Key Facts Statement of Credit Card:

Interest Rates and Finance Charges

APR* for Retail Purchase: 25.99% 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$250 for Classic Card (HK$125 for each Supplementary Card), HK$550 for Titanium Card (HK$275 for each Supplementary Card) and HK$1,500 for Platinum Card (HK$750 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 Payment 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.