Company Tel. No. Name of Contact Person Tel. No. of Contact Person Major Product(s)/ Service(s) Major Supplier(s) & Origin(s) Major Payment Method(s)

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1 APPLICATION FORM FOR HANG SENG BUSINESS LOAN Attention 1. Please read the attached Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance. 2. All fields below are mandatory to fill in (if applicable) Please complete in English BLOCK LETTERS and tick "3" where applicable Please complete this application form and provide copies of the required documents and fax them to (all documents submitted including this application form are not returnable). 5. Please supplement with additional paper if the space provided below is not enough. ToHang Seng Bank Limited ( Hang Seng ) A. APPLICATION FOR THE HANG SENG BUSINESS LOAN (INSTALMENT LOAN AND/OR OVERDRAFT FACILITY) & PRIORITY APPROVAL OF HANG SENG COMMERCIAL CARD Loan Purpose Requested Type(s) of Facility Working Capital Others, please specify Attention The loan proceeds cannot be used or applied for acquisition of real properties. Hang Seng Business Loan Instalment Loan Requested Loan Amount HKD Tenor (6-60 months) 3 Application for Principal Repayment Deferral for the First 3 Months of the Repayment Period Hang Seng Business Loan Overdraft Facility Requested Overdraft Facility Limit HKD Priority Approval of Hang Seng Commercial Card Notes (1) HKD150 Hang Seng will charge a Company Search Fee of HKD150 per search. (2) ( ) 78 The handling fee of Instalment Loan (if any) will be charged by way of further finance. For details, please refer to the relevant loan documents to be accepted and signed by the customers. The monthly repayment amount of Instalment Loan is rounded up to 1 decimal point and the proportion of loan principal to interest in each monthly instalment amount is calculated according to the "Rule of 78". (3) 3 3 For the Instalment Loan, customers may apply for the deferral of repayment of the principal and make interest payment only during the first 3 months. (4) hangseng.com/commercial_ card Priority Approval of Hang Seng Commercial Card is only applicable to customer who has successfully applied for the Hang Seng Business Loan and signed the related application form. Customer can enjoy the welcome privileges then available upon successful application of Hang Seng Commercial Card. Please visit hangseng.com/commercial_card for details. B. COMPANY INFORMATION Name of Applicant Company Type Business Nature Certificate of Incorporation No. Business Operation Address & Ownership Sole Proprietorship Partnership Limited Company Country/Region of Incorporation Date of Business Commencement Business Registration Certificate No. Hong Kong Others, please specify DD MM YYYY Owned by the Applicant or its related company(ies)/related person(s) Whole unit rented by the Applicant or its related company(ies)/related person(s) Shared with non-related company(ies) Rented workspace from business centre or similar service provider Others, please specify Registered Address Same as Business Operation Address Others, please specify Correspondence Address Same as Business Operation Address Others, please specify Same as Registered Address CB006b 11/17 (EG)

2 Company Tel. No. Name of Contact Person Tel. No. of Contact Person Major Product(s)/ Service(s) Major Supplier(s) & Origin(s) Major Payment Method(s) Company Fax. No. Job Position of Contact Person Hong Kong No. of Full Time Employee(s) Others (1) (2) (3) Cash Cheque Credit Card Remittance Letter of Credit Others, please specify: Cash Cheque Credit Card Remittance Letter of Credit Others, please specify: Cash Cheque Credit Card Remittance Letter of Credit Others, please specify: Average Credit Period Obtained Day(s) Day(s) Day(s) Major Customer(s)/ Market(s) Major Payment Collection Method(s) (1) (2) (3) Cash Cheque Credit Card Remittance Letter of Credit Others, please specify: Cash Cheque Credit Card Remittance Letter of Credit Others, please specify: Cash Cheque Credit Card Remittance Letter of Credit Others, please specify: Average Debts Collection Period Day(s) Day(s) Day(s) Principal Banker(s) Hang Seng C. COMPANY CREDIT FACILITY(IES) Current Application of Credit Facility(ies) Others, please specify 3 I/We am/are not applying for/do not intend to apply for, in the coming 3 months, other credit facilities. 3 I/We am/are applying for/have planned to apply for, in the coming 3 months, other credit facilities. Please specify Current Type of Credit Facility (1) (2) (3) Instalment/Term Loan Overdraft Facility Trade Facility Others, please specify: Instalment/Term Loan Overdraft Facility Trade Facility Others, please specify: Instalment/Term Loan Overdraft Facility Trade Facility Others, please specify: Credit Provider Current Credit Limit Current Outstanding Balance Collateral Yes No Yes No Yes No Current Type of Credit Facility (4) (5) (6) Instalment/Term Loan Overdraft Facility Trade Facility Others, please specify: Instalment/Term Loan Overdraft Facility Trade Facility Others, please specify: Instalment/Term Loan Overdraft Facility Trade Facility Others, please specify: Credit Provider Current Credit Limit Current Outstanding Balance Collateral Yes No Yes No Yes No

3 D. COMPANY ASSET Property 1 Address 1 2 Address 2 Mortgaged/Pledged Yes Yes No No Deposit HKD Equivalent Yes No Securities/Funds Current Market Value HKD Yes No Others Please specify Yes No E. INFORMATION OF THE KEY PRINCIPAL(S) OF THE APPLICANT Attention E G E G For a sole proprietorship/partnership, the information of the sole proprietor/all partners, and if any, all guarantors must be provided in this Section E and all such persons must sign in Section G. For a limited company, the information of at least one director who is authorised to submit this application and all guarantors must be provided in this Section E and all such persons must sign in Section G. Capacity Sole Proprietor Partner Director Guarantor Partner Director Guarantor Partner Director Guarantor English Name Shareholding/Ownership % % % Hong Kong Identity Card/ Passport No. Date of Birth DD MM YYYY DD MM YYYY DD MM YYYY Nationality Position & Duties Years of Management Experience Current Address Permanent Address Same as Current Address Others, please specify Same as Current Address Others, please specify Same as Current Address Others, please specify Correspondence Address Same as Current Address Same as Permanent Address Others, please specify Same as Current Address Same as Permanent Address Others, please specify Same as Current Address Same as Permanent Address Others, please specify Mobile/Pager No. Office Tel. No. Home Tel. No. For the Sole Proprietor, please provide the following information Country of Birth Multiple Nationality Yes No < 2 3If yes, please provide Nationality 2 and Nationality 3 (if any)> Nationality 2 Nationality 3 Effective Date of Current Residential Address (MM/YYYY) 3 Please specify Previous Address if length of residence at Current Residential Address is less than 3 years

4 F. INFORMATION OF THE THIRD PARTY REFERRAL Is this credit application referred by a Third Party? No Yes < Please fill in the particulars of the Third Party below> Full Name of the Third Party Certificate of Incorporation / Business Registration Certificate No. Name of Contact Person Contact Telephone No. Relationship with the Third Party Amount of Fees Charged / to be Charged by the Third Party for Referring this Credit Application : G. DECLARATION & SIGNATURE HKD I/We hereby apply for the facility(ies) as set out above, and acknowledge, agree and accept the following terms and conditions 1. (a) (b) (c) (d) (e) (f) (g) I/We hereby acknowledge, agree and accept that: (a) I/We undertake to promptly inform Hang Seng if there are any changes on the above information (including but not limited to company name, company address, beneficial ownership, control of account, shares of capital, address and phone number of sole proprietor/partner/director/ guarantor, etc.) and to provide the relevant supporting documents; (b) I/we agree to pay interest and other fees and charges at the prevailing rate as Hang Seng may determine and notify me/us from time to time; (c) I/we and each of the individuals who signs this application form ( each individual ) certify that the particulars and information provided by me/us, whether in verbal or written form and in whatever manner, in connection with the application are true and correct in all respects and authorise Hang Seng to contact any party as Hang Seng deems necessary for verification and/or to disclose to or obtain from any party any information of me/us and/or any matter relating or incidental to the application at any time (whether before, on or after the approval of the above facility(ies)) without further reference to or consent from me/us; (d) any supporting documents once submitted by me/us to Hang Seng (whether the above facility(ies) is/are approved or otherwise) are not returnable; (e) Hang Seng has the absolute discretion to reject any application or to approve a loan of a lesser amount than that I/we applied for and reserves the right to revise the loan amount, interest rate, fees and charges and other terms and conditions from time to time without giving any reasons; (f) the final approved loan amount, interest rate, fees and charges and other terms and conditions of the above facility(ies) are subject to the relevant loan documents to be accepted and signed by me/us; and (g) Hang Seng reserves the right of final approval. 2. In case I/we am/are a sole proprietorship or partnership, I/we confirm that, as of the date of this application form, I/we or the government department of the Hong Kong Special Administrative Region in which I/we am/are working have no official dealings with Hang Seng and I/we undertake to inform Hang Seng promptly in writing if I/we or the government department in which I/we am/are working will later become involved in any official dealings with Hang Seng. 3. (a) (b) Each of the individuals who signs and whose personal data are set out in this Application Form (each individual ) acknowledges and agrees that all personal data and information with respect to such individual which are provided by such individual at the request of Hang Seng or collected in the course of dealings between such individual and Hang Seng (the Data ) may be held, used, processed and disclosed by Hang Seng for such purposes and to such persons in accordance with Hang Seng s policies on use and disclosure of personal data as set out in statements, circulars, notices or terms and conditions made available by Hang Seng to customers and other individuals from time to time. Each such individual also acknowledges and agrees that the Data may be disclosed to, or held, used and processed by any debt collection agency, credit reference agency or similar service provider for the purpose of verifying such Data or enabling them to provide such Data to other institutions: (a) in order that they may carry out credit and other status checks; and (b) to assist them to collect debts. 4. (a) (b) (i) (ii) (iii) (b) (i) 90 (a) (ii) (b) (i) (a) (01) (a) (b) (i) (06) (07) (02) (a) (b) (i) (03) (04)

5 (05) (06) (b) (i) (07) (b) (i) (c) (d) (b) (c) (e) (f) I/We acknowledge and agree that: (a) Subject to sub-paragraph (b) below, any information with respect to me/us which is provided by me/us at the request of Hang Seng or collected in the course of dealings between me/us and Hang Seng may be disclosed to, or used and retained by, any other institution or any debt collection agency, credit reference agency or similar service provider for the purpose of verifying such information or enabling them to provide such information to other institutions: (i) in order that they may carry out credit and other status checks in respect of me/us; (ii) for the purposes of reasonable monitoring of any indebtedness while there is a current default by me/us as borrower or guarantor; and/or (iii) to assist them in collecting debts. (b) If we are a limited company: (i) We may by giving Hang Seng 90 days notice in writing revoke the consent contained in sub-paragraph (a) above; and (ii) If we give notice to revoke the consent given pursuant to sub-paragraph (a) in accordance with sub-paragraph (b)(i): (01) subject to (06) and (07) below, Hang Seng may continue to disclose information pursuant to sub-paragraph (a) until the notice of revocation given pursuant to sub-paragraph (b)(i) expires; (02) Hang Seng may notify all persons to whom Hang Seng is permitted to disclose information pursuant to sub-paragraph (a) of the fact that a notice of revocation has been given pursuant to sub-paragraph (b)(i); (03) Hang Seng may regard the notice of revocation served on Hang Seng as also applying to the consent we have previously given in respect of all other credit facilities (including hire purchase or leasing loans) granted to us by Hang Seng; (04) Hang Seng may terminate all or any part of the Loan and any other facilities provided to us with effect from the date to be advised by Hang Seng, subject to the terms and conditions by which the relevant facilities are governed; (05) the credit reference agency or similar service provider may continue to retain information provided to it by Hang Seng in its internal archive for its internal use but not for provision of such information to other institutions when they seek credit reports; (06) Hang Seng may continue to provide information relating to hire purchase and leasing transactions and loans to wholesalers and retailers to finance the acquisition of stock in trade to the credit reference agency or similar service provider notwithstanding revocation of the consent referred to in sub-paragraph (b)(i) above; and (07) the credit reference agency or similar service provider may continue to provide information relating to hire purchase and leasing transactions and loans to wholesalers and retailers to finance the acquisition of stock in trade and information which is a matter of public record notwithstanding the revocation of the consent referred to in sub-paragraph (b)(i) above. (c) If I/we am/are are a sole proprietorship or partnership, I/we may instruct Hang Seng, upon termination of an account by full repayment without any refinancing from Hang Seng, to make a request to the credit reference agency or similar service provider to delete relevant account data from its database, so long as the instruction is given within 5 years after account termination and at no time did the account have a default in payment for a period in excess of 60 days within 5 years immediately before account termination. (d) Subject to sub-paragraphs (b) and (c) above, this consent shall remain in effect despite the termination of any of my/our account or borrowing relationship with Hang Seng for a period of five years thereafter; or if later, for the period of five years after the settlement following a payment default of more than sixty days. (e) This consent is given by me/us, or if we consist of more than one person, by each of such persons severally. (f) This consent is in addition to and does not affect any agreement or consent contained in any account rules, terms and conditions or other contracts and agreements or documents governing any of my/our account and/or borrowing relationship with Hang Seng. 5. I / We confirm and certify that the information given above in relation to whether or not this credit application was referred by a third party is true and correct in all respects. In addition, I / We confirm the particulars of the third party given above and the amount of fees charged or to be charged by the third party (if any) for referring this loan application to me / us is true and correct in all respects. Note: The English version of this application form shall prevail whenever there is any discrepancy between the English and Chinese versions. To borrow or not to borrow? Borrow only if you can repay! E Signature(s) of the Applicant and its Key Principal(s) as set out in Section E hereof English Name English Name English Name Date Date Date Attention E G E G For a sole proprietorship/partnership, the sole proprietor/all partners, and if any, all guarantors as set out in Section E hereof must sign in this Section G. For a limited company, the authorised director(s) and all guarantors as set out in Section E hereof must sign in this Section G.

6 Required Copies of Documents (if applicable) Valid Business Registration Certificate of the Applicant Certificate of Incorporation of the Applicant Articles of Association of the Applicant G 3 HKID Card/Passport and address proof within the last 3 months of the sole proprietor/partners/director(s)/guarantor(s) who signed on the Section G of this application form 10% 3 HKID Card/ Passport and address proof within the last 3 months of the principal shareholder(s)/ultimate beneficial owner(s) who is/are entitled to exercise, or control the exercise, of 10% or more of the voting rights of the Applicant 6 Last 6 months bank statements of the Applicant Latest Profits Tax Demand Note of the Applicant issued by the Inland Revenue Department of Hong Kong D Proof of asset(s) listed in the Section D of this application form or other assets 3 Utility bill (water, electricity or gas) within the last 3 months/valid rental agreement of the Applicant Latest invoices/purchase orders issued by the major suppliers/buyers to the Applicant 3 MPF/Payroll record of the Applicant within the last 3 months Facility Letter(s) from other bank(s) issued to the Applicant Notes (1) Additional documents/information may be required for approval. (2) The current remuneration system that Hang Seng adopts is a measurement of the staff s overall performance instead of focusing on sales production only.

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10 Hang Seng Bank Limited (the Bank ) Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (the Ordinance ) 1. From time to time, it is necessary for customers and various other individuals (including without limitation applicants for banking/ financial services and banking/credit facilities, sureties and persons providing security or guarantee for banking/credit facilities, shareholders, directors, controlling persons, officers and managers of a corporate customer or applicant, partners or members of a partnership, beneficial owner, trustee, settlor or protector of a trust, account holder of a designated account, payee of a designated payment, representative, agent or nominee of a customer, or any other persons with whom a customer has a relationship that is relevant to the customer s relationship with the Bank) (collectively data subjects ) to supply the Bank with data in connection with various matters such as the opening or continuation of accounts and the establishment or continuation of banking/credit facilities or provision of related banking/financial services or compliance with any laws, guidelines or requests issued by regulatory or other authorities. 2. Failure to supply such data may result in the Bank being unable to approve the opening of or continue accounts or establish or continue banking/credit facilities or provide related banking/financial services. 3. It is also the case that data are collected from (i) data subjects in the ordinary course of the continuation of the banking/financial relationship (for example, when data subjects write cheques, deposit money or apply for credit), (ii) a person acting on behalf of the data subjects whose data are provided, and (iii) other sources (for example, information obtained from credit reference agencies). Data may also be generated or combined with other information available to the Bank or any member of the HSBC Group ( HSBC Group means HSBC Holdings plc, its affiliates, subsidiaries, associated entities and any of their branches and offices (together or individually) and member of the HSBC Group has the same meaning). 4. The purposes for which data may be used are as follows: (i) considering applications for products and services and the daily operation of the banking/financial products, services and banking/credit facilities provided to data subjects; (ii) 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 to conduct credit checks and collect debts; (v) ensuring ongoing credit worthiness of data subjects; (vi) designing banking/financial services or related products for data subjects use; (vii) marketing services, products and other subjects (please see further details in paragraph 7 below); (viii) determining the amount of indebtedness owed to or by data subjects; (ix) the enforcement of data subjects obligations, including without limitation the collection of amounts outstanding from data subjects and those providing security or guarantee for data subjects obligations; (x) meeting obligations, requirements or arrangements, whether compulsory or voluntary, of the Bank or any of its branches or any member of the HSBC Group to comply with, or in connection with: (a) any law, regulation, judgment, court order, voluntary code, sanctions regime, within or outside the Hong Kong Special Administrative Region ( Hong Kong ) existing currently and in the future ( Laws ) (e.g. the Inland Revenue Ordinance and its provisions including those concerning automatic exchange of financial account information); (b) any guidelines, guidance or requests 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 Hong Kong existing currently and in the future and any international guidance, internal policies or procedures (e.g. guidelines or guidance given or issued by the Inland Revenue Department including those concerning automatic exchange of financial account information); (c) any present or future contractual or other commitment with local or foreign legal, regulatory, judicial, administrative, public or law enforcement body, or governmental, tax, revenue, monetary, securities or futures exchange, court, central bank or other authorities, or self-regulatory or industry bodies or associations of financial service providers or any of their agents with jurisdiction over all or any part of the HSBC Group (together the Authorities and each an Authority ) that is assumed by, imposed on or applicable to the Bank or any of its branches or any member of the HSBC Group; or (d) any agreement or treaty between Authorities; (xi) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the HSBC Group and/or any other use of data and information in accordance with any programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; (xii) conducting any action to meet obligations of the Bank or any member of the HSBC Group to comply with Laws or international guidance or regulatory requests relating to or in connection with the detection, investigation and prevention of money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions and/ or any acts or attempts to circumvent or violate any Laws relating to these matters; (xiii) meeting any obligations of the Bank or any member of the HSBC Group to comply with any demand or request from the Authorities; BR92-R10(YX) /16 (FW) Hang Seng Bank Limited

11 (xiv) enabling an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank s rights in respect of the data subject to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; (xv) exchanging information with merchants accepting credit cards issued by the Bank (each a merchant ) and co-branding partners; (xvi) verifying data subjects identities with any card acquirer of a merchant in connection with any card transactions; and (xvii) purposes relating thereto. 5. Data held by the Bank or a member of the HSBC Group relating to a data subject will be kept confidential but the Bank or a member of the HSBC Group may provide such information to the following parties (whether within or outside Hong Kong) for the purposes set out in paragraph 4 above: (i) any agents, contractors, sub-contractors, service providers or associates of the HSBC Group (including their employees, directors, officers, agents, contractors, service providers, and professional advisers); (ii) any third party service provider who provides administrative, telecommunications, computer, payment, debt collection or securities clearing or other services to the Bank in connection with the operation of its business (including their employees, directors and officers); (iii) any Authorities; (iv) any person under a duty of confidentiality to the Bank including a member of the HSBC Group which has undertaken to keep such information confidential; (v) the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer; (vi) any persons acting on behalf of an individual whose data are provided, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks, clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which the customer has an interest in securities (where such securities are held by the Bank or any member of the HSBC Group) or a person making any payment into the customer s account; (vii) credit reference agencies, and, in the event of default, to debt collection agencies; (viii) any person to whom the Bank or any of its branches or any member of the HSBC Group is under an obligation or required or expected to make disclosure for the purposes set out in, or in connection with, paragraph 4(x), 4(xi) or 4(xii); (ix) any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank s rights in respect of the data subject; (x) any card acquirer of a merchant; and (xi) (a) any member of the HSBC Group; (b) third party financial institutions, insurers, credit card companies, securities and investment services providers; (c) third party reward, loyalty, co-branding or privileges programme providers or merchants; (d) co-branding partners of the Bank and/or any member of the HSBC Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); (e) charitable or non-profit making organisations; and (f) 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 4 (vii) above. Such information may be transferred to a place outside Hong Kong. 6. With respect to data in connection with mortgages applied by a data subject (whether as a borrower, mortgagor or guarantor and whether in the data subject s sole name or in joint names with others) on or after 1 April 2011, the following data relating to the data subject (including any updated data of any of the following data from time to time) may be provided by the 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 data subject s sole name or in joint names with others); (iii) Hong Kong Identity Card Number or travel document number or certificate of incorporation number; (iv) date of birth or date of incorporation; (v) correspondence address or registered office 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 data subject with credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively and whether in the data subject s sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Ordinance). 7. USE OF DATA IN DIRECT MARKETING The Bank intends to use a data subject s data in direct marketing and the Bank requires the data subject s consent (which includes an indication of no objection) for that purpose. In this connection, please note that: (i) the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a data subject held by the Bank from time to time may be used by the Bank in direct marketing; BR92-R10(YX) /16 (FW) Hang Seng Bank Limited

12 (ii) the following classes of services, products and subjects may be marketed: (a) financial, insurance, credit card, banking and related services and products; (b) reward, loyalty or privileges programmes and related services and products; (c) services and products offered by co-branding partners of the Bank and/or any member of the HSBC Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and (d) 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: (a) any member of the HSBC Group; (b) third party financial institutions, insurers, credit card companies, securities and investment services providers; (c) third party reward, loyalty, co-branding or privileges programme providers or merchants; (d) co-branding partners of the Bank and/or any member of the HSBC Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and (e) 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 7 (i) above to other members of the Hang Seng Bank Group for use by them in marketing those services, products and subjects, and the Bank requires the data subject s written consent (which includes an indication of no objection) for that purpose. If a data subject does not wish the Bank to use or provide his data to other members of the Hang Seng Bank Group for use in direct marketing as described above, the data subject may exercise his opt-out right by notifying the Bank. 8. Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any data subject has the right: (i) to check whether the Bank holds data about him and 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)). 9. 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 8 (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. 10. In the event any amount in an account is written-off due to a bankruptcy order being made against a data subject, the account repayment data (as defined in paragraph 8 (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 data subject with evidence to the credit reference agency, whichever is earlier. 11. 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. 12. The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed is as follows: Data Protection Officer Hang Seng Bank Limited 83 Des Voeux Road Central Hong Kong Fax: (852) The Bank may have obtained a credit report on the data subject from a credit reference agency in considering any application for credit. In the event the data subject wishes to access the credit report, the Bank will advise the contact details of the relevant credit reference agency. 14. Nothing in this Notice shall limit the rights of data subjects under the Ordinance. Effective Date: 15 June 2014 (Updated in December 2016) Note: In case of discrepancies between the English and Chinese version, the English version shall apply and prevail. BR92-R10(YX) /16 (FW) Hang Seng Bank Limited