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Terms of the promotional offers: amount of HK$10,000 or above in 3 consecutive months by 1. McDull Luggage Tag: auto-payroll system via Payroll Account within 4 months upon • The promotion period is from 9 June 2014 to 31 August 2014 (both registration for the Payroll Service; and (iii) have not registered for the dates inclusive) (“Promotion Period”). ’s Payroll Service from 1 March 2014 to 8 June 2014 (“Payroll • Customers who take up i-Free Banking or upgrade the existing Service Eligible Customers”). accounts to i-Free Banking at branches of Bank of ( Kong) Ī “Salary” refers to the basic monthly salary (excluding commission, Limited (the “Bank”) OR upgrade the existing accounts to i-Free Banking bonus, double pay, repayment and/ or other funds) of which the through other channels (including but not limited to Phone Banking and amount should reach HK$10,000 or above. The Bank reserves the Internet Banking) and at the same time, fulfil the following requirements absolute right to define the term of “salary”. (“Welcome Gift Requirements”) during the Promotion Period (“Eligible Ī Each Payroll Service Eligible Customer can enjoy this offer once only. Customers”) are entitled to one McDull Luggage Tag (“Welcome Gift”). If a Payroll Service Eligible Customer registers for more than one The Welcome Gift Requirements are as follows: Payroll Account within the Promotion Period, he/she can only enjoy i) Register for e-Statement service and provide email address; the offer once. ii) Open or currently hold a same-name securities account (this • The Bank will send the Payroll Service Gift to the Payroll Service Eligible requirement will be waived for customers aged below 18 and Customers by mail in accordance with the correspondence address students of designated universities / tertiary education institutions); and record of the Bank during the below designated periods. Customers iii) Open or currently hold a same-name Multi- Savings should hold valid i-Free Banking service at the time when the Payroll Account (including RMB). Service Gifts are sent by the Bank. Otherwise, this offer will be forfeited. • Each Eligible Customer is entitled to the Welcome Gift once only. If the account is a joint account, the holders of such account will be considered as one Eligible Customer and only one of the account holders will be entitled to the Welcome Gift. The Bank reserves the right to offer the Welcome Gift to any one of the joint-account holders. • Eligible Customers who take up i-Free Banking or upgrade the existing accounts to i-Free Banking at the Bank’s branches and fulfil the Welcome Gift Requirements will receive the Welcome Gift instantly. If stock runs out, the Bank will inform Eligible Customers via phone to redeem the Welcome Gift at the account-opening branch or send the Welcome Gift to Eligible Customers by other means at the Bank’s discretion. • Should the Eligible Customers upgrade the existing accounts to i-Free Banking through other channels (including but not limited to Phone Banking and Internet Banking), the Bank will send the Welcome Gifts by mail to the Eligible Customers in accordance with the correspondence address record of the Bank during the below designated periods. Eligible Customers should hold valid i-Free Banking service at the time when the Welcome Gifts are sent by the Bank. Otherwise, this offer will be forfeited.

Date of taking up/ upgrading the existing account to i-Free Banking Mailing Date of Welcome Gift with the Welcome Gift Requirements fulfilled 9 June 2014 - 30 June 2014 On or before 31 August 2014 1 July 2014 - 31 August 2014 On or before 31 October 2014

2. McDull Luggage Strap: • The promotion period is from 9 June 2014 to 31 August 2014 (both dates inclusive) (“Promotion Period”). • Customers who take up i-Free Banking or upgrade the existing accounts to i-Free Banking at the Bank’s branches OR upgrade the existing accounts to i-Free Banking through other channels (including but not limited to Phone Banking and Internet Banking) and fulfil the following requirements (“Payroll Service Requirements”) during the Promotion Period are entitled to one McDull Luggage Strap (“Payroll Service Gift”). The Payroll Service Requirements are as follows: Ī i-Free Banking customers should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name account) (“Payroll Account”) with the Bank, and (i) register for Payroll Service via any branch, Phone Banking or Internet Banking of the Bank during the Promotion Period; (ii) receive salary with the amount of HK$10,000 or above in 3 consecutive months by • Funds that are deposited via cashier’s order, cheques and transfers or auto-payroll system via Payroll Account within 4 months upon remittance from other accounts with the Bank, Nanyang Commercial registration for the Payroll Service; and (iii) have not registered for the Bank, Limited and Chiyu Banking Corporation Limited will not be Bank’s Payroll Service from 1 March 2014 to 8 June 2014 (“Payroll considered as “new funds”. For the definition of “new funds”, please Service Eligible Customers”). contact the Bank’s staff. In case of any dispute, the Bank has the sole Ī “Salary” refers to the basic monthly salary (excluding commission, discretion to determine the definition of “new funds”. bonus, double pay, repayment and/ or other funds) of which the • This offer is a one-off privilege for each time deposit and subsequent amount should reach HK$10,000 or above. The Bank reserves the renewal of time deposits will be subject to the rates quoted by the Bank absolute right to define the term of “salary”. from time to time. Ī Each Payroll Service Eligible Customer can enjoy this offer once only. • This offer is limited and available on a first-come first-served basis. If a Payroll Service Eligible Customer registers for more than one Payroll Account within the Promotion Period, he/she can only enjoy the offer once. • The Bank will send the Payroll Service Gift to the Payroll Service Eligible Customers by mail in accordance with the correspondence address record of the Bank during the below designated periods. Customers should hold valid i-Free Banking service at the time when the Payroll Service Gifts are sent by the Bank. Otherwise, this offer will be forfeited.

Date of taking up/ upgrading the existing account to i-Free Mailing Date of Banking with the Payroll Service Payroll Service Gift Requirements fulfilled 9 June 2014 - 30 June 2014 On or before 31 December 2014 1 July 2014 - 31 August 2014 On or before 28 February 2015

• If i-Free Banking is opened under joint-name, the payroll transactions should be under the same joint-name payroll account. • If the Payroll Account is a joint account, the holders of such account will be considered as one customer and only one of the account holders will be entitled to this offer. • This offer is not applicable to staff of the Bank and its subsidiaries.

3. Time Deposit Offers: • The promotion period of this offer is from 9 June 2014 to 31 August 2014 (both dates inclusive) (“Deposit Promotion Period”). • Preferential HKD Time Deposit Annual Interest Rate Offer: Ī This offer is only applicable to customers who successfully take up or upgrade the existing accounts to i-Free Banking during the Deposit Promotion Period (“HKD Time Deposit Offer Eligible Customers”). Ī HKD Time Deposit Offer Eligible Customers should place a time deposit of HK$50,000 or above via any branch of the Bank with new funds within 1 month upon taking up/ upgrading the existing account to i-Free Banking. Ī The above preferential HKD time deposit annual interest rate is quoted based on the annual interest rates of 18-month HKD time deposit published on 15 August 2014 by the Bank and is for 2. McDull Luggage Strap: reference only. The actual annual interest rates will be subject to the • The promotion period is from 9 June 2014 to 31 August 2014 (both rates quoted by the Bank from time to time. dates inclusive) (“Promotion Period”). • Preferential RMB Time Deposit Annual Interest Rate Offer: • Customers who take up i-Free Banking or upgrade the existing Ī accounts to i-Free Banking at the Bank’s branches OR upgrade the Customers during the Deposit Promotion Period should i) place a existing accounts to i-Free Banking through other channels (including time deposit of RMB20,000 or above with new funds or the but not limited to Phone Banking and Internet Banking) and fulfil the conversion of existing HKD funds at any of our branches; or (ii) place following requirements (“Payroll Service Requirements”) during the a time deposit of RMB20,000 or above with the conversion of existing Promotion Period are entitled to one McDull Luggage Strap (“Payroll HKD funds via Internet Banking. Service Gift”). The Payroll Service Requirements are as follows: Ī The above preferential RMB time deposit annual interest rate is quoted based on the annual interest rates of 3-month RMB time Ī i-Free Banking customers should maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name deposit published on 9 June 2014 by the Bank and is for reference account) (“Payroll Account”) with the Bank, and (i) register for Payroll only. The actual annual interest rates will be subject to the rates Service via any branch, Phone Banking or Internet Banking of the quoted by the Bank from time to time. Bank during the Promotion Period; (ii) receive salary with the • Funds that are deposited via cashier’s order, cheques and transfers or • i-Free Banking customers aged under 18 is eligible for waiver of "Total remittance from other accounts with the Bank, Nanyang Commercial Relationship Balance" requirement. When the customers reach the age Bank, Limited and Chiyu Banking Corporation Limited will not be of 18, monthly service fee of i-Free Banking will be levied if the “Total considered as “new funds”. For the definition of “new funds”, please Relationship Balance” falls below a designated amount. For the detail of contact the Bank’s staff. In case of any dispute, the Bank has the sole related monthly service fee and the “Total Relationship Balance”, please discretion to determine the definition of “new funds”. contact the Bank’s staff or visit www.bochk.com. • This offer is a one-off privilege for each time deposit and subsequent renewal of time deposits will be subject to the rates quoted by the Bank from time to time. • This offer is limited and available on a first-come first-served basis.

4. Securities Account Opening Reward: • The promotion period of this offer is from 9 June 2014 to 31 August 2014 (both dates inclusive) (“Securities Promotion Period”). • This offer is only applicable to i-Free Banking customers who successfully open new sole-name / joint-name securities accounts (including Securities Margin Trading Accounts but excluding Family Securities Accounts) (“New Securities Accounts”) with the Bank during the Securities Promotion Period and do not have any securities account with the Bank within 6 months preceding the date of New Securities Accounts opening (“Eligible New Securities Account Customers”). • Eligible New Securities Account Customers should conduct buying transactions of local securities listed on the Exchanges and Clearing Limited (“HKEx”) and settled in Hong Kong or (excluding Monthly Stocks Savings Plans and IPO subscription) via Internet Banking, Mobile Banking or Automated Stock Trading Hotline of the Bank through the New Securities Accounts within the first 3 months starting from the date of New Securities Accounts opening (3-month period is calculated on the basis of 90 days with the 90th day, Saturdays, Sundays and public holidays included) to be eligible for this offer. • Eligible New Securities Account Customers should pay the brokerage fee of buying transactions first. The brokerage fee waiver (“Brokerage Fee Waiver”) will be credited to the settlement accounts of Eligible New Securities Account Customers on or before 31 March 3. Time Deposit Offers: 2015. If an Eligible New Securities Account Customer holds more than • The promotion period of this offer is from 9 June 2014 to 31 August one settlement account, the Bank has the discretion to credit the 2014 (both dates inclusive) (“Deposit Promotion Period”). Brokerage Fee Waiver to any one of the settlement accounts. Eligible • Preferential HKD Time Deposit Annual Interest Rate Offer: New Securities Account Customers should maintain valid New Ī This offer is only applicable to customers who successfully take up or Securities Accounts and relevant settlement accounts at the time when upgrade the existing accounts to i-Free Banking during the Deposit the Brokerage Fee Waiver is credited, otherwise this offer will be Promotion Period (“HKD Time Deposit Offer Eligible Customers”). forfeited. Ī HKD Time Deposit Offer Eligible Customers should place a time • The brokerage fee settled in Renminbi will be converted into Hong Kong deposit of HK$50,000 or above via any branch of the Bank with new dollar at the exchange rate determined by the Bank. If an Eligible New funds within 1 month upon taking up/ upgrading the existing account Securities Account Customer is an i-Free Banking customer, the total to i-Free Banking. amount of Brokerage Fee Waiver is capped at HK$1,000. Each Eligible Ī The above preferential HKD time deposit annual interest rate is New Securities Account Customer can only enjoy this offer once quoted based on the annual interest rates of 18-month HKD time regardless of number of New Securities Accounts opened during the deposit published on 15 August 2014 by the Bank and is for Securities Promotion Period. Holders of joint-name securities accounts reference only. The actual annual interest rates will be subject to the will be considered as one Eligible New Securities Account Customer and rates quoted by the Bank from time to time. can enjoy the offer once. • Preferential RMB Time Deposit Annual Interest Rate Offer: • Other transaction fees still apply to Eligible New Securities Accounts Ī Customers during the Deposit Promotion Period should i) place a Customers, including but not limited to transaction charge, stamp duty, time deposit of RMB20,000 or above with new funds or the transaction levy charged by the Securities and Futures Commission of conversion of existing HKD funds at any of our branches; or (ii) place Hong Kong and trading fee charged by HKEx. a time deposit of RMB20,000 or above with the conversion of existing HKD funds via Internet Banking. 5. Terms and conditions for i-Free Banking Customer aged below 18: Ī The above preferential RMB time deposit annual interest rate is • i-Free Banking customers aged below 18 can enjoy the following quoted based on the annual interest rates of 3-month RMB time services through Internet Banking and Mobile Banking: account balance deposit published on 9 June 2014 by the Bank and is for reference and transaction enquiry, electronic-statement enquiry (only applicable to only. The actual annual interest rates will be subject to the rates Internet Banking), currency exchange, time deposit placement and quoted by the Bank from time to time. payment for designated bill etc. Customers can enjoy full range of Internet Banking and Mobile Banking services automatically at the age of 18. • i-Free Banking customers aged under 18 is eligible for waiver of "Total Risk Disclosure of Securities Trading: Relationship Balance" requirement. When the customers reach the age The prices of securities fluctuate, sometimes dramatically. The price ofa of 18, monthly service fee of i-Free Banking will be levied if the “Total security may move up or down, and may become valueless. It is as likely that Relationship Balance” falls below a designated amount. For the detail of losses will be incurred rather than profit made as a result of buying and selling related monthly service fee and the “Total Relationship Balance”, please securities. contact the Bank’s staff or visit www.bochk.com. Risk Disclosure of Securities Margin Trading: General Terms: The risk of loss in financing a transaction by deposit of collateral is significant. • The above offers are only applicable to personal banking customers. You may sustain losses in excess of your and any other assets • Customers can enjoy the above offers simultaneously. However, these deposited as collateral with the licensed or registered person. Market offers cannot be used in conjunction with other offers that are not listed in conditions may make it impossible to execute contingent orders, such as this promotional material. "stop-loss" or "stop-limit" orders. You may be called upon at short notice to • The above gifts are offered on a first-come first-served basis while stock make additional margin or interest payments. If the required margin or interest lasts. The Bank reserves the right to offer any other gifts as replacement payments are not made within the prescribed time, your collateral may be without prior notice, the value and nature of the gifts may be different from liquidated without your consent. Moreover, you will remain liable for any those of the original gifts. All gifts cannot be transferred, returned, resulting deficit in your account and interest charged on your account. You exchanged for other gifts or redeemed for cash. The Bank shall not be should therefore carefully consider whether such a financing arrangement is liable for any loss, damage or defacement of the gifts and shall not reissue suitable in light of your own financial position and investment objectives. or replace any of them, and takes no responsibility for any liability. • The usage of the gifts is subject to the relevant terms and conditions. The Risk Disclosure of RMB Investment: Bank is not the supplier of the gifts. If there is any enquiry or complaint in RMB investments are subject to exchange rate fluctuations which may respect of the gifts, please contact the corresponding supplier directly. provide both opportunities and risks. The fluctuation in the exchange rate of The Bank gives no guarantee to the gifts or services provided by the RMB may result in losses in the event that the customer converts RMB into supplier, and takes no responsibility for any liability arising in conjunction HKD or other foreign . with the use of gifts or services provided by the supplier. RMB is currently not fully freely convertible. Hong Kong residents who intend • Investment Services are only applicable to customers aged 18 or above. to conduct conversion of RMB through bank accounts are subject to a daily • The above products, services and offers are subject to the relevant terms limit and they should allow time for exchange of RMB from / to another and conditions. For details, please refer to the relevant promotional currency of an RMB amount exceeding the daily limit. Non-Hong Kong materials or contact the Bank’s staff. residents (i.e. individuals who are not holders of Hong Kong Identity Card) • The Bank reserves the right to amend, suspend and terminate the above who intend to conduct conversion of RMB through may occasionally products, services and offers and to amend the relevant terms and not be able to do so fully or immediately, for which it is subject to the RMB conditions at any time at its sole discretion without prior notice. position of the banks and their commercial decision at that moment. • In case of any dispute, the decision of the Bank shall be final. Customers should consider and understand the possible impact on their • In case of discrepancy between the Chinese and English versions of this liquidity of RMB funds in advance. promotional material, the Chinese version shall prevail. Risk Disclosure of Foreign Currency Trading: Investment Risk Disclosure: Foreign currency investments are subject to exchange rate fluctuations which Investment products are not principal-protected. Although investment may may provide both opportunities and risks. The fluctuation in the exchange rate bring profit opportunities, each investment product or service involves of foreign currency may result in losses in the event that the customer potential risks. Due to dynamic changes in the market, the price movement converts the foreign currency into Hong Kong dollar or other foreign and volatility of investment products may not be the same as expected by currencies. customers. Customers' fund may increase or reduce due to the purchase or sale of investment products. The loss incurred from investment maybe This promotional material does not constitute any offer, solicitation, the same or greater than initial investment amount, proceeds may also recommendation, comment or any guarantee to the purchase or sale of any change accordingly. Part of the investment may not be able to liquidate investment product or service. immediately under certain market situation. Before making any investment This promotional material is issued by (Hong Kong) Limited and decisions, customers should consider their own financial situation, the contents have not been reviewed by the Securities and Futures investment objectives and experiences, willingness and ability to bear risks, Commission of Hong Kong. and understand the nature and risks of the relevant product. For the nature and risk disclosures of individual investment products, customers should read carefully the relevant offering documents for details. Customers should seek professional advice from an independent financial adviser. The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you trade or invest. You should carefully consider whether trading or investment 5. Terms and conditions for i-Free Banking Customer aged below 18: is suitable in light of your own financial position and investment objectives. • i-Free Banking customers aged below 18 can enjoy the following You are advised to seek independent financial and professional advice services through Internet Banking and Mobile Banking: account balance before you trade or invest. You should seek independent professional and transaction enquiry, electronic-statement enquiry (only applicable to advice if you are uncertain of or have not understood any aspect of the Internet Banking), currency exchange, time deposit placement and following risk disclosure statements or the nature and risks involved in payment for designated bill etc. Customers can enjoy full range of trading or investment. Internet Banking and Mobile Banking services automatically at the age of 18. Risk Disclosure of Securities Trading: The prices of securities fluctuate, sometimes dramatically. The price ofa security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.

Risk Disclosure of Securities Margin Trading: General Terms: The risk of loss in financing a transaction by deposit of collateral is significant. • The above offers are only applicable to personal banking customers. You may sustain losses in excess of your cash and any other assets • Customers can enjoy the above offers simultaneously. However, these deposited as collateral with the licensed or registered person. Market offers cannot be used in conjunction with other offers that are not listed in conditions may make it impossible to execute contingent orders, such as this promotional material. "stop-loss" or "stop-limit" orders. You may be called upon at short notice to • The above gifts are offered on a first-come first-served basis while stock make additional margin or interest payments. If the required margin or interest lasts. The Bank reserves the right to offer any other gifts as replacement payments are not made within the prescribed time, your collateral may be without prior notice, the value and nature of the gifts may be different from liquidated without your consent. Moreover, you will remain liable for any those of the original gifts. All gifts cannot be transferred, returned, resulting deficit in your account and interest charged on your account. You exchanged for other gifts or redeemed for cash. The Bank shall not be should therefore carefully consider whether such a financing arrangement is liable for any loss, damage or defacement of the gifts and shall not reissue suitable in light of your own financial position and investment objectives. or replace any of them, and takes no responsibility for any liability. • The usage of the gifts is subject to the relevant terms and conditions. The Risk Disclosure of RMB Investment: Bank is not the supplier of the gifts. If there is any enquiry or complaint in RMB investments are subject to exchange rate fluctuations which may respect of the gifts, please contact the corresponding supplier directly. provide both opportunities and risks. The fluctuation in the exchange rate of The Bank gives no guarantee to the gifts or services provided by the RMB may result in losses in the event that the customer converts RMB into supplier, and takes no responsibility for any liability arising in conjunction HKD or other foreign currencies. with the use of gifts or services provided by the supplier. RMB is currently not fully freely convertible. Hong Kong residents who intend • Investment Services are only applicable to customers aged 18 or above. to conduct conversion of RMB through bank accounts are subject to a daily • The above products, services and offers are subject to the relevant terms limit and they should allow time for exchange of RMB from / to another and conditions. For details, please refer to the relevant promotional currency of an RMB amount exceeding the daily limit. Non-Hong Kong materials or contact the Bank’s staff. residents (i.e. individuals who are not holders of Hong Kong Identity Card) • The Bank reserves the right to amend, suspend and terminate the above who intend to conduct conversion of RMB through banks may occasionally products, services and offers and to amend the relevant terms and not be able to do so fully or immediately, for which it is subject to the RMB conditions at any time at its sole discretion without prior notice. position of the banks and their commercial decision at that moment. • In case of any dispute, the decision of the Bank shall be final. Customers should consider and understand the possible impact on their • In case of discrepancy between the Chinese and English versions of this liquidity of RMB funds in advance. promotional material, the Chinese version shall prevail. Risk Disclosure of Foreign Currency Trading: Investment Risk Disclosure: Foreign currency investments are subject to exchange rate fluctuations which Investment products are not principal-protected. Although investment may may provide both opportunities and risks. The fluctuation in the exchange rate bring profit opportunities, each investment product or service involves of foreign currency may result in losses in the event that the customer potential risks. Due to dynamic changes in the market, the price movement converts the foreign currency into Hong Kong dollar or other foreign and volatility of investment products may not be the same as expected by currencies. customers. Customers' fund may increase or reduce due to the purchase or sale of investment products. The loss incurred from investment maybe This promotional material does not constitute any offer, solicitation, the same or greater than initial investment amount, proceeds may also recommendation, comment or any guarantee to the purchase or sale of any change accordingly. Part of the investment may not be able to liquidate investment product or service. immediately under certain market situation. Before making any investment This promotional material is issued by Bank of China (Hong Kong) Limited and decisions, customers should consider their own financial situation, the contents have not been reviewed by the Securities and Futures investment objectives and experiences, willingness and ability to bear risks, Commission of Hong Kong. and understand the nature and risks of the relevant product. For the nature and risk disclosures of individual investment products, customers should read carefully the relevant offering documents for details. Customers should seek professional advice from an independent financial adviser. The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you trade or invest. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objectives. You are advised to seek independent financial and professional advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.