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Notice of “Overseas ATM Transaction Function”

Notice of Amendment to the "Terms and Conditions"

Dear Valued Customers,

Our Bank’s Terms and Conditions are recently revised and updated for compliance with the disclosure, reporting and withholding requirements under Foreign Account Tax Compliance Act (FATCA) applied to financial institutions inMacau.  Please refer to the “Notice(s) of Amendment” for “Master Terms and Conditions – Banking Services”, “Master Terms and Conditions – Investment Products”, “Credit Card Cardholder Agreement”, and “UnionPay Dual Currency Credit Card Cardholder Agreement (With Electronic Cash)” for your perusal.

Should you have any question on the changes or their impact to your account(s) or services, please contact your relationship manager.

Industrial and Commercial Bank ofChina(Macau) Limited

June 2014