Northbound Privileges
Whether you are traveling northbound with family for leisure, or on business trip yourselves, 
has prepared a series of
"Northbound Privileges" for you, so that every step of the way is
worthwhile and worry-free.
01
Before You Go: Effortless Itinerary Planning
Streamline your travel prep with “Privileges and Rewards” by using BOC Credit Card / BoC Pay+.
-
Up to HK$400 discounts on travel tour/ cruises at Wing On Travel.
-
BOC Go UnionPay Diamond/ Platinum Cardholder can enjoy 10X/5X Gift Points at selected Mainland Mobile Payments
02
On Your Way: Seamless Payments in Chinese Mainland
Experience smooth and barrier-free transactions during your travel. With one-stop account opening and payment solutions, you can shop, dine and explore in Chinese Mainland with ease and confidence
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Greater Bay Area Account Opening Service
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BoC Pay+ Cross Border Payment
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Spending with BOC Mastercard® Debit Card: Direct debit from RMB account and enjoy up to 1% unlimited cash rebate + extra up to HK$500 reward
-
Enjoy a host of promotions at popular Mainland merchants, spend and earn rewards!
03
All the Way: Worry-free Travel Cross Border
Planning a spontaneous trip? You can get coverage for medical expenses, accidents, luggage, and delays; or if you want a long-distance road trip, we can provide third-party liability protection for you!**
-
Greater Bay Area Travel Insurance Plan
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Hong Kong - Guangdong Cross Border Motor Insurance (Unilateral Recognition Extended Cover)
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Universal Smart Travel Insurance Plan
*The above insurance is underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance")
The above information is for reference only. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions. You can visit BOCHK's official website for more product information and policy terms. BOCHK Official Website > Insurance
**Medical, accident, baggage and delay coverages are available for the "Greater Bay Area Travel Insurance Plan" and "Universal Smart Travel Insurance Plan". Third-Party Liability is available for the "Hong Kong - Guangdong Cross Border Motor Insurance (Unilateral Recognition Extended Cover)".
Northbound Spending FUN Reward#
Plan your trip, pay with ease, insure your journey and unlock exclusive offer!
During the promotion
period,
selected customers* fulfilled below requirements:
BOC Credit Card / BoC Pay+
Spending of HK$2,000 (or its
equivalent) or above
+
Successful Enrollment of
“Greater Bay Area Travel
Insurance Plan”
Complete above requirements to have a chance
to earn 25,000 Gift Points Reward
(Offer applicable to selected Private Wealth / Wealth Management FamilyMAX customers)
| # | From October 1, 2025 to December 31, 2025 (the “Promotion period”), the first 500 selected Private Wealth and Wealth Management FamilyMAX customers who spent HK$2,000 (or its equivalent) or more with any BOCHK credit card or BoC Pay+ and successfully enrolled in the Greater Bay Area Travel Insurance Plan, can be entitled to 25,000 bonus points. |
| * | Selected customers include the following designated Private Wealth / Wealth Management FamilyMAX
customers 1)Received an invitation via email / BOCHK Mobile Banking promotion message. 2)Successfully open a Kiddie Sky Savings Account (for those aged under 11) or i-Free Banking (for ages 11-17) for children during the promotion period. 3)Applied for a BOC MasterCard® Debit Card supplementary card during the promotion period. 4)Successfully open a single-name Family Securities Account during the promotion period. |
“Family Elite Care” Plan
Hong Kong Adventist Hospital provides a one-stop medical service to help your family creating a healthy
life experience.
customers can enjoy the “Family Elite Care” Plan exclusively.
Deluxe Health Check-up Plan
- Enjoy exclusive deluxe health check-up services with discounts up to 34% off, and attentive one-on-one full escort throughout the entire process*
-
Four service locations:Hong Kong Adventist Hospital - Stubbs Road, Hong Kong Adventist Hospital - Tsuen Wan, and Hong Kong Adventist Medical Centre - Causeway Bay and Taikoo Place
- Private VIP rooms and customized meal arrangements*
- One-stop health management and follow-up consultations provided by a professional medical team after health check-up
- Remote explanation of health checkup reports. Report also available in Traditional Chinese, Simplified Chinese and English*
- Luxury cross-border limousine service (charge will be applied) - point-to-point transfers cover Hong Kong and cross-border routes, including Macau, the Greater Bay Area and ports, etc.
“CarePlus” Health Management Follow up Solutions
-
Optional Health Management Follow up Solutions
1
Personal Health: 3D posture analysis follow-up by physiotherapist, consultation with registered dietitian and influenza vaccination2
Child Development: Speech therapy follow-up for children and adolescents and consultation with registered dietitian3
Traditional Chinese Medicine: Traditional Chinese Medicine health conditioning and Moxibustion Therapy
Exclusive VIP privileges
- VIP Hotline - provide one stop booking and referrals support*
*The above services may vary depending on the facilities and services available at the designated Hong Kong Adventist Hospital or Adventist Medical Centre (“Merchant”). For details, please refer to the respective Merchant’s website or promotional materials.
Terms and Conditions:
- Promotion period is valid from October 27, 2025 until December 31, 2026 (both days inclusive).
- This Program is only applicable to Private Wealth and Wealth Management customer of Bank of China (Hong Kong) Limited (“BOCHK”) (“Eligible Customer”).
- The above services will be determined by the services available at the designated Hong Kong Adventist Hospital or Medical Centre (the “Merchant”). For details, please refer to the promotional page on the Merchant’s website.
- Eligible Customers must pay the service(s) by using BOC Credit Cards, BOC UnionPay Dual Currency Credit Cards and BOC Co-branded Cards issued in Hong Kong bearing the BOC logo or BOC MasterCard® Debit Card.
- Should there be any illegal or fraudulent act committed by a customer, BOCHK and the Merchant have the right of forfeiture of a customer’s eligibility to participate in this Program and reserve the right to take legal action in such instances.
- The above products, services, and offers are subject to terms and conditions from the Merchant. For details, please refer to the promotional page on the Merchant’s website. BOCHK is not the Merchant and / or a provider of their services. BOCHK accepts no liability for the products and/or services provided. Any enquires, opinions, claims, complaints or disputes regarding the products and/or services should be directed to the Merchant and /or relevant service provider. BOCHK accepts no liability for and does not guarantee the quality of the product and/or service and/or any other matters relating to the product and/or service provided by the Merchant or the service provider, and does not accept any liability arising in conjunction with the product and/or service provided. The Merchant and/or the service provider of the product and/or service are solely responsible for all obligations and liabilities relating to product and/or service.
- BOCHK and the Merchant reserve the right to amend, suspend or cancel the Program or its terms and conditions and the right of final decision on all matters and disputes.
- In case of disputes, BOCHK and the Merchant reserve the right of final decision on all matters.
- Should there be any discrepancy or inconsistency between the English and the Chinese versions of these terms and conditions, the Chinese version shall prevail.
International Education Privileges and Support
has always been
committed to providing you and your family with comprehensive services in "Junior Account”, “Family
Wealth” and "Family Health".
customers can enjoy
exclusive privileges on overseas study-related support services to help your children through the
ever-evolving landscape of global university admissions and achieve their educational goals.
Once you successfully complete a Complimentary 1 hour consultation session with Crimson Education, you are eligible to receive:
A practical, insider guidebook to gaining admission to elite universities
“Planning Your Way into World-Class Universities: Nine Driving Forces for Distinctive Learning” or “Accepted!”
Complementary University Admissions Resource Package
Include:
- 10 successful America’s best universities application letters
- 5 successful Oxford and Cambridge university application letters
- 10 case studies on students’ extracurricular and leadership experience
- White papers for applying to study at top UK universities
- White papers for applying to study at top US colleges
- White papers for essay development for US college application
A Complete Assessment of the Educational Process of Successful Students in Hong Kong Resource
Package
(Top Secret Version)
Offer and Privileges:
US & UK Admission Services
up to 10% off^
Priority booking
to participate exclusive education counseling experiences, annual study tours or academic activities
worldwide
customer support
customer support
Supported by Hong Kong team, China team and the team around the world of Crimson Education.
^Including: US & UK Consulting 10% off, US or UK Consulting 5% off, Crimson’s Internship Programs, Workshop & Courses 5% off and US/UK Tours Service 5% off
The above products, services, and offers are subject to terms and conditions. BOCHK is not the provider of these offers. Customers should contact the relevant providers directly for any inquiries or complaints regarding these offers. BOCHK does not guarantee the offers or services provided by these providers, nor is it responsible for any consequences of using their services. Offer valid until 31 December 2026.
Terms and Conditions
- Promotion period is valid from 24 October 2025 till 31 December 2026 (both dates inclusive) (“Promotion Period”).
- This offer is only applicable to customers of the Bank of China (Hong Kong) Limited (“BOCHK”) and customers must maintain the Private Wealth or Wealth Management Integrated Banking service during the Promotion Period (“Eligible Customer”) .
- Eligible Customer is required to make advance reservation and must specify the use of the Offer at the time of making a reservation.
- The Eligible Customer may, at the request of Crimson Education, be asked to verify the identity as Eligible Customers at the time when appointment is made through Crimson Education by showing BOCHK Mobile banking app prior to enjoy the Offer.
- The Offer cannot be used in conjunction with any other promotions, discounts, offers or coupons and cannot be exchanged for cash or other products.
- If BOCHK and / or Crimson Education, in its sole discretion, believe that the Eligible Customers have acted in a suspicious, fraudulent or abusive way, the Eligible Customer will not be able to enjoy the Offer.
- No person other than the Eligible Customer and / or BOCHK and / or Crimson Education will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
- BOCHK does not warrant the quality of the products or services (including but not limited to the quality or quantity of the product) provided by Crimson Education. Crimson Education shall be solely responsible for all the effects and consequences and/or arising in relation to the products and services.
- BOCHK and/or Crimson Education reserve the right to change, suspend or terminate the Offer or amend the relevant terms and conditions at its sole discretion and reserves the right of final decision on all matters and disputes.
- In case of any discrepancy or inconsistency between the Chinese and the English versions of these terms and conditions, the Chinese version shall prevail and apply.
Family
Rewards
Rewards
-
Transfer in investment funds
Receive up to HK$12,000 in cash rewards1 -
Selected Life Insurance plans
First year premium discount of up to 30%2a&2b -
Complete "Financial Needs Analysis"2b
and get a chance to receive a HK$400 BoC Pay+ supermarket e-Coupon -
Enrolment of designated Travel, Home Insurance, Domestic Helper or GoStudy Insurance via online channel
Enjoy a 30% premium discount and get a chance to receive HK$100 supermarket voucher3
(Promo code：FMX25) -
BOC Mastercard® Debit Card
•Up to 1% unlimited spending cash rebate4
•Overseas spending enjoy extra cash rebate of up to HK$500
•Enrolment in the “Universal Smart Travel Insurance Plan” via the online channel to enjoy a 35% premium discount offer3(Promo code: DEBIT)
•Airport Express Ticket 50% off via KKday platform(Promo code: KKDBOCHKAE) -
BOC Cheers Card
Receive up to HK$1,600 in cash rebates5 -
Activate the "Live Young Rewards App" as a new member and get a chance to receive a DECATHLON HK$49 E-gift Card6
“Legacy of Love”^
Reward
of up to HK$4,000 and Products Privileges
Children who take up the Private Wealth can enjoy the waiver of Total Relationship Balance requirement and a reward of up to HK$4,000, as well as products privileges:
- New Customer Account Opening via Mobile Banking App: Enjoy a HKD Time Deposit Preferential Interest Rate of up to 4.8% p.a.
- Payroll Welcome Reward: Up to HK$1,500 free spending credit
- New BOC Cheers Card: Enjoy exclusive 10X Gift Points on designated spendingsa
- New BOC Securities customer to enjoy 6 months $0 brokerage fee, $0 transaction charge and $0 safe custody feeb
- Customers and their children successfully enrolled in “Legacy of Love” during the promotion period could enjoy the "Financial Needs Analysis" extra reward of HK$100 e-Couponc together
| ^ | Applicable to children aged 18–28 of Private Wealth customers with a “Total Relationship Balance” of HK$8,000,000 or above. Subject to terms and conditions. For details, please contact your Relationship Manager or visit a branch for enquiry. |
| 1. | Customers are entitled to enjoy a HK$400 reward for every HK$200,000 (or equivalent) transfer-in of Investment fund. The maximum value of the transfer-in reward is HK$12,000. Press here for details. |
| 2a. | Selected Life Insurance Plans are underwritten by BOC Group Life Assurance Company Limited (“BOC Life”) or China Life Insurance (Overseas) Company Limited (“China Life (Overseas)”) (collectively referred to as “Life Insurance Companies”). The premium discount offer may vary among products and Life Insurance Companies and is subject to the relevant terms and conditions. |
| 2b. | The customer is required to conduct a “Financial Needs Analysis” and select an appropriate life insurance product based on their financial and life protection needs. Before confirming any life insurance application decision, customers should refer to the policy terms and relevant sales materials of the product to understand its details and risks involved. Any insurance application decision should be based on the customer’s own needs and affordability. For enquiry, please contact your Relationship Manager. |
| 3. | The relevant Travel, Home Insurance, Domestic Helper Insurance and GoStudy Insurance are underwritten by Bank of China Group Insurance Company Limited (“BOCG Insurance”). For details, please refer to the Terms and Conditions. Please visit the BOCHK website > Insurance, to learn more product information and policy terms. |
| 4. | Up to 1% cash rebate is only applicable to Private Wealth customers, while Wealth Management and other customers can enjoy up to 0.5% cash rebate. |
| 5. | Customers who successfully apply for the BOC Cheers Card can enjoy up to 300,000 Points as a Welcome Offer (at the ratio of 250 points to HK$1), equivalent to HK$1,200. Customers who successfully apply for a BOC Cheers Card Supplementary Card and make at least one transaction within one month after card issuance will be entitled up to 100,000 Points (at the ratio of 250 points to HK$1), equivalent to HK$400. For details, please refer to the Terms and Conditions. |
| 6. | Customers must successfully register as a new member of the “Live Young” Rewards Programme (“Live Young”) using {FamilyMAX} as the promo code, then download and activate the “Live Young Rewards App” during the promotion period. This is subject to the Activating the “Live Young Rewards App” as a New Member Terms and Conditions. |
| a. | Only applicable to FamilyMAX selected “Legacy of Love” customers who successfully apply for a BOC Cheers Visa Infinite Card (“Eligible Credit Card”) during the promotion period, and enjoy the limited 10X Gift Point up to 50,000 Points on designated types of consumption spending for the 4th to 6th months of card issuance. |
| b. | Successfully open a new securities account to enjoy the first 6 months with $0 brokerage fee, $0 transaction charge and $0 safe custody fee for buying or selling HK Stocks, A Shares, and US Stocks. |
| c. | Customers who successfully enrol in the “Legacy of Love” programme, along with their children who complete the “Financial Needs Analysis” during the promotion period, will receive an extra BOC Pay+ HK$100 supermarket e-Coupon, in addition to the prevailing rewards. Customers are required to conduct a “Financial Needs Analysis” and select an appropriate life insurance product based on their financial and life protection needs. Before confirming any life insurance application decision, customers should refer to the policy terms and relevant sales materials of the product to understand its details and risks involved. Any insurance application decision should be based on the customer’s own needs and affordability. For enquiry, please contact your Relationship Manager. |
| Unless otherwise specified, promotion period is from 1 October, 2025 until 31 December, 2025 (both dates inclusive). | |
| Terms and conditions apply to the FamilyMAX Rewards. A limited quota of offers is available, on a first-come-first-served basis. Press here for details. | |
| FamilyMAX Rewards terms and conditions (Last Quarter). | |
Not yet a customer of Bank of China (Hong Kong)?
Join Now!
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Experience the comprehensive family financial
solution of
with Welcome
Rewards of
up to
HK$87,000!
with Welcome
Rewards of
up to
HK$87,000!
Contact us to learn more.
Enquire or make an appointment to
join the Private Wealth service
join the Private Wealth service
+852 3988 2188
Enquire or make an appointment to
join the Wealth Management service
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+852 3988 2888
Reminder: To borrow or not to borrow? Borrow only if you can repay! SVF Licence Number:
SVFB072
Investment and FX trading involve risks. Please take note of the product characteristics and risk, including exclusion items.
BOCHK is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong Special Administrative Region of the People's Republic of China. (insurance agency licence no. FA2855)
The Policy Owner is subject to the credit risk of Insurance Companies. If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.
BOCHK is the appointed insurance agency of BOC Group Life Assurance Company Limited ("BOC Life") / China Life Insurance (Overseas) Company Limited ("China Life (Overseas)") and Bank of China Group Insurance Company Limited ("BOCGI") for distribution of life insurance products and general insurance products. The life insurance product is a product of BOC Life / China Life (Overseas); the general insurance product is a product of BOCGI, 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 related Insurance Plans should be resolved directly between related insurance companies and the customer.
Remarks:
(1) Only open-ended investment funds distributed by BOCHK are eligible to this offer. BOCHK has the sole and full discretion to decide whether the investment fund concerned may be transferred into BOCHK and whether the transfer transaction is eligible to the offer.
(2) BOCHK only accepts investment funds transferred from account(s) held in other financial institution(s) by the same customers using the same name. The account holder name of the investment funds being transferred from other financial institution(s) must be as same as the Investment Fund account holder's name as registered in BOCHK.
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 your 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 Fund:
Fund products or services are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential 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. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering 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.
BOCHK is appointed by fund houses as agent. The fund product is a product of fund houses but not that of 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 fund product should be resolved directly between the fund house and the customer.
This promotion material is for reference only, and does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service.
This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.
Terms and Conditions apply to the relevant products and services. The Terms and Conditions of the related service will be provided electronically. Please read and accept the related Terms and Conditions. These Terms and Conditions will be available for download and will be stored in the BOCHK website within 30 days of submission of an account opening request or transaction instruction. Such information may not be available for viewing or downloading after the specified time.
Investment and FX trading involve risks. Please take note of the product characteristics and risk, including exclusion items.
BOCHK is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong Special Administrative Region of the People's Republic of China. (insurance agency licence no. FA2855)
The Policy Owner is subject to the credit risk of Insurance Companies. If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.
BOCHK is the appointed insurance agency of BOC Group Life Assurance Company Limited ("BOC Life") / China Life Insurance (Overseas) Company Limited ("China Life (Overseas)") and Bank of China Group Insurance Company Limited ("BOCGI") for distribution of life insurance products and general insurance products. The life insurance product is a product of BOC Life / China Life (Overseas); the general insurance product is a product of BOCGI, 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 related Insurance Plans should be resolved directly between related insurance companies and the customer.
Remarks:
(1) Only open-ended investment funds distributed by BOCHK are eligible to this offer. BOCHK has the sole and full discretion to decide whether the investment fund concerned may be transferred into BOCHK and whether the transfer transaction is eligible to the offer.
(2) BOCHK only accepts investment funds transferred from account(s) held in other financial institution(s) by the same customers using the same name. The account holder name of the investment funds being transferred from other financial institution(s) must be as same as the Investment Fund account holder's name as registered in BOCHK.
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 your 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 Fund:
Fund products or services are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential 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. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering 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.
BOCHK is appointed by fund houses as agent. The fund product is a product of fund houses but not that of 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 fund product should be resolved directly between the fund house and the customer.
This promotion material is for reference only, and does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service.
This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.
Terms and Conditions apply to the relevant products and services. The Terms and Conditions of the related service will be provided electronically. Please read and accept the related Terms and Conditions. These Terms and Conditions will be available for download and will be stored in the BOCHK website within 30 days of submission of an account opening request or transaction instruction. Such information may not be available for viewing or downloading after the specified time.