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. 主卡申請人之 ANA Mileage Club (AMC) 賬戶號碼 *: ANA Mileage Club (AMC) No.* of Principal Card Applicant: ( 請用英文正楷填寫 Please fill in English BLOCK letters) * * 如未能提供, 客戶將獲 AMC 新號碼以作存入里數數之用 New AMC number will be assigned for New miles AMC conversion number if not will being assigned provided. for miles conversion 本人欲接收 if ANA not Mileage being provided. Club 資訊 I wish to receive ANA Mileage Club news. 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 香港身份證號碼 * 教育程度 *Education Level 個人資料 Personal Data 本人是美國人士 ( 包括美國居民 / 美國公民 / 美國永久居民 / 美國綠卡持有人 / 美國定居之外國人 ) I am a U.S. person (including a U.S. Resident/ U.S. Citizen / U. S. Permanent Resident / U.S. Green Card Holder / U. S. Resident Alien) 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 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 門牌號數 / 街道名稱 Street No. / Street Name 地區 / 國家 District / Country * 電郵地址 * Address * 婚姻狀況 *Marital 申請信用卡類別 Type of Credit Card Applied 閣下現時是否大新銀行信用卡客戶? Are you existing Dah Sing Bank Credit Card Cardholder? 本人欲申請以下信用卡 : I would like to apply below credit card: ANA 香港白金 Visa 卡 ANA Card HK Visa Platinum (001/171/00) 年薪須達 Annual Income:HK$150,000 ( 白金卡 Platinum Card) 賬戶號碼 Account No. 姓 Surname HKID No ( 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 applicants who are non-hk permanent ID cardholders, please refer to "Important Notice") 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 premanent address is differeent from the above, please provide proof of your permanent address.. 未婚 已婚 離婚 Single(S) Married(M) Divorced(D) 任職公司名稱 ( 請用英文正楷填寫 ) Name of Employer (in English BLOCK letters.) ( ) 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 大廈名稱 / 屋邨名稱 Name of Building / Name of Estate 是 Yes 出生日期 Date of Birth 國籍 Nationality 住宅 Residence 名 Given Name 日 D 月 M 出生地點 Place of Birth ( 如申請人申報國籍並非 中國香港, 請參閱 注意事項 ) (For applicants who declare foreign Nationality, please refer to "Important Notice") 居住年數 Years There 大專或以上 中學 小學 其他 Post secondary or above(t) Secondary(S) Primary(P) Others(O) 年 Y 香港 九龍 新界 H.K. Kln. N.T. 住宅電話號碼 Home Tel. No. 手提電話 / 傳呼機號碼 Mobile / Pager No. 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 card service in the future, please fill in the mobile number. Please be reminded that some of the transactions may not be able to process if there is no valid mobile no. provided. 宿舍 與家人 / 親屬同住 自置物業 租賃 按揭 Quarters(Q) Live with parents/relatives(p) Self-owned(O) Rented(R) Mortgage(M) 職業 Your Occupation 職業 Your ( Occupation 必須填寫 Mandatory field) 公司電話 Office Tel. 迎新禮品迎新禮品 Welcome Gift 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傳送到 ANA 及 Prestige International (HK) Co., 請在下列適當位置填上 V 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傳送到 ANA 及 Prestige Ltd., 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 International (HK) Co., Ltd., 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 you do not agree to authorize Dah Sing Bank for transferring your personal data to ANA and Prestige International (HK) Co., Ltd., in which case not specify your choice, it means that you do not agree to authorize Dah Sing Bank for transferring your personal data to ANA and Dah Sing Bank will not accept your credit card application.) Prestige International (HK) Co., Ltd., 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 ANA 及 Prestige International (HK) Co., Ltd. 以供處理本人 AMC 賬戶之用 本人並同意 ANA 及 Prestige International (HK) Co., Ltd. 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 本人同意授權大新銀行將本人之個人資料轉送到 I agree to authorize Dah Sing Bank to pass details of ANA my personal 及 Prestige data International to ANA and Prestige (HK) Co., International Ltd. 以供處理本人 (HK) Co., AMC Ltd. for 賬戶之用 the processing of I my agree AMC to Account. authorize And Dah I further Sing Bank consent to pass that my details personal of my data personal transferred data to ANA and Prestige International (HK) (HK) Co., Co., Ltd. Ltd. will be for used the by processing ANA and Prestige of my International AMC account. (HK) Co., Ltd. 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 ANA 及 Prestige ANA 及 International Prestige International (HK) Co.,Ltd. (HK) ( 若閣下不同意授權大新銀行將閣下之個人資料轉送 Co., Ltd ( 到閣下之個人資料轉送到 ANA 及 Prestige International ANA 及 (HK) Prestige Co.,Ltd., International 則大新銀行亦將不會接受閣下之信用卡申請 (HK) Co., Ltd, 則大新銀行亦將不會接受閣下之信用卡申請 ) ) I do not not agree agree to to authorize authorize Dah Dah Sing Sing Bank Bank to pass to pass details details of my of personal my personal data to data ANA to and ANA Prestige 及 Prestige International International (HK) (HK) Co., Ltd. Co., (If Ltd. you (if do not agree you do to not authorize agree to Dah authorize Sing Bank Dah to pass Sing details Bank to of your pass personal details of data your to personal ANA and data Prestige to ANA International 及 Prestige (HK) International Co., Ltd., Dah (HK) Sing Co., Bank Ltd, will not Dah accept Sing Bank your credit will not card accept application.) your credit card application.) ( 敬請填寫以便本行日後通知閣下最新優惠 Please fill in for futher promotional information updates ) ANA 香港白金 Visa 卡申請表格 ANA Card HK Visa Platinum Card Application Form 否 No 迎新禮品只適用於過去未曾持有 ANA 香港白金 Visa 主卡申請人 Welcome gift is only applicable to principal card applicant who has not ever held any principal ANA Card HK Visa Platinum 5,000 獎賞里數 5,000 miles (ANE) 受條款細則約束 詳情請參閱有關之宣傳單張 Terms and conditions apply. Please refer to the relevant promotional leaflet. 信用卡年費優惠 : 豁免首年年費 Credit Card Annual Fee Offer: First Year Annual Fee Waiver ANA 香港白金 Visa 卡申請人聲明 Declaration of of ANA ANA Card Card HK HK Visa Visa Platinum Applicant 是 Yes 內線 ext. CC 否 No 如屬美國電話號碼, 請註明 : If the number is a US number, please specify: 住宅電話 手提電話 Home Tel. No. Mobile No. 閣下所需負責的每月按揭供款 / 租金 : HK$ Responsible Mortgage Mortage Installment Installment / Rent / Rent Per Per Month ( 最多 30 個字連標點符號 Maximum 30 characters including punctuation marks ) (* 非必須填寫 ) (*Non-mandatory Field) 如屬美國電話號碼, 請填上 號 If the phone number is a US number, please tick. 門牌號數 / 街道名稱 Street No. / Street Name 職位 Position 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 大新銀行有限公司 Dah Sing Bank, Limited 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 1044 Page 1 of Page 8

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 Address 公司電話號碼 Office Tel. No. 手提電話 / 傳呼機號碼 Mobile / Pager No. ( 敬請填寫以便本行日後通知閣下最新優惠 Please fill in for futher promotional information updates ) ( 最多 30 個字連標點符號 Maximum 30 characters including 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) * 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 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 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$/RMB180 之超逾信貸限額手續費 (2) 有關設定將套用於閣下於本行之所有信用卡戶口 ( 包括主卡及名下之附屬卡 ) (3) 如閣下已於本行設定取消備用金額, 則不論閣下於本申請表之選擇, 有關設定將自動套用於閣下新申請之信用卡 (4) 如有任何查詢, 請聯絡本行分行職員或致電 查詢 Remarks: (1) If the facilities are kept, in cases when your balance exceeds available credit limit, an overlimit handling charge of HK$/RMB180 may be levied. (2) The setting will apply to all of your credit card accounts at our Bank (including principal card and supplementary card under the principal card). (3) If you have already cancelled the facilities before, the setting will automatically apply to your newly applied credit card, no matter the choice you make on this form. (4) For 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 SC CH P D F Full Doc R Y N F Urgent Remarks 大新銀行有限公司 Dah Sing Bank, Limited 1044 Page 2 of Page 8

3 大新 信用卡 或 簽賬卡 持卡人合約 ( 持卡人合約 ) 之主要使用條款客戶須特別注意下列使客戶承擔重大法律責任之主要條款 : (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士使用或被披露 如有違犯, 持卡人須為所有交易負上全部責任 (3) 持卡人須於每月結賬單上之到期繳款日或之前繳付最低還款額, 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) 在涉及詐騙或嚴重疏忽的情況下, 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嚴重疏忽的情況下, 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 銀行建議客戶應細閱持卡人合約有關條款之全文 有關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 ), 及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 聲明及協議致 : 大新銀行有限公司 ( 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 ) 同意授權銀行可酌情決定將本人 / 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 ( 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 或 簽賬卡 持卡人合約之條款, 該合約將在申請獲得批准後與信用卡一併發出給本人 / 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 ) 明白並同意就使用信用卡須向銀行支付載列於以下 信用卡資料概要 中的利息 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 ) 之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信用卡之優惠及收費, 而透過 e-banking 網上理財服務以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或其他貸款 ( 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 ) 進一步聲明本人 / 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 ) 亦沒有進行或有意圖申請破產或任何種類的重整債務還款計劃 假如本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 (a) 本人 / 吾 ( 等 ) 為銀行集團 ( 定義見下文 ) 之任何成員之任何一名董事 前任董事 ( 過去 12 個月 ) 控權人( 定義見下文 ) 或僱員之親屬 配偶或受託人 ; 或 (b) 銀行的任何一名董事或控權人或該等董事或控權人的任何親屬為本人 / 吾 ( 等 ) 之擔保人, 本人 / 吾 ( 等 ) 定當以書面通知銀行 本人 / 吾 ( 等 ) 陳述及保証, 若銀行沒有收到上述通知, 即代表本人 / 吾 ( 等 ) 並沒有與上述人士有上述關係 若本人 / 吾 ( 等 ) 於此申請獲批核後與上述人士有上述關係, 本人 / 吾 ( 等 ) 承諾立即以書面通知銀行 就本文而言, 控權人 指任何持有一間公司已發行股本百分之十或以上之人士及 銀行集團 指大新銀行集團有限公司及其附屬公司 本人 / 吾 ( 等 ) 確認本人 / 吾 ( 等 ) 已詳閱, 明白並同意受到本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 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, 銀行將不徵收任何財務費用 否則, 銀行將根據當時之利率, 以每日計算,(i) 向閣下之信用卡賬戶之未償款項由上期月結單 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 (ii) 就所有新交易之金額由有關的新交易之過賬日期起計徵收財務費用, 即使該新交易未到期清還 現金透支的實際年利率 *: 當你開立信用卡戶口時為 36.43%, 而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 ) 若閣下於過往連續 12 個月內有 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 :(i) 如月結單總結欠相等於 HK$200 或以上, 最低還款額將為銀行服務費用 財務費用之全數金額及總交易結欠之 1% 之總和或 HK$200 ( 以較高者為準 ); 或 (ii) 如月結單總結欠少於 HK$200, 最低還款額將為月結單總結欠 費用年費 : 白金卡 HK$800( 每張附屬卡為 HK$400) 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 ) 有關外幣交易收費外幣交易手續費 : 於海外及本地的外幣交易金額之 1.95% 跨境港幣交易手續費 :( 適用於以港幣支付外幣簽賬 ) 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% 以港幣支付外幣簽賬的有關費用 : 客戶在外地消費時, 部份海外商戶可提供以港幣支付外幣簽賬之安排 惟此服務是由海外商戶直接安排, 而非由信用卡發卡機構提供 客戶應於簽賬前向該商戶查詢有關匯率及手續費的詳情 (Visa/ 萬事達卡將徵收之跨境港幣交易手續費為交易金額之 0.8%, 交易手續費將誌賬於信用卡賬戶內 ), 因為以港幣支付外幣簽賬, 所涉及的費用可能會較以外幣簽賬的手續費為高 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 ) 支票退回 / 自動轉賬被拒費用 : 不適用註 :* 實際年利率乃根據銀行營運守則指引, 採取淨現值法計算 迎新獎賞 之條款及細則 1. 免首年年費優惠適用於全新主卡及附屬卡之申請人, 而 5,000 迎新里數獎賞只適用於全新主卡申請人 若客戶申請多張主卡, 亦只可以獲享迎新里數乙次 如曾持有 ANA 香港白金 VISA 卡並已獲迎新里數之客戶, 則不能再享相關里數 申請人必須於 2015 年 1 月 1 日至 12 月 31 日期間成功申請 ANA 香港白金 Visa 卡, 方可享獲優惠 每位客戶只可申請一張 ANA 香港白金 Visa 卡及獲贈優惠乙次 2. 申請 ANA 香港白金 Visa 卡之主卡客戶須於發卡日起計首 3 個月內累積消費金額滿 HK$2,000 或以上 ( 附屬卡之簽賬將合併於主卡賬戶內計算 ), 方可獲 5,000 迎新里數獎賞 3. 迎新禮品累積簽賬之合資格交易包括零售簽賬 現金透支 開心消費分期 計劃分期金額 信用卡兌現計劃分期金額 分行易兌現 自動轉賬 循環付款交易 已誌賬之結欠轉賬金額 股票投資儲蓄計劃 網上繳費 Net 繳費金額 繳費易 繳費金額 免息分期月供之交易金額 禮物換購費用 ( 如適用 ) 信用卡支票服務交易 ( 如適用 ) 八達通自動增值 服務金額 ; 但並不適用於以下交易, 包括但不限於銀行手續費 ( 包括繳交年費 財務費用 逾期費用及現金透支手續費等 ) 未誌賬 / 取消 / 退回之交易及所有未經授權之交易 附屬卡之零售簽賬及現金透支將合併於主卡賬戶內計算 本行保留對簽賬是否合符獲享迎新禮品之資格之最終決定權 4. 大新銀行及 All Nippon Airways ("ANA") 保留隨時更改條款及細則或取消優惠的權利而毋須事先通知 5. 如有任何爭議, 大新銀行及 ANA 擁有最終之決策權 Page 3 of Page 8

4 有關客戶資料的客戶通知 (2015 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) 銀行及其代理人 ( 包括其律師及收數公司 ) 亦會從以下各方收集到客戶的資料 :(i) 在客戶與銀行的正常業務往來過程中, 例如, 一般當客戶開出支票或存款時 ;(ii) 由銀行任命提供信貸資料服務之信貸資料服務機構 ;(iii) 由銀行任命提供追收客戶欠款服務之代理人 ( 包括其律師及收數公司 );(iv) 由政府或半政府機構或其他機構或團體保存之公共記錄 ( 包括但不限於司法機構 破產管理署 公司註冊處及土地註冊處 ); 及 (v) 其他來源 ( 例如從互聯網或其他公共領域獲取資料 ) (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 ; (ii) 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及執行客戶向銀行應負之責任 ; (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 ; (ii) 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 ; (ii) 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況 ( 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) 在直接宣傳推廣中使用資料銀行擬把客戶資料用於直接宣傳推廣, 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宣傳推廣 ; (ii) 可用作推廣下列類別的服務 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 ; (iv) 除由銀行推廣上述服務 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, 以供該等人士在推廣該等服務 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宣傳推廣用途, 客戶可通知銀行行使其選擇權拒絕推廣 (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或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 ; (ii) 要求銀行改正有關他不準確的資料 ; Page 4 of Page 8

5 (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刪除該等帳戶資料, 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為期超過 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, 及全數清還拖欠為期超過 60 日的欠款的日期 ( 如有 )) (i) 如帳戶出現任何拖欠還款情況, 除非拖欠金額在由拖欠日期起計 60 日屆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為期超過 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 ; (ii) 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 ( 若本文件之中英文本有任何歧義, 概以英文本為準 ) Major Terms and Conditions of Dah Sing Credit/Debit Card Cardholder Agreement ( 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 unauthorized 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 on or before the payment due date as shown in the monthly statement of account and there will be penalty charge if the required minimum payment 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 or 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 of the Cardholder Agreement. 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 account 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). 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 若本文件之中英文本有任何歧義, 概以英文本為準 Declaration and Agreement To: Dah Sing Bank, Limited (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 deceive, 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 right 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/Debit 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 right 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 interests, 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 right 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 or unsecured) under my/our name(s) issued by any financial institutions has been Page 5 of Page 8

6 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 the process of petitioning for bankruptcy or any kind of restructured debt repayment plan, nor have any intention to do so. 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/us. I/We agree to inform the Bank in writing if (a) I/we am/are a relative, spouse or trustee of any director, former director (within past 12 months), controller (as defined below) or employee of any member of the Bank Group (as defined below); or (b) any of the directors or controllers of the Bank or any relative of such directors or controllers is a guarantor of me/us. I/We represent and warrant that, in the absence of the aforesaid advice, I/we am/are not so related. I/We undertake to advise the Bank in writing should I/we become so related subsequent to the approval of my/our application. Controller used herein refers to any person holding 10% or more of a company s issued shares and Bank Group refers to Dah Sing Banking Group Limited and its subsidiaries. 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. 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 on (i) the unpaid balance from the date of the previous statement on a daily basis; and (ii) the amount of all new transactions from the respective transaction dates, until payment in full. 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: (i) If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance. Fees Annual fee: HK$800 for Platinum Credit Card (HK$400 for each supplementary Card) Cash Advance Handling Fee: 3.5% of transaction amount or minimum of HK$100 (whichever is higher) Fees relating to Foreign Currency Transaction 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: (Applicable to Settling Foreign Currency Transaction in Hong Kong Dollars) 0.80% on the transaction amount in Hong Kong currency made outside of Hong Kong or at any merchants not registered in Hong Kong Fee related to Settling Foreign Currency Transaction in Hong Kong Dollars: Customers may sometimes be offered the option to settle foreign currency transactions in Hong Kong dollars at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the card issuer. Customers are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees (a transaction fee for cross-border transaction of 0.8% on the transaction amount will be charged by Visa/MasterCard and debited to your credit card account) to be applied before the transactions are entered into since settling foreign currency transactions in Hong Kong dollars may involve a cost higher than the foreign currency transaction handling fee. 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) Returned Items (Cheque or Direct Debit Authorization): Not Applicable 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. Terms and Conditions for Welcome Offer 1. First Year Annual Fee Waiver is applicable to new principal and supplementary applicants whereas 5,000 Welcome Bonus Miles is applicable to new principal applicants only. Cardholder can only be entitled to welcome miles once only regardless of the number of credit card applied. Welcome mile is not applicable to those who had ever held ANA Card HK Visa Platinum and those who have ever enjoyed the welcome mile. To enjoy the offer, applicant must successfully apply ANA Card HK Visa Platinum from January 1 to December 31, Each principal card applicant can only apply one ANA Card HK Visa Platinum and is entitled to the offer once only. 2. To enjoy the 5,000 Welcome Bonus Miles, the Principal Cardholder of ANA Card HK Visa Platinum needs to accumulate a spending of HK$2,000 or above within the first 3 months from the date of card issuance. The retail spending of Supplementary Cardholder will be combined with the Principal Cardholder's account. 3. The valid accumulated spending for welcome gift include retail purchase, cash advance, "Happy Installment" installment amount, Cash-in Plan installment amount, Branch Cash-in installment amount, autopay, recurring billing transactions, balance transfer amount posted, Stocks Investment Savings Plan, "Payeasy" bill payment amount, "Jet Payment" payment amount, interest-free monthly installment amount, gift redemption fee (if applicable), cheque payment (if applicable), Octopus Automatic Add Value Service amount. But excluding the following transactions, including but not limited to 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. Retail purchase and cash advance of Supplementary Card will be combined to the Principal Card account. The Bank reserves the final decision for determining the eligibility of the transaction to be included in the welcome gift. 4. Dah Sing Bank and All Nippon Airways Company Ltd. ("ANA") reserve the rights to amend these terms and conditions or terminate the offer at any time without prior notice. 5. All matters and disputes will be subjected to the final decision of Dah Sing Bank and ANA. Notice to Customers relating to Customers Data (January 2015) (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 by the Bank and its agents (including its solicitors and debt collection agencies) from (i) customers in the ordinary course of the continuation of the banking relationship, for example, when customers write cheques or deposit money; (ii) credit reference agencies appointed by the Bank to provide credit reference services; (iii) agents (including its solicitors and debt collection agencies) appointed by the Bank to collect amounts outstanding from customers; (iv) the public records maintained by governmental or quasi-governmental authorities or other institutions or organizations (including but not limited to the Judiciary, the Official Receiver s Office, the Companies Registry and the Land Registry); and (v) other sources (for example, information obtained from the Internet or other public domain). (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 (ii) 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 agencies 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 and the enforcement of obligations of customers and those providing security; (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; Page 6 of Page 8

7 (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; (ii) 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; (ii) capacity in respect of each mortgage (as borrower, mortgagor or guarantor, and whether in the customer s sole name or in joint names with others); (iii) Hong Kong Identity Card Number or travel document number; (iv) date of birth; (v) correspondence address; (vi) mortgage account number in respect of each mortgage; (vii) type of the facility in respect of each mortgage; (viii) mortgage account status in respect of each mortgage (e.g., active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and (ix) if any, mortgage account closed date in respect of each mortgage. The credit reference agency will use the above data supplied by the Bank for the purposes of compiling a count of the number of mortgages from time to time held by the customer with credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively and whether in the customer s sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the 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) the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a customer held by the Bank from time to time may be used by the Bank in direct marketing; (ii) the following classes of services, products and subjects may be marketed: (1) financial, insurance, credit card, banking and related services and products; (2) reward, loyalty or privileges programmes and related services and products; (3) services and products offered by the Bank s co-branding partners (the names of such co-branding partners can be found in the application form(s) 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; (iii) the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Bank and/or: (1) 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; (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. (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: - Page 7 of Page 8

8 (i) to check whether the Bank holds data about him and the right of access to such data; (ii) to require the Bank to correct any data relating to him which is inaccurate; (iii) to ascertain the Bank's policies and practices in relation to data and to be informed of the kind of personal data held by the Bank; (iv) to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency; and (v) in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by the Bank to a credit reference agency, to instruct the Bank, upon termination of the account by full repayment, to make a request to the credit reference agency to delete such account data from its database, as long as the instruction is given within five years of termination and at no time was there any default of payment in relation to the account, lasting in excess of 60 days within five years immediately before account termination. Account repayment data include amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by the Bank to a credit reference agency), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of 60 days (if any)). (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) an increase in the credit amount; (ii) the curtailing of credit (including the cancellation of credit or a decrease in the credit amount); or (iii) the putting in place or the implementation of a scheme of arrangement with the 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. (The English version of this Notice shall prevail wherever there is a discrepancy between the English and Chinese version.) Page 8 of Page 8