Bank of Communications Credit Card Cash Advance Handling Fee Waiver Program During the promotion period, cardholders

can enjoy the handling fee waiver offer* for unlimited number of times with Bank of Communications Credit Card for cash advance withdrawal or transfer made in ATMs or over the counters in Bank of Communications Hong Kong Branch. Get extra cash for your flexible us anytime! Example Cash Advance Amount HK$10,000 HK$1,000 Handling fee (3% of cash advance amount or min. charge HK$50) HK$300 Waived HK$50 Waived

*To enjoy above offer, cardholders must have no any transaction record of cash advance in any Bank of Communications Credit Card Account (including Principal card/ Supplementary card) during 1 November 2011 and 31 January 2012. The offer is not applicable to cash advance through e-banking.

Promotion Period: 15 February 2012 30 April 2012 What to do when you forget the ATM PIN number? You can apply for a re-issuance via the following methods: 1. Visit any Bank of Communications Branch 2. Contact our Customer Hotline: 22 699 699 OR

The new pin number will be mailed to the correspondence address after 7 working days upon the re-issuance request is made. Terms and Conditions of Cash Advance Handling Fee Waiver Program: 1. The promotion period of Bank of Communications Credit Card Cash Advance Handling Fee Waiver Program (The Program) is starting from 15 February 2012 to 30 April 2012. The program is applicable to Bank of Communications credit cards issued by the Bank in Hong Kong and the bank designated principal cardholder in Hong Kong (Cardholder), excluding the supplementary card, PC

Internet Card and Gift Card cardholder. 2. To entitle the offer, cardholder must have no transaction record of cash advance in any Bank of Communications Credit Card Account (including Principal Card/ Supplementary Card) during 1 November 2011 and 31 January 2012. The offer is not applicable to cash advance through e-banking. 3. The current handling fee is 3% of the Cash advance amount or minimum charge HK$50. 4. The daily maximum Cash Advance amount through ATM is HK$20,000. The cash advances annualized percentage rate can refer to respective credit card fee schedule, for details, please visit our bank website www.bankcomm.com.hk . 5. The Cash Advance Handling Fee Rebate offered under the Program will be credited to the Principal Credit Card Account in June 2012. The Principal Credit Card Account must be valid and in good financial standing when the Cash Advance Handling Fee is credited, otherwise, above offer will be cancelled without prior notice. 6. The Cash Advance Handling Fee Rebate can be used to pay for the outstanding balance of credit card account but cannot be drawn as cash advance. It is non-exchangeable and non-transferable. 7. The bank will verify the related credit card cash advance record so as to confirm the relevant accounts are entitled to the Cash Advance Handling Fee Rebate offer. All the transaction record will be based on the bank record. 8. Any fraudulent transactions, unauthorized transactions, cancelled or refunded or non-posted transactions are not counted as eligible transaction and will not be eligible for the Program. 9. The new pin number will be mail to the correspondence address after 7 working days upon the re-issuance request is made. 10. The Bank reserves the right to vary the terms and conditions, change or terminate the Program without prior notice. In case of any disputes, the decisions of the Bank shall be final and conclusive. 11. In case of any discrepancy between the Chinese and English versions, the Chinese version shall prevail.