Dining. Year Round Privileges for NCB ATM Card Customers

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10% off on dine-in dinner from Mondays to Thursdays 2865 0355 Applicable from 6pm to 11pm only Cannot be used in conjunction with YOKU MOKU membership card Not applicable to 10% service charge Not applicable to public holidays 10% off upon purchase of HK$150 www.okashiland.com 2797 9967 Not applicable to purchase cash coupons, combo items (e.g. Buy 1 Get 1 Free, HK$10 for 3 products etc.) and redeemable items Cannot be used in conjunction with VIP card privilege Not applicable to Airport and discount outlets Applicable to outlets in Hong Kong only Café Rivoli / Regal Palace / Alto 88 10% off on food items www.regalhotel.com 2890 6633 Reservation is required A maximum of 12 diners per patronage Applicable to dine-in consumption only Not applicable to charges for tea and condiments, bottled wine and spirits, beverages, banquet, special promotional items and menus, private room dining and ticket sales events 10% service charge applies based on original price Cannot be used in conjunction with complimentary valet parking Offers of Regal Palace are not applicable to 13-18 Feb, 12-13 May, 16-17 Jun, 23-24 Sept, 15, 16 & 22 Dec 2018 Offers of Café Rivoli and Alto 88 are not applicable to 1 Jan, 14 Feb, 13 May, 24-26 & 31 Dec 2018 5% off on grand menu upon dine-in patronage www.watami.com.hk 3158 0218 Applicable to outlets in Winsdsor House, Lee Theatre Plaza, Whampoa Garden, Tsim Sha Tsui Mary Building, Olympian City, Pioneer Centre, Kwun Tong One Pacific Centre, Sunshine City Plaza and V city only Not applicable to breakfast set, lunch set, tea set, student set and any set menu The offer can be used once for each table only. Number of diners of each table is subjected upon registration. Split transactions is not accepted www.fookmingtong.com 2295 0368

Applicable to flagship stores only www.eikowada.com.hk 2742 0800 www.evisu.com Not applicable to crossover items and limited edition items Not applicable to outlet in Citygate www.maudfrizon.com 2581 2666 5% off on regular-priced items Applicable to outlets in Hong Kong only www.ll-porter.com 2735 8000 10% off on frame, lens and sunglasses Not applicable to selected items, accessories and contact lens products www.puyi.com 2700 8833 10% off on selected regular-priced items 5% off on racket and paddle items www.sportshouse.com 2412 1809 Not applicable to selected brands, no-discount items and concession counters

Extra 5% off on regular-priced items Not applicable to selected items Can be used in conjunction with basic discount www.twist.hk 2797 2111 15% off on regular-priced items Extra 5% off on discounted items up to 30% off www.veeko.com.hk 2310 8837 Not applicable to leather caring products www.staccato.com 2785 9011 10% off on regular-priced shoes and bags www.joy-peace.com 2489 8005

A complimentary organic skincare travel set beyorgbeauty.com upon purchase of HK$2,200 on regular-priced items 2882 5218 A complimentary skincare or makeup consultation service and receive a sample upon completion www.clinique.com.hk 2378 0641 Reservation is required 5% off on selected items www.colourmix-cosmetics.com 2201 8668 A complimentary advanced hand treatment (valued at HK$320) upon any purchase www.jurlique.hk 2408 9797 Reservation is required 15% off on Shiseido Professional The Hair www.lamodsalon.com Care products, Haircut and Chemical service 2881 1092 20% off on head spa therapy, facial and body treatments Reservation is required 10% off and a complimentary welcome gift www.menard.com.hk 3426 3866 (BEAUNESS Spa Essence(30ml) and Exfoliate Moisturizing Herb Mask(20g), valued at HK$240) upon purchase of HK$1,000 at first patronage

HK$50 off upon purchase of regular-priced www.squina.com natural health food 2882 4884 (Applicable to counters and shops only) Enjoy first time trial of 75-minute Japanese Royal Recommendation Qigong Acupressure and Massage Facial Treatment (original price HK$1,560) at HK$380, which is fully redeemable on regular-priced products after service Not applicable to special priced products and value sets Applicable to outlets at 18/F 18 Pennington Street, Causeway Bay, 6/F Mira Place, Tsim Sha Tsui, 27/F One Pacific Centre, Kwun Tong and 9/F New Town Tower, Sha Tin Advance reservation is required at 2972 2833 15% off upon purchase of HK$200 on regular-priced makeup items www.tonymoly.com.hk 2790 0781 Purchase Ultimune Power Infusing Eye Concentrate Set at HK$550 (total valued at HK$820) www.shiseido.com.hk Including: Ultimune Power Infusing Eye Concentrate (15ml), White Lucent Brightening Cleansing Foam (30ml), White Lucent Luminizing Infuser (25ml) and White Lucent Anti-Dark Circles Eye Cream (5ml) A Complimentary Vital-Perfection White Revitalizing Set (total valued at HK$710) upon purchase of HK$1,500 (at least 2 Vital-Perfection items must be included) Each cardholder is entitled to enjoy the offer once only Mot applicable to value set) Including: Treatment Cleansing Foam (30ml), White Revitalizing Emulsion Enriched (30ml), White Revitalizing Softener Enriched (25ml) and White Circulator Serum (10ml)

www.agatha.fr 3529 6777 Not applicable to gold items and online purchase Applicable to outlets in Hong Kong only 12% off on regular-priced items www.3d-gold.hk 2766 3693 Not applicable to pure gold and platinum products, jewellery vouchers, watches and licensed items 20% off on craftmanship and design fee www.chowtaifook.com upon purchase of pure gold items 2526 8649 Purchase a selected item at redemption price Cannot be used in conjunction with other promotion offers (including gold club or jewellery club redemption, VIP gift vouchers and promotion coupons issued by Chow Tai Fook) Not applicable to purchase of pure gold nuggets, investment gold coins and gold bar, corporate gift orders and deposits Can be used in conjunction with wedding gift card Not applicable to Hong Kong Disneyland branch 8% off on diamond, natural fei cui (jadeite), pearl, gemstones and karat gold items www.lukfook.com 2710 9368 Not applicable to fixed-priced, special-priced, privileged-priced, authorised, Collector series, gold items and timepieces 10% off upon purchase of HK$10,000 on regular-priced items www.linksoflondon.com 2285 7288 Not applicable to outlet in Kwai Chung 10% off upon purchase of HK$3,000 www.monicavinader.com 3568 6628

10% off on regular-priced jewellery items www.tslj.com 2628 6228 Not applicable to Estrella diamond, un-mounted diamond, karat gold, pure gold, platinum, fixed-priced items, redemption items and tailor-made items

5% off on regular-priced items www.airland.com 2206 3388 5% off on regular-priced items Not applicable to limited edition and selected items www.cathkidston.hk 2310 6073 5% off on selected items Not applicable to 6 and 12 months installments plans www.giormani.com 2688 2072 A complimentary Spinex II (model no. SPX-520) (valued at HK$799) upon purchase of HK$10,000 on regular-priced items www.otobodycare.com 2549 4611 Not applicable to department store counters in Hong Kong Not applicable to the purchase of accessories, payment of maintenance, repair and spare part costs, shipping, delivery costs and other service charges Not applicable to travel accessories www.samsonite.com.hk 3753 6789 10% off on regular-priced men's/ ladies' wear, www.sincere.com.hk shoes, and handbags 2830 1016 5% off on regular-priced household and electrical items A complimentary VIP membership upon any purchase Not applicable to selected items

Healthcare A Complimentary NS Clover Honey (250g) (valued at HK$82) upon purchase of HK$600 www.crcare.com.hk 2839 1100 Not applicable to ginseng, cordyceps, bird s nest, herbal products, dried seafood, canned abalone, milk powder, baby supplies, consignment counter, redemption and fixed-priced items, selected discounted items and gift certificates Not applicable to VIP days 10% off new-priced dried bird's nest items www.nest1964.com 2815 5811 A complimentary bowl of same flavor www.hungfooktong.com Tortoise Plastron Jelly upon purchase of each set 2920 2206 (10 pieces) of Herbal Tortoise Plastron Jelly coupon or Lucid Ganoderma Tortoise Plastron Jelly coupon 22% off on regular-priced cordyceps products (1 tael or above) 10% off on regular-priced dried birds products (1 tael or above) www.ibnest.com 2390 6668 Applicable to outlets in Hong Kong only (except counters) Cannot be used in conjunction with wholesales and bulk purchase discount items, member discount or joint promotion and cash coupon Not applicable for online and phone order

Healthcare 15% off on selected physical check-up plans for www.qhms.com men and women 8301 8301 (Platinum, Executive, Premium and Elite physical check-up plan) Breast Cancer Screening at HK$1,080 (original price HK$1,180)(ET94) Lung Cancer Screening at HK$1,580 (original price HK$1,700)(ET95) Colorectal Cancer Screening at HK$8,500 (original price HK$9,500)(ET96) Reservation is required Buy 1 get 1 free on regular-priced jiang xuan tea and deep ocean fish oil softgel www.tongrentang.com.hk 2972 4022 5% off on regular-priced items www.euyansang.com.hk 2544 3308 Not applicable to purchase of gift certificates Applicable to outlets in Hong Kong only (except e-store, clinics, cruise harbor, cruise stores and exhibitions)

Kids Applicable to outlets in Hong Kong only www.chicco.com.hk 2810 7896 5% off upon single purchase of HK$800 on regular-priced items www.eugenegroup.com.hk 2811 4522 Digital HK$150 off upon purchase of HK$3,000 www.uthk.com 3173 2555 HK$100 off upon purchase of HK$2,000 on regular-priced items www.cyeshop.com 2349 9111 Not applicable to mobile phones, Apple products and tablet computers HK$200 off upon purchase of HK$2,000 on single regular-priced item www.cmk.hk 6283 9099 Not applicable to selected items Up to 20% off on selected home appliances, health & beauty care products, headphones and earphones www.panasonic.hk 2833 0955 Applicable to Ninki Denki shops at Tsim Sha Tsui, Yau Tong and Tsuen Wan and outlets at SOGO Causeway Bay, Tsim Sha Tsui East Showroom

Kids Applicable to outlets in Hong Kong only www.chicco.com.hk 2810 7896 5% off upon single purchase of HK$800 on regular-priced items www.eugenegroup.com.hk 2811 4522 Digital HK$150 off upon purchase of HK$3,000 www.uthk.com 3173 2555 HK$100 off upon purchase of HK$2,000 on regular-priced items www.cyeshop.com 2349 9111 Not applicable to mobile phones, Apple products and tablet computers HK$200 off upon purchase of HK$2,000 on single regular-priced item www.cmk.hk 6283 9099 Not applicable to selected items Up to 20% off on selected home appliances, health & beauty care products, headphones and earphones www.panasonic.hk 2833 0955 Applicable to Ninki Denki shops at Tsim Sha Tsui, Yau Tong and Tsuen Wan and outlets at SOGO Causeway Bay, Tsim Sha Tsui East Showroom

More offers, please visit: www.unionpayintl.com/hk/promotion/yro Terms and Conditions of Year Round Offers: 1. The promotion is applicable to NCB ATM Cards number starting with 62 (refers to NCB ATM Card ), except the RMB cards issued by specific Hong Kong and Macau card issuing institution. 2. The offers are valid from 1 January to 31 December 2018 (both dates inclusive) unless specified. 3. Nanyang Commercial Bank, Ltd. (refers to the Bank ), UnionPay International Company Limited (refers to UnionPay International ), are not responsible for and shall have no liability in respect of the quality of the products and services provided by the relevant merchants. 4. Cardholders must notify the usage of NCB ATM Card when making appointment, ordering or before payment. Payment should be settled with NCB ATM Card via UnionPay network in order to enjoy the offers. 5. The offers cannot be used in conjunction with other special promotion, members' privileges, discounts, promotional coupons, discounted and fixed-priced items unless specified. 6. The offers or gifts carry no cash value and cannot be exchanged for cash or other offers. 7. Each customer can enjoy the offer or redeem the gift once only in each transaction unless specified. 8. The offers or gifts are only available while stock lasts. Participating merchants reserve the right to change the gift item with the same value. 9. The prices shown are for reference only. 10.The offers are applicable to all outlets of merchants in Hong Kong and Macau unless specified. 11.Should a participating merchant close, any offer provided by said participating merchant will be terminated immediately. 12.Individual terms and conditions apply to merchant offers. Please refer to respective merchant offer details or check with merchants. 13.The Bank accepts no liability for the quality of or any other matters relating to the food, product, services provided by the merchant. The Merchant is solely responsible for all obligations and liabilities relating to the food, products and services on offer. 14.The Bank, UnionPay International reserves the right to amend or terminate the offers and terms and conditions at any time without prior notice, and shall not bear any responsibility caused by the amendments or the terminations. 15.In case of disputes, the decisions of the Bank, UnionPay International, and the participating merchants shall be final and conclusive. 16.Should there be any discrepancy or inconsistency between the English and the Chinese versions of these terms and conditions, the Chinese version shall prevail. General Terms and Conditions: Products, services and offers provided by the Bank are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of the Bank. The Bank reserves the right to amend, suspend or terminate the products, services and offers, and to amend the relevant terms at any time at its sole discretion without prior notice. In case of any dispute, the decision of the Bank shall be final.