BOCHK Internet Banking

The Uncertificated Securities Market (“USM”) regime will be implemented on 16 November 2026 (“Implementation Date”). From the USM Implementation Date, investors can hold and manage securities in their own names without paper certificates (i.e. in uncertificated form) in a new way. For details, please read “Important Notice for Implementation of an Uncertificated Securities Market (“USM”) in Hong Kong” under the “What’s New” section of the Bank website (www.bochk.com), the USM web corners on the Hong Kong Exchanges and Clearing Limited (“HKEX”) and the Securities and Futures Commission (“SFC”) website.

Please be informed that the Uncertificated Securities Market will come into effect on 16 November 2026 (“Implementation Date”). With effect from the Implementation Date, BOCHK will revise the fee items related to physical scrip handling. For details, please refer to the “Notice of Revision of General Banking Services Charges” under the “What’s New” section of our website (www.bochk.com).

To safeguard your Credit Card / BOC Mastercard^® Debit Card account security, please note the following preventive measures and guidelines:

(1) If you discover unauthorized Credit Card / BOC Mastercard^® Debit Card transactions, please log in to mobile banking immediately to block the relevant card.

Credit Card (BOCHK Mobile Banking: Menu > Credit Card > Block/Unblock Credit Card)

BOC Mastercard^® Debit Card (BOCHK Mobile Banking: Menu > Account > My BOC Card / Debit Card >BOC Mastercard® Debit Card > Block Card)

(2) You may also temporarily suspend the Credit Card / BOC Mastercard^® Debit Card and submit a chargeback application via our online chat or the customer service hotline.

(3) All Credit Card / BOC Mastercard^® Debit Card customers of our bank are protected by a chargeback mechanism. Our bank will investigate individual cases and apply for chargebacks for disputed transactions in accordance with card association rules, subject to the final decision of card association.

(4) Some online transactions provide 3-D Secure (3DS) extra authentication protection (activation is determined by the merchant). Please carefully verify the transaction details and never disclose the one-time SMS password (OTP) to anyone.

BOCHK would like to remind customers to stay vigilant against scammers who may impersonate banks or merchants in connection with recent credit card fraud incidents, and attempt to obtain customers’ personal information under the guise of assisting with refunds for subsequent fraud.

The Bank reminds customers to be vigilant against possible scams:

• Should you receive any suspicious calls or text messages claiming to offer assistance with refunds, please verify the caller's identity. Do not click on any unknown links or scan any QR codes.

• BOCHK staff will never request customers to provide bank account passwords, credit card information, or One-Time Passwords (OTPs) to process transactions. Under no circumstances should you disclose this information to anyone.

• Customers who have received any suspicious calls or messages purporting to be from BOCHK staff, should contact our Customer Service Hotline immediately at (852) 3988 2388 (press 3, # and 2 after language selection) for verification.

Due to BOCHK system maintenance, FPS-related services including fund transfer, direct debit authorisation and addressing registration will not be available from 3:00a.m. to 6:35a.m. on 20 September 2026 (Sunday). Customer may wish to make advance arrangements for their payment activities if necessary.

To safeguard your credit card account security, please note the following preventive measures and guidelines:

(1) If you discover unauthorized credit card transactions, please log in to mobile banking immediately to block the relevant card. (BOCHK Mobile Banking: Menu > Credit Card > Block/Unblock Credit Card)

(2) You may also temporarily suspend the credit card and submit a chargeback application via our online chat or the customer service hotline.

(3) All credit card customers of our bank are protected by a chargeback mechanism. Our bank will investigate individual cases and apply for chargebacks for disputed transactions in accordance with card association rules, subject to the final decision of card association.

(4) Some online transactions provide 3-D Secure (3DS) extra authentication protection (activation is determined by the merchant). Please carefully verify the transaction details and never disclose the one-time SMS password (OTP) to anyone.

【Trusty Reminds You】Stay vigilant against scams involving the binding of payment cards to contactless mobile payment services or the deceptive use of malware and NFC functions

Recently, scammers have been impersonating merchants or organizations to send phishing messages, luring the public to bind their payment cards (including credit cards, debit cards and ATM cards) to fraudulent devices, or exploiting malware and Near Field Communication (NFC) functions on mobile devices to conduct unauthorized spending.

Let's deconstruct scammers’ tactics with Trusty:

Tactic 1: Phishing SMS and Fraudulent Card Binding
Scammers send SMS messages impersonating merchants under pretexts such as "goods compensation" to lure the public into entering their bank card details and Automated Teller Machine (ATM) PINs. The fraudsters then attempt to bind the victims' payment cards to their own devices. Once the victim approves the card-binding request, the scammers can conduct unauthorized spending.

Tactic 2: Malware and NFC Remote Card Reading
Scammers trick the public into downloading applications from unknown sources and gain access to the device. They then induce victims to tap their payment cards on their mobile phones, using the NFC function to remotely read the card information and conduct unauthorized spending.

Trusty’s Anti-Scam Rules:

• Do not reply to or approve any payment card binding requests that are not initiated by yourself, including requests or transactions issued via mobile banking applications or two-way SMS notifications. Please read all bank messages and notifications carefully.

• Do not download or install applications from unknown websites. BOCHK will never request customers to tap their payment cards to the back of their mobile phones for authentication or unlocking purposes.

• Never disclose sensitive personal information such as bank passwords, card details, or One-Time Passwords (OTPs) to strangers. Do not click on suspicious links or QR codes in messages or emails to conduct transactions or submit personal information.

If you receive any messages suspected of falsely claiming to be issued by BOCHK, please contact BOCHK Customer Service Hotline immediately at (852) 3988 2388 (press 3, #, 2 after selecting language).

According to Society for Worldwide Interbank Financial Telecommunication (SWIFT), to comply with the latest mandatory regulations, the remittance messages processed through the SWIFT network will no longer accept completely free-text address. By then, the address of beneficiaries and relevant beneficiary banks must be formatted as either structured or hybrid address.

To ensure your remittance instruction process successfully, please update your remittance beneficiary information immediately through Personal Internet Banking or Mobile Banking.

For the reference path to update remittance beneficiary information, please refer to our official website:
Cross-border Financial and Remittance Services > Remittance > Internet Banking and Mobile Banking Remittance > Reference Guide of Format Specifications for Remittance Address

The HKEX announced on 14 July 2026 that phase 2 of the minimum spreads reduction in the Hong Kong Securities Market (Phase 2) will be launched on 3 August 2026 (Monday) (the “Effective Date”).

From the Effective Date, for equities, Real Estate Investment Trusts, equity warrants and all other securities (excluding Exchange Traded Products, debt securities, Exchange Traded Options, Inline Warrants and Structured Products¹), the minimum spreads of the applicable securities within the price band between $0.5 and $10 will be reduced from $0.01 to $0.005. This adjustment is applicable to all currency denominations (including but not limited to HKD and RMB).

For details, please visit the “Reduction of Minimum Spreads” web corner on the HKEX website.

Should you have any enquiry, please contact Investment Service Hotline at (852) 3988 2688.

Should there be any inconsistency between the English and Chinese versions, the Chinese version shall prevail.

Bank of China (Hong Kong) Limited

28 July 2026

¹Structured Products include Callable Bull/Bear Contracts and Derivative Warrants.

To enhance our service, we will conduct system maintenance from 12:30am to 7:00am (Hong Kong Time) on 9 August 2026 (Sunday). During this period, the following services will be temporarily suspended with details below. Customers are advised to make necessary arrangements in advance. We apologise for any inconvenience caused.

• Mobile Banking and FPS Services
• Subscription of debt securities and certificates of deposit & account enquiries (until 9:30am)
• Investment account opening and online completion of questionnaire on investment preference & enquiries (until 10:00am)
• Securities trading & account enquiries (until 11:00am)
• Time deposit and savings/current account opening (until 12:00pm)

Phase 7 promotion period: 2 February 2026 – 8 February 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
CHIU K Y	9185

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
CHAN C Y	5197
CHAN K W	5481
CHENG T W	9656
CHENG W K	9435
CHEUNG S K	6939
DING Q**	6940
FONG T C	9514
HE D**	6485
HE J**	5166
HO S Y	9304
HO W L	9137
HUAN B**	(86)1350
JIN S**	9882
KOON F Y	9184
LAM S Y	9206
LAU Y W	9058
LI D**	9164
LI Y L	6018
LIU M**	6889
LO S W	9014
LUI M K M**	9627
MAK C S K**	9387
MAK T T	9663
MAN W P	9372
PAN T W	6761
PENG H**	(86)1577
SHAO Y**	5957
TAM B L	9300
TSOI M L S**	9631
WANG C**	(86)1376
WANG R**	(86)1786
WONG C K S**	6530
WONG L L E**	9250
WONG P H	6089
WONG T Y	6381
YAN C F J**	6405
YAU C Y	9549
YAU H L	6094
YU H K K**	9340
ZHANG S**	(86)1575

HK$100 Cash Reward (99 winners)

Surname	First 4 characters of phone numbers
CHAN C Y	9802
CHAN H K	9555
CHAN K H	6123
CHAN K K	5106
CHAN K K H**	9105
CHAN L H J**	9642
CHAN L M	9255
CHAN M H	9251
CHAN P K	9224
CHAN S L	6025
CHAN Y C	9071
CHAU K F	5943
CHEN M**	5106
CHENG S M	9266
CHENG W W	9768
CHEUNG K Y	9308
CHEUNG L S	6126
CHEUNG S W	6198
CHIM Y C	8490
CHIN Y T	6028
CHIU M W	9652
CHONG K C	9234
CHOW Y M	9364
CHUI P M	9646
CHUNG L S	9055
DANG J**	(86)1551
DEY I**	5571
FENG Q**	6442
FUNG W M	9011
HO C K	9029
HO P F	9013
HO W I	5430
HO W L	5186
HUI L H	9707
KOT W H	9268
KWOK M F	9360
KWONG L F	6995
LAI H Y	6875
LAI M**	(86)1390
LAI S Y R**	9810
LAI T K	6084
LAM H**	9515
LAM I C	9360
LAU C Y	9626
LAU K Y P**	6508
LAU L K	9553
LAU P K	5668
LAW S N	9218
LEE C**	6920
LEE C H	6999
LEE Y F	9170
LI C H	9120
LI Y W	9282
LIANG Y W	6070
LIN T T	6041
LIU T**	(86)1396
LO K H	9588
LU H**	9504
LUO Y**	(86)1353
NG T H	9259
NG W S	9206
QIN Y**	(86)1827
SHEK L**	6075
SO H S	6920
SONG J**	(86)1506
SUN B**	(86)1386
TAM C Y	6287
TAM C Y	9867
TAM K C F**	9269
TAM K Y M**	9138
TAM L M	9226
TONG W Y	6441
TSANG C S J**	9835
TSE T L	6222
WONG K L	6607
WONG K Y	9370
WONG M**	9016
WONG M K	9613
WONG M Y	9199
WONG P K	9128
WONG S L	9476
WONG W F	9623
WONG Y C	9096
WU K C	9852
WU X**	5951
YANG Z**	6087
YIU N T	6932
YIU Y L	9833
YU S Y	9713
YUE C**	(86)1868
YUE H L Y M	9664
YUEN L T	9233
ZHANG H**	5171
ZHANG M M	6333
ZHANG Q**	(86)1873
ZHENG B**	5226
ZHENG H**	9367
ZHU E**	(86)1397
ZHUANG H**	5936

Phase 8 promotion period: 9 February 2026 – 15 February 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
TSUI Y W J**	9600

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
CHAN M H	9169
CHAN S L	6254
CHAN W W L**	9426
CHAU K L	9367
CHAU T L	6228
CHEN X**	(86)1302
DI Y**	(86)1519
HO Y**	9388
HUANG N F	9819
JIN S**	(86)1832
KWAN S H	6170
KWOK K N	5110
KWOK W C	9877
LAI C H	9414
LAM H K	9622
LEE K H	9687
LEE S M	9091
LEE W O	9361
LEUNG L C C**	9031
LI Y**	6763
LI Y**	5647
LIN C H	5948
LING S K	5917
LUK C Y	5166
NG W M	5599
NG Y P	9801
NIP Y H	9552
PUN F P	9228
SHEN Q**	(86)1896
SUEN M Y	9672
WANG Y**	6222
WONG H C	9556
WONG K F	6176
WONG N K	9189
WONG S T	9330
YING P Y S**	9881
YU C M	9385
YU W**	6849
YU Y**	(86)1805
ZHEN Y**	9588

HK$100 Cash Reward (100 winners)

Surname	First 4 characters of phone numbers
CAI P**	(86)1380
CHAM K C	9704
CHAN C H	6195
CHAN C M	9661
CHAN K L	6289
CHAN K W N**	9177
CHAN K Y	9202
CHAN W K	5135
CHEN R**	(86)1342
CHEUK H C	5600
CHEUNG M K	9457
CHEUNG S P	6509
CHING C H	9212
CHIU K K	9630
CHONG S L	6097
CHONG Y T	9813
CHU N T A**	6716
CHUNG K W	9400
DENG Q**	(86)1511
DENG Y**	5105
FUNG K W	9663
HAU S P B**	9203
HE J**	6112
HE X**	(86)1389
HO K H	9732
HO M T	9363
HO W C	6284
HONG S**	(86)1373
HU Z**	6937
HUI K S	6848
KANG X**	5225
KEE H Y	9518
KEUNG W Y	9498
KWOK K C	9130
KWOK S L	6077
LAI C K	6357
LAI K T R**	9038
LAI Y F	6100
LAM K Y	6822
LAM S S	9513
LAW C H	6185
LAW K F E**	9688
LEE M L	9035
LEUNG H W	9178
LEUNG K M	6621
LI B**	(86)1855
LI C H	9120
LIE F M	6236
LIN F**	(86)1379
LIU Y**	(86)1892
LIU Y F	9779
LOU S I	(853)6827
NGAO C P	9056
ONG P**	9438
PAN X**	(86)1305
PANG P C	9787
PENG M F	(86)1382
QI Y**	(86)1372
REN L**	(86)1341
SHIU T F	9673
TAM C Y M H	9305
TAM K C F**	9269
TANG P H E**	9345
TANG S F	9485
TONG S L	9262
TSAI Y N	9405
TSE F T	9206
TSUI P L	6050
TUNG L F	9839
WANG Q**	(86)1370
WANG X**	6469
WANG Z**	(86)1776
WONG C S P**	9150
WONG H H	9371
WONG H W	4678
WONG H Y	9083
WONG K H	9269
WONG K P C**	6608
WONG L L E**	9250
WONG L S A**	9101
WONG S C	5160
WONG S T	9782
WONG T T	9130
WONG W C	6219
WONG Y M	9213
WU X**	6068
XIANG P**	(86)1501
XU C**	(86)1501
XU J**	(86)1379
XU L**	(86)1867
YEUNG P Y	9887
YI C**	9125
YIP K C	9191
YIP K H	+1(604)7819
YIP Y S	5138
YU C Y	9709
YUEN S Y	9861
ZHANG L**	(86)1398
ZHONG J**	(86)1868
ZHOU W**	5345

Phase 9 promotion period: 16 February 2026 – 22 February 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
SHAH N B	5343

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
CHAN C W	9582
CHAN K H	5540
CHAN Y C L**	9771
CHAU T L	6228
CHEN J**	5610
CHEUNG K B T**	9169
CHEUNG W Y	6138
DONG M**	(86)1347
FUNG K H S**	9836
HO F K	9731
JIN J**	(86)1529
KAN S C	9776
LAM F S	6750
LAM P**	6744
LAM S L	9259
LAM W K	6303
LAU Y H	9017
LEUNG K H	6239
LEUNG M F	9529
LI L L C**	9276
LIU C**	(86)1363
LO T M	9802
MOK H L	9635
PAN J**	4640
SHING W K	5166
SHUAI J**	5324
SIU C H	6804
SO H C	6160
TAM K H	6440
WAN C C	9435
WANG F**	9673
WONG F Y A**	9252
XIONG Z**	9572
XU J**	6895
YAO C**	(86)1385
ZENG X**	(86)1360
ZHAN Z**	(86)1768
ZHAO M**	(86)1538
ZHENG G**	9726
ZHONG Y**	(86)1343

HK$100 Cash Reward (100 winners)

Surname	First 4 characters of phone numbers
CAO J**	(86)1558
CHAN C H	9847
CHAN K H	6225
CHAN W Y	9268
CHEN D**	(86)1395
CHEN K**	(86)1381
CHEN X**	9337
CHEN Y**	(86)1361
CHENG C F	9186
CHENG Y N	+1(873)3558
CHEONG I M	9259
CHEUNG K**	9589
CHEUNG M L	9349
CHEUNG S L	6200
CHEUNG S Y	9283
CHEUNG Y Y	9040
CHING W T	9022
CHIU S L	9321
CHOW H C	9803
CHOW Y C	9271
CHU W C	9704
CHUNG H Y	9256
DELHAISE P F	9047
FAN H F	9228
FAN N Y	9207
FONG W L	6343
HE X**	6178
HO T S	5931
HO W L	9137
HUANG N F	9819
KAM S Y	9342
KONG K F	9349
KWAN L Y E**	6036
KWONG K W K**	6300
LAI K W	6055
LAM F P	9609
LAM H S	6760
LAN J**	(86)1869
LEE C Y	9812
LEE J A	5685
LEE K C B**	9822
LEE K M	6841
LEE M H	9616
LEUNG P Y E**	6804
LEUNG S F	9700
LEUNG W H	9538
LEUNG W S	6211
LI D**	(86)1331
LI H**	(86)1801
LI J**	6930
LI K**	(86)1330
LI W Y	9212
LI X**	(86)1855
LIAN Y**	6954
LIU H**	6335
LO C K	6383
LONG K**	9351
LONG M**	5516
LU X**	5300
LUO X**	5577
LYU J**	(86)1993
MA G**	(86)1779
MAN C Y E**	9143
MOU M O	(853)6659
NG D R S W	(853)6685
NG S Y	9036
ON Y L	9770
QIAN J**	5642
SI B C N**	9304
SING P Y	9401
SIU W K	6576
SO Y**	6132
TANG P H E**	9345
TSANG K H	5328
TSANG Y L	9772
TSE C W	9033
TSE Y T	6110
TSUI S C	9308
TUNG C F	9657
WAN M L W**	9822
WANG Y**	(86)1381
WEN B**	(86)1390
WONG C H	6354
WONG C K	6686
WONG K F	9600
WONG M S	9105
WONG N K	9189
WONG S M	9162
WONG T H	5382
WU X**	6068
XIANG Y**	(86)1592
YAU S L	9588
YEUNG Y Y	9777
YIM Y T	5467
YIN X**	(86)1529
YU H**	(86)1582
YUE S F	9518
YUEN Y M	9349
ZHANG J**	(86)1890
ZHANG Y**	(86)1860

All winners will be notified individually by SMS.

Bank of China (Hong Kong) Limited

17 June 2026

Phase 4 promotion period: 12 January 2026 – 18 January 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
FOK W K	6151

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
CHAN M L	9627
CHAN M T	6292
CHAN P Y	9089
CHENG K W	9777
CHEUNG K N	9702
CHEUNG M F	9716
CHONG S C	6198
CHOW H C	9803
CHOY Y Y	9588
FAN M F	6433
HE F**	(86)1370
HU H**	9258
HUANG Y**	9101
JIANG C**	(86)1358
LAU Y Y	9308
LEE S C	9196
LIAW C L	9763
LIU D**	(86)1379
LIU K K	9644
LOW C K	5501
LU C**	(86)1371
MA H L	6387
MAK P Y	9638
MANG W L	9643
NG Y M	6239
SU Z**	(86)1866
TAM H T	9436
TANG Y L	5307
TSANG N C	9790
WANG Y**	6222
WONG C H	6130
WONG H Y	9721
WONG M W	6077
WU Q**	6970
XU X**	6938
YANG H T H**	9389
YANG M**	9528
YANG Z**	(86)1380
YIP C H R**	9216
ZHENG Y**	(86)1345

HK$100 Cash Reward (100 winners)

Surname	First 4 characters of phone numbers
CHAN C H	5186
CHAN L S	9098
CHAN M C	9285
CHAN M F	9047
CHAN M L W**	6539
CHAN S H	9199
CHAN T C C**	9840
CHAN Y L	9745
CHEN C**	9512
CHENG S F	9477
CHENG X**	(86)1891
CHEUNG L**	6575
CHEUNG M L	9713
CHEUNG P C	9802
CHEUNG S L	6200
CHEUNG W K L**	9555
CHING Y C	5407
CHOY L L	6011
CHUNG C S	9877
CHUNG S M	9583
FAN N Y	9207
FANG C**	(86)1881
FUNG T W W**	9722
GAO Z**	(86)1590
HO S F	6941
HO S L	6053
HO S W	9784
HO T L	9686
HSIA S K	9465
HU J**	(86)1882
HUANG B**	(86)1392
HUANG H**	5405
HUNG C S	5929
JIANG Y**	5988
JIANG Z**	6856
KWOK S W M**	6543
LAI C F	9402
LAI S K	6015
LAM A Y T**	6804
LAM C M W**	9040
LAM F P	9609
LAM K**	9216
LAM K S	6501
LAM S Y	9833
LAM Y Y	9804
LAU K W	9194
LAU W K	9056
LEE F M	9284
LEE W T	6803
LEONG S I	9133
LEUNG C H	9100
LI C K	5396
LI S**	6843
LI W C	6186
LI Y**	(86)1332
LIN Y T J**	9423
LO K**	6020
LYU C**	(86)1394
MA S Y C**	6755
MO M P M**	9288
NG T K	6022
NGUYEN T T	5917
PANG T F	6125
PANG W**	(86)1352
QIAN Y**	(86)1580
QU M**	(86)1370
SHIU P Y	9732
SIN K T	9476
SUEN L T	6482
SUM S M	6987
TAM Y L E**	6176
TAN Q**	(86)1350
TANG C H	9131
TANG W C	9633
TONG Y**	(86)1382
TSANG K M	9836
TSANG M Y	9203
WANG Z**	(86)1372
WANG Z**	(86)1870
WEN W**	(86)1382
WONG C Y	6153
WONG L K	9465
WONG M S	9612
WONG M W	6683
WONG Y F	9221
WONG Y L	9203
XU S**	6389
YAN Q**	6732
YEUNG C Y	9437
YIN X**	(86)1300
YIP M K K**	9208
YIP S L	9018
YU T L	6687
YU Z**	(86)1350
YUEN C M	9802
YUEN R M H**	9132
YUEN W K	9166
ZENG Y**	5539
ZHANG M M	6333
ZHANG X**	(86)1866

Phase 5 promotion period: 19 January 2026 – 25 January 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
SHAN H**	(86)1332

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
CHAN C Y I**	6030
CHAN T K	6206
CHAN Y C	9071
CHENG K L C**	9706
CHIN K S	6590
CHING C Y	9344
CHIU M Y M**	9231
CHOW Y L	9212
CHU H K J**	6991
CHU K H	9211
CHUNG K T	9286
CHUNG S Y	9166
DAI P**	(86)1335
FANG G**	9538
FANG H**	(86)1770
FUNG K C	9743
HUANG X**	6263
KEUNG K S K**	5703
KHO S**	9202
LAI L K R**	9834
LI C**	(86)1594
LI D**	9164
LIANG X**	5272
LO C Y	6128
NG W Y	9183
PANG W C	6100
SO T M	9493
TSANG K W	9642
TSE Y S M**	9602
WONG C H	9048
WONG C M	9022
WONG F Y	6183
WONG S M	9851
WU K C P**	9431
XIE Y**	6997
YANG C**	5958
YEUNG C S R**	6275
YIP S M	9750
YU C N	6154
ZHANG J**	(86)1392

HK$100 Cash Reward (100 winners)

Surname	First 4 characters of phone numbers
AU W K P**	9207
AU Y K L**	6944
CAO J**	(86)1558
CHAK P C	6873
CHAN C O	6157
CHAN C W	9784
CHAN H K	6017
CHAN I K	5423
CHAN K C	5119
CHAN K H	9217
CHAN K T	9605
CHAN W C M**	9401
CHAN W H	9321
CHAN Y Y	6278
CHAU K H	9792
CHAU Y**	9407
CHEN H**	(86)1312
CHEN J**	(86)1867
CHENG C F	9736
CHENG T Y	6273
CHEUNG L W	9490
CHIM S M	6466
CHIU K C	9334
CHIU Y W	9751
CHOI Y Y Y**	9163
CHOW K T	9022
CHOW K Y	6082
CHOW T T	6342
CHU H M	9172
CHUK L P	9216
CHUNG W L	9029
FOK W L	9011
GUI X**	(86)1399
HE H**	(86)1390
HO C K	6237
HO Y K	9256
HUANG J**	(86)1363
HUEN P M	6064
HUI F T	9812
JIANG J**	(86)1379
KAM T M	9151
KAM Y H	9511
KO S M	6130
KONG K K	9669
KWOK M Y	9485
LAI S K	6015
LAI W Y	9219
LAM C H	6026
LAM P L	9522
LAU H Y	9741
LAU K S	9657
LAU Y S	9789
LEE K H	9687
LEE M Y	6587
LEE W O	9010
LEE Y H E**	9099
LEUNG W H	6513
LEUNG W L	9421
LI Q**	(86)1584
LIANG F**	6765
LING L H	9212
LO W F A**	9284
MA K**	(86)1825
MAK F T	9491
MO C C	5725
MO M P M**	9288
MOK M T F**	9882
NG S W	9628
ONG P**	9438
SHAO H**	(86)1330
SHUI K**	6154
SI X**	(86)1399
SIT W L	9388
SUN J**	6350
SZETO P L A**	9120
TAM K C F**	9269
TAN Q**	(86)1350
TANG N C	9159
TSANG H M	6034
TSEUNG S N	9757
WONG C W	9206
WONG C Y	9313
WONG H R	9150
WONG H T	9801
WONG K I E**	9178
WONG K P C**	6608
WONG K S	9662
WONG N K	9189
WONG P C	9390
WONG S Y	9199
WONG W L	9300
WU H C A R W**	(886)9633
XU M**	(86)1832
YANG H T H**	9389
YANG X**	(86)1380
YIP Y L	9650
YUNG W F	9752
ZENG Y**	5539
ZHANG J**	(86)1562
ZHU C**	5265

Phase 6 promotion period: 26 January 2026 – 1 February 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
HO Y L	6011

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
CHAN K M	9730
CHAN L H	6130
CHENG K H C**	6254
CHENG K K	5989
CHENG P Y	9384
CHEUNG K H	5110
CHEUNG Y P	9287
CHIU S H	6433
DU H**	5626
HE H**	6654
HUI C Y	9710
HUI K S	5222
JIA H**	(86)1779
KE R**	(86)1343
KWAN C F	9862
KWONG T K	6283
KWONG Y S	5116
LAI Q**	5379
LAM Y**	6687
LEE M C	6023
LEE T T	5687
LEUNG S M	9076
LI K W	9634
LO W M M**	6696
LUO Y**	5119
MAN K H	6354
NG C H	6736
NG H Y S**	9277
NG K H	5166
NG T C	9519
NG W L	6994
TAM C W	5362
TANG H Y	9751
TO P K	9493
TONG N T	9122
TONG Y M R**	6752
TSANG P L N**	9810
WONG C W	9138
YU K F	9086
ZHOU G**	(86)1860

HK$100 Cash Reward (100 winners)

Surname	First 4 characters of phone numbers
CHAN C H B**	9070
CHAN F L	9270
CHAN H W	6152
CHAN K C	9631
CHAN K L	9879
CHAN L H	6112
CHAN M H	6476
CHAN O Y	6099
CHAN S C	9344
CHAN W M	6772
CHAN Y F	6038
CHAU K M H**	9636
CHEN F**	9503
CHEN J L	6390
CHEN Y**	(86)1507
CHENG C C	9280
CHENG C S	9744
CHENG K C	9323
CHENG L C	9081
CHIU C H	6557
CHOW M L C**	9324
CHOY L L	6011
CHUNG S F	9284
FU L H	9143
HAO L**	(86)1526
HE F**	(86)1370
HO C S	6173
HO K B S**	9374
HO K K	9225
HO W M	9303
HUANG C**	6271
JE W K	9135
KIT Y Y	9581
KWAN Y Y G**	9777
LAI C L	9634
LAM C T	6099
LAM K K	6180
LAM L M	9625
LAU C K	9640
LAU L F	6233
LAW K W	9689
LAW W K	6384
LEE C W	9181
LEE L H	9266
LEE M W	6273
LEE S B	9802
LEE T W	6379
LEE Y M E**	9198
LI G**	5590
LI L**	(86)1307
LI W H	6899
LIAN Z**	(86)1788
LIANG C H	6246
LIN Y**	9038
LIN Z**	(86)1382
LO K C	9084
MAK D L	6470
MAN S S F**	6012
MOK W L	6350
NG S W	9628
NG S W C**	9234
NG W C	9718
O M W	5366
SHUM W P	9226
SIN S Y	5480
SIU K S	9755
SIU W K	5117
SUEN H Y	5111
SUEN M T	5425
TANG L**	(86)1589
TANG W**	6745
TSE F T	9206
TSE K M	6387
TSE T L	9780
TSOI K Y	9302
WANG T**	(86)1751
WANG Y**	(86)1500
WONG C M	9656
WONG K H	6431
WONG K K	5533
WONG K W	9522
WONG K W	6879
WONG M C	9388
WONG S H	9613
WU K C	6824
XIAO J H	(886)9686
YANG Z**	9798
YANG Z**	(86)1328
YEUNG H H H**	9200
YEUNG H K	9187
YEUNG K F	9452
YEUNG P M	9342
YEUNG P Y	9807
YIP C W	5114
YIP O K	9556
YIU H K	9625
YU C H	6124
YU T L	6687
ZHANG W**	9765
ZHENG X**	9841

All winners will be notified individually by SMS.

Bank of China (Hong Kong) Limited

17 June 2026

Phase 1 promotion period: 22 December 2025 – 28 December 2025

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
WANG Z**	(86)1535

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
AU T C	5113
CHAN H Y C**	9216
CHAN P K	9136
CHAN Y**	5421
CHAO M K	9195
CHEUNG K H H**	9177
CHEUNG L Y	5546
CHEUNG P S	9366
CHU P Y	9193
FANG J**	(86)1852
HO H Y	5169
HO K H	9205
HO M S	9609
HUNG C K	6979
LAI C W	6285
LAM K S	9605
LAM S Y	6891
LAW T**	9343
LEE H L	9873
LEE Y H	9151
LEUNG M K	9222
LEUNG N M	9285
LIU H**	(86)1313
LO H M	6078
LUNG C K	9757
MA B**	6661
MA C**	(86)1869
NG H T	5114
PAU W S	9019
SAEK P T T**	6133
SUN M**	(86)1399
SZETO W Y	9773
TAM W K	9332
TUNG W C E**	9831
WANG J**	6621
WU T F	5165
XIE J**	6845
YIP M L	6838
YU F M Q**	9786
ZHANG L**	6946

HK$100 Cash Reward (98 winners)

Surname	First 4 characters of phone numbers
ARCEO A P	5967
CHAN L S L**	9221
CHAN P S	9389
CHAN T L	9518
CHAN W Y	9712
CHAN Y H T**	9221
CHAU H L	9271
CHEN J**	(86)1331
CHEUNG C M J**	9754
CHEUNG H F A**	9424
CHEUNG K W	9010
CHEUNG M Y	6193
CHEUNG S Y J**	5511
CHEUNG W**	5980
CHEUNG W F	9804
CHIA C Y	9136
CHOI H M	9280
CHOI W N	6219
CHONG Y T	9813
CHU C N	9228
CHU P N F**	6095
CHU W F	9835
DUMAS L D	5599
FONG T S A**	9367
FU W Y W**	9845
GAO Y**	(86)1867
GUO S**	(86)1382
HO W I	5282
HOU C**	8496
HSU C Y	9807
HU L**	(86)1762
HU T**	4423
KO T K P**	9026
KWAI K**	9208
KWOK K K	9588
KWOK T S	6483
LAI S K	9306
LAM K C	9304
LAM K M	5616
LAM S Y	6052
LAU Y S	9622
LEE K C	(886)9392
LEE P S B**	9725
LEONG H I	5723
LI C Y	5499
LI K Y	9235
LI R**	(86)1861
LIANG D**	(86)1332
LIU S Y	6288
LIU T**	(86)1361
LIU X**	(86)1391
LIU Z**	(86)1314
LO Y F C**	9365
LUK L K	9447
MA L**	6629
MA Y**	6671
MAK C T	9831
MEI L**	(86)1380
NG H K	6579
NGUYEN T T	5917
PANG K S	9192
SHEN D**	(86)1775
SHI Y**	(853)6227
SIN T Y	9738
SIU W L H**	6232
SUEN S K	6437
SZE W K	9318
TAM W K	9312
TANG C K	5315
TANG S W	9125
TIAN Y**	(86)1767
TSANG C**	9583
TSANG C F	9179
TSE K W	9016
TSUI M Y	6690
WANG J**	(86)1381
WEI J**	(86)1366
WEI Z**	(86)1773
WONG C F	6189
WONG C K	6733
WONG H**	6099
WONG K N	9055
WONG K Y	6030
WONG M S	6350
WONG M T K**	9645
WONG O Y W**	9160
WONG P W	9536
WONG Y C	6900
WU M**	9289
XIA J**	(86)1381
XU X**	(86)1867
XUE W**	9041
YEUNG K L	9389
YIP K Y	9834
ZHANG W**	(86)1875
ZHAO X**	6589
ZHAO Z**	(86)1591
ZHI Y**	(86)1835

Phase 2 promotion period: 29 December 2025 – 4 January 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
TAM Y S C**	9216

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
BAO O**	6271
CHAN M K	9870
CHAN T L	9029
CHANG C K G**	6031
CHEUNG W C	6586
CHU W T	6645
CHUNG W H	5281
DING K**	(86)1801
FUNG W H R**	9091
GU Y**	9164
HO Y C	9506
HOI W S	5481
KWOK M P	6171
KWOK T Y C**	9220
LAM W I	(853)6630
LAW M K	9558
LI C M M**	6026
LI J**	6044
LIU S Y	6030
LIU X**	6909
LO L T	6683
MAK S L	6099
NG L T	9512
PAN Y**	(86)1380
SIU K H	6770
SO L W	5223
SO S Y	9828
SZE L**	6994
TSUI S Y	9148
WAN P S	6273
WONG H K	9328
WONG S L	6644
WONG W**	9186
XIAN Y**	6637
XU W**	6367
XU Y**	(86)1363
YEUNG L H	6992
YIP S H	6158
YUEN M W J**	6188
YUEN N T	9565

HK$100 Cash Reward (99 winners)

Surname	First 4 characters of phone numbers
CHAN C K	5110
CHAN L K K**	9384
CHAN Y M	9126
CHEN G**	9356
CHENG G**	(86)1333
CHENG N L	5178
CHEUNG M**	9258
CHEUNG S F	6758
CHEUNG Y**	5303
CHIU W K W**	9578
CHOI M W	6226
CHOW F**	9750
CHUNG C M	N/A
CHUNG P S	9217
CHUNG Y L	6149
DENG Q**	(86)1379
FENG Y**	6030
FOK Y Y	5520
FONG W Y	9770
HA S T A**	(44)7709
HUANG H**	(86)1891
HUANG J**	6318
HUI W A	6276
HUNG L Y	6184
IP K W	6078
KEUNG C M	9757
KI K L	9344
KO M T	6258
KONG H L H**	6114
KWAN L W	9387
KWONG W Y V**	6462
LAM S**	(853)6338
LAM S B	9494
LAM W T	6054
LAU C P	9879
LAW H W	9874
LAW M C	9635
LEE C S	9429
LEE H W	5160
LEE K H	6999
LEE K K K**	9487
LEUNG S L K**	9239
LEUNG T H	9190
LEUNG W K R**	9704
LEUNG Y L	9811
LI K N	9250
LI Q**	(86)1811
LI S Y	9663
LI Y**	5957
LIANG J**	9206
LU B**	(86)1310
LU F C	9270
LU Y**	(86)1859
MA Q**	(86)1359
MAK P Y	9638
NG K H	9872
NG M L	9156
NG T L	9689
NG W K	9772
O H N	6402
OR C K	6733
PANG O N A**	9191
SHEK C K	9258
SHEN G**	5109
SHIU S N	6128
SUNG K O	9722
SZE C W	9306
TAN Y**	6236
TANG S**	(86)1597
TANG Y C	6737
TANG Z Y	6956
TSE O M	9201
WAN H**	(86)1889
WANG H**	(86)1345
WANG L**	(86)1733
WONG C L	9666
WONG K H K**	9541
WONG K M	9644
WONG K W	9188
WONG K Y	6110
WONG Y L	9807
WU L**	(86)1766
WU T C	9171
XIA L**	6911
XU J**	(86)1881
XU J**	(86)1596
XU R**	6916
XU Y**	9314
YAN J**	(86)1777
YAU Y H	6653
YE P D	6801
YEUNG C C H**	9139
YEUNG C M	6445
YIP K C	9191
YIP P O	9203
YUEN W K	9823
ZHANG X**	6281
ZHANG Z**	(86)1306
ZHOU J**	6675

Phase 3 promotion period: 5 January 2026 – 11 January 2026

Lucky draw date: 25 March 2025

Winners:

HK$10,000 Cash Reward (1 winner)

Surname	First 4 characters of phone numbers
YU K Y	6409

HK$500 Cash Reward (40 winners)

Surname	First 4 characters of phone numbers
AN C**	5951
CHAN L P	6768
CHEN C**	(86)1508
CHEN H**	(86)1762
CHEUNG K Y R**	9125
CHING S M	5185
CHONG K W	9589
FU K B	9776
FUNG M F	6298
GUO Y**	(86)1550
HO K Y	5535
KWOK Y W	9407
LAI Y C	6155
LAM T M	9878
LAU S Y	6683
LEUNG C Y	9830
LEUNG M K A**	6195
LEUNG T H	6826
LEUNG Y W R**	9495
LI L**	(86)1882
LI P M	9080
LO K**	6020
MA J**	(86)1391
MA Z M	6406
NG K H E**	9225
NG K T	9250
QIN J**	(86)1335
SHI J**	6282
SUNG F B	9101
TANG H K	9424
TANG H Y	9751
TANG Y L	9624
TSANG P L N**	9810
WANG W**	(86)1895
WONG C M	9657
WONG K**	6077
XU R**	(86)1590
YEUNG C S R**	6275
YIP S Y	9499
ZHANG Q**	(86)1351

HK$100 Cash Reward (100 winners)

Surname	First 4 characters of phone numbers
BAI R**	(86)1531
BI D**	6679
CHAN C S	6300
CHAN K C	6307
CHAN K C	9042
CHAN K L	6482
CHAN M S	9668
CHAN S H	9499
CHAN S M	6692
CHAN W K	9418
CHANG Y**	(86)1358
CHAU T L	6228
CHEN J**	(86)1867
CHENG W Y	6055
CHEUNG C K	5299
CHEUNG M C	9490
CHEUNG S L	9186
CHEUNG Y T	9705
CHIANG S Y	9367
CHIANG Y W	9707
CHOI Y T	9248
CHONG S T	9021
CHONG W K E**	9514
CHOW L W T**	5405
CHU W Y	9268
DENG X**	(86)1360
FUNG K M	9218
FUNG K S L**	5594
GAO Y**	(86)1891
HO M T	9363
HUI W F	5489
IP W C	9588
JIA C**	(86)1560
JIA W**	(86)1584
JIE X**	(86)1582
KEUNG W Y	9498
KWAN W L	9610
KWOK K Y	6181
KWOK Y C	9634
KWONG L F	9833
LAM C T	6099
LAM C Y	6110
LAM M C	9414
LAW L L	6874
LAW S Y	9478
LEE Y L	6055
LEONG S I	9133
LEUNG C F	9647
LEUNG K S	6200
LEUNG L Y	6095
LEUNG M F	9529
LI G**	5664
LI K Y	9885
LI S P	9313
LIAO S**	6226
LING Z**	(86)1896
LIU W**	(86)1837
LO C K	6223
LUE W L	9463
LUI Y P	9406
LUO C**	6166
NG K L	6162
NG K Y	6851
NG K Y C**	6791
NG S H	9673
SI Y**	(86)1352
SO S S	6601
SUN W**	(86)1762
SZE C C	5339
TAO Z**	(86)1381
TSOI P Y	6536
TUNG C F	9657
WAN K K D**	9041
WANG B**	9095
WANG L**	(86)1591
WONG K C	9198
WONG L M	9736
WONG L S	6793
WONG M**	9016
WONG S F	6226
WONG W Y	6134
WONG Y M	9268
WU B**	(86)1893
WU T**	5293
WU Z**	(86)1852
XIAN J**	(86)1390
XIE M**	9200
YANG Z**	(86)1380
YEUNG H S	6302
YEUNG P Y	9887
YIN R**	(86)1876
YIN Z**	(86)1381
YIU S L	9109
YU H S	6993
YUEN L T	9233
YUNG K L	6431
ZENG C**	(86)1845
ZHENG G**	9726
ZHOU H**	(86)1582
ZHU D**	(86)1981

All winners will be notified individually by SMS.

Bank of China (Hong Kong) Limited

17 June 2026

Due to system maintenance, the below listed services related to BOC credit cards may be interrupted for a short period of time with details shown below. Please make advance arrangements if necessary. We apologise for any inconvenience caused.

03:00 am to 07:00am on 7 Jun 2026 (Sunday)

• QR Code payment service via Alipay
• BOC Pay+ Wallet Top-up from Credit Card service
• Automated Teller Machine (ATM) services
• Available balance update after credit card repayment
• Credit Card Installment and Cash Before Card services
• Card Application, Card Binding, and Card Activation services

For enquiries, please call our 24-hr Customer Service Hotline at（852）2853 8828.

Promotion period: 21 January 2026 – 31 March 2026

Lucky draw date: 23 April 2026

Winners:

Grand Prize: RMB 10,000 Cash Rebate (1 winner)

English Name	First 4 characters of phone numbers
CAI X******	1390

2^nd Prize: RMB 5,000 Cash Rebate (10 winners)

English Name	First 4 characters of phone numbers
CHANG X*******	1397
LI S*****	1786
LIANG Y****	1552
WANG Z******	5993
ZHANG Y*****	1383
XIANG B*	1892
KANG J******	1904
GAO D********	1593
HUANG Y******	1587
SIN P H*	9275

3^rd Prize: RMB 3,000 Cash Rebate (30 winners)

English Name	First 4 characters of phone numbers
TAO L******	1762
ZHANG Y*******	1328
CHEN X****	1770
XU X********	9512
CHEN W**	1760
CHEN W*******	6462
CHEN M F*	9703
HE D**	1866
CHEN T***	1826
ZHANG B*****	6942
ZHOU H**	8402
CHUI K H*	9551
LI Z*****	5324
TANG Y*****	1597
PENG J*****	1375
KWONG C* C**	6713
WU Z******	1597
FENG Y*******	4670
LAM L S C*********	9572
LI C****	1358
XU Y*****	1358
LAN K****	1506
LIU Y******	1582
SIN K W	6099
TANG J*****	1782
YANG Y****	1868
LUI S C**	9433
XING J**	1581
CHOW M C*	6178
HOU X******	1662

4^th Prize: RMB 1,000 Cash Rebate (100 winners)

English Name	First 4 characters of phone numbers
SONG W**	1919
GUO R******	1733
RUI L*	1300
WU H*****	6090
YU J******	5422
TANG W* H*	9422
YANG Z*****	1381
HU T T*	6610
LIU Y L*	9032
HAN S*******	1343
JIANG L**	1510
SU Y***	1370
WANG X***	1530
ZHANG J**	1881
LIU T*******	1366
ZHANG S******	6705
LAU K* L** F**	9679
WONG K* L**	9341
TANG W*****	1593
WU S*******	1312
LYU Y*****	1533
SONG S*********	1956
HE H*****	1970
HUANG Q*******	7097
TONG P****	6854
CHONG S* K	6371
NIU J*******	1364
LAM M* F* L******	6972
GENG J**	1863
ZHENG F*****	1880
ZHANG C*******	1870
DING W******	1913
LI Z******	1531
YUAN P******	1561
JIN F***	1395
LIN F***	1867
ZHANG W*****	1326
BI L***	9669
WU L******	1982
KE H*	1898
CHEN Y******	1526
BIAN H**	1764
WONG C Y	9077
BEN T******	1381
XU J****	1358
PENG G*****	1551
HE X********	1356
HUANG S*****	1318
LI T***	1341
KONG M*******	1502
LIN F******	1385
WANG J**	1530
LIU X*******	5107
CHAN Y F*	9230
LIN Y*****	1520
CHAU M**	9682
WANG D***	1858
LI W*****	1868
HUANG F*******	1369
LEUNG K* L**	5998
LUO F****	1869
QU Y*****	1300
ZHANG Z*****	1511
LIU X*******	1358
HO T L*	5501
XU L***	1506
LIU Q*	1912
CHEN Q*******	1515
LIN F****	1768
LAM S* K*	9653
ZHANG Y*******	6676
LI H*	1592
ZHANG Z****	1335
REN Y*****	1502
HUANG L******	1352
LAI H*** K*	9282
LEE C* Y* E***	6185
CHAN S P*	9255
SO T* H*	9768
PAN A****	1391
TONG L K	9687
GU L***	1380
CHEN Y*****	1781
LIU Y***	1530
WANG S****	1395
CHAN Y* C* J*	1782
FUNG K P*	9039
WONG K* S****	9711
ZHANG B*****	1525
CHEN X***	1390
JIANG C*****	1889
CHEUNG M H	9881
YUAN Y******	1588
LI Z******	1850
GAO H******	6353
LUI M L*	9543
YIN L****	1772
YAN W******	1333
QIAN B****	9379
XIAO H*****	1528

Cash Rebate have been deposited into Winners’ Account on or before 13 May 2026.

Bank of China (Hong Kong) Limited

18 May 2026

To provide a better and more secure digital banking service, BOCHK Mobile Banking will be upgraded in June 2026. If your mobile device is running iOS 14 / Android 10 or above, you can continue to use BOCHK Mobile Banking as usual. If your device is running iOS 13 / Android 9 or below, please update your mobile operating system.

In addition, to ensure customer data security and provide more stable Internet Banking and website services, please update your browser to the latest version. For the browser requirement, please visit our bank’s website www.bochk.com (Home > Security Information > Online Security Tips and Information > Recommended browsers for minimum security requirements).

For enquiries, please contact our online chat or contact us at (852) 3988 2388.

Bank of China (Hong Kong) Limited

18 May 2026

According to the information released by the Steering Committee of the "Support Fund for Wang Fuk Court in Tai Po", the Steering Committee would like to express its heartfelt gratitude to all individuals and organizations across society who have generously responded to the Government’s appeal and contributed to the Fund. Each donation reflects genuine care and support for the affected residents.

The Government has implemented the following special arrangements for donors and organizations contributing to the "Support Fund for Wang Fuk Court in Tai Po":

1. Donation Appreciation Arrangement

The Government hopes to send letters of appreciation to donors or organizations to express its gratitude. Donors who wish to receive a letter of appreciation are kindly requested to register via the website: www.cefs.gov.hk/form/hab033/

2. Donation Receipts and Tax Deduction Arrangements

Under the Inland Revenue Ordinance, for donations of HK$100 or more made throughout the year, donors are eligible for applying tax deduction. To facilitate tax deductions for donors, the government has made the following special arrangements for donors to the "Support Fund for Wang Fuk Court in Tai Po":

• Donors who made bank transfer of HK$50,000 or less to the account of the "Support Fund for Wang Fuk Court in Tai Po", are not required to apply for a separate official donation receipt and can apply for tax deduction. However, donors must retain supporting records such as bank transfer or online transaction records, to prove that the donation was directly deposited from the donor’s account to the designated account of the "Support Fund for Wang Fuk Court in Tai Po", so that they can be submitted for verification if the Inland Revenue Department conducts random audits in the future.

• Donors who made bank transfer or cash donations of HK$50,000 or more, and wish to apply and obtain for an official donation receipt should visit www.taipofire.gov.hk/chi/taxdeduction.html for further details and to submit the application.

• Donations made through other charitable organizations rather than being made directly to the "Support Fund for Wang Fuk Court in Tai Po", please contact that respective charitable organization directly to obtain an official receipt.

For more information on these arrangements, please visit the official website of Support Services for Wang Fuk Court in Tai Po at: https://www.taipofire.gov.hk/chi/index.html or contact the Steering Committee of the "Support Fund for Wang Fuk Court in Tai Po" directly.

Bank of China (Hong Kong) Limited

8 May 2026

Due to system maintenance, the below listed services related to BOC credit cards may be interrupted intermittently for a short period of time with details shown below. Please make advance arrangements if necessary. We apologise for any inconvenience caused.

1) 03:00 am to 07:00am on 3 May 2026 (Sunday)
• Online Transaction service
• QR Code payment service via Alipay
• BOC Pay+ Wallet Top-up from Credit Card service
• Automated Teller Machine (ATM) services
• Available balance update after credit card repayment
• Cash Installment, Statement Installment and Cash Before Card services
• Card Binding to Mobile Payment Service
• Card Application, Document Upload, Card Application Status Enquiry, Card Activation service

2) 02:30 am to 08:30am on 17 May 2026 (Sunday)

• Online Transaction service
• QR Code payment service via Alipay, UnionPay and BOC Pay+
• BOC Pay+ Wallet Top-up from Credit Card service
• Automated Teller Machine (ATM) services
• Available balance update after credit card repayment
• Cash Installment, Statement Installment and Cash Before Card services
• Card Binding to Mobile Payment Service
• Card Application, Document Upload, Card Application Status Enquiry, Card Activation service

For enquiries, please call our 24-hr Customer Service Hotline at（852）2853 8828.

Based on business conditions, please be informed that with effect from 1 May 2026 (“Effective Date”), Bank of China (Hong Kong) Limited (“BOCHK”) will no longer provide the “RMB Gift Cheque” issuance service. For customers still holding RMB Gift Cheque issued on or before 30 April 2026, gift cheque deposits and payments remain unaffected. Please make arrangement in advance if necessary.

Should you have any enquiry, please contact BOCHK Customer Service Hotline at (852) 3988 2388.

Bank of China (Hong Kong) Limited

1 April 2026

Remark: Should there be any discrepancy between the Chinese and the English versions of this notice, the Chinese version shall prevail.

Thank you for using the Consolidated Account View service of Bank of China (Hong Kong) Limited (“Company”/ “our bank”).

Please be informed that the Consolidated Account View Terms and Condition (“T&C”) has been amended and will be effective from 29 March 2026 (the “Effective Date”). Part A below sets out a summary of the key amendments to the T&C. In Part B, details of the amendments are provided for your ease of reference.

Part A: Summary of Key Amendments

Summary

For our bank accessing your data from other data provider banks, the transaction date range will be extended from the past 60 days to a maximum of past 120 days, subject to the data availability from your connected data provider banks.

Part B: Details of Key Amendments

Amendments

Paragraph “Your Account Transactions” shall be amended as follows:

- Transaction Information on payments made in both credits and debits out of your account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code) up to over the past one hundred and twenty (120) days in non-aggregated form. Includes information about the payer/payee.

Please note that your continuous use of the Company’s Consolidated Account View service on or after the Effective Date constitutes your agreement and acceptance of the amendments on the T&C and the above service changes which shall be binding on you. The Company may not be able to continue to provide relevant applicable services to you if you do not accept the amendments on the T&C and service changes. You have the right to manage your consent through our Mobile Banking (Menu > Account > Accounts with other banks).

The amended version of the T&C will be available at our official website (Home > More > Terms and Conditions for Services/Products) from the Effective Date. Customers can also download this customer notice from our website through “What’s New” on or within 30 days of the Effective Date and customers may not be able to access or download such customer notice afterwards.

Provision of Notice of Amendment to Terms and Conditions in Electronic Format

For your ease to receive and store the Bank’s notices of amendments to the terms and conditions or changes of fees and charges of our products and/or services and for the purpose of eco-responsibility, we will continue to deliver such notices to you via electronic means. If you would like to receive hard copies of the same, please contact us or approach us through online chat.

Should there be any discrepancy between the English and Chinese versions of this Notice, the English version shall prevail.

For enquiries/responses about this Notice, please call our Customer Service Hotline:

Bank of China (Hong Kong) Limited: (852) 3988 2388

Starting from 29 March 2026, our bank will discontinue the service for transferring funds to other BOCHK accounts through BOCHK iService. We apologise for any inconvenience this may cause.

For enquiries, please contact our Customer Service Hotline at (852) 3988 2388.

Thank you for your continuous support to Bank of China (Hong Kong) Limited (the “Bank”). Please be informed that the Bank will increase the initial cash margin requirement and lower the open position ceiling for Precious Metal Margin Trading, effective from 31 March 2026 (“Effective Date”).

	Initial Cash Margin Requirement
	Before Effective Date	On and after Effective Date
Local London Gold (LLG), Tael Gold (99G) and Kilo Gold (KLG) margin	7%	10%
Local London Silver (LLS) margin	10%	18%
FX margin	No Change (5%)

	Open Position Ceiling
	Before Effective Date	On and after Effective Date
Tael Gold (99G/HKD)	60,000 TAEL	15,000 TAEL
Kilo Gold (KLG/HKD)	No Change (500,000 g)
Local London Gold (LLG/USD)	200,000 OZ	20,000 OZ
Local London Silver (LLS/USD)	2,000,000 OZ	1,100,000 OZ
FX margin	No Change

Please be informed that the Bank’s Instruction - Precious Metal/FX Margin (“The Instruction”) will be amended accordingly. Part A of the amendment details enclosed sets out a summary of the amendments. In Part B, details of the amendments are provided for your ease of reference.

As a reminder, it is your obligation to monitor your account and ensure that at all times you have sufficient margin fund. We are not obliged to notify you of any insufficiency. By having a Precious Metal/FX Margin Trading Account with us or by using any of our Precious Metal/FX Margin Trading Account service we provide on or after the Effective Date, you acknowledge and agree that the amendments to “The Instruction” shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide related services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of “The Instruction” will be available at our official website (www.bochk.com) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Part A: Key Amendments

“Instruction - Precious Metal/FX Margin”

Summary of the amendments / Important Notes
Section	Point	Key Amendments
Trading	6. Margin Trading Examples	Initial cash margin requirement and price for example 1 and 2 of precious metal margin trading will be amended.
Margin Requirement	1. Initial Cash Margin Requirement	Initial cash margin requirement for precious metal margin will be amended.
Open Position Ceiling	Net Position Ceiling for each Trading Currency/Precious Metal	Open Position Ceiling for precious metal margin will be amended.

Part B: Amendment Details

“Instruction - Precious Metal/FX Margin”

Section	Amendments
Trading	Amend Point 6 as follows: 6. Margin Trading Examples • Precious Metal Margin: Example 1: If you have a bullish view on Local London Gold (LLG) 1. you buy 4 lots of LLG (=200oz) at USD 4,000 /oz. 2. the initial cash margin required to be in your margin trading account will be USD80,000 (being USD 4,000 x 200 x 10%) or its equivalent in other currencies. 3. you sell 4 lots of LLG at USD 4,050 /oz to square your position. Profit from the investment: = USD [200 × (4,050 – 4,000)] = USD10,000 Example 2: If you have a bearish view on Local London Silver (LLS) 1. you sell 4 lots of LLS (=10,000oz) at USD 70.00 /oz. 2. the initial cash margin required to be in your margin trading account will be USD126,000 (being USD 70.00 x 10,000 x 18%) or its equivalent in other currencies. 3. you buy 4 lots of LLS at USD 71.50 /oz to square your position. Loss from the investment: = USD [10,000 × (70.00 – 71.50)] = - USD15,000
Margin Requirement	Amend Point 1 as follows: 1. Initial Cash Margin Requirement • Initial cash margin requirement is calculated based on the market value of the contract amount or its equivalent in other currencies. • The initial cash margin requirement for FX margin is 5%, the initial cash margin requirement for Local London Silver (LLS) is 18%, and the initial cash margin requirement for Local London Gold (LLG), Tael Gold (99G) and Kilo Gold (KLG) is 10% (subject to revision by the Bank at its sole and absolute discretion when necessary).
Open Position Ceiling	Amendment: The open position ceiling for Local London Gold (LLG) will be amended from “200,000 OZ(4,000 lots)” to “20,000 OZ(400 lots)” The open position ceiling for Tael Gold (99G) will be amended from “60,000 TAEL(1,200 lots)” to “15,000 TAEL(300 lots)” The open position ceiling for Kilo Gold (KLG) will remain unchanged The open position ceiling for Local London Silver (LLS) will be amended from “2,000,000 OZ(800 lots)” to “1,100,000 OZ(440 lots)”

Effective December 30, 2025, the Mobile Banking service will introduce a new "In-App Authentication for Transfer Services and Debit Card Verification" feature. If a customer's transfer functionality or debit card is suspended within Mobile Banking due to detected suspicious activity, the authentication method for reactivation will be updated. It will transition from the traditional two-way SMS transaction confirmation to verification performed directly within the Mobile Banking application.

When a customer's transfer service or debit card is deactivated due to suspicious activity and the customer meets the eligibility criteria for reactivation via the respective authentication process, the Bank will issue notifications through the Mobile Banking application, via SMS text message, and by registered email address. These notifications will inform the customer of the service suspension and provide instructions to complete the necessary authentication.

Eligible customers seeking to reactivate transfer services should navigate within the Mobile Banking app to Menu > Settings > Security Authentication > Authentication for Transfer Function. Primary debit cardholders (excluding supplementary cardholders) may reactivate their cards by accessing Menu > Settings > Security Authentication > Authentication for Debit Card within the app. Following successful authentication, the respective service will be reinstated for continued use.

Promotion period: 1 November 2025 – 31 December 2025 (Phase 3)

Lucky draw date: 13 January 2026

Winners:

Grand Prize: HK$50,000 Cash Rewards (1 winner)

English Name	First 4 characters of phone numbers
YE J******	5409

2^nd Prize: HK$25,000 Cash Rewards (1 winner)

English Name	First 4 characters of phone numbers
CHEUNG C* K	6731

3^rd Prize: HK$15,000 Cash Rewards (1 winner)

English Name	First 4 characters of phone numbers
YU Y K	5594

4^th Prize: HK$5,000 Cash Rewards (10 winners)

English Name	First 4 characters of phone numbers
CHAN C L**	9236
CHAN C** M*	6410
HUANG X*****	5624
LAM W Y*	9283
LEE Y Y*	9207
SUN R**	6997
SIU K* C***	6351
NG W C	9609
MOK K H*	9899
ZHANG T Y	9515

5^th Prize: HK$500 Cash Rewards (60 winners)

English Name	First 4 characters of phone numbers
WONG P** H*	6110
HO S H*	6831
CHAN L C**	6643
IP K*****	6076
CHAN W K**	6017
CAI X*****	(86)1332
CHAN K* L**	9626
WONG H**	9074
FUNG K K	6657
KUNG N* C**	9159
WONG L S	9600
LAM W L*	6056
NGAI C*** M*	6197
LO C** H L****	9751
FONG K* H*	6418
XIANG S******	5269
CHAN C*** T*	9346
NG S L**	6013
LI C** H	6739
WONG T L*	5481
WU L****	6912
SO K* T* W******	9499
WEI Y**	9762
CHEUNG C* M*	6921
WONG V*****	9018
DENG X*****	5407
FUNG Y L*	6044
CHOW Y** Y*	9408
HAN Z*****	(86)1910
SIU M* S E****	6580
LEUNG C* C**	9361
IP Y* S C**	6732
CHAN W* L L*****	9200
WONG Y P*	9646
NG T Y	9551
WONG W L*	5960
YIU O* K K**	9714
WU L H	6943
HUANG Z****	5616
CHIANG T M* C******	9688
SU X******	(86)1762
CHEN Z*****	7050
QU X******	6219
CHUI K* Y	9164
KWAN W* Y	9777
TAM C P*	9624
NG K* Y**	5126
YIP Y* C****	9833
XIE X*****	5132
CHEUNG M** S*	9042
NG S T*	9482
TSOI W* H*	6182
MUI M Y A***	9730
WONG L***	6929
CHOI W L*	5513
LAW S K	-
HAU K* L*	9221
CAO J**	6768
CHAN K F	9091
CHEN C******	6881

Cash Rebate will be deposited into Winners’ Account on or before 20 February 2026.

Thank you for using the services of Bank of China (Hong Kong) Limited and/or BOC Credit Card (International) Limited (each a “Company”).

Please be informed that the Company’s Data Policy Notice (“DPN”) has been amended and will be effective from 31 January 2026 (the “Effective Date”). Part A below sets out a summary of the key amendments to the DPN. In Part B, details of the amendments to different sections are provided for your ease of reference.

Part A: Summary of Key Amendments

Summary of amendments

Part B

Section No.

Removal of Po Sang Securities Limited from the subsidiaries of BOC Hong Kong (Holdings) Limited

1

Deletion of Po Sang Securities Limited’s Data Protection Officer’s contact information

2

Part B: Details of Key Amendments

Section

Amendments (Deletions are crossed out)

1

Paragraph 1 shall be amended as follows:

This Notice sets out the data policies of BOC Hong Kong (Holdings) Limited and its subsidiaries, including Bank of China (Hong Kong) Limited, BOC Credit Card (International) Limited, BOC Group Life Assurance Company Limited~~, Po Sang Securities Limited~~ and BOCHK Asset Management Limited (each a "Company", for as long as such Company remains a subsidiary of BOC Hong Kong (Holdings) Limited and notwithstanding any change in the name of the Company) in respect of their respective data subjects (as hereinafter defined). The rights and obligations of each Company under this Notice are several and not joint. No Company shall be liable for any act or omission by another Company.

2

Paragraph 19 shall be amended as follows:

The persons to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed are as follows:

~~Po Sang Securities Limited~~
~~The Data Protection Officer~~
~~Po Sang Securities Limited~~
~~4/F, BOC Yuen Long Commercial Centre,~~
~~102-108 Castle Peak Road~~
~~Yuen Long,~~
~~New Territories~~
~~Hong Kong~~
~~Facsimile: (852) 2905 1909~~

Please note that your continuous use of the Company’s services on or after the Effective Date constitutes your agreement and acceptance of the amendments on the DPN which shall be binding on you. The Company may not be able to continue to provide relevant applicable services to you if you do not accept the amendments on the DPN.

The same key amendments in DPN have been made to the Company’s Privacy Policy Statement (“PPS”) accordingly and will be effective from 31 January 2026. The amended version of the DPN and PPS will be available at our official website (www.bochk.com) (Home > “Important Notice and Privacy Policy Statement”) from the Effective Date.

Should there be any discrepancy between the English and Chinese versions of this Notice, the English version shall prevail.

For enquiries/responses about the Notice, please call our Customer Service Hotline:

Bank of China (Hong Kong) Limited: (852) 3988 2388

BOC Credit Card (International) Limited: (852) 2108 3288

Promotion period: 13 September 2025 – 12 October 2025

Lucky draw date: 24 November 2025

Winners:

2,000,000 BOC Credit Card Gift Points (1 winner)

Surname	First 4 characters of phone numbers
CHAN K Y	9099

HK$1,500 Cash Reward (10 winners)

Surname	First 4 characters of phone numbers
CHEN H**	(86)1589
CHEUNG K S	9400
CHIU W Y	9350
LAM S W K**	6131
PUN L Y	6288
SAM M H	4679
TANG S Y	9605
WONG W W	9098
YANG L**	6097
YUAN M**	6954

HK$500 Cash Reward (50 winners)

Surname	First 4 characters of phone numbers
CHAN W K	6808
CHAN Y M	9311
CHAU A Y K**	9840
CHENG Y S	9094
CHEUNG C H P**	6078
CHEUNG K S R**	9750
CHEUNG M W	9629
CHOI K S	9470
CHUNG N N	6605
DONG A**	(86)1550
HO C W	9831
HO L Y	9787
HO W Y W**	9778
HUANG T**	(86)1863
HUNG S K	9322
KWOK C Y	6999
KWOK Y T	6886
LAI S M	6042
LAM S H	6014
LAM Y L	9845
LAU K Y	9056
LAU M Y V**	9669
LEE M L	9644
LEE T H	6806
LEUNG C P M**	6155
LEUNG S C	9313
LI K**	5269
LI M K	9019
LIANG S**	5786
LIU W**	9245
LUI S L	9738
NG Y L	6088
PANG Y P	9864
POON W M	9374
TANG K K	9840
TANG S K	9335
TERADA K**	(81)9041
THAPA C**	4609
TSE S W	9773
WONG C C	9238
WONG C H	9551
WONG K L	5160
WONG P Y	6193
WONG T K	9701
YAN C F J**	5977
YANG Z**	6583
YEUNG H Y	9820
YEUNG S W	9450
YEUNG W C	9834
YU P Y	5917

HK$100 Cash Reward (400 winners)

Surname	First 4 characters of phone numbers
ADHIKARI K R	6685
ALMORADO R B	6573
AO D**	(86)1506
AU K W	9344
CABANILLA M L B**	9688
CAI B**	(86)1860
CHAN C H	9629
CHAN C K	6759
CHAN C Y	9631
CHAN H M	6687
CHAN H Y	9621
CHAN K C	6708
CHAN K H	9179
CHAN K H	6236
CHAN K S	6171
CHAN K S	6234
CHAN K W	9166
CHAN M Y C**	9102
CHAN O K	9835
CHAN P C	9027
CHAN P K	9289
CHAN P L	6295
CHAN P Y	6123
CHAN S M	6643
CHAN S P	9432
CHAN T Y	6400
CHAN W**	9658
CHAN W C	9109
CHAN W C	6281
CHAN W M	9329
CHAN W M	9103
CHAN W Y	9812
CHAN W Y	6200
CHAN Y K	9288
CHAN Y M	6149
CHAN Y M	9493
CHAU K Y	6308
CHEN L**	(86)1801
CHEN M**	5951
CHEN R**	(86)1377
CHEN X**	9804
CHENG J Y	9806
CHENG L**	9055
CHENG L F	9636
CHENG M Y	9873
CHENG S H	9421
CHENG S K I**	9208
CHENG S N	9402
CHENG Y C	6848
CHENG Y L	9072
CHEUK S F	6481
CHEUNG C T	9499
CHEUNG C W	6696
CHEUNG F S	9659
CHEUNG H W	9774
CHEUNG I I	9651
CHEUNG K L	9647
CHEUNG K M E**	9670
CHEUNG K Y	9221
CHEUNG L**	9020
CHEUNG T C	6071
CHIU K L	9136
CHIU Y K T**	9876
CHOI S Y	9633
CHONG L C	9408
CHONG W M	9463
CHOW A**	9576
CHOW C F	6888
CHOW C H	5131
CHOW C K	5183
CHOW P K	6932
CHOW W O	9779
CHU L W	6192
CHU M K	5588
CHU P H P**	6755
CHUI K K	9173
CHUI T L	6083
CHUK S S	9259
CHUNG H C F**	9806
CHUNG K K	9097
CHUNG L C	6449
CHUNG Y K J**	6828
CUI Y**	6990
DING J**	(86)1829
FENG K**	6971
FENG S**	9066
FOK H**	6751
FOK W N	9707
FONG C Y P**	9095
FUNG C W C**	9655
FUNG P C	9188
FUNG P S	9088
FUNG U C	6081
GAN L**	6805
GAN S**	(86)1305
HE Y**	5544
HO C W	9349
HO K N	9761
HO K O	5940
HO S M	9648
HO S W	6126
HO W H B**	9017
HO W K	9200
HO W L Z**	6228
HONG H**	9179
HONG K M	8491
HU S**	(86)1826
HUANG J**	6096
HUANG J**	9700
HUANG R**	5305
HUANG X**	(86)1997
HUI K H	5400
HUI P T	9751
HUI T W	5448
HUNG K Y	9870
HUNG L Y	6482
HUNG S T A**	9523
HUNG S Y S**	9822
HUNG Y T	9026
HUNG Y W	9441
HUYNH G L M**	6122
IAN I W	5117
IP B N	6193
IP H Y H**	9428
IP K Y	5177
IP S H	6400
JIAN M**	(86)1950
JIANG C**	(86)1305
JIANG Z**	(86)1766
KONG M Y	9045
KWAN M F	6331
KWAN P**	9866
KWOK C L	9655
KWOK K H	6341
KWOK P N	9784
KWOK P S	6538
KWOK T L	6436
KWOK W C	6878
KWOK W H	9655
KWOK Y L	6680
LAI H K	6171
LAI M C	5409
LAI O Y I**	9842
LAI P Y	9787
LAI W Y	9759
LAM C K	9188
LAM F**	9127
LAM K**	9729
LAM K C	6278
LAM L M	9624
LAM S H	6101
LAM S K	9437
LAM S K	9217
LAM T H	9814
LAM W C J**	9760
LAM W K	6012
LAU C C	9810
LAU C W	9278
LAU K C	9683
LAU K W	9018
LAU L K	9255
LAU N L	9483
LAU P K	6073
LAU S H	6123
LAU T F	6080
LAU W K	9331
LAU Y W	7071
LAW K I	9579
LAW K L	6102
LAW K M	6323
LAW T H	5448
LAW T W M**	9270
LAW Y N	9659
LEE C Y	6374
LEE K H	9213
LEE K W K**	9776
LEE M K	9217
LEE S L S**	9615
LEE W F	9040
LEE W L	9698
LEE W Y	9159
LEONG S I	9133
LEUNG C M	6088
LEUNG F S K**	9195
LEUNG K C	9757
LEUNG K K	9841
LEUNG M F	9529
LEUNG P S	9733
LEUNG P Y	6156
LEUNG S Y	9487
LEUNG W S	9079
LEUNG W Y	9334
LEUNG Y T	6688
LI B K	9474
LI C H	9817
LI C Y	9431
LI K C	9486
LI K M	9885
LI L M	9516
LI Q**	9076
LI S P	9313
LI S W	6438
LI W**	(86)1379
LI W H E**	9447
LI Y**	8495
LI Y**	5206
LI Y L	6037
LIU C**	(86)1785
LIU C W A**	9862
LIU H**	(86)1390
LIU J**	6217
LIU P Y D**	9031
LIU Y**	5616
LIU Y Y	6073
LIU Z**	5958
LO F P P**	9125
LO H S	6622
LO K C	9303
LO K W	9371
LO M K	9233
LO P Y	9699
LOK Y F	9451
LOO W K	9463
LU Y**	9742
LUK H Y H**	9234
LUK W Y	9097
LUNG H K	9508
LUO H**	5225
MA K L	9521
MA L**	(86)1353
MA M S	9669
MA X**	(86)1570
MA Z**	6995
MAK H F	6438
MAK K F	5332
MAN K Y J**	6603
MOK K M	9831
MUHAMMAD T**	5545
NG C K	6149
NG C M	9472
NG H C Z**	9651
NG H F	9284
NG H L M**	9503
NG H Y	6335
NG K C	6131
NG L**	9788
NG L F	9233
NG L W	9586
NG P S	9622
NG T F	6938
NG T Y	9049
NG W K	9348
NG Y**	6424
NG Y M A**	6108
NGAI C F K**	9021
NGAI L K	9715
NGO K C	9631
OR C Y V**	9787
PAN L**	6092
PANG K W	5402
PANG K Y	9196
PANG L W	9812
PENG L**	(86)1886
PENG R**	6264
POON P K	6023
PUN C H	6155
PUN M Y	9131
QIN S**	(86)1527
REN M**	(86)1990
REN W**	(86)1575
SEE F**	9374
SERWIT M S	4690
SHEK C W	9252
SHIU W K	9808
SHUM H K	6249
SHUM Y M	9663
SIA Y S	5926
SIU K C	6898
SIU L K	9156
SIU W S	9122
SIU W Y W**	9758
SO H Y	6622
SO S L	9222
SO W F	9383
SO W H	5127
SO Y W	6280
SOO C P	6293
SU J**	5749
SU P**	9467
SUBBA D**	6495
SUN C L	6730
SZE L Y	9831
SZETO K T	6906
TAI C**	6048
TAM K K	9800
TAM K M	9756
TAM M K	6979
TAM Y C	9020
TAM Y Y	6607
TANG C Y	9313
TANG C Y	6100
TANG K S	6526
TANG S H	5587
TANG T Y	9847
TANG W C	9677
TO C M	5661
TONG H W	9277
TONG S T	9221
TSANG C K	9785
TSANG C S	6747
TSANG K L	9733
TSANG K W	9536
TSANG K W	9035
TSANG W Y	9858
TSE C T	9628
TSE W K	6384
TSE Y**	5501
TSE Y B	9723
TSENG C H	5111
TSOI K K	9605
TSOI K T	6012
WAN W M	9136
WANG L**	6696
WAT K W	9833
WEI L**	(86)1858
WEI W**	6842
WONG C K K**	9689
WONG H N	9494
WONG H W	9212
WONG H Y	6976
WONG K F	9049
WONG K F	6343
WONG K M	9023
WONG K M	9420
WONG M C	9868
WONG M K	9832
WONG M K	6844
WONG M L	6689
WONG P K	9189
WONG P P	9488
WONG S H	9304
WONG S L	6733
WONG S T D**	9331
WONG S Y	9263
WONG T L	9741
WONG T Y	6067
WONG W H	6035
WONG W K	6572
WONG Y S	6420
WONG Y Y	6163
WU C F	6604
WU C L A A	9664
WU G**	6881
WU H**	6341
WU O M	9341
WU S W	9534
WU Y**	6628
WUN T K	9171
XIE L**	(86)1771
XIN J**	9492
XU P**	9307
XU Y**	6365
YAM H Y	9381
YAM W I	6891
YANG F**	5749
YANG Q**	5324
YANG X**	(86)1354
YAU H Y	6232
YAU M H	6313
YAU Y C	9433
YEUNG H H P**	6623
YEUNG K M	9160
YEUNG K W T**	6309
YEUNG M C	6386
YEUNG S S	9071
YEUNG Y E	5345
YICK M C	9523
YIM L F	6042
YIM S W V**	9088
YIP C M	9382
YOUNG P K	4414
YU C F	6701
YU K W J**	9732
YU M W	9226
YU S**	(86)1875
YU S M	9576
YU Y**	5620
YU Y K A**	5932
YUAN Z**	(86)1364
YUEN K Y	6233
YUEN M S M**	9540
YUNG M H S**	6713
ZENG H**	(86)1862
ZHANG X**	6762
ZHANG Y**	(86)1560
ZHENG H**	(86)1353
ZHONG M**	9829
ZHONG Z**	(86)1892
ZHU X**	5335
ZHUANG Y**	(86)1321

All winners will be notified individually by SMS.

Promotion period: 13 August 2025 – 12 September 2025

Lucky draw date: 24 November 2025

Winners:

2,000,000 BOC Credit Card Gift Points (1 winner)

Surname	First 4 characters of phone numbers
PANG M K	5408

HK$1,500 Cash Reward (10 winners)

Surname	First 4 characters of phone numbers
DAI C**	5604
FAN S**	5394
FUNG H H C**	6355
KWOK W Y	5402
LIN J**	(86)1306
TSANG K C	5189
WONG K M A**	9167
WONG S Y	5790
WONG T W	5191
YUEN T K	6779

HK$500 Cash Reward (50 winners)

Surname	First 4 characters of phone numbers
CHAN K Y	9855
CHAN S C	9071
CHAN S P	9432
CHAU K L	9627
CHEN J**	(86)1581
CHEUNG S C	9787
CHEUNG S F	6845
CHOI C L A**	9211
CHU W C C**	9222
CHUNG K Y	9582
CHUNG M F	6495
FAN P F	6480
FU C H Q**	(853)6290
FUNG H S	5313
FUNG L Y	6745
HO M W	9344
HO W L	9334
KWOK S M	9346
LAI S Y	6281
LAM K Y	9042
LAM P K	6078
LAW M C	9786
LEE K F	9812
LEE L Y	9255
LEUNG C H	9260
LO C W	6100
LU J**	(86)1343
LUI F J	6479
NG M F	6031
NG T Y	6317
PENG Z**	(86)1871
SHEN Z**	(86)1895
SIN B C P**	6891
SO H P	6099
SO K C	6172
SO P F	6200
STAALHANDSKE A T	5534
TAM S F	9011
WANG T**	6130
WAT M**	6234
WONG L S	6793
WONG M K	9832
WONG S L	9166
WONG W F	9640
WU H**	6995
YEUNG M L	9284
YIP K F	9722
YU K S	6978
YU L H	9170
ZHANG Y**	(86)1375

HK$100 Cash Reward (400 winners)

Surname	First 4 characters of phone numbers
AU K H J**	9015
AU Y F W B	6238
AU Y M	9522
AU Y S Y**	9491
BHUTIA W**	9683
BUN W K	6959
CHAICHOMPOO N**	6501
CHAN C C	6139
CHAN C H	6753
CHAN C H T**	9011
CHAN C N	9457
CHAN C S	9221
CHAN C W	6082
CHAN F C	6018
CHAN H S	9017
CHAN K C	9626
CHAN K C	6996
CHAN K C Y**	6691
CHAN K H	9176
CHAN K L	9742
CHAN K L	9837
CHAN K L K**	9463
CHAN K M	9708
CHAN K M	6173
CHAN K M	9233
CHAN K W	6601
CHAN K Y	9060
CHAN K Y	9831
CHAN K Y G**	9095
CHAN L W	9877
CHAN L Y	9632
CHAN M C	9103
CHAN M K	6684
CHAN M K D**	9882
CHAN P F	9373
CHAN S F	9525
CHAN S S S**	9377
CHAN T C E**	9360
CHAN T H	6932
CHAN T W	6471
CHAN T Y	6400
CHAN W C	9307
CHAN W T	9274
CHAN W Y	9812
CHAN Y M	6149
CHAN Y M	9493
CHAN Y P	6688
CHAU M S	6540
CHAU T M	9672
CHEN G**	9588
CHEN W**	(86)1866
CHEN Y**	(86)1881
CHENG C C	6103
CHENG H**	(86)1866
CHENG K H	5602
CHENG P W P**	9800
CHENG S Y	9655
CHENG W F	6334
CHENG Y C	6740
CHEUNG F H	9840
CHEUNG H M	6194
CHEUNG K H	9079
CHEUNG K M	9728
CHEUNG K S	9857
CHEUNG M C	6387
CHEUNG P L	6875
CHEUNG P S	9883
CHEUNG T F	9718
CHEUNG T T	9285
CHEUNG W K	9340
CHEUNG W M	9723
CHEUNG W Y	9375
CHEUNG Y M	9803
CHIN P K	9288
CHIU K S	9718
CHIU M M	9574
CHO C M	6804
CHOI H L	6013
CHOI L S G**	9220
CHOI Y F	9778
CHOW L S	6904
CHOW N H E**	6576
CHOW W L A**	9432
CHOW W Y	6682
CHOY H L	9606
CHU H K	5222
CHU S L	6423
CHUM K S	6977
CHUNG W K	9097
CHUNG Y M	6048
DENG W**	(86)1862
FANG S**	9532
FANG S**	9165
FOK L S	9287
FOK L Y	6481
FONG H L	5145
FONG K L	6791
FU C**	9341
FUNG G Y P**	9051
FUNG S H	6102
FUNG T Y	6390
FUNG W T	9215
GUO Y**	(86)1358
HAN J**	8495
HAU C F	9606
HE G**	9330
HE Z**	(86)1825
HO C Y	9020
HO K C	6702
HO S P	6189
HOU Z**	6855
HUANG L**	(86)1820
HUANG X**	(86)1862
HUI W C P**	9469
HUI W N I**	6028
HUNG K W	9565
HUNG K Y	9230
HUNG O K C**	9626
HUNG S Y	9277
HUNG Y T	6492
IP C W	6846
IP W C	6338
JESWANI V**	9877
KI Y F S**	6239
KONG Q**	(86)1895
KUN W N	6271
KUNG M K	9274
KWAN C Y	9877
KWOK K F	6431
KWOK K L	6859
KWOK K W	6462
KWOK P S	6538
KWOK W M	5164
KWOK Y H	6807
KWOK Y Y	9023
KWONG W M	9822
LAI C M R**	9431
LAI C S	6283
LAI Y T	9720
LAI Y W	9468
LAI Y Y	9477
LAM C M	9601
LAM C W	6922
LAM H C	9028
LAM K F	9380
LAM K H	9206
LAM K Y	9444
LAM L H	9620
LAM W H	6439
LAM W P E**	9400
LAN K**	9715
LAU H S	9010
LAU K F	9773
LAU K H	9218
LAU K W	6826
LAU K Y	9056
LAU K Y	9156
LAU M F	6837
LAU M T	9062
LAU M Y	9879
LAU M Y C**	9316
LAU S K	9283
LAU S S	9305
LAU T C	9507
LAU T H	9819
LAU Y M	9513
LAU Y Y	6233
LAW C K	6018
LAW S T	9475
LAW W K	9389
LAW Y K	6604
LEE C H	9209
LEE C H	6676
LEE C K J**	6838
LEE C L	5174
LEE C W	9355
LEE F L	9222
LEE H M	6349
LEE K T	6805
LEE K W T**	9501
LEE S C R**	9175
LEE S W	5377
LEE W S	9216
LEE W Y	9612
LEUNG C F	5109
LEUNG C L R**	6709
LEUNG C Y	9289
LEUNG K C	9218
LEUNG K K	9841
LEUNG K M	6621
LEUNG K W	6828
LEUNG K W	6355
LEUNG M K	9450
LEUNG P S	9733
LEUNG P W	9379
LEUNG P Y	9025
LEUNG T K	9775
LEUNG T L	6544
LEUNG W C	9873
LEUNG W K	6197
LEUNG W L	9101
LEUNG W S J**	9273
LEUNG Y L	6601
LI C**	(86)1372
LI J**	(86)1571
LI J**	(86)1365
LI K K	9201
LI K L W**	9551
LI Q**	9210
LI S**	(86)1581
LI T**	6748
LI T C	9600
LI W L	6415
LI Z**	(86)1832
LIAN J**	(86)1882
LIANG S**	(86)1536
LIANG T**	(86)1587
LIN H**	(86)1597
LIN J**	5536
LING C Y	5164
LIU K Y	9608
LIU L**	6219
LIU T**	6555
LIU W S	6132
LIU Z**	5395
LO N M	9166
LO S Y	9662
LO W M V**	9348
LO W S	6200
LOK W Y	9608
LUI S Y	9534
LUI W Y	9151
LUI Y C E**	9782
LUK W C	9665
LUK Y F	9864
LUNG M Y	9526
LYU X**	(86)1309
MA K M	9809
MA Y**	6358
MAK C L	6173
MAK K H	9654
MAK K W	6702
MAK P L	9613
MAK S C	6826
MAK Y Y	6819
MAN M K	9810
MAN W Y H**	9637
MAU P Y	9479
MOK W T	6226
NG C C	9260
NG C K	6149
NG M Y	9090
NG S C	9133
NG T W	6577
NG W M	6647
NG Y**	9018
NGAI L C	5286
NGAN C Y	9340
NGAN S P	9587
NI T**	(86)1768
NIEH S H	6210
NING C W	6698
PAN L**	5182
PAN Z**	(86)1505
POON L S	9033
POON W C	6686
POON Y C	9364
RIAD B**	5496
SHE X**	5311
SHEK O L	9400
SHI D**	9212
SHI Y**	(86)1595
SHIH K C	9491
SHING K T	9520
SIT C H M**	9656
SIU P Y	5189
SIU Y M	9123
SO C Y	9045
SO K N	9633
SO Y W	6280
SOO M T K**	9091
SU B**	(86)1382
SU S**	6762
SUN H**	9561
SUN H L	9211
SUN Y**	(86)1598
SZETO W F	9559
TAM S L	9127
TAM Y F A**	6899
TANG C L G**	9653
TANG H M	6977
TANG S**	(86)1867
TANG W S	9382
TING C W	6993
TO H**	9764
TO H N	6061
TONG T N	6771
TSANG K W	9035
TSANG M P	6502
TSANG W H	9633
TSANG W K	6731
TSAO W Y	6655
TSE C W	6482
TSE K S	6402
TSE M L	9417
TSE Y S	9776
TSOI K K	9605
TSUI F Y	6993
TSUI T Y J**	9553
UNG M H	6275
WAN W M	9136
WANG H**	5222
WANG Y**	6676
WANG Y**	5165
WANG Z**	(86)1952
WEI M**	6352
WEI X**	(86)1591
WEN Y**	6816
WONG H S	6716
WONG H Y	6396
WONG H Y	6102
WONG K**	6768
WONG K**	6677
WONG K C	5605
WONG K H	6618
WONG K H K**	9541
WONG K L	9624
WONG K W	9042
WONG K Y	9033
WONG M C	9868
WONG M H	9372
WONG M H A**	9483
WONG M K	9232
WONG M K M**	9475
WONG N S	9555
WONG N T	6878
WONG S L	9708
WONG S S	6232
WONG W C	9191
WONG W C	9625
WONG W H	9770
WONG W H Y**	5600
WONG W K	6374
WONG W T	6433
WONG Y C D**	6380
WONG Y H	5105
WONG Y K	6187
WONG Y M	9872
WONG Y W	6376
WONG Y Y	9813
WU H**	(86)1507
WU K M L**	9250
WU M**	5483
WU T**	6992
WU W Y	5526
WUN S L	6182
XIE H**	(86)1777
XIONG X**	(86)1857
YAN C H	9377
YAN H W	9835
YAN J**	6892
YAN K W	9049
YAN P C	9731
YAN W T	5668
YANG L**	6097
YANG Y**	(86)1390
YAU K M E**	9042
YEUNG T**	6548
YIM C M	9625
YIM K Y	6403
YIP K S	9080
YIP M K	9099
YIU C**	9341
YON C T	6436
YU K**	(86)1353
YU L N	9866
YU N C	9337
YU N Y K**	6882
YUAN T**	5172
YUEN L Y	9262
YUEN W K	6592
YUNG M H S**	6713
YUNG T T J**	6064
ZENG L**	6550
ZHAN H**	(86)1381
ZHANG H**	(86)1304
ZHANG S**	5111
ZHANG X**	9518
ZHANG Y**	(86)1774
ZHANG Z**	(86)1350
ZHAO R**	6389
ZHENG P**	6960
ZHENG W**	9207
ZHENG Y**	6806
ZHI Z**	5395
ZHOU C**	(86)1860
ZHOU J**	6915
ZHOU R**	5566
ZHU W**	5997
ZOU N N	5166

All winners will be notified individually by SMS.

Starting from 21 December 2025, Mobile and Internet Banking security will be upgraded to provide safer digital banking services.

1. Enhanced Login Authentication
If logging in with username and password, an additional authentication with Mobile Token / Security Device or SMS is required (High-risk transactions are not allowed with SMS authentication login); please use Biometric Authentication to login with ease if enabled.

2. New Cooling-Off Period Protection
In the occasion of (1) changing mobile phone, (2) retrieving username or resetting Internet Banking password, or (3) enabling/resetting Mobile Token, a 6-hour cooling-off period will be applied, high-risk transactions cannot be conducted in the duration.

Please review your registered mobile phone number and email with the Bank, and enable Biometric Authentication (if applicable), to enjoy smooth banking services after the upgrade.

"Global Remittance" provides international remittance services. You can remit HKD, CNY and other foreign currencies to local and overseas beneficiary accounts. For the remittance charges of “Global Remittance”, please refer to “Telegraphic Transfer” part of the “General Banking Service Charges”.

Thank you for using the services of Bank of China (Hong Kong) Limited and/or BOC Credit Card (International) Limited (each a “Company”).

Please be informed that the Company’s Data Policy Notice (“DPN”) has been amended and will be effective from 1 November 2025 (the “Effective Date”). Part A below sets out a summary of the key amendments to the DPN. In Part B, details of the amendments to different sections are provided for your ease of reference.

Part A: Summary of Key Amendments

Summary of amendments

Part B

Section No.

To specify the Company's application of big data analytics and artificial intelligence (BDAI)

1

To update the registered address of BOC Credit Card (International) Limited

2

Part B: Details of Key Amendments

Section

Amendments

1

Paragraph 4 shall be amended as follows:

From time to time, it is necessary for the data subjects to supply the Company with data (including through interfaces powered by artificial intelligence) in connection with the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of financial, insurance, credit card, securities, commodities, investment, banking and related services and products and facilities.

Paragraph 13 shall be added as follows:

The Company or its third party service providers may use big data analytics and artificial intelligence (BDAI) to process and analyse data relating to the data subjects to achieve the purposes listed in paragraph 7 above. The Company may also use BDAI to facilitate automated decision-making for enhancing customer services and experiences, strengthening risk management and compliance, offering personalized products and services, as well as improving operational efficiency.

2

Paragraph 19 shall be amended as follows:

The persons to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed are as follows:

BOC Credit Card (International) Limited

The Data Protection Officer

BOC Credit Card (International) Limited

8/F, BOC Credit Card Centre

68 Connaught Road West

Hong Kong
Facsimile: (852) 2541 5415

Please note that your continuous use of the Company’s services on or after the Effective Date constitutes your agreement and acceptance of the amendments on the DPN which shall be binding on you. The Company may not be able to continue to provide relevant applicable services to you if you do not accept the amendments on the DPN. The amended version of the DPN is now available on https://www.bochk.com/dam/document/retail/b/e20.pdf and will be available on (BOCHK Website / mobile banking app) on or after the Effective Date. You can also download the Notice from BOCHK website (www.bochk.com) (Home > “What’s new”) on or before 31 October 2025 and you may not be able to access or download it afterwards.

Corresponding amendments have been made to the Company’s Privacy Policy Statement (“PPS”) and will be effective from 1 November 2025, which also specify that the Company applies BDAI in a safe and responsible manner, and has implemented policies and procedures to assess the risks and limitations on the use of BDAI, so as to identify and address the risks and impacts on personal privacy associated with the use of these technologies. The amended version of the PPS will be available at our official website (www.bochk.com) (Home > “Important Notice and Privacy Policy Statement”) from the Effective Date.

Should there be any discrepancy between the English and Chinese versions of this Notice, the English version shall prevail.

For enquiries/responses about the Notice, please call our Customer Service Hotline:

Bank of China (Hong Kong) Limited: (852) 3669 3938

BOC Credit Card (International) Limited: (852) 2108 3288

HKEX announced on 21 July 2025 that phase 1 of the minimum spreads reduction in the Hong Kong securities market (Phase 1) will be launched on 4 August 2025 (Monday) (the “Effective Date”). The key adjustments are as follows¹:

1. For equities, Real Estate Investment Trusts, equity warrants and all other securities (excluding Exchange Traded Products, debt securities, Exchange Traded Options, Inline Warrants and Structured Products²), the minimum spreads of the stocks priced higher than $10 but lower than or equal to $20 will be reduced from $0.020 to $0.010, and stocks priced higher than $20 but lower than or equal to $50 will be reduced from $0.050 to $0.020.

2. The allowable price limit for all securities (except Exchange Traded Products) will be updated from “±24 spreads from the reference price” to “either ±24 spreads or 5% from the reference price, whichever is greater in percentage terms”. This update will apply across all the price bands during the Continuous Trading Session. It should also be noted that the scope and requirement of the “9-time rule” (i.e. order price should not deviate 9 times or more from the nominal price) will remain unchanged.

Before the Effective Date, if you have submitted a Good Till Date order with good till date on or after the Effective Date, and the order price does not fulfill the stock minimum spread after the abovementioned adjustments, please pay attention that this Good Till Date order will be rejected by HKEX or the Bank securities system after the minimum spreads reduction. Please submit the instruction to the Bank again if needed.

For details, please visit the “Reduction of Minimum Spreads” web corner on the HKEX website.

Should you have any enquiry, please contact Investment Service Hotline at (852) 3988 2688.

Should there be any inconsistency between the English and Chinese versions, the Chinese version shall prevail.

^{_{1. Applicable to all currency units (including but not limited to HKD and RMB).}}
^{_{2. Structured Products include Callable Bull/Bear Contracts and Derivative Warrants.}}

Please be informed that the Bank’s Instruction - Precious Metal/FX Margin (“The Instruction”) has been amended and will be effective from 25 July 2025 (“Effective Date”). Part A of the amendment details enclosed sets out a summary of the amendments. In Part B, details of the amendments are provided for your ease of reference.

By having a Precious Metal/FX Margin Trading Account with us or by using any of our Precious Metal/FX Margin Trading Account service we provide on or after the Effective Date, you acknowledge and agree that the amendments to “The Instruction” shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide related services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of “The Instruction” will be available at our official website (www.bochk.com) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Part A: Key Amendments
“Instruction - Precious Metal/FX Margin”

Summary of the amendments / Important Notes
Section	Point	Key Amendments
Trading	5. Handling Fees	Pursuant to the transformation from the Chinese Gold and Silver Exchange Society to Hong Kong Gold Exchange Limited, to amend the related description.
Margin Call Balance	5. Accrued Interest Receivable / Payable	To supplement the way to enquire about the latest credit/debit rates of relevant currencies.
Margin Transfer	4. Interest Calculation	To supplement the way to enquire about the latest credit/debit rates of relevant currencies.

Part B: Amendment Details
“Instruction - Precious Metal/FX Margin”

Section	Amendments
Trading	Amend Point 5 as follows: 5. Handling Fees • Handling fees are applicable to Tael Gold and Kilo Gold margin transactions. o Commission fee : HKD 25 per lot (To be calculated at the time when the contract is squared) o Custodian fee : HKD 3 per lot per night o Delivery Charge : HKD 50 per lot o Premium : Premium will be determined according to the Hong Kong Gold Exchange Limited each day, and is quoted per 100 taels (Tael Gold) and per 1,000 grams (Kilo Gold) • At the end of each year, all outstanding margin contracts for Tael Gold and Kilo Gold will be marked to market at the settlement price of the Hong Kong Gold Exchange Limited. Any gain/loss, premium and custodian fee will be credited to or debited from your margin trading account.
Margin Call Balance	Amend Point 5 as follows: 5. Accrued Interest Receivable / Payable • Daily interest will be calculated according to the margin deposit balance of the Precious Metal/FX Margin Trading Account as at 00:00 and the credit/debit interest rates of relevant currencies. For the latest credit/debit interest rates of relevant currencies, you may call our Manned Trading Hotline for enquiry. However, in respect of: (i) credit/debit amounts in various currencies arising from outstanding FX margin contracts; and (ii) the gain/loss after outstanding margin contracts for Tael Gold and Kilo Gold have been marked to market at the relevant day’s afternoon settlement price and the unpaid premium accrued thereon, the interest will accrue from the value date specified in the daily transaction statement at the credit/debit interest rate of the day for the relevant currency quoted by the Bank, and will be calculated separately and independently from the interest on the credit/debit amounts in various currencies accrued on the contracts for London Gold and London Silver in the margin trading account.
Margin Transfer	Amend Point 4 as follows: 4. Interest Calculation Daily interest will be calculated based on the margin deposit balance of the Precious Metal/FX Margin Trading Account as at 00:00 and the credit/debit interest rates of the relevant currencies. For the latest credit/debit interest rates of relevant currencies, you may call our Manned Trading Hotline for enquiry. Please refer to the following example for reference:

To further protect the elderly from scams, Hong Kong Monetary Authority (HKMA) and The Hong Kong Association of Banks jointly launched the “Smart Seniors Anti-Scam Ambassador Programme”. The first two promotional videos (Impersonate law enforcement officers and Deepfake related) were launched with the “Three Anti-Scam Tactics” – Keep Calm, Give Nothing, Verify and Seek Help. For more details, please refer to the following.

Hong Kong Monetary Authority’s Press Release:
https://www.hkma.gov.hk/eng/news-and-media/press-releases/2025/06/20250623-3/

Hong Kong Monetary Authority YouTube Channel：
https://www.youtube.com/playlist?list=PLSPxT7NJ5Rrh9gB1W9FUCMM8FOxS43rh4

Starting from 13 Jul 2025, the US stocks service will extend the trading hours. In addition to the regular trading hours, pre-market and after-hours trading sessions will also be available, allowing customers to trade US stocks during more time periods.

“US Stocks Extended Hours Trading" Service details are as follows:

	Trading Hours
Pre-market session (New)	Hong Kong time from 16:00-21:30 (Daylight Saving Time in the United States)/ 17:00-22:30 (Winter Time in the United States)
Regular trading hours	Hong Kong time from 21:30-04:00 (Daylight Saving Time in the United States)/ 22:30-05:00 (Winter Time in the United States).
After-hours session (New)	Hong Kong time from 04:00-08:00 (Daylight Saving Time in the United States)/ 05:00-09:00 (Winter Time in the United States). In case of half trading days, Hong Kong time from 01:00-05:00 (Daylight Saving Time in the United States)/ Hong Kong time from 02:00-06:00 (Winter Time in the United States),

Please note that regarding "Important Notes for Trading US Shares", "US Stocks Extended Hours Trading Risk Disclosure" will be newly added. For details, please refer to the risk disclosure below or visit BOCHK website (www.bochk.com) (Home > More > Terms and Conditions for Services/Products > Investment > Important Notes for Trading US Shares (Appendix III: US Stocks Extended Hours Trading Risk Disclosure)).

Appendix III
US Stocks Extended Hours Trading Risk Disclosure
Customers can perform US Stock trading in sessions other than regular trading hours (“Extended Hours Trading”). The objective of this Risk Disclosure is to provide basic information and associated risks of Extended Hours Trading. The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you perform Extended Hours Trading. You should carefully consider whether Extended Hours Trading is suitable in light of your own financial situation, investment experience and investment objectives. Please consider seeking independent financial and professional advice before you perform Extended Hours Trading. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in Extended Hours Trading.

1. About Extended Hours Trading
1.1 Extended Hours Trading Sessions and Trade Date
Extended Hours Trading means trading US stocks outside the regular trading hours, including:
- Pre-market session: Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 16:00-21:30 (Daylight Saving Time in the United States)/ 17:00-22:30 (Winter Time in the United States)
- After-hours session: Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 04:00-08:00 (Daylight Saving Time in the United States)/ 05:00-09:00 (Winter Time in the United States). Hong Kong time from 01:00-05:00 (Daylight Saving Time in the United States)/ Hong Kong time from 02:00-06:00 (Winter Time in the United States), in case of half trading days.

(Collectively, “the Extended Hours”)
The Bank reserves the right, at any time and without notice and while processing customer orders, to amend or suspend Extended Hours Trading. The previous pre-market session of the regular trading hours and the following after-hours session will be regarded as the same trade date.

1.2 Stocks available for Extended Hours Trading Most of the exchange-listed stocks are available for trading during the Extended Hours, but not all stocks are available for trading during the Extended Hours, including stocks not applicable for trading in regular hours with the Bank, and those with upcoming corporate actions or affected by other reason(s) that may not be available for trading during the Extended Hours. The Bank will not inform customers if any stock is not available for Extended Hours Trading for any reasons

1.3 Order Type
An order submitted during Extended Hours Trading can only be a Limit Order. Customers need to input price to ensure a buy order will not be executed at a price higher than the input price, while a sell order will not be executed at a price lower than the input price. If the market price deviates from the input price, the order will not be executed, unlike an order submitted during regular hours trading which can be a Market Order or a Limit Order.

1.4 Trading Hours Options and the Instruction Handling
Customers have two trading sessions to choose from when trading US stocks:
(1) Regular and Extended Hours (Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 16:00- 08:00 (The next date) (Daylight Saving Time in the United States)/ 17:00-09:00 (The next date) (Winter Time in the United States) for trade dates):

If the day order is not executed/partially executed during pre-market session, the order will be transferred to the next regular hours session, and the next after-hours session, until the order is fully executed or cancelled after the end of the after-hours session on that trade date.

If the good-till-date order is not executed/partially executed during pre-market session, the order will be transferred to the next regular hours session, and the next after-hours session, until the order is fully executed or cancelled after the end of the after-hours session of the last valid trade date of the good-till-date order.

(2) Regular Hours Only (Hong Kong time every Monday to Friday (except U.S. holiday or non-trade date) from 21:30-04:00(The next date) (Daylight Saving Time in the United States)/ 22:30-05:00 (The next date) (Winter Time in the United States) for trade dates):

The day order will only be submitted to the market during regular hours. If the order is not executed or partially executed, the day order will be cancelled after the end of regular hours session.

The good-till-date order will only be submitted to the market during regular hours. If the order is not executed or partially executed, the day order will be cancelled after the end of regular hours session of the last valid trade date of the good-till-date order.

1.5 Fees
The Fees of US Securities Trading Service (with reference to the “General Banking Services Charges” of the Bank) are applicable to Extended Hours Trading. The Bank reserves the right to revise the Fees from time to time.

2. US Stocks Extended Hours Trading Risk
Compared with regular hours trading, there are potential risks associated with Extended Hours Trading as follows:
2.1 Risk of Lower Liquidity
Liquidity refers to the ability of market participants to buy and sell securities. Generally, the more buy and sell orders of a security in a market, the greater the liquidity of that security, as a result more likely to buy or sell that security at a more competitive price. There may be lower liquidity in Extended Hours Trading as compared to regular trading hours. As a result, your order may only be partially executed, or not at all.

2.2. Risk of Higher Volatility
Volatility refers to the changes in price that securities undergo when trading. Generally, the higher the volatility of a security, the greater its price swings. There may be greater volatility in Extended Hours Trading than in regular trading hours. As a result, your order may only be partially executed, or not at all, or you may receive an inferior price when engaging in Extended Hours Trading than you would during regular trading hours.

2.3. Risk of Changing Prices
The prices of securities traded in Extended Hours Trading may not reflect the prices either at the end of regular trading hours, or upon the opening of the regular trading hours. As a result, you may receive an inferior price when engaging in extended hours trading than you would during regular trading hours.

2.4. Risk of Unlinked Markets
During the Extended Hours Trading, the prices displayed on a particular venue may not reflect the prices in other concurrently operating venues for dealing in the same securities. Accordingly, you may receive an inferior price in one venue than you would in another venue.

2.5. Risk of News Announcements
Normally, listed companies make news announcements that may affect the price of their securities after regular trading hours. Similarly, important financial information is frequently announced outside of regular trading hours. In Extended Hours Trading, these announcements may occur during trading, and if combined with lower liquidity and higher volatility, may cause an exaggerated and unsustainable effect on the price of a security.

2.6. Risk of Wider Bid-Ask Spreads
The bid ask spreads refers to the difference in price between what you can buy a security for and what you can sell it for. Lower liquidity and higher volatility in Extended Hours Trading may result in wider Bid-Ask Spreads than that in regular hours trading for a particular security.

2.7. Risk of Limit the Price to Trade
An order submitted during Extended Hours Trading can only be a Limit Order. Customers need to input price to ensure a buy order will not be executed at a price higher than the input price, while a sell order will not be executed at a price lower than the input price. If the market price deviates from the input price, the order will not be executed, unlike an order submitted during regular hours trading which can be a Market Order or a Limit Order. This may cause to limit the flexibility of trading strategies.

2.8 Risk of Competing with Professional Investors or Institutions
Many Professional Investors or Institutions participate in Extended Hours Trading, these investors or institutions often obtain more information or obtain faster information than normal investors. Customers may be at a disadvantage to trade during Extended Hours Trading.

(1) Anti-Scam Notes for Electronic Fixed Penalty Tickets

Beware of Phishing SMSs
The Police are implementing the electronic traffic fixed penalty tickets (FPTs) scheme, in which FPTs will be sent via SMS or email, in mid-June. The Police will then introduce a new thematic portal and mobile application, allowing vehicle owners and drivers to verify and review their electronic FPTs, and pay penalties online via electronic means (such as credit card and Faster Payment System).

Please pay attention to the anti-scam notes below to safeguard yourselves from phishing SMSs:
(1) SMS Sender Registration Scheme – “#”
• The Police have participated in the “SMS Sender Registration Scheme” launched by the Office of the Communications Authority. The Sender ID for SMSs used to issue tickets in the future will have the prefix “#”
• The Registered SMS Sender ID is “#HKPF-eTT”.
(2) No hyperlinks embedded
• There will be no hyperlinks embedded in FPTs sent via SMS or email.
(3) URL domain – “.gov.hk”
• The URL domain of the Police’s eTraffic Ticket Platform (www.etrafficticket.gov.hk) is .gov.hk, the same as those of other government departments.
• E.g. the official website of the Hong Kong Police Force (HKPF) is www.police.gov.hk; and that of the Transport Department is www.td.gov.hk.
Notes:
• Do not hastily click on hyperlinks embedded in any emails or SMSs.
• Do not disclose your personal information or account details to anyone before verifying their identities.
• If in doubt, please call the “Anti-Scam Helpline 18222” to contact the Anti-Deception Coordination Centre of the HKPF.

(2) Fraudulent SMSs Purportedly from Treasury Demand Penalty Payments
Defrauding Tricks
Scammers, posing as the Treasury, sent phishing SMSs to members of the public and asked recipients to click on an attached hyperlink to pay a fixed penalty. The Treasury emphasised that it had no connection with such SMSs and reminded the public that it would not ask them to settle payments by sending them SMSs with embedded hyperlinks.

Police Advice
• Do not log on to any websites or download any attachments by hastily clicking on hyperlinks embedded in suspicious SMSs, emails or web pages;
• Do not input your personal information, credit card details, 3-digit security codes (CVC/CVV) and one-time passwords into unknown applications or websites;
• Enter suspicious URLs on “Scameter” of CyberDefender or “Scameter+”, the mobile application of “Scameter”, for security check in addition to seeking verification from relevant organisations;
• Remind your relatives and friends to stay vigilant against deception;
• If in doubt, please call the “Anti-Scam Helpline 18222” for enquiries.

BOCHK Cyber Security Information
• Ensure the website is genuine and reliable before inputting any information or conducting transaction.
• Verify the details of transaction request carefully, in order to confirm these are actually referring to the intended transaction.
• To safeguard your online banking security, you should access Internet Banking through the Bank’s official website. Please do not log in Internet Banking through hyperlinks in any email, SMS, QR code, search engine, social networking platform or any third-party website or mobile application not authorised by the Bank.

The “Multi-counter Eligible Securities” are listed on The Stock Exchange of Hong Kong (“SEHK”) in different currencies (e.g. HKD, RMB and USD) with separate securities code for quoting and trading. For a “Multi-counter Eligible Security”, the securities code for HKD counter will be a 5-digit number starting with a “0”, while a 5-digit number starting with an “8” would be assigned for the RMB counter. The last four digits of the securities codes for HKD counter and RMB counter will normally be the same.

The Hong Kong Securities Clearing Company Limited (“HKSCC”) which is operated by the HKEX Group, is going to enhance the settlement arrangement for “Multi-counter Eligible Securities” on 30 June 2025 (the “Effective Date”) to show the shareholdings under the “Domain Settlement Counter” after order execution.

Below are the key arrangements:
1. Multiple trading currency counters (e.g. HKD counter, RMB counter, etc.) will still be available on the trading front per security, and be traded under separate securities codes. For example, BOC Hong Kong is listed and traded on SEHK as “02388” for HKD counter and “82388” for RMB counter. Customers can conduct transactions in HKD and RMB with the securities code of “02388” and “82388” respectively.

2. The changes in holdings of a “Multi-counter Eligible Security” will only be shown under the “Domain Settlement Counter”, where HKD counter would be the “Domain Settlement Counter” under normal circumstances. For example, when customer purchased shares of “82388” with RMB, holdings of “02388” will be shown in Mobile/Internet Banking and monthly statement, etc after the order execution to reflect the change in shareholdings.

If there is no HKD counter for a “Multi-counter Eligible Security”, the “Domain Settlement Counter” will be the other currency counter designated by the HKSCC.

3. No change of shareholders’ rights and entitlements.

4. Customer will no longer be required to perform an inter-counter transfer before inter-counter trading. For example: if a customer holds shares of “02388” and wants to receive RMB proceeds after selling the shares, he/she can directly sell the shares with the securities code of “82388”.

5. HKSCC will carry out the conversion of shareholdings in “Multi-counter Eligible Securities” from other currency counters to “Domain Settlement Counters” on 28 June 2025 (the “Conversion Date”).

For above details and arrangements related to Securities Margin Service / Wealth Portfolio Financing Overdraft Facility Service, please visit BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Enhancement of Settlement Arrangement for “Multi-counter Eligible Securities” by HKSCC.")

(1) Beware of Scammers Claiming that You Have Applied for SIM Card with Mainland (HK & Macau Service Plan)
Defrauding Tricks
Scam process:
1. Fraudulent calls: Posing as staff of Mobile Network Operators, scammers call and tell you that a new SIM card has been activated with a contract period of one to two years, and that monthly fees will be charged.
2. Guiding the conversation: If you tell them that you did not apply for such service or you want to cancel it, the scammers will pretend to help you cancel the service and direct the call to a bogus bank employee.
3. Request for transfers: The bogus bank employee will ask for your bank details or instruct you to make transfers with automated teller machines. The scammers can no longer be reached once they have received the money.

Police Advice
· Stay alert if you receive phone calls purportedly made by telecommunications services providers claiming that you have applied for services. Do not hastily believe the callers’ identities;
· If in doubt, call the Customer Care Hotline for verification;
· Do not disclose personal information, including identity card numbers and bank account details;
· Even if strangers who send you messages are able to tell your personal information, it does not necessarily mean that they are genuine law enforcement officers. Scammers can obtain the personal information of the public by unlawful means;
· If you suspect that you have fallen prey to a scam, please call the “Anti-Scam Helpline 18222” for enquiries.

(2) Many Lost Millions of Dollars after Joining Fraudulent WhatsApp Groups
Defrauding Tricks
Alert! In a number of recent investment fraud cases, the victims were added into WhatsApp groups named “K研亞洲林sir內部群組” or “K研亞洲實驗室” and lost millions of Hong Kong dollars.

Posing as investment experts, the scammers randomly invited people to join investment classroom groups on WhatsApp, claiming that money-making tips would be shared in the groups. The victims were then induced to download fraudulent trading platform applications to conduct transactions.

In the scams, the scammers would fabricate profit-making transaction records of the fraudulent trading platforms and lure the victims to invest more money. When the victims wanted to withdraw the funds, the customer service staff would delay the payment with various pretexts and even ask them to pay hefty handling fees. In the end, the victims failed to get back their money.

Scam groups:

Fraudulent platforms:

1. K研亞洲林sir內部群組

2. K研亞洲實驗室

1. CLEXP

2. CLEXP-II

3. CLExp

Police Advice
· Stay alert and do not rashly believe the so-called “investment experts” you meet online;
· Do not hastily click on hyperlinks, download mobile applications, log on to any suspicious websites or download any attachments;
· The bank accounts provided by scammers usually belong to individuals or third-party agencies, with names different from the trading platforms’;
· You are advised to make investment through registered investment institutions. You may check out the public register of licensed persons and registered institutions on the web page of the Securities and Futures Commission;
· You may enter suspicious phone numbers, web addresses or transferees’ account numbers on “Scameter” of CyberDefender or “Scameter+”, the mobile application of “Scameter”, for security check in addition to seeking verification from relevant organisations;
· If in doubt, please call the “Anti-Scam Helpline 18222” for enquiries.

Want to know more? Watch the videos below now
[I’ve earned enough, it’s time to let others earn some.]
https://youtube.com/shorts/zBDs9eUbX3o?si=mUyuwSXf11RYwHeP

Highlighted version [“Escape from Scams” Episode 2: Don’t join investment groups hastily! Even a kid knows that!]
https://youtu.be/ACv1Y7iLnA0?si=ZdNL6zTLfe-BqRor

Investment Fraud - Unwise Speculation
https://youtu.be/44llWVUYeuk?si=YGBm2VG-Ek5GuesY

BOCHK would like to remind customers to stay vigilant to phone scammers impersonating Mainland law enforcement officers to protect their own interests.

Fraud prevention tips:
• Mainland law enforcement officers never call you when you are in Hong Kong;
• Even if anyone claiming to be Mainland law enforcement officers are able to tell your personal information, it does not necessarily mean that they are genuine law enforcement officers;
• Law enforcement officers never ask for money to prove your innocence;
• Please carefully protect your personal information. Do not disclose your personal information and passwords, including e-banking account information, credit card details or SMS one-time password;
• Stay alert when anyone claims themselves as Mainland law enforcement officers, if they have the following requests, you should hang up the calls immediately:

- Demand cooperation in confidential case investigation
- Instruct you to open new bank accounts to prove your innocence
- Request your personal / banking information via fake apps / websites
- Ask you to transfer money to specific accounts

Bank of China (Hong Kong) (“BOCHK”) would like to remind customers and the general public to stay vigilant against phishing SMS messages.

BOCHK reiterates that we will NOT ask for sensitive personal information such as bank account details, Internet Banking usernames, bank card numbers, login passwords, one-time passwords or mobile tokens, through phone calls, phone call recordings, emails, SMS messages, hyperlinks, QR codes, attachments, etc.

The Bank reminds customers to be vigilant against possible scams:
• Please carefully protect your personal information and electronic banking credentials (including Internet Banking usernames, bank card numbers, login passwords, one-time passwords and mobile tokens), do not disclose your personal information, electronic banking credentials and passwords, including the SMS one-time password and mobile token.
• When logging in or conducting transactions through electronic channels, customers are advised to access their Internet Banking or Mobile Banking accounts by typing the website address of BOCHK (www.bochk.com) directly into the browser address bar, or through the BOCHK Mobile Banking Application downloaded from official App stores or the Bank’s official website.
• Do not open email, SMS messages, attachments or click on the hyperlink from unknown sources. In case of doubt, please stop the operation and do not input any data. Please close the window and contact the Bank immediately and provide the suspicious hyperlink or screenshot (if any).
• If customers have provided personal information to suspected fraudulent websites, please immediately contact the Bank’s Customer Service Hotline at (852) 3988 2388 (press 3, # and 2 after language selection), and contact the Police.
• Review transactions record frequently through internet banking, mobile banking or statements to check if there is any suspicious or unauthorized transaction.

BOCHK will update the fraud alerts on the Bank’s website from time to time. For details, please visit www.bochk.com/en/aboutus/fraudalert.html. For more security information about our electronic banking services, please visit www.bochk.com/en/security.html.

BOCHK would like to remind customers to stay vigilant to scammers impersonating officers of the Anti-Deception Coordination Centre (ADCC) of the Hong Kong Police Force to protect their own interests.

Please refer to the following website for Police anti-deception information:-

https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1852255053832015874.html

Bank of China (Hong Kong) (“BOCHK”) would like to remind customers that Suspicious Account Alert mechanism was expanded to include transfers conducted at BOCHK’s Automated Teller Machines (ATMs), including real-time transfers as well as cash deposits. When high-risk transactions are detected, the system issues alerts reminding customers to cancel them.

If in doubt, please call the Bank’s Customer Service Hotline at (852) 3988 2388 (press 3, # and 2 after language selection) or the Police Anti-Scam Helpline at 18222 for assistance.

For more details, please refer to relevant webpage of Police:

https://cyberdefender.hk/en-us/suspicious-proxy-alert/

Bank of China (Hong Kong) (“BOCHK”) would like to alert customers and the general public to phishing messages and fraudulent websites which are intended to steal personal information and electronic banking credentials.

Fraudsters recently purported to be genuine buyers in Online Trading Platform and sent out phishing emails messages embedded with fraudulent website hyperlinks or QR codes which purported to be from Online Trading Platforms / Courier Services for deliveries verification, deals closure or payments collection. These phishing emails messages made different false claims such as falsely claiming that courier services required customers’ information for verifying the deliveries, or the platforms required customers to log into electronic banking account for closing the deals and collecting the payments, etc., and lured customers to click on the embedded hyperlinks or scan the QR codes in the messages and enter personal and electronic Banking credentials (including Internet Banking usernames, bank card numbers, login passwords, one-time passwords or mobile tokens) in the fraudulent websites.

The hyperlinks of these fake emails / QR codes and fraudulent websites will appear under different domain names or with slight variations from the official website addresses by adding a similar combination of letters, numbers or symbols, with intent to mislead and steal customers’ personal and for swindling customers out of money.

BOCHK reiterates that we would not ask for sensitive personal information such as bank account details, Internet Banking usernames, bank card numbers, login passwords, one-time passwords or mobile tokens, through phone calls, phone call recordings, emails, SMS messages, hyperlinks, QR codes, attachments, etc.

The Bank reminds customers to be vigilant against possible scams:
• Please carefully protect your personal information and electronic banking credentials (including Internet Banking usernames, bank card numbers, login passwords, one-time passwords and mobile tokens), do not disclose your personal information, electronic banking credentials and passwords, including the SMS one-time password and mobile token.
• When logging in or conducting transactions through electronic channels, customers are advised to access their Internet Banking or Mobile Banking accounts by typing the website address of BOCHK (www.bochk.com) directly into the browser address bar, or through the BOCHK Mobile Banking Application downloaded from official App stores or the Bank’s official website.
• Do not open email, SMS messages, attachments or click on the hyperlink from unknown sources. In case of doubt, please stop the operation and do not input any data. Please close the window and contact the Bank immediately and provide the suspicious hyperlink or screenshot (if any).
• If customers have provided personal information to suspected fraudulent websites, please immediately contact the Bank’s Customer Service Hotline at (852) 3988 2388 (press 3, # and 2 after language selection), and contact the Police.
• Review transactions record frequently through internet banking, mobile banking or statements to check if there is any suspicious or unauthorized transaction.
• Starting from 28 January 2024, BOCHK will use“Registered SMS Sender IDs”: #BOCHK、#BOCHK_TXN or #BOCHK_CC to send SMS messages regarding login/transaction to customers’ registered mobile phone number.
• If unusual login/transaction is detected on customer’s electronic banking account, BOCHK will send customer a two-way alert SMS (through any of the following phone numbers: +852 622649931110 or +852 645063570006) to customer’s registered mobile phone number. Please carefully verify the details in the SMS, such as transaction time, currency and amount before replying to that SMS.
• If customer have logged in/made the transaction, please reply with “1” after verifying that the SMS content is correct. If customer have not logged in / made the transaction, or the SMS content is incorrect, please reply with “9”. BOCHK will follow up per the response, including immediate suspension of the electronic banking transfer function after receiving the reply of “9”. If customer receive that SMS overseas, please contact BOCHK immediately and do not reply that SMS.

BOCHK will update the fraud alerts on the Bank’s website from time to time. For details, please visit www.bochk.com/en/aboutus/fraudalert.html. For more security information about our electronic banking services, please visit www.bochk.com/en/security.html.

Thank you for your continuous support! In our ongoing commitment to enhance service excellence, we are constantly refining our service standards. We hereby inform you that the concierge service currently provided by Ten Lifestyle Group will be available until November 30, 2024.

We understand that your needs may change over time. We are dedicated to bringing you exciting and stylish lifestyle privileges in the near future. Stay tuned for what’s next!

If you have any queries, please call our exclusive 24-hour Private Wealth Service Hotline at +852 3988 2188 or contact your relationship manager.

_{^{Notes: The above services are subject to the terms and conditions. The privileged offers, services and products provided to you by any third-party service provider (including the Concierge Service Provider) are provided directly to you by the relevant third-party service provider. The Bank is not responsible for the quality of any privileged offer, service and product provided by any third-party service provider or for its failure or delay in providing the designated privileged offers, services or products. You are required to make and resolve any complaint or dispute in relation to the privileged offers, services or products directly with the third-party service provider providing them.}}

_{^{In the event of any discrepancies between the Chinese and the English version of this notice, the Chinese version shall prevail.}}

Please be informed that the Bank’s “Conditions for Services” have been revised and will be effective from 1 December 2024 (“Effective Date”). Part A of the amendment details enclosed sets out a summary of the amendments to “Part 2: Banking Services” of the CFS. In Part B, details of the amendments are provided for your ease of reference.

By having any account with us or by using any of our service or functionalities we provide on or after the Effective Date, you acknowledge and agree that the amendments to the CFS shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of the CFS will be available at our official website (www.bochk.com) (Home > “Conditions for Services”) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Note: Customers can also download this customer notice from BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Amendments to Conditions for Services”) on or before 31 December 2024 and customers may not be able to access or download such customer notice afterwards.

Part A: Key Amendments
“Conditions for Services” Part 2: Banking Services

Summary of the new Conditions
Part	Important Notes
14. Terms and Conditions regarding Giving Instructions by Phone and/or other digital Channels	To specify that giving instructions by phone and/or other digital channels, customers confirm that they have accepted and will be bound by these provisions.

Part B: Amendment Details
“Conditions for Services” Part 2: Banking Services
Introduce new Condition 14 as follows:
14.    Terms and Conditions regarding Giving Instructions by Phone and/or other digital Channels
14.1.   The type of same name account transfer of same currency, foreign exchange, time deposit, loans, credit card, investment and insurance instructions that can be provided to the Bank by telephone and/or other digital Channels (if applicable) shall be subject to such restrictions, conditions or confirmation procedures as may be imposed by the Bank from time to time for same name account transfer of same currency, foreign exchange, time deposit, loans, credit card, different investment and insurance products.
14.2.   The Bank may, and the customer(s) hereby authorize(s) the Bank to record these telephone and/or other digital Channels communications by writing and/or tape recording and/or any other means, and the Bank may deem such recordings as conclusive and binding evidence of the same as against the customer(s). The Bank shall be entitled to keep such recordings for as long as it considers necessary.
14.3.   All instructions given or purportedly given by the customer(s) and/or any other person(s) authorized (if applicable) to operate his/their account(s) on his/their behalf with respect to same name account transfer of same currency, foreign exchange, time deposit, loans, credit card, investment and insurance transactions by telephone and/or other digital Channels are binding on the customer(s).
14.4.   Where there are more than one account holder(s)/ authorized signatory(ies) (if applicable) signing jointly, the Bank may, in its discretion, accept and act on telephone and/or other digital Channels instructions given by any one of such account holder(s) singly or any one of such authorized signatory(ies) (if applicable) singly, and are binding on all other customer(s) in all respects notwithstanding the signing arrangement specified by the customer(s) to the Bank.
14.5.   The Bank has authentication measures in place to authenticate instructions given or purportedly given by the customer(s) or on his/their behalf (if applicable) by telephone and/or other digital Channels or to verify the identity of any person giving such instructions. Nevertheless, the Bank shall not be responsible for any losses, damages, costs or expenses which the customer(s) may suffer or incur as a result as the Bank shall be entitled to rely and act on such instructions which the Bank in good faith and after adopting the authentication measures believes to be genuine. The customer(s)understand(s) and fully accept(s) the risks in giving instructions by telephone and/or other digital Channels including the risk of any instruction being unauthorized or given by an unauthorized person.
14.6.   The Bank may, in its discretion, refuse to act upon any instructions given or purportedly given by the customer(s) or on his/their behalf (if applicable) by telephone and/or other digital Channels without any reason and without being responsible for any loss or damage suffered by the customer(s) thereby arising and may require his/their confirmation before acting on such instructions.
14.7.   Unless caused by the negligence or wilful misconduct of the Bank, the Bank shall not be liable for any losses, damages, costs or expenses that the customer(s) may suffer or incur resulting from the exercise of such discretion by the Bank by reason of any cause beyond the Bank’s control, including (without limitation) any breakdown or failure of transmission or recording facilities or whatsoever reason, or breakdown of or delay or error in transmission for any other reason.
14.8.   The customer(s) shall keep the Bank indemnified on demand against all actions, proceedings, claims, losses, damages, costs and expenses reasonably incurred by the Bank which may be brought against the Bank or suffered or incurred by the Bank arising directly or indirectly in connection with its accepting and/or relying on or acting on any instructions given by the customer(s) or on his/their behalf by telephone and/or other digital Channels, unless due to the negligence or wilful default of the Bank.

BOCHK would like to remind customers to stay vigilant to protect their own interests.

Through telemarketing or social media platforms, criminal syndicates would offer the benefit of making quick money and lure customers into selling or lending their bank accounts, or use customers’ personal credentials to open bank accounts. The syndicate will then use these ‘stooge accounts’ to collect and launder fraudulent payments or other crime proceeds.

BOCHK urges customers not to sell or lend their accounts to others as these may be abused for unlawful purposes and customers may expose themselves to the risk of committing money laundering offences of which the maximum penalty is imprisonment for 14 years and a fine of HK$5 million.

Please refer to relevant webpage of the Hong Kong Monetary Authority for more details:
https://www.hkma.gov.hk/eng/smart-consumers/dont-lend-sell-your-account/

To fight against the telecommunication and online frauds, the Police has rolled out the upgraded version “Scameter+” mobile application to help the public identify frauds and online pitfalls. The upgraded “Scameter+” mobile application features the following three new functions:

1) Call Alert
2) Website Detection
3) Public Intelligence

When the public encounters suspicious calls, online sellers, friend requests, job advertisements, investment websites, and the like, they can enter the platform account name or number, payment account, phone number, email address, URL, etc. to assess the risk of fraud and cyber security.

Please refer to the following website hyperlinks for the upgraded “Scameter+” information:
https://cyberdefender.hk/en-us/scameter/

BOCHK would like to remind customers to stay vigilant to telephone deception and investment fraud to protect their own interests.

Please refer to the following website for Police anti-deception information:-
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1737386285726003201.html
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1778727751727292417.html
https://cyberdefender.hk/en-us/investment_fraud/

Please be informed that the Bank’s “Conditions for Services” have been revised and will be effective from 30 June 2024 (“Effective Date”). Part A of the amendment details enclosed sets out a summary of the amendments to “Part 1: General Provisions” of the CFS. In Part B, details of the amendments are provided for your ease of reference.

By having any account with us or by using any of our service or functionalities we provide on or after the Effective Date, you acknowledge and agree that the amendments to the CFS shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of the CFS will be available at our official website (www.bochk.com) (Home > “Conditions for Services”) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Note: Customers can also download this customer notice from BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Amendments to Conditions for Services”) on or before 30 August 2024 and customers may not be able to access or download such customer notice afterwards.

Part A: Key Amendments

“Conditions for Services” Part 1: General Provisions

Summary of the new Conditions
Part	Condition	Important Notes
25. Alerts and Fund Transfers	25.1 (a)	To specify that by making any Fund Transfer on or after the date on which these provisions come in effect, customers confirm that they have accepted and will be bound by these provisions.
	25.1 (b)	To define the terms “Alert”, “Anti-fraud Database”, “Hong Kong” and “Fund Transfer” in the provisions under Condition 25.
	25.2	To specify that the reason for sending Alerts is to help customers stay vigilant against frauds, scams and deceptions when making Fund Transfers.
	25.3 (a)	To specify that the Bank does not control the Anti-fraud Databases and compile the Alerts solely based on the information available from the Anti-fraud Databases from time to time. The Bank does not warrant whether the Fund Transfers are fraudulent.
	25.3 (b)	To specify that the Bank may compile and deliver the Alerts in such ways as it considers appropriate.
	25.3 (c)	To specify that the Bank is not liable for loss of any kind which customer may incur or suffer arising from any information available or omitted from any Anti-fraud Database, or any delay, unavailability, disruption, failure, error of or caused by any Anti-fraud Database, or arising from any circumstances beyond our reasonable control.
	25.3 (d)	To specify that the Bank is not liable for loss, damage or expense of any kind which customer or any other person may incur or suffer arising from or in connection with the Alerts or Fund Transfers affected by the Alerts, except to the extent that any loss incurred or suffered is direct and reasonably foreseeable, and arising directly and solely from our gross negligence or wilful default or that of our officers, employees or agents.
	25.3 (e)	To specify that in no event will the Bank be liable to customers or any other person for any loss of profit or any special, indirect, incidental, consequential or punitive loss or damages.
	25.3 (f)	To specify that nothing in these provisions is intended to exclude or restrict any right or liability to the extent of which it may not be lawfully excluded or restricted.
	25.4	To specify that customers are responsible for taking reasonably practicable steps to safeguard customers’ own interests, money and assets from fraud or other illegal activities. Customers should consider carefully whether to proceed with or cancel a Fund Transfer affected by an Alert.

Part B: Amendment Details
“Conditions for Services” Part 1: General Provisions
Introduce new Condition 25 as follows:
25.              Alerts and Fund Transfers
25.1          (a) The provisions under this Condition 25 apply to the Alerts and the Fund Transfers as defined below. If there is any inconsistency between these provisions and our Conditions of Services, these provisions will prevail insofar as the Alerts and Fund Transfers are concerned. By making any Fund Transfer on or after the date on which these provisions come in effect, you confirm that you have accepted and will be bound by these provisions.
(b) In these provisions, the following terms have the following meanings:
“Alert” means a warning message that a Fund Transfer or the relevant payee or payee account may involve fraud or scam.
“Anti-fraud Database” includes any anti-fraud search engine and/or anti-deception database (including but not limited to Scameter) operated or managed by the Hong Kong Police Force or any other law enforcement agency or governmental body or regulatory authority of Hong Kong, whether it is accessible by the public in general or by designated entities or organisations.
“Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China.
“Fund Transfer” means a transfer of fund by you through us via any channel or means or in any currency determined by us from time to time including but not limited to one or more of electronic banking, e-wallet, mobile banking, automatic teller machine, cash deposit machine, and bank counter at any of our branches ], whether the payee account is maintained with us or not; and if the context requires or permits, includes an instruction given by you to us to make a Fund Transfer.
25.2          Reason for sending Alerts
The Alerts are intended to help you stay vigilant against frauds, scams and deceptions when making Fund Transfers. You shall not take the Alerts as replacing your responsibility for safeguarding your own interests, money and assets from fraud or other illegal activities.
25.3          Our role, responsibilities and restriction of liability
(a) We:
(i) do not control the management, operation or any other aspect of the Anti-fraud Databases;
(ii) compile the Alerts solely based on the information available from the Anti-fraud Databases from time to time; and
(iii) would not compile any Alert relating to a payee, a payee account or a transaction if no information about it is available from the Anti-fraud Databases.
Therefore, we do not and cannot warrant whether the information available from any Anti-fraud Database is complete, true, accurate and up-to-date, and that the Fund Transfers for which you do not receive Alerts are not fraudulent nor that Fund Transfers for which you receive Alerts are fraudulent. Our records of its delivery of any Alert to you and any response from you whether to proceed or cancel any Fund Transfer shall have conclusive effect save for manifest error.
(b) We may compile and deliver the Alerts in such ways as it considers appropriate. We shall have sole discretion to determine and/or vary, from time to time and without further notice to you, the contents of the Alerts, the channels or means through which the Alerts are delivered, and/or the currency(ies) of the Fund Transfers, having regard to our needs and the feedback, comments, guidance or recommendations from the relevant persons. Relevant persons may include but not limited to law enforcement agencies or other governmental bodies, or regulatory authorities or industry associations of Hong Kong. We may deliver the Alerts to you by electronic or other means.
(c) We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from any information available or omitted from any Anti-fraud Database, or any delay, unavailability, disruption, failure, error of or caused by any Anti-fraud Database, or arising from any circumstances beyond our reasonable control.
(d) We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from or in connection with the Alerts (or any delay or unavailability of the Alerts), or the processing, execution or cancellation of Fund Transfers affected by the Alerts (or by any delay or unavailability of the Alerts), except to the extent that any loss, damage or expense incurred or suffered is direct and reasonably foreseeable, and arising directly and solely from our gross negligence or wilful default or that of its officers, employees or agents.
(e) In no event will we, our affiliates or group companies, our licensors, and our and their respective officers, employees and agents be liable to you or any other person for any loss of profit or any special, indirect, incidental, consequential or punitive loss or damages (whether or not they were foreseeable or likely to occur).
(f) Nothing in these provisions is intended to exclude or restrict any right or liability to the extent of which it may not be lawfully excluded or restricted.
25.4          Your responsibility
You are responsible for taking reasonably practicable steps to safeguard your own interests, money and assets from fraud or other illegal activities. You are responsible to check and ensure that the payee, the payee account, the transaction and the transaction details are real and trustworthy in each case. You should consider carefully whether to proceed with or cancel a Fund Transfer affected by an Alert. Your decision to proceed with or cancel a Fund Transfer affected by an Alert is binding on you and you shall be solely responsible for the consequences.

According to the latest rule adopted by U.S. Securities and Exchange Commission ("SEC"), starting from 28 May, the standard settlement cycle of US securities will shorten from two business days after the trade date (T+2) to one business day after the trade date (T+1). Please visit SEC website for more details.

In order to help members of the public verify the identities of SMS senders, with the support of the Hong Kong Monetary Authority (HKMA), the Hong Kong Police Force, the Office of the Communication Authority (OFCA) and the telecommunications industry, the “SMS Sender Registration Scheme” (“The Scheme”) will be extended to the banking industry for transmission and delivery of trusted SMS from Registered Senders. All banks participating in “The Scheme” have started using “Registered SMS Sender IDs” with prefix “#” to send SMS to local subscribers of mobile services in Hong Kong.

Starting from 28 January 2024, Bank of China (Hong Kong) (“the Bank”)will use “Registered SMS Sender IDs”: #BOCHK、#BOCHK_TXN or #BOCHK_CC to send SMS messages to customers’ registered mobile phone number.

Under the Scheme, SMS messages with sender IDs containing "#" but not sent by Registered Senders will be screened out by the telecommunications networks. Subscribers of mobile services are not required to apply for the service, install any mobile apps or change their handset settings. The Scheme is not applicable to:
i. SMS messages of which receiving parties are expected to reply to the senders via phone numbers; or
ii. Local subscribers of Single-Card-Multiple-Numbers/One-Card-Two-Numbers mobile service provided by non-Hong Kong operators.

Regarding the “SMS messages of which receiving parties are expected to reply to the senders via phone numbers”, The Bank will send you (through any of the following phone numbers: +852 622649931110 or +852 645063570006) to your registered mobile phone number, inviting you to reply whether you have logged in/made the transaction.

The Bank would like to remind customers under all circumstances, should stay highly vigilant when receiving SMS from unknown senders, and must not disclose to unidentified senders any personal information, bank account numbers or credit card details, transfer money or access any hyperlink in the SMS, to avoid suffering any loss.

Please refer to the following website for the Office of the Communication Authority SMS Sender Registration Scheme information: https://www.ofca.gov.hk/ssrs

To enhance your control over your BOC Card, you can now adjust the daily limit of BOC Card POS Transaction and Transfer, and block or unblock your BOC Card if necessary.

The daily limit for BOC Card POS transaction and transfer is preset at HKD/RMB 50,000. You may lower your limit (from HKD/RMB 50,000 to HKD/RMB 0) through Mobile Banking, Internet Banking, Online Chat or 24-hour Customer Service Hotline.

If you notice any unauthorized transactions on your BOC Card, please report them through our Customer Service Hotline (852) 2691 2323, Online Chat or in person at any of our branches.

You may also block the Card through Mobile Banking, Internet Banking, Online Chat or 24-hour Customer Service Hotline and unblock the Card through the channels mentioned above if you consider it safe to do so.

If unusual transaction / activity is detected on your credit card, Bank of China (Hong Kong) (“the Bank”) will send you a two-way alert SMS to your registered mobile phone number, inviting you to reply whether you have authorised / initiated it. Please carefully verify the details in the SMS, such as merchant name, transaction type, transaction amount and currency, before replying to that SMS.

If you have authorised the transaction / initiated the activity, please reply with "1" after verifying that the SMS content is correct. If you have not authorised / initiated it, or the SMS content is incorrect, please reply with "9". The Bank will follow up per your response, including immediate suspension of your credit card and contacting you for further details after receiving the reply of “9”.

Please note that:
1. Do not provide any personal and credit card information when replying that SMS. You may be charged for sending SMS by your telecom service provider.

2. If you have incorrectly replied that SMS, please contact the Bank immediately.

3. If you receive that SMS overseas, please contact the Bank immediately and do not reply that SMS.

The Bank has a stringent monitoring mechanism to safeguard your BOC Credit Cards. You are not liable for any unauthorised online transaction after our verification.

If you notice any unauthorised transaction:

1. You may log into your Mobile Banking or Internet Banking and reduce the Monthly Online Spending Limit to HK$0. You can also raise the limit when you feel safe. The steps are as follows:

Mobile Banking

Bottom right corner [Menu]>Setting> Setting Online Spending limit

Internet Banking

Personal setting> Setting Credit Card Monthly Online Spending Limit

You may use Online Customer Services (Online Chat) in Mobile Banking or Internet Banking for suspension or reporting a lost or stolen credit card;

2. If you have not registered for Mobile Banking or Internet Banking, you may contact BOC Credit Card 24-hour Customer Services Hotline (852) 2853 8828 or BOC Credit Card 24-hour Lost Card Reporting Hotline at (852) 2544 2222.

Please try to keep any screen captured images/evidences (if applicable) for our follow-up. For more details, please visit:
www.bochk.com/en/creditcard/service/chargeback.html

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