Disclaimer
We are an authorized institution under the Banking Ordinance, licensed for Type 1 and Type 4 regulated activity under the Securities and Futures Ordinance and an approved insurance agent under the Insurance Companies Ordinance. This material is directed to residents in Hong Kong only, and is not intended for distribution to, or use by, any person outside Hong Kong. This material is not an offer, invitation or inducement to buy or sell any investment or insurance products. This material does not constitute any prediction of likely future movements in prices of any investment products. You may not share, forward or reproduce this material for business purpose. This material was issued by China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.

Terms and Conditions of “CCB (Asia) Credit Card Overseas Purchases, Online Purchases, Spending through Apple Pay and Sports, Entertainment and Apparel Spending Bonus Point Rewards Promotion ("Program"):
1.	THE PROGRAM - This Program is only available for cardmembers (“Cardmember(s)”, “you”) of credit cards (except Corporate Credit Cards and Business Card) (“Eligible Card(s)”) issued by China Construction Bank (Asia) Corporation Limited (the “Bank”, “we”, “us”, “our”). The promotion period of the Program is from March 15, 2018 to March 14, 2019 (both dates inclusive) (“Promotion Period”).
2.	REGISTRATION - To be eligible for the Program, you must successfully register via online at www.asia.ccb.com/bprewards/en or via hotline at 372 47999 from March 16, 2018 10:00 am to March 14, 2019 11:59 pm. The Cardmember(s) will be given a registration reference number upon successful registration. No registration will be accepted outside these periods. Time shall be of the essence and shall be in Hong Kong time in accordance with our system and record. To be eligible for the program, you must be the first 25,000 Cardmembers who have successfully registered for this program. If the principal Cardmember has more than one eligible credit card, registration of one of his/her eligible credit cards will automatically register all of other credit cards under his/her name. The eligible transactions will be counted by each Card account. The Promotion period of this program is divided into 12 phases.
3.	ELIGIBLE SPENDING PERIOD - According to the date of the registration (“Registration Date”), registered Cardmember(s) will be eligible to receive the rewards specified in clause 4 during the below Eligible Spending Period: Registration Date Eligible Spending Period March 15 – April 14, 2018 (Phase 1) March 15, 2018 – March 14, 2019 April 15 – May 14, 2018 (Phase 2) April 15, 2018 – March 14, 2019 May 15 – June 14, 2018 (Phase 3) May 15, 2018 – March 14, 2019 June 15 – July 14, 2018 (Phase 4) June 15, 2018 – March 14, 2019 July 15 – August 14, 2018 (Phase 5) July 15, 2018 – March 14, 2019 August 15 – September 14, 2018 (Phase 6) August 15, 2018 – March 14, 2019 September 15 – October 14, 2018 (Phase 7) September 15, 2018 – March 14, 2019 October 15 – November 14, 2018 (Phase 8) October 15, 2018 – March 14, 2019 November 15 – December 14, 2018 (Phase 9) November 15, 2018 – March 14, 2019 December 15, 2018 – January 14, 2019 (Phase 10) December 15, 2018 – March 14, 2019 January 15 – February 14, 2019 (Phase 11) January 15 – March 14, 2019 February 15 – March 14, 2019 (Phase 12) February 15 – March 14, 2019
4.	REWARDS - Eligible Transactions made with Eligible Cards will receive below bonus point rewards (“Rewards”). Only Eligible Transactions made during the Promotion Period will be counted for the Rewards. The Spending Categories and the relevant Eligible Transaction requirements are as follows: Spending Categories Total Bonus Points (Including Basic Bonus Points)∆ Overseas purchases+* All eligible overseas purchases 3X Online Spending* All eligible online spending (exclude online bill payment and online tax payment) 3X Spending through Apple Pay ^ All eligible spending through Apple Pay 3X Designated Sports, Entertainment and Apparel* Eligible spending in Hong Kong Dollars at designated local sports, entertainment, and apparel merchants. Designated Merchants include: 6IXTY8IGHT, adidas, adidas Originals, AMC Cinemas, Ashworth, Avis, Armed Forces & Armed Forces Out Bound Training, bossini, Broadway Circuit, Catalog, CEO, Cityline, Columbia, C.P.U., CCSHOP, Central Central, Dream Come True, Diving Adventure, Dialogue in the Dark, eq:iq, Fitness First, G2000, Go Wild, GigaSports, GolfZon GreenLive, Golden Harvest Cinemas, Harmont & Blaine, Hush Puppies, Impact Force CQB, Inspire For Men, ICE FIRE J.LINDEBERG, JetOne Motion, Marathon Sports, Mega Ice, MCL Cinemas, Magic Fun Bowling World, millie’s, MiRABELL, Neway, Ngong Ping 360, New Youth Sporting Goods, Noah’s Ark Hong Kong, Ocean Park Hong Kong, Outdoor Depot, One Yoga Studio, PALACE Cinemas, Phillip Wain International, Pretty Ballerinas, Play Ski ‘N Board Shop , PURE Fitness, PURE Yoga, Ryze Ultimate Trampoline Park, RedMR, Reebok, Shooting Workshop, Slope Infinity, South China Athletic Association (SCAA) Bowling Centre, Sportshouse, The Metroplex, The North Face, The Rink, the sky, The ONE Golf Club, Timberland, Twist, UA Cinemas, Verm City, VR ARENA CWB, Wan Kee Group, Whitehead Club 10X + Overseas Purchases for Visa or Mastercard - All transactions effected in a currency other than Hong Kong Dollars are converted from the transaction currency into Hong Kong Dollars and charged to the Card Account based on the exchange rate adopted by Visa or Mastercard, as applicable, on the date of conversion. In addition, all transactions effected in a currency other than Hong Kong Dollars are subject to a foreign currency conversion fee (representing the charge imposed by Visa or Mastercard on the issuer of the Card) and an overseas transaction fee, in such amounts as set forth in the Fee Schedule. Overseas Purchases for UnionPay Dual Currency Credit Card - Save and except for transactions effected in RMB and transacted in Mainland China, all transactions effected in a currency other than HKD including transactions effected in RMB transacted in territories outside Mainland China, including without limitation, Hong Kong or Macau, are converted from the transaction currency into HKD and charged to Cardmember's HKD Card account based on the exchange rate adopted by UnionPay’s prevailing exchange rate on the date of conversion. Cardmember agrees to accept UnionPay’s exchange rates as quoted from time to time without dispute. * The Rewards will be available at merchants accepting Visa, Mastercard and UnionPay Dual Currency Credit Card for payment. Eligible spending will be decided by the Bank. ^ Only applicable to Visa and Mastercard Credit Card. ∆ The total bonus point Rewards include the basic bonus points given under the CCB (Asia) Credit Card Bonus Points Program, "Dual Currency Cash Rebate Scheme" and "Asia Miles Redemption Program" of CCB (Asia) UnionPay Dual Currency Credit Card, "Dual Currency Cash Rebate Scheme" and "Asia Miles Redemption Program" of CCB (Asia) UnionPay Diamond Prestige Credit Card, CCB (Asia) Visa Infinite Credit Card Gift Redemption Program and CCB (Asia) Hong Kong Airlines Fly Away Credit Card Gift Rewards Program (if applicable) for each principal card. The maximum extra bonus points each principal card can receive is 300,000 bonus points, (excluding the basic bonus points) for the whole promotion period. The maximum extra bonus points each principal card can receive is 25,000 bonus points, (excluding the basic bonus points) for each phase. All terms and conditions of the CCB (Asia) Credit Card Bonus Points Program, "Dual Currency Cash Rebate Scheme" and "Asia Miles Redemption Program" of CCB (Asia) UnionPay Dual Currency Credit Card, "Dual Currency Cash Rebate Scheme" and "Asia Miles Redemption Program" of CCB (Asia) UnionPay Diamond Prestige Credit Card, CCB (Asia) Visa Infinite Credit Card Gift Redemption Program and CCB (Asia) Hong Kong Airlines Fly Away Credit Card Gift Rewards Program (if applicable) shall apply, and it/they shall prevail in case of any inconsistency with the terms and conditions of the Promotion. This Rewards promotion cannot be used in conjunction with any other promotions. Each eligible spending that has already received a total of 3 times bonus point eligible for Spending through Apple Pay will not be eligible to receive a total of 3 times bonus points for online spending, even if is classified as an online spending or spending through Apple Pay. Each eligible spending that has already received a total of 10 times bonus point eligible for entertainment, sports and apparel will not be eligible to receive a total of 3 times bonus points for online spending, even if is classified as an online spending or spending through Apple Pay. The online spending and retail transactions made by Visa payWave function (including Apple Pay transactions which are identified as Visa payWave transactions) made by eye Credit Card will continue to receive a total of 5 times bonus points, on the other hand are not eligible to receive a total of 3 times bonus points under this promotion. The online spending and retail transactions made by Visa payWave function (including Apple Pay transactions which are identified as Visa payWave transactions) at designated Sports, Entertainment and Apparel Merchants made by eye Credit Card will continue to receive a total of 5 times bonus points and extra 5 times bonus points under this promotion, add up to a total of 10 times bonus points. Besides the overseas and travel online spending made by Instant Travel Club members are not eligible for this bonus point Rewards promotion. Hong Kong Airlines Fly Away Credit Cardmembers will continue to receive a total of 1.5 times bonus points for all eligible overseas spending and extra 1.5 times bonus points under this promotion, add up to a total of 3 times bonus points.
5.	EXCLUDED TRANSACTIONS - The following spending will not be qualified as eligible transaction: transactions not posted within 10 days after a Spending Period, balance transfers, all interest free installment transactions, payments for insurance policies issued by insurance companies, autopay transactions, online bill payments, “Interest-free $martExpress” transactions, fund transfer to electronic wallet, tax payments, and fees and changes made or incurred (whether in relation to the Card account(s) or otherwise) and any transactions that have been cancelled or refunded, or which we otherwise decide are not eligible.
6.	SUPPLEMENTARY CARDS - Eligible Transactions made by supplementary Cardmember(s) of the designated Card(s) during the entire Promotion Period will be treated as made by the principal Cardmember(s) of the Card(s) for the purpose of the Program.
7.	NOTIFICATION OF THE REWARDS - All successful registrations will be recorded in our computer system, and will not be subject to any request for change or cancellation, our record shall prevail and final. Additional bonus points will be credited to eligible principal card accounts and shall be shown in the monthly statement and the arrangement is as follows: Eligible Spending Month Extra Bonus Points will be credited in the below Month March 15 – April 14, 2018 (Phase 1) June 2018 April 15 – May 14, 2018 (Phase 2) July 2018 May 15 – June 14, 2018 (Phase 3) August 2018 June 15 – July 14, 2018 (Phase 4) September 2018 July 15 – August 14, 2018 (Phase 5) October 2018 August 15 – September 14, 2018 (Phase 6) November 2018 September 15 – October 14, 2018 (Phase 7) December 2018 October 15 – November 14, 2018 (Phase 8) January 2019 November 15 – December 14, 2018 (Phase 9) February 2019 December 15, 2018 – January 14, 2019 (Phase 10) March 2019 January 15 – February 14, 2019 (Phase 11) April 2019 February 15 – March 14, 2019 (Phase 12) May 2019
8.	OUR RECORD PREVAILS - Our records of the extra bonus points that you earn under the Program and all decisions regarding bonus point redemption shall (unless there is an obvious error) be final and binding upon you.
9.	ELIGIBILITY - Your eligibility for the Program is subject to our checking on your Card account status and to your Card account(s) remaining valid and in good standing (as determined at our discretion) throughout the Promotion Period and at the time when the extra bonus points are given. Where extra bonus points have been credited to a Card account and there is a subsequent reversal of any transaction(s) in respect of which the rewards were awarded, the Bank reserves the right to debit the rewards that have been credited to the Card account(s).ds that have been credited to the Card account(s).
10.	RIGHT TO VARY, ETC. - We reserve the right to vary the Program and/or these Terms and Conditions, or to replace, cancel or withdraw the Program, at our discretion at any time without giving you prior notice.
11.	FINAL DECISION - We retain the final decision in any differences or disputes under the Program, and shall not be responsible or liable for any claims or liability resulting from any Cardmember’s participation in the Program howsoever suffered or incurred.
Terms and Conditions of DimBuy Promotion (“Offers”):
1.	Offers are only available for cardmembers (“Cardmembers”, “you”) of CCB (Asia) Visa and Mastercard Credit Cards (exclude CCB (Asia) UnionPay Dual Currency Credit Card, Corporate Credit Card and Business Card) issued by China Construction Bank (Asia) Corporation Limited (“Bank”) (“Eligible Cards”) during the promotion period stated in our promotional material (“Promotion Period”).
2.	The Promotion Period is from 15 June 00:00 to 31 July 23:59, 2018 and based on transaction date in Hong Kong Time (both dates inclusive).
3.	The maximum amount each Cardmember can enjoy with the 15% off on China and International logistic services offer (“Offer 1”) is HKD150 for each transaction.
4.	Offer 1 is only applicable for choosing “CCB(Asia) Credit Cards logistic fee 15% off” offer to settle payment. If Cardmembers select any credit cards of other bank and enter the card number of Eligible Cards to settle payment, the price difference will not be refunded.
5.	DimBuy will charge 3% administration fee for credit card payments and Offer 1 is not applicable to this administration fee. (For example: If original order amount is HKD24, with Offer 1 = HKD24 x 85% = HKD20.4, and 3% administration fee = HKD20.4 x 3% = HKD0.61, the total net amount will be HKD20.4 + HKD0.61 = HKD 21.01).
6.	Cardmembers are entitled to a HKD30 DimBuy e-Voucher upon a single net transaction of HKD300 or above (“Offer 2”).
7.	Cardmembers are entitled to a HKD30 DimBuy e-Voucher upon new online registration of DimBuy’s membership (“Offer 3”). Offer 3 is applicable to new DimBuy members only. Each cardmember can only redeem Offer 3 once, regardless of the number of Eligible Cards owned.
8.	Offers 1 to 3 are not applicable to Express Checkout and all kinds of DimBuy Pass.
9.	Unless otherwise specified, Offers 1 to 3 cannot be used in conjunction with other promotional offers, coupons or discounts and cannot be redeemed or exchanged for cash or other products.
10.	To enjoy the Offers, Cardmembers are required to have an account created at https://logistics.dimbuy.com or DimBuy Logistics App (“Dedicated DimBuy Website/App”) and settle the payment in full with the Eligible Cards during the Promotion Period.
11.	No cancellation of service is allowed for all claimed shipments and no refund could be arranged for all confirmed orders.
12.	In order to safeguard the bilateral rights and interests, the recipient of package must be the Cardmember who made the payment.
13.	Except the order number and transaction record, DimBuy will not collect any Cardmember personal information.
14.	DimBuy’s Terms and Conditions and Privacy Policy apply; please refer to those policies as published in the Dedicated DimBuy Website/App.
15.	All products, services and information related to the promotion are directly sold and supplied to customers by DimBuy who is solely responsible for all related obligations and liabilities.
16.	The Bank and DimBuy reserve the right to vary or terminate the above offers at any time and to amend the terms and conditions from time to time.
17.	In case of disputes, the decision of the Bank and DimBuy shall be final.
Terms and Conditions of the HKD30 DimBuy e-Voucher:
1.	DimBuy e-Voucher (in form of e-code) will be sent to the eligible Cardmembers in the first week of July and August 2018 by email.
2.	The expiry date of DimBuy e-Voucher that Cardmembers earned from Offer 2 is September 30, 2018. The expiry date of DimBuy e-Voucher Cardmembers earned from Offer 3 is December 31, 2018. Expired e-Voucher will not be replaced nor re-issued.
3.	DimBuy e-Voucher is applicable to the online transaction in HKD currency from China and overseas countries to Hong Kong. The e-Voucher can be used once only and cannot be used in conjunction with other promotional offers.
4.	When the final transaction net amount is less than HKD30, the balance will not be refunded or exchanged for DimBuy bonus points or gifts.
5.	DimBuy e-Voucher is not applicable to Express Checkout service and all kinds of DimBuy Pass.
6.	DimBuy e-Voucher is neither transferrable nor redeemable for cash and other DimBuy services.
7.	Cardmembers are required to input the e-Voucher to enjoy the instant discount before the transaction is confirmed.
8.	Only one e-Voucher is allowed per transaction. The offer cannot be changed upon order completion.
9.	The Bank and DimBuy retain the final decision in any differences or disputes under the Program.
Terms & Conditions of Reebonz Promotion (“Offers”):
1.	Offers are only available for cardmembers (“Cardmembers”, “you”) of CCB(Asia) Visa and Mastercard Credit Cards (exclude CCB(Asia) UnionPay Dual Currency Credit Card, Corporate Credit Card and Business Card) issued by China Construction Bank (Asia) Corporation Limited (“Bank”) (“Eligible Cards”) during the promotion period stated in our promotional material (“Promotion Period”).
2.	The Promotion Period is from 15 June 00:00 to 14 July 23:59, 2018 (both dates inclusive).
3.	Cardmembers are entitled to a HKD200 instant discount upon new registration of Reebonz’s membership via www.reebonz.com/hk?invite=ccba2018 (“Offer 1”). Offer 1 is applicable to new Reebonz members only. Each Cardmember can only redeem Offer 1 once, regardless of the number of Eligible Cards owned.
4.	Offer 1 will be instantly stored in Reebonz’s member account and valid until 14 July, 2018.
5.	Cardmember are required to input the designated promotion code “CCBA2018” upon checkout to enjoy the 13% off on the total bill (“Offer 2”).
6.	Offer 1 will be deducted in the first transaction of the new Reebonz member. Offer 1 will be applied to the bill amount first and then offer 2 will be applied.
7.	Unless otherwise specified, Offers 1 and 2 cannot be used in conjunction with other promotional offers, coupons or discounts and cannot be redeemed or exchanged for cash or other products.
8.	Offers 1 and 2 are not applicable to jewellery, watches, Hermes, selected merchandises and events; please check with Reebonz HK Limited ("Reebonz") for details.
9.	To enjoy the Offers, Cardmembers are required to have an account created at www.reebonz.com/hk or Reebonz App and settle the payment in full with the Eligible Cards during the Promotion Period. To register as a Reebonz Member, please visit www.reebonz.com/hk?invite=ccba2018 for details. Personal information is required when enrolling as Reebonz Member. Personal data of Cardmembers may be collected by Reebonz and the use of such personal data shall be subject to the Personal Information Collection statement of Reebonz. For details, please visit www.reebonz.com/hk.
10.	All products, services and information related to the promotion are directly sold and supplied to customers by Reebonz who is solely responsible for all related obligations and liabilities.
11.	The Bank and Reebonz reserve the right to vary or terminate the above offers at any time and to amend the terms and conditions from time to time.
12.	In case of disputes, the decision of the Bank and Reebonz shall be final.
Terms and Conditions for CCB(Asia) Credit Card ZUJI promotion offers (“Offers”):
1.	Offers are only available for cardmembers (“Cardmembers”, “you”) of Visa and Mastercard Credit Cards (except CCB (Asia) UnionPay Dual Currency Credit Card, Corporate Credit Cards and Business Card) (“Eligible Card(s)”) issued by China Construction Bank (Asia) Corporation Limited (“Bank”). Cardmembers are required to settle the bill by Eligible Cards to be entitled to the Offers.
2.	HKD350 Instant Flight Discount (“Offer 1”): Booking period is from June 18 (00:01) to July 1(23:59), 2018, both dates inclusive (“Booking Period 1”). Departure period is from June 20 to December 31, 2018, both dates inclusive (“Departure Period 1”).
3.	HKD350 Instant Hotel Discount (“Offer 2”): Booking period is from June 18 (00:01) to July 1(23:59), 2018, both dates inclusive (“Booking Period 2”). Stay period is from June 20 to December 31, 2018, both dates inclusive (“Stay Period 2”).
4.	Up to 50% off Offer on Bookings of Selected Hotels (“Offer 3”): Booking period is from June 18 to July 17, 2018, both dates inclusive (“Booking Period 3”). Stay period is from June 20 to December 31, 2018, both dates inclusive (“Stay Period 3”).
5.	Offer 1: Cardmembers are entitled to HKD350 instant discount upon booking of return flight departing from Hong Kong, with a minimum booking value (base airfare excluding taxes and surcharges) of HKD3,000 or above in a single net transaction via the designated ZUJI website (https://www.zuji.com.hk/en-hk/hot-deals/ccba-jun18/) during Booking Period 1. Cardmembers are required to enter the coupon code “CCBA350F”, into the Coupon Code field in the checkout section of the website, and click “Apply Now” button. Offer 1 is available on a first-come-first-served basis with a quota of 300.
6.	Offer 2: Cardmembers are entitled to HKD350 instant discount upon hotel booking, with a minimum booking value of HKD3,000 or above in a single net transaction via the designated ZUJI website (www.zuji.com.hk/en-hk/hot-deals/ccba-jun18/) during Booking Period 2. Cardmembers are required to enter the coupon code “CCBA350H”, into the Coupon Code field in the checkout section of the website, and click “Apply Now” button. Transaction amount includes hotel accommodations, taxes and surcharges. Offer 2 is available on a first-come-first-served basis with a quota of 200.
7.	Offer 3: Cardmembers are required to book the selected hotels in Tokyo, Kaohsiung, Seoul, Shanghai and Pattaya via designated ZUJI website （www.zuji.com.hk/en-hk/hot-deals/ccba-jun18/）to enjoy up to 50% off during the Booking Period 3.
8.	Offer 1 is not applicable to flight reservations from specified airlines, including HK Express, Tigerair Australia, Jetstar Airways, Virgin Australia International Airlines, Jetstar Asia Airways, Jetstar Pacific Airlines, Jetstar Japan, Air Jamaica, Scoot, Mandala Airlines, Cebgo, Tigerair Taiwan, Tiger Airways.
9.	Offer 1 does not apply to booking packages via ZUJI (www.zuji.com.hk/en-hk/packages), nor to one-way or multi-city (open-jaw) journeys.
10.	Offer 2 is valid for hotel only bookings and are not permitted when combining a flight and hotel in one booking or a package booking.
11.	Offer 2 is not applicable for selected hotels, that the list of the excluded hotels is provided at discretion of ZUJI and displayed on ZUJI HK Official Website (www.zuji.com.hk) for booking, and is subject to change by ZUJI from time to time without further notice. You will be able to check if the hotel can be used with the coupon code before booking. For details, please visit: (zuji.com.hk/en-hk/about-us/coupon-codes/hotels).
12.	Offer 2 is not valid for use where payment for the qualifying purchase is required to be made directly to the supplier or hotel, including at on-site check-in at the hotel premises.
13.	Offer 2 and 3 can be used at the same time.
14.	Offers are subjected to flight & hotel room availability.
15.	Unless otherwise specified, the Offers cannot be used in conjunction with other promotional offers and cannot be redeemed for cash or other products.
16.	If the transactions are not settled by Eligible Card, ZUJI has the right to charge Cardmembers’ card account for the amount of the coupon code discount obtained by Cardmembers and a HKD300 administration fee without further notice.
17.	If Cardmembers wish to change a booking made using a Coupon Code after the Booking Period, Cardmembers may be charged the full amount of coupon code discount as well as any carrier-imposed change fees or charges.
18.	If Cardmembers have cancelled any related transaction which had been included in calculating the transaction after the receipt of the discount, ZUJI has the right to debit the discount from the Cardmember’s credit card account without further notice.
19.	In case of any fraud / fraudulent, or the related transaction does not fulfill all promotion requirements, ZUJI has the right to debit the value of the coupon code discount and a HKD300 administration fee from the Cardmember’s card account without further notice.
20.	All product information, prices, and photos shown are for reference only.
21.	Offers and use of Coupon Code are subject to other terms. Please refer to ZUJI website (www.zuji.com.hk/en-hk/general/terms-and-conditions/) and Coupon Code Terms and Conditions (www.zuji.com.hk/en-hk/about-us/coupon-codes/) for details.
22.	The Bank and ZUJI reserve the right to change the Terms and Conditions at any time without prior notice.
23.	In case of any disputes, the decision of the Bank and ZUJI shall be final and conclusive.
Terms and Conditions of Merchant Promotion Program (“Program”):
1.	Unless otherwise specified, this Program is only applicable for the Credit Card(s) (except Corporate Credit Card and Business Card (“Eligible Card(s)”) issued by China Construction Bank (Asia) Corporation Limited (the “Bank”, “we”, “us”, “our”) and is only applicable to Principal Cardmembers of the Bank’s issued Cards (“Cardmember)”, “you”) during the promotion period stated in our promotional material (“Promotion Period”). For CCB (Asia) UnionPay Dual Currency Credit Cardmembers the offer is only available at merchants accepting UnionPay Dual Currency credit card for payment.
2.	To enjoy the offers set out in this promotional material (“Offers”), you need to settle the retail transactions with the Card. The Offers cannot be used in conjunction with any promotional offer(s) and cannot be exchanged for cash.
3.	The Offers are subject to availability. All pictures and information of the Offers are for reference only, please contact the relevant merchants for details.
4.	The Bank will not provide notice of non-availability or substitution.
5.	The products/services are provided by the relevant merchant(s), the Bank shall have no liability in any respect. The validity and use of any product or service of the Offers under the Program shall be subject to the relevant usage instructions and terms and conditions set by the supplier.
6.	The Bank shall not act as, or assume any liability of, a product/service supplier (or its agent). Any claim, complaint, or dispute concerning any product or service must be referred to and resolved between the relevant supplier and the Cardmember, which shall in no way relieve such Cardmember from his/her, payment or other obligations to us.
7.	The Bank, merchants and suppliers reserves the right to vary the Program and/or these Terms and Conditions, or to cancel the Program, at our discretion at any time without giving you prior notice.
8.	The Bank and the related merchant retain the final decision in any differences or disputes under the Program.
9.	In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.