Shop Online With Ease

Hang Seng= MasterCard Easy and Safe "online shopping" To allow Hang Seng Credit Card members to shop online with ease, we are delighted to offer Hang Seng e-shopping MasterCard. It provides a safe and convenient way for you to shop at online merchants that accept MasterCard. Benefits of the Hang Seng e-shopping MasterCard: • Low Credit Limit — The credit limit is just HK$3,0001, with no physical card provided for safe shopping on the Internet. • 100% Internet Purchase Guarantee2 — You can shop on the Internet with total ease and peace of mind. • No Annual Fee and Cash Dollar Rewards — No annual fee is required and with every card spending of HK$250, you will earn $1 Cash Dollar. • Many Online Spending Privileges — A wide selection of the hottest online merchants offer you exciting products and services for total shopping pleasure. 1 2 The HK$3,000 credit limit of your Hang Seng e-shopping MasterCard is part of your Hang Seng Credit Card Principal Card credit limit which is shared between the two cards. Cardmembers will be covered against unauthorised transaction and orders not delivered. All coverage is subject to the detailed terms and conditions in force from time to time governing the use of Hang Seng Credit Card and Hang Seng e-shopping MasterCard and the relevant insurance policy. It's Easy to Enrol! If you are a Hang Seng Credit Card Principal Card Member you are eligible to enrol for the service. Just fill in the enrolment form below and return it by mail to Hang Seng Bank Card Centre, P.O. Box 74147 Kowloon Central Post Office, Kowloon. You will receive the details on Hang Seng e-shopping MasterCard account by mail. Note: • Hang Seng e-shopping MasterCard is exclusively for online shopping where no physical card will be needed to complete a transaction. Cardmembers will be notified by mail of the account number, expiry date, etc. No physical card will be provided. • Only Hang Seng Credit Card Principal Card Members can apply for the Hang Seng e-shopping MasterCard and Cardmembers of the following cards are not eligible to apply; Fortune MasterCard, MasterCard Corporate Card, VISA Company Card, VISA Business Card and Private Label Card. • Spending on Hang Seng e-shopping MasterCard will be listed on the statement of the Hang Seng Credit Card. • The above information is subject to change without prior notice. Hang Seng e-shopping MasterCard Enrolment Form To: Hang Seng Bank Limited ESMC Z001  Please enrol me for a Hang Seng e-shopping MasterCard. I hereby agree to be bound by the applicable terms and conditions in force from time to time. A copy of the said terms and conditions is available upon request. The principal liabilities and obligations for using the Hang Seng e-shopping MasterCard under application herein are highlighted in the enclosed leaflet for your attention. Please fill in the following information. We will update your following credit card account record according to the information provided. Name of Principal Card Member as printed on HKID Card (in English BLOCK letters) Surname Given Name HKID Card No. Date of Birth Day Month Year e-mail Address (The maximum number of characters is 35) Home Tel. No. Daytime Contact Tel. No. Hang Seng Credit Card Principal Card Account No. Card Expiry Date Month Year Signature of Principal Card Member Date PPL120A (05/2002) PDF Please ask our staff for a notice to customers relating to the Personal Data (Privacy) Ordinance. Hang Seng Bank Limited Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (the "Ordinance") The references in this Notice to Hang Seng mean Hang Seng Bank Limited in its capacity as card issuer. 1. From time to time, it is necessary for customers and various other individuals (including without limitation applicants for credit card services and credit facilities, sureties and persons providing security or guarantee for credit facilities, shareholders, directors, officers and managers of corporate customers or applicants) (collectively "data subjects") to supply Hang Seng with data in connection with various matters such as the opening or continuation of card accounts and the establishment or continuation of credit facilities or provision of related financial services. 2. Failure to supply such data may result in Hang Seng being unable to approve the opening of or continue card accounts or establish or continue credit facilities or provide related financial services. 3. It is also the case that data are collected from data subjects in the ordinary course of the continuation of the relationship between data subjects and the issuer of cards, for example, when data subjects carry out card transactions. 4. The purposes for which data relating to data subjects may be used are as follows: (i) the daily operation of the services and credit facilities provided to data subjects; (ii) conducting credit checks; (iii) assisting other financial institutions to conduct credit checks and collect debts; (iv) ensuring ongoing credit worthiness of data subjects; (v) designing financial services or related products for data subjects' use; (vi) marketing financial services or related products; (vii) determining the amount of indebtedness owed to or by data subjects; (viii) the enforcement of data subjects' obligations, including without limitation the collection of amounts outstanding from data subjects and those providing security or guarantee for data subjects' obligations; (ix) meeting the requirements to make disclosure under the requirements of any law binding on Hang Seng or any of its branches; (x) enabling an actual or proposed assignee of Hang Seng, or participant or sub-participant of Hang Seng's rights in respect of data subjects to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; (xi) exchanging information with merchants accepting credit cards issued by Hang Seng and entities with whom Hang Seng provides affinity/co-branded /private label credit card services (each a "merchant" or an "affinity entity"); and (xii) purposes relating thereto. 5. Data held by Hang Seng relating to data subjects will be kept confidential but Hang Seng may provide such information to the following parties for the purposes set out in paragraph 4: (i) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment, debt collection or other services to Hang Seng in connection with the operation of its business; (ii) any other person under a duty of confidentiality to Hang Seng including a group company of Hang Seng or a merchant or an affinity entity which has undertaken to keep such information confidential; (iii) credit reference agencies, and, in the event of default, debt collection agencies; (iv) any person to whom Hang Seng is under an obligation to make disclosure under the requirements of any law binding on Hang Seng or any of its branches; and (v) any actual or proposed assignee of Hang Seng or participant or sub-participant or transferee of Hang Seng's rights in respect of data subjects. 6. Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any data subject has the right: (i) to check whether Hang Seng holds data about him and of access to such data; (ii) to require Hang Seng to correct any data relating to him which is inaccurate; (iii) to ascertain Hang Seng's policies and practices in relation to data and to be informed of the kind of personal data held by Hang Seng; and (iv) in relation to consumer credit, to request to be informed which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency. 7. In accordance with the terms of the Ordinance, Hang Seng has the right to charge a reasonable fee for the processing of any data access request. 8. The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed as follows:Data Protection Officer Hang Seng Bank Limited 83 Des Voeux Road Central Hong Kong Telephone: (852) 2198 4500 Fax: (852) 2868 4042 9. Nothing in this Notice shall limit the rights of data subjects under the Ordinance. Date: 27 November 1998 PPL120A (05/2002) PDF Principal Liabilities and Obligations under the Terms and Conditions Principal liabilities and obligations for using Hang Seng Credit Card / Private Label Card / SuperCash under the respective terms and conditions are highlighted below for your particular attention. You must read the FULL VERSION of the terms and conditions governing the use of the Hang Seng Credit Card / Private Label Card / SuperCash. The terms and conditions are available at branches for collection. For Hang Seng Credit Card / Private Label Card / SuperCash ("Card") 1. You must exercise reasonable care and diligence in safekeeping the Card, the personal identification numbers ("PIN") and/or the e-shopping Card Account Number (if applicable). In the case of any loss or unauthorised disclosure of any of them, you must report to Hang Seng Bank Limited ("Hang Seng") as soon as reasonably practicable upon notice or suspicion thereof. 2. You shall be liable for all unauthorised transactions and losses suffered by Hang Seng involving the use of the Card, the PIN and/or the e-shopping Card Account Number (if applicable) if you have acted fraudulently or with gross negligence or failed to fulfil the obligations as set out in Clause 1 above. 3. You shall repay promptly the outstanding balance of your Card account upon demand by Hang Seng. 4. You shall be responsible for all costs and expenses reasonably incurred by Hang Seng in enforcing the terms and conditions and recovering any sum you owe to Hang Seng. 5. You shall report to Hang Seng any discrepancies in any Card statement within 60 days of the statement date. 6. Hang Seng is entitled to amend the terms and conditions, and vary any fees and charges in respect of the use of the Card, subject to a 30-day notice, which shall be binding on you if you continue to use or retain the Card after the effective date as specified in the notice. You may elect to terminate the Card pursuant to the terms and conditions if you do not agree to such amendments or variations. For Hang Seng Credit Card Only 1. You must sign the Hang Seng Credit Card immediately upon receipt. 2. The maximum liability for unauthorised card transaction(s) before the loss and/or unauthorised disclosure of the Hang Seng Credit Cards / the e-shopping Card Account Number / is reported will be subject to the applicable laws and regulations. However, you are liable for all unauthorised cash advances, withdrawals, transfers and transactions effected with the use of the PIN before we are actually notified of the loss or unauthorised disclosure of the PIN. 3. You must repay the outstanding balance on time to avoid payment of interests and finance charges. If Hang Seng does not receive the minimum payment amount as specified in the relevant Hang Seng Credit Card statement on or before the payment due date, an additional late charge shall be payable by you. 4. While the principal cardmember is held liable for the debts and liabilities of the principal cardmember and each supplementary cardmember, supplementary cardmember shall only be liable for his/her debts and liabilities. 5. Hang Seng is only entitled to apply the credit balance of the principal cardmember's account(s) in or towards satisfaction of the debts and liabilities owed by the principal cardmember and/or any supplementary cardmembers to Hang Seng. Hang Seng will only apply the credit balance of the supplementary cardmember's account(s) in or towards satisfaction of the debts and liabilities owed by the supplementary cardmember to Hang Seng. 6. Each cardmember using the SelectImage MasterCard services has to warrant that the use of the relevant photograph does not infringe the rights of any person and that the cardmember shall indemnify Hang Seng for all liabilities arising from any breach of such warranty. For Private Label Cards Only ("PL Card") 1. You must sign the PL Card immediately upon receipt. 2. The values of all issued sales slips relating to the transactions effected by the use of the PL Card shall be debited to your Hang Seng Credit Card account ("Card Account"). The prevailing credit limit assigned to the Card Account shall be shared with the PL Card. The Card Account shall be settled according to the relevant Hang Seng VISA/MasterCard Card Cardmember Agreement which is also binding on you as a PL Card holder. 3. The maximum liability for unauthorised PL Card transaction(s) before the loss of PL Card is reported will be subject to the applicable laws and regulations. For SuperCash Only 1. You shall pay interest, calculated on a daily basis, at Hang Seng's prevailing rate from time to time on any debit balance on the SuperCash account. If Hang Seng does not receive the minimum payment amount as specified in the relevant SuperCash statement on or before the payment due date, an additional late charge shall be payable by you. 2. Hang Seng are entitled to apply the credit balance of your account(s) in or towards satisfaction of the debts and liabilities you owe to Hang Seng under the terms and conditions. 3. Subject to applicable laws and regulations, you shall be liable for all unauthorised cash advances, withdrawals, transfers and/or transactions involving the use of SuperCash and/or the PIN prior to Hang Seng's actual receipt of any notice of loss or unauthorised disclosure of SuperCash and/or the PIN. Hang Seng Bank Limited PPL120A (05/2002) PDF