Microsoft Word - Wedding Loan Form_228_Web_Eng_Jan 2016.doc

Transcription

1 Fubon Wedding Loan Application Form All applicants must be HK permanent residents aged 18 or above and with an annual income of HK$60,000 or above. Please the appropriate boxes where applicable. All of the information required in the form is mandatory unless otherwise specified. Please submit the required documents to us by fax to or by mail to Fubon Bank, 23/F, Fortress Tower, 250, King s Road, North Point, Hong Kong. (If you have submitted by fax already, please do not re-submit by mail.) LOAN INFORMATION Loan amount requested: HK$ (228) Marital Status Resident Type Self-owned Mortgaged Single Married No. of Family Dependents Divorced Others Company Quarters Rented Repayment Period: months Note: Minimum loan amount is HK$10,000; Maximum loan amount is HK$800,000 or 12 times of your monthly salary (whichever is lower). LOAN DISBURSEMENT AND LOAN REPAYMENT INFORMATION I hereby authorize Fubon Bank (Hong Kong) Limited ( the Bank ) to disburse the loan amount to my following bank account. I understand my monthly installment will be debited from my following bank account via autopay. Name of Bank Monthly Installment HK$ Monthly Rental HK$ Live with Parents / Relatives OCCUPATION Self-Employed Yes Name of Company Name of Account Holder Bank No. Branch No. Account No. Office Address Note: The above bank account must be a personal account with same applicant s name. Joint & corporate account will not be accepted. Nature of Business Office Phone No. & Ext. Mr. Name in English Miss Name in Chinese PERSONAL DETAILS Years in Current Employment Position Years in Current Profession Annual Income HK$ Date of Birth D M Y Nationality Taiwan ID Card No. (Please enclose copy) Current Residential Address HK Permanent I.D Card / Passport No. (Please enclose copy) Taiwan Passport No. (Please enclose copy) OTHER INFORMATION 1) Confirmation letter can be sent to my Home Office Note: If not specified, we will send them to your residential address. 2) Have you been refused by another bank to establish a banking relationship before?* Yes No *Optional RELATIONSHIP WITH DIRECTOR/EMPLOYEE OF THE BANK Years in Present Address Please enclose permanent address proof and state on the document if the permanent address is different from the above present home address. Home Phone No. Mobile No. / Pager No. Address (optional) Education Level University or above Post-secondary Secondary Others Are you a relative, spouse, parent or sibling of a staff member, director, substantial shareholder* or person-in-charge of Fubon Bank (Hong Kong) Limited and/or any of its subsidiaries? Yes. Name of the relevant staff member, director, or substantial shareholder* or person-in-charge: My relationship with the aforementioned person: No. I hereby undertake to notify the Bank in writing as soon as possible if I become so related to the Bank and/or any of its subsidiaries. * Substantial shareholder means a shareholder holding 5% or more of the issued share capital of a company. PWL T04(E) 01/2016 Web Page 1

2 Fubon Wedding Loan Application Form DOCUMENTS REQUIRED To ensure prompt processing of your application, please make sure you have enclosed copies of the following documents. Documents supplied (including this application form) are not returnable. 1. HK Permanent I.D. Card (please provide copy of your valid passport or travel documents if you are not holding a HK Permanent I.D. card) 2. Taiwan I.D. Card (only applicable to applicants who are holders of Taiwan ID card. 3. Income proof: Latest Tax Demand Note (First and Second page); OR Latest 1 month s pay roll slip (Applicant with commission income has to submit the latest 3 months payroll slip); OR Latest Bank Statement / Passbook showing salary record (with your name and account numbers shown; Applicant with commission income has to submit the latest 3 months bank statement / passbook); 4. Current residential address proof which is received via mail within latest 3 months, e.g. bank statement, utility bill or mobile bill; 5. Loan disbursement proof (e.g. bank statement / first page of passbook with your name and account number shown); 6. Latest 3 month s permanent address proof which is received via mail (if applicable), e.g. bank statement, utility bill or mobile bill, etc; 7. Marriage proof (with your name and issued within 1 year): Marriage Certificate; OR Official Deposit/Invoice receipt of marriage related expenses (e.g., Banquet, Wedding gown, Photo shooting, Civil celebrants of marriages, Venue/Church booking, Marriage Registration etc) Note: For self-employed professional applicants, the Bank reserves the right to request for additional documents from you. CONFIRMATION & DECLARATION 1 I warrant and declare that the information of all my other banking and financial commitments given above are true and correct and the bank is authorized to confirm this from any source the bank may choose. In particular I confirm that I have not in the past been the holder of any credit card (principal or supplementary) or the recipient of any borrowings, credit or financial accommodation which has been cancelled or suspended by the credit card issuer or lender (as the case may be) due to my default in payment or breach of any applicable terms and conditions. 2 I acknowledge that all information must be provided to facilitate the processing of this application and my failure to do so may result in this application not being processed and the Bank may not be able to approve my application for loan/facility. 3 I understand and accept that if any information given by me is false then my act will constitute an offence under Section 71 of the Crimes Ordinance and/or under Section 16A, 17 and 18 of the Theft Ordinance. 4 I understand the information I provide herein constitutes personal data as defined in the Personal Data (Privacy) Ordinance and I consent to the Bank using, holding, storing, disclosing and transferring any personal data for credit and lending checkings and purposes in accordance with the Bank s Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (the Ordinance ) and Consumer Credit Data and deemed as necessary for the processing of this application and referred to in the Terms and Conditions applicable. 5 I understand that I have the right to request access to or correction of my personal data and that the Bank has a right to charge me a reasonable fee for processing of any data access request. 6 I acknowledge that before I complete this application with my personal data and submit it to the Bank, the following information has been specifically drawn to my attention:- (a) my personal data may be supplied by the Bank to a credit reference agency ("CRA") and/or in the event of default to a debt collection agency or solicitors firm (together, "DCA"); (b) I have a right to be informed, upon request, about which terms of the data are routinely so disclosed and I have a right to be provided with further information to enable the making of a data access and correction request to the relevant CRA or DCA, as the case may be; (c) in the event of any default in repayment, 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, I shall be liable to have my account repayment data retained by the CRA until the expiry of 5 years from the date of final settlement of the amount in default; (d) in the event of any amount in any account is written off due to bankruptcy order being made against me, I shall be liable to have my account repayment data retained by the CRA, regardless of whether the account repayment data reveal any default of payment lasting in excess of 60 days (namely material default), until the expiry of 5 years from the date of final settlement of the amount in default or the expiry of 5 years from the date of discharge from a bankruptcy as notified by me with evidence to (e) the CRA, whichever is earlier; and upon termination of the loan/facility account by full repayment of all outstandings and on the condition that there has not been, within 5 years immediately before the loan/facility account termination, any material default in the loan/facility account, I will have the right to instruct the Bank to make a request to the CRA to delete from its database any account data relating to my terminated loan/facility account, as long as the instruction is given within five years of termination. 7 I acknowledge that when the Bank considers my application for loan/facility, the Bank may access and consider a credit report on me from a CRA in its credit decision process. 8 I acknowledge that my loan/facility account is subject to review from time to time in relation to an increase in the loan/facility amount, the curtailing of loan/facility (including the cancellation of loan/facility or a decrease in the loan/facility amount) or the putting in place or implementation of a scheme of arrangement (including amendment of minimum payment or other repayment terms), then in order for the Bank to conduct such reviews during the subsistence of the account the Bank will access and make use of a credit report from a CRA. 9 I further agree to be bound by the Terms and Conditions applicable and confirm that I have read and understood the Summary of Major Terms and Conditions attached. Acceptance of this application, loan amount and the interest rate granted shall be at the sole discretion of the Bank without giving any reason. I agree that monthly statement of loan/facility account will not be issued by the Bank to me. 10 I confirm and undertake that if my application is successfully approved by the Bank, I will continue to maintain my financial condition in order that I will be able to pay all of my debts and liabilities as and when they fall due. I further confirm that as at the date hereof (and I shall continue to maintain in the status), I do not have any overdue payment exceeding 30 days and/or I did not in breach of any applicable terms and conditions thereof in respect of any borrowings, credit or financial accommodation which I have obtained from any other financial institution or third party. 11 I further confirm that I am not (or have never been) subject to a bankruptcy order or a statutory demand (pursuant to the Bankruptcy Ordinance) served upon me by a credit or nor am I in the process of petitioning for bankruptcy nor do I have the intention to do so. I acknowledge that if I do subsequently file a petition for bankruptcy, then what I have declared above would be incorrect and false and I accept that such would constitute dishonesty and/or fraud on my part. 12 I declare that I am the beneficial owner of my loan / facility account and any transactions conducted by me through the account. I declare and undertake that no other person will have any interest of whatsoever nature in the account opened by me; otherwise I shall provide the information of the beneficial owner(s) to the Bank. Opt-Out from use of Personal Data In Direct Marketing I do not wish the Bank to use my personal data in direct marketing or provide my personal data to the Bank s group companies for their use in direct marketing, in which includes Personal Loan promotions and other offers. The above represents your present choice whether or not to receive direct marketing contact or information. This replaces any choice communicated by you to the Bank prior to this application. Please note that your above choice applies to the direct marketing of the classes of products, services and/or subjects as set out in the Bank s Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and Consumer Credit Data (the Notice ) (attached to this form). Please also refer to the Notice on the kinds of personal data which may be used in direct marketing and the classes of persons to which your personal data may be provided for them to use in direct marketing. I have read and understood, and agree to be bound by the promotion materials, all the above items and the relevant terms and conditions stated in this application form and your Bank s Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and Consumer Credit Data#. I agree to notify the Bank immediately by filling in the Change of Customer Information and Choice of Receiving Direct Marketing Form * for any change to my personal information including but not limited to address, phone number(s), and occupation. X Signature of Loan Applicant Date (Your signature must be the same as your repayment bank account) #Should you wish to obtain the updated version of our Bank s Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and Consumer Credit Data, please feel free to visit any of our branches or our website at or call our 24-hour Customer Service Hotline at * Change of Customer Information and Choice of Receiving Direct Marketing Form can be obtained in our branches or downloaded from our bank s website Note: If your application is approved, the Bank will contact you and/or issue a loan confirmation letter to you. FOR BANK USE ONLY DV A / D AO MKT 228 BRANCH INT STAFF PV PL AO PWL T04(E) 01/2016 Web Page 2

3 Fubon Wedding Loan Application Form Fubon Bank (Hong Kong Limited Summary of Major Terms and Conditions of Fixed Term Personal Loan The following summarizes the major terms and conditions of the Fixed Term Personal Loan ( Terms and Conditions ) and you hereby agree to be bound by the whole agreement. 1. The Bank is hereby irrevocably authorized to debit your designated repayment bank account with each monthly instalment and other payable sums through autopay services commencing on such due date as specified in the Bank s Confirmation Letter. 2. Should there be insufficient funds in the designated repayment bank account to meet any debit transfer arrangement, the Bank shall be entitled, at its discretion, not to effect such transfer in which event the Bank may levy an rejected autopay transaction charge or other related service charges. 3. Interest, fees and charges on the Loan are set out in the Bank's Confirmation Letter and the Bank s List of Service Charges (as the case may be) (Interest is calculated on a 360-day year basis) and the monthly instalment to settle the principal and interest amount of the Loan is subject to reducing balance method at the Bank s sole discretion. 4. In the event of your failure to settle the monthly instalment and other payable sums on the due date, a finance charge, default interest and late payment fee as stipulated in the Confirmation Letter and the Bank s Personal Loan List of Service Charges (as the case may be) will be imposed. 5. Early repayment of the Loan in full (not part) will be allowed upon receipt of a ten (10) business days' prior written notice by the Bank. You shall also pay for the outstanding under the Loan and interest (according to the reducing balance method adopted by the Bank at its sole discretion, and the Bank also reserves the right, in its sole and absolute discretion to apportion the monthly repayments between interest and principal.) for the period up to the next due date or before, and in addition, you will have to pay an early repayment charge as specified in the Bank s Confirmation Letter. Any early repayment, subject to the foregoing, shall only be effected on the next monthly due date or before after a prior written notification is given by you to the Bank. 6. The Bank may terminate the Loan by giving you at least 30 days prior notice (or upon your request a longer period of notice where it is practicable to do so). However, if you are in breach of Terms and Conditions of Fixed Term Personal Loan or any applicable law or regulation, the Bank may immediately terminate the Loan without notice. Upon termination, all outstanding (including interest and charges) shall be immediately due and payable. 7. The Bank may, without prior notice, combine or consolidate any outstanding principal and/or interest on the Loan with any other accounts (including fixed deposit accounts) whatsoever, which you maintain with the Bank and may set-off or transfer any money standing to the credit of your such other accounts in or towards satisfaction of your liability to the Bank in respect of the Loan. 8. If you fail to pay any sum due or payable hereunder, the Bank may appoint debt collection agencies and solicitors firms to collect the same. The Bank is entitled to pass all information available in relation to you to these debt collection agencies and solicitors firms and you shall be responsible for all related cost and expenses (including reasonable legal fees) received therefrom. 9. The Bank reserves the absolute right to add to, delete from and/or vary any of Terms and Conditions of Fixed Term Personal Loan, Confirmation Letter, the Bank s List of Service Charges (as the case may be) and applicable fees and charges at any time upon giving you one month's notice save for exceptional circumstances. 10. These Terms and Conditions shall be governed and construed in accordance with the laws of the Hong Kong Special Administrative Region. If you would like to obtain a copy of the above whole agreements, please call the Bank s 24-hour Customer Service Hotline at If there is any inconsistency or conflict between the English version and Chinese version, the English version shall prevail. Please complete and return this application form with the required documents to us by fax to or by mail to Fubon Bank, 23/F, Fortress Tower, 250, King s Road, North Point, Hong Kong. (If you have returned the form by fax, please do not re-confirm by mail.) PWL T04(E) 01/2016 Web Page 3

4 Fubon Wedding Loan Application Form Key facts Statement (KFS) for Instalment Loan Fubon Bank (Hong Kong) Limited Fubon Wedding Loan January 2016 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 loan confirmation letter for the final terms of your instalment loan. Interest Rates Annualized Perentage Rate (APR) Annualized Default Interest Rate Fees and Charges Handling Fee Late Payment Fee Early Repayment Charge Rejected Autopay Transaction Charge Additional Information Not Applicable For a loan amount of HK$100,000: Loan Tenor 6-month 12-month 24-month 36-month APR Not Applicable 6.16% 6.35% 6.37% Note: The above APRs, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which include the basic interest rate of the loan. 30% In the event of the failure to settle the monthly instalment amount on or before the due date, default interest will be imposed. Default interest is calculated according to the following formula: overdue instalment amount x annualized default interest rate of 30% (calculated on a 360-day per year basis) and in simple interest on a daily basis from the date of default to the date of full repayment of the overdue instalment amount. Not Applicable Not Applicable Early repayment charge of 3% of outstanding loan principal (according to the reducing balance method adopted by the Bank at its sole discretion, and the Bank also reserves the right, in its sole and absolute discretion to apportion the monthly repayments between interest and principal.) or HK$500 (whichever is higher), will be paid during early repayment. HK$100 per autopay rejected transaction PWL T04(E) 01/2016 Web Page 4

5 富 邦 銀 行 ( 香 港 ) 有 限 公 司 及 / 或 富 邦 財 務 ( 香 港 ) 有 限 公 司 ( 個 別 地, 富 邦 機 構 ) 致 各 客 戶 及 其 他 個 別 人 士 關 於 個 人 資 料 ( 私 隱 ) 條 例 ( 私 隱 條 例 ) 及 個 人 信 貸 資 料 的 通 知 (2013 年 4 月 1 日 起 生 效 ) (a) 客 戶 及 其 他 個 人 ( 包 括 但 不 限 於 銀 行 服 務 及 信 貸 服 務 的 申 請 人, 為 銀 行 信 貸 提 供 抵 押 或 擔 保 的 擔 保 人 及 人 士 公 司 客 戶 或 申 請 人 的 股 東 董 事 高 級 職 員 及 管 理 人 員 ) ( 統 稱 資 料 當 事 人 ), 就 開 立 或 延 續 賬 戶 設 立 或 延 續 銀 行 信 貸 或 銀 行 所 提 供 的 服 務, 資 料 當 事 人 需 不 時 向 富 邦 機 構 提 供 有 關 的 資 料 (b) 若 未 能 向 富 邦 機 構 提 供 該 等 資 料, 可 能 會 導 致 有 關 的 富 邦 機 構 無 法 開 立 或 延 續 賬 戶 或 設 立 或 延 續 銀 行 信 貸 或 提 供 銀 行 服 務 (c) 就 持 續 正 常 銀 行 及 客 戶 關 係, 例 如, 當 資 料 當 事 人 開 出 支 票 或 存 款 時 使 用 自 動 櫃 員 機 進 行 銀 行 或 財 務 交 易 或 在 一 般 情 況 下 以 書 面 或 口 頭 形 式 與 富 邦 機 構 溝 通 時, 有 關 的 富 邦 機 構 亦 會 收 集 資 料 當 事 人 的 資 料, 當 中 可 能 以 文 書 形 式 或 電 話 錄 音 系 統 收 集 (d) 資 料 當 事 人 的 資 料 可 能 會 被 用 作 下 列 用 途 : (i) 為 資 料 當 事 人 提 供 證 券 銀 行 及 金 融 服 務 和 信 貸 融 通 所 涉 及 的 日 常 運 作 ; (ii) 於 資 料 當 事 人 申 請 信 貸 時 及 每 年 ( 通 常 一 次 或 多 於 一 次 ) 的 定 期 或 特 別 信 貸 覆 核 時, 進 行 信 用 檢 查 ; (iii) 設 立 及 維 持 富 邦 機 構 的 信 貸 評 分 模 式 ; (iv) 協 助 其 他 金 融 機 構 進 行 信 貸 檢 查 及 追 討 欠 債 ; (v) 確 保 資 料 當 事 人 持 續 維 持 可 靠 信 用 ; (vi) 設 計 供 資 料 當 事 人 使 用 的 金 融 服 務 或 有 關 產 品 ; (vii) 推 廣 服 務 產 品 及 其 他 標 的 ( 詳 情 請 參 閱 以 下 (g) 段 ); (viii) 確 定 富 邦 機 構 對 資 料 當 事 人 或 資 料 當 事 人 對 富 邦 機 構 的 欠 債 金 額 ; (ix) 向 資 料 當 事 人 及 為 資 料 當 事 人 債 務 提 供 抵 押 品 的 人 士 追 討 欠 款 ; (x) 履 行 根 據 下 列 適 用 於 富 邦 機 構 或 其 集 團 或 任 何 分 行 被 期 望 遵 守 的 就 披 露 及 使 用 資 料 的 義 務 規 定 或 安 排 : (1) 不 論 於 香 港 特 別 行 政 區 境 內 或 境 外 及 不 論 目 前 或 將 來 存 在 的 對 其 具 法 律 約 束 力 或 適 用 的 任 何 法 律 ; (2) 不 論 於 香 港 特 別 行 政 區 境 內 或 境 外 及 不 論 目 前 或 將 來 存 在 的 任 何 法 律 監 管 政 府 稅 務 執 法 或 其 他 機 關, 或 金 融 服 務 供 應 商 的 自 律 監 管 或 行 業 組 織 或 協 會 作 出 或 發 出 的 任 何 指 引 或 指 導 ; (3) 富 邦 機 構 或 其 集 團 或 任 何 分 行 因 其 位 於 或 跟 相 關 本 地 或 外 地 的 法 律 監 管 政 府 稅 務 執 法 或 其 他 機 關, 或 自 律 監 管 或 行 業 組 織 或 協 會 的 司 法 管 轄 區 有 關 的 金 融 商 業 業 務 或 其 他 利 益 或 活 動, 而 向 該 等 本 地 或 外 地 的 法 律 監 管 政 府 稅 務 執 法 或 其 他 機 關, 或 金 融 服 務 供 應 商 的 自 律 監 管 或 行 業 組 織 或 協 會 承 擔 或 被 彼 等 施 加 的 任 何 目 前 或 將 來 的 合 約 或 其 他 承 諾 ; (xi) 遵 守 富 邦 機 構 集 團 為 符 合 制 裁 或 預 防 或 偵 測 清 洗 黑 錢 恐 怖 分 子 融 資 活 動 或 其 他 非 法 活 動 的 任 何 方 案 就 於 富 邦 機 構 集 團 內 共 用 資 料 及 資 訊 及 / 或 資 料 及 資 訊 的 任 何 其 他 使 用 而 指 定 的 任 何 義 務 要 求 政 策 程 序 措 施 或 安 排 ; (xii) 讓 富 邦 機 構 的 實 際 或 建 議 承 讓 人, 或 就 富 邦 機 構 對 資 料 當 事 人 享 有 的 權 利 的 參 與 人 或 附 屬 參 與 人 評 核 其 擬 承 讓 參 與 或 附 屬 參 與 的 交 易 ; 及 (xiii) 與 接 受 由 富 邦 機 構 發 出 的 信 用 卡 的 商 號 及 獲 有 關 的 富 邦 機 構 提 供 聯 營 信 用 卡 服 務 的 機 構 交 換 資 料 ; (xiv) 進 行 核 對 ; 及 (xv) 與 上 述 有 關 的 用 途 (e) 富 邦 機 構 持 有 的 資 料 當 事 人 資 料 將 予 以 保 密, 但 富 邦 機 構 可 就 以 上 (d) 段 列 明 的 用 途 把 該 等 資 料 提 供 予 下 列 各 方 :- (i) 就 富 邦 機 構 業 務 運 作 向 富 邦 機 構 提 供 行 政 電 訊 電 腦 付 款 收 賬 證 券 結 算 科 技 外 判 或 其 他 服 務 的 任 何 代 理 人 承 辨 商 或 提 供 第 三 方 服 務 供 應 商 ; (ii) 任 何 對 富 邦 機 構 負 有 保 密 責 任 的 其 他 人 士, 包 括 承 諾 保 密 該 等 資 料 的 富 邦 機 構 集 團 成 員 公 司 ; (iii) 付 款 銀 行 向 出 票 人 提 供 已 付 款 支 票 的 副 本 ( 而 其 中 可 能 載 有 收 款 人 的 資 料 ); (iv) 信 貸 資 料 服 務 機 構, 以 及 在 資 料 當 事 人 欠 賬 時, 則 可 將 該 等 資 料 提 供 給 追 討 欠 款 公 司 或 律 師 行 ( 統 稱 收 賬 代 理 ); (v) 富 邦 機 構 或 其 集 團 或 其 任 何 分 行 根 據 對 富 邦 機 構 或 其 集 團 或 其 任 何 分 行 具 法 律 約 束 力 或 適 用 的 任 何 法 律 規 定, 或 根 據 及 為 符 合 任 何 法 律 監 管 政 府 稅 務 執 法 或 其 他 機 關, 或 金 融 服 務 供 應 商 的 自 律 監 管 或 行 業 組 織 或 協 會 作 出 或 發 出 的 並 期 望 富 邦 機 構 或 其 集 團 或 其 任 何 分 行 遵 守 的 任 何 指 引 或 指 導, 或 根 據 富 邦 機 構 或 其 集 團 或 其 任 何 分 行 向 本 地 或 外 地 的 法 律 監 管 政 府 稅 務 執 法 或 其 他 機 關, 或 金 融 服 務 供 應 商 的 自 律 監 管 或 行 業 組 織 或 協 會 的 任 何 合 約 或 其 他 承 諾 ( 以 上 不 論 於 香 港 特 別 行 政 區 境 內 或 境 外 及 不 論 目 前 或 將 來 存 在 的 ), 而 有 義 務 或 以 其 他 方 式 被 要 求 向 其 披 露 該 等 資 料 的 任 何 人 士 ; (vi) 富 邦 機 構 的 任 何 實 際 或 建 議 承 讓 人 或 就 富 邦 機 構 對 資 料 當 事 人 享 有 的 權 利 的 參 與 人 或 附 屬 參 與 人 或 受 讓 人 ; 及 (vii) (1) 富 邦 機 構 的 集 團 公 司 ; (2) 第 三 方 金 融 機 構 承 保 人 保 險 服 務 公 司 信 用 卡 公 司 證 券 及 投 資 服 務 供 應 商 ; (3) 第 三 方 獎 賞 客 戶 或 會 員 合 作 品 牌 及 優 惠 計 劃 供 應 商 ; (4) 富 邦 機 構 及 富 邦 機 構 的 集 團 成 員 公 司 的 合 作 品 牌 夥 伴 ( 該 等 合 作 品 牌 夥 伴 的 名 稱 會 於 有 關 服 務 及 產 品 的 申 請 表 格 上 列 明 ); (5) 慈 善 或 非 牟 利 的 機 構 ; 及 (6) 就 以 上 (d)(vii) 段 列 明 的 用 途 而 被 富 邦 機 構 任 用 之 第 三 方 服 務 供 應 商 ( 包 括 但 不 限 於 代 客 寄 件 中 心 電 訊 公 司 電 話 促 銷 及 直 銷 代 理 人 電 話 中 心 資 料 處 理 公 司 及 資 訊 科 技 公 司 ) 該 等 資 料 可 能 被 轉 移 至 香 港 境 外 (f) 就 資 料 當 事 人 ( 不 論 以 借 款 人 按 揭 人 或 擔 保 人 身 分, 以 及 不 論 以 資 料 當 事 人 本 人 單 名 或 與 其 他 人 士 聯 名 方 式 ) 於 2011 年 4 月 1 日 當 日 或 以 後 申 請 的 按 揭 有 關 的 資 料, 富 邦 機 構 可 能 會 把 下 列 資 料 當 事 人 資 料 ( 包 括 不 時 更 新 任 何 下 列 資 料 的 資 料 ) 以 富 邦 機 構 及 / 或 代 理 人 的 名 義 提 供 予 信 貸 資 料 服 務 機 構 : (i) 全 名 ; (ii) 就 每 宗 按 揭 的 身 份 ( 即 作 為 借 款 人 按 揭 人 或 擔 保 人, 及 以 資 料 當 事 人 本 人 單 名 或 與 其 他 人 士 聯 名 方 式 ); 1

6 (iii) 香 港 身 份 證 號 碼 或 旅 遊 證 件 號 碼 ; (iv) 出 生 日 期 ; (v) 通 訊 地 址 ; (vi) 就 每 宗 按 揭 的 按 揭 賬 戶 號 碼 ; (vii) 就 每 宗 按 揭 之 信 貸 種 類 ; (viii) 就 每 宗 按 揭 的 按 揭 賬 戶 狀 況 ( 如 有 效 已 結 束 已 撇 賬 ( 因 破 產 令 導 致 除 外 ) 因 破 產 令 導 致 已 撇 賬 ); 及 (ix) 就 每 宗 按 揭 的 按 揭 賬 戶 結 束 日 期 ( 如 適 用 ) 信 貸 資 料 服 務 機 構 將 使 用 上 述 由 有 關 的 富 邦 機 構 提 供 的 資 料 統 計 資 料 當 事 人 ( 分 別 以 借 款 人 按 揭 人 或 擔 保 人 身 份, 及 以 資 料 當 事 人 本 人 單 名 或 與 其 他 人 士 聯 名 方 式 ) 不 時 於 香 港 信 貸 提 供 者 間 持 有 的 按 揭 宗 數, 並 存 於 信 貸 資 料 服 務 機 構 的 個 人 信 貸 資 料 庫 內 供 信 貸 提 供 者 共 用 ( 須 受 根 據 私 隱 條 例 核 准 及 發 出 的 個 人 信 貸 資 料 實 務 守 則 的 規 定 所 限 ) (g) 在 直 接 促 銷 中 使 用 資 料 富 邦 機 構 擬 把 資 料 當 事 人 資 料 用 於 直 接 促 銷, 而 富 邦 機 構 爲 該 用 途 須 獲 得 資 料 當 事 人 同 意 ( 包 括 表 示 不 反 對 ) 就 此, 請 注 意 : (i) 富 邦 機 構 可 能 把 富 邦 機 構 不 時 持 有 的 資 料 當 事 人 姓 名 聯 絡 資 料 産 品 及 服 務 組 合 資 料 交 易 模 式 及 行 爲 財 務 背 景 及 人 口 統 計 數 據 用 於 直 接 促 銷 ; (ii) 可 用 作 促 銷 下 列 類 別 的 服 務 産 品 及 促 銷 標 的 : (1) 財 務 保 險 信 用 卡 銀 行 及 相 關 服 務 及 産 品 ; (2) 獎 賞 客 戶 或 會 員 或 優 惠 計 劃 及 相 關 服 務 及 産 品 ; (3) 富 邦 機 構 合 作 品 牌 夥 伴 提 供 之 服 務 及 産 品 ( 該 等 合 作 品 牌 夥 伴 名 稱 會 於 有 關 服 務 及 産 品 的 申 請 表 格 上 列 明 ); 及 (4) 爲 慈 善 及 / 或 非 牟 利 用 途 的 捐 款 及 捐 贈 ; (iii) 上 述 服 務 産 品 及 促 銷 標 的 可 能 由 富 邦 機 構 及 / 或 下 列 各 方 提 供 或 ( 就 捐 款 及 捐 贈 而 言 ) 徵 求 : (1) 富 邦 機 構 集 團 成 員 公 司 ; (2) 第 三 方 金 融 機 構 承 保 人 保 險 服 務 公 司 信 用 卡 公 司 證 券 及 投 資 服 務 供 應 商 ; (3) 第 三 方 獎 賞 客 戶 或 會 員 合 作 品 牌 或 優 惠 計 劃 供 應 商 ; (4) 富 邦 機 構 及 富 邦 機 構 集 團 成 員 公 司 之 合 作 品 牌 夥 伴 ( 該 等 合 作 品 牌 夥 伴 名 稱 會 於 有 關 服 務 及 産 品 的 申 請 表 格 上 列 明 ); 及 (5) 慈 善 或 非 牟 利 機 構 ; (iv) 除 由 富 邦 機 構 促 銷 上 述 服 務 産 品 及 促 銷 標 的 以 外, 富 邦 機 構 亦 擬 將 以 上 (g)(i) 段 所 述 的 資 料 提 供 予 以 上 (g) (iii) 段 所 述 的 全 部 或 任 何 人 士, 以 供 該 等 人 士 在 促 銷 該 等 服 務 産 品 及 促 銷 標 的 中 使 用, 而 富 邦 機 構 爲 此 用 途 須 獲 得 資 料 當 事 人 書 面 同 意 ( 包 括 表 示 不 反 對 ); (v) 富 邦 機 構 可 能 因 如 以 上 (g)(iv) 段 所 述 將 資 料 提 供 予 其 他 人 士 而 獲 得 金 錢 或 其 他 財 産 的 回 報 如 富 邦 機 構 會 因 提 供 資 料 予 其 他 人 士 而 獲 得 任 何 金 錢 或 其 他 財 産 的 回 報, 富 邦 機 構 會 於 以 上 (g)(iv) 段 所 述 徵 求 資 料 當 事 人 同 意 或 不 反 對 時 如 是 通 知 資 料 當 事 人 如 資 料 當 事 人 不 希 望 富 邦 機 構 如 上 述 使 用 其 資 料 或 將 其 資 料 提 供 予 其 他 人 士 作 直 接 促 銷 用 途, 資 料 當 事 人 可 通 知 富 邦 機 構 行 使 其 選 擇 權 拒 絕 促 銷 (h) 根 據 私 隱 條 例 規 定 及 按 其 認 可 及 發 出 的 個 人 信 貸 資 料 實 務 守 則, 任 何 資 料 當 事 人 均 有 權 : (i) 查 問 富 邦 機 構 有 否 持 有 其 資 料 及 查 閱 該 等 資 料 ; (ii) 要 求 富 邦 機 構 改 正 任 何 有 關 其 不 準 確 的 資 料 ; (iii) 查 明 富 邦 機 構 對 於 資 料 的 政 策 及 實 務 及 獲 告 知 富 邦 機 構 持 有 的 個 人 資 料 的 種 類 ; (iv) 要 求 獲 告 知 那 些 資 料 會 被 例 行 披 露 予 信 貸 資 料 服 務 機 構 或 追 討 欠 款 公 司, 並 獲 提 供 進 一 步 資 料, 藉 以 向 有 關 信 貸 資 料 服 務 機 構 或 追 討 欠 款 公 司 提 出 查 閱 和 改 正 資 料 的 要 求 ; 及 (v) 就 富 邦 機 構 向 信 貸 資 料 服 務 機 構 提 供 的 任 何 賬 戶 資 料 ( 爲 免 生 疑 問, 包 括 任 何 賬 戶 還 款 資 料 ), 於 全 數 清 還 欠 賬 後 結 束 賬 戶 時, 指 示 富 邦 機 構 要 求 信 貸 資 料 服 務 機 構 自 其 資 料 庫 中 删 除 該 等 賬 戶 資 料, 但 指 示 必 須 於 賬 戶 結 束 後 五 年 內 提 出 及 於 緊 接 終 止 信 貸 前 五 年 內 沒 有 任 何 拖 欠 爲 期 超 過 60 日 的 欠 款 賬 戶 還 款 資 料 包 括 上 次 到 期 的 還 款 額, 上 次 報 告 期 間 ( 即 緊 接 富 邦 機 構 上 次 向 信 貸 資 料 服 務 機 構 提 供 賬 戶 資 料 前 不 多 於 31 日 的 期 間 ) 所 作 還 款 額, 剩 餘 可 用 信 貸 額 或 未 償 還 數 額 及 欠 款 資 料 ( 即 過 期 欠 款 額 及 逾 期 還 款 日 數, 清 還 過 期 欠 款 的 日 期, 及 全 數 清 還 拖 欠 爲 期 超 過 60 日 的 欠 款 的 日 期 ( 如 有 )) (i) 如 賬 戶 出 現 任 何 拖 欠 還 款 情 况, 除 非 拖 欠 金 額 在 由 拖 欠 日 期 起 計 60 日 届 滿 前 全 數 清 還 或 已 撇 賬 ( 因 破 産 令 導 致 撇 賬 除 外 ), 否 則 賬 戶 還 款 資 料 ( 定 義 見 以 上 (h)(v) 段 ) 會 在 全 數 清 還 該 拖 欠 還 款 後 被 信 貸 資 料 服 務 機 構 繼 續 保 留 多 五 年 (j) 如 資 料 當 事 人 因 被 頒 布 破 産 令 而 導 致 任 何 賬 戶 金 額 被 撇 賬, 不 論 賬 戶 還 款 資 料 有 否 顯 示 任 何 拖 欠 爲 期 超 過 60 日 的 還 款, 該 賬 戶 還 款 資 料 ( 定 義 見 以 上 (h)(v) 段 )) 會 在 全 數 清 還 該 拖 欠 還 款 後 被 信 貸 資 料 服 務 機 構 繼 續 保 留 多 五 年, 或 由 資 料 當 事 人 提 出 證 據 通 知 信 貸 資 料 服 務 機 構 其 已 獲 解 除 破 産 令 後 保 留 多 五 年 ( 以 較 早 出 現 的 情 况 為 準 ) (k) 富 邦 機 構 會 不 時 就 客 戶 / 資 料 當 事 人 信 貸 額 增 加 限 制 ( 包 括 取 消 或 降 低 信 貸 額 ) 或 進 行 債 務 重 組 覆 檢 賬 戶, 有 權 就 此 查 閱 及 使 用 資 料 庫 所 編 制 的 信 貸 報 告, 以 便 富 邦 機 構 於 賬 戶 有 效 期 內 進 行 覆 檢 (l) 根 據 私 隱 條 例 之 條 款, 富 邦 機 構 有 權 就 處 理 任 何 就 查 閱 資 料 的 要 求 收 取 合 理 費 用 (m) 若 資 料 當 事 人 需 要 查 閱 或 更 正 資 料 或 關 於 資 料 政 策 及 實 務 或 資 料 種 類 等 要 求, 應 向 下 列 人 士 提 出 : 資 料 保 護 主 任 富 邦 銀 行 ( 香 港 ) 有 限 公 司 香 港 德 輔 道 中 三 十 八 號 (n) 當 富 邦 機 構 考 慮 資 料 當 事 人 的 信 貸 申 請 時, 富 邦 機 構 有 權 於 審 批 過 程 中 開 啟 及 參 考 信 貸 資 料 服 務 機 構 所 編 制 關 於 資 料 當 事 人 的 信 貸 報 告 如 資 料 當 事 人 欲 索 取 有 關 信 貸 報 告, 富 邦 機 構 將 會 告 知 有 關 信 貸 資 料 服 務 機 構 的 聯 絡 詳 情 (o) 本 通 知 並 無 限 制 資 料 當 事 人 在 私 隱 條 例 下 所 享 有 的 權 利 (p) 當 資 料 當 事 人 收 悉 本 通 知, 本 通 知 將 被 視 作 為 所 有 資 料 當 事 人 已 或 企 圖 與 富 邦 機 構 簽 訂 的 合 約 協 議 信 貸 / 貸 款 協 議 書 開 戶 文 件 及 其 它 具 約 束 力 文 件 等 的 其 中 一 部 份 * 此 通 知 內 容 以 英 文 原 文 為 準 二 零 一 三 年 四 月 BR002(C) 04/2013(e) 2

7 FUBON BANK (HONG KONG) LIMITED and/or FUBON CREDIT (HONG KONG) LIMITED (each, a Fubon Entity ) Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (the "Ordinance") and Consumer Credit Data (Effective from 1 April 2013) (a) From time to time, it is necessary for customers and various other individuals (including without limitation applicants for banking services and credit facilities, sureties and persons providing security or guarantee for credit facilities, shareholders, directors, officers and managers of corporate customers or applicants) (collectively data subjects ) to supply a Fubon Entity 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 relevant Fubon Entity 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 data subjects in the ordinary course of the continuation of the banking relationship, for example, when data subjects write cheques or deposit money or effect a banking transaction or effect a financial transaction at an automated teller machine or generally communicate in writing or verbally with the relevant Fubon Entity by means of documentation or telephone recording system. (d) The purposes for which data relating to data subjects may be used are as follows: - (i) the daily operation of the securities, banking and financial services and credit facilities provided to data subjects; (ii) conducting credit checks or performing credit assessment 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; (iii) creating and maintaining the Fubon Entity s credit scoring models; (iv) assisting other financial institutions to conduct credit checks and collect debts; (v) ensuring ongoing credit worthiness of data subjects; (vi) designing financial services or related products for data subjects' use; (vii) marketing services, products and other subjects (please see further details in paragraph (g) below); (viii)determining amounts owed to or by data subjects; (ix) collection of amounts outstanding from data subjects and those providing security for data subjects' obligations; (x) complying with the obligations, requirements or arrangements for disclosing and using data that apply to the relevant Fubon Entity or any of its group or their respective branches or that they are 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 relevant Fubon Entity or any of its group or their respective 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; (xi) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the group of the relevant Fubon Entity 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; (xii) enabling an actual or proposed assignee of the relevant Fubon Entity, or participant or sub-participant of the relevant Fubon Entity's rights in respect of the data subjects to evaluate the transaction intended to be the subject of the assignment, participation or subparticipation; (xiii) exchanging information with merchants accepting credit cards issued by a Fubon Entity and entities with whom the relevant Fubon Entity provides co-branded credit card services; (xiv) conducting matching procedures; and (xv) purposes relating thereto. (e) Data held by a Fubon Entity relating to a data subject will be kept confidential but the Fubon Entity may provide such information to the following parties for the purposes set out in paragraph (d) above: - (i) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment, securities clearing, technology outsourcing or other services to the Fubon Entity in connection with the operation of its business; (ii) any other person under a duty of confidentiality to the Fubon Entity including a group company of the Fubon Entity 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; 1

8 (f) (iv) credit reference agencies, and, in the event of default, to debt collection agencies or solicitor firms (together, debt collection agencies ); (v) any person to whom the relevant Fubon Entity or any of its group or their respective branches is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to the relevant Fubon Entity or any of its group or their respective 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 relevant Fubon Entity or any of its group or their respective branches are expected to comply, or any disclosure pursuant to any contractual or other commitment of the relevant Fubon Entity or any of its group or their respective 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 Fubon Entity or participant or sub-participant or transferee of the Fubon Entity's rights in respect of the data subject; and (vii) (1) the Fubon Entity s group companies; (2) third party financial institutions, insurers, insurance services companies, 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 Fubon Entity and the Fubon Entity 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 Fubon Entity engages for the purposes set out in paragraph (d)(vii) above. Such information may be transferred to a place outside Hong Kong. With respect to data in connection with mortgages applied by a data subject (whether as a borrower, mortgagor or guarantor and whether in the data subject s sole name or in joint names with others) on or after 1 April 2011, the following data relating to the data subject (including any updated data of any of the following data from time to time) may be provided by the Fubon Entity, 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 data subject 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 relevant Fubon Entity for the purposes of compiling a count of the number of mortgages from time to time held by the data subject with credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively and whether in the data subject 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). (g) USE OF DATA IN DIRECT MARKETING The Fubon Entity intends to use a data subject s data in direct marketing and the relevant Fubon Entity requires the data subject 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 data subject held by the Fubon Entity from time to time may be used by the relevant Fubon Entity 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 Fubon Entity 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 Fubon Entity and/or: (1) the Fubon Entity s group companies; (2) third party financial institutions, insurers, insurance services companies, 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 Fubon Entity and the Fubon Entity 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 Fubon Entity also intends to provide the data described in paragraph (g)(i) above to all or any of the persons described in paragraph (g)(iii) above for use by them in marketing those services, products and subjects, and the Fubon Entity requires the data subject s 2

9 written consent (which includes an indication of no objection) for that purpose; (v) The Fubon Entity may receive money or other property in return for providing the data to the other persons in paragraph (g)(iv) above and, when requesting the data subject s consent or no objection as described in paragraph (g)(iv) above, the Fubon Entity will inform the data subject if it will receive any money or other property in return for providing the data to the other persons. If a data subject does not wish the Fubon Entity to use or provide to other persons his data for use in direct marketing as described above, the data subject may exercise his opt-out right by notifying the Fubon Entity. (h) Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data, any data subject has the right: - (i) to check whether a Fubon Entity holds data about him and of access to such data; (ii) to require a Fubon Entity to correct any data relating to him which is inaccurate; (iii) to ascertain the Fubon Entity's policies and practices in relation to data and to be informed of the kind of personal data held by the Fubon Entity; (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 a Fubon Entity to a credit reference agency, to instruct the relevant Fubon Entity, upon termination of an 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 Fubon Entity 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)). or the expiry of five years from the date of discharge from a bankruptcy as notified by the data subject with evidence to the credit reference agency, whichever is earlier. (k) Where the Bank has provided consumer credit which is subject to review from time to time in relation to an increase in the credit amount, the curtailing of credit (including the cancellation of credit or a decrease in the credit amount) or the putting in place or implementation of a scheme of arrangement, then in order for the Bank to conduct such reviews during the subsistence of the account, the Bank will assess and make use of a credit report from a credit reference agency. (l) In accordance with the terms of the Ordinance, a Fubon Entity has the right to charge a reasonable fee for the processing of any data access request. (m) 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 Fubon Bank (Hong Kong) Limited 38 Des Voeux Road Central, Hong Kong (n) A Fubon Entity may have obtained a credit report on the data subjects from a credit reference agency in considering any application for credit. In the event the data subjects wish to access the credit report, the Fubon Entity will advise the contact details of the relevant credit reference agency. (o) Nothing in this Notice shall limit the rights of data subjects under the Personal Data (Privacy) Ordinance. (p) This Notice shall upon a data subject's receipt, be deemed an integral part of all contracts, agreements, credit/banking facility letters, account mandates, and other binding arrangements which the data subject has entered into or intends to enter into with the Fubon Entity. April 2013 (i) 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 (h)(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. (j) In the event of any amount in an account is written off due to bankruptcy order being made against a data subject, the account repayment data (as defined in paragraph (h)(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 3 BR002(E) 04/2013(e)