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New Standard Chartered Bank by alicejenny


									                                                                      3. For your multiple credit cards application, you shall have one         8. Without limiting the above, our “Notice to Customers and Other                New^ Standard Chartered     Existing Standard Chartered         Important Notes:                                                                                              Reward Reward Amount                  Priority Banking, Preferred Banking and Easy Banking              20. Customers who successfully apply and credit line is made                Insurance Privileges Terms and Conditions and Important
                                                                         approved credit limit which is to be shared among all the credit           Individuals relating to the Personal Data (Privacy) Ordinance                                                                                * Extract from the Bank’s Service Charges Booklet: For Priority                  Scenario                                                           plans respectively.                                                   available during the Promotion Period will be eligible for the          Notes
                                                                                                                                                                                                                                 Deposits customers enjoy    Deposits customers enjoy flat                                                                                                                     Detail
                                                                         cards. Total monthly transactions of all your credit cards will            and the Code of Practice on Consumer Credit Data” (Notice,                   flat 1% p.a.                0.5% p.a.                             Banking and Preferred Banking customers, “Relationship                                                                                         c. Reward amount is calculated according to the actual                   following promotional offers in accordance with the terms and           27. Insurance plans under Salary BonusPack Optional Services
                                                                         also be consolidated into one statement.                                   which is available to you at any of our branches and/or on our                                                                                                                                                                Customers who apply Salary HK$50      Up to  Up to                 monthly payroll deposited. If the monthly payroll amount              conditions set out below:
                                                                                                                                                                                                                                 Promotional Savings         Promotional Savings Interest          Balance” includes the aggregate balance of deposits,                           BonusPack Basic Service      cash     HK$100 HK$300                                                                                                                                                                  (the “Plans”) are underwritten by MSIG Insurance (Hong Kong)
                                                                      4. Priority Banking customers will be entitled to perpetual annual            website at also forms                   Interest Rate               Rate                                  investments, accumulated premiums of selected insurance,                                                                                          is variable, the reward amount shall be calculated                    •	 Designated	Product	Sign-up	Privilege	with	details	are	set	               Limited (“MSIG”) which includes: Core Cover – Lifestyle Plus
                                                                         fee waiver for Priority Banking Credit Card; Preferred Banking             part of the banking agreement. You agree that all information                                                                                                                                                                 and one or more Autopay bill rebates*                              according to the customer’s lowest monthly payroll                        out in the clause 16
                                                                                                                                                                                                                                                                                                   utilised amounts of secured/unsecured overdraft facilities,                    payment services                                                                                                                                                                                                     Insurance Policy and Optional Covers – Annual Travel Insurance
                                                                         customers will be entitled to perpetual annual fee waiver for              provided by you in connection with this application (including               within first 3 months         within first 3 months               outstanding balances on Standard Chartered credit cards^ and                                                                                      amount. Each customer’s payroll amount and number                     •	 First	 Year	 Annual	 Fee	 Waiver	 for	 the	 Personal	 Line	              Plan, Excel Hospital Income Plan and CriticalCare Policy 1.0.
                                                                         Preferred Banking Credit Card; and Payroll Account customers               personal information) may be used and disclosed to such                      Thereafter, BP Account will enjoy the Preferential Savings        outstanding balances of Standard Chartered Personal Loans                      Customers who upfront        HK$50                                 of payroll transactions are subject to the Bank’s record.                 of Credit                                                           28. To enjoy the premium discount under the Core Cover and
                                                                         will be entitled to perpetual annual fee waiver for executive              persons (whether in or outside Hong Kong) and for such                       Interest Rate as stipulated in Clause 7                           you maintain with the Bank under personal accounts. For Easy                   complete and submit the      cash                                  In case of dispute, the Bank reserves the right of final              •	 Interest	Rate	at	Prime	Rate	for	the	first	year	and	as	low	as	            Optional Covers, the policyholder’s BP Account with the Bank
                                                                         platinum Credit Card/executive Credit Card. Standard Chartered             purposes as set out in the Notice.                                                                                                             Banking customers, only relationship balance under personal                    Personal Line of Credit      rebates*                              decision.                                                                 P+4% p.a. thereafter                                                    has to be inforce and valid at the time of premium discount .
Salary BonusPack Important Notes and Terms and                           Platinum/Titanium/Gold/Classic Credit Cardholders will be              9. We reserve the right to amend the important notes, terms and              ^   New Standard Chartered Deposits customers refer to customers      accounts in sole name or joint names as primary account holder                 Application Form together                                       d. Credit card free spending credits will be credited to the         21. The first-year annual fee will be waived provided that customer         29. To enjoy the premium discount under the Optional Covers,
Conditions                                                               entitled to first year annual fee waiver. For other customers:             conditions or any other contents here at any time. Any benefit,              who have not maintained any deposits account (whether in his/     will be counted.                                                               with applications for Salary                                       relevant Standard Chartered executive platinum/executive              has no overdue records or unsatisfactory credit history as                  Eligible Customers must apply for the Core Cover and the
                                                                         (i) annual fee for Principal Priority Banking Credit Card, Principal       promotional offer or welcome gift for successful application                 her sole name or jointly with others) with the Bank 12 months   ^ Standard Chartered credit cards refer to Standard Chartered                    BonusPack Basic Services                                           Credit Card of Eligible Customer. A Notification SMS for the          determined by the Bank. We may deduct the annual fee of 1%                  Optional Covers at the same time.
You need to read this document.                                          Preferred Banking Credit Card, Principal executive platinum                is subject to availability and we may change such offer at our               before the BP Account opening date.                                                                                                                                                                                 relevant credit card free spending credits will be issued to          (per annum) of the credit limit, subject to a minimum charge of
                                                                                                                                                                                                                                                                                                   Credit Card, Standard Chartered American Express® Card                         Customers who submit a          HK$200 HK$200                                                                                                                                                                    30. Redemption letters for the one time free Single Travel
It sets out specific terms and conditions on which we agree              Credit Card and Principal Standard Chartered Platinum Card                 discretion from time to time without notice to you. In case of any                                                                             and Standard Chartered co-branded credit card (including                                                                                          the Eligible Customer after the posting of credit card free           HK$200 and a maximum charge of HK$700 from your line of                     Insurance Plan (“Travel Offer”) will be sent by MSIG to the
to provide you with any of the products and services under                                                                                                                                                                                                                                                                                                                        copy of Hong Kong Identity      cash
                                                                         is HK$2,400, HK$1,800, HK$1,800 and HK$1,800 respectively;                 dispute, our decision shall be final and conclusive.                 7. The Preferential Savings Interest Rate shall be the Bank’s             supplementary cards and corporate cards) issued by the Bank.                   Card, residential address       rebates**                          spending credits. The counting period and credit months for           credit/overdraft account on the effective date of the Personal              correspondence address of the policyholder within 90 days
Salary BonusPack. You must read it in conjunction with our               and in respect of any one of the said Principal Credit Cards,          10. If there is any inconsistency or conflict between the English and        prevailing highest tiered interest rate for Hong Kong Dollar          Outstanding balances on supplementary cards will contribute to                                                                                    New Payroll Service Customer Welcome Offer are as below:              Line of Credit and on each anniversary of the effective date of             from the policy effective date of the Core Cover. The Core
Customer Terms, and the applicable documents referred to                                                                                                                                                                                                                                                                                                                          proof and income proof
                                                                         annual fee is permanently waived for up to 3 Supplementary                 the Chinese versions, the English version shall prevail.                 Savings Account as at the interest calculation date or                the Relationship Balance of the principal cardholder only.                     (latest 1 month salary slip)                                                                                                             the Personal Line of Credit.                                                Cover must be inforce at the time of redemption.
in Part A of Customer Terms (including the Current/Cheque/               Cards issued thereunder but annual fee in the respective                                                                                            0.05% p.a., whichever is higher.                                                                                                                                                                                         BP Account    At least            Credit card     Notification   22. The preferential interest rate is valid until next review date (which   31. Redemption of the Travel Offer must be made with MSIG within
Savings Account and Time Deposit Account Terms, and where                                                                                                                                                                                                                                                                                                                         to the Bank and successfully                                        Opening Date* 2 consecutive       free spending   SMS to be
                                                                         amounts of HK$1,200, HK$900, HK$900 and HK$900 will                                                                                             8. The Promotional Savings Interest Rate and Preferential Savings       Risk Disclosure Statement:                                                       apply Personal Line of Credit                                                                                                            is one year from the date the credit line is made available) and            the first policy year of Core Cover, after that the redemption
applicable, the Integrated Deposits Account Terms; and if you            be charged for each and every Supplementary Card issued                Promotional Terms and Conditions for Salary                                  Interest Rate are not guaranteed. We reserve the right to make      Investment involves risks. The prices of investment products                                                                                                       monthly             credits to be   issued on or       thereafter will be charged as set out in below table:                       right will be taken to have relinquished. To redeem the Travel
are applying for Salary BonusPack Basic Services, also Credit                                                                                   BonusPack                                                                                                                                                                                                                         within the Promotion Period                                                       auto-payroll        posted on or    before
                                                                         after the 3rd Supplementary Card; (ii) annual fee for Principal                                                                                     any adjustment to the Promotional Savings Interest Rate and         may move up or down and the worst case will result in loss of                                                                                                                                                                                                                                         Offer, policyholders should contact MSIG Hotline 3122 6722
Card Terms, Terms and Conditions for Tele-electronic Banking                                                                                                                                                                 Preferential Savings Interest Rate from time to time at our sole                                                                                                                                                                       transactions into   before                               Line of credit         Interest rate*            Annual fee
                                                                         executive Credit Card, Titanium Credit Card, Gold Credit Card                                                                                                                                                           your entire investment. Customers should consider their own                  * Cash rebates will be credited to relevant BP Account of                                                                                      (HK$)                                            (HK$)                    directly. Service Hours: Monday to Friday 9:00am to 5:30pm
Services, product brochure, Important Notes and promotional              and Classic Credit Card is HK$250, HK$600, HK$550 and                  General                                                                      and absolute discretion.                                            investment objective, investment experience, financial situation and                                                                                               BP Account on
                                                                                                                                                                                                                                                                                                                                                                                 Eligible Customer within 8 weeks from the application for                          or before                                                                                                                          (except Public Holidays).
terms (if applicable)) and any other documents forming our               HK$250 respectively and annual fee for each Supplementary              1. To be eligible for the promotional offers for Salary BonusPack        9. If customer has failed to use the BP Account for auto-payroll        risk tolerance level; and also read the terms and conditions of the             Autopay bill payment service or Personal Line of Credit.                                                                                   $10,000 - $19,999  Prime Rate + 7% p.a. 1% of credit limit             32. The offers, if any, of the Plans in Salary BonusPack are
banking agreement. The banking agreement is available to you             Cards issued thereunder is HK$125, HK$300, HK$275 and                     (Salary Package Offers), customer must be the primary                     services within the first 2 months from the BP Account opening      relevant investment services/offering documents including the risk              Eligible Customers who cancel their applications during                                                                                                                            amount                             non-replaceable, non-refundable, non-transferable and
at any of our branches or our website at www.standardchartered.                                                                                    account holder who has successfully signed up for the Salary              date or has ceased to use the BP Account for auto-payroll                                                                                                                                                                1 to 31 August 30 November        31 January      28 February         $20,000 - $49,999  Prime Rate + 5% p.a. Minimum $200
                                                                         HK$125.                                                                                                                                                                                                                 disclosures, and is advised to seek independent professional advice             the Promotion Period or before the cash rebates credit               2012           2012               2013            2013                                                                                           non-returnable and will be subject to the relevant terms and If there is any inconsistency between the approval and any    5. The Annualised Percentage Rates of Interest (“APR”) for Priority          BonusPack Basic Services (including a newly opened BP                     services, even if the customer shall use or resume use of the       before making any investment decision.                                          to relevant BP Account will not be eligible for the cash                                                                                                                                                              conditions. The offers, if any, cannot co-exist with other offers
other part of our banking agreement, then the terms in the approval                                                                                Account) on or before 30 September 2012 (Promotion Period)                auto-payroll services thereafter, the Promotional Savings                                                                                                                                                                                                                                      $50,000 - $800,000 Prime Rate + 4% p.a. Maximum $700
                                                                         Banking Credit Card/Preferred Banking Credit Card/executive                                                                                                                                                                                                                                             rebates. A Notification SMS will be issued to the Eligible           1 to         31 December          28 February     31 March                                                                                       (including staff offer).
prevails. These terms do not apply to any existing product(s) or         platinum Credit Card/executive Credit/Platinum Credit Card/               and are required to continuously use such BP Account for auto-            Interest Rate and Preferential Savings Interest Rate will not be    This document has not been reviewed by Securities and Futures                   Customer within 4 weeks after the cash is credited.                  30 September 2012                 2013            2013               * Interest shall accrue daily on the basis of a 365 or 366-day          33. The Bank and MSIG reserve the right to amend, suspend or
service(s) you have with us to the extent that they are subject to       Titanium Credit Card/Gold Credit Card/Classic Credit Card                 payroll services with us (Eligible Customer).                             applicable to the BP Account again. Applicable interest rate        Commission or any regulatory authority in Hong Kong.                         ** Cash rebates will be credited to relevant BP Account of              2012                                                                     year (where applicable). The Prime Rate refers to the Hong              terminate the Plans and the offers, if any, or alter the terms and
separate terms and conditions.                                           are 31.7% for retail purchases and 34.7% (inclusive of cash            2. The Salary Package Offers comprise the following promotional              for the BP Account will subsequently be changed to prevailing                                                                                       Eligible Customer within 8 weeks from the successful                                                                                          Kong Dollar Prime Lending Rate as announced by the Bank                 conditions thereof at any time without prior notice. In case of
                                                                                                                                                   offers, which are subject to respective terms and conditions:             interest rate of ordinary Hong Kong Dollar savings account.         12. After the expiry of the maintenance fee waiver period or the
Meaning of words                                                         advance handling fee) for cash advances, or in each case at                                                                                                                                                                 customer’s BP Account is suspended or terminated or if the                  application for Personal Line of Credit and provided that        * To be eligible for the New Payroll Service Customer Welcome                from time to time.                                                      disputes, the decision of the Bank and MSIG shall be final and
                                                                         such higher rate which we may in our sole discretion (subject             Savings Interest Rate Offers; Priority Banking/Preferred              10. In the event that the Eligible Customer is also entitled to other                                                                                   the customer’s Personal Line of Credit account is valid and         Offer, eligible Customers have to use the BP Account for          23. The Bank reserves the right to determine the loan amount,                   binding.
Other than the defined terms here or under the product brochure                                                                                    Banking/Easy Banking Maintenance Fee Waiver; Credit Card                  prevailing promotional offer(s), including but not limited to           customer ceases to use the BP Account for auto-payroll services,
                                                                         to applicable laws and regulations) determine from time to time.                                                                                                                                                            a quarterly maintenance fee will be charged according to our                with no past due record or unsatisfactory credit history as         our auto-payroll services within the first 2 months since the         limit, minimum monthly repayment, interest rate or any other
or promotional terms (if applicable), you also need to refer to the      APR are calculated based on the guidelines as set out in the              Welcome Offers; Personal Line of Credit Privileges; Insurance             Standard Chartered Brokerage Fee Waiver Program, we                                                                                                                                                                                                                                                                                                                   Important Notes for the Plans:
other documents that form our banking agreement which define                                                                                                                                                                                                                                         usual rate as set out in our tariff sheet. Details of the relevant          determined by the Bank. A Notification SMS will be issued           opening of the BP Account.                                            offer in respect of the loan applied, or to decline customer’s
                                                                         Code of Banking Practice and is for reference only. With effect           Privileges; and Salary BonusPack Welcome Offers.                          reserve the right to withdraw the Promotional Savings Interest                                                                                      to the Eligible Customer within 4 weeks after the cash is        e. Those Eligible Customers whose applications for Standard              application in its entirety without giving any reason for doing so.     •	 MSIG is not an associate or subsidiary of the Bank and is
key words used in this document. For instance, please note:-                                                                                    3. The Salary Package Offers will only become effective on or after          Offer at our discretion.                                                usual rate are set out in the “Service Charges - An easy guide to
                                                                         from 29 July 2012, APR for executive platinum Credit Card/                                                                                                                                                                  banking fees”, Customer Guide of “Priority Banking”/”Preferred              credited.                                                           Chartered executive platinum/executive Credit Card are                If customer’s application is declined, no contractual relationship         solely responsible for all coverage and compensation under
you means the person named as the “applicant” in the application.        executive Credit Card/Platinum Credit Card/Titanium Credit                the opening date of the BP Account. Employees of the Bank are                                                                                                                                                                                                                                                                                                                                                                                      the policies issued thereunder. MSIG reserves the right of final
If there is more than one, you means each person separately as well                                                                                                                                                      Priority Banking/Preferred Banking First 4-quarter                          Banking”/”Easy Banking” and “Priority Banking/Preferred                  b. The details of Personal Line of Credit Offers Terms and             declined, the equivalent cash amount of the relevant credit           arises between the Bank and the customer in respect of any
                                                                         Card/Gold Credit Card/Classic Credit Card will be 33.41%                  not entitled to the Salary Package Offers.                                                                                                                                                                                    Conditions are set out in the clauses 18 to 25.                     card free spending credits will be credited to the Eligible           product or service requested in the application.                           approval of the applications under the Plans.
as every 2 or more of them jointly.                                                                                                             4. Eligible Customer has to use the BP Account for our auto-             Maintenance Fee Waiver and Easy Banking Service                             Banking/Easy Banking Terms and Conditions”, which is subject
                                                                         for retail purchases and 36.54% (inclusive of cash advance                                                                                                                                                                  to change by the Bank from time to time.                             17. New Payroll Service Customer Welcome Offer:                            Customers’ BP Account.                                            24. In case if customer’s application is approved, the pricing (such        •	 Information	 as	 filled	 in	 the	 application	 form	 and	 any	 other	
we (without limiting the meaning defined in Customer Terms) or           handling fee) for cash advances.                                          payroll services within the first 2 months since the opening of       Perpetual Maintenance Fee Wavier (Fee Waiver Offer)                                                                                                                                                                                                                                                                                                                          necessary data and information, including Eligible Customer’s
Bank means Standard Chartered Bank (Hong Kong) Limited for                                                                                                                                                               Terms and Conditions                                                                                                                                 a. Depending on his/her actual monthly salary, Eligible             f. In the event that Eligible Customer is also entitled to other         as interest rate and handling fee) will be offered to customer
                                                                      6. We may have obtained a credit report on the customer                      the BP Account. If the BP Account is suspended or terminated                                                                                  Salary BonusPack Welcome Offers Terms and Conditions                            Customers will be rewarded with credit card free spending           prevailing promotional offer(s), including but not limited            based on the credit record customer submits to us upon the                 signature, will be passed to MSIG for application and related
this application.                                                        and any of its sureties from a credit reference agency in                 or if the Eligible Customer ceases to use the BP Account              11. The Fee Waiver Offer is available to Eligible Customer who has                                                                                                                                                                                                                                                                                                           purposes, MSIG will contact Eligible Customer directly for
                                                                                                                                                                                                                                                                                                 13. Salary BonusPack Welcome Offers (Welcome Offers) consist                    credits in the Standard Chartered executive platinum/               to Standard Chartered Brokerage Fee Waiver Program,                   application. The Bank reserves the right to modify such pricing
                                                                         considering any application for credit. In the event the                  for auto-payroll services, from the effective date of such                signed up for a Banking Plan during the Promotion Period and                                                                                        executive Credit Card as follows:                                                                                                         offered to customer by giving 30 days’ advance notice based                supplementary information as regards the application (if
Important Notes                                                                                                                                                                                                              fulfilled the following respective criteria:                            of (i) Designated Product Sign-up Privilege, and (ii) New Payroll                                                                               we reserve the right to withdraw the New Payroll Service
                                                                         customer or any of its sureties wishes to access the credit               suspension, termination or cessation (or any other date which                                                                                                                                                                                                                                     Customer Welcome Offer at our discretion.                             on the Bank’s credit assessment from time to time including,               required). MSIG reserves its right to accept/reject the application
1. Salary BonusPack includes the following basic products and                                                                                      we may specify at our sole and absolute discretion), the Eligible                                                                                 Service Customer Welcome Offer.                                              Banking Plan         Monthly Salary Credit Card Free
   services (Basic Services):                                            report, we will advise the contact details of the relevant                                                                                          Banking Customer                Entry        Fee Waiver             14. Only Eligible Customers are entitled to the Welcome Offers.                                                                                                                                                           but not only limited to, customer’s repayment record, credit               and renewal arrangement.
                                                                         credit reference agency.                                                  Customer will no longer be entitled to any of the Salary Package                                                                                                                                                                                    Range (HK$)       Spending Credits      Personal Line of Credit Offers Terms and Conditions                         bureau grading and the Bank’s prevailing credit policy.                 •	 The	 insurance	 policy(ies)	 and/or	 terms	 and	 conditions	 of	 the
   Bonus Payroll Account, being either a HKD statement savings                                                                                     Offers and the BP Account will be converted into an ordinary              Plan    Eligibility             Relationship Offer                      Customers who have used our auto-payroll services during the                                                        (HK$)
   account or HKD savings account with an Integrated Deposits         7. We reserve the right to determine the criteria and requirements                                                                                                                     Balance*                                previous 12 months prior to the sign-up of the BP Account are                                                                             18. Upon Salary BonusPack Basic Services Customer’s successful          25. This promotional material is related to promotion offers only.             Plans will be issued by MSIG and sent to Eligible Customer’s
                                                                         applicable to each of the respective products and services                Hong Kong Dollar savings account.                                                                                                                                                                                              Priority Banking     80,000 or above 500                         application and subject to the terms and conditions below, a            Customers are advised to read the terms and conditions                     correspondence address within 30 days from the policy effective
   Account (BP Account); HKD current account; Priority Banking/                                                                                 5. In the event that the Eligible Customer is also entitled to other                                         Requirement                             NOT eligible for the Welcome Offers.
   Preferred Banking/Easy Banking Plan (Banking Plan); Priority/         under Salary BonusPack (including but not limited to the                                                                                                                                                                15. To be eligible for the Welcome Offers, all the accounts opened               Preferred Banking 20,000 to below 200                            Personal Line of Credit may be provided to such customer if             contained in the Standard Chartered Personal Line of Credit/               date. The insurance policy(ies) and/or terms and conditions as
                                                                         Banking Plans and credit cards), or to decline your application           prevailing promotional offer(s) or deposit privilege(s), we reserve                    Eligible Customers                                                                                                                                           80,000                                      he/she:                                                                 Overdraft and also those stated in the Customer Terms                      set out therein shall prevail. Eligible Customer will have 14-day
   Preferred Banking Credit Card (as the case may be); Standard                                                                                    the right to provide only one or some of the offer(s) and/or                                                             First 4-quarter          under the Salary BonusPack should be in good financial
                                                                         in its entirety or of each such products and services or in its                                                                                     Priority     with monthly       Waived         Maintenance Fee          standing at the time the relevant Offer or Reward is awarded or                                                                               a. holds a valid Standard Chartered current account without             and Personal Loan/Personal Line of Credit/Overdraft Terms                  policy review period upon receipt of the insurance policies and/
   Chartered executive platinum Credit Card/executive Credit                                                                                       privilege(s) at our discretion.                                           Banking                                                                                                                                              Easy Banking         5,000 to below    100
   Card (as the case may be); Standard Chartered ATM card and            without given you any reason for doing so. We also reserve                                                                                                       salary HK$80,000                  Waiver                   credited to the customer.                                                                                                                        any form of Personal Line of Credit or Overdraft facility;           (“Terms”), (which are available at our website at http://                  or terms and conditions to request policy cancellation and
                                                                         the right to offer an alternative type of Standard Chartered                                                                                                     or above                                                                                                                                                     20,000                                                                                                                                                                                         premium refund if no claim is incurred during that period.
   Online Banking Services; and the following optional services                                                                                 Savings Interest Rate Offers Terms and Conditions                                                                                                16. Designated Product Sign-up Privilege:                                                                                                         b. has at least one payroll transaction through the Bonus      and form part of the banking
   (Optional Services):- Insurance Plans underwritten by MSIG            Credit Card instead of the Card you apply hereunder. In                6. The Promotional Savings Interest Rate Offer is applicable to                                                                                      a. Customers who sign up designated products upon                        b. To be eligible for up to HK$500 credit card free spending            Payroll Account for auto-payroll service;                            agreement between the customers and the Bank.
                                                                         respect of applicants for the Priority Banking Credit Card/                                                                                                   Eligible Customers                   First 4-quarter                                                                                      credits, Eligible Customers have to use the BP Account            c. has a fixed monthly income of HK$5,000 or above;
   Insurance (Hong Kong) Limited; Personal Loan Services;                                                                                          the BP Account of the Eligible Customer starting from the next            Preferred with monthly                                                      sign-up of Salary BonusPack Basic Services will receive                                                                                                                                                       Credit Card Welcome Offers Terms and Conditions
   Mortgage Loan Services; Renminbi Regular Savings Plan and             Preferred Banking Credit Card/executive Credit Card, if the               business day on which the Eligible Customer has first used                                             Waived            Maintenance Fee              up to HK$300 Rewards.                                                   for our auto-payroll services within the first 2 months           d. has provided with us any and all required documents which
                                                                         relevant requirement(s) is not met, your application therefore                                                                                      Banking salary HK$20,000                       Waiver                                                                                               since the opening of the BP Account. Moreover, Eligible              we see necessary for approving Personal Line of Credit or        26. Welcome Offers Terms and Conditions applicable to Principal
   Personal Line of Credit.                                                                                                                        the BP Account for auto-payroll services with us. Customers                         or above
2. To set up auto-payroll services for the BP Account, you will          may be considered/treated as a Standard Chartered Platinum                who have used our auto-payroll services during the previous                                                                                                                                                                   Customers must have at least 2 consecutive monthly                   Overdraft facility; and                                              Priority Banking Credit Cardholders, Principal Preferred
   need to get authorization from your employer for crediting            Credit Card/Titanium Credit Card/Gold Credit Card/Classic                 12 months prior to the sign-up of the BP Account are NOT                               Eligible Customers                                                                                                                     auto-payroll transactions into the BP Account within the          e. is Hong Kong Resident aged 18 or above                               Banking Credit Cardholders, Principal executive platinum

                                                                         Credit Card application. In respect of applicants for executive                                                                                                                                    Perpetual                                                                                            account opening month of BP Account and the following             f. has not used our auto-payroll services during the previous           Credit Cardholders, Principal executive Credit Card, Principal
   the BP Account automatically with your salary through the                                                                                       eligible for the Promotional Savings Interest Rate and                    Easy         with monthly       Waived         Maintenance Fee
   automatic payment arrangements as we specify. Once the                platinum Credit Card, if the relevant requirement(s) is not met,          Preferential Savings Interest Rate.                                       Banking      salary of any                                                                                                                          3 calendar months, and subject to fulfilling the respective          12 months prior to the sign-up of the BP Account.                    Standard Chartered Platinum/Titanium/Gold/Classic Credit
                                                                         your application therefore may be considered/treated as an                                                                                                                                         Waiver                                                                                               monthly salary requirement for each reward tier as set in     19. The promotion period lasts until 30 September 2012                      Cardholders are set out in the relevant leaflets.
   auto-payroll services have been successfully set up, we will                                                                                                                                                                           amount
   act in accordance with such authorization. Electronic payroll         executive Credit Card/Standard Chartered Platinum Credit                                                                                                                                                                                                                                                the table above. Customers who make the payroll deposit           (“Promotion Period”)
   payment does not include overseas TT, local CHATS, Cheque             Card/Titanium Credit Card/Gold Credit Card/Classic Credit                                                                                                                                                                                                                                               through standing instruction will only enjoy HK$250,
   or Cash.                                                              Card application.                                                                                                                                                                                                                                                                                       HK$100 and HK$50 credit card free spending credits for
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Issued by Standard Chartered Bank (Hong Kong) Limited

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