Important Information

RETRIEVAL FEE Requests for copies of sales drafts and statements are subject to the following charges Charge per copy
Sales Draft Statement - Current to 3 months old - Above 3 months old - Overseas address and duplicate statement request
(Prevailing GST is applicable )

S$5 (copy); S$12 (original) Free S$5 per statement () S$5 per statement ()

SERVICE CHARGE FOR INSUFFICIENT FUNDS Returned Cheque : S$40

Rejected Direct Debit Authorisation : S$40 CARD REPLACEMENT FEE

Principal Card Supplementary Card
(Prevailing GST is applicable )

S$20 S$20
IS 02/2012

Your Quick Guide to

Credit Card Information

Bank of China Limited (Incorporated in China)

CREDIT CARD INFORMATION SHEET

This leaflet is intended as a quick consumer guide only. It contains an outline of the principal Terms and Conditions governing the Cardmember Agreement. For details, please read the Terms and Conditions of the BOC Cardmember Agreement which prevail at all times. REPAYMENT GRACE PERIOD Average 23 days from statement date. 23 FINANCE CHARGES FOR PURCHASES Effective Interest Rate Minimum Charges : 24% per annum : S$2.50 MINIMUM MONTHLY REPAYMENT
Monthly Outstanding Balance: Less than S$50 50 Monthly Outstanding Balance: More than S$50 50 Outstanding Balance 3% of the monthly balance outstanding, plus any outstanding Minimum Payment Sum, plus the amount in excess of the Credit Limit, or S$50, whichever is greater. 3%, , ,50,

LATE PAYMENT CHARGES

5% per month of the Minimum Payment Sum, subject to a minimum of S$55 per month. 5% 55

OVER LIMIT FEE

If the monthly outstanding balance exceeds the Credit Limit due to fees, interests, charges (including late payment charges) or etc as the case may be, relating to the use of the card, an Over Limit fee of S$40.00 shall be charged. ( )40

If payment is not made in full by the Due Date, finance charges will be calculated on a daily basis on the outstanding balance from the previous Statement Date and on all new transactions from the date they are posted to the Card Account. Note: No finance charge will be levied if payment is received in full by the Due Date and there is no balance carried forward from the previous statement. For finance charges on cash advance transactions, please see below. , CASH ADVANCE CHARGES Cash advance fee per transaction is charged as follows: : BOC Great Wall Card VISA / MasterCard Platinum: S$15 or 4.99% of amount withdrawn, whichever is greater. /4.99%15 BOC Great Wall Card UnionPay Platinum: S$10 or 3% of amount withdrawn, whichever is greater. 3% 10 Plus Interest charges will be levied at 2% per month on the amount withdrawn from the date of the transaction until the date payment is made in full. 2% Effective Interest Rate: 24% per annum (minimum interest: S$2.50) 24% (: 2.50 )

ANNUAL FEE
BOC Great Wall Card VISA / MasterCard Platinum / Principal Card Supplementary Card BOC Great Wall Card UnionPay Platinum : Principal Card Supplementary Card
(Prevailing GST is applicable )

S$150 S$75

S$150 S$75

LOST/STOLEN CARD LIABILITY /

The Cardmember shall at all time exercise all possible care to ensure the safety of the Card and PIN and that the PIN is only known to the Cardmember and not disclosed to any other person. The Cardmember shall immediately report to the Bank if the Card is lost, stolen or misused or the PIN is disclosed to any other person by calling the Banks Customer Service Hotline or by notifying the Bank in writing. The Cardmember shall lodge a police report accompanied by written confirmation of the loss, theft or misused of the Card or disclosure of the PIN and to provide to the Bank any other information that the Bank may require. The maximum liability for the Cardmember due to any unauthorized use of the Card is S$100 provided that the Cardmember has not acted fraudulently or was not grossly negligent or has not otherwise failed to inform the Bank promptly after becoming aware that the Card has been lost, stolen or misused or the PIN is disclosed to other person. 100

Above charges are applicable to both BOC Great Wall Card VISA / MasterCard Platinum and the BOC Great Wall Card UnionPay Platinum, unless otherwise stated in this leaflet. (Note: If there are discrepancies or inconsistencies in meaning between the English version and the Chinese translation, the English version shall prevail). /(: ) All published information is correct and complete at the time of printing. The Bank will not assume responsibilities for changes which occur after printing.