Fill and Sign the Hamilton County Verified Financial Declaration Form

First Year Annual Fee Waiver GLOBAL TRANSFER AMERICAN EXPRESS® GOLD CREDIT CARD APPLICATION FORM FOR OFFICE USE ONLY: PROD: 55Ø SC: XTØ Ø 1 ST: Ø Ø 1DOGØ Ø GN DEL: NORA Please complete the application in English and block letters and submit the FULL set of application. 3. YOUR OVERSEAS AMERICAN EXPRESS CARD 1. MEMBERSHIP REWARDS ENROLLMENT Account No. Country of Issuance : _____________ Existing Credit Limit : _________________ Please indicate your intention for your Overseas American Express Card Account : Retain : If you wish to retain your overseas American Express Card Account, your overall Credit Limit will be spilt between your two cards. Please specify your preference over how he credit limit is allocated (minimum to 10%) Old Card (overseas) : ______ % New Card : ______ % Give Up* : Your overseas American Express Card will be closed upon approval of your new Card. Any unused portion of the annual fee last billed to your overseas American Express Card will be credited to that Card Account. Your new Card annual fee will be billed with your first statement. Please check the appropriate box¹ . □ I would like to enroll my American Express Gold Credit Card account in the Membership Rewards Turbo program (2 points for every HK$1 spent). An annual program fee of HK$240 will be debited from my American Express Gold Credit Card Account. This option is available to HK$ Cardmember only. MM : BØ Ø BOTH □ I would like to enroll my American Express Gold Credit Card account in the Free Membership Rewards Basic program (1 point for every HK$1 spent). MM: RØ Ø REWD Do you want to transfer all existing Membership Reward points in your Overseas American Express Card Account to your new card ? Yes No ¹ If your option is not specified, you will be automatically enrolled in the Free Membership Rewards Basic Program. 4. BANK INFORMATION Bank Name : Bank Account No : 2. YOUR PERSONAL PARTICULARS Applicant must be a Hong Kong or Macau Resident/Citizen aged 18 or above. Name should be same as the one on your HKID Card. Mr. Ms. Family Name Date of Birth Company Name Given Name Name in Chinese 5. YOUR JOB HKID/Passport No. D M Y Please show my name on the Card as below (maximum 20 characters) Block Road/Street District/Area Block Floor Floor Building Nationality Home Flat/Rm Address Office Flat/Rm Address HK Business Tel. No. Years There Building Position Road/Street M Y KLN NT Self Employed Total Annual Income (HK$) Y 6. SUPPLEMENTARY CARD APPLICATION Please indicate your intention for your existing Supplementary Card(s). M Home Tel.2 2Applicant must Rent Own Property NT Mobile No. Transfer fill in the home telephone no. Live with Parents/ Relatives Mortgage Company Quarters Education Secondary Tertiary University or above By checking this box, if my application is approved*, I agree to receive marketing communications from American Express (“Amex”) via emails and agree to Amex using my above email address for marketing purposes in respect of services and products it offers. I further agree to Amex sharing my information with its merchants, co-brand partners and / or affinity groups for their email marketing purposes. I understand that Amex, its merchants, co-brand partners and / or affinity groups may from time to time, engage third parties to provide marketing services on their behalf, and may share my information with them for such purposes. I understand that it is not obligatory for me to allow my information to be used for these purposes, and that I may opt-out now by leaving this checkbox blank *In the event my application is not approved and I still wish to opt-out from receiving marketing from Amex, I agree to write to Amex at To: The Data Protection Officer, American Express International, Inc. (“Amex”), 18/F Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong and provide the following details: Customer Full Name; mailing address; phone contact, and/or email address , in order to opt-out.” Chinese Home English Office Family Name Given Name Name in Chinese Email Address Correspondence Language Preference Correspondence Address Cancel If you wish to apply for new Supplementary Card together with your application, please complete the supplementary details below and enclose HKID Card/Passport copy of Supplementary Cardmember. Supplementary Cardmember must be aged 18 or above. Name should be same as the one on your HKID Card. Mr. Ms. Date of Birth M Y Nationality HKID/Passport No. Contact No. D Relationship Please show my name on the Supplementary Card as below (maximum 20 characters) 7. YOUR SIGNATURE By signing below, I/we acknowledge that I/we have read and agree to the Declaration, the Important Information about The Card and other Terms and Conditions enclosed with this application form. Signature of Basic Card Applicant V 12_GT_GL_E_0812 Years There KLN HK District/Area Nature of Business Date Signature of Supplementary Card Applicant V Date Page 1 of 3 Applicant is required to fill in the following: Name of Basic Card Applicant : __________________________________ HKID/Passport No. : ___________________ 8. DOCUMENTS REQUIRED To expedite processing of your application, please attach and indicate in the boxes below copies of document enclosed. 3 HKID Card or Passport for both Basic & Supplementary Card applicants 4 Residential address proof within the latest 3 months, e.g. electricity bill or bank statement 3 4 All copies of documents will not be returned. We may request for further documentary support as we deem necessary in order to process your application. HKID copy: Please enlarge to 150% and choose a lighter colour mode. Important: The Basic and Supplementary Card Applicants must read this information and sign overleaf OPT-OUT REQUEST : MARKETING PROMOTIONS By checking this box, if my application is approved*, I wish to opt out and do not want to receive any marketing communications from American Express (“Amex”) via all marketing channels. I agree that this instruction overrides all my previous instructions to Amex on marketing, in respect of all my existing card relationships with Amex (if any). If I do not check this box and if my application is approved*, I agree to receive marketing communications from Amex via all marketing channels and agree to Amex using my information for marketing purposes in respect of services and products it offers. I further agree to Amex sharing my information with its merchants, co-brand partners and / or affinity groups for their marketing purposes. I understand that Amex, its merchants, co-brand partners and / or affinity groups may from time to time, engage third parties to provide marketing services on their behalf, and may share my information with them for such purposes. I understand that it is not obligatory for me to allow my information to be used for these purposes and that I may opt-out now by checking this box. * In the event my application is not approved and I still wish to opt-out from receiving marketing from Amex, I agree to write to Amex at The Data Protection Officer American Express International, Inc. (“Amex”), 18/F Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong and provide the following details: Customer Full Name; mailing address; phone contact, and/or email address , in order to opt-out.” IMPORTANT INFORMATION ABOUT THE CARD We would like to highlight some key terms and conditions you will be accepting when you keep or use the Card upon approval of your application. 1. You must sign the Card as soon as you receive it if you wish to keep and use it. 2. If you are the Basic Cardmember, you shall be liable for all charges incurred on any Card issued to you or any Supplementary Cardmember, If you are a Supplementary Cardmember, you shall be liable for all charges on any Supplementary Card issued to you. 3. We will send you periodic statements showing your outstanding balance and the minimum amount you need to pay and by when. If you do not tell us about problems with the statement within 60 days, then we will treat the statement as correct. 4. If we do not receive payment of the minimum payment due shown on the monthly statement by the Payment Due Date, the unpaid Minimum Amount Due will be subject to Late Payment charge of 5% of the Minimum Payment Due or HK$130, whichever is greater. The maximum Late Payment Charge in a Charge in a given month is HK$200. The Late Payment Charge will be debited to Card Account on the following Statement Date. 5. If your Card is lost or stolen we ask that you tell us immediately and, unless you have acted fraudulently or negligently, your maximum liability for unauthorized charges is HK$250. 6. If you breach any Cardmember Agreement, we may revise the Credit Limit available to you, or require you to pay the entire outstanding balance and / or suspend or cancel your Card account. 7. If your Card Account is cancelled by us or by you the entire outstanding balance on your Account becomes payable immediately. 8. You will be liable to pay any reasonable costs or legal fees that we incur in using third party collection agencies to recover overdue amounts on your Account. 9. We may change the Cardmember Agreement from time to time. We will assume you agree to the changes if you keep or use the Card after we have notify you of any changes. If you do not agree, you can cancel your Account but you must pay any amount owing on your Account. 10. For the full Cardmember Agreement, please refer to our website at www.americanexpress.com.hk. MEMBERSHIP REWARDS PROGRAM 1. Existing Cardmembers who have enrolled in the Membership Rewards Basic Program and would like to upgrade to the Membership Rewards Turbo program, American Express will charge an Upgrade Fee of HK$150 for transferring all existing accrued Membership Rewards points to the Membership Rewards Turbo program. The Turbo program fee of HK$240 will be charged to your Card Account from the second year onwards. If you choose to discontinue with the Membership Rewards Turbo program, you can enroll in the Membership Rewards Basic program (1 point for every HK$1 spent) and no fee will be charged. 2. A spending cap applies to the Membership Rewards Turbo Program, double points are applicable to the first HK$160,000 spent for each program year. From HK$160,001 and onwards, each HK$1 will entitle you to 1 point. Point accrual is subject to the American Express Membership Rewards Terms and Conditions. 3. 15 points can be converted to 1 air mile. An administration fee will be applied to each air mile conversion: 120,000 points or below costs HK$100; 120,001 points to 180,000 points costs HK$150; 180,001 points or above costs HK$200. 12_GT_GL_E_0812 Please Note: • The annual fee for the American Express Gold Credit Card is HK$600 and each Supplementary Card is HK$300. • Existing American Express Credit Cardmembers and applicants who have held any kind of American Express Gold Card/Credit Card within the past 12 months of this application are not eligible for the first year fee waiver and welcome offer. • The interest rate for retail purchases is 28%. (APR of 31.89% on retail purchase) and the interest rate for cash advance is 28% (APR of 34.04% on cash advance). • American Express International, Inc reserves the right to change the offer Terms and Conditions and terminate this program without prior note. Page 2 of 3 Applicant is required to fill in the following: Name of Basic Card Applicant : __________________________________ HKID/Passport No. : ___________________ DECLARATION "Amex" means American Express International Inc., its affiliates and representatives worldwide. I/We understand that the information I/we provide is necessary for Amex to decide whether to approve my/our application and that Amex may refuse or decline this application at its discretion without disclosing any reasons. Failure to provide information may prevent processing of this application. I/We understand that if I/we give any incorrect or false information, I/we may commit criminal offences under the laws of Hong Kong related to deception and providing false information. I/We acknowledge and agree that any information provided by me/us in this application or otherwise at Amex’s request, or collected during the operation of my/our account(s) may be disclosed to, or used and retained by: (i)Amex and any third party or agent engaged by Amex to provide services to Amex in the normal course of its business, for operational or other servicing requirements, subject to obligations of confidentiality and data security; and (ii)any debt collection agencies or institutions, credit reference agencies ("CRAs") or similar service providers, for the purposes of performing credit and other status assessments on my/our account, verifying information or enabling them to provide such information to other institutions: (a) in order that such other institutions may carry out credit and other status checks (whether in relation to the provision of credit or other services by Amex or by such institutions); and (b) to assist them to collect debts. I/We understand that Amex would like to use information about me/us and my/our account(s) for marketing purposes in respect of services and products it offers, and may also disclose such information to Amex merchants, co-brand partners and/or affinity groups for their marketing purposes. I/We understand that Amex, its merchants, co-brand partners and/or affinity groups may from time to time, engage third parties to provide marketing services on their behalf, and it is not obligatory for me/us to allow my/our information to be used for these purposes. I/We understand that I/we have been given the right to opt-out from receiving marketing promotions of the goods and services of Amex, its merchants, co-brand partners and/or affinity groups in this form and can choose the appropriate option in the relevant checkboxes†. I/ We authorize Amex to compare information provided by me/us with other information collected about me/us for checking purposes or to produce more data. Amex may use the results of such comparisons for the purposes of taking any action including actions which may be adverse to my/our interests, for example denying authorization for use of the Card or canceling the Card. If I/we have agreed above that my/our information may be used for marketing purposes, I/we also agree that Amex and its aforesaid merchants, co-brand partners or affinity groups may carry out "matching procedures" (as such expression is defined in the Personal Data (Privacy) Ordinance) in Hong Kong or overseas in respect of all or any of such purposes. I/We authorize Amex to contact any persons and/or CRAs (including without limitation my employer) from time to time as Amex considers necessary or appropriate and to provide, obtain or verify such information about me/us or my/our financial condition as Amex may deem necessary or desirable for the purposes of opening, operating or managing my/our account(s) with Amex. I/We understand that I/we have the right, upon request, to be informed of the data disclosed and to obtain details necessary to access/correct those data. I/We may contact Amex's Data Protection Officer* to have access to and request correction of my/our personal data held by Amex. In accordance with the terms of the Personal Data (Privacy) Ordinance, Amex has the right to charge a reasonable fee for the processing of any data access or correction request. I/We acknowledge that we have received a copy of Amex’s Notice to Customers relating to the Personal Data (Privacy) Ordinance (“Notice”) and agree that this application and the Notice govern how Amex handles personal information and will apply to Amex’s use of my/our own personal information unless I/we have requested that my/our personal information is not used for certain purposes as specified above. A copy of Amex’s Cardmember Agreement will be sent with the Card(s) when issued and, together with this application, will govern my/our use of the Card(s). I/We agree that Amex may check consumer credit data about me/us or my/our guarantor(s) held by TransUnion Limited# or any other credit reference agency as applicable for the purpose of considering whether to grant me/us credit and/or reviews or renewals of existing credit facilities to me/us. The matters Amex will be considering if accessing these consumer credit data for the purpose of reviews include an increase in the credit amount, cancellation of credit or a decrease in the amount of credit available or putting in place a scheme of arrangement with me/us and/or my/our guarantor(s). I/We also agree that Amex may access such consumer credit data about me/us and/or my/our guarantor(s) for the purpose of reasonable monitoring of my/our indebtedness whilst I/we and/or my/our guarantor(s) are in default. My Privacy: I understand that I may request Amex’s Data Protection Officer to let me know what data have been disclosed to any CRAs and/or debt collection agencies and provide me with further information to enable me to make an access and/or correction request if necessary. If any of my accounts is overdue 60 days from the date the default occurs and I do not make full repayment by then, my account data supplied by Amex to the CRA will be retained by the CRA for a period of up to 5 years after full repayment. Upon termination of my account by full repayment and on condition that the account has not been overdue for more than 60 days within 5 years immediately before account termination, I understand that I may instruct Amex to request the CRA to delete from its database any data about the terminated account. # For enquiries, you may contact TransUnion Limited at 2577 1816. † I understand that if I do not want my information to be used for the marketing purposes set out above, I must do one of the following: (i) select the appropriate option in the checkboxes; or (ii) write to Amex to opt-out with my relevant details. If I do not do so, I understand that I am agreeing that Amex may use my information for the marketing purposes set out above. * The Data Protection Officer, 18/F Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong American Express International, Inc. (Incorporated with Limited Liability in U.S.A.) 18/F., Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong Page 3 of 3 12_GT_GL_E_0812 Important Note: Please also refer to the attached Notice of Changes to Cardmember Agreement/ Fee Schedule for information on the recent changes to our terms and conditions. August 2012 Notice to Cardmember Regarding Changes to Cardmember Agreement With effect from November 1, 2012, the following key changes will be made to the Cardmember Agreement for the American Express® Platinum Credit Card, American Express Cathay Pacific Elite Credit Card, American Express Cathay Pacific Credit Card, American Express Gold Credit Card, American Express Credit Card and American Express Cheung Kong Card. To view the full Cardmember Agreement, please refer to americanexpress.com.hk/creditcard or your Welcome Pack. A new clause 2(5) on USE OF THE CARD has been added: “(5) You must only use the Card for genuine purchases of goods or services and not for any illegal or improper purposes, as may be determined by us in our discretion. This means, by way of example only and without limitation, that you cannot use the Card to purchase anything from a merchant that you or any third party related to you has any ownership interest in for cash flow purposes, or to conduct any illegal gambling transactions. If we believe that any illegal or improper use has occurred, we have the right to refuse the request for authorization of the Charge.” We have revised clause 6 on FEES AND FINANCE CHARGES and replaced it with the following: “(1) The Card Fees and Charges Schedule accompanying these Conditions show all the fees and Annual Finance Charge Rates applicable to your Card. We may change the fees and Finance Charge Rates by giving you up to 60 days’ prior notice, in accordance with the applicable laws. (2) The annual fee is payable in respect of the benefits and privileges (excluding any credit facility) offered to you in connection with your Card. (3) Finance Charges are not payable on Charges, other than Express Cash and Balance Transfers, if you pay the outstanding balance in full by the Payment due date each month. (4) If you do not make payment in accordance with clause 6(3) above, Finance Charges will be charged on (i) the unpaid balance from the date of the previous statement on a daily basis until payment in full; and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full. (5) Finance Charges are calculated by multiplying: (i) the daily balance of Charges (including new Charges) on which Finance Charges are payable; by (ii) the daily percentage Finance Charge rate,to get the daily Finance Charge amount, and then adding up the daily Finance Charge amounts for the applicable statement period. (6) Finance Charges are debited to your Credit Card Account on the last date of each statement period and are shown on your statement. (7) Express Cash will be subject to a handling fee. In addition, Finance Charges at the prevailing Annual Finance Charge Rate for your Account will be charged on a daily basis on your Express Cash outstanding balance from the date of the advance until you repay it to your account in full.” We have revised clause 7 on MINIMUM PAYMENT and replaced it with the following: “You must pay the Minimum Payment shown in each monthly statement by the due date shown on that statement. The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$180,plus any overdue minimum payments and any amount exceeding your credit limit. You can also pay us anything up to your outstanding balance at any time.” We have revised clause 9 on PAYMENTS and replaced it with the following: “(1) You must pay us in the currency in which we bill you. When applying your Minimum Payments, you agree that we may apply it in whichever order we determine in our discretion. For payments in excess of your Minimum Payment, we apply it first to the balance with the highest Finance Charge, and then to balances with lower Finance Charges in descending order.” We have revised clause 16 on RENEWAL / REPLACEMENT CARDS and replaced it with the following: “(1) We shall issue you with a renewal Card when the current Card expires. You agree to pay the annual Card fee (if any) when we bill you, unless you notify us within 30 days of the billing date that you wish to cancel the Card. (2) We reserve the right to replace the Card in the event the Card as a product line is discontinued for any reason whatsoever with another card issued by us at our discretion.” We have revised clause 18 on PRIVACY ORDINANCE NOTICE AND CONSENT and replaced it with the following: “(1) In this section, "Amex" means American Express International, Inc., its affiliates and representatives worldwide. (2) You agree that the terms in the application form, these Conditions and any other document we may issue from time to time (including but not limited to Amex’s Notice to Customers relating to the Personal Data (Privacy) Ordinance) governs how Amex handles personal information and will apply to Amex’s use of your personal information unless you request otherwise for certain purposes specified below. (3) Without prejudice to paragraph (2) above, you agree that any information provided by you in the application form, at our request or otherwise collected during the operation of your Account may be disclosed to, or used and retained by: (i) Amex and any service provider engaged by Amex in its normal course of business for the purpose of operating, managing and/or performing credit assessments on any of your various Accounts, subject to obligations of confidentiality and data security; (ii) any other institution or any debt collection agency, credit reference agency or similar service provider for the purpose of verifying such information or enabling it to provide such information to other institutions: (a) in order that such other institutions may carry out credit and other status checks (whether in relation to the provision of credit or other services by Amex or by such institutions); and (b) to assist them to collect debts; and (iii) any third party whose name appears on the Card. For the avoidance of doubt, we may use your personal information from your different Accounts to create a single Cardmember profile for you, in relation to the above purposes. (4) If you are an American Express Cathay Pacific Elite Credit Cardmember, an American Express Cathay Pacific Credit Cardmember, or an American Express Cheung Kong Cardmember, we would like to disclose information about your account to Cathay Pacific Airways Limited or Cheung Kong Marketing Services Limited, its parent company's subsidiaries and other associated companies for the purposes of supplying you with information and updates about their services and products from time to time. Amex would also like to use information about you and your Account for marketing purposes and to exchange information with Amex merchants, other co-brand partners and/or affinity groups for their marketing purposes (“Third Parties”). Amex and Third Parties may from time to time engage other parties to provide marketing services on their behalf. It is not obligatory for you to allow your information to be used for these purposes and you were given an opportunity to opt-out from such use in the application form. You may also change your mind at any time by writing to us and providing your details. If you had agreed that your information may be used for marketing purposes but change your mind, you can submit your opt-out request to us at any time. By doing so, you agree that we may share your opt-out request with the above-mentioned parties in order to effect your request. Please also allow a reasonable period of time for your opt-out request to become effective. (5) You authorize us to compare information provided by you with other information collected about you for checking purposes or to produce more data. We may use the results of such comparisons for the purposes of taking any action including actions which may be adverse to your interests, such as denying authorization for use of the Card or cancelling the Card. (6) You are entitled at any time to request access to information held by us about you or your Account and to update and correct such information. We may impose a modest charge to cover the costs of complying with such requests. Requests should be made in writing to Data Protection Officer, 18/F, Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong. Upon your request, our Data Protection Officer can also let you know what data have been disclosed to any credit bureau and/or debt collection agency and provide further information to enable you make an access and correction request to them if necessary.” HK340511B 08/12 GRCC _E We have revised clause 20 on RECURRING PAYMENTS and replaced it with the following: “If you use the Card to buy goods or services requiring regular or installment payments under any installment plan offered by us (which is governed by a separate agreement), such as insurance premiums, you give us permission to make payments to the Merchant for you when due (“Recurring Payments”). It is your responsibility to inform Merchants of any changes to your Card (such as Card number and expiry date) or Account used for Recurring Payments, and you should do so promptly to avoid any disruption of Recurring Payments and the provision of goods or services by the Merchant. You authorize us to continue the Recurring Payments and agree to be responsible for all Recurring Payments (including but not limited to those charged to a Card that has been replaced) until the Merchant stops charging the Recurring Payments to your Card or your Card Account is cancelled. If your Card Account is cancelled because you transfer to a different Card type, we may continue to process your Recurring Payments for a period of 60 days after cancellation. We are not liable for any loss, expenses, delays, neglect or omission in the processing of your Recurring Payments or for any unsuccessful payment.” Notice to Cardmember Regarding Changes to Fees and Charges Schedule In response to recent market conditions, with effect from November 1, 2012 (“effective date”), the following changes will be made to the Fees and Charges Schedule “Schedule” for the American Express® Platinum Credit Card, American Express Cathay Pacific Elite Credit Card, American Express Cathay Pacific Credit Card, American Express Gold Credit Card, American Express Credit Card and American Express Cheung Kong Card: a) Monthly Finance Charge Rate: Current Annual Finance Charge Rate (“standard rate”) From effective date Monthly Finance Charge Rate1 American Express Cathay Pacific Elite Credit Card and American Express Cathay Pacific Credit Card: - Retail Purchase 26% (minimum HK$10) - Express Cash 28% (minimum HK$10) Retail Purchase 2.5% (minimum HK$10) Express Cash 2.5% (minimum HK$10) (together, the "Standard Rate") American Express Platinum Credit Card, American Express Gold Credit Card, American Express Credit Card and American Express Cheung Kong Card: - Retail Purchase 28% (minimum HK$10) - Express Cash 28% (minimum HK$10) 1 The equivalent Annualized Percentage Rate ("APR") calculated in accordance with the Net Present Value method in the Code of Banking Practice (“NPV Method”) is 34.49% for Retail Purchases and 36.62% for Express Cash (also known as cash advance), and is for your ease of reference only. Notes: (i) There are 3 tiers of Monthly Finance Charge Rates for your Account. (ii) We will review your Account on a monthly basis for the preceding 12 months up to the current statement date, to determine the Monthly Finance Charge Rate applicable to your Account. - If you have no more than one missed payment during the preceding 12 month period, the Standard Rate will continue to apply to your Account - If you have two missed payments during the preceding 12 month period, the Standard Rate will be increased by 0.33%. The equivalent APR will be 39.83%2 for Retail Purchases and 42.04%2 for Express Cash. - If you have three or more missed payments or any missed payment which remains unpaid for two or more consecutive months during the preceding 12 month period, the Standard Rate will be increased by 0.5%. The equivalent APR will be 42.58% 2 for Retail Purchases and 44.83%2 for Express Cash. (iii) We will give you prior notice of any increase in the Monthly Finance Charge Rate applicable to your Account, as required by the applicable laws. If you do not agree to the increase, you must notify us and cancel the Card before the effective date of the rate increase. (iv) If you have been on a rate higher than the Standard Rate for a 12 month period, at the end of that period you may qualify for a lower rate depending on what missed payments you have had over those 12 months and other review criteria. We will notify you accordingly of any such change. (v) Please make sure that you make your minimum monthly payments on time because your account payment history will be considered in determining whether the higher rates above apply to your account. You will be considered to have a missed payment if you did not pay the minimum monthly payment by the payment due date. (vi) American Express may from time to time vary the above fees and charges. Such variations will be notified to Cardmembers and become effective in accordance with the relevant terms and conditions. 2 This APR has been calculated in accordance with the NPV Method, and is for your ease of reference only. The American Express Gold Credit Card with Standard Rate at 14%, 17% and 26% will not be affected with the changes stated in (a). b) Express Cash Handling Fee: Current 2.9% of the amount withdrawn(minimum HK$75) From effective date 3.5% of the amount withdrawn(minimum HK$100) Note: Applicable to Express Cash enrollees only. c) Late Payment Charges: Current 5% of the minimum payment due (minimum HK$130 and maximum HK$200) From effective date 5% of the minimum payment due (minimum HK$180 and maximum HK$250) d) Dishonored Cheque/ Autopay Fee: It is also known as “Returned Payment Fee”. HK340511B 08/12 GRCC _E (The English version of this Notice shall prevail whenever there is a discrepancy between the English and the Chinese versions)