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CREDIT CARD APPLICATION FORM - CONFIRMATION


Minimum Annual Salary Required :

CMBWLB Card and Affinity Card Type:	Minimum Annual Salary Required
VISA Platinum	HK$250,000
VISA Gold	HK$150,000
Classic VISA	HK$65,000
Platinum MasterCard	HK$250,000
Gold MasterCard	HK$150,000
MasterCard	HK$65,000

I would like to apply for: **	Generic Credit Card

Principal applicants must be:	(1) a Hong Kong permanent resident
	(2) aged 18 or above

Are you an existing cardholder of CMB Wing Lung Bank Credit Card / Affinity Card?	No

Personal Data

Title:	Mr. **

English name as printed on HKID Card:	Ren Tom ** (Surname, Given Name)

Previous Name/ Other Name: (if applicable)

Chinese Name:

Nationality:	China **

HKID No.: (Please attach copy for applying Credit Card)	21011111(A) **

Date of Birth:	1977/11/01 (yyyy/mm/dd)

Marital Status:	Single **

Education Level:	University or Above **

Home Address (in BLOCK Letters): (Please attach residential proof)	18A, The World Finance Center **
	Luohu District, Shenzhen **

E-mail Address:	Tomren@it.cmbwinglungbank.com

Home Tel. No.:	66666666 **

Years at Present Address:	20 **

No. of Dependents:	1

Type of Residence:	Quarters **

If mortgaged, monthly instalment (HKD):	HKD10,001-HKD20,000 ** if Mortgaged is selected under type of residence

If rented, monthly rental fee (HKD):	HKD15,001 - 25,000 ** if rented is selected under type of residence

Occupation

Name of Employer (in BLOCK Letters):	Winglung Bank

Office Address (in BLOCK Letters):	18A, The World Finance Center
	Luohu District, Shenzhen

Office Tel No.:	66666666

Mobile Phone / Paging No.:	13877777777

Nature of Business:	Trading - Wholesaler

If self-employed, business registration No.:	A100001

Present Position:	PM

Years of Service:	20

Annual Income (HKD):	500,000

Spouse Information

English Name:	Roy

Chinese Name:

Office Tel No.:	8888888

Mobile Phone / Paging No.:	13511111111

Occupation:

Parent's/Institute Information (Full-time students must fill in this part)

Father's or Mother's Name:	Jie Li

Occupation:	IT

Company's Name:	CMB Wing Lung Bank

Office Tel. No. (Ext.):	12341234

Mobile Phone / Pager No.:	13655558888

Home Tel. No.:

Home Address: (if different from the Applicant's Home Address) JSM18

Name of Institute:	Hong Kong College

Faculty:	Computer

Year of Study:	2

Year of Graduation:	1998

I confirm that I have the consent of the above person to disclose his/her information.

Bank Relationship **

Are you a director / employee and / or relative of any director / employee of CMB Wing Lung Bank Group?

Name in English :	Tao Liao
Relationship :	Brother
Department :	IT
Position :	PM

Supplementary Card

Supplementary card applicants must be a person aged 18 or above.

Title:	Mr

English name as printed on HKID card:	Joy

Chinese name:

Nationality:	China

Relationship:	Spouse

HKID No.: (Please attach copy for Supplementary card application)	3222110001100

Date of birth:	1977/11/01 (yyyy/mm/dd)

Office/Contact Tel No.:	899999999

Name of employer (in BLOCK Letters):	Soluteck

Credit limit for supplementary card account will be:	pre-set at HKD 100,000
	Remark: If not specified, the credit limit for the supplementary card will be used jointly with principal card account.

Your Reference**

Mailing address for Credit Card and monthly statement:	Home ** (P.O. Box not accepted)

Language Preference for Credit Card Statement and ATM Screen Instructions:	English **

"1 to Many" Octopus Automatic Add-Value Service

Please download the Octopus Automatic Add-Value Service Application Form and the Octopus Automatic Add-Value Agreement.

DECLARATION & SIGNATURE**
I / We confirm that no credit card and / or unsecured loan (including without limitation personal loan, tax loan and any loan with a revolving nature) under my / our name(s) issued or provided by any financial institutions has been cancelled due to default in payment and there is no current overdue payment exceeding 1 month in respect of my / our indebtedness (including credit card and any unsecured loans) with other financial institutions. I / We further confirm that no bankruptcy order has ever been made against me / us and I am / we are not in the process of petitioning for bankruptcy nor have any intentions to do so. I / We, the undersigned, declare the above information and documents enclosed are true and authorise Wing Lung Bank Limited (the "Bank") and its affinity card partner (if applicable) to disclose to, verify and exchange such information with and to obtain other credit information of myself / ourselves from whatever sources the Bank may consider appropriate at any and all times. I / We also acknowledge and agree that from time to time, all personal data relating to me / us (the "data") may be used and disclosed by the Bank for such purposes and to such persons in accordance with the Bank's policies on use and disclosure of personal data as set out in statements, circulars, notice of terms and conditions made available to customers. I / We acknowledge that the Bank shall, in accordance with the requirements set out in the Personal Data (Privacy) Ordinance, consider a credit report in determining my/our application. I / We agree to provide my / our personal data, account information and other information related to me / us, to the Bank and its affinity card partner (if applicable). I / We also authorize the Bank and its affinity card partner (if applicable) to provide relevant information to each other for marketing, credit checking and debt collecting or any purposes that they may consider appropriate. I / We acknowledge that the Bank has the right to access and obtain a credit report from time to time for credit review purposes. I / We agree to be bound by the Terms and Conditions of CMB Wing Lung Bank Credit Card Cardholder Agreement, a copy of which will be sent to me / us with the Credit Card(s) upon approval of this application. The annual fee will be waived for the first 5 years for VISA Platinum / Platinum MasterCard; or waived for the first 3 years for VISA Gold / Gold MasterCard / VISA Classic / Classic MasterCard commencing from card issuance#. Upon notice by the Bank, I / we agree to pay the full annual fee of HK$800 for each Principal VISA Platinum / Platinum MasterCard (HK$400 for each Supplementary Platinum Card); or HK$480 for each Principal VISA Gold / Gold MasterCard (HK$240 for each Supplementary Gold Card); or HK$220 for each Principal VISA Classic / Classic MasterCard (HK$110 for each Supplementary Card) if I / we decide to keep the Card(s). I / We also acknowledge that interests for unsettled credit purchase and cash advance are calculated at the annualized percentage rates (APR) of 26.53% p.a. and 27.86% p.a. respectively. If I / we fail to pay the minimum payment amount on or before the payment due date, the Bank shall have the right to change or raise the interest rates to the designated interest rates as advised in the latest "CMB Wing Lung Bank Credit Card List of Service Charges". The annual fee and finance charges are subject to the Bank's latest notice. I / We also understand and acknowledge that if I / we give any fictitious or false information, I / we may be guilty of criminal offence(s) related to deception and false information under the Laws of Hong Kong SAR. # The annual fee for affinity card is set according to different card program. Please refer to respective application forms for details.

CMB Wing Lung Credit Card Cardholder Agreement	PDF version
PLEASE READ AND UNDERSTAND THIS CARDHOLDER AGREEMENT CAREFULLY (Particularly, Clauses 3(b), 4(d) and (e), 6(a), 7, 8, 9(a) and (b), 10, 11(d), 12, 13(b) and (e), 14(a) and 17) BEFORE USING OR SIGNING THE CARD. BY USING OR SIGNING THE CARD, YOU WILL BE TREATED AS HAVING AGREED TO THE FOLLOWING TERMS AND CONDITIONS AND WILL BE BOUND BY THEM. IF YOU HAVE ANY QUESTIONS ON THE FOLLOWING TERMS AND CONDITIONS, PLEASE CALL OUR HOTLINE AT 2928 6668. 1. Definitions In this Agreement the following words shall have the following meanings, unless the context otherwise requires. Words denoting the singular shall include the plural, and words denoting one gender shall include all genders. (a) "Account Holder" means a Person in whose name the Card Account is maintained for the purposes of this Agreement. (b) "Bank" means CMB Wing Lung Bank Ltd., and includes its subsidiaries, and its or their successors and assigns. (c) "Card" means any card, whether a Visa Card, a MasterCard Card or otherwise, and whether a primary, supplementary or corporate card, and including an affinity or "cobranded" card, issued by the Bank pursuant to this Agreement. (d) "Card Account" means the account opened and maintained by the Bank for the purposes of this Agreement. (e) "Card Holder" means the Account Holder and all Supplementary Cardholders, or any of them. (f) "Charge" means any amount which the Bank debits to the Card Account pursuant to Clause 7 below. (g) "Enquiry Services" means the services referred to in Clause 13 below. (h) "ESI" (enquiry service identification) means any form of identification as supplied by the Bank (or as subsequently changed) to each Card Holder to enable him to identify himself for the purpose of the enquiries referred to in Clause 13 below, and includes (without limitation) a Telebanking password, NET Banking logon ID and Password. (i) "Person" means any individual, corporation, firm, company, institution or other legal or natural person whatsoever. (j) "PIN" means the personal identification number supplied by the Bank (or as subsequently changed) enabling a Person to identify himself when using a Card. (k) "Statement" means a monthly statement of account sent by the Bank to the Account Holder, setting out the amount then due to the Bank in respect of the Card Account. (l) "Supplementary Cardholder" means a Person in whose name a Card has been issued by the Bank other than the Account Holder. 2. Applicability of this Agreement (a) All facilities and services made available by the Bank to any Person in respect of a Card or the Card Account are subject to the terms and conditions of this Agreement from time to time in force. A Person becomes subject to such terms and conditions (if not already so subject) by signing or using a Card or permitting its use. (b) This Agreement shall be binding on each successor, personal representative and person lawfully acting on behalf of each Card Holder. 3. The Card (a) Each Card is the property of the Bank and must be surrendered on request. (b) Each Card Holder must :- (i) sign his Card upon receipt, in the signature panel provided; and (ii) keep his Card safe and secure at all times. Each Card Holder shall be fully responsible for any failure or delay in doing so. 4. Use of a Card (a) Each Card Holder shall use his Card, and ensure that it is used:- (i) within the credit limit (including any cash advance limit) from time to time notified by the Bank to the Account Holder and any debit balance of the Card Account which exceeds the credit limit shall be immediately due and payable; and (ii) within the valid date (if any) and the expiry date embossed on his Card. (b) Each Card Holder's right to use his Card shall terminate:- (i) in the event of termination of this Agreement pursuant to Clause 15 below; or (ii) in the event of loss or theft of his Card. (c) Each Card Holder hereby requests that renewal and/or replacement Cards be issued to each Card Holder until the Bank is notified by the Account Holder to the contrary provided the Bank shall not automatically renew a Card without giving the Account Holder at least 30 days to cancel the Card without having to pay the renewal fee (if any). (d) Each Card Holder shall not permit his Card to be used by any other Person, otherwise, each Card Holder shall be fully responsible for any failure in doing so. (e) Each Card Holder shall not use his Card for any illegal purpose and shall be fully responsible for any failure in doing so, otherwise, each Card Holder shall fully indemnify the Bank against all loss (whether direct or indirect) and all reasonable expense arising out of such failure. 5. Duty of Card Holder to Act in Good Faith Each Card Holder will act in good faith at all times in relation to all dealings with his Card and the Bank, and will notify the Bank of any change of employment, business, residential address or work place address, telephone number, and of any change in personal or financial circumstances which might be material to the Bank in permitting the use or the continued use of his Card. 6. PIN (a) Each Card Holder will use all reasonable care to keep his PIN secret and will not disclose his PIN to any other Person, and shall as soon as reasonably practicable inform the Bank if he becomes aware that his PIN is known to any other Person. Each Card Holder shall be fully responsible for any failure or delay in doing so. (b) A PIN may be altered by a Card Holder at any time through the appropriate means provided by the Bank. 7. Charges (a) The following Charges may be debited by the Bank to the Card Account :- (i) the amount of any purchase of goods and/or services made by use of a Card; (ii) the amount of any cash advance made in respect of a Card; and (iii) any amount due in respect of any other facility or service that the Bank may from time to time provide or arrange. (b) Charges may be debited to the Card Account notwithstanding that they were incurred (without limitation) by telephone, fax or mail order, internet order, direct debit authorisation or use of a Card in an Automated Teller Machine, merchant's Point Of Sale terminal or credit card pay phone or any other facility permitting use of the Card without the execution of a sales draft or the signature of a Card Holder. (c) Charges incurred in any other currency than Hong Kong Dollars will be converted into Hong Kong Dollars at the exchange rate specified by VISA / MasterCard International on the date of conversion plus an additional percentage of foreign exchange fee as the Bank may reasonably determine. 8. Fees, Charges and Expenses In addition to Charges, the Bank may debit the following to the Card Account:- (a) an annual membership fee (unless waived) for the use of each Card; (b) a handling charge for the supply of reissued or replacement Cards, (c) a handling charge on each cash advance; (d) daily interest on each cash advance from the date of such advance until the date upon which it is finally repaid; (e) a service fee for each cheque tendered to the Bank in respect of the Card Account which is not honoured, and for each direct debit or autopay instruction which is returned unpaid; (f) a finance charge on the daily unpaid balance of the Card Account, provided that if the Bank shall have received the total amount due as reflected in any two consecutive Statements, not later than the respective latest due date specified in those Statements, no finance charge will be levied by the Bank in respect of the period between those Statements; (g) a late payment charge, if at any time the minimum payment due specified in a Statement has not been paid by the latest payment due date as specified in that Statement; and (h) such other fees, charges and expenses as the Bank may from time to time determine, at such rates and in such amounts as the Bank may from time to time determine. The fees, charges and expenses of the Bank are contained in the Notice "Credit Card Services ¡V List of Charges", a copy of which currently in force is supplied with this Agreement. 9. Liability (a) The Account Holder is liable for the total amount due to the Bank in respect of the Card Account. (b) Each Supplementary Cardholder is also liable for the total amount due to the Bank attributable to his own use of a Card. However, a Supplementary Cardholder will not in any event be liable for any amount due to the Bank attributable to the use of a Card by the Account Holder or other Supplementary Cardholder(s) (if any). (c) The Bank may at any time require each Card Holder to repay the amounts for which in its discretion they are respectively liable. (d) Nothing in this Agreement shall affect the Bank's right of set-off, transfer and application of moneys at law or pursuant to any other agreement from time to time subsisting between the Bank and any Person. (e) Payments to the Bank:- (i) shall be deemed not to have been made until such time as the relevant funds have been received for value by the Bank; (ii) shall be payable without any deduction or withholding on account of any other amount whatsoever whether by way of set-off, counterclaim or otherwise, and notwithstanding any legal limitation, disability or incapacity of any Person; and (iii) may be applied in whatsoever way the Bank thinks fit. (f) Any credit to be given in respect of Charges will be applied by the Bank to the Card Account (and not to any specific Card Holder) only after receipt by the Bank of notification in form acceptable to the Bank. (g) The Bank is entitled (but not bound) to:- (i) give effect to any instruction given by any Person to effect payment of sums due under this Agreement from another account with the Bank; and (ii) set-off or transfer, at any time and without prior notice, (a) the credit balance in any account(s) of the Account Holder, whether held singly or jointly with others and whether on current savings or time deposit and whether in Hong Kong Dollars or any other currency in or towards discharge of the total amount due to the Bank in respect of the entire debit balance of the Card Account (be it attributable to his own use or a Supplementary Cardholder's use of a Card) or (b) the credit balance in any account(s) of a Supplementary Cardholder, whether held singly or jointly with others and whether on current savings or time deposit and whether in Hong Kong Dollars or any other currency in or towards discharge of the total amount due to the Bank in respect of the debit balance of the Card Account attributable to his own use of a Card. For the purpose of set-off of funds in any currency other than Hong Kong Dollars the Bank may convert the currency into Hong Kong Dollars at such rates and at such times as the Bank may reasonably determine. If the Bank exercises its rights under this Clause (g)(ii), it shall notify the relevant Card Holder promptly. 10. Loss or Theft of Card (a) Each Card Holder must report and inform the Bank as soon as reasonably practicable of any loss or theft and/or unauthorised use of his Card. (b) Provided that a Card Holder have not acted fraudulently or with gross negligence or have not otherwise failed to inform the Bank as soon as reasonably practicable after having found that his Card has been lost or stolen or have not failed to comply with his obligations under Clause 3(b) or 6(a), the maximum liability of that Card Holder in the event of any loss or theft or unauthorised use of his Card shall not exceed HK$500. This limit is confined to loss specifically related to the credit card account and does not cover cash advances. (c) Subject to Clause 10(b), a Card Holder will be liable for all losses if he has acted fraudulently or with gross negligence or has failed to inform the Bank as soon as reasonably practicable after having found that his Card has been lost or stolen or has otherwise failed to comply with any of his obligations under this Agreement. (d) Upon any loss or theft or termination of a Card or change of the Card Account, a Card Holder must also promptly notify the related merchant(s) for changing or termination of all autopay service(s) previously arranged in respect of the Card Account. The Card Holder shall be fully responsible for any failure or delay in doing so. 11. Records (a) The Bank's record of the amount of any Charge shall, in the absence of manifest error, be final and binding on each Card Holder, and the Bank's record of any Charge incurred using a PIN or over the internet or by means of an Automated Teller Machine or Point Of Sale terminal or other computer terminal shall be binding on each Card Holder as to its amount and consequence. (b) In the case of any Charge which does not originate from a sales draft, the Bank shall be entitled to give effect to the same as though the same were submitted to the Bank in writing and signed, and each Card Holder hereby authorise the Bank to do so. (c) Each Card Holder hereby authorises the Bank to use or disclose any information it may have concerning the Card Holder in accordance with the Bank's policies on use and disclosure of personal data as set out in statements, circulars, notice of terms and conditions made available to customers. Without prejudice to the foregoing, such information may from time to time be used for direct marketing and/or promotional purposes regarding products and special promotions from the Bank, its associates and carefully selected third parties. If a Card Holder does not wish such use to be made of such information, he should write to the Data Protection Officer - CMB Wing Lung Bank Ltd, 45 Des Voeux Road Central, Hong Kong, Tel. No.: 2826 8333 and Fax No.: 2810 0592. (d) The Account Holder must examine each Statement and must notify the Bank in writing within 60 days from the date of such Statement pursuant to Clause 16 below of any unauthorised transactions, including forgery, fraud or lack of authority. In the absence of any complaint from the Account Holder or any Card Holder within 60 days after the date of any Statement, they shall be conclusively deemed to have accepted the correctness of that Statement. However, the Account Holder is not responsible for unauthorised transactions arising from (a) forgery or fraud of a third party in relation to which the Bank has failed to exercise reasonable care or (b) forgery, fraud, default or negligence of the Bank¡¦s employees or agents. (e) Where the Account Holder reports an unauthorised transaction before the payment due date and within the prescribed period specified in a Statement, the Account Holder may give a written request to the Bank for a deferral of the obligation to make payment of the disputed amount during the investigation period and request that any interest and finance charges be suspended in respect of the disputed amount while it is under investigation. If, however, the report made by the Account Holder is subsequently proved to be unfounded, the Bank reserves the right to re-impose the interest and finance charges on the disputed amount over the whole period, including the investigation period. (f) In the course of providing services, the Bank may record any verbal communications between the Card Holder and the Bank in relation to such services. 12. Exclusion of Liability (a) Unless the Bank is negligent or guilty of wilful misconduct, the Bank shall be under no liability whatsoever to a Card Holder in respect of any loss or damage arising directly or indirectly out of:- (i) any defect in any goods or services supplied; (ii) the refusal of any Person, Automatic Teller Machine, Point Of Sale terminal, other computer terminal or internet website to honour or accept his Card; (iii) the incurring of a Charge other than by him; (iv) any statement made by any Person requesting the return of his Card or any act performed by any Person in conjunction therewith; (v) the exercise by the Bank of its right to demand and procure surrender of his Card prior to the expiry date embossed on its face, whether such demand and surrender are made and/or procured by the Bank or by any other Person or Automatic Teller Machine, Point Of Sale terminal, other computer terminal or internet website; (vi) the exercise by the Bank of its right to modify, suspend or withdraw any of the facilities, services or benefits from time to time available in respect of his Card pursuant to Clause 14(b) below, to amend the credit limit (including any cash advance limit) applicable to his Card or the Card Account pursuant to Clause 14(c) below or to terminate his Card or the Card Account pursuant to Clause 15(b); (vii) any injury to his credit character and reputation in and about the repossession of his Card, any request for its return or the refusal of any Person to honour or accept his Card; or (viii) any misstatement, misrepresentation, error or omission in any details disclosed by the Bank pursuant to Clause 11(c). (b) Notwithstanding Clause 12(a), the Bank will bear any direct loss or damage suffered by a Card Holder arising out of (i) the fault or malfunction of any Automatic Teller Machine, Point of Sale terminal, other terminal or system or Internet website owned by the Bank, unless the fault or malfunction is obvious or advised by a message or notice on display. (ii) misuse when the Card has not been received by the Card Holder, or (iii) transactions are made through the use of counterfeit cards. The Bank shall in any event be under no liability whatsoever to a Card Holder in respect of any indirect loss or damage arising out thereof. (c) If the Bank is a party to a shared electronic system, it will not avoid liability to the Card Holder in respect of any loss arising from the use of the Card either caused or contributed by another party to the system. 13. Enquiry Services (a) As an alternative to other means of communication, the Bank may permit a Card Holder to enquire as to the status of the Card Account, or transactions on the Card Account, via the Bank's Telebanking or NET Banking services. Such permission does not extend to any other facility offered by such services, approval to use which must be obtained separately. (b) Each Card Holder will not disclose his ESI required to make such enquiries to any other Person, and shall immediately inform the Bank if he becomes aware that his ESI is known to any other Person. Each Card Holder shall be fully responsible for any failure or delay in doing so. (c) An ESI may be changed by a Card Holder at any time through the appropriate means provided by the Bank. (d) Access to the Enquiry Services may be cancelled by a Card Holder on receipt of written notice to that effect by the Bank. (e) Each Card Holder agrees that the Bank gives no warranty as to whether information supplied by the Enquiry Services is current or correct, and that all such enquiries are for reference only. (f) Use of Telebanking or NET Banking services is governed by the applicable terms and conditions of the Bank and is provided subject to the Bank's operational instructions. The conditions and instructions in force at the time the relevant enquiry is made may be accessed at the Bank's website. In the event of any conflict between the conditions, or the instructions, and this Agreement, the latter shall prevail. 14. Amendment (a) This Agreement and fees, charges and interest and charge rates payable or applicable under this Agreement may be amended at any time and from time to time by notice from the Bank to the Account Holder. Where any such amendment is within the Bank's control and except as provided in Clauses 14(b) and (c) below, 30 days' prior notice shall be given to the Account Holder. (b) The Bank may add to, modify, suspend or withdraw any of the facilities, services or benefits from time to time available in respect of a Card without notice. Without prejudice to the aforesaid, the Bank may provide at its discretion, additional services, benefits or programs in connection with any Card. Such additional services, benefits or programs are subject to their own applicable terms and conditions of the Bank. The Bank may withdraw or change any such additional service, benefit or program at any time without notice. (c) The Bank may at any time amend the credit limit (including any cash advance limit) applicable to a Card or the Card Account by notice to the Account Holder, such amendment to take immediate effect. (d) The Bank may give notice of any amendment referred to in this Clause 14 in a Statement or by display at its branches, advertisement or otherwise, stipulating a date on which such amendment shall take effect. (e) If a Card Holder does not wish to accept the amendment(s) referred to in this Clause 14, he may terminate this Agreement in accordance with Clause 15(a) within a reasonable period and before such amendment(s) take effect. The Bank shall refund the paid annual fee (if any) on a monthly pro-rata basis, if the fee can be separately distinguished and the amount involved is not minimal. 15. Termination (a) (i) The Account Holder may at any time by notice in writing to the Bank terminate the Card Account or the use of any Card. A Supplementary Cardholder may also at any time by notice in writing to the Bank terminate the use of his Card. (ii) Such notice will not take effect until all Cards relating to the Card Account or the Card of the relevant Supplementary Cardholder (as the case may be), duly defaced, have been received by the Bank. (iii) Save as aforesaid neither the Card Account nor any Card may be terminated by the Account Holder or any Card Holder. (b) (i) The Bank may at any time, with or without notice as the Bank may determine in the circumstances, terminate the Card Account or a Card. (ii) On termination of the Card Account (and notwithstanding any prior agreement between the Bank and a Card Holder to the contrary) the total sum due to the Bank as reflected in the Card Account, and the amount of any Charges incurred after termination shall become forthwith due and payable by a Card Holder, provided that a Supplementary Cardholder will only be liable for the total amount due to the Bank attributable to his own use of his Card as the Bank may in its discretion determine and interest will accrue thereon thereafter at such rate as the Bank may from time to time notify as the rate of the finance charge referred to in Clause 8(f) above. 16. Notices (a) Each Supplementary Cardholder hereby irrevocably appoints the Account Holder as his agent for the purposes of service by the Bank of:- (i) a Statement, including any notice (whether on the front or the reverse of a Statement) for which provision is made in this Agreement; (ii) any other demand, communication or notice made or given by the Bank pursuant to this Agreement; and (iii) legal process. (b) Any of the aforesaid documents may be served by sending the same by ordinary post to the usual or last known address of the Account Holder, and such document shall be deemed to have been duly served two days after the date of posting if mailed to an address in Hong Kong or seven days after posting if mailed to an address elsewhere, save that in the case of legal process these periods shall be increased to seven and twenty-one days respectively. 17. Expenses of Enforcement Each Card Holder shall be liable to indemnify the Bank in respect of all reasonable expenses properly incurred by the Bank in enforcing or attempting to enforce this Agreement against himself including all reasonable legal fees and disbursements. The Bank may from time to time use third party agencies to collect overdue amount from a Card Holder, and shall be entitled to the like indemnity from such Card Holder in respect of the reasonable costs and expenses thereby incurred. The Bank shall, on request, provide a Card Holder with a breakdown of all expenses he is liable to pay under this Clause 17. 18. Law and Language (a) The Agreement shall be construed and the provision of Card facilities shall be governed by the laws of the Hong Kong Special Administrative Region, and subject to the non-exclusive jurisdiction of the Hong Kong Special Administrative Region Courts. (b) If, at any time, any of these terms and conditions is or become illegal, invalid or unenforceable in any respect, the legality, validity and enforceability of the remaining terms and conditions shall not be affected thereby. (c) Nothing in this Agreement shall operate so as to exclude or restrict any liability where the Bank is negligent or guilty of wilful misconduct. (d) If there is any difference between the English language version of this Agreement and the Chinese language version, the English language version shall prevail. (Effective on : 2005-11)

PERSONAL DATA (PRIVACY) ORDINANCE CMB WING LUNG BANK GROUP Notice to Customers relating to the Personal Data (Privacy) Ordinance (the "Ordinance" ) 1.From time to time, it is necessary for customers and various other individuals (including without limitation applicants for banking/financial services and banking/credit facilities, sureties, referees, shareholders, directors, officers and managers of corporate customers or applicants) (collectively, "data subjects") to supply CMB Wing Lung Bank Limited and its subsidiaries including CMB Wing Lung Finance Limited, CMB Wing Lung Insurance Company Limited, CMB Wing Lung Agency Limited, CMB Wing Lung Insurance Brokers Limited, Wing Lung Securities Limited, CMB Wing Lung Futures Limited, CMB Wing Lung (Nominees) Limited, CMB Wing Lung (Trustee) Limited, CMB Wing Lung Property Management Limited (the "Group") with data in connection with the opening or continuation of accounts and the establishment or continuation of banking/credit facilities or provision of securities and futures trading, credit card, insurance, tenancy and property management and other banking/financial services. 2.Failure to supply such data may result in the Group being unable to open or continue accounts or establish or continue banking/credit facilities or provision of securities and futures trading, credit card, insurance, tenancy and property management and other banking/financial services. 3.It is also the case that data are collected from data subjects in the ordinary course of the continuation of the Group's business relationship, for example, when data subjects write cheques, deposit money, repay loans, conduct securities trading, make credit card or insurance transactions. 4.The purposes for which data relating to a data subject may be used will vary depending on the nature of the data subject's relationship with the Group. Broadly, they may comprise all or any one or more of the following purposes:- (i) the daily operation of the services and credit facilities provided to data subjects; (ii) provision of reference; (iii) conducting credit checks (including without limitation upon applications for consumer credit and periodic or special reviews of such credit) and carrying out matching procedures (as defined in the Ordinance); (iv) creating and maintaining the Group's credit scoring models; (v) assisting other financial institutions, credit or charge card issuing companies and debt collection agents to conduct credit checks and collect debts; (vi) ensuring ongoing credit worthiness of data subjects; (vii) researching, designing financial services or related products for data subjects' use; (viii) marketing services or products of the Group and/or selected companies; (ix) determining the amount of indebtedness owed to or by data subjects; (x) the enforcement of data subjects' obligations, including without limitation the collection of amounts outstanding from data subjects and those providing security or guarantee for data subjects' obligations; (xi) meeting the requirements under any applicable law, regulation, or court order binding on the Group or any of its branches to make disclosure to relevant supervisory or regulatory authorities, police or court of law or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Group or any of its branches are expected to comply; (xii) enabling an actual or proposed assignee of the Group, or participant or sub-participant of the Group's rights in respect of the data subjects to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; (xiii) comparing data of data subjects or other persons for credit checking, data verification or otherwise producing or verifying data, whether or not for the purpose of taking adverse action against the data subjects; (xiv) maintaining a credit history of data subjects (whether or not there exists any relationship between data subjects and the Group) for present and future reference; (xv) exchange information with merchants accepting credit cards issued by the Group and entities with whom the Group provides affinity/co-branded/private label credit card services (each a "merchant" or an "affinity entity"); (xvi) verifying data subjects' identities with any card acquirer of a merchant in connection with any card transactions; and (xvii) purposes relating thereto. 5.Data held by the Group relating to data subjects will be kept confidential but the Group may provide such information to the following parties for the purposes set out in paragraph 4:- (i) any agent, contractor, claim adjuster or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Group in connection with the operation of its business; (ii) any other person under a duty of confidentiality to the Group including any company within the Group 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 Group is under an obligation to make disclosure under the requirements of any law binding on the Group or any of its branches or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Group or any of its branches are expected to comply; (vi) any actual or proposed assignee of the Group or participant or sub-participant or transferee of the Group's rights in respect of the data subjects; (vii) any insurance company or agent, broker, merchant or other business partners of the Group; (viii) selected companies for the purpose of informing data subjects of services which the Group believes will be of interest to data subjects; (ix) any financial institution and charge or credit card issuing companies with which the data subjects have or propose to have dealings; (x) any other person who has established or proposes to establish any business relationship with the Group or recipient of the data; (xi) any party giving or proposing to give a guarantee or third party security to guarantee or secure the data subjects' obligations; (xii) Joint Electronic Teller Services Limited ("JETCO"), operators or participants of the JETCO network and other issuers of ATM cards; (xiii) any card acquirer of a merchant; and (xiv) any third party in connection with paragraph 4(x). 6.Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any data subject has the right:- (i) to check whether the Group holds data about him and of access to such data; (ii) to require the Group to correct any data relating to him which is inaccurate; (iii) to ascertain the Group's policies and practices in relation to data and to be informed of the kind of personal data held by the Group; (iv) in relation to consumer credit, to request to be informed 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 consumer credit (except where the consumer credit applied for involves a residential mortgage loan) which has been provided by the Group to a credit reference agency, to instruct the Group upon termination of an account by full repayment to make a request to the credit reference agency to delete such data from its database, as long as the instruction is given within 5 years of termination and at no time did the account have a default of payment lasting in excess of 60 days within 5 years immediately before account termination. 7.Where the Group has provided consumer credit to an individual customer and the account is subsequently in default lasting in excess of 60 days, the data may be retained by the credit reference agency until the expiry of 5 years from the date of final settlement of the amount in default or 5 years from the date of discharge from a bankruptcy as notified to the Group, whichever is earlier. 8.The Group may have obtained a credit report on the data subject and any of its sureties from a credit reference agency in considering an application for credit. In the event the data subject or any of its sureties wishes to access the credit report, the Group will advise the contact details of the relevant credit reference agency. 9.The Group may access the database of credit reference agency for the purpose of credit review from time to time. In particular, the Group may access the consumer credit data of individual customer held by credit reference agency for the purpose of the review of their existing consumer credit facilities which may involve the consideration by the Group of any of the following matters: (i) an increase in the credit amount; (ii) the curtailing of credit ( including the cancellation of credit or a decrease in the credit amount); or (iii) the putting in place or the implementation of a scheme of arrangement with the individual customer. 10.In accordance with the terms of the Ordinance, the Group has the right to charge a reasonable fee for the processing of any data access request. 11.Data of a data subject may be processed, kept and transferred or disclosed in and to any country as the Group or any person who has obtained such data from the Group referred to in paragraph 5 above considers appropriate. Such data may also be released or disclosed in accordance with the local practices and laws, rules and regulations (including any governmental acts and orders) in such country; 12.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 as follows:- The Data Protection Officer CMB Wing Lung Bank Ltd 45 Des Voeux Road Central, Hong Kong 13.You may, at any time, choose not to receive our promotional material. Please let us know in writing in case of such a request to the Data Protection Officer. 14.Nothing in this Notice shall limit the rights of data subjects under the Ordinance. 15.In case of discrepancies between the English and Chinese versions, the English version shall prevail. May 2007

Important Notice to Customers relating to the Sharing of Consumer Credit Data The Revised Code of Code of Practice on Consumer Credit Data ("Revised Code") takes effect on and from 2 June 2003. Under the Revised Code, CMB Wing Lung Bank Limited is allowed to share a wider scope of credit data. This will include repayment history record, credit limits and outstanding balances of your credit cards and personal loans (excluding residential mortgages loans). Benefits from Greater Credit Data Sharing If you are a creditworthy customer, you will be benefited from greater credit data sharing because (a) you will enjoy faster access to credit when you need it; and (b) a good credit report will strengthen your reputation with financial institutions from which you wish to borrow in the future. Credit Data Storage The credit data of customers is stored by a credit reference agency acting as a central database for storing and processing information. Protection of Personal Data The Revised Code will continue to protect your privacy and ensure that financial institutions can only access your credit data for credit assessment purposes, but not for any marketing activities. Only financial institutions with which you have a credit relationship or to which you have applied for credit will have access to your data. The identity of other financial institutions with whom you have a credit relationship will remain confidential at all times. The security system at the credit reference agency will protect against unauthorized access to your personal data. Your Opt-out Choice Upon the termination of the account by full repayment and on condition that there has been, within 5 years immediately before account termination, no default in payment for a period in excess of 60 days, then you will have an "opt-out" choice to decide whether you allow your terminated account data to be disclosed to other financial institutions for future credit reference purpose. If you choose not to "opt-out" the closed account data will remain available to other financial institutions with whom you have a credit relationship. If you choose to "opt-out" the credit reference agency will delete from its database any account data relating to the terminated account. In the event of any default in repayment, unless the amount in default is fully repaid before the expiry of 60 days from the date such default occurred, otherwise you shall be liable to have your account data retained by the credit reference agency until 5 years from the date of final settlement of the amount in default. Should you have any enquiries, please contact our Data Protection Officer, CMB Wing Lung Bank Limited, 45 Des Voeux Road Central, Hong Kong (Fax : 2537 9872). In the event of any inconsistency between the English and Chinese version of this Notice, the English version shall prevail.

There are three options to submit your application: Press the ”Send” button below. Upon submission of application, please fax copies of the following documents (with application number marked on each page) to 2771 2482. Our colleague will contact you shortly after we receive your documents. Your HKID card and that of any supplementary card applicant. Bank statements/passbook showing your name, account no., and past three months salary record. Latest residential proof, e.g. electricity bills/bank statement. Other asset proof, e.g. fixed deposit advice. Business registration certificate and company tax assessment (if you are the sole proprietor of, or a partner in a business). Remark: Please be advised that the Bank is not responsible for any information being intercepted during data transmission if you choose this option. Mail the application with all required documents to Credit Card Centre, Wing Lung Bank Ltd., P.O. Box 72569, Kowloon Central Post Office, Kowloon, Hong Kong. This application form and all supporting documents' copies are not returnable. All applications are subject to the Bank's final approval.

Signature of Principal Card Applicant X__________________________________ Date: (Not applicable to online submission, online applicant should provide signature upon receiving request from the Bank)	Signature of Supplementary Card Applicant X______________________________________ Date: (Not applicable to online submission, online applicant should provide signature upon receiving request from the Bank) The signature(s) should be the same as that will appear on the Credit Card's signature panel

Your Opt-out Choice Upon the termination of the account by full repayment and on condition that there has been, within 5 years immediately before account termination, no default in payment for a period in excess of 60 days on the account, you will have the right to instruct the credit provider to make a request to the credit reference agency to delete from its database any account data relating to the terminated account.

CMB Wing Lung Bank Credit Card Customer Service Hotline: 3711 6688


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