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    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 Handling fee (3% of cash advance

    amount or min. charge HK$50)

    HK$10,000 HK$300 Waived

    HK$1,000 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 OR2. Contact our Customer Hotline: 22 699 699The 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 AdvanceHandling 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

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    Internet Card and Gift Card cardholder.

    2. To entitle the offer, cardholder must have no transaction record of cash advance inany 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 chargeHK$50.

    4. The daily maximum Cash Advance amount through ATM is HK$20,000. The cashadvances 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 becredited 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 outstandingbalance 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 confirmthe 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 workingdays upon the re-issuance request is made.

    10.The Bank reserves the right to vary the terms and conditions, change or terminatethe 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 Chineseversion shall prevail.

    http://www.bankcomm.com.hk/http://www.bankcomm.com.hk/