Terms and Conditions of CCB (Asia) Credit Card and CCB Long Credit Card SHKP Malls Spending Rewards Program (“Program”):1. THE PROGRAM Eligible Card (for any reasons) on the transaction day, or the information provided by the Cardmember is incomplete. d) Cardmembers are required to keep the - his Program is only available for principal and supplementary cardmembers (“Cardmember(s)”,“you”) of credit cards (except Business Cards) (“Eligible relevant original Valid Invoice(s) for inspection upon request by the Bank. In case of any disputes, Cardmembers are required to submit the relevant original Valid Cards”) issued by China Construction Bank (Asia) Corporation Limited or China Construction Bank Corporation Limited. The aforesaid card issuers are Invoice(s) for further investigation by the Bank. 5. ELIGIBLE TRANSACTION - a) Transaction amount is counted on individual card basis (by Credit Card collectively referred to as the (“CCB Group”,“Bank”, “us”). The Program promotion period is valid from April 1 to June 14, 2020, both dates number), and only the actual transaction amount will be counted (only the net amount after discounted price / the use of promotion coupon / cash coupon will be inclusive “Promotion( Period”). Only applicable on Saturday and Sunday during the Promotion Perioda at HomeSquare, Sha Tin.2. ARTICIPATING MALLS counted). The following transactions will not be eligible for the Reward Redemption: Apple Store, travel agencies and cross-border buses, fitness and beauty FROM SUN HUNG KAI REAL ESTATE AGENCY LIMITED (“SHK Real”) OF THE PROGRAM - (), Chelsea Heights (Tuen Mun), East Point City (Tseung centers, property agencies, elderly homes, medical and dental/clinic services, carwash, car care services, purchase of parking cards, kiosks, exhibition venues Kwan O), Harbour North (North Point), HomeSquare (Sha Tin), K-Point (Tuen Mun), () (only applicable to merchants from 2/F to 5/F), (Kwai and temporary exhibition booths / Pop Up Stores, tenants in office buildings, hotels, banking services, insurance premiums, money exchange shops, tuition, Fong), Metropolis Plaza (Sheung Shui), (), MOKO (Mong Kok), New Jade Shopping Arcade (Chai Wan) (only applicable to merchants on 1/F and 3/F), Park membership or any other monthly fees, the purchase or topping-up of an Octopus, or value-added or payment services, mail, fax, email or phone orders, or online Your Most Exciting Spending Rewards Central (Tseung Kwan O), PopWalk (Tseung Kwan O), (Tai Po), (Tsuen Wan), V city (Tuen Mun), WTC (Causeway Bay) (only applicable to shopping (except the online purchase of movie tickets), telecommunication fees or the purchase of calling cards, the purchase of tickets (such as mall event or merchants from G/F to 13/F), (Yuen Long) and Yuen Long Plaza (Yuen Long) (“Participating Malls”). 3. REWARD - a) During the Promotion Period, Cardmember is concert tickets), in particular admission tickets to Park Noah’s Ark or sky 100 Observation Deck, trade-in transactions or product entitled to redeem 1 piece of HKD50 SHKP Mall Gift Certificate (“Gift Certificate(s)”) (“Reward Redemption”) upon accumulative spending of HKD1,500 or above at Participating redemptions, the purchase and use of cash coupons, gift cards, or gift certificates, including SHKP Mall Gift Certificates and e-Gift Certificates, membership Way to Enjoy Exquisite Privileges Malls (with up to 2 original sets of machine printed invoices and corresponding Cardmember’s sales slips from different merchants of the same Participating Mall on the same cards, bonus point cards, discount cards or value-added cards, food coupons (including but not limited to, bakery, mooncake, rice dumpling and Chinese transaction day with the same Eligible Card (“Valid Invoice(s)”). Transaction amount for each set of Valid Invoice must be HKD100 or above). Cardmember is entitled to redeem 1 preserved sausage vouchers), the purchase of gold grains, bars or deposits for gold saving club, cancelled / returned transactions or any non-eligible at SHKP Malls piece of HKD100 Gift Certificate (“Reward Redemption”) upon accumulative spending of HKD3,000 or above at Participating Malls (with up to 2 original sets of Valid Invoices. transactions determined by SHK Real or Participating Malls or any transaction which the Bank classifies as ineligible transactions. Any photocopied, duplicated or Transaction amount for each set of Valid Invoice must be HKD100 or above). Cardmember is entitled to redeem 1 set of HKD250 Gift Certificate (“Reward Redemption”) upon handwritten invoices, handwritten Cardmember’s sales slips, faked transaction, transaction not yet posted and / or any ineligible transaction designated by the accumulative spending of HKD6,500 or above at Participating Malls (except New Jade Shopping Arcade, Chai Wan and PopWalk, Tseung Kwan O) (with up to 3 original sets of Bank are not accepted. Transaction date and time of the Bank’s record shall prevail. b) Split transactions will not be accepted. Cardmember’s transaction from Valid Invoices. Transaction amount for each set of Valid Invoice must be HKD100 or above). Participating Malls reserve the right to substitute the HKD100 Gift Certificate with 2 pieces the same merchant cannot be split into multiple sales invoices or sales slips with same or different Card(s) to participate in the Reward Redemption. For of HKD50 Gift Certificate or substitute the HKD250 Gift Certificate with 5 pieces of HKD50 Gift Certificate without prior consent from the Cardmember. The Gift Certificates available for installment payment, the full amount listed on machine printed invoice will be eligible. For transactions that involve deposit, only the value of the deposit on the redemption at each Participating Mall are in limited supply, on a first-come-first-served basis, while stock lasts. The number of Gift Certificates available for redemption at each transaction day instead of the total transaction amount will be counted for the spending amount. The balance of the invoice cannot be used for any other Participating Mall on each redemption day are as follows: promotion offers (except points registration of The Point by SHKP integrated loyalty program). Remaining balance can be used to participate in the Program only if the deposit has not been used for participation in any promotional activities before (except points registration of The Point by SHKP integrated loyalty program). Reward 1 Reward 2 Reward 3 Presentation of the original copies of merchant sale invoices and sales slips of the deposit is required at redemption for verification. 6. LIMITATION - The Participating Malls HKD50 HKD100 HKD250 spending of different Principal Credit Card and Supplementary Credit Card shall not be transferred or combined for the purpose of calculating the spending Gift Certificate Gift Certificate Gift Certificate amounts for the Reward Redemption. Principal Credit Card and the corresponding Supplementary Credit Card must be redeemed apm, Kwun Tong 6 4 2 individually. 7. INFORMATION RECORD - Cardmember’s name, credit card number, member ID of The Point by SHKP (if applicable) and information stated on the machine printed invoices or Cardmember’s sales slips will be recorded for the purpose of Reward Redemption and verification. The personal Chelsea Heights, Tuen Mun information collected is limited for the use of this Program only. By providing the above information for Reward Redemption, Cardmembers have agreed on the East Point City, Tseung Kwan O 10 10 5 collection of related data and understand the purpose on the use of such data. 8. BANK RECORD PREVAILS - The Bank will verify the credit card transaction K-Point, Tuen Mun record to confirm credit card accounts' eligibility for the Reward Redemption and the entitlement of the Reward Redemption. In case of discrepancy between the Bank's record and details recorded on the credit card sales slip, the Bank's record shall prevail. For any cancelled / refunded transactions, the Bank has the right Harbour North, North Point to and will be entitled to debit any Gift Certificate(s) equivalent amount so granted to the Cardmember from the relevant Card account(s) without prior notice. HomeSquare, Sha Tin (Only applicable 10 10 10 Terms and Conditions of Extra Reward for The Point by SHKP Members: - 1. Only applicable to The Point by SHKP participating malls, including apm, on Saturday & Sunday) East Point City, Harbour North, Landmark North, Metroplaza, Metropolis Plaza, Mikiki, MOKO, , Tai Po Mega Mall, Tsuen Wan Plaza, V city, WTC, Mikiki, San Po Kong YOHO MALL and Yuen Long Plaza. Extra Reward will be applicable to HomeSquare starting from its participation in The Point by SHKP integrated loyalty Landmark North, Sheung Shui 10 5 5 programme. For commencement date, please refer to in-mall promotional materials. Subject to change without further notice. 2. Extra 2,500 bonus points (“Extra Bonus Points”) will be given to The Point by SHKP members on top of the basic bonus points of spending from Reward Redemption. 3. Extra Bonus Points must Metroplaza, be registered upon Reward Redemption at redemption counters and is not applicable to self-registration through SHKP Malls App or WeChat official MOKO, Mong Kok 5 5 5 account. 4. Each member is entitled to earn Extra Bonus Points once only throughout the whole Promotion Period. The extra bonus points will be credited to Park Central, Tseung Kwan O members’ account on the last day of the following month of the transaction (i.e. May 31, June 30, or July 31, 2020). 5. A quota of 5,000 is available for redemption Tsuen Wan Plaza, Tsuen Wan for all The Point by SHKP participating malls during the whole Promotion Period on a first-come-first-served basis while stock lasts. 6. Bonus points are bounded Metropolis Plaza, Sheung Shui 9 4 1 by individual terms and conditions of The Point by SHKP integrated loyalty programme. General Terms and Conditions: PROGRAM REQUIREMENT - To enjoy the Reward and Special Offers (“Offers”), Eligible Cardmember shall follow the requirements stated under the relevant Offers, and settle the retail New Jade Shopping Arcade, Chai Wan 8 3 N/A transactions with the Eligible Card. The Offers cannot be used in conjunction with any promotional offer(s).1. PROGRAM REQUIREMENT - To enjoy the Reward and Special Offers (“Offers”), Eligible Cardmember shall follow the requirements stated under the relevant Offers, and settle the retail transactions with the PopWalk, Tseung Kwan O 5 5 N/A Eligible Card. The Offers cannot be used in conjunction with any promotional offer(s). 2. ELIGIBILITY - Your card account status must remain valid and in good Tai Po Mega Mall, Tai Po 4 3 1 standing (as determined at the Bank’s discretion) throughout the Promotion Period and at the time when the Reward and Special Offers are given. 3. SUBJECT Yuen Long Plaza, Yuen Long TO AVAILABILITY - The Offers are subject to availability and cannot be exchanged for cash, unless otherwise stated therein. The products are available while stock lasts. We, SHK Real, Participating Malls and Participating Merchants will not provide notice of non-availability or substitution. The validity V city, Tuen Mun 15 10 10 4. DISCLAIMER - and use of any product or service of the Offers under the Program shall be subject to the relevant usage instructions and terms and conditions set by the relevant WTC, Causeway Bay 3 3 2 supplier. We shall not act as, or assume any liability of, a product / service supplier (or its agent). Any claim, complaint, or dispute concerning any product or YOHO MALL, Yuen Long 20 20 10 service must be referred to and resolved between the relevant supplier and the Cardmember, which shall in no way relieve such Cardmember from his / her payment or other obligations to us. 5. RIGHT TO VARY, ETC - We, SHK Real and Participating Malls reserve the right to vary the Program and / or these Terms Each Cardmember can only redeem Reward 1, Reward 2 or Reward 3 once at each Participating Mall on each redemption day. Redemption by multiple Cards from the same and Conditions, or to replace, cancel or withdraw the Program, at our discretion at any time without giving prior notice. 6. FINAL DECISION - CCB Group, SHK Cardmember on the same day at the same Participating Mall is not acceptable. Each Cardmember can only redeem Gift Certificates with total value up to HKD2,000 at each Real and Participating Malls retain the final decision in any differences or disputes under the Program, and shall not be responsible or liable for any claims or Participating Mall during the whole Promotion Period. Gift Certificate can be used at participating merchants in 30 SHKP Malls. Please visit www.shkp.com/html/gift_cert.html for liability resulting from Cardmember's participation in the Program howsoever suffered or incurred. 7. ENGLISH VERSION PREVAILS - In case of any participating merchants. Gift Certificate cannot be cancelled, altered, transferred, refunded or exchanged for cash under any circumstances once issued. The Bank, SHK Real and inconsistency between English and Chinese versions of these Terms and Conditions, the English version of the website shall prevail. Participating Malls will not be responsible for any damaged, lost or stolen of the Gift Certificate(s). The use of the Gift Certificate is bounded by related Terms and Conditions, please refer to the terms and conditions printed at the back of the Gift Certificate. b) If Cardmembers have made valid transactions at Participating Malls in RMB currency, RMB1 spending 若 閣下不希望收取本行的促銷資訊，請致函香港七姊妹道郵政信箱60126號。閣下可於提出 will be counted as HKD1 spending. 4. REWARD REDEMPTION - Cardmember must redeem the Reward on the transaction day at designated redemption 要求時表明 閣下選擇不收取促銷資訊的產品類別及渠道。本行將於收到 閣下的要求後，安排 counters located at Participating Malls during Redemption Hours in person. The same Eligible Card with the same Credit Card number stated on the 停止把 閣下的個人資料用作直接促銷，而此安排毋須收取任何費用。If you do not wish your Cardmember‘s sales slip must be presented by the Cardmember for Reward Redemption. Staff at Participating Malls reserves the right to ask for identity proof personal data to be used in our direct marketing, please mail to P.O.Box 60126,Tsat Tsz for the sole purpose of verification. Spending at different Participating Malls or on different transaction days cannot be accumulated for Reward Mui Post Office,Hong Kong. You may specify in your request the product types and the Redemption. a) The Redemption Hours of designated redemption counters at each Participating Mall (“Redemption Hours”) are as follows: apm: 12:00noon to 11:00pm; Chelsea Heights: 1:00pm to 9:30pm; East Point City, Harbour North, K-Point, Mikiki and Park Central: 1:00pm to 10:00pm; HomeSquare, Landmark delivery channels you would like to withdraw. Upon receipt of your request, we will North, Metroplaza, New Jade Shopping Arcade, PopWalk, Tsuen Wan Plaza and YOHO MALL: 10:00am to 10:00pm; Metropolis Plaza, Tai Po Mega Mall and arrange to cease to use your personal data in our direct marketing without charge. WTC: 12:00noon to 10:00pm; MOKO: 9:00am to 10:00pm; V city: 11:00am to 10:00pm; Yuen Long Plaza: 10:00am to 9:00pm. b) All original copies of Valid Invoice(s) will be stamped by staff at Participating Malls upon redemption for identification purpose. Cardmembers cannot request refund from merchants with the stamped original copies of machine printed invoices. Each set of Valid Invoice can only be used to redeem Reward once, i.e. Valid Invoice used in redemption of Reward 1 cannot be used to redeem Reward 2 or Reward 3 and vice versa. Valid Invoice used in this Program cannot be re-used in other mall 借定唔借?還得到先好借! promotions (except points registration of The Point by SHKP integrated loyalty program). Any amount exceeding the minimum spending requirement for each Reward Redemption cannot be retained and used for other promotions. Staff members of the Bank, SHK Real, Participating Malls and sales personnel of merchants at Participating Malls are not allowed to join this Reward Redemption. Sales personnel of merchants at Participating Malls cannot redeem Gift Certificates on behalf of the Cardmembers under any circumstances. c) The Reward Redemption is only eligible for Cardmembers with original copies of Cardmember’s sales slips and machine printed invoices issued by merchants at Participating Malls. Valid Invoices must be issued within the opening hours of the merchants at the Participating Malls. The opening hours of the merchants on Participating Malls’ websites shall be final. Cardmember’s sales slips issued by Participating Malls’ merchants must clearly state the Credit Card number, merchant name, transaction date, transaction amount, valid authorization code 建行（亞洲）信用卡24小時 and Cardmember’s signature (if applicable). The credit card statement or photocopies of sales slips / machine printed invoices will not be accepted; whereas merchant name, transaction date, transaction amount and purchase items must be clearly stated on the machine printed invoices. Cardmembers will not be 客戶服務熱線：317 95533 eligible for the Reward Redemption if he / she cannot present the original copies of Cardmember’s sales slips and machine printed invoices and/or the relevant From April 1 to June 14, 2020^, CCB (Asia) Credit Cardmembers can enjoy the following Reward Redemption Counters and Hours privileges at 20 Participating SHKP Malls: # Reward 1 Reward 2 Reward 3 apm, Customer Care Centre, 12:00nn to 11:00pm Kwun Tong Concourse Accumulative spending of HKD1,500 Accumulative spending of HKD3,000 Accumulative spending of HKD6,500 （up to 2 original sets of Valid Invoices） （up to 2 original sets of Valid Invoices） （up to 3 original sets of Valid Invoices） Chelsea Heights, G/F 01:00pm to 9:30pm Tuen Mun Customer Care Centre

East Point City, L2 01:00pm to 10:00pm FREE FREE FREE Tseung Kwan O Gift Redemption Counter

Harbour North, L1 Customer Care Centre, 01:00pm to 10:00pm 1 pc of OR 1 pc of OR 1 set of North Point Phase 2 HKD50 SHKP Mall Gift Certificate HKD100 SHKP Mall Gift Certificate HKD250 SHKP Mall Gift Certificate HomeSquare, Sha Tin^ L1 Customer Care Centre 10:00am to 10:00pm

K-Point, L2 Tuen Mun Customer Care Centre 01:00pm to 10:00pm

Landmark North, L4 10:00am to 10:00pm Sheung Shui Customer Care Centre

Metroplaza, L2 10:00am to 10:00pm Kwai Fong Customer Care Centre Extra Reward for Metropolis Plaza, L2 12:00nn to 10:00pm Sheung Shu Customer Care Centre

Members* Mikiki, G/F 01:00pm to 10:00pm San Po Kong Customer Care Centre

09:00am to 10:00pm The Point by SHKP integrated Register Now MOKO, L1 to Earn Extra The Point by SHKP member is entitled to the customer loyalty programs Mong Kok Customer Care Centre from multiple SHKP malls. Members Bonus Points get extra 2,500 bonus points on top of earn one point per HKD1 spending in New Jade Shopping L1 10:00am to 10:00pm the basic bonus points of spending for related malls, redeemable on special Arcade, Chai Wan Customer Care Centre above Rewards upon redemption! offers and privileges. Park Central, L1 01:00pm to 10:00pm Remark: Each member is entitled to earn extra bonus For details, Tseung Kwan O Customer Care Centre points once only throughout the whole Promotion Period. please visit www.thepoint.com.hk. PopWalk, G/F Customer Care Centre, 10:00am to 10:00pm Tseung Kwan O PopWalk 1

Tai Po Mega Mall, Customer Care Centre, 12:00nn to 10:00pm Tai Po Zone C ^ Only applicable on Saturday and Sunday during the Promotion Period at HomeSquare, Shatin. # Not applicable to New Jade Shopping Arcade, Chai Wan and PopWalk, Tseung Kwan O. Tsuen Wan Plaza, L3 10:00am to 10:00pm * Extra Reward for The Point by SHKP Members: 1. Only applicable to The Point by SHKP participating malls, including apm, East Point City, Harbour North, Landmark North, Metroplaza, Metropolis Plaza, Mikiki, MOKO, Park Central, Tsuen Wan Customer Care Centre Tai Po Mega Mall, Tsuen Wan Plaza, V city, WTC, YOHO MALL and Yuen Long Plaza. Extra Reward will be applicable to HomeSquare starting from its participation in The Point by SHKP integrated loyalty programme. For commencement date, please refer to in-mall promotional materials. Subject to change without further notice. 2. Extra bonus points must be registered upon Reward Redemption at redemption counters and is not applicable to V city, Customer Care Centre, 11:00am to 10:00pm self-registration through SHKP Malls App or WeChat official account. 3.Each member is entitled to earn extra bonus points once only throughout the whole Promotion Period. The extra bonus points will be credited to Tuen Mun MTR Level members’ account on the last day of the following month of the transaction (i.e. May 31, June 30, or July 31, 2020). 4. A quota of 5,000 is available for redemption for all The Point by SHKP participating malls during the whole Promotion Period on a first-come-first-served basis while stock lasts. WTC, P2 12:00nn to 10:00pm General Terms and Conditions: 1. cumulated original sets of Cardmember’s sales slips and machine printed invoices (“Valid Invoice”) should come from different merchants of the same Participating Mall on the same transaction day Causeway Bay Customer Care Centre with the same Eligible Card. Transaction amount for each set of Valid Invoice must be HKD100 or above. Different invoices issued by the same merchant at the same Participating Mall and split transactions are not acceptable. 2. Each set of Valid Invoice can only be used to redeem Reward once, i.e. Valid Invoice used in redemption of Reward 1 cannot be used to redeem Reward 2 or Reward 3 and vice versa. Valid Invoice used in this Program cannot be re-used in YOHO MALL, L2 Customer Care Centre, 10:00am to 10:00pm other mall promotions (except points registration of The Point by SHKP integrated loyalty programme). 3. Cardmember must redeem the Reward on the transaction day at designated redemption counters located at Participating Yuen Long YOHO MALL I & II Malls during Redemption Hours in person. Staff at Participating Malls reserves the right to ask for identity proof for the sole purpose of verification. 4. Spending at different Participating Malls or on different transaction days cannot be accumulated for redemption. Each Cardmember can only redeem Reward 1, Reward 2 or Reward 3 once on each redemption day. Redemption by multiple Cards from the same Cardmember on the same redemption day Yuen Long Plaza, L1 10:00am to 09:00pm at the same Participating Mall is not acceptable. 5. Each Cardmember can only redeem Gift Certificates with total value up to HKD2,000 at each Participating Mall during the whole Promotion Period. 6. The Gift Certificates available for redemption at each Participating Mall are in limited supply, on a first-come-first-served basis, while stock lasts. 7. Offers and Gift Certificate are bounded by relevant Terms and Yuen Long Customer Care Centre Conditions, please refer to the promotional leaflet and the back of the Gift Certificate. Remarks: For CCB (Asia) UnionPay Dual Currency Credit Cardmembers, the offers are only available at merchants accepting the Card for payment.