Credit Card Cash-in Installment Program

Remarks

1. The calculation of the HK$13 monthly administration fee is based on an approved amount of HK$10,000, a personalized monthly administration fee charged at 0.13% and a 12-month repayment period. The Annualized Percentage Rate (APR) of the above approved amount at 0.13% personalized monthly administration fee charged is 2.91%. The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate and the respective APRs are rounded to the nearest two decimal. The personalized monthly administration fee is applicable to selected customers and is for reference only. China CITIC Bank International Limited reserves the right at its sole discretion on determining the monthly administration fee from time to time for individual promotion. Please call Credit Card Customer Service Hotline 2280 1288 to check for the personalized monthly administration fee. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.

2. Should the Cardmember fail to make full payment of the statement balance specified in the relevant monthly statement of the credit card account on or before the payment due date, interest shall accrue on the outstanding balance of the credit card account (including the monthly installment stated therein) and applicable charges and fees will be levied pursuant to the relevant Cardmember Agreement.

3. Installment period of 12 months, 24 months, 36 months, 48 months and 60 months are available for selection.

Reminder: Cardmember needs to be aware that early settlement handling fee of HK$200 and all monthly administration fees payable over the remainder of the installment period but not yet charged to the Account and any interest (if applicable) are involved in early settlement of Credit Card “Cash-in Installment Program”. Please check with the Bank about the total repayment amount and consider the handling fee involved before making a decision of repaying early or not.