Standard Chartered Bank

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DECLARATION

By signing and submitting:

I (being the person named as the “applicant” in the application) represent and warrant that all information (including any documents) I have given to Standard Chartered Bank (Hong Kong) Limited (the “Bank”) in connection with this application is correct, complete and not misleading.
I acknowledge that the Bank may decline my application without giving me any reason for doing so.
I acknowledge that: (i) receipt of Client Terms and the applicable documents referred to in Part A of the Bank’s Client Terms (including Personal Loans/Personal Line of Credit/Overdraft Terms, and the product brochure, Important Notes, promotional terms (if applicable) that accompany this form and any other relevant documents forming the banking agreement) and (ii) I have read and understood the Bank’s banking agreement and agreed to be bound by them.
I acknowledge receipt of and confirm that I have read and agree to the Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (“Ordinance”) and the Code of Practice on Consumer Credit Data (“Notice”); I further agree that the Notice shall form part of the banking agreement; I agree that all information provided by me in this application form, and any other personal data collected by the Bank about me or that I may provide to the Bank from time to time before, during or after this application, may be used and disclosed for such purposes and to such persons (whether the recipient is located in the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”) or elsewhere or places that do not offer the same level of data protection as Hong Kong) for the purposes described in, and otherwise in accordance with the Bank’s policies on use and disclosure of personal data as set out in the Notice, which may be subject to change from time to time.
I confirm that: (i) none of my existing credit cards have been cancelled due to payment default or my loans payments outstanding for more than 30 days; (ii) I do not have any payments overdue by more than one month on any loans or credit cards I have with other financial institutions; and (iii) I am not and have never been bankrupt and I have no intention to petition nor I am currently petitioning for bankruptcy.
I represent and warrant that I have complied and will comply with all applicable law (including any foreign exchange restriction) in connection with the Bank’s banking agreement.
Unless otherwise specified below, I confirm that I am not a relative of any of the Bank’s or its subsidiary’s or fellow subsidiary’s directors, employees with lending authority or shareholders holding 10% or more of the Bank’s issued shares (“specified person”), nor is any specified person my guarantor for any other matters. I agree to notify the Bank in writing as soon as reasonably practicable if I subsequently, become aware of any change in status.
I confirm that I am the sole beneficiary of the designated account for credit and repayment as specified in the application form. If my application here is accepted, I request and authorise the Bank to credit the amount of loan approved to such designated account, and on each instalment payment date or from time to time (as the case may be) debit the minimum instalment repayment amount and/or any applicable costs, fees, charges from such designated account without any prior notice to me.
The Bank will serve a written notice to me at my correspondence address set out in the application form if the Bank accept my application.
I understand and agree that for the purpose of reviewing my existing credit facilities, the Bank may access my data held with a credit reference agency in accordance with the provisions of the Code of Practice on Consumer Credit Data. I understand and agree that this application will be cancelled if the required documents are not provided within 30 days. I further confirm and agree that the Bank may give any information in connection with this application (including my personal information) to the parties (whether situated in or outside of the Hong Kong Special Administrative Region of the People’s Republic of China) and for the purposes as set out in the Notice.
You understand that sales staff of the Bank receives remuneration with reference to the performance of the relevant staff for promoting various banking and related services that provided by the Bank. The remuneration structure is subject to review by the Bank from time to time and includes salaries, incentives, bonuses, etc.
The Bank will review all information you have provided when assessing your application. Final approval is subject to the Bank’s discretion.
(Applicable to employees of the Bank only) I hereby authorize Standard Chartered Bank (Hong Kong) Limited (the “Bank”) to retrieve my employment information in the Bank (including my salary information) for the purpose of credit assessment and processing my application(s).
You understand and agree that any application data submitted by you in relation to the personal loan application will be deleted after 180 days from the date of submission, if your application is cancelled by you or declined by us.

If there is any inconsistency between the English version and the Chinese version of this application form, the English version prevails.

PIL Declaration (07/2022)

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Key Facts Statement (KFS) for 100% Personal Loan Guarantee Scheme
Standard Chartered Bank (Hong Kong) Limited

100% Personal Loan Guarantee Scheme
April 2022

This product is an instalment loan. This KFS provides you with indicative information about interest, fees and charges of this product but please refer to our offer letter for the final terms of your instalment loan.
Interest Rates and Interest Charges
Annualised Percentage Rate (APR)	Annualised Percentage Rate (APR) of 1% per annum
Annualised Overdue / Default Interest Rate	Not applicable
Interest Refund	A borrower will receive a full refund of the interest payments made after the loan and interest are fully repaid by the end of the scheduled repayment period despite any interim delinquencies.
Fees and Charges
Handling Fee	0%
Late Payment Fee and Charge	HKD100 per month if you do not repay any monthly instalment on or before the relevant due date.
Prepayment / Early Settlement / Redemption Fee / Setup fee	No handling fees, set up fees or prepayment penalty will be charged.
Returned Cheque / Rejected Autopay Charge	Not applicable
Additional Information
Minimum Loan Amount	HKD5,000
Maximum Loan Amount	HKD100,000 For existing PLGS borrowers, the aggregate loan amount (original loan amount of existing loan(s) under PLGS) is capped at HK$100,000.
Use of Loan Proceeds by Borrowers	No restriction
Repayment	Maximum repayment period is ten years. Borrowers may apply for a principal moratorium of 18 months from the drawdown of the loans. If a borrower does not fulfil the repayment obligations, it may adversely affect the borrower’s credit records maintained at the credit reference agencies. The lending bank will also follow up in accordance with its usual processes.

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Illustrative Examples of Repayment Schedule for Personal Instalment Loan
Standard Chartered Bank (Hong Kong) Limited

Personal Instalment Loan
April 2020

Important note: This illustration is intended to show the apportionment of interest and principal for each monthly repayment of our personal instalment loan throughout the tenor based on the Straight Line Method and assumptions as stated below. Amount of monthly repayment apportioned to interest is the highest in the first month and decreases gradually throughout the tenor. The illustration is for reference only and does not reflect the actual repayment process in your loan account. The actual repayment details such as the amount of interest and principal, etc may vary. The terms and conditions of your personal instalment loan including but not limited to loan amount, interest rate, handling fee and tenor are subject to the final approval of the Bank.

Example - 36 Months Tenor:

Assumptions

Loan Amount	: HKD200,000
Interest Rate (Monthly Flat Rate)	: 0.2965%
Annualised Percentage Rate (APR)^▲	: 6.92%
Tenor (Months)	: 36
Monthly Repayment Amount	: HKD6,148.56

^▲ An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate.

No. of Instalment	Monthly Repayment Amount (HKD)	Principal Amount (HKD)	Interest Amount (HKD)	Loan Outstanding (HKD)
1	6,148.56	5,030.92	1,117.64	194,969.08
2	6,148.56	5,059.03	1,089.53	189,910.05
3	6,148.56	5,087.30	1,061.25	184,822.75
4	6,148.56	5,115.73	1,032.83	179,707.02
5	6,148.56	5,144.32	1,004.24	174,562.71
6	6,148.56	5,173.06	975.49	169,389.64
7	6,148.56	5,201.97	946.58	164,187.67
8	6,148.56	5,231.04	917.51	158,956.62
9	6,148.56	5,260.27	888.28	153,696.35
10	6,148.56	5,289.67	858.89	148,406.68
11	6,148.56	5,319.23	829.33	143,087.45
12	6,148.56	5,348.95	799.60	137,738.49
13	6,148.56	5,378.85	769.71	132,359.65
14	6,148.56	5,408.90	739.65	126,950.74
15	6,148.56	5,439.13	709.43	121,511.61
16	6,148.56	5,469.52	679.03	116,042.09
17	6,148.56	5,500.09	648.47	110,542.00
18	6,148.56	5,530.83	617.73	105,011.17
19	6,148.56	5,561.73	586.82	99,449.44
20	6,148.56	5,592.81	555.74	93,856.63
21	6,148.56	5,624.07	524.49	88,232.56
22	6,148.56	5,655.49	493.06	82,577.07
23	6,148.56	5,687.10	461.46	76,889.97
24	6,148.56	5,718.88	429.68	71,171.09
25	6,148.56	5,750.84	397.72	65,420.25
26	6,148.56	5,782.97	365.58	59,637.28
27	6,148.56	5,815.29	333.26	53,821.99
28	6,148.56	5,847.79	300.77	47,974.20
29	6,148.56	5,880.47	268.09	42,093.73
30	6,148.56	5,913.33	235.23	36,180.41
31	6,148.56	5,946.37	202.18	30,234.03
32	6,148.56	5,979.60	168.95	24,254.43
33	6,148.56	6,013.02	135.54	18,241.41
34	6,148.56	6,046.62	101.94	12,194.80
35	6,148.56	6,080.41	68.15	6,114.39
36	6,148.56	6,114.39	34.17	0.00

Smart tips on Early Repayment

Can I repayment my instalment loan amount in full early at any time?
You may only repay the instalment loan in full (but not part of it) early if you notify us in writing ten business days before your proposed prepayment date. If you wish to repay your Loan early, you must pay the instalment loan in full, plus all accrued but unpaid interest up to the actual settlement date plus any other sum due to us. We will charge you an early settlement fee of 2.5% of the outstanding balance to cover our own administration fees and other costs.
Do I save interest expenses by making early repayment of personal instalment loan?
To choose to make the early repayment, you should first check with us about the total amount involved in early repayment (including outstanding loan balance, early repayment charges and other fees, etc.) and the amount of outstanding interest. You should then compare different scenarios and consider carefully before making a decision of repaying early or not.

For example, as the repayment example shows beside, assuming the loan amount is HKD200,000 with 0.2965% monthly interest (Annualised Percentage Rate is 6.92%) and a 36-month instalment period. If you wish to repay the instalment loan in full on the 15th month, you should note:

Total amount to be paid is HKD130,851.67 with the following breakdown:

Principal outstanding as of the last instalment due date
= HKD126,950.74
Total unpaid interests and charges
= HKD709.43 + HKD3,191.50 = HKD3,900.93
– Unpaid interests up to the settlement date
= HKD709.43
– Early redemption penalty
= HKD127,660.17 x 2.5% = HKD3,191.50

Interest saved from 16th month to 36th month = HKD7,608.05

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Terms and Conditions for 100% Personal Loan Guarantee Scheme
百分百擔保個人特惠貸款計劃條款及細則

Declaration of the Borrower
借款人提供的聲明
In this Declaration, unless otherwise specified, all references to a document shall include any subsequent amendment or supplement thereto from time to time.
除另有說明，本聲明內所有對任何文件的提述包括其後對該文件作出的修訂或補充。
In consideration of the agreement of the HKMC and the HKMCI to consider the Lender’s offer (in relation to this loan) under the Scheme, the Borrower confirms and undertakes to the HKMC, the HKMCI, the Lender, TransUnion Limited and/or any other credit reference agencies (each a CRA) (as appropriate) that:
就按揭證券公司和按證保險公司同意考慮貸款人在計劃下（與該貸款有關）的提議，現借款人向按揭證券公司、按證保險公司、貸款人、環聯資訊有限公司和/或任何其他信貸資料機構（每個分別為「信貸資料機構」）（如適用）確認並承擔：
1. the information given at any time in or for the purpose of this application is to the best of the Borrower’s knowledge and belief true, accurate, up-to-date and complete as at the date of its submission. The Borrower hereby authorises the Lender, the HKMC and the HKMCI to verify or confirm such information, directly or indirectly or through TransUnion Limited and/or any other CRA or from any source or in any manner as they may choose or deem appropriate, and to obtain on behalf of the Borrower within 90 days from the day of signing of this Form by the Borrower, a copy of the Borrower’s credit report from any CRA for the purposes of the commitment to purchase to be granted by the HKMC via the HKMCI relating to the Loan and other related purposes, and any other purposes in connection with the business of the HKMC or the HKMCI or any of its related bodies; in this connection, the Borrower consents to and authorises any CRA to provide a copy of the Borrower’s credit report directly to the HKMC or the HKMCI without having first sent the Borrower a copy of the credit report for review;
  借款人任何時候就此申請提供的資料，就其所知及相信，均屬真實、正確、最新和完整的。借款人謹此授權貸款人、按揭證券公司、按證保險公司直接或間接或透過環聯資訊有限公司及/或任何其他信貸資料機構，或其選擇及認為適當的任何其他來源或方式核實或確認這些資料，及代表借款人，自借款人簽署本表格90 天內，為貸款或其他相關目的或任何其他有關按揭證券公司或按證保險公司或其相關機構業務的目的，從信貸資料機構獲取借款人信用報告的副本；因此，借款人同意並授權任何信貸資料機構，無需首先將借款人的信用報告副本發送給借款人審閱而直接提交給按揭證券公司或按證保險公司；
2. the Borrower hereby agrees and acknowledges to all CRAs that the provision of any credit report by any CRA to the HKMC or the HKMCI or the use of any such credit report by the HKMC or the HKMCI shall not be made the basis of any complaint, claim, suit, demand, cause of action or other proceeding against the CRA, the HKMCI or the Lender by the Borrower or any third party;
  借款人謹此同意並向所有信貸資料機構確認，任何信貸資料機構向按揭證券公司或按證保險公司提供的任何信用報告，或由按揭證券公司或按證保險公司使用任何此類信貸報告，均不構成借款人或任何第三方對信貸資料機構、按揭證券公司、按證保險公司或貸款人提出任何投訴、索賠、訴訟、要求、訴訟理由或其他法律程序的依據；
3. the Borrower hereby agrees that a copy or an electronic record of this Form bearing its signature(s) (including electronic signature) shall for the purpose of this application (including this Declaration), have the same effect as if it were the original thereof;
  借款人謹此同意本表格的副本或者電子記錄，並附有其簽名（包括電子簽名）的，應作本申請（包括本聲明）之用，其效力與原件相同；
4. the Borrower hereby authorises (a) the Lender, the HKMC, the HKMCI and their related bodies to access, inspect and make copies of all books, records, accounts and any other information relating to the Borrower or the Borrower’s business (for Borrower that is self-employed or a freelancer), whether in paper, electronic or any other form or medium and whether in the possession, custody or control of the Lender, the Borrower or otherwise, and (b) the HKMC or the HKMCI to disclose any information relating to the Borrower under the Scheme and/ or under the SME Financing Guarantee Scheme (SFGS) to the Lender, for any purpose relating to this application, monitoring the performance of the Loan, conducting quality assurance sampling review, due diligence review, processing a request for payment under the Scheme and other related purposes;
  借款人謹此授權(a) 貸款人、按揭證券公司、按證保險公司及其相關機構查閱、檢查和複製與借款人或借款人業務（對於自僱或自由職業者的借款人）有關的所有簿冊、記錄、帳目和任何其他資料，無論是書面、電子或任何其他形式或媒介的亦無論是由貸款人、借款人或其他人士管有、看管或控制的及(b) 按揭證券公司或按證保險公司向貸款人披露與借款人有關的在計劃及/或中小企融資擔保計劃項下的任何資料，目的是為了本申請、跟蹤貸款表現、品質保證抽樣檢閱、盡職調查、處理計劃下的款項支付及其他相關事宜；
5. the Scheme is for the sole and exclusive benefit of the Lender, and that the Borrower shall not be deemed to be a party to it, or a beneficiary of it, and that no payments made under the Scheme to the Lender shall affect or lessen the Lender’s rights of remedy against the Borrower in the event of default under the Loan;
  貸款人乃計劃下的唯一及獨有受益人，借款人不會被視為計劃下的合約一方或受益人，而根據計劃向貸款人支付的任何款項將不會影響或減少貸款人因借款人違約而擁有之索償權；
6. the Borrower is a Hong Kong permanent resident aged 18 years old or above;
  借款人為18歲或以上香港永久性居民；
7. as at the date of this application, the Borrower is not an undischarged bankrupt and no bankruptcy petition or proceedings has been made against the Borrower;
  自申請之日起，借款人不屬於未獲解除破產人士及未有針對其的破產呈請或法律程序；
8. the Borrower hereby undertakes to inform the HKMC, the HKMCI and the Lender as soon as practicable if any information provided by the Borrower in connection with this application is no longer valid, complete or accurate. The Borrower undertakes to repay in full all the outstanding amounts with respect to the Loan with interest within such time specified upon notification by the HKMC, the HKMCI or the Lender, if any information provided by the Borrower in connection with this application is false, inaccurate or no longer valid. The Borrower acknowledges that the HKMC, the HKMCI and the Lender reserve the right to take any actions, including legal actions, that are considered appropriate by the HKMC, the HKMCI and the Lender against the Borrower for furnishing false information;
  借款人謹此承諾如借款人就此申請提供的任何資料不再有效、完整或準確，會儘快在可行的情況下通知按揭證券公司、按證保險公司及貸款人。借款人承諾，如果借款人就此申請提供的任何資料是虛假、不準確或不再有效的，在按揭證券公司、按證保險公司或貸款人通知的規定的時間內，全額償還貸款的所有未償款項及利息。借款人確認，如借款人提供虛假資料，按揭證券公司、按證保險公司及貸款人保留採取其認為適當的任何行動，包括法律行動，的權利；
9. without prejudice to any rights and remedies that the Lender, the HKMC or the HKMCI may have, the Borrower acknowledges that the HKMC or the HKMCI may forthwith request the Lender to suspend the Loan, and the Lender shall act accordingly, in the event that the HKMC or the HKMCI is in the opinion that the Borrower is:
  在不影響貸款人、按揭證券公司或按證保險公司擁有的任何權利和補救措施的情況下，借款人確認，如果按揭證券公司或按證保險公司認為借款人有下列情形，按揭證券公司或按證保險公司可以要求貸款人、而貸款人因此暫停貸款：
  1. in breach of any of the undertakings given in this application; or
    違反本申請中作出的任何承諾；或
  2. no longer in compliance with, or has not complied with any declaration in this application;
    不再遵守或未遵守本申請中的任何聲明；
10. the Borrower hereby declares, confirms and consents, in relation to this application, for the provision of his or her personal data in this Form and at the HKMC’s or the HKMCI’s request and/or in the course of dealing with the HKMC or the HKMCI, and the Borrower will indemnify and hold the Lender, the HKMC and the HKMCI harmless from all losses, costs, penalties, damages and any expenses suffered and/or incurred as the result of such declaration and confirmation being untrue and in relation to any breach of the terms of this application;
  借款人謹此聲明、確認和同意，借款人就本申請在本表格中及受按揭證券公司或按證保險公司要求及/或處理按揭證券公司或按證保險公司相關事宜過程中而提供的個人資料如有不實，或借款人違反本申請的任何條款，借款人將彌償並使貸款人、按揭證券公司及按證保險公司免除因此而招受及/或產生的一切損失、費用、罰款、損害及任何開支；
11. the Borrower hereby acknowledges receipt of, confirms that he/she has read and understood and consents to the “Personal Information Collection Statement of the HKMC Group” (which accompanies this Form or which has been provided by the Lender to the Borrower);
  借款人謹此確認收到並已閱讀、理解及同意《按揭證券公司集團收集個人資料聲明》（附在本表格後或由貸款人向借款人提供）；
12. the Borrower hereby agrees and acknowledges that (a) this application if approved, the Lender will immediately after the Loan is drawn, sell, transfer and assign the Loan in favour of the HKMC; and (b) after the transfer, the HKMC shall be responsible for the rebate of the interest in accordance with the Loan documents; and
  借款人謹此同意並確認，(a) 如本申請獲批，貸款人會在貸款提取後，立即出售、轉移及轉讓貸款予按揭證券公司；及(b) 轉讓後按揭證券公司將負責根據貸款文件退還利息；及
13. By making any intentional or negligent misrepresentation or false declaration and/or by providing false information or omitting to provide relevant information in connection with this application, the Borrower may incur civil and/or criminal liability. In addition, the application for the Loan may be rejected or, if approved or granted, the Lender reserves the right to suspend any and all disbursement of funds to the Borrower in respect of the Loan.
  如借款人就本申請作出任何故意或疏忽的失實陳述或虛假聲明及/或提供虛假資料或漏報相關資料，借款人可能會招致民事及/或刑事法律責任。此外，本貸款申請可能被拒絕或如申請已獲批出，貸款人保留暫停就貸款向借款人支付任何及全部款項的權利。
Probity Clause for acknowledgement by the Borrower
借款人承認的誠實條款
Any attempt to offer advantage (as defined in the Prevention of Bribery Ordinance (POBO)(Chapter 201 of the Laws of Hong Kong) to any staff of the Lender with a view to influencing the outcome of this loan application or any matters in relation to the loan under the Scheme (or offer advantage to any members or employees of the HKMCI or the HKMC in the course of this loan application) constitutes an offence under POBO and renders the application invalid. The case will be reported to the Independent Commission Against Corruption (ICAC). Any approved loans will be cancelled and the Borrower will be liable to all losses and expenses incurred by the Lender, HKMCI and HKMC as a result of the offence. You should report to ICAC (Telephone No.:2526 6366) if any person solicits an advantage from you in relation to this loan application. 任何企圖向貸款人的職員提供好處（定義見《防止賄賂條例》（防賄條例）（香港法律第201 章）），以影響本貸款申請的結果或與該計劃下的貸款有關的任何事宜（或在本貸款申請過程中向按證保險公司或按揭證券公司的任何成員或僱員提供好處），即構成防賄條例下的罪行，並使該申請無效。該案將會向廉政公署舉報。任何獲批准的貸款將被取消，而借款人將承擔由貸款人，按證保險公司和按揭證券公司因違法行為而蒙受的所有損失和費用。如果有人向閣下索取與本貸款申請有關的利益，閣下應向廉政公署舉報（電話：2526 6366）。

Notes
註

The Borrower shall provide a copy of the HKID card showing permanent residence status.
借款人應提供香港身份證的副本，以顯示其永久居留身份。
The Borrower shall provide proof of the latest residential address in Hong Kong (valid within 3 months from the application) in the Borrower’s name, e.g. utility, internet service or phone bill, Government rent or rates demand note, tenancy agreement or rental receipt, any correspondence issued by any Government department (e.g. the Inland Revenue Department), any MPF Scheme or ORSO Scheme service provider, or any public bodies to the Borrower.
The Borrower may provide other documents showing his residential address in Hong Kong, such as tax returns issued by the Borrower’s former employer, bank statements or statements issued by an insurance company.
借款人應提供其最新的居港住址證明（自申請之日起3 個月內），如水電費帳單、互聯網服務或電話帳單、政府徵收差餉或地租通知書、租賃協議或租金收據、任何政府部門、強積金計劃或職業退休計劃服務提供者或任何公共機構發給借款人的任何通信函件（例如，稅務局）。借款人亦可提供其他文件證明其居港住址，例如借款人的前僱主發出的報稅表，銀行或保險公司發出的賬單。
If the Borrower can only provide proof of the latest residential address in the name of other person (e.g. family member) living with the Borrower, the Borrower shall provide a declaration in Part IV of the Loan Application Form - Supplemental explaining the situation and provide a copy of bank statement issued to the Borrower in such residential address. Address proof is required in all cases. 如果借款人只能提供與其一同居住的其他人（如家庭成員）名下的最新的住址證明，借款人須提供聲明（貸款申請表- 補充部分之第IV 部分）以解釋其現狀並提供發給本住址的借款人的銀行帳單。在任何情況下住址證明都是必須的。
Optional field for statistical purpose.
可選項，供統計之用。
Sole proprietor, partner, or shareholder who is currently carrying on any business by sole-proprietorship, partnership or privately owned limited liability company is not eligible to apply for a Loan under the Scheme.
若貸款申請人目前是從事任何業務的獨資經營者、企業合夥人或具有限責任的私營公司經營者不具申請計劃下貸款的資格。
If the Borrower is a self-employed business owner, the Borrower shall provide a business registration certificate and/or any supporting document showing the Borrower’s self-employed business.
如果借款人是自僱經營業務人士，借款人應提供商業登記證及/或任何證明借款人自僱經營業務的證明文件。

Proofs of unemployment, laid-off or business cessation status
失業，被停職或停止經營業務狀況證明
The Borrower shall provide documentary proofs of unemployment, laid-off or business cessation status
借款人應提供文件證明失業，被停職或停止經營狀況：
Unemployed, laid-off or cessation of business (for self-employed Borrower) for at least two (2) consecutive months at the time of loan application and can produce proof of loss of more than 50% main recurrent income from employment (not applicable to business owner) or loss of main recurrent incomes from business in Hong Kong.
申請貸款時失業，被停職或停業（適用於自僱經營業務借款人）至少連續兩(2) 個月，並且可提供失去超過一半在香港就業（不適用於自僱經營業務人士）或失去在香港經營業務所得的主要經常性收入。

Supporting documents 證明文件：
(1)	Bank statements or passbook of the Borrower’s main personal bank account(s) (and main business operating bank account(s) for self-employed business owner) for any 2 consecutive months issued within 3 months prior to the submission of loan application showing a loss of more than 50% main recurrent income from employment in Hong Kong (not applicable to business owners) or loss of main recurrent income from business in Hong Kong. Please note: Unless justified otherwise with proofs, the bank account shall be the same as that used to show the 3 months’ income proof mentioned in item 11 of this Loan Application Form. 在提交貸款申請表前3 個月內的任何連續2 個月，借款人的個人銀行帳戶（及/或自僱經營人士的主要業務經營銀行賬戶）月結單或賬戶存摺，證明已失去超過一半在香港就業（不適用於自僱經營人士）或失去在香港經營業務所得的主要經常性收入。請注意：除非有其他證據，所用銀行帳戶應與本貸款申請表第11項中用來顯示3 個月的收入證明的帳戶相同。
(2)	Applicable to self-employed business owners Proof of filing of Notice of Cessation of Business to the Business Registration Office or completion of sale of sole proprietorship or partnership, or Form 1(a) or Form 1(c) of the Business Registration Office showing the Borrower ceased the business or ceased to be a sole proprietor or partner, as the case may be. Alternatively, the Borrower may provide (i) the latest statements or passbook of major bank account(s) (for 2 consecutive months issued within 3 months prior to the submission of this Loan Application) of the sole proprietorship, partnership, or privately owned limited liability company, as the case may be, showing no active account transactions arising from new business activities; (ii) the relevant Business Registration Certificate of the selfemployed business; and (iii) provide a declaration on section IV (Supplemental Information and/or Declaration provided by the Borrower) of this Loan Application Formto provide an explanation for those non-business related transactions, if any, and provide supporting documents, where applicable. 適用於自僱經營業務人士：已提交商業登記署的通知結束業務表格或獨資或合夥完成銷售證明，或商業登記處的表格1 (a)或表格1 (c)顯示借款人已停止營業或不再是獨資或合夥人（視情況而定）。或者，借款人可以提供(i) 獨資、合夥經營者，或具有限責任的私營公司（視情況而定）在提交本貸款申請前3個月內連續2 個月發出的主要銀行賬戶的最新月結單或存摺，顯示沒有因新商業活動產生的賬戶交易；(ii) 相關自僱經營業務的商業登記證；(iii) 如果在相關銀行月結單或存摺上顯示賬戶活動，借款人必須於本貸款申請表上的第IV 部分（借款人提供的補充資料及/或聲明）提供聲明以說明該些非經營業務相關的交易（如有）及提供合理的解釋及證明文件（如適用）。

Proofs of previous employment or business and main recurrent income
前就業或經營業務及主要經常性收入證明
The Borrower shall provide the following documentary proofs of previous employment or business in Hong Kong and main recurrent income for at least three (3) months during the specified period between January 2020^(##) and February 2022.
借款人應提供以下文件證明從2020年1月^(##) 至2022年2月指定期間之至少3個月的在香港前職就業或經營業務及主要經常性收入證明：

^(##)

In view of the fact that Borrower who became unemployed, laid-off or whose business ceased (for self-employed business owner) in the first quarter of 2020 may not be able to provide proof of employment or business and main current income for at least three months during the specified period, the Lender may exercise discretion in dealing with such cases by considering the Borrower’s proof of employment or business and main current income for at least the three (3) months between July 2019 and February 2022.
鑑於在2020 年第一季度失業，被停職或已停止其營業（適用於自僱經營業務人士）的借款人或未能提供指定期間至少3 個月的就業或經營業務和主要經常性收入證明，貸款機構會將酌情處理有關個案，或考慮借款人從2019 年7 月至2022 年2 月期間至少三(3) 個月的就業或經營業務和主要經常性收入證明作為依據。

Supporting documents 證明文件：
(1)	Bank statements or passbook showing the autopay salary record (e.g. credit transaction with description of “salary”, “payroll”, employer’s name) for at least 3 months (as specified in item 11 of this Form); 至少3 個月（如本貸款申請表第11 項所指明）銀行月結單或存摺顯示相關的自動轉賬薪金（例如顯示薪金、工資，僱主名稱描述的收款條目）；
(2)	Wage slips, wage receipts, or other documents (such as tax return or any official documents, e.g. termination letter, statement of final/severance payment showing the last salary and period of employment to the Borrower, annual statements for 2020 or 2021, or monthly contribution history of the MPF scheme or ORSO scheme) that can be relied on to confirm or deduce the daily or monthly wage in the 3 months (as specified in item 11 above) (collectively, “wage confirmations”), issued by the current and/ or former employer and supported by bank statement(s) or passbook showing record of bank transfer or deposits of cheque(s) or cash. For wage paid by cheques and the relevant wage confirmations are not available, a copy of the cleared cheques supported by proof of employment relationship between the Borrower and the cheque issuer(s); 現時或前僱主發出的糧單或工資收據，或其他文件（例如顯示借款人最後薪金和在職期間的報稅表或任何正式文件，如終止合約信函、最後/ 遣散費付款表、強積金或職業退休計劃的2020 或2021 年度報表，或每月供款記錄）可用來確認或推論借款人（如本貸款申請表第11項所指明）的3個月的每日或每月工資（統稱為「工資確認文件」），並附上顯示相關收入由銀行轉帳或支票或現金存入的銀行月結單或存摺。如收入由支票支付而未能提供相關工資確認文件，請提供銀行已處理支票的副本及文件以證明借款人與支票付款方的僱傭關係；
(3)	Bank statements or passbook (including statements or passbook(s) of major bank account(s) of the Borrower’s sole proprietorship, partnership, or privately owned limited liability company, if appropriate, or free-lancers) showing records of business transactions, and supported by proofs of business activities for any 3 months (as specified in item 11 of this Form) which generated the main recurrent incomes. Examples of proofs of business activities include sales or service contract(s), invoice(s), or other records or correspondence(s) confirming remunerated jobs or projects of the Borrower; 銀行月結單或存摺（包括借款人的獨資企業、合夥企業或具有限責任的私營公司（如適用）或自由職業者的主要銀行賬戶的月結單或存摺）顯示相關商業交易記錄，並附上任何3 個月（如本貸款申請表第11 項所指明）的文件證明產生主要經常性收入的商業活動。證明商業活動的文件包括：銷售或服務合同或發票或其他商業記錄或通信往來；
(4)	Tax demand note (including tax demand note of the Borrower’s sole proprietorship, partnership, privately owned limited liability company, if applicable) for financial year 2019/2020 or 2020/2021 or 2021/2022 with assessment details. 2019/2020 或2020/2021 或2021/2022 財政年度的稅單（包括借款人的獨資企業、合夥企業或具有限責任的私營公司（如適用）的稅單）以及評估詳情。

There is a minimum loan amount of HK$5,000 and it shall be rounded down to the nearest hundreds based on the amount calculated.
最低貸款額為港幣5,000元，並按計算的金額調低至最接近的百位數。
The Borrower shall either apply for no or 18-month principal repayment holiday.
借款人可不申請或可申請18個月的還息不還貸款本金安排。

Personal Information Collection Statement
收集個人資料聲明
1. Nothing in this Statement shall limit the rights of data subjects under the Personal Data (Privacy) Ordinance.
  本聲明不會限制資料當事人在《個人資料（私隱）條例》下所享有的權利。
2. The supply of personal data is voluntary except for the personal data specified in the relevant data collection form as obligatory. Failure to supply such obligatory data will prevent us from fulfilling the purposes described below.
  除非有關資料收集表格中注明為必要的個人資料，否則提供個人資料屬自願性質。如該注明為必要的個人資料未獲提供，將導致我們無法完成如下所述的目的。
PURPOSES
目的
1. The purposes for which personal data of a data subject may be used will vary depending on the circumstances and context of its collection, but the purposes perceived by us will include the following:
  使用資料當事人個人資料的目的將取決於資料收集的情況和背景，但我們認為的目的將包括下列所述：
TRANSFEREES
資料承轉人
1. Personal data will be kept confidential but, subject to the provisions of any applicable law, may be provided to the following parties (within or outside Hong Kong) for the purposes outlined in paragraph 3 above:
  個人資料會予以保密，但取決於所適用的法律，我們可能就以上第3段所列的目的將其提供給以下各方（不論在香港境內或境外）：
  1. any member of the HKMC Group;
    按揭證券公司集團的任何成員；
  2. any broker, referrer or introducer of the data subject in Hong Kong or elsewhere;
    資料當事人在香港或其他地區的任何經紀人、推薦人或介紹人；
  3. any co-applicant or co-borrower, and any person proposing to provide or providing any financial or credit support in relation to a data subject’s obligations in connection with our Services.
    任何聯名申請人或聯名借款人，及為資料當事人就我們的業務所承擔的責任擬提供或正在提供財務或信貸支援的人士；
  4. any business partner which has participated in programmes operated by any member of the HKMC Group in relation to our Services;
    任何參與按揭證券公司集團成員營運的有關我們業務的計劃的商業夥伴；
  5. any person in connection with any claims made by or against or otherwise involving the data subject in respect of any Services provided by the Company or any member of the HKMC Group;
    與任何有關本公司或按揭證券公司集團的任何成員提供的業務的索賠有關的任何人士，不論該索賠是資料當事人提出的、或針對資料當事人的、或涉及資料當事人的；
  6. any agent, contractor or third party, which provides administrative, audit, data-processing, document management, technology, telecommunication, storage, payment or other services (including direct marketing services) to any member of the HKMC Group in Hong Kong or elsewhere under a duty of confidentiality to the same;
    在香港或其他地區對按揭證券公司集團的任何成員有保密責任，並為其提供行政、審計、資料處理、文件管理、科技、通訊、存儲、支付或其他服務（包括直接促銷服務）的任何代理人、承辦商或第三方；
  7. where applicable, any insurer or reinsurer (including any re-reinsurers of such reinsurer) of, or any entity providing financial support in relation to our Services;
    如適用，與我們的業務相關的任何承保人或再保險人（包括該再保險人的任何再保險人）或就我們的業務提供財務支援的任何實體；
  8. any valuer, medical service provider or an provider of products or services which is, or will be paid by funds drawn from the Services;
    任何由或將由業務獲取的資金來支付的估價方、醫療服務提供方或產品或服務的提供方；
  9. credit reference agencies or, in the event of default, debt collection agencies;
    信貸資料服務機構，或在涉及違約時，債務追收代理；
  10. any agent, auditor, accountant, tax adviser, lawyer, consultant or other professional adviser;
    任何代理人、核數師、會計師、稅務顧問、律師、顧問或其他專業顧問；
  11. any court, tribunal or administrative, governmental or regulatory body or enforcement agency in Hong Kong or elsewhere (including local or foreign tax authorities); and
    香港或其他地區的任何法院、裁判院或行政、政府或監管機構，或執法機關（包括本地或外地的稅務機關）；及
  12. any actual or potential assignee, transferee, participant or sub-participant of our rights or business.
    任何實際或潛在承讓人、受讓人、我們的權利或業務的參與人或從屬參與人。
USE AND PROVISION OF PERSONAL DATA IN DIRECT MARKETING
直接促銷中個人資料的使用及提供
1. We intend to:
  我們擬：
  1. use the names, contact details, Services portfolio information, transaction pattern and behaviour, financial, employment or other background and demographic data of a data subject held by us from time to time for direct marketing and we cannot use such data unless we have received the data subject’s consent or indication of no objection; and
    將我們持有的資料當事人的姓名、聯絡資料、業務組合資料、交易模式及行為、財務、就業或其他背景及人口統計數據不時用於直接促銷，而除非獲得資料當事人的同意或表示不反對，否則我們不能使用該等資料；及
  2. conduct direct marketing in relation to the following classes of products/services/events:
    對以下類別的產品/服務/活動進行直接促銷：
    1. insurance, financial services, retirement planning and related products/services/events; and
      保險、金融服務、退休規劃及相關產品/服務/活動；及
    2. reward, loyalty, co-branding or privilege programmes, and related products/services/events.
      獎賞、會員、聯名商品或禮遇計劃，及相關產品/服務/活動。
2. The above products/services/events may be provided or solicited by us and/or:
  以上產品/服務/活動可能由我們及/或下列人士提供或推薦：
  1. any member of the HKMC Group;
    按揭證券公司集團的任何成員；
  2. third-party financial institutions and insurers; and
    第三方金融機構及承保人；及
  3. third-party reward, loyalty, co-branding or privilege programme providers or operators.
    第三方獎賞、會員、聯名商品或禮遇計劃的供應商或營運商。
3. In addition to marketing the above products/services/events, we may provide a data subject’s information described in paragraph 5(a) to all or any of the persons described in paragraph 6 above for use by them in marketing those products/services/events, and we require the data subject’s written consent (which includes an indication of no objection) for that purpose.
  除促銷上述產品/服務/ 活動外，我們亦可能將以上第5(a)段所列的資料當事人的資訊提供予以上第6段所列的全部或任何人士，以供該等人士在促銷該等產品/服務/活動中使用，而我們為此用途須獲得資料當事人書面同意（包括表示不反對）。
If a data subject does not wish us to use or provide to other persons his/her personal data for use in direct marketing as described above, the data subject may exercise his/her opt-out right by notifying us.
如資料當事人不希望我們如上述使用其個人資料或將其個人資料提供予其他人士作直接促銷用途，資料當事人可通知我們行使其選擇權拒絕促銷。

RIGHTS OF ACCESS AND CORRECTION
查閱及改正資料的權利
1. A data subject may request access to or correction of his/her personal data by making a request in writing to our Data Protection Officer at 19/F, Two Harbour Square, No. 180 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong.
  資料當事人可以書面形式向我們的個人資料保障主任提出查閱或改正其個人資料的要求，其通訊地址為：香港九龍觀塘偉業街180 號 Two Harbour Square 19 樓。
2. We may charge a fee which is not excessive for processing any data access request.
  我們可就處理任何查閱資料的要求收取不超乎適度的費用。
In this Statement, unless the context does not permit or otherwise requires,
本聲明中，除非文義不許可或另有所指，
Company, we, our and us mean the company named in the document collecting the relevant data (which is a member of the HKMC Group) and its successors and assigns;
「本公司」、「我們」及「我們的」指收取相關個人資料的文件中所述的公司（其為按揭證券公司集團成員）及其繼承人及承讓人；
data subject, in relation to personal data, means the individual who is the subject of the personal data; and
「資料當事人」就個人資料而言，指屬該個人資料的當事人的個人；及
HKMC Group means The Hong Kong Mortgage Corporation Limited, its subsidiaries and subsidiary undertakings.
「按揭證券公司集團」指香港按揭證券有限公司、其附屬公司及附屬企業。

Notes
注意
1. This Statement may from time to time be revised or updated by us.
  本聲明可由我們不時修改或更新。
2. By using or continuing to use or participate any of our products/services/events, providing information about the data subject himself/ herself, or providing services to or entering into commercial or other contractual arrangements with us, a data subject is deemed to have accepted and agreed to the arrangements set out in and to be bound by the provisions herein.
  資料當事人使用或繼續使用或參加任何我們的產品/ 服務/ 活動、提供其本人資料、或向我們提供服務或與我們簽訂商業或其他合同安排時，資料當事人被視為已經接受及同意本聲明所陳述的安排及受相關條款約束。

Interest refund of 100% Personal Loan Guarantee Scheme
百分百擔保個人特惠貸款計劃利息退還
Eligible clients who have applied 100% Personal Loan Guarantee Scheme will receive full refund of the interest payment after the loan and interest are fully repaid by the end of the repayment period despite any interim delinquencies. After receiving the refund from HKMCI, the Bank will credit the interest refund to client’s SCB account; In case client does not hold a valid SCB account, the interest will be refunded in form of Cashier’s Order and will be sent to client’s mailing address according to the Bank’s record.
合資格百分百擔保個人特惠貸款計劃客戶，儘管有任何臨時拖欠，在還款期結束前將貸款和利息全額償還後，將獲得全額退還利息。收到按揭證券保險公司退回之利息後，本行會將款項發還至客戶之渣打戶口，假如客戶未持有渣打戶口，本行將會以本票型式發放並郵寄至客戶於銀行記錄之郵寄地址。

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Important Information - Personal Instalment Loan

[IID-PL004.2 (09/2022)]

Thank you for applying for our Personal Instalment Loan (“your Loan”). Please note the following key terms that are associated with your Loan:

Your loan amount is set out in the approval letter. The minimum loan amount is HK$5,000.
Your Loan is a type of instalment loan. Your first installment is due on the date set out in the Drawdown Advice. After that, you have to pay us each month until the amount we lent to you (plus interest) has been repaid.
If you ask, subject to approval, we may agree to provide a top up loan on terms we notify.
If you request a top up loan, the repayment period of the top up loan will be the same as your existing instalment loan, commencing on the date the top up loan is made. If you request, we may agree to extend the repayment period.
If you are advanced a top up loan, we will adjust the dates and amounts of the new monthly repayments by notice to you.
We will debit your repayment account for the instalment amount on the instalment due date.
The interest rate on your Loan is set out in the approval letter. Interest is calculated on monthly basis. The Annualised Percentage Rate is also set out in the approval letter.
We may vary the interest rate at any time. If we vary the instalment amount due to a change in the interest rate, the variation becomes effective on the second instalment date following the change in interest rate.
We will not charge a handling fee in the drawdown amount.
You may only repay the instalment loan in full (but not part of it) early if you notify us in writing ten business days before your proposed prepayment date. If you wish to repay your Loan early, you must pay the instalment loan in full, plus all accrued but unpaid interest up to the actual settlement date plus any other sum due to us. We will charge you an early settlement fee of 2.5% of the outstanding balance to cover our own administration fees and other costs.
If you do not repay any monthly instalment on or before the relevant due date:
1. the instalment loan plus all accrued but unpaid interest plus any other sum due to us is immediately due and payable; and
2. we will charge you a late payment fee of HK$1,000.
You agree to pay us on demand at any time the instalment loan in full, together with all accrued but unpaid interest, fees and charges in connection with the instalment loan.
As required by law, we will share your credit data with credit reference agencies or other regulators.
If you do not pay your monthly dues, we may block your Personal Instalment Loan account or any other account with us. This could result in your credit rating being negatively affected and may jeopardize your access to future loans from any reputable lending institution. Please note that we will also take action to collect any unpaid dues, including legal action where necessary.
This document is for your convenience and does not replace the Client Terms and the Personal Loan / Personal Line of Credit / Overdraft Terms.
For additional information, please call our Customer Service Hotline at 2886 0866 or contact your nearest branch.

Standard Chartered Personal Instalment Loan Debt Consolidation Program

If you have applied for our Personal Instalment Loan Debt Consolidation Program, the following terms in addition to the terms above apply:

You agree to use the approved loan amount to settle the total or part of outstanding balances of your credit cards (other than Standard Chartered Credit Card/Standard Chartered Co-Branded Card/MANHATTAN Credit Card/MANHATTAN Co-Branded Card) or personal loans (other than loans provided by any member of the Standard Chartered Group). We reserve the right to request you to cancel or terminate any of your credit cards or personal loans.
After we approve your loan application, within 5 working days, we will do any of the following:
1. deposit the approved loan amount to your designated credit card account(s) with other banks, where such bank(s) may deduct from the relevant account a handling fee for local telegraphic transfer; and
2. send the cashier’s order(s) with the approved loan amount to your correspondent address or deposit the approved loan amount to your repayment account of your relevant bank(s) or financial institution(s). After you have received the cashier’s order(s) or approved loan amount, you should settle the relevant loan(s) by depositing the amount(s) to your relevant loan account(s) with other bank(s) or financial institution(s) accordingly.
The individual banks and financial institutions will determine the actual date of payment according to their relevant policies and procedures. We are not liable at any time for any interest, charges or penalties (if any) arising from or in connection with this payment.
Until you receive our approval for the loan amount applied, you will continue to be liable to pay to the relevant bank(s) or financial institution(s) in respect of amounts owed to it or them in relation to the loan amount applied. We are not liable at any time for any overdue payment, interest or charges incurred by you as a result of your non-payment of the amounts owed to other bank(s) and financial institution(s).

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Standard Chartered Personal Instalment Loan

You need to read this document

It sets out specific terms and conditions on which we agree to provide you with the products and services you applied here. You must read it in conjunction with our Client Terms, and the applicable documents referred to in Part A of Client Terms (including the Personal Loans/ Personal Line of Credit/Overdraft Terms and the product brochure, Important Notes and promotional terms (if applicable)) and any other documents forming our banking agreement. The banking agreement is available to you at any of our branches or our website at www. sc.com/hk. If there is any inconsistency between the approval and any other part of our banking agreement, then the terms in the approval prevails. These terms do not apply to any existing product(s) or service(s) you have with us to the extent that they are subject to separate terms and conditions.

Meaning of words

Other than the defined terms here or under the product brochure or promotional terms (if applicable), you also need to refer to the other documents that form our banking agreement which define key words used below. For instance, please note:-
you means the person named as the “applicant” in the application.
we (without limiting the meaning defined in Client Terms) or Bank means Standard Chartered Bank (Hong Kong) Limited for this application.

Important Notes

To be eligible for this personal instalment loan, your annual income has to be HK$96,000 or above.
We reserve the right to determine the loan amount, limit, minimum monthly repayment, interest rate or any other offer in respect of the loan applied, or to decline your application in its entirety without giving you any reason for doing so. If your application is declined, no contractual relationship arises between us and you in respect of any product or service requested in your application.
In case if your application is approved, the pricing (such as interest rate and handling fee) will be offered to you based on the credit record you submit to us upon your application. We reserve the right to modify such pricing offered to you by giving you 30 days advance notice based on our credit assessment from time to time including, but not only limited to, your repayment record, credit bureau grading and our prevailing credit policy.
We may have obtained a credit report on the client and any of its sureties from a credit reference agency in considering any application for credit. In the event the client or any of its sureties wishes to access the credit report, we will advise the contact details of the relevant credit reference agency.
We may set off any amount we owe you against any amount you owe us (whether or not the obligation is matured or contingent).
Without limiting the above, our “Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data” (“Notice”, which is available to you at any of our branches and/or on our website at www.sc.com/hk) also forms part of the banking agreement. We will be using the information you provide to us and for such purposes as set out in the Notice.
We reserve the right to amend the contents and all the important notes or terms and conditions here at any time. In case of disputes, our decision shall be final.
If there is any inconstancy of conflict between the English and the Chinese versions, the English version shall prevail.

Extract of Personal Loan / Personal Line of Credit/Overdraft Terms

Part A – Personal Instalment Loans

1	Choose the account that is right for you
	We can structure your personal instalment loans to suit your personal banking needs. If you need us to explain any of the features of, or the terms applying to, any personal instalment loan products, please contact us.

2	The instalment loan
We must provide the loan
2.1	If we issue an approval, we agree to provide an instalment loan up to the limit. The limit may be different to the limit you applied for.
Purpose
2.2	You must use the instalment loan only for the purpose set out in the application or as otherwise approved by us.
Top up loan
2.3	If you ask, we may agree to provide a top up loan on terms we notify.
2.4	You may only make one request for a top up loan on any one business day.
How we provide the instalment loan
2.5	Usually we provide the instalment loan by depositing it into the repayment account. If we provide the instalment loan by cheque, the cheque is only valid for the period we specify and instalments are payable even if the cheque is not cashed.
2.6	Fees and charges that are applicable on the instalment loan may be deducted from the instalment loan before depositing it into the repayment account. Please contact us for details of any applicable fees.

3	Interest, fees and charges
Interest
3.1	You must pay interest on the instalment loan monthly in arrears at the rate set out in the approval or otherwise in our banking agreement or any other rate we determine from time to time.
3.2	Interest is payable on the dates set out in the approval, statements or elsewhere in our banking agreement.
3.3	Interest is calculated on a monthly basis.
Fees and charges
3.4	The fees and charges for the instalment loan are set out in the tariff sheet or elsewhere in our banking agreement. Please contact us for further details.
3.5	We may charge a late payment fee for any overdue payment as set out in the tariff sheet or elsewhere in our banking agreement.Please contact us for further details.

4	Repayment
Repayment by instalments
4.1	You must repay the instalment loan in instalments. We notify you the amount of the instalment and each instalment payment date.
4.2	Any balance owing for the account for the instalment loan (after payment of all instalments) must be repaid on the final payment date we notify you.
4.3	The instalments are payable even if you do not withdraw any of the instalment loan funds we deposit in the repayment account.
4.4	If the amount is due on a day which is not a business day, you must pay it on or before the next business day.
4.5	If we vary the interest rate on the instalment loan, we may vary the instalment amount and the number of instalments.
Methods of repayment
4.6	We advise you of the manner in which you must repay the instalments. For example, we may ask you to designate an account for repayment by direct debit and give us documents to facilitate direct debit from that account.
4.7	You must comply with our usual requirements for the relevant payment method, including any set out in this clause.
4.8	We start deducting instalments from your repayment account one month after drawdown of the instalment loan.
4.9	You must ensure that any payment instrument or payment instruction is honoured. For example, you must: ensure that you have sufficient funds in the account to be debited (including the repayment account); not stop cheques; not cancel or vary any payment arrangement (unless we ask you to do so to reflect a change in the instalments) or close or change the account on which cheques are drawn.
Automatic repayment from account with another institution
4.10	If we require you to repay by automatic payment and the repayment account is with another financial institution you must: organise a payment arrangement with the other financial institution under which an amount equal to each instalment amount is debited from the repayment account and paid to us on each instalment payment date and give us satisfactory evidence that this is in place; or provide us with any authority we require to enable us to debit the instalment amounts, from the repayment account.
Payment in full if we ask
4.11	Despite any other term of our banking agreement, at any time we may demand immediate payment of the instalment loan in full, together with all accrued but unpaid interest, fees and charges in connection with the instalment loan.
What happens if you do not pay
4.12	If you do not make an instalment on or before the relevant due date: the instalment loan plus all accrued but unpaid interest plus any other sum due to us is immediately due and payable; and we will charge you a late payment fee as set out in the tariff sheet or elsewhere in our banking agreement.
How we apply payments
4.13	We may use amounts we receive from any of your instalments to pay interest, fee and charges and insurance premium (if any) rather than to reduce the principal amount you owe to us or to pay amounts you owe us in any order we choose. For example, we may allocate a high proportion of any one or more of your instalments to interest rather than to the principal amount you owe us.

5	Prepayment
	You may prepay all (but not part) of the instalment loan if: you give us reasonable notice in writing; and when you prepay, you also pay all accrued but unpaid interest, fees and charges in connection with the instalment loan (including any early settlement fees as set out in the tariff sheet or elsewhere in our banking agreement). Details of these fees and charges are available by contacting us. We may also require you to pay us an amount equal to one month’s interest on the instalment loan.

6	Cancellation
Our Client Terms set out when you and we may end your use of any product and what you need to do if that happens. This includes immediate payment of the balance owing for the account for the instalment loan. This clause sets out additional circumstances in which you or we may cancel the instalment loan.
	You may only cancel the instalment loan before the drawdown of an instalment loan and within the period we specify. However, we may charge you a cancellation fee (details of which are available by contacting us).

7	Telephone enquiry
	When we receive an enquiry by telephone, we may verify an enquirer’s identity by asking them to provide your Hong Kong Identity Card number (or passport number if you do not have a Hong Kong Identity Card), the loan amount applied for and any other information we see fit. If we genuinely believe the enquirer to be you, you authorise us to disclose the following data to the enquirer: loan approval status (approved, pending or rejected); and if the loan is approved, the exact amount approved, the interest rate, the number of instalments, the final payment date and the drawdown date.

Extract of Service Charges*

1.	Late Payment Charge	HK$1,000 per month Payable when you do not repay a monthly instalment on or before the relevant due date
2.	Handling Fee	0%
3.	Early Redemption Penalty	2.5% of the outstanding balance Payable when you repay the loan in full early

* For details of the fees and charges as shown on the tariff sheet, please contact any of our branches and/or visit our website at www.sc.com/hk.

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Standard Chartered Bank (Hong Kong) Limited (the “Bank”)
Notice to customers and other individuals relating to the Personal Data (Privacy) Ordinance (“Ordinance”) and the Code of Practice on Consumer Credit Data

From time to time, it is necessary for data subjects to supply the Bank with data in connection with matters such as:-

(I)

the opening or operation of accounts,
the establishment, maintenance, review or evaluation of facilities; and/or
the establishment or operation or provision of products or services offered by or through the Bank (which include banking, cards, financial, insurance, fiduciary, securities and/or investments products and services as well as products and services relating to these);
(collectively, Facilities, Products and Services), and/or

(II)

the receipt of supplies and services to the Bank.

Failure to supply such data may result in the Bank being unable to establish, maintain or provide Facilities, Products and Services to data subjects
It is also the case that data are collected, directly or indirectly, by the Bank from data subjects transacting with or through the Bank in the ordinary course of the Bank’s business, including (without limitation) information received from third parties, the public domain, collected through use of the websites, cookies and electronic banking services of the Standard Chartered Group, and/or when data subjects write cheques or deposit money or effect transactions through cards, or otherwise carry out transactions as part of the Bank’s services. The Bank will also collect data relating to the customer from third parties, including third party service providers with whom the customer interacts in connection with the marketing of the Bank’s products and services and in connection with the customer’s application for the Bank’s products and services (including receiving personal data from credit reference agencies approved for participation in the Multiple Credit Reference Agencies Model (hereinafter referred to as “credit reference agencies”)).
Data relating to a data subject (the Bank being the data user) may be used for any one or more of the following purposes:-
1. processing applications from the data subject (including assessing the merits and/or suitability of the data subject’s application(s)) for the establishment of Facilities, Products and Services offered by the Bank or any member of the Standard Chartered Group;
2. operating, maintaining, providing, reviewing and evaluating Facilities, Products and Services to the data subject, including to enable the Bank or any member of the Standard Chartered Group to fulfil any contract for Facilities, Products and/or Services that a data subject has requested and/or to understand the overall picture of the relationship of a data subject with the Standard Chartered Group by linking data in respect of all accounts such data subject is connected to;
3. conducting credit checks on the data subject (whether in respect of an application for, or modification of terms of, Facilities, Products and Services or during regular or special review which normally will take place once or more each year);
4. creating and maintaining the Bank’s credit scoring models;
5. maintaining credit history of the data subject for present and future reference;
6. assisting other credit providers in Hong Kong approved for participation in the Multiple Credit Reference Agencies Model (hereinafter referred to as “credit providers”) to conduct credit checks and collect debts;
7. ensuring ongoing credit worthiness of the data subject;
8. designing banking, cards, financial, insurance, securities and investment services or related products for data subject’s use;
9. marketing services, products and other subjects (please see further details in paragraph (g) below);
10. determining the amount of indebtedness owed to or by data subjects;
11. enforcement of data subjects’ obligations, to the Bank or any other member of the Standard Chartered Group, including but not limited to the collection of amounts outstanding from data subjects and those providing security for data subjects’ obligations;
12. meeting or complying with any obligations, requirements or arrangements for disclosing and using data that apply to the Bank or any other member of the Standard Chartered Group or that it is expected to comply according to:-
  1. any law or regulation binding on or applying to it within or outside Hong Kong existing currently and in the future (e.g. the Inland Revenue Ordinance and its provisions including those concerning automatic exchange of financial account information);
  2. any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Hong Kong existing currently and in the future (e.g. guidelines or guidance given or issued by the Inland Revenue Department including those concerning automatic exchange of financial account information); and
  3. any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on the Bank or any member of the Standard Chartered Group by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry bodies or associations;
13. meeting or complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the Standard Chartered Group and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;
14. enabling an actual or potential assignee of all or any part of the business and/or asset of the Bank or participant or sub-participant of the Bank’s rights in respect of the data subject, to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;
15. in connection with any member of the Standard Chartered Group defending or responding to any legal, governmental, or regulatory or quasi-governmental related matter, action or proceeding (including any prospective action or legal proceedings), including where it is in the legitimate interests of the Bank or any member of the Standard Chartered Group to seek professional advice, for obtaining legal advice or for establishing, exercising or defending legal rights;
16. in connection with any member of the Standard Chartered Group making or investigating an insurance claim or responding to any insurance related matter, action or proceeding;
17. organizing and delivering seminars for the data subjects;
18. managing, monitoring and assessing the performance of any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Bank in connection with the establishment, operation, maintenance or provision of Facilities, Products and Services; and/or
19. any other purposes relating to the purposes listed above.
Data the Bank holds relating to a data subject is kept confidential but the Bank may provide, transfer or disclose such data or information to any one or more of the following parties (whether within or outside Hong Kong*) for the purposes set out in paragraph (d):-
1. any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Bank in connection with the establishment, operation, maintenance or provision of Facilities, Products and Services;
2. any other person under a duty of confidentiality to the Bank including any other member of the Standard Chartered Group which has undertaken to keep such information confidential;
3. the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
4. third party service providers with whom the customer has chosen to interact with in connection with the customer’s application for the Bank’s products and services;
5. credit reference agencies (including the operator of any centralized database used by credit reference agencies), and, in the event of default, to debt collection agencies;
6. any person or entity to whom the Bank or any other member of the Standard Chartered Group is under an obligation or otherwise required to make disclosure under the requirements of any law or regulation binding on or applying to the Bank or any other member of the Standard Chartered Group, or any disclosure under and for the purposes of any guidelines, guidance, directives, rules, codes, circulars or other similar documents issued or given by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which the Bank or any other member of the Standard Chartered Group is expected to comply, or any disclosure pursuant to any contractual or other commitment of the Bank or any other member of the Standard Chartered Group with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside Hong Kong and may be existing currently and in the future;
7. any financial institution and merchant acquiring company with which a data subject has or proposes to have dealings;
8. any actual or proposed assignee of all or any part of the business and/or asset of the Bank or participant or sub-participant or transferee of the Bank’s rights in respect of the data subjects;
9. any party giving or proposing to give a guarantee or third party security to guarantee or secure the data subject’s obligations; and/or
10. 1. any member of the Standard Chartered Group which may include a Head Office function acting as a data controller in respect of data subject’s data;
  2. third party financial institutions, insurers, credit card companies, securities and investment, mobile wallets & digital payment services providers;
  3. third party reward, loyalty, co-branding and privileges programme providers;
  4. co-branding partners of the Bank and/or any member of the Standard Chartered Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be);
  5. charitable or non-profit making organisations; and
  6. external service providers (including but not limited to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, data processing companies and information technology companies) that the Bank engages for the purposes set out in paragraph (d)(ix) above
* Please refer to the Bank’s website (www.sc.com/hk) for the list of countries where such parties may be located.
1. With respect to data in connection with mortgages applied by a data subject (in any capacity) on or after 1 April 2011, the following data relating to the data subject (including any updated data of any of the following data from time to time) may be provided by the Bank, on its own behalf and/or as agent, to credit reference agencies:-
  1. full name;
  2. capacity in respect of each mortgage (as borrower, mortgagor or guarantor, and whether in the data subject’s sole name or in joint names with others);
  3. Hong Kong Identity Card Number or travel document number;
  4. date of birth;
  5. correspondence address;
  6. mortgage account number in respect of each mortgage;
  7. type of the facility in respect of each mortgage;
  8. mortgage account status in respect of each mortgage (e.g., active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and
  9. if any, mortgage account closed date in respect of each mortgage.
2. Credit reference agencies will use the above data supplied by the Bank for the purposes of compiling a count of the number of mortgages from time to time held by the data subject with credit providers, as borrower, mortgagor or guarantor respectively and whether in the data subject’s sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agencies by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Ordinance).
3. The Bank may from time to time access the mortgage count held by the credit reference agency(ies) in the course of:-
  1. considering mortgage loan application(s) made by the data subject (in any capacity) from time to time;
  2. reviewing any credit facility (including mortgage loan) granted or to be granted to the data subject (in any capacity) which is in default for a period of more than 60 days with a view to putting in place any debt restructuring, rescheduling or other modification of the terms of such credit facility by the Bank;
  3. reviewing any credit facility (including mortgage loan) granted or to be granted to the data subject (in any capacity), where there is in place any debt restructuring, rescheduling or other modification of the terms of such credit facility between the Bank and the data subject consequent upon a default in the repayment of such credit facility for implementing such arrangement;
  4. reviewing any credit facility (including mortgage loan) granted or to be granted to the data subject (in any capacity), with a view to putting in place any debt restructuring, rescheduling or other modification of the terms of any credit facility initiated by the request of the data subject; and/or
  5. reviewing, evaluating and modifying terms of any credit facility (including mortgage loan) granted or to be granted to the data subject (in any capacity) from time to time, and reviewing the same with the data subject.
4. The Bank may from time to time access the mortgage count held by the credit reference agency(ies) in the course of (after 31 March 2013):-
  1. reviewing and renewing mortgage loans granted or to be granted to the data subject (in any capacity); and/or
  2. considering the application for credit facility (other than mortgage loan) by the data subject (in any capacity other than mortgagor) and/or reviewing or renewing any facility (other than mortgage loan) granted or to be granted to the data subject (in any capacity other than mortgagor), in each case where such facility is in an amount not less than such level or to be determined by a mechanism as prescribed or approved by the Privacy Commissioner for Personal Data from time to time.
USE OF DATA IN DIRECT MARKETING
The Bank intends to use a data subject’s data in direct marketing and the Bank requires the data subject’s consent (which includes an indication of no objection) for that purpose. In this connection, please note that:-
1. the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a data subject held by the Bank from time to time may be used by the Bank in direct marketing;
2. the following classes of services, products and subjects may be marketed:-
  1. financial, insurance, fiduciary, investment services, credit card, securities, investment, banking and related services and products;
  2. reward, loyalty or privileges programmes and related services and products;
  3. services and products offered by the Bank’s co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
  4. donations and contributions for charitable and/or non-profit making purposes;
3. the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Bank and/or:-
  1. any member of the Standard Chartered Group;
  2. third party financial institutions, insurers, credit card companies, securities and investment, mobile wallets & digital payment services providers;
  3. third party reward, loyalty, co-branding or privileges programme providers;
  4. co-branding partners of the Bank and/or any member of the Standard Chartered Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
  5. charitable or non-profit making organisations;
4. in addition to marketing the above services, products and subjects itself, the Bank also intends to provide the data described in paragraph (g) (i) above to all or any of the persons described in paragraph (g)(iii) above for use by them in marketing those services, products and subjects, and the Bank requires the data subject’s written consent (which includes an indication of no objection) for that purpose;
5. the Bank may receive money or other property in return for providing the data to the other persons in paragraph (g)(iv) above and, when requesting the data subject’s consent or no objection as described in paragraph (g)(iv) above, the Bank will inform the data subject if it will receive any money or other property in return for providing the data to the other persons.
If a data subject does not wish the Bank to use or provide to other persons his/her data for use in direct marketing as described above, the data subject may exercise his/her opt-out right by notifying the Bank without charge.
TRANSFER OF PERSONAL DATA TO DATA SUBJECT’S THIRD PARTY SERVICE PROVIDERS USING BANK APPLICATION PROGRAMMING INTERFACE (API)
The Bank may, in accordance with the data subject’s instructions to the Bank or third party service providers engaged by the data subject, transfer data subject’s data to third party service providers using the Bank’s API for the purposes notified to the data subject by the Bank or third party service providers and/ or as consented to by the data subject in accordance with the Ordinance.
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:-
1. to check whether the Bank holds data about him and/or access to such data;
2. to require the Bank to correct any data relating to him which is inaccurate;
3. to ascertain the Bank’s policies and procedures in relation to data and to be informed of the kind of personal data held by the Bank and/or he/she has access to;
4. to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of access or correction requests to the relevant credit reference agency(ies) or debt collection agency(ies); and
5. in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by the Bank to a credit reference agency, to instruct the Bank, upon termination of the account by full repayment, to make a request to the credit reference agency to delete such account data from its database, as long as the instruction is given within five years of termination and at no time was there any default of payment in relation to the account, lasting in excess of 60 days within five years immediately before account termination. Account repayment data includes amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by the Bank to the credit reference agency), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of 60 days (if any)).
In the event of any default of payment relating to an account, unless the amount in default is fully repaid or written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, the account repayment data (as defined in paragraph (i)(v) above) may be retained by credit reference agencies until the expiry of five years from the date of final settlement of the amount in default.
In the event any amount in an account is written-off due to a bankruptcy order being made against a data subject, the account repayment data (as defined in paragraph (i)(v) above) may be retained by credit reference agencies, regardless of whether the account repayment data reveal any default of payment lasting in excess of 60 days, until the expiry of five years from the date of final settlement of the amount in default or the expiry of five years from the date of discharge from a bankruptcy as notified by the data subject with evidence to the credit reference agency(ies), whichever is earlier.
Without limiting the generality of the foregoing, the Bank may from time to time access the personal and account information or records of a data subject held by the credit reference agency(ies) for the purpose of reviewing any of the following matters in relation to the existing credit facilities granted to a data subject or a third party whose obligations are guaranteed by a data subject :-
1. an increase in the credit amount;
2. the curtailing of credit (including the cancellation of credit or a decrease in the credit amount); and
3. the putting in place or the implementation of a scheme of arrangement with the data subject or the third party.
The Bank may have obtained credit report(s) on a data subject from credit reference agency(ies) in considering any application for credit or modification of terms of the credit. In the event a data subject wishes to access the credit report(s), the Bank will advise the contact details of the relevant credit reference agency(ies).
Data of a data subject may be processed, kept and transferred or disclosed in and to any country as the Bank or any person who has obtained such data from the Bank referred to in (e) above considers appropriate. Such data may also be processed, kept, transferred or disclosed in accordance with the local practices and laws, rules and regulations (including any governmental acts and orders) in such country.
In accordance with the terms of the Ordinance, the Bank has the right to charge a reasonable fee for the processing of any data access request.
Data subjects located in the European Union may also have the following additional rights:-
1. the Bank or any other member of the Standard Chartered Group will use profiling, including behavioral analysis, to assist in providing data subjects with better Facilities, Products and/or Services, to make decisions and to prevent money laundering, terrorism, fraud and other financial crime, for example profiling will help to try and detect whether use of a credit card may be fraudulent. If any profiling will result in an automated decision relating to a data subject who is an accountholder, we will let the accountholder know and the accountholder will have the right to discuss the decision with the Bank;
2. in some circumstances a data subject has the right to ask the Bank to delete the personal data of such data subject, for example if the Bank no longer has a valid reason to process it;
3. in some circumstances a data subject may have the right to object to how the Bank processes the personal data of such data subject but this does not mean that the data subject can decide or choose how the Bank processes the personal data other than in relation to marketing. If a data subject has any concerns about how the Bank processes his/her/its personal data, such data subject should discuss this at a branch or with a relationship manager. The Bank may not be able to offer Facilities, Products or Services if the data subject does not want the Bank to process the personal data the Bank considers necessary to process to provide such Facilities, Products or Services;
4. in some circumstances a data subject may have the right to restrict how the personal data of such data subject is processed;
5. in some circumstances a data subject may have the right to request the personal data that has been given to the Bank in a machine readable format. An accountholder may already be able to do this through online banking in relation to banking transactions;
6. a data subject has the right to complain to the Privacy Commissioner for Personal Data, or if the data subject is located in the European Union, the UK Information Commissioner. Details can be provided by emailing privacy@sc.com
The person to whom requests for access to or correction of data held by the Bank, or for information regarding the Bank’s data policies and practices and kinds of data held by the Bank are to be addressed is as follows:

Data Protection Officer
STANDARD CHARTERED BANK (HONG KONG) LIMITED
GPO Box 21, Hong Kong
Should you have any queries, please do not hesitate to contact either your relationship manager or our designated hotline 2886 6023.
Nothing in this document shall limit the rights of data subjects under the Ordinance.
Security:-
1. The security of personal data is important to the Bank. The Bank has technical and organisational security measures in place to safeguard each the personal data of each data subject. When using external service providers, the Bank requires that they adhere to security standards mandated by the Bank and the Standard Chartered Group. The Standard Chartered Group may do this through contractual provisions, including any such provisions approved by a privacy regulator, and oversight of the service provider. Regardless of where personal data is transferred, the Bank takes all steps reasonably necessary to ensure that personal data is kept securely.
2. Data subject(s) should be aware that the Internet is not a secure form of communication and they must not send the Bank any personal data over the Internet as this carries with it risks including the risk of access and interference by unauthorised third parties. Information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in the country of residence of a data subject.
The Bank and the Standard Chartered Group retain personal data in line with applicable legal and regulatory obligations and for business and operational purposes. In the majority of cases this will be for seven years from the end of a data subject’s relationship with the Standard Chartered Group.
To the extent permitted by law, the Bank and other members of the Standard Chartered Group may record and monitor electronic communications with data subjects to ensure compliance with legal and regulatory obligations and internal policies for the purposes outlined at paragraph (d) above.
Data subjects should also read the cookie policy when using the Bank’s online services.

In this document, unless inconsistent with the context or otherwise specified, the words in italic shall have the following meanings:-

account(s) means, for each facility, service or product which the Bank may from time to time make available to the data subjects, the account that is, opened and/or maintained in respect of it from time to time.
accountholder(s) means holder(s) of an account, and includes joint accountholder(s) in case there is more than one holder for an account.
card means an ATM card, a debit card, a credit card, or a revolving card or all of them, as the context requires.
data subject(s) has the meaning given to it in the Ordinance and includes applicants or accountholders for Facilities, Products and Services, customers, security providers, guarantors, referees, corporate officers and managers, (e.g. authorized signatories, contact persons, company secretary, directors, shareholders, beneficial owners of a corporate), beneficiaries, suppliers, agents, contractors, service providers and other contractual counterparties and any third party transacting with or through the Bank.
disclose, disclosing or disclosure, in relation to personal data, includes disclose or disclosing information inferred from the data.
Hong Kong means the Hong Kong Special Administrative Region.
in any capacity means whether as a borrower, mortgagor or guarantor and whether in the data subject’s sole name or joint names with others.
mortgage count means the number of mortgage loans held by the data subject (in any capacity) with credit providers in Hong Kong from time to time.
Standard Chartered Group means each of or collectively Standard Chartered PLC and its subsidiaries and affiliates (including each branch or representative office).
Please circulate this document to any and all data subject(s) relating to your account(s) at our Bank. Should there be any inconsistencies between the English and Chinese versions, the English version shall prevail.

Standard Chartered Bank (Hong Kong) Limited
Last Updated in September 2022

Issued by Standard Chartered Bank (Hong Kong) Limited

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