If the value on your Octopus reaches zero or a negative balance, your Octopus needs to be reloaded before it can be used again.

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Octopus User Guide Thank you for choosing Octopus, a stored-value contactless smart card good for payment on public transport, at car parks, parking meters, retail shops, self-service kiosks, recreational facilities, school campuses and for some residential and commercial buildings as access control. This leaflet is designed to guide you on how to use and take care of your Octopus. As the information in this leaflet may change from time to time, if you need up-to-date or further information, please visit our website www.octopus.com.hk, or contact the Octopus Customer Service Hotline on 2266 2222. How to Use your Octopus Simply hold your Octopus over an Octopus reader until the transaction is complete with a dood sound and the remaining value shown on the screen. The transaction amount will be automatically deducted from your Octopus. If the value on your Octopus is positive (HK$0.1 or above) but insufficient to cover the full value of your transaction, you can still complete the transaction by incurring a negative value of up to HK$35 which will be automatically recovered when your Octopus is next reloaded. If the value on your Octopus reaches zero or a negative balance, your Octopus needs to be reloaded before it can be used again. If you have not added value to your Octopus for a period announced by us from time to time, we will, for your own and our protection, deem your Octopus to be no longer in use, and your Octopus will be deactivated. Special offers for Octopus holders are given directly by transport companies or merchants and subject to the terms and conditions of the respective companies. The use of your Octopus is subject to the Conditions of Issue of Octopus, which is downloadable from our website www.octopus.com.hk, and available from or displayed at designated MTR stations.

Octopus Types and Fare Concession Eligibility 1) On-Loan Octopus Type Deposit Initial Stored Value Handling Charge Total Amount Fare Concession Eligibility Standard Child HK$50 HK$20 HK$70 Age 3-11 Adult HK$50 HK$100 HK$150 No concession Elder HK$50 HK$20 HK$70 Please check with transport companies concerned Personalised HK$50 HK$30 HK$20 HK$100 Automatic An On-Loan Octopus is an Octopus we lend to you upon your payment of a deposit. The HK$50 refundable deposit includes card cost and a provision for negative value up to HK$35 on a single occasion. A Personalised Octopus is printed with the name and photograph (optional) of the cardholder. It functions automatically as a Child, Adult or Elder Octopus by recognising the cardholder s age stored on it. The Octopus holder can therefore easily and automatically enjoy any concessionary fares offered by the transport companies (cardholders of Personalised Octopus must be aged three or above). Applications of and special offers to Personalised Octopus with Student Status or Persons with Disabilities Status are subject to the terms and conditions of the respective transport companies offers. 2) Sold Octopus From time to time we may offer a specially designed Sold Octopus for sale at selected locations. A Sold Octopus holds no deposit. 3) Bank Issued Octopus Bank Issued Octopus is a card or product with Octopus function issued by a bank or financial services company authorised by us. It incorporates banking and/or payment functionality and is subject to the terms and conditions of the issuer. 4) Cross-border Octopus Cross-border Octopus is available at selected sales outlets and can be used at various transport and retail service providers. The card can be reloaded in cash in HKD in Hong Kong and RMB in Mainland China respectively through designated add value service providers in both places. 5) Octopus Mobile SIM Octopus Mobile SIM is a mobile phone SIM card incorporated with Octopus function. The Octopus Mobile SIM consists of both Octopus function and telecommunication function when operated with NFC (Near Field Communication) enabled mobile phone as tested by Octopus Cards Limited.

Authorised Distributors of Octopus 1) On-Loan Octopus Outlets/Channels Standard Octopus Personalised Octopus MTR Customer Service Centres All (Except Racecourse Station) Chai Wan, Choi Hung, Diamond Hill, Hung Hom, Kwai Hing, Lai Chi Kok, Lam Tin, Lo Wu, Lok Ma Chau, Quarry Bay (Taikoo Place), Sai Wan Ho, Sha Tin, Sheung Shui, Tai Wo Hau, Tung Chung and Yau Tong Light Rail: Tuen Mun Ferry Pier; Town Centre; Leung King; Tin Yat and Yuen Long Light Rail: Tuen Mun Ferry Pier; Town Centre; Leung King; Tin Yat and Yuen Long New World First Ferry Customer and Octopus Service Centres Piers of Cheung Chau, Mui Wo, Central Piers 5 & 6 Kowloon Motor Bus Ticketing Office Lok Ma Chau Ticketing Office Financial Institutions offering Automatic Add Value Service (AAVS) Submit application together with AAVS application The authorised outlets/channels may change from time to time. If you need up-to-date or further information, please visit our website www.octopus.com.hk You can change the language display option of your Octopus at any public transport outlet listed above. 2) Sold Octopus Sold Octopus is available at designated retail outlets or from our online shop www.octopus.com.hk as announced from time to time. 3) Bank Issued Octopus You can apply for a Bank Issued Octopus through issuing banks or authorised financial services companies. 4) Octopus Mobile SIM Octopus Mobile SIM is available at authorised mobile network operators.

Reloading your Octopus 1) Automatic Add Value Service (AAVS) If you are aged 18 or above and possess a valid credit card from any AAVS participating financial institution, you are eligible to link an Octopus with your credit card to enjoy the convenience of AAVS. With AAVS, your Octopus reloads automatically when it reaches zero or a negative balance, or is insufficient to settle the transaction. Each Octopus can be automatically reloaded only once a day. There are three types of auto reload options: HK$150, HK$250 or HK$500 offer by different participating financial institutions. You can choose the reload amount at the time of application or change it afterwards through your financial institution. The reloaded amount will be deducted from your designated credit card account after every AAVS transaction and will be clearly shown on your monthly credit card statement. You can apply for AAVS for a maximum of three Octopus for yourself at three different participating financial institutions. You can link AAVS with your credit cards for up to three Octopus of family members, relatives and/or friends, who are 12 years old or above. Application Call our AAVS Application Hotline on 2266 2338 or complete the application form from your preferred financial institution. Once the application is approved, you will receive a letter advising you to activate AAVS at any MTR Customer Service Centre. Users of Octopus PC Reader can activate their AAVS online. Application forms are available at all participating financial institutions or can be downloaded from our website www.octopus.com.hk. Phone or online applications are available with some financial institutions. Fees There is no application fee for first-time AAVS applications. If your Octopus already has or previously had AAVS linked to it, there is a non-refundable fee of HK$20 charged for transferring the AAVS from one financial institution to another, or reactivation of AAVS following suspension or cancellation. Such fees will be charged to the designated AAVS account. For current AAVS users, application for linking AAVS to a second or third Octopus whose AAVS function has never been activated is free of charge. The transfer of an AAVS account from one financial institution to another can be done without cancelling your AAVS. Simply submit an application to your newly designated financial institution. A fee of HK$20 will be deducted from your new AAVS account once the application is approved. AAVS Application Hotline 2266 2338 (Please turn over)

2) Other Reloading Channels You can reload your Octopus up to its stored-value limit of HK$1,000 in the following ways in Hong Kong: Octopus Readers Customer Service Centres Add-Value Machines ATMs Location All authorised Add Value Service Providers (most major retail chains) Selected car parks MTR Customer Service Centres KMB Customer Service Centre New World First Bus Customer Service Centre (Admiralty (East) Bus Terminus) New World First Ferry Customer and Octopus Service Centres (Piers of Cheung Chau, Mui Wo, Central Piers 5 and 6) Citybus Customer Service Centre (Airport Ground Transportation Centre) MTR / selected Light Rail stations AEON ATM Network (Please visit AEON website www.aeon.com.hk for details) Reloading method By cash: Adult: Multiples of HK$100 Child/ Elder: Multiples of HK$50 By cash: Multiples of HK$100 # By cash: Adult: Multiples of HK$100 # Child/Elder: Multiples of HK$50 By cash: Adult/Child/Elder: Multiples of HK$100 By cash: Only accept unfolded, unclipped and untaped HK$50 or HK$100 banknotes The banknotes must be inserted one at a time but not in multiples all at once The Octopus must not be folded, damaged, clipped or attached with other objects Debit from AEON Credit Cards in amounts of HK$100 / $150 / $250 or $300 to $1,000 (multiples of HK$100) # At the discretion of individual transport companies or car parks, the reloading amount for Adult Octopus may be in multiples of HK$50. Lost Octopus Reporting Service The Lost Octopus Reporting Service is offered to the holders of Personalised Octopus or Octopus with AAVS. Such service is not available to other Octopus as they are anonymous and transferable, and our system does not hold any information to support verification of the user identity. Lost Octopus Reporting Simply call the Lost Octopus Reporting Hotline on 2266 2266, a 24 hour Interactive Voice Response System, and follow the instructions to complete the loss reporting procedure. All other channels of loss reporting, including fax or e-mail, are not accepted. Once you have reported loss of your Octopus, it will be disabled and cannot be re-activated. If your Bank Issued Octopus is lost, please contact the issuing bank or financial institution directly.

Protection By reporting to the Lost Octopus Reporting Hotline, you can prevent unauthorised use of your lost Octopus and minimise possible loss. The balance of the deposit (if applicable) and the remaining value (if any) stored on your lost Octopus three hours after successful loss reporting will be refunded to you. You only need to bear the loss arising from unauthorised use by others (including any AAVS reload) of the lost Octopus for three hours after successfully reporting the loss. If your Octopus is a Personalised On-Loan Octopus or On-Loan Octopus with the AAVS, a fee of HK$50 (inclusive of administrative fee and card cost) will be deducted from the deposit should that Octopus be reported lost. If the lost Octopus is a Personalised Sold Octopus or Sold Octopus with the AAVS, a fee of HK$20 will be charged. A refund cheque will be mailed to you within seven working days after the loss report. Lost Personalised Octopus Replacement Octopus replacement service is only available if you are reporting the loss of a Personalised Octopus. You can make such a request when you report the loss via the Lost Octopus Reporting Hotline. The replacement cost for a Personalised Octopus is HK$70, covering: A new Octopus deposit of HK$50 A non-refundable fee of HK$20 AAVS Transfer or Reactivation You can make a request to transfer your AAVS from your lost Octopus to a new one when you report the loss via the Lost Octopus Reporting Hotline. Transferring the AAVS function to another Octopus or reactivation of AAVS following suspension or cancellation will incur a non-refundable fee of HK$20. Lost Octopus Reporting Hotline (24 hours): 2266 2266 Getting a Refund You can return an Octopus for refund of the remaining value and the deposit (if any) at any MTR Customer Service Centre. If your Octopus is not damaged or altered, and the amount to be refunded is below HK$500, you will receive an on-the-spot refund after deducting applicable fees as listed below, otherwise your Octopus will be returned to Octopus Cards Limited for processing, and you will receive a refund cheque or be notified of the refund arrangement within nine working days. Only the remaining stored value (if any) on a Sold Octopus, but not its selling price, will be refunded. Once refunded, the Octopus function on the Sold Octopus will be cancelled and cannot be re-activated. Octopus Rewards members are reminded to use up all their Reward$ on their Octopus before getting a refund from any MTR Customer Service Centre, as the Reward$ cannot be recovered after return for refund. Bank Issued Octopus should be returned directly to the issuing bank or financial services company, instead of any MTR Customer Service Centre or Octopus Cards Limited, for refund processing. Octopus Mobile SIM users can go to any MTR Customers Sevice Centre to cancel the Octopus function and receive on-the-spot refund for amount below HK$500. For remaining value of HK$500 or above, you should request for cancellation and refund on our website www.octopus.com.hk. Applicable fees:

For all On-Loan Octopus (excluding Personalised Octopus), there is a handling fee of HK$9 for any such Octopus returned within 90 days from the date of issue. No charge for the return of Personalised On-Loan Octopus which was issued prior to 1 November 2004. Otherwise there is a charge of HK$10. For all On-Loan Octopus, there is a fee of HK$30 charged for any such Octopus that is returned in a damaged condition such as through delaminating, bending, cutting, breaking, graffiti or attachment of materials and/or objects on such Octopus by any means. Checking Transaction Records and Remaining Value Each time you pay with your Octopus, the transaction amount and the remaining value will be shown on the screen of the reader or on a printed receipt. You can check the remaining value details for your last 10 transactions using the Octopus Service Points in high traffic locations throughout Hong Kong*; or the Octopus Enquiry Machines at MTR stations at no cost. * For the full list of the Octopus Service Points locations, please visit our website www.octopus.com.hk AEON credit cardholders can also check the remaining value of their Octopus using some designated AEON ATMs installed with Octopus readers. You can check your latest transactions using an Octopus PC reader or through the Octopus App developed for NFC (Near Field Communication) enabled mobile devices (the number of transactions is according to various card types). You can also request a print-out of your last 10 transactions at any MTR Customer Service Centre, 7-Eleven or Circle K outlet for a fee of HK$3 charged by these service providers. If you are an individual Personalised Octopus holder or Automatic Add Value Service user (whether you are holding an Octopus issued by us or a Bank Issued Octopus), you can request a print-out of your Octopus transactions for a fee as follows: Transactions within one (1) year HK$50 for each month subject to a maximum of HK$250 Transactions within two (2) years HK$750 Transactions within three (3) years HK$1,000 Each additional year over three (3) HK$1,000 years (up to seven (7) years) The request can be made by calling the Octopus Customer Service Hotline on 2266 2222 or in writing and sent to Operations Department Customer Relations, Octopus Cards Limited, together with the applicant s proof of identity, by fax at 2266 2211 or mail to P.O. Box 68817, Kowloon East Post Office, Kowloon, Hong Kong, or via the Octopus website at www.octopus.com.hk.

If your Octopus Malfunctions It is rare for Octopus not functioning, but if it happens, please seek assistance at any MTR Customer Service Centre. If yours is a Bank Issued Octopus, please return it to the issuing bank/financial institution for refund processing and/or card replacement. For the cross-border Octopus, you should contact any MTR and Light Rail Customer Service Centre in relation to the Octopus HKD e-purse and the designated Customer Service Centre in Mainland China in relation to the RMB e-purse. 1) Standard On-Loan Octopus not linked with AAVS If your Octopus cannot be immediately reactivated, a refund of the remaining value (if any) on the malfunctioning Octopus can be obtained at any MTR Customer Service Centre within two months, starting from the seventh working day after the refund application. 2) Personalised Octopus or Standard On-Loan Octopus with AAVS If your Octopus cannot be immediately reactivated, it will be returned to Octopus Cards Limited for refund arrangement, issuing a replacement Personalised Octopus, or transferring the AAVS function to another Octopus (if applicable). 3) Sold Octopus Some Sold Octopus comes with a warranty issued by Octopus Cards Limited or the licensees. If a Sold Octopus malfunctions within the warranty period, handling procedures will be subject to the respective terms and conditions. For enquiry, please call the Octopus Customer Service Hotline on 2266 2222. 4) Octopus Mobile SIM If your Octopus Mobile SIM malfunctions, you should use our online application on our website www.octopus.com.hk for cancellation and refund of any remaining value. Under normal circumstances, your application will be processed within seven working days. The refund cheque will then be mailed to your corresponding address of this application. Inactive Octopus Reactivation and Return Your Octopus will become inactive if you have not added value to it for a continuous period of 1,000 days. Please visit any Customer Service Centre at MTR stations to reactivate or arrange for refund of the deposit* and remaining value (if any). * A Sold Octopus is without deposit, non-returnable and non-replaceable.

Handy Tips To protect your Octopus, PLEASE DON T: Hold more than one Octopus, or an Octopus with another contactless smart card over an Octopus reader at one time. Remove your Octopus too quickly over a reader. If the transaction is incomplete, present the same Octopus over the same reader again. Tamper with your Octopus, such as bend, cut or paste objects or materials on it. Otherwise, transactions will not be honoured, remaining stored value and deposit will not be refunded. Put your Octopus in your back pocket, or place it near zippers, studs and coins, as the microchip may be damaged. Pass your Personalised Octopus or your Octopus with AAVS to another person. Purchase unauthorised Octopus products, as transactions of tampered Octopus will not be honoured, and the remaining value stored on these tampered Octopus will not be refunded. To protect your interest, PLEASE: Record the Octopus number for future reference. Unidentifiable number may affect the successful refund for stored value and deposit. Your Octopus will become inactive if you have not added value to it for a continuous period of 1,000 days. Please visit any Customer Service Centre at MTR stations to reactivate or arrange for refund of the deposit and remaining value (if any). Octopus Cards Limited Octopus Customer Hotline: (Hotline service hours: Monday Saturday: 9:00am 9:00pm, except public holidays) 2266 2222 Lost Octopus Reporting Hotline (24-hour): 2266 2266 Automatic Add Value Service Application Hotline: 2266 2338 Octopus website: www.octopus.com.hk Octopus pledges to our customers who have supplied their personal data in applying for our services that we strive for full compliance with the Personal Data (Privacy) Ordinance. Details of our policies and practices in relation to personal data are set out in our Privacy Policy which can be downloaded from the Octopus website.. CS/L369 Dec2014-E