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“Mid-Autumn Festival Redemption Program” Enjoy up to 47% off Bonus Point redemption for Mooncake To celebrate Dragon Boat Festival with your beloved ones, from 29 July 2019 to 29 August 2019^ (unless specified), enjoy up to 47% off to redeem below designated * with your Bank of Communications Credit Card’s bonus points.

Designated Mooncake Coupons Face Redeem at Discounted Value Bonus Points Flow Heart Mooncake HK$368 56,000 points

^ special item redemption available from 29 July 2019 to 15 August 2019

White Lotus Seed Paste Mooncake (3 Yolks) HK$388 50,500 points White Lotus Seed Paste Mooncake (2 Yolks) HK$378 49,500 points Lotus Seed Paste Mooncake (2 Yolks) HK$368 48,000 points Nuts Mooncake (With Jin Hua ) HK$398 52,000 points Bird's Nest Combo Icy Mooncakes.Icy Glamour HK$322 42,500 points Icy Mooncakes.Icy Fantasy HK$299 39,500 points Icy Mooncakes.Icy Lover HK$175 24,000 points Twinie Icy Mooncakes HK$57 9,500 points Hill Signature Black Gold Musang King Durian HK$468 95,800 points Snowy Mooncake (Moonlite) Durian Hill Musang King Durian Snowy Mooncake (Joy) HK$398 81,500 points

* When the redemption application is approved, the Bank will send the designated mooncake coupon(s) via Cardholder’s monthly statement address in 10 working days. For details, please refer to the terms and conditions.

“Mid-Autumn Festival Mooncake Redemption Program” Redemption Form Redeem below designated Mooncake Coupons with Bank of Communications Credit Card’s bonus points from 29 July 2019 to 29 August 2019. To: Bank of Communications Fax: 2591 9968 Mail: 18/F, Bank of Communications Tower, 231-235 Gloucester Road, Wan Chai,

Face Redeem at Discounted Amount* - please Code Designated Mooncake Coupons Value Bonus Points fill-in Wing Wah Flow Heart Custard B376 Mooncake x 1 box HK$368 56,000 points ^ special item redemption available from 29 July 2019 to 15 August 2019

B377 White Lotus Seed Paste Mooncake (3 Yolks) HK$388 50,500 points

x 1 box

B378 White Lotus Seed Paste Mooncake (2 Yolks) HK$378 49,500 points

x 1 box

B379 HK$368 48,000 points Lotus Seed Paste Mooncake (2 Yolks) x 1 box

B380 HK$398 52,000 points Nuts Mooncake (With Jin Hua Ham) x 1 box

B381 HK$322 42,500 points Bird's Nest Combo Icy Mooncakes . Icy Glamour x 1 box

B382 HK$299 39,500 points Icy Mooncakes.Icy Fantasy x 1 box

B383 HK$175 24,000 points Icy Mooncakes.Icy Lover x 1 box

B384 HK$57 9,500 points Twinie Icy Mooncakes x 1 pack

B385 HK$468 95,800 points Durian Hill Signature Black Gold Musang King Durian Snowy Mooncake (Moonlite) x 1 box

B386 Durian Hill Musang King Durian Snowy HK$398 81,500 points Mooncake (Joy) x 1 box

*Offers available while stock lasts. When the redemption application is approved, the Bank will send the designated mooncake coupon(s) via mail. For redemption details, please refer to the terms and conditions of the coupon(s).

Principal Cardholder Information

Name (English) (The name should be the same as appeared that shown on the Credit Card.)

Credit Card Expiry Date (MM) ___ / (YY) ___

Credit Card No. ______- ______- ______- ______

(Remarks: Each redemption application for the Program only allows bonus points deducted from above principle Card account.)

Daytime Contact No. (852)

Signature of Principal

Cardholder X______(correspond with the specimen signature of your Credit Card account)

Date of Application

I agree to authorize the Bank to debit the required bonus points from my Credit Card Account as stated above. I certify that the information provided is true. I have read and agreed to accept & be bounded by Bank of Communications “Mid-Autumn Festival Mooncake Redemption Program” terms and conditions.

Terms and conditions – Bank of Communications Credit Card “Mid-Autumn Festival Mooncake Redemption Program”: 1. Bank of Communications Credit Card “Mid-Autumn Festival Mooncake Redemption Program” (“the Program”) is applicable to the Cardholders (“the Cardholders”) of Principal Credit Card(s) issued by Bank of Communications Co., Ltd. ("the Bank") in Hong Kong whom have chosen Bonus Points Reward Program as spending reward and such other credit cards designated by the Bank from time to time (“Credit Card”). It is not applicable to Supplementary card, the Pacific Internet card and gift card. 2. The Program is from 29 July 2019 to 29 August 2019 while the Special Item - Wing Wah Flow Heart Custard Mooncake only available from 29 July 2019 to 15 August 2019 (both dates inclusive) (Promotion Period). 3. To redeem the Wing Wah Shop and Durian Hill (“the designated Merchants”) Mid- Autumn Festival Mooncake coupons (“Mooncake Coupons”), Cardholder is required to submit the redemption application form to the Bank via mail or fax during the Promotion Period(s). Late submission will not be accepted (based on the date of receipt by the Bank).

Designated Mooncake Coupons Face Redeem at Discounted Value Bonus Points Wing Wah Flow Heart Custard Mooncake HK$368 56,000 points

^ special item redemption available from 29 July 2019 to 15 August 2019

White Lotus Seed Paste Mooncake (3 Yolks) HK$388 50,500 points White Lotus Seed Paste Mooncake (2 Yolks) HK$378 49,500 points Lotus Seed Paste Mooncake (2 Yolks) HK$368 48,000 points Nuts Mooncake (With Jin Hua Ham) HK$398 52,000 points Bird's Nest Combo Icy Mooncakes.Icy Glamour HK$322 42,500 points Icy Mooncakes.Icy Fantasy HK$299 39,500 points Icy Mooncakes.Icy Lover HK$175 24,000 points Twinie Icy Mooncakes HK$57 9,500 points Durian Hill Signature Black Gold Musang King Durian HK$468 95,800 points Snowy Mooncake (Moonlite) Durian Hill Musang King Durian Snowy Mooncake (Joy) HK$398 81,500 points

4. Please refer to following timeline for The Redemption Periods of Mooncake Coupons. For details and places of redemption, please refer to the terms and conditions of the Mooncake Coupons. Wing Wah Flow Heart Custard Wing Wah Traditional Wing Wah Icy Durian Hill Mooncake

Mooncake B376 Mooncake B377-380 Mooncake B381-384 B385-386

Program from 29 July 2019 to 15 August from 29 July 2019 to 29 August 2019

Period 2019

Redemption Redeem at Hong Kong Wing Early birds: Redeem at below

Period Wah outlets (except Airport, Tai Redeem at Hong Kong Wing Wah outlets (except locations (Mongkok,

Wing Wah Restaurant Kwoloon Airport, Tai Wing Wah Restaurant Bay, popup Wanchai, Kwai Chung,

Bay, popup stalls) from now till 3 stalls) from now till 8 September 2019 Tsuen Wan) from now till 8

September 2019 Final Redemption: September 2019

Redeem at selected 15 outlets from 9 September to 11

September 2019

5. Once the redemption application is approved, the Bank will send the Mooncake Coupons to the Cardholder’s monthly statement address in 10 working days or starts on 9 August 2019 (whichever is later). The required bonus points will be deducted from the Credit Card account immediately upon successful application and will be shown on the monthly statement of the following month. If no Mooncake Coupons have been received in 5 days upon the Program Periods end, the Cardholder should call the Customer Service Hotline 223 95559 for enquiry. 6. Up to 4 Mooncake Coupons per mailing. If Cardholder redeems more than 4 Mooncake Coupons, the Bank will mail out in batches. 7. Once the redemption application is approved by the Bank (regardless of the means of submitting the application), neither amendment nor cancellation can be made. 8. Each redemption application for the Program only allows bonus points deducted from one principle Card account of the Cardholder. The accumulated bonus points cannot be transferred among the principle Card accounts of the cardholder. 9. Coupon redemption available on a first-come-first served basis while stock lasts. Coupons cannot be returned, converted or exchanged for cash. If there is any loss, loss of theft or damage, the Bank shall not take any responsibility and will not have any compensation or reissue. 10. To be eligible for this Program, the eligible Credit Card Account must be valid and in good financial standing. Any fraud and abuse, false trading and other unauthorized, cancelled, refunded or unposted transactions is not applicable for this program. The Bank reserves the right to debit the amount equivalent to the value of the Coupons from the relevant credit card account without prior notices. 11. The Bank reserves the right to vary the terms and conditions, to change or terminate the Programs at any time without prior notice. The Bank accepts no liability for any matters relating to changes or termination of the Program. 12. The Cardholders should understand that the details of images, products/ services of the gifts are provided by the Supplier and for reference only. Actual product appearance may be subject to change. The Bank has no responsibility or obligation to the gift provided by the Supplier under any circumstances. Any disputes or complaints (include but not limit to its quality and quantity) in respect to gift should be directed to the merchants. 13. No person other than the Customer and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to

enjoy the benefit of any term under these Terms and Conditions. 14. In case of any disputes, the Bank's decisions shall be final and conclusive. 15. If there is any inconsistency or conflict between the English and Chinese versions of these terms and conditions, the Chinese version shall prevail.

To borrow or not to borrow? Borrow only if you can repay!

Bank of Communications (Hong Kong) Limited (A wholly owned subsidiary of Bank of Communications Co., Ltd.)