HSBC UNIONPAY DUAL CURRENCY CREDIT CARD APPLICATION FORM

To : The Hongkong and Shanghai Banking Corporation Limited Branch Please return the completed application form together with support documents to any HSBC branch OR Mail to : The Hongkong and Shanghai Banking Corporation Limited, Card Centre 8/F, Tower 2&3, HSBC Centre, 1 Sham Mong Road, Kowloon. Date day / month / year HSBC UNIONPAY DUAL CURRENCY CREDIT CARD APPLICATION FORM Please fill in the form in BLOCK LETTERS and put a in the box. To expedite processing of your application, please fill in the mandatory fields. * If your full name on your HKID card occupies more than 19 spaces, including blanks for breaks between names, please shorten your given names to fit within the 19-space limit. Please delete as appropriate. Account Information and credit card instruction Account information (For existing banking customer only) To be eligible for an annual fee waiver on your new primary credit card (and additional cards, if applicable), please fill in the following account information. (Please refer to Important notes 4) Account Type Account number Choice of credit card UnionPay Dual Currency Diamond Card UnionPay Dual Currency Diamond Card applicants need to meet the annual income requirement of HK$250,000 or above UnionPay Dual Currency Card Note: If my credit card application is not approved, I would wish to accept a UnionPay Dual Currency Card (For UnionPay Dual Currency Diamond card applicants). (Please refer to Important notes 9) Personal information Title Mr Mrs Miss Ms *Name (Surname) (Given name) (Other name) (In block letters with surname first as per your HK Permanent ID card/hkid card) Name in Chinese Date of birth Nationality D M Y HK Permanent ID Card / HKID card no. Place of issue (Please enclose copy. For applicants who are not holders of HK Permanent ID Card, please fill in the HKID card no. and enclose copy of HKID Card and the passport) Note : For primary card applicant who is not a holder of HK ID card, it is mandatory to set up a standing instruction to Hong Kong settle the monthly repayment of the Dual Currency Credit Card s RMB sub-account with the applicant s HSBC RMB Savings account. Others Education level Marital status primary secondary tertiary post graduate single married divorced / separated others (Please specify) (Please specify) Member HSBC Group Issued by The Hongkong and Shanghai Banking Corporation Limited Page 1/6

Personal information Con d Hong Kong residential address Room / Flat Floor Block Name of building/estate No. and name of street/road District Hong Kong / Kowloon / New Territories (Please enclose permanent address proof if the permanent address is different from the above residential address) Residential tel. no. Mobile phone / Pager no. Years and months at present address Residential type with parents mortgage owned quarters ^^E-mail address (Maximum 35 characters) rented-private rented-public others (Please specify) Are you maintaining a mortgage with other financial institutions? No Yes (Please fill in the boxes in the next row.) Joint Mortgage No Yes Total monthly mortgage repayment amount HK$ ^^ The ewelcome Pack for the Credit Card (which includes the Cardholder Agreement that governs the use of this Credit Card) will be sent to this email address. If you leave this field blank, the ewelcome Pack will then be sent to the email address you have last registered with the Bank. (Applicable to customers with email address record with the Bank) Occupation Full-time Employed Part-time Employed Self Employed Student Housewife Retired Not Currently Employed Name of present employer Nature of business Address of present employer Room / Flat Floor Block Name of building/estate No. and name of street/road District Hong Kong / Kowloon / New Territories Business tel. no. Present position Years and months of service Time with previous employer Monthly basic salary Other income (e.g. bonus, allowance) HK$ x months HK$ x months If your salary is paid by autopay, please give bank s name and account no. Bank name Account no. Issued by The Hongkong and Shanghai Banking Corporation Limited Page 2/6

New credit card instruction Please send card, monthly statement and any correspondence to my: Residential address Business address Relationship with Director/ Employee of the Bank Are you and/or the joint applicant a relative or spouse/former spouse of any of the directors or employees of The Hongkong and Shanghai Banking Corporation Limited (HSBC), its subsidiaries (including Hang Seng Bank) or branches? (You may request from the Bank a list of such subsidiaries and branches.) No.* Yes. [Please state his/her full name (in English /in Chinese):. Relationship:. If you (personally or through any firm, partnership or non-listed company controlled by you) have any other unsecured facilities with HSBC, an HSBC branch or HSBC subsidiary which is a bank (whether inside or outside Hong Kong and including Hang Seng Bank), please state the total facility amount, HKD.] Declaration of Unsecured Credit Facilities (For director or staff of HSBC and its subsidiaries or branches) Are you a director or full-time/part-time/temporary staff/international Manager/International Contract Executive/International Secondee/Short Term Assignee of HSBC, its subsidiaries (including Hang Seng Bank) or branches? No.* Yes. [Please state your staff number:. If you (personally or through any firm, partnership or non-listed company controlled by you) have any other unsecured facilities with HSBC, an HSBC branch or HSBC subsidiary which is a bank (whether inside or outside Hong Kong and including Hang Seng Bank), please state the total facility amount, HKD.] * I/We hereby confirm that, as at the date of this application, I/we have no (never had) relationship with any of the directors or employees, nor am/are director or staff of HSBC, its subsidiaries or branches and I/we agree to notify the Bank promptly in writing if the information given above is no longer true and correct. Credit Limit Allocation for UnionPay Dual Currency Card I / We would like to allocate my / our credit limit assigned by the Bank according to the following allocation percentage for my HKD sub-account credit limit in multiple of 10% between 20% and 80%, with the remaining percentage as RMB sub-account credit limit allocation: HKD 0 % (If no/ invalid allocation percentage is specified, the Bank will assume your credit limit allocation as 50% into HKD sub-account and 50% into RMB sub-account) Note: The credit limit assigned to the RMB sub-account will be calculated at the prevailing rate of exchange determined by the Bank at the time the Bank processes this application. Standing instructions Please debit my/our account with HSBC on the monthly due date and make the following payment to my/our credit card(s): Standing instructions for HKD sub-account HKD Account with HSBC (To be debited for HKD payment) Amount of monthly payment** (please choose ONE option below): Minimum Payment Due % of statement balance(1-100%) Standing instructions for RMB sub-account* (Note : Primary card applicant who is not a holder of HK ID card has to set up a standing instruction to settle the monthly repayment of the Dual Currency Credit Card s RMB sub-account with the applicant s HSBC RMB Savings account.) # HKD/ RMB Account with HSBC (To be debited for RMB payment) Amount of monthly payment** (please choose ONE option below): Minimum Payment Due % of statement balance(1-100%) * If a HKD account is specified for payment of the RMB sub-account, HKD will be converted into RMB at the prevailing rate of exchange determined by the Bank on the date of processing of the standing instruction each month. Due to fluctuation of exchange rate, please maintain sufficient funds in the HKD account for conversion into RMB to avoid payment shortfall which will result in finance and/or other charges. # Please delete as appropriate. ** Should the amount of payment calculated based on the percentage of statement balance be less than the Minimum Payment Due of that particular statement month, or no percentage of the statement balance is specified by the applicant, or multiple payment is specified by the applicant, the Bank will process the card payment with the Minimum Payment Due and debit the amount from the applicant s designated account with HSBC. Issued by The Hongkong and Shanghai Banking Corporation Limited Page 3/6

Over-the-limit Facility Arrangement I want to opt out of over-the-limit facility* for the HKD sub-account of the credit card account. Yes No I want to opt out of over-the-limit facility* for the RMB sub-account of the credit card account. Yes No * Once your request of opt-out of the over-the-limit facility for your credit card account has taken effect, subject to the paragraph below, any card transaction (under the primary card, any additional (combined billing) and/or Private Label Card(s)) which results in the current balance exceeding your available credit limit of your credit card account will not be effected. If you do not opt out of the over-the-limit facility and the statement balance (excluding all fees and charges currently billed to your credit card account) exceeds the credit limit, the Bank will treat this as your informal request for raising your credit limit. The Bank may agree to your request and charge, without prior notice, a handling fee for considering and agreeing to your request. Please refer to the Key Facts Statement for the overlimit handling fee per billing cycle. Even if your opt-out of the over-the-limit facility has taken effect, the Bank may still allow certain types of transactions in excess of the credit limit, including any card transaction which is not immediately processed by the Bank or does not require the Bank s authorisation for effecting payment. Examples of such card transactions are Octopus Automatic Add-Value transactions, mobile or contactless payment transactions, transactions approved yet late posted, transactions where the posting amount exceeds the transaction amount, and transactions approved by Visa/MasterCard/UnionPay to your credit card account which may result in over-the-limit transactions. For details, please visit the Bank s website or refer to the confirmation letter which will be sent to you after your request has been processed. Additional card I hereby request and authorise you to issue a combined additional card (subject to the terms and conditions contained in the Credit Card Cardholder Agreement) to the person identified below, who is over 16 years of age (for children)/18 years of age (for other relationships). I understand the transactions made on this additional card will be billed on my statement. Title Mr MrS Miss Ms *Name (Surname) (Given name) (Other name) (In block letters with surname first as per your HK Permanent ID card/hkid card) Name in Chinese Date of birth Nationality Relationship with primary cardholder D M Y HK Permanent ID Card / HKID card no. (Please enclose copy. For applicants who are not holders of HK Permanent ID Card, please fill in the HKID card no. and enclose copy of HKID Card and the passport) Place of issue Hong Kong Others (Please specify) Residential tel. no. Mobile phone / Pager no. Business tel. no. Occupation ^^Email (Maximum 35 characters) ^^ The ewelcome Pack for the Credit Card (which includes the Cardholder Agreement that governs the use of this Credit Card) will be sent to this email address. If you leave this field blank, the ewelcome Pack will then be sent to the email address you have last registered with the Bank. (Applicable to customers with email address record with the Bank) New card will be mailed to the primary cardholder s correspondence address. Please enclose residential address proof if additional card applicant s residential address is different from that of primary card applicant. Please also provide permanent address proof if it is different from the residential address. Not applicable to the Bank s existing customers. Free ATM / EPS facility I/We wish to access the account(s) listed below with my/our credit card(s) by using the free ATM/EPS facility. Primary cardholder Additional cardholder HKD Account with HSBC: HKD Account with HSBC: Language on screen: English Chinese Language on screen: English Chinese ATM PIN can be used for phonebanking registration via any HSBC ATM in Hong Kong or calling HSBC Customer Service Hotline (852) 2233 3000. Issued by The Hongkong and Shanghai Banking Corporation Limited Page 4/6

Important notes 1. All primary card applicants must be the holder of Hong Kong Identity Card and Hong Kong Special Administrative Region residents and aged 18 or above. 2. Primary card applicant who is not a holder of HK ID card must be the holder of a single name RMB savings account in his/her own name or it can be operated by any one of the account holders if it is a joint/multiple name RMB savings account. It is mandatory to set up a standing instruction for the applicant s RMB savings account with The Hongkong and Shanghai Banking Corporation Limited (the Bank and/or HSBC ) to settle the monthly repayment of the Dual Currency Credit Card s RMB sub-account (at least the Minimum Payment Due). 3. To be eligible for the credit card, applicant s annual income must meet the following requirements: UnionPay Dual Currency Diamond Card: HK$250,000 or above; UnionPay Dual Currency Card: HK$60,000 or above. 4. Existing accountholders of the Bank will be entitled to an annual fee waiver for the new primary card (and all combined additional cards) for a period specified by the Bank from time to time. The Bank reserves the right to terminate the credit card annual fee waiver when the relevant account at the Bank is closed and such termination will be effective without prior notice to the credit cardholder(s). 5. If you wish to enjoy the Hong Kong Jockey Club Cash Voucher Purchase Facility, please contact any branch for arrangement. 6. Your new card provides free use of the ATM/EPS facility. A PIN for ATM transactions will be mailed to you after successful card activation. If you do not wish to have this service, please call HSBC Customer Service Hotline on (852) 2233 3000 for arrangement. Please note that without an ATM PIN, cardholders will not be able to access the ATM/EPS facility (including the credit card cash advance function through ATM) or register the phonebanking service through ATM/HSBC Customer Service Hotline with the card. 7. Phonebanking service can be registered via HSBC Customer Service Hotline on (852) 2233 3000 or at any HSBC ATM in Hong Kong using your ATM PIN as first time authentication. 8. If the whole amount of the statement balance is not received by the Bank on or before the payment due date, a finance charge will accrue daily at 2.625% per month (equivalent to an Annualized Percentage Rate (APR) of up to 36.43% on purchase and 37.75% on cash advance, inclusive of the handling and cash advance fees for all listed card types)*, and will be applied to (a) the unpaid statement balance, from the statement date immediately preceding the said payment due date until payment in full; and (b) the amount of each new transaction posted to your card account since that statement date, from the transaction date until payment in full. 9. The Bank may, at our sole discretion, decide whether to approve your application, and whether to issue a UnionPay Dual Currency Diamond Card or a UnionPay Dual Currency Card. If you have applied for UnionPay Dual Curreny Diamond Credit Card which is not approved, the Bank may issue to you a UnionPay Dual Currency Card (For Dual Currency Diamond card applicants). If you wish to cancel your card, please call HSBC Customer Service Hotline (852) 2233 3000. 10. Cardholders may be requested to key-in their personal identification number (PIN) when making a transaction in merchant with UnionPay Dual Currency Credit Card. Please tell the merchant a password is not needed, and then the merchant will treat it as a normal credit card transaction. 11. The remuneration for sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers. It is not determined solely on financial performance. * The APR is calculated based on a set of assumptions as set out in the relevant guidelines as referred to in the Code of Banking Practice and the actual APR applied may be different. The APR may also be different for cards not offered in this application form. Please call HSBC Customer Service Hotline on (852) 2233 3000 for enquiries. Declarations My/Our information 1. I/We confirm that the information given in this application form is correct and complete. I/We authorise The Hongkong and Shanghai Banking Corporation Limited (the Bank ) to obtain and verify information relating to me/us from or with any other person or source at any time and from time to time as the Bank may decide. In particular, for considering possible increase, decrease or modification of credit limits of my/our credit card(s) or other credit facilities provided to me/us by the Bank, I/we agree that the Bank is entitled to: (i) conduct checks with any credit reference agency at any time; and (ii) perform routine credit reviews and make at least monthly access to data from the credit reference agency. 2. By signing this application form, I/we agree that the Bank may use and disclose all personal data about me/us that the Bank currently or subsequently holds for the purposes as set out in: (i) the Notice relating to the Personal Data (Privacy) Ordinance (see attachment); and (ii) the terms and conditions of the agreement governing the provision and use of each type of credit card. Annual fee 3. I/We accept that the annual fee of each credit card to be charged by the Bank is as follow: (i) UnionPay Dual Currency Diamond primary card HK$1,800; (ii) UnionPay Dual Currency primary card HK$300; (iii) UnionPay Dual Currency Diamond additional card HK$900; (iv) UnionPay Dual Currency additional card HK$150. My/Our employment and financial status 4. I/We declare that: (i) I am/we are currently employed as indicated on this application form; (ii) I am/we are not delinquent in repaying any credit facilities from any financial institution or lender; (iii) I am/we are not a bankrupt or discharged bankrupt; (iv) I/we have no intention to declare bankruptcy; and (v) I am/we are not aware of any bankruptcy proceedings made against me/us. My/Our linked account for ATM or EPS facilities 5. I/We confirm that: (i) my/our signature(s) provided on this application form is/are the same as on each of my/our savings or current accounts for which ATM or EPS (ii) facilities are requested; each such savings or current account is a single name account in the name of the related cardholder, or is operated by the related cardholder singly if it is a joint or multiple names account; and (iii) I/we will use the ATM and EPS facilities subject to the ATM Card Terms and Conditions. I/We understand that the ATM Card Terms and Conditions are available upon request, and will be given to me/us with my/our credit card(s) upon approval of this application. 6. A PIN mailer for ATM cash advance and my/our banking account access (if applicable) will be sent to me/us after successful card activation. If I/we do not wish to use the ATM and EPS facilities, I/we should call HSBC Customer Service Hotline on (852) 2233 3000 for arrangement. I/We understand that without an ATM PIN, I/we will not be able to: (i) access the ATM and EPS facilities (including the credit card cash advance function through ATM); or (ii) register for the phone banking service through ATM or HSBC Customer Service Hotline with the credit card. Additional card(s) 7. I/We understand that if an additional card is applied for in this application form: (i) the primary cardholder will be liable for the use of both the primary card and the additional card while the additional cardholder will only be liable for the use of his/her additional card; (ii) an additional card may be terminated by either the primary or additional cardholder by giving the Bank written notice and returning the additional card to the Bank; (iii) use of an additional card may be suspended by the Bank upon the report of loss, theft, disclosure or unauthorised use of the primary card, the additional card or any related personal identification number; and (iv) until the additional card is returned to the Bank or the Bank is able to implement the necessary procedures following a report in (iii) above, the primary cardholder may be liable for any transactions and payments arising from the use of the additional card. Terms and conditions governing credit card(s); Welcome Pack 8. I/We acknowledge that the provision and use of the credit card(s) are subject to the terms and conditions of the Bank's Credit Card Cardholder Agreement. I/We understand that such terms and conditions are available upon request, and will be given to me/us with my/our credit card(s) upon approval of this application. 9. By signing this application form, I/we confirm that I/we have read and understood the following documents related to this application and agree to be bound by them: (i) the Important Notes and Declarations set out in this application form; (ii) Key Facts Statement; (iii) Major Terms and Conditions of Credit Card Cardholder Agreement; (iv) the Notice relating to the Personal Data (Privacy) Ordinance; and (v) promotional offer terms and conditions (if applicable). Issued by The Hongkong and Shanghai Banking Corporation Limited Page 5/6

Declarations 10. (Applicable to customers with email address record with the Bank) (a) I/We understand that: (i) a welcome email will be sent to me/us within 3 working days once this application has been approved; (ii) an ewelcome Pack, will be sent to me/us via email or by post where the email delivery fails; (iii) the ewelcome Pack includes information regarding the credit card(s), the Credit Card Cardholder Agreement governing the provision and use of the credit card(s), the ATM Card Terms and Conditions and the RewardCash Programme Terms and Conditions; and (iv) contents of the ewelcome Pack may also be accessed at the Bank's website. (b) I/We agree that: (i) before I/we activate the credit card(s) I/we applied for, I/we will read the contents of the ewelcome Pack and in particular, the Credit Card Cardholder Agreement governing the provision and use of the credit card(s), the ATM Card Terms and Conditions and the RewardCash Programme Terms and Conditions; (ii) even if I/we do not obtain or read the terms and conditions, I/we will still be fully bound by them upon activating the card(s); and (iii) I/we will contact the Bank promptly to obtain the hard copies of the contents of the ewelcome Pack if I/we do not receive them by the time I/we receive the card(s). Miscellaneous 11. I/We understand that I/we may authorise a person in writing to collect my/our credit card(s) on my/our behalf. I/We agree that: (i) each person collecting my/our card(s) has authority to sign acknowledgement of receipt of the card(s) on my/our behalf; and (ii) I/we will be responsible for any misuse of the card(s) or other consequences arising from this arrangement. 12. I/We agree that the Bank has the right to accept or reject this application without giving reasons. Documents attached and Signature I/We confirm that all required supporting documents have been supplied with this application form. I/We understand and agree that all documents supplied (including this application form) will not be returned to me/us. 1. Income Proof for HSBC auto payroll customers: Income proof is not required. The Bank, however, reserves the right to request the same at any time. 2. Income Proof for non HSBC auto payroll customers: For applicants who are employed, please provide either one of the following documents: (i) salary payroll advice or bank account statements/passbook showing your name, account number and salary entry in the past one month (three months for irregular income earners*); or (ii) bank account statements/passbook showing your name, account number and monthly deposit entries showing the declared income in the application form for the past three months; or (iii) bank account statements/passbook showing your name, account number and monthly deposit entry showing the declared income in the application form for the past one month; AND valid employment letter confirming job title, employment period and income details dated within three months of application; or valid Tax Demand Note issued by Inland Revenue Department for the latest tax year. * Irregular income earners include customers working on a part-time, commission or profit sharing basis. For applicants who are self-employed or not currently employed, please provide either one of the following documents: (i) bank deposit proof/statements/passbook in Hong Kong, showing your name, for the past three months; or (ii) Tax Demand Note of the last tax year (applicable to sole proprietor of, or a partner in a business). 3. For non-hk Permanent ID holders, employment contract is also required. 4. Additional proof for primary card applicant and/or additional card applicant (not applicable to existing HSBC customers) (i) HK ID Card copy; and (ii) Hong Kong residential and/or permanent address proof; and (iii) Passport copy (for non HK Permanent ID holder) Opt-out from the use of personal data in direct marketing I do not wish the Bank to use my personal data in direct marketing. (For primary card applicant) I do not wish the Bank to use my personal data in direct marketing. (For additional card applicant) This request is for personal accounts only. Customer who wishes to indicate whether or not to receive direct marketing contact or information from Commercial Banking, Private Banking or other business lines must complete a separate form. Please contact the Bank for details. The above represents your present choice whether or not to receive direct marketing contact or information. This replaces any choice communicated by you to the Bank prior to this application. Please note that your above choice applies to the direct marketing of the classes of products, services and/or subjects as set out in the Bank s Notice relating to the Personal Data (Privacy) Ordinance. Please also refer to the Notice on the kinds of personal data which may be used in direct marketing. Signature of primary cardholder Date Signature of additional cardholder Date Bank use only: Marketing Campaign Code: DT01, DG01, HDT1, HDG1, V911, V912, V011, V012, FA12, FA13 Source / segment code: BRZZ / PLPV Branch: Sales ID AS2: Sales ID DFV: IDF/ODF/HDF/INS/VDF Issued by The Hongkong and Shanghai Banking Corporation Limited Page 6/6

The Hongkong and Shanghai Banking Corporation Limited ( we or us ) KEY FACTS STATEMENT You are advised to refer to the Bank tariff guide for HSBC Retail Banking and Wealth Management Customers and the Credit Card Cardholder Agreement for your credit card for more details. Interest Rates and Finance Charges Annualised 36.43% when you open your account and it will be reviewed from time to time. Percentage Rate If we receive payment of the statement balance in full on or before the payment due date, you do not (APR) for Purchase 1 have to pay any finance charge on that statement balance. If you do not pay the statement balance in full on or before the payment due date, we may charge, without prior notice, a finance charge even if you have paid the minimum payment due in full. The finance charge is imposed on: (a) the unpaid statement balance, from the statement date immediately preceding the payment due date until we receive payment in full; and (b) the amount of each new transaction being posted to your card account since that statement date, from the transaction date until we receive payment in full. The finance charge will accrue daily and be calculated at the interest rate of 2.625% per month (i.e. at the APR listed above). APR for Cash Advance 1 Delinquent APR Interest Free Period Minimum Payment Due 37.75% (inclusive of the cash advance and handling fees) when you open your account and it will be reviewed from time to time. If we receive payment of the statement balance in full on or before the payment due date, you do not have to pay any finance charge on that statement balance. If you do not pay the statement balance in full on or before the payment due date, we may charge, without prior notice, a finance charge even if you have paid the minimum payment due in full. The finance charge is imposed on: (a) the unpaid statement balance, from the statement date immediately preceding the payment due date until we receive payment in full; and (b) the amount of each new transaction being posted to your card account since that statement date, from the transaction date until we receive payment in full. The finance charge will accrue daily and be calculated at the interest rate of 2.625% per month (i.e. at the APR listed above). N/A5 Up to 56 days Card type HSBC Premier MasterCard / HSBC Advance Visa Platinum Card / HSBC Visa Signature Card / Visa Platinum Card (including green credit card) / Visa Gold / Gold MasterCard / Visa / MasterCard / ican Card UnionPay Dual Currency Diamond Card / UnionPay Dual Currency Card US$ Visa Gold Card Minimum Payment Due (i) (a) Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or (b) HKD50, whichever is higher; plus (ii) Overdue or overlimit due, being the overdue minimum payment amount from the previous card statement or amount exceeding the credit limit on your card, whichever is higher. (i) (a) Total fees and charges currently billed to the HKD sub-account /RMB sub-account plus1% of the statement balance of each sub-account (excluding any fees and charges currently billed) as at the statement date, or (b) HKD50 for HKD sub-account/ RMB50 for RMB sub-account, whichever is higher; plus (ii) Overdue or overlimit due, being the overdue minimum payment amount from the previous card statement or amount exceeding the credit limit on your card for each sub-account, whichever is higher. Equivalent to the full amount of the statement balance. Page 1/3 CPD265R6W

Fees Annual Fee The annual fee for primary and additional cards are as follows: Card type 2 Primary card Additional card (separate billing) HK dollar personal credit cards HSBC Premier MasterCard HSBC Advance Visa Platinum Card Waived permanently Waived permanently N/A N/A Additional card (combined billing) Waived permanently Waived permanently HSBC Visa Signature Card HKD2,000 N/A HKD1,000 HKD1,800 N/A HKD900 Visa Platinum Card (including green credit card) Visa Gold / Gold MasterCard HKD600 HKD600 HKD300 Visa / MasterCard HKD300 HKD300 HKD150 ican Card HKD300 N/A N/A HSBC Mobile Payments HKD400 HKD400 HKD400 Foreign currency credit card US$ Visa Gold Card USD80 USD80 USD40 Cash Advance Fee and Handling Fee Foreign Currency Transaction Fee 3 Fee relating to Settling Foreign Currency Transaction in the currency of the credit card (This fee is not charged by the card issuers) Late Charge UnionPay dual currency credit card UnionPay Dual Currency Diamond Card UnionPay Dual Currency Card HKD1,800 N/A HKD900 HKD300 N/A HKD150 For each cash advance, we will charge you on the date of the cash advance, a fee of 2% plus handling fee of 3% on the amount of advance, subject to the following minimum charge: For over-the-counter cash advance: HK dollar personal credit cards HKD80; US$ Visa Gold Card USD10; UnionPay dual currency credit cards N/A For cash advance made from ATM or through any other channels: HK dollar personal credit cards HKD55; US$ Visa Gold Card USD7; UnionPay dual currency credit cards HKD sub-account: HKD55 / RMB sub-account: RMB55 For HK dollar personal credit cards and US$ Visa Gold Card: 1.95% of every card transaction which is effected in currencies other than Hong Kong dollars (for HK dollar personal credit cards) / US dollars (for US$ Visa Gold Card) For UnionPay dual currency credit cards: 1% of every card transaction which is effected in currencies other than Renminbi and Hong Kong dollars Customers may sometimes be offered the option to settle foreign currency transactions in the currency of the credit card at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the card issuer. In such cases, customers are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are entered into since settling foreign currency transactions in the currency of the credit card may involve a cost higher than the foreign currency transaction fee. If you do not pay the minimum payment due in full on or before the payment due date, we may charge, without prior notice, a late charge in addition to the finance charge. The late charge is equivalent to the lower of the minimum payment due or the amount listed below: HK dollar personal credit cards HKD230; UnionPay dual currency credit cards HKD sub-account: HKD230 / RMB sub-account: RMB230; US$ Visa Gold Card N/A. Page 2/3 CPD265R6W

Overlimit Handling Fee (Per Billing Cycle) Returned Cheque / Rejected Autopay Handling Fee If the statement balance (excluding all fees and charges currently billed to your card account) exceeds the credit limit on your card, we will treat this as your informal request for raising your credit limit. We may agree to your request and charge, without prior notice, a handling fee in the amount listed below for considering and agreeing to your request. If we have received and processed your request to opt out from our over-the-limit facilities, we will only have the right to charge an overlimit handling fee for certain excluded card transactions including those which do not require our authorisation for effecting payment and those which are approved yet late posted. HSBC Premier MasterCard HKD90; Other HK dollar personal credit cards HKD180; US$ Visa Gold Card USD24; UnionPay dual currency credit cards HKD sub-account: HKD180 / RMB sub-account: RMB180. If the cheque or autopay is not drawn on an account with us and the cheque or autopay is subsequently returned or rejected, we will treat this as your informal request for special handling services and may charge, without prior notice, a handling fee for such services in the amount listed below: HK dollar personal credit cards HKD100; US$ Visa Gold Card USD13; UnionPay dual currency credit cards HKD sub-account: HKD100 / RMB sub-account: RMB100. Remarks: 1. The APR is calculated based on a set of assumptions as set out in the relevant guidelines referred to in the Code of Banking Practice and the actual APR applied to your card account may be different. US$ Visa Gold Card requires payment of the statement balance in full and the APR (calculated by assuming only 1% of the current balance plus the total fees and charges currently billed to the card statement are settled each month) is for reference only. 2. We will waive the joining fee for any private label cards. 3. The foreign currency transaction fee applicable to HK dollar personal credit cards and US$ Visa Gold Card is inclusive of the transaction fee of 1% charged to us by Visa/MasterCard Worldwide. The English version of this Key Facts Statement prevails to the extent of any inconsistency between the English and the Chinese versions. Any Chinese version of this Key Facts Statement is for reference only. Page 3/3 CPD265R6W