1.1 This offer is only applicable to customer who holds at least one RMB Savings Account upon successful

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1 Offer Terms: 1. More Deposit,Higher Interest Rate 1.1 This offer is only applicable to customer who holds at least one RMB Savings Account upon successful opening of a BIA during the Promotion Period ( Eligible Customer of Interest Rate Offer ). If an Eligible Customer of Interest Rate Offer holds more than one RMB Savings Accounts, he/she can only enjoy this offer with one of his/her RMB Savings Account ( Eligible Account ). 1.2 Eligible Customer of Interest Rate Offer can enjoy this offer for the first 3 months after the opening of BIA. The calculation of Preferential RMB Savings Deposit Rate starts from the 5 th business day (excluding Saturdays) after the date of BIA opening and is calculated on the basis of daily account closing balance in the Eligible Account. 1.3 For the first 3 months, the interest will be paid monthly and will be credited to the Eligible Account on the first working day of the following month. After that, the interest payment cycle will resume as the ordinary RMB Savings Account. 1.4 After the first 3 months upon the opening of BIA, the daily account closing balance maintained in the Eligible Accounts will be subject to the Bank s Prevailing RMB Savings Deposit Rate. 2. $0 Handling Fees for SME Loans 2.1 Please refer "Business Integrated Account" Customer Privileges - Loan Solutions for offer details. 2.2 The promotion period is from 4 July to 30 September 2016 (both dates inclusive) (promotion period). 2.3 First 200 Business Integrated Account customers who successfully apply for Asset-Pledge Loan (Instalment loan or Overdraft), SME Financing Guarantee Scheme (Instalment loan or Overdraft) or BOC Small Business Loan Instalment Loan through any channels of Bank of China (Hong Kong) Limited ( BOCHK ) within the promotion period and draw down the loan, Successfully enroll in BOC Business Comprehensive Insurance Plan and successfully apply BOC Commercial Card ( Eligible Customers ) on or before 30 December Instalment loan can enjoy full waiver on handling fee; Overdraft can enjoy waiver on first year handling fee. The instalment loan or overdraft handling fee would be provided in the form of rebate. BOCHK will deposit the handling fee rebate into the Eligible Customers designated repayment accounts on or before 30 April Successfully enroll in BOC Business Comprehensive Insurance Plan refers to (i) customer must submit the duly completed and signed application form(s) to Bank of China Group Insurance Company Limited ( BOCG Insurance ) on or before 30 December 2016; and ii) the discounted Annual Premium has been paid in full; and iii) Successfully Approved and Accepted by BOCG Insurance; and iv) the policy(ies) should be effective; and v) this offer is only applicable to new policy application but not applicable to any policy renewal, or re-enrolment after cancellation/ suspension of policy within 3 months. 2.4 Successfully apply BOC Commercial Card refers to successfully apply for 1 or above BOC Commercial Credit Card under your company s name during 4 July 2016 and 30 December % discount of BOC Business Comprehensive Insurance Plan only applies to customers who

2 successfully apply for Asset-Pledged Loan (Instalment loan or Overdraft), SME Financing Guarantee Scheme (Instalment loan or Overdraft) or BOC Small Business Loan Instalment Loan with Business Integrated Account. Premium is calculated based on 20% discount on first-year premium of Basic Coverage (Office) Plan 1. Premium is as low as HKD2.5 per day (HKD1,150 X 0.8 / 365 days). Respective premium calculation is for reference only. Premium payable depends on individual circumstances. 2.7 Handling fee discount offers are not transferable, cannot be redeemed or exchanged for other offers. 2.8 The date of taking up relevant services and the loan drawdown date are subject to BOCHK record. 2.9 The first 200 customers with loan handling fee rebate are subject to BOCHK record For the offer details of BOC Commercial card, please visit The decision of BOCHK shall be final in the approval of application for loan. BOCHK may at its absolute discretion approve or reject any application for loan according to the information provided by corporate customers and may decline any application without providing any reason. The Bank may request other information from corporate customers for approval purpose if necessary. The final terms of the loan will be governed by the Facility Letter and other relevant documents signed between the corporate customers and the Bank Handling fee discount offers are available on a first come first serve basis while quota lasts Threshold for Merchant Acquiring Services 3.1 Please refer "Business Integrated Account" Customer Privileges - Merchant Acquiring Services for offer details. 3.2 The promotion period is from 4 July to 30 September 2016 (both dates inclusive) (promotion period). 3.3 This offer is only applicable to customer with Business Integrated Account and the new customer of BOC Credit Card (International) Company ( Card Company ). Card Company has the sole discretion to decide whether to accept the application of related Merchant Acquiring Services according to the information provided by customer during account opening. Also, Card Company reserves the right to amend the terms of merchant payment services discretion without prior notice. 3.4 Customer shall successfully applies the Card and Octopus Merchant Acquiring Service and submit the duly completed and signed application form(s) to BOCG Insurance to entitle this offer. this offer is only applicable to new policy application but not applicable to any policy renewal, or re-enrolment after cancellation/ suspension of policy within 3 months. Premium is calculated based on 20% discount on first-year premium of Basic Coverage (Office) Plan 1. Premium is as low as HKD2.5 per day (HKD1,150 X 0.8 / 365 days). Respective premium calculation is for reference only. Premium payable depends on individual circumstances.

3 4. Remittances to Mainland China in 5 mins 4.1 Please refer "Business Integrated Account" Customer Privileges - Transaction Payment Solutions for offer details. 5. Dual Currency Commercial Card with 2X reward points 5.1 Please refer BOC CUP Dual Currency Commercial Card for offer details. 5.2 For the offer details of BOC CUP Dual Currency Commercial Card, please visit Remarks Express Corporate Account Opening Opening a business account for sole proprietorship, partnership, and single-layer limited companies with share capital that are registered in Hong Kong can be completed in 5 working days counting from making an appointment, submission of the required documents and company search fees. Since company search for companies with other structure takes time, branches will contact customer for signing account opening documents upon receipt of company search report. Important notes: BOC Business Comprehensive Insurance Plan ( This Plan ) is underwritten by BOCG Insurance. BOCHK is an appointed insurance agent of BOCG Insurance for distribution of the above Plans. The above Plans are products of BOCG Insurance but not BOCHK. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the above Plans should be resolved between directly BOCG Insurance and the customer. BOCG Insurance is authorized and regulated by Office of the Commissioner of Insurance to carry on general insurance business in Hong Kong Special Administrative Region of the People s Republic of China. BOCG Insurance is authorized and regulated by Office of the Commissioner of Insurance to carry on general insurance business in Hong Kong Special Administrative Region of the People s Republic of China. BOCG Insurance reserves the right to accept or decline the application for the above Plans based on the information provided by the applicant and/or the insured at the time of application. This promotional material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy documents and provisions issued by BOCG Insurance for details (including detailed terms, conditions,

4 exclusions, policy costs and fees) of the above Plans. For enquiry, please contact the branch staff of the Bank. 6. The Plan is governed by the terms in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.(same as second last bullets?? If so, please remove). General Terms: All the above products, services and offers are subject to the terms. For details, please refer to the related promotion materials or contact branch staff of Bank of China (Hong Kong) Limited ( the Bank ). The Bank, BOC Credit Card (International) Company ( Card Company ) and BOCG Insurance reserves the right to amend, suspend or terminate the above products, services and offers, and to amend their relevant terms at any time at its absolute discretion without prior notice. In case of any dispute, the decision of the Bank, Card Company and BOCG Insurance shall be final. Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail. Risk Disclosure Statement: The following Risk Disclosure Statement may not disclose all the risks involved. This promotion material does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase, subscription or sale of any investment product or service.you should not rely on the content of this promotion material for making any investment decision. The investment product or services mentioned in this promotion material are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring about profit opportunities, each type of investment product or service comes with its own risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Due to market conditions, some investments may not be readily realised. Before making any investment decision, you should assess your own financial position, investment objectives and experience, willingness and ability to bear risks, and understand the nature and risk of the relevant product. Investment involves risks. Please refer to the relevant fund offering

5 documents for further details including risk factors. If you have any inquiries on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser. Risk Disclosure: Risks of trading of listed RMB products: Investment / Market Risk Like any investments, RMB equity products are subject to investment risk. The price of the RMB equity products in the secondary market may move up or down. Losses may incur as a result of investing in the products even if the RMB appreciates against HKD or other currencies. You are advised to understand the relevant details, charges and important notes before investing in Shanghai A shares. For details, please refer to the Important Notice of Trading Shanghai A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect in Hong Kong Investors Invest in A Shares of Bank website contact BOCHK s staff. Risk of Foreign Currency Trading: Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies. RMB Conversion Limitation Risk RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or transaction of any investment products and services. This promotion material is issued by BOCHK and the contents have not reviewed by the Securities and Futures Commission of Hong Kong.