opt-out right by notifying the Company. consent (which includes an indication of no objection) for (iii) third party reward, loyalty, co-branding and 11. Under and in accordance with the terms of the Ordinance privileges programme providers; that purpose. The specific requirement regarding data subject’s consent (which includes an indication of no and the Code of Practice on Consumer Credit Data, any (iv) co-branding partners of the Company and the objection) under Part VIA of the Personal Data (Privacy) data subject has the right: - Group (the names of such co-branding partners Ordinance 2012 shall take effect on a day to be appointed by (a) to check whether the Company holds data about him can be found in the application form(s) for the and of access to such data; relevant services and products, as the case may be); the Secretary for Constitutional and Mainland Affairs by notice published in the Gazette, tentatively on 1st April 2013. (b) to require the Company to correct any data relating to (v) charitable or non-profit making organisations; and In this connection, please note that: him which is inaccurate; (vi) external service providers (including but not limited (a) the name, contact details, products and services (c) to ascertain the Company's policies and practices in to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, portfolio information, transaction pattern and relation to data and to be informed of the kind of data processing companies and information behaviour, financial background and demographic personal data held by the Company; technology companies) that the Company engages data of the data subject held by the Company (d) to be informed on request which items of data are for the purposes set out in paragraph (7)(i) above, from time to time may be used by the Company in routinely disclosed to credit reference agencies or debt wherever situated. direct marketing; collection agencies, and be provided with further The Company may from time to time transfer the data (b) the following classes of services, products and information to enable the making of an access and relating to the data subjects to a place outside Hong subjects may be marketed: correction request to the relevant credit reference Kong Special Administrative Region for the purposes (i) financial, insurance, credit card, securities, agency or debt collection agency; and set out in paragraph 7 above. commodities, investment, banking and related (e) in relation to any account data (including, for the 9. With respect to data in connection with mortgages applied services and products and facilities; avoidance of doubt, any account repayment data) by the data subject (if applicable, and whether as a (ii) reward, loyalty or privileges programmes and which has been provided by the Company to a credit borrower, mortgagor or guarantor and whether in the data related services and products; reference agency, to instruct the Company, upon subject’s sole name or in joint names with others) on or termination of the account by full repayment, to make a after 1 April 2011, the following data relating to the data (iii) services and products offered by the Company’s co-branding partners (the names of such co-branding request to the credit reference agency to delete such subject (including any updated data of any of the following account data from its database, as long as the data from time to time) may be provided by the Company, partners can be found in the application form(s) for the relevant services and products, as the case instruction is given within five years of termination and on its own behalf and/or as agent, to a credit reference at no time was there any default of payment in relation agency: may be); and to the account, lasting in excess of 60 days within five Chiyu Banking Corporation Limited years immediately before account termination. The Data Protection Officer Account repayment data include amount last due, Chiyu Banking Corporation Limited amount of payment made during the last reporting 78 Des Voeux Road Central period (being a period not exceeding 31 days Hong Kong immediately preceding the last contribution of account Facsimile: (852) 2810 4207 data by the Company to a credit reference agency), remaining available credit or outstanding balance and BOC Credit Card (International) Limited default data (being amount past due and number of The Data Protection Officer days past due, date of settlement of amount past due, BOC Credit Card (International) Limited and date of final settlement of amount in default lasting 20/F., BOC Credit Card Centre in excess of 60 days (if any)). 68 Connaught Road West 12. In the event of any default of payment relating to an Hong Kong account, unless the amount in default is fully repaid or Facsimile: (852) 2541 5415 written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, BOC Group Life Assurance Company Limited the account repayment data (as defined in paragraph The Data Protection Officer 11(e) above) may be retained by the credit reference BOC Group Life Assurance Company Limited agency until the expiry of five years from the date of final 13-21/F, BOC Group Life Assurance Tower settlement of the amount in default. 136 Des Voeux Road Central 13. In the event any amount in an account is written-off due to Hong Kong a bankruptcy order being made against the data subject, Facsimile: (852) 2860 0670 the account repayment data (as defined in paragraph 11(e) above) may be retained by the credit reference Po Sang Futures Limited agency, regardless of whether the account repayment The Data Protection Officer data reveal any default of payment lasting in excess of 60 Po Sang Futures Limited days, until the expiry of five years from the date of final 1/F, Wing On House settlement of the amount in default or the expiry of five 71 Des Voeux Road Central years from the date of discharge from a bankruptcy as Hong Kong notified by the data subject with evidence to the credit Facsimile: (852) 2854 1955 reference agency, whichever is earlier. 14. In accordance with the terms of the Ordinance, the BOCHK Asset Management Limited Company has the right to charge a reasonable fee for the The Data Protection Officer processing of any data access request. BOCHK Asset Management Limited 15. The persons to whom requests for access to data or 32/F, Bank of China Tower correction of data or for information regarding policies and 1 Garden Road practices and kinds of data held are to be addressed is as Hong Kong follows: - Facsimile: (852) 2532 8216

Bank of China (Hong Kong) Limited 16. The Company may have obtained a credit report on the The Data Protection Officer data subject from a credit reference agency in considering

Bank of China (Hong Kong) Limited any application for credit. In the event that the data bpmDPN(en)201304 Bank of China Tower subject wishes to access the credit report, the Company 1 Garden Road will advise the contact details of the relevant credit reference agency. Hong Kong Facsimile: (852) 2899 2613 17. If there is any inconsistency between the English version and the Chinese version of this Notice, the Chinese version shall prevail in relation to any matters arising in the Nanyang Commercial Bank, Limited Mainland China exclusive of Hong Kong Special The Data Protection Officer Administrative Region, the English version shall prevail in Nanyang Commercial Bank, Ltd. relation to any matters arising in Hong Kong Special 151 Des Voeux Road Central Administrative Region and elsewhere. Hong Kong Facsimile: (852) 2815 3333 December 2012 BOC Credit Card Key Facts Statement Interest Free Period Up to 56 days Fees relating to

Foreign Currency # Interest Rates and Interest Charges Minimum Payment HK$50 / CNY50 (where applicable Transactions 1.95% of every transaction effected (Applicable to in a currency other than Hong Kong Annualised * for HKD or CNY account respectively) Maximum 34.71% for retail spending / Hong Kong Dollar Dollars Percentage Rate * or the summation of item (i) to (iv) 36.91% for cash advance when you (whichever is higher). Credit Card only) (APR) for open your account and it will be reviewed Retail Spending / from time to time. (i) total outstanding billed interest, fees Cash Advance and charges; (ii) any overdue minimum Late Charge 5% of the minimum payment amount No interest will be payable if the payment amount from previous monthly outstanding balance is paid in full on or (subject to a minimum of HK$200 / statement (where applicable); (iii) total of CNY200 or equivalent to the before the due date. If no payment or over-limit amount (where applicable) minimum payment amount of your last payment of less than the outstanding (excluding items (i) and (ii) above); and statement, whichever is lower; and a balance is made on or before the due (iv) 1% of the remaining principal balance date, interest will be charged on a daily (excluding items from (i) to (iii) above). maximum of HK$280 / CNY280) basis at the then prevailing interest rate (where applicable for HKD or CNY (that is to say, an interest-free period of Major Fees account respectively) 26 days from the date of the statement Main Card Additional Card will not be available). Interest will be Annual Fee (per annum) (per annum) Overlimit charged on (1) the unpaid balance from Handling Fee HK$180 per statement period the date of the statement until payment Visa Infinite Card HK$1,600 HK$800 is made in full thereof and (2) the ^ amount of each new transaction (i.e. a Platinum Card HK$1,200 HK$600 Returned Cheque & HK$100 / CNY100 per Rejected Autopay transaction occurring at any time after Gold / Titanium Card HK$550 HK$275 transaction (where applicable for HKD the last transaction as shown in the Charge or CNY account respectively) statement, or at any time before that Classic Card HK$220 HK$110 last transaction which has not been Private Label Card HK$220 HK$110 Please visit the website of BOC Credit Card (International) Ltd. at debited to the cardholder’s account and shown in the statement) from the date of Commercial Card www.boci.com.hk for full version of relevant Credit Card Fees that new transaction until payment is Platinum Card HK$980 N.A. Schedule and User Circular. made in full thereof (a minimum charge Gold Card HK$480 N.A. of / (where applicable HK$5 CNY5 Classic Card N.A. for HKD or CNY account respectively) is HK$220 Remarks: imposed). Such charge will be recorded Membership Fee HK$300 N.A. in the next statement. (one-off) * 1. The APR is calculated in accordance with the guidelines laid down in the Code of Banking Practice. Hong Kong Dollar Credit Card Overdue APR If you have not made any payment or Cash Advance # 2. The handling fees include the reimbursement charge levied by for Retail you have made a payment of less than Handling Fee Hong Kong: Spending / Cash the minimum payment on or before the • 3.5% plus HK$20 (HK$25 VISA/MasterCard on BOC Credit Card (International) Ltd. at Advance relevant due date on two or more through PLUS / CIRRUS ATM) per the rate of 1%. MasterCard transactions in Hong Kong occasions in respect of 12 consecutive transaction Dollars incurred outside of Hong Kong will be imposed a statements (“Triggering Event”), we will reimbursement charge of (inclusive of the reimbursement charge overdue interest rate (“Overdue Outside Hong Kong: 0.95% Interest Rate”) at an additional rate • 4% plus HK$20 (HK$25 charge levied by MasterCard at the rate of 0.8%). of 4% over the basic interest rate through PLUS / CIRRUS ATM) per ^ 3. Annual fee of BOC HKUST Platinum Card is HK$600 for applicable to the outstanding balance in transaction your credit card account (bringing the main card and HK$300 for additional card. CUP Dual Currency Credit Card annualized percentage rate (APR) to a 4. BOC Credit Card (International) Ltd. reserves the right to vary * bpmkfs201404 maximum of 37.40% (for retail HKD Account: the fees and charges from time to time by notice to spending) and (for cash 39.82% • 3.5% (4% through CUP ATM) customers. The fees and charges for other card products advance)). If a Triggering Event occurs, plus HK$20 per transaction we will charge the Overdue Interest and/or services may be separately published. CNY Account: Rate during the period from the day 5. The English version of this notice shall prevail whenever there following the statement date of the • 3.5% plus CNY20 per is any discrepancy between the English and the Chinese statement first issued after the occurrence transaction made in Hong Kong of the Triggering Event until the statement • 4% plus CNY25 per transaction versions. date of the statement first issued after made in Mainland China cessation of the Triggering Event. All preferential interest rate applicable to Remark: the account will be suspended until Subject to a minimum of HK$100 / such time as the Overdue Interest Rate CNY100 (where applicable for HKD ceases to apply. or CNY account respectively)