Remarks:

1. Guaranteed Cash Coupons will be payable to the Policy Owner on every Policy Anniversary while the policy is in-force.
2. Annualized guaranteed rate of return at policy maturity varies by your chosen policy currency. The annualized guaranteed rates of return mentioned above are rounded to 2 decimal places.
3. If the Insured is covered by more than one policy under the Plan issued by BOC Life, the total maximum amount of the Death Benefit of all these policies shall be equal to the higher of 100% of the Net Premiums Paid or 100% of the Guaranteed Cash Value under all such policies as at the date of the Insured’s death, plus RMB80,000 or USD10,000, plus all the accumulated Guaranteed Cash Coupons (if any) and the interest accrued (if any) under all such policies. BOC Life shall only pay the said total maximum amount once for all such policies.
4. The Additional Accidental Death Benefit is applicable to the Insured who has an accident before the first Policy Anniversary. Such accident should be direct, independent and the sole cause of, and should result in the death of the Insured within 180 days after the accident and before termination of coverage under the relevant policy. Also, submission of due proof of the Accidental Death of the Insured to BOC Life is required. If the Insured is covered by more than one policy under the Plan issued by BOC Life, the total maximum amount of the Additional Accidental Death Benefit under all such policies shall be equal to RMB50,000 or USD6,250. BOC Life shall only pay the said total maximum amount once for all such policies.
5. If the Insured is covered by more than one policy under the Plan issued by BOC Life, the total maximum amount of the Charity Donation Benefit of all such policies shall be equal to RMB50,000 or USD6,250 (per life per product). After approval and payment of Additional Accidental Death Benefit, BOC Life will make a donation to the designated charitable institution(s) – currently designated to St. James’ Settlement. BOC Life reserves the right to change such designated charitable institution(s) at any time at its sole discretion without prior notice. For the avoidance of doubt, the Charity Donation Benefit is a donation made by BOC Life, but should not in any way be taken as a donation made by or on behalf of the Policy Owner, Insured and/or Beneficiary.
6. Policy Owner may also withdraw any portion or all of the accumulated Guaranteed Cash Coupons and/or any interest accrued while the policy is in-force. Such amount withdrawn will no longer be counted as part of the total cash value and Death Benefit of the policy. Policy Owner may call BOC Life Customer Hotline to change the way to receive the Guaranteed Cash Coupons after policy issuance.
7. The Plan is available to the holders of Hong Kong Permanent Identity Card/Hong Kong Identity Card, People’s Republic of China Resident Identity Card/Passport or Macau Resident Identity Card, who also have BOCHK e-Banking account, to apply via BOCHK mobile banking in Hong Kong. And the Plan is subject to the relevant requirements on nationality and residency of the applicants and the Insured as determined by BOC Life from time to time.
8. You are allowed to apply for more than one policy of the Plan, while the aggregate of the total annualized premium of all policies under the Plan for each Insured should not exceed RMB2,000,000 or USD250,000.

Important Notes:

• The Policy Owner is subject to the credit risk of BOC Life. 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.
• The Plan is a long-term insurance plan that is underwritten by BOC Life. It is not a bank deposit scheme or bank savings plan. BOCHK is the appointed agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life 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 insurance product should be resolved between directly the insurance company and the customer.   
• BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed Insured and the applicant at the time of application.
• BOC Life reserves the right to amend, suspend or terminate the Plan at any time and to amend the relevant terms and conditions. In case of dispute(s), the decision of BOC Life shall be final.
• Should there be any discrepancy between the Chinese and English versions of this promotion material, the English version shall prevail.
• The Plan is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the Insured items and coverage, provisions and exclusions.

This promotion material is for reference on the key product features of this Plan 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 BOC Life outside Hong Kong. You are advised to read in conjunction with the product leaflet of this Plan. Please refer to the sales documents, including product leaflet, benefit illustration and policy documents and provisions issued by BOC Life for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the Plan.