PDF《i. PIN》

BOX 60126, TSAT TSZ MUI POST OFFICE, HONG KONG www.

asia.ccb.com Notice of Changes in relation to CCB (Asia) Credit Cards ( Cards ) Dear Valued Cardmember, We would like to inform you that there will be changes made in relation to your Cards. The changes will be effective tentatively in the fourth quarter of 2018, and we will notify you of the effective date ( Effective Date ) separately. I. Amendments to the Documents relating to Cards A summary of the key changes is set out under Section A, and the full details of changes are set out under Section B. A. Summary of the Key Changes 1. Fee Schedule i. A new service fee will be levied on credit card paper statement. ii. The Bank will no longer charge delinquent APR. iii. The annual membership fee, and balance refund handling fee will be updated. 2. CCB (Asia) Credit Card Cardmember Agreement i. PIN PIN will not be assigned by the Bank but will be selected by Cardmembers. ii. Combined Credit Limit and Consolidated Credit Card Statement Cardmembers with more than one Card will be assigned with a combined credit limit1 , which will be shared among all Card (VISA, Mastercard or UnionPay Dual Currency Credit Card) accounts2 . Furthermore, the Bank will issue a consolidated monthly statement (covering both principal and supplementary account (if any) ) for all Cards2 under the same principal Cardmember, such that all Cards will have the same statement date and payment due date. For Cardmembers with multiple statement dates within a month, the last statement date before 27th (if all statement dates are on or before 26th ) or 27th (if any statement date(s) is/are on or after 27th ) will become the statement date of the consolidated monthly statement. Consolidated Statement Date Example #1: If you currently have multiple statement dates (e.g. 2nd, 12th and 23rd) within a month, 23rd of each month will become the statement date of the consolidated monthly statement. Consolidated Statement Date Example #2: If you currently have multiple statement dates (e.g. 15th, 25th and 28th) within a month, 27th of each month will become the statement date of the consolidated monthly statement. Cardmembers should be aware that the balance of each Card account must still be settled separately. Remarks: 1. The amount of the combined credit limit will be determined subject to the status of each VISA or Mastercard or UnionPay Dual Currency Credit Card account. 2. The combined credit limit and consolidated credit card statement will not be applicable to Business Credit Cards. iii. Credit Card Paper Statement Fee A new service fee will be levied on credit card paper statement. iv. Terms and Conditions for use of Octopus Card Function on CCB (Asia) Octopus UnionPay Dual Currency Credit Card Revisions are made to clarify the handling of any remaining value of the Octopus card function as stored on the CCB (Asia) Octopus UnionPay Dual Currency Credit Card upon termination. 3. Terms and Conditions of CCB (Asia) eye Credit Card Extra Bonus Point Rewards Programme Electronic wallet top-up or fund transfer will not be eligible for extra

4 times bonus points. 4. CCB (Asia) Hong Kong Airlines Fly Away Credit Card Gift Rewards Programme Terms &

Conditions i. Cap On Designated Transactions To Earn Bonus Points The cap on the total amount of designated transactions that are eligible for earning Bonus Points will be changed to

12 times of the permanent combined credit limit of the principal Cardmember. The basis of the calculation of such amount will be changed to each calendar year. ii. Bonus Points Expiry Bonus points earned are valid for up to