“Scan and Spend with QR code - Triple Offers Program” Download the brand new UnionPay App To Experience QR code payment and enjoy privileges in Hong Kong, Macau and Mainland China Enjoy exclusive “Scan and Spend with QR code for Triple Offers” The brand-new “UnionPay App” mobile App has been launched. Simply download the UnionPay App from the Apple Store or Google Play with your mobile and register with your Bank of Communications UnionPay Dual Currency Credit Card, you can spend with UnionPay QR code and experience QR code payment and enjoy privileges in Hong Kong, Macau and Mainland China! With increasing linkage between Guangdong, Hong Kong, Macau and the Greater Bay area, QR code payment “UnionPay App” and your Bank of Communications UnionPay Dual Currency Credit Card is definitely a good partner for your "Privileged Travel" cross-border life! Convenient and Preferential Mobile Payment Experiences Privileged Travel: one-click cross-border mobile payment applies at over 7.5 million merchants in Guangdong, Hong Kong, Macau and the Greater Bay China Life Partner: includes daily expenses, payment in Mainland, mobile data re-charge, public transport and car-park Smarter Spender: enjoys bonus points/ spending rewards and up to 55 Days Interest-free Repayment Period UnionPay QR code payment “Scan and Spend with QR code for Triple Offers” From now till 31 December 2018, cardholder can exclusively enjoy “Scan and Spend with QR code for Triple Offers” by downloading UnionPay App with mobile phone, adding a Bank of Communications UnionPay Dual Currency Credit Card and performing UnionPay QR code payment! Reward 1: Registration Offers Receive a red packet 1 of RMB88 AND Spending Rebate 2 of HK$20 by downloading UnionPay App with mobile phone, adding a Bank of Communications UnionPay Dual Currency Credit Card and performing any UnionPay QR code payment. Reward 2: HK$20 Instant Discount Enjoy HK$20 instant discount upon spending HK$30 at designated merchant outlets 3 in Hong Kong with UnionPay App. Reward 3: UnionPay QR code payment 5% Spending Rebate Enjoy 5% Spending Rebate* on UnionPay QR code payment 4. *Each cardholder can enjoy up to HK$100 Spending Rebate during the promotional period. Designated Merchants for UnionPay QR code payment Thousands of Merchants in Hong Kong accept UnionPay QR code payment Dining Ajisen Hong Kong │Carnival Seafood Restaurant │Crazy Car Café │Haidilao Hotpot │Sawadee Thai │Tai Hing Roast │Hung Hom Station Food Court │Food Court 700 Nathan Road Shopping Broadway Lifestyle │Chung Wah Bookstore │Colourmix │Commercial Press │Joint Publishing │Just Gold │Maple │Pricerite │Sasa Cosmetics │Sincere Department Store │Veeko & Wanko Travel Services Chu Kong Shipping Enterprises │Hong Thai Travel Services Ltd. Chinese Medicine & Lung Shing Dispensary │Kai Tai │Wai Yuen Tong Chemist Over 7.5 million Merchants in China accept UnionPay QR code payment Dining McDonald’s │Burger King │Starbucks │Pacific Coffee │Moon Kee Dessert Shopping Mannings │Watsons │IKEA Supermarket & Walmart │FamilyMart │7-11 │Carrefour Convenience Store Transportation Car-Park │Subway Remarks: 1. RMB88 Red Packet: Each Cardholder is entitled to receive red packet once only. The red packet will be credited to the UnionPay App account within 5 to 10 working days upon adding a Bank of Communications UnionPay Dual Currency Credit Card and a successful QR code payment via UnionPay network. The Red Packet is applicable to QR code payment at designated merchants in Mainland China or online shopping via UnionPay network while it is not applicable for cash withdrawal. For the definition of designated merchants, the decision of China UnionPay shall be final. China UnionPay reserves the right to amend the definition of designated merchants at any time. The mechanism of the promotion is not based on random basis. Red packet is available while stock lasts. The RMB88 Red Packet is offered by China UnionPay and UnionPay International Company Limited, for details please visit www.unionpayintl.com/hk/promotion/app. 2. HK$20 Spending Rebate: Each principal card cardholder is eligible to get the rebate for once only. The HK$20 Spending Rebate will be applied to 8,000 Cardholders downloading UnionPay App with mobile phone, adding a Bank of Communications UnionPay Dual Currency Credit Card and performing UnionPay QR code payment. Available at first-come-first-served basis while stocks last. 3. Details of the designated merchants and their stores will be updated at www.unionpayintl.com/hk/promotion/app. 4. Cardholder can enjoy 5% Spending Rebate on UnionPay QR code payment. Each cardholder is eligible to get the rebate amount up to HK$100 during the promotion period. The spending rebate will be credited to principal card account in March 2019. For details please refer to the terms and conditions. Terms and conditions – Bank of Communications UnionPay Dual Currency Credit Card “Scan and Spend with QR code for Triple Offers Program”: 1. Bank of Communications UnionPay Dual Currency Credit Card “Scan and Spend with QR code for Triple Offers Program” (“The Program”) are applicable to the Cardholders (“The Cardholders”) of Principal Card of Bank of Communications UnionPay Dual Currency Credit Card issued by Bank of Communications Co., Ltd. ("the Bank") in Hong Kong (“Eligible Credit Card”). It is not applicable to VISA Cards, Supplementary card, the Pacific Internet card and gift card. 2. Promotional Period is from 16 October 2018 to 31 December 2018 (both days inclusive) (“Promotional Period”). 3. The Program is applicable to Cardholders who download UnionPay App then add the Eligible Credit Card and perform QR code payment via UnionPay network (“UnionPay App transaction”). 4. Cardholders understand and accept that the UnionPay App is provided by China UnionPay and UnionPay International Company Limited (“UnionPay”). The Bank has no responsibility for that. Any responsibility relating to UnionPay App services (include but not limit to its quality and stability) should be directed to UnionPay. Usage of UnionPay App subjected to other terms and conditions. For details please visit www.unionpayintl.com/hk. 5. Security reminder: Cardholder should understand the procedures of using UnionPay App, adding the credit card and making UnionPay App transaction. Be aware of any fake or suspected merchant’s QR code scanner or QR code before transaction. For enquiries, please contact the Bank via Customer Service Hotline 223 95559. 6. All spending transaction dates are counted by the transaction date of the Bank’s record. Eligible Transaction must be posted before the spending rebate credited into designated credit card account. Other unposted transactions (including but not limit to dispute transactions, reversal transactions or delay posted by merchants) are not applicable for this program, and such transactions are non-eligible spending transaction. 7. The offered reward cannot be further sold or transferred to others, exchanged for cash or exchanged to other products or offers. 8. To be eligible to the rewards of 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 will verify the credit card transaction record to confirm credit card accounts' eligibility for the program and the entitlement of the reward. The Cardholders are required to keep the relevant original sales receipts and Credit Card sales slips for inspection upon request by the Bank. In case of disputes, the Cardholders are required to submit the relevant original sale receipt(s) and/ or mobile screen cap of the UnionPay App transaction for further investigation by the Bank. All relevant documents submitted to the Bank will not be returned. In case of discrepancy between the Bank's computer record and details recorded on the credit card sales slip, the Bank's computer record shall prevail. 9. If the Cardholders have cancelled any related transactions which had been included in calculating for the Promotion after promotional period, the Bank reserves the right to debit the amount equivalent to the value of the reward from the eligible Credit Card Account without prior notices. 10. All spending rebate can only be used for retail spending and cannot be refunded, transferred or exchanged for cash, cash advance. 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. In case of any disputes, the Bank's decisions shall be final and conclusive. 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. If there is any inconsistency or conflict between the English and Chinese versions of these terms and conditions, the Chinese version shall prevail. “Reward 1” Welcome Offers – Terms and Conditions: 15. Cardholder is required to download the UnionPay App with mobile phone, adding an Eligible Credit Card and performing any UnionPay QR code payment to receive a RMB88 red packet AND HK$20 Spending Rebate. RMB88 Red Packet : The red packet will be credited to the UnionPay App account within 5 to 10 working days upon adding card and making UnionPay App transaction. Each UnionPay App user is eligible to get the red packet for once during the promotional period. The red packet is applicable to QR code payment at designated merchants in Mainland China or online shopping via UnionPay network while it is not applicable for cash withdrawal. For the definition of designated merchants, the decision of China UnionPay shall be final. China UnionPay reserves the right to amend the definition of designated merchants at any time.