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Key Facts

Interest Rates and Interest Charges
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.
實際年利率	For a loan amount of HKD100,000: 實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費。
Annualised Overdue / Default Interest Rate	According to the terms of banking agreement of the relevant credit card. Banking agreement includes our Client Terms and the applicable documents referred to in Part A of our Client Terms.
Fees and Charges
Handling Fee	HKD200 will be charged when an application is approved by the Bank as a handling fee for application.
Late Payment Fee and Charge	According to the terms of banking agreement of the relevant credit card. Banking agreement includes our Client Terms and the applicable documents referred to in Part A of our Client Terms.
提前還款/提前清償/贘回的收費	提前還款將收取原有的貸款金額之1%或最少300港元(以較高者為準)
Returned Cheque / Rejected Autopay Charge	According to the terms of banking agreement of the relevant credit card. Banking agreement includes our Client Terms and the applicable documents referred to in Part A of our Client Terms.
Additional Information
Minimum Loan Amount	HKD3,000

Terms & Conditions

General Terms and Conditions:
1. The Bank reserves the right to vary or modify any of the Terms and Conditions. In case of any dispute, the decision of the Bank shall be final.
2. Cardholder confirms that no Credit Card under his/her name issued by any financial institutions has been cancelled due to default in payments, and there is no current overdue payment exceeding 1 month in respect of his/her loan indebtedness (including Credit Card and any unsecured loans) with other financial institutions. Cardholder further confirms that no bankruptcy order has ever been made against him/her and he/she is not in the process of petitioning for bankruptcy nor has any intention to do so.
3. The Cardholder understands and agrees that for the purposes of review of his/her existing credit facilities, the Bank may access data of the Cardholder held with a credit reference agency in accordance with the provisions of the Code of Practice on Consumer Credit Data. (Applicable to employee of the Bank only) The Cardholder authorizes the Bank to retrieve his/her employment information in the Bank’s record (including his/her salary information) and use the same for the purpose of credit assessment and processing his/her application(s) for the Loan.
4. These Terms and Conditions of the Instalment Credit Program and the Credit-to-Cash Preferential Annual Rate Program shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region of the People’s Republic of China.
5. If there is any inconsistency or conflict between English and Chinese versions, the English version shall prevail.
Common Terms and Conditions of Standard Chartered Credit Card Instalment Credit Program and Standard Chartered Credit-to-Cash Preferential Annual Rate Program:
1. By applying to participate the Instalment Credit Program or the Credit-to-Cash Preferential Annual Rate Program in writing or by telephone, Cardholders are deemed to have accepted all Terms and Conditions set out in this promotional letter, as well as all Terms and Conditions stated in the Client Terms and the applicable documents referred to in Part A of our Client Terms (“banking agreement”).
2. The Instalment Credit Program offer and the Credit-to- Cash Preferential Annual Rate Program offer are only applicable to the designated Standard Chartered Credit Card Account specified on the application form.
3. No 360˚ Rewards Points will be granted under the Instalment Credit Program and the Credit-to-Cash Preferential Annual Rate Program.
4. The Instalment Credit amount and the Credit-to-Cash amount applied for should be in multiple of HKD100.
5. The designated bank may deduct a handling charge for local telegraphic transfer from the cardholder’s account (except Standard Chartered account).
6. The Bank has the absolute right to approve or decline application for Instalment Credit Program and Credit- to-Cash Preferential Annual Rate Program in accordance to the credit policies adopted by the Bank from time to time, and the Bank has the sole discretion to determine the Instalment Credit and the Credit-to-Cash amount. The Bank is not obliged to provide reasons for declined applications. A notification letter will be sent to the Cardholder advising him/her the approval result and final approved amount.
Additional Terms and Conditions of Standard Chartered Credit Card Instalment Credit Program:
1. The cash amount transferred from the credit limit of the Cardholder’s relevant credit card account under the Instalment Credit Program is referred to Instalment Credit amount. Upon approval of your application, the Instalment Credit amount and any applicable fee(s) and/or handling fees as described in Clause 5 below will be deducted from the available credit limit of your designated Standard Chartered Credit Card Account. The credit limit will be restored upon monthly repayment.
2. Cardholder can make multiple applications during the promotional period. However, the total Instalment Credit amount and any applicable fee(s) and/or handling fees as described in Clause 5 below must not exceed your eligible Instalment Credit amount pre- printed on the promotional materials (if any).
3. The first Instalment Amount and any applicable fee(s) and/or handling fees as described in Clause 5 below will be billed on the transaction date as shown in the coming statement which is the approval date of the Instalment Credit amount.
4. (a) The Instalment Amount in relation to Instalment Credit Program is the amount payable by the Cardholder to the Bank in each month over the Instalment Period and is calculated by dividing the Instalment Credit amount by the number of months in the Instalment Period plus the Monthly handling fee (if applicable). (b) Each Instalment Amount will be charged to the Card Account as a billable item under an additional service applied by the Cardholder and be shown as a cash advance in a Statement. Each Instalment Amount shall be payable by the Cardholder monthly under the Minimum Payment Due in accordance with the terms of banking agreement. The late charge and/or finance charge under banking agreement will apply if Minimum Payment Due or the Statement Balance shown in the Statement is not paid in full on or before the Payment Due Date specified in the Statement. (c) The number of instalments, the Instalment Amount and the Instalment Period cannot be altered without Bank’s consent. (d) The Instalment Credit amount is not a cash advance nor a retail purchase transaction made using the designated credit card(s).
5. (a) Upon the Bank’s approval of the application, (i) an application fee determined and notified by the Bank from time to time will be charged to the Card Account on a lump sum basis (the Application Fee); handling fee determined and notified by the Bank from time to time will be charged to the Card Account on a monthly basis during the Instalment Period (each a Monthly handling fee, and collectively the handling fee). The Bank reserves the right to alter both charges from time to time without further notice; or (ii) an application fee as well as a handling fee determined and notified by the Bank from time to time will be charged to the Card Account on a lump sum basis (the One-off Handling Fee). (b) Any applicable fee(s) and/or handling fees charged to the Card Account as described in sub-clause (a) of this clause will be treated in the same way as an Involuntary Charge, and will be shown in a Statement and be payable by the Cardholder as such in accordance with the terms of banking agreement.
6. (a) The Bank may at any time at its sole discretion terminate or suspend (for so long as the Bank thinks fit) the Instalment Credit Program in respect of a Card Account by notice to the relevant Cardholder. (b) Notwithstanding anything contained in banking agreement, these Terms and Conditions or any other document, the Bank will at all times have the right at its sole discretion (i) at any time to charge the Card Account, the aggregate of all remaining Instalment Amounts and any applicable fee(s) and/or handling fees as described in Clause 5 above not previously so charged, or the full Instalment Credit amount and any applicable fee(s) and/or handling fees as described in Clause 5 above where an application has been approved but not yet charged to the Card Account, and/or (ii) to demand immediate payment of all sums payable pursuant to the Instalment Credit by Instalment Credit Program which are set out in these Terms and Conditions, whether or not already reflected in a Statement or due and payable at the date of the demand. (c) In particular (but without limiting the overriding nature of its right) the Bank may exercise its right under sub-clause (b) if (i) the Card Account is cancelled or terminated (or notice of cancellation or termination has been given) by the Cardholder or the Bank for whatever reason; (ii) the Cardholder defaults in the payment of any amounts due under banking agreement or these Terms and Conditions; (iii) the Cardholder breaches any other provision of banking agreement or these Terms and Conditions; (iv) the Cardholder is deceased, or a bankruptcy petition is presented in relation to the Cardholder, or the Cardholder is unable to pay his debts as they fall due; or (v) the Bank exercises its right under sub-clause (a).
7. (a) The Cardholder may at any time during an Instalment Period repay all Instalment Amount and any applicable fee(s) and/or handling fees payable over the remaining Instalment Period but not yet charged to the Card Account subject to payment of an administration fee equivalent to 1% of the original Instalment Credit amount (the amount which the Cardholder withdrew upon successful application of Instalment Credit Program) or HKD300, whichever is higher, will be charged directly to your Standard Chartered Credit Card account. (b) The Cardholder shall give the Bank notice at least 5 working days in advance of his intention to make early repayment. Once given, such notice will not be revocable without the Bank’s prior consent. Partial early repayment will not be accepted. (c) On receipt of an early repayment notice, the Bank will charge to the Card Account the Instalment Amount to be repaid, any applicable fee(s) and/or handling fees as described in Clause 5 above and the administration fee as described in sub-clause (a). Such amounts will be shown in a Statement and be payable as Voluntary Charge(s) and as Involuntary Charge(s) respectively.
Additional Terms and Conditions of Standard Chartered Credit-to-Cash Preferential Annual Rate Program:
1. For Cardholders who apply Credit-to-Cash Preferential Annual Rate Program, please call the application hotline 183 6336 to get the details of their personalized offer.
2. The transaction type of Credit-to-Cash is cash advance. Upon approval of your application, your available credit limit will be deducted from your designated Standard Chartered Credit Card Account accordingly.
3. Cardholder can make multiple applications during the promotional period.
4. If the Cardholder fails to pay on or before the relevant due date any Minimum Payment Due specified in any statement issued during the Preferential Interest Rate Period, apart from the fees and charges as set out in the Credit Card Terms, you will also be subject to the prevailing interest, fees and charges (including but not limited to finance charge for cash advance, late charge and default rate) as specified in the Service Charges Booklet for all of your outstanding amount owed to us under Credit-to-Cash Preferential Annual Rate Program from the day following the relevant due date until the date of payment of the amount in full. The Credit-to- Cash Preferential Annual Rate Program may be terminated at the sole discretion of the Bank.
5. Upon approval of Credit-to-Cash Preferential Annual Rate Program, (a) Interest-free period will cease to be applicable to all outstanding balance and new spending under the Card Account. (b) The Bank is entitled to apply finance charge for purchase and/or cash advance on all outstanding balance and new spending (except your outstanding amount owed to us under Credit-to-Cash Preferential Annual Rate Program) as notified by the Bank from time to time for the respective Standard Chartered Credit Card.
6. The approved “Credit-to-Cash” amount cannot be used for the repayment of the credit card outstanding balance of Standard Chartered Credit Card or MANHATTAN Credit Card (“Card Outstanding Balance”). If the “Credit- to-Cash” amount is used to repay the Card Outstanding Balance, the Bank reserves the right to terminate the program offer and the “Credit-to-Cash” amount would be treated as Cash Advance. For the terms and conditions of Cash Advance, please refer to the terms of banking agreement or contact our branch staff for details.
7. If a Cardholder has arranged full payment instruction of Direct Debit Authorization, the Cardholder should re-arrange payment instructions by calling our Standard Chartered Customer Service Hotline at 2886 4111, otherwise, the full amount of the “New Balance” (including full amount of Credit-to-Cash) as set out on the respective monthly statement will be automatically settled on the respective Payment Due Date as usual.
8. Interest for the “Credit-to-Cash” amount will be charged at the promotional rate from the date when your application for this Program is approved till the end of the Preferential Interest Rate Period. The Prevailing Interest Rate for cash advance will be applied to the outstanding “Credit-to-Cash” amount thereafter. During the Preferential Interest Rate Period, notification on adjustment of Prevailing Interest Rate for cash advance may be sent to you from time to time and is for your reference only.

Notes

Important notes
1. The Bank has the absolute right to determine the approval of the loan and the final interest rate, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
2. Any increase of my credit limit in your client’s absolute discretion where the application is approved which shall also be subject to your the Bank’s sole decision. The new credit limit, if increased, will be the sum of the final approved loan amount and the current balance of the shared credit limit of all my client’s credit cards.
3. If client proceeds with the application, client agrees to receive all Terms and Conditions of this product in electronic format.
4. The Bank does not appoint any intermediaries, third parties charged or will be charged you any loan referral fees. By submitting the application, clients confirm that the application is not referred by third party under a beneficial arrangement.
Responsible lending reminder
1. To borrow or not to borrow? Borrow only if you can repay!
2. Smart Tips: You may access your repayment ability first to avoid any over-borrowing and have a clear understanding of your financial condition, daily expenses, and actual borrowing needs. Please repay the loan on time to avoid late payment charges and additional overdue interest.

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