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Mail to: Standard Chartered Credit Card Centre

P.O.Box 68394

Kowloon East Post Office

Kowloon

Please continue to fill in the second page.�� !"#$%&

Issued by Standard Chartered Bank (Hong Kong) Limited�� !"#$%&'()*+,

Signature of Principal Card Applicant �� !"#$

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Please complete this form in BLOCK LETTERS and put a “✔” against the appropriate box.�� !"#$%&'()*+,-./(0123✔��

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Please select the welcome gift below:�� !"#$%&'

HK$300 city’super Cash Voucher��PMM�city’super�� ^pMT

Terms and Conditions apply. For details, please refer to the Welcome Gift Terms and Conditions.�� !"#$%&'()*+,-./01234$%&'(5

✔

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Please select a rewards scheme below:�� !"#$%&'()*+

Cash Rewards Scheme Bonus Points Scheme�� !"# MMT �� !"# MMS

Customers who do not specify a choice of rewards scheme will automatically be registered for Bonus Points Scheme.�� !"#$%&'()*+,-./0#$%&1234

Terms and Conditions apply. For details, please refer to the Rewards Scheme Terms and Conditions.�� !"#$%&'()*+,-./01234$%&'(5 MMS

First YearAnnual Rewards

Scheme Fee Waiver�� !"#$%

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Annual income requirement is HK$250,000 for Platinum Card, HK$150,000 for Gold Card and HK$60,000 for Classic Card.�� !"#$%ORMIMMM�� !"#$NRMIMMM�� !"#$%SMIMMM��

Applicants already holding a Visa Card will be issued a MasterCard, and vice versa. If you do not specify the Card type, the Bankwill select for you.�� !"#sáë~=L=�� !"#$%&'(�� =L=sáë~�� !"#$%&'(�)*+,-./012�

Any application not meeting the Platinum / Gold Card requirements will be considered as a Gold / Classic Card application.�� !"#$=L=�� !"#$%&'()*+,-.��=L=�� !"#$%&

The Bank reserves the right to pass this application to another group company of Standard Chartered Bank for applying for a cardproduct made available by that other group company as the Bank sees fit.�� !"��#$%&'()*+,-./0123456789:;-.<456789=>?@ABCD?AE

Successful applicants of Standard Chartered Visa Card / MasterCard can enjoy first year annual fee waiver.�� !"#sáë~=L=�� !"#$%&&'()*

Please refer to the Terms and Conditions overleaf for requirements.�� !"#$%&' ()*+,

* For application for Standard Chartered Platinum Credit Card, please refer to the item (3) of Important Notes for Payment Due Date.�� !"#$%&'(�)*+,-./0123/4EPF��

AND Please select a Standard Chartered Visa Card / MasterCard below:�==�� !"#$%&'(sáë~=L=�� !"

Standard Chartered American Express® Card��^ãÉêáÅ~å=bñéêÉëë®�

✔ No Annual Fee����

Platinum MasterCard�� !"#88200/80200 (005)

Gold MasterCard�� !"88000/10800 (003)

MasterCard�� !88000/10100 (003)

Visa Platinum Cardsáë~�� 88200/80100 (005)

Visa Gold Cardsáë~��88000/01100 (003)

Visa Classic Cardsáë~�88000/00100 (003)

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Existing Standard Chartered Banking Customer�� !"#$%

Existing Standard Chartered Credit Card / MANHATTAN Credit Card Customer�� !"#$= L=j^ke^qq^k�� !"

Mr Ms�� ��

1/1 2/0 Family Name � Given Name=�

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Education Level �� !"Secondary Tertiary / University Vocational / Technical Institute Others�� 1 ��/�� 5 �� !/�� ! 7 �� 8

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(For self-employed only �� !"#$%)

Years of Service YR(S) MTH(S) Annual Income (HK$)�� !" � � �� !����� ==�

Payroll with Standard Chartered Account Yes No�� !"#$%&'() � �

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Name of Referee 1/U�� !"#

Relationship Contact Tel. No.�� �� !"#$===

I confirm that I have obtained the prior consent of the referee for his/her name to be used.�� !"#$%&'(�)*+,-./012

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No. of Other Bank Accounts Held 1 2 3 or above None�� !"#$%&'( ^` �� �

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açÅìãÉåíë=oÉèìáêÉÇ==�� !To expedite processing of your application, please attach copies of documents below:�� !"#$%&'()*)+,&-./01234• Your Hong Kong Permanent Identity Card / Passport (if applicable)�� !"#$%&'()*=L=�� !"#$

• Income proof�� !– Your latest tax demand note (from Inland Revenue Department) OR�� !"#$%&'()#*+, �

– Bank statement / passbook showing your name, account number and salary entries for the last3 months OR�� !"#$%&'()*+,-./0123145=L=�� ! �

– Business Registration Certificate (for self-employed only)�� !"#$%&'()*+,

• Address proof�� !– Your latest residential address proof showing your name (e.g. utility bill or bank statement issued

within the last 3 months)�� !"#$%&'()*+,-./P�� !"#$%&'()�*&+

– Your permanent address proof showing your name, if permanent address is different fromresidential address (e.g. bank statement issued within the last 3 months or official documentissued by a government body)�� !"#$%!"&'()*+,-./� !"0123�45P�� !"�#$%&'()�� !"#

– Your latest billing address proof showing your name (if different from residential or permanent address)�� !"#$%&'()*+,-./01234567,-89:

Please note that this form and any document submitted will not be returned. The Bank may request additional documents for processing.�� !"#$%&'()*+,-./0123456789:;<=>?@AB23CDEFG

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Language on screen �� !"#$%& Chinese �� 1 English=�� 2

* Please note that the ATM facilities are not applicable to Standard Chartered American Express Card.�� !"#$%&'()*+,-.^ãÉêáÅ~å=bñéêÉëë��

� For free ATM Services (for Credit Card only), I acknowledge that I am the sole signatory of the account(s) and/or an “either tosign” signatory to a joint account(s) (“the said Account(s)”). I hereby authorize the Bank to link the said Account(s) to my CreditCard(s) provided the identity document number corresponds with the Bank’s records. I understand and agree that usage of theATM facilities is subject to the Bank’s Terms and Conditions governing these services.�� !"#$%&'()*+,-.,/012345674589:1;<=>5?L�� !"#$%&'()*� #$+,-�� !"#$%&'(&)*+,-./0123456789,-:;<=.>?@AB9(&CDE<F'(&4GH�� !"#$%&'()*+,-./0"#'12345678

cêÉÉ=^qj=c~ÅáäáíáÉëG==�� !"#$%&G

To enjoy free ATM facilities� with Standard Chartered Visa Card / MasterCard, please “✔” where appropriate.�� !"sáë~=L=�� !"#$%&'()*+,��� !"#$%&��✔���

I wish to have ATM facilities on my Standard Chartered Visa Card / MasterCard for my Standard CharteredAccount(s) listed below �� !"#sáë~=L=�� !"#$%&'()*+,-)./01234

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I have read and agreed to be bound by all the Terms and Conditions contained in this application form and theTerms and Conditions for Standard Chartered Credit Card(s) Application.�� !"#$%&'()*+,-./,012#34#56789)*/12#34:

I confirm that no Credit Card under my name issued by any financial institutions has been cancelled due to defaultin payment, and there is no current overdue payment exceeding 1 month in respect of my loan indebtedness(including Credit Card and any unsecured loans) with other financial institutions. I further confirm that no bankruptcyorder has ever been made against me and I am not in the process of petitioning for bankruptcy nor have anyintention so to do.�� !��"#$%&'()*+,-$./0123456789:;<= !��>?@A()*+BCDEF�� !"#$%&'()*+#,-.(/01234567189:56;+#<=>?@ABC+#DEFGH�� !"#$��%

By signing this application form, I hereby declare that (save for the matters disclosed herewith^): i) I am not arelative or spouse# of any of the Bank’s employees with lending authority, controllers* or directors; and ii) none ofthe Bank’s directors, controllers*, or their relatives or spouses#, is my guarantor for any other matters. I agree tonotify the Bank in writing promptly if I subsequently become aware of any changes in the matters declared ordisclosed pursuant to this clause.�� !"#�$%&'()*+,-!$%&./01234{�� !�"#$%&'()*+,#G�� !"#$�� !"#$%@�� !"#$%&'()*+G�� !�"#@�� !"#$%&'()*+!,-./ !01�� !"#$%&'()*+,-./0��123"456789:;<=>?@

^ Please provide the name of the person connected with you in the nature as described above and his/her relationship with youon a separate sheet of paper and attach to this form.�� !"#$%&'()*+&,-./01234.56789:L�� !"#$%&'()*+,-./0

# Ex-spouse is included.�� !"#$=�

* Controller refers to any person holding 10% or more of the Bank’s issued shares.�� !"# $%&'()*(+',-./0123

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FOR BRANCH USE ONLY

Normal AF / NNAX RAP = 11.17 + No RTN

PB PG / AF / P008 (PA+PB)

Excel AF / EXN2

Payroll AF / PAYL Branch staff signing no.:

Branch Staff Name & Signature:

Branch Code:

R S C

ACC OCC A-INC

ID = Review “C”

MD:

SIG = SOI “A”

Terms and Conditions for Standard Chartered Credit Cards Application:1. By making an application in writing or by telephone, I accept all Terms and Conditions set out in this application

form, its accompanying leaflet (if applicable) as well as all Terms and Conditions stated in the CardholderAgreement.

2. Minimum salary (per annum) for Classic Card, Gold Card, Platinum Card, Standard Chartered American ExpressCard application are HK$60,000, HK$150,000, HK$250,000 and HK$150,000 respectively. If my Platinum / GoldCard application does not meet the Platinum/Gold Card requirements, it may be considered as a Gold / Classic Cardapplication. If I have multiple Standard Chartered Credit Cards, I shall have one approved credit limit which is to beshared among all Credit Cards. Total monthly transactions will also be consolidated in one statement.

3. I confirm, warrant and represent to Standard Chartered Bank (Hong Kong) Limited (“the Bank”) that (1) theinformation stated in this application and the documents accompanied with this application is correct and completeand authorize the Bank to verify from any source the Bank may choose and (2) the Principal Card applicant is a HongKong resident and is at least 18 years of age. I agree to be bound by the Terms and Conditions of the StandardChartered Credit Card Cardholder Agreement (“Cardholder Agreement”, highlights of which are appended in thisapplication) and those governing the Dial-The-World Service (for Platinum and Gold Card only) and Phone BankingServices which are available upon request at any Standard Chartered branches or through Standard CharteredCredit Card 24-Hour Customer Service Hotline at 2886 4111 and will be sent to me with my Card(s) on approval ofthe application.

4. I understand that a Principal Standard Chartered American Express Card will only be issued if (i) it is applied at thesame time with a Principal Standard Chartered VISA Card or MasterCard or (ii) the Principal Card applicant holds avalid Principal Standard Chartered VISA Card or MasterCard at the time when the Principal Standard CharteredAmerican Express Card is issued.

5. Annual fee for Principal VISA Platinum / Platinum MasterCard, VISA Gold / Gold MasterCard and VISA Classic /MasterCard are HK$1,800, HK$550 and HK$250 respectively, and HK$900 (annual fees are permanentlywaived for up to 3 Supplementary Platinum Cards. Each Supplementary Card issued thereafter will be subjectto an annual fee of HK$900), HK$275 and HK$125 for each respective Supplementary Card. (Do not includepayment now, the Bank will bill you later.)

6. I agree to be bound by the Rewards Scheme Terms & Conditions (applicable to Standard Chartered AmericanExpress Cardholders), which are available upon request through Standard Chartered Credit Card 24-Hour CustomerService Hotline at 2886 4111.• Each Cardholder is entitled to join either Cash Rewards Scheme or Bonus Points Scheme. The choice of rewards

scheme cannot be altered after card application.• The annual rewards scheme fees for Principal and Supplementary Card are HK$250 and HK$125

respectively. (Do not include payment now, the Bank will bill you later.)7. I agree that the Bank reserves the right to offer an alternative Standard Chartered Credit Card in lieu of my originally

chosen Card(s).8. Annualized Percentage Rates of interest ("APR") for Classic Card / Gold Card / Platinum MasterCard and

Standard Chartered American Express Card / VISA Platinum are 25.5% and 28.5% respectively for retailpurchase and 34.2% (inclusive of cash advance handling fee) for cash advance or in each case at such higherrate which the Bank may in its sole discretion (subject to applicable laws and regulations) determine fromtime to time. APR is calculated according to the Net Present Value Method specified in the Code of BankingPractice and is for reference only. (For details, please refer to the list of service charges available in the StandardChartered American Express Card’s user guide or Standard Chartered Bank website.)

9. Benefits for successful application are offered subject to availability and with notice may be changed at thediscretion of the Bank from time to time.

10. I understand that I may enquire about the status of this application and, where my application has been approved,activate the Card(s) being applied for, in each case by using the Credit Card 24-Hour Automated Phone EnquiriesSystem (“the System”) designated by the Bank for such purposes.

11. I understand that from time to time, it is necessary for customers or potential customers to supply the Bank with datain connection with the opening or continuation of accounts and the establishment or continuation of bankingfacilities or provision of banking service. Failure to supply such data may result in the Bank being unable to open orcontinue accounts or establish or continue banking facilities or provide banking services. Accordingly, I agree that allinformation provided by me in this application form may be used and disclosed for such purposes and to suchpersons (whether in or outside Hong Kong) as may be in accordance with the Bank's policies on use and disclosureof personal data as set out in statements, circulars, notices or Terms and Conditions made available by the Bankfrom time to time.

12. I have read and understood the Bank’s Personal Data Collection Statement. I have obtained a copy of, read andunderstood the Bank’s policy on use and disclosure of personal data as referred to in the previous paragraph.

13. I further agree that the information referred to above and such further information regarding me as may becollected by the Bank from time to time may be (1) disclosed and passed together with this application andthe documents accompanied with this application to another group company of Standard Chartered Bank forthe purpose of an application for a card product offered by such other group company as the Bank sees fit;(2) used in connection with matching procedures (as defined in the Personal Data (Privacy) Ordinance);(3) disclosed (by way of bank reference or otherwise) to any financial institution with which I have or proposeto have dealings to enable such financial institution to conduct credit checks on me; and (4) supplied to acredit reference agency and, in the event of my default, to a debt collection agency.

14. I understand that under and in accordance with the terms of the Personal Data (Privacy) Ordinance and the Code ofPractice on Consumer Credit Data approved and issued under the Ordinance, I have the right to request to beinformed which items of data are routinely disclosed to credit reference agencies or debt collection agencies and tobe provided with further information to enable the making of an access or correction request to the relevant creditreference agency or debt collection agency.

15. I understand that in the event of any default in payment, unless the amount in default is fully repaid before the expiryof 60 days from the date such default occurred, I shall be liable to have my account data retained by a creditreference agency for a period of up to 5 years after repayment in full.

16. I further understand that in the event this application is approved, I shall have the right to instruct the Bank to requestthe relevant credit reference agency to delete all account data in relation to the account upon termination thereofprovided that there is no default in payment for a period in excess of 60 days on the account within 5 yearsimmediately before account termination.

17. In the event of any inconsistency between the Terms and Conditions expressly referred to by name herein and thoseoutlined in any part of this Application Form, the former shall prevail.

If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

IMPORTANT NOTES:You are advised to read carefully the entire Standard Chartered Credit Card Cardholder Agreement. Your attention isparticularly drawn to the following major Terms and Conditions.

1. The Cardholder shall sign the Card immediately upon receipt from the Bank.2. The Cardholder shall take good care of the Card and keep the Personal Identification Number ("PIN") (if any) and

Tele-electronic Identification Number ("TIN")* (if any) secure and confidential at all times without disclosing them to anyperson. The Cardholder shall not allow the Card, the PIN (if any) and/or the TIN (if any) to be used by any other person.

3. The Cardholder has to pay a late charge if he/she fails to pay the Minimum Payment Due specified in a statementbefore the Payment Due Date. Notwithstanding the stipulation of the Minimum Payment Due and the Payment DueDate in a statement, the Bank may at any time demand immediate repayment of all sums outstanding on the CreditCard account.

4. Statements shall be considered conclusive if the Bank does not receive from the Cardholder notice of errors orunauthorized transactions within the period specified in the statement.

5. The Cardholder may terminate the card service if he/she does not accept any amendment to the CardholderAgreement proposed by the Bank.

6. The Cardholder shall be liable to indemnify the Bank all costs of recovery and enforcement, including the fees of debtcollection agents and legal fees and expenses on an indemnity basis, which are of reasonable amount andreasonably incurred.

7. If the Card is lost or stolen or if a PIN/TIN is disclosed to any person, the Cardholder is liable for all losses arisingfrom transactions effected before the Bank receives notification of such loss, theft or disclosure. The Cardholder'smaximum liability for any such losses arising from transactions effected in respect of the Credit Card account beforethe Bank receives notification of the loss or theft of the Card will be HK$500 if he/she (a) has not acted fraudulentlyor with gross negligence, (b) has not knowingly provided the Card and/or disclosed the PIN/TIN to a third party(whether voluntarily or otherwise), and (c) has informed the Bank as soon reasonably practicable after discoveringthe loss or theft. Failure to follow the measures recommended by the Bank from time to time on safeguarding theCard and the PIN/TIN will be deemed gross negligence.

8. The Principal Cardholder is responsible for the liabilities of the Principal Cardholder and all SupplementaryCardholders under the Cardholder Agreement. A Supplementary Cardholder is liable for all debts incurred andtransactions made by him/her.

9. The Bank is entitled to apply credit balances in any Principal Cardholder's accounts with the Bank and any StandardChartered Bank group company to settle the liabilities of the Principal Cardholder and all SupplementaryCardholders. Credit balances in the Supplementary Cardholder's account with the Bank and any Standard CharteredBank group company may be applied to discharge such Cardholder's liabilities under the Cardholder Agreement.

* No PIN or TIN will be issued in respect of any Standard Chartered American Express Card.

Additional Important Notes for Standard Chartered American Express Card:1. The Standard Chartered American Express Card issued to the Account Holder and each other Cardholder will be

automatically terminated if the use of all Classic VISA Card(s), VISA Gold Card(s), VISA Platinum Card(s), MasterCard(s),Gold MasterCard(s) and Platinum MasterCard(s) issued under the same Account Holder are being terminated.

2. Standard Chartered American Express Card cannot, and shall not, be used at any automated teller machine forcarrying out any Transaction Instruction. Standard Chartered American Express Cardholder is liable to, and shallindemnify, the Bank for damage caused to any automated machine as a result of use of Standard CharteredAmerican Express Card.

Important Notes for Payment Due Date:1. Applicable to applicants currently holding (i) Standard Chartered Platinum Credit Card; or (ii) ESPRIT Smart Credit

Card only:The Payment Due Date for your newly approved Standard Chartered credit card under this application form will beStatement Date plus 15 days.

2. Applicable to applicants currently not holding (i) Standard Chartered Platinum Credit Card; or (ii) ESPRIT SmartCredit Card only:If you apply for Standard Chartered Credit Card, Standard Chartered Gold Card and/or Standard CharteredAmerican Express® Card only, the Payment Due Date for such newly approved Standard Chartered credit card(s)under this application form will be Statement Date plus 26 days.

3. Applicable to applicants applying for Standard Chartered Platinum Credit Card:If your Standard Chartered Platinum Credit Card application under this application form is successfully approved,the Payment Due Date for your newly approved Standard Chartered Platinum Credit Card will be Statement Dateplus 15 days and the Payment Due Date for your all other existing Standard Chartered credit card(s) (includingStandard Chartered Credit Card / Standard Chartered Gold Card / Standard Chartered American Express® Card /ESPRIT Smart Credit Card / SmarTone Smart Credit Card / ZIX Credit Card / Amway Affinity Card / New York Life CreditCard) in the next issued statement will be changed from Statement Date plus 26 days to Statement Date plus 15 days.

Standard Chartered American Express® Card Rewards Scheme Terms and Conditions:1. Cardholders (“Cardholders”, each a “Cardholder”) of Standard Chartered American Express Card (the “Card”) are

entitled to enroll in either one (and not both) of the rewards schemes, namely Cash Rewards Scheme and BonusPoints Scheme. An Annual Rewards Scheme Fee (“Annual Rewards Scheme Fee”) at such rate or in such amount asspecified by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) will be charged to the Principal Cardholderand Supplementary Cardholder(s) for each enrolment into a rewards scheme. The Annual Rewards Scheme Fee fora Membership Year is payable in advance at the beginning of that Membership Year. For the purpose of these Terms

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6. Bonus Points will be calculated and credited to the Card Account every Statement Period. Cash Back will becalculated every Statement Period and credited to the Card Account within the next Statement Period.

7. Cash Back will be rounded to the nearest cents and cannot be withdrawn as cash. The usage of the Bonus Points willbe subject to all terms and conditions set out in the Standard Chartered Credit Card Bonus Points RewardsCatalogue as amended from time to time. The Rewards are non-transferable.

8. Decisions of the Bank regarding any disputes in relation to the Rewards shall be final.9. Once the Rewards are issued and the value of any transaction(s) forming part or all of the Rewards is either refunded

or cancelled, the Bank has the right to debit an amount equivalent to the value of the Rewards from the respectiveCard Account without prior notice.

10. If the Card Account is voluntarily / involuntarily closed, all unredeemed Rewards and Rewards not yet credited to theCard Account are immediately forfeited.

11. To be eligible for the Rewards, the Card Account must be valid and in good financial standing at the time when theRewards are awarded. The Bank reserves the right to refuse to issue or honour any Reward if the Cardholder failsonce or more to pay on or before the relevant due date any Minimum Payment Due specified in a monthly statementof Card account issued during the Billing Year.

12. The Bank reserves the right to alter or terminate the Cash Rewards Scheme / Bonus Points Scheme and / oramend the terms and conditions thereof at any time, including, but not limited to, the Cash Back percentage/ Bonus Points multiplier, the spending tier, the type of purchase and the list of designated merchants. In caseof disputes, decisions of the Bank shall be final.

13. If there is any inconsistency or conflicts between English and Chinese versions of these Terms and Conditions, theEnglish version shall prevail.

Welcome Gifts Terms & Conditions :1. The welcome gifts are applicable to Principal Card applicants who have submitted application form and successfully

applied for a Standard Chartered American Express Card and a Standard Chartered VISA Card / MasterCard at thesame time on or before 31 December 2008.

2. To be eligible for the welcome gift of HK$300 city’super Cash Voucher (i.e. 3 pieces of HK$100 Cash Voucher),Principal Cardholder must spend HK$2,800 or more (including cash advance) with the new Standard CharteredAmerican Express Card within the first 2 months of the date of Standard Chartered American Express Card issuance.

3. Once the welcome gift is chosen, welcome gift cannot be exchanged for alternative.4. A redemption letter will be sent to the eligible Principal Cardholder within 4-6 weeks after the spending requirement

has been met. Details of the redemption procedure will be described in the redemption letter.5. Each successful Principal Card applicant will only be entitled to the welcome gift once regardless of the number of

approved applications they make within the promotion period.6. The welcome gifts are not transferable or redeemable for cash.7. The welcome gifts are available on a first-come-first-served basis while stock lasts. Standard Chartered Bank (Hong

Kong) Limited (the “Bank”) reserves the right to offer an alternative gift as replacement in case of shortage.8. Cardholders understand and accept that the Bank is not the supplier of the welcome gifts offered in this promotion.

The Bank shall have no legal liability relating to any aspect of the products / services including, without limitation,their quality and the supply.

General Terms & Conditions:1. The approval of the credit card is subject to the final decision of the Bank.2. The Bank reserves the right to amend the contents and all terms and conditions contained in this promotional leaflet

at any time. In case of disputes, the decision of the Bank shall be final.3. If there is any inconsistency between the English and Chinese versions, the English version shall prevail.

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a. in relation to the Cash Back Rewards:

b. in relation to the Bonus Points Rewards:

and Conditions, a “Membership Year” for a particular Card means a calendar year period to be designated by theBank for that Card. If the Cardholder shall enroll in the rewards scheme during any current Membership Year, theAnnual Rewards Scheme Fee for the remaining part of the current Membership Year shall be payable on a pro-rata basis.

2. Transactions made by both Principal and Supplementary Cardholder(s) of the same Standard Chartered AmericanExpress Card Account (the “Card Account”) are counted collectively in calculating the Cash Back / Bonus Points.The Principal and Supplementary Cardholders of the same Card Account can enroll only in the same one rewardsscheme (and not both rewards schemes).

3. Cash Back / Bonus Points (the “Rewards”) earning shall be based on retail purchase transactions (including localand overseas transactions) posted to the Card Account:a. in relation to the Cash Back Rewards - Cash Back will be based on the accumulated retail purchase amount in a

Statement Period.b. in relation to the Bonus Points Rewards – the Bonus Points will be based on the accumulated retail purchase in

a Billing Year. For the purpose of these Terms and Conditions, a “Billing Year” for a particular Card means acalendar year period to be designated by the Bank for that Card for Bonus Points calculation.

4. Cash advances, balance transfers, “instalment credit” amounts, “credit-to-cash” amounts, bill payments, purchaseof merchants’ cash coupon/ gifts certificates, finance charges and fees do not earn any Rewards. Any unposted /cancelled / refunded / falsified / unauthorized transactions are also excluded.

5. The Rewards are based on the accumulated retail purchase amount as follows:

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Accumulated Retail Purchases Amount (HK$)in a Statement Period

$0 – $3,000

over $3,000

Rewards

All retail purchase amount will be entitled to 0.8%Cash Back

All retail purchase amount will be entitled to 1.6%Cash Back

Accumulated Retail Purchases Amount (HK$)in a Billing Year

$0 – $120,000

over $120,000

Rewards

All retail purchase amount will be entitled to 4xBonus Points

The first HK$120,000 retail purchase amount willbe entitled to 4x Bonus Points; and further retailpurchase amount in excess of HK$120,000 will beentitled to1x Bonus Point

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Issued by Standard Chartered Bank (Hong Kong) Limited

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