CCBA_NOA_Jul_2018_Letter_13_EN

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1 Notice of Changes in relation to CCB (Asia) Credit Cards ( Cards ) Dear Valued Cardmember, We would like to inform you that there will be changes made in relation to your Cards. The changes will be effective tentatively in the fourth quarter of 2018, and we will notify you of the effective date ( Effective Date ) separately. I. Amendments to the Documents relating to Cards A summary of the key changes is set out under Section A, and the full details of changes are set out under Section B. A. Summary of the Key Changes 1. Fee Schedule i. A new service fee will be levied on credit card paper statement. ii. The Bank will no longer charge delinquent APR. iii. The annual membership fee, and balance refund handling fee will be updated. 2. CCB (Asia) Credit Card Cardmember Agreement i. PIN PIN will not be assigned by the Bank but will be selected by Cardmembers. ii. Combined Credit Limit and Consolidated Credit Card Statement Cardmembers with more than one Card will be assigned with a combined credit limit 1, which will be shared among all Card (VISA, Mastercard or UnionPay Dual Currency Credit Card) accounts 2. Furthermore, the Bank will issue a consolidated monthly statement (covering both principal and supplementary account (if any) ) for all Cards 2 same principal Cardmember, such that all Cards will have the same statement date and payment due date. For Cardmembers with multiple statement dates within a month, the last statement date before 27 th (if all statement dates are on or before 26 th ) or 27 th (if any statement date(s) is/are on or after 27 th ) will become the statement date of the consolidated monthly statement. Consolidated Statement Date Example #1: If you currently have multiple statement dates (e.g. 2nd, 12th and 23rd) within a month, 23rd of each month will become the statement date of the consolidated monthly statement. Consolidated Statement Date Example #2: If you currently have multiple statement dates (e.g. 15th, 25th and 28th) within a month, 27th of each month will become the statement date of the consolidated monthly statement. Cardmembers should be aware that the balance of each Card account must still be settled separately. Remarks: 1. The amount of the combined credit limit will be determined subject to the status of each VISA or Mastercard or UnionPay Dual Currency Credit Card account. 2. The combined credit limit and consolidated credit card statement will not be applicable to Business Credit Cards. iii. Credit Card Paper Statement Fee A new service fee will be levied on credit card paper statement. iv. Terms for use of Octopus Card Function on CCB (Asia) Octopus UnionPay Dual Currency Credit Card Revisions are made to clarify the handling of any remaining value of the Octopus card function as stored on the CCB (Asia) Octopus UnionPay Dual Currency Credit Card upon termination. 3. Terms of CCB (Asia) eye Credit Card Extra Bonus Point Rewards Programme Electronic wallet top-up or fund transfer will not be eligible for extra 4 times bonus points. 4. CCB (Asia) Hong Kong Airlines Fly Away Credit Card Gift Rewards Programme Terms & Conditions i. Cap On Designated Transactions To Earn Bonus Points The cap on the total amount of designated transactions that are eligible for earning Bonus Points will be changed to 12 times of the permanent combined credit limit of the principal Cardmember. The basis of the calculation of such amount will be changed to each calendar year. ii. Bonus Points Expiry Bonus points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, bonus point earned during 1 January, 2018 to 31 December, 2018 will be expired on 31 December, Bonus point earned during 1 January, 2019 to 31 December, 2019 will be expired on 31 December, Terms of Instant Travel Cub i. Instant Travel Club membership will also be applicable to Cardmembers who have enrolled for the Premium Free Annual Insurance Plan. ii. For Cardmembers with more than one Card eligible for Instant Travel Club, successful registration with one Card will be automatically applied to all other eligible Cards same principal Cardmember. Instant Travel Club membership will be effective until a Cardmember cancels the registration or all eligible Cards same Cardmember are cancelled or terminated (whichever is earlier). iii. Each Cardmember can receive a maximum of 150,000 extra bonus points (excluding the basic bonus points) on eligible transactions per eligible Card per calendar year. iv. Cardmembers can only apply for installment plan for local travel transactions and overseas retail transactions conducted in foreign currencies after the monthly statement is generated for the transactions. There will be no cap on the total amount applicable for installment plan. v. Any advanced bonus points must be fully repaid on or before 30 April in the next year after redemption or upon cancellation of Bonus Points Reward Account. 6. General Terms, Terms & Conditions of Bonus Points Reward Program, Terms & Conditions for all Vouchers and Terms of Asia Miles Redemption Program General Terms, Terms & Conditions of Bonus Points Reward Program, Terms & Conditions for all Vouchers, Terms of Asia Miles Redemption Program will be consolidated into a new Terms & Conditions of Bonus Points Reward Programme. i. Cap On Designated Transactions To Earn Bonus Points The cap on the total amount of designated transactions that are eligible for earning Bonus Points will be changed to 12 times of the permanent combined credit limit of the principal Cardmember. The basis of the calculation of such amount will be changed to each calendar year. ii. Bonus Points Expiry Bonus points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, bonus point earned during 1 January, 2018 to 31 December, 2018 will be expired on 31 December, Bonus point earned during 1 January, 2019 to 31 December, 2019 will be expired on 31 December, iii. Revisions are made to enhance clarity of the meaning for terms and conditions. 7. Terms of Dual Currency Cash Rebate Scheme Cap On Designated Transactions To Earn Bonus Points The cap on the total amount of designated transactions that are eligible for earning Bonus Points will be changed to 12 times of the permanent combined credit limit of the principal Cardmember. The basis of the calculation of such amount will be changed to each calendar year.

2 8. Terms of RMB Transaction SMS Alert Service Cardmembers are no longer required to register for the RMB Transaction SMS Alert Service. A SMS alert will be sent to a Cardmember s registered mobile phone number for any retail transaction or cash advance of designated amount (specified by us from time to time) conducted with the Card. 9. Terms of Asia Miles Redemption Programme (Applicable to CCB (Asia) UnionPay Dual Currency Platinum Credit Card and Diamond Credit Card) i. Cap On Designated Transactions To Earn Bonus Points The cap on the total amount of designated transactions that are eligible for earning Bonus Points will be changed to 12 times of the permanent combined credit limit of the principal Cardmember. The basis of the calculation of such amount will be changed to each calendar year. ii. Bonus Points Expiry Bonus points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, bonus point earned during 1 January, 2018 to 31 December, 2018 will be expired on 31 December, Bonus point earned during 1 January, 2019 to 31 December, 2019 will be expired on 31 December, General Terms & Conditions of CCB (Asia) VISA Infinite Credit Card Bonus Points Reward Scheme The cap on the total amount of designated transactions that are eligible for earning Bonus Points will be changed to 12 times of the permanent combined credit limit of the principal Cardmember. The basis of the calculation of such amount will be changed to each calendar year. 11. Terms of VISA Infinite Gift Redemption Programme Revisions are made to enhance clarity of the meaning of the terms and conditions. 12. Terms of Priority Pass Membership If the Priority Pass Membership Card is lost, stolen or damaged, we will charge a HKD100 card replacement fee. 13. Terms of CCB (Asia) UnionPay Diamond Prestige Credit Card Asia Miles Redemption Programme Cap On Designated Transactions To Earn Bonus Points The cap on the total amount of designated transactions that are eligible for earning Bonus Points will be changed to 12 times of the permanent combined credit limit of the principal Cardmember. The basis of the calculation of such amount will be changed to each calendar year. B. Full details of the Changes (additions are underlined and deletions are crossed out): 1. Amendments to CCB (Asia) Credit Card Fee Schedule (Applicable to all CCB (Asia) Credit Cards, excluding Business Card) The Bank s CCB (Asia) Credit Card Fee Schedule will be revised as follows: Delinquent APR For Retail Purchase Delinquent APR For Cash Advance FINANCE CHARGES 38.48%* (monthly rate at 2.75%) and 42.58%* (monthly rate at 3%) it may be applied to your account if you fail to settle the minimum payment by 44 days or 54 days respectively in full from the date of the statement date %* (monthly rate at 2.75%) and 44.76%*(monthly rate at 3%) it may be applied to your account if you fail to settle the minimum payment by 44 days or 54 days respectively in full from the date of the statement date. A notice will be sent to you 30 days in advance if the Delinquent APR is to be in force. (These two items will be deleted in its entirety as the Bank will no longer charge delinquent APR.) FEES Credit Card Paper Statement Fee Annual Membership Fee (per card) - Classic/Standard/Gold/Platinum - World/Diamond - Infinite/Diamond Prestige HKD10 per customer per quarter Principal From HKD240 to HKD1,500 Waived HKD1,500 HKD1,800 HKD3,800 Supplementary From HKD120 to HKD750 Waived HKD750 HKD900 HKD1,900 The Annual Membership Fee waiver to cardmembers and the relevant terms and conditions (if any) continues to apply. Credit Balance Refund Handling Fee HKD75 HKD100 per withdrawal For the full version of revised CCB (Asia) Credit Card Fee Schedule, please visit /noatnc/en 2. Amendments to CCB (Asia) Credit Card Cardmember Agreement (Applicable to all CCB (Asia) Credit Cards, excluding Business Card) existing Agreement revised Agreement Clause 1 Clause 1 Clause 3.5 Clause 3.5 PIN means all personal identification number(s) assigned by CCB (Asia) to, or subsequently selected by me for the purpose of identifying me for certain transactions made through the use of the Card. 3.5 Credit Limit (i) (Applicable to VISA and MasterCard Credit Card) Combined credit limit for VISA and MasterCard Credit Card Combined credit limit for VISA, Mastercard and UnionPay Dual Currency Credit Card I will be given a combined credit limit expressed in HKD (inclusive of a cash advance limit) which will be the maximum allowable outstanding balance in respect of all my VISA, and Mastercard and UnionPay Dual Currency Card Account(s) at any time. Within such combined credit limit, CCB (Asia) may further, if applicable, determine a pre-set credit limit in respect of a Card Account. (ii) (Applicable to UnionPay Dual Currency Credit Card) Credit limit for UnionPay Dual Currency Credit Card I will be given a credit limit expressed in HKD (inclusive of a cash advance limit) which will be my maximum allowable outstanding balance in respect of my UnionPay Dual Currency Credit Card to be shared between the HKD Card Account and RMB Card Account at any time. (iii ii) Right to Vary CCB (Asia) may vary the combined credit limit, the pre-set credit limit and/or cash advance limit for VISA, and Mastercard and UnionPay Dual Currency Credit Card; credit limit and/or the cash advance limit for UnionPay Dual Currency Credit Card (collectively the Limits ) at its discretion from time to time

3 Clause 3.6 (i) Clause 3.6 (i) Clause 4.1 Clause 4.1 Clause 4.2 Clause Use of Card (i) The Card is issued for my personal use and is not transferable. I shall open and maintain the Card Account to the satisfaction of CCB (Asia). I understand and agree that certain transactions (in particular, when physical presentation of the Card is not necessary) may still be effected and charged to my Card Account(s) even if the Card is not activated. I shall still be liable for all transactions effected by use of the Card, irrespective of whether the Card is activated or not. The use of the Card is subject to: (i) the combined credit limit or the pre-set credit limit for VISA and, Mastercard and UnionPay Dual Currency Credit Card ; credit limit for UnionPay Dual Currency Credit Card set by CCB (Asia), in connection with the payment for any purchase of goods and/or services, payment for which may be charged to the Card Accounts; Credit Card Paper Statement Fee A service fee will be charged per quarter if I choose to receive the paper statement. Fee relating to Foreign Currency Transactions (Applicable to VISA and MasterCard Credit Card) - A fee will be charged for every transaction effected in a currency other than HKD. Fee relating to Settling Foreign Currency Transactions in Hong Kong Dollars A fee will be charged by Visa, MasterCard or UnionPay (if applicable) on a foreign currency transaction which has been simultaneously converted into HKD by an overseas merchant or a merchant registered outside Hong Kong at the point of sale. Finance Charge - In respect of cash advance, the finance charge is calculated from the date of advance until full repayment is received. In respect of a retail purchase, if you pay the outstanding balance in full on or before the payment due date (each as shown in the Statement of Account), no finance charge will be levied. If (for a cash advance or retail purchase) the amount paid is less than the whole outstanding balance, a finance charge will be applied to the retail purchase (at the interest rate shown on the Fee Schedule) based on: (i) the unpaid balance (shown in the previous Statement of Account) from the Statement Date immediately preceding the Payment Due Date (shown in that Statement of Account) until payment in full; and (ii) the amount of each new transaction being posted since the Statement Date, from the transaction date until payment in full. If the required minimum payment is not paid in full (as indicated in the Statement of Account) by 44 or 54 days past the date of such Statement of Account, I will be given not less than thirty (30) days notice before higher finance charges for all the sum due take effect. The applicable finance charges in respect of cash advances and retail purchases are specified in the Fee Schedule. I agree that once a higher finance charge has become applicable, it will continue to be applicable (regardless of whether or not any subsequent minimum payment has been made in full) until further notice is given to me. Foreign Currency Check Processing Fee - Foreign currency check(s) other than the specified currency of the relevant Card Account(s) (which CCB (Asia) may at its discretion accept) will be processed subject to a handling fee. For the avoidance of doubt, RMB check will not be accepted. Late Payment Fee - If I fail to pay in full the respective Minimum Payment on or before the Payment Due Date, each as set out in the Statement of Account, in respect of any of my Card Account(s), a late charge or late charges will be imposed on each of the relevant overdue Card Account(s). Overlimit Fee - An overlimit fee will be charged once per each Statement of Account if the outstanding balance as at the date of the Statement Date as set out in the Statement of Account exceeds the combined credit limit or the pre-set credit limit for VISA, and Mastercard and Credit Card; the credit limit for UnionPay Dual Currency Credit Card... (iii) Sales Draft Retrieval Fee, Card Replacement Fee, Credit Card Paper Statement Fee, Statement Retrieval Fee, and other Fees and Charges; then Terms and Conditions for use of Octopus Card Function on CCB (Asia) Octopus UnionPay Dual Currency Credit Card Clause 2.3 Terms and Conditions for use of Octopus Card Function on CCB (Asia) Octopus UnionPay Dual Currency Credit Card Clause If the Card is terminated for whatever reason, any positive or negative remaining value of the Octopus card function as stored on my Card will be posted into my Principal Card account. This will be reflected on the monthly statement within two months after the Card is terminated. I irrevocably agree that (i) CCB (Asia) may apply any positive remaining value of the Octopus card function as stored on the Card in or towards satisfaction of any outstanding debts owed by me to CCB (Asia), or (ii) CCB (Asia) shall deduct from the Card Account any negative balance of the Octopus card function on the Card. For the full version of revised CCB (Asia) Credit Card Cardmember Agreement, please visit /noatnc/en 3. Amendments to Terms of CCB (Asia) eye Credit Card Extra Bonus Point Rewards Programme (Applicable to eye Credit Card) Clause 2 Clause 2 2. THE OFFER Eligible transactions in (a) to (b) under this clause 2 ( Eligible Transactions ) made with Eligible Cards will receive 5 times bonus point rewards (Including the basic bonus points given CCB (Asia) Credit Card Bonus Points Programme) during Promotion Period ( Rewards ). Eligible Transactions include: a. Online retail transactions; b. Retail transactions made by Visa paywave function Only Eligible Transactions posted during the Promotion Period will be counted for the Rewards Offer. The following types of payment/transaction shall not be eligible for extra 4 times bonus points: electronic wallet top-up or fund transfer, payment for insurance policies issued by insurance companies, autopay transactions, Octopus reloading, online bill payment, tax payment, fees and charges made or incurred (whether in relation to the Eligible Card account(s) or otherwise) and any transactions that have been cancelled or refunded, such other categories as we may at our sole discretion determine from time to time. Any bonus points that are credited for ineligible transaction may, without prior notice, be reversed. The accumulated maximum extra bonus points for the Rewards per Eligible Card account for each calendar year (From January 1 to December 31) is 300,000 bonus points. All terms and conditions of the CCB (Asia) Credit Card Bonus Point Programme shall apply.

4 Clause 4 Clause 4 4. SUPPLEMENTARY CARDS Spending by supplementary cardmember(s) of the Eligible Card(s) during the Promotion Period will be treated as made by principal cardmember(s) of the Eligible Card(s) for the purpose of the Programme. Clause 7 Clause 7 7. ELIGIBILITY Your eligibility for the Programme is subject to our checking on your Card account status and to your Card account(s) remaining valid and in good standing (as determined at our discretion) throughout the Promotion Period by the time when the Rewards are credited. For the full version of, please visit /noatnc/en 4. Amendments to CCB (Asia) Hong Kong Airlines Fly Away Credit Card Gift Rewards Programme Terms & Conditions (Applicable to CCB (Asia) Hong Kong Airlines Fly Away Credit Card) Clause 7 Clause 7 7. ELIGIBLE TRANSACTIONS Eligible Transactions include spendings on retail purchases (including by-installment arrangements and Octopus Automatic Add-Value Service transactions) and cash advances. Transactions that do not earn Bonus Points are (including but not limited to): "Cash Out" Installment Programme, "FUN Express" Installment Programme, Balance Transfer Interest Free Installment Programme, settlement through Online Personal Banking Service for insurance loan repayment, tax payment, payment for MPF contribution, finance charges, late charges, and other fees and charges imposed by the Bank, or other categories as we may at our sole discretion determine from time to time. Clause 9 Clause 9 9. CAP ON DESIGNATED TRANSACTIONS TO EARN BONUS POINTS Each Card account will be subject to a cap on the total amount of online bill payment and payment to insurance companies that are eligible for earning Bonus Points in each calendar year (From 1 January to 31 December) ( Calendar Year ) a Cardmembership Year, which is equivalent to the value of 12 times of the prevailing permanent combined credit limit of the Card. The first Cardmembership Year commences on the date we issue a new principal card and ends on the last day of the 12th calendar month following the issuance of the new principal card. The following Cardmembership Years means every 12-calendar month period thereafter. For example, for a Card account opened on 15 April, 2016, the first Cardmembership Year is from 15 April, 2016 to 30 April, 2017, and the 2nd Cardmembership Year is from May 1 to 30 April and so on and so forth. Clause 12 Clause BONUS POINTS EXPIRY Accumulated Bonus Points are valid for a maximum of 2 years and will be forfeited biannually without notice on the last day of every 2nd Cardmembership Year or upon termination or cancellation of the Card account (whichever is earlier). For example, if a Card account was opened on 15 April, 2016, the last day of the 2nd and 4th Cardmembership Year are 30 April, 2018 and 30 April, 2020 and therefore any accumulated Bonus Points will be forfeited on these two dates and so on and so forth. Bonus points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, bonus point earned during 1 January, 2018 to 31 December, 2018 will be expired on 31 December, Bonus point earned during 1 January, 2019 to 31 December, 2019 will be expired on 31 December, For the full version of, please visit /noatnc/en 5. Amendments to Terms of "Instant Travel Club" (Applicable to CCB (Asia) Platinum credit cards, excluding CCB (Asia) Hong Kong Airlines Fly Away Credit Card, any UnionPay Dual Currency Credit Card and Business Card) Clause 2 Clause 2 Clause 3 Clause 3 Clause 4(i) Clause 1 Clause 1 Clause 4(i) 1. This Programme - This Programme is only applicable to principal cardmembers of Platinum credit cards issued by China Construction Bank (Asia) Corporation Limited ( we, us, the bank ) (excluding CCB (Asia) Hong Kong Airlines Fly Away Credit Card, any UnionPay Dual Currency Credit Card and Corporate Credit Business Card) ( cardmember(s), you ) and only applicable to credit cards which successfully ( Eligible Credit Cards Card(s) ) registered for the Program. This membership is not applicable to cardmember who successfully enrolled with Annual Insurance Plan. 2. Registration Cardmembers are required to register through the Instant Travel Club Registration Hotline at , Online Banking or fill in the enrollment form. Upon successful registration, Cardmembers ( Eligible Cardmembers ) will receive a Registration Confirmation Letter sent to your correspondence address within 2 weeks after successful registration. If a Cardmember has more than one Eligible Credit Card, successful registration with one of his/her Eligible Credit Cards will automatically be applied to all other Eligible Credit Cards under his/her name. For cardmembers holding more than one eligible credit cards, registration for each eligible credit card is required. If the remaining cardmembership year period of the registered credit card is less than two months, related registration will be processed and treated as a registration for next cardmembership year. 3. Membership All privileges under this Programme is will be effective on the second working day after your successful registration until you call or write to us to cancel the registration of this Programme your cardmembership expiry month. For registration of new card cardmembers who submit the registration together with the card application, all privileges under this Programme will be effective on the first day of the following month after your credit card account is opened. The effective date as indicated on the Registration Confirmation Letter ( Instant Travel Club Membership Effective Date ) shall be final. If you apply for another Eligible Credit Card after successful registration of this Programme, the registration will be automatically applied to the new Eligible Credit Card and the privileges will be effective on the card issue date. Please note that this Program s membership will be renewed automatically each year upon your cardmembership expiry month. If you do not wish to renew, please call or write to us prior to the membership of this Programme expires. i. Bonus Point Rewards Promotion Period From your Instant Travel Club Membership Effective Date, eligible transaction will receive 3 times bonus point rewards. (3 times bonus point rewards has included the basic bonus points given under Bonus Point Program) ("Bonus Point Rewards"). Please refer to terms and conditions of Bonus Point Reward Programme for details of Bonus Point Rewards Account ( Bonus Points Rewards Account ).

5 Clause 4(ii) Clause 4(iii) Clause 4(iv) Clause 4(v) Clause 4(ii) Clause 4(iii) Clause 4(iv) Clause 4(v) ii. Eligible Transaction All local travel related transactions (include transactions at travel agencies and airline companies) and overseas retail transactions in non Hong Kong Curreny conducted with Eligible Credit Cards in currency other than Hong Kong Dollar can enjoy Bonus Point Rewards as described under (i) above. The maximum total amount of transactions eligible for this Extra Bonus Points is HKD50,000 within each cardmembership year. Only posted transactions will be counted as eligible. Eligible Cardmember can receive a maximum of 150,000 extra bonus points (excluding the basic bonus points) per Eligible Credit Card per calendar year Bonus Points Rewards. Un-posted, cancelled or refunded transactions and transactions that are found fraudulent will be counted as ineligible transactions. For any cancelled/refunded transactions, the Bank has the right to and will be entitled to debit or charge back any bonus point so granted to the Eligible Cardmember from the Card Account(s) Bonus Points Rewards Account without prior notice. iii. Account Status - Bonus Point Rewards (including the basic bonus points given under Bonus Point Program) will be credited to the successfully registered Card Account Bonus Points Rewards Account of Eligible Cardmember who have successfully registered the Programme directly on second working day after the transaction is posted. The Eligible Credit Card account(s) Bonus Points Rewards Account should be valid and in good standing (as determined at the Bank discretion) throughout the Promotion Period and at the time when the bonus point rewards is given. iv. Eligible Transactions - Cardmember may apply for 6 months installment plans for any local travel related transactions (include transactions at travel agencies and airline companies) and overseas retail transactions in non-hong Kong currency currency other than Hong Kong Dollar. Installment can only be applied after the monthly statement is generated for the transactions. The total minimum transaction amount applicable for Installment Plan should be HK$500 or above made using the Eligible Credit Card. The maximum total amount applicable for this Installment Plan within each cardmembership year is HK$50,000 (the cardmembership year is based on the application date). v. Application - Cardmembers must shall call CCB (Asia) Platinum Card 24-hour Customer Service Hotline and apply this Installment Plan according to application dates as follows: Earliest date of application Latest date of application 1st working day after the relevant eligible retail transaction is posted statement is generated 4 working days (excluding Saturdays) immediately before the Payment Due Date specified in the Statement of Account where the relevant eligible retail transaction appears Clause 4(vii) Clause 4(vii) vii. Repayment Period - Successful applicants will be notified in writing. Upon application approval, tthe first monthly installment amount shall first be charged to the posted to the Eligible Credit Card Account on the Account on the issuance date of the notification letter statement date of the next statement after successful application, and the remaining balance will be charged posted to the Eligible Credit Card Account Account by 5 monthly equal installments on the following consecutive months and shown in the monthly statements. Clause 4(ix) Clause 4(ix) ix. Promotion Redemption Period Eligible Cardmembers can apply to advance redeem mileage by submitting the Advance Mileage Redemption form within May 1 December 31 each year. No late application will be accepted (our record shall prevail). Clause 4(x) Clause 4(x) x. Redemption - Advance Mileage Redemption is only applicable for Asia Miles redemption and the Terms and Conditions of Asia Miles Redemption apply. Any redemption request is irrevocable and may not be changed or withdrawn once submitted to us. Bonus points / advance advanced bonus points from Advance Mileage Redemption (if applicable) required for redemption will be deducted from the Eligible Credit Card Account Bonus Points Rewards Account automatically. Bonus points deducted for redemption will not be returned. Clause 4(xi) Clause 4(xi) xi. Advance Advanced Bonus Points Besides bonus points earned Eligible Credit Card Account Bonus Points Rewards Account, Cardmembers can redeem Asia Miles with advanced bonus points earned from Advance Mileage Redemption. The maximum bonus points can be advanced during Promotion Period is 150,000 within each calendar year. The advanced bonus points are not transferable. Clause 4(xii) Clause 4(xii) xii. Bonus Point Consolidation Category Bonus points earned on multiple cards can not Only bonus point earned from the Bonus Point Reward Programme and advanced bonus points from Advance Mileage Redemption can be used be consolidated for the purpose of Advance Mileage Redemption. Clause 4(xiii) Clause 4(xiii) xiii. Advanced Bonus Points Repayment Period Any advanced bonus points must be fully repaid on or before April 30 in the next year after redemption or upon cancellation/termination of Bonus Points Rewards Account card cancellation (disregard of cancellation reason) ( Bonus Point Redemption Repayment Period ), whichever the is earlier. If Cardmembers cannot repay the advanced bonus points within Bonus Points Repayment Period, the outstanding advanced bonus points will be charged within 1 month after the expiry of Bonus Points Repayment Period or upon card cancellation/termination of Bonus Point Reward Account cancellation (whichever the is earlier) from the Eligible Credit Card Account at HKD1.2 per 100 advanced bonus points (outstanding balance less than 100 advanced bonus points will be rounded as 100 advanced bonus points) without prior notice. Clause 5 Clause 5 5. Account Status Cardmember s eligibility for the Programme is subject to the Bank checking on Card account Eligible Credit Card Account status and the Card account(s) Eligible Credit Card Account(s) should be valid and in good standing (as determined at the Bank discretion) throughout the Promotion Period. For the full version of, please visit /noatnc/en 6. Consolidation of General Terms, Terms & Conditions of Bonus Points Reward Program, Terms & Conditions for all Vouchers, Terms of Asia Miles Redemption Program (Applicable to Visa and Mastercard Credit Card, except CCB (Asia) Hong Kong Airlines Fly Away Credit Card and CCB (Asia) Visa Infinite Credit Cards) (collectively General Bonus Points T&C ) into a new Terms & Conditions of Bonus Points Reward Programme as set out below: (Applicable for CCB (Asia) Visa / Mastercard Credit Cards, excluding CCB (Asia) Hong Kong Airlines Fly Away Credit Card and CCB (Asia) Visa Infinite Credit Cards) (A) Bonus Point Accumulation: 1. PROGRAMME AVAILABILITY This Programme is available to : Customer ("Customer(s)") who is the principal cardmember of any valid Visa / Mastercard Credit Card (except CCB (Asia) Hong Kong Airlines Fly Away Credit Card and CCB (Asia) Visa Infinite Credit Cards) ("Credit Card(s)") issued by China Construction Bank (Asia) Corporation Limited ("Bank", "we", "us", or "our"). 2. POINT EARNING - Customer will earn bonus point ("Bonus Point(s)") by using the following banking services ( Services ): Products/Services Earn Rate Credit Cards 1 Bonus Point for every HKD1 spent on retail purchases and cash advances

6 3. ELIGIBLE TRANSACTIONS FOR CREDIT CARD - Only spending on retail purchases and cash advances (including by installment arrangements) by using the Credit Cards will be eligible for Bonus Points ( Eligible Transactions ). There are no Bonus Points for the following payment types by Credit Cards, including but not limited to, "Cash Out" Installment Program, "FUN Express" Installment Program, settlement of finance charges, late charges, all account service charges, settlement through online personal banking service for insurance loan repayment, tax payment, payment for MPF contribution, or other categories as we may at our sole discretion determine from time to time. 4. BONUS POINT CAP ON DESIGNATED TRANSACTIONS OF CREDIT CARD - The total Bonus Points earned for each calendar year (from 1 January to 31 December) ( Calendar Year ) will be capped at 12 times of the permanent combined credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies which are paid by Credit Card. 5. POSTING OF BONUS POINTS The Bonus Points will be credited to the bonus point rewards account ( Bonus Points Rewards Account ) when an Eligible Transaction is posted on the Credit Card account. For installment loans or interest-free purchase-by-installment transactions, Bonus Points will be credited when an installment is posted on the Credit Card account. Any Bonus Point that credited for ineligible transaction may, without prior notice, be reversed. 6. EXPIRY OF BONUS POINTS - Bonus points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, bonus point earned during 1 January, 2018 to 31 December, 2018 will be expired on 31 December, Bonus point earned during 1 January, 2019 to 31 December, 2019 will be expired on 31 December, All Bonus Points earned will be forfeited and cancelled without notice upon termination or cancellation of all the products and services with the Bank. 7. NO CONSOLIDATION OF BONUS POINTS - Unless otherwise specified, other types of exclusive bonus points earned from other credit cards, including but not limited to, UnionPay Dual Currency Credit Card, CCB (Asia) Visa Infinite Card and CCB (Asia) Hong Kong Airlines Fly Away Credit Card cannot be combined with the Bonus Points earned under this Programme. (B) Bonus Points Redemption 8. REDEMPTION - Applications for gift redemption/cash rebate redemption/voucher redemption/purchase requests ( Redemption(s) ) may only be made by Customers. Redemptions are only accepted if we consider that the relevant products/services are still available. 9. USE OF BONUS POINTS The Bonus Points required for Redemption will be deducted from the Bonus Points Rewards Account. If cash is required for Redemption, Customer must appoint a Credit Card account which is relevant to the Bonus Points Rewards Account to pay the cash amount. All transaction details will be set out in the subsequent monthly statement of the relevant Credit Card account. 10. INSUFFICIENT BONUS POINTS - Any Redemption with insufficient Bonus Points will be automatically rejected. However, for Redemption request of multiple items submitted by the same physical form, if the Bonus Points are not enough to redeem all the items, we will process the Redemption following the listed order. 11. CASH REBATE REDEMPTION - Successfully redeemed cash rebate will be credited to the Credit Card account upon deduction of the applicable Bonus Points. The cash rebate details will be shown in the Customer's subsequent monthly statement of the relevant Credit Card account. 12. FORFEITURE OF BONUS POINTS - Any fraud or abuse committed in relation to the Programme may result in the forfeiture of any accrued Bonus Points. 13. NO CHANGE AFTER REDEMPTION SUBMITTED Redemption cannot be changed or withdrawn once submitted. In case of unsuccessful Redemption, any deducted Bonus Points, cash amount (if applicable) and redemption fee (if applicable) will be refunded to your credit card account accordingly. 14. RESTRICTIONS - All Redemptions are subject to availability of the redeemed item/offer, and will be accepted on a first-come-first-served basis. We may substitute other items/offers of similar value in case of non-availability. We will not provide notice of non-availability or substitution or any change in Redemption and/or Bonus Points requirements. Items/offers and any vouchers being redeemed/ purchased are not exchangeable for cash. No free trial or return service will be offered in relation to any item/offer redeemed under this Programme. 15. ISSUE OF REDEMPTION LETTER/VOUCHERS ETC - Unless otherwise specified, redemption letter/voucher/notification will be mailed to the Customer's correspondence address approximately 4 to 6 weeks from our receipt of a successful Redemption. Customer shall contact our Customer Services Hotline at if he/she fails to receive the redemption letters or vouchers within such period. (C) Terms & Conditions for all Vouchers Redemption ( Voucher Redemption ) 16. Vouchers redeemed under this Programme ( Voucher(s) ) cannot be used in conjunction with any other promotional or VIP offers, unless otherwise specified by the Voucher issuers. 17. Vouchers are not redeemable for cash. 18. Use of the Vouchers will be subject to the terms and conditions imposed by the Voucher issuers. 19. Except for Vouchers with stored-value nature, each Voucher can only be used once. 20. Vouchers will only be valid with the issuers' authorized signature and/or company chop. Photocopies of Vouchers or defaced or mutilated or damaged Vouchers will not be accepted. 21. Vouchers must be presented to the relevant Voucher issuer before placing an order or settling payment. 22. Neither we nor the Voucher issuers will be responsible for any loss or damage of any Voucher. 23. All matters or disputes in relation to the use of the Voucher will be resolved directly with Voucher issuer and subject to Voucher issuer final decision (or, as we determine, the Voucher issuers). (D) Terms of Asia Miles Redemption ( Asia Miles Redemption ) : 24. REDEMPTION Asia Mile Redemption is only available to Customer with a Visa or Mastercard Platinum Credit Card (except CCB (Asia) Hong Kong Airlines Fly Away Credit Card) ( Platinum Card(s) ) issued by the Bank. Customer shall have a valid membership of Asia Miles. 25. ASIA MILES REDEMPTION - Customer can redeem 1 Asia Miles by 15 bonus points and there is no minimum redeemed Asia Miles. Customer is required to pay redemption fee. 26. REDEMPTION FEE - The redemption fee for the first 10,000 miles of each Asia Miles Redemption is HKD100, and HKD50 for every additional 5,000 miles (HKD50 will be charged for less than 5,000 miles) of the same Asia Miles Redemption. The maximum redemption fee for a single redemption is HKD300. Customer must appoint a Platinum Card account which is relevant to the Bonus Points Rewards Account to pay the redemption fee. 27. MILES CREDITING - Upon receipt of Asia Miles Redemption request, the Bank will forward the request to Asia Miles Limited for processing. Asia Miles will be credited to your Asia Miles account within 4 to 6 weeks from the day of receiving the Asia Mile Redemption request. 28. NOTIFICATION OF REDEMPTION RESULT - Unless otherwise specified, a notification letter for the redemption result will be mailed to the Customer's correspondence address. (E) General Terms & Conditions 29. DISCLAIMERS - We will not replace, and have no liability, if any redemption letter or voucher is lost or damaged for any reason. The validity and use of any redeemed item/gift/prize under this Programme is subject to the relevant usage instructions and terms and conditions imposed by the relevant suppliers. We shall not act as, or assume any liability of, a product/service supplier or agent of any such suppliers. Any claim, complaint, or dispute in connection with any redeemed item/gift/prize shall be addressed to and resolved directly with the relevant suppliers, which shall in no way relieve such Customer from his/her payment and other obligations to us. We provide no warranty for any redeemed item/gift/prize. Any available warranty shall be subject to the terms and conditions set by the relevant suppliers. 30. FINAL DECISION - We may modify, terminate or withdraw this Programme at any time and have the final decision at our discretion in all matters and disputes in relation to the Programme. We may vary these terms and conditions without prior notice. We shall not be responsible or liable for any claims or liability in relation to use of this Programme by any Customer or other person. 31. CARDMEMBER AGREEMENT APPLIES - All terms and conditions of the CCB (Asia) Credit Card Cardmember Agreement and the CCB (Asia) Credit Card Fee Schedule apply to this Programme and shall prevail in case of any conflict or inconsistency with these terms and conditions. 32. ENGLISH VERSION PREVAILS - In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.

7 7. Amendments to Terms of Dual Currency Cash Rebate Scheme (Applicable to CCB (Asia) UnionPay Dual Currency Credit Card) Clause 2 Clause 2 2. ELIGIBLE TRANSACTIONS - Only spending on retail purchase and cash advances will be eligible for Points. There are no Points for any other payment types such as, including but not limited to, "Cash Out" Installment Programme, "FUN Express" Installment Programme, Balance Transfer Interest Free Installment Programme, settlement of insurance loan repayment, finance charges, late charges, all account service charges, tax payment, real estate sales and automobile sales, wholesales transaction, donations to charitable and social service organization, donations to political organizations, court costs, bail, fine, government services and embassy and consulate fees and such other categories as we may at our sole discretion determine from time to time. Clause 3 Clause 3 3. BONUS POINT CAP ON DESIGNATED TRANSACTIONS - The total Bonus Points earned per Cardmembership Year for each calendar year (From 1 January to 31 December) ( Calendar Year ) will be capped at 12 times of the latest approved combined credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies. "Cardmembership Year" refers to the 12-month period from the date a Card account is opened to the end of the corresponding calendar month of the following year, and thereafter, each calendar year. For the full version of, please visit /noatnc/en 8. Amendments to Terms of RMB Transaction SMS Alert Service (Applicable to CCB (Asia) UnionPay Dual Currency Credit Card) Clause 2 Not Applicable Clause 3 Clause 2 Clause 4 Clause 3 2. REGISTRATION - Principal Cardmember must opt-in the service and register with the mobile phone number on Credit Card Application Form to enjoy the Service. 32. SMS ALERT - For every retail transaction or cash advance of designated amount CNY500 or above (or amount (specified by us from time to time) made by you or supplementary card(s), a SMS alert will be sent to the registered mobile phone number in our Credit Card system of the respective Credit Card account used for the retail transaction or cash advance for your reference. If supplementary cardmember has not registered a mobile number yet, the SMS alert will be sent to the registered mobile number of principal cardmember (The original Clause 4 will be changed to Clause 3.) For the full version of, please visit /noatnc/en 9. Amendments to Terms of Asia Miles Redemption Programme (Applicable to CCB (Asia) UnionPay Dual Currency Platinum Credit Card and Diamond Credit Card) Clause 1 Clause 1 1. PROGRAMME AVAILABILITY - This Programme is only available for CCB (Asia) UnionPay Dual Currency Platinum Credit Card and Diamond Credit Card ("Cards") issued by China Construction Bank (Asia) Corporation Limited ("Bank", "we", "us", or "our") and is available only to the principal cardmember of the Cards ("Cardmember(s)") who have chosen Asia Miles as reward scheme. For these Programmes, a "Cardmembership Year" means the 12-month period from the date a Card account ("Account") is opened to the end of the corresponding calendar month of the following year, and thereafter, each calendar year. For example, for an Account opened on April 15, 2015, the first Cardmembership Year is from April 15, 2015 to April 30, 2016, and then is from May 1 to April 30 thereafter. Cardmembers will earn one bonus point ("Bonus Point(s)") for every HK$1 or CNY1 spent on retail purchases and cash advances, unless otherwise specified by us from time to time. Cardmembers shall have a valid membership of Asia Miles ("Eligible Cardmember(s)" or "you"). Clause 3 Clause 3 3. ELIGIBLE TRANSACTIONS - Only spending on retail purchase and cash advances will be eligible for Points. There are no Points for any other payment types such as, including but not limited to, "Cash Out" Installment Programme, "FUN Express" Installment Programme, Balance Transfer Interest Free Installment Programme, settlement of insurance loan repayment, finance charges, late charges, all account service charges, tax payment, real estate sales and automobile sales, wholesales transaction, donations to charitable and social service organization, donations to political organizations, court costs, bail, fine, government services and embassy and consulate fees and such other categories as we may at our sole discretion determine from time to time. Clause 4 Clause 4 4. BONUS POINT CAP ON DESIGNATED TRANSACTIONS - The total Bonus Points earned per Cardmembership Year for each calendar year (From 1 January to 31 December) ( Calendar Year ) will be capped at 12 times of the latest approved combined credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies. "Cardmembership Year" refers to the 12-month period from the date a Card account is opened to the end of the corresponding calendar month of the following year, and thereafter, each calendar year. Clause 6 Clause 6 6. BONUS POINTS EXPIRY - Bonus points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, bonus point earned during 1 January, 2018 to 31 December, 2018 will be expired on 31 December, Bonus point earned during 1 January, 2019 to 31 December, 2019 will be expired on 31 December, Accumulated Bonus Points are valid for maximum 2 years and the Bonus Points expiry date will be displayed on your monthly statement. Any unused balance will expire and be cancelled automatically without notice at the end of such validity period. All Bonus Points earned will be forfeited and cancelled without notice upon termination or cancellation of the Card. For the full version of, please visit /noatnc/en

8 10. Amendments to General Terms & Conditions of CCB (Asia) VISA Infinite Credit Card Bonus Points Reward Scheme (Applicable to CCB (Asia) Visa Infinite Credit Card) Clause 2 Clause 2 2. ELIGIBLE TRANSACTIONS - Only spending on retail purchases and cash advances (including by installment arrangements) will be eligible for Bonus Points. There are no Bonus Points for the following payment types, including but not limited to, "Cash Out" Installment Programme, "FUN Express" Installment Programme, Balance Transfer Interest Free Installment Programme, settlement of finance charges, late charges, all account service charges, settlement through online personal banking service for insurance loan repayment, tax payment, payment for MPF contribution, or other categories as we may at our sole discretion determine from time to time. Clause 3 Clause 3 3. BONUS POINT CAP ON DESIGNATED TRANSACTIONS - The total Bonus Points earned per Cardmembership Year for each calendar year (From 1 January to 31 December) ( Calendar Year ) will be capped at 12 times of the latest approved combined credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies. "Cardmembership Year" refers to the 12-month period from the date a Card account is opened to the end of the corresponding calendar month of the following year, and thereafter, each year. For the full version of, please visit /noatnc/en 11. Amendments to Terms of VISA Infinite Gifts Redemption Programme (Applicable to CCB (Asia) Visa Infinite Credit Card) Clause 1 Clause 1 Clause 4 Clause 4 1. THE PROGRAMME - This Programme is only available for Cardmembers who have chosen Premier VISA Infinite Gifts Redemption Programme as reward scheme ("Eligible Cardmember(s)" or "you"). Once chosen, the reward scheme cannot be changed. For the full version of, please visit /noatnc/en 12. Amendments to Terms of Priority Pass Membership (Applicable to CCB (Asia) Visa Infinite Credit Card) 4. USE OF PRIORITY PASS Membership Priority Pass Membership Card ("Membership Card") will be mailed to your credit card correspondence address within 4-6 weeks after your Enrolment has been confirmed by us. Cardmember must present the valid Priority Pass Membership Card in order to use the airport lounges. If your Priority Pass Membership Card is lost, stolen or damaged, please notify the Bank immediately for a replacement card issuance which is charged at HKD100 by the Bank. Clause 6 Clause 6 6. USE OF AIRPORT LOUNGES / USE BY ACCOMPANYING GUESTS The list of participating airport lounges is subject to change without prior notice, please visit for the latest list and usage fee. "Non-free" facilities (where available) vary from lounge to lounge and are provided at the lounge operator's discretion. Charges (where applicable) are at the discretion of each lounge operator and the Cardmember is responsible for paying the charges direct to the lounge staff. Lounge usage fees will be charged for accompanying guests (including but not limited to Supplementary Cardmember) at the prevailing rate as determined by Priority Pass at the time of usage to your Card. For the full version of, please visit /noatnc/en 13. Amendments to Terms of CCB (Asia) UnionPay Diamond Prestige Credit Card Asia Miles Redemption Program (Applicable to CCB (Asia) UnionPay Diamond Prestige Credit Card) Clause 1 Clause 1 1. THE PROGRAMME This Programme is only available for CCB (Asia) UnionPay Diamond Prestige Credit Card ( Cards ) issued by China Construction Bank (Asia) Corporation Limited ( Bank, we, us, or our ) and is available only to the principal cardmember of the Cards ( Cardmember(s) ) who have chosen Asia Miles as reward scheme. For these Programs, a Cardmembership Year means the 12-month period from the date a Card account ( Account ) is opened to the end of the corresponding calendar month of the following year, and thereafter, each calendar year. For example, for an Account opened on July 24, 2017, the first Cardmembership Year is from July 24, 2017 to July 31, 2018, and then is from August 1 to July 31 thereafter. Cardmembers will earn one bonus point ( Bonus Point(s) ) for every HKD1 or RMB1 spent on retail purchases and cash advances, unless otherwise specified by us from time to time. Cardmembers shall have a valid membership of Asia Miles ( Eligible Cardmember(s) or you ). Clause 3 Clause 3 3. ELIGIBLE TRANSACTIONS Only spending on retail purchases and cash advances (including by installment arrangements) will be eligible for Bonus Points. There are no Bonus Points for the following payment types, including but not limited to, "Cash Out" Installment Programme, "FUN Express" Installment Programme, Balance Transfer Interest Free Installment Program, settlement of finance charges Clause 4 Clause 4 4. BONUS POINT CAP ON DESIGNATED TRANSACTIONS The total Bonus Points earned for each calendar year (From 1 January to 31 December) ( Calendar Year ) per Cardmembership Year will be capped at 12 times of the latest approved combined credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies. Cardmembership Year refers to the 12-month period from the date a Card account is opened to the end of the corresponding calendar month of the following year, and thereafter, each calendar year. For the full version of, please visit /noatnc/en

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