Bank of Communications Credit Card Cash Instalment Program Promotional Terms and Conditions: 1. Bank of Communications Credit Card Cash Instalment Program ( Instalment Program ) is applicable to Bank of Communications Credit Cards issued by Bank of Communications (Hong Kong) Limited ( the Bank ) in Hong Kong and the Bank designated principal cardholder in Hong Kong ( Cardholder ), excluding the PC Internet Card, supplementary card and Gift Card cardholder. 2. The Promotion Period is from 29 January 2018 to 31 August 2018 ("the Promotion Period") (Based on the application date). 3. Monthly handling fee and Annualized percentage rates (APR) are applicable to cardholders who successfully apply for Instalment Program in the Promotion Period, details as below. Withdrawal Amount Below HK$30,000 HK$30,000 - HK$49,999 HK$50,000 or above Monthly handling fee 0.35% 0.24% 0.18% The APR is calculated based on withdrawal amount of HK$3,000, HK$30,000 and HK$50,000 respectively which includes handling fee. The APR is calculated according to the guidelines set out in the Code of Banking Practice and will be rounded up to nearest two decimal places. Remarks: The monthly installment will be an integral, all the decimal places will be counted in the final installment. 4. The Bank reserves the right to terminate the above offers or to amend the Terms and Conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final. 5. No person other than the Cardholders and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to enjoy the benefit of any term under these Terms and Conditions. 6. In case of discrepancy between the Chinese and English versions of these terms and conditions, the Chinese version shall prevail. APR 6 Months 12 Months 24 Months 36 Months 7.40% 7.94% 8.16% 8.16% 5.03% 3.76% 5.40% 4.04% 5.57% 4.17% To borrow or not to borrow? Borrow only if you can repay! 5.60% 4.20% If you do not wish to receive any promotional materials and direct marketing from us, please the appropriate box below and provide any one of your account number or HKID No./ Passport No. and return this leaflet to our branch, send it by fax: 2833 6561 or mail to our Data Protection Officer at The Bank of Communications (Hong Kong) Limited, 20 Pedder Street, Central, Hong Kong. This arrangement is free of charge. Credit Card Cash Instalment Program I(Name) (A/C No. or HKID No./ Passport No.(For HK ID Card, please provide the letter(s) plus the first 4 digits): ) do not wish to receive any promotional materials and direct marketing.
Bank of Communications Credit Card Cash Instalment Program Bank of Communications Credit Card now offers you Cash Instalment Program, in which you can convert your available credit limit into instant cash to meet your financial goals! 0% Interest Cash Will Be Credited to Bank Account As Fast As 5 Working Days Simple Repayment by Credit Card Up to 36 Months Repayment Period Monthly Handling Fee As Low As 0.18% of the Withdrawal Amount Withdrawal Amount Monthly Handling Fee* HK$50,000 or Above 0.18% HK$30,000 - HK$49,999 0.24% HK$30,000 or Below 0.35% * For details of APRS, please refer to Terms and Conditions on next page Application Method Application Hotline: 2531 2322 2591 9968 Mail: GPO Box 6085, Hong Kong Login in Internet Banking Application Hotline Services Hours: Monday to Friday 9 a.m. to 9 p.m.; Saturday 9 a.m. to 6 p.m. (Exclude public holidays) If you already submitted the application via Fax, please do not Mail the application to us in order to avoid duplicate application. Cash Instalment Program Application Form Promotion Period:Till 31 August 2018 English Name of The Principal Cardholder: Credit Card Number: Application Amount : (The minimum application amount should be HK$3,000 and the amount applied for should be in the multiple of HK$1,000. Available credit limit would be chosen if not specified.) ( I agree to accept the above application if the approved amount is less than the above application amount applied) Instalment repayment periods: 6 Months 12 Months 24 Months 36 Months (Your repayment period will be treated as 12 months if not specified) Daytime contact number: I authorize Bank of Communications (Hong Kong) Limited (the Bank ) to deposit the approved withdrawal amount into my below designated HKD bank account in Hong Kong (Please choose only 1 bank account). Account in Bank of Communications (Hong Kong) Limited: (Should be the account in the sole name or joint name of cardholder) Account in Other Bank Bank Name: Name of Bank Account: (should be the same as the cardholder name) Account No.: (should be the account in the sole name of Cardholder) Declaration and Signature I hereby declare and confirm that all the information provided above is true and accurate. I agree to accept and be bounded by all the terms and conditions of the Bank of Communications Credit Card Cash Instalment Program, Key Facts Statement (KFS) for Instalment Loan, Notice to Customers relating to the Personal Data (Privacy) Ordinance (the "Ordinance") and related Promotional Terms and Conditions. I agree to authorize the Bank to disclose, verify and/or exchange the said information and/or the documents to or with and/or to obtain other credit information about me from whatever sources may consider. The Bank does not engage any intermediary for referral of customer s instalment program application, I confirm that this instalment program application is not referred by any intermediary and I am not required to pay any referral fee to any intermediary regarding this instalment program application. Signature of Applicant (Should correspond with signature specimen of the credit card) Date APP AMOUNT IP OR FOR BANK USE ONLY APPROVED BY INC AMT (as stated on the credit card)
Key Facts Statement (KFS) for Instalment Loan Bank of Communications (Hong Kong) Limited (the Bank ) Interest Rates and Interest Charges Annualised Percentage Rate (APR) # Annualised Overdue / Default Interest Rate Fees and Charges Handling Fee Late Payment Fee and Charge Prepayment / Early Settlement / Redemption Fee Returned Cheque / Rejected Autopay Charge Additional Information 0%* Credit Card Cash Instalment 19 March 2018 This product is an instalment 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 instalment loan. Monthly handling fee will be charged. For a loan amount of HK$100,000, with monthly handling fee of 0.18% of loan amount, the fee in APR is as follows: Loan Tenor 6-month 12-month 24-month APR Monthly handling fee will be charged for each instalment. If cardholder chooses to repay prematurely, the balance of the outstanding instalment loan amount and one month handling fee shall be due immediately. In addition, HK$600 early repayment fee will be charged. For the calculation and Frequently Asked Questions of handling fee and principal in each monthly repayment, please refer to our Bank website (Credit Card > Spending Offers & Purchase Instalment > Cash Instalment Plan) # APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate. *If full payment of the outstanding current balance as stated in credit card statement is received by the Bank on or before the due date, no interest shall be payable by cardholder. Otherwise interests, finance charge and other fees, if applicable, shall be charged pursuant to the cardholder agreement. Please visit the website of the Bank at www.hk.bankcomm.com for copy of the cardholder agreement. ^0.18% monthly handling fee is applicable to particular promotion and customer and is for reference only. Handling fee is determined from time to time for various promotions by the Bank. Please refer to the latest promotion materials or contact our bank staff for the offer on handling fee. Minimum Loan amount is HK$3,000 and must be in multiples of HK$1,000. Note: In case of discrepancies between the English and Chinese versions of this KFS, the Chinese version shall prevail. Bank of Communications (Hong Kong) Limited (A wholly owned subsidiary of Bank of Communications Co., Ltd.)