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Bank of Communications Credit Card Double Fun Travel Service Package Program (2016) Annual Travel Insurance C Policy Terms (Project No.

BNDFTSP2016-01) This travel insurance is designed specifically for Bank of Communications designated CUP Diamond / VISA Platinum Credit Card principal cardholder &

/or supplementary cardholder (himself/herself) who is eligible for this insurance cover in any outbound round trip with departure place at Hong Kong in accordance with the terms and conditions of the Bank of Communications Credit Card Double Fun Travel Service Package Program (2016) and the CREDIT CARD TRAVEL COMPREHENSIVE INSURANCE MASTER POLICY terms and conditions arranged between credit card issue Bank and the Insurer. WHO IS COVERED The Insured Person refers to the eligible credit cardholder validated by the credit card issue bank prior to the commencement of the insurance cover. The Eligibility of Insured Person should subject to original terms and conditions stated under the Bank of Communications Credit Card Double Fun Travel Service Package Program (2016) . APPLICATION OF INSURANCE COVER The eligible credit cardholder will NOT automatically be covered by the subject Annual Travel Insurance UNLESS:- (1) The eligible credit cardholder has been successfully enrolled in the Bank of Communications Credit Card New Double Fund Travel Service Package Program;

(2) The enrolment has been duly accepted by Bank of Communications and the confirmation letter has been received by the eligible credit cardholder;

(3) The eligible credit cardholder should meet all credit card minimum eligible spending requirements under designated credit card within next

12 months after the issue date of the confirmation letter as mentioned in (2) above;

and (4) The eligible spending under designated credit card should include one of the followings before the commencement of each and every insurable trip during the period of cover:- - air &

/or cruise &

/or railway ticket - hotel accommodation - tour subscription fee In the event the applicant is being found he/she is not eligible to the insurance cover in this program. Insurer reserves all rights to reject or revoke the insurance cover. COMMENCEMENT OF INSURANCE COVER This insurance cover shall commence once the Insured Person departs from the immigration counter of Hong Kong for commencing the trip (unless otherwise agreed in other part of this insurance policy) and ceases once the Insured Person returns to the immigration counter of Hong Kong or when the duration of the trip attains 31st days from the commencement date of the insurance cover or the expiry date equals to the specified issue date plus

365 days (366 days for leap year) printed hereon the confirmation letter issued by Bank of Communications (unless otherwise agreed under the PERSONAL DEVIATION SECTION of this policy) whichever shall first occur. PROVIDED THAT 1. all application requirements specified under APPLICATION OF INSURANCE COVER are being fully satisfied prior to the commencement of insurance over. 2. the insurance cover of this policy shall apply twenty-four (24) hours a day anywhere in the world outside Hong Kong in the course of a Trip and the period of insurance shall begin at 00:01a.m., standard time Hong Kong SAR. 3. The credit cardholder is required to keep the valid credit card in good financial credit status in the course of the trip. 4. If cardholder cancels the credit card, the captioned insurance will be terminated immediately. WHAT IS COVERED Subject to the original terms, conditions and exclusions of the CREDIT CARD TRAVEL COMPREHENSIVE INSURANCE policy, this insurance will reimburse the eligible credit cardholder &