附屬卡申請人必須年滿 18 歲 Supplementary Card Applicant should be aged 18 or above. 英文姓名 ( 須與香港身份證上所列相同 ) 姓 Surname English Name (as printed on HKID Card) Mr. Mr

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1 請用英文正楷填寫 申請人必須為香港居民及年滿 18 歲, 若閣下擁有多張大新銀行信用卡, 所批核之信用額將為各卡所共用 Please fill in English BLOCKS letters. Applicant must be Hong Kong resident, aged 18 or above. Applicant with multiple Credit Cards issued by Dah Sing Bank will have one approved credit limit which will be shared among all Credit Cards. 申請信用卡類別 Type Type of Credit Card Applied Card Applied 閣下現時是否大新銀行信用卡客戶? 是 否 Are you existing Dah Sing Bank Credit Card Cardholder? Yes No 本人欲申請以下信用卡.. I would like to apply below credit card: 大新英國航空白金卡 Dah Sing British Airways Platinum Card (001/107/00) 年薪須達 Annual Income:HK$150,000 ( 白金卡 Platinum Card) 賬戶號碼 Account No. 請提供閣下正確之 Executive Club 賬戶資料以確保英航里程能成功存入閣下之 Executive Club 賬戶 Please provide accurate information to ensure BA Miles are successfully transferred to your Executive Club account. 主卡申請人之 Executive Club 會員號碼 * Executive Club Membership Number of Principal Card Applicant* *( 必須填寫如閣下未能提供 ) (Mandatory Executive field) Club 會員號碼, 客戶將獲提供新號碼以作存入里程之用 New * 如未登記成為 Executive Club 會員, 請即登入 申請 membership number will be assigned for BA Mile conversion If you have not registered as Executive Club member, please if register Executive online Club at membership number is not provided. 英文姓名 ( 須與香港身份證上所列相同 ) English Name (as printed on HKID Card) 先生 Mr. 太太 Mrs. 小姐 Ms. 中文姓名 Name in Chinese 姓 Surname 大新英國航空白金卡申請表格 Dah Sing British Airways Platinum Card Application Form 個人資料 Personal Data 出生日期 Date of Birth 名 Given Name 日 D ( ) 迎新禮品 年費迎新禮品 Welcome Type Annual of Credit Fee Card Gift Applied 信用卡年費優惠..豁免首 3 年年費 (AAA) Credit Card Annual Fee Offer: First 3 Years Annual Fee Waiver (AAA) 英國航空白金卡申請人聲明 Declaration of British Airways Platinum Card Applicanton Application 請在下列適當位置填上 號 : ( 若沒有註明, 則表示閣下不同意授權大新銀行將閣下之個人資料轉送到英國航空, 而大新銀行亦將不會接受閣下之信用卡申請 ) Please put in in the appropriate box. If you do not specify your choice, it means that you do not agree to authorize Dah Sing Bank for transferring your personal data to British Airway, in which case Dah Sing Bank will not accept your credit card application.) 本人同意授權大新銀行將本人之個人資料交予英國航空以供處理本人 Executive Club 賬戶之用 本人並同意英國航空將其獲傳送的本人的個人資料作本人可能感興趣的服務或產品之市場推廣及業務發展用途 I agree to authorize Dah Sing Bank to pass details of my personal data to British Airway for the processing of my Executive Club Account. And I further consent that my personal data transferred to British Airway will be used by British Airway for the purposes of marketing promotion and business development of services / products which may be of interest to me. 本人不同意授權大新銀行將本人之個人資料轉送到英國航空 ( 若閣下不同意授權大新銀行將閣下之個人資料轉送到英國航空, 則大新銀行亦將不會接受閣下之信用卡申請 ) I do not agree to authorize Dah Sing Bank to pass details of my personal data to British Airway (If you do not agree to authorize Dah Sing Bank to pass details of your personal data to British Airway, Dah Sing Bank will not accept your credit card application.) 出生地點 Place of Birth 香港身份證 HKID(ID) 證件號碼國籍護照號碼 Passport No.(PP) Identity Nationality 其他 Other(OT) ( 如申請人並未持有香港永久性居民身份證, 請參閱 注意事項 ) ( 如申請人申報國籍並非 中國香港, 請參閱 注意事項 ) (For application who are non-hk permanent ID cardholders, please refer to "Important Notice") (For applicant who declare foreign Nationality, please refer to "Important Notice") 教育程度 大專或以上 中學 小學 其他 婚姻狀況 未婚 已婚 離婚 供養人數 Education Level Post secondary or above(t) Secondary(S) Primary(P) Others(O) Marital Status Single(S) Married(M) Divorced(D) No. of Dependents 居住地址 ( 請用英文正楷填寫 ) Residential Address (in English BLOCK letters) ( 恕不接受郵政信箱 ) (P.O.Box will not be accepted) 單位 Flat 層數 Floor 座數 Block 通訊地址 Correspondence Address 住宅電話號碼 Home Tel. No. 公司地址 (O) 居住地址 (H) Office Address Home Address 大廈名稱 / 屋邨名稱 Name of Building / Name of Estate 手提電話 / 傳呼機號碼 Mobile / Pager No. 月 M 年 Y 門牌號數 / 街道名稱 Street No. / Street Name 註 : 為向閣下提供有關信用卡的全面服務, 請填寫手提電話 號碼 若閣下未能提供有效之手提電話號碼, 部份交易類別 可能無法進行 Note: For providing full range of of credit card service in the future, please fill in the mobile number. 地區 / 國家 District / Country Please be reminded that some of the transactions may not be able to process if there is no valid mobile no. provided. 香港 九龍 新界 居住年數 H.K. Kln. N.T. Years There 本人之永久地址與上述居住地址不同 ( 請附上永久地址證明 ) If your permanent address is different from the above, please provide proof of your permanent address. 住宅 宿舍 與家人 / 親屬同住 自置物業 租賃 按揭 閣下所需負責的每月按揭供款 / 租金 : HK$ / 租金 :HK$ Residence Quarters(Q) Live with parents/relatives(p) Self-owned(O) Rented(R) Mortgage(M) Responsible Mortgage Mortgage Installment Installment / Rent / Rent Per Per Month Month 電郵地址 ( 必須填寫 ) Address (Mandatory field) ( 最多 30 個字連標點符號 Maximum 30 characters including punctuation marks ) 閣下必須提供電郵地址 若閣下未能向大新銀行 ( 本行 ) 提供電郵地址, 則本行可能不接受閣下之申請 英國航空將以電子郵件方式處理閣下之賬戶及傳送市場推廣訊息 閣下如欲更新意向, 可登入 本行日後亦將以此電郵地址通知閣下最新優惠及資訊 You 則本行可能不接受閣下之申請 must provide your address. Your failure in providing the address to Dah Sing Bank ( the Bank ) may result in this application being rejected. British Airways will use your address to administer your account and send marketing messages. You can update your preferences at The Bank will use this address for further promotional and information updates. 職業 Your Occupation 職業 Your ( Occupation 必須填寫 Mandatory field) 任職公司名稱 ( 請用英文正楷填寫 ) Name of Employer (in English BLOCK letters.) 如閣下為自資經營, 請填寫商業登記證號碼及附上商業登記證副本 If you are self-employed, please fill in Business Registration (BR) No, and attach a copy of the BR certificate. 任職公司地址 ( 請用英文正楷填寫 ) Office Address (in English BLOCK letters) 單位 Flat 層數 Floor 座數 Block 公司電話 Office Tel. 內線 ext. 大廈名稱 / 屋邨名稱 Name of Building / Name of Estate 職位 Position 門牌號數 / 街道名稱 Street No. / Street Name 地區 / 國家 District / Country 任職此行業年期 Year in Industry 年 Y 月 M 任職現公司年期 Year in Service 年 Y 月 M 香港 九龍 新界 H.K. Kln. N.T. 每月收入 HK$ Monthly Income 業務性質 Nature of Business 其他收入來源 N/D Other Income Source 56517

2 附屬卡申請人必須年滿 18 歲 Supplementary Card Applicant should be aged 18 or above. 英文姓名 ( 須與香港身份證上所列相同 ) 姓 Surname English Name (as printed on HKID Card) Mr. Mrs. Ms. 中文姓名 Name in Chinese 證件號碼 Identity 附屬卡 Supplementary Card ( 如適用 if applicable) 出生日期 Date of Birth 香港身份證 HKID(ID) 護照號碼 Passport No.(PP) 其他 Other(OT) ( 如申請人並未持有香港永久性居民身份證, 請參閱 注意事項 ) (For application who are non-hk permanent ID cardholders, please refer to "Important Notice") 日 D 名 Given Name 月 M 年 Y 與申請人關係 Relationship with Applicant 國籍 Nationality ( 如申請人申報國籍並非 中國香港, 請參閱 注意事項 ) (For applicant who declare foreign Nationality, please refer to "Important Notice") 任職公司名稱 Name of Employer 職位 Position 住宅電話號碼 Home Tel. No. 電郵地址 ( 必須填寫 ) Address (Mandatory field) 公司電話號碼 Office Tel. No. 手提電話 / 傳呼機號碼 Mobile / Pager No. ( 若閣下未能向本行提供電郵地址敬請填寫以便本行日後通知閣下最新優惠, 則本行可能不接受閣下之申請 Please fill in for futher promotional Your failure information providing the updates ) address ( 最多 30 to 個字連標點符號 the Bank may result Maximum in this 30 application characters being including rejected. punctuation marks ) 自動櫃員機服務 ATM Facilities ( 如適用 if applicable) 本人欲將信用卡一併用於自動櫃員機以處理本人以下之大新銀行賬戶 I wish to have ATM facilities on my Credit Card for my Dah Sing Bank Account(s) listed below 港元支票 / 儲蓄賬戶號碼 HKD Current/Saving Account No. 櫃員機熒幕指示用 ATM screen instruction in 英文 English(E) 中文 Chinese(C) ( 最多 30 個字連標點符號 Maximum 30 characters including punctuation marks) * 如為聯名戶口, 必須為其中一人單獨簽署有效之戶口 If such account is a joint account, the account can be operated by either account holder 主卡申請人 Principal Card Applicant 戶主簽署 * ( 請用留存大新銀行之印鑑簽署 ) Account Holder Signature* (Please use the signature field with our bank) SV 港元支票 / 儲蓄賬戶號碼 HKD Current/Saving Account No. 櫃員機熒幕指示用 ATM screen instruction in 英文 English(E) 中文 Chinese(C) 附屬卡申請人 Supplementary Card Applicant 戶主簽署 * ( 請用留存大新銀行之印鑑簽署 ) Account Holder Signature* (Please use the signature field with our bank) SV 注意事項 Important Notice ( 如適用 if applicable) 注意 : 為確保閣下之信用卡申請可獲迅速處理, 請細查下列各文件副本是否一併交回, 並於下列空格內加上 號以茲註明 Note: To ensure prompt processing of your credit card application, please check if copies of the following documents are enclosed and put a in the appropriate box(es). 閣下及附屬卡申請人 ( 如適用 ) 之香港身份證 / 護照 ( 如申請人 :(1) 並未持有香港永久居民身份證 ; 或 (2) 申報國籍並非 中國香港, 請提供香港身份證及有效護照 / 旅遊證件副本 ) Your HKID Card/Passport and that of any Supplementary Card Applicant(s) (For applicants who : (1) are not holders of Hong Kong Permanent ID Card; or (2) declare foreign Nationality, please provide copies of HKID and valid passport / travel document) 附有閣下姓名 賬戶號碼及薪酬之最近銀行月結單 / 存摺 ; 或最近之薪俸稅單 ; 或最近 1 個月之糧單 Latest bank statement / passbook showing your name, account number and salary entry; OR latest income tax demand note; OR latest 1 month's payroll slip. 閣下之商業登記證及利得稅 ( 適用於自資經營之申請人 ) Your Business Registration Certificate & profit tax demand note (for self-employed applicant) 閣下最近 3 個月之現居住地址證明, 例如 : 電費單或銀行月結單 如永久地址與住宅地址不同, 請另提供閣下之永久地址證明 ( 恕不接受電子賬單或電子月結單 ) Your latest residential proofs e.g. electricity bill or bank statement, dated within 3-months. Your permanent address proof, if permanent address is different from residential address. (Electronic bills or electronic statements are not accepted) 不論申請成功與否, 所有文件 ( 包括此申請表 ) 恕不退還 Documents supplied (including this application form) are not returnable no matter whether the application is successful or not. 申請人簽署 Signature of Card Applicant 本人 / 吾 ( 等 ) 證實上述資料均為真實 完整及確實無訛, 並授權銀行向其選擇的任何來源查證 本人 / 吾 ( 等 ) 確定本人 / 吾 ( 等 ) 已詳閱 明白並同意受到此申請表包括其所有 ( 載列於附背頁之 ) 章則及條款所約束 請注意閣下以下的選擇適用於就銀行不時給予閣下之 有關客戶資料的客戶通知 ( 該通知 ) G 項中所列出的産品 服務及 / 或標的類別的任何直接宣傳推廣 閣下亦可參閱該通知以得知在直接宣傳推廣中可使用的個人資料的種類, 以及閣下的個人資料可提供予什麽類別的人士以供該等人士在直接宣傳推廣中使用 I/We confirm that the above information is true, complete and accurate and authorize the Bank to verify this from any sources the Bank may choose. I/We confirm that I/We have read, understood and agreed to be bound by this application form including all the terms and conditions contained herein (which are set overleaf). Please note that your below choice applies to the direct marketing of the classes of products, services and/or subjects as set out in paragraph G of the Bank's Notice to Customers relating to Customers' Data ("Notice") made available by the Bank to you from time to time. 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. 本人不想接收銀行日後發出的任何宣傳推廣資料 ( 只適用於主卡申請人 ) I do not wish the Bank to use my personal data in direct marketing. (Only applicable to Principal Card Applicant) 本人欲取消超逾信貸限額之備用金額 I would like to apply for the cancellation of overlimit facilities. 註 :(1) 如閣下保留有關金額, 即表示閣下可能因總結欠超出可用信用限額而被收取 HK$/RMB180 之超逾信貸限額手續費 (2) (2) 有關設定將套用於閣下於本行之所有信用卡戶口 ( 包括主卡及名下之附屬卡 ( ) (3) 如閣下已於本行設定取消備用金額 (3), 則不論閣下於本申請表之選擇,, 有關設定將自動套用於閣下新申請之信用卡, (4) 如有任何查詢 (4) 如有任何查詢, 請聯絡本行分行職員或致電, 查詢 8168 查詢 Remarks: (1) (1) If If the the facilities are are kept, kept, in cases in cases when when your your balance balance exceeds exceeds available available credit credit limit, an limit, overlimit an overlimit handling handling charge of charge HK$/RMB180 of HK$/RMB180 may be levied. may (2) be The levied. setting (2) will The apply setting to all will of apply your credit to all card of accounts your credit at our card Bank accounts (including at our principal Bank card (including and supplementary principal card card and under supplementary the principal card). under (3) If you the have principal already card). cancelled (3) If you the facilities have already before, cancelled the setting the will facilities automatically before, apply the to setting your newly will applied credit automatically card, no matter apply the to your choice newly you make applied on this credit form. card, (4) no For matter any enquiries, the choice please you contact make our on branches this form. or (4) call For 2828 any enquiries, please contact our branches or call 主卡申請人簽署 Signature of Principal Card Applicant 日期 Date 附屬卡申請人簽署 Signature of Supplementary Card Applicant 日期 Date DEC FULL Y / N SIG1 SIG2 CR CC BR SOC SV Remarks SC CH Full Doc R Y N F Urgent 56517

3 大新信用卡持卡人合約之主要使用條款客戶須特別注意下列主要條款之重要性及其責任 : (1) 持卡人在收取信用卡時須即時在卡上簽署 (2) 信用卡及其私人密碼必須妥善存放及保密以防止詐騙及被非授權人使用或被披露 如有違犯, 持卡人須為所有交易負上全部責任 (3) 持卡人須支付月結單上之到期最低付款額, 如不遵從, 銀行會收取罰款 (4) 如遇違約的情況, 持卡人必須全責支付銀行在追收行動中之合理律師及其他費用 (5) 在涉及詐騙或顯著疏忽的情況下, 持卡人須負責銀行承受的一切損失 (6) 假若持卡人在合理可行情況下儘快向銀行報告任何信用卡之遺失或被竊並已小心及真誠地行事, 及在沒有涉及詐騙或顯著疏忽的情況下, 持卡人最高之責任將不超過港幣 500 元 (7) 每月結賬單將在其發出日期起計 60 天後為有效及有決定性, 除非持卡人在此期間內通知銀行有關任何非授權之交易 (8) 銀行有權可以在沒有事前通知情況下, 抵銷或轉移持卡人在銀行任何性質之戶口內之任何存款, 用作清還所有使用信用卡之欠款 (9) 主卡持有人須要為附屬卡持有人及其名下所有八達通自動增值賬戶 ( 包括但不限於 合家歡 八達通自動增值賬戶 ) 對銀行之欠數負責, 而附屬卡持有人則不用為主卡持有人或其他附屬卡持有人的欠數負責 但附屬卡持有人必須為其附屬卡戶口對銀行之所有欠數負責 (10) 儘管或有任何相違的條款, 銀行保留凌駕權利向持卡人作即時還款之要求 (11) 假若持卡人不接受銀行在 持卡人合約 條款所作出的任何修改, 持卡人可在修改生效日前終止信用卡服務 (12) 信用卡不可用作任何非法用途, 包括支付任何非法賭博 (13) 持卡人如對於清還或繳付任何欠款或款項有任何困難, 應立即以書面通知銀行 銀行提議客戶細閱有關條款之全文 條款可在銀行的任何分行索取 請注意信用卡之使用及信用卡戶口之操作均受制於持卡人合約不時有效的條款, 持卡人同意 信用卡 之申請 ( 不論口頭上或以書面形式 ), 或在信用卡上之簽署或行使 ( 不論他有否簽收該 信用卡 ) 後其會受到約束 中 英文版本如有歧異, 一概以英文為準 大新銀行有限公司 ( 銀行 ) 聲明及協議 致 : 大新銀行 ( 銀行 ) 本人 / 吾 ( 等 ) 證實上述資料全部完整及確實無訛, 並同意授權銀行向任何方面查證 本人 / 吾 ( 等 ) 明白在此申請中蓄意作出虛假陳述意圖欺騙, 本人 / 吾 ( 等 ) 可能會受到刑事檢控 本人 / 吾 ( 等 ) 同意授權銀行將本人 / 吾 ( 等 ) 之資料交予任何信貸服務機構或財務機構或從其獲取有關資料以作信貸審查用途 本人 / 吾 ( 等 ) 明白必須向銀行提供以上要求的資料以供銀行處理本人 / 吾 ( 等 ) 之申請 若本人 / 吾 ( 等 ) 未能向銀行提供上述資料, 則銀行可能不接受本人 / 吾 ( 等 ) 之申請 本人 / 吾 ( 等 ) 可接觸銀行之信用卡客戶服務部要求查閱及要求修改上述資料而銀行有權收取手續費 藉著使用銀行發出之信用卡, 本人 / 吾 ( 等 ) 同意或會被視為同意完全遵守大新信用卡持卡人合約 ( 該合約 ) 之條款, 該合約將在申請獲得批准後與卡一併發出給本人 / 吾 ( 等 ) 本人 / 吾 ( 等 ) 明白並同意銀行有權要求本人 / 吾 ( 等 ) 呈交其他文件及拒絕此申請而毋須提供理由 本人 / 吾 ( 等 ) 明白並同意就使用銀行發出之信用卡須向銀行支付載列於以下 信用卡資料概要 中的利率 財務費用及費用 ( 收費 ) 本人 / 吾 ( 等 ) 明白並同意銀行有權根據本人 / 吾 ( 等 ) 其他資料而決定審批有關年利率及信用額予本人 / 吾 ( 等 ) 本人 / 吾 ( 等 ) 明白並同意銀行有權因應市場情況而修訂本行發出之信用卡之優惠及收費, 而透過 e-banking 網上理財服務以本行發出之信用卡扣數繳交賬項之手續費為繳款金額之 1%( 只適用於須預先登記之商戶 ) 本人 / 吾 ( 等 ) 聲明本人 / 吾 ( 等 ) 名下由任何金融機構發出之信用卡及其他貸款 ( 有抵押或無抵押 ), 從沒有因欠賬而被取消, 並聲明本人 / 吾 ( 等 ) 現於其他金融機構之貸款欠款 ( 包括信用卡及其他貸款 ) 並沒有逾期還款超過 10 天, 本人 / 吾 ( 等 ) 再聲明本人 / 吾 ( 等 ) 從沒有被頒佈破產令或被作出任何種類的重整債務還款計劃, 本人 / 吾 ( 等 ) 亦沒有進行申請破產或任何種類的重整債務還款計劃, 及沒有意圖申請破產或債務重組 假如申請表以傳真方式傳送, 銀行將有權視收到之傳真本在任何方面皆為真確及對本人 / 吾 ( 等 ) 有約束力 如透過電話申請, 銀行有權以本人 / 吾 ( 等 ) 與客戶服務員之對話在任何方面皆為真確及對本人 / 吾 ( 等 ) 有約束力 如本人 / 吾 ( 等 ) 與銀行之董事或僱員有任何親屬關係, 本人 / 吾 ( 等 ) 定當以書面通知銀行 本人 / 吾 ( 等 ) 確定本人 / 吾 ( 等 ) 已詳閱, 明白並同意受到此申請表包括其所有章則及條款及 有關客戶資料的客戶通知 所約束 若本文件之中英文本有任何歧異, 概以英文本為準 有關 Executive Club 之條款及細則 1. 本行將根據客戶所提供之 Executive Club 賬戶號碼存入由合資格交易所獲享之 Avios, 如所提供之賬戶號碼有誤而導致銀行未能成功存入 Avios, 本行恕不承擔任何責任及不會補發有關 Avios 2. 如客戶於申請時並未提供 Executive Club 賬戶號碼, 本行將不會接受閣下之信用卡申請 3. 如客戶於信用卡使用後更改 Executive Club 賬戶, 為了讓其後所獲享之 Avios 能有效存入客戶所要求之 Executive Club 賬戶, 客戶需就有關更放向本行提供最少一個月通知 如因客戶未向本行提出有關通知而導致本行未能成功存入 Avios, 本行恕不承擔任何責任及不會補發有關 Avios 4. 英國航空將就所有有關 Executive Club 之事宜負責, 惟不承擔有關大新英國航空信用卡的任何責任 本行恕不會對 Executive Club 之事宜承擔任何責任 5. Avios 將於信用卡月結單發出後 4-6 個星期存入 Executive Club 賬戶內, 而有關信用卡賬戶必須於本行為客戶兌換 Avios 當天仍為有效及信用狀況良好 6. 當本行完成存入 Avios 予客戶 Executive Club 賬戶後, 本行將不會就有關 Avios 之兌換承擔任何責任 7. 客戶需受 Executive Club 及本行信用卡有關 Avios 之條款及細則所限制 Executive Club 及本行信用卡之條款及細則如不一致, 一概以 Executive Club 之條款及細則為準 有關 Executive Club 之條款可隨時更改而毋須事先通知 一般條款及細則 1. 憑大新英國航空信用卡作合資格之零售簽賬每滿 HK$6, 可賺取 6 分積分, 並自動兌換為 1 Avios 客戶所獲得之積分將於每個月賬單截數日自動轉為 Avios 享用 Avios 自動轉換服務, 主卡客戶必須同時為 Executive Club 會員 主卡及附屬卡客戶月結單上之簽賬金額所得之積分總和將分別兌換為 Avios, 而主卡及附屬卡客戶所兌換之 Avios 將合併並誌賬於主卡之 Executive Club 賬戶內 所得之積分將以信用卡月結單上每項零售簽賬的整數值 ( 小數位將不計算在內 ) 計算, 若兌換所得之 Avios 出現小數位, 一律調低為整數單位 2. 兌換 Avios 之合資格交易包括零售簽賬及 八達通自動增值 金額, 但並不適用於以下交易, 包括但不限於現金透支 自動轉賬 開心消費分期 計劃金額 信用卡兌現計劃金額 分行易兌現 結欠轉賬金額 股票投資儲蓄計劃 網上繳費 Net 繳費金額 繳費易 繳費金額 交稅金額 免息分期交易金額 信用卡支票服務交易 ( 如適用 ) 銀行手續費 ( 包括但不限於繳交年費 財務費用 逾期罰款及現金透支手續費等 ) 籌碼兌換 未誌賬 / 取消 / 退回及所有未經授權之交易 3. 海外簽賬包括在海外以港幣或外幣之簽賬, 在香港以外幣之簽賬及於非香港登記之商戶之簽賬 ( 有關收費請參閱 大新信用卡 / 扣賬卡服務費用一覽表 ) 4. 客戶透過大新英國航空白金卡於英國航空公司網上購買英國航空機票可享雙倍 Avios 優惠 簽賬每滿 HK$6, 可享 2 Avios 雙倍 Avios 只適用於附有英國航空字首號碼之英國航空機票, 惟不適用於英國航空特許經營 代號共享航班或其他成員航空公司所營運的航班 5. 有關 寰宇一家 之詳情, 請瀏覽 6. Avis 租車優惠由英國航空提供, 並由有關條款及細則所約束, 詳情請參閱 7. 開心消費分期 計劃申請適用於 HK$800( 或等值之外幣 ) 或以上交易, 交易可合併計算 所有合併簽賬單據須屬同一信用卡賬戶及每項交易不可少於 HK$300 客戶須於簽賬日起至到期繳款日的前 10 個工作天內作出申請 ( 有關申請並須為最近 2 個月內之簽賬 ), 並須保留有關簽賬單據以茲證明 欲查詢每月手續費及其相關實際年利率, 請瀏覽 此計劃並不能享獲 有分共享 即刻有錢分 / 現金回贈 里數獎賞 及任何積分獎賞計劃優惠 本行有權決定批核申請與否而毋須提供理由 如有任何爭議, 本行保留最終決定權 本計劃將受 開心消費分期 計劃之條款及細則所約束 而有關條款可於 下載或致電大新信用卡客戶服務熱線 索取 8. 信用卡兌現計劃只適用於主卡客戶, 並不適用於附屬卡客戶 此計劃並不能享獲 有分共享 即刻有錢分 / 現金回贈 里數獎賞 及任何積分獎賞計劃優惠 本行將收取相等於批核金額的一個百分比作為每月手續費, 而該手續費之百分比得由本行隨時變更 此計劃須受有關條款及細則約束 欲查詢最新每月手續費及其相關實際年利率, 請參考本行最新宣傳單張 此計劃只適用於本地個人銀行戶口, 而聯名戶口 信用卡戶口 貸款戶口及透支戶口並不適用 9. 若客戶於新卡開戶後 13 個月內取消主卡, 本行保留於信用卡戶口內扣除 HK$300 手續費之權利, 而毋須事先通知 10. 本行及英國航空公司保留隨時更改本條款及細則及 / 或更改或取消優惠的權利而毋須事先通知 11. 如有任何爭議, 本行及英國航空公司及有關參與商戶保留最終決定權 12. 本條款及細則之中 英文版本如有歧異, 一概以英文為準

4 信用卡資料概要 利率及財務費用零售交易的實際年利率 *: 當你開立信用卡戶口時為 33.22%, 而本銀行會不時作出檢討 若閣下在月結單 到期繳款日 前清付 月結單總結欠, 本銀行將不徵收任何財務費用 否則,(i) 本銀行將根據當時之利率, 以每日計算, 向閣下之信用卡賬戶之未償款項由甘期月結單 到期繳款日 起徵收財務費用直至所有結欠全部清還為止以及 所有新交易之金額由有關的新交易之過賬日期起計, 即使該新交易未到期清還 現金透支的實際年利率 *: 當你開立用卡戶口時為 36.43%, 而本銀行會不時作出檢討 透支現金財務費用之計算方法由透支現金當日起, 以透支總額按利率每日計算直至現金透支之金額全部清還為止 逾期還款的實際年利率 *:40.77%( 零售交易 ) 及 44.90%( 現金透支 ) 若閣下於過往 12 個內有 2 次或以上之逾期還款紀錄, 財務費用將以上述之利率計算 免息還款期 : 長達 60 日最低還款額 : 銀行服務費用 財務費用之全數金額及交易結欠之 1% 之總和或最低為 HK$50( 以較高者為準 ) 費用 年費 : 白金卡 HK$1,500( 每張附屬卡為 HK$750) 現金透支手續費 : 透支金額的 3.5% 或最低 HK$100( 以較高者為準 ) 外幣交易收費 : 於海外及本地的外幣交易金額之 1.95% 跨境港幣交易收費 : 於海外以港幣進行之交易或於非香港登記之商戶以港幣交易金額之 0.80% 逾期費用 :HK$250 或金額相等於該期月結單之最低還款額 ( 以較低者為準 ) 超逾信貸限額手續費 : 每次 HK$180( 每個銀行卡戶口每期月結單最多收取一次 ) 註 :* 實際年利率乃根據銀行營運守則指引, 採取淨現值法計算 有關客戶資料的客戶通知 (2013 年 1 月 ) (a) 客戶在申請開立戶口, 延續戶口及建立或延續銀行信貸或要求銀行提供銀行服務時, 需要不時向大新銀行有限公司 ( 銀行 ) 提供有關的資料 (b) 若未能向銀行提供有關資料會導致銀行無法開立或延續戶口或建立或延續銀行信貸或提供銀行服務 (c) 在客戶與銀行的正常業務往來過程中, 銀行亦會收集到客戶的資料, 例如, 一般當客戶開出支票或存款時 (d) 有關的客戶資料將可能會被銀行或該等資料的接收人用於下列用途 :- (i) 為提供服務, 包括自動櫃員機提款卡服務, 和信貸便利給客戶之日常運作 ; 於客戶申請信貸時及於每年 ( 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) 編制及維持銀行的信貸評分模式 ; (iv) 協助其他財務機構 信用卡或消費卡發行公司及收數公司作信貸檢查及收數 ; (v) 確保客戶的信用維持良好 ; (vi) 為客戶設計財務服務或有關產品 ; (vii) 推廣服務 產品及其他標的 ( 詳情請參閱以下 (g) 段 ); (viii) 確定銀行對客戶或客戶對銀行的債務 ; (ix) 向客戶及為客戶提供擔保或抵押的人仕追收欠款 ; (x) 履行根據下列適用於銀行或其任何分行或銀行或其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 ( 香港 ) 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) 銀行或其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) 遵守大新金融集團有限公司同一集團的公司 ( 大新金融 ) ( 就本通知而言包括大新金融集團有限公司及全部其於本地及海外附屬公司, 不論直接或間接擁有 ) 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銀行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) 進行配對程序 ; (xiii) 使銀行的實在或建議承讓人, 或銀行對客戶的權利的參與人或附屬參與人評核意圖成為轉讓, 參與或附屬參與的交易 ; 及 (xiv) 與上述有關的用途 (e) 銀行會把客戶的資料保密, 但銀行可能會把有關資料提供給下述各方作第 (d) 段列出的用途 :- (i) 任何中間人 承包商 或提供行政 電訊 自動櫃員機 / 電子資金轉帳服務 電腦, 支付或證券結算或其他和銀行業務運作有關的服務的第三者服務供應人 ; 銀行的任何分行 附屬公司 控股公司 有聯繫公司或相關聯成員 ; (iii) 任何對銀行有保密責任的人, 包括對銀行有保密資料承諾的及與大新金融同一集團的公司 ; (iv) 付款銀行向出票人提供已付款支票的副本 ( 而其中可能載有關於收款人的資料 ); (v) 信貸資料服務機構 ; 而在客戶欠賬時, 則可將該等資料提供給收數公司 ; (vi) 銀行或其任何分行根據對銀行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銀行或其任何分行遵守的任何指引或指導, 或根據銀行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 ; (vii) 提供或擬提供擔保或第三方保證以擔保或保證客戶的責任的任何一方 (viii) 任何銀行的實在或建議受讓人或參與人或附屬參與人或銀行對客戶的權利的受讓人 ; 及 (ix) (1) 大新金融的集團公司 ; (2) 第三方金融機構 保險商 信用卡公司 證券及投資服務供應商 ; (3) 第三方回贈 客戶獎勵或優惠計劃供應商 ; (4) 銀行的聯營夥伴及大新金融的集團公司 ( 該等聯營夥伴的名稱載於相關服務及產品 ( 視乎情況而定 ) 的申請表及 / 或宣傳單張 / 海報中 ); (5) 慈善或非牟利機構 ; 及 (6) 銀行為 (d)(vii) 段所列出的任何用途而聘用的外聘服務供應商 ( 包括但不限於代客寄件中心 電訊公司 電話推廣及直銷公司 通訊中心 資料處理公司及資訊科技公司 ) 該等資料可轉傳至香港以外的地方 (f) 就客戶 ( 不論以借款人 按揭人或擔保人身分, 以及不論以客戶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, 銀行可能會把下列客戶資料 ( 包括不時更新任何下列資料的資料 ) 以銀行及 / 或代理人的名義提供予信貸資料服務機構 : (i) 全名 ; 就每宗按揭的身分 ( 即作為借款人 按揭人或擔保人, 及以客戶本人單名或與其他人士聯名方式 ); (iii) 香港身分證號碼或旅遊證件號碼 ; (iv) 出生日期 ; (v) 通訊地址 ; (vi) 就每宗按揭的按揭帳戶號碼 ; (vii) 就每宗按揭的信貸種類 ; (viii) 就每宗按揭的按揭帳戶狀 ( 如有效 已結束 已撇帳 ( 因破產導致除外 ) 因破產令導致已撇帳); 及 (ix) 就每宗按揭的按揭帳戶結束日期 ( 如適用 ) 信貸資料服務機構將使用上述由銀行提供的資料統計客戶 ( 分別以借款人 按揭人或擔保人身分, 及以客戶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 ( 須受根據個人資料 ( 私隱 ) 條例 ( 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銀行擬把客戶資料用於直接促銷, 而銀行為該用途須獲得客戶同意 ( 包括表示不反對 ) 就此, 請注意 : (i) 銀行可能把銀行不時持有的客戶姓名 聯絡資料 產品及服務組合資料 交易模式及行為 財務背景及人口統計數據用於直接促銷 ; 可用作促銷下列類別的服務 產品及促銷標的 : (1) 財務 保險 信用卡 銀行及相關服務及產品 ; (2) 獎賞 客戶或會員或優惠計劃及相關服務及產品 ; (3) 銀行的聯營夥伴提供之服務及產品 ( 該等聯營夥伴的名稱載於相關服務及產品 ( 視乎情況而定 ) 的申請表及 / 或宣傳單張 / 海報中 ); 及 (4) 為慈善或非牟利機構用途的捐款及捐贈 ; (iii) 上述服務 產品及促銷標的可能由銀行及 / 或下列各方提供或 ( 就捐款及捐贈而言 ) 徵求 : (1) 大新金融的集團公司 ; (2) 第三方金融機構 保險商 信用卡公司 證券及投資服務供應商 ; (3) 第三方回贈 客戶獎勵或優惠計劃供應商 ; (4) 銀行及大新金融的集團公司的聯營夥伴 ( 該等聯營夥伴的名稱載於相關服務及產品 ( 視乎情況而定 ) 的申請表及 / 或宣傳單張 / 海報中 ) 提供的服務及產品 ; 及 (5) 慈善或非牟利機構 ;

5 (iv)* 除由銀行促銷上述服務 產品及促銷標的以外, 銀行亦擬將以上 (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 產品及促銷標的中使用, 而銀行為此用途須獲得客戶書面同意 ( 包括表示不反對 ); (v)* 銀行可能因如以上 (g)(iv) 段所述將資料提供予其他人士而獲得金錢或其他財產的回報 如銀行會因提供資料予其他人士而獲得任何金錢或其他財產的回報, 銀行會於以上 (g)(iv) 段所述徵求客戶同意或不反對時如是通知客戶 如客戶不希望銀行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, 客戶可通知銀行行使其選擇權拒絕促銷 註 *: 以上 (g)(iv) 及 (g)(v) 段會於銀行通過其網站公佈的日期才生效 (h) 根據條例及 個人信貸資料實務守則, 以及任何由私隱專員香港金融管理局或其他監管機構所發出之法例或守則, 任何客戶有權 :- (i) 審查銀行是否持有他的資料及有權查閱有關的資料 ; 要求銀行改正有關他不準確的資料 ; (iii) 查悉銀行對於資料的政策及實際運用及獲告知銀行持有關於他的何種資料 ; (iv) 要求獲告知哪些資料是通常會向信貸資料服務機構或收數公司披露的, 以及獲提供進一步資料, 藉以向有關信貸資料服務機構或收數公司提出查閱和改正資料要求 ; (v) 就銀行向信貸資料服務機構提供的任何帳戶資料 ( 為免生疑問, 包括任何帳戶還款資料 ), 於全數清還欠帳後結束帳戶時, 指示銀行要求信貸資料服務機構自其資料庫中 除該等帳戶資料, 但指示必須於帳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帳期超過 60 日的欠款 帳戶還款資料包括上次到期的還款額, 上次報告期間 ( 即緊接銀行上次向信貸資料服務機構提供帳戶資料前不多於 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, 及全數清還拖欠帳期超過 60 日的欠款的日期 ( 如有 )) (i) 如帳戶出現任何拖欠還款情, 除非拖欠金額在由拖欠日期起計 60 日 滿前全數清還或已撇帳 ( 因破產令導致撇帳除外 ), 否則帳戶還款資料 ( 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) 如客戶因被頒布破產令而導致任何帳戶金額被撇帳, 不論帳戶還款資料有否顯示任何拖欠帳期超過 60 日的還款, 該帳戶還款資料 ( 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, 或由客戶提出證據通知信貸資料服務機構其已獲解除破產令後保留多五年 ( 以較早出現的情況為準 ) (k) 銀行可為信貸審核用途不時查閱信貸資料服務機構的資料庫 而該等審核或牽涉銀行對下列事項的考慮 : (i) 增加信貸限額 ; 對信貸作出限制 ( 包括取消或減少信貸限額 ); 或 (iii) 對有關客戶安排或實行債務償還安排 (l) 根據條例的規定, 銀行有權就處理任何提出查閱資料的要求收取合理費用 (m) 任何關於資料查閱或改正資料, 或關於資料政策及實際應用或資料種類的要求, 請聯絡 :- 資料保障主任大新銀行有限公司香港郵政信箱 333 號傳真 : (n) 銀行可為考慮任何信貸申請, 向信貸資料服務機構索取客戶的信貸報告 如客戶欲查閱信貸報告, 銀行可告知相關信貸資料服務機構的聯絡資料 (o) 客戶 一詞包括借貸人及擔保人, 其本人或該有限公司 ( 及後者之董事 股東或公司人員 ) 或非屬法人團體 ( 獨資者或其合夥人 ) 信貸 意指個人信貸及商業信貸 ( 包括分期租購或租用 ) 文中提及之單一性別包括其他性別, 而單數詞包括雙數詞 (p) 本文並不限制客戶根據條例所擁有之權利 有關晶片卡 / 磁帶卡服務供應商事宜為進一步提升服務質素及效率, 大新銀行很高興宣佈金邦達數據有限公司 (" 金邦達 ") 成為大新銀行的晶片卡 / 磁帶卡壓印及個人化服務供應商 金邦達是國內智能卡行業的領軍企業之一, 自 1993 年成立以來便一直專注於提供智能安全支付整體解決方案 發卡設備及軟件, 以及個人化數據處理 我們相信這個全新的合作關係能令大新銀行更有效地為客戶提供高質素的銀行服務 大新銀行會於披露或轉移任何個人資料時, 遵守個人資料 ( 私隱 ) 條例 ( 第 486 章 ) 所訂定之保障個人資料原則及有關之規定, 金邦達亦會採取嚴密保安措施以確保客戶的個人資料在晶片卡 / 磁帶卡壓印及個人化程序中絕對保密 然而, 大新銀行或金邦達可能須按照任何適用法律或法規的要求, 或遵從監管或其他管理機構 ( 包括但不限於政府部門 司法機關或稅務機關 ) 所發出的任何指引, 向有關人士披露或提供客戶的個人資料 閣下如有任何查詢, 請於辦公時間內聯絡我們的分行職員或致電 查詢 文義如有歧異, 以英文版本為準 Major Terms and Conditions of Dah Sing Credit Card Cardholder Agreement Customers' attention is drawn to the following major terms and conditions which impose significant liabilities on Cardholder. (1) Cardholder should sign the Card immediately upon receipt. (2) The Card and its Personal Identification Number ("PIN") should be kept safe and secret to prevent fraud and unauthorised use or disclosure. Failure to observe the above will result in full responsibility for all transactions. (3) Cardholder is obliged to pay the minimum payment due on time as shown in the monthly statement and there will be penalty charge if the required minimum is not made. (4) In case of default, Cardholder will be fully liable to reimburse fees and other expenses reasonably incurred in recovery actions. (5) In case of fraud and gross negligence, Cardholder shall be responsible for all losses suffered by the Bank. (6) If Cardholder reports any loss or theft of the Card as soon as reasonably practicable and had acted diligently and in good faith without involving fraud or gross negligence, the maximum liability shall not exceed HK$ (7) The monthly statement of account shall be final and conclusive 60 days after its issue unless Cardholder reports any unauthorized transactions within that period. (8) The Bank shall have the right without prior notice to set off or transfer any monies standing to the credit of Cardholder's bank accounts of whatsoever description towards discharge of all sums due to the Bank in connection with the use of the Card. (9) The Principal Cardholder will be responsible for the debts of the Supplementary Cardholder and the debts incurred from the accounts with Octopus Automatic Add-Value Service (including but not limited to "Happy Family" Octopus Automatic Add-Value Account). The Supplementary Cardholder shall not be responsible for the debts of the Principal Cardholder or other Supplementary Cardholder. But Supplementary Cardholder shall be held liable by the Bank for the debts of the Supplementary Card in his/her own name. (10) Notwithstanding any term to the contrary, the Bank reserves the over-riding right to repayment ON DEMAND. (11) Cardholder can terminate the card service if he or she does not accept any amendments to the terms and conditions proposed by the Bank and before the effective date. (12) The Card shall not be used for any unlawful purposes including payment for any illegal betting. (13) Cardholder shall inform the Bank as soon as possible of any difficulty in repaying any outstanding balance to the Bank. Customers are nonetheless advised to read the full terms and conditions. A copy of the terms and conditions is readily available to customers who may collect it from any branches of the Bank. Please note that the use of the Card and the operations of the Card are subject to the terms and conditions of the Cardholder Agreement from time to time in force and Cardholder agrees to be bound by his/her application (whether made verbally or signed) and by his/her signature on or use of the Card (whether or not he/she has acknowledged receipt of the Card). In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail. Dah Sing Bank, Limited ( The Bank ) Declaration and Agreement To: Dah Sing Bank (the Bank ) I/We confirm that the above information is true, complete and correct and authorize the Bank to verify this from any source the Bank may choose. I/We understand that if I/we knowingly make any false statement in my/our application with an intention to deceit, I/we may be liable for criminal prosecution. I/We agree to authorize the Bank to pass details of my/our personal data to or obtain the same from any credit reference agencies or other financial institutions at the discretion of the Bank for credit assessment. I/We understand that it is necessary for me/us to supply the data requested above to the Bank in order for the Bank to process my/our application. My/Our failure in providing any of the above data to the Bank may result in this application being rejected. I/We may always contact the Credit Card Customer Service Department of the Bank to gain access to and request correction or amendment to the above data while the Bank reserves the rights to charge me/us handling fee. By using the credit card(s) issued by the Bank (the Card(s) ), I/We agree or are deemed to have agreed to be bound by the terms and conditions of Dah Sing Credit Card Cardholder Agreement, a copy of which will be sent to me/us with the Card(s) upon approval of this application. I/We agree that the Bank reserves the rights to request other supporting documents or reject my/our application without giving reason. I/We understand and agree to the use of the Card(s) shall be subject to the payment of interest rates, finance charges and fees (the Charges ) set out in the Key Facts Statement of Credit Card below. I/We understand and agree that the Bank holds the right to approve the interest rate and credit limit according to my/our other information. I/We understand and agree that the Bank reserves the rights to revise the offers and the Charges of the Card(s) according to the market situation. Handling fee for e-banking bill payment via the Card(s) is 1% of the bill payment amount (applicable to pre-registered merchants only). I/We declare that no credit card or loan (secured

6 or unsecured) under my/our name(s) issued by any financial institutions has been cancelled due to default in payment, and there is no current overdue payment exceeding 10 days in respect of my/our loan indebtedness (including credit card and any loans) with other financial institutions. I/We further declare that no bankruptcy order or any kind of restructured debt repayment plan has ever been made against me/us and I/We am/are not in process of petitioning for bankruptcy or any kind of restructured debt repayment plan, nor have any intention so to do. In case this application form is sent by fax, the Bank shall be entitled to treat the faxed copy received as true and correct in all respects and shall be binding on me/us. Where any application is made by telephone, the Bank shall be entitled to treat such communication as made or fully endorsed by and binding on me. I/We agree to inform the Bank in writing if I/We have any relationship with any of the Bank's directors or employees. I/We confirm that I/We have read, understood and agreed to be bound by this application form including all the terms and conditions and Notice to Customers relating to Customers Data contained herein. In case of any discrepancy between the English and Chinese versions of this document, the English version shall prevail. Terms and Conditions relating to Executive Club 1. The Bank will credit Avios earned on qualifying transactions to the Cardholder's Executive Club Account to the Executive Club membership number provided by the Cardholder. If the relevant Avios fail to be credited due to an incorrect Executive Club membership number provided by the Cardholder, the Bank will not be held liable and will not re-credit the relevant Avios. 2. If the Cardholder is unable to provide an Executive Club membership number at the time of card application, the Bank will not accept your credit card application. 3. If the Cardholder changes his/her Executive Club account after the credit card has been used, the Cardholder must inform the Bank within at least 1 month of the change in order to get the Avios. The Bank will not be held liable and will not re-issue the relevant Avios if the Cardholder does not provide updated information in such case. 4. British Airways shall have sole responsibility for the Executive Club but excludes any responsibility or liability for the Dah Sing British Airways Credit Card. The Bank will not be held liable for any service provided by the Executive Club. 5. The Avios will be credited to the Cardholder's Executive Club account within 4-6 weeks after the issuance of Credit Card statement and the Cardholder's Credit Card account must be valid and in good standing at the time when the Bank awards the Avios to the Cardholder. 6. After the Bank credits Avios to Cardholder's Executive Club account, the Bank will not hold any responsibility towards the Avios converted. 7. Cardholders are subject to the terms and conditions of the Executive Club and the Bank's Credit Card Terms and Conditions relating to Avios. In case of inconsistency on the related terms between the Executive Club and / or the Bank's Credit Card Terms and Conditions, the Executive Club terms shall prevail. The Executive Club program offer is subject to change without further notice. General Terms and Conditions 1. For every HK$6 of spend on qualifying retail transactions by Cardholders, 6 bonus points will be earned which will be automatically converted to 1 Avios. The bonus points will be automatically converted to Avios on the statement date of every month. To be eligible for auto-conversion, Principal Cardholder must also be an Executive Club member. The total bonus points earned for Principal Card and Supplementary Card will be calculated and converted to Avios separately. The Avios thus earned will be credited to the Principal Cardholder's Executive Club account. Bonus point will be calculated based on each retail transaction (calculated up to the last integer) shown on the Credit Card monthly statement. Any Avios beyond the decimal place after conversion will not be accumulated. 2. Qualifying transactions for Avios conversion includes retail transactions and Octopus AAVS amount only, but excludes the following transactions, including but not limited to cash advance, autopay, "Happy Installment" installment amount, Cash-in Plan amount, Branch Cash-in, balance transfer amount, Stocks Investment Savings Plan, "Payeasy" bill payment amount, "Jet Payment" payment amount, tax payment, interest-free monthly installment amount, cheque payment (if applicable), bank handling fee (including but not limited to annual fee, financial charge, late fee and cash advance handling fee etc), casino transactions, unposted / cancelled / refunded and all unauthorized transactions. 3. Overseas transactions include transactions in Hong Kong Currencies or Foreign Currencies made outside of Hong Kong, transactions in Foreign Currencies made in Hong Kong and transactions at any merchant not registered in Hong Kong. (Please refer to List of Service Charges for Dah Sing Credit Card / Debit Card for the relevant changes). 4. Double Avios will be awarded to Cardholders who purchase British Airways tickets online with their Dah Sing British Airways Platinum Card. Cardholders will be entitled to 2 Avios for every HK$6 of spend. Avios will be only awarded on flight tickets that have a British Airways prefix flight number, and will not be awarded for bookings made on British Airways franchise, codeshare or alliance airlines. 5. For details of the oneworld alliance, please visit 6. The Avis Car Rental Offer is offered by British Airways and is bound by related terms and conditions, please visit details. 7. Happy installment Plan is only applicable to transaction(s) valued at HK$800 or above (or equivalent in foreign currencies), and applies to combined transaction. All combined transactions must be made under the same Credit Card account and each sales slip amount must be at least HK$300. Cardholder must apply at least 10 working days before payment due date of the transaction(s), as printed on the monthly statement (transaction(s) must be made within recent 2 months for such application) and keep the relevant sales slips for proof. Please refer to for the monthly handling fee and its respective Annualized Percentage Rate ( APR ). Happy Installment Plan is not eligible to Credit Card Bonus Point Scheme, Instant Cash Reward / Cash Rebate, Mileage Program and any other Bonus Point Reward Program. The Bank reserves the right to accept or reject the application without the need to provide reasons. In case of any disputes, the decisions of the Bank shall be final. The Plan shall be subject to the terms and conditions of Happy Installment Plan. The relevant terms and conditions can be downloaded from or available through contacting Dah Sing Credit Card Centre Customer Service Hotline at Credit Card Cash-In Plan is only applicable to Principal Cardholder and is not applicable to Supplementary Cardholder(s). Credit Card Cash-In Plan is not eligible to Credit Card Bonus Point Scheme, Instant Cash Reward / Cash Rebate, Mileage Program, and any other Bonus Point Reward Program. The Bank will charge monthly handling fee which equals to a specified percentage of the approved amount, the Bank can change the percentage of such handling fee from time to time. The Plan is subject to relevant terms and conditions. Please refer to the latest promotional leaflet for the updated monthly handling fee and its respective APR(s). The Plan is only applicable to local personal bank account and excludes joint account, credit card account, loan account and overdraft account. 9. If Principal Cardholder cancels their Dah Sing British Airways Credit Card within 13 months from card issuance, the Bank reserves the right to debit a handling fee of HK$300 to the relevant Principal Card account without prior notice. 10. The Bank and British Airways PLC reserve the final rights to amend these terms and conditions and / or amend or terminate this offer at any time without prior notice. 11. All matters and disputes will be subject to the final decision of the Bank and British Airways PLC. 12. In case of any discrepancy between the English and Chinese versions, the English version shall prevail. Key Facts Statement of Credit Card Interest Rates and Finance Charges APR* for Retail Purchase: 33.22% when you open your account and it will be reviewed from time to time. The Bank will not charge you finance charges if you pay your balance in full by the due date each month. Otherwise, finance charges will be charged (i) on the unpaid balance from the date of the previous statement on a daily basis until payment in full and the amount of all new transactions from date of the respective transaction dates of the new transactions, APR* for Cash Advance: 36.43% when you open your account and it will be reviewed from time to time. Finance charges will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full. Delinquent APR: 40.77% (Retail Purchase) & 44.90% (Cash Advance) if there are 2 or more delinquent records in your account in the past 12 consecutive months, the above finance charges rate will be assessed. Interest Free Repayment Period: Up to 60 days Minimum payment: Total amount of bank service fees and finance charges plus 1% of total outstanding balance of transactions or minimum HK$50 (whichever is higher). Fees Annual fee: HK$1,500 for the Platinum Credit Card (HK$750 for each supplementary Card) Cash Advance Handling Fee: 3.5% of transaction amount or minimum of HK$100 (whichever is higher) Transaction Fee for Foreign Currency Transaction: 1.95% on the transaction amount in foreign currency made outside of Hong Kong or in Hong Kong Transaction Fee for Cross-border Transaction: 0.80% on the transaction amount in Hong Kong currency made outside of Hong Kong or at any merchants not registered in Hong Kong Late Fee: HK$250 or an amount equivalent to the minimum payment stated on the monthly statement (whichever is lower) Over-the-limit Fee: HK$180 each time (Each card account will be charged maximum once per statement cycle) Note: *APR = Annualised Percentage Rate. According to the guideline of the Code of Banking Practice, APR is calculated based on the Net Present Value method.

7 Notice to Customers relating to Customers Data (January 2013) (a) From time to time, it is necessary for customers to supply Dah Sing Bank, Limited (the Bank ) with data in connection with the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of banking services. (b) Failure to supply such data may result in the Bank being unable to open or continue accounts or establish or continue banking facilities or provide banking services. (c) It is also the case that data are collected from customers in the ordinary course of the continuation of the banking relationship, for example, when customers write cheques or deposit money. (d) The purposes for which data relating to a customer may be used by the Bank or the recipient of such data are as follows: - (i) the daily operation of the services, including ATM cards services and credit facilities provided to customers; conducting credit checks at the time of application for credit and at the time of regular or special reviews which normally will take place one or more times each year; (iii) creating and maintaining the Bank s credit scoring models; (iv) assisting other financial institutions, credit or charge card issuing companies and debt collection agents to conduct credit checks and collect debts; (v) ensuring ongoing credit worthiness of customers; (vi) designing financial services or related products for customers' use; (vii) marketing services, products and other subjects (please see further details in paragraph (g) below); (viii) determining the amounts of indebtedness owed to or by customers; (ix) collection of amounts outstanding from customers and those providing security for customers' obligations; (x) complying with the obligations, requirements or arrangements for disclosing and using data that apply to the Bank or any of its branches or that it is expected to comply according to: (1) any law binding or applying to it within or outside the Hong Kong Special Administrative Region ( Hong Kong ) 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 existing currently and in the future; (3) any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on the Bank or any of its branches by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry bodies or associations; (xi) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the group companies of Dah Sing Financial Holdings Limited ( DSFH ) (which shall, for the purpose of this Notice, include Dah Sing Financial Holdings Limited and all of its local and overseas subsidiaries whether owned by it directly or indirectly) 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) conducting matching procedures; (xiii) enabling an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank's rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and (xiv) purposes relating thereto. (e) Data held by the Bank relating to a customer will be kept confidential but the Bank may provide such information to the following parties for the purposes set out in paragraph (d) above: - (i) any agent, contractor or third party service provider who provides administrative, telecommunications, ATM / Electronic Fund Transfer service, computer, payment debt collection or securities clearing or other services to the Bank in connection with the operation of its business; any branch, subsidiary, holding company, associated company or affiliate of the Bank; (iii) any other person under a duty of confidentiality to the Bank including a group company of DSFH which has undertaken to keep such information confidential; (iv) the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer; (v) credit reference agencies, and, in the event of default, to debt collection agencies; (vi) any person to whom the Bank or any of its branches is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to the Bank or any of its branches, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which the Bank or any of its branches are expected to comply, or any disclosure pursuant to any contractual or other commitment of the Bank or any of its branches with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside the Hong Kong and may be existing currently and in the future; (vii) any party giving or proposing to give a guarantee or third party security to guarantee or secure the customer's obligations; (viii) any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank's rights in respect of the customer; and (ix) (1) DSFH s group companies; (2) third party financial institutions, insurers, credit card companies, securities and investment services providers; (3) third party reward, loyalty, co-branding and privileges programme providers; (4) co-branding partners of the Bank and DSFH s group companies (the names of such co-branding partners can be found in the application form(s) and/or advertising leaflet(s) / poster(s) for the relevant services and products, as the case may be); (5) charitable or non-profit making organisations; and (6) external service providers (including but not limited to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, data processing companies and information technology companies) that the Bank engages for the purposes set out in paragraph (d)(vii) above. Such information may be transferred to a place outside Hong Kong. (f) With respect to data in connection with mortgages applied by a customer (whether as a borrower, mortgagor or guarantor and whether in the customer s sole name or in joint names with others) on or after 1 April 2011, the following data relating to the customer (including any updated data of any of the following data from time to time) may be provided by the Bank, on its own behalf and/or as agent, to a credit reference agency: (i) full name; capacity in respect of each mortgage (as borrower, mortgagor or guarantor, and whether in the customer s sole name or in joint names with others); (iii) Hong Kong Identity Card Number or travel document number; (iv) date of birth; (v) correspondence address; (vi) mortgage account number in respect of each mortgage; (vii) type of the facility in respect of each mortgage; (viii) mortgage account status in respect of each mortgage (e.g., active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and (ix) if any, mortgage account closed date in respect of each mortgage. The credit reference agency will use the above data supplied by the Bank for the purposes of compiling a count of the number of mortgages from time to time held by the customer with credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively and whether in the customer s sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Personal Data (Privacy) Ordinance (the Ordinance ). (g) USE OF DATA IN DIRECT MARKETING The Bank intends to use a customer's data in direct marketing and the Bank requires the customer's consent (which includes an indication of no objection) for that purpose. In this connection, please note that: (i) (iii) the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a customer held by the Bank from time to time may be used by the Bank in direct marketing; the following classes of services, products and subjects may be marketed: (1) financial, insurance, credit card, banking and related services and products; (2) reward, loyalty or privileges programmes and related services and products; (3) services and products offered by the Bank s co-branding partners (the names of such co-branding partners can be found in the application form(s) and/or advertising leaflet(s) / poster(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; the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Bank and/or: (1) DSFH s group companies; (2) third party financial institutions, insurers, credit card companies, securities and investment services providers; (3) third party reward, loyalty, co-branding or privileges programme providers;

8 (4) co-branding partners of the Bank and DSFH's group companies (the names of such co-branding partners can be found in the application form(s) and/or advertising leaflet(s) / poster(s) for the relevant services and products, as the case may be); and (5) charitable or non-profit making organisations; (iv)* in addition to marketing the above services, products and subjects itself, the Bank also intends to provide the data described in paragraph (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 Bank requires the customer's written consent (which includes an indication of no objection) for that purpose; (v)* The Bank may receive money or other property in return for providing the data to the other persons in paragraph (g)(iv) above and, when requesting the customer's consent or no objection as described in paragraph (g)(iv) above, the Bank will inform the customer if it will receive any money or other property in return for providing the data to the other persons. If a customer does not wish the Bank to use or provide to other persons his data for use in direct marketing as described above, the customer may exercise his opt-out right by notifying the Bank. *Note: Clauses g(iv) and g(v) above shall only become effective on a date to be announced by the Bank via its website. (h) Under and in accordance with the terms of the Ordinance, the Code of Practice on Consumer Credit Data and any statutory or regulatory guidelines issued by the Privacy Commissioner or the Hong Kong Monetary Authority or other regulatory bodies, any customer has the right: - (i) to check whether the Bank holds data about him and the right of access to such data; to require the Bank to correct any data relating to him which is (iii) inaccurate; to ascertain the Bank's policies and practices in relation to data and to be informed of the kind of personal data held by the Bank; (iv) to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency; and (v) in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by the Bank to a credit reference agency, to instruct the Bank, upon termination of the account by full repayment, to make a request to the credit reference agency to delete such account data from its database, as long as the instruction is given within five years of termination and at no time was there any default of payment in relation to the account, lasting in excess of 60 days within five years immediately before account termination. Account repayment data include amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by the Bank to a credit reference agency), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of 60 days (if any)). (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 any amount in an account is written-off due to a bankruptcy order being made against a customer, the account repayment data (as defined in paragraph (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 or the expiry of five years from the date of discharge from a bankruptcy as notified by the customer with evidence to the credit reference agency, whichever is earlier. (k) The Bank may access the database of credit reference agencies for the purposes of credit review from time to time. Which review may involve the consideration by the Bank of any of the following matters:- (i) (iii) 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 the implementation of a scheme of arrangement with the customer. (l) In accordance with the terms of the Ordinance, the Bank has the right to charge a reasonable fee for the processing of any data access request. (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 Dah Sing Bank, Limited GPO Box 333, Hong Kong Fax : (n) The Bank may have obtained a credit report on the customer from a credit reference agency in considering any application for credit. In the event the customer wishes to access the credit report, the Bank will advise the contact details of the relevant credit reference agency. (o) The expression customer includes both borrower and guarantor as individuals or corporations (and the latter s directors, shareholders or other officers) and unincorporated associations (sole proprietor or partners). Credit means consumer and commercial credit (including but not limited to Hire Purchase and Leasing). All references to one gender is a reference to all other genders and the singular includes the plural. (p) Nothing in this Notice shall limit the rights of customers under the Ordinance. Appointment of Chip Card / Magnetic Strip Card Services Provider To further enhance our service quality and efficiency, we are pleased to announce that we have appointed Goldpac Datacard Solutions Company Limited ("Goldpac") as our new chip card / magnetic strip card embossing and personalization services provider. Goldpac, located in the Mainland China, is one of the worldwide leading providers of secured card solutions, card issuance system and card personalization service since We believe this new service partnership will enhance our ability to provide quality services to our customers. It is always the policy of Dah Sing Bank to fully comply with the data protection principles and relevant provisions of the Personal Data (Privacy) Ordinance (Cap. 486) during the disclosure or transfer of any personal data. Goldpac will also apply stringent controls to safeguard the confidentiality and security of your data during the chip card / magnetic strip card embossing and personalization process. Your personal data may also be disclosed or provided to any person to whom Dah Sing Bank or Goldpac is under an obligation to make disclosure under any applicable laws or regulations, or under and for the purposes of any guidelines issued by competent regulator(s) or other authorities (including but not limited to government departments, judiciary or tax authority(ies)). If you have any queries, please feel free to contact our branch staff during office hours or call In case of any discrepancy between the English and Chinese versions of this document, the English version shall prevail.