Mortgage Insurance Programme and Home BonusPack (including Banking Plan and Credit Card) Application Form

Transcription

1 Mortgage Insurane Programme and Home BonusPak (inluding Banking Plan and Credit Card) Appliation Form Mortgage Loan Aount No. Mortgage Appliation Date (D/M/Y): Appliant(s) (the Appliant ) who is/are the intending mortgagor(s) of the property (the Property ), together with the o-borrower(s) and/or the guarantor(s) who make(s) an appliation hereunder jointly with the mortgagor(s), should omplete this Appliation Form in English, with assistane provided by Standard Chartered Bank (Hong Kong) Limited (the Lender ). The term Lender herein means the Insured as defined in the Operational Manual of the Mortgage Insurane Programme operated by The Hong Kong Mortgage Corporation Limited (the HKMC ) or, in the event that the Lender hooses to insure the mortgage loan with a mortgage insurer other than the HKMC (the Insurer ), as defined in the Master Mortgage Insurane Poliy whih the Lender has entered into with the Insurer. (Note: Fields marked with # are not appliable to Obligor 1 where it is a ompany limited by shares ( shelf ompany ) and the loan is a Non Owner- Oupied Property Loan ). Appliation for Home BonusPak shall be automatially proessed upon suessful drawdown of the mortgage loan applied under this appliation form. To be eligible for the Banking Plan under Home BonusPak and Salary BonusPak, you are required to hold a valid deposit aount with the Bank. For details, please refer to Setion (A). If you DO NOT wish to apply for Home BonusPak and Salary BonusPak, please mark X / shade in the following hek box. * I / We DO NOT agree to apply for Home BonusPak and Salary BonusPak (HSH03) For eah eligible mortgage loan, the maximum ash subsidy amount for all prevailing offers must not exeed 1% of (i) the mortgage loan drawdown amount or (ii) the normal permissible loan to value eilings of the net purhase prie or the valuation of the property (whihever is lower) under the Hong Kong Monetary Authority guidelines, whihever is lower. If the sum of ash subsidy is greater than 1% of the aforesaid amount, the ash subsidy for all prevailing offer(s) will be redued to 1% of the aforesaid amount. Please omplete this Appliation Form by marking X /shade in the boxes and deleting the inappropriate parts denoted by **. 1 APPLICATION DATA OF OBLIGORS (a) Have you ever been a borrower/oborrower of mortgage loan(s) under the Mortgage Insurane Programme of the HKMC? Expeted Drawdown Date (D/M/Y): Bank Use Only 銀 行 專 用 Shaded fields are for AIP. iaip Done TU Condut Date (D/M/Y): Ineligible for HBP OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 Yes No Yes No Yes No 2 Have you ever been an owner or oowner of any residential property in Hong Kong in the 5 years preeding the Date of the Provisional Sale and Purhase Agreement? Yes No Yes No Yes No 3 Borrower (b) Mortgagor (b) Borrower (b) Mortgagor (b) Guarantor Borrower (b) Guarantor Mortgagor (b) 4 HKID or Passport HKID No.: ( ) Number # Passport No.: HKID No.: ( ) Passport No.: HKID No.: ( ) Passport No.: 5 ID / Passport Issue Country HK Other: HK Other: HK Other: 6 Salutation Mr Ms Mr Ms Mr Ms 7 Surname / Company Name 8 Given Name # 9 Name in Chinese # 10 Date of Birth # : (D) (M) (Y) (D) (M) (Y) (D) (M) (Y) 11 Nationality Chinese Other: Chinese Other: Chinese Other: 12 US Resident No Yes * No Yes * No Yes * Further details of Obligor 1 (appliable only to a Non Owner-Oupied Property Loan and where Obligor 1 is a shelf ompany) Business Registration Number: Date of Inorporation: (D) (M) (Y) Registered Offie: Business ativities other than property holding and letting Yes No Plae of Inorporation Please speify (if yes) : HK C. I. Number Other: 17 Arrangement of Current Home Sold To Sell To Let To be oupied by Sold To Sell To Let To be oupied by Sold To Sell To Let To be oupied by * Note: A ustomer who is a US resident without a valid deposit aount with the Bank is not eligible for the Banking Plan under Home BonusPak and Salary BonusPak. MortgageOne, Mortgage $aver and the opening of new deposit aount are not appliable to a ustomer who is a US resident. Page 1 of 22

2 APPLICATION DATA OF OBLIGORS (a) CONTINUE OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 Eduation Level: Primary Seondary Primary Seondary Primary Seondary 18 University / Tertiary or above University / Tertiary or above University / Tertiary or above Other UNK Other UNK Other UNK 19 Marital Status # : Single Married Single Married Single Married Other OTH Other OTH Other OTH No. of Dependents: No. of Dependents: No. of Dependents: 20 Address Optional Optional Optional 21 Telephone Numbers # : Home Home Home Offie Offie Offie Mobile Mobile Mobile 22 Relationship with Obligor 1 # : Current Home Flat Floor Blok Flat Floor Blok Flat Floor Blok Address # Building/Estate/DD Lot No. Building/Estate/DD Lot No. Building/Estate/DD Lot No. 23 Road/Street Road/Street Road/Street Distrit Distrit Distrit HK KLN NT Other: HK KLN NT Other: HK KLN NT Other: Self-owned Provided Rented Mortgaged Other, Please speify : Self-owned Provided Rented Mortgaged Other, Please speify : Self-owned Provided Rented Mortgaged Other, Please speify : 24 Permanent Address (If different from Current Home Address Flat Floor Blok Flat Floor Blok Flat Floor Blok Building/Estate/DD Lot No. Building/Estate/DD Lot No. Building/Estate/DD Lot No. Road/Street Road/Street Road/Street Distrit Distrit Distrit HK KLN NT Other: HK KLN NT Other: HK KLN NT Other: If Rented / Mortgaged, Monthly Payment $ $ $ (HKD) # Years of residing # Year(s) Month(s) Year(s) Month(s) Year(s) Month(s) Offie Address: Flat Floor Blok Flat Floor Blok Flat Floor Blok Building/Estate/DD Lot No. Building/Estate/DD Lot No. Building/Estate/DD Lot No. 27 Road/Street Road/Street Road/Street Distrit Distrit Distrit HK KLN NT Other: HK KLN NT Other: HK KLN NT Other: Correspondene Address BEFORE loan drawdown Use above urrent home address for respetive obligor OR Use below address for respetive obligor: Flat Floor Blok Flat Floor Blok Flat Floor Blok Building/Estate/DD Lot No. Building/Estate/DD Lot No. Building/Estate/DD Lot No. 28 Road/Street Road/Street Road/Street Distrit Distrit Distrit HK KLN NT Other: HK KLN NT Other: HK KLN NT Other: Page 2 of 22

3 APPLICATION DATA OF OBLIGORS (a) CONTINUE Correspondene Address AFTER loan drawdown a) Appliable only to Non Owner Oupied Property Loan OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 Use mortgaged property address OR Use residential address of respetive Obligor OR Use below address for respetive Obligor: Flat Floor Blok Flat Floor Blok Flat Floor Blok Building/Estate/DD Lot No. Building/Estate/DD Lot No. Building/Estate/DD Lot No. 29 Road/Street Road/Street Road/Street Distrit Distrit Distrit HK KLN NT Other: HK KLN NT Other: HK KLN NT Other: 30 b) Appliable only to Owner Oupied Property Loan The Address of Mortgaged Property must be and is defaulted as orrespondene address. If the Mortgaged Property is under onstrution, the Current Home Address of Obligor 1 must be and is defaulted as orrespondene address 31 Correspondene Address for Credit Card Use mortgaged property address OR Use appliant s respetive permanent address above OR Use appliant s respetive urrent residential address above For Bank Use Only Passed the Banking Agreement to Customer If you do not speify, the Lender will treat obligor s respetive residential address above as orrespondene address. Owning other properties: Yes, Please state: Address: Yes, Please state: Address: Yes, Please state: Address: 32 No * Required to fill in below delaration if the LTV of mortgage property is over 80% and up to 90%. First time homebuyer delaration I hereby delare, onfirm and aknowledge that I am a first time homebuyer (not holding any residential properties at the time of this appliation) and all information I have given to the Bank in onnetion with this appliation is orret, omplete and not misleading. If this is not the ase, I understand that I may have ommitted the offene of fraud. The deision of the Bank shall be final and onlusive. No * Required to fill in below delaration if the LTV of mortgage property is over 80% and up to 90%. First time homebuyer delaration I hereby delare, onfirm and aknowledge that I am a first time homebuyer (not holding any residential properties at the time of this appliation) and all information I have given to the Bank in onnetion with this appliation is orret, omplete and not misleading. If this is not the ase, I understand that I may have ommitted the offene of fraud. The deision of the Bank shall be final and onlusive. No * Required to fill in below delaration if the LTV of mortgage property is over 80% and up to 90%. First time homebuyer delaration I hereby delare, onfirm and aknowledge that I am a first time homebuyer (not holding any residential properties at the time of this appliation) and all information I have given to the Bank in onnetion with this appliation is orret, omplete and not misleading. If this is not the ase, I understand that I may have ommitted the offene of fraud. The deision of the Bank shall be final and onlusive. 33 Oupation #: 34 Employment Type # Regular Salaried Non-regular Salaried Self-employed (Professional) Self-employed (Non-professional) For self-employed: Business Establishment Date Regular Salaried Non-regular Salaried Self-employed (Professional) Self-employed (Non-professional) For self-employed: Business Establishment Date Regular Salaried Non-regular Salaried Self-employed (Professional) Self-employed (Non-professional) For self-employed: Business Establishment Date (D/M/Y) (D/M/Y) (D/M/Y) Business Ownership % Business Ownership % Business Ownership % Others Others Others Page 3 of 22

4 APPLICATION DATA OF OBLIGORS (a) CONTINUE OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 35 Employment Type Delaration (Appliable only to Selfemployed) Delaration i. I hereby delare, onfirm and aknowledge that (Company Name) is an operating ompany Or ii. I hereby delare, onfirm and aknowledge that (Company Name) is an operating ompany and is holding through the below ompanies: A. Shell Company (nonoperating) Or operating ompany Delaration Delaration i. I hereby delare, onfirm and aknowledge that i. I hereby delare, onfirm and aknowledge that (Company Name) is (Company Name) is an operating ompany an operating ompany Or ii. I hereby delare, onfirm and aknowledge that Or ii. I hereby delare, onfirm and aknowledge that (Company Name) is (Company Name) is an operating ompany and is holding through the below ompanies: an operating ompany and is holding through the below ompanies: A. Shell Company (nonoperating) Or operating ompany A. Shell Company (nonoperating) Or operating ompany B. B. B. C. C. C. D. D. D Duration of Current Employment # : Name of Current Employer #: E. E. E. I represent and warrant that all information I have given to the Bank in onnetion with this appliation is orret, omplete and not misleading. If this is not the ase, I understand that it may onstitute the offene of fraud. The Bank an rely on this delaration as an alternative doument to prove the ompany nature. The deision of the Bank shall be final and onlusive. Yr(s) Mth(s) Yr(s) Mth(s) Yr(s) Mth(s) 38 Position #: Duration of Previous Employment # : Previous Employer (if urrent employment is less than 1 year) # : Monthly Salary (HKD) # : Other Regular Monthly Inome (HKD): Monthly Salary of Previous Employment : Yr(s) Mth(s) Yr(s) Mth(s) Yr(s) Mth(s) $ $ $ $ $ $ $ $ $ Page 4 of 22

5 APPLICATION DATA OF OBLIGORS (a) CONTINUE OBLIGOR 1 OBLIGOR 2 OBLIGOR Existing debts Other Mortgage Loan(s) Downpayment Loan/Cofinaning Loan Other Mortgage Loan(s) Downpayment Loan/Cofinaning Loan Existing Mortgaged Car Park(s) Usage Outstanding Monthly Payment Interest Rate (%) ( ) Remaining Tenor (MTH) Interest Rate p.a. (For HIBOR plan, Prime ap is used as the interest rate) Outstanding Monthly Payment Interest Rate (%) ( ) Remaining Tenor (MTH) Interest Rate p.a. (For HIBOR plan, Prime ap is used as the interest rate) Outstanding Monthly Payment Interest Rate (%) ( ) Remaining Tenor (MTH) Interest Rate p.a. (For HIBOR plan, Prime ap is used as the interest rate) I/We have NO existing debts I/We have NO existing debts I/We have NO existing debts I/We HAVE the following existing debt(s) and the repayment shedule is/ are attahed. I/We HAVE the following existing debt(s) and the repayment shedule is/ are attahed. I/We HAVE the following existing debt(s) and the repayment shedule is/ are attahed. Car Park Address Use of Car Park Car Park Address Use of Car Park Car Park Address Use of Car Park If the Mortgaged Car park(s) is delared as Self use above, the relevant ar park is used for Self use Self use Self use Investment Investment Investment If the Mortgaged Car park(s) is delared as Self use above, the relevant ar park is used for If the Mortgaged Car park(s) is delared as Self use above, the relevant ar park is used for Current residential Address Current residential Address Current residential Address New mortgaged property address New mortgaged property address New mortgaged property address Offie Address Offie Address Offie Address I understand and aknowledge that if the mortgaged ar park spae is not in the same estate / building of the above address, the Bank, in its absolute disretion, may treat the mortgage of the ar park purhase as investment purpose when assessing my/our mortgage loan appliation. The Bank reserves the right to request further proof for assessment in onnetion with the matter delared in this form. In ase of disputes, the deision of the Bank shall be final and onlusive. (If more, please provide details in supplementary sheet) Auto Loan Overdraft/ Personal Loan(s) Credit Card (Outstanding) I understand and aknowledge that if the mortgaged ar park spae is not in the same estate / building of the above address, the Bank, in its absolute disretion, may treat the mortgage of the ar park purhase as investment purpose when assessing my/our mortgage loan appliation. The Bank reserves the right to request further proof for assessment in onnetion with the matter delared in this form. In ase of disputes, the deision of the Bank shall be final and onlusive. I understand and aknowledge that if the mortgaged ar park spae is not in the same estate / building of the above address, the Bank, in its absolute disretion, may treat the mortgage of the ar park purhase as investment purpose when assessing my/our mortgage loan appliation. The Bank reserves the right to request further proof for assessment in onnetion with the matter delared in this form. In ase of disputes, the deision of the Bank shall be final and onlusive. Page 5 of 22

6 APPLICATION DATA OF OBLIGORS (a) CONTINUE Outstanding OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 Monthly Payment Interest Rate (%) ( ) Remaining Tenor (MTH) Interest Rate p.a. (For HIBOR plan, Prime ap is used as the interest rate) Outstanding Monthly Payment Interest Rate (%) ( ) Remaining Tenor (MTH) Interest Rate p.a. (For HIBOR plan, Prime ap is used as the interest rate) Outstanding Monthly Payment Interest Rate (%) ( ) Remaining Tenor (MTH) Interest Rate p.a. (For HIBOR plan, Prime ap is used as the interest rate) 2.0 Other Loan(s) appliations Mortgage 1 Mortgage 2 Mortgage 3 I/We am/are NOT applying, or will NOT shortly apply for other loans. I/We am/are applying, or will shortly apply for other loans, please indiate estimated amount below: I/We am/are NOT applying, or will NOT shortly apply for other loans. I/We am/are applying, or will shortly apply for other loans, please indiate estimated amount below: I/We am/are NOT applying, or will NOT shortly apply for other loans. I/We am/are applying, or will shortly apply for other loans, please indiate estimated amount below: 45 Mortgage 4 (If more, please provide details in supplementary sheet) Personal Loans, Mortgage Overdraft Revolving Loans (Credit Card, Revolving ash) Mortgage Plan 1. Prime-based Mortgage (Floating Interest Rate): Conventional Prime-based MortgageOne * HIBOR-based Mortgage (Floating Interest Rate): Conventional HIBOR-based with interest fixing period month(s) Mortgage $aver* with 1-month HIBOR-based 3. Fixed Rate Mortgage month(s) 47 Mortgage Type: First Legal Charge (FLC) HIP HEP (Cash Out Refinaning) HEP (Transfer The Loan Outstanding Amount) Equitable Mortgage (EM) 48 Use of Property Self-oupany Investment Others (please speify) : 49 Name of Soliitor: 50 Name of Developers (For EM only): Consent Sheme (For EM only): Yes No 51 Area: (Gross, sq. ft) (Saleable sq. ft) 52 Purhase Prie (HKD): $ 53 Cash Rebate No Yes If Yes, Cash Rebate / Subsidy HK$ Offered by: Developer / Intermediary 54 Inentive No Yes If Yes, Value Of Other Inentive HK$ Offered by: Developer / Intermediary Net Purhase Prie (HKD) $ To be oupied by: (Not appliable to a Non Owner-Oupied Property Loan) (Please note paragraphs 9(b) and Obligor 1: Yes / No Obligor 2: Yes / No Obligor 3: Yes / No 19 of the Delaration ) Appliable only to a Non Owner-Oupied Property Loan Details of tenany agreement (if any) Monthly rent (HKD): $ For a period of year(s) ommening on: (D) (M) (Y) and expiring on: (D) (M) (Y) 58 Date of Provisional Sale & Purhase Agreement: (D) (M) (Y) Expeted drawdown date: (D) (M) (Y) 59 Building Completion Date (for EM only): D M Y Year of Completion/ Age of property (for non EM only) D M Y / Yrs * Note: MortgageOne, Mortgage $aver and the opening of new deposit aount are not appliable to a ustomer who is a US resident. Page 6 of 22

7 APPLICATION DATA OF OBLIGORS (a) CONTINUE Address: Flat Floor Blok Building/Estate/DD Lot No. 60 Road/Street Distrit HK KLN NT 61 Appraisal Value of Property Appurtenane Car park spae Village House Yes No HK$ Type of Valuation: Desk Bulk Desk Blok Full By Internal Valuer + Verbal Chek with External Qualified Valuer Internal Qualified Valuer External Qualified Valuer Valuation Centaline DTZ JLL Savills RHL Company: (C002) (DT01) (JL01) (F001) (R002) Valuer Ref.: Date of Valuation: (D) (M) (Y) Contat person for property inspetion (if appliable): Tel. No.: 62 Loan Amount (HKD): $ Refinaning Loan: No Yes If YES : Current outstanding prinipal balane (HKD): $ Loan Aount No. (appliable only With : Bank if the urrent loan is with the Lender: For Cash-out Refinaning Loan only : Cash-out Amount (HKD): $ Date of Formal S&P Agreement: (for bank use only) (D) (M) (Y) Intended Purpose Home deoration Eduation Debt onsolidation Purhase of goods (for referene only) : Investment, please speify the nature: Others, please speify the nature: 65 Gross Mortgage Rate: % Cash rebate offered by the Insured (i.e. Bank) (HKD): $ 66 Length of Instalment Period: Mths Monthly Instalment Payment (Prinipal + Interest) (HKD) (exluding any finaned Premium) $ Loan Repayment Aount No.: Fixed or Floating Interest Rate: Loan Repayment Method: Mortgage Insurane Premium: Floating : Fixed Term Fixed Instalment Payment Fixed-Term of Fixed Interest Rate: yrs HIBOR months R Straight Line Single Annual Premium Rate: % Initial: % Renewal: % Premium Amount (HKD): $ Initial (HKD): $ Renewal (HKD): $ 70 Single Premium to be finaned by the Loan: No Yes If YES, Total Loan Requested (HKD): $ 71 Loan-to-Value ratio (exluding finaned Premium): % Total Monthly Instalment Payment (inluding the finaned premium) (HKD): $ Note: Premium Refund Poliy is NOT appliable to the following types of mortgage loan: (i) Loan with loan-to-value ratio above 90%; (ii) Cash-out Refinaning Loan; (iii) Loan with tenor exeeding 30 years; (iv) Non Owner-Oupied Property Loan; and (v) Loan with mortgage insurane premium payable annually. Please refer to the Lender for further details (inluding the perentage of refund amount) of the Premium Refund Poliy. INSURANCE ARRANGEMENT Fire Insurane: (for First Legal Charge only) Insured Sum (HKD) Coverage and Premium (HKD) Loan Value $: Reinstatement Value, A valuation fee will be harged annually I/We understand that: (i) the Bank is an agent of MSIG Insurane (Hong Kong) Limited (MSIG) and the fire insurane plan is a produt of MSIG but not the Bank; and (ii) in respet of an eligible dispute arising between the Bank and me/us out of the selling proess or proessing of the related transation, the Bank is required to enter into a Finanial Dispute Resolution Sheme proess with me/us; however any dispute over the ontratual terms of the produt should be resolved diretly between MSIG and me/us. I/We have read and understood the benefit, premium rate, Terms and Conditions of the Mortgage Fire Insurane Plan underwritten by MSIG. I/We agree that the Bank an send all my/our neessary personal or other relevant data to MSIG for the purpose of proessing the fire insurane appliation. I/We agreed to apply for the Fire & Allied Perils (Residential building and/or arpark: 0.125% p.a. of the Insured Sum) from MSIG through the Bank arrangement. or Master Poliy; or Self-arrangement Page 7 of 22

8 OBLIGORS DECLARATION CHECKLIST 1. Value of Inentive offered by developer(hkd) 2. Cash rebate offered by the Lender (HKD): 3. a) Soure of Downpayment (HKD) b) Payment method of Downpayment No 4. Credit ard repayment a) Number of major redit ards (i.e. most frequently used ards): b) Settlement method: Yes If Yes, please indiate: Stamp Duty Soliitor Fee Cash rebate (please state amount): $ Others (please state): Nature (e.g. Furniture, Plasma TV): Value / Amount: $ $ (i.e. % of loan amount) Savings/Deposits Investment (e.g. fund, seurities) Borrowing from finanial institution/third party A gift from third party, please state: Name of the Donor: Amount given by the Donor: HK$: Relationship with the Donor: Signature of the Donor: * 2 The soure of downpayment is subjet to verifiation unless the downpayment is borrowed. The Lender may request the obligor to provide bank statement to show the fund for downpayment. Paid by Cheque Paid by Cashier Order Paid by Credit Card * 3 Paid by Cash * 3 If the downpayment has been paid by redit ard, will you fully settle the outstanding balane of the redit Yes No ard(s) before the loan drawdown or on the next autopay due date? * 3 If the downpayment is paid by redit ard, the Obligor will need to provide suffiient fund/asset proof or evidene of full settlement of redit ard balane. OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 ards ards ards Full settlement Partial settlement * 4 Full settlement Partial settlement * 4 Full settlement Partial settlement * 4 Minimum payment * 4 Minimum payment * 4 Minimum payment * 4 Reminder: * 4 Obligor will need to provide a opy of the latest ard statement for ards that are not settled fully. The minimum ard payment shown in the latest ard statement will be used to alulate the DTI ratio. 5. Regular withdrawals / payments on bank statement / book a) Autopay amount/ Standing Instrution (HKD): Loan repayment $ Loan repayment $ Loan repayment $ Expense $ Expense $ Expense $ others $ please state the nature/purpose others $ please state the nature/purpose others $ please state the nature/purpose 80 b) Regular transfer to other aount(hkd) Loan repayment $ Loan repayment $ Loan repayment $ Expense $ Expense $ Expense $ others $ please state the nature/purpose others $ please state the nature/purpose others $ please state the nature/purpose 6. Ownership of business a) Are you a diretor / shareholder of the employing ompany? (subjet to verifiation by ompany searh) No No No Yes, please state Yes, please state Yes, please state i) Company name: i) Company name: i) Company name: 81 ii) Company address: ii) Company address: ii) Company address: 82 b) Any personal guarantee for any banking failities relating to the selfowned business: iii) Ownership: % iii) Ownership: % iii) Ownership: % No No No Yes, please indiate the monthly repayment amount (HKD): $ Yes, please indiate the monthly repayment amount (HKD): $ Yes, please indiate the monthly repayment amount (HKD): $ Page 8 of 22

9 OBLIGORS DECLARATION CHECKLIST CONTINUE OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 7. Future usage of urrent home address a) If the urrent To be sold To be sold To be sold residene is owned by For Equitable Mortgage, please state: For Equitable Mortgage, please state: For Equitable Mortgage, please state: borrower: i) New residene address: i) New residene address: i) New residene address: 83 ii) Rental payment, if any (HKD) $ / month iii) Mortgage payment, if any (HKD) $ / month To be oupied by parents / relative, please state relationship: ii) Rental payment, if any (HKD) $ / month iii) Mortgage payment, if any (HKD) $ / month To be oupied by parents / relative, please state relationship: ii) Rental payment, if any (HKD) $ / month iii) Mortgage payment, if any (HKD) $ / month To be oupied by parents / relative, please state relationship: Others, please state: Others, please state: Others, please state: 84 b) If the urrent residene is a quarter provided by employer: To be surrendered To be surrendered To be surrendered Continue to oupy, please onfirm: Continue to oupy, please onfirm: Continue to oupy, please onfirm: i) Will you rent out the new property? i) Will you rent out the new property? i) Will you rent out the new property? Yes No Yes No Yes No ii) What is the purpose of the new property? For investment For self-oupany ii) What is the purpose of the new property? For investment For self-oupany ii) What is the purpose of the new property? For investment For self-oupany Others, please state: Others, please state: Others, please state: 85 ) If the urrent residene is rented: Termination of the tenany agreement, please provide the following: i) Copy of notie of termination: Yes No Termination of the tenany agreement, please provide the following: i) Copy of notie of termination: Yes No Termination of the tenany agreement, please provide the following: i) Copy of notie of termination: Yes No For Equitable Mortgage, please state: For Equitable Mortgage, please state: For Equitable Mortgage, please state: ii) New residene address: ii) New residene address: ii) New residene address: ii) Rental payment, if any (HKD) $ / month iii) Mortgage payment, if any (HKD) $ / month ii) Rental payment, if any (HKD) $ / month iii) Mortgage payment, if any (HKD) $ / month ii) Rental payment, if any (HKD) $ / month iii) Mortgage payment, if any (HKD) $ / month RELATIONSHIP WITH DIRECTOR/CONTROLLER^ / EMPLOYEE (WITH LENDING AUTHORITY) OF THE LENDER Obligor s delaration: By signing this appliation form, eah of the Obligors hereby delares that (save and exept the matters otherwise dislosed by the Obligor(s) below, if any): i) eah of the Obligors is not a relative or spouse# of any of the Lender s employees with lending authority, ontroller^ or diretors; and ii) none of the Lender s diretors, ontroller^, or their relatives, is the guarantor of any Obligors for any other matters. Eah of the Obligors agrees to notify the Lender in writing as soon as reasonably pratiable if any Obligors subsequently beome aware of any hanges in the matters delared or dislosed pursuant to this lause. ^ Controller refers to any person holding 10% or more of the Lender s issued shares. # Ex-spouse is inluded. Please speify below the name(s) of the person(s) having the abovementioned relationship with any Obligors and the relationship, if any (please use supplementary sheets if more than one person is dislosed): Name in English Name in Chinese Relationship Page 9 of 22

10 HOME BONUSPACK SUPPLEMENTARY INFORMATION Please omplete this setion if you wish to apply for the Home BonusPak. Setion A - Home BonusPak related Produts and Servies The following Produts and Servies will be automatially proessed upon suessful mortgage loan drawdown for ALL Borrowers Banking Plan * Priority Banking (Appliable to Borrower(s) with mortgage loan drawdown amount of HK$4million or above) Personal Banking Privileged Plan (Appliable to Borrower(s) with mortgage loan drawdown amount of HK$1.5million or above and below HK$4 million) 86 Easy Banking (Appliable to Borrower(s) with mortgage loan drawdown amount below HK$1.5million) Note: 1. Banking plan is appliable to new ustomer(s) or existing ustomer(s) that meet(s) the mortgage loan drawdown amount requirement as stated above. 2. For existing ustomer(s), the existing banking plan arrangement will not be hanged if the mortgage loan drawdown amount does not meet the requirement of their respetive banking plan. Credit Cards Please selet the ard type(s) you would like to apply: Card Type Standard Chartered Priority Banking Credit Card (Appliable to Priority Banking ustomer with annual inome of HK$300,000 or above) HKSHB16VAWI000 Standard Chartered exeutive Credit Card (Appliable to Personal Banking Privileged Plan ustomer with annual inome of HK$96,000 or above) HKSHB16MCWE000 Standard Chartered Visa Platinum Card (Appliable to Easy Banking ustomer and other ustomer with annual inome of HK$96,000 or above) HKSHB16VAWP000 Standard Chartered Asia Miles MasterCard (Appliable to ustomer with annual inome of HK$240,000 or above) HKSHB16MCWB000 Welome Offer* HK$400 ash rebate [HB16] These ard types issued will be embedded with Visa paywave / MasterCard ontatless feature. HK$0.5 = 1 Asia Miles [HO16] If you hoose to apply for both 1) Standard Chartered Priority Banking Credit Card / Standard Chartered exeutive Credit Card / Standard Chartered Visa Platinum Card; AND 2) Standard Chartered Asia Miles MasterCard in this appliation form and your appliation for both ards is approved by the Bank, you will be entitled to either one of the above welome offers upon fulfilling the relevant requirements. Please indiate your hoie of welome offer below: HK$0.5 = 1 Asia Miles [HO16] OR HK$400 ash rebate [HB16] 87 Remarks: * To be eligible for the welome offer, New Cardholders are required to fulfil speifi requirements with respetive newly approved redit ard(s) within the first 2 months from the date of issuane of speifi redit ard. Terms and Conditions apply for welome offer. Please refer to the Appliation for Home BonusPak Important Information and Terms and Conditions for appliation of Standard Chartered Credit ard leaflet. The welome offer is only appliable to New Cardholders who urrently do not hold and in the past 6 months have not anelled any Prinipal Card of Standard Chartered Credit Card or MANHATTAN Credit Card from the date of redit ard approval. Asia Miles Membership Information, Transfer of Data to Asia Miles Limited and Choie of Priority Banking/Personal Banking Privileged Plan 360 Rewards ( 360 Rewards ) (Appliable to Standard Chartered Asia Miles MasterCard appliants only) Asia Miles Membership Information Asia Miles membership number: Surname of Asia Miles membership: Given name of Asia Miles membership: Asia Miles membership aount must be owned by the prinipal ard appliant of Standard Chartered Asia Miles MasterCard. Change of Asia Miles membership aount is not allowed save in exeptional irumstanes. Transfer of Data to Asia Miles Limited The Bank intends to provide your Asia Miles membership information and redit ard transation data to Asia Miles Limited for gain and for the purpose of i) study of ustomer behaviour; ii) enhaning the Standard Chartered Asia Miles MasterCard s features and marketing promotion; and iii) data analysis of whih the results may be used by Asia Miles Limited for diret marketing of its offers, promotions and joint marketing offers (between Asia Miles Limited and its partners or any Cathay Paifi group ompany). Asia Miles Limited s partners inlude entities providing produts and servies in the area of travel, leisure and entertainment, aommodation, ar rental, finane, insurane, teleommuniations, food and beverage, business and onsulting, beauty and health, fashion and jewellery, property, eletronis and general retail, as well as partners from Asia Miles ishop. For an updated list of Asia Miles Limited s partners, please visit Asia Miles Limited may arry out a mathing proedure as defined in the Personal Data (Privay) Ordinane for the purposes desribed above. The Bank would not so provide your data to Asia Miles Limited without your onsent. You may at any time require the Bank to ease to provide your data to Asia Miles Limited as desribed above. The Bank will ease to do so and also notify Asia Miles Limited to ease to use suh data for data analyti purpose upon reeipt of your optout instrution. However, you are required to notify Asia Miles Limited diretly if you do not wish to reeive marketing information or ommuniation from Asia Miles Limited. Please hek ( 4 ) the box if you do not onsent the Bank to provide your data to Asia Miles Limited as desribed above. Page 10 of 22

11 87 HOME BONUSPACK SUPPLEMENTARY INFORMATION Please omplete this setion if you wish to apply for the Home BonusPak. Credit Cards You aknowledge that the Bank shall transfer the above listed Asia Miles membership information and Asia Miles earned to Asia Miles Limited for the purposes of enjoying designated ard benefits and rediting the Miles earned to the Asia Miles Membership aount you provided above. Choie of 360 Rewards (Appliable to appliants who urrently hold or are onurrently applying for a prinipal Standard Chartered Priority Banking Credit Card / Standard Chartered Preferred Banking Credit Card (where these ards are open for appliation)) Please indiate your hoie of redit ard for earning 360 Rewards Points ( Points ) / Asia Miles on eligible banking produts (exluding redit ard) under 360 Rewards Standard Chartered Asia Miles MasterCard (Asia Miles) Standard Chartered Priority Banking Credit Card / Standard Chartered Preferred Banking Credit Card (Points) If you do not indiate your hoie above, you will be deemed to have hosen Standard Chartered Priority Banking Credit Card / Standard Chartered Preferred Banking Credit Card for earning Points on eligible banking produts. The entitlement of Points or Asia Miles on eligible banking produts under 360 Rewards is subjet to the approval/validity of the respetive redit ard and other relevant terms and onditions. Opt-out for Temporary Credit Limit Extension I hoose to opt-out from having temporary redit limit extension for my redit ard(s). Remarks: The Bank will arrange opt-out for temporary redit limit extension after suessful appliation of Standard Chartered Credit Card. If you are our existing redit ardholders, the instrution for opting-out for temporary redit limit extension servie given herein will be appliable to ALL Standard Chartered Credit Card(s) and / or MANHATTAN Credit Card(s) you maintain with the Bank. Setion B Optional Produts and Servies 88 Salary BonusPak * Obligor 1 and / or Obligor 2 and / or Obligor 3 I/We interested to apply for Salary BonusPak. I/We understand that the Bank will refer me/us to the relevant Bank Staff to introdue the servie. * Note: A ustomer who is a US resident without a valid deposit aount with the Bank is not eligible for the Banking Plan under Home BonusPak and Salary BonusPak. Page 11 of 22

12 DECLARATION (d) To eah of the Lender, the HKMC or the Insurer (where appliable) and, in respet of paragraphs 13 and 14 below, to TransUnion Limited and/or any other redit referene agenies in Hong Kong (olletively the CRA ) (in this Delaration, unless otherwise speified, (a) all referenes to an entity shall inlude its suessors and assigns; (b) all referenes to the related bodies of an entity shall mean the agents, ontrators, servie providers and other relevant third parties of that entity; and () all referenes to a doument shall inlude any subsequent amendment or supplement thereto from time to time): Eah of the Obligors hereby agrees, delares, onfirms and aknowledges as follows: 1. The information in this Appliation Form and any douments attahed herewith or provided by any of the Obligors in relation to this appliation is true, orret, updated and omplete, and eah of the Obligors hereby authorises the Lender, the HKMC (or the Insurer, where appliable) and/or the mortgage reinsurers in relation to the mortgage insurane over in respet of the loan under this appliation (inluding their respetive related bodies) to verify or onfirm the same, diretly or indiretly or through the CRA or from any soure or in any manner as they may hoose or deem appropriate. 2. The original Appliation Form and all douments provided in relation to this appliation may be retained by the Lender and/or the HKMC (or the Insurer, where appliable) for their reords even if the loan is not approved by the Lender. 3. The signature of eah of the Obligors (other than Obligor 1 if it is a shelf ompany) on this Appliation Form is the same as on the relevant bank aount(s) maintained with the Lender and (for Obligor 1 if it is a shelf ompany) the authorised signatory(ies) of Obligor 1 has/have been duly authorised to operate the relevant bank aount(s) maintained with the Lender and his/her/their signature(s) is/are the same as that/those provided to the Lender. 4. The use of the loan under this appliation is subjet to the terms and onditions set out in this Appliation Form, the faility letter and/or the terms and onditions of the loan as the Lender may stipulate and provide to eah of the Obligors prior to the signing of suh faility letter. 5. None of the Obligors (other than Obligor 1 if it is a shelf ompany), save and exept as dislosed in this Appliation Form, has been delared bankrupt or is the subjet of any judgment or ourt/tribunal order in relation to any debt or insolveny, or has been subjet to any other legal proeedings in the ourts/tribunals of Hong Kong. 6. Where Obligor 1 is a shelf ompany, no winding up or similar proeeding has ever been ommened or is urrently pending against Obligor 1 and that the shareholder(s) of Obligor 1 has/have not resolved for its dissolution. 7. None of the Obligors has ever been a mortgagor or borrower under any legal harge/mortgage of any property in Hong Kong in respet of whih the mortgagee powers have been exerised. 8. Where Obligor 1 is a shelf ompany, all orporate and other ations have been taken to authorise the authorised signatory(ies) of Obligor 1 to sign this Appliation Form and any other douments and to do suh ats and things as may be neessary for the purpose of this appliation for and on behalf of Obligor In respet of the Property: (a) the down payment for the purhase of the Property was paid by the Obligor(s) from his/her/its/their own soure (or where Obligor 1 is a shelf ompany, from the equity or loan apital from its shareholder(s)) and that suh down payment was not finaned by any loan or banking/redit faility provided by any third party (other than shareholder s equity or loan referred to above); and (b) where it is indiated in this Appliation Form that the Property will be oupied by any one or more of the Obligors, eah of the relevant Obligor(s) shall be deemed to have made an express delaration that he/she intends to oupy and ontinue to oupy the Property, and any hange in the oupany status of the Property shall be forthwith reported to the Lender. 10. Save and exept as dislosed herein, none of the Obligors has obtained any mortgage loans in relation to any other properties in Hong Kong whih is still outstanding. 11. Eah of the Obligors understands and agrees that the Lender will obtain mortgage insurane from the HKMC (or the Insurer at the Lender s sole disretion) for the Lender s own protetion, interest and benefit and, for suh purposes, eah of the Obligors hereby authorises the Lender to, for and on behalf of eah of the Obligors provide douments and information and to make representations and/or statements to the HKMC (or the Insurer, where appliable), for and on behalf of eah of Obligors, in relation to its appliation for suh mortgage insurane by adopting, using and/or relying on the douments, information, statements and representations given/made in this Appliation Form (inluding but not limited to this Delaration). 12. The use of the loan whih may be granted by the Lender under this appliation is subjet to the terms and onditions of the Master Mortgage Insurane Poliy (the Poliy ) whih the Lender has entered into with the HKMC (or the Insurer, where appliable) for the Lender s own protetion, interest and benefit. Notwithstanding that the Obligor(s) is/are required to pay the Lender an amount equal to the premium payable by the Lender for the mortgage insurane over provided to the Lender by the HKMC (or the Insurer, where appliable) pursuant to the Poliy, the Poliy is for the sole and exlusive benefit of the Lender, and that none of the Obligors shall be deemed to be a party to it, or a benefiiary of it, and that no payment made under the Poliy to the Lender shall affet or redue the Lender s rights of remedy against any of the Obligors in the event of default of the loan. 13. Eah of the Obligors (other than Obligor 1 if it is a shelf ompany) hereby authorises the HKMC (or the Insurer, where appliable): (a) to obtain, on his/her behalf and within 90 days from the day of signing of this Appliation Form by the relevant Obligor, a opy of his/her redit report from the CRA for the purposes of mortgage insurane over to be granted by the HKMC (or the Insurer, where appliable) relating to the Property and other related purposes, and any other purposes in onnetion with the mortgage related business of the HKMC (or the Insurer, where appliable), inluding without limitation the purhase of mortgage portfolio by the HKMC (or the Insurer, where appliable) and the administration thereof, and in this onnetion onsents to and authorises the CRA to provide a opy of the redit report diretly to the HKMC (or the Insurer, where appliable) without having first sent him/her a opy for review; and (b) to use any personal data and other information relating to him/her whih have been lawfully olleted by the HKMC (or the Insurer, where appliable) or otherwise made available to it for the purpose of verifying any information provided by him/her in onnetion with this appliation. 14. Eah of the Obligors (other than Obligor 1 if it is a shelf ompany) hereby agrees and aknowledges to the CRA that the provision of any redit report by the CRA to the HKMC (or the Insurer, where appliable) or the use of any suh redit report by the HKMC (or the Insurer, where appliable) shall not be made the basis of any omplaint, laim, suit, demand, ause of ation or other proeeding against the CRA by him/her or any third party, and further agrees that a opy or an eletroni reord of this Appliation Form bearing the signatures of the relevant Obligors shall, for the purpose of paragraph 13 above and this paragraph, have the same effet as if it were the original thereof. 15. The loan in relation to whih this appliation is made will be seured by an equitable mortgage or a first legal harge/mortgage over the Property. 16. The Lender, the HKMC (or the Insurer, where appliable) and the mortgage reinsurers will rely on the information ontained herein to approve this appliation and the relevant appliation for mortgage insurane/reinsurane overs and eah of the Obligors has a ontinuing obligation to amend or supplement the information/douments provided in this appliation if any of the material fats whih eah of the Obligors has dislosed herein should hange prior to the drawdown of the loan herein applied for. 17. In the event any payments on the loan under this appliation beome delinquent, the Lender may, in addition to all rights and remedies, report the name(s), aount(s) and other information of eah of the Obligors to the CRA either by itself or through its relates bodies. 18. Eah of the Obligors will provide further information and furnish other douments as the Lender and the HKMC (or the Insurer, where appliable) may require from time to time, failing whih the grant of loan may be anelled. 19. By making any intentional or negligent misrepresentation(s) or false delaration, providing false information and/or omitting to provide relevant information in onnetion with this appliation, eah of the Obligors (and, if relevant, the shareholders, diretors and/or authorized representatives of Page 12 of 22

13 Page 13 of 22 Obligor 1 if it is a shelf ompany) may inur ivil and/or riminal liability. In addition, the appliation for the loan or the mortgage insurane over may be rejeted and, if granted, the Lender and the HKMC (or the Insurer, where appliable) reserve the right to anel the loan and the mortgage insurane over or, if onsidered appropriate, impose additional premium or onditions thereon. 20. Eah of the Obligors shall keep the Lender informed of any hange of fats or irumstanes whih may render any information, statements, representations and/or partiulars given hereunder, inorret or untrue before the drawdown and eah of the Obligors understands the non-dislosure of any suh fats or irumstanes may amount to making intentional or negligent misrepresentation(s) and/or providing fraudulent information as mentioned in paragraph 19 above. 21. In ase the Obligor(s) has/have applied or the Obligor(s) later deide(s) to apply for additional finane seured by the Property from the Developer or other Lending Institution or entity, the Obligor(s) undertake(s) to notify the Lender in writing immediately of the details of suh finane inluding but not limited to any ash rebate or other disount offer. Eah of the Obligors understands that any loan offer made by the Lender may be revised following suh notifiation. 22. Eah of the Obligors aknowledges that the Lender may deline: (i)his/her/its/their appliation in its entirety; or (ii) if the Obligor(s) has/ have applied for more than one produt or servie in his/her/its/their appliation, any partiular produt or servie, without giving the Obligor(s) any reason for doing so. If this happens, no ontratual relationship arises between the Lender and the Obligor(s) in respet of any produt or servie requested in his/her/its/ their appliation whih the Lender has delined to provide. 23. Eah of the Obligors shall be subjet to redit re-assessment if any detail or information he/she/they has/have provided under this appliation or reord hanges subsequent to submission of this Mortgage Loan Servie Appliation and before loan drawdown. The Bank may vary or withdraw any loan approval based on the results of the suh redit re-assessment. 24. Eah of the Obligors aknowledges and agrees that: (i) the following terms & onditions have been provided and made available to him/her/it/them at any of the Lender s branhes and/or on website at (a) the Mortgage Faility Terms; (b) Additional Terms and Conditions where part of the Faility is insured under Mortgage Insurane Programme Relating to Residential Mortgage, Equitable Mortgage and Relevant Legal Charge; () Client Terms and the appliable douments referred to in Part A thereof (banking agreement); and (d) If the Obligor(s) is/are applying for the Home BonusPak, Home BonusPak Terms and Conditions, the Priority Banking / Personal Banking Privileged Plan / Easy Banking Terms and Conditions (inluding Important Notes on Appliation), the Credit Card Terms and the Terms and Conditions for Standard Chartered Credit Card Appliation and Highlights of Credit Card Terms. The above terms and onditions shall olletively be referred to as the relevant T&Cs. (ii) eah of the Obligors has read and understood the relevant T&Cs and agrees to be bound by them; (iii) eah of the Obligors is further bound by any variation the Lender makes to the relevant T&Cs. In partiular, eah of the Obligors understands that by entering into the relevant T&Cs, eah of the Obligors gives indemnities, authorisations, onsents and waivers and agrees to limitations on the Lender s liability as set out in the relevant T&Cs; and (iv) Credit Card Appliation Delaration To: Standard Chartered Bank (Hong Kong) Limited (hereinafter alled the Bank, we, us or our inluding our suessors and assigns) By signing this appliation: you (being the person named as the appliant in the appliation) represent and warrant that all information (inluding any douments) you have given to us (being eah member of the Standard Chartered Group identified in the appliation or the approval as the person providing the faility, produt or servie to you, and its suessors and assigns) in onnetion with this appliation is orret, omplete and not misleading important note: if this is not the ase you may be personally liable. You also authorize us to verify from any soure we may hoose. If you are a prinipal ard appliant, you further represent and onfirm that the prinipal ard appliant is a Hong Kong resident and is at least 18 years of age; you aknowledge that we may deline your appliation in its entirety or in part (in respet of any one or more partiular redit ard(s), you are applying for in this appliation) without giving you any reason for doing so; if this happens, no ontratual relationship arises between you and us in respet of any redit ard(s) requested in this appliation whih we have delined to provide to you; you agree and onfirm that: our Client Terms and the appliable douments referred to in Part A of our Client Terms, inluding the Credit Card Terms and other prevailing terms and onditions, Terms and Conditions for e-statement Servie, produt brohure, important notes and promotional terms (if any), and any other doument forming part of our banking agreement (olletively the banking agreement ) have been made available to you at any of our branhes and on our website at s.om/hk; you have read and understood the banking agreement and you agree to be bound by it ; and you are bound by any variation we make to the banking agreement, in aordane with the banking agreement - important note: in partiular, you understand that by entering into the banking agreement you give indemnities, authorisations, onsents and waivers and agree to limitations on our liability; you further agree and onfirm that: (i) a highlight of the banking agreement has been provided to you as appended in this appliation form; (ii) unless you have indiated your hoie to reeive a hard opy, you agree to reeive an eletroni opy of the banking agreement; (iii) you have read and understood the banking agreement and/ or a highlight of it; and (iv) you agree to be bound by the banking agreement; you aknowledge reeipt of and onfirm that you have read and agreed to be bound by the Notie to Customers and Other Individuals relating to the Personal Data (Privay) Ordinane ( Ordinane ) and the Code of Pratie on Consumer Credit Data ( Notie ) whih has been available to you at any of our branhes and on our website at s.om/hk; you further agree that the Notie shall form part of the banking agreement; you agree that all information provided by you in this appliation form and any other personal data olleted by us from time to time about you or that you may provide to us may be used and dislosed for suh purposes and to suh persons (whether the reipient is loated in the Hong Kong Speial Administrative Region of the People s Republi of China ( Hong Kong ) or another ountry inluding a ountry that does not offer the same level of data protetion as Hong Kong) for the purposes desribed in, and otherwise in aordane with our poliies on use and dislosure of personal data as set out in the Notie, whih may be subjet to hange from time to time; you represent and warrant that you have omplied and will omply with all appliable laws (inluding any foreign exhange restritions) in onnetion with the banking agreement; you onfirm that: none of your redit ards have been anelled due to payment default; you do not have any payments overdue by more than one month on any loans or redit ards you have with other finanial institutions; you are not and have never been bankrupt and you have no intention of petitioning nor are you urrently petitioning for bankrupty;

14 you understand and agree that the Bank may, at its sole disretion, deide whether to approve this appliation by referene to the overall banking relationship, total asset balane or deposits held with the Bank if you are an existing banking lient; unless otherwise speified above, you onfirm that you are not a relative or spouse/ex-spouse of any of our diretors, employees with lending authority or shareholders holding 10% or more of our issued shares ( speified persons ). Moreover, none of the speified persons mentioned herein is your guarantor of any other matters. You agree to notify us in writing as soon as reasonably pratiable if you subsequently beome aware of any hange in irumstane; We will serve a written notie to you at your orrespondene address provided by you to the Bank if we aept your appliation. the Credit Card Terms and any important notes and related terms that we have provided to you in onnetion with the redit ard shall form part of the banking agreement and you onfirm that you have read and understand them and agree to be bound by them; You understand and agree that for the purpose of reviewing your existing redit failities, we may aess your data held with a redit referene ageny in aordane with the provisions of the Code of Pratie on Consumer Credit Data. You understand and agree that the Bank reserves the right to anel or not to proeed with this appliation if the required douments and/or appliation information are not provided within 30 days from the date of the appliation, and/or the relevant requirement(s) is not met. You further onfirm and agree that we may give any information in onnetion with this appliation (inluding your personal information) to the parties (whether situated in or outside of the Hong Kong Speial Administrative Region of the People s Republi of China) and for the purposes as set out in the Notie. You understand that sales staff of the Bank reeives remuneration with referene to the performane of the relevant staff for promoting various banking and related servies that provided by the Bank. The remuneration struture is subjet to review by the Bank from time to time and inludes salaries, inentives, bonuses, et. If there is any inonsisteny between the English version and the Chinese version of this appliation form, the English version prevails. 25. For fire insurane appliation, I/we agree that: a) The Bank an send all my/our neessary personal or other data to the appointed insurer for proessing. This form will not onstitute a ontrat of insurane. The poliy terms and onditions will be issued to you/us upon aeptane of this appliation by the relevant insurer. b) Fire insurane must be arranged at my/our ost to protet the property seuring this mortgage faility against the risk of fire at all times, for as long as the faility remains outstanding, through an insurane ompany as approved or arranged by the Bank. ) By seleting self-arrangement, I/we agree to provide the Bank with the original poliy and premium reeipt upon ineption and upon eah renewal. If I/we fail to do so, the Bank will arrange fire insurane on my/our behalf and will debit the insurane premium from my/our aount diretly. d) By seleting bank arrangement, I/we onsent to and hereby authorise the Bank to send all relevant data to the insurer for the purpose of proessing the fire insurane appliation and the poliy will be automatially renewed on annual basis. Notwithstanding the above, the Bank is not liable to me/ us for any loss I/we suffer in onnetion with any lapse in insurane over or failure to renew. e) Provision of insurane over is at the sole disretion of the insurer. If insurane over is provided, a ontrat of insurane between me/us and the insurer will be provided to me/us by the insurer and I/we will be bound by and have rights granted to me/us by that ontrat in aordane with its terms and onditions. f) Whilst the Bank will not be a party to any ontrat of insurane, the Bank must be noted on the ontrat of insurane as a benefiiary and/or interested party. If the Bank ask, I/we must give the Bank a opy of the poliy. g) I/We understand that I/we may hoose to take out a fire insurane poliy (from an insurane ompany on the Bank s approved list or not), or to adopt the master fire insurane poliy of the property (where this is aeptable to the Bank). If I/we wish to employ an insurane ompany not on the Bank s approved list, I/we understand that I/we have to follow the Bank s proedures involved and the minimum riteria to be fulfilled by the insurane ompany. h) I/We understand that I/we an hoose the original loan value, the urrent loan value (if higher than the reinstatement value) or the reinstatement value as the sum insured. If I/we hoose the reinstatement value, an annual valuation report from one of the Bank s approved surveyors will be required. An administration fee of HK$1000 per year will be harged if I/we wish the Bank to obtain a valuation report on my/our behalf. 26. For the appointment of soliitor(s), I /we aknowledge that: (i) I/we have to pay for the legal expense of both the soliitor who represents myself/ourselves and the soliitor who represents the Bank to prepare the mortgage faility; (ii) the Bank employs only a soliitor on the Bank s panel to represent the Bank; (iii) I/We have the right to engage my/our own soliitor, but where a panel firm is available, I/we may be required to engage a firm on the Bank s panel. If I/we engage a soliitor not on the Bank s panel, I/we may inur inreased osts and/or delay in the doumentation and disbursement proess for additional work on the doumentation review. The Bank will not be liable for losses or damages whih I/we may inur or sustain in onnetion with me/us engaging my/our own soliitor. 27. I/We understand that if I/we anel this appliation or do not drawdown the mortgage loan within the speified period as stated on the Letter of Confirmation ( LOC ) after signing of LOC, a proessing fee as shown in the Key Fats Statement and/or LOC will be harged by the Bank. 28. Eah of the Obligors authorizes the Lender to notify on his/her/their appliation status and related information via SMS to his/her/their mobile phone(s) when the Lender see fits. 29. Eah of the Obligors understand that sales staff of the Bank reeives remuneration with referene to the performane of the relevant staff for promoting various banking and related servies that provided by the Bank. The remuneration struture is subjet to review by the Bank from time to time and inludes salaries, inentives, bonuses, et. The following applies to appliations with guarantor(s) or provider(s) of seurity: 30. Eah of the Obligors hereby gives onsent to the Lender to provide the following information and/or douments relating to the Obligor(s) to (1) any oborrower, guarantor or provider of seurity in respet of any loan or redit failities extended to the Obligor(s) and/or (2) any soliitor ating for suh oborrower, guarantor or provider of seurity: (a) any finanial information onerning the Obligor(s); (b) a opy of the ontrat and opies of the ontrats from time to time evidening the obligations to be guaranteed or seured or a summary thereof; () a opy of any formal demand for overdue payment whih is sent to the Obligor(s), if any Obligor(s) has/have failed to settle any overdue amount following a ustomary reminder; and (d) from time to time on request by any suh o-borrower, guarantor or provider of seurity, a opy of the latest statement of aount provided to the Obligor(s) 31. Not Proteted under Deposit Protetion Sheme The Bank gives me/us notie, and I/we understand and aknowledge that, sum of money in the MortgageOne Aount is NOT an alternative to ordinary saving or time deposit, and is NOT a proteted deposit and NOT being proteted under the Deposit Protetion Sheme in Hong Kong. 32. Deposit Protetion Sheme Deposits in Mortgage $aver urrent aount are deposits qualified for protetion under the Deposit Protetion Sheme in Hong Kong. Page 14 of 22

15 Additional Delaration and Undertaking in relation to a Non Ower-Oupied Property Loan (where appliable) In respet of a Non Owner-Oupied Property Loan and where Obligor 1 is a shelf ompany, eah of the Obligors hereby agrees, delares, onfirms, aknowledges and undertakes that: (a) Obligor 1 is not and will not at the time of drawdown of the loan be engaged in any business ativities other than the holding of the Property and the letting thereof; and (b) the relevant mortgage will be registered with the Hong Kong Companies Registry (for Hong Kong inorporated ompany) or that other similar registration will be ompleted (for foreign inorporated ompany) within the appliable time limit, and doumentary evidene of any suh registration shall be provided to the Lender and/or the HKMC (or the Insurer, where appliable), within a reasonable time. Additional Delaration and Undertaking in Handling of Personal Data Eah of the Obligors (other than Obligor 1 if it is a shelf ompany) has read and understood the ontents of the Notie to Customers and Other Individuals relating to the Personal Data (Privay) Ordinane ( Ordinane ) and the Code of Pratie on Consumer Credit Data ( Notie ) (whih aompany this Appliation Form or whih have previously been provided by the Lender to any suh Obligor(s)) and hereby onsents to the Lender for its use, dislosure and/or transfer of eah suh Obligor s personal data in the manner set out in the Notie from time to time before, during or after this appliation. In addition to the above, eah of the Obligors (other than Obligor 1 if it is a shelf ompany) hereby aknowledges and agrees that: (a) the Lender may use, dislose and/or transfer eah suh Obligor s personal data, redit data (whih inludes redit data obtained from a CRA) and other information in relation to the loan under this appliation to the HKMC (or the Insurer, where appliable) for the purpose of mortgage insurane over to be granted by the HKMC (or the Insurer, where appliable) relating to the Property and other related purposes, and any other purposes in onnetion with the mortgage related business of the HKMC (or the Insurer, where appliable) inluding, without limitation, the purhase of mortgage portfolio by the HKMC (or the Insurer, where appliable) and the administration thereof, whether suh use, dislosure and/or transfer is within or outside Hong Kong; and (b) the HKMC (or the Insurer, where appliable) may use any suh personal data, redit data (whih inludes redit data obtained from a CRA) and information for the purposes stated in (a) above, and dislose and/or transfer any suh personal data, redit data (whih inludes redit data obtained from a CRA) and information reeived or held by it to the relevant mortgage reinsurers (inluding any re-reinsurers of suh reinsurers), and their respetive related bodies for the purposes of the relevant mortgage insurane/reinsurane overs and other related purposes, whether suh use, dislosure and/or transfer is within or outside Hong Kong. I/We understand the Bank may obtain and hek redit report(s) from the redit referene ageny every time when there is a hange of partiulars (inluding any appliants or other detail(s)) in respet of this appliation. Also, for the same appliation, the Bank may again obtain the onsolidated redit report from the redit referene ageny when there is a notifying message in the redit report for the need to do the same provided by the redit referene ageny. The bank will anel the previous redit hek enquiry and it will not affet the redit hek ount in my/ our redit report with the redit referene ageny. Additional Delaration and Undertaking (a) If you wish to provide the Lender with your feedbak on the Lender s servies, please refer to Customer Feedbak leaflet whih sets out how you an reah the Lender and what follow-up proedures the Lender will take. The leaflet is available at all branhes of the Lender upon request. (b) For a mortgage loan appliation with more than 3 obligors, additional obligor(s) must also omplete and sign the appliation form(s), whih together with the appliation form signed by Obligor 1 2 and 3, forms a single appliation. () If there is any inonsisteny or onflit between the English and Chinese versions, the English version shall prevail for all purposes. Additional Information in relation to the Delaration under paragraph 5 above (if any) Page 15 of 22

16 DIRECT MARKETING OBLIGOR 1 OBLIGOR 2 OBLIGOR 3 The Bank would not use your personal data for diret marketing without your onsent. Please hek ( 4 ) the relevant box(es) below if you do not onsent the Bank to use your data for diret marketing as set out in the Bank s Notie to ustomers and other individuals relating to the Personal Data (Privay) Ordinane ( Ordinane ) and the Code of Pratie on Consumer Credit Data, through any of the following hannel(s):- Mobile Message Post Phone Call For any hannel not opted-out, your signing or submission of this appliation gives onsent to the Bank to so use your data as noted above. If you are an existing lient, the Bank will update our reord of using the personal data for diret marketing after new aount or the new banking servies, that indiated on this appliation form, has been set up suessfully. If you want to update your reord of using the personal data for diret marketing immediately, please ontat our branh staff to make independent arrangement. One proessed, you authorise the Bank to replae all your previous seletions regarding diret marketing. The Bank would not use your personal data for diret marketing without your onsent. Please hek ( 4 ) the relevant box(es) below if you do not onsent the Bank to use your data for diret marketing as set out in the Bank s Notie to ustomers and other individuals relating to the Personal Data (Privay) Ordinane ( Ordinane ) and the Code of Pratie on Consumer Credit Data, through any of the following hannel(s):- Mobile Message Post Phone Call For any hannel not opted-out, your signing or submission of this appliation gives onsent to the Bank to so use your data as noted above. If you are an existing lient, the Bank will update our reord of using the personal data for diret marketing after new aount or the new banking servies, that indiated on this appliation form, has been set up suessfully. If you want to update your reord of using the personal data for diret marketing immediately, please ontat our branh staff to make independent arrangement. One proessed, you authorise the Bank to replae all your previous seletions regarding diret marketing. The Bank would not use your personal data for diret marketing without your onsent. Please hek ( 4 ) the relevant box(es) below if you do not onsent the Bank to use your data for diret marketing as set out in the Bank s Notie to ustomers and other individuals relating to the Personal Data (Privay) Ordinane ( Ordinane ) and the Code of Pratie on Consumer Credit Data, through any of the following hannel(s):- Mobile Message Post Phone Call For any hannel not opted-out, your signing or submission of this appliation gives onsent to the Bank to so use your data as noted above. If you are an existing lient, the Bank will update our reord of using the personal data for diret marketing after new aount or the new banking servies, that indiated on this appliation form, has been set up suessfully. If you want to update your reord of using the personal data for diret marketing immediately, please ontat our branh staff to make independent arrangement. One proessed, you authorise the Bank to replae all your previous seletions regarding diret marketing. I/We understand that by making any intentional or negligent misrepresentation(s) and/or providing false information or omitting to provide relevant information in onnetion with this appliation, I/we may inur ivil and/or riminal liability, I/we have read the ontent of this Delaration and agree / do not agree to the above: Signed by: Signed by: Signed by: Obligor 1 Date (D/M/Y): Obligor 2 Date (D/M/Y): Obligor 3 Date (D/M/Y): Name: Name: Name: HKID Card No. / Passport No.: HKID Card No. / Passport No.: HKID Card No. / Passport No.: Witnessed by Witnessed by Witnessed by Full Name: Full Name: Full Name: Position: Position: Position: Signed Date (D/M/Y) Signed Date (D/M/Y) Signed Date (D/M/Y) Internal Use Only Obligor 1 ETB NTB Obligor 2 ETB NTB Obligor 3 ETB NTB Remark : For ETB ustomer with opt-out request, opy this page and send to Operations for handing within 2 working days from the signed date. Page 16 of 22

17 A. General Terms and Conditions for Home BonusPak: 1. Home BonusPak ( Home BonusPak ) inludes the following banking produt(s)/servie(s): i) Mortgage loan with Standard Chartered Bank (Hong Kong) Limited (the Bank ); and ii) Priority Banking/Personal Banking Privileged Plan/Easy Banking ( Banking Plan ) ; and iii) Standard Chartered Priority Banking Credit Card/Standard Chartered exeutive Credit Card/Standard Chartered Platinum Credit Card/Standard Chartered Asia Miles MasterCard; 2. To be eligible for the Home BonusPak offer listed below ( Home Pakage Offer ), lient must be a borrower of the mortgage appliation ( Eligible lients ) and submit mortgage loan appliations during the appliation period from 16 Marh 2016 to 30 June 2016 and suessfully drawdown the mortgage loan on or before 31 August 2016 (the Promotion Period ). 3. If the Home BonusPak is enrolled, the appliation for the banking plans for all borrowers/guarantors (as appliable) of the mortgage loan shall be automatially proessed upon suessful drawdown of the mortgage loan. 4. The Home Pakage Offer annot be enjoyed in onjuntion with other promotional offers unless otherwise speified. Mortgage loan under the Government Home Ownership Sheme, Tenants Purhase Sheme, Standard Chartered s staff housing loan sheme, onversion loan, top-up loan, Mortgage loan booked under ompany (exlude shell limited ompany), ar park loan and prinipal inrease for MortgageOne are not eligible for the above Home Pakage Offer. 5. Clients with mortgage loan drawdown amount of HK$4,000,000 or above with the Bank will be enrolled in Priority Banking if not already enrolled. Clients with mortgage loan drawdown amount of HK$1,500,000 or above and below HK$4,000,000 with the Bank will be enrolled in Personal Banking Privileged Plan if not already enrolled in Personal Banking Privileged Plan or Priority Banking. Clients with mortgage loan drawdown amount below HK$1,500,000 with the Bank will be enrolled in Easy Banking if not previously or already enrolled in any Banking Plan. 6. Client an hoose the relevant ard type aording to your Banking Plan and inome requirement, details are listed as below: Card Type Banking Plan Inome Requirement (per annum) Standard Chartered Priority Banking Credit Card Priority Banking HK$300,000 Standard Chartered exeutive Credit Card Personal Banking Privileged Plan HK$96,000 Standard Chartered Platinum Credit Card Easy Banking HK$96,000 Standard Chartered Asia Miles MasterCard Priority Banking/Personal Banking Privileged Plan/Easy Banking HK$240,000 If you have multiple Standard Chartered Credit Cards, you shall have one approved redit limit whih is to be shared among all Credit Cards. Total monthly transations of all your Credit Cards will also be onsolidated into one statement. If the relevant inome or other requirement annot be met, the Bank reserves the right to treat your redit ard appliation for a ertain ard type as appliation for another ard type and grant you the relevant type of redit ard as the Bank sees fit. 7. Clients are required to join Home BonusPak and fulfil the following requirements during the Promotion Period for enjoying the offers/gifts listed below: Home PonusPak Requirement 1. Apply / sign up for the following produts / servies during the mortgage appliations and suessfully drawdown the mortgage loan during the Promotion Period: i) Priority Banking / Personal Banking Privileged Plan / Easy Banking AND ii) Standard Chartered Priority Banking Credit Card / Standard Chartered exeutive Credit Card / Standard Chartered Platinum Credit Card / Standard Chartered Asia Miles MasterCard Offers i) Priority Banking / Personal Banking Privileged Plan / Easy Banking maintenane fee waiver (please refer to Setion B) ii) Annual fee waiver and welome gift for redit ard (please refer to Setion C) 8. For eah eligible mortgage loan, the maximum ash subsidy amount for all prevailing offers must not exeed 1% of (i) the mortgage loan drawdown amount or (ii) the normal permissible loan to value eilings of the net purhase prie or the valuation of the property (whihever is lower) under the Hong Kong Monetary Authority guidelines, whihever is lower. If the sum of ash subsidy is greater than 1% of the aforesaid amount, the ash subsidy for all prevailing offer(s) will be redued to 1% of the aforesaid amount. 9. The approval of the mortgage loan and redit ard appliations are subjet to the deision of the Bank whih shall be final and onlusive. 10. The Bank reserves the right to alter or terminate the offers and amend the terms and onditions herein at any time. In ase of disputes, the deision of the Bank shall be final and onlusive. 11. If there is any inonsisteny or onflit between the English and the Chinese versions, the English version shall prevail. B. Terms and Conditions for Priority Banking/Personal Banking Privileged Plan/Easy Banking Maintenane Fee Waiver. 1. Maintenane fee waiver for Priority Banking is only appliable to borrowers with drawdown amount HK$4,000,000 or above. Maintenane fee waiver for Personal Banking Privileged Plan is only appliable to borrowers with drawdown amount HK$1,500,000 or above. Maintenane fee waiver for Easy Banking is only appliable to borrowers with drawdown amount below HK$1,500, If lients anel their mortgage servies with the Bank, a quarterly maintenane fee will be harged if the average daily Relationship Balane of the lient within the quarter falls below the amount determined by the Bank. For details, please refer to the Servie Charges booklet and Banking Terms & Conditions whih an be obtained at any of our branhes or at our website s.om/hk. The Bank reserves the right to, upon prior notifiation to the lient, provide another banking plan (other than the existing Banking Plan) to the lient (exept Easy Banking lients) with a different minimum Relationship Balane requirement that would better suit the banking needs of the lient. Average Daily Relationship Balane within the quarter falls below Quarterly Maintenane Fee Priority Banking HK$1,000,000 HK$900 Personal Banking Privileged Plan HK$200,000 HK$360 Easy Banking HK$10,000 HK$120 Page 17 of 22

18 3. Relationship Balane inludes the aggregate balane of deposits, investments, aumulated premiums of seleted insurane, utilised amounts of seured/unseured overdraft failities, outstanding balanes on Standard Chartered redit ards^ and outstanding balanes of Standard Chartered Personal Loans you maintain with the Bank under personal aounts. For Easy Banking lients, only relationship balane under personal aounts in sole name or joint names as primary aount holder will be ounted. ^ Standard Chartered redit ards refer to Standard Chartered Credit Card, Standard Chartered WorldMiles Card and Standard Chartered o-branded redit ard (inluding supplementary ards and orporate ards) issued by the Bank. Outstanding balanes on supplementary ards will ontribute to the Relationship Balane of the prinipal ardholder only. 4. The offer is not appliable to guarantors. 5. The payment aount for the maintenane fee of Banking Plan will be automatially linked to respetive lient s Standard Chartered aount in priority of Hong Kong Dollar Savings Aount in single name, Hong Kong Dollar Current Aount in single name, Hong Kong Dollar Savings Aount in joint name and Hong Kong Dollar Current Aount in joint name. C. Terms and Conditions for Credit Card Welome Offer and Annual Fee Waiver Please refer to the Appliation for Home BonusPak Important Information and Terms and Conditions for Appliation of Standard Chartered Credit Card attahed herewith the appliation form. D. Terms and Conditions for Salary BonusPak Please refer to the terms and onditions as set out separately in the related leaflets. Page 18 of 22

19 Standard Chartered Bank (Hong Kong) Limited (the Bank ) Notie to ustomers and other individuals relating to the Personal Data (Privay) Ordinane ( Ordinane ) and the Code of Pratie on Consumer Credit Data (a) From time to time, it is neessary for data subjets to supply the Bank with data in onnetion with matters suh as:- (I) (i) the opening or operation of aounts, (ii) the establishment or maintenane of failities; and/or (iii) the establishment or operation or provision of produts or servies offered by or through the Bank (whih inlude banking, ards, finanial, insurane, fiduiary, seurities and/or investments produts and servies as well as produts and servies relating to these); (olletively, Failities, Produts and Servies), and/or (II) the reeipt of supplies and servies to the Bank. (b) Failure to supply suh data may result in the Bank being unable to establish, maintain or provide Failities, Produts and Servies to data subjets. () It is also the ase that data are olleted by the Bank from data subjets transating with or through the Bank in the ordinary ourse of the Bank s business, for example, when data subjets write heques or deposit money or effet transations through ards. (d) Data relating to a data subjet may be used for any one or more of the following purposes:- (i) proessing appliations from the data subjet (inluding assessing the merits and/or suitability of the data subjet s appliation(s)) for the establishment of Failities, Produts and Servies; (ii) operating, maintaining and providing Failities, Produts and Servies to the data subjet; (iii) onduting redit heks on the data subjet (whether in respet of an appliation for Failities, Produts and Servies or during regular or speial review whih normally will take plae one or more eah year); (iv) reating and maintaining the Bank s redit soring models; (v) maintaining redit history of the data subjet for present and future referene; (vi) assisting other finanial institutions to ondut redit heks and ollet debts; (vii) ensuring ongoing redit worthiness of the data subjet; (viii) designing banking, ards, finanial, insurane, seurities and investment servies or related produts for data subjet s use; (ix) marketing servies, produts and other subjets (please see further details in paragraph (g) below); (x) determining the amount of indebtedness owed to or by data subjets; (xi) enforement of data subjets obligations, to the Bank or any other member of the Standard Chartered Group, inluding but not limited to the olletion of amounts outstanding from data subjets and those providing seurity for data subjets obligations; (xii) meeting or omplying with any obligations, requirements or arrangements for dislosing and using data that apply to the Bank or any other member of the Standard Chartered Group or that it is expeted to omply aording to:- (1) any law or regulation binding on or applying to it within or outside Hong Kong existing urrently and in the future; (2) any guidelines or guidane given or issued by any legal, regulatory, governmental, tax, law enforement or other authorities, or self-regulatory or industry bodies or assoiations of finanial servies providers within or outside Hong Kong existing urrently and in the future; (3) any present or future ontratual or other ommitment with loal or foreign legal, regulatory, governmental, tax, law enforement or other authorities, or self-regulatory or industry bodies or assoiations of finanial servies providers that is assumed by or imposed on the Bank or any member of the Standard Chartered Group by reason of its finanial, ommerial, business or other interests or ativities in or related to the jurisdition of the relevant loal or foreign legal, regulatory, governmental, tax, law enforement or other authority, or self-regulatory or industry bodies or assoiations; (xiii) meeting or omplying with any obligations, requirements, poliies, proedures, measures or arrangements for sharing data and information within the Standard Chartered Group and/or any other use of data and information in aordane with any group-wide programmes for ompliane with santions or prevention or detetion of money laundering, terrorist finaning or other unlawful ativities; (xiv) enabling an atual or potential assignee of all or any part of the business and/or asset of the Bank or partiipant or sub-partiipant of the Bank s rights in respet of the data subjet, to evaluate the transation intended to be the subjet of the assignment, partiipation or sub-partiipation; (xv) in onnetion with any member of the Standard Chartered Group defending or responding to any legal, governmental, or regulatory or quasigovernmental related matter, ation or proeeding; (xvi) in onnetion with any member of the Standard Chartered Group making or investigating an insurane laim or responding to any insurane related matter, ation or proeeding; (xvii) organizing and delivering seminars for the data subjets; (xviii) managing, monitoring and assessing the performane of any agent, ontrator or third party servie provider who provides administrative, teleommuniations, omputer, payment or seurities learing or other servies to the Bank in onnetion with the establishment, operation, maintenane or provision of Failities, Produts and Servies; and/or (xix) any other purposes relating to the purposes listed above. (e) Data the Bank holds relating to a data subjet is kept onfidential but the Bank may provide, transfer or dislose suh data or information to any one or more of the following parties (whether within or outside Hong Kong*) for the purposes set out in paragraph (d):- (i) any agent, ontrator or third party servie provider who provides administrative, teleommuniations, omputer, payment or seurities learing or other servies to the Bank in onnetion with the establishment, operation, maintenane or provision of Failities, Produts and Servies; (ii) any other person under a duty of onfidentiality to the Bank inluding any other member of the Standard Chartered Group whih has undertaken to keep suh information onfidential; (iii) the drawee bank providing a opy of a paid heque (whih may ontain information about the payee) to the drawer; (iv) redit referene agenies and, in the event of default, to debt olletion agenies; (v) any person or entity to whom the Bank or any other member of the Standard Chartered Group is under an obligation or otherwise required to make dislosure under the requirements of any law or regulation binding on or applying to the Bank or any other member of the Standard Chartered Group, or any dislosure under and for the purposes of any guidelines, guidane, diretives, rules, odes, irulars or other similar douments issued or given by any legal, regulatory, governmental, tax, law enforement or other authorities, or self-regulatory or industry bodies or assoiations of finanial servies providers with whih the Bank or any other member of the Standard Chartered Group is expeted to omply, or any dislosure pursuant to any ontratual or other ommitment of the Bank or any other member of the Standard Chartered Group with loal or foreign legal, regulatory, governmental, tax, law enforement or other authorities, or self-regulatory or industry bodies or assoiations of finanial servies providers, all of whih may be within or outside Hong Kong and may be existing urrently and in the future; Page 19 of 22

20 (vi) any finanial institution and merhant aquiring ompany with whih a data subjet has or proposes to have dealings; (vii) any atual or proposed assignee of all or any part of the business and/or asset of the Bank or partiipant or sub-partiipant or transferee of the Bank s rights in respet of the data subjets; (viii) any party giving or proposing to give a guarantee or third party seurity to guarantee or seure the data subjet s obligations; and/or (ix) (1) any member of the Standard Chartered Group; (2) third party finanial institutions, insurers, redit ard ompanies, seurities and investment servies providers; (3) third party reward, loyalty, o-branding and privileges programme providers; (4) o-branding partners of the Bank and/or any member of the Standard Chartered Group (the names of suh o-branding partners an be found in the appliation form(s) for the relevant servies and produts, as the ase may be); (5) haritable or non-profit making organisations; and (6) external servie providers (inluding but not limited to mailing houses, teleommuniation ompanies, telemarketing and diret sales agents, all entres, data proessing ompanies and information tehnology ompanies) that the Bank engages for the purposes set out in paragraph (d)(ix) above. * Please refer to the Bank s website ( for the list of ountries where suh parties may be loated. (f) (i) With respet to data in onnetion with mortgages applied by a data subjet (in any apaity) on or after 1 April 2011, the following data relating to the data subjet (inluding 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 redit referene ageny:- (1) full name; (2) apaity in respet of eah mortgage (as borrower, mortgagor or guarantor, and whether in the data subjet s sole name or in joint names with others); (3) Hong Kong Identity Card Number or travel doument number; (4) date of birth; (5) orrespondene address; (6) mortgage aount number in respet of eah mortgage; (7) type of the faility in respet of eah mortgage; (8) mortgage aount status in respet of eah mortgage (e.g., ative, losed, write-off (other than due to a bankrupty order), write-off due to a bankrupty order); and (9) if any, mortgage aount losed date in respet of eah mortgage. (ii) The redit referene ageny will use the above data supplied by the Bank for the purposes of ompiling a ount of the number of mortgages from time to time held by the data subjet with redit providers in Hong Kong, as borrower, mortgagor or guarantor respetively and whether in the data subjet s sole name or in joint names with others, for sharing in the onsumer redit database of the redit referene ageny by redit providers (subjet to the requirements of the Code of Pratie on Consumer Credit Data approved and issued under the Ordinane). (iii) The Bank may from time to time aess the mortgage ount held by the redit referene ageny in the ourse of:- (1) onsidering mortgage loan appliation(s) made by the data subjet (in any apaity); (2) reviewing any redit faility (inluding mortgage loan) granted or to be granted to the data subjet (in any apaity) whih is in default for a period of more than 60 days with a view to putting in plae any debt restruturing, resheduling or other modifiation of the terms of suh redit faility by the Bank; (3) reviewing any redit faility (inluding mortgage loan) granted or to be granted to the data subjet (in any apaity), where there is in plae any debt restruturing, resheduling or other modifiation of the terms of suh redit faility between the Bank and the data subjet onsequent upon a default in the repayment of suh redit faility for implementing suh arrangement, and/or (4) reviewing any redit faility (inluding mortgage loan) granted or to be granted to the data subjet (in any apaity), with a view to putting in plae any debt restruturing, resheduling or other modifiation of the terms of any redit faility initiated by the request of the data subjet. (iv) The Bank may from time to time aess the mortgage ount held by the redit referene ageny in the ourse of (after 31 Marh 2013):- (1) reviewing and renewing mortgage loans granted or to be granted to the data subjet (in any apaity); and/or (2) onsidering the appliation for redit faility (other than mortgage loan) by the data subjet (in any apaity other than mortgagor) and/or reviewing or renewing any faility (other than mortgage loan) granted or to be granted to the data subjet (in any apaity other than mortgagor), in eah ase where suh faility is in an amount not less than suh level or to be determined by a mehanism as presribed or approved by the Privay Commissioner for Personal Data from time to time. (g) USE OF DATA IN DIRECT MARKETING The Bank intends to use a data subjet s data in diret marketing and the Bank requires the data subjet s onsent (whih inludes an indiation of no objetion) for that purpose. In this onnetion, please note that:- (i) the name, ontat details, produts and servies portfolio information, transation pattern and behaviour, finanial bakground and demographi data of a data subjet held by the Bank from time to time may be used by the Bank in diret marketing; (ii) the following lasses of servies, produts and subjets may be marketed:- (1) finanial, insurane, fiduiary, investment servies, redit ard, seurities, investment, banking and related servies and produts; (2) reward, loyalty or privileges programmes and related servies and produts; (3) servies and produts offered by the Bank s o-branding partners (the names of suh o-branding partners an be found in the appliation form(s) for the relevant servies and produts, as the ase may be); and (4) donations and ontributions for haritable and/or non-profit making purposes; (iii) the above servies, produts and subjets may be provided or (in the ase of donations and ontributions) soliited by the Bank and/or:- (1) any member of the Standard Chartered Group; (2) third party finanial institutions, insurers, redit ard ompanies, seurities and investment servies providers; (3) third party reward, loyalty, o-branding or privileges programme providers; (4) o-branding partners of the Bank and/or any member of the Standard Chartered Group (the names of suh o-branding partners an be found in the appliation form(s) for the relevant servies and produts, as the ase may be); and (5) haritable or non-profit making organisations; (iv) in addition to marketing the above servies, produts and subjets itself, the Bank also intends to provide the data desribed in paragraph (g)(i) above to all or any of the persons desribed in paragraph (g)(iii) above for use by them in marketing those servies, produts and subjets, and the Bank requires the data subjet s written onsent (whih inludes an indiation of no objetion) for that purpose; Page 20 of 22