Personal Information

DECLARATION AND SIGNATURE

1. I confirm that the information given above is true and complete in every material respect. I understand and acknowledge that if I provide any false or incorrect information hereunder, I may commit criminal offences in relation to deception and/or providing false information under the laws of Hong Kong. I authorize 3 Sing Trustee Limited (“3STL”) to contact any necessary party for verification or further information at any time, including but without limitation to conduct credit checks on my credit information with any credit reference agency. I acknowledge that the use of the Card is subject to the terms and conditions and the subsequent amendment of the 3 Sing Trustee Credit Card Cardholder Agreement, a copy of which is available upon request or will be sent to me together with my Card account information upon approval of this application. 3 Sing Trustee Limited reserves the right of approval for the issuance of the 3 Sing Trustee Credit Card without providing reason.
2. I confirm that no credit card under my/our name issued by any financial institutions has been cancelled due to default in payment. I also confirm that I do not have any overdue payment exceeding 30 days in respect of any of my indebtedness (including but not limited to credit cards, mortgages, personal loans and other financial arrangements). I further confirm that no bankruptcy order has ever been made against me and I am neither in the process of petitioning for bankruptcy nor have any intention to do so
3. I confirm that I have read and understood the Summary of the Major Terms and Conditions of 3 Sing Trustee Credit Card Cardholder Agreement and Personal Data (Privacy) Ordinance - Personal Information Collection (Customers) Statement which are attached in this application.
4. I understand that in the event of any default in payment, unless the amount in default is fully repaid before the expiry of 60 days from the date such default occurred, I shall be liable to have my account data retained by the credit reference agency for a period of up to 5 years after repayment in full.
5. I further understand that in the event this application is approved, I shall have the right to instruct 3 Sing Trustee Limited to request the relevant credit reference agency to delete all my account data in relation to the account upon termination thereof by full repayment provided that there is no default in payment for a period in excess of 60 days on the account within 5 years immediately before account termination.

SUMMARY OF MAJOR TERMS & CONDITIONS OF 3 SING TRUSTEE CREDIT CARD CARDHOLDER AGREEMENT

1. Safety of the Card and Secrecy of the PIN
   Upon receipt of the card, the cardholder must sign the card immediately. Cardholder should also keep the card secure and avoid disclosing the Personal Identification Number (PIN) to any other person. In case of card loss or a leak of PIN, cardholder should immediately notify 3STL. The cardholder shall be responsible and liable in full for all charges, losses, damages and / or expenses incurred arising out of the cardholder's failure to give such notification.
   Maximum Liability for Card Loss Provided that the cardholder has observed his obligation to notify the 3 Sing Trustee as soon as reasonably practicable after discovering the loss, theft or disclosure of the card and / or the PIN, and has not acted fraudulently or with gross negligence, the cardholder's maximum liability for losses incurred for any unauthorized transaction(s) before notifying the 3 Sing Trustee of such loss or theft or disclosure will be HKD500. However, the cardholder shall be held liable in full for all charges, losses, damages and / or expenses incurred if the cardholder has acted fraudulently or with gross negligence or fail to observe the obligation as aforesaid.
2. Payment
   By using the card, the principal cardholder shall deem to have accepted and agreed to pay the reasonable charges and handling fees incurred for any relevant service(s) including but not limited to i) finance charge for retail purchase; ii) finance charge and handling fee for cash advance; iii) late charge iv) excess credit limit fee; v) annual fee and replacement card fee; vi) returned cheque fee and vii) charge for over-the-counter payment. All fees and charges and payment details have been specified in the Schedule of Fees & Charges. Such fees and charges and payment details shall be subject to review and amendment at the 3 Sing Trustee's sole discretion and announced by the 3 Sing Trustee from time to time in any manner it deems fit.
3. Expenses of Enforcement
   Upon the termination of the Agreement for any reason whatsoever, the cancelled card must be surrendered to the 3 Sing Trustee and the whole amount outstanding owed to the 3 Sing Trustee and any outstanding card transactions incurred prior to such termination but not yet charged to the card account have to be settled immediately. In the event that the cardholder defaults in payment, becomes bankrupt, insolvent or dies, the cardholder or his estate shall be liable to settle such amount outstanding immediately and shall reimburse the 3 Sing Trustee's costs and expenses of recovery and enforcement, which are of a reasonable amount and reasonably incurred, including legal fees, collection agency handling fees and other expenses. The 3 Sing Trustee also reserves its right to impose a finance charge at its prevailing rate pending repayment in full by the cardholder.
4. Responsibility to Examine Statements
   The cardholder must notify the 3 Sing Trustee of unauthorized transaction(s) posted to the credit card account monthly statement within 60 days from the statement date, failing which, the statement shall be conclusive.
5. Cardholder's Liability.
   While the principal cardholder shall be liable for any / all liabilities and any / all amounts owed through usage of the card and for any / all supplementary card(s) to 3STL, the supplementary cardholder(s) shall only be liable for all liabilities and amounts attributable to his / her / their own use of his / her / their card.
6. Cardholder's Right of Card Termination.
   Whereas the 3 Sing Trustee may cancel cardholder's credit card account at any time, cardholder may also terminate the use of the card by a written notice to the 3 Sing Trustee accompanied by the return of the card(s) cut in halves.
7. 3 Sing Trustee's Amendments on the Agreement.
   The 3 Sing Trustee reserves the right to alter and amend the terms and conditions stipulated in this Agreement including but not limited to the applicable credit limit of the account, payment requirement, interest rates, services charges, annual fee and other fees from time to time with prior notice to the cardholder in any manner the 3 Sing Trustee deems appropriate, to be effective irrespective of whether the cardholder has actual notice or knowledge thereof.

The Personal Data (Privacy) Ordinance - Personal Information Collection (Customers) Statement

1. From time to time, it is necessary for customers to supply 3 Sing Trustee with data in connection with the opening or continuation of accounts and the establishment or continuation of any facilities and other financial services.
2. Failure to supply such data may result in being unable to open or continue accounts or establish or continue of such facilities or provide other financial services.
3. It is also the case that data are collected from customers in the ordinary course of the continuation of the financial relationship.
4. The purposes for which data relating to a customer may be used are as follows:
   (i) the daily operation of the services and credit facilities provided to customers; (ii) conducting credit checks at the time of application for credit and at the time of regular or special reviews which normally will take place one or more times each year; (iii) creating and maintaining the credit scoring models; (iv) assisting other financial institutions to conduct credit checks and collect debts; (v) ensuring ongoing credit worthiness of customers; (vi) designing financial services or related products for customers’ use; (vii) marketing services or products and / or selected companies; (viii) determining amounts owed to or by customers; (ix) collection of amounts outstanding from customers and those providing security for customers’ obligations; (x) meeting the requirements to make disclosure under the requirements of any law binding for the purposes of any guidelines issued by regulatory or other authorities with which the company is expected to comply; (xi) enabling an actual or proposed assignee of the company, or participant or sub-participant of the rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and (xii) purposes relating thereto.
5. Data held by 3 Sing Trustee relating to a customer will be kept confidential but the company may provide such information to the following parties for the purposes set out in paragraph
   (i) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to 3 Sing Trustee in connection with the operation of its business; (ii) any other person under a duty of confidentiality to 3 Sing Trustee including a group company of 3 Sing Trustee which has undertaken to keep such information confidential; (iii) the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer; (iv) credit reference agencies, and, in the event of default, to debt collection agencies; (v) any person whom 3 Sing Trustee is under an obligation to make disclosure under the requirements of any law binding on 3 Sing Trustee or any of its branches or under and for the purposes of any guidelines issued by regulatory or other authorities with which 3 Sing Trustee or any of its branches are expected to comply; (vi) any actual or proposed assignee of 3 Sing Trustee or participant or sub-participant or transferee of 3 Sing Trustee rights in respect of the customer; and (vii) selected companies for the purpose of informing customers of services which 3 Sing Trustee believes will be of interest to customers.
6. Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any individual has the right: -
   (i) to check whether 3 Sing Trustee holds data about him and of access to such data; (ii) to require 3 Sing Trustee to correct any data relating to him which is inaccurate; (iii) to ascertain 3 Sing Trustee’s policies and practices in relation to data and to be informed of the kind of personal data held by 3 Sing Trustee; (iv) 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 a data access and correction request to the relevant credit reference agency or debt collection agency; and (v) in relation to data which has been provided by 3 Sing Trustee to a credit reference agency, to instruct 3 Sing Trustee upon termination of an account by full repayment to make a request to the credit reference agency to delete such data from its database, as long as the instruction is given within 5 years of termination and at no time did the account have a default of payment lasting in excess of 60 days within 5 years immediately before account termination. In the event the account has had a default of payment lasting in excess of 60 days, the data may be retained by the credit reference agency until the expiry of 5 years from the date of final settlement of the amount in default or 5 years from the date of discharge from a bankruptcy as notified to 3 Sing Trustee, whichever is earlier.
7. 3 Sing Trustee may have obtained a credit report on the customer from a credit reference agency in considering any application for credit. In the event the customer wishes to access the credit report, 3 Sing Trustee will advise the contact details of the relevant credit reference agency.
8. Nothing in this Statement shall limit the rights of customers under the Personal Data (Privacy) Ordinance.