Gifts are only available while stocks last. Act now! The offer is valid till 30 April.

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1 Hang Seng Green Bank actively encourages university students to take a more environmentally friendly approach of financial management helping you take the essential first step in starting your financial roadmap. With Hong Kong Baptist University Credit Card and Integrated Account of Green Banking, you can take control of your financial management at one stop while enjoying shopping and spending fun: Hong Kong Baptist University Credit Card For every spending with your card, Hang Seng will donate part of the total spending on your Card to Hong Kong Baptist University for support of campus enhancement projects, student activities and alumni affairs development. Exclusive merchant discounts and privileges on campus facilities offered by Hong Kong Baptist University. For every HK$250 retail spending made with your card, you will earn $1 Cash Dollar which can be used as instant cash at over 3,800 designated merchant outlets throughout Hong Kong. Enjoy exclusive 3X Cash Dollars Self-enhancement Reward for every purchase at bookstores, payment on designated courses or payment on public examination fees with the card. Integrated Account of Green Banking This Integrated Account is specially designed for full-time tertiary students at local universities / institutions of tertiary education, it offers you everything from deposit services, investments and insurance. The Green Banking smart ATM card - the first of its kind embedded with a Hongkong Post e-cert - allows you not only to access the general ATM services, but also to conduct online transactions conveniently in a secure environment. You can use the embedded e-cert to sign PDF documents with a legally binding digital signature and experience the new payment method. Green e-news brings you feature stories about trendy information, updates on our banking services and an array of exclusive privileges. It is about giving you a unique banking experience. Customer Enquiry hangseng.com/ubooth Apply for a Hong Kong Baptist University Credit Card and open a : Hang Seng Bank Branch - 4/F, Ho Sin Hang Campus Venue 9am - 5pm Time Offer You Up To 140 HK$ Annual Fee Waiver Offer Cash Coupon Credit Card Perpetual Annual Fee Waiver Green Banking Integrated Account monthly fee waiver during the period of studies and the first 3 years after graduation with auto Integrated Account upgrade service Free-Cert subscription for the first 3 years and get a ECERTS User Kit Gifts are only available while stocks last. Act now! The offer is valid till 30 April. The offer is valid till 30 April 2011 and bound by the related Terms and Conditions. For details, please refer to the promotional leaflet or contact Hang Seng Bank staff. The pictures above are for reference only.

2 Page 5 Hong Kong Baptist University Credit Card To apply, simply complete the attached application form with the copies of required documents and return to any Hang Seng Bank branch or mail to P. O. Box Kowloon Central Post Office, Kowloon. Please read the following "Important Note" before application. Important Note 1. Principal and Supplementary Card applicants must be at least 18 and 16 years of age respectively. 2. Upon approval of application, the annual fee for both Principal Card and Supplementary Card(s) will be perpetually waived (Supplementary Card is not applicable to full-time student customers). Each Customer can enjoy perpetual annual fee waiver for 1 Hang Seng Credit Card only (except The Hong Kong Jockey Club Membership Card, enjoy Card and Hang Seng CUP Credit Card). 3. I confirm I have received the Instant Gift from ("Hang Seng") (if applicable). I confirm that I am not an existing cardholder of any Hang Seng Credit Card now or in the past 12 months. I agree that I will not repeat and/or cancel the application of Hang Seng Credit Card during the promotion period, otherwise I will not be entitled to the Instant Gift. I understand that Hang Seng will charge a handling fee which is equivalent to the value of the Instant Gift and will debit such amount from my credit card account. For the value of the Instant Gift, please refer to the promotion leaflet during the promotion period. 4. Terms and Conditions of Rasonic Travel Hair Dryer (Model: RA-HD12C): Rasonic Travel Hair Dryer is only applicable to the customers of University Affinity Credit Cards (Platinum Card) whose application is successfully approved. The above gift is only applicable to customers without holding any University Affinity Credit Card currently and / or in the past 6 months. Redemption letter will be mailed to customers within seven working days after the issue date of the Card Collection Advice. The gift will not be offered if the application is not approved or cancelled. For Terms and Conditions, please refer to the redemption letter. 5. Terms and Conditions of Lafuma Hiking Bag (Model: LFS5033): Lafuma Hiking Bag is only applicable to the customers of University Affinity Credit Card (Gold / Classic) whose application is successfully approved. The above gift is only applicable to customers without holding any University Affinity Credit Card currently and/or in the past 6 months. Redemption letter will be mailed to customers within seven working days after the issue date of the Card Collection Advice. The gift will not be offered if the application is not approved or cancelled. For Terms and Conditions, please refer to the redemption letter. 6. Terms and Conditions of Pioneer 3D Blu-ray Disc Player (Model: BDP430): Redemption letter will be mailed to the customer within seven working days after the issue date of the Card Collection Advice. For Terms and Conditions, please refer to the redemption letter. Hang Seng will debit the approved Hang Seng Credit Card account of the customer ("Credit Card Account") with the redemption price of the Pioneer 3D Blu-ray Disc Player (i.e. HKD1,452) ("Redemption Price") by 12 consecutive monthly instalments (each instalment is HKD121), commencing from such date as Hang Seng may prescribe at its full discretion. Hang Seng will hold an amount equivalent to the Redemption Price from the credit limit of the Credit Card Account until the last instalment has been debited. Hang Seng will proportionally reduce the hold amount from the credit limit of the Credit Card Account every month after Hang Seng successfully debits the Credit Card Account with the instalment amount due. No finance charge is payable by the customer who makes full repayment of the statement balance specified in the customer's credit card account statement on or before the payment due date of each month. If the customer fails to make full repayment of the statement balance specified in the customer's credit card account statement on or before the payment due date of each month, the customer shall pay a finance charge on all outstanding balance on the credit card account pursuant to the relevant Hang Seng Credit Card cardmember agreement ("Cardmember Agreement") governing the use of the credit card account. The customer shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to the credit card account from the post date of such monthly instalment. On default of payment of any moneys due under the Credit Card Account or in case of breach of any provisions of the applicable Cardmember Agreement governing the use of the Credit Card Account or any of these Terms and Conditions by customer or in case of cancellation or termination of the customer's Credit Card Account or the instalment offer for whatever reason, all outstanding instalments or balance of moneys owing under these Terms and Conditions shall immediately become due and payable by customer and shall, at the absolute discretion of Hang Seng, be debited against the Credit Card Account whereupon the Cardmember Agreement shall apply to all the said instalments and balance. If the customer selects Pioneer 3D Blu-ray Disc Player and has not redeemed the Pioneer 3D Blu-ray Disc Player at designated gift redemption centre within 90 days from the issue date of Card Collection Advice, Hang Seng will debit the Credit Card Account with the Redemption Price of the Pioneer 3D Blu-ray Disc Player by 12 consecutive monthly instalments (each instalment is HKD121) commencing from such date as Hang Seng may prescribe at its full discretion. 7. Other Terms and Conditions of Welcome Gift : To entitle to the Gift offers, the customers are required to submit the application for City University of Hong Kong Credit Card / Hong Kong Baptist University Credit Card / The Chinese University of Hong Kong Credit Card / School of Continuing and Professional Studies CUHK Credit Card ("University Affinity Credit Cards") and have the relevant credit card approved by Hang Seng during 3 January and 30 June Gift offers are only applicable to Principal Card customers. If the customer has received the gift but subsequently cancels the Credit Card Account within 13 months from the date of account opening, a handling fee of HKD100 (applicable to Rasonic Travel Hair Dryer/Lafuma Hiking Bag) will be charged. In case the selected gift runs out of stock, Hang Seng reserves the right to replace it with another gift. If there is no selection of gift in the application form, customer will be considered as having given up the right for the relevant gift. Once the gift is chosen or redeemed, no change or replacement will be accepted. Gift offers are available while stock lasts. Gift offers are not applicable to Hang Seng staff (except Pioneer 3D Blu-ray Disc Player). All products, services and information regarding the privilege one and two are directly sold and supplied to customer by the suppliers who are solely responsible for all related obligations and liabilities. Hang Seng reserves the right to vary or terminate the offers and to amend the Terms and Conditions of the offers from time to time. In case of dispute, the decision of Hang Seng shall be final. 8. Terms and Conditions of University Affinity Credit Card 3x Cash Dollars Self-enhancement Reward (the "Reward"): The promotion period is from 8 July 2010 to 30 June 2011 ("Promotion Period"). The Reward is only applicable to City University of Hong Kong Credit Card, Hong Kong Baptist University Credit Card, The Chinese University of Hong Kong Credit Card and School of Continuing and Professional Studies CUHK Credit Card ( University Affinity Credit Cards ). Customers can register by calling the registration hotline during the promotion period. Upon successful registration, customers can earn 3 times Hang Seng Credit Card Cash Dollars (including the basic Cash Dollars earned) on all eligible transactions from the registration month to 30 June 2011 by spending with University Affinity Credit Cards. Eligible transactions include: (i) purchase at local or online bookstores; (ii) payment on courses held by local and overseas universities/ institutions (according to the reimbursable course list of The Continuing Education Fund); or (iii) payment on local and overseas public examination fees during the Promotion Period which are successfully posted to the Credit Card Account on or before 16 July Eligible transactions do not include merchant instalment, autopay, phone and fax orders (bill payments and purchases), handling fees for cash advance, finance charges, late charges, transactions with the merchant codes which are not defined as bookstore / education / examination by Hang Seng / Visa International / MasterCard Asia/Pacific (Hong Kong) Limited from time to time, transactions with the merchant codes which are not defined as correct codes of related business by the merchants'acquiring banks and any unauthorized transactions. All transactions that are found to be fraudulent or eventually cancelled/returned are not eligible transactions. The eligible merchants for the Reward shall be determined at the sole and absolute discretion of Hang Seng and may be varied from time to time without further notice. Each Credit Card Account is entitled to a maximum total of $500 extra Cash Dollars during the Promotion Period. Spending amount is calculated based on single Credit Card Account, including spending of supplementary cards for which transactions are posted to the same principal card account. For eligible transactions made by University Affinity Credit Card, customers are entitled to the prevailing reward of 1 time Cash Dollar and extra 2 times Cash Dollars. The Reward is calculated by each transaction and the Cash Dollars will be rounded down to the nearest dollar. Less than $1 Cash Dollar will be forfeited. BUHK-BN03(ISP-E) 01/11 (LT)

3 Page 6 Extra 2 times Cash Dollars will be calculated on the last date of September, December in 2010 and March, June in 2011 respectively. Extra Cash Dollars will then be automatically credited to your account within 2 months after each calculation provided that the Credit Card Account is still valid and in good standing when the extra Cash Dollars are credited. All eligible customers will be notified of the Reward details by mail. Hang Seng will verify the eligibility of all Reward and check if the customers' relevant transactions match with Hang Seng's transaction records. In case of discrepancy, Hang Seng's records shall be final and conclusive. Use of Cash Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline Hang Seng reserves the right to vary or terminate the above Reward at any time and to amend the terms and conditions of the Reward from time to time. In case of any dispute, the decision of Hang Seng shall be final. 9. Hang Seng may ask for additional documents at the year of graduation in handling card renewal (Only applicable to full-time student applicants). 10. The applicant and the Supplementary Card applicant (if any) (collectively referred to as "the Applicant(s)") acknowledge(s) and agree(s) that irrespective of whether the Applicant(s)' application(s) is / are subsequently withdrawn or rejected, all personal data and information with respect to the Applicant(s) which are provided by the Applicant(s) at the request of Hang Seng or collected in the course of dealings between the Applicant(s) and Hang Seng (the Data ) may be used 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 from time to time. The Applicant(s) also acknowledge(s) and agree(s) that the Data 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 Data or enabling them to provide such Data to other institutions: (i) in order that they may carry out credit and other status checks; and (ii) to assist them to collect debts. 11. The Applicant(s) agree(s) that Hang Seng may transfer the Data outside the Hong Kong Special Administrative Region, conduct matching procedures (as defined in the Personal Data (Privacy) Ordinance) using the Data and such other personal data and information relating to the Applicant(s), and provide banker's or credit references in respect of the Applicant(s). 12. In the case where a guarantee / third party security, unlimited in amount, has been or is presently issued in Hang Seng's favour in respect of any or all liabilities of the Applicant(s) owed to Hang Seng, the Applicant(s) agree(s) that Hang Seng may from time to time provide the guarantor / provider of third party security with any data, details or information (including any of the Applicant(s)' Data) relating to any loan / banking / credit facilities extended by Hang Seng to the Applicant(s) for the purpose of notifying the guarantor / provider of third party security of the liabilities under the guarantee / third party security. 13. The Applicant(s) agree(s) that they could be entitled to the Welcome Gift(s) (if applicable) only if they had fulfilled relevant requirements. For details, please refer to relevant promotional leaflets. The Welcome Gift(s) is/are are available while stock lasts. 14. The Applicant(s) agrees(s) that, as a reminder for making repayment (if necessary), Hang Seng may transmit the relevant message via applicant(s)' mobile phone number maintained in Hang Seng s record. 15. The annual fee for Platinum Card is HK$800 and HK$400 for each Supplementary Card. The annual fee for Gold Card is HK$540 and HK$270 for each Supplementary Card; annual fee for Classic Card is HK$240 and HK$120 for each Supplementary Card. 16. Finance charge for retail purchase and interest rate on cash advance: Finance charge for retail purchase: 2.34%-2.67% per month (annualised percentage rate 30.29%-35.25%) Interest rate on cash advance: 2.34%-2.67% per month (annualised percentage rate 34.20%-39.54%) The finance charge for retail purchase and interest rate on cash advance applicable to the credit card approved by using this application form are subject to the final decision of Hang Seng, and applicants will be notified of the finance charge and interest rate upon card collection. The above annualised percentage rates (APR) are calculated according to the standard method set out in the Code of Banking Practice and the applicable annual fee (if any) is not included in the APR calculation. In case of your failure to repay the minimum payment amount by payment due date stated on the relevant credit card statement, Hang Seng reserves the right to vary or increase the above interest rate to the rate specified from time to time. For details of other service charges, please ask any Hang Seng Bank branch staff. 17. Hang Seng and Hong Kong Baptist University ("HKBU") reserve the right of final decision on the course eligibility and status of student, alumnus, staff, court member, council member and nominee referred by HKBU. 18. The English version of these terms and conditions shall prevail whenever there is a discrepancy between the English and Chinese versions. 19. In case of dispute, the decision of Hang Seng shall be final. Required Documents To facilitate our processing, please return the application form with the copies of required documents and mail or return to any Hang Seng Bank branch. All documents including the enclosed application form supplied are not returnable. Full-time Students 1. HKBU Student ID Card / School of Continuing Education (SCE), HKBU Student ID Card 2. Hong Kong Identity Card / Hong Kong Permanent Identity Card of Principal Card applicant 3. If applicant is non-hong Kong Permanent Identity Cardholder, please attach passport copy, permanent address proof (if applicable), Exit-entry Permit for Travelling to and from Hong Kong and Macao and Home Country Identification Document copy (if applicable) 4. If former / other name is specified, please attach certificate of registered particulars Alumni / Full-time Staff / Part-time Students / Court members / Council members and Nominees referred by HKBU Hong Kong Identity Card / Hong Kong Permanent Identity Card of Principal Card and Supplementary Card (if applicable) applicant(s) Bank Statements / Passbook showing your name, account no. and the latest 1 month's salary (salary proof is waived for Hang Seng Auto-Payroll customers who have payroll transactions in previous 1 month) Latest Tax Return / Payroll Advice Latest 3 months of other proof of asset(s), e.g. Time Deposit Advice, Other Bank Deposit Statement If self-employed, please attach copy of Business Registration Certificate The latest Hang Seng MPF record (only applicable to Hang Seng MPF customers) HKBU Student ID Card / SCE, HKBU Student ID Card (applicable to Part-time Student only) HKBU Staff ID Card / SCE, HKBU Staff ID Card (applicable to Full-time Staff only) If former / other name is specified, please attach certificate of registered particulars If Principal and Supplementary Card Applicant(s) (if applicable) is / are non-hong Kong Permanent Identity Cardholder(s), please attach passport copy, permanent address proof (if applicable), Exit-entry Permit for Travelling to and from Hong Kong and Macao and Home Country Identification Document copy (if applicable) Please attach residential address proof of Supplementary Card applicant (if applicable) if different from Principal Card applicant Note: Hang Seng reserves the right to request the applicant to provide extra salary proof according to specific conditions Applicants who are contract staff should hold an employee contract of not less than 12 months with the HKBU / SCE, HKBU and at the time of application, such contract should have at least 6 months validity period. Relevant true copies of the documents have to be provided to Hang Seng for review upon its request. BUHK-BN03(ISP-E) 01/11 (LT)

4 Hong Kong Baptist University Credit Card Application Form US Page 7 To: ( Hang Seng ) Please fill in the form in English BLOCK letters and " " where appropriate. The light yellow parts must be filled. To facilitate our application processing, please return this application form with the copies of required documents. Your Choice of Credit Card Supplementary Card (Not Applicable to Full-time Students) You are the affiliation of Hong Kong Baptist University School of Continuing Education, Hong Kong Baptist University Students (Full-time) Visa Card (NVBD/NVSD) MasterCard (NMBD/NMSD) Full-time Staff / Students (Part-time) Visa Platinum Card (NKBM//NKSM) Visa Gold Card (NPBH/NPSH) Visa Card (NVBD/NVSD) Platinum MasterCard (NTBM//NTSM) Gold MasterCard (NGBK/NGSK) MasterCard (NMBD/NMSD) Alumni / Court Members / Visa Platinum Card (NKBM//NKSM) Visa Gold Card (NPBH/NPSH) Council Members / Nominees Platinum MasterCard (NTBM//NTSM) Gold MasterCard (NGBK/NGSK) Note: Mininum annual income for card applicant is HK$48,000 or above (not applicable to full-time student). If no card type is specified or the selected card type is not approved, Hang Seng will issue you a card type based on the approval result. Hang Seng may, according to your annual income or average net worth and credit condition, upgrade your application to a Gold / Platinum Card (not applicable to full-time students). Hang Seng reserves the final decision on the card type to be approved. If you do not wish to have a Gold / Platinum Card, please " " here. Welcome Gift Welcome Gift Gift name: Note: Please refer to the relevant promotion leaflet for details of the Welcome Gift. Customer has to select the welcome gift with vaild promotion period at the time of application. If no indication of the choice of gift, Hang Seng will regard as giving up the right of choosing gift. Open an Integrated Account R.C#Y I would like to open an Integrated Account. Please contact me to make the required account opening arrangements. Personal Information English Name as printed on HKID Card Mr M Mrs R Miss I Ms S Surname Given Name Name in Chinese Permanent Address (for non-hong Kong Permanent Identity Cardholder only) Above mentioned is permanent address Yes No (please provide permanent address proof) * If you are non-hong Kong Permanent Identity Cardholder, and hold Exit-entry Permit for Travelling to and from Hong Kong and Macao, please provide the permit proof and Home Country Identification Document copy. Employment Information (Not Applicable to Full-time Students) Name of Employer Office Address Flat / Room Floor Block Building Street/District Area HK 09 KLN 16 NT 19 Outlying Islands 09 Office Tel. No. Present Position Basic Monthly Income HK$ Dept. / Unit (if applicable) Former / Other Name (If any, please atach relevant proof) HKID Card No. (please attach copy) / Passport No* (If you are non-hong Kong Identity Cardholder, please provide Passport No. and proof) Date of Birth Day Month Year Nationality Marital Status Single 1 Married 2 Divorce 4 Others 0 No. of Dependants Education Level University or above 5 Post-Secondary 4 Secondary completed 3 Others 2 Residential Status Owned Property (No contribution required) 4 Mortgaged 3 Year purchase made / Monthly instalment you are responsible for HK$ Rented 1/2 Monthly rental you are responsible for HK$ Live with parents 5 Quarters 6 Others z (please specify ) Residential Address Flat/Room Floor Block Building/Estate Street/District Area HK 09 KLN 16 NT 19 Outlying Islands 09 Year(s) at Present Address Y M Home Tel. No. Mobile Tel. No. Address (maximum 35 characters) Nature of Business Year(s) of Service at Existing Company Y M Annual Income (including bonus and other income, please specify) HK$ BUHK Staff ID Card No. (please attach copy if applicable) Correspondence Address (Overseas address and P.O. Box are not acceptable) Home Address H Office Address O (If office address is selected, please attach residential address proof such as electricity bill, bank statement, etc.) University Information (For Alumni / Students Use Only) Student ID Card No. (for students use only and please attach copy) Year of Graduation Y M Course Type Degree or above Associate Degree / Advanced Diploma / Advanced Certificate / Diploma / Certificate Note: Relevant correspondence and monthly statement will be mailed to your residential address (applicable to full-time students only). I hereby request and authorise Hang Seng to issue a Supplementary BUHK Credit Card to the person identified below, who is at least 16 years of age. (Supplementary Card Applicant please sign on the signature panel) English Name as printed on HKID Card Mr M Mrs R Miss I Ms S Surname Name in Chinese Given Name Former / Other Name (If any, please atach relevant proof) HKID Card No. (please attach copy) / Passport No* (If you are non-hong Kong Identity Cardholder, please provide Passport No. and proof) Date of Birth Day Month Year Nationality Relationship Mobile Tel. No. Present Position Address (maximum 35 characters) Home Tel. No. Nature of Business Office Tel. No. Residential address of Supplementary Card applicant is different from Principal Card applicant. (if so, please attach residential address proof of Supplementary Card applicant) Note: Correspondence and monthly statements will be sent to the correspondence address of the Principal Card applicant. Permanent Address (for non-hong Kong Permanent Identity Cardholder only) Permanent address of Supplementary Card Applicant is different from the residential address of Principal Card applicant (If so, please provide permanent address proof of Supplementary Card Applicant) ATM Facilities I wish my credit card to have ATM access to my HK Dollar account(s) with Hang Seng Bank below Additional Bank A/C 1 Additional Bank A/C 2 A/C No. Signature(s) (Please use signature filed with ) If such account is a joint account, the account can be operated by either account holder and all account holders must sign. I wish to extend this facility to my Supplementary Card Yes No Note: The designated account(s) must be joint account(s) in the name of the applicant and Supplementary Card applicant, and such account(s) can be operated by either one alone. Choice of Language on ATM Screen Principal Card Chinese C English E Supplementary Card Card Collection Branch I and Supplementary Card applicant (if applicable) wish to collect my BUHK Credit Card and / or open an Integrated Account at the following Hang Seng Bank branch (Card collection is not available at MTR Station Offices (except Tsuen Wan Station) and Banking Centres). (If not specified, Hang Seng will assign the collection branch at its discretion. The Principal and Supplementary Card applicant(s) (if applicable) is / are required to collect his / her credit card in person at the collection branch.) Principal Card Collection Branch Supplementary Card Collection Branch JG99 KJ03 Signature(s) of Applicant(s) Please inform ( Hang Seng ) in writing (i) if you are / were (within the past 12 months) a director of, or (ii) if you are a substantial shareholder / chief executive / employee of, any member of the HSBC Group or a relative of or trustee for any such director / substantial shareholder / chief executive / employee. Please also promptly inform Hang Seng if any of you are or become in any way connected with (i) a director of Hang Seng or any of its subsidiaries; or (ii) an entity controlling 10% or more of the shares in Hang Seng. Hang Seng requires the information to comply with the Listing Rules. I / We confirm that, as of the date of this application form, I / we or the government department of HKSAR in which I / we am / are working have / has 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. I / We confirm that (i) I / we did not own any credit card that was cancelled due to default payment; (ii) I / we currently do not have any overdue payment in respect of any of my / our indebtedness; and (iii) there is no bankruptcy order made against me / us and I / we am / are not in the process of petitioning for bankruptcy nor have any intention to do so. The applicant and the Supplementary Card applicant (if any) (collectively referred to as "the Applicant(s)") confirm(s) that all of the above information is true and correct and can be used by Hang Seng for direct marketing purposes. The Applicant(s) authorise(s) Hang Seng to communicate and to exchange such information with whatever sources Hang Seng may consider appropriate for the purpose of verifying the same. The Applicant(s) authorise(s) Hang Seng to disclose to Hong Kong Baptist University ("HKBU") from time to time any data and information related to me / us, the data and information will be used by HKBU for the purpose of updating the personal information stored in the alumni database of HKBU in connection with the alumni nework development of HKBU. The Applicant(s) agree(s) to be bound by the details as specified in the Important Note herein and the applicable terms and conditions in force from time to time governing the use of the HKBU Credit Card that accompany each card. A copy of the relevant terms and conditions is available upon request at any Hang Seng Bank branch. The principal liabilities and obligations for using the Card(s) under application herein are highlighted in the enclosed page for the attention of the Applicant(s). X Signature of applicant Date Signature of Supplementary Card applicant (if applicable) Date For Bank Use Only REJ APP CR LIMIT CONVERSION A/C Agent Code Type of Customer/Discount Tx Branch Code Ref. Branch Code Tx Staff ID Referral Staff ID X BUHK-BN03(ISP-E) 01/11 (LT)

5 Page 8 (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, officers and managers of corporate customers or applicants) (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 or guidelines 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 or comply with any laws or guidelines issued by regulatory or other authorities. 3. It is also the case that data are collected from data subjects in the ordinary course of the continuation of the banking/financial relationship, for example, when data subjects write cheques, deposit money or carry out card transactions. 4. The purposes for which data relating to data subjects may be used are as follows:- (i) the daily operation of the 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 or products of the Bank and/or selected companies; (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 the requirements to make disclosure under the requirements of any law binding on the Bank or any of its branches or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Bank or any of its branches are expected to comply; (xi) enabling an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank s rights in respect of data subjects to evaluate the (xii) transaction intended to be the subject of the assignment, participation or sub-participation; exchanging information with merchants accepting credit cards issued by the Bank and entities with whom the Bank provides affinity/co-branded/private label credit card services (each a merchant or an affinity entity ); (xiii) verifying data subjects identities with any card acquirer of a merchant in connection with any card transactions; and (xiv) purposes relating thereto. 5. Data held by the Bank relating to data subjects will be kept confidential but the Bank may provide such information to the following parties for the purposes set out in paragraph 4: (i) (ii) (iii) (iv) (v) any agent, contractor or 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; any other person under a duty of confidentiality to the Bank including a group company of the Bank or a merchant or an affinity entity which has undertaken to keep such information confidential; the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer; credit reference agencies, and, in the event of default, debt collection agencies; any person to whom the Bank is under an obligation to make disclosure under the requirements of any law binding on the Bank or any of its branches or under and for which the purposes of any guidelines issued by regulatory or other authorities with which the Bank or any of its branches are expected to comply; (vi) any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank s rights in respect of data subjects; (vii) any card acquirer of a merchant; and (viii) selected companies for the purpose of informing data subjects of services which the Bank believes will be of interest to data subjects. 6. 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) (ii) (iii) (iv) (v) to check whether the Bank holds data about him and of access to such data; to require the Bank to correct any data relating to him which is inaccurate; to ascertain the Bank s policies and practices in relation to data and to be informed of the kind of personal data held by the Bank; 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 in relation to data which has been provided by the Bank to a credit reference agency, to instruct the Bank upon termination of an account by full repayment to make a request to the credit reference agency to delete such data from its database, as long as the instruction is given within 5 years of termination and at no time did the account have a default of payment lasting in excess of 60 days within 5 years immediately before account termination. In the event the account has had a default of payment lasting in excess of 60 days the data may be retained by the credit reference agency until the expiry of 5 years from the date of final settlement of the amount in default or 5 years from the date of discharge from a bankruptcy as notified to the Bank, whichever is earlier. 7. 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. 8. 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 83 Des Voeux Road Central Hong Kong Fax: (852) The Bank may have obtained credit reports on data subjects from a credit reference agency in considering any application for credit. In the event data subjects wish to access credit reports, the Bank will advise the contact details of the relevant credit reference agency. 10. Nothing in this Notice shall limit the rights of data subjects under the Ordinance. Date: 26 March 2007

6 Page 9 Principal Liabilities and Obligations under the Terms and Conditions Principal liabilities and obligations for using the Hang Seng Credit Card under the respective terms and conditions are highlighted below for your particular attention. You must read the FULL VERSION of the terms and conditions governing the use of the Hang Seng Credit Card. The terms and conditions are available at branches for collection. 1. You must exercise reasonable care and diligence in safekeeping the Hang Seng Credit Card, the personal identification numbers ( PIN ) and/or the e- shopping Card Account Number (if applicable). In the case of any loss, theft or unauthorised disclosure of any of them, you must report to Hang Seng Bank Limited ( Hang Seng ) as soon as reasonably practicable upon notice or suspicion thereof. 2. You shall be liable for all unauthorised transactions and losses suffered by Hang Seng involving the use of the Hang Seng Credit Card, the PIN and/or the e- shopping Card Account Number (if applicable) if you have acted fraudulently or with gross negligence or failed to fulfil the obligations as set out in Clause 1 above. 3. You shall repay promptly the outstanding balance of your Hang Seng Credit Card account upon demand by Hang Seng. 4. You shall be responsible for all costs and expenses reasonably incurred by Hang Seng in enforcing the terms and conditions and recovering any sum you owe to Hang Seng. 5. You shall report to Hang Seng any discrepancies in any Hang Seng Credit Card statement within 60 days of the statement date. 6. Hang Seng is entitled to amend the terms and conditions, and vary any fees and charges in respect of the use of the Hang Seng Credit Card, subject to a 30- day notice, which shall be binding on you if you continue to use or retain the Hang Seng Credit Card after the effective date as specified in the notice. You may elect to terminate the Hang Seng Credit Card pursuant to the terms and conditions if you do not agree to such amendments or variations. 7. You must sign the Hang Seng Credit Card immediately upon receipt. 8. The maximum liability for unauthorised card transaction(s) before the loss, theft and/or unauthorised disclosure of the Hang Seng Credit Cards / the e- shopping Card Account Number / PIN is reported will be subject to the applicable laws and regulations. However, you are liable for all unauthorised cash advances, withdrawals, transfers and transactions effected with the use of the PIN before we are actually notified of the loss, theft or unauthorised disclosure of the PIN. 9. You must repay the outstanding balance on time to avoid payment of interests and finance charges. If Hang Seng does not receive the minimum payment amount as specified in the relevant Hang Seng Credit Card statement on or before the payment due date, an additional late charge shall be payable by you. 10. While the principal cardmember is held liable for the debts and liabilities of the principal cardmember and each supplementary cardmember, supplementary cardmember shall only be liable for his/her debts and liabilities. 11. Hang Seng is only entitled to apply the credit balance of the principal cardmember s account(s) in or towards satisfaction of the debts and liabilities owed by the principal cardmember and/or any supplementary cardmembers to Hang Seng. Hang Seng will only apply the credit balance of the supplementary cardmember s account(s) in or towards satisfaction of the debts and liabilities owed by the supplementary cardmember to Hang Seng. 12. Each cardmember using the SelectImage MasterCard services has to warrant that the use of the relevant photograph does not infringe the rights of any person and that the cardmember shall indemnify Hang Seng for all liabilities arising from any breach of such warranty.