CCB (Asia) AIA MasterCard Platinum Card Application Form

Transcription

1 CCB (Asia) AIA MasterCard Platinum Card Application Form Please return this application form when completed and signed to China Construction Bank (Asia) Corporation Limited, G.P.O. Box 165 Central, Hong Kong, or fax it to Credit Card and Welcome Gifts I would like to apply for AIA MasterCard Platinum Card (702) and select below welcome gift marked with a "P" : PSP1 (702) 16TCC / TOF16TAG / PSN1 Note: (i) If the choice of the gift is not indicated or more than one gifts are selected, "HKD250 Cash Rebate" will be assigned. (ii) Cash Out Interest-Free Installment Plan is not applicable to applicant apply card by asset proof. (iii) Please refer to the "Terms and Conditions of the Welcome Gift". (iv) New Cardmember must at any time in the 6 months ending on the date of application did not hold any principal CCB (Asia) Credit Cards issued by China Construction Bank (Asia) Corporation Limited ("Bank"). i. Applicants of AIA MasterCard Platinum Card must be permanent residents of Hong Kong and aged 18 or above with minimum annual income of no less than HKD150,000. ii. If the annual income of applicant is less than HKD150,000, the Bank reserves the right to issue any card as it may, at its sole and absolute discretion (a minimum annual income of no less than HKD55,000 is required for credit card application). Mr Ms Chinese name HK Permanent ID Card no. Date of birth Marital status (N) Personal Data English name as printed on HK Permanent ID Card (Surname first) Education level (N) Primary Secondary Vocational institute University or above Residential phone no. address (Required field) Years there Type of residence (N) (Please mark the appropriate box) Occupation Place of Birth Residential address (Please complete in English block letters) P.O. Box will not be accepted Flat / Room Floor Block Bldg. / Estate No. and name of street Name of employer (Please complete in English block letters) Office Address (Please complete in English block letters) P.O. Box will not be accepted No. and name of street District Office phone no. Years of service Monthly basic income HKD M / D / Y Nature of business Years at previous residential address Position Years of service at previous job HK KLN NT District (Please enclose permanent address proof and state on the document if the permanent address is different from the above residential address) Flat / Room Floor Block Bldg. Former name/other name (If any - please provide proof of former name/other name) Single Married Divorced Widowed Mobile phone no. Number of children Live with parents Quarters Mortgage / Rent per month Public housing AIA Vitality Annual Membership Fee Rebate (Value at HK$300) HKD250 Cash Rebate Up to HKD60,000 Cash Out Interest-Free Installment Plan Rented Nationality Owned by applicant Mortgaged HKD HK KLN NT Monthly commission / Overtime allowance income HKD Self-employed Yes No If self-employed, your years of service in current profession Combined Credit Limit (Applicable to existing cardmembers) The credit limit of CCB (Asia) VISA/MasterCard Credit Card is a combined credit limit, which will be shared among all personal VISA and/or MasterCard Credit Card account(s) 1 of each cardmember. If you are an existing CCB (Asia) VISA/MasterCard Credit Card cardmember and have submitted recent income proof, the Bank will review and may increase your combined credit limit. Remarks: 1. The combined credit limit is not applicable to Corporate Credit Cards and CCB (Asia) UnionPay Dual Currency Credit Cards. Other Instructions Billing address: Residential Office ATM screen instruction and SMS alert language (if any): Chinese English Direct mailing language: Chinese English If there is no indication of address / language preference, your residential address / Chinese language will be assigned by default. The Bank may at its sole discretion permit credit card transaction(s) to be effected in excess of the relevant credit limit(s) and you shall be liable for such transaction(s) and the related fees and charges (including the HKD180 Overlimit Fee). If you do not wish the Bank to permit transaction(s) made by the credit card under this application to be effected in excess of the relevant credit limit, please tick "P" this box. Such choice will also replace your existing overlimit arrangement of the VISA/MasterCard combined credit limit (if applicable). Please note: Even if you have requested for the related arrangement, credit card transaction amount can still exceed credit limit under certain circumstances (such as Octopus Automatic Add Value Service, purchase of movie tickets which do not require authorization for effecting payment) and you shall be liable for such transaction and Overlimit Fee. AIA Hong Kong Policyholder / Referral by AIA Hong Kong Financial Planner Yes, I am an AIA Hong Kong policyholder. I have been referred by the following AIA Hong Kong Financial Planner to apply for the Card and have enclosed copies of the following required document(s). Financial Planner Code: Name: Note: AIA International Limited (Incorporated in Bermuda with limited liability) (referred to as "AIA Hong Kong") Reminder of Required Documents Please attach copies of the following documents to facilitate our processing. Documents submitted and this application form will not be returned. HK Permanent Identity Card of card applicant (If you are not a permanent resident of HK, copies of HK Identity Card and a valid passport of your origin or visa are required.) Current residential proof dated within the latest 3 months, e.g. electricity bill, rates demand note, bank statement and any one of the following documents: i) Latest Income Tax/Profits Tax Demand Note (within 1 year from the date of issuance); or ii) Latest 1 month's (latest 6 months' - if your main stream of income is on commission or overtime allowance basis) salary slip(s) showing your name; or iii) Latest 1 month's Mandatory Provident Fund statement showing your name; or iv) Latest 3 months' bank statement/bank passbook showing your name, account number and salary; or v) Latest Profits Tax Demand Note & Company and Personal bank passbook of the latest 6 months, if you are a sole proprietor of, or a partner in, a business. The Bank may require the applicant to provide additional documents for approval. Declaration and Signature I do not wish the Bank to make use of my personal data for its own direct marketing (excluding credit card products). I do not wish the Bank to make use of my personal data for its own direct marketing on credit card products. (I understand that if I choose this option, I will NOT receive any Credit Card promotional information sent by the Bank, including but not limited to concerts exclusive priority bookings, merchants promotion and other spending promotion programs.) Please mark a "P" as appropriate I understand that the above choice (replaces previous one, if any) applies to the direct marketing of the classes of products, services and/or subjects, kinds of personal data may be used and classes of persons to which my personal data may be provided in direct marketing as set out in the Bank's "Notice to Customers relating to the Personal Data (Privacy) Ordinance". I understand that it takes time to update the above choice. By signing this application below, I confirm and acknowledge that: (1) I have read, understand and agree to be bound by: (i) the terms and conditions in this application and the CCB (Asia) Cardmembers Agreement (key provisions of which are summarized overleaf); and (ii) the "Notice to Customers relating to the Personal Data (Privacy) Ordinance", set out overleaf; (2) no loan/credit card under my name has been cancelled due to a default in payment and: (i) I currently have no overdue payment(s) exceeding 30 days in respect of any loan indebtedness; and (ii) no bankruptcy order has ever been made against me and I am not petitioning or planning to petition for bankruptcy; and (3) all information provided in this application is correct and complete, and I authorize you to confirm or verify this information and my credit record in any way you choose. (4) I understand and consent that the abovenamed AIA Hong Kong Financial Planner may receive incentive benefits for referring this credit card application. (5) My application herein is referred by the above named AIA Hong Kong Financial Planner. I hereby authorize the said Financial Planner to make follow up enquiries on this application by any means (and China Construction Bank (Asia) Corporation Limited to disclose the relevant information to such Financial Planner), and to transfer any relevant documents to China Construction Bank (Asia) Corporation Limited under my instruction for the purpose of this application. Signature of card applicant Relationship with our Bank Are/were you (1) (within the past 12 months) a director/a substantial shareholder/chief executive/employee of any member of China Construction Bank Group ("CCB Group") or relative* of or trustee for any such director(s)/substantial shareholder/chief executive/employee? or (2) Are/will you become in any way connected with: (i) a director of CCB Group or of any of its subsidiaries and/or associated companies; or (ii) an entity controlling 10% or more of the shares of CCB Group or of any of its subsidiaries and/or associated companies or any director of such entity; or (iii) an indirect controller of CCB Group or of any of its subsidiaries and/or associated companies or any director of such indirect controller? * Note: relative is defined in Section 79(1) of the Banking Ordinance (Cap. 155 of the laws of Hong Kong). Yes. (Please state the name in both Chinese and English of the relevant person or company/entity) Relationship with that related person or company/entity No. I confirm that, as at the date of this application, I am not related to CCB Group or your Bank as mentioned in paragraphs (1) and (2) above. If I am so related after the date of this application, I shall notify you in writing at once. Date For Office Use Only DV DE QC PV TOF16TAG / PSP1 2016/06 (Acorn)

2 General Provisions of the CCB (Asia) Credit Card 1. This application (and all decisions, disputes or other related matters) will be subject to the final decision of China Construction Bank (Asia) Corporation Limited ("Bank", "you" or "your"). 2. If I am issued a CCB (Asia) Credit Card ("Card"), I agree its use will be governed by the CCB (Asia) Credit Card Cardmember Agreement and Fee Schedule (and the terms and conditions of any relevant Card programs and offers in which I may participate). Copies will be provided with the Card and are available at your website or upon request by telephoning your Hotline at I understand you wish to ensure I fully understand how the Card works and that I will enjoy using it. If I have questions, I can call the above Hotline. Key provisions of the CCB (Asia) Credit Card Cardmember Agreement ("Cardmember Agreement") include: a. The finance charge for retail purchases is 2.5% per month (34.49% per annum) and for cash advances is 2.5% per month (36.33% per annum). An additional charge applies if the required minimum payment is not settled within 44 or 54 days past the statement date. For details, please refer to the CCB (Asia) Credit Card Cardmember Agreement and Fee Schedule. b. Card and PIN security - I must: - sign the Card immediately upon receipt; - keep the Card safe; - keep confidential any personal identification number(s) or password(s) of use with the Card; and - be liable for all losses reasonably sustained or incurred by you as a result of my failure or delay in doing the above. c. I shall be liable for all losses you suffer if I have acted fraudulently or with gross negligence. d. I shall be liable for all unauthorized transactions made through the Card, except that if I have acted in good faith, exercised reasonable care and diligence and reported the loss/theft of the Card to you and to local police, my maximum liability for the said unauthorized transactions made before my report to you (not including cash transactions) shall not exceed HKD500. e. My Card account statement is conclusive, unless I report in writing any unauthorized transaction within 60 days. f. I shall pay all costs and expenses reasonably incurred in recovering any debt owed by me to the Bank. g. You may demand immediate repayment of the outstanding Card account balance at any time. h. Principal and supplementary card debts - The principal cardmember is liable for both (i) his/her own debts and (ii) debts of each/all supplementary cardmember(s), as shown on the Card accounts. Each supplementary cardmember is only liable for his/her own debts, shown on the supplementary Card accounts. i. If I do not accept a future change proposed to the Cardmember Agreement, I may terminate my Card (by cutting it in half and returning it to the Bank (by post). Continued Card maintenance / use will signify my acceptance of such changes. 4. In case of discrepancy between the English and Chinese versions of this application form, the English version shall prevail. China Construction Bank (Asia) Corporation Limited (the "Bank") Notice to Customers (the "Notice") relating to the Personal Data (Privacy) Ordinance (the "Ordinance") (A) From time to time, it is necessary for customers to supply the Bank with data in connection with the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of banking services. (B) Failure to supply such data may result in the Bank being unable to open or continue accounts or establish or continue banking facilities or provide banking services. (C) It is also the case that data are collected from customers in the ordinary course of the continuation of the banking relationship, for example, when customers write cheques or deposit money. (D) The purposes for which data relating to a customer may be used (whether within or outside the Hong Kong Special Administrative Region ("Hong Kong") are as follows: (i) processing of applications for banking and/or other financial services and facilities; (ii) the daily operation of the services and credit facilities provided to customers; (iii) conducting credit checks at the time of application for credit and at the time of regular or special reviews which normally will take place one or more times each year; (iv) creating and maintaining the Bank's credit scoring models; (v) assisting other financial institutions to conduct credit checks and collect debts; (vi) ensuring ongoing credit worthiness of customers; (vii) conducting customer surveys and/or designing financial services or related products for customers' use; (viii) marketing services, products and other subjects (please see further details in paragraph (H) below); (ix) determining amounts owed to or by customers; (x) enforcing the Bank's rights, including without limitation, collection of amounts outstanding from customers and those providing security for customers' obligations; (xi) complying with the obligations, requirements or arrangements for disclosing and using data that apply to the Bank or any of its branches or that it is expected to comply according to: (1) any law binding or applying to it within or outside the Hong Kong Special Administrative Region existing currently and in the future; (2) any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside the Hong Kong Special Administrative Region existing currently and in the future; (3) any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on the Bank or any of its branches by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry bodies or associations; (xii) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the group of the Bank and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; (xiii) enabling an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank's rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; (xiv) updating, comparing and/or verifying any and all of customers' personal information that may be held by any affiliates, group companies or agents of the Bank; (xv) exchanging information with any financial institution, credit card acquirer and merchants accepting credit cards and entities with whom the Bank provide affinity/co-brand/private label credit/debit/charge card services; and (xvi) purposes relating thereto. (E) Data held by the Bank relating to a customer will be kept confidential but the Bank may provide such information to the following parties (whether within or outside Hong Kong) for the purposes set out in paragraph (D) above: (i) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Bank in connection with the operation of its business; (ii) any other person under a duty of confidentiality to the Bank including a group company of the Bank which has undertaken to keep such information confidential; (iii) the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer; (iv) credit reference agencies, and, in the event of default, to debt collection agencies; (v) any person to whom the Bank or any of its branches is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to the Bank or any of its branches, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which the Bank or any of its branches are expected to comply, or any disclosure pursuant to any contractual or other commitment of the Bank or any of its branches with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside the Hong Kong Special Administrative Region and may be existing currently and in the future; (vi) any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank's rights in respect of the customer; and (vii) any party giving or proposing to give a guarantee or third party security to guarantee or secure the customer's obligations: and (viii) (1) the Bank's group companies; (2) third party financial institutions, insurers, credit card companies, securities and investment services providers; (3) third party reward, loyalty, co-branding and privileges programme providers; (4) co-branding partners of the Bank and the Bank's group companies (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); (5) charitable or non-profit making organisations; and (6) external service providers (including but not limited to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, data processing companies and information technology companies) that the Bank engages for the purposes set out in paragraph (D)(vii) and/or (D)(viii) above; and (7) any credit card acquirer of a merchant accepting the credit card. Such information may be processed, kept or transferred to a place outside Hong Kong, including without limitation, to the People's Republic of China. TOF16TAG / PSP1 2016/06 (Acorn)

3 (F) The Bank takes all reasonably practicable means to protect the data, such as, by restricting the access of data by authorized personnel only and incorporating security measures into equipment in which data is held. Encryption technology is employed for sensitive data transmission. If the Bank engages data processors to handle or process personal data on the Bank s behalf (whether within or outside Hong Kong), the Bank would adopt contractual or other means to prevent any unauthorized or accidental access, processing, erasure, loss or use of the transferred data by the data processors. (G) With respect to data in connection with mortgages applied by a customer (whether as a borrower, mortgagor or guarantor and whether in the customer's sole name or in joint names with others) on or after 1 April 2011, the following data relating to the customer (including any updated data of any of the following data from time to time) may be provided by the Bank, on its own behalf and/or as agent, to a credit reference agency: (i) full name; (ii) capacity in respect of each mortgage (as borrower, mortgagor or guarantor, and whether in the customer's sole name or in joint names with others); (iii) Hong Kong Identity Card Number or travel document number; (iv) date of birth; (v) correspondence address; (vi) mortgage account number in respect of each mortgage; (vii) type of the facility in respect of each mortgage; (viii) mortgage account status in respect of each mortgage (e.g., active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and (ix) if any, mortgage account closed date in respect of each mortgage. The credit reference agency will use the above data supplied by the Bank for the purposes of compiling a count of the number of mortgages from time to time held by the customer with credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively and whether in the customer's sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Ordinance). (H) USE OF DATA IN DIRECT MARKETING The Bank intends to use a customer's data in direct marketing and the Bank requires the customer's consent (which includes an indication of no objection) for that purpose. In this connection, please note that: (i) the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a customer held by the Bank from time to time may be used by the Bank in direct marketing; (ii) the following classes of services, products and subjects may be marketed: (1) financial, insurance, credit card, banking and related services and products; (2) reward, loyalty or privileges programmes and related services and products; (3) services and products offered by the Bank's co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and (4) donations and contributions for charitable and/or non-profit making purposes; (iii) the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Bank and/or: (1) the Bank's group companies; (2) third party financial institutions, insurers, credit card companies, securities and investment services providers; (3) third party reward, loyalty, co-branding or privileges programme providers; (4) co-branding partners of the Bank and the Bank's group companies (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and (5) charitable or non-profit making organisations; (iv) in addition to marketing the above services, products and subjects itself, the Bank also intends to provide the data described in paragraph (H)(i) above to all or any of the persons described in paragraph (H)(iii) above for use by them in marketing those services, products and subjects, and the Bank requires the customer's written consent (which includes an indication of no objection) for that purpose; (v) The Bank may receive money or other property in return for providing the data to the other persons in paragraph (H)(iv) above and, when requesting the customer's consent or no objection as described in paragraph (H)(iv) above, the Bank will inform the customer if it will receive any money or other property in return for providing the data to the other persons. If a customer does not wish the Bank to use or provide to other persons his data for use in direct marketing as described above, the customer may exercise his opt-out right by notifying the Bank without charge. (I) Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data, any customer has the right: (i) to check whether the Bank holds data about him and of access to such data; (ii) to require the Bank to correct any data relating to him which is inaccurate; (iii) to ascertain the Bank's policies and practices in relation to data and to be informed of the kind of personal data held by the Bank; (iv) to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency; and (v) in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by the Bank to a credit reference agency, to instruct the Bank, upon termination of the account by full repayment, to make a request to the credit reference agency to delete such account data from its database, as long as the instruction is given within five years of termination and at no time was there any default of payment in relation to the account, lasting in excess of 60 days within five years immediately before account termination. Account repayment data include amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by the Bank to a credit reference agency), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of 60 days (if any)). (J) In the event of any default of payment relating to an account, unless the amount in default is fully repaid or written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, the account repayment data (as defined in paragraph (I)(v) above) may be retained by the credit reference agency until the expiry of five years from the date of final settlement of the amount in default. (K) In the event any amount in an account is written-off due to a bankruptcy order being made against a customer, the account repayment data (as defined in paragraph (I)(v) above) may be retained by the credit reference agency, regardless of whether the account repayment data reveal any default of payment lasting in excess of 60 days, until the expiry of five years from the date of final settlement of the amount in default or the expiry of five years from the date of discharge from a bankruptcy as notified by the customer with evidence to the credit reference agency, whichever is earlier. (L) The Bank may access the database of any credit reference agency for the purpose of conducting credit reviews from time to time. In particular, the Bank may access the consumer credit data (except mortgage count) of customers held by any credit reference agency and/or obtain credit reports on customers from such credit reference agency for the purpose of the review of their existing consumer credit facilities (including, without limitation, credit card accounts and/or credit limits) which review may involve the consideration by the Bank of any of the following matters: (i) an increase in the credit amount or limit; (ii) the curtailing of credit (including the cancellation of credit or termination of account or a decrease in the credit amount or limit); or (iii) the putting in place or the implementation of a scheme of arrangement with customers. (M) In accordance with the terms of the Ordinance, the Bank has the right to charge a reasonable fee for the processing of any data access request. (N) The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed is as follows: - The Data Protection Officer China Construction Bank (Asia) Corporation Limited CCB Centre 18 Wang Chiu Road Kowloon Bay Kowloon Fax: (O) The Bank may have obtained a credit report on the customer from a credit reference agency in considering any application for credit. In the event the customer wishes to access the credit report, the Bank will advise the contact details of the relevant credit reference agency. (P) Nothing in this Notice shall limit the rights of customers under the Personal Data (Privacy) Ordinance. (Q) In case of discrepancies between the English and Chinese versions of this Notice, the English version shall apply and prevail. Version Date: March 2015 TOF16TAG / PSP1 2016/06 (Acorn)

4 Terms and Conditions of the Welcome Gifts 1. THE PROGRAM This Program is only available for successful applicants for principal card of CCB (Asia) AIA MasterCard Platinum Card ("Card(s)") issued by China Construction Bank (Asia) Corporation Limited ("Bank", "we", "us" or "our") with applications made from now till Jun 30, 2017 (both dates inclusive) or within such extended or shortened period as we deem appropriate ("Promotion Period"), who at any time in the 6 months ending on the date of application did not hold any principal CCB (Asia) Credit Cards issued by the Bank. 2. ELIGIBILITY A successful applicant ("Cardmembers", "you" or "your") who accumulates the required spending (listed below) on the new Card within the first 3 monthly statement periods from Card issuance will be entitled to a welcome gift ("Welcome Gift(s)") as follows: Spending Requirement Welcome Gifts (Total amount in the first 3 monthly statements) AIA Vitality Annual Membership Fee Rebate Minimum HKD3,500 Value at HK$300 ("Annual Fee Rebate") ; or HKD250 Cash Rebate ("Cash Rebate") ; or Minimum HKD3,000 Up to HKD60,000 Cash Out Interest-Free No spending requirement Installment Plan ("Free Cash Out") 3. ELIGIBLE SPENDING Only posted transactions are counted into the above Spending Requirement. For the avoidance of doubt, all handling/administration fees, finance charges, late charges and reversed transactions will not be counted for this purpose. All transactions in RMB or foreign currencies shall be converted to HKD using the prevailing exchange rate adopted by Credit Card of the Bank on the date of conversion in order to count the Spending Requirement. 4. APPROVAL Your eligibility for the Welcome Gift shall be subject to our final decision (at our discretion), for which we are not obliged to provide any reason. 5. AIA VITALITY ANNUAL MEMBERSHIP FEE REBATE A one-off Annual Fee Rebate will be credited to your credit card account within 1 week once you have fulfilled the Spending Requirements of Credit Card. Cash Rebate cannot be converted into cash, and/or withdrawn as cash advance and is not transferable 6. CASH REBATE A one-off Cash Rebate will be credited to your credit card account within 1 week once you have fulfilled the Spending Requirements of Credit Card. Cash Rebate cannot be converted into cash, and/ or withdrawn as cash advance and is not transferable. 7. FREE CASH OUT (Not applicable to applicant apply card by asset proof) If your selected Welcome Gift is the Free Cash Out, the maximum loan amount will be HKD60,000. The loan amount must be in multiples of HKD1,000, with a minimum drawdown amount of HKD3,000. Such loan shall be repaid through 6 equal monthly installments as shown in the monthly statements, otherwise our usual finance charge will apply. If you cancel your Card within the first 6 months, the outstanding sum of the loan will be immediately due and payable. We shall have the final decision in the approval of loan amount. If your loan application is rejected by us, your Welcome Gift option will be assigned as Cash Rebate. Please refer to enclosed Terms and Condition of FREE CASH OUT for details. 8. RESTRICTIONS If you cancel your Card within 12 months from the date of Card issuance, we may charge you an administration fee of an amount equivalent to the cost of the Welcome Gift given to you from your Card Account without prior notice. No change of the Welcome Gift will be accepted. 9. ENGLISH VERSION PREVAILS In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail. Terms and Conditions for "Free Cash Out Installment Program" ("Program") 1. THE PROGRAM This Program is only available for valid Credit Cards (except for Corporate Credit Card)("Card") issued by China Construction Bank (Asia) Corporation Limited ("the Bank", "we", "us" or "our") and is only available to principal cardmembers of the Cards ("You", "Cardmember(s)"). 2. PROGRAM APPLICATION All applications under the Program must be received by the Program end date as stated in this application form. You agree to be bound by the terms and conditions of this Program upon your application and approval by us thereof, irrespective of whether or not you have collected, deposited or otherwise utilized the check issued for this Program. 3. CASH OUT AMOUNT The minimum amount drawn under the Program ("Cash Out Amount") shall be HKD3,000, and any Cash Out Amount beyond such must be in multiples of HKD1,000. The maximum Cash Out Amount shall be HK$60,000 or the available credit limit (whichever is lower) of the Card account ("Account"). We will hold the credit limit of the Account with an amount equal to the Cash Out Amount upon approval and the credit limit will be restored in accordance to the repayment you make. 4. APPROVAL NOTIFICATION i. If your application under the Program is approved, you will be notified by letter. We need a minimum of 5 working days upon card activation for processing your application. The Cash Out Amount shall be drawn down in one lump sum, and will be disbursed by check via mail to your correspondence address at your own risk, or in other manner as we may determine; and ii. Please contact us at our hotline if you do not hear from us within a month from the date of your card activation. 5. REPAYMENT The total Cash Out amount will be repaid over a total period of 6 months ("Repayment Period"). The monthly installment amount will be billed to the Account on a monthly basis, with the first Repayment Amount billed to the Account on the issuance date of approval notice and shall be repaid through 6 equal monthly installments as shown in the monthly statements. Repayment Amount will not be eligible for earning any bonus points of the Card. If you fail to pay the Repayment Amount specified in the monthly statement of your credit card account in full on or before the payment due date of each month, any Repayment Amount due but unpaid will be subject to a finance charge at an interest rate specified in CCB (Asia) Credit Card Fee Schedule. The available credit limit will be proportionally restored according to the Repayment Amount paid to the Bank. 6. FINAL APPROVAL IS CONDITIONAL Please note that the final approval is subject to our being satisfied with an updated status checking, including your other financial facilities with us remaining in good standing at all times. We shall have all rights in approving or rejecting any application under the Program, deciding any Cash Out Amount, monthly repayment installment amount, and the deadline for submitting any application under the Program at our sole and absolute discretion without having to provide a reason for any decision. Cardmember will be notified by us the event that the application is declined. The Program is non-transferable. 7. NO CHANGE BY CARDMEMBER Cardmember may not change or withdraw any application under the Program once it is received for processing. No early repayment of any amount under the Program will be allowed. 8. TERMINATION FEE You understand and agree that the Bank reserves the right to review, modify, suspend, cancel, terminate and/or withdraw the Program and demand immediate repayment of the entire outstanding balance, all accrued interest (if applicable) and all other charges payable under the Program without prior notice to you. In any event the Program will be subject to the Bank's terms and conditions as prescribed by the Bank, in its absolute discretion, from time to time. If we terminate an Account (for whatever reason in accordance with the Cardmember Agreement), or terminate or withdraw the Program, or either the Cardmember requests or we require early repayment of the Cash Out Amount, we may charge you an administration fee of an amount equivalent to the cost of the Welcome Gift given to you from your Card Account without prior notice. All outstanding amounts payable under the Program shall in such case be immediately due and payable and we may charge these and any other amounts due to the Account. 9. PROGRAM VARIATION BY THE BANK 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. 10. FINAL DECISION We retain the final decision in all matters and disputes in relation to the Program, and shall not be responsible or liable for any claims or liability in relation to use of or availability of the Program howsoever suffered or incurred by any Cardmember. 11. APPLICABILITY All terms and conditions of the CCB (Asia) Credit Card Cardmember Agreement and CCB (Asia) UnionPay Dual Currency Credit Card Cardmember Agreement (collectively as "Cardmember Agreement") together with the CCB (Asia) Credit Card Fee Schedule ("Credit Card Fee Schedule") shall respectively apply accordingly and shall prevail if there is any conflict or inconsistency with these Terms and Conditions of the Program. In particular, every Repayment Amount shall be charged to the Account and shown in the Statement of Account and be payable by the Cardmember in accordance with the Cardmember Agreement. 12. ENGLISH VERSION PREVAILS In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail. Key Facts Statement (KFS) for Installment Loan China Construction Bank (Asia) Corporation Limited CCB (Asia) Credit Card "Free Cash Out Installment Program" June 14, 2016 This product is an installment loan. This KFS provides you with indicative information about interest, fees and charges of this product but please refer to our offer letter for the final terms of your installment loan. Interest Rates and Interest Charges Annualized For Cash Out Amount^ of HKD 60,000: Percentage Rate Loan Tenor 6-month 12-month 24-month (APR) APR N/A N/A N/A * The maximum Cash Out Amount is HKD60,000 and the APR for all Cash Out Amount under this program is 0.00%. Our APR is calculated according to the standard of Hong Kong Association of Banks, and is rounded to the nearest two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Annualized If you fail to pay the repayment amount specified in the monthly Overdue / statement of your credit card account in full on or before the Default Interest Rate payment due date of each month, any repayment amount due but not paid will be subject to a finance charge at an interest rate specified in CCB (Asia) Credit Card Fee Schedule. Fees and Charges Handling Fee Not Applicable Late Payment If you fail to pay the minimum payment specified in the monthly Fee and Charge statement of your credit card account in full on or before the payment due date of each month, a late payment fee will be charged on your credit card account. Please refer to the CCB (Asia) Credit Card Fee Schedule. Prepayment / We may charge you an administration fee of an amount equivalent to the cost of the Welcome Gift given to you from your Card Account without prior notice in the event of early full Early Settlement / repayment or cancellation/termination of this program or your Redemption Fee credit card. You should also repay all outstanding of this program (including all unpaid Cash Out Amount, fees and charges (if applicable) of this program). Returned Cheque Charge / Rejected Not Applicable Autopay Charge Additional Information ^ The withdrawal amount under this Program ("Cash Out Amount") is subject to a minimum of HKD3,000 and a maxmium of HK$60,000, and any Cash Out Amount in between must be in multiple of HKD1,000. All terms and conditions of the CCB (Asia) Credit Card Cardmember Agreement and CCB (Asia) UnionPay Dual Currency Credit Card Cardmember Agreement together with the CCB (Asia) Credit Card Fee Schedule shall respectively apply accordingly. TOF16TAG / PSP1 2016/06 (Acorn)

5 CCB (ASIA) CREDIT CARD FEE SCHEDULE FINANCE CHARGES Annualized Percentage Rate (APR) for Retail Purchase APR for Cash Advance Delinquent APR For Retail Purchase Delinquent APR For Cash Advance Interest Free Period Minimum Payment FEES Cash Advance Fee Fee relating to Settling Foreign Currency Transaction in Hong Kong Dollars (Effective Date : July 1, 2015) 34.49%* (monthly rate at 2.5%) when you open your account and it will be reviewed from time to time. We will not charge you interest if you pay your balance in full by the due date each month. Otherwise, interest will be charged on (i) the unpaid balance (shown in the previous statement of account) from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full %* (monthly rate at 2.5%) when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full %* (monthly rate at 2.75%) and 42.58%* (monthly rate at 3%) it may be applied to your account if you fail to settle the minimum payment by 44 days or 54 days respectively in full from the date of the statement date %* (monthly rate at 2.75%) and 44.76%* (monthly rate at 3%) it may be applied to your account if you fail to settle the minimum payment by 44 days or 54 days respectively in full from the date of the statement date. A notice will be sent to you 30 days in advance if the Delinquent APR is to be in force. Up to 55 days All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (the minimum amount of Minimum Payment is HKD200/RMB200 # ) Annual Membership Fee (per card) Principal Supplementary - Classic/Standard HKD240 HKD120 - Gold HKD480 HKD240 - Platinum HKD1,500 HKD750 - Infinite HKD3,800 HKD1,900 The Annual Membership Fee waiver to cardmembers and the relevant terms and conditions (if any) continues to apply. Fees Relating to Foreign Currency Transactions (Only applicable to VISA or MasterCard Credit Card) 3.5% of the cash advance amount per transaction (minimum HKD100/RMB100 # ) 1.95% of every transaction effected in a currency other than Hong Kong dollar. Including the following: (i) Overseas Transactions Fee 0.95% of every transaction effected in a currency other than Hong Kong Dollars; And (ii) Foreign Currency Conversion Fee 1% reimbursement charge imposed by VISA and MasterCard on the issuer of the Card. Customers may sometimes be offered the option to settle foreign currency transactions in Hong Kong dollars at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the card issuer. In such cases, customers are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are entered into * FEES Fee relating to Settling Foreign Currency Transaction in Hong Kong Dollars Late Payment Fee Overlimit Fee Card Replacement Fee Sales Draft Retrieval Fee Statement Retrieval Fee Foreign Currency Check Processing Fee Credit Balance Refund Handling Fee Credit Card Repayment Service Fee at Designated Payment Affiliates Other Fees and Charges Credit Reference Letter Handling Fee since settling foreign currency transactions in Hong Kong dollars may involve a cost higher than the foreign currency transaction handling fee. Only applicable to VISA or MasterCard Credit Card: Cross-border Transactions in Hong Kong Currency Handling Fee - 0.8% (for VISA Credit Card) or 1% (for MasterCard Credit Card) of every transaction (reimbursement charge imposed by VISA and MasterCard on Issuer of the Card), if (i) such transaction is made outside Hong Kong or with any merchant not registered in Hong Kong; and (ii) the transaction amount of which has been simultaneously converted into Hong Kong currency by the merchant. 5% of Minimum Payment due, subject to the minimum charge and the maximum charge listed below: Minimum Charge HKD200/RMB200 # or equivalent to the Minimum Payment amount (whichever is lower) Maximum Charge HKD250/RMB250 # HKD180 per statement of account HKD100 per replacement card HKD40 per sales draft copy A copy of the most recent statement of account is free of charge, otherwise, HKD40 per copy HKD100 per check HKD75 per withdrawal HKD20 per payment transaction (including each cash payment and each check payment, the Designated Payment Affiliates include branches of China Construction Bank (Asia)) Fees and charges as specified by China Construction Bank (Asia) Corporation Limited from time to time (including, without limitation, (1) fees and charges relating to the processing of cash payments that may be imposed by China Construction Bank (Asia) Corporation Limited at its option and/or imposed by other banks as the case may be; (2) fees and charges specified by China Construction Bank (Asia) Corporation Limited in any application forms, product feature leaflet or relevant marketing or promotional materials in relation to the Card; and (3) any handling/service fee as specified by relevant credit card associations and/or merchants) HKD200 per letter The above annualized percentage rates are calculated according to the standard of Hong Kong Association of Banks and are rounded up/down to the nearest two decimal places. With respect to cash advances, the annualized percentage rate is arrived at by reference to the amount of the cash advance as well as to any related cash advance fees. # Billing amount in RMB is applicable to CCB (Asia) UnionPay Dual Currency Credit Card RMB account only. China Construction Bank (Asia) Corporation Limited ("CCB (Asia)") reserves the right at its sole discretion and from time to time to amend the above fees and charges. Any such amendment will be notified Cardmembers and will be effective in accordance with terms and conditions of the CCB (Asia) Credit Card Cardmember Agreement. In case of discrepancies between the English and Chinese versions of this notice, the English version shall apply and prevail. VMFS2015/05 (Acorn)

6 CCB (ASIA) CREDIT CARD CARDMEMBER AGREEMENT IMPORTANT! PLEASE READ CAREFULLY AND MAKE SURE THAT YOU THOROUGHLY UNDERSTAND THE TERMS AND CONDITIONS SET OUT BELOW. IF AT ANY TIME YOU DO NOT ACCEPT ANY OF THEM, PLEASE CUT THE CARD IN HALF AND NOTIFY CHINA CONSTRUCTION BANK (ASIA) CORPORATION LIMITED. THIS DOCUMENT, TOGETHER WITH THE FEE SCHEUDLE, COMPRISE THE CARDMEMBER AGREEMENT ( AGREEMENT ). YOUR USE OF THE CARD (INCLUDING ACTIVATION OR SIMPLY MAINTAINING THE CARD ACCOUNT) WILL CONSTITUTE ACCEPTANCE OF THIS AGREEMENT. 1. DEFINITIONS In this Agreement, the following words have the corresponding meanings: CCB (Asia) means China Construction Bank (Asia) Corporation Limited, a licence bank. Card means any credit card (including any replacement and subsequently renewed credit card) issued by CCB (Asia), whether it be VISA or MasterCard (whether categorized as classic/standard, gold, titanium, platinum or infinite). Where the context permits or requires, a Card includes a supplementary card. Cardmember means the person to whom the Card is issued and, where the context permits or requires, includes the Supplementary Cardmember(s). Card Account means the account with CCB (Asia) in respect of the Card. Fee Schedule means the CCB (Asia) Credit Card Fee Schedule (as amended or modified from time to time), a copy of which is available by calling the CCB (Asia) Credit Card 24-hour Customer Service Hotline at or from our website Fees and Charges means the fees and charges set out in the Fee Schedule. Hong Kong means the Hong Kong Special Administrative Region of the People s Republic of China. I, me, my and myself means the Cardmember. MasterCard means MasterCard International (and any successor or assign). My System means the equipment and software contained on it used by me to access the Web Service. Password means the identification made available to or selected by me and used (together with the Username) to access the Web Service. Personal Data means the personal data relating to me. PIN means the personal identification number(s) assigned by CCB (Asia) to me for the purpose of identifying me for certain transactions made through the use of the Card. Statement of Account means the monthly or other statement arising from the Card Account sent to me setting out, among other things, the charges and other financial liabilities owed as at that date by me. Supplementary Cardmember means any person nominated by the Cardmember and to whom a supplementary card is issued. Username means the user identification made available to or selected by me and used (together with the Password) to access the Web Service. VISA means Visa International Service Association (and any successor or assign). Web Service means the Card related services available from CCB (Asia) s web site. 2. USE OF THE CARD 2.1 The Card - I shall sign and activate the Card upon its receipt and keep the Card in a safe place. I shall be liable for all losses as a result of any failure or delay in so doing. The Card remains the property of CCB (Asia) at all times and shall be returned to CCB (Asia) upon request. 2.2 PIN - I shall handle with due care any PIN or Password for use with the Card and keep such PIN and Password (if applicable) confidential. In particular, I agree: (i) to destroy the original printed copy of any PIN or Password; (ii) not to allow anyone else to use the Card, any PIN or Password; (iii) not to write down any PIN or Password on the Card or on anything usually kept with or near the Card; (iv) not to write down or record any PIN or Password without disguising it; (v) that, whenever I choose a PIN or Password, I will not choose a number that is likely to be guessed by a third party (for example, my birthday or the birthday of a Supplementary Cardmember or relative or any part of any of my telephone numbers); and (vi) not to use the PIN or Password for accessing other services (for example, connection to the internet or accessing other websites). I shall be liable for all losses resulting from any failure to choose a PIN or Password, or handle the Card, a PIN or Password, with due care. I agree to accept full responsibility for all consequences, losses and/or liabilities arising or incurred as a result of the PIN or Password being known to another person for whatever reason (other than negligence of CCB (Asia)) and shall indemnify CCB (Asia) for any loss or damage reasonably incurred by it. 2.3 Validity, Expiry And Renewal - The Card shall expire on the last day of the month indicated thereon (unless terminated earlier). I must return the card to CCB (Asia) upon request. The renewal of the Card shall be at CCB (Asia) s discretion. If my Card is not renewed, the whole outstanding Card Account balance becomes due and payable immediately. Any renewal of the Card is subject to my right to cancel the Card by giving CCB (Asia) written notice within thirty (30) days from the date of renewal. 2.4 Acceptance of Cards by Merchants - CCB (Asia) is not liable or responsible if (i) my Card is not accepted or honored by any merchant for any reason whatsoever, and/or (ii) CCB (Asia) refuses to grant credit authorization for any purchase notwithstanding the availability of credit in my favour under my Card Account. Further, I will not hold CCB (Asia) liable or responsible in respect of any product or service purchased through the Card or any benefits given to me or other persons. The existence of any claims or disputes between any merchant and myself shall not relieve my obligation to settle any sum outstanding with CCB (Asia). 2.5 Credit Limit - I will be given a combined credit limit expressed in Hong Kong Dollars, (inclusive of a cash advance limit) which will be the maximum allowable outstanding balance in respect of all my Card Account(s) at any time. Within such combined credit limit, CCB (Asia) may further, if applicable, determine a pre-set credit limit in respect of a Card Account. CCB (Asia) may vary the combined credit limit, the pre-set credit limit and/or the cash advance limit (collectively the Limits ) at its discretion from time to time. For details of the maximum allowable outstanding balance and/or the Limits, I may contact CCB (Asia). My Limits will be shared between me and all of my Supplementary Cardmember(s) (if applicable). I shall strictly observe such Limits. CCB (Asia) reserves the right to decrease the Limits from time to time, without prior notice to or consent from me. CCB (Asia) may at its sole discretion permit transaction to be effected in excess of the Limits and I shall be liable for such transaction and related fees and charges (including the Overlimit Fee) in accordance with the terms of this Agreement. I understand that I may elect to opt-out of the over-the-limit facilities at any time by such means as CCB (Asia) may determine. Notwithstanding the foregoing, I agree that CCB (Asia) still reserves the right to permit transaction to be effected in excess of the Limits under such circumstances as CCB (Asia) may prescribe. 2.6 Use of Card - The Card is issued for my personal use and is not transferable. I shall open and maintain the Card Account to the satisfaction of CCB (Asia). The use of the Card is subject to: (i) the combined credit limit and/or the pre-set credit limit set by CCB (Asia) in connection with the payment for any purchase of goods and/or services, payment for which may be charged to the Card Account; and (ii) the cash advance limit set by CCB (Asia) in connection with cash advances and/or credit facilities subject to any prearrangement required by CCB (Asia). CCB (Asia) is entitled to determine the channel through which I may obtain cash advance by using the Card. I understand and acknowledge that prior activation (in the manner as from time to time indicated) shall be made before overseas cash advance and overseas Automatic Teller Machine (ATM) functions are available. No other person is permitted to use my Card for charges, for identification or for any other purpose. If I let someone else use my Card or relinquish physical possession of my Card, I will remain fully liable to CCB (Asia) for payment for all charges incurred with my Card. The Card shall not be used for payment or settlement of any unlawful transactions under any applicable law. CCB (Asia) reserves the right to decline processing or paying any transaction which CCB (Asia) suspects to be an unlawful transaction under any applicable law. 3. FEES AND CHARGES 3.1 Fees And Charges - I agree the following Fees and Charges, shall be levied on my Card Account. FULLER DETAILS ARE SHOWN IN THE FEE SCHEDULE. I CONFIRM THAT I UNDERSTAND THESE FEES AND CHARGES. Annual Fee - Unless informed otherwise, an annual fee will be chargeable.