Note 1: Payroll Mobile Reward will be credited as BOC Credit Card Free Spending Credit¹³
Complete any TWO of the following items via BOCHK Mobile Banking: (1)Register for Payroll Account (2)Successfully opened BOC Mastercard^®Debit Card and accumulate spending of HK$5,000 (or its equivalent) or above (3)Successfully granted with BOC Express Cash Instalment Loan (4)Buying/Selling Securities (5)Foreign Currency Exchange (6)Place Time Deposit (7)Successfully applied and granted with BOC Cheers Card or BOC Chill Card or BOC Dual Currency Card (8)Successfully set BOCHK account as the FPS Default Account (9)Successfully binding BoC Pay+
Note 2: Up to 1% cash rebate is only applicable to Private Wealth customer, while Wealth Management, Enrich Banking and iFree Banking customer can enjoy up to 0.8% (RMB spending) or  0.5% (other currencies spending) cash rebate.
Note 3: The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0799%. The Annualised Percentage Rate (“APR”) is 1.78%, without handling fee.
Note 4: Successfully apply for BOC Cheers Card can enjoy up to 300,000 Points Welcome Offer, successful application through this promotion can enjoy extra 25,000 Points (at the ratio of every 250 points to HK$1), equivalent to HK$1,300. New customers who successfully applied BOC Chill Card through this promotion can enjoy "Extra HK$100 Welcome Offer", and "HK$500 Welcome Offer" if the customers meet the relevant spending requirement, up to a total of HK$600 Welcome Offer.
Note 5: If the amount of cash rebate reward is in excess of 1% of the mortgage loan amount, it is required to treat the entire amount of cash rebate reward as part of the mortgage loan amount for the purpose of calculating the loan-to-value ratio.
Note 6: Only applicable to deposit of all HKD and foreign currency (only for RMB and USD) savings accounts, but not applicable to the deposit of current accounts. Preferential Savings Offer will be calculated by the method of additional interest (“1.5% savings annual interest rate” minus“board rate” (savings annual deposit rate) of BOCHK) and will be credited to the Payroll Account of the Eligible Customers in the form of cash reward on or before 31 July 2025. For USD and RMB savings deposits, additional interest will be converted into HKD, on a daily basis, at the exchange rate determined by BOCHK.
Note 7: The designated travel insurance plans are underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance"). For more product information and policy terms, please visit Bank of China (Hong Kong) Limited (“BOCHK”) official website at www.bochk.com. BOCHK official website > Insurance > Travel and Leisure

Promotion Period: 1 April 2025 to 30 June 2025

Personal Customer Service Hotline: +852 3988 2388 | www.bochk.com

The above products, services and offers are subject to terms and conditions. For details, please refer to relevant terms.

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

Investment and foreign currency trading involve risks and buy-sell spread.

BoC Pay+ SVF License Number: SVFB072

General Terms

• The above offers are only applicable to personal banking customers.
• Customers can enjoy the above offers simultaneously. However, these offers cannot be used in conjunction with other promotion offers that are not listed in this promotion material.
• The rewards cannot be exchanged for other gifts, and is also non-refundable and not for sale.
• Apple and Apple logo are trademarks of Apple Incc., registered in U.S. and other countries. App Store is a service mark of Apple Incc.. Android, Google Play, and the Google Play logo are trademarks of Google Incc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and HUAWEI EXPLORE IT ON AppGallery logo are trademarks of Huawei Technologies Co., Limited.
• Customers are responsible for the data charges of downloading or using BOCHK Mobile App, BoC Pay Mobile Application, Internet Banking / Mobile Banking, or any designated Mobile App / Website mentioned above, imposed by their service providers.
• Please download mobile applications from official application stores or BOCHK website, and ensure the search wording is correct.
• By using BOCHK Mobile App and/or Mobile/Online Banking, the viewer agrees to be bound by the content of the disclaimer and policy as it may be amended by BOCHK from time to time and posted on BOCHK Mobile App and/or Mobile/Online Banking.
• The above products, services and offers are subject to the relevant terms and conditions. For details, please refer to the relevant promotion materials or contact the staff of BOCHK, the relevant Insurer and/or Card Company.
• BOCHK, the relevant Insurer and/or Card Company reserves the right to amend, suspend or terminate the above products, services and offers and to amend the relevant terms at any time at their sole discretion.
• The above offers are not applicable to the staff of BOCHK and its subsidiaries.
• Should there be any discrepancies between the Chinese version and English version of this promotion material, the Chinese version shall prevail.
• Manned Phone Banking Services are only applicable to selected customers. For details, please contact BOCHK’s staff.
• In case of any disputes, the decision of BOCHK, the relevant Insurer and/or Card Company shall be final and conclusive.

Risk Disclosure
The following risk disclosure statements cannot disclose all the risks involved and does not take into account any personal circumstances unknown to BOCHK. You should undertake your own independent review and seek independent professional advice before you trade or invest especially 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. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge.

Risk Disclosure of Securities Trading
Risk of Securities Trading
Monthly Stocks Savings Plan is not equivalent to, nor should it be treated as a substitute for, time deposit. The prices of securities fluctuate, sometimes dramatically. The price of a 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 of Securities Margin Trading
The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop- limit" orders. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge.

You are reminded to understand the relevant details, risks, charges and important notes before investing in Shanghai A shares or Shenzhen A shares. For details, please read the “Important Notice of Trading China A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect and Shenzhen- Hong Kong Stock Connect”in BOCHK’s website or the branch staff of BOCHK.

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. Currency exchange is also subject to cost (being the spread between the buy and sell of relevant 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. Currency exchange is also subject to cost (being the spread between the buy and sell of RMB).

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.

Important Notice of US Securities
You should fully understand the details, risks, charges and important notice before invest in US securities. You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products.

US securities investment services are not applicable to U.S. persons and might only be applicable to limited jurisdiction. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

Since the server requires regular maintenance services, the system will not be able to provide the trading, fund transfer, checking securities custody , enquiring transaction records and corporate action services at the following time: Hong Kong time Saturday 12:00pm – 12:30pm.

Since the server requires additional maintenance services, the system will not be able to provide the trading, fund transfer and corporate action services (enquiry function remains normal) at the following time: Hong Kong time daily 12:45pm – 5:30pm (during Standard Time in the United States- from the first Sunday in November to the second Sunday in March) or 11:45am – 4:30pm (during Daylight Saving Time in the United States- from the second Sunday in March to the first Sunday in November).

This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service and it should not be considered as investment advice.

This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.

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