citi supplementary card application form · 2019-10-31 ·...

手提電話號碼Mobile No.

Citi附屬卡申請表 Citi Supplementary Card Application Form

附屬卡申請人資料 SUPPLEMENTARY CARD APPLICANT DETAILS

香港身份證/護照上之姓名 Name shown on HKID Card/Passport

出生日期 Date of Birth

國籍Nationality

與基本卡持卡人之關係Relationship with Principal Cardholder

先生Mr (01) 小姐Miss (02) 太太Mrs (04) 女士Ms (05)

住宅電話號碼Home No.

公司電話號碼Office No.

附屬卡信貸限額將預設為相等於基本卡持卡人/會員的「客戶信貸限額」，即適用於基本卡持卡人/會員持有的所有Citi信用卡的綜合信用限額。如欲更改附屬卡信貸限額，請致電Citibank電話理財服務2860 0333。The default Supplementary Card Credit Limit is equal to the Principal Cardholder's/Cardmember's Customer Credit Limit, which is the combined credit limit assigned to the Principal Cardholder/Cardmember across all his/her Citi Credit Cards. If the Principal Cardholder/Cardmember would like to adjust the Supplementary Card Credit Limit, please call our CitiPhone Banking at 2860 0333.

請注意：附屬卡將郵寄至基本卡持卡人/會員之通訊地址；附屬卡持卡人/會員一切簽賬及現金透支均會顯示於基本卡持卡人/會員之月結單內。Please note: The Supplementary Card will be sent to the Principal Cardholder's/Cardmember's correspondence address and the transactions of the Supplementary Card will be incorporated into the statement of the Principal Cardholder/Cardmember.

如附屬卡申請人之現居住址或永久住址與基本卡持卡人/會員不同，請提供附有附屬卡申請人姓名之現居住址或永久住址證明。If the residential address or permanent residential address of Supplementary Card Applicant is different from that of the Principal Cardholder/Cardmember, please provide the residential address or permanent residential address proof showing the name of Supplementary Card Applicant.

/ /月Month 日Day 年Year

SC: CBOL12 / CBOL13

基本卡持卡人/會員姓名 Name of Principal Cardholder/Cardmember

基本卡號碼 Principal Card No.

基本卡持卡人/會員香港身份證/護照號碼 Principal Cardholder/Cardmember HKID Card/Passport No.

日間聯絡電話 Day Time Contact No.

Citi附屬卡申請人必須為十六歲或以上。如附屬卡申請人為18歲以下人士，主卡申請人須為其父母或監護人。Citi Supplementary Card Applicant must be aged 16 or above. If the Supplementary Card Applicant is aged below 18, the Principal Card Applicant must be his/her parent or guardian.

請以英文正階填寫，在適當方格內加上「✓」號並簽署。Please complete all details in BLOCK LETTERS, tick and sign where appropriate.

致：花旗銀行(香港)有限公司(花旗銀行/貴行)To : Citibank (Hong Kong) Limited (Citibank/the Bank)

每位Citi Rewards銀聯附屬卡及Citi八達通附屬卡之申請人必須持有有效香港身份證。Each applicant for the Citi Rewards UnionPay Supplementary Card and Citi Octopus Supplementary Card must hold a valid HKID Card.

P.1

香港身份證HKID Card

1119

只適用於非香港永久居民其他身份証明號碼簽發國家Only applicable for non HK permanent resident Other Identity Document No. Country of Issuance

請附上香港身份證/護照副本。亦請附上額外由政府發出附有照片的身份證明文件副本(例如護照或港澳居民來往內地通行證(回鄉證)，此額外身份證明文件不適用於附屬卡申請人為現有客戶或親身前往本行分行遞交申請。Please enclose a copy of the HKID Card/Passport. Please also enclose copy of additional government issued identification document with photo (e.g. passport or Mainland Travel Permit for Hong Kong and Macau Residents (Home Return Permit) etc.) This additional identification document is not required if supplementary card applicant is existing customer or submits the application in person to any Citi branches.

如申請人並非持有香港永久居民身份證，請遞交香港身份證及附有申請人姓名、護照號碼及國籍之護照副本。For applicants who are not holders of a permanent HKID Card, please provide copies of the HKID Card and passport showing the name, passport number and nationality of the applicant.)

(恕不接受與其他花旗銀行客戶登記同一個流動電話號碼。Registration of the same mobile number as another Citibank customer is not accepted.)

重要政治及公職人物宣言 Senior Public Figure Declaration

P.2

本人或本人之直系親屬為重要政治及公職人物 (現在/曾經任職於本地或海外政府機構，包括司法機構/軍隊/領事館等) 。I or my immediate family member currently hold/have held a position as a senior public figure (individual who is working/has worked in any local or foreign government including judiciary/armed forces/embassies etc.).

姓名國家Last Name First Name The Country of Government

部門職位與客戶之關係 (如適用)Department Position Relationship with customer (if applicable)

本人或本人之直系親屬並非重要政治及公職人物。I or my immediate family member currently do not hold /have not held any position as a senior public figure.

選擇拒絕在安排八達通自動增值服務及申請成為八達通日日賞會員中使用個人資料Opt-out from Use of Personal Data in Setting Up Octopus Automatic Add Value Service and Enrolling for the Membership of the Octopus Rewards Programme(只適用於Citi附屬卡申請人 Only Applicable to Citi Supplementary Card Applicant)

就Citi八達通白金卡而言：本人不同意花旗銀行將本人之姓名、性別、出生日期、香港身份證號碼/護照號碼及聯絡資料遞交予八達通卡有限公司作安排及操作八達通自動增值服務之用途。本人亦不同意花旗銀行將本人之姓名、聯絡資料、性別及通訊語言選擇遞交予八達通獎賞有限公司作申請及操作八

達通日日賞計劃之用途。(八達通日日賞計劃條款及細則所列之直接促銷推廣用途並不適用於此申請表所收集的個人資料。八達通獎賞有限公司將不會使用於此申請表所收集的個人資料傳遞有關直接促銷的資料。請參閱八達通日日賞計劃條款及細則了解八達通日日賞計劃使用你個人資料的其他用途。)For Citi Octopus Platinum Card: I do not agree Citibank to submit my name, gender, date of birth, HKID Card no./passport no. and contact information to Octopus Cards Limited for the purpose of setting up and operation of the Octopus Automatic Add Value Service (“AAVS”). I also do not agree that my name, contact information, gender and preferred contact language will be sent to Octopus Rewards Limited for the purpose of processing the member-ship registration and operation of the Octopus Rewards Programme.(The direct marketing purpose under the Terms and Conditions for Octopus Rewards Programme is not applicable to the personal data collected herein. Octopus Rewards Limited will NOT use the personal data provided herein in sending direct marketing materials. Please refer to the Terms and Conditions for Octopus Rewards Programme for other purposes of use of personal data under the Octopus Rewards Programme.)

(本人明白如選擇以下安排，花旗銀行將不能繼續本人之申請。I understand that Citibank will not be able to process my application if I

choose opt-out below.)

選擇拒絕在直接促銷中使用個人資料 Opt-out from Use of Personal Data in Direct Marketing(只適用於Citi附屬卡申請人 Only Applicable to Citi Supplementary Card Applicant)

如本人不希望花旗銀行在直接促銷中使用本人的個人資料，本人必須在此方格內加上剔號(“”)。I should check (“”) this box if I do not wish Citibank to use my personal data in direct marketing.

本人明白將不會以電郵、手機訊息、信函或電話方式接收任何優惠通知及與Citi信用卡推廣優惠有關之直接促銷資訊，包括但不限於：• 任何旅遊、餐飲、購物及所有其他信用卡零售優惠• Citi ThankYou Rewards優惠• Citi環球禮遇I understand that I will not be able to receive any promotional notifications or direct marketing in the form of e-mail, mobile message, direct-mailer orphone call for Citi Credit Card promotions, including but not limited to:• Travel, dining, shopping and all other credit card privileges• Citi ThankYou Rewards promotions• Citi World Privileges

花旗銀行可能將本人的個人資料提供予其他人士，以供該等人士在直接促銷中使用，不論該等人士是否花旗銀行集團成員。如本人不希望花旗銀行將本人的個人資料提供予任何其他人士，以供該等人士在直接促銷中使用，不論花旗銀行會否獲得金錢或其他財產的回報，本人須在此方格內加上剔號(“”)。Citibank may provide my personal data to other persons for their use in direct marketing, whether or not such persons are members of the Citibank's group. I should check (“”) this box , if I do not wish Citibank to provide my personal data to any other persons for their use in direct marketing, whether or not in return for money or other property.

除非此申請被本人或花旗銀行中止、撤回或拒絕，以上本人的直接促銷選擇為本申請的一部份並將一併處理。如本人為花旗銀行之現有客戶，在以上的直接促銷選擇獲成功處理前，本人於花旗銀行現有的直接促銷選擇會繼續適用。以上的直接促銷選擇一經處理，本人於花旗銀行現有的直接促銷選擇會被取代。如本人於任何時候希望撤回本人同意花旗銀行在直接促銷中使用本人的個人資料的選擇，本人明白及知悉可透過致電電話理財服務熱線(852) 2860 0399處理。My above direct marketing option will be processed together and as part of this application, unless this application is aborted, withdrawn or rejected by me or Citibank. If I am an existing customer of Citibank, my existing direct marketing option in Citibank’s records will continue to apply until my above direct marketing option has been processed successfully. Once processed, my above direct marketing option will replace my existing direct marketing option in Citibank’s records. I understand and acknowledge that I could contact CitiPhone Banking at (852) 2860 0399 if I wish to opt out of the use of my personal data in direct marketing at anytime.

本人以上的選擇適用於就花旗銀行關於個人資料（”私隱條例”）的政策指引中所列出的產品、服務及/或標的類別的直接促銷。本人亦可參閱該通知以得知在直接促銷中可使用的個人資料的種類，以及本人的個人資料可提供予什麽類別的人士以供該等人士在直接促銷中使用。My above choice applies to the direct marketing of the classes of products, services and/or subjects as set out in Citibank's Policy Statement relating to the Personal Data (Privacy) Ordinance. I should also refer to the Policy Statement on the kinds of personal data which may be used in direct marketing and the classes of persons to which my personal data may be provided for them to use in direct marketing.

P.3

基本卡持卡人/會員簽署 Signature of Principal Cardholder/Cardmember 日期 Date

日期 Date附屬卡申請人簽署 Signature of Supplementary Card Applicant

P I CI NO AO DD公司專用 For Company Use Only

客戶聲明 CUSTOMER DECLARATION

請注意：本表格及任何呈交之文件將不獲退還。Please note that this form and any document submitted will not be returned.

本人確認此次申請並非由第三方轉介。I confirm that this application is not referred by a third party.本人/吾等獲發之Citi信用卡將附有相關Citi信用卡合約/八達通卡有限公司發行之八達通自動增值協議/八達通獎賞有限公司發行之八達通日日賞計劃條款及細則，以適用者為準(每份簡稱「合約」)，該合約亦會在要求索取時提供，而八達通卡有限公司及/或八達通獎賞有限公司發行的有關合約可以從八達通網站www.octopus.com.hk參考。The issue of any Citi Credit Card to me/us will be accompanied by the relevant Citi Credit Card Agreement/the Conditions of Issue of Octopus Automatic Add Value Agreement issued by Octopus Cards Limited (“OCL”)/the Terms and Conditions for Octopus Rewards Programme issued by Octopus Rewards Limited (“ORL”), whichever is applicable (each an “Agreement”, as amended from time to time), copies of which are also available upon request and the Agreements provided by OCL and/or ORL can be obtained from the Octopus website, www.octopus.com.hk.本人/吾等可不時向花旗銀行申請其他Citi信用卡，而花旗銀行可向本人/吾等發出申請的卡種而毋須本人/吾等書面確定同意有關合約。I/We may from time to time apply for further Citi Credit Cards from Citibank and Citibank may issue the same to me/us without a written acknowledgement of the relevant Agreement(s).本人/吾等同意合約上、關於《個人資料(私隱)條例》(「私隱條例」)的政策指引及此申請表格之條款將構成本人/吾等與花旗銀行就申請及使用該Citi信用卡之協議。I/We agree that all Terms and Conditions of the Agreements, the Policy Statement relating to the Personal Data (Privacy) Ordinance (“Policy Statement”) and this form will constitute my/our agreement with Citibank for the application and the use of such Citi Credit Card.就Citi八達通白金卡而言：如閣下不希望花旗銀行將閣下之個人資料提供予八達通卡有限公司/八達通獎賞有限公司，請於「選擇拒絕在安排八達通自動增值服務及申請成為八達通日日賞會員中使用個人資料」部份作出選擇。If you do not wish Citibank to provide your personal data to Octopus Cards Limited/Octopus Rewards Limited regarding Citi Octopus Platinum Card, please indicate your preference in the section of “Opt-out from Use of Personal Data in Setting Up Octopus Automatic Add Value Service and Enrolling for the Membership of the Octopus Rewards Programme”.

本人/吾等確認已收取合約包括但不限於個別產品之合約，八達通卡有限公司發行之八達通發卡條款及八達通自動增值協議/八達通獎賞有限公司發行之八達通日日賞計劃條款及細則(如適用)，花旗銀行信用卡資料概要及服務收費表及關於《個人資料(私隱)條例》的政策指引。I/We confirm that I/we have received agreements, including but without limitation, agreement of individual product(s), the Conditions of Issue of Octopus and Octopus Automatic Add Value Agreement issued by OCL/the Terms and Conditions for Octopus Rewards Programme issued by ORL (if applicable), Citi Credit Card Key Facts Statement And Fees Schedule, and the Policy Statement relating to the Personal Data (Privacy) Ordinance.

為防止洗黑錢及恐怖分子籌資活動、相關司法管轄區的法律及貴行的政策，本人/吾等明白貴行須要求本人/吾等提供資料以識別申請信用卡之本人/吾等的身分。貴行亦須核實及記錄該等資料。當本人/吾申請信用卡時，貴行須獲取本人/吾等之姓名、地址、出生日期及其他資料以協助貴行識別本人/吾等的身分。貴行亦須查證本人/吾等備有相片的身分證明文件或其他證明文件並保留副本。To help prevent money laundering and terrorist financing, the laws of many jurisdictions, as well as Bank’s policy, I/we understand that you will require me/us to provide information that identifies me/us who apply for a credit card with Citibank and that such information will be verified and recorded. When I/we apply for a credit card, you will ask for my/our name, address, date of birth, and other information that will allow you to identify me/us. You will also ask to see and retain a copy of my/our photo ID or other identifying documents.本人/吾等證明本表格內所提供之資料全屬真確及詳盡，並明白花旗銀行只會於成功核對本人/吾等身份後更新個人資料(如適用)。資料經核實並更新之後，本行將以我提供的資料作日後聯絡及通知我有關本行產品和服務，包括但不限於選擇收取電子月結單及其他宣傳/推廣資訊。但是資料未能核實或信用卡未能成功批核，銀行將不會更新本人/吾等的個人資料，並繼續使用原有的資料作日後聯絡。如以上資料日後有任何更改，本人/吾等均會立即通知花旗銀行。本人/吾等同意授權花旗銀行向任何有關方面核實上述填報之資料或與有關方面交換資料。本人/吾等明白開戶及/或由花旗銀行提供之任何服務需經花旗銀行內部審批，並取決於本人/吾等接受申請表上有關之條款及細則。I/WE warrant that all the information provided in this form is correct and complete. I/WE understand that Citibank will only update any change to my existing records (if applicable) after successful identity verification. I/WE accept after successful verification, Citibank will contact me for information about my use of Citibank services and product & services alerts including but not limited to receiving e-statements (on subscription) and other promotional/ marketing materials. However, in the event of unsuccessful verification or card application, I/we understand that the bank will not update its records and will continue to use my existing record to contact me. I/WE will update Citibank immediately on any subsequent changes to the above information. I/WE authorize Citibank to verify the information provided in respect of this form from and/or exchange it with any source. I/WE also understand that account opening and/or the provision of any service by Citibank is subject to Citibank’s internal approval, and is subject to my full acceptance of the relevant Terms and Conditions, agreements and declarations in respect of this form.本人/吾等保證(i)本人/吾等並沒破產；(ii)沒有就本人/吾等之破產呈請；(iii)本人/吾等並非償債無能者。I/We warrant that (i) I am/we are not bankrupt; (ii) no petition for bankruptcy is presented against me/us; (iii) I am/we are not insolvent.與花旗銀行董事或僱員之關係 Relationship with Citibank Directors or Employees:本人/吾等為花旗銀行(香港)有限公司的董事/僱員的親屬/配偶，本人/吾等謹此附上有關人士之姓名及所屬部門。I am a /We are relative/spouse of a Director or Employee of Citibank (Hong Kong) Limited, I/we hereby provide the Name and Department of that Director or Employee as below:

董事/僱員姓名部門Name of Director/Employee: Department:如日後對所屬聲明有任何變更，本人/吾等須即時以書面通知花旗銀行。I/We shall notify Citibank promptly in writing when there is any change to such declaration.本人/吾等確認已收到花旗銀行信用卡/大來信用証資料概要及服務收費表、Citi信用卡持卡人/會員合約之主要使用條款及私隱條例。I/We acknowledge receipt of the Citi Credit Card/Diners Club Card Key Facts Statement And Fees Schedule, Major Terms and Conditions of Citi Credit Card Cardholder/Cardmember Agreement and the Policy Statement.本人/吾等明白花旗銀行將會參考本人/吾等於信貸資料庫之信貸報告以作審核。I/We understand that Citibank will review my/our credit report from the Credit Reference Agency in assessing the application.本人/吾等明白貴行、貴行之僱員、指定代理人或聯營機構可能擔任不同職務，及可能就直接或間接提供服務以收取佣金或其他酬金，或獲得好處或利益。該等佣金或其他酬金可能以定額計算及/或因應銷售表現和其他因素計算。I/We understand that you, your employees, your authorized agents or any of your affiliates may act in different capacities, and may be remunerated, or may receive benefits or profits, either directly or indirectly in connection with the services provided. The remuneration of your employees or authorized agents may comprise a fixed pay and/or a variable compensation which is determined by a number of factors including the sales performance.若本人/吾等已持有一張八達通，而欲申請以上的Citi八達通白金卡，本人/吾等現有的八達通及其相關服務並不會因此信用卡獲批核而被轉移或取消。當此申請批核後，信用卡會內置一張新的八達通(並附有新的八達通號碼)。本人/吾等現有八達通上之所有餘額，住戶証及日日賞$不會被轉換到於此申請中開啟之新八達通。如需要，本人/吾等須自行聯絡有關服務商。If I/we currently hold an Octopus and I am/we are applying for an Citi Octopus Platinum Card above, my/our existing Octopus with its associated services will NOT be transferred or cancelled upon approval of this application. A new Octopus (with a new Octopus ID) will be embedded in the Card once this application has been approved. The total outstanding balance, security access and Octopus Reward$ earned in my/our existing Octopus will NOT be transferred to my/our new Octopus created under this application. If needed, I/we will need to contact the relevant service provider.本人/吾等明白花旗銀行必須獲取在信用卡申請程序中所索取的資料方能處理本人/吾等之信用卡申請(除非有關資料註明為非必須)。如本人/吾等未能提供上述必須資料，花旗銀行則不能為本人/吾等開立信用卡或向本人/吾等提供服務。本人/吾等同意花旗銀行不時收取有關本人/吾等之個人資料，可根據私隱條例，用於其所述用途及向其所述人士(不論在香港境內或境外)披露。I/We understand that all information obtained by Citibank during the credit card application process is necessary (unless otherwise specified as optional) for Citibank to process my/our application and if I/we fail to provide the same to Citibank, Citibank will not be able to issue any card or provide any services to me/us. I/We agree that my/our personal data and information collected by Citibank from time to time may be used and disclosed for such purpose and to such persons (whether in or outside Hong Kong) as set out in the Policy Statement.此申請表所提及的產品及服務並不適用於居住於歐盟、歐洲經濟區、瑞士、根西、澤西、摩納哥、聖馬連奴、梵蒂岡、曼島的個人客戶。此申請表並不旨在對該類個人客戶構成任何買賣產品及服務的建議、銷售或招攬。The products and services mentioned in this application form are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, and The Isle of Man. This application form is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the products and services to such individuals.若申請表及其他有關文件的內文之中英文版本有差異，將以英文版本為準。With respect to this form and any other relevant documents, in case of any discrepancy between the English and Chinese version, the English version shall prevail.

以下之簽名證明本人/吾等已閱讀、明白及同意有關之條款及細則、合約包括但不限於個別產品之合約，服務收費表，私隱條例，客戶聲明及迎新獎賞之條款及細則(如適用)。By signing below, I/we confirm that I/we have read, understood, and agreed to the relevant Terms and Conditions, agreements, including but without limitation, agreement of individual product(s), the fees schedule, the Policy Statement, the Customer Declaration and the Welcome Offers Terms and Conditions (if applicable).

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Citi信用卡持卡人/會員合約之主要使用條款

持卡人/會員同意接受相關Citi信用卡/八達通卡有限公司發行之八達通自動增值協議/八達通獎賞有限公司發行之八達通日日賞計劃條款及細則，以適用者為

準(每份簡稱「合約」)。持卡人/會員須特別注意下列條款的要求，詳情已列於有關合約中。

1. 持卡人/會員應在收到Citi信用卡時立即於卡上簽名。2. 持卡人/會員同意將任何私人密碼保密，並在私人密碼遭任何其他人所知悉後知會花旗銀行。持卡人

/會員會就讓任何其他人士知悉私人密碼而招致之任何損失或法律責任而向花旗銀行作出賠償。3. 持卡人/會員有責任按時支付任何結欠。若未有繳付所規定

之最低付款額，則有責任支付罰款。4. 如遇違約情況，持卡人/會員有責任支付花旗銀行在追討債項時所合理招致之費用及開支。5. 若持卡人/會員作出任何

欺詐或嚴重疏忽之行為，則應負責花旗銀行所蒙受之所有損失。6. 在信用卡報失前之未經授權交易之責任上限為港幣500元/人民幣500元，不包括(i) 使用自動櫃員機或 (ii) 使用Citi八達通信用卡八達通功能之交易。7. 若持卡人/會員未能在結單日期60天內申報未經授權交易，則賬戶結單應具決定性。

8. 花旗銀行有權將持卡人/會員於花旗銀行所持有之任何貸款結餘用作抵銷債項。9. 基本卡持卡人/會員應負責基本卡及附屬卡之債項。附屬卡持卡人/會員

應只負責使用其附屬卡所招致之債項。10. 花旗銀行保留要求即時還款之權利。11. 若持卡人/會員並不接受花旗銀行所提出對合約之任何修訂，則有權終止

合約。12. Citi八達通信用卡可作八達通使用。Citi八達通信用卡之八達通功能將不時受到八達通發卡條款及/或八達通卡有限公司及/或其他成員(包括八達通

獎賞有限公司)所定之條款及細則所約束。每張信用卡已預先與自動增值聯繫，而此聯繫並不能取消(否則，必須與信用卡一併取消)，亦不能與其他信用卡

戶口聯繫。此卡之自動增值功能須受八達通自動增值協議所約束。此信用卡之申請一經批核，信用卡持有人將會自動登記成為八達通獎賞有限公司管理之日

日賞計劃會員。13. Citi Rewards 銀聯信用卡由一港幣賬戶及一人民幣賬戶組成。所有以人民幣計值的交易之款項(包括現金透支及所有有關收費及費用)將從

人民幣賬戶支取。所有其他交易之款項(包括現金透支及所有有關收費及費用)將從港幣賬戶支取。持卡人須使用相關賬戶用以計值之貨幣的資金分別支付給

每個賬戶。花旗銀行將不會從港幣賬戶轉換和/或轉賬餘額或多繳的款項到人民幣賬戶以償還另一賬戶之餘額，反之亦然。持卡人須直接支付到相關的賬戶

以繳清月結單結欠。

Major Terms and Conditions of Citi Credit Card Cardholder/Cardmember Agreement

Cardholder/Cardmember agrees to abide by the Terms and Conditions as set out in the relevant Citi Credit Card/the Conditions of Issue of Octopus Automatic

Add Value Agreement issued by Octopus Cards Limited (“OCL”)/the Terms and Conditions for Octopus Rewards Programme issued by Octopus Rewards Limited

(“ORL”), whichever is applicable (each an “Agreement”, as amended from time to time). Cardholder’s/Cardmember’s attention is drawn, in particular, to the Terms

and Conditions listed below, which Terms and Conditions are more fully detailed in the relevant Agreement.

1. Cardholder/Cardmember shall sign on the Citi Credit Card as soon as it is received. 2. Cardholder/Cardmember agrees to keep any personal identification number

("PIN") confidential and to inform Citibank if the PIN is known to any other person. Cardholder/Cardmember will indemnify Citibank against any losses or liabilities

resulting from the PIN being known to any other person. 3. Cardholder/Cardmember is responsible for repaying any outstanding balance on time and is liable for

penalty charges if the required minimum payment is not made. 4. In case of default, Cardholder/Cardmember is liable to pay the costs and expenses reasonably

incurred by Citibank in recovering the debt. 5. If the Cardholder/Cardmember acts fraudulently or with gross negligence, he/she shall be responsible for all losses

incurred by Citibank. 6. The maximum liability for unauthorised transactions before a Card loss is reported shall be HK$500/CNY500, excluding

transactions resulting from (i) use of the Card in automated teller machines, (ii) for Citi Octopus Credit Card, use of the Octopus function on the Citi Octopus Credit

Card. 7. A statement of account shall be conclusive if the Cardholder/Cardmember fails to report an unauthorised transaction within 60 days from the

statement date. 8. Citibank has the right to set off any credit balance maintained by the Cardholder/Cardmember with Citibank. 9. Principal

Cardholders/Cardmembers shall be responsible for debts of both the Principal and Supplementary Cards. A Supplementary Cardholder/Cardmember shall only be

responsible for debts incurred in using his/her own Supplementary Card. 10. Citibank reserves the right to demand immediate repayment. 11. The

Cardholder/Cardmember has the right to terminate the Agreement if he/she does not accept any amendment to the Agreement proposed by Citibank.

12. Citi Octopus Credit Card may be used as an Octopus. Use of the Octopus function on the Card shall be subject to the Conditions of Issue of Octopus and/or

other Terms and Conditions laid down by Octopus Cards Limited ("OCL") and/or its affiliates (including Octopus Rewards Limited ("ORL")) from time to time. Each

Card is pre-linked to AAVS and such linkage cannot be cancelled (unless terminated together with the Card), or be altered to link with another credit card account.

Use of the AAVS function on the Card shall be subject to the Octopus Automatic Add Value Agreement. Upon approval of this application by Citibank,

the Cardholder shall also be automatically registered as a member of the Octopus Rewards Programme operated by ORL. 13. The Citi Rewards UnionPay Card

consists of both a Hong Kong Dollar account and a Renminbi account. The values of all transactions (including cash advance and all related fees and charges)

denominated in CNY will be debited to the Renminbi Account. The values of all other transactions (including cash advance and all related fees and charges) will

be debited to the Hong Kong Dollar Account. The Cardholder shall settle payment to each of the accounts separately using funds in the currency in which the

relevant account is denominated. Citibank will not convert and/or transfer any credit balance or overpayment from the Hong Kong Dollar Account to the Renminbi

Account or vice versa to settle the outstanding balance of the other account. The Cardholder shall make payment directly to the relevant account in order to settle

the outstanding balance.

閣下可隨時不再收取本行之宣傳郵件。如有需要，請以書面形式通知本行。(香港郵政信箱：3463)

You may at any time choose not to receive our promotional materials. Please let us know in writing in case of such a request. (GPO Box 3463 Hong Kong).

http://www.citibank.com.hk/cards

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所需文件Documents required

請附上以下文件，以免延誤申請。 Please enclose the following copies of documents to avoid processing delay.

附屬卡申請人之香港身份證/護照副本Hong Kong ID Card/Passport copy of Supplementary Card Applicant

附屬卡申請人額外由政府發出的身份證明文件副本(例如護照或港澳居民來往內地通行證(回鄉證)) (如適用)Additional government issued identification document copy (e.g. passport or Mainland Travel Permit for Hong Kong and Macau Residents (Home Return Permit) etc.) of Supplementary Card Applicant if applicable

本申請表之P.1-P.3(附有基本卡持卡人/會員及附屬卡申請人之簽署)P.1-P.3 of this application form with signatures of both Principle Cardholder/Cardmember and Supplementary Card Applicant

如附屬卡申請人之住址與基本卡持卡人/會員不同，請提供附有附屬卡申請人姓名之最近3個月內之現居住址證明，例如電費單或銀行月結單If the residential address of Supplementary Card Applicant is different from that of the Principal Cardholder/Cardmember, please provide the residential address proof within the recent 3 months showing the name of Supplementary Card Applicant, e.g. electricity bill or bank statement

提交表格及證明文件可Please submit the application form and documents through below channels:

請將已填妥的表格透過電腦、平板電腦或流動裝置上載至http://www.citibank.com.hk/card-form → 信用卡申請證明文件 → 按此上載表格Please return your completed form via a computer, tablet or mobile device by uploading at http://www.citibank.com.hk/card-form → Credit Card Application Supporting Documents → Submit Form Here

郵寄至香港郵政信箱3281號，花旗銀行(香港)有限公司Mail to Citibank (Hong Kong) Limited, P.O. Box 3281

證件影印/傳真須知Hints for photocopying/ faxing Identity Card copy

清楚的證件影印本，令批核程序更快捷A clear Identity Card copy ensures quicker processing

1. 可放大至200%Enlarge to 200%

2. 影印證件時請選用較淺色模式，以達最佳效果For the best result, please choose a lighter color mode when you make photocopy on HKID card

3. 於影印本空白地方簽署及清楚寫上姓名及證件號碼Sign and write your name and Identity Card number on blank area

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關於《個人資料(私隱)條例》("私隱條例")的政策指引

重視和保障個人資料的私隱權是花旗銀行香港分行、花旗銀行(香港)有限公司、花旗國際有限公司和大來信用証國際(香港)有限公司(各稱為「Citi機構」的政策。遵守《私隱條例》不單是管理階層的責任，也是各Citi機構每位職員的直接責任。本政策指引清楚規定以下各項：(1)各Citi機構收集個人資料的目的；(2)各Citi機構為保護個人資料而採取的重要措施；(3)可獲Citi機構轉移個人資料的人士的類別；及(4)客戶、擔保人和抵押品提供者(各稱為「資料當事人」)查閱及改正資料的權利。(a) 資料當事人在申請開立或延續戶口及/或建立或延續銀行/信貸安排或要求提供銀行/財務服務時，不時需要向Citi機構提供有關的個人資料(「資料」)。(b) 若資料當事人未能提供該個人資料，有關的Citi機構可能無法為資料當事人開立或延續戶口或建立或延續銀行/信貸安排，或可能無法向資料當時人提供銀行/

財務服務。(c) Citi機構在與資料當事人的正常銀行/財務的業務往來過程中，例如資料當事人簽發支票、資金轉帳或使用卡存款或進行交易或為自己或任何第三者洽商/安排銀行/信貸安排，亦會收集到資料當事人的資料。

(d) 有關資料當事人的資料可能會由Citi機構或向有關的Citi機構取得該資料的任何人士作以下用途： i. 用於向資料當事人或由資料當事人作為擔保人或抵押品提供者並向任何第三者提供的服務及信貸/財務安排的日常運作； ii. 於資料當事人申請信貸時及於每年(通常一次或多於一次)的定期或特別信貸覆核時進行信貸檢查和核對程序(定義見《私隱條例》)； iii. 制定和維持Citi機構的信貸評分模式； iv. 協助其他財務機構進行信貸檢查和追討債務； v. 確保資料當事人維持可靠信用； vi. 設計供資料當事人使用的信貸/財務服務或有關產品； vii. 宣傳服務，產品及其他標的(Citi機構可就此等服務或產品獲得或不獲任何報酬)(詳情請參閱下文(i)段) ﹔ viii. 確定拖欠資料當事人或資料當事人拖欠的債務金額； ix. 強制執行資料當事人的責任，包括但不限於追收資料當事人的欠款； x. 履行根據下列適用於Citi機構或任何其它成員及/或集團公司或Citi機構或任何其它成員及/或集團公司被期望遵守的就披露及使用資料的義務、規定或安排； (1) 不論於香港特別行政區境內或境外及不論目前或將來存在的對其具法律約束力或適用的任何法律(例如：稅務條例及其條款，包括有關自動交換財務賬

戶資料的條款，或就美國法下的外國賬戶稅務合規法案(FATCA)的條款)； (2) 不論於香港特別行政區境內或境外及不論目前或將來存在的任何法律、監管、政府、稅務、執法或其他機關，或金融服務供應商的自律監管或行業組

織或協會作出或發出的任何指引或指導(例如：由稅務局提供及發出的指引及指示，包括有關自動交換財務賬戶資料的指引及指示，或就美國法下的外國賬戶稅務合規法案(FATCA)的指引及指示)；

(3) Citi機構或任何其它成員及/或集團公司因其位於或跟相關本地或外地的法律、監管、政府、稅務、執法或其他機關，或自律監管或行業組織或協會的司法管轄區有關的金融、商業、業務或其他利益或活動，而向該等本地或外地的法律、監管、政府、稅務、執法或其他機關，或金融服務供應商的自律監管或行業組織或協會承擔或被彼等施加的任何目前或將來的合約或其他承諾；

xi. 遵守Citi機構為符合制裁或預防或偵測清洗黑錢、恐怖分子融資活動或其他非法活動的任何方案就於Citi機構集團內共用資料及資訊及/或資料及資訊的任何其他使用而指定的任何義務、要求、政策、程序、措施或安排；

xii. 讓有關的Citi機構的實際或建議承讓人，或讓有關的Citi機構對資料當事人的權利的參與人或附屬參與人，評核擬作為有關轉讓、參與或附屬與標的的交易； xiii. 將資料當事人或其他人士的資料作比較，以進行信貸調查、資料核實或以其他方法製作或核實資料，不論是否為了對資料當事人採取不利行動﹔ xiv. 不論資料當事人與有關的Citi機構或取得有關資料的人士之間是否存在任何關係，作為資料當事人的信貸紀錄，以供其現在或將來參考之用；及 xv. 與上述各項有關的用途。(e) Citi機構會把其取得有關資料當事人的資料保密處理，但可能會就第(d)項載明的用途把該等資料提供予下列任何一方 ﹕ i. 任何代理人、承包商或就Citi機構的業務運作向其提供行政、電訊、電腦、付款、債務追討、證券結算或其他服務的第三者服務供應商； ii. 對Citi機構負有保密責任的任何其他人或機構，包括該Citi機構同一集團內已承諾將有關資料保密處理的公司； iii. 向出票人提供已付訖支票副本(可能載有收款人的資料)的付款銀行 ﹔

iv. 信貸資料服務機構以及如資料當事人欠帳，則可將該等資料提供給追討欠款公司； v. Citi機構或其集團公司根據對Citi機構或其集團公司具法律約束力或適用的任何法律規定，或根據及為符合任何法律、監管、政府、稅務、執法或其他機關，

或金融服務供應商的自律監管或行業組織或協會作出或發出的並期望Citi機構或其集團公司遵守的任何指引或指導，或根據Citi機構或其集團公司向本地或外地的法律、監管、政府、稅務、執法或其他機關，或金融服務供應商的自律監管或行業組織或協會的任何合約或其他承諾(以上不論於香港特別行政區境內或境外及不論目前或將來存在的)，而有義務或以其他方式被要求向其披露該等資料的任何人士 ﹔

vi. 資料當事人現在或建議與之有任何業務往來的財務機構和消費卡或信用卡發卡公司 ﹔

vii. 任何已與或將會與Citi機構或取得有關資料的人士建立任何業務關係的其他人士或機構(包括其相聯公司或聯號公司) ﹔

viii. 有關的Citi機構的任何實際或建議承讓人，或有關的Citi機構對資料當事人的權利或有關的Citi機構全部或任何部份的資產或業務的參與人或附屬參與人或受讓人；

ix. 對資料當事人的責任提供或計劃提供擔保或第三者抵押的任何人等；及 x. (1) Citi機構的任何其它成員及/或集團公司； (2) 第三方財務機構、保險公司、信用卡機構、證券及投資服務供應商； (3) 第三方獎賞、顧客忠誠，合作品牌及優惠計劃或其它相關服務及/或產品供應商； (4) Citi機構的聯營品牌合作夥伴及/或Citi機構的任何其它成員及/或集團公司(此等聯營品牌合作夥伴的名稱載於有關服務及產品(視情況而定)的申請表)；

(5) 慈善或非牟利機構；及 (6) Citi機構就上文第(d)項載明的用途聘請的第三方服務供應商(包括但不限於郵遞公司、電訊公司、電話推銷及直銷代理機構、電話客戶服務中心、資料

處理公司及資訊技術中心等)。該等資料可能被轉移至香港境外。(f) 在Citi機構就按揭及/或按揭申請可能不時收集或持有的資料中(不論以借款人、按揭人或擔保人身分，以及不論以資料當事人本人單名或與其他人士聯名方式)

及於2011年4月1日當日或以後申請的按揭有關的資料，下述與資料當事人有關的資料(包括下述任何資料的任何經更新資料)可由Citi機構及/或以代理人的名義提供予信貸資料服務機構：

(i)全名；(ii)就每項按揭中的身份(即作為借款人、按揭人或擔保人，及以資料當事人本人單名或與其他人士聯名方式)；(iii)香港身份證號碼或旅遊證件號碼；(iv)出生日期；(v)通訊地址；(vi)與每項按揭有關的按揭帳戶號碼；(vii)與每項按揭有關的貸款類別；(viii)就每宗按揭有關的按揭帳戶狀況(如有效、已結束、已

撇帳(因破產令導致除外)、因破產令導致已撇帳)；(ix)與每項按揭有關的按揭帳戶結束日期(如有)；(x)按揭申請日期；及(xi)(若發生與按揭貸款有關的任何未償重大拖欠事宜)一般帳戶資料連同與該項重大拖欠有關的拖欠資料。

信貸資料服務機構將使用上述由Citi機構提供的資料統計資料當事人(分別以借款人、按揭人或擔保人身分，及以資料當事人本人單名或與其他人士聯名方式)不時於香港信貸提供者間持有的按揭宗數，並存於信貸資料服務機構的個人信貸資料庫內供信貸提供者共用(須受根據條例核准及發出的個人信貸資料實務守則的規定所限)。

(g) 在Citi機構就資料當事人信貸可能不時收集或持有的資料中，下述與資料當事人有關的資料(包括下述任何資料的任何經不時更新之資料)可由Citi機構提供予信貸資料服務機構：

(i)全名；(ii)通訊地址；(iii)聯絡資料；(iv)出生日期；(v)香港身份證號碼或旅遊證件號碼；(vi)與按揭貸款無關的信貸申請資料；(vii)一般帳戶資料；(viii)帳戶還款資料；及(ix)信用卡遺失資料。　

(h) 就上文第(e)(iv)項而言，Citi機構須向信貸資料服務機構查閱及索取該信貸資料服務機構根據《私隱條例》持有有關資料當事人的個人和帳戶資訊或紀錄(包括有關按揭宗數的資料)。在不損害前述條文的原則下，Citi機構可不時查閱由信貸資料服務機構持有有關資料當事人的個人和帳戶資訊或紀錄(包括有關按揭宗數的資料)，藉此就資料當事人或第三者(由資料當事人就該第三者的責任提供擔保)現時所獲批的信貸安排審核以下事項 ﹕

i. 增加信貸額； ii. 削減信貸，包括取消信貸或調低信貸額；或

iii. 與資料當事人或第三者訂立債務安排計劃，或實施與資料當事人或第三者訂立的債務安排計劃。(i) 在直接促銷中使用資料 Citi機構擬把資料當事人資料用於直接促銷，而Citi機構為該用途須獲得資料當事人同意(包括表示不反對)。就此，請注意： i. Citi機構可能把Citi機構不時持有的資料當事人姓名、聯絡資料、產品及服務組合資料、交易模式及行為、財務背景及人口統計數據用於直接促銷； ii. 可用作促銷下列類別的服務、產品及促銷標的： (1) 財務、保險、信用卡、銀行及相關服務及產品； (2) 獎賞、資料當事人或會員或優惠計劃及相關服務及產品； (3) Citi機構合作品牌夥伴提供之服務及產品(該等合作品牌夥伴名稱會於有關服務及產品的申請表格上列明)；及 (4) 為慈善及/或非牟利用途的捐款及捐贈；

iii. 上述服務、產品及促銷標的可能由Citi機構及/或下列各方提供或(就捐款及捐贈而言)徵求：

(1) Citi機構集團成員及其成員公司； (2) 第三方金融機構、承保人、信用卡公司、證券及投資服務供應商； (3) 第三方獎賞、客戶或會員、合作品牌或優惠計劃供應商； (4) Citi機構及其成員公司之合作品牌夥伴(視乎情況，該等合作品牌夥伴名稱會於有關服務及產品的申請表格上列明)；及 (5) 慈善或非牟利機構；

iv. 除由Citi機構促銷上述服務、產品及促銷標的以外，Citi機構亦擬將以上(i)(i)段所述的資料提供予以上(i)(iii)段所述的全部或任何人士，以供該等人士在促銷該等服務、產品及促銷標的中使用，而Citi機構為此用途須獲得資料當事人書面同意(包括表示不反對)；

v. Citi機構可能因如以上(i)(iv)段所述將資料提供予其他人士而獲得金錢或其他財產的回報。如Citi機構會因提供資料予其他人士而獲得任何金錢或其他財產的回報，Citi機構會於以上(i)(iv)段所述徵求資料當事人同意或不反對時如是通知資料當事人。

如資料當事人不希望Citi機構如上述使用其資料或將其資料提供予其他人士作直接促銷用途，資料當事人可通知Citi機構行使其選擇權拒絕促銷。(j) 根據並按照《私隱條例》的條款和根據《私隱條例》核准及發出的個人信貸資料實務守則，任何人均有權採取以下行動 ﹕

i. 審查Citi機構是否持有他/她的資料及查閱有關資料； ii. 要求Citi機構改正有關他/她不準確的資料； iii. 確定有關的Citi機構對資料的政策和慣常做法，以及獲告知該Citi機構所持有的個人資料的類別 ﹔

iv. 就個人信貸及按揭貸款而言，要求獲告知慣常向信貸資料服務機構或收數公司披露的資料，以及要求獲提供其他資料，藉此向有關的信貸資料服務機構或收數公司(視情況而定)提出查閱及改正資料的要求；及

v. 就Citi機構向信貸資料服務機構提供的任何帳戶資料(為免生疑問，包括任何帳戶還款資料)，於全數清還欠帳後結束帳戶時，指示Citi機構要求信貸資料服務機構自其資料庫中删除該等帳戶資料，但指示必須於帳戶結束後五年內提出及於緊接終止信貸前五年內沒有任何拖欠為期超過60日的欠款。帳戶還款資料包括上次到期的還款額，上次報告期間(即緊接Citi機構上次向信貸資料服務機構提供帳戶資料前不多於31日的期間)所作還款額，剩餘可用信貸額或未償還數額及欠款資料(即過期欠款額及逾期還款日數，清還過期欠款的日期，及全數清還拖欠為期超過60日的欠款的日期(如有))。

(k) 如帳戶出現任何拖欠還款情况，除非拖欠金額在由拖欠日期起計60日届滿前全數清還或已撇帳(因破產令導致撇帳除外)，否則帳戶還款資料(定義見以上(j)(v)

段)會在全數清還該拖欠還款後被信貸資料服務機構繼續保留多五年。(l) 如資料當事人因被頒布破產令而導致任何帳戶金額被撇帳，不論帳戶還款資料有否顯示任何拖欠為期超過60日的還款，該帳戶還款資料(定義見以上(j)(v)段))

會在全數清還該拖欠還款後被信貸資料服務機構繼續保留多五年，或由資料當事人提出證據通知信貸資料服務機構其已獲解除破產令後保留多五年(以較早出現的情况為準)。

(m) Citi機構在考慮任何貸款申請時，可能已從信貸資料服務機構取得與客戶有關的信貸報告。若資料當事人擬取得該信貸報告，Citi機構會將有關信貸資料服務機構的聯絡詳情告知資料當事人。

(n) 資料當事人的資料可在及可向Citi機構或如前文第(e)項所指向Citi機構取得有關資料的任何人認為合適的國家處理、保存、傳達或披露。有關資料亦可根據該國的地方慣例和法律、規則和規則(包括任何政府行政措施和政令)處理、保存、傳達或披露。

(o) 根據《私隱條例》的條款，Citi機構有權就處理任何查閱資料的要求收取合理費用。(p) 對各Citi機構而言，有關查閱或改正資料或查詢有關資料政策或慣常做法或所持資料的類型的要求應向以下人士提出 ﹕

致資料保護主任資料保護主任

Citi機構花旗銀行香港分行或花旗銀行(香港)有限公司或花旗國際有限公司大來信用証國際(香港)有限公司地址香港中環，花園道3號香港九龍觀塘

冠君大廈50樓海濱道83號花旗大樓

(q) 本政策指引並不限制資料當事人在《私隱條例》下享有的權利。(r) 閣下可隨時選擇不再收取Citi機構的宣傳郵件，如有需要，請以書面形式通知Citi機構。

二零一八年十一月花旗銀行

根據美國法例成立之有限公司

Policy Statement relating to the Personal Data (Privacy) Ordinance (the "Ordinance")

It is the corporate policy of each of Citibank, N.A. Hong Kong Branch, Citibank (Hong Kong) Limited, Citicorp International Limited and Diners Club International (Hong Kong) Limited (each a "Citi Entity") to respect and safeguard the privacy of an individual’s personal data. Compliance with the Ordinance is not only the responsibility of the management but also direct responsibility of every employee of each Citi Entity. This policy statement stipulates clearly (1) our purposes of data collection, (2) the important controls employed by each Citi Entity for protection of personal data, (3) the classes of persons we can transfer personal data to, and (4) the data access and correction right of customers, guarantors and security providers (each a "Data Subject").(a) From time to time, it is necessary for a Data Subject to supply a Citi Entity with personal data ("data") in connection with the opening or continuation of accounts and

/ or the establishment or continuation of banking / credit facilities or provision of banking / financial services. (b) Failure to supply such data may result in the relevant Citi Entity being unable to open or continue accounts or establish or continue banking / credit facilities or provide

banking / financial services to the Data Subject. (c) It is also the case that data are collected from a Data Subject in the ordinary course of the continuation of the banking / financial relationship, for example, when a Data

Subject writes cheques, transfers funds, deposits money, effects transactions through cards or discusses / arranges banking / credit facilities for himself / herself or for any third party.

(d) The purpose for which data relating to a Data Subject may be used by a Citi Entity or any person who has obtained such data from the relevant Citi Entity are as follows:- i. the daily operation of the services and credit / financial facilities provided to the Data Subject or any third party when the Data Subject is a guarantor or security

provider for such facilities; ii. conducting credit checks and carrying out matching procedures (as defined in the Ordinance) 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 Citi Entity's credit scoring models; iv. assisting other financial institutions to conduct credit checks and collect debts; v. ensuring ongoing credit worthiness of a Data Subject; vi. designing credit / financial services or related products for a Data Subject’s use; vii. marketing services, products and other subjects in respect of which a Citi Entity may or may not be remunerated (please see further details in paragraph (i) below); viii. determining the amount of indebtedness owed to or by a Data Subject; ix. enforcement of a Data Subject's obligations, including without limitation the collection of amounts outstanding from a Data Subject; x. complying with the obligations, requirements or arrangements for disclosing and using data that apply to the relevant Citi Entity or its group company or that it is

expected to comply according to: (1) any law binding or applying to it within or outside the Hong Kong Special Administrative Region existing currently and in the future (e.g. the Inland Revenue

Ordinance and its provisions including those concerning automatic exchange of financial account information or the Foreign Account Tax Compliance Act (FATCA) of the United States);

(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 the Hong Kong Special Administrative Region 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 or any guideline or guidance concerning the Foreign Account Tax Compliance Act (FATCA) of the United States);

(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 relevant Citi Entity or its group company 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;

xi. complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the group of the relevant Citi Entity 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;

xii. enabling an actual or proposed assignee of the relevant Citi Entity or participant or sub-participant of the relevant Citi Entity’s rights in respect of the Data Subject to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;

xiii. comparing data of the Data Subject or other persons for credit checking, data verification or otherwise producing or verifying data, whether or not for the purpose of taking adverse action against the Data Subject;

xiv. maintaining a credit history of the Data Subject (whether or not there exists any relationship between the Data Subject and the relevant Citi Entity or the recipient of the data) for present and future reference; and

xv. purpose relating thereto.(e) Data held by a Citi Entity relating to a Data Subject will be kept confidential but it may provide such information to the following parties for the purposes set out in

paragraph (d):- i. any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment, debt collection or securities clearing

or other services to it in connection with the operation of its business; ii. any other person or entity under a duty of confidentiality to it including its group company 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 or entity to whom the relevant Citi Entity or its group company is under an obligation or otherwise required to make disclosure under the requirements

of any law binding on or applying to the relevant Citi Entity or its group company, or any disclosure under and for the purposes of 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 with which the relevant Citi Entity or its group company is expected to comply, or any disclosure pursuant to any contractual or other commitment of the relevant Citi Entity or its group company 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 the Hong Kong Special Administrative Region and may be existing currently and in the future;

vi. any financial institution and charge or credit card issuing companies with which the Data Subject has or proposes to have dealings; vii. any other person or entity (including its associated companies or affiliates) who has established or proposes to establish any business relationship with it or

recipient of the data; viii. any actual or proposed assignee of the relevant Citi Entity or participant or sub-participant or transferee of the rights of the relevant Citi Entity in respect of the

Data Subject or all or any part of the assets or business of the relevant Citi Entity; ix. any party giving or proposing to give a guarantee or third party security to guarantee or secure the Data Subject’s obligations; and x. (1) any members and/or group companies of a Citi Entity; (2) third party financial institutions, insurers, credit card companies, securities and investment services providers; (3) third party reward, loyalty, co-branding and privileges programme or other related services and/or products providers; (4) co-branding partners of a Citi Entity and/or any other members and/or group companies of a Citi Entity (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) third party 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 a Citi Entity engages for the purposes set out in paragraph (d) above. Such information may be transferred to a place outside Hong Kong.(f) Of the data which may be collected or held by a Citi Entity from time to time in connection with mortgages and/or mortgage application(s) in relation to a Data Subject

(whether as a borrower, mortgagor or guarantor and whether in the Data Subject’s sole name or in joint names with others) on or after April 1, 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 Citi Entity, on its own behalf and/or as agent, to the credit reference agency:

(i) full name; (ii) 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);

(iii) Hong Kong Identity Card Number or travel document number; (iv) date of birth; (v) correspondence address; (vi) mortgage account number in respect of each mortgage; (vii) type of facility in respect of each mortgage; (viii) 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); (ix) if any, mortgage account closed date in respect of each mortgage; (x) mortgage application date; and (xi) where there is any outstanding material default of a mortgage loan, account general data together with the default data relating to such material default.

The credit reference agency will use the above data supplied by the relevant Citi Entity for the purposes of compiling a count of the number of mortgages from time to time held by the Data Subject with credit providers in Hong Kong, 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 agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Ordinance).

(g) Of the data which may be collected or held by a Citi Entity from time to time in connection with consumer credit, 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 Citi Entity to the credit reference agency:

(i) full name; (ii) correspondence address; (iii) contact information; (iv) date of birth; (v) Hong Kong Identity Card Number or travel document number; (vi) credit application data that do not relate to a mortgage loan; (vii) account general data; (viii) account repayment data; and (ix) credit card loss data.

(h) For the purpose of paragraph (e)(iv) above, the Citi Entity shall access and obtain from the credit reference agencies such personal and account information or records of the Data Subject (including information about the number of mortgage count) held by a credit reference agency in accordance with the Ordinance. Without prejudice to the foregoing, the Citi Entity may from time to time access the personal and account information or records of the Data Subject (including information about the number of mortgage count) held by a credit reference agency for reviewing any of the following matters in relation to the existing credit facilities granted to the Data Subject or to a third party which obligations are guaranteed by the Data Subject:

i. an increase in the credit amount; ii. the curtailing of credit (including the cancellation of credit or a decrease in the credit amount); or iii. the putting in place or the implementation of a scheme of arrangement with the Data Subject or the third party. (i) USE OF DATA IN DIRECT MARKETING A Citi Entity intends to use a Data Subject’s data in direct marketing and the relevant Citi Entity requires the Data Subject’s consent (which includes an indication of no

objection) for that purpose. In this connection, please note that: i. the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a Data

Subject held by a Citi Entity from time to time may be used by any Citi Entity or group company in direct marketing; ii. the following classes of services, products and subjects may be marketed: (1) financial, insurance, credit card, banking and related services and products; (2) reward, loyalty, co-branding or privileges programmes and related services and products; (3) services and products offered by a Citi Entity'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; iii. the above services, products and subjects may be provided or (in case of donations and contributions) solicited by a Citi Entity and/or: (1) a Citi Entity and any other members and/or group companies of a Citi Entity; (2) third party financial institutions, insurers, credit card companies, securities and investment services providers; (3) third party reward, loyalty, co-branding or privileges programmes or other related services and/or products providers; (4) co-branding partners of a Citi Entity and/or any other members and/or group companies of a Citi Entity (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; iv. in addition to marketing the above services, products and subjects itself, a Citi Entity also intends to provide the data described in paragraph (i)(i) above for use by

them in marketing those services, products and subjects, and the relevant Citi Entity requires the Data Subject’s written consent (which includes an indication of no objection) for that purpose;

v. a Citi Entity may receive money or other property in return for providing the data to the other persons in paragraph (i)(iv) above and, when requesting the Data Subject’s consent or no objection as described in paragraph (i)(iv) above, the relevant Citi Entity 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 a Citi Entity to use or provide to other persons his data for use in direct marketing as described above, the Data Subject may exercise his opt-out right by notifying the relevant Citi Entity.

(j) 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 a Citi Entity holds data about him / her and access to such data; ii. to require a Citi Entity to correct any data relating to him / her which is inaccurate; iii. to ascertain a Citi Entity’s policies and practices in relation to data and to be informed of the kind of personal data held by that Citi Entity; iv. in relation to consumer credit and mortgage loans, to request to be informed 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 an access and correction request to the relevant credit reference agency or debt collection agency, as the case may be; and

v. in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by a Citi Entity to a credit reference agency, to instruct the relevant Citi Entity, 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 five years of termination and at no time was there any default of payment, lasting in excess of 60 days within 5 years immediately before account termination. Account repayment data include 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 relevant Citi Entity to a 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)).

(k) 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 (j)(v) above) may be retained by the credit reference agency until the expiry of five years from the date of final settlement of the amount in default.

(l) In the event of any amount being written off due to a bankruptcy order being made against the Data Subject, the account repayment data (as defined in paragraph (j)(v) above) may be retained by the credit reference agency, 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 the Data Subject's discharge from bankruptcy as notified by the Data Subject with evidence to the credit reference agency, whichever is earlier.

(m) A Citi Entity may have obtained a credit report on the customer from a credit reference agency in considering any application for credit. In the event the Data Subject wishes to access the credit report, the Citi Entity will advise the contact details of the relevant credit reference agency.

(n) Data of a Data Subject may be processed, kept, transferred or disclosed in and to any country as the Citi Entity or any person who has obtained such data from Citi Entity referred to in paragraph (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.

(o) In accordance with the terms of the Ordinance, a Citi Entity has the right to charge a reasonable fee for the processing of any data access request.(p) In respect of each Citi Entity, requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be

addressed as follows:

Attention to The Data Protection Officer The Data Protection Officer

Citi Entity Citibank, N.A., Hong Kong Branch or Citibank (Hong Kong) Limited or Citicorp International Limited Diners Club International (Hong Kong) Limited

Address 50/F, Champion Tower, Citi Tower, One Bay East, 83 Hoi Bun Road, Three Garden Road, Central, Hong Kong Kwun Tong, Kowloon, Hong Kong

(q) Nothing in this Policy Statement shall limit the rights of Data Subjects under the Ordinance.(r) You may, at any time, choose not to receive our promotional materials. Please let us know in writing in case of such a request.

November 2018Citibank, N.A.

Organised under the laws of U.S.A. with limited liability

或詳情(發卡公司可於任何時間行使有關權利)處理其造成的不當或錯誤之外，發卡公司毋須進一步證明有關紀錄及詳情實屬正確。

5. 費用支付

5.1 發卡公司將不時規定支付款項方式。如持卡人/會員經由發卡公司之自動櫃員機付款或其他可接受的支付款項方式，所支付之款項將受發卡公司不時適用之條款約束，包括當時適用之交易記錄和存款信封上之有關條款。若使用發卡公司之自動櫃員機以現金存款，付款金額需經銀行職員或其代理人核證後，才存入賬戶中。

5.2 若持卡人/會員未能按本合約支付到期需付或應付的款項，發卡公司可能委派收賬公司催收有關款項。若發卡公司因向持卡人/會員催繳、追收或在控告持卡人/會員賠償在本合約規定下應付之欠款或因持卡人/會員違反或不遵守本合約條款而需作出其他補償，而須支付律師費、收賬費用或其他開支，持卡人/會員將補償發卡公司法庭按訴訟各方共同基金基準評定的律師費(合理地招致及金額合理的費用及開支)，雙方另行協議除外。與此有關的其他合理地招致的費用及開支(包括收賬公司的費用)將由持卡人/會員補償，但最高補償金額為原欠付款項金額的百份之三十(30%)。

5.3 持卡人/會員與商戶對購物及服務之糾紛，將由持卡人/會員直接與商戶自行解決。有關任何商戶所供應之貨品或服務，或有任何商戶拒絕接受此卡，發卡公司將毋需對此負責。商戶的退款在發卡公司收到其正確無誤的退款單據後，才轉還到賬戶中。

5.4 發卡公司只會在如實收到已兌現的付款及將外幣付款據發卡公司一般慣常運作由發卡公司兌換成港幣後，並在不作任何抵銷、追討、附帶條件、限制、扣除或預扣下，才被視為收到持卡人 / 會員的付款及已將付款存入賬戶中。

5.5 賬戶所收到的款項或其他進賬，可按照下列次序支付：(1)法律及收賬費用；(2)財務費用；(3)現金透支利息；(4)所有適用的收費及費用，包括但不限於現金透支費用、逾期手續費、超額費用、服務費用、退票/自動轉賬退回費用、補發新卡費及賬目調查手續費；(5)

任何計劃或發卡公司其他的分期計劃下未付的分期付款餘額；及(6)其他交易之未付本金餘額(在該些交易被徵收的財務費用利率有所不同的情況下，費用收取次序為最高利率至最低利率)；或可在發卡公司毋須預先通知持卡人/會員之下但認為適當的次序支付款項。

5.6 閣下同意本行可在任何時候郵寄支票至閣下最後更新之通信地址，以退還該戶口內部分或全部之結餘，而毋須事先通知。

5.7 在不影響本合約的其他條款下，若持卡人/會員需離開香港一段時間，持卡人/會員須在離開香港前安排繳付費用給發卡公司。

6. 此卡遺失及被竊

6.1 持卡人/會員應根據發卡公司不時提供之指示留意信用卡及密碼之保安。若此卡遺失或被竊或被人知悉其密碼，持卡人/會員須在合理可能的情況下盡快致電發卡公司之Citibank電話理財服務熱線2860 0333/白金卡服務專線 2860 0360 (僅供花旗銀行白金卡持卡人使用)/Ultima服務專線2860 0308(僅供Citi ULTIMA會員使用)/

Citi Prestige服務專線2860 0338(僅供花旗銀行Citi Prestige持卡人使用)/American Express服務專線2860 0366(僅供Citibank

Cash Back American Express® Card會員使用)，通知發卡公司。 CT

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Citi信用卡合約條款及細則

(適用於Citi ULTIMA/Citi Prestige信用卡/Citi PremierMiles信用卡/Citi Cash Back信用卡/Citi Cash Back American Express® Card/

Citi Rewards信用卡/Citi Clear Card/Citi普通卡/Citi金卡)（由2018年3月29日起生效）

花旗銀行(香港)有限公司(簡稱「發卡公司」)按下列的條款發出Citi信用卡(簡稱「此卡」)給閣下(簡稱「基本卡持有人」)和任何經基本卡持有人提名而又獲發卡公司批准發給附屬卡之人士(簡稱「附屬卡持有人」)。基本卡持有人和附屬卡持有人(每位簡稱「持卡人/會員」，基本卡持有人和附屬卡持有人亦統稱「持卡人/會員」)在簽署或使用此卡時，即表示共同及個別同意或確認同意遵守本合約以下條款及負責支付據以下條款應付給發卡公司的款項，但附屬卡持有人毋需負責基本卡持有人或其他附屬卡持有人的債務：

1. 持卡人/會員資料

1.1 持卡人/會員明白發卡公司是基於持卡人/會員所提供的資料在現在或未來均為正確無誤才簽發此卡給持卡人/會員。所申報資料如有任何更改包括職業、工作或居住地址、永久居留地或電話號碼，持卡人/會員將立即書面通知發卡公司。

1.2 持卡人/會員同意發卡公司對持卡人/會員與發卡公司的電話通話進行電話錄音。

2. 此卡的使用

2.1 持卡人/會員將須(a)於收到此卡後立即簽署(須與信用卡申請表格或發卡公司所訂明的該其他文件上的簽署相同)；(b)經常小心保管此卡並確保此卡於任何時間均由持卡人/會員持有；及不可允許任何第三者以任何方式使用此卡；(c)不能使用超過發卡公司不時酌情決定的信貸限額(簡稱「客戶信貸限額」)；(d)不能使用超過發卡公司不時酌情決定的現金透支限額(簡稱「現金透支限額」)，現金透支限額為客戶信貸限額的一部份；(e)不能使用超過發卡公司不時酌情決定的信貸限額(簡稱「信貸限額」)；及(f)不可在此卡被收回或取消後繼續使用。

2.2 持卡人/會員將須把使用此卡的私人密碼保密，若該密碼一旦洩露給其他人，持卡人/會員須立即通知發卡公司。倘若持卡人/會員之私人密碼不論因任何原因洩露給其他人，持卡人/會員將須完全承擔一切由此而招致的後果、損失及/或其他責任，並須全數賠償發卡公司一切因此而引起之損失。

2.3 當使用此卡時，持卡人/會員應確定於任何單據上的簽署與信用卡申請表格(或發卡公司所訂明的該其他文件)及此卡上的簽署相同，以便發卡公司可以進行核對確認。為免生疑，持卡人/會員若未能實行此要求，將不會免除其使用此卡的任何責任。若持卡人/會員想就此卡採用新的簽署，需事先向發卡公司提出書面申請。

3. 經此卡實行的交易

3.1 此卡可在發卡公司的任何分行和其他接受此卡的財務機構及商戶使用。此卡可用作購買物品和服務、現金透支、付賬和獲得發卡公司不時提供或安排之其他與信用卡有關的設施或服務。

3.2 即使持卡人/會員沒有簽署任何單據和/或此卡之使用已超過客戶信貸限額，持卡人/會員仍須負責一切因使用此卡而實行的交易(簡稱

「交易」)。未有持卡人/會員簽署使用此卡而實行的交易包括但不限於以電話、傳真、郵寄或電子媒介、直接授權從戶口轉賬付款、或利用自動櫃員機服務(無論此設備是屬於發卡公司與否)或透過商戶之銷售點終端機或用信用卡電話服務或任何其他發卡公司不時認可的設備發出的指示。

3.3 持卡人/會員不可使用此卡參與任何非法活動(包括互聯網上的非法賭博)。發卡公司保留權利拒絕處理或支付發卡公司懷疑涉及非法賭博或根據適用法律可能為不合法的交易。如發卡公司合理相信處理或支付有關交易，(a)發卡公司、(b)花旗集團及其集團公司，包括發卡公司在內(“集團公司”)、及/或(c)發卡公司或任何集團公司選擇向其提供服務而又非付款設施供應商的任何第三方(即指構成全球付款系統設施的第三方，包括但不限於，通訊、結算或付款系統、中介銀行及代理銀行(“付款設施供應商”))(“第三方服務供應商”)可能違反(i)任何當地或海外的司法管轄區的法律或規章，或(ii)

發卡公司在任何當地或海外的司法管轄區與任何具司法管轄權的規管、檢控、稅務或政府機關(“機關”)訂立的任何協議((i)及(ii)統稱為“法律或規章”)，發卡公司可拒絕處理或支付有關交易。發卡公司將無須就持卡人/會員因在本條款下的交易遭拒絕處理及支付而蒙受的任何損失或損害向持卡人/會員負責。

3.4 受以下有關條款規限，免息分期付款計劃(簡稱「本計劃」)只在持卡人/會員光顧發卡公司可能不時指定的商戶(各稱「商戶」)時適用於持卡人/會員。就每次使用本計劃的交易而言：

(a) 任何已對本計劃及交易提交的要求，均不能取消、變更或撤銷。本計劃是否有效，須受限於賬戶狀況查核及發卡公司絕對酌情決定最終接納與否。

(b) 交易總額會在客戶信貸限額中扣除。每筆分期付款均不得取消並會每月從賬戶支取。任何退回或交換產品將不會影響在本計劃下的付款責任；及

(c) 發卡公司及商戶可全權酌情決定本計劃不可與任何其他優惠項目同時使用。所有與本計劃有關的事宜及爭議，須以發卡公司最終決定為依據。

4. 費用及收費

4.1 發卡公司將為持卡人/會員使用此卡而設一賬戶(簡稱「賬戶」)。發卡公司有權從此賬戶支取所有交易之款項和所有費用、收費、利息、欠款和其他據本合約應付的款額(統稱為「費用」)。

4.2 發卡公司將每月向持卡人/會員發出賬戶的月結單(簡稱「月結單」)，詳列所有交易及費用(簡稱「月結單總結欠」)及到期繳付日(簡稱「付款限期」)。若自上一期月結單後沒有任何交易而賬戶的貸方或借方結餘亦少於發卡公司不時訂定的金額(現時為港幣二十元)的話，發卡公司可以不向持卡人/會員發出月結單。

4.3 除發卡公司可使用其權利要求持卡人/會員在付款限期之前或當日繳付月結單總結欠外，持卡人/會員將按照發卡公司列載於花旗銀行信用卡服務收費表(簡稱「服務收費表」)或不時訂定的收費率支付以下各款項給發卡公司：

(a) 最低付款額月結單上顯示的最低付款額(簡稱「最低付款額」)，但持卡人/

會員亦可償還多於最低付款額的款項。

(b) 信貸及透支超額若持卡人/會員因任何理由獲容許超越其客戶信貸限額，不論發

卡公司是否收取超額費用或即時增加臨時信用額服務之費用，發卡公司仍有權要求持卡人/會員除了須償還最低付款額外，還需繳付發卡公司任何或全部的超越客戶信貸限額的款項。

(c) 現金透支費用及現金透支利息持卡人/會員每次使用現金透支服務須繳付列載於服務收費表的

現金透支費用，而發卡公司將按有關現金透支之總額(包括現金透支費用)由現金透支提取日起直至全數繳付為止收取財務費用。所有財務費用將以每日計算和累積。月結單內之現金透支利息之實際年利率已包括現金透支費用及財務費用在內，並根據銀行營運守則所訂定的淨值法計算。

(d) 財務費用

發卡公司將每月檢討閣下的戶口情況，若戶口顯示上期月結單(簡稱「上期月結單」)所述的月結單總結欠未能在付款限期當日或之前繳付，發卡公司將就其上期月結單的未繳付之結欠由上期月結單日起直至全數存入賬戶為止，收取財務費用(根據月結單或服務收費表或發卡公司不時酌情通知的利率收取，以服務收費表所顯示的最低金額為下限)。此外，所有由上期月結單日起計的所有新交易簽賬將計入未付之結欠中，以計算各項由相關交易日起計的財務費用(即使該各項新交易是在本月月結單的付款限期才需付款，但有關認購或購買發卡公司任何投資產品的交易除外)。所有財務費用將以每日計算和累積。

(e) 逾期手續費若發卡公司未能在付款限期當日或之前全數收到最低付款額，

發卡公司將收取列載於服務收費表上之逾期手續費。

(f) 服務費用發卡公司將於其指定日期向持卡人/會員之賬戶收取列載於服務

收費表上不可退還的年費。發卡公司亦將就現金付款或索取任何有關此卡紀錄之服務，從賬戶收取列載於服務收費表上的服務費用。

(g) 退票/自動轉賬退回的收費若付款入賬的支票不能兌現或自動轉賬之授權被拒絕或撤銷，

發卡公司將從賬戶中收取列載於服務收費表上的退回手續費。

(h) 補發新卡費如須補發此卡，持卡人/會員將須支付列載於服務收費表上的手

續費。

(i) 外幣匯票託收費用若持卡人/會員以港幣以外之其他貨幣付款，該筆付款只將在發

卡公司收到後及扣除所有收款費用後，才存入賬戶中。

(j) 超額費用若所使用信貸額超出客戶信貸限額，發卡公司將按收費表收取

超額費用。

(k) 賬目調查手續費就每項不成立之賬目調查，發卡公司將收取列載於服務收費表

上的賬目調查手續費。

(l) 拖欠財務費用發卡公司將每月檢閱信用卡戶口以決定是否收取拖欠財務費用。

若該戶口顯示發卡公司未能在任何月結單的付款限期或之前收到該月結單的最低付款額，發卡公司將就該月結單之隔一期後的月結單未繳付之結欠及該月結單之隔一期後的月結單日起之所有新簽賬收取拖欠財務費用(列載於服務收費表上)以取代財務費用，即使該各項新交易是在該月結單的付款限期日才需付款。該拖欠財務費用將繼續適用直至發卡公司在任何連續六期月結單的付款限期或之前均收到相關月結單的最低付款額為止，此後財務費用將在適用時開始徵收。拖欠財務費用將每日計算和累積。

(m) 支票提取賬戶盈餘手續費若持卡人/會員以支票提取賬戶盈餘，發卡公司將收取列載於服

務收費表上的手續費用。

(n) 補發月結單手續費若持卡人/會員申請補發月結單，發卡公司將收取列載於服務收

費表上的手續費。

(o) 申請補發簽賬存根手續費若持卡人/會員申請補發簽賬存根，發卡公司將收取列載於服務

收費表上的手續費。

(p) 查閱個人資料手續費若持卡人/會員要求查閱個人資料，發卡公司將就每項個人資料

查閱收取列載於服務收費表上的手續費。

(q) 即時增加臨時信用額手續費持卡人/會員若使用即時增加臨時信用額服務，需就獲批的臨時

信用額的全數繳付列載於服務收費表上的手續費。

(r) 動態貨幣兌換費在香港以外地區進行的任何動態貨幣兌換交易，而交易的金額

以港元從賬戶中扣除的話，該交易將會被徵收服務收費表所訂明的動態貨幣兌換費。

(s) 免息分期付款計劃取消交易手續費不論任何原因，若取消免息分期付款計劃，將會被徵收服務收

費表所訂明的取消交易手續費。

(t) 郵寄月結單費用若持卡人/會員收取郵寄月結單，發卡公司將收取列載於服務收


4.4 以非港幣之貨幣達成的交易付款，發卡公司將會按由VISA/

MasterCard/American Express在折算日從國際市場兌換率中選擇的兌換率折算為港幣。此等交易亦將另外收取列載於服務收費表上的手續費。

4.5 持卡人/會員同意，持卡人/會員須負全責確保及時收到所有月結單，並當未能及時收到時向發卡公司作出查詢及要求領取該份月結單。持卡人/會員並承諾核實每份月結單是否正確。如有任何差異、錯漏、錯誤或不正確的記項或詳情，持卡人/會員應於月結單日期起六十天內通知發卡公司。在該段期間終結後，有關的發卡公司紀錄及月結單詳情，應為針對持卡人/會員的確證，除了已通知發卡公司的任何指稱錯誤，以及發卡公司行使權利以調整及修訂任何記項

6.2 在持卡人/會員通知發卡公司其遺失或被盜取卡/個人密碼或其他人知道其個人密碼前，持卡人/會員均須對透過此卡實行的所有交易(不論持卡人/會員授權與否)負責。不過，如損失並不是因持卡人/

會員的欺詐行為，或嚴重疏忽，或違反條款6.1而引致的，持卡人/

會員對未經授權交易要承擔的責任則以港幣五百元為上限。上述所提及持卡人/會員的承擔金額上限，並不適用於自動櫃員機使用此卡(不論是否發卡公司之自動櫃員機)的交易。

6.3 若此卡遺失或被竊，發卡公司無義務補發新卡給持卡人/會員。如發卡公司同意補發新卡，持卡人/會員在使用該補發新卡時，須受本合約條款約束。

7. 發卡公司的權利

7.1 持卡人/會員同意發卡公司可以隨時毋須事前通知，從持卡人/會員於發卡公司及花旗銀行開設之任何形式及任何貨幣的賬戶，無論該些賬戶是持卡人/會員獨自或與其他人仕共同擁有，抵銷或調動所存之任何款項，以償還持卡人/會員使用此卡之任何貨幣的欠款。若某些欠款因某些待發事件尚未需要償還，發卡公司及花旗銀行有權暫停支付相等於欠款額的賬戶存款給持卡人/會員，直至此待發事件發生為止。

7.2 此卡乃屬於發卡公司所有，不得轉讓。若發卡公司要求，持卡人/

會員必須盡快交還此卡。

7.3 持卡人/會員同意(a)發卡公司、(b)任何其集團公司及/或(c)任何其第三方供應商，可為遵照任何法律或規章，就預扣、入息稅、增值稅、任何物業出售或處置稅、徵稅或其他合法收取款項(統稱“已收取款項”)，從向持卡人/會員或持卡人/會員的賬戶或任何持卡人/

會員的賬戶支付的任何款項中，或從持卡人/會員的賬戶或任何賬戶中，預扣或扣減款項或金額與已收取款項相等的款項。任何已收取款項須根據相關規定依時向有關機關支付。持卡人/會員會在合理可行範圍內盡早獲通知任何已收取款項。持卡人/會員確認發卡公司將無須向持卡人/會員償付被付款設施供應商預扣或扣減的任何款項。此外，以發卡公司或任何其集團公司或其第三方服務供應商現時或已經以其資金支付或現時或將會被要求向機關支付應屬於但當時並非已收取款項的金額為限，持卡人/會員須向發卡公司彌償有關款項，連同與其相關的任何利息及罰款。持卡人/會員明白發卡公司無須就機關所提出的任何付款要求提出反對。

8. 個人資料

8.1 持卡人/會員同意發卡公司不時收取有關持卡人/會員之個人資料，可根據發卡公司不時備有供客戶索取之不時生效的有關個人資料(

私隱)條例的政策聲明，為其所述的目的，供任何集團公司或第三方服務供應商及有關個人資料(私隱)條例的政策聲明中所述人士(不論在香港境內或境外)，及為遵從任何法律或規章或應任何法院、法律程序、審計或任何機關的調查所規定而供有關機關使用、保存、向其披露及/或轉移。即使有任何適用的不披露協議存在，前述內容亦應適用。持卡人/會員確認有關個人資料及戶口資料或記錄可以轉移至沒有嚴格資料保障或資料私隱法律的司法管轄區。

8.2 持卡人/會員同意發卡公司不時生效的有關個人資料(私隱)條例的政策聲明將全面適用於此卡及賬戶及隨之而生或與之有關之所有事項。

8.3 持卡人/會員明白及同意其必須不時應發卡公司要求向發卡公司提供令發卡公司或任何其集團公司可遵從任何法律或規章的資料。

8.4 持卡人/會員確認，在其事先向發卡公司表示同意的前提下，發卡公司可在持卡人/會員透過本協議指定的電話服務給予指示時，使用語音確認技術來收集及分析持卡人/會員的聲紋生物辨識數據，以作核實身分之用。

9. 電子月結單/電子通知書服務

9.1 通過登記和使用發卡銀行以電子方式提供電子賬戶月結單及/或指定通知書(分別簡稱「電子月結單服務」及「電子通知書服務」)，持卡人/會員接受及同意受本合約第9條款約束。在登記電子月結單服務及/或電子通知書服務後，持卡人/會員將不會再收到月結單及/

或指定通知書的印本文件 (指定通知書包括閣下於網頁www.citibank.com.hk/e-advice不時列出種類的通知書)。持卡人/會員同意遵從任何及所有現時或此後制定、頒佈或執行並適用於電子月結單服務及/或電子通知書服務的法律、法規、規定及官方指引，以及發卡公司不時向持卡人/會員提供，藉以規管有關電子月結單服務及/或電子通知書服務使用其他設施、優惠或服務的其他條款及條件。

9.2 持卡人/會員同意，若發卡公司成功將與電子月結單服務及/或電子通知書服務有關的電郵(如適用)送遞往持卡人/會員指定的電郵地址，應視為將每月結單及/或指定通知書送交持卡人/會員。若發卡公司未能將電子月結單服務及/或電子通知書服務有關的電郵送遞往持卡人/會員指定的電郵地址，或基於任何理由，儘管持卡人/會員登記電子月結單服務及/或電子通知書服務，發卡公司可全權酌情決定將任何帳戶月結單及/或通知書郵寄往持卡人/會員最新登記的郵遞地址。

9.3 發卡公司可不時酌情決定修改、限制、撤銷、取消、暫停或中止電子月結單服務及/或電子通知書服務，而毋須給予任何理由或事前通知。發卡公司保留權利，可透過事先向持卡人/會員發出通知隨時全權酌情決定不時就電子月結單服務及/或電子通知書服務徵收費用。

9.4 持卡人/會員明白到，電子月結單服務及/或電子通知書服務須要求持卡人/會員擁有適當的互聯網及電訊服務及具有適當的設備，持卡人/會員應保持使用電子月結單服務及/或電子通知書服務的設備穩妥可靠。

9.5 基於使用電子月結單服務及/或電子通知書服務，持卡人/會員承諾向發卡公司提供其最新及正確的電郵地址。

9.6 若發卡公司在合理重試後，仍未能將有關電子月結單服務及/或電子通知書服務的電郵送遞給持卡人/會員，電子月結單服務及/或電子通知書服務將自動取消。發卡公司並會恢復向持卡人/會員印發月結單及/或通知書。

9.7 若持卡人/會員擬取消電子月結單服務及/或電子通知書服務的登記，須於下期月結單/下一張通知書日期前不少於10個工作天前透過Citibank網上理財，或於下一個結單/下一張通知書日期前最少15

個工作天致電Citibank電話理財服務熱線2860 0333/白金卡服務專線2860 0360(僅供花旗銀行白金卡持卡人使用)/Ultima服務專線2860 0308(僅供Citi ULTIMA會員使用)/Citi Prestige服務專線

2860 0338(僅供花旗銀行Citi Prestige持卡人使用)/American

Express服務專線2860 0366(僅供Citibank Cash Back American

Express® Card會員使用)或前往花旗銀行分行，通知發卡公司。在取消電子月結單服務及/或電子通知書服務的登記後，發卡公司將恢復向持卡人/會員印發月結單及/或通知書。

9.8 持卡人/會員同意，發卡公司毋須就持卡人/會員的數據、軟件、電腦、電訊設備或其他設備因持卡人/會員使用電子月結單服務及/或電子通知書服務所導致的(包括但不限於)任何損失、損害或支出而承擔任何責任，除非純粹直接因發卡公司疏忽或蓄意錯失所致，則作別論。

9.9 持卡人/會員同意發卡公司應以合理努力，確保電子月結單服務及/

或電子通知書服務的安全性及確保未獲授權的第三方不能進入使用。但是，持卡人/會員確認，發卡公司對於電子月結單服務及/或電子通知書服務通過在任何司法管轄區內任何適用的互聯網服務供應商、網絡系統或其他同類型系統所傳送的任何資料的保安、保密或機密事宜，並不保證。持卡人/會員確認其明白並接受所有使用電子月結單服務及/或電子通知書服務可能涉及的風險，包括但不限於電子月結單服務及/或電子通知書服務在未經持卡人/會員授權的情況下被截斷、監察、修改、竄改或被送遞或披露予其他方。

9.10 電子月結單服務及/或電子通知書服務使用發卡公司的、發卡公司的附屬公司或其他軟件供應商的專有權軟件。持卡人/會員同意發卡公司已就電子月結單服務及/或電子通知書服務向持卡人/會員授予使用該軟件的非專用特許，此特許僅容許持卡人/會員使用該軟件作預定之用途。持卡人/會員同意不會進行任何有關該軟件的分拆、解編、複製、更改或還原工程，亦不會准許任何其他人士進行上述事項。

10. Citi Alerts即時短訊服務

10.1 持卡人/會員同意，通過登記及使用本公司透過電訊設備傳達提示的服務(簡稱「Citi Alerts即時短訊服務」)，即代表持卡人/會員接受並同意受本合作約第10條款約束，並支付與使用Citi Alerts即時短訊服務的任何費用。持卡人/會員同意遵從任何及所有現時或此後制定、頒佈或執行並適用於Citi Alerts即時短訊服務的法律、法規、規定及官方指引，以及發卡公司不時向持卡人/會員提供，藉以規管有關Citi Alerts即時短訊服務使用其他設施、優惠或服務的其他條款及條件。

10.2 持卡人/會員須負責其電訊設備的保安，並須採取一切合理的防範措施以防任何第三者接觸到任何機密資料。發卡公司將不會為任何

機密資料的披露而負上任何法律責任。

10.3 持卡人/會員同意發卡公司應以合理努力，確保Citi Alerts即時短訊服務的安全性及確保未獲授權的第三方不能進入使用。但是，持卡人/會員確認，發卡公司並不保證通過Citi Alerts即時短訊服務所傳送的任何資料的保安、保密或機密事宜。持卡人/會員確認其明白並接受所有使用Citi Alerts即時短訊服務可能涉及的風險，包括但不限於Citi Alerts即時短訊服務在未經持卡人/會員授權的情況下被截斷、監察、修改、竄改或被送遞或披露予其他方。

10.4 持卡人/會員確認，任何持卡人/會員透過其電訊設備所收到的Citi

Alerts即時短訊服務的任何資料，均只作持卡人/會員(而非任何其他人士)的參考用途，不應將之作為與其有關事宜之不可推翻的證據。

13. 其他

13.1 發卡公司可在任何時間在毋須事先通知持卡人/會員的情況下，將其在本合約內的任何或所有權利或業務轉移、轉讓、轉授或分包予任何人仕。在無損於前文所述的情況下，如發卡公司合理認為為發卡公司遵從任何法律或規章而合理所需，發卡公司亦可將發卡公司在本協議內之全部或部份權益和義務及賬戶中的任何款項轉移給任何集團公司。

13.2 所有發卡公司發出之通知、月結單或書信可以書面通知、月結單附件或通知書、電子郵件訊息或印在月結單或通知書上訊息或透過發卡公司認為恰當之任何其它形式。所有此等發卡公司發出之通知，月結單或書信在向持卡人/會員最後在發卡公司登記的地址發送後即為有效發出，並在該等通訊方式之通常遞送時間內視為已由持卡人/會員收取。

13.3 發卡公司特此被授權(但並非必須)接納經以下方式發出的指示：

(a) 據稱由持卡人/會員發出的電話、電傳電報、郵寄、傳真傳輸或書面指示；或

(b) 以發卡公司不時指定的方式透過電子途徑(包括電子郵件及短訊)

發出的指示，儘管有任何錯誤、誤解、欺詐、偽造或在條款上不清晰或欠缺授權，不須發卡公司查詢有關人士作出或據稱給予此等指示的權限或身份，或查詢它們是否真實。但如發卡公司合理相信執行有關指示，(a)發卡公司、(b)任何其集團公司及/

或(c)任何其第三方服務供應商可能違反法律或規章，發卡公司可拒絕執行有關指示。發卡公司將無須就持卡人/會員因在本條款下的指示遭拒絕執行而蒙受的任何損失或損害向持卡人/會員負責。

13.4 本合約條款之中文翻譯本僅作指引參考用。如中、英文本有任何差異，將以英文本為準。

13.5 除文意需另作解釋，否則，所有本合約內有單數含義之字眼亦包括雙數含義，而有雙數含義之字眼亦包括單數含義，如適當時所有男性之字眼亦包括女性和/或中性。

本合約之標題僅作參考用途，並不影響本合約之詮譯。

13.6 本合約受香港法律管轄並應根據香港法律詮譯。持卡人/會員茲此同意接受香港法庭的非專屬性司法管轄權。

13.7 此等條款、本合約，及/或持卡人/會員與發卡公司之間的所有任何其他協議、文件、票據或安排的任何規定，不論明示或暗示，既非旨在亦不會賦予任何人如非因香港法例第623章《合約(第三者權利)

條例》的條文而不會享有的任何強制執行條款的利益或權利。

10.5 發卡公司及發卡公司為提供Citi Alerts即時短訊服務而指定之任何電訊公司，均不會為任何未能或延遲向持卡人/會員傳送資料或資料中的任何錯誤或偏差而負上任何法律責任或責任，除非該責任由發卡公司或該電訊公司引致的任何疏忽或故意失責所造成。持卡人/

會員明白，發卡公司及任何該電訊公司均不會為其合理控制範圍外任何原因所引致之後果(包括但不限於持卡人/會員的電訊設備因任何原因未能接收資料、任何電訊故障、互聯網服務供應商失靈、電力故障、設備或裝置失靈、停頓、受到干擾或有所不足、天災、政府行為、內亂、罷工、戰爭、火災、水災或爆炸)負上任何法律責任或責任。

10.6 持卡人/會員明白支持Citi Alerts即時短訊服務的第三方(包括發卡公司指定的電訊公司)並非發卡公司的代理，亦不代表發卡公司，且與發卡公司並無合作、合夥、聯營或其他關係。發卡公司不會為該第三方(包括系統營運者)引致的任何損失負上責任。

10.7 Citi Alerts即時短訊服務使用發卡公司的、發卡公司的附屬公司及/

或其他軟件供應商的專有權軟件。持卡人/會員同意發卡公司已就Citi Alerts即時短訊服務向持卡人/會員授予使用該軟件的非專用特許，此特許僅容許持卡人/會員使用該軟件作預定之用途。持卡人/

會員同意不會進行任何有關該軟件的分拆、解編、複製、更改或還原工程，亦不會准許任何其他人士進行上述事項。

11. 取消

11.1 發卡公司保留權利並可以在毋需給與持卡人/會員任何理由或事先通知下，收回、暫停、延長或更改任何提供給持卡人/會員的設施或服務、提高或降低客戶信貸限額、信貸限額或現金透支限額、收回任何或所有此卡、結束賬戶或終止本合約。在不局限發卡公司上述權利及作為實例說明，發卡公司可能在下述情況下行使該等權利，例如持卡人/會員違反本合約之任何條款、沒有支付到期款項或開始或面對破產、償債或類似行為或訴訟或為了令任何法律或規章可獲遵從。

11.2 持卡人/會員須以書面通知發卡公司終止本合約。

11.3 發卡公司可以(無論有否暫停或減少信貸，或收回此卡，或終止本合約)要求持卡人/會員立刻償還賬戶內全部之欠款。即使本合約經已終止，持卡人/會員仍須負擔因本合約所產生或仍然存在之責任。

11.4 如發卡公司不論因任何原因終止此合約，發卡公司有權於合約終止後六個月內任何時間向持卡人/會員發出任何卡以取替此卡。

12. 修訂

12.1 發卡公司保留權利可隨時透過事先通知修訂本合約之條款，包括但不限於就任何收費或費用之定率和付款方式作出的任何修訂。該新修訂條款將根據適用的營運守則從發卡公司指定之日期生效。

12.2 若持卡人/會員拒絕接受發卡公司之新修訂，持卡人/會員須在該修訂生效前停止其賬戶。

12.3 持卡人/會員在發卡公司發出有關新修訂通知生效日期後使用此卡所作之交易將被視為持卡人/會員無條件地接受並同意該新修訂。


5. 費用支付












Cash Back American Express® Card會員使用)，通知發卡公司。








2. 此卡的使用














4. 費用及收費










(d) 財務費用









續費。




超額費用。


































8. 個人資料






























13. 其他




















11. 取消





12. 修訂





5. 費用支付












Cash Back American Express® Card會員使用)，通知發卡公司。








2. 此卡的使用














4. 費用及收費










(d) 財務費用









續費。




超額費用。


































8. 個人資料






























13. 其他




















11. 取消





12. 修訂




Citi信用卡由花旗銀行(香港)有限公司所發行。© 2018 Citibank Citi and Arc Design is a registered service mark of Citibank, N.A. or Citigroup Inc. Citibank (Hong Kong) Limited

applicable from time to time. Cash deposits through a customer activated terminal of the Company will be credited to the Account in the amount confirmed by the cash count of the Company's staff members or its agents.

5.2 If the Cardholder / Cardmember fails to pay any sum due or payable hereunder, the Company may appoint debt collection agencies to collect the same. If the Company has incurred any legal or collection fees or other expenses for the purpose of demanding, collecting or suing to recover any sum payable hereunder from the Cardholder / Cardmember or other remedies resulting from the breach or non-compliance with any term of this Agreement, the Cardholder / Cardmember will reimburse the Company all such legal fees as taxed by the court on a common fund basis (fees and disbursements which are of a reasonable amount and reasonably incurred) unless otherwise agreed. Other reasonable fees and expenses (including the fees of the debt collection agencies) reasonably incurred in that connection will be reimbursed by the Cardholder / Cardmember up to a maximum of 30% of the original outstanding sum.

5.3 The Cardholder / Cardmember will directly settle disputes between merchants and the Cardholder / Cardmember for goods and services purchased. The Company will not be responsible for goods and services supplied by merchants or for refusal of any merchant to accept or honour any Card. Credits to the Account for refunds made by merchants will be made only when the Company receives a properly issued credit voucher.

5.4 Payments to the Company will only be deemed to be received by the Company and credited to the Account when received in good and cleared funds and if in foreign currency, after conversion by the Company into Hong Kong dollars in accordance with its normal practice, and without any set-off, claim, condition, restriction, deduction or withholding whatsoever.

5.5 Payments and credits to the Account may be applied in the following order: (1) legal and debt collection fees; (2) finance charges; (3) cash advance charges; (4) all other applicable fees and charges including but not limited to cash advance fees, late charges, over limit charges, service, return check / reject autopay, card replacement and charge dispute handling fees; (5) outstanding installments of any Plan or other installment programs of the Company; and (6) the outstanding principal amount of other Transactions (where such Transactions are subject to different finance charge rates, in the application order from the Transactions with the highest rate to the lowest rate); or in any other order as the Company considers appropriate without prior reference to the Cardholder / Cardmember.

5.6 You agree that we may debit your Card Account to make a partial or full refund of your credit balance by sending a check to the address last notified by you, at any time without prior notice.

5.7 Without prejudice to the other terms of this Agreement, if the Cardholder / Cardmember should be absent from Hong Kong for some time, arrangements to settle the Charges should be made prior to his departure.

6. LOSS OR THEFT OF THE CARD 6.1 The Cardholder / Cardmember shall observe and follow any

recommendation of the Company from time to time regarding the security of the card and the PIN. The Cardholder / Cardmember must inform the Company as soon as reasonably practicable through the Company's CitiPhone Banking 2860 0333 / Platinum Service Line 2860 0360 (for Citibank Platinum Cardholders only) / Ultima Service Line 2860 0308 (for Citi ULTIMA Members only) / Citi Prestige Service Line at 2860 0338 (for Citi Prestige Cardholders only) / American Express Service Line 2860 0366 (for Citibank Cash Back American Express® Cardmembers only) if any card is lost or stolen or when someone else knows his PIN.

6.2 The Cardholder / Cardmember shall be fully liable for any transactions (whether or not authorized by him) effected by the use of the Cards before he has informed the Company that the Card/PIN has been lost or stolen or that someone else knows the PIN. However, provided that the Cardholder / Cardmember has not acted fraudulently, with gross negligence or in breach of Clause 6.1, the Cardholder’s / Cardmember's

CITI CREDIT CARD AGREEMENTTERMS AND CONDITIONS

(Applicable to Citi ULTIMA/Citi Prestige Card/Citi PremierMiles Card/Citi Cash Back Card/Citi Cash Back American Express® Card/Citi Rewards Card/Citi Clear Card/Classic Card/Citi Gold Card)

(Effective on March 29, 2018)Citi Credit Card ("Card") is issued by Citibank (Hong Kong) Limited (the "Company") to you ("Principal Cardholder / Cardmember") and any person nominated by the Principal Cardholder / Cardmember and approved by the Company to receive a Supplementary Card ("Supplementary Cardholder / Cardmember") upon the following terms. By signing or using the Card, the Principal Cardholder / Cardmember and any Supplementary Cardholder / Cardmember (each a and together the "Cardholder / Cardmember") jointly and severally agree or confirm their agreement to abide by and, with the exception that a Supplementary Cardholder / Cardmember shall not be liable for the debts of the Principal Cardholder / Cardmember or other Supplementary Cardholders / Cardmembers, be liable for any payment to the Company in connection with the following terms: 1. CARDHOLDER’S / CARDMEMBER'S INFORMATION 1.1 The Cardholder / Cardmember understands that the Company issues the

Card on the basis that information provided by the Cardholder / Cardmember is and will remain true and correct. The Cardholder / Cardmember will inform the Company immediately in writing upon any change of such information including that on employment, business or residential address, permanent residence or telephone number.

1.2 The Cardholder / Cardmember agrees to the Company recording the telephone conversations between the Cardholder / Cardmember and the Company.

2. USE OF CARD 2.1 The Cardholder / Cardmember will (a) sign the Card upon receipt

(adopting the same signature in the application form or such other documents as may be prescribed by the Company); (b) keep the Card under his personal control at all times, and should not authorize any third party to use the Card in any manner; (c) not exceed the credit limit assigned by the Company from time to time at its discretion ("Customer Credit Limit"); (d) not exceed the cash advance limit (which forms part of the Customer Credit Limit) assigned by the Company from time to time at its discretion ("Cash Advance Limit"); (e) not exceed the loan limit assigned by the Company from time to time at its discretion ("Loan Limit"); and (f) not use the Card after it is withdrawn or cancelled.

2.2 The Cardholder / Cardmember will keep any personal identification number ("PIN") in connection with the use of the Card strictly confidential and immediately inform the Company if the PIN is known to any other person. The Cardholder / Cardmember will accept full and sole responsibility for and fully indemnify the Company against all consequences, losses and / or other liabilities incurred as a result of the PIN being known to another person for whatsoever reason.

2.3 When using the Card, the Cardholder / Cardmember should ensure that the signature in the sales draft is the same as the signature appearing on the application form (or such other documents as may be prescribed by the Company) and the Card for the Company’s verification purpose. For the avoidance of doubt, failure to do so will not relieve the Cardholder / Cardmember from liability for the use of the Card. The Cardholder / Cardmember should submit prior written application to the Company if he wants to adopt a new signature for the use of his Card.

3. TRANSACTIONS EFFECTED THROUGH CARD 3.1 The Card may be used at any branch of the Company and other financial

institutions and merchants, which accept the Card for effecting purchases of goods and services, drawing of cash advance, payment of the Cardholder’s / Cardmember's outstanding accounts and such other credit card facilities or services as the Company may from time to time provide or arrange.

3.2 The Cardholder / Cardmember will be liable for all transactions ("Transactions") effected through the use of the Card even if no sales draft is signed by him and/or the Customer Credit Limit is exceeded. Types of Transactions effected without the Cardholder’s / Cardmember's signature may include, without limitation, orders placed by telephone,

fax, mail or electronic means, direct debit authorization, or use of the Card in an automated teller machine (whether or not such a device is that of the Company), at merchant's point of sale terminal, in a credit card payphone or any other device approved by the Company from time to time.

3.3 The Cardholder / Cardmember is not authorized to use the Card to take part in any illegal acts (including unlawful internet gambling). The Company reserves the right to decline processing or paying any Transaction which the Company suspects to be involved in illegal gambling or which may be illegal under any applicable laws.

The Company further reserves the right to refuse to process or pay any Transaction if the Company reasonably believes that by processing or paying the Transaction, (a) the Company, (b) Citigroup Inc. and its group of companies, including the Company (the “Group Companies”), and/or (c) any third party selected by the Company or any of its Group Companies to provide services to it and who is not a payment infrastructure provider (meaning a third party that forms part of the global payment system infrastructure, including without limitation, communications, clearing or payment systems, intermediary banks and correspondent banks (the “Payment Infrastructure Provider”)) (the “Third Party Service Providers”) may break (i) the law or regulation of any jurisdiction, domestic or foreign, or (ii) any agreement entered into between the Company and any competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign (the “Authorities”) ((i) and (ii) collectively referred to as the “Law or Regulation”). The Company will not be liable to the Cardholder / Cardmember for any loss or damage suffered by the Cardholder / Cardmember resulting in any way from a refusal to process or pay a Transaction under this clause.

3.4 Subject to the relevant terms hereunder, the Interest-Free Installment Plan (the “Plan”) is only applicable to the Cardholder / Cardmember at such merchants as may be designated by the Company from time to time (each a “Merchant”). In respect of each Transaction using the Plan:

(a) any submitted request for the Plan and the Transaction itself cannot be cancelled, altered or reversed. Availability of the Plan is subject to account status checking and the final acceptance by the Company in its absolute discretion;

(b) the full Transaction amount will be held from the Customer Credit Limit. Each installment is irrevocable and will be debited monthly from the Account. Any return or exchange of products will not affect the payment obligations under the Plan; and

(c) the Plan cannot be used in conjunction with any other promotional offers as determined by the Company and the Merchant in their sole discretion. All matters and disputes relating to the Plan are subject to the final decision of the Company.

4. CHARGES 4.1. The Company will maintain an account ("Account") in respect of the Card

to which the values of all Transactions and all charges, fees, interests, outstanding balances and other sums payable ("Charges") will be debited.

4.2 The Company will issue to the Cardholder / Cardmember a monthly statement (“Statement”) of the Account setting out details of all Transactions and Charges (“Statement Balance”) and the date by which payment must be made (“Payment Due Date”). However, the Company may not issue a Statement to Cardholder / Cardmember if there has been no Transaction since the last Statement, and the credit or debit balance is less than such amount as may be determined by the Company from time to time (currently HKD20.00).

4.3 Subject to the Company's right to require the Cardholder / Cardmember to pay the full amount of the Statement Balance on or before the Payment Due Date, the Cardholder / Cardmember will pay to the Company the following sums at such rates as shown in the Citi Credit Card Fees Schedule (“Fees Schedule”) or as may be determined by the Company from time to time:-

(a) Minimum Payment Due The "Minimum Payment Due" as shown on the Statement

("Minimum Payment Due") although the Cardholder / Cardmember may pay any larger sum he wishes.

(b) Credit Excess In addition to the Minimum Payment Due, the Company may,

notwithstanding any imposition of over limit charge or instant temporary Customer Credit Limit upgrade fee, require payment of any or all of the excess beyond his Customer Credit Limit, if for whatsoever reason the Cardholder / Cardmember has been allowed to incur such excess.

(c) Cash Advance Fee and Charge A cash advance fee as shown in the Fees Schedule will be charged on

each cash advance drawn by the Cardholder / Cardmember and the aggregate amount of the cash advance (including the cash advance fee) will be subject to the applicable finance charge from the date when the cash advance is drawn until the entire amount of the outstanding cash advance balance is credited to the Account. All finance charges will be calculated and accrued on a daily basis. The total of cash advance fee and finance charge will be shown as a cash advance charge on the Statement in an Annualized Percentage Rate which is calculated according to the Net Present Value method as specified in the Code of Banking Practice.

(d) Finance Charge The Company will review the Account monthly, if the Account reveals

that the entire amount of the Statement Balance stated in the previous Statement (“Previous Statement”) is not so received on or before the Payment Due Date of the Previous Statement, a finance charge (as stipulated in the Statement or Fees Schedule or notified by the Company to the Cardholder / Cardmember from time to time at its discretion subject to a minimum amount as shown in the Fees Schedule) will be charged on the unpaid balance of the Previous Statement from the Previous Statement date until full payment is credited to the Account. All new Transactions incurred since the Previous Statement date (except for Transactions relating to the subscription or purchase of any investment product with the Company) will be added to the unpaid balance for the purpose of assessing finance charge as from the respective dates of such Transactions notwithstanding that such Transactions will not be payable until the Payment Due Date stated in the current Statement. All finance charges will be calculated and accrued on a daily basis.

(e) Late Charge A late charge as specified in the Fees Schedule is charged if the full

amount of Minimum Payment Due is not received by the Company on or before the Payment Due Date.

(f) Service Fee A non-refundable annual fee as specified in the Fees Schedule will be

charged to the Account on a date stipulated by the Company. A service fee as specified in the Fees Schedule will be charged to the Account for any payment through cash deposit or for retrieval of any records in connection with the Card.

(g) Return Check / Reject Autopay Fee A return handling fee as specified in the Fees Schedule will be

charged for any check issued in settlement of account which is dishonoured by the bank on which it is drawn or in relation to any autopay authorization which is either dishonoured or revoked.

(h) Lost Card Replacement Fee A handling fee as specified in the Fees Schedule will be charged for

the issuance of any replacement Card. (i) Collection Fee If payment is made by the Cardholder / Cardmember in a currency

other than Hong Kong dollars, the Account will only be credited with such payment after its receipt and deduction of all collection costs.

(j) Over Limit Charge An over limit charge as specified in the Fees Schedule will be charged

if the credit used exceeds the Customer Credit Limit. (k) Charge Dispute Handling Fee A charge dispute handling fee as specified in the Fees Schedule will

be imposed for any dispute proved to be invalid after investigation. (l) Default Finance Charge The Company will review the Account monthly to determine whether

default finance charge is chargeable to the Account. If the Minimum Payment Due is not received by the Company on or before the Payment Due Date specified in any Statement, a default finance charge as stated in the Fees Schedule will be charged (instead of the finance charge) on the unpaid balance of the second following Statement as well as all new Transactions incurred from the date of the second following Statement notwithstanding that all such new Transactions will not be payable until the Payment Due Date specified in that Statement. Such default finance charge will continue to apply until the respective Minimum Payment Due in any six consecutive Statements is received on or before the Payment Due Date specified in the relevant Statement, after which the finance charge will, where applicable, apply. The default finance charge will be calculated and accrued on a daily basis.

(m) Credit Balance Withdrawal by Check Handling Fee A handling fee as specified in the Fees Schedule will be charged for

each credit balance withdrawal by check. (n) Statement Retrieval Fee A handling fee as specified in the Fees Schedule will be charged for

request for retrieval of statement. (o) Sales Draft Retrieval Fee A handling fee as specified in the Fees Schedule will be charged for

request for retrieval of sales draft. (p) Personal Data Access Request A handling fee as specified in the Fees Schedule will be charged for

each personal data access request. (q) Instant Temporary Customer Credit Limit Upgrade Fee A handling fee as specified in the Fees Schedule will be charged on

the full amount of the instant temporary upgraded credit limit granted to the Cardholder / Cardmember.

(r) Dynamic Currency Conversion Fee A dynamic currency conversion fee as specified in the Fees Schedule

will be charged with respect to any dynamic currency conversion transaction effected in places outside Hong Kong for which the value of the Transaction is debited to the Account in Hong Kong dollars.

(s) Interest-Free Installment Plan Cancellation Handling Fee A handling fee as specified in the Fees Schedule will be charged in the

event of cancellation of Interest-Free Installment Plan. (t) Paper Statement Fee A handling fee as specified in the Fees Schedule will be charged for

receiving paper statement. 4.4 Transactions which are effected in currencies other than Hong Kong

dollars are converted from the transaction currency into Hong Kong dollars at a wholesale market rate selected by VISA / MasterCard / American Express from within a range of wholesale market rates on the conversion day. A handling charge as specified in the Fees Schedule will also be charged on such transactions.

4.5 The Cardholder / Cardmember agrees that it is the Cardholder’s / Cardmember’s sole responsibility to ensure that every Statement is received in due time and to enquire with and obtain the same from the Company forthwith if not duly received. The Cardholder / Cardmember undertakes to verify the correctness of each Statement and to notify the Company within 60 days from the date of the Statement of any discrepancies, omissions, errors or wrong or incorrect entries or details. At the end of each such period, the Company’s records and the details of the Statements shall be conclusive evidence against the Cardholder / Cardmember without any further proof that they are correct except as to any alleged errors so notified and subject to the Company’s right to adjust and amend (which may be exercised by the Company at any time) any entries or details wrongly or mistakenly made by the Company.

5. PAYMENT OF CHARGES 5.1 Payments to the Company may be made by such means as the Company

will from time to time stipulate. If payments are made through a customer activated terminal of or other payment means acceptable to the Company, such payments will be subject to the Company's terms and conditions from time to time applicable thereto, including those set out in transaction records and deposit envelopes used in connection therewith

maximum liabilities for such unauthorized transactions shall not exceed HKD500.00. The application of the aforesaid limitation on liability of the Cardholder / Cardmember does not apply to loss related to transactions resulting from use of Card in automated teller machine (whether or not such device is that of the Company).

6.3 The Company will not be obliged to issue a replacement Card to the Cardholder / Cardmember if his Card is lost or stolen. If the Company agrees to issue a replacement Card, its use will be subject to the terms of this Agreement.

7. RIGHTS OF THE COMPANY 7.1 The Cardholder / Cardmember hereby agrees that the Company may, at

any time and without prior notice, set off or transfer any monies standing to the credit of the Cardholder’s / Cardmember's account with the Company and bank accounts with the Company or Citibank, N.A. of whatever description and in whatever currency and whether held singly or jointly with others towards discharge of all sums due to the Company in connection with the Card in whatever currency. Insofar as any of the sums may only be due to the Company contingently or in future, the Company's and Citibank, N.A.'s liability to the Cardholder / Cardmember to make payment of any sums standing to the credit of any such accounts will to the extent necessary to cover such sums be suspended until the happening of the contingency or future event.

7.2 Any Card issued to the Cardholder / Cardmember is and remains the property of the Company, and is not transferable. The Cardholder / Cardmember will promptly return all Cards on demand.

7.3 The Cardholder / Cardmember agrees that (a) the Company, (b) any of its Group Companies, and/or (c) any of its Third Party Providers may withhold or deduct any collected amount, meaning an amount for or on account of, or which represents, withholding, income tax, value added tax, tax on the sale or disposition of any property, duties, or any other lawfully collected amount (the “Collected Amount”), which is required to be withheld or deducted to comply with any Law or Regulation from any payment to the Cardholder / Cardmember, or to or from the Account or any of the Cardholder’s / Cardmember’s accounts. Any Collected Amount shall be timely paid to the relevant Authority in accordance with the relevant requirement. The Cardholder / Cardmember will be notified of any Collected Amount as soon as reasonably practicable. The Cardholder / Cardmember acknowledges that the Company will not be required to reimburse the Cardholder / Cardmember for any amount withheld or deducted by a Payment Infrastructure Provider. Further, to the extent the Company or any of its Group Companies or its Third Party Service Providers pays or has paid from its own funds or is or will become required to make a payment to an Authority in respect of an amount that should have been, but was not, a Collected Amount, the Cardholder / Cardmember will indemnify the Company for such payment, plus any interest and penalties thereon. The Cardholder / Cardmember understands that the Company is not required to contest any demand made by an Authority for such payment.

8. PERSONAL DATA 8.1 The Cardholder / Cardmember hereby agrees that all personal data

relating to the Cardholder / Cardmember collected by the Company from time to time may be used, held, disclosed, and/or transferred to any of the Group Companies or Third Party Service Providers and such persons (whether in or outside Hong Kong) as set out in the Policy Statement relating to the Personal Data (Privacy) Ordinance of the Company from time to time in force available by the Company to its customers from time to time for the purposes as stated in the said Policy Statement and the Authorities for compliance with any Law or Regulation or as required by or for the purpose of any court, legal process, audit or investigation of any Authority. The aforesaid shall apply notwithstanding any applicable non-disclosure agreement. The Cardholder / Cardmember acknowledges that such personal data and account information or records may be transferred to jurisdictions which do not have strict data protection or data privacy laws.

8.2 The Cardholder / Cardmember hereby agrees that the Policy Statement relating to the Personal Data (Privacy) Ordinance of the Company from time to time in force shall in all respects apply in relation to the Card and the Account and any matter arising therefrom or incidental thereto.

8.3 The Cardholder / Cardmember understands and agrees that he must provide the Company with such information as the Company may require from time to time to enable the Company or any of its Group Companies to comply with any Law or Regulation.

8.4 Subject to Cardholder / Cardmember giving prior consent to the Company to do so, the Cardholder / Cardmember acknowledges that the Company may use voice recognition technology to collect and analyze the Cardholder / Cardmember’s voiceprint biometric data for the purpose of identity verification when the Cardholder / Cardmember gives instructions through the telephone service lines designated under this Agreement.

9. E-STATEMENT /E-ADVICE SERVICES 9.1 By enrolling for and using the service in which an electronic form of

statement of account(s) and/or designated advice of account(s) will be made available by electronic means (the "e-Statement Service" & “e-Advice Service” respectively), the Cardholder / Cardmember accepts and agrees to be bound by this Clause 9. Upon enrollment for the e-Statement Service and/or the e-Advice Service, the Cardholder / Cardmember will no longer receive his Statements and/or designated advice in paper form (designated advice being the types of advice as listed on your website www.citibank.com.hk/e-advice from time to time). The Cardholder / Cardmember agrees to abide by any and all laws, rules, regulations and official issuances applicable to the e-Statement Service and/or the e-Advice Service (as the case may be), now existing or which may hereinafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services the Company may from time to time make available to the Cardholder / Cardmember in connection with the e-Statement Service and/or e-Advice Service.

9.2 The Cardholder / Cardmember agrees that the successful delivery of emails (if applicable) in connection with the e-Statement Service and/or e-Advice Service by the Company to the Cardholder’s / Cardmember’s designated email address shall be deemed to be delivery of the relevant Statement and/or designated advice to the Cardholder / Cardmember. The Company may, at its sole discretion and notwithstanding the Cardholder’s / Cardmember’s enrolment for the e-Statement Service and/or e-Advice Service, send any Statement and/or advice to the Cardholder’s / Cardmember’s last registered mailing address should the Company fail to send emails in connection with the e-Statement Service and/or e-Advice Service at the Cardholder’s / Cardmember’s registered email address or for any other reason.

9.3 The Company has the discretion from time to time to modify, restrict, withdraw, cancel, suspend or discontinue the e-Statement Service and/or e-Advice Service without giving any reason or prior notice. The Company reserves the right to impose such fee(s) for the e-Statement Service and/or e-Advice Service from time to time at its sole discretion at any time by giving prior notice to the Cardholder / Cardmember.

9.4 The Cardholder / Cardmember understands that the e-Statement Service and/or e-Advice Service are available to him provided that he has appropriate internet access and telecommunications services and equipment. The Cardholder / Cardmember shall keep such equipment used for the e-Statement Service and/or e-Advice Service secure.

9.5 The Cardholder / Cardmember undertakes to provide to the Company with his updated and correct email address in order to use the e-Statement Service and/or e-Advice Service.

9.6 Upon reasonable attempt, failing to send emails in connection with the e-Statement Service and/or e-Advice Service to the Cardholder / Cardmember with reasonable retry, the e-Statement Service and/or e-Advice Service will be automatically cancelled and the Company will resume sending Statements and/or advice in paper form to the Cardholder / Cardmember.

9.7 To cancel enrollment for the e-Statement Service and/or e-Advice Service, the Cardholder / Cardmember shall give prior notice at least 10 working days before the next Statement / advice date through Citibank online banking or at least 15 working days through CitiPhone Banking at (852) 2860 0333 / Platinum Service Line 2860 0360 (for Citibank Platinum Cardholders only) / Ultima Service Line 2860 0308 (for Citi ULTIMA Members only) / Citi Prestige Service Line at 2860 0338 (for Citi

Prestige Cardholders only) / American Express Service Line 2860 0366 (for Citibank Cash Back American Express® Cardmembers only) or Citibank branches. Upon cancellation of enrollment for the e-Statement Service and/or e-Advice Service, the Company will resume sending Statements and/or advice in paper form to the Cardholder / Cardmember.

9.8 The Cardholder / Cardmember agrees that the Company shall not be liable for any loss, damages or expenses that the Cardholder / Cardmember shall incur, including without limitation, any loss or damage caused to the Cardholder / Cardmember data, software, computer, telecommunications equipment or other equipment in connection with the Cardholder’s / Cardmember’s use of the e-Statement Service and/or e-Advice Service unless they are caused solely and directly by the Company’s negligence or willful default.

9.9 The Cardholder / Cardmember agrees that the Company shall use reasonable effort to ensure that the e-Statement Service and/or e-Advice Service are secure and cannot be accessed by unauthorized third parties. However, the Cardholder / Cardmember acknowledges that the Company does not warrant the security, secrecy or confidentiality of any information transmitted through any applicable internet service provider, network system or such other equivalent system in any jurisdiction via the e-Statement Service and/or e-Advice Service. The Cardholder / Cardmember confirms that he understands and accepts all possible risks involved in using the e-Statement Service and/or e-Advice Service including, without limitation, the e-Statement Service and/or e-Advice Service being intercepted, monitored, amended, tempered with or being sent or disclosed to other parties without the Cardholder’s / Cardmember’s authorization.

9.10 The e-Statement Service and e-Advice Service use proprietary software of the Company, the Company’s affiliates or other software suppliers. The Cardholder / Cardmember agrees that the Company has granted the Cardholder / Cardmember a non-exclusive license to use this software in connection with the e-Statement Service and/or e-Advice Service that allows the Cardholder / Cardmember to use such software only for its intended purposes. The Cardholder / Cardmember agrees that he shall not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so.

10. CITI ALERTS SERVICE 10.1 The Cardholder / Cardmember agrees that by enrolling for and using the

service(s) wherein the Company will send alerts via electronic means (“Citi Alerts Services”), the Cardholder / Cardmember accepts and agrees to be bound by this Clause 10 and to pay any fee associated with the use of the Citi Alerts Services. The Cardholder / Cardmember agrees to abide by any and all laws, rules, regulations and official issuances applicable to the Citi Alerts Services, now existing or which may hereinafter been enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services the Company may from time to time make available to the Cardholder / Cardmember in connection with the Citi Alerts Services.

10.2 The Cardholder / Cardmember is responsible for the security of his telecommunications equipment and must take all reasonable precautions to prevent anyone else from accessing any confidential information and the Company is not liable for any disclosure of confidential information.

10.3 The Cardholder / Cardmember agrees that the Company shall use reasonable effort to ensure that the Citi Alerts Services are secure and cannot be accessed by unauthorized third parties. However, the Cardholder / Cardmember acknowledges that the Company does not warrant the security, secrecy or confidentiality of any information transmitted via the Citi Alerts Services. The Cardholder / Cardmember confirms that he understands and accepts all possible risks involved in using the Citi Alerts Services including, without limitation, the Citi Alerts Services being intercepted, monitored, amended, tempered with or being sent or disclosed to other parties without the Cardholder / Cardmember’s authorization.

10.4 The Cardholder / Cardmember acknowledges that any information received by the Cardholder / Cardmember via his telecommunications

Account by written notice to the Company before such amendments become effective.

12.3 Any Transaction using the Card after the effective date of the amendments will be deemed to be conclusive evidence that the Cardholder / Cardmember has accepted and agreed to such amendments without reservation.

13. MISCELLANEOUS 13.1 The Company may at any time transfer, assign, delegate or sub-contract

any or all of its rights or obligations hereunder to any person without prior notice to the Cardholder / Cardmember. Without prejudice to the foregoing, the Company may also transfer all or part of its rights and obligations hereunder and any amount in the Account to any Group Company if it reasonably considers necessary to comply with any Law or Regulation.

13.2 All notices, Statements or correspondence sent by the Company may be in the form of written notice, statement or advice insert, message by email or preprinted on Statement or advice, or through any other appropriate form determined by the Company. All such notices, Statements or correspondence to be given by the Company will be validly given if dispatched to the Cardholder’s / Cardmember’s address last registered with the Company and will be deemed to be received by the Cardholder / Cardmember within a generally acceptable time of that means of communication.

13.3 The Company is hereby authorized (but is not obliged) to accept any instructions given by (a) telephone, telex, mail, facsimile transmission or in writing purportedly given by the Cardholder / Cardmember; or (b) electronic means (including emails and SMS) given in such manner as the Company may prescribe from time to time all without any inquiry by the Company as to the authority or identity of the person making or purporting to give such instructions or their authenticity notwithstanding any error, misunderstanding, fraud, forgery or lack of clarity in or authorization for their terms provided that the Company may refuse to act on the instructions if the Company reasonably believes that by carrying out the instructions, (a) the Company, (b) any of its Group Companies, and/or (c) any of its Third Party Service Providers may break the Law or Regulation. The Company will not be liable to the Cardholder / Cardmember for any loss or damage suffered by the Cardholder / Cardmember resulting in any way from a refusal to act on the instructions under this clause.

13.4 These terms are translated from English to Chinese for guidance only. If there is any conflict or inconsistency between the two versions, the English version will prevail.

13.5 Unless the context otherwise requires, all expressions herein in the singular will include the plural and vice versa and all expressions in the masculine gender will include the feminine and/or the neuter gender where applicable. Headings are for reference only and will not affect construction of this Agreement.

13.6 This Agreement will be governed by and construed in accordance with the laws of Hong Kong. The Cardholder / Cardmember hereby submits to the non-exclusive jurisdiction of the courts of Hong Kong.

13.7 Nothing in these terms, this Agreement, and/or any other agreement, document, instrument or arrangement between Cardholder / Cardmember and the Company, whether expressed or implied, is intended to, or will, confer on any person any benefit or any right to enforce any term which such person would not have but for the Contracts (Rights of Third Parties) Ordinance (Cap.623 of the Laws of Hong Kong).

equipment pursuant to the Citi Alerts Services is for his (and not any other persons) reference only, and shall not be taken as conclusive evidence of the matters to which it relates.

10.5 Neither the Company nor any of the telecommunications companies designated by the Company for the purposes of providing the Citi Alerts Services will assume any liability or responsibility for any failure or delay in transmitting information to the Cardholder / Cardmember or for any error or inaccuracy in such information unless it results from any negligence or willful default on the part of the Company or of such telecommunications company. In particular, the Cardholder / Cardmember understands that neither the Company nor any such telecommunications company shall assume any liability or responsibility for consequences arising from any cause beyond its reasonable control including, without limitation, failure of the Cardholder / Cardmember’s telecommunications equipment to receive information for whatever reason, any telecommunications breakdown, Internet service provider failure, power failure, malfunction, breakdown, interruption or inadequacy of equipment or installation, act of God, government act, civil commotion, strike, war, fire, flood or explosion.

10.6 The Cardholder / Cardmember understands the third party supporting the Citi Alerts Services (including the telecommunications company designated by the Company) is neither agency of the Company nor representing the Company, and there is no co-operation, partnership, joint venture or other relationship with the Company and the Company is not responsible for any loss caused by such third party including system operator.

10.7 The Citi Alerts Services use proprietary software of the Company, the Company’s affiliates or other software suppliers. The Cardholder / Cardmember agrees that the Company has granted the Cardholder / Cardmember a non-exclusive license to use this software in connection with the Citi Alerts Services which allow the Cardholder / Cardmember to use such software only for its intended purposes. The Cardholder / Cardmember agrees that he shall not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so.

11. CANCELLATION 11.1 The Company reserves the right to and may at any time withdraw,

suspend, extend or modify any of the facilities or services provided to the Cardholder / Cardmember, increase or reduce the Customer Credit Limit, Loan Limit or Cash Advance Limit, withdraw any or all of the Cards, close the Account or terminate this Agreement without any reason or cause nor prior notice to the Cardholder / Cardmember. Without limiting the Company's rights as aforesaid and as an illustration, any such right is likely to be exercised if the Cardholder / Cardmember is in breach of any of the terms of this Agreement, fails to pay any amount when due, or commences or suffers to have any insolvency, execution or similar action or proceedings against himself or for the purpose of complying with the Law or Regulation.

11.2 The Cardholder / Cardmember may terminate this Agreement at any time by written notice to the Company.

11.3 The Company may (with or without having suspended or reduced the credits extended, withdrawn any Card or terminated this Agreement) require the Cardholder / Cardmember to immediately pay the entire outstanding balance under the Account. All obligations of the Cardholder / Cardmember incurred or existing under this Agreement as of the date of termination will survive such termination.

11.4 If the Company for whatever reason terminates this Agreement, the Company may at any time within six (6) months after the termination of this Agreement issue any card to the Cardholder / Cardmember in substitution for the Card.

12. AMENDMENTS 12.1 The Company hereby reserves the right at any time to amend the terms

of this Agreement including, without limitation, the rates of any charges or fees and method of payment in any manner as the Company deems fit by prior notice. Amendments will take effect on such date as stipulated by the Company in accordance with the applicable code of practice.

12.2 If the Cardholder / Cardmember does not accept the Company's amendments, the Cardholder / Cardmember will discontinue the C

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12.2 If the Cardholder / Cardmember does not accept the Company's amendments, the Cardholder / Cardmember will discontinue the

Citi Credit Card is issued by Citibank (Hong Kong) Limited.© 2018 Citibank Citi and Arc Design is a registered service mark of Citibank, N.A. or Citigroup Inc. Citibank (Hong Kong) Limited

4.5 以非人民幣之貨幣達成的交易付款，均會記入港幣賬戶；而以人民幣之貨幣達成的交易付款，均會記入人民幣賬戶。以非港幣及人民幣之貨幣達成的交易付款，發卡公司將會按由銀聯在折算日從國際市場兌換率中選擇的兌換率從交易貨幣折算為港幣，記入港幣賬戶。此等交易亦將另外收取列載於服務收費表上的手續費。

4.6 持卡人同意，持卡人須負全責確保及時收到所有月結單，並當未能及時收到時向發卡公司作出查詢及要求領取該份月結單。持卡人並承諾核實每份月結單是否正確。如有任何差異、錯漏、錯誤或不正確的記項或詳情，持卡人應於月結單日期起六十天內通知發卡公司。在該段期間終結後，有關的發卡公司紀錄及月結單詳情，應為針對持卡人的確證，除了已通知發卡公司的任何指稱錯誤，以及發卡公司行使權利以調整及修訂任何記項或詳情(發卡公司可於任何時間行使有關權利)

處理其造成的不當或錯誤之外，發卡公司毋須進一步證明有關紀錄及詳情實屬正確。

5. 費用支付


5.2 發卡公司將不會從港幣賬戶轉換和/或轉賬餘額或多繳的款項到人民幣賬戶以償還另一賬戶之餘額，反之亦然。持卡人將須要根據本合約，直接支付到相關的賬戶，以繳清月結單結欠。

5.3 任何從人民幣賬戶的賬戶盈餘作出的人民幣轉賬或提款均須受本合約的條款及發卡公司可能不時全權酌情設定的每日限額所限制。即使本合約已有任何規定，發卡公司有權以相同貨幣或其全權酌情決定的不同貨幣根據兌換當日的匯率作出兌換以償還賬戶的賬戶盈餘予持卡人。

5.4 如設定以港幣銀行戶口透過靈活自動轉賬或支票還款以支付人民幣賬戶之賬款，港幣將根據發卡公司於每月處理靈活自動轉賬或支票還款當日的匯率兌換為人民幣。由於匯率浮動，持卡人應在使用靈活自動轉賬的相關港元銀行賬戶存有足夠的資金以兌換成人民幣或為支票還款支付足夠資金，以避免支付不足導致須支付在本合約所規定的財務和／或其他費用。

5.5 若持卡人未能按本合約支付到期需付或應付的款項，發卡公司可能委派收賬公司催收有關款項。若發卡公司因向持卡人催繳、追收或在控告持卡人賠償在本合約規定下應付之欠款或因持卡人違反或不遵守本合約條款而需作出其他補償，而須支付律師費、收賬費用或其他開支，持卡人將補償發卡公司法庭按訴訟各方共同基金基準評定的律師費(合理地招致及金額合理的費用及開支)，雙方另行協議除外。與此有關的其他合理地招致的費用及開支(包括收賬公司的費用)將由持卡人補償，但最高補償金額為原欠付款項金額的百份之三十(30%)。

5.6 持卡人與商戶對購物及服務之糾紛，將由持卡人直接與商戶自行解決。有關任何商戶所供應之貨品或服務，或有任何商戶拒絕接受此卡，發卡公司將毋需對此負責。商戶的退款在發卡公司收到其正確無誤的退款單據後，才轉還到賬戶中。

Citi銀聯信用卡合約條款及細則

(由2018年2月1日起生效)

(適用於Citibank Rewards銀聯信用卡)

花旗銀行(香港)有限公司(簡稱「發卡公司」)按下列的條款發出Citi銀聯信用卡(簡稱「此卡」)給閣下(簡稱「基本卡持有人」)和任何經基本卡持有人提名而又獲發卡公司批准發給附屬卡之人士(簡稱「附屬卡持有人」)。基本卡持有人和附屬卡持有人(每位簡稱「持卡人」，基本卡持有人和附屬卡持有人亦統稱「持卡人」)在簽署或使用此卡時，即表示共同及個別同意或確認同意遵守本合約以下條款及負責支付據以下條款應付給發卡公司的款項，但附屬卡持有人毋需負責基本卡持有人或其他附屬卡持有人的債務：

1. 持卡人資料

1.1 持卡人明白發卡公司是基於持卡人所提供的資料在現在或未來均為正確無誤才簽發此卡給持卡人。所申報資料如有任何更改包括職業、工作或居住地址、永久居留地或電話號碼，持卡人將立即書面通知發卡公司。

1.2 持卡人同意發卡公司對持卡人與發卡公司的電話通話進行電話錄音。

2. 此卡的使用

2.1 此卡由一港幣(主)賬戶(簡稱「港幣賬戶」)及一人民幣(替換)賬戶(簡稱「人民幣賬戶」)所組成。在本合約中使用「賬戶」一詞時是分別指每個賬戶。

2.2 持卡人將須(a)於收到此卡後立即簽署(須與信用卡申請表格或發卡公司所訂明的該其他文件上的簽署相同)；(b)經常小心保管此卡並確保此卡於任何時間均由持卡人持有；及不可允許任何第三者以任何方式使用此卡；(c)不能使用超過發卡公司不時酌情決定的信貸限額(簡稱「客戶信貸限額」)；(d)不能使用超過發卡公司不時酌情決定的現金透支限額(簡稱「現金透支限額」)，現金透支限額為客戶信貸限額的一部份；(e)不能使用超過發卡公司不時酌情決定的信貸限額(簡稱「信貸限額」)；及(f)不可在此卡被收回或取消後繼續使用。

2.2 持卡人將須把使用此卡的私人密碼保密，若該密碼一旦洩露給其他人，持卡人須立即通知發卡公司。倘若持卡人之私人密碼不論因任何原因洩露給其他人，持卡人將須完全承擔一切由此而招致的後果、損失及/或其他責任，並須全數賠償發卡公司一切因此而引起之損失。

2.3 當使用此卡時，持卡人應確定於任何單據上的簽署與信用卡申請表格(或發卡公司所訂明的該其他文件)及此卡上的簽署相同，以便發卡公司可以進行核對確認。為免生疑，持卡人若未能實行此要求，將不會免除其使用此卡的任何責任。若持卡人想就此卡採用新的簽署，需事先向發卡公司提出書面申請。



3.2 即使持卡人沒有簽署任何單據和/或此卡之使用已超過客戶信貸限額，持卡人仍須負責一切因使用此卡而實行的交易(簡稱「交易」)。未有持卡人簽署使用此卡而實行的交易包括但不限於以電話、傳真、

郵寄或電子媒介、直接授權從戶口轉賬付款、或利用自動櫃員機服務(無論此設備是屬於發卡公司與否)或透過商戶之銷售點終端機或用信用卡電話服務或任何其他發卡公司不時認可的設備發出的指示。

3.3 持卡人不可使用此卡參與任何非法活動(包括互聯網上的非法賭博)。發卡公司保留權利拒絕處理或支付發卡公司懷疑涉及非法賭博或根據適用法律可能為不合法的交易。如發卡公司合理相信處理或支付有關交易，(a)發卡公司、(b)花旗集團及其集團公司，包括發卡公司在內(“集團公司”)、及/或(c)發卡公司或任何集團公司選擇向其提供服務而又非付款設施供應商的任何第三方(即指構成全球付款系統設施的第三方，包括但不限於，通訊、結算或付款系統、中介銀行及代理銀行(“付款設施供應商”))(“第三方服務供應商”)可能違反(i)任何當地或海外的司法管轄區的法律或規章，或(ii)發卡公司在任何當地或海外的司法管轄區與任何具司法管轄權的規管、檢控、稅務或政府機關(“機關”)訂立的任何協議((i)及(ii)統稱為“法律或規章”)，發卡公司可拒絕處理或支付有關交易。發卡公司將無須就持卡人因在本條款下的交易遭拒絕處理及支付而蒙受的任何損失或損害向持卡人負責。

3.4 受以下有關條款規限，免息分期付款計劃(簡稱「本計劃」)只適用於港幣賬戶及在持卡人光顧發卡公司可能不時指定的商戶(各稱「商戶」)時適用於持卡人。就每次使用本計劃的交易而言：




4. 費用及收費

4.1 發卡公司將為此卡的港幣賬戶及人民幣賬戶分別設立戶口。所有以人民幣計值的交易之款項和所有有關費用、收費、利息、欠款和其他據本合約應付的款額(統稱為「費用」)將從人民幣賬戶支取。所有其他交易之款項和有關費用將從港幣賬戶支取。

4.2 發卡公司將每月向持卡人發出此卡的月結單(簡稱「月結單」)，詳列各賬戶所有的交易及費用(簡稱「月結單結欠」)及到期繳付日(簡稱「付款限期」)。此卡的月結單將包括港幣賬戶及人民幣賬戶分別的付款細節，持卡人須使用相關賬戶用以計值之貨幣的資金分別支付給每個賬戶。

4.3 若自上一期月結單後沒有任何交易而賬戶的貸方或借方結餘亦少於發卡公司不時訂定的金額(就港幣賬戶而言現時為港幣二十元；就人民幣賬戶而言現時為人民幣二十元)的話，發卡公司可以不向持卡人發出月結單。

4.4 除發卡公司可使用其權利要求持卡人在付款限期之前或當日繳付每個賬戶之月結單結欠外，持卡人將按照發卡公司列載於花旗銀行信用卡服務收費表(簡稱「服務收費表」)或不時訂定的收費率支付以下各款項給發卡公司：

(a) 最低付款額月結單上顯示的每個賬戶之最低付款額(簡稱「最低付款額」)，

但持卡人亦可償還多於最低付款額的款項。

(b) 信貸及透支超額若持卡人因任何理由獲容許超越其客戶信貸限額，不論發卡公

司是否收取超額費用或即時增加臨時信用額服務之費用，發卡公司仍有權要求持卡人除了須償還最低付款額外，還需繳付發卡公司任何或全部的超越客戶信貸限額的款項。

(c) 現金透支費用及現金透支利息持卡人每次使用現金透支服務須繳付載列於服務收費表的現金

透支費用，而發卡公司將按有關每個賬戶的現金透支總額(包括現金透支費用)由現金透支提取日起至全數繳付至相關賬戶為止，收取財務費用。除非發卡公司另行通知，如果持卡人於香港、澳門或其他國家(不包括中國內地)使用有銀通標誌、銀聯標誌或花旗銀行的自動櫃員機提取現金，均會視作從港幣賬戶作現金透支。如持卡人於中國內地使用有銀通標誌的自動櫃員機(花旗銀行自動櫃員機除外)提取人民幣現金，會視作從港幣賬戶作現金透支；如持卡人於中國內地使用有銀聯標誌(有銀通標誌的自動櫃員機除外)或花旗銀行的自動櫃員機提取人民幣現金，則視作從人民幣賬戶作現金透支。所有財務費用將以每日計算和累積。月結單內相關賬戶之現金透支利息之實際年利率已包括每個賬戶之現金透支費用及財務費用在內，並根據銀行營運守則所訂定的淨值法計算。

(d) 財務費用發卡公司將每月檢討閣下每個賬戶的情況，若任何一個賬戶之

上期月結單(簡稱「上期月結單」)所述的月結單結欠未能在付款限期當日或之前繳付，發卡公司將就其上期月結單的未繳付之結欠由上期月結單日起直至全數存入相關賬戶為止，收取財務費用(根據月結單或服務收費表或發卡公司不時酌情通知的利率收取，以服務收費表所顯示的最低金額為下限)。此外，所有由上期月結單日起計的所有相關賬戶之新交易簽賬將計入未付之結欠中，以計算各項由相關交易日起計的財務費用(即使該各項新交易是在本月月結單的付款限期才需付款)。所有財務費用將以每日計算和累積。

(e) 逾期手續費若發卡公司未能在付款限期當日或之前全數收到賬戶之最低付

款額，發卡公司將收取列載於服務收費表上之逾期手續費。

(f) 服務費用發卡公司將於其指定日期向持卡人之港幣賬戶收取列載於服務

收費表上不可退還的年費。發卡公司亦將就現金付款或索取任何有關賬戶紀錄之服務，從該賬戶收取列載於服務收費表上的服務費用。



(h) 補發新卡費如須補發此卡，持卡人將須支付列載於服務收費表上的手續費。

(i) 外幣匯票託收費用若持卡人以港幣以外之其他貨幣為港幣賬戶付款或以人民幣以

外之其他貨幣為人民幣賬戶付款，該筆付款只將在發卡公司收到後及扣除所有收款費用後，才存入相關賬戶中。

(j) 超額費用若所使用信貸額超出客戶信貸限額，發卡公司將按服務收費表

收取超額費用。



(l) 拖欠財務費用發卡公司將每月檢閱每個賬戶以決定是否對相關賬戶收取拖欠

財務費用。若賬戶顯示發卡公司未能在任何月結單的付款限期或之前收到該月結單的最低付款額，發卡公司將就相關賬戶該月結單之隔一期後的月結單未繳付之結欠及相關賬戶該月結單之隔一期後的月結單日起之所有新簽賬收取拖欠財務費用(列載於服務收費表上)以取代財務費用，即使該各項新交易是在該月結單的付款限期日才需付款。該拖欠財務費用將繼續適用直至發卡公司在任何連續六期月結單的付款限期或之前均收到相關月結單上相關賬戶的最低付款額為止，此後財務費用將在適用時開始徵收。拖欠財務費用將每日計算和累積。

(m) 支票提取賬戶盈餘手續費若持卡人以支票提取賬戶盈餘，發卡公司將收取列載於服務收

費表上的手續費用。

(n) 補發月結單手續費若持卡人申請補發月結單，發卡公司將收取列載於服務收費表

上的手續費。

(o) 申請補發簽賬存根手續費若持卡人申請補發簽賬存根，發卡公司將收取列載於服務收費

表上的手續費。

(p) 查閱個人資料手續費若持卡人要求查閱個人資料，發卡公司將就每項個人資料查閱

收取列載於服務收費表上的手續費。

(q) 即時增加臨時信用額手續費持卡人若使用即時增加臨時信用額服務，需就獲批的臨時信用

額的全數繳付列載於服務收費表上的手續費。

(r) 動態貨幣兌換費在香港以外地區進行的任何動態貨幣兌換交易，而交易的金額以港

元從港幣賬戶中扣除或以人民幣從人民幣賬戶中扣除的話，該交易將會被徵收服務收費表所訂明的動態貨幣兌換費。



(t) 郵寄月結單費用若持卡人收取郵寄月結單，發卡公司將收取列載於服務收費表

上的手續費。

5.7 發卡公司只會在如實收到已兌現的付款及將外幣付款據發卡公司一般慣常運作由發卡公司兌換成港幣(在存入港幣賬戶的情況下)或人民幣(在存入人民幣賬戶的情況下)後，並在不作任何抵銷、追討、附帶條件、限制、扣除或預扣下，才被視為收到持卡人的付款及已將付款存入賬戶中。

5.8 賬戶所收到的款項或其他進賬，可按照下列次序支付：(1) 法律及收賬費用；(2) 財務費用；(3) 現金透支利息；(4) 所有適用的收費及費用，包括但不限於現金透支費用、逾期手續費、超額費用、服務費用、退票/自動轉賬退回費用、補發新卡費及賬目調查手續費；(5)

任何計劃或發卡公司其他的分期計劃下未付的分期付款餘額；及(6)

其他交易之未付本金餘額(在該些交易被徵收的財務費用利率有所不同的情況下，費用收取次序為最高利率至最低利率)；或可在發卡公司毋須預先通知持卡人之下但認為適當的次序支付款項。


5.10 在不影響本合約的其他條款下，若持卡人需離開香港一段時間，持卡人須在離開香港前安排繳付費用給發卡公司。


6.1 持卡人應根據發卡公司不時提供之指示留意此卡及密碼之保安。若此卡遺失或被竊或被人知悉其密碼，持卡人須在合理可能的情況下盡快致電發卡公司之Citibank電話理財服務2860 0333 / 白金卡服務熱線 2860 0360 (僅供花旗銀行白金卡持卡人使用) / Ultima服務熱線2860 0308 (僅供花旗銀行Ultima持卡人使用)，通知發卡公司。

6.2 在持卡人通知發卡公司其遺失或被盜取卡/個人密碼或其他人知道其個人密碼前，持卡人均須對透過此卡實行的所有交易(不論持卡人授權與否)負責。不過，如損失並不是因持卡人的欺詐行為，或嚴重疏忽，或違反條款6.1而引致的，持卡人對未經授權交易要承擔的責任則以港幣五百元為上限。上述所提及持卡人的承擔金額上限，並不適用於自動櫃員機使用此卡(不論是否發卡公司之自動櫃員機)的交易。

6.3 若此卡遺失或被竊，發卡公司無義務補發新卡給持卡人。如發卡公司同意補發新卡，持卡人在使用該補發新卡時，須受本合約條款約束。


7.1 持卡人同意發卡公司可以隨時毋須事前通知，從持卡人於發卡公司及花旗銀行開設之任何形式及任何貨幣的賬戶，無論該些賬戶是持卡人獨自或與其他人仕共同擁有，抵銷或調動所存之任何款項，以償還持卡人使用此卡之任何貨幣的欠款。若某些欠款因某些待發事件尚未需要償還，發卡公司及花旗銀行有權暫停支付相等於欠款額的賬戶存款給持卡人，直至此待發事件發生為止。

7.2 此卡乃屬於發卡公司所有，不得轉讓。若發卡公司要求，持卡人必須盡快交還此卡。

7.3 持卡人同意(a)發卡公司、(b)任何其集團公司及/或(c)任何其第三方供應商，可為遵照任何法律或規章，就預扣、入息稅、增值稅、任何物業出售或處置稅、徵稅或其他合法收取款項(統稱“已收取款項”)，從向持卡人或持卡人的賬戶或任何持卡人的賬戶支付的任何款項中，或從持卡人的賬戶或任何賬戶中，預扣或扣減款項或金額與已收取款項相等的款項。任何已收取款項須根據相關規定依時向有關機關支付。持卡人會在合理可行範圍內盡早獲通知任何已收取

款項。持卡人確認發卡公司將無須向持卡人償付被付款設施供應商預扣或扣減的任何款項。此外，以發卡公司或任何其集團公司或其第三方服務供應商現時或已經以其資金支付或現時或將會被要求向機關支付應屬於但當時並非已收取款項的金額為限，持卡人須向發卡公司彌償有關款項，連同與其相關的任何利息及罰款。持卡人明白發卡公司無須就機關所提出的任何付款要求提出反對。

8. 個人資料

8.1 持卡人同意發卡公司不時收取有關持卡人之個人資料，可根據發卡公司不時備有供客戶索取之不時生效的有關個人資料(私隱)條例的政策聲明，為其所述的目的，供任何集團公司或第三方服務供應商及有關個人資料(私隱)條例的政策聲明中所述人士(不論在香港境內或境外)，及為遵從任何法律或規章或應任何法院、法律程序、審計或任何機關的調查所規定而供有關機關使用、保存、向其披露及/或轉移。即使有任何適用的不披露協議存在，前述內容亦應適用。持卡人確認有關個人資料及戶口資料或記錄可以轉移至沒有嚴格資料保障或資料私隱法律的司法管轄區。

8.2 持卡人同意發卡公司不時生效的有關個人資料(私隱)條例的政策聲明將全面適用於此卡及賬戶及隨之而生或與之有關之所有事項。

8.3 持卡人明白及同意其必須不時應發卡公司要求向發卡公司提供令發卡公司或任何其集團公司可遵從任何法律或規章的資料。

8.4 持卡人確認，在其事先向發卡公司表示同意的前提下，發卡公司可在持卡人透過本協議指定的電話服務給予指示時，使用語音確認技術來收集及分析持卡人的聲紋生物辨識數據，以作核實身分之用。


9.1 通過登記和使用發卡銀行以電子方式提供電子賬戶月結單及/或指定通知書(分別簡稱「電子月結單服務」及「電子通知書服務」)，持卡人接受及同意受本合約第9條款約束。在登記電子月結單服務及/或電子通知書服務後，持卡人將不會再收到月結單及/或指定通知書的印本文件 ( 指定通知書包括閣下於網頁www.citibank.com.hk/e-advice不時列出種類的通知書)。持卡人同意遵從任何及所有現時或此後制定、頒佈或執行並適用於電子月結單服務及/或電子通知書服務的法律、法規、規定及官方指引，以及發卡公司不時向持卡人提供，藉以規管有關電子月結單服務及/或電子通知書服務使用其他設施、優惠或服務的其他條款及條件。

9.2 持卡人同意，若發卡公司成功將與電子月結單服務及/或電子通知書服務有關的電郵(如適用)送遞往持卡人指定的電郵地址，應視為將每月結單及/或指定通知書送交持卡人。若發卡公司未能將電子月結單服務及/或電子通知書服務有關的電郵送遞往持卡人/指定的電郵地址，或基於任何理由，儘管持卡人登記電子月結單服務及/或電子通知書服務，發卡公司可全權酌情決定將任何帳戶月結單及/或通知書郵寄往持卡人最新登記的郵遞地址。

9.3 發卡公司可不時酌情決定修改、限制、撤銷、取消、暫停或中止電子月結單服務及/或電子通知書服務，而毋須給予任何理由或事前通知。發卡公司保留權利，可透過事先向持卡人發出通知隨時全權酌情決定不時就電子月結單服務及/或電子通知書服務徵收費用。

9.4 持卡人明白到，電子月結單服務及/或電子通知書服務須要求持卡人擁有適當的互聯網及電訊服務及具有適當的設備，持卡人應保持使用電子月結單服務及/或電子通知書服務的設備穩妥可靠。

9.5 基於使用電子月結單服務及/或電子通知書服務，持卡人承諾向發卡公司提供其最新及正確的電郵地址。

9.6 若發卡公司在合理重試後，仍未能將有關電子月結單服務及/或電子通知書服務的電郵送遞給持卡人，電子月結單服務及/或電子通知書服務將自動取消。發卡公司並會恢復向持卡人印發月結單及/

或通知書。

9.7 若持卡人擬取消電子月結單服務及/或電子通知書服務的登記，須於下期月結單/下一張通知書日期前不少於 10個工作天前透過Citibank網上理財，或於下一個結單/下一張通知書日期前最少15個工作天致電Citibank電話理財服務熱線2860 0333/白金卡服務專線2860 0360(僅供花旗銀行白金卡持卡人使用)/Ultima服務專線2860 0308(僅供花旗銀行Ultima持卡人使用)/Citi Prestige服務專線2860 0338(僅供花旗銀行Citi Prestige持卡人使用)/American Express

服務專線2860 0366(僅供Citi Cash Back American Express® Card

會員使用)或前往花旗銀行分行，通知發卡公司。在取消電子月結單服務及/或電子通知書服務的登記後，發卡公司將恢復向持卡人印發月結單及/或通知書。

9.8 持卡人同意，發卡公司毋須就持卡人的數據、軟件、電腦、電訊設備或其他設備因持卡人使用電子月結單服務及/或電子通知書服務所導致的(包括但不限於)任何損失、損害或支出而承擔任何責任，除非純粹直接因發卡公司疏忽或蓄意錯失所致，則作別論。

9.9 持卡人同意發卡公司應以合理努力，確保電子月結單服務及/或電子通知書服務的安全性及確保未獲授權的第三方不能進入使用。但是，持卡人確認，發卡公司對於電子月結單服務及/或電子通知書服務通過在任何司法管轄區內任何適用的互聯網服務供應商、網絡系統或其他同類型系統所傳送的任何資料的保安、保密或機密事宜，並不保證。持卡人確認其明白並接受所有使用電子月結單服務及/或電子通知書服務可能涉及的風險，包括但不限於電子月結單服務及/或電子通知書服務在未經持卡人授權的情況下被截斷、監察、修改、竄改或被送遞或披露予其他方。

9.10 電子月結單服務及/或電子通知書服務使用發卡公司的、發卡公司的附屬公司或其他軟件供應商的專有權軟件。持卡人同意發卡公司已就電子月結單服務及/或電子通知書服務向持卡人授予使用該軟件的非專用特許，此特許僅容許持卡人使用該軟件作預定之用途。持卡人同意不會進行任何有關該軟件的分拆、解編、複製、更改或還原工程，亦不會准許任何其他人士進行上述事項。


10.1 持卡人同意，通過登記及使用本公司透過電訊設備傳達提示的服務(簡稱「Citi Alerts即時短訊服務」)，即代表持卡人接受並同意受本合作約第10條款約束，並支付與使用Citi Alerts即時短訊服務的任何費用。持卡人同意遵從任何及所有現時或此後制定、頒佈或執行並適用於Citi Alerts即時短訊服務的法律、法規、規定及官方指引，以及發卡公司不時向持卡人提供，藉以規管有關Citi Alerts即時短訊服務使用其他設施、優惠或服務的其他條款及條件。

10.2 持卡人須負責其電訊設備的保安，並須採取一切合理的防範措施以防任何第三者接觸到任何機密資料。發卡公司將不會為任何機密資料的披露而負上任何法律責任。

12.2 若持卡人拒絕接受發卡公司之新修訂，持卡人須在該修訂生效前停止此卡。

12.3 持卡人在發卡公司發出有關新修訂通知生效日期後使用此卡所作之交易將被視為持卡人無條件地接受並同意該新修訂。

13. 其他

13.1 發卡公司可在任何時間在毋須事先通知持卡人的情況下，將其在本合約內的任何或所有權利或業務轉移、轉讓、轉授或分包予任何人仕。在無損於前文所述的情況下，如發卡公司合理認為為發卡公司遵從任何法律或規章而合理所需，發卡公司亦可將發卡公司在本協議內之全部或部份權益和義務及賬戶中的任何款項轉移給任何集團公司。

13.2 所有發卡公司發出之通知、月結單或書信可以書面通知、月結單附件或通知書、電子郵件訊息或印在月結單或通知書上訊息或透過發卡公司認為恰當之任何其它形式。所有此等發卡公司發出之通知，月結單或書信在向持卡人最後在發卡公司登記的地址發送後即為有效發出，並在該等通訊方式之通常遞送時間內視為已由持卡人收取。

13.3 發卡公司特此被授權(但並非必須)接納經以下方式發出的指示：(a)據稱由持卡人發出的電話、電傳電報、郵寄、傳真傳輸或書面指示；或(b)以發卡公司不時指定的方式透過電子途徑(包括電子郵件及短訊)發出的指示，儘管有任何錯誤、誤解、欺詐、偽造或在條款上不清晰或欠缺授權，不須發卡公司查詢有關人士作出或據稱給予此等指示的權限或身份，或查詢它們是否真實。但如發卡公司合理相信執行有關指示，(a)發卡公司、(b)任何其集團公司及/或(c)

任何其第三方服務供應商可能違反法律或規章，發卡公司可拒絕執行有關指示。發卡公司將無須就持卡人因在本條款下的指示遭拒絕執行而蒙受的任何損失或損害向持卡人負責。




13.6 本合約受香港法律管轄並應根據香港法律詮譯。持卡人茲此同意接受香港法庭的非專屬性司法管轄權。

13.7 此等條款、本合約，及/或持卡人與發卡公司之間的所有任何其他協議、文件、票據或安排的任何規定，不論明示或暗示，既非旨在亦不會賦予任何人如非因香港法例第623章《合約(第三者權利)條例》的條文而不會享有的任何強制執行條款的利益或權利。

10.3 持卡人同意發卡公司應以合理努力，確保Citi Alerts即時短訊服務的安全性及確保未獲授權的第三方不能進入使用。但是，持卡人確認，發卡公司並不保證通過Citi Alerts即時短訊服務所傳送的任何資料的保安、保密或機密事宜。持卡人確認其明白並接受所有使用Citi Alerts即時短訊服務可能涉及的風險，包括但不限於Citi Alerts

即時短訊服務在未經持卡人授權的情況下被截斷、監察、修改、竄改或被送遞或披露予其他方。

10.4 持卡人確認，任何持卡人透過其電訊設備所收到的Citi Alerts即時短訊服務的任何資料，均只作持卡人(而非任何其他人士)的參考用途，不應將之作為與其有關事宜之不可推翻的證據。

10.5 發卡公司及發卡公司為提供Citi Alerts即時短訊服務而指定之任何電訊公司，均不會為任何未能或延遲向持卡人傳送資料或資料中的任何錯誤或偏差而負上任何法律責任或責任，除非該責任由發卡公司或該電訊公司引致的任何疏忽或故意失責所造成。持卡人明白，發卡公司及任何該電訊公司均不會為其合理控制範圍外任何原因所引致之後果(包括但不限於持卡人的電訊設備因任何原因未能接收資料、任何電訊故障、互聯網服務供應商失靈、電力故障、設備或裝置失靈、停頓、受到干擾或有所不足、天災、政府行為、內亂、罷工、戰爭、火災、水災或爆炸)負上任何法律責任或責任。

10.6 持卡人明白支持Citi Alerts即時短訊服務的第三方(包括發卡公司指定的電訊公司)並非發卡公司的代理，亦不代表發卡公司，且與發卡公司並無合作、合夥、聯營或其他關係。發卡公司不會為該第三方 (包括系統營運者)引致的任何損失負上責任。


或其他軟件供應商的專有權軟件。持卡人同意發卡公司已就Citi

Alerts即時短訊服務向持卡人授予使用該軟件的非專用特許，此特許僅容許持卡人使用該軟件作預定之用途。持卡人同意不會進行任何有關該軟件的分拆、解編、複製、更改或還原工程，亦不會准許任何其他人士進行上述事項。

11. 取消

11.1 發卡公司保留權利並可以在毋需給與持卡人任何理由或事先通知下，收回、暫停、延長或更改任何提供給持卡人的設施或服務、提高或降低客戶信貸限額、信貸限額或現金透支限額、收回任何或所有此卡、結束賬戶或終止本合約。在不局限發卡公司上述權利及作為實例說明，發卡公司可能在下述情況下行使該等權利，例如持卡人違反本合約之任何條款、沒有支付到期款項或開始或面對破產、償債或類似行為或訴訟或為了令任何法律或規章可獲遵從。

11.2 持卡人須以書面通知發卡公司終止本合約。

11.3 發卡公司可以(無論有否暫停或減少信貸，或收回此卡，或終止本合約)要求持卡人立刻償還每個賬戶內全部之欠款。即使本合約經已終止，持卡人仍須負擔因本合約所產生或仍然存在之責任。

11.4 如發卡公司不論因任何原因終止此合約，發卡公司有權於合約終止後六個月內任何時間向持卡人發出任何卡以取替此卡。

12. 修訂

12.1 發卡公司保留權利可隨時透過事先通知修訂本合約之條款，包括但不限於就任何收費或費用之定率和付款方式作出的任何修訂。該新修訂條款將根據適用的營運守則從發卡公司指定之日期生效。C

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5. 費用支付











1. 持卡人資料



2. 此卡的使用














4. 費用及收費































上的手續費。












上的手續費。
















8. 個人資料












或通知書。












13. 其他


















11. 取消





12. 修訂


The Cardholder undertakes to verify the correctness of each Statement and to notify the Company within 60 days from the date of the Statement of any discrepancies, omissions, errors or wrong or incorrect entries or details. At the end of each such period, the Company’s records and the details of the Statements shall be conclusive evidence against the Cardholder without any further proof that they are correct except as to any alleged errors so notified and subject to the Company’s right to adjust and amend (which may be exercised by the Company at any time) any entries or details wrongly or mistakenly made by the Company.


will from time to time stipulate. If payments are made through a customer activated terminal of or other payment means acceptable to the Company, such payments will be subject to the Company's terms and conditions from time to time applicable thereto, including those set out in transaction records and deposit envelopes used in connection therewith applicable from time to time. Cash deposits through a customer activated terminal of the Company will be credited to the Account in the amount confirmed by the cash count of the Company's staff members or its agents.

5.2 The Company will not convert and/or transfer any credit balance or overpayment from the HKD Account to the CNY Account or vice versa to settle the outstanding balance of the other Account. The Cardholder shall make payment directly to the relevant Account in accordance with this Agreement in order to settle the outstanding balance.

5.3 Any transfer or withdrawal in CNY from the credit balance in the CNY Account shall be subject to the terms of this Agreement and such daily limit as may be imposed by the Company from time to time at its sole discretion. Notwithstanding anything contained in this Agreement, the Company is entitled to repay any credit balance in the Account to the Cardholder in the same currency or a different currency as the Company may determine in its sole discretion at the prevailing rate of exchange at the time of conversion.

5.4 If a HKD bank account is designated by the Cardholder for settlement of the CNY Account by way of FlexiAutopay or cheque payment, HKD will be converted into CNY at the prevailing rate of exchange determined by the Company on the date of processing of the FlexiAutopay each month or cheque payment. Due to fluctuation of the exchange rate, the Cardholder shall maintain sufficient funds in the relevant HKD bank account used for FlexiAutopay for conversion into CNY or pay sufficient funds for the cheque payment to avoid payment shortfall which will result in finance and/or other charges as provided in this Agreement.

5.5 If the Cardholder fails to pay any sum due or payable hereunder, the Company may appoint debt collection agencies to collect the same. If the Company has incurred any legal or collection fees or other expenses for the purpose of demanding, collecting or suing to recover any sum payable hereunder from the Cardholder or other remedies resulting from the breach or non-compliance with any term of this Agreement, the Cardholder will reimburse the Company all such legal fees as taxed by the court on a common fund basis (fees and disbursements which are of a reasonable amount and reasonably incurred) unless otherwise agreed. Other reasonable fees and expenses (including the fees of the debt collection agencies) reasonably incurred in that connection will be reimbursed by the Cardholder up to a maximum of 30% of the original outstanding sum.

5.6 The Cardholder will directly settle disputes between merchants and the Cardholder for goods and services purchased. The Company will not be responsible for goods and services supplied by merchants or for refusal of any merchant to accept or honour any Card. Credits to an Account for refunds made by merchants will be made only when the Company receives a properly issued credit voucher.

5.7 Payments to the Company will only be deemed to be received by the Company and credited to the Account when received in good and cleared funds and if in foreign currency, after conversion by the Company into HKD (in the case of a credit to the HKD Account) or CNY (in the case of a credit to the CNY Account) in accordance with its normal practice, and without any set-off, claim, condition, restriction, deduction or withholding whatsoever.

Citi UnionPay Credit Card AgreementTERMS AND CONDITIONS

(Applicable to Citibank Rewards UnionPay Card)(Effective on February 1, 2018)

Citi UnionPay Credit Card (“Card”) is issued by Citibank (Hong Kong) Limited (the “Company”) to you (“Principal Cardholder”) and any person nominated by the Principal Cardholder and approved by the Company to receive a Supplementary Card ("Supplementary Cardholder") upon the following terms. By signing or using the Card, the Principal Cardholder and any Supplementary Cardholder (each a and together the "Cardholder") jointly and severally agree or confirm their agreement to abide by and, with the exception that a Supplementary Cardholder shall not be liable for the debts of the Principal Cardholder or other Supplementary Cardholders, be liable for any payment to the Company in connection with the following terms:1. CARDHOLDER'S INFORMATION 1.1 The Cardholder understands that the Company issues the Card on the

basis that information provided by the Cardholder is and will remain true and correct. The Cardholder will inform the Company immediately in writing upon any change of such information including that on employment, business or residential address, permanent residence or telephone number.

1.2 The Cardholder agrees to the Company recording the telephone conversations between the Cardholder and the Company.

2. USE OF CARD 2.1 The Card consists of both a Hong Kong Dollar (HKD) (primary) account

(the “HKD Account”) and a Renminbi (CNY) (alternate) account (the “CNY Account”), each of which will be regarded as an Account (“Account”) whenever such term is used in this Agreement.

2.2 The Cardholder will (a) sign the Card upon receipt (adopting the same signature in the application form or such other documents as may be prescribed by the Company); (b) keep the Card under his personal control at all times, and should not authorize any third party to use the Card in any manner; (c) not exceed the credit limit assigned by the Company from time to time at its discretion ("Customer Credit Limit"); (d) not exceed the cash advance limit (which forms part of the Customer Credit Limit) assigned by the Company from time to time at its discretion ("Cash Advance Limit"); (e) not exceed the loan limit assigned by the Company from time to time at its discretion ("Loan Limit"); and (f) not use the Card after it is withdrawn or cancelled.

2.3 The Cardholder will keep any personal identification number ("PIN") in connection with the use of the Card strictly confidential and immediately inform the Company if the PIN is known to any other person. The Cardholder will accept full and sole responsibility for and fully indemnify the Company against all consequences, losses and / or other liabilities incurred as a result of the PIN being known to another person for whatsoever reason.

2.4 When using the Card, the Cardholder should ensure that the signature in the sales draft is the same as the signature appearing on the application form (or such other documents as may be prescribed by the Company) and the Card for the Company’s verification purpose. For the avoidance of doubt, failure to do so will not relieve the Cardholder from liability for the use of the Card. The Cardholder should submit prior written application to the Company if he wants to adopt a new signature for the use of his Card.


institutions and merchants, which accept the Card for effecting purchases of goods and services, drawing of cash advance, payment of the Cardholder's outstanding accounts and such other credit card facilities or services as the Company may from time to time provide or arrange.

3.2 The Cardholder will be liable for all transactions ("Transactions") effected through the use of the Card even if no sales draft is signed by him and/or the Customer Credit Limit is exceeded. Types of Transactions effected without the Cardholder's signature may include, without limitation, orders placed by telephone, fax, mail or electronic means, direct debit authorization, or use of the Card in an automated teller machine (whether or not such a device is that of the Company), at merchant's point of sale

terminal, in a credit card payphone or any other device approved by the Company from time to time.

3.3 The Cardholder is not authorized to use the Card to take part in any illegal acts (including unlawful internet gambling). The Company reserves the right to decline processing or paying any Transaction which the Company suspects to be involved in illegal gambling or which may be illegal under any applicable laws. The Company further reserves the right to refuse to process or pay any Transaction if the Company reasonably believes that by processing or paying the Transaction, (a) the Company, (b) Citigroup Inc. and its group of companies, including the Company (the “Group Companies”), and/or (c) any third party selected by the Company or any of its Group Companies to provide services to it and who is not a payment infrastructure provider (meaning a third party that forms part of the global payment system infrastructure, including without limitation, communications, clearing or payment systems, intermediary banks and correspondent banks (the “Payment Infrastructure Provider”)) (the “Third Party Service Providers”) may break (i) the law or regulation of any jurisdiction, domestic or foreign, or (ii) any agreement entered into between the Company and any competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign (the “Authorities”) ((i) and (ii) collectively referred to as the “Law or Regulation”). The Company will not be liable to the Cardholder for any loss or damage suffered by the Cardholder resulting in any way from a refusal to process or pay a Transaction under this clause.

3.4 Subject to the relevant terms hereunder, the Interest-Free Installment Plan (the “Plan”) is only applicable to the HKD Account and to the Cardholder at such merchants as may be designated by the Company from time to time (each a “Merchant”). In respect of each Transaction using the Plan:




4. CHARGES 4.1 The Company will maintain separate accounts for the HKD Account and

the CNY Account in respect of the Card. Values of all Transactions denominated in CNY and all related charges, fees, interests, outstanding balances and other sums payable ("Charges") will be debited to the CNY Account. Values of all other Transactions and all related Charges will be debited to the HKD Account.

4.2 The Company will issue to the Cardholder a monthly statement (“Statement”) of the Card setting out details of all Transactions and Charges of the Account (“Statement Balance”) and the date by which payment must be made (“Payment Due Date”). The Statement will include separate sections for each of the HKD Account and the CNY Account specifying the respective payment details of each Account, and the Cardholder shall settle payment to each of the Accounts separately using funds in the currency in which the relevant Account is denominated.

4.3 The Company may not issue a Statement to the Cardholder if there has been no Transaction since the last Statement, and the credit or debit balance is less than such amount as may be determined by the Company from time to time (currently HKD20.00 in respect of the HKD Account or CNY20.00 in respect of the CNY Account).

4.4 Subject to the Company's right to require the Cardholder to pay the full amount of the Statement Balance of each Account on or before the Payment Due Date, the Cardholder will pay to the Company the following sums at such rates as shown in the Citibank Credit Card Fees Schedule (“Fees Schedule”) or as may be determined by the Company from time to time:-

(a) Minimum Payment Due The "Minimum Payment Due" in respect of each Account as shown

on the Statement ("Minimum Payment Due") although the Cardholder may pay any larger sum he wishes.


notwithstanding any imposition of over limit charge or instant temporary Customer Credit Limit upgrade fee, require payment of any or all of the excess beyond his Customer Credit Limit, if for whatsoever reason the Cardholder has been allowed to incur such excess.


each cash advance drawn by the Cardholder and the aggregate amount of the cash advance in each Account (including the cash advance fee) will be subject to the applicable finance charge from the date when the cash advance is drawn until the entire amount of the outstanding cash advance balance is credited to the relevant Account. Unless otherwise notified by the Company, if the Cardholder withdraws cash at ATMs with a JETCO logo, a Union-Pay logo or at Citibank ATMs in Hong Kong, Macau, or other countries (excluding Mainland China), the withdrawal will be treated as a cash advance from the HKD Account. If the Cardholder withdraws cash in CNY at ATMs with a JETCO logo (excluding Citibank ATMs) in Mainland China, it will be treated as a cash advance from the HKD Account. If the withdrawal is made at ATMs with a UnionPay logo (excluding ATMs with a JETCO logo) or at Citibank ATMs, it will be treated as a cash advance from the CNY Account. All finance charges will be calculated and accrued on a daily basis. The total of the cash advance fee and the finance charge in respect of each Account will be shown as a cash advance charge of the relevant Account on the Statement in an Annualized Percentage Rate which is calculated according to the Net Present Value method as specified in the Code of Banking Practice.

(d) Finance Charge The Company will review each Account monthly, if the entire amount

of the Statement Balance stated in the previous Statement of either Account (“Previous Statement”) is not so received on or before the Payment Due Date of the Previous Statement, a finance charge (as stipulated in the Statement or Fees Schedule or notified by the Company to the Cardholder from time to time at its discretion subject to the minimum amount as shown in the Fees Schedule) will be charged on the unpaid balance of the Previous Statement from the Previous Statement date until full payment is credited to the relevant Account. All new Transactions in the relevant Account incurred since the Previous Statement date will be added to the unpaid balance for the purpose of assessing finance charge as from the respective dates of such Transactions notwithstanding that such Transactions will not be payable until the Payment Due Date stated in the current Statement. All finance charges will be calculated and accrued on a daily basis.


amount of Minimum Payment Due of an Account is not received by the Company on or before the Payment Due Date.


charged to the HKD Account on a date stipulated by the Company. A service fee as specified in the Fees Schedule will be charged to each Account for any payment through cash deposit or for retrieval of any records in connection with such Account.




the issuance of any replacement Card.

(i) Collection Fee If payment is made by the Cardholder in a currency other than HKD

for the HKD account or CNY for the CNY Account, the relevant Account will only be credited with such payment after its receipt and deduction of all collection costs.



be imposed for any dispute proved to be invalid after investigation. (l) Default Finance Charge The Company will review each Account monthly to determine

whether default finance charge is chargeable to the relevant Account. If the Minimum Payment Due of an Account is not received by the Company on or before the Payment Due Date specified in any Statement, a default finance charge as stated in the Fees Schedule will be charged (instead of the finance charge) on the unpaid balance of the second following Statement of the relevant Account as well as all new Transactions of the relevant Account incurred from the date of the second following Statement notwithstanding that all such new Transactions will not be payable until the Payment Due Date specified in that Statement. Such default finance charge will continue to apply until the respective Minimum Payment Due of the relevant Account in any six consecutive Statements is received on or before the Payment Due Date specified in the relevant Statement, after which the finance charge will, where applicable, apply. The default finance charge will be calculated and accrued on a daily basis.






the full amount of the instant temporary upgraded credit limit granted to the Cardholder.


will be charged with respect to any dynamic currency conversion transaction effected in places outside Hong Kong for which the value of the Transaction is debited to the HKD Account in HKD or CNY Account in CNY.



receiving paper statement. 4.5 Transactions which are effected in currencies other than CNY shall be

debited to the HKD Account, while transactions which are effected in CNY shall be debited to the CNY Account. Transactions effected in currencies other than HKD and CNY shall be debited to the HKD Account after conversion from the transaction currency into HKD at a wholesale market rate selected by UnionPay from within a range of wholesale market rates on the conversion day. A handling charge as specified in the Fees Schedule will also be charged on such transactions.

4.6 The Cardholder agrees that it is the Cardholder’s sole responsibility to ensure that every Statement is received in due time and to enquire with and obtain the same from the Company forthwith if not duly received.

5.8 Payments and credits to the Account may be applied in the following order: (1) legal and debt collection fees; (2) finance charges; (3) cash advance charges; (4) all other applicable fees and charges including but not limited to cash advance fees, late charges, over limit charges, service, return check / reject autopay, card replacement and charge dispute handling fees; (5) outstanding installments of any Plan or other installment programs of the Company; and (6) the outstanding principal amount of other Transactions (where such Transactions are subject to different finance charge rates, in the application order from the Transactions with the highest rate to the lowest rate); or in any other order as the Company considers appropriate without prior reference to the Cardholder.


5.10 Without prejudice to the other terms of this Agreement, if the Cardholder should be absent from Hong Kong for some time, arrangements to settle the Charges should be made prior to his departure.

6. LOSS OR THEFT OF THE CARD 6.1 The Cardholder shall observe and follow any recommendation of the

Company from time to time regarding the security of the Card and the PIN. The Cardholder must inform the Company as soon as reasonably practicable through the Company's CitiPhone Banking 2860 0333 / Platinum Service Line 2860 0360 (for Citibank Platinum Cardholders only) / Ultima Service Line 2860 0308 (for Citibank Ultima Cardholders only) if any Card is lost or stolen or when someone else knows his PIN.

6.2 The Cardholder shall be fully liable for any transactions (whether or not authorized by him) effected by the use of the Cards before he has informed the Company that the Card/PIN has been lost or stolen or that someone else knows the PIN. However, provided that the Cardholder has not acted fraudulently, with gross negligence or in breach of Clause 6.1, the Cardholder's maximum liabilities for such unauthorized transactions shall not exceed HKD500.00. The application of the aforesaid limitation on liability of the Cardholder does not apply to loss related to transactions resulting from use of Card in automated teller machine (whether or not such device is that of the Company).

6.3 The Company will not be obliged to issue a replacement Card to the Cardholder if his Card is lost or stolen. If the Company agrees to issue a replacement Card, its use will be subject to the terms of this Agreement.

7. RIGHTS OF THE COMPANY 7.1 The Cardholder hereby agrees that the Company may, at any time and

without prior notice, set off or transfer any monies standing to the credit of the Cardholder's account with the Company and bank accounts with the Company or Citibank, N.A. of whatever description and in whatever currency and whether held singly or jointly with others towards discharge of all sums due to the Company in connection with the Card in whatever currency. Insofar as any of the sums may only be due to the Company contingently or in future, the Company's and Citibank, N.A.'s liability to the Cardholder to make payment of any sums standing to the credit of any such accounts will to the extent necessary to cover such sums be suspended until the happening of the contingency or future event.

7.2 Any Card issued to the Cardholder is and remains the property of the Company, and is not transferable. The Cardholder will promptly return all Cards on demand.

7.3 The Cardholder agrees that (a) the Company, (b) any of its Group Companies, and/or (c) any of its Third Party Providers may withhold or deduct any collected amount, meaning an amount for or on account of, or which represents, withholding, income tax, value added tax, tax on the sale or disposition of any property, duties, or any other lawfully collected amount (the “Collected Amount”), which is required to be withheld or deducted to comply with any Law or Regulation from any payment to the Cardholder, or to or from the Account or any of the Cardholder’s accounts. Any Collected Amount shall be timely paid to the relevant Authority in accordance with the relevant requirement. The Cardholder will be notified of any Collected Amount as soon as reasonably practicable. The Cardholder acknowledges that the Company will not be required to reimburse the Cardholder for any amount withheld or deducted by a Payment Infrastructure Provider. Further, to the extent the

Company or any of its Group Companies or its Third Party Service Providers pays or has paid from its own funds or is or will become required to make a payment to an Authority in respect of an amount that should have been, but was not, a Collected Amount, the Cardholder will indemnify the Company for such payment, plus any interest and penalties thereon. The Cardholder understands that the Company is not required to contest any demand made by an Authority for such payment.

8. PERSONAL DATA 8.1 The Cardholder hereby agrees that all personal data relating to the

Cardholder collected by the Company from time to time may be used, held, disclosed, and/or transferred to any of the Group Companies or Third Party Service Providers and such persons (whether in or outside Hong Kong) as set out in the Policy Statement relating to the Personal Data (Privacy) Ordinance of the Company from time to time in force available by the Company to its customers from time to time for the purposes as stated in the said Policy Statement and the Authorities for compliance with any Law or Regulation or as required by or for the purpose of any court, legal process, audit or investigation of any Authority. The aforesaid shall apply notwithstanding any applicable non-disclosure agreement. The Cardholder acknowledges that such personal data and account information or records may be transferred to jurisdictions which do not have strict data protection or data privacy laws.

8.2 The Cardholder hereby agrees that the Policy Statement relating to the Personal Data (Privacy) Ordinance of the Company from time to time in force shall in all respects apply in relation to the Card and the Account and any matter arising therefrom or incidental thereto.

8.3 The Cardholder understands and agrees that he must provide the Company with such information as the Company may require from time to time to enable the Company or any of its Group Companies to comply with any Law or Regulation.

8.4 Subject to Cardholder giving prior consent to the Company to do so, the Cardholder acknowledges that the Company may use voice recognition technology to collect and analyze the Cardholder’s voiceprint biometric data for the purpose of identity verification when the Cardholder gives instructions through the telephone service lines designated under this Agreement.


statement of account(s) and/or designated advice of account(s) will be made available by electronic means (the "e-Statement Service" & “e-Advice Service” respectively), the Cardholder accepts and agrees to be bound by this Clause 9. Upon enrollment for the e-Statement Service and/or the e-Advice Service, the Cardholder will no longer receive his Statements and/or designated advice in paper form (designated advice being the types of advice as listed on your website www.citibank.com.hk/e-advice from time to time). The Cardholder agrees to abide by any and all laws, rules, regulations and official issuances applicable to the e-Statement Service and/or the e-Advice Service (as the case may be), now existing or which may hereinafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services the Company may from time to time make available to the Cardholder in connection with the e-Statement Service and/or e-Advice Service.

9.2 The Cardholder agrees that the successful delivery of emails (if applicable) in connection with the e-Statement Service and/or e-Advice Service by the Company to the Cardholder’s designated email address shall be deemed to be delivery of the relevant Statement and/or designated advice to the Cardholder. The Company may, at its sole discretion and notwithstanding the Cardholder’s enrolment for the e-Statement Service and/or e-Advice Service, send any Statement and/or advice to the Cardholder’s last registered mailing address should the Company fail to send emails in connection with the e-Statement Service and/or e-Advice Service at the Cardholder’s registered email address or for any other reason.

9.3 The Company has the discretion from time to time to modify, restrict, withdraw, cancel, suspend or discontinue the e-Statement Service and/or e-Advice Service without giving any reason or prior notice. The Company reserves the right to impose such fee(s) for the e-Statement Service and/or e-Advice Service from time to time at its sole discretion at any time by giving prior notice to the Cardholder.

9.4 The Cardholder understands that the e-Statement Service and/or e-Advice Service are available to him provided that he has appropriate internet access and telecommunications services and equipment. The Cardholder shall keep such equipment used for the e-Statement Service and/or e-Advice Service secure.

9.5 The Cardholder undertakes to provide to the Company with his updated and correct email address in order to use the e-Statement Service and/or e-Advice Service.

9.6 Upon reasonable attempt, failing to send emails in connection with the e-Statement Service and/or e-Advice Service to the Cardholder with reasonable retry, the e-Statement Service and/or e-Advice Service will be automatically cancelled and the Company will resume sending Statements and/or advice in paper form to the Cardholder.

9.7 To cancel enrollment for the e-Statement Service and/or e-Advice Service, the Cardholder shall give prior notice at least 10 working days before the next Statement / advice date through Citibank online banking or at least 15 working days through CitiPhone Banking at (852) 2860 0333 / Platinum Service Line 2860 0360 (for Citibank Platinum Cardholders only) / Ultima Service Line 2860 0308 (for Citibank Ultima Cardholders only) / Citi Prestige Service Line at 2860 0338 (for Citi Prestige Cardholders only) / American Express Service Line 2860 0366 (for Citi Cash Back American Express® Cardmembers only) or Citibank branches. Upon cancellation of enrollment for the e-Statement Service and/or e-Advice Service, the Company will resume sending Statements and/or advice in paper form to the Cardholder.

9.8 The Cardholder agrees that the Company shall not be liable for any loss, damages or expenses that the Cardholder shall incur, including without limitation, any loss or damage caused to the Cardholder data, software, computer, telecommunications equipment or other equipment in connection with the Cardholder’s use of the e-Statement Service and/or e-Advice Service unless they are caused solely and directly by the Company’s negligence or willful default.

9.9 The Cardholder agrees that the Company shall use reasonable effort to ensure that the e-Statement Service and/or e-Advice Service are secure and cannot be accessed by unauthorized third parties. However, the Cardholder acknowledges that the Company does not warrant the security, secrecy or confidentiality of any information transmitted through any applicable internet service provider, network system or such other equivalent system in any jurisdiction via the e-Statement Service and/or e-Advice Service. The Cardholder confirms that he understands and accepts all possible risks involved in using the e-Statement Service and/or e-Advice Service including, without limitation, the e-Statement Service and/or e-Advice Service being intercepted, monitored, amended, tempered with or being sent or disclosed to other parties without the Cardholder’s authorization.

9.10 The e-Statement Service and e-Advice Service use proprietary software of the Company, the Company’s affiliates or other software suppliers. The Cardholder agrees that the Company has granted the Cardholder a non-exclusive license to use this software in connection with the e-Statement Service and/or e-Advice Service that allows the Cardholder to use such software only for its intended purposes. The Cardholder agrees that he shall not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so.

10. CITI ALERTS SERVICE 10.1 The Cardholder agrees that by enrolling for and using the service(s)

wherein the Company will send alerts via electronic means (“Citi Alerts Services”), the Cardholder accepts and agrees to be bound by this Clause 10 and to pay any fee associated with the use of the Citi Alerts Services. The Cardholder agrees to abide by any and all laws, rules, regulations and official issuances applicable to the Citi Alerts Services, now existing or which may hereinafter been enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services the Company may from time to time make available to the Cardholder in connection with the Citi Alerts Services.

10.2 The Cardholder is responsible for the security of his telecommunications equipment and must take all reasonable precautions to prevent anyone else from accessing any confidential information and the Company is not liable for any disclosure of confidential information.

or fees and method of payment in any manner as the Company deems fit by prior notice. Amendments will take effect on such date as stipulated by the Company in accordance with the applicable code of practice.

12.2 If the Cardholder does not accept the Company's amendments, the Cardholder will discontinue the Card by written notice to the Company before such amendments become effective.

12.3 Any Transaction using the Card after the effective date of the amendments will be deemed to be conclusive evidence that the Cardholder has accepted and agreed to such amendments without reservation.


any or all of its rights or obligations hereunder to any person without prior notice to the Cardholder. Without prejudice to the foregoing, the Company may also transfer all or part of its rights and obligations hereunder and any amount in the Account to any Group Company if it reasonably considers necessary to comply with any Law or Regulation.

13.2 All notices, Statements or correspondence sent by the Company may be in the form of written notice, statement or advice insert, message by email or preprinted on Statement or advice, or through any other appropriate form determined by the Company. All such notices, Statements or correspondence to be given by the Company will be validly given if dispatched to the Cardholder’s address last registered with the Company and will be deemed to be received by the Cardholder within a generally acceptable time of that means of communication.

13.3 The Company is hereby authorized (but is not obliged) to accept any instructions given by (a) telephone, telex, mail, facsimile transmission or in writing purportedly given by the Cardholder; or (b) electronic means (including emails and SMS) given in such manner as the Company may prescribe from time to time all without any inquiry by the Company as to the authority or identity of the person making or purporting to give such instructions or their authenticity notwithstanding any error, misunderstanding, fraud, forgery or lack of clarity in or authorization for their terms provided that the Company may refuse to act on the instructions if the Company reasonably believes that by carrying out the instructions, (a) the Company, (b) any of its Group Companies, and/or (c) any of its Third Party Service Providers may break the Law or Regulation. The Company will not be liable to the Cardholder for any loss or damage suffered by the Cardholder resulting in any way from a refusal to act on the instructions under this clause.



13.6 This Agreement will be governed by and construed in accordance with the laws of Hong Kong. The Cardholder hereby submits to the non-exclusive jurisdiction of the courts of Hong Kong.

13.7 Nothing in these terms, this Agreement, and/or any other agreement, document, instrument or arrangement between Cardholder and the Company, whether expressed or implied, is intended to, or will, confer on any person any benefit or any right to enforce any term which such person would not have but for the Contracts (Rights of Third Parties) Ordinance (Cap.623 of the Laws of Hong Kong).

10.3 The Cardholder agrees that the Company shall use reasonable effort to ensure that the Citi Alerts Services are secure and cannot be accessed by unauthorized third parties. However, the Cardholder acknowledges that the Company does not warrant the security, secrecy or confidentiality of any information transmitted via the Citi Alerts Services. The Cardholder confirms that he understands and accepts all possible risks involved in using the Citi Alerts Services including, without limitation, the Citi Alerts Services being intercepted, monitored, amended, tempered with or being sent or disclosed to other parties without the Cardholder’s authorization.

10.4 The Cardholder acknowledges that any information received by the Cardholder via his telecommunications equipment pursuant to the Citi Alerts Services is for his (and not any other persons) reference only, and shall not be taken as conclusive evidence of the matters to which it relates.

10.5 Neither the Company nor any of the telecommunications companies designated by the Company for the purposes of providing the Citi Alerts Services will assume any liability or responsibility for any failure or delay in transmitting information to the Cardholder or for any error or inaccuracy in such information unless it results from any negligence or willful default on the part of the Company or of such telecommunications company. In particular, the Cardholder understands that neither the Company nor any such telecommunications company shall assume any liability or responsibility for consequences arising from any cause beyond its reasonable control including, without limitation, failure of the Cardholder’s telecommunications equipment to receive information for whatever reason, any telecommunications breakdown, Internet service provider failure, power failure, malfunction, breakdown, interruption or inadequacy of equipment or installation, act of God, government act, civil commotion, strike, war, fire, flood or explosion.

10.6 The Cardholder understands the third party supporting the Citi Alerts Services (including the telecommunications company designated by the Company) is neither agency of the Company nor representing the Company, and there is no co-operation, partnership, joint venture or other relationship with the Company and the Company is not responsible for any loss caused by such third party including system operator.

10.7 The Citi Alerts Services use proprietary software of the Company, the Company’s affiliates or other software suppliers. The Cardholder agrees that the Company has granted the Cardholder a non-exclusive license to use this software in connection with the Citi Alerts Services which allow the Cardholder to use such software only for its intended purposes. The Cardholder agrees that he shall not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so.


suspend, extend or modify any of the facilities or services provided to the Cardholder, increase or reduce the Customer Credit Limit, Loan Limit or Cash Advance Limit, withdraw any or all of the Cards, close the Account or terminate this Agreement without any reason or cause nor prior notice to the Cardholder. Without limiting the Company's rights as aforesaid and as an illustration, any such right is likely to be exercised if the Cardholder is in breach of any of the terms of this Agreement, fails to pay any amount when due, or commences or suffers to have any insolvency, execution or similar action or proceedings against himself or for the purpose of complying with the Law or Regulation.

11.2 The Cardholder may terminate this Agreement at any time by written notice to the Company.

11.3 The Company may (with or without having suspended or reduced the credits extended, withdrawn any Card or terminated this Agreement) require the Cardholder to immediately pay the entire outstanding balance under each of the Accounts. All obligations of the Cardholder incurred or existing under this Agreement as of the date of termination will survive such termination.

11.4 If the Company for whatever reason terminates this Agreement, the Company may at any time within six (6) months after the termination of this Agreement issue any card to the Cardholder in substitution for the Card.


of this Agreement including, without limitation, the rates of any charges CT

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of this Agreement including, without limitation, the rates of any charges

4.4 以非港幣之貨幣達成的交易付款，發卡公司將會按由VISA/MasterCard

在折算日從國際市場兌換率中選擇的兌換率折算為港幣。此等交易亦將另外收取列載於服務收費表上的手續費。



5. 費用支付


5.2 若持卡人未能按本合約支付到期需付或應付的款項，發卡公司可能委派收賬公司催收有關款項。若發卡公司因向持卡人催繳、追收或在控告持卡人賠償在本合約規定下應付之欠款或因持卡人違反或不遵守本合約條款而需作出其他補償，而須支付的律師費、收賬費用或其他開支，持卡人將補償發卡公司法庭按訴訟各方共同基金基準評定的律師費(合理地招致及金額合理的費用及開支)，雙方另行協議除外。與此有關的其他地招致的合理費用及開支(包括收賬公司的費用)將由持卡人補償，但最高補償金額為原欠付款項金額的百份之三十(30%)。


5.4 持卡人與任何有關八達通儲值卡服務及相關交易之糾紛，將由持卡人直接與八達通自行解決。發卡公司將毋需對此負責。

5.5 發卡公司只會在如實收到已兌現的付款及將外幣付款據發卡公司一般慣常運作由發卡公司兌換成港幣後，並在不作任何抵銷、追討、附帶條件、限制、扣除或預扣下，才被視為收到持卡人的付款及已將付款存入賬戶中。


任何計劃或發卡公司其他的分期計劃下未付的分期付款餘額；及(6)其他交易之未付本金餘額(在該些交易被徵收的的財務費用利率有所不同的情況下，費用收取次序為最高利率至最低利率)；或可在發卡公司毋須預先通知持卡人之下但認為適當的次序支付款項。

5.7 閣下同意本行可在任何時候郵寄支票至閣下最後更新之通信地址，以退還該戶口內部分或全部之結餘，而毋須事先通知。C

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Citi八達通信用卡合約條款及細則


花旗銀行(香港)有限公司(簡稱「發卡公司」)按下列的條款發出Citi八達通信用卡(簡稱「此卡」)給閣下(簡稱「基本卡持有人」)和任何經基本卡持有人提名而又獲發卡公司批准發給附屬卡之人士(簡稱「附屬卡持有人」)。基本卡持有人和附屬卡持有人(每位簡稱「持卡人」，基本卡持有人和附屬卡持有人亦統稱「持卡人」)在簽署或使用此卡時，即表示共同及個別同意或確認同意遵守本合約以下條款及負責支付據以下條款應付給發卡公司的款項，但附屬卡持有人毋需負責基本卡持有人或其他附屬卡持有人的債務：

1. 持卡人資料



2. 此卡的使用

2.1 持卡人將須(a)於收到此卡後立即簽署(須與信用卡申請表格或或發卡公司所訂明的該其他文件上的簽署相同)；(b)經常小心保管此卡並確保於任何時間均此卡由持卡人持有；及不可允許任何第三者以任何方式使用此卡；(c)不能使用超過發卡公司不時酌情決定的信貸限額(簡稱「客戶信貸限額」)；(d)不能使用超過發卡公司不時酌情決定的現金透支限額(簡稱「現金透支限額」)，現金透支限額為客戶信貸限額的一部份；(e)不能使用超過發卡公司不時酌情決定的信貸限額(簡稱「信貸限額」)；及(f)不可在此卡被收回、取消或失效後繼續使用。


2.3 當使用此卡時，持卡人應確定於任何單據上的簽署與信用卡申請表格(或發卡公司所訂明的該其他文件)及此卡上之簽署相同，以便發卡公司可以進行核對確認。為免生疑，持有人若未能實行此要求，將不會免除其使用此卡的任何責任。若持卡人想就此卡採用新的簽署，需事先向發卡公司提出書面申請。

2.4 此卡可根據以下第3條款用作信用卡和/或八達通儲值卡。


3.1 信用卡功能

3.1.1 此卡可在發卡公司的任何分行和其他接受此卡的財務機構及商戶使用。此卡可用作購買物品和服務、現金透支、付賬和獲得發卡公司隨時提供或安排之其他與信用卡有關的設施或服務。

3.1.2 即使持卡人沒有簽署任何單據和/或此卡之使用已超過客戶信貸限額，持卡人仍須負責一切因使用此卡而實行的交易(簡稱「交易」)。未有持卡人簽署使用此卡而實行的交易包括但不限於以

電話、傳真、郵寄或電子媒介、直接授權從戶口轉賬付款、或利用自動櫃員機服務(無論此設備是屬於發卡公司與否)或透過商戶之銷售點終端機或用信用卡電話服務或任何其他發卡公司不時認可的設備發出的指示。

3.2 八達通功能

3.2.1 此卡可用作八達通儲值卡。八達通有限公司(簡稱「OCL」)提供的此項服務乃受OCL發出及不時更改的八達通卡的條款與細則所約束。

3.2.2 根據此卡中八達通儲值卡功能儲存的金額(不論是基本卡持有人或附屬卡持有人)，將會透過八達通自動增值服務(簡稱「AAVS」)獲自動增值，而增值金額會從基本卡持有人户口中扣除。AAVS受持卡人與OCL之間的八達通自動增值協議條款所約束。持卡人並不可以取消AAVS(除非連同此卡一起終止)或使用AAVS連繫此卡和其他八達通儲值卡。

3.2.3 持卡人已獲自動登記為八達通日日賞計劃之會員及受八達通日日賞有限公司發出及不時更改的的八達通日日賞條款與細則所約束。


3.4 受以下有關條款規限，免息分期付款計劃(簡稱「本計劃」)只在持卡人光顧發卡公司可能不時指定的商戶(各稱「商戶」)時適用於持卡人。就每次使用本計劃的交易而言：




4. 費用及收費

4.1 發卡公司將為持卡人使用此卡而設一賬戶(簡稱「賬戶」)。發卡公司有權從此賬戶支取所有交易之款項和所有費用、收費、利息、欠款和其他據本合約應付的款額(統稱為「費用」)。

4.2 發卡公司將每月向持卡人發出賬戶的月結單(簡稱「月結單」)，詳列所有交易及費用(簡稱「月結單總結欠」)及到期繳付日(簡稱「付款限期」)。若自上一期月結單後沒有任何交易而賬戶的貸方或借方結餘亦少於發卡公司不時訂定的金額(現時為港幣二十元)的話，發卡公司可以不向持卡人發出月結單。

4.3 除發卡公司可使用其權利要求持卡人在付款限期之前或當日繳付月結單總結欠外，持卡人將按照發卡公司列載於花旗銀行信用卡服務收費表(簡稱「服務收費表」)或不時訂定的收費率支付以下各款項給發卡公司：

(a) 最低付款額月結單上顯示的最低付款額(簡稱「最低付款額」)，但持卡人

亦可償還多於最低付款額的款項。



(c) 現金透支費用及現金透支利息持卡人每次使用現金透支服務須繳付列載於服務收費表的現金

透支費用，而發卡公司將按有關現金透支之總額(包括現金透支費用)由現金透支提取日起直至全數繳付為止收取財務費用。所有財務費用將以每日計算和累積。月結單內之現金透支利息之實際年利率已包括現金透支費用及財務費用在內，並根據銀行營運守則所訂定的淨值法計算。

(d) 財務費用發卡公司將每月檢討閣下的戶口情況，若戶口顯示上期月結單

(簡稱「上期月結單」)所述的月結單總結欠未能在付款限期當日或之前繳付，發卡公司將就其上期月結單的未繳付之結欠由上期月結單日起直至全數存入賬戶為止，收取財務費用(根據月結單或服務收費表或發卡公司不時酌情通知的利率收取，以服務收費表所顯示的最低金額為下限)。此外，所有由上期月結單日起計的所有新交易簽賬將計入未付之結欠中，以計算各項由相關交易日起計的財務費用(即使該各項新交易是在本月月結單的付款限期才需付款，但有關認購或購買發卡公司任何投資產品的交易除外)。所有財務費用將以每日計算和累積。



(f) 服務費用發卡公司將於其指定日期向持卡人之賬戶收取列載於服務收費

表上不可退還的年費。發卡公司亦將就現金付款或索取任何有關此卡紀錄之服務，從

賬戶收取列載於服務收費表上的服務費用。




(i) 外幣匯票託收費用若持卡人以港幣以外之其他貨幣付款，該筆付款只將在發卡公

司收到後及扣除所有收款費用後，才存入賬戶中。


超額費用。



(l) 拖欠財務費用發卡公司將每月閱討信用卡戶口以決定是否收取拖欠財務費用。





上的手續費。





(q) 即時增加臨時信用額手續費持卡人若使用即時增加臨時信用額服務，需繳付列載於服務收







上的手續費。



6.1 持卡人應根據發卡公司不時提供之指示留意信用卡及密碼之保安。若此卡遺失或被竊或被人知悉其密碼，持卡人須在合理可能的情況下盡快致電發卡公司之Citibank電話理財服務2860 0333 / 白金卡服務熱線2860 0360 (僅供花旗銀行白金卡持卡人使用) / Ultima

服務熱線2860 0308 (僅供花旗銀行Ultima持卡人使用)，通知發卡公司。

6.2 在持卡人通知發卡公司其遺失或被盜取卡/個人密碼或其他人知道其個人密碼前，持卡人均須對透過此卡實行的所有交易(不論持卡人授權與否)負責。不過，如損失並不是因持卡人的欺詐行為，或嚴重疏忽，或違反條款6.1而引致的，持卡人對未經授權交易要承擔的責任則以港幣五百元為上限。上述所提及持卡人的承擔金額上限，並不適用於 (i) 在自動櫃員機使用此卡(不論是否發卡公司之自動櫃員機)的交易；或 (ii) 使用此卡中八達通儲值卡功能的交易。



7.1 持卡人同意發卡公司可以隨時毋須事前通知，從持卡人於發卡公司及花旗銀行開設之任何形式及任何貨幣賬戶，無論該些賬戶是持卡人獨自或與其他人仕共同擁有，抵銷或調動所存之任何款項，以償還持卡人使用此卡之任何貨幣的欠款。若某些欠款因某些待發事件尚未需要償還，發卡公司及花旗銀行有權暫停支付相等於欠款額的賬戶存款給持卡人，直至此待發事件發生為止。


7.3 持卡人同意(a)發卡公司、(b)任何其集團公司及/或(c)任何其第三方供應商，可為遵照任何法律或規章，就預扣、入息稅、增值稅、任何物業出售或處置稅、徵稅或其他合法收取款項(統稱“已收取款項”)，從向持卡人或持卡人的賬戶或任何持卡人的賬戶支付的任何款項中，或從持卡人的賬戶或任何賬戶中，預扣或扣減款項或金額與已收取款項相等的款項。任何已收取款項須根據相關規定依時向有關機關支付。持卡人會在合理可行範圍內盡早獲通知任何已收取款項。持卡人確認發卡公司將無須向持卡人償付被付款設施供應商預扣或扣減的任何款項。此外，以發卡公司或任何其集團公司或其第三方服務供應商現時或已經以其資金支付或現時或將會被要求向機關支付應屬於但當時並非已收取款項的金額為限，持卡人須向發卡公司彌償有關款項，連同與其相關的任何利息及罰款。持卡人明白發卡公司無須就機關所提出的任何付款要求提出反對。

8. 個人資料

8.1 持卡人同意發卡公司不時收取有關持卡人之個人資料，可根據發卡公司不時備有供客戶索取之不時生效的有關個人資料(私隱)條例的政策聲明，為其所述的目的，供任何集團公司或第三方服務供應商及有關個人資料(私隱)條例的政策聲明中所述人士(不論在香港境內

或境外)，及為遵從任何法律或規章或應任何法院、法律程序、審計或任何機關的調查所規定而供有關機關使用、保存、向其披露及/

或轉移。即使有任何適用的不披露協議存在，前述內容亦應適用。持卡人確認有關個人資料及戶口資料或記錄可以轉移至沒有嚴格資料保障或資料私隱法律的司法管轄區。





9.1 通過登記和使用發卡銀行以電子方式提供電子賬戶月結單及/或指定通知書(分別簡稱「電子月結單服務」及「電子通知書服務」)，持卡人接受及同意受本合約第9條款約束。在登記電子月結單服務及/或電子通知書服務後，持卡人將不會再收到月結單及/或指定通知書的印本文件 ( 指定通知書包括閣下於網頁www.citibank.com.hk/e-advice不時列出種類的通知書)。持卡人同意遵從任何及所有現時或此後制定、頒佈或執行並適用於電子月結單服務及/或電子通知書服務的法律、法規、規定及官方指引，以及發卡公司不時向持卡人提供，藉以規管有關電子月結單服務及/

或電子通知書服務使用其他設施、優惠或服務的其他條款及條件。

9.2 持卡人同意，若發卡公司成功將與電子月結單服務及/或電子通知書服務有關的電郵(如適用)送遞往持卡人指定的電郵地址，應視為將每月結單及/或指定通知書送交持卡人。若發卡公司未能將電子月結單服務及/或電子通知書服務有關的電郵送遞往持卡人/指定的電郵地址，或基於任何理由，儘管持卡人登記電子月結單服務及/

或電子通知書服務，發卡公司可全權酌情決定將任何帳戶月結單及/

或通知書郵寄往持卡人最新登記的郵遞地址。





或通知書。

9.7 若持卡人擬取消電子月結單服務及/或電子通知書服務的登記，須於下期月結單/下一張通知書日期前不少於 10個工作天前透過Citibank網上理財，或於下一個結單/下一張通知書日期前最少15個

工作天致電Citibank電話理財服務熱線2860 0333/白金卡服務專線2860 0360(僅供花旗銀行白金卡持卡人使用)/Ultima服務專線2860 0308(僅供花旗銀行Ultima持卡人使用)/Citi Prestige服務專線2860 0338(僅供花旗銀行Citi Prestige持卡人使用)/American

Express服務專線2860 0366(僅供Citi Cash Back American Express®

Card會員使用)或前往花旗銀行分行，通知發卡公司。在取消電子月結單服務及/或電子通知書服務的登記後，發卡公司將恢復向持卡人印發月結單及/或通知書。











13. 其他


13.2 所有發卡公司發出之通知、月結單或書信可以書面通知、月結單附件或通知書，電子郵件訊息或印在月結單或通知書上訊息或透過發卡公司認為恰當之任何其它形式。所有此等發卡公司發出之通知，月結單或書信在向持卡人最後在發卡公司登記的地址發送後即為有效發出，並在該等通訊方式之通常遞送時間內視為已由持卡人收取。

13.3 發卡公司特此被授權(但並非必須)接納經以下方式發出的指示：(a)

據稱由持卡人發出的電話、電傳電報、郵寄、傳真傳輸或書面指示；或(b)以發卡公司不時指定的方式透過電子途徑(包括電子郵件及短訊)發出的指示，儘管有任何錯誤、誤解、欺詐、偽造或在條款上不清晰或欠缺授權，不須發卡公司查詢有關人士作出或據稱給予此等指示的權限或身份，或查詢它們是否真實。但如發卡公司合理相信執行有關指示，(a)發卡公司、(b)任何其集團公司及/或(c)任何其第三方服務供應商可能違反法律或規章，發卡公司可拒絕執行有關指示。發卡公司將無須就持卡人因在本條款下的指示遭拒絕執行而蒙受的任何損失或損害向持卡人負責。







10.6 持卡人明白支持Citi Alerts即時短訊服務的第三方(包括發卡公司指定的電訊公司)並非發卡公司的代理，亦不代表發卡公司，且與發卡公司並無合作、合夥、聯營或其他關係。發卡公司不會為該第三方(包括系統營運者)引致的任何損失負上責任。




11. 取消

11.1 發卡公司保留權利並可以在毋需給與持卡人任何理由或事先通知下，收回、暫停、延長或更改任何提供給持卡人的設施或服務、提高或降低客戶信貸限額、現金透支限額、收回任何或所有此卡、結束賬戶或終止本合約。在不局限發卡公司上述權利及作為實例說明，發卡公司可能在下述情況下行使該等權利，例如持卡人違反本合約之任何條款、沒有支付到期款項或開始或面對破產、償債或類似行為或訴訟或為了令任何法律或規章可獲遵從。


11.3 發卡公司可以(無論有否暫停或減少信貸，或收回此卡，或終止本合約)要求持卡人立刻償還賬戶內全部之欠款。即使本合約經已終止，持卡人仍須負擔因本合約所產生或仍然存在之責任。


11.5 若此卡在任何情況下終止，

(a) 發卡公司有權扣除八達通儲值卡內的剩餘金額以抵銷持卡人所欠的金額，或

(b) 發卡公司有權從基本卡持有人户口內扣除八達通儲值卡內所欠的金額。

12. 修訂


12.2 若持卡人拒絕接受發卡公司之新修訂，持卡人將須在該修訂生效前停止其賬戶。





5. 費用支付












1. 持卡人資料



2. 此卡的使用






3.1 信用卡功能




3.2 八達通功能









4. 費用及收費























超額費用。








上的手續費。












上的手續費。











8. 個人資料

















或通知書。















13. 其他















11. 取消








12. 修訂



and the details of the Statements shall be conclusive evidence against the Cardholder without any further proof that they are correct except as to any alleged errors so notified and subject to the Company’s right to adjust and amend (which may be exercised by the Company at any time) any entries or details wrongly or mistakenly made by the Company.




5.3 The Cardholder will directly settle disputes between merchants and the Cardholder for goods and services purchased. The Company will not be responsible for goods and services supplied by merchants or for refusal of any merchant to accept or honour any Card. Credits to the Account for refunds made by merchants will be made only when the Company receives a properly issued credit voucher.

5.4 The Cardholder will directly settle disputes between Octopus and the Cardholder for any matters in relation to Octopus stored value card function or transactions in relation thereto. The Company shall not be responsible for any such matters.






Company from time to time regarding the security of the card and the

Citi Octopus Credit Card AgreementTERMS AND CONDITIONS

(Effective on February 1, 2018)

Citi Octopus Credit Card (“Card”) is issued by Citibank (Hong Kong) Limited (the “Company”) to you (“Principal Cardholder”) and any person nominated by the Principal Cardholder and approved by the Company to receive a Supplementary Card (“Supplementary Cardholder”) upon the following terms. By signing or using the Card, the Principal Cardholder and any Supplementary Cardholder (each a and together the “Cardholder”) jointly and severally agree or confirm their agreement to abide by and, with the exception that a Supplementary Cardholder shall not be liable for the debts of the Principal Cardholder or other Supplementary Cardholders, be liable for any payment to the Company in connection with the following terms:1. CARDHOLDER'S INFORMATION 1.1 The Cardholder understands that the Company issues the Card on the



2. USE OF CARD 2.1 The Cardholder will (a) sign the Card upon receipt (adopting the same

signature in the application form or such other documents as may be prescribed by the Company); (b) keep the Card under his personal control at all times, and should not authorize any third party to use the Card in any manner; (c) not exceed the credit limit assigned by the Company from time to time at its discretion ("Customer Credit Limit"); (d) not exceed the cash advance limit (which forms part of the Customer Credit Limit) assigned by the Company from time to time at its discretion ("Cash Advance Limit"); (e) not exceed the loan limit assigned by the Company from time to time at its discretion ("Loan Limit"); and (f) not use the Card after it is withdrawn, cancelled or malfunctioned.



2.4 The Card may be used as a credit card and/or as an Octopus stored value card as specified in Clause 3 below.

3. TRANSACTIONS EFFECTED THROUGH CARD 3.1 Credit card functionality 3.1.1 The Card may be used as a credit card at any branch of the Company

and other financial institutions and merchants, which accept the Card for effecting purchases of goods and services, drawing of cash advance, payment of the Cardholder's outstanding accounts and such other credit card facilities or services as the Company may from time to time provide or arrange.

3.1.2 The Cardholder will be liable for all transactions ("Transactions") effected through the use of the Card even if no sales draft is signed by him and/or the Customer Credit Limit is exceeded. Types of Transactions effected without the Cardholder's signature may include, without limitation, orders placed by telephone, fax, mail or electronic means, direct debit authorization, or use of the Card in an automated teller machine (whether or not such a device is that of the

Company), at merchant's point of sale terminal, in a credit card payphone or any other device approved by the Company from time to time.

3.2. Octopus stored value card functionality 3.2.1 The Card may be used as an Octopus stored value card. Such use is

provided by Octopus Cards Limited (“OCL”) and is subject to the Conditions of Issue of Octopus issued and amended by OCL from time to time.

3.2.2 The value stored pursuant to the Octopus stored value card function in the Card (regardless of whether it is for the Principal Cardholder or Supplementary Cardholder) shall be automatically reloaded through the Automatic Add Value Service (“AAVS”), and the reloading amount shall be charged against the Account of the Principal Cardholder. The AAVS is subject to the Octopus Automatic Add Value Agreement between the Cardholder and OCL. The Cardholder may not cancel the AAVS (unless terminated together with the Card itself) nor link the Card to another Octopus stored value card through AAVS.

3.2.3 The Cardholder shall automatically be registered as a member of the Octopus Rewards Programme and be subject to the Terms and Conditions for Octopus Rewards Programme issued and amended by Octopus Rewards Limited from time to time.


3.4 Subject to the relevant terms hereunder, the Interest-Free Installment Plan (the “Plan”) is only applicable to the Cardholder at such merchants as may be designated by the Company from time to time (each a “Merchant”). In respect of each Transaction using the Plan:




4. CHARGES 4.1 The Company will maintain an account ("Account") in respect of the Card


4.2 The Company will issue to the Cardholder a monthly statement (“Statement”) of the Account setting out details of all Transactions and

Charges (“Statement Balance”) and the date by which payment must be made (“Payment Due Date”). However, the Company may not issue a Statement to Cardholder if there has been no Transaction since the last Statement, and the credit or debit balance is less than such amount as may be determined by the Company from time to time (currently HKD20.00).

4.3 Subject to the Company's right to require the Cardholder to pay the full amount of the Statement Balance on or before the Payment Due Date, the Cardholder will pay to the Company the following sums at such rates as shown in the Citibank Credit Card Fees Schedule (“Fees Schedule”) or as may be determined by the Company from time to time:-


("Minimum Payment Due") although the Cardholder may pay any larger sum he wishes.




each cash advance drawn by the Cardholder and the aggregate amount of the cash advance (including the cash advance fee) will be subject to the applicable finance charge from the date when the cash advance is drawn until the entire amount of the outstanding cash advance balance is credited to the Account. All finance charges will be calculated and accrued on a daily basis. The total of cash advance fee and finance charge will be shown as a cash advance charge on the Statement in an Annualized Percentage Rate which is calculated according to the Net Present Value method as specified in the Code of Banking Practice.


that the entire amount of the Statement Balance stated in the previous Statement (“Previous Statement”) is not so received on or before the Payment Due Date of the Previous Statement, a finance charge (as stipulated in the Statement or Fees Schedule or notified by the Company to the Cardholder from time to time at its discretion subject to a minimum amount as shown in the Fees Schedule ) will be charged on the unpaid balance of the Previous Statement from the Previous Statement date until full payment is credited to the Account. All new Transactions incurred since the Previous Statement date (except for Transactions relating to the subscription or purchase of any investment product with the Company) will be added to the unpaid balance for the purpose of assessing finance charge as from the respective dates of such Transactions notwithstanding that such Transactions will not be payable until the Payment Due Date stated in the current Statement. All finance charges will be calculated and accrued on a daily basis.









(i) Collection Fee If payment is made by the Cardholder in a currency other than Hong

Kong dollars, the Account will only be credited with such payment after its receipt and deduction of all collection costs
















dollars are converted from the transaction currency into Hong Kong dollars at a wholesale market rate selected by VISA/MasterCard from within a range of wholesale market rates on the conversion day. A handling charge as specified in the Fees Schedule will also be charged on such transactions.

4.5 The Cardholder agrees that it is the Cardholder’s sole responsibility to ensure that every Statement is received in due time and to enquire with and obtain the same from the Company forthwith if not duly received. The Cardholder undertakes to verify the correctness of each Statement and to notify the Company within 60 days from the date of the Statement of any discrepancies, omissions, errors or wrong or incorrect entries or details. At the end of each such period, the Company’s records

PIN. The Cardholder must inform the Company as soon as reasonably practicable through the Company's CitiPhone Banking 2860 0333 / Platinum Service Line 2860 0360 (for Citibank Platinum Cardholders only) / Ultima Service Line 2860 0308 (for Citibank Ultima Cardholders only) if any card is lost or stolen or when someone else knows his PIN.

6.2 The Cardholder shall be fully liable for any transactions (whether or not authorized by him) effected by the use of the Cards before he has informed the Company that the Card / PIN has been lost or stolen or that someone else knows the PIN. However, provided that the Cardholder has not acted fraudulently, with gross negligence or in breach of Clause 6.1, the Cardholder's maximum liabilities for such unauthorized transactions shall not exceed HKD500.00. The application of the aforesaid limitation on liability of the Cardholder does not apply to loss related to transactions resulting from (i) use of Card in automated teller machine (whether or not such device is that of the Company); or (ii) use of the Octopus stored value card function on the Card.





7.3 The Cardholder agrees that (a) the Company, (b) any of its Group Companies, and/or (c) any of its Third Party Providers may withhold or deduct any collected amount, meaning an amount for or on account of, or which represents, withholding, income tax, value added tax, tax on the sale or disposition of any property, duties, or any other lawfully collected amount (the “Collected Amount”), which is required to be withheld or deducted to comply with any Law or Regulation from any payment to the Cardholder, or to or from the Account or any of the Cardholder’s accounts. Any Collected Amount shall be timely paid to the relevant Authority in accordance with the relevant requirement. The Cardholder will be notified of any Collected Amount as soon as reasonably practicable. The Cardholder acknowledges that the Company will not be required to reimburse the Cardholder for any amount withheld or deducted by a Payment Infrastructure Provider. Further, to the extent the Company or any of its Group Companies or its Third Party Service Providers pays or has paid from its own funds or is or will become required to make a payment to an Authority in respect of an amount that should have been, but was not, a Collected Amount, the Cardholder will indemnify the Company for such payment, plus any interest and penalties thereon. The Cardholder understands that the Company is not required to contest any demand made by an Authority for such payment.


Cardholder collected by the Company from time to time may be used, held, disclosed, and/or transferred to any of the Group Companies or Third Party Service Providers and such persons (whether in or outside Hong Kong) as set out in the Policy Statement relating to the Personal Data (Privacy) Ordinance of the Company from time to time in force available by the Company to its customers from time to time for the purposes as stated in the said Policy Statement and the Authorities for compliance with any Law or Regulation or as required by or for the

purpose of any court, legal process, audit or investigation of any Authority. The aforesaid shall apply notwithstanding any applicable non-disclosure agreement. The Cardholder acknowledges that such personal data and account information or records may be transferred to jurisdictions which do not have strict data protection or data privacy laws.



















10.4 The Cardholder acknowledges that any information received by the Cardholder via his telecommunications equipment pursuant to the Citi Alerts Services is for his (and not any other persons) reference only, and

12.2 If the Cardholder does not accept the Company's amendments, the Cardholder will discontinue the Account by written notice to the Company before such amendments become effective.










shall not be taken as conclusive evidence of the matters to which it relates.







11.3 The Company may (with or without having suspended or reduced the credits extended, withdrawn any Card or terminated this Agreement) require the Cardholder to immediately pay the entire outstanding balance under the Account. All obligations of the Cardholder incurred or existing under this Agreement as of the date of termination will survive such termination.


11.5 If the Card is terminated for whatever reason, (a) the Company may set off any remaining value in the Octopus stored

value card function against any outstanding debts owed by the Cardholder, or

(b) any negative balance in the Octopus stored value card function shall be deducted from the Account.


of this Agreement including, without limitation, the rates of any charges or fees and method of payment in any manner as the Company deems fit by prior notice. Amendments will take effect on such date as stipulated by the Company in accordance with the applicable code of practice. C

TB

_CC

A_0

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八達通日日賞計劃條款及細則

請注意第6條的個人資料收集聲明。

1. 條款及細則本條款及細則，自2016年11月13日起適用於全體會員。

2. 引言2.1 本條款及細則屬閣下（本公司的會員）與本公司（八達通獎賞有限

公司）之間的合約。客戶獎賞和特設優惠計劃（下列簡稱「八達通日日賞計劃」或「計劃」）則是由本公司夥拍其他多間機構（下列統稱「參與商戶」）聯合營辦。

2.2 本條款及細則，解釋閣下與本公司應向對方承擔的責任。雖然它們適用於本公司所有的主要服務，但或會因應閣下可能使用或參與的個別服務所特設的條款及細則，而須補充或修改。

2.3 本條款及細則的專門用語，釋義如下： (a)「獎賞」— 根據第4.1條所指並獲得閣下同意而提供的

資料，這可以包括日日賞$、宣傳品和其他閣下可能獲取的由本公司所精選提供的優惠；

(b)「持卡人」— 任何持有或使用八達通（以下簡稱「八達通」）的人士，或任何獲發八達通並已於本計劃登記的人士；

(c)「發卡條款」— 指八達通卡有限公司不時修訂並刊發的八達通發卡條款，並可隨時向八達通卡有限公司索取或於八達通卡有限公司網站www.octopus.com.hk下載；

(d)「香港」—中華人民共和國香港特別行政區； (e)「推廣產品或服務種類」— 指透過零售或網上銷售

途徑，由八達通卡有限公司提供的產品及服務之推廣優惠，以及八達通日日賞參與商戶有關日日賞$獎賞的提供及/或兌換優惠，該日日賞參與商戶將提供下列各類產品、設施或服務：

i. 消費品及服務（燃料、健康及美容、個人護理、鞋類、街市）；

ii. 娛樂 /康樂； iii. 金融、銀行及信用卡； iv. 網上拍賣、生活資訊、團購、購物、交易及付款平台； v. 零售（含酒精飲品、服裝、麵飽或餅店、電子產品、

飲食、寵物相關消費、購物商場、超級市場）； vi. 電訊；及 vii.運輸及旅遊； ( f ) 「會員」— 任何人士必須根據第4.1條提供資料並啟動其

會員八達通，方可完成登記成為本計劃的會員； (g)「會員八達通」—由閣下持有並已提供其號碼以於本計劃登

記的八達通。閣下的會員八達通號碼將會是閣下在本計劃中的會員證號碼（識別）；

(h)「八達通」— 八達通卡有限公司按發卡條款所發出實體形式的儲值支付工具卡及產品；

( i ) 「啟動日日賞功能」— 這是到任何一個「八達通日日賞服務站」或其他由本公司不時公佈的途徑啓動閣下的會員八達通上的八達通日日賞功能；

( j ) 「八達通日日賞服務站」—提供有關啟動日日賞功能、查閱日日賞$餘額及下載日日賞$等服務的服務站；

(k)「參與商戶」— 希望為閣下帶來獎賞及特設優惠的本公司業務夥伴（下稱「獎賞商戶」）或用日日賞$兌換優惠的夥伴（下稱「兌換商戶」），而目前此等商戶的名單已詳列於本公司網站www.octopusrewards.com.hk，並不時更新。大部分參與商戶都會提供日日賞$獎賞，部分則會提供日日賞$兌換，部分更兩者兼備；及

( l ) 「日日賞$」或「R$」—八達通日日賞計劃送出及認可的基本獎賞。憑日日賞$可到日日賞$兌換商戶兌換產品、設施及服務。

3. 基本獎賞及優惠3.1 八達通日日賞計劃是本公司連同參與商戶聯合舉辦。3.2 本計劃只適用於18歲或以上之八達通持有人。如閣下為按發卡條

款所定義的銀行聯營八達通持有人，應參考發卡銀行或金融服務公司有關登記本計劃的政策及程序。

3.3 登記參加本計劃後，閣下可以獲取參與商戶提供的日日賞$。若閣下同意本公司於直接促銷推廣上根據第6.2條使用閣下的個人資料，包括八達通號碼（宣傳資料上只會顯示部份號碼）、電郵地址及/或聯絡電話以發放推廣短訊，閣下可獲取本公司精選的獎賞優惠。若閣下選擇拒絕接收本公司所提供的直接促銷推廣資料或要求本公司停止使用閣下之全部或所指定的個人資料作直接促銷推廣用途，可根據第6.6條通知本公司。

4. 登記及啟動日日賞功能4.1 要成為八達通日日賞計劃的會員，閣下須填寫載於本公司網站

www.octopusrewards.com.hk之網上登記表格，並提供部分個人資料及閣下準備作為會員證號碼的八達通號碼。

4.2 在正常情況下，登記完成後閣下需要透過本公司任何一個提供啓動日日賞功能服務的八達通日日賞服務站或其他由本公司不時公佈的途徑啓動閣下的會員八達通。最新的八達通日日賞服務站地點一覽表，已刊登於本公司網站www.octopusrewards.com.hk。閣下須啟動你的會員八達通，方可享受本計劃提供的獎賞。

4.3 在閣下登記成為會員時，以及使用會員八達通時向本公司所提供的資料，將有助本公司精心挑選出相信閣下會喜愛或合用的獎賞優惠。

4.4 八達通獎賞有限公司擁有獨立及絕對的決定權拒絕任何人士的會員登記。閣下應明白，成為會員並不表示閣下將有資格享受由八達通卡有限公司根據八達通發卡條款提供的失卡服務。只有當閣下的會員八達通附有由八達通卡有限公司提供的個人八達通服務或八達通自動增值服務，閣下才可獲補回閣下遺失的會員八達通上儲存的日日賞$。

5. 賺取和兌換日日賞$5.1 參與商戶給予閣下的第一份獎賞將是日日賞$。5.2 參與獎賞商戶給閣下的日日賞$，與閣下繳付產品、設施或

服務時的付款方式（無論是使用八達通、現金、信用卡、記帳卡或支票）無關。因此賺取日日賞$並不限於使用八達通購物（有異於一般信用卡積分計劃中須使用信用卡付款才有積分）。

5.3 何種消費可獲取日日賞$（及其比率），以及憑日日賞$可兌換何種產品、設施及/或服務，均由參與商戶決定。

5.4 憑日日賞$可在兌換商戶兌換部分產品、設施及服務。所兌換的產品、設施及/或服務純屬兌換商戶的責任，本公司對此等產品、設施及服務無須承擔任何責任。

5.5 憑日日賞$1在兌換商戶兌換產品、設施或服務時，其價值應可等同不低於港幣一元的產品、設施或服務。

5.6 日日賞$並無現金價值，不得兌換現金或其他電子幣值（如八達通的儲值額）。

5.7 本公司不能控制有關參與商戶送出的日日賞$及/或兌換優惠的每項具體交易。參與商戶會向閣下提供有關獎賞的清晰資料和說明。

5.8 閣下必須向本公司的參與商戶出示閣下的會員八達通，以賺取或兌換日日賞$。個別情況下，例如使用網上服務，閣下可能需要向參與商戶提供閣下的會員八達通號碼。

5.9 倘若閣下的會員八達通在指定時間內不曾賺取或兌換日日賞$（目前為1,000天），為保障閣下及本公司，本公司會將閣下的會員八達通視作不再使用，並會保留取消閣下的八達通日日賞計劃會籍的權利。

5.10 由於八達通日日賞計劃是透過參與商戶的系統並同時依賴通訊網絡、電力網絡等運作，而此等因素均非本公司所能控制，所以本公司不能完全保證八達通日日賞計劃能夠於任何時間全面運作。然而，本司會竭盡全力，確保本公司的系統能支持參與商戶進行與本計劃有關的活動。

5.11 包括單次宣傳活動中送出的日日賞$（例如參與商戶新參與計劃時）在內的獎賞，將受指定宣傳規則所限，並可能在宣傳期結束後無效。

5.12 日日賞$或任何類別的獎賞均只屬會員個人所有，並不能轉讓或轉移予他人。閣下的會員八達通一經在計劃中登記，即不應轉借他人使用。

5.13 閣下的會員八達通目前的日日賞$儲存上限為日日賞$1,000。倘若上限有所更改，本公司將會於本公司網站 w w w .o c t o p u s r e w a r d s . c om . h k公告。日日賞$一旦累積至上限，日日賞$便不能再儲入閣下的會員八達通，直至日日賞$被兌換為止。

5.14 閣下的會員八達通上的最新日日賞$餘額及任何取得/兌換的日日賞$，均會列印於參與商戶所發出的交易單據上。對於任何交易有任何疑問，應在進行該項交易時向參與商戶的工作人員查詢。本公司不能向閣下提供與日日賞$有關的交易紀錄或查詢紀錄。

6. 個人資料（私隱）條例（「該條例」）的通知（「本通知」）

6.1 該條例規管本公司不時向閣下收集的個人資料及其他資訊（「資料」）的收集、管有、處理及使用事宜。該資料確保本公司向閣下提供服務。有關本公司的私隱政策詳情請參閱本公司刊載於www.octopusrewards.com.hk的「私隱政策」。倘若閣下未能提供資料，本公司可能無法向閣下提供部分服務，例如收取本公司或參與商戶的宣傳資料。

6.2 直接促銷：本公司希望不時使用閣下的八達通號碼（推廣資料上只會顯示部份號碼）、電郵地址及/或聯絡電話以推廣短訊形式，傳送有關各推廣產品或服務種類的直接促銷推廣資料。除非獲得閣下同意，否則本公司不會如此使用閣下的資料。閣下可免費於日日賞登記表格上勾選適當空格，以示拒絕本公司在直接促銷推廣上使用閣下的資料。

6.3 本公司只會如前述中獲得閣下同意後，透過閣下的資料向閣下精選提供與推廣產品或服務種類有關的直接促銷推廣資料。本公司或會執行內部運作程序以確保本公司能夠：

(a) 加深了解閣下的特點，以向閣下提供其他更適切的服務（如特別推廣活動）；

(b)協助本公司挑選閣下應感興趣的產品及服務； (c)跟參與商戶建立關係，不論是否已經建立；及 (d)安排推廣優惠及獎賞。

6.4 目的：閣下同意閣下的資料可被本公司作下列用途：(a)處理閣下的會員八達通登記；(b)定期向閣下提供客戶通知及根據上述第6.2條所示，提供直接促銷推廣資料；

(c)本計劃系統的管理、運作及保養，包括審計及行使本公司與閣下據此條款的權利；

(d)本公司及八達通卡有限公司設計新服務或改善現有的服務；

(e)調查投訴或備受懷疑的可疑交易及研究服務改善措施；(f )防止及偵測罪行；及(g)根據法例、規則、規例、守則或指引作出披露。

6.5 轉移：本公司會將閣下的資料保密，但是在閣下的同意下，基於第6.3及6.4條列出之目的，本公司可於香港特別行政區（「香港」）境內將有關資料轉移或披露予下述各方（6.5（a）列出的有關方面如位於香港境外則除外）:(a)對本公司有保密責任的本公司的代理人或向本公司提供與本公司業務運作有關的行政、電訊、電腦、打擊洗錢及恐怖份子籌資的情報、付款、數據處理或其他服務的承辦商（例如專業顧問、電話服務中心供應商、速遞公司、禮品換領中心或資料輸入公司)；

(b)對本公司有保密責任的本公司之附屬公司及/或聯屬公司；及

(c)本公司、其附屬公司及/或聯屬公司根據任何法例、規則、規例、守則及/或指引及/或履行任何具司法管轄權力的法院、執法機關及/或監管機構所發出的命令，按照適用之法例、規則、規例、守則及/或指引，有具約束力責任履行在法律上可強制執行向任何執法機關及/或監管機構作出披露的要求，但此類披露須有適當授權方可作出。

為免存疑，本公司將不會向第三方，包括本公司的附屬公司、聯屬公司及/或參與商戶，轉移或披露閣下的資料以作第三方的直接促銷推廣用途。

6.6 查閱：閣下享有下列權利：(a)查閱本公司是否擁有閣下的資料並取得此等資料；(b)要求本公司更改閣下不準確的資料；(c)確定本公司處理資料的政策及慣例和獲告知本公司持有的資料類別；及

(d)要求本公司按上述「條款及細則」中第6.2及6.3的規定，不要使用閣下的個人資料用作直接促銷之用途，並因此本公司將會按閣下的要求實行而閣下毋須承擔任何費用。

6.7 任何查閱資料要求，請以書面向下列人士提出：九龍九龍灣宏泰道23號ManhattanPlace46樓八達通獎賞有限公司保障資料主任電郵地址：[email protected] 本公司保留就依從閣下要求查閱閣下的資料而向閣下收取

合理費用的權利。6.8 倘若閣下的個人資料或閣下的會員八達通有任何變動，或

將來任何時間閣下不再希望收到本公司透過指定途徑或所有途徑所發出的直接促銷推廣資料，或若閣下希望本公司停止使用閣下的資料作直接促銷用途，閣下可免費循下列途徑聯絡我們：(a)致電八達通日日賞客戶服務熱線36901313；或(b)透過本公司網站www.octopusrewards.com.hk；或(c)按上述地址或電郵地址書面通知本公司的保障資料主任。

6.9 本通知不會限制閣下在該條例所享有的權利。

7. 會員八達通失效 /遺失

7.1 倘若閣下的會員八達通並非因閣下的過錯而失效，而閣下也未曾破壞或擅自改動它，只需將閣下的會員八達通送交八達通卡有限公司授權的服務中心（有關中心的最新名單已於八達通卡有限公司網站www.octopus.com.hk刊載 )，便可補領閣下的獎賞（包括日日賞$）。但倘若閣下的會員八達通屬於銀行聯營八達通，閣下應通知發卡銀行或金融服務公司，以便補領及轉移任何獎賞。

7.2 倘若閣下的會員八達通具有個人八達通服務，或閣下是自動增值服務使用者，當閣下的會員八達通遺失或失竊了，除了可使用由八達通卡有限公司根據八達通發卡條款提供的失卡服務外，閣下可如發卡條款所述，致電八達通日日賞客戶服務熱線3690 1313，補領通知期後任何剩餘的日日賞$。若八達通遭遺失或失竊，閣下亦應立即致電八達通卡有限公司八達通報失熱線2266 2266；但如閣下的會員八達通屬於銀行聯營八達通，則應聯絡發卡銀行或金融服務公司。

7.3 倘若閣下的會員八達通因為本公司不時列明之任何原因而需要更換，所替代的八達通將會是閣下的替代會員八達通，而日日賞$餘額亦會轉移至該替代會員八達通上。

7.4 在釐定須轉移至替代的會員八達通的日日賞$餘額時，除非本公司有明顯錯誤，否則日日賞$餘額應以本公司持有的記錄資料為準。

7.5 根據上述第7.1及7 .2條而補領之日日賞$餘額只能轉移至一張閣下指定的作為閣下的替代會員八達通的八達通上。倘若閣下沒有這麼做，閣下的八達通日日賞計劃會籍便會終止，而閣下的日日賞$將會喪失。

8. 退回或取消會員八達通

倘若閣下退回（非因第7.1條中所述的失效原因）或取消閣下的會員八達通，儲存於該卡的日日賞$將會喪失，閣下的八達通日日賞計劃會籍將會被終止。

9. 新服務

本公司可能不時向閣下提供與閣下的會員八達通有關的新服務，此等服務將受有關的條款及細則和各項有關新服務的條款及細則所限。

10. 其他

10.1 倘若閣下違反或本公司有理由相信閣下違反此等條款及細則、八達通發卡條款及/或任何適用於上述第9條列明之新服務的條款及細則，本公司會暫停或終止閣下的會籍，取消包括日日賞$在內的獎賞，並採取行動要求補償任何因閣下的違反行為而可能導致本公司、八達通卡有限公司及/或參與商戶所造成的任何破壞。

10.2 閣下不得擅自改動閣下的八達通（包括但不限於紀錄在八達通上的軟件和資料）。擅自改動八達通上的資料可屬違法。對於任何遭擅自改動的八達通，本公司不會承認任何有關交易及任何獎賞，包括日日賞$。

10.3 由於閣下的更改或干擾，或允許第三方更改或干擾閣下的八達通上的資料，引致本公司蒙受或產生任何費用、支出、損失或損害，本公司有權收回及追討合理的費用、支出損失或損害（包括一切合理的法律支出）。

10.4 本公司可能不時會對本條款及細則作出更改。最新版本將會於網上刊載，網址：www.octopusrewards.com.hk。

10.5 除了本條款及細則中規定辭義的用語外，所有其他用語均與八達通發卡條款中的釋義相同。

11. 第三者權利

本條款及細則並不產生或引起，也不旨在用以產生或引起任何第三者的權利。不論本條款及細則直接、間接、明示或暗示地賦予任何權利或利益予任何第三者，任何第三者均沒有任何權利強制執行或倚賴本條款及細則的任何條文。在此明確排除任何因法例的應用（包括但不限於《合約（第三者權利）條例》）而產生或賦予與本條款及細則有關的第三者的合約權利或其他權利。為免生疑問，本條款及細則中的任何規定概不影響本條款及細則的任何許可承讓人或受讓人的權利。

12. 英文文本為準

本條款及細則的中、英文本如有歧異，概以英文本為準。

13. 管轄法律及司法管轄權

本條款及細則受香港法律管轄。閣下及八達通獎賞有限公司不可撤銷地同意香港的法院對解決因本條款及細則、本條款及細則標的事項或構成所產生或與之相關的任何爭議或申索（不論是合約或非合約上的爭議或申索）具有專有管轄權。

(h)“Octopus”–Thisisthedevice-basedstoredvaluefacilitycards and products issued by OCL as described in theConditionsofIssue;

(i)“OctopusRewardsActivation”–ThisistheactivationoftheOctopusRewardsfunctionsonyourMembershipOctopusbyvisitingoneofourOctopusRewardsStationsorsuchotherchannelsaswemayannouncefromtimetotime;

(j)“OctopusRewardsStations”–Theseareservicingpointsthatprovideservices relating toOctopusRewardsActivation,Reward$balanceenquiriesandReward$downloads;

(k)“OurPartners”–Theyareourbusinesspartnerswhowishto offer you benefits and targeted offers (“Our IssuingPartners”) or redemption offers (“Our RedemptionPartners”), currently as listed on our official website atwww.octopusrewards.com.hkandupdatedfromtimetotime.MostofOurPartnerswillofferReward$issuance,somewillofferReward$redemptionandsomewillofferbothReward$issuanceandredemption;and

(l)“RewardDollars”or“Reward$”or“R$”–ThisisastandardBenefitissuedandrecognisedundertheOctopusRewardsprogrammethatyoucanuse for theredemptionofcertainproducts,facilitiesandserviceswithOurRedemptionPartners.

3. GeneralBenefitsandOffers3.1 We operate the Octopus Rewards programme in conjunction

withOurPartners.3.2 TheProgrammeisonlyopentoCardholdersaged18orabove.

IfyouareaholderofaBankCo-BrandOctopusasdescribedintheConditionsofIssue,youshouldrefertothepoliciesandprocedures set out by the issuing bank or financial servicescompanyforregisteringintheProgramme.

3.3 ByregisteringintheProgramme,youwillreceiveReward$fromOurPartners.Youwillalsoreceivecarefullyselectedoffersfromus ifyouhaveprovidedyourconsent tous inusingyourper-sonaldataincluding,Octopusnumber(onlypartialnumberwillbedisplayedinourmarketingmaterials),emailaddressand/orcontactnumberintheformofSMS(shortmessagingservice)ortextmessaging indirectmarketing inaccordancewithClause6.2. You may opt out of receiving direct marketing materialsfromusorrequestustoceasetouseyourcontactinformationeithergenerallyorselectivelyindirectmarketingbynotifyingusinaccordancewithClause6.6.

4. RegistrationandOctopusRewardsActivation4.1 TobecomeaMemberoftheOctopusRewardsprogramme,you

willneedtocompletetheonlineregistrationformonourwebsiteat www.octopusrewards.com.hk and provide certain personaldataandthenumberof theOctopus thatyouwish tobeyourmembershipIDfortheProgramme.

4.2 Following registration, you will normally need to activate yourMembership Octopus through one of our Octopus RewardsStationswhichofferstheOctopusRewardsActivationserviceorsuchotherchannelsaswemayannouncefromtimetotime.Anup-to-datelistofthelocationsoftheOctopusRewardsStationsis available on our website at www.octopusrewards.com.hk.Until you activate your Membership Octopus, you will not beentitledtotheBenefitsoftheProgramme.

4.3 TheinformationwithwhichyouprovideuswhenyouregisterasaMember andwhen you use yourMembershipOctopuswillhelpustomakecarefullyselectedoffersthatwebelievewillbeofinterestandvaluetoyou.

4.4 OctopusRewardsLimitedhasthesoleandabsolutediscretionto reject your registrationasaMember.Youunderstand thatbybeingaMemberyouwillnotautomaticallybeentitledtothe

TermsandConditionsforOctopusRewardsProgramme

YOUR ATTENTION IS DRAWN TO THE PERSONALINFORMATIONCOLLECTIONSTATEMENTATCLAUSE6

1. TermsandConditions TheseTermsandConditionsareeffectivefrom13November2016

forallMembers.

2. Introduction2.1 TheseTermsandConditionsareacontractbetweenyou,our

Member,andus,OctopusRewardsLimited, theoperatorofaconsumer reward and targeted offers programme (which wewillrefertoas“OctopusRewardsprogramme”orthe“Pro-gramme”)operated inassociationwithanumberofotheror-ganisations(collectivelyreferredtoas“OurPartners”).

2.2 TheseTermsandConditionsexplainourobligationstoyouandyourstous.Whiletheyapplytoallourmainservices,theymaybecomplementedorchangedbyparticulartermsandconditionsforcertainserviceswhichyoumayuseorparticipatein.

2.3 Therearea few terms in theseTermsandConditions thatweshouldexplain:

(a)“Benefits”– Depending on the information provided byyouinaccordancewithClause4.1andwithyourconsent,thismay includeReward$,promotionsandother carefullyselectedoffersthatyoumayreceivefromus;

(b)“Cardholders”–AnypersonholdingorusinganOctopus(whichwewillrefertoas“Octopus”below)oranypersontowhomanOctopusisissuedandwhohasregisteredundertheProgramme;

(c)“Conditionsof Issue”–TheConditionsof IssueofOctopuspublished byOctopus Cards Limited (“OCL”) as amendedfrom time to time, which can be obtained from OCL ordownloadedfromOCL’swebsiteatwww.octopus.com.hk;

(d)“HongKong”–TheHongKongSpecialAdministrativeRegionofthePeople’sRepublicofChina;

(e)“Marketing Subjects”– They are promotional offers ofOctopusCardsLimited’sproductsandservices,andReward$issuanceand/or redemption offers fromOurPartnerswhoprovideyouwithproducts,facilitiesorservicesinthefollowingclasses(whetherthroughphysicaloronlinechannels):i. Consumerproductsandservices (fuel,health&beauty,personalcare,shoes,wetmarkets);

ii. Entertainment/recreation;iii. Financial,bankingandcreditcards;iv. Online auction, lifestyle information, group buying,purchase,tradingandpaymentplatforms;

v. Retail(alcoholicbeverages,apparel,bakery,electronics,food and beverages, pets related, shopping malls,supermarkets);

vi. Telecommunications;andvii. Transportationandtravel;

(f )“Member”–Anypersonwhohasregisteredasamemberof theProgrammebyproviding information in accordancewithClause4.1andactivatinghis/herMembershipOctopus;

(g)“MembershipOctopus”–ThisistheOctopusyouholdthatyouhaveregisteredintheProgrammebyprovidingthenumberofthatOctopus.ThenumberofyourMembershipOctopuswillbeyourmembershipID(identification)fortheProgramme;

lostOctopus serviceprovidedbyOCLunder theConditionsofIssue.YouwillonlybeabletorecoveryourReward$ifyourMembershipOctopus is providedwith the PersonalisedOctopusserviceprovidedbyOCLoryouareauseroftheAutomaticAddValueService.

5. EarnandRedeemReward$5.1 ThefirstBenefitOurPartnerswillrewardyouwithisReward$.5.2 OurIssuingPartnerswillrewardyouwithReward$irrespective

ofhowyoupay forproducts, facilitiesorservices(whetherbyOctopus,cash,creditcard,debitcardorcheque).Theissuanceof Reward$ is therefore not limited to purchases made withOctopus (unlike credit card bonus point schemeswhere youonlyreceivepointsifyoupaywiththatcreditcard).

5.3 OurPartnerswilldeterminewhichpurchaseswillbeentitledtoReward$(andatwhatrate)andwhichproducts,facilitiesand/orserviceswillbeeligibleforredemptionofReward$.

5.4 Reward$canberedeemedforcertainproducts,facilitiesandservicesatOurRedemptionPartners.Theproducts,facilitiesand/orservicesprovidedforredemptionarethesoleresponsibilityof Our Redemption Partners and we have no responsibilitywhatsoever in respectof those redeemedproducts, facilitiesandservices.

5.5 Reward$1isexchangeableforproducts,facilitiesorservicesat Our Redemption Partners’outlets at a rate of Reward$1,whichequalstonotlessthanoneHongKongdollar’sworthofproducts,facilitiesorservices.

5.6 Reward$havenomonetaryvalueandcannotbeexchangedorredeemedinanywayforcashorotherelectronicvalue(suchasvaluestoredontheOctopus).

5.7 Wecannotcontroleachspecificexchange inOurPartners’offersofReward$issuanceand/orredemptionintheOctopusRewardsprogramme.OurPartnerswillgiveyouclearinformationandexplanationoftheBenefitsprovidedbythem.

5.8 To earn or redeem Reward$ at Our Partners’outlets, yourMembershipOctopusmustbepresented toOurPartners forissuanceandredemptionofReward$.Insomecases,e.g.overtheInternet,youmayneedtoquoteyourMembershipOctopusnumbertoOurPartners.

5.9 IntheeventthatyourMembershipOctopusisnotusedtoearnor redeem Reward$ for a specified period (currently, 1,000days), we will, for your own and our protection, deem yourMembershipOctopustobenolongerinuse,andwewillhavetherighttodeactivateyourMembershipOctopus.

5.10 As the Octopus Rewards programme operates through OurPartners’systemsandalsoreliesoncommunicationnetworks,electricitynetworksetc.whicharebeyondourcontrol,wecannotalwaysensure that theProgrammeoperatesat all times.HoweverwewillmakeallreasonableeffortstoensureoursystemsupportsOurPartners’operationsinconnectionwiththeProgramme.

5.11 Benefits,includingReward$issuedduringone-offpromotions(e.g.duringapartner’slaunch)willbegovernedbytherulesofthespecificpromotionandmayexpireaftertheendofthatpromotionperiod.

5.12 Reward$oranybenefitsarepersonaltoanindividualMemberandcannotbetransferredorassignedtoothers.YoushouldnottransferyourMembershipOctopustoanotherpersononceitisregisteredwiththeProgramme.

5.13 YourMembershipOctopuscanstoreuptoacurrentmaximumamount ofReward$1,000.Anychanges to thismaximumwillbe announced on our website, www.octopusrewards.com.hk.Oncethemaximumamountisreached,nofurtherReward$canbeloadedonyourMembershipOctopusuntilReward$areredeemed.

5.14 ThelatestReward$balanceonyourMembershipOctopusandanyamountsearned/redeemedwillbeshownonyourpurchasereceiptsatOurPartners.AnyquestionsrelatingtoaparticulartransactionshouldbereferredtothestaffofOurPartnersatthetimeoftherelevanttransaction.WearenotabletoprovideyouwithReward$relatedtransactionrecordsorhistoryenquiries.

6. PersonalInformationCollectionStatementrelatingtoyou(this“Notice”)inaccordancewiththePersonalData(Privacy)Ordinance(the“Ordinance”)

6.1 TheOrdinancegovernsthecollection,holding,processinganduseofyourpersonaldataandotherinformationthatwemaycollectfromtimetotime(the“Data”).ThisData istoenableustoprovideourservicestoyou.Further information is set out in our Privacy Policylocatedat:www.octopusrewards.com.hk.Ifyoudonotprovideyourpersonaldatatous,wemaybeunabletoprovideyouwithsomeofourservices,suchasreceivingpromotionalinformationaboutusorOurPartners.

6.2 Direct Marketing: We intend to use your Octopusnumber (only partial number will be displayed inourmarketingmaterials), email address and/or contactnumberintheformofSMSortextmessaginginsendingdirectmarketingmaterials relating to the classes ofMarketingSubjectstoyoufromtimetotime.WemaynotsouseyourDataunlesswe have received yourconsent. You may provide us with your objectiontouseyourData indirectmarketingby“ticking”theappropriateboxesintheregistrationformatnocosttoyou.

6.3 Onlywithyourconsentasaforesaid,wewilluseyourData in providing youwith carefully selected directmarketingmaterialsinrelationtotheMarketingSubjects.Wemayneedtocarryoutinternaloperationalprocedurestoenableus:(a)to better understand your characteristics and toprovideotherservicesbettertailoredtoyourneeds(suchasofferingspecialpromotionstoyou);

(b)to assist us in selecting products and servicesthatarelikelytobeofinteresttoyou;

(c)toestablishwhetheryoualreadyhavearelationshipwithOurPartners;and

(d)toarrangemarketingoffersandBenefits.6.4 Purpose :YouagreethatyourDatamaybeusedbyusfor:

(a)processingyourregistrationforMembershipOctopus ;(b)providingyouwithregularcustomernotificationsanddirectmarketingmaterialsassetoutinClause6.2above;

(c)themanagement,operationandmaintenanceoftheProgramme,includingauditandexercisingourandyourrightsundertheseTermsandConditions;

(d)designingneworimprovingexistingservicesprovidedbyusandOctopusCardsLimited;

(e)investigationofcomplaintsorsuspectedsuspicioustransactions,andresearchforserviceimprovement;

(f )preventionordetectionofcrime;and(g)disclosureasrequiredby law,rules,regulations,codesorguidelines.

6.5 Transfer : Data will be kept confidential by us, butyou agree that for the purpose(s) set out in Clauses6.3 and 6.4, we may transfer or disclose suchinformationtothefollowingpartieswithinHongKong(exceptthatthepartiessetoutinClause6.5(a)belowmaybelocatedoutsideHongKong):(a)ouragentsorcontractorsunderadutyofconfidentialitytouswhoprovideadministrative,telecommunications,computer,anti-moneylaunderingandcounterterroristfinancing intelligence, payment, data processingor other services to us in connection with theoperation of our business (such as professionaladvisors,callcentreserviceproviders,courier,giftredemptioncentres,ordataentrycompanies);

(b)oursubsidiariesand/orouraffiliateswhichoweadutyofconfidentialitytous;and

(c)any law enforcement agencies and/or regulatorybodies for compliance with applicable laws,rules, regulations, codes and/or guidelinesand/or any person or entity to whom we, oursubsidiaries and/or our affiliates are under abindingobligationtosatisfyalegallyenforceabledemandfordisclosureundertherequirementsofany laws, rule, regulation, code and/or guidelineand/or order of any competent court of law, lawenforcement agencies and/or regulatory bodies,but such disclosure will only be made underproperauthority.

Foravoidanceofdoubt,wewillnot transferordiscloseyourData to thirdparty includingoursubsidiaries,our affiliates and/or Our Partners for use by suchthirdpartyindirectmarketing.

6.6 Access :Youhavetherightto:(a)checkwhetherweholdyourDataandtohaveaccesstothatData;

(b) requireustocorrectanyDatawhichisinaccurate;(c) ascertainourpoliciesandpracticesinrelationtotheData and tobe informedof the kindofDataheldbyus;and

(d) requestusnot touseyourData fordirectmarketingpurposes as described in Clauses 6.2 and 6.3above,inwhichcasewewillceasetodosoatnocosttoyou.

6.7 AnyDataaccessrequestshouldbemadeinwritingto: TheDataProtectionOfficer OctopusRewardsLimited 46/F,ManhattanPlace 23WangTaiRoad KowloonBay Kowloon HongKong

Email:[email protected] Wereservetherighttochargeyouareasonablefeefor

complyingwithanyrequestforaccesstoyourData.6.8 If you change any of your personal details or your

Membership Octopus, or if at any time you do notwant to receive direct marketingmaterials from usthroughspecificchannelorallchannelsinthefuture,orifyouwantustoceaseusinganyofyourDataindirectmarketing,youmaycontactusbythefollowingmeansatnocosttoyou:(a) callOctopusRewardsCustomerServiceHotlineon36901313;or

(b)optoutviaourwebsiteatwww.octopusrewards.com.hk;or

(c) writetoourDataProtectionOfficerattheaddressoremailasstatedabove.

6.9 NothinginthisNoticeshalllimityourrightsundertheOrdinance.

7. Malfunction/LossofMembershipOctopus7.1 If your Membership Octopus malfunctions due to no fault of

yoursandyouhavenotdamagedortamperedwithitinanyway,you may recover any Benefits (including Reward$) by returningyour Membership Octopus to an OCL’s Authorised Service Centre(an up-to-date list of which is available onOCL’swebsite atwww.octopus.com.hk)asdescribedintheConditionsofIssueexceptifyourMembershipOctopusisaBankCo-BrandOctopus.Inthatcase, you should contact the issuing bank or financial servicescompanyforreplacementandtransferofanyBenefits.

7.2 If your Membership Octopus is provided with PersonalisedOctopusserviceoryouareauseroftheAutomaticAddValueServiceandyourMembershipOctopusis lostorstolen, inadditionto the lostOctopusserviceprovidedbyOCLasdescribed intheConditionsofIssue,youwillbeabletorecoveranyremainingReward$after theNotificationPeriodasdescribed in theConditionsof Issue by calling Octopus Rewards Customer Service Hotlineat 3690 1313. You should also notify Lost Octopus ReportingHotline immediately by calling 2266 2266 if your Octopus islost or stolen except if your Membership Octopus is a BankCo-Brand Octopus. In that case, you should contact theissuingbankorfinancialservicescompany.

7.3 IfyourMembershipOctopusneedstobereplacedforanyrea-son(s) as specified by us from time to time, the replacementOctopuswillbeyourreplacementMembershipOctopusandthe Reward$ balancewill be transferred to your replacementMembershipOctopus.

7.4 IndeterminingtheReward$tobetransferredtoyourreplacementMembershipOctopus, therecordsheldbyusshallbetreatedasconclusiveevidenceoftheamountoftheReward$exceptforanymanifesterroronourpart.

7.5 The recoveredReward$asmentioned inClauses7.1and7.2abovewillonlybe transferred intoanOctopus thatyouselectastobeyourreplacementMembershipOctopus.Ifyoudonotdoso,yourOctopusRewardsprogrammeMembershipwillbeclosedandyourReward$willbeforfeited.

8. ReturnorCancellationofyourMembershipOctopus Ifyoureturn(otherthanduetomalfunctionasdescribedunder

Clause7.1)orcancelyourMembershipOctopus,theReward$asrecordedonyourMembershipOctopuswillbeforfeitedandyourOctopusRewardsprogrammeMembershipwillbeclosed.

9. NewServices Wemay provide you with new services associated with your

MembershipOctopusfromtimetotime,andthesenewserviceswillbegovernedbytheseTermsandConditionsandthetermsandconditionsoftherespectivenewservices.

10. Miscellaneous10.1 Ifyoubreachorwehavereasonablegroundtobelievethatyou

havebreachedtheseTermsandConditions,theConditionsofIssueand/oranyapplicable termsandconditionsofanynewservicesmentionedinClause9above,wemaysuspendorterminateyourMembershipOctopus,forfeityourBenefitsincludingReward$andseektorecoveranydamagesthatyourbreachmayhavecausedtous,OCLand/orOurPartners.

10.2 YoumustnottamperwithyourOctopus(including,butnotlimitedto,thesoftwareandthedatarecordedontheOctopus )inanyway.Tamperingwith thedataonOctopusmaybeacriminaloffence.WeshallnothonouranytransactionsandanyBenefits,includingReward$,ifyourOctopushasbeentamperedwith.

10.3 Wehavetherighttorecoverreasonablecosts,expenses,lossesanddamagessufferedorincurredbyus(includingallreasonablelegalexpenses)asaresultofyouralteringorinterfering,orallowingathirdpartytoalterorinterfere,withthedataonyourOctopus.

10.4 We may make changes to these Terms and Conditionsfrom time to time. A copy of the latest version of theseTerms and Conditions will be available on our website atwww.octopusrewards.com.hk.

10.5 Save and except for the defined terms in these Terms andConditions, all other terms shall follow the definition in theConditionsofIssue.

11. RightsofThirdParties These Terms and Conditions shall not create or give rise to,

norshallitbeintendedtocreateorgiveriseto,anythirdpartyrights. No third party shall have any right to enforce or relyon any provision of these Terms and Conditions which doesormayconfer any right or benefit on any thirdparty, directlyor indirectly, expressly or impliedly. The application of anylegislationgivingrisetoorconferringonthirdpartiescontractualorotherrights(including,butnotlimitedto,theContracts(RightsofThirdParties)Ordinance)inconnectionwiththeseTermsandConditionsisherebyexpresslyexcluded.Fortheavoidanceofdoubt, nothing in theseTermsandConditionsshall affect therightsofanypermittedassigneeor transfereeof theseTermsandConditions.

12. EnglishVersionPrevails IfthereisanyinconsistencyorconflictbetweentheEnglishand

ChineseversionsoftheseTermsandConditions,theEnglishversionshallprevail.

13. GoverningLawandJurisdiction These Terms and Conditions shall be governed by the laws

ofHongKong.YouandOctopusRewardsLimitedirrevocablyagreethatthecourtsinHongKongshallexclusivejurisdictiontosettleanydisputeorclaim(whethercontractualornon-contractual)arisingoutoforinconnectionwiththeseTermsandConditions,itssubjectmatterorformation.

CS/L356

八達通自動增值協議(本協議適用於附設在香港金融機構的銀行賬戶或所發出之信用卡的自動增值服務)

請注意第33-40條有關閣下的個人資料收集聲明

1. 本協議於2016年11月13日起生效，並只適用於本公司選定並備有連繫於金融機構的銀行賬戶或所發出之信用卡的自動增值服務的八達通。有關附設於其他實體的銀行賬戶或所發出之信用卡的自動增值服務，請參閱其他不時訂定的適用協議。

簡介2. 本自動增值協議乃閣下（即本公司自動增值服務的使用者，

不論是八達通持有人或自動增值服務賬戶持有人），與本公司，八達通卡有限公司，訂立之關於使用本公司自動增值服務的合約。本公司乃八達通的發行商。

3. 本協議說明在申請及使用自動增值服務時，本公司須向閣下承擔的義務，以及閣下須向本公司承擔的義務。

釋義與通則4. 本協議所用的部分詞語現說明如下：

「自動增值服務賬戶」指有關申請表上指定與閣下的自動增值服務連繫之閣下賬戶，或由金融機構或自動增值服務賬戶持有人不時通知本公司的其他賬戶；

「自動增值服務賬戶持有人」指自動增值服務賬戶的持有人；

「申請表」指自動增值服務申請表，不論是 (i) 八達通自動增值服務申請表，(ii) 個人八達通申請表或 (iii) 載有此項服務申請表的任何其他表格；

「自動增值服務」指在八達通的儲值金額達到本公司不時釐定的若干最低款額時，本公司或代表本公司的服務供應商將會在該八達通上增加某個金額的儲值金額的服務（該增值金額將由本公司不時釐定）；

「認可服務中心」指獲本公司認可代表本公司提供八達通服務的機構；

「銀行聯營八達通」指由本公司授權之金融機構所發行，附有由該金融機構提供的銀行及／或付款功能，並包含八達通儲值支付工具以用於透過八達通收費系統作出付款之卡或產品；該卡或產品受發卡金融機構的持卡人協議的條款及細則所約束。

「發卡條款」指本公司不時修訂並刊發的八達通發卡條款，並可隨時向本公司索取或於本公司網頁www.octopus.com.hk下載；

「金融機構」指在銀行業條例（香港法例第155 章）監管下或根據放債人條例（香港法例第 163 章）領有牌照之管理自動增值服務賬戶的實體，通常是銀行、金融服務公司或信用卡發卡公司；

「儲值金額」指八達通（不包括工具按金）內的剩餘儲值；

「香港」指中華人民共和國香港特別行政區；

「八達通」指本公司按發卡條款所提供實體形式的儲值支付工具卡及產品；

「八達通持有人」指八達通使用者，而其可能是自動增值服務賬戶持有人，或將其八達通連繫到其家人或朋友名下之自動增值服務賬戶之人士；

「八達通收費系統」指本公司維持及運作的收費系統；

「本公司賬戶」指任何本公司不時向金融機構指定的本公司銀行賬戶；

「服務供應商」指會在閣下出示閣下的八達通時提供服務，並經本公司批准的任何交通營運商、零售商（包括但不限於：超級市場、便利店、食肆及快餐店、食品店、其他消費品商店如藥物及化妝品店、書店、報攤、文具及禮品店、配飾店、商場、服裝店、電訊公司）、娛樂／康樂／運動設施供應商、教育機構、政府相關業務實體、建築物門禁系統服務供應商、自助服務（例如自動售賣機／自助服務站／照相亭／電話亭）、網上付款及流動支付平台供應商或其他經本公司批准在閣下出示閣下的八達通時提供服務者。有關服務供應商須清楚展示八達通標誌；及

「工具按金」指按發卡條款所繳付的按金，作為八達通的抵押。

5. 如自動增值服務賬戶持有人與八達通持有人並非同一人，則自動增值服務賬戶持有人與八達通持有人須根據本協議共同及個別地向本公司承擔責任，包括（但不限於）自動增值服務在八達通上所增加的儲值，除非八達通持有人是未成年人或未獲法律行為能力的人（在此情況下，此八達通持有人的家長或監護人及自動增值服務賬戶持有人須共同及個別地向本公司承擔責任）。

6. 八達通持有人同意遵守發卡條款，除非另備條款，否則本協議應與「八達通發卡條款」的釋義相同。若本協議與發卡條款之間有任何抵觸，應以本協議為準。

7. 本協議的中文譯本僅供參考。若英文本與中文譯本之間有任何歧異，則以英文本為準。

自動增值服務8. 本公司將有權向自動增值服務賬戶持有人及／或八達通持有人

收取申請自動增值服務的費用。本公司將會不時釐定及公佈有關費用。

9. 凡年齡在本公司不時公佈之最低年齡以上的人士，均可使用自動增值服務。然而，在特殊情況下，本公司保留無需給予任何理由而不接受任何自動增值服務申請的權利。

10. 八達通持有人於申請自動增值服務後及於該服務有效期間，不得將其八達通轉讓予其他人。

11. 在正常情況下，本公司將會盡力確保自動增值服務運作如常，但礙於自動增值服務之運作須視乎金融機構及服務供應商的本身系統及運作，以及網絡、電力、氣候及其他條件及情況而定，而有關因素超越本公司的控制範圍，故本公司不能對此作出保證。

12. 本公司將保留無需說明理由而取消或暫停閣下的自動增值服務的權利，但本公司將會採取合理措施，藉以減低對閣下造成的不便。

13. 本公司可全權決定限制自動增值服務在任何一天或任何期間內為八達通內的儲值金額增值的金額。

14. 本公司將會採取合理措施，確保本公司與八達通有關的交易紀錄均屬真實準確。本公司的紀錄，將作為自動增值服務為八達通所增加的儲值金額及自動增值服務賬戶持有人及／或八達通持有人所欠本公司的款項的確證，除非有關紀錄存在明顯的錯誤。

直接提款15. 當八達通內的儲值金額透過自動增值服務增加任何金額後，自動

增值服務賬戶持有人及八達通持有人即欠下本公司相同金額的港元。

16. 本公司有權直接指示金融機構或通過本公司委托的任何金融機構將自動增值服務賬戶持有人及八達通持有人所欠本公司之款項從自動增值服務賬戶轉入本公司賬戶，而自動增值服務賬戶持有人須授權金融機構遵從有關指示。

17. 對於金融機構向自動增值服務賬戶持有人所收取的任何費用或收費，本公司概不承擔責任，自動增值服務賬戶持有人須承擔有關費用及收費。

18. 自動增值服務賬戶持有人及／或八達通持有人須確保自動增值服務賬戶備有足夠金額或信貸安排，讓金融機構能遵從本公司就該自動增值服務賬戶所發出的指示。

19. 本公司保留就提供自動增值服務向自動增值服務賬戶持有人及／或八達通持有人收取合理費用的權利。

無法履行指示20. 若由於自動增值服務賬戶內未有足夠金額或信貸安排或其他

原因，導致金融機構未能遵從本公司就該自動增值服務賬戶發出的指示，則：

(a) 自動增值服務賬戶持有人及八達通持有人須即時償還自動增值服務賬戶持有人及八達通持有人所欠本公司的任何款項；

(b) 本公司有權向自動增值服務賬戶持有人及八達通持有人收取合理手續費及將八達通內的儲值金額（如有的話）用作支付自動增值服務賬戶持有人及八達通持有人所欠本公司的任何款項（包括有關手續費在內）。

21. 若八達通內的儲值金額不敷支付自動增值服務賬戶持有人及／或八達通持有人所欠本公司的款項，除了其他補償方法之外，本公司亦有權即時取消八達通及自動增值服務及沒收工具按金（如適用），並毋須通知自動增值服務賬戶持有人或八達通持有人。該八達通一經註銷，將無法重新啟動。

取消自動增值服務22. 自動增值服務賬戶持有人及／或八達通持有人（銀行聯營八達通

持有人除外，請參考以下第 22A條）可聯絡本公司或金融機構，申請取消自動增值服務。如本公司接納申請，自動增值服務賬戶持有人及／或八達通持有人，須按照本公司的指示取消有關的八達通的自動增值服務。如該八達通的自動增值並沒有按照本公司的指示而取消，本公司有權立即註銷有關的八達通及其自動增值服務，並沒收其按金（如適用）而毋須事先通知該自動增值服務賬戶持有人或八達通持有人。該八達通一經註銷，將無法重新啟動。

22A.如閣下持有銀行聯營八達通，閣下或發卡的金融機構可根據閣下與發卡的金融機構之間的持卡人協議條款，申請註銷閣下的銀行聯營八達通。當接獲發卡的金融機構的通知，我們將註銷有關銀行聯營八達通的自動增值服務。

23. 自動增值服務賬戶持有人及八達通持有人須共同及個別地承擔取消自動增值服務生效之時或之前因使用自動增值服務而欠本公司的款項。在取消任何八達通的自動增值服務生效之前及／或之後，本公司均有權直接指示金融機構或通過本公司委任的任何其他金融機構，從自動增值服務賬戶內扣除取消自動增值服務生效之前因進行自動增值服務交易而須付給本公司的所有款項，並將該款項轉入本公司賬戶。

24. 本公司保留為處理取消自動增值服務的事宜向自動增值服務賬戶持有人及／或八達通持有人收取合理手續費的權利。

彌償25. 自動增值服務賬戶持有人及八達通持有人應共同及個別地同意

就本公司因向金融機構發出自動增值服務賬戶有關的任何指示而蒙受、承受或產生（視乎情況而定）的一切訴訟、法律程序、債務、申索、損失、損害及合理費用及支出（包括一切合理的法律支出）向本公司作出彌償，除非上述是因本公司明顯犯錯所致，則作別論。

風險與責任26. 如非由於本公司明顯犯錯之原因，金融機構從自動增值服務

賬戶轉賬到本公司賬戶的金額超過自動增值服務賬戶持有人及或八達通持有人須付給本公司的實際金額，本公司概不為因而產生的任何損失或損害承擔責任。在不抵觸下文第 41條的情況下，本公司只需將有關差額款項退還自動增值服務賬戶持有人。

27. 在不抵觸上文第 26 條的情況下，對於金融機構或其僱員或代理人的任何作為、行為、遺漏或疏忽，本公司概不負責，除非該等作為、行為、遺漏或疏忽是按照本公司明確指示作出或不作出者，則作別論。

28. 本公司有權採取適當的行動，藉以執行或行使本協議規定的本公司權利，而自動增值服務賬戶持有人及八達通持有人須共同及個別地全數彌償本公司因任何有關行為而產生的一切合理費用及支出（包括一切合理法律費用及支出）。

29. 本公司有權聘用任何人士或公司執行或行使本協議規定的本公司權利，對於有關人士或公司（除追討欠賬公司外）或其各自僱員的任何作為、行為、遺漏或疏忽，本公司概不承擔責任或負責，除非該等作為、行為、遺漏或疏忽是按照本公司明確指示作出或不作出者，則作別論。

30. 在本公司遵守所有適用於轉讓債權的相關法律，法規及守則的情況下，本公司有權向任何人士或公司（「承讓人」）轉讓或以其他方式轉移自動增值服務賬戶持有人及或八達通持有人所欠本公司任何款項，本公司毋須為承讓人所作出的任何行為負上法律責任。

報失八達通31. 所有自動增值服務客戶，均獲提供八達通報失服務。如八達通

持有人遺失八達通，或八達通被竊，該持有人須立即通知本公司；但如閣下的八達通屬銀行聯營八達通，則應聯絡發卡的金融機構。在本公司收到失卡報告後，本公司將會在指定的期間（「通知期間」）之後，取消及停用該八達通。本公司將會不時規定及公佈有關通知期間。在八達通取消之後，該八達通將無法重新使用。此項八達通報失服務可保障自動增值服務賬戶持有人及八達通持有人的八達通尚有儲值金額以及經自動增值服務增值至儲值金額之款項於通知期間以後免受損失。

32. 若根據上文第 31條的規定取消八達通，本公司會根據八達通收費系統的紀錄，將八達通的工具按金（如適用）及儲值金額（如有）退還八達通持有人。如閣下的八達通的儲值金額為負值，本公司有權於通知期間結束時在工具按金中扣除，並將此結算後出現的負值儲值金額再於自動增值服務賬戶中扣除。本公司有權為提供此項八達通報失服務而向自動增值服務賬戶持有人及／或八達通持有人收取本公司不時釐定及公佈的合理收費。該收費將於八達通儲值金額的退款（如有）中扣除，或由自動增值服務賬戶持有人及／或八達通持有人共同及個別地支付。

取消八達通自動增值服務賬戶32A.任何原因註銷、終止使用自動增值服務賬戶或其使用期滿，閣下

應出示有關八達通，以按照本公司的指示取消有關的八達通的自動增值服務。如沒有按照本公司的指示而取消自動增值服務，本公司會將附設於該自動增值服務賬戶的所有及任何八達通註銷及使其失效（無論該八達通是否屬於該自動增值服務賬戶持有人）。八達通一旦註銷，將無法重新啟動。

註銷八達通的退款政策32B.如按照上文第12、21、22、22A 及／或 32A條註銷閣下的八達通

時，本公司有權要求閣下清付任何欠款，及須向閣下退回已註銷八達通的尚未使用的儲值金額。

補發八達通及轉移自動增值服務賬戶32C.(a) 若閣下的八達通備有自動增值服務並符合以下條件，本公司可

向閣下補發備有自動增值服務的八達通：(i) 該八達通已被報失或被竊（按上述第31條）；(ii)該八達通已失效並已退回本公司；或(iii)基於本公司不時列明之任何其他原因而需要更換並已退回本公司之八達通。

(b) 任何獲補發的八達通將會連繫到閣下原有的自動增值服務賬戶。

(c) 該自動增值服務賬戶的持有人，同意並承諾須就獲補發的八達通進行的任何及所有交易承擔一切責任及法律責任。

有關閣下的個人資料收集聲明：關於個人資料（私隱）條例（「該條例」）的通知（「本通知」）33. 該條例規管本公司不時向自動增值賬戶持有人及／或

八達通持有人收集的個人資料及其他資訊（「資料」）的收集、管有、處理及使用事宜。該資料應包括交易紀錄（即本公司從旗下八達通讀寫器及／或從其他渠道，取得自動增值賬户持有人及／或八達通持有人的八達通在使用時的交易資料），而此等交易紀錄根據該條例第2(1)條的定義，構成「個人資料」。此等資料可讓本公司向自動增值服務賬戶持有人及／或八達通持有人提供八達通及其他相關服務。有關本公司的私隱政策詳情請參閱本公司刊載於www.octopus.com.hk的「私隱政策」，而本通知則為本公司收集、管有、處理及使用資料的依據。

34. 若自動增值服務賬戶持有人及／或八達通持有人未能向本公司提供其個人資料，本公司將可能無法向自動增值服務賬戶持有人及／或八達通持有人提供自動增值服務。

35. 目的：每位自動增值服務賬戶持有人及八達通持有人同意其資料可作為以下用途：

(a)處理自動增值服務的申請；(b)收取自動增值服務賬戶持有人及／或八達通持有人所欠款項，不論是否從自動增值服務賬戶收取；

(c)進行任何有關自動增值服務賬戶持有人及／或八達通持有人的資料及紀錄的核實工作；

(d)八達通收費系統的管理、運作及保養，包括審計及根據發卡條款及此協議行使本公司與自動增值服務賬戶持有人及／或八達通持有人的權利；

(e)為本公司、其附屬公司及聯屬公司（即本公司的直接控股公司及其附屬公司）設計新服務或改善現有服務；

(f) 本公司與自動增值服務賬戶持有人及／或八達通持有人進行通訊；

(g)調查投訴、備受懷疑的可疑交易及研究服務改善措施；(h)防止及偵測罪行；及

(i) 根據法例、規則、規例、守則及／或指引作出披露。36. 轉移：本公司會將自動增值服務賬戶持有人及八達通

持有人的資料保密，但自動增值服務賬戶持有人及八達通持有人均同意，基於第35條列出之目的，本公司可於香港境內將有關資料轉移或披露予下述各方（第36(a)及36(b)列出的有關方面如位於香港境外則除外）：(a)自動增值服務賬戶持有人及／或八達通持有人已選擇登記並對本公司有保密責任的銀行聯營八達通發行商與參予自動增值服務的金融機構；

(b)對本公司有保密責任的本公司代理人或向本公司提供與本公司業務運作有關的行政、電訊、電腦、打擊洗錢及恐怖份子籌資的情報、付款、數據處理或其他服務的承辦商（例如專業顧問、電話服務中心供應商、追討欠債公司（當自動增值服務賬戶持有人及／或八達通持有人拖欠本公司款項）、速遞公司、禮品換領中心或資料輸入公司）；

(c)對本公司有保密責任的本公司之附屬公司及／或聯屬公司；及

(d)本公司、其附屬公司及／或聯屬公司根據任何法例、規則、規例、守則及／或指引及／或履行任何具管轄權力的法院、執法機關及／或監管機構所發出的命令，按照適用之法例、規則、規例、守則及／或指引，有具約束力責任履行在法律上可強制執行向任何執法機關及／或監管機構作出披露的要求，但此類披露須有適當授權方可作出。

37. 查閱：每位自動增值服務賬戶持有人及八達通持有人有權：

(a)查核本公司是否持有資料及查閱該等資料；(b)要求本公司改正任何不正確資料；及(c)確定本公司處理資料的政策及慣例和獲告知本公司持有的資料類別。

38. 本公司保留就依從自動增值服務賬戶持有人及／或八達通持有人的要求查閱任何資料而向其收取合理費用的權利。

39. 任何查閱資料要求，請以書面向下列人士提出：香港九龍九龍灣宏泰道23號ManhattanPlace46樓八達通卡有限公司保障資料主任電郵地址：[email protected]. 本通知不會限制自動增值服務賬戶持有人及／或八達通

持有人在該條例下所享有的權利。

錯誤扣除款項41. 每位自動增值服務賬戶持有人及八達通持有人必須確保自動

增值服務賬戶持有人：(a) 經常及時知悉自動增值服務賬戶的所有交易賬項，包括核對金融機構發出的每份自動增值服務賬戶結單，或（如金融機構並無發出自動增值服務賬戶結單）定期補記及核對自動增值服務賬戶存摺的賬項，除非有其他更有效方法監察該賬戶的交易賬項，則作別論；及

(b) 若自動增值服務賬戶持有人聲稱本公司無權在自動增值服務賬戶扣除任何款項轉往本公司賬戶，則可於有關支賬日期起計 12 個月內通知本公司。在該期間之後，自動增值服務賬戶持有人及八達通持有人均不得聲稱本公司無權在自動增值服務賬戶支取有關款額，除非屬於以下情況，則作別論：

(i) 本公司未有妥善處理有關支賬；或(ii)有關支賬乃因本公司明顯的錯誤所導致。

終止42. 如按照上文第12、21、22、22A 或 32A條取消自動增值服務，

本協議將告終止；但終止協議不會影響終止協議之前雙方已產生的權利及義務。

第三者權利43. 本協議條款並不產生或引起，也不旨在用以產生或引起任何

第三者的權利。不論本協議直接、間接、明示或暗示地賦予任何權利或利益予任何第三者，任何第三者均沒有任何權利強制執行或倚賴本協議的任何條文。在此明確排除任何因法例的應用（包括但不限於《合約（第三者權利）條例》）而產生或賦予與本協議有關的第三者的合約權利或其他權利。為免生疑問，本協議中的任何規定概不影響本協議的任何許可承讓人或受讓人的權利。

本協議的修訂44. 本公司可不時修訂本協議，有關修訂會於生效日期前最少30天，

透過書面通知自動增值服務賬戶持有人及八達通持有人，或按本公司的絕對酌情權決定，在修訂生效前於香港一份中文報章及一份英文報章上刊載以作為通知。本公司備有本協議文本之最新版本，可供自動增值服務賬戶持有人及／或八達通持有人書面索閱。該最新版本亦可於本公司的網站www.octopus.com.hk查閱。於本協議的修訂生效後，如八達通持有人繼續使用八達通，將當作自動增值服務賬戶持有人及八達通持有人接受有關修訂處理。

管轄法律及司法管轄權45. 本協議受香港法律管轄。閣下及八達通卡有限公司不可撤銷地

同意香港的法院對解決因本協議、本協議標的事項或構成所產生或與之相關的任何爭議或申索（不論是合約或非合約上的爭議或申索）具有專有管轄權。

八達通卡有限公司牌照號碼：SVF0001

Octopus Automatic Add Value Agreement(For Octopus Automatic Add Value Service linked to bank accounts maintained with, or credit cards issued by Financial Institutions in Hong Kong)YOUR ATTENTION IS DRAWN TO THE PERSONALINFORMATION COLLECTION STATEMENT AT CLAUSES 33-401. This Agreement is effective from 13 November 2016 and is only applicable

to selective Octopus that are enabled with Automatic Add Value Service linked to bank accounts maintained with or credit cards issued by Financial Institutions. For Automatic Add Value Service linked to bank accounts maintained with or credit cards issued by other entity(ies), please refer to other applicable agreement(s) as determined by us from time to time.

Introduction2. This Automatic Add Value Agreement is a contract between you, the user

of our Automatic Add Value Service (whether as an Octopus Holder or as an AAVS Account Holder), and us, Octopus Cards Limited, the issuer of the Octopus, in respect of the use of our Automatic Add Value Service.

3. This Agreement explains our obligations to you and yours to us when applying for and using our Automatic Add Value Service.

Definitions and General Provisions4. There are a few terms we use in this Agreement that we should explain: “AAVS Account” means the account to which your Automatic Add Value

Service is linked, as defined or specified in the relevant Application Form or such other account as notified to us by the Financial Institution or by the AAVS Account Holder from time to time;

“AAVS Account Holder” means the holder(s) of the AAVS Account; “Application Form” means an application for the Automatic Add Value

Service whether this is (i) an Octopus Automatic Add Value Service Application Form, (ii) a Personalised Octopus Application Form or (iii) any other form containing an application for this service;

“Automatic Add Value Service” means the service whereby we or our Service Providers, on our behalf, will automatically add a certain amount of value (as determined by us from time to time) to the Float on the Octopus if the Float stored on the Octopus has reached a certain minimum level as determined by us from time to time;

“Authorised Service Centre” is an entity that we have authorised to service an Octopus on our behalf;

“Bank Co-Brand Octopus” means a card or product issued by a Financial Institution authorised by us with banking and/or payment functionality offered by that issuing Financial Institution incorporating our stored value facility which can be used for making payments via the Octopus payment system and subject to the terms and conditions of the cardholder agreement of that issuing Financial Institution;

“Conditions of Issue” means the Conditions of Issue of Octopus published by us as amended from time to time, which can be obtained from us or downloaded from our website at www.octopus.com.hk;

“Financial Institution” means an entity governed by the Banking Ordinance (Chapter 155, Laws of Hong Kong) or licensed under the Money Lenders Ordinance (Chapter 163, Laws of Hong Kong) that manages the AAVS Account, usually a bank, a financial services company or an issuer of credit cards;

“Float” means the stored value remaining on an Octopus, excluding SVF Deposit;

“Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China;

“Octopus” means device-based stored value facility cards and products provided by us as described in the Conditions of Issue;

“Octopus Holder” means a user of an Octopus who may be an AAVS

Account Holder or who has linked his/her Octopus to an AAVS Account in the name of one of his/her family members or friends;

“Octopus payment system” means the payment system maintained and operated by us;

“Our Account” means any bank account specified by us to the Financial Institution from time to time;

“Service Provider” means any transport operators, retailers (including but not limited to, supermarkets, convenience stores, restaurants and fast food shops, food, other consumer goods e.g. medicines & cosmetics, books, newspapers, stationery and gifts, accessories shops, shopping malls, wearing apparel, telecommunications), entertainment / recreation / sports facilities providers, educational establishments, government related entities, building access control providers, unattended services (such as vending machines/kiosks/photo booths/telephone booths), online and mobile payment platform providers or other parties which offer their services when you present your Octopus and are approved by us. These Service Providers should display the Octopus acceptance logo clearly; and “SVF Deposit” means the deposit paid as security for the Octopus as described in the Conditions of Issue.

5. In the event that the AAVS Account Holder and the Octopus Holder are different persons, the AAVS Account Holder and the Octopus Holder shall be jointly and severally liable to us under this Agreement, including, but not limited to, in respect of all value added to the Float on the Octopus by the Automatic Add Value Service, unless the Octopus Holder is a minor or otherwise does not have full legal capacity, in which case, the parent or guardian of such Octopus Holder and the AAVS Account Holder shall be jointly and severally liable to us.

6. The Octopus Holder agrees to be bound by the Conditions of Issue and unless stated otherwise, use of defined terms in this Agreement shall have the same meaning in the Conditions of Issue. If there is any conflict between this Agreement and the Conditions of Issue, this Agreement shall prevail.

7. The Chinese translation of this Agreement is provided for reference only. In case of any discrepancy between the English version and the Chinese translation, the English version shall prevail.

Automatic Add Value Service8. We shall be entitled to charge a fee to the AAVS Account Holder and/or

the Octopus Holder for application of the Automatic Add Value Services in respect of their Octopus. The fee will be determined and announced by us from time to time.

9. The Automatic Add Value Service is available to any Octopus Holder over a minimum age which we will announce from time to time. However, in exceptional cases, we reserve the right to reject any application for the Automatic Add Value Service without giving any reason.

10. The Octopus Holder must not transfer his/her Octopus to another person once the Automatic Add Value Service has been applied for and has not been cancelled in respect of that Octopus.

11. Under normal circumstances, we will make reasonable efforts to ensure that the Automatic Add Value Service is operating, but we cannot guarantee that this will always be the case as it depends on the Financial Institutions’ and Service Providers’ own systems and operations as well as network, electrical, climatic and other conditions or circumstances which are beyond our control.

12. We reserve the right to cancel or suspend your Automatic Add Value Service without specifying the reasons, but we will take reasonable steps to minimise any inconvenience caused to you.

13. We shall be entitled at our sole discretion to limit the amount of value that may be added to the Float on the Octopus by the Automatic Add Value Service in any single day or during any period.

14. We shall take reasonable steps to ensure that our records of the transactions relating to the Octopus are true and accurate. Our records shall be conclusive evidence of the value added to the Float on the Octopus by means of the Automatic Add Value Service and of any amounts due from

the AAVS Account Holder and/or the Octopus Holder to us except for any manifest error on our part.

Direct Debit15. For any value added to the Float on the Octopus by means of the Automatic

Add Value Service, the same amount in Hong Kong dollars shall be due from the AAVS Account Holder and the Octopus Holder to us immediately.

16. We shall be entitled to instruct the Financial Institution directly or through any financial institution appointed by us to transfer from the AAVS Account to Our Account the amount of money stated by us to be due from the AAVS Account Holder and the Octopus Holder to us at any time, and the AAVS Account Holder shall authorise the Financial Institution to comply with such instructions.

17. We shall not be liable for any fees or charges that the Financial Institution may impose on the AAVS Account Holder and the same shall be borne by the AAVS Account Holder.

18. The AAVS Account Holder and/or the Octopus Holder shall ensure that there are always sufficient funds in, or credit facilities available upon, the AAVS Account to enable the Financial Institution to comply with the instructions from us in respect of the AAVS Account.

19. We reserve the right to charge the AAVS Account Holder and/or the Octopus Holder a reasonable fee for providing the Automatic Add Value Service.

Dishonoured Instructions20. If the Financial Institution fails to comply with our instructions in relation to

the AAVS Account because there are insufficient funds in, or credit facilities available upon, the AAVS Account, or for any other reason:-(a) the AAVS Account Holder and the Octopus Holder shall on demand

repay any amount due from the AAVS Account Holder and the Octopus Holder to us; and

(b) we shall be entitled to charge the AAVS Account Holder and the Octopus Holder a reasonable administration fee and to apply the Float on the Octopus, if any, in or towards payment of any amount of money due from the AAVS Account Holder and the Octopus Holder to us (including the administrative fee).

21. If the Float on theOctopus is insufficient to pay the amount of money due from the AAVS Account Holder and/or the Octopus Holder to us, we shall be entitled to, in addition to other remedies available, immediately cancel the Octopus and the Automatic Add Value Service and forfeit the SVF Deposit, if applicable, without notice to the AAVS Account Holder or the Octopus Holder. Once cancellation of the Octopus is effected, it cannot be re-activated subsequently.

Cancellation of the Automatic Add Value Service22. The AAVS Account Holder and/or the Octopus Holder (other than a holder

of a Bank Co-Brand Octopus who should refer to Clause 22A below) may apply for the cancellation of the Automatic Add Value Service by contacting us or the Financial Institution. If accepted, the AAVS Account Holder and/or the Octopus Holder will be required to present the affected Octopus for disabling the Automatic Add Value Service on the Octopus in accordance with our instructions. If the Automatic Add Value Service on the Octopus is not disabled according to our instructions, we shall be entitled to immediately cancel the Octopus and the Automatic Add Value Service, and forfeit the SVF Deposit, if applicable, without further notice to the AAVS Account Holder or the Octopus Holder. Once the cancellation of the Octopus is effected, it cannot be re-activated subsequently.

22A. If you hold a Bank Co-Brand Octopus, subject to the terms of the cardholder agreement between you and the issuing Financial Institution, you or the issuing Financial Institution may request for cancellation of your Bank Co-Brand Octopus. Once notified by the issuing Financial Institution, we will cancel the Automatic Add Value Service on the Bank Co-Brand Octopus.

23. The AAVS Account Holder and the Octopus Holder shall be jointly and severally liable for all amounts due to us through the use of the Automatic Add Value Service on or before the effective cancellation of such Automatic Add Value Service. We shall be entitled, before and/or after the effective

cancellation of the Automatic Add Value Service of an Octopus, to instruct the Financial Institution directly or through any financial institution appointed by us to transfer from the AAVS Account to Our Account any amount of money due to us as a result of the Automatic Add Value Service transactions carried out before the effective cancellation of such Automatic Add Value Service.

24. We reserve the right to charge the AAVS Account Holder and/or the Octopus Holder a reasonable administration fee for the cancellation of the Automatic Add Value Service.

Indemnity25. The AAVS Account Holder and the Octopus Holder shall jointly and

severally indemnify us against all actions, proceedings, liabilities, claims, loss, damages, and reasonable costs and expenses (including all reasonable legal expenses) which may be taken against us or which we may suffer, sustain or incur (as the case may be) howsoever arising out of or in connection with any instructions given by us to the Financial Institution in respect of the AAVS Account unless the same were caused by any manifest error on our part.

Risks and Liabilities26. If, except for any manifest error on our part, the Financial Institution transfers

from the AAVS Account to Our Account an amount greater than the actual amount due from the AAVS Account Holder and/or the Octopus Holder to us, we shall not be liable for any loss or damage arising therefrom. Subject to Clause 41 below, we shall only be liable to refund the amount in excess to the AAVS Account Holder.

27. Subject to Clause 26 above, we shall not be liable for any act, conduct, omission or negligence of the Financial Institution or its employees or agents unless the same is done or omitted to be done in accordance with the specific instructions from us.

28. We shall be entitled to take such action as we think fit for the purpose of enforcing or exercising our rights under this Agreement,and the AAVS Account Holder and the Octopus Holder shall be jointly and severally liable to indemnify us in full for all reasonable costs and expenses incurred by us in respect of any such actions including all reasonable legal charges and expenses.

29. We shall be entitled to employ any persons or companies for the purpose of enforcing or exercising our rights under this Agreement and, except in the case of debt collection agencies, shall not be liable or responsible for any act, conduct, omission or negligence of such persons or companies or their employees unless the same is done or omitted to be done in accordance with the specific instructions from us.

30. We shall be entitled to assign or otherwise transfer any debts due to us from the AAVS Account Holder and/or the Octopus Holder to any persons or companies (“Assignees”), and provided that we comply with all applicable laws, regulations and codes of practice in respect of such assignment(s) in force at the time of the assignment(s), we shall not be liable for actions taken by such Assignees.

Lost Octopus31. All users of the Automatic Add Value Service are provided with the lost

Octopus service. If the Octopus Holder loses the Octopus or if the Octopus has been stolen, he/she shall notify us immediately except where your Octopus is a Bank Co-Brand Octopus, you should contact the issuing Financial Institution. We will then cancel and disable the Octopus after a specific period of time (“Notification Period”) following receipt of the loss report. The Notification Period shall be determined and announced by us from time to time. Once cancellation of the Octopus is effected, it cannot be reversed. This lost Octopus service will protect the AAVS Account Holder and the Octopus Holder from the loss of the Float and any value added to the Float through the Automatic Add Value Service on the Octopus after the expiry of the Notification Period.

32. If the Octopus is cancelled pursuant to Clause 31 above, we will refund to the Octopus Holder the SVF Deposit, if applicable, and the Float, if any, on the Octopus as recorded in the Octopus payment system. In the event

that there is a negative Float on your Octopus, we shall be entitled to set off such negative Float against the SVF Deposit, and debit any negative Float from the AAVS Account, at the end of the Notification Period. We may charge the AAVS Account Holder and/or the Octopus Holder a reasonable fee, which will be determined and announced by us from time to time, for providing this lost Octopus service. The fee will be deducted from the refund of the Float on the Octopus, if any, or charged to the AAVS Account Holder and/or the Octopus Holder, who shall be jointly and severally liable for the payment.

Cancellation of AAVS Account32A. Upon cancellation, termination or expiration of the AAVS Account for any

reason, you shall present the affected Octopus for disabling the Automatic Add Value Service on that Octopus in accordance with our instructions. If you do not do so, we shall cancel and disable all and any Octopus (whether or not the Octopus belongs to the AAVS Account Holder) linked to the AAVS Account in question. Once cancellation of the Octopus is effected, it cannot be re-activated subsequently.

Refund Policy on Cancelled Card32B. Upon cancellation of your Octopus under Clauses 12, 21, 22, 22A and/

or 32A, we shall be entitled to set off any amount due to us from you and refund any unused Float of your cancelled Octopus to you.

Replacement Card & Transfer of AAVS Account32C. (a) We may offer you a replacement Octopus with Automatic Add Value

Service if your Octopus is enabled with Automatic Add Value Service and:-(i) is reported lost or stolen (as described in Clause 31 above);(ii) malfunctions and is returned to us; or(iii) needs to be replaced for any other reason(s) as specified by us

from time to time and is returned to us.(b) Any replacement Octopus will be linked to the same AAVS Account to

which the Octopus that is being replaced is linked.(c) The AAVS Account Holder agrees and undertakes that he/she shall be

responsible and liable for any and all transactions carried out on the replacement Octopus.

Personal Information Collection Statement relating to you (this “Notice”) in accordance with the Personal Data (Privacy) Ordinance (the “Ordinance”)33. The Ordinance governs the collection, holding, processing and

use of your personal data and other information that we may collect from the AAVS Account Holder and/or the Octopus Holder from time to time (the “Data”). The Data shall include transactional records (meaning the transaction data which we receive from our Octopus readers and/or from other channels in respect of the use of Octopus by the AAVS Account Holder and/or Octopus Holder) to the extent that those transactional records are “personal data” under section 2(1) of the Ordinance. This Data is to enable us to provide the Automatic Add Value Service and other related services to the AAVS Account Holder and/or the Octopus Holder. Further information is set out in our Privacy Policy located at: www.octopus.com.hk and this Notice is the basis upon which we collect, hold, process and use the Data.

34. If the AAVS Account Holder and/or the Octopus Holder does not provide his/her personal data to us, we may be unable to provide the AAVS Account Holder and/or the Octopus Holder with the Automatic Add Value Service.

35 Purpose: Each of the AAVS Account Holder and the Octopus Holder agrees that his / her Data may be used for the following purposes:-(a) processing the application for the Automatic Add Value

Service;(b) collecting money due from the AAVS Account Holder and/

or the Octopus Holder, whether from the AAVS Account or otherwise;

(c) verifying any information and records relating to the AAVS Account Holder and/or the Octopus Holder;

(d) management, operation and maintenance of the Octopus payment system, including audit and exercising our rights and the rights of the AAVS Account Holder and/or Octopus Holder under the Conditions of Issue and this Agreement;

(e) designing new or improving existing services provided by us, our subsidiaries and our affiliates (that is, our direct holding company and its subsidiaries);

(f) communication by us to the AAVS Account Holder and/or the Octopus Holder;

(g) investigation of complaints, suspected suspicious transactions and research for service improvement;

(h) prevention or detection of crime; and(i) disclosure as required by law, rules, regulations, codes or

guidelines.36. Transfer: Data will be kept confidential by us, but each of the

AAVS Account Holder and Octopus Holder agrees that for the purpose(s) set out in Clause 35 above, we may transfer or disclose such Data to the following parties within Hong Kong (except that the parties set out in Clauses 36(a) and 36(b) below may be located outside Hong Kong):(a) issuers of Bank Co-Brand Octopus and Financial Institutions

which owe a duty of confidentiality to us and with which the AAVS Account Holder and/or Octopus Holder has selected to register;

(b) our agents or contractors under a duty of confidentiality to us who provide administrative, telecommunications, computer, anti-money laundering and counter terrorist financing intelligence, payment, data processing or other services to us in connection with the operation of our business (such as professional advisors, call centre service providers or debt collection agencies (in the event of any money due to us by the AAVS Account Holder and/or the Octopus Holder), courier, gift redemption centres or data entry companies);

(c) our subsidiaries and/or our affiliates which owe a duty of confidentiality to us; and

(d) any law enforcement agencies and/or regulatory bodies for compliance with applicable laws, rules, regulations, codes and/or guidelines and/or any person or entity to whom we, our subsidiaries and/or affiliates are under a binding obligation to satisfy a legally enforceable demand for disclosure under the requirements of any law, rule, regulation, code and/or guideline and/or order of any competent court of law, law enforcement agencies and/or regulatory bodies, but such disclosure will only be made under proper authority.

37. Access: Each of the AAVS Account Holder and the Octopus Holder has the right to:(a) check whether we hold Data and to have access to that Data;(b) require us to correct any Data which is inaccurate; and(c) ascertain our policies and practices in relation to Data and to

be informed of the kind of Data held by us.38. We reserve the right to charge the AAVS Account Holder and/or

Octopus Holder a reasonable fee for complying with any request for access to his/her Data.

39. Any Data access request should be made in writing to: The Data Protection Officer Octopus Cards Limited

46/F, Manhattan Place23 Wang Tai RoadKowloon BayKowloonHong KongEmail: [email protected]

40. Nothing in this Notice shall limit the rights of the AAVS Account Holder and/or Octopus Holder under the Ordinance.

Deductions by Mistake41. Each of the AAVS Account Holder and the Octopus Holder must ensure

that the AAVS Account Holder shall:-(a) keep himself/herself promptly informed of all transactions relating

to the AAVS Account, which will involve examining each statement issued by the Financial Institution in respect of the AAVS Account or, if the Financial Institution does not issue statements in respect of the AAVS Account, updating and examining the passbook for the AAVS Account regularly, unless he/she has some other effective means of monitoring transactions on such account; and

(b) notify us within 12 months of the day of any debit from the AAVS Account to Our Account if he/she claims that we were not entitled to debit the relevant amount from the AAVS Account. After such period, neither the AAVS Account Holder nor the Octopus Holder shall make any claim that we were not entitled to debit the relevant amount from the AAVS Account unless:-(i) we failed to exercise reasonable skill and care in respect of any

such debit; or(ii) any such debit arose from any manifest error on our part.

Termination42. This Agreement shall terminate when the Automatic Add Value Service is

cancelled in accordance with Clauses 12, 21, 22, 22A or 32A above, but such termination shall not affect the rights and obligations of the parties accrued prior to the termination.

Rights of Third Parties43. This Agreement shall not create or give rise to, nor shall it be intended

to create or give rise to, any third party rights. No third party shall have any right to enforce or rely on any provision of this Agreement which does or may confer any right or benefit on any third party, directly or indirectly, expressly or impliedly. The application of any legislation giving rise to or conferring on third parties contractual or other rights (including, but not limited to, the Contracts (Rights of Third Parties) Ordinance) in connection with this Agreement is hereby expressly excluded. For the avoidance of doubt, nothing in this Agreement shall affect the rights of any permitted assignee or transferee of this Agreement.

Changes to this Agreement44. We may amend this Agreement from time to time. We shall notify the AAVS

Account Holder and the Octopus Holder by giving them written notice of the change(s) or, as we shall at our absolute discretion determine, by publishing a notice of the change(s) in one Chinese and one English language newspaper in Hong Kong, at least 30 days before such amendments are to take effect. We shall provide the AAVS Account Holder and/or the Octopus Holder with a copy of the latest version of this Agreement upon written request. The latest version of this Agreement will also be available on our website at www.octopus.com.hk. If the Octopus Holder uses the Octopus after any amendment to this Agreement shall have taken effect, that amendment shall be deemed to have been accepted by the AAVS Account Holder and the Octopus Holder.

Governing Law and Jurisdiction45. This Octopus Automatic Add Value Agreement shall be governed by the

laws of Hong Kong. You and Octopus Cards Limited irrevocably agree that the courts in Hong Kong shall have exclusive jurisdiction to settle any dispute or claim (whether contractual or non-contractual) arising out of or in connection with this Agreement, its subject matter or formation.

Octopus Cards LimitedLicence Number: SVF0001

請注意第13條及第16條有關個人資料收集的聲明

1. 發卡條款本八達通發卡條款（本「發卡條款」）於2017年12月12日（「生效

日期」）起生效，適用於所有客戶。

2. 簡介2.1 本發卡條款是閣下（即本公司客戶）與本公司（即八達通卡有限

公司），就閣下使用本公司發行的八達通及作為八達通「好易畀」（「O!ePay」）服務下的儲值支付工具所訂立的合約。如使

用八達通及／或O! ePay服務，即表示閣下同意受本發卡條款約束。

2.2 本發卡條款說明本公司向閣下承擔的義務，以及閣下向本公司承擔的義務。雖然本發卡條款適用於本公司所有主要服務，但

在閣下使用若干服務時，有關服務的特定條款及細則可補充或

修改本發卡條款。

2.3 本發卡條款所使用的一些詞語說明如下： (a)「認可增值服務供應商」指獲本公司認可，以現金或其他

代價為閣下八達通提供增值的服務供應商、銀行或金融服務公司；

(b )「認可經銷商」指獲本公司認可向閣下發行可供使用的八達通的實體；

(c)「認可流動支付應用程式」指由認可流動支付服務供應商操作，為閣下的SmartOctopus提供服務的手機應用程式；

(d)「認可流動支付服務供應商」指一間提供流動支付服務並獲本公司認可提供SmartOctopus的公司；

(e)「認可夥伴」指獲本公司認可就閣下O! ePay賬戶提供服務的銀行或金融服務公司或企業；

(f) 「認可服務中心」指代表本公司提供八達通服務的實體； (g)「卡內資金」指工具按金及儲值金額； (h)「客戶款項公司」指八達通卡客戶款項有限公司，該公司的

組織章程規定，其職能乃根據本發卡條款及《支付系統及

儲值支付工具條例》持有和處理卡內資金；

(i) 「經轉換的八達通」指可被轉換為Smart Octopus的特定八達通，一經轉換，該八達通不可重新啟動。轉換後，在該八達通內儲存的工具按金（如適用）及儲值金額（如有）會被轉存入閣下的SmartOctopus的工具按金及儲值金額（如有）。

(j) 「儲值金額」指（1）八達通（不包括工具按金）及（2）閣下O!ePay賬戶內的剩餘儲值；

(k)「朋友」指與閣下O! ePay賬戶已連結以進行P2P付款的另一名O!ePay賬戶持有人；

(l) 「香港」指中華人民共和國香港特別行政區； (m)「流動網絡營運商」指獲本公司認可提供八達通的香港流

動通訊服務公司；

(n)「八達通」指本公司提供實體或非實體形式的儲值支付工具卡及產品，包括但不限於：

(i) 租用版八達通；(ii)銷售版八達通；及(iii)本公司的銀行聯營八達通（詳見第3.1(b)條）、八達通流動電話卡（詳見第3.1(d)條）、跨境八達通（詳見第3.1(c)條）、Smart Octopus（詳見第3.1(e)條）及其他消費品項目，如手錶、手機殼及匙扣的儲值支付工

具；

(o)「O! ePay賬戶」指由O! ePay賬戶持有人就O! ePay服務所申請及經本公司批准的網絡形式儲值支付賬戶；

(p)「O! ePay賬戶持有人」指持有O!ePay賬戶的人士； (q)「八達通手機應用程式」指由本公司就八達通服務及／或

O!ePay服務開發及營運的手機應用程式；

(r) 「O! ePay服務」具有第8A條賦予的涵義； (s)「P2P付款」指一個O! ePay賬戶向其朋友的O! ePay賬戶

作出的個人對個人付款；

( t ) 「支付系統及儲值支付工具條例」具有第2A.1條賦予的涵義；

(u)「已登記八達通」指可被登記作為與O! ePay賬戶進行轉賬的特定八達通；

(v)「收費項目及指引」指由本公司（八達通卡有限公司）發佈的「使用八達通的收費項目及指引附表」（經不時修訂），

最新版本可從本公司網站www.octopus.com.hk獲取；

(w)「服務供應商」指會在出示閣下的八達通時提供服務，並經本公司批准的任何交通營運商、零售商（包括但不限

於：超級市場、便利店、食肆及快餐店、食品店、其他消

費品商店如藥物及化妝品店、書店、報攤、文具及禮品

店、配飾店、商場、服裝店、電訊公司）、娛樂／康樂／運

動設施供應商、教育機構、政府相關業務實體、建築物門

禁系統服務供應商、自助服務（例如自動售賣機／自助服務

站／照相亭／電話亭）、網上付款及／或流動支付平台供應

商、網上及／或流動支付服務供應商或其他經本公司批准

在閣下出示八達通時的提供服務者。有關服務供應商須清

楚展示八達通標誌；

(x)「工具按金」具有第5.1條賦予的涵義；及 (y)「第三方營運者」指一間在香港或任何地方的實體，與本公

司訂立正式商業關係，藉以向閣下提供跨境八達通以及某些其他功能（如有）。第三方營運者並不包括本公司與其合

作提供銀行聯營八達通的任何銀行或金融服務公司或本公司與其合作提供八達通流動電話卡的任何流動網絡營運商或本公司與其合作提供Smart Octopus的任何認可流動支付服務供應商。

2A. 儲值支付工具內的儲值金額及工具按金2A.1八達通及O! ePay賬戶是《支付系統及儲值支付工具條例》下

的一種儲值支付工具。

2A.2作為根據《支付系統及儲值支付工具條例》獲授予儲值支付工具牌照的持牌人，本公司，即八達通卡有限公司有責任根據

《支付系統及儲值支付工具條例》，為卡內資金提供足夠

保障。

2A.3儲值金額及工具按金（如適用）並不產生任何利息或利潤。任何卡內資金產生（不論於生效日期之前、當日或之後產生）的

累算利息及其他回報（如有）均歸本公司所有。

2A.4依從《支付系統及儲值支付工具條例》的規定，在收到工具按金（如適用）及閣下打算為八達通（根據第6.1條）或O! ePay賬戶（根據第8A條）增值的付款（視屬何情況而定）後，本公

司會將所有該等付款直接存入獨立的指定銀行賬戶（「指定銀行賬戶」）且會分別就八達通及O! ePay賬戶在該等賬戶中維持卡內資金。該等賬戶乃以本公司名義在香港信譽良好的持牌

銀行及金融服務公司開立，並且指定只可分別作持有八達通及O! ePay賬戶卡內資金之用。本公司為客戶資金公司的絕對權

益以被動受託人形式持有存入指定銀行賬戶的卡內資金。

2A.5本公司會進一步維持本公司截至生效日期當日於相關指定銀行賬戶分別就八達通及O! ePay賬戶持有的卡內資金。

2A.6在第2A.8條的規限下，本公司將代表客戶資金公司根據本發卡條款管理卡內資金，本公司並獲授權根據本發卡條款於指定銀

行賬戶存入及提取款項。

2A.7本公司會從卡內資金扣除尤其以下幾項： (a) 應付八達通持有人及O! ePay賬戶持有人所作付款及其他

交易所需的款額，包括但不限於根據第3.3條作出的款項；

(b) 根據本發卡條款作出或應付的任何退款或其他款項；

(c) 任何卡內資金產生的累算利息或其他回報；

(d) 根據本發卡條款可收取或扣除的收費、費用或其他款額；

及

(e) 根據第15A.2條所沒收的任何卡內資金。

為免生疑問，本公司有權承受於第2A.7(c)、(d)及(e)條中指明

的款額，且有權於本公司合理地決定的日期扣除或要求作出該

等款額。

2A.8本公司會管理卡內資金，以確保時刻有足夠資金以備閣下贖回款項。

2A.9本公司將採取所有合理的組織措施，盡量降低因盜竊、欺詐、濫用、不當挪用、疏忽或管理不善而出現損失或減值卡內資金

的風險。

2A.10本公司會確保，本公司開立指定銀行賬戶的銀行及金融服務公司，不會擁有卡內資金的任何權利（包括但不限於任何抵銷

權利）。

八達通發卡條款

3. 總則3.1 (a)本公司提供兩類型八達通：

(i) 「租用版八達通」指本公司租予閣下並要求閣下繳付工具按金的八達通。根據第12.2條，閣下可退還租用版八達通並獲退回工具按金；及

(ii)「銷售版八達通」指閣下從本公司之認可經銷商處購買或根據第4.1(e)條從第三方取得的八達通。閣下購買銷售版八達通時，毋須繳付工具按金，惟閣下不能退回銷售版八達通，除非該八達通出現如第11條所述的失效情況，或如第12.3條所述註銷該八達通。

(b) 本公司認可銀行或金融服務公司，可為閣下提供「銀行聯營八達通」。這張是由該銀行或金融服務公司發行的卡或產品，附有由該銀行或金融服務公司提供

的銀行及／或付款功能，並包含八達通儲值支付工具

以用於透過八達通收費系統作出付款的卡或產品。

每張銀行聯營八達通都可能受額外的條款及細則約束，閣下使用前應細心閱覽，並應確定同意該等額

外條款及細則。任何因銀行或金融服務公司所列出

的條款及細則而導致之任何責任或法律責任，本公司

概不負責。銀行聯營八達通可能提供或不提供任何本公司的額外服務（例如個人八達通服務（第14條）、自動增值服務（第8條）、報失八達通服務（第15條））。本公司將透過發卡或產品銀行或金融服務公司通知閣下之銀行聯營八達通是否提供任何該等服務。若閣下欲退回銀行聯營八達通，應向發卡或產品銀行或金融服務公司退回，而不是向本公司、認可經銷商或認可服務中心退回。

(c) 本公司與任何第三方營運者，可能向閣下提供包含兩個或

以上的電子錢包（其中一個具有本公司提供用於透過八達

通收費系統作出付款的儲值支付工具，其餘的則為第三方

營運者提供並管理的電子錢包）的聯營或聯名跨境卡或產

品（「跨境八達通」）。其他由第三方營運者所訂定的額外條款及細則，或適用於相關的電子錢包。閣下使用前應同

意此等額外的條款及細則。任何有關或由於第三方營運者

所列出的條款及細則而導致的任何責任或法律責任，本

公司概不負責。本公司將會通知閣下就閣下的跨境八達通是否包含第3.1(a)(ii)條所界定的銷售版八達通，以及本公司會否就閣下的跨境八達通，提供本公司的任何服務（例如個人八達通服務（第14條）、自動增值服務（第8條）、報失八達通服務（第15條））。

(d) 獲本公司認可的流動網絡營運商，可向閣下提供「八達通流動電話卡」。這是一張由該流動網絡營運商發行的流動電話卡或產品，附有由該流動網絡營運商提供的流動通訊

功能，並包含可用於透過八達通收費系統作出付款的儲

值支付工具。每張八達通流動電話卡可能受其他的額外條款及細則約束，閣下應細心查閱，並應在使用前同意該等

額外條款及細則。任何有關或由於流動網絡營運商所列

出的條款及細則而導致之責任或法律責任，本公司概不

負責。八達通流動電話卡可具備或不具備任何本公司的服務（例如：個人八達通服務（第14條）、自動增值服務（第8條）、報失八達通服務（第15條））。本公司將透過為閣下提供八達通流動電話卡的流動網絡營運商，通知閣下此卡是否具備此等服務。

(e) 本公司及任何認可流動支付服務供應商可透過以下發行方

式向閣下提供「Smart Octopus」：(i) 直接透過流動裝置上的認可流動支付應用程式或本公

司不時公佈的其他渠道；或

(ii)透過流動裝置上的認可流動支付應用程式或本公司不

時公佈的其他渠道轉換經轉換的八達通； SmartOctopus可用以透過八達通收費系統支付費用。本

公司將要求閣下支付工具按金及發卡費（「 S m a r t Octopus發卡費」）。閣下應仔細閱讀認可流動支付服務供應商另訂的可能適用的條款及細則。閣下應在使用

SmartOctopus前同意該等附加條款及細則。任何有關或由於相關認可流動支付服務供應商所列出的條款及細

則而導致之責任或法律責任，本公司概不負責。Smar tOctopus可能提供或不提供任何本公司的服務（例如：個人八達通服務（第14條）、自動增值服務（第8條）、報失八達通服務（第15條））。本公司將透過認可流動支付服務供應商通知閣下，閣下的SmartOctopus是否提供任何該等服務。

3.2 本公司營運八達通收費系統及O! ePay服務，並確保該系統及

該服務是在合理的謹慎、技術及關注程度下營運。若閣下發現

八達通或O! ePay賬戶（視屬何情況而定）有任何異常情況，應盡快與本公司聯絡（詳見第23條）。

3.3 閣下為增加八達通儲值金額所支付的資金，不論由本公司直接收取或由認可增值服務供應商收取，均將根據本發卡條款適時

記入閣下的八達通及供閣下使用。若閣下是有效八達通的持有人（詳見第4.4條），八達通收費系統可讓閣下在有展示八達通

標誌的本公司任何服務供應商，使用閣下的八達通儲值金額，繳付若干貨品及服務的費用。閣下為增加O! ePay賬戶儲值

金額所支付的資金（不論由本公司直接收取或由認可夥伴收

取），以及閣下透過P2P付款收取的資金或來自已登記八達通轉賬的資金，均將根據本發卡條款適時記入閣下的O! ePay賬

戶及供閣下使用O! ePay服務。若閣下是O! ePay賬戶的真實

持有人，O! ePay服務可讓閣下在有展示O! ePay服務標誌的

任何認可夥伴，使用閣下O! ePay賬戶的儲值金額繳付若干貨

品及服務的費用。

3.4 部份服務供應商可向閣下提供服務，如進入某一處所等，但不會使用閣下八達通的繳費功能。

3.5 服務供應商或認可夥伴均有清楚展示八達通或O! ePay服務標誌以資識別，不論是在網上、實體所在處或是其他位置。若服

務供應商或認可夥伴不接受閣下的八達通，繳付其貨品／服務的費用或不接受閣下使用O! ePay服務（視屬何情況而定），請

與該服務供應商、認可夥伴或本公司聯絡。

3.6 服務供應商及認可夥伴（視屬何情況而定）須為向閣下提供的貨品及／或服務的各個方面負責。在使用服務供應商及／或認

可夥伴的服務及／或設施時，閣下須遵行其規則、規例及附

例。對於服務供應商及／或認可夥伴提供的貨品及／或服務，

本公司概不負責。對於有關事宜，閣下應直接向有關服務供應

商或認可夥伴（視屬何情況而定）查詢。

3.7 在正常情況下，本公司將會盡合理的努力，確保八達通收費系統能夠持續運作，但本公司不能保證任何服務供應商均能接受

以八達通付款，因為須視乎該服務供應商本身的系統及營運，以及網絡、電力、氣候及其他條件或情況而定，以上因素皆在

本公司的控制範圍以外。在正常情況下，本公司將會盡合理的

努力提供O! ePay服務，但並不會就O! ePay服務的可靠性、

可供使用情況、所有權、適用性或任何其他性質的事宜作出任

何聲明、認可證明或保證。此外，本公司不能保證認可夥伴均

能就閣下的O! ePay賬戶提供指定服務，因為須視乎認可夥伴

本身的系統及營運，以及網絡、電力、氣候及其他條件或情況

而定，以上因素皆在本公司的控制範圍以外。在第10.4條的規

限下，本公司概不就閣下因使用八達通服務及／或O! ePay服

務或就此直接或間接蒙受的損失或損害承擔任何責任。

3.8 本公司將對任何八達通繳費服務、O! ePay服務及本公司向閣下提供的其他服務收取合理費用。任何該等費用將於「收費項

目及指引」中公佈。

4. 獲取及使用閣下的八達通；申請及使用閣下的O!ePay服務4.1 如欲使用本公司的八達通相關服務，閣下須從以下人士獲取

有效八達通： (a) 本公司任何認可經銷商。該認可經銷商將會要求閣下購

買銷售版八達通或為租用版八達通支付工具按金（詳見第5.1條）；

(b) 本公司認可的銀行或金融服務公司。該銀行或金融服務公

司將向閣下發行銀行聯營八達通； (c) 第三方營運者。該第三方營運者可能選擇向閣下提供跨境

八達通； (d) 為閣下提供八達通流動電話卡的流動網絡營運商； (e) 獲本公司認可、為閣下提供銷售版八達通的任何其他第三

方。在此情況下，本公司會將閣下視作該八達通的擁有人，猶如閣下已購買該銷售版八達通一樣；

(f) 有效八達通的現有持有人，不論該八達通是由該現有持有人購買或是本公司租予他的亦然。在此情況下，本公司會

將閣下（即該八達通的現時持有人）當作該八達通的新持有人處理，以及當作本發卡條款所指的本公司客戶處理。

在使用有關八達通時，閣下同意受本發卡條款約束。然而，如屬個人八達通（詳見第14條）或該八達通的服務條款規定不准轉讓（如自動增值服務（詳見第8條）），則現有

持有人不得轉讓該八達通；或 (g) 為閣下提供SmartOctopus之認可流動支付服務供應商。4.2 本公司並不擁有任何： (a) 銷售版八達通（如第4.1(a)、4.1(e)或4.1(f)條所述）； (b) 銀行聯營八達通（如第4.1(b)條所述）；

(c) 跨境八達通（如第4.1(c)條所述）； (d) 八達通流動電話卡（如第4.1(d)條所述）；及 (e) SmartOctopus（如第4.1(g)條所述）；但本公司將保留管理上述八達通所載軟件及數據的權利。4.3 所有租用版八達通屬本公司所有，而本公司保留向閣下收回

租用版八達通的權利，以及管理閣下租用版八達通所載軟件及數據的權利，以上權利均將按本公司全權酌情決定行使。

4.4 「有效八達通」指符合以下定義的真正八達通： (a) 按照特定服務供應商發卡條款、規則、規例及／或附例的

規定，屬於閣下符合資格的述明車費類別（如小童、長者

或學生身份等）；

(b) 未遭損毀或未經擅改；及

(c) 由閣下合法取得。

4.5 若閣下的八達通仍有正數儲值金額，但儲值金額不敷應付所擬進行的交易，則閣下的八達通仍可在此項交易中使用，惟閣下的八達通因此項交易而產生的備用餘額（即備用限額），不得超逾本公司不時決定及公佈的最高限額。本公司可選擇及全權

決定，並會不時通知閣下，是否為任何八達通提供備用餘額功能。

4.6 如欲使用O! ePay服務，閣下須登記一個O! ePay賬戶（詳見第8A條）。

4.7 倘若懷疑閣下的八達通或閣下的O! ePay賬戶被用於未經授權的交易，請立即聯絡本公司（詳見第23條）。本公司可要求閣

下於合理時間內提供資料（包括個人資料），以支持閣下提出

之未經授權的交易。經確認閣下遵守第9.1條並確定在與閣下

八達通或閣下O! ePay賬戶（視屬何情況而定）有關的未經授權交易後，本公司將向閣下退還該等未經授權交易涉及的款額。

本公司將就提供此服務收取合理費用（「未經授權使用申索費」）。本公司就調查作出的決定即為最終決定。

4.8 為保障閣下權益，在進行涉及閣下八達通及／或閣下O! ePay賬戶的高風險交易（「高風險交易」）前，本公司將執行使用者認證程序。高風險交易指超出本公司不時公佈的單宗交易限額

或總交易限額。

5. 租用八達通或本公司向閣下發出SmartOctopus時向本公司繳付的工具按金

5.1 倘若本公司向閣下發行租用版八達通，認可經銷商將代表本公司向閣下收取按金（「工具按金」）以令八達通可供使用，工具按金將存放於本公司，而本公司將會持有工具按金作為閣下的

八達通的抵押。5.2 倘若本公司向閣下發出SmartOctopus，本公司將向閣下收取

工具按金，而本公司將會持有按金作為閣下的八達通的抵押。5.3 本公司就租用版八達通或SmartOctopus 向閣下收取的工具按

金款額，應為本公司不時決定及公佈的合理款額，藉以彌補

租用版八達通的費用、本公司發行該八達通給予閣下所產生的費用、維持八達通收費系統供閣下使用及提供備用餘額功能

（如適用）的有關費用。

6. 為閣下的八達通及閣下的O!ePay賬戶增值6.1 如欲使用八達通收費系統繳費，閣下須前往認可增值服務供應

商，繳付現金或其他可接受的付款形式，為閣下的八達通增值，或如為閣下的SmartOctopus，則透過認可流動支付應用程式支付獲接受的付款，或（如適用）使用八達通自動增值服

務（詳見第8條）或本公司不時決定及公佈的其他方式為八達通增值。如欲使用O! ePay服務，閣下須前往認可夥伴，繳付現

金或其他可接受的付款形式或使用本公司不時決定及公佈的其

他方式，為閣下的O! ePay賬戶增值。本公司將就提供增值服

務收取合理費用（「增值服務費」）。認可增值服務供應商及認可夥伴，只可為閣下的八達通及閣下的O! ePay賬戶（視屬何情況而定）提供本公司不時決定及公佈高於某最低款額、某數

額倍數及／或其他增值款額。

6.2 真確的認可增值服務供應商或認可夥伴，為閣下的八達通或閣下的O! ePay賬戶（視屬何情況而定）增值，不會提供任何折

扣優惠，唯屬於本公司認可的正式推廣活動的一部份則另作別

論。如閣下對有關認可增值服務供應商或認可夥伴的真正身份

有所懷疑，不應嘗試增值。本公司概不承認未經認可的增值服

務供應商或未經認可的夥伴為閣下的八達通或閣下的O! ePay賬戶所作的增值，或以任何其他不合法方式所作的增值。

7. 儲值的最高限額閣下的八達通及閣下的O! ePay賬戶可儲存的最高款額（「儲值

限額」）為本公司不時通知閣下的最高限額。

8. 八達通自動增值服務本公司聯同一些參與銀行及金融服務公司，或會就本公司選定

的八達通提供自動增值服務（「自動增值服務」）。閣下可透過其中一間銀行或金融服務公司另行申請自動增值服務。此外，

閣下的銀行聯營八達通，亦可能提供自動增值服務。參與銀行及金融服務公司就提供自動增值服務可能各自設有獨立的附加

條款及細則，在使用此服務前，閣下應細心閱覽，並確定同意

該等額外條款及細則。任何因銀行或金融服務公司所列明的條

款及細則而導致的任何責任，本公司概不負責。

8A. O!ePay服務8A.1本公司提供網絡儲值支付服務（「O! ePay服務」），該服務須

受本公司不時通知閣下的若干賬戶及交易限制規限。本公司亦

可能會提供與認可夥伴有關連的O! ePay服務，閣下可透過任

何一間認可夥伴個別申請。由本公司提供與認可夥伴有關連的

O! ePay服務，可能設有獨立的附加條款及細則，在使用前，

閣下應細心閱覽，並確定同意該等額外條款及細則。任何因

認可夥伴所列明的條款及細則而導致的任何責任，本公司概不

負責。

8A.2閣下須透過本公司不時公佈的途徑，及按照本公司不時公佈的要求登記一個O! ePay賬戶以成為O! ePay賬戶持有人，方可

使用O! ePay服務。作為O! ePay賬戶持有人，閣下保證閣下

(a)符合本公司不時公佈的最低年齡規定；(b)持有本公司不時

公佈的有效身份證明文件；(c)所提供的任何資料，包括閣下的

個人資料，皆準確、完整及最新；(d)會盡快更新資料（包括個

人資料），以確保閣下向本公司提供的資料皆準確、完整及最

新。本公司將就提供O! ePay賬戶收取合理費用（「O! ePay賬戶費用」）。

8A.3閣下明白，當成為O! ePay賬戶持有人，閣下作為O! ePay賬戶持有人的身份（包括已遮掩的姓名或顯示名稱）（「身份」）可按閣下的選擇公開、分享及讓知悉閣下登記在O! ePay賬戶

的手機號碼的其他O! ePay賬戶持有人（包括朋友），透過其流

動裝置內的八達通手機應用程式閱覽有關資料。閣下亦明白，

一切訊息、相片及／或其他資訊（如閣下的身份）（「內容」），皆屬建立者所擁有。在使用O! ePay服務時，閣下須就經閣下

的O! ePay賬戶上載、刊登、發出、傳送、分享或以其他形式

提供的有關內容（不論全部或部份）所產生的後果而負上所有

責任。本公司不會就內容或其任何部份承擔保密責任。當閣下

透過O! ePay服務提交內容時，即表示閣下同意授予本公司不

可撤銷的、非獨家的、永久的、全球性的、免使用費的及可轉

讓的特許，以因應O! ePay服務，透過任何及所有媒體和方式

使用、複製、發佈及提供有關內容，而閣下保證有權授予前述

的特許。閣下亦同意授權各O! ePay賬戶持有人，閱覽閣下於

O! ePay服務下的身份，並授權各朋友於O! ePay服務下閱覽

其內容。一旦本公司以全權及絕對的酌情權認為任何內容屬於

或有可能屬於以下情況時︰

(a) 侵害任何第三方的知識產權或其他權利；

(b) 非法、淫褻、誹謗、侮辱或恐嚇成份；

(c) 包含惡意、歧視或騷擾訊息；或

(d) 對任何O! ePay賬戶持有人、O! ePay服務使用者或任何第

三方作不恰當或帶有侮辱成份；

除了其他權利及補償方法之外，本公司有權即時終止閣下的

O! ePay賬戶而無需作出通知。閣下的O! ePay賬戶一經終

止，隨後將無法重新啟動。

8A.4本公司僅會在必須履行具管轄權的法院或相關監管機構發出的搜查令或命令情況下披露內容。

8A.5閣下可透過流動裝置上的八達通手機應用程式或本公司不時公佈的其他渠道，與朋友進行P2P付款。每宗P2P付款均受若干

條件規限，包括但不限於本公司不時知會閣下的儲值限額、每

日交易限額及年度交易限額。本公司將就P2P付款向閣下收取

合理費用（「P2P付款費」）。8A.6閣下可透過流動裝置上的八達通手機應用程式或本公司不時公

佈的其他渠道，在閣下的O! ePay賬戶及已登記八達通之間進行轉賬。閣下可透過流動裝置上的八達通手機應用程式或本公

司不時公佈的其他渠道，為閣下的O! ePay賬戶增值（詳見第6

條）。閣下的O! ePay賬戶及已登記八達通之間的轉賬及／或為閣下的O! ePay賬戶提供增值服務，須受若干條件規限，包括

但不限於本公司不時知會閣下的儲值限額、每日交易限額及年

度交易限額。

8A.7閣下可透過流動裝置上的八達通手機應用程式或本公司不時公佈的其他渠道，使用閣下O! ePay賬戶中的儲值金額，繳付本

公司認可夥伴所提供的貨品及服務的費用，但須受若干條件規

限，包括但不限於本公司不時知會閣下的每日交易限額。

8A.8閣下可透過流動裝置上的八達通手機應用程式或本公司不時公佈的其他渠道，將閣下O! ePay賬戶中的資金，轉入閣下於銀

行或金融服務公司開立的已登記銀行賬戶。閣下將O! ePay賬

戶中的資金轉入閣下已登記的銀行賬戶，須受若干條件規限，

包括但不限於本公司不時知會閣下的每日交易限額。本公司會

就將閣下O! ePay賬戶中的資金轉入閣下已登記的銀行賬戶的

轉賬收取合理費用（「銀行賬戶轉賬費用」）。8A.9除了第8A.3條所規定外，在出現以下情況時，本公司可於無須

承擔任何責任的情況下隨時有全權及絕對的酌情權，即時暫停

或終止閣下的O! ePay賬戶︰

(a) 閣下已違反或將會違反任何適用法例或規例；

(b) 閣下已違反或將會違反任何本發卡條款的條款；

(c) 本公司認為閣下使用O! ePa y賬戶，將會損害或危害

O! ePay服務的完整性或安全性；或

(d) 本公司需要遵從具管轄權力的法院、或政府、或相關監管

機構或交易所發出的命令。

如閣下的O! ePay賬戶被暫停，本公司會於確定以上情況不再

存在或不會再發生時，又或確定閣下O! ePay賬戶的使用，不

會損害或危害O! ePay服務的完整性及安全性時，取消有關暫

停。在第15A條的規限下，如閣下的O! ePay賬戶被終止，本

公司會按照本公司系統的記錄所示，於扣除包括O! ePay服務

收費欠款等任何款額後，安排將閣下O! ePay賬戶中的儲值金

額（如有）退還閣下。閣下的O! ePay賬戶一經終止，隨後將無

法重新啟動。

8A.10除了第8A.3及8A.9條所規定外，若閣下的O! ePay賬戶內未有足夠儲值金額支付包括O! ePay服務收費欠款等任何款額

時，除了其他權利及補償方法外，本公司亦有權即時終止閣下

的O! ePay賬戶而無需作出通知。閣下的O! ePay賬戶一經終

止，隨後將無法重新啟動。

8A.11如閣下的O! ePay賬戶受到任何方面的影響，閣下應立即通知本公司（詳見第23條）。閣下須承擔閣下通知本公司上述問題

前閣下的O!ePay賬戶被用於未經授權交易所產生的損失。

9. 使用閣下八達通及O!ePay賬戶時的義務9.1 閣下應採取合理安全預防措施，小心保管閣下的八達通，以免

損壞或被擅自改動或未經授權使用。閣下應採取合理安全預防

措施，小心保管閣下的O! ePay賬戶，確保妥善及安全地使用

閣下的O! ePay賬戶，包括保密閣下的賬戶密碼。如閣下向本

公司交回的租用版八達通，因分層、摺曲、切割、破損、塗寫或以任何方式在上面附加物料及／或物件而損毀或改變，本公

司將收取「收費項目及指引」所列的合理費用，藉以彌補損毀

的費用。

9.2 閣下不得使用或容許任何人使用閣下的八達通及／或O! ePay賬戶作任何非法用途。

9.3 閣下只可在有展示八達通標誌的地方，出示閣下的八達通。閣下不應在沒有展示八達通標誌的收費器上出示閣下的八達通，因為此舉可能損毀八達通及／或引致閣下損失。

9.4 閣下不得以任何方法擅自改動八達通（包括但不限於八達通所儲存的軟件及數據）。閣下不應以任何方法利用或干擾閣下的

O! ePay賬戶或滋擾其他O! ePay服務使用者，尤其是閣下不

得使用或啟動任何自動化系統（包括但不限於robots、load

testers或spiders程式）進入O! ePay賬戶或使用O! ePay服

務。擅自改動閣下的八達通所載數據，可能構成刑事罪行。如擅自改動閣下的八達通或者利用或干擾閣下的O! ePay賬戶，本公司將不承認以該八達通或O! ePay賬戶所進行之交易或退還該八達通或O! ePay賬戶的任何儲值金額或工具按金（如適用）。

9.5 如因閣下改動或干擾或容許第三方改動或干擾閣下的八達通及／或O! ePay賬戶數據引致本公司蒙受或產生任何費用、

支出、損失或損害，本公司有權追收合理的費用、支出、損失

或損害賠償。

9.6 如閣下遺失八達通或八達通被竊，或本公司有合理理據懷疑有可疑行為，或按現行法例所要求，本公司會要求閣下與本

公司及（如適用）警方合作，以尋回閣下的八達通。如閣下的O! ePay賬戶受到干擾、或本公司有合理理由懷疑存在上述性

質的行為，或按現行法例所要求，本公司會要求閣下與本公司

及（如適用）警方合作以進行調查。

9.7 本公司的職員及本公司認可服務供應商的授權代表，均有權在任何合理時間，檢查閣下的八達通以及包含八達通的品目，包括該八達通的數據在內。

10. 正確使用閣下的八達通及O!ePay賬戶10.1由於可能互相干擾，閣下請勿同時攜帶超過一張八達通，或攜

帶八達通時將之貼近另一非接觸式智能卡，否則有關風險一概由閣下承擔。如因使用閣下的八達通，損害任何八達通或電子裝置的功能，本公司概不負責。如閣下要求本公司退回錯誤扣

除的數額，而該錯誤源自閣下同時攜帶超過一張八達通或攜帶八達通時，將之貼近另一非接觸式智能卡，本公司保留不接納退款要求的權利。

10.2如因閣下不當或未經授權使用閣下的八達通及／或O! ePay賬戶造成任何人身損傷及／或財物損失或損毀，本公司概

不負責。

10.3閣下同意彌償本公司就閣下不當或未經授權使用閣下八達通或O! ePay服務而使本公司在任何情況下蒙受、承受或產生的一

切訴訟、法律程序、債務、申索、損失、損害及合理費用及支

出（包括一切合理的法律費用）。

10.4本發卡條款並不免除或限制本公司因疏忽或欺詐造成死亡或人身損傷而須承擔的責任。

11. 功能失效若閣下八達通的功能並非因閣下的過錯所致而失效，而閣下亦

沒有在任何方面損毀或擅自改動該八達通： (a) 如閣下持有租用版八達通或是從本公司認可經銷商處購得

的銷售版八達通，閣下應將該八達通退回本公司的認可服務中心。如屬租用版八達通，本公司將會安排退回儲存於該八達通內的儲值金額（如有），並補發一張臨時八達通給閣下；如屬銷售版八達通，則本公司只會安排退回儲存於該八達通內的儲值金額（如有）（詳見第12.2條）；或

(b) 如閣下持有跨境八達通，閣下應聯絡本公司的認可服務中心（或任何由本公司認可服務中心所指示的其他方）或本

公司不時公佈的其他渠道。本公司只會安排退回儲存於該

八達通內的儲值金額（如有）（詳見第12.5條）；或 (c) 如閣下是按第4.1(e)條所述，從任何其他第三方取得閣下

的八達通，閣下應與該第三方聯絡；或 (d) 如閣下購買的八達通設有有限期的售後保養服務，閣下應

與有關保養服務提供者聯絡；或

(e) 如閣下獲發的是銀行聯營八達通，應聯絡發行銀行或金融服務公司。在正常情況下，該銀行或金融服務公司將為閣

下補發銀行聯營八達通。如該八達通有任何正值或負值儲值金額，將由發行銀行或金融服務公司辦理；或

(f) 如閣下獲提供的是八達通流動電話卡，閣下應聯絡本公司或登入本公司網站或利用本公司不時公佈的其他渠道，申

請註銷使用閣下八達通流動電話卡的八達通功能，以便安排退回其中儲存的任何儲值金額（如有）。閣下亦應聯絡流

動網絡營運商。在正常情況下，該流動網絡營運商將補發

八達通流動電話卡給閣下，並可能為此收取費用；或 (g) 倘若閣下獲發出SmartOctopus並且在獲發出SmartOctopus

之時已向本公司提供個人資料，則閣下註銷閣下的SmartOctopus 時應聯絡本公司或使用本公司的網上申請或本公司不時公佈的其他渠道，本公司會安排退回儲存於該八達通內的工具按金（如適用）及儲值金額（如有）。

12. 退還或註銷閣下的八達通以及註銷閣下的O!ePay賬戶12.1 本第12條受第15A條規限。12.2閣下可在下列情況下退回八達通： (a) 如閣下的八達通功能失效，可根據第11條所述退回；或 (b) 如閣下持有租用版八達通，閣下可自行選擇將其退回認可

服務中心。當閣下退回租用版八達通並申請退款時，有關該八達通的工具按金（如適用）及儲存於該八達通內的儲值金額（如有），將會全數退還給閣下。但在以下情況，

本公司可扣除合理款額，藉以彌補以下各項費用：

(i) 閣下租用版八達通的負值儲值金額；(ii)手續費（視乎本公司已將該八達通租予閣下的時間多久而定）（「手續費」），藉以彌補本公司產生的費用，包括認可服務中心提供退還及退款服務所收取的費用；

(iii)閣下租用版八達通任何損毀的修理費用（如適用）；(iv)自動增值服務的任何欠款；

(v)第13.2條所述的不常用八達通行政費（如適用）；(vi)任何其他款項，包括八達通服務費欠款。

12.3如閣下退回銷售版八達通以作註銷，本公司將停用閣下的銷售版八達通，並於扣除任何包括八達通服務收費及欠款等款額後，退回其儲存的任何儲值金額。然而，本公司不會退回該

銷售版八達通的售價（如有）。如閣下註銷銷售版八達通，隨後

將無法重新啟動。

12.4閣下或發行銀行或金融服務公司，可根據閣下與發行銀行或金融服務公司之間的持卡人協議，以及根據本發卡條款的規定，

申請註銷閣下的銀行聯營八達通。如閣下的銀行聯營八達通被註銷，本公司在閣下與發卡銀行或金融服務公司之間的持卡人

協議條文的規限下，將透過發卡銀行或金融服務公司向閣下退

回其中儲存的任何儲值金額（如有）。然而，本公司將不會向

閣下退還該銀行聯營八達通的費用（如有）。12.5閣下可將跨境八達通退還本公司的認可服務中心（或任何由本

公司認可服務中心所指示的其他地方）。閣下的跨境八達通退還事宜，將按照與根據上文第12.3條退還銷售版八達通相同的方式處理。

12.6閣下應與本公司或本公司的認可服務中心（或任何由本公司認可服務中心所指示的其他方）聯絡，或登入本公司網站或利用

本公司不時公佈的其他渠道，申請註銷使用閣下八達通流動電話卡的八達通功能。本公司在扣除包括八達通服務收費及欠款等任何款額後，將停用閣下八達通流動電話卡的八達通功能，並將此八達通流動電話卡內的儲值金額退還閣下。然而，本公司將不會向閣下退還，此八達通流動電話卡的售價或任何費用（如有）。如閣下註銷使用八達通流動電話的八達通功能，隨後將無法重新啟動。

12.6A如閣下在獲發出Smart Octopus時已向本公司提供個人資料，閣下可使用認可流動支付應用程式或本公司的網上申請或本公

司不時公佈的其他渠道，以註銷閣下的Smart Octopus，本公司將在扣除以下費用後停用閣下的SmartOctopus：

(i) 閣下的SmartOctopus內的任何負值儲值金額； (ii) 自動增值服務的任何欠款；

(iii)第13.4條所述的不常用SmartOctopus行政費（如適用）；

(iv)關於八達通服務的任何其他金額（包括收費欠款）；

並將此八達通內的工具按金（如適用）及儲值金額退還閣下。但本公司將不會向閣下退還與閣下的Smart Octopus相關的費用或任何收費。如閣下註銷Smart Octopus，隨後將無法重新啟動SmartOctopus。

12.7閣下可隨時透過本公司不時公佈的途徑及方法，申請註銷閣下的O! ePay賬戶。本公司於扣除任何包括O! ePay服務收費

欠款等款額後，會安排退還閣下的O! ePay賬戶儲值金額（如

有）。閣下的O! ePay賬戶一經註銷，隨後將無法重新啟動。

如O! ePay賬戶持有人已身故，已故O! ePay賬戶持有人的

遺產代理人，應提交已故O! ePay賬戶持有人的死亡證明，以

及作為遺產代理人的身份證明，藉以認領任何儲值金額的退

款。本公司將就註銷閣下的O! ePay賬戶向閣下收取合理行政

費（「O! ePay賬戶註銷費」）。12.8 本公司保留權利毋須給予理由而隨時收回、註銷、終止或暫停

閣下的八達通、O! ePay服務（包括閣下的O! ePay賬戶）或本公司任何服務，但本公司將會採取合理步驟，藉以將對閣下造

成的不便減至最低。閣下須按照本公司所通知的方式，提交閣

下的八達通，以便辦理補發手續。在該情況下，本公司會將工具按金（如適用）及儲值金額（如有）退還閣下。

12.9 八達通乃專為繳費及相關服務而設，並非作為匯兌或轉移款項的媒介。就根據本發卡條款提供的任何服務而言，本公司保留

權利，向閣下要求提供資料（包括個人資料）、進行調查（可因

而收取合理費用（「調查費」）），以及全權決定拒絕個人或機構提出的多次、高價值或重複的購買或退款要求。

13. 不常用八達通13.1不常用八達通被失效發給閣下的八達通是供閣下經常使用。若閣下在本公司不時公

佈的期間內並未為閣下的八達通增值，基於對閣下及本公司的保障，本公司將會當作閣下的八達通不再使用處理，並將會令閣下的八達通失效。若閣下其後擬讓該八達通重新啟動，本公司將向閣下收取合理的重新啟動費用（「重新啟動費用」）。

13.2不常用租用版「成人」八達通行政費如閣下持有於2017年10月1日（「不常用八達通行政費生效日

期」）或之後發出的「成人」類別的租用版八達通（即租用版成人八達通，已加註「學生身份」或「殘疾人士身份」的個人八達通，或閣下為未滿十八歲或年滿六十歲或以上之租用版個人八達通持有人除外)，並在本公司不時決定及公佈的指定期間（每段期間被稱為一段「不常用期間」）內沒有為該八達通增值或沒有使用該八達通作付款交易，本公司將向閣下收取其不常用租用版成人八達通於每段不常用期間的行政費用（「不常用八達通行政費」）。不常用八達通行政費將從閣下的不常用八達通的儲值金額（如有）及工具按金中扣除：

(a) 直到閣下的不常用八達通重新啟動為止；

(b) 直到閣下按第12.2(b)條所述退回閣下的八達通為止；或 (c) 直到儲值金額及工具按金被扣完為止（在這種情況下，本

公司將註銷閣下的八達通，且閣下的八達通隨後將無法重新啟動）；

以最早者為準。

13.3就本第13.2條而言： (a) 首段不常用期間指以下二者中的較後者：

(i) 本公司在閣下上次增值或閣下上次使用八達通進行付款交易（以較後者為準）後指定的期間；或

(ii)緊接不常用八達通行政費生效日期之後的指定期間。

(b) 隨後的不常用期間指此後連續十二個月的期間或本公司不

時決定及公佈的指定期間。

13.4不常用SmartOctopus行政費如閣下持有Smart Octopus，並在本公司不時決定及公佈的指

定期間（每段期間被稱為一段「不常用Smart Octopus期間」）內沒有為該八達通增值或沒有使用該八達通作付款交易，本公司將向閣下收取不常用Smart Octopus於每段不常用期間的行政費用（「不常用Smart Octopus 行政費」）。不常用SmartOctopus行政費將從閣下的不常用Smart Octopus的儲值金額（如有）及工具按金中扣除：

(a) 直到閣下的不常用SmartOctopus重新啟動為止； (b) 直到閣下按第11(g )條或第12 .6 (A )條所述註銷閣下的

SmartOctopus為止；或 (c) 直到儲值金額及工具按金被扣完為止（在這種情況下，本公

司將註銷閣下的Smart Octopus，且閣下的Smart Octopus隨後將無法重新啟動）；

以最早者為準。

13.5就第13.4條而言： (a) 首段不常用SmartOctopus期間指本公司在閣下上次增值

或使用SmartOctopus進行付款交易（以較後者為準）後指定的期間；

(b) 隨後的不常用Smart Octopus期間指此後連續十二個月的

期間或本公司不時決定及公佈的指定期間。

13.6有關詳情已於「收費項目及指引」列出，歡迎登入本公司網站www.octopus.com.hk參閱。

14. 個人八達通服務14.1如本公司提供個人八達通服務，閣下可向本公司申請將閣下的

身份與特定八達通聯繫（「個人化」）。閣下的個人資料將以電子格式儲存於個人八達通內，此資料可能或不予印在該個人八達通上。本公司將就製作及（如提出要求）處理退回閣下的個人八達通收取合理費用（「個人化費用」）。

14.2發行銀行聯營八達通的銀行或金融服務公司，可能為閣下提供本公司的個人八達通服務。任何有關發行銀行或金融服務公司訂明額外費用或收費將由有關發行銀行或金融服務公司通知

閣下。

14.3如有關閣下個人八達通的姓名、地址、電話或電郵地址有任何更改，閣下須立即以書面通知本公司。

14.4個人八達通享有更強的保障。如閣下的八達通或其安全性受到任何方面的影響，閣下應立即通知本公司（詳見第23條）。

閣下可能要承擔其受影響八達通被用於未經授權交易所產生的損失。

14.5閣下不得容許其他人使用閣下的個人八達通。如發現其他人管有閣下的個人八達通，本公司及／或代表本公司的服務供應商均有權（但並無責任）向有關人士收回閣下的個人八達通。

14.6如閣下擬將閣下的個人八達通退回本公司的認可服務中心或以本公司不時公佈的其他渠道將個人八達通退回，閣下須親自提交該個人八達通，或（如該個人八達通的持有人已身故）由已故持有人的遺產代理人提交該個人八達通及已故持有人的死亡證明，以及作為遺產代理人的身份證明，藉以申請取回第12條

所述的工具按金（如適用）及／或任何儲值金額退款。

15. 報失八達通服務15.1若閣下是個人八達通持有人或自動增值服務用戶，閣下將會自

動獲得本公司提供的報失八達通服務。此項報失八達通服務，不適用於本公司的其他服務，除非有關服務的條款及細則有清

楚說明，則另作別論。

15.2若閣下獲得本公司提供報失八達通服務，而閣下遺失八達通或八達通被竊，閣下須立即通知本公司（詳見第23條），除非此八達通屬銀行聯營八達通，則應通知該發行銀行或金融服務公司。本公司在收訖閣下報失後的指定期間（「報失八達通通知期」，最新近的報失八達通通知期載列於「收費項目及指

引」）後，將閣下的八達通註銷及停用。本公司將不時決定及公佈報失八達通通知期。閣下的八達通一經註銷，將無法重新啟動。

15.3第15.2條所述的報失八達通服務，將可保障閣下不會於報失八達通通知期屆滿後承擔八達通內尚有的儲值金額以及經自動增值服務增值之款項的損失。在報失八達通通知期屆滿之前，閣下可能要承擔其八達通被用於未經授權交易所產生的損失。

15.4於報失八達通通知期屆滿時，本公司會按照本公司系統的記錄所示的工具按金（如適用）及儲值金額（如有）退還閣下。本

公司將就提供此項報失八達通服務向閣下收取合理費用（「報失八達通服務費」），並(a)從閣下的八達通工具按金或儲值金額（如有）的退款中扣除，或(b)由閣下繳付。

15A.八達通及O!ePay賬戶中的款額的效期屆滿、退款及釐定15A.1依據第12或15條所述而退還給閣下的八達通內任何工具按金

及／或儲值金額將不獲計算利息。而按第8A或12條所述，退還

給閣下的O! ePay賬戶內任何儲值金額將不獲計算利息。任何

卡內資金產生（不論於生效日期之前、當日或之後產生）的累

算利息或其他回報（如有），均歸本公司所有。

15A.2若閣下的八達通內任何工具按金及／或儲值金額或O! ePay賬戶內儲值金額的退款，於本公司不時公佈的期間（「屆滿日期」）內仍未被閣下領取，本公司將予以沒收而毋須另行通知，無論任何情況下，閣下不能就此提出任何申索。本公司於

屆滿日期屆滿後有權享有該工具按金及儲值金額。

15A.3退款一經收訖，閣下須當作為已接納該等款額為正確，並同意解除本公司對閣下負有的任何責任，包括但不限於該等退款款

額的任何差額或錯誤。

15A.4在釐定將要退還給閣下的工具按金及儲值金額時，除非本公司有任何明顯錯誤，本公司持有的記錄須視為工具按金及／或儲

值金額的確證。

15A.5本公司獲香港金融管理局發出牌照，向閣下提供八達通服務及O! ePay服務。本公司在合理的謹慎、技術及關注程度下提供

本公司服務。若本公司於相當不會出現的情況下撤出其商業營

運，包括本公司清盤或儲值支付工具牌照被暫停或撤銷，本公

司將遵循本公司的業務退出計劃及香港金融管理局的指示（如

有）。

16. 有關閣下的個人資料收集聲明：關於個人資料（私隱）條例（「該條例」）的通知（「本通知」）

16.1該條例規管本公司不時向閣下收集、管有、處理及使用個人資料及其他資訊（「資料」）。該資料應包括交易記錄（即本公司從(a)本公司八達通讀寫器及／或從其他渠道取得閣下在

使用八達通時的交易資料，及(b)O! ePay服務運作及／或從其他渠道取得閣下在使用O! ePay賬戶時的交易資料），而此

等交易記錄根據該條例第2(1)條的定義，構成「個人資料」。

此等資料可讓本公司向閣下提供八達通及O! ePay服務及其他相關服務。有關本公司的私隱政策詳情，請參閱本司刊載於

www.octopus.com.hk的「私隱政策」，而本通知則為本公司

收集、管有、處理及使用資料的依據。

16.2如不向本公司提供閣下的個人資料，本公司可能無法因應要求而向閣下提供本公司的某些服務，包括但不限於個人八達通服務、自動增值服務、報失八達通服務、O! ePay服務、申請註銷使用閣下八達通流動電話卡的八達通功能、申請註銷閣下的O! ePay賬戶、申請註銷閣下的Smart Octopus或交易記錄查詢等。

16.3目的：閣下同意，本公司可將閣下的資料作以下用途： (a) 處理本公司不時為閣下提供服務的申請；

(b) 根據法例、規例、守則或指引，進行所需的客戶盡職

審查；

(c) 八達通收費系統、O! ePay服務及卡內資金的管理、運作

及保養，包括審計及本公司與閣下根據本發卡條款行使其

權利；

(d) 為本公司、其附屬公司及聯屬公司（即本公司的直接控股

公司及其附屬公司）設計新服務或改善現有服務；

(e) 本公司與閣下進行通訊；

(f) 調查投訴或備受懷疑的可疑交易（不論是否有關八達通，或是有關跨境八達通或其他方面）及研究服務改善措施；

(g) 防止及偵測罪行；及

(h) 根據法例、規則、規例、守則或指引作出披露。

16.4轉移：本公司會將閣下的資料保密，但閣下同意，基於第16.3條列出之目的，本公司可將有關資料轉移或披露予位於香港境

內的下述各方（惟第16.4(a)、(b)及(c)條中列出的有關方或下

方(e)條中列出的客戶資金公司的擁有人或服務供應商可能位於

香港境外）：

(a) 閣下已選擇登記並對本公司有保密責任的銀行聯營八達通發行商與參予自動增值服務的銀行及金融服務公司；

(b) 對本公司有保密責任的第三方營運者；

(c) 對本公司有保密責任而向本公司提供與本公司業務運作有

關的行政、電訊、電腦、打擊洗錢及恐怖份子籌資情報、

付款、數據處理或其他服務的代理人或承辦商（例如專業

顧問、電話服務中心供應商、收賬公司（若閣下拖欠本公

司款項）、速遞公司、禮品換領中心或資料輸入公司）；

(d) 對本公司有保密責任的本公司附屬公司及／或聯屬公司；

(e) 參與(i)確保根據本發卡條款及《支付系統及儲值支付工具

條例》處理卡內資金及(ii)在本公司於清盤時管理卡內資金

的客戶資金公司、其擁有人及其第三方服務供應商；

(f) 閣下指定的朋友；及

(g)本公司、其附屬公司及／或聯屬公司，根據任何法例、規

則、規例、守則及／或指引規定及／或履行任何具管轄權

力的法院、執法機關及／或監管機構所發出的命令，按

照適用之法例、規則、規例、守則及／或指引，有具約束

力責任履行在法律上可強制執行向任何執法機關及／或監

管機構作出披露的要求，但此類披露須有適當授權方可

作出。

16.5 查閱：閣下有權： (a) 查核本公司是否持有閣下的資料及查閱該等資料；

(b) 要求本公司改正任何不準確資料；及

(c) 確定本公司處理資料的政策及慣例和獲告知本公司持有的

資料類別。

16.6 本公司將就依從閣下查閱閣下資料的任何要求，向閣下收取合理費用（「資料查閱費」）。

16.7 任何查閱資料的要求，應以書面向下列人士提出：香港九龍九龍灣宏泰道23號ManhattanPlace46樓

八達通卡有限公司

保障資料主任

電郵地址：[email protected]

16.8本通知不會限制閣下在該條例下所享有的權利。

17. 交易記錄17.1 閣下可透過本公司不時公佈的渠道，查詢關於閣下的八達通交

易記錄，包括八達通的儲值金額餘額，以及截至該等數目的最近期八達通交易的日期、時間及消費款額。就O! ePay服務而言，本公司將提供關於閣下O! ePay賬戶交易記錄的月結單，

閣下可要求獲得截至本公司不時公佈的時期的此類月結單列印

本。閣下必須經常得悉閣下O! ePay賬戶的所有交易情況，包

括核對本公司就閣下O! ePay賬戶發出的每份月結單，並在發

現任何交易資料有所不符時，於本公司不時通知的指明期間內

通知本公司。本公司將在合理時間內提供閣下所要求的資料，

包括閣下O! ePay賬戶的月結單列印本，並就此項服務收取合

理費用（「交易記錄查閱費」）。17.2 本公司將會謹慎保存閣下八達通及閣下O! ePay賬戶的交易記

錄。交易記錄是指所有本公司從(a)本公司系統中的八達通讀寫

器及／或從其他渠道獲得關於閣下使用其八達通的的所有交易資料，及(b)O! ePay服務運作及／或從其他渠道獲得有關閣下

使用O! ePay服務的所有交易資料。除上文第17.1條另有規定

外，本公司只會向以下人士披露閣下的交易記錄︰

(a) 與閣下八達通使用有關的相關服務供應商或認可流動支付服務供應商，或閣下O! ePay賬戶的認可夥伴（該等服務

供應商及認可夥伴均對本公司有保密責任）；

(b) 本公司須遵從任何具管轄權力的法院或相關監管機構發出

的搜查令或命令；

(c) 為本公司維持八達通收費系統或O! ePay服務正常管理、

運作及保養，並對本公司有保密責任的任何其他團體；

(d) 任何對本公司有保密責任，並向本公司提供與本公司業務

運作有關的行政、電訊、電腦、打擊洗錢及恐怖份子籌資

情報、付款、數據處理或其他服務的代理人、承辦商或第

三方服務供應商；

(e) 對本公司有保密責任的客戶資金公司，以便客戶資金公

司(i)確保根據本發卡條款及《支付系統及儲值支付工具條

例》處理卡內資金，及(ii)在本公司清盤時管理卡內資金；

或

(f) 任何對本公司（包括本公司的附屬公司、聯屬公司或為第

16條所述之目的之商業夥伴）有保密責任的其他人士。

八達通顧客服務熱線:2266 2222八達通卡有限公司牌照號碼:SVF0001 C

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18. 新服務本公司可不時向閣下提供與閣下的八達通及／或O! ePay服務

有關的新服務，而新服務將受本發卡條款或就有關服務不時修

訂的條款及細則所管轄。

19. 費用與收費本公司的費用及收費，可在本公司的網站www.octopus.com.hk

查閱，亦可向本公司的認可經銷商或認可夥伴索閱。詳情請參

閱本公司網站www.octopus.com.hk所載的「收費項目及指

引」。請閣下不時查看本公司的最新收費。

20. 發卡條款的修改20.1本公司可不時修訂本發卡條款，如有關修訂在費用及收費、責

任或義務上對現時客戶有所影響，本公司將於修訂前在一份中文及一份英文報章及／或於本公司網站www.octopus.com.hk就修訂刊登通知。

20.2有關修訂會於該通知上所載的日期生效，而有關修訂會於生效日期前最少30日於報章及／或於本公司網站www.octopus.com.hk刊登。

20.3有關修訂對閣下適用，除非在有關修訂生效前，閣下的八達通已註銷或閣下的O! ePay賬戶已註銷或被終止（視屬何情況而定）。

20.4本發卡條款的最新版本，可於本公司網站www.octopus.com.hk查閱，亦可向本公司指定的認可經銷商及認可夥伴索閱。

21. 第三者權利本發卡條款並不產生或引起，也不旨在用以產生或引起任何第

三者的權利。不論本發卡條款直接、間接、明示或暗示地賦予

任何權利或利益予任何第三者，任何第三者均沒有任何權利強

制執行或倚賴本發卡條款的任何條文。在此明確排除任何因法

例的應用（包括但不限於《合約（第三者權利）條例》）而產生或

賦予與本發卡條款有關的第三者的合約權利或其他權利。為免

生疑問，本發卡條款中的任何規定概不影響本發卡條款的任何

許可承讓人或受讓人的權利。

22. 不可抗力如因本公司合理控制範圍之外的事件、情況或原因（包括根

據《支付系統及儲值支付工具條例》暫停或撤銷本公司的牌

照），導致本公司延遲履行或未能履行本公司在本發卡條款下

的任何義務，則本公司並無違反本發卡條款，亦不須就該等行

為負上任何責任。在此等情況下，履行義務的時間應予延長，

而延長的時限與受延遲或未能履行的時間相同。

23. 通訊23.1如閣下有任何關於閣下八達通及O! ePay服務使用的疑問、投

訴、支援以及異常情況或事故通知，請透過本公司不時公佈的

渠道與本公司聯絡。就O! ePay服務而言，除非另有說明，本公

司根據本發卡條款向閣下發出的通訊將一概透過八達通手機應

用程式或閣下為使用短訊服務而向本公司登記的手機號碼或本

公司不時通知閣下的其他電子渠道發出。本公司將使用第23條

中的前述安全聯絡渠道或經本公司網站www.octopus.com.hk

與閣下進行通訊。任何經指稱代表本公司的其他途徑發送給閣

下的訊息皆不可靠。

23.2為保障閣下的權益，如第三者宣稱代表閣下與本公司聯絡，本公司可能要求該第三者提供授權證明，本公司亦可能直接聯絡

閣下進行核實。

24. 以英文版本為準本公司現已提供本發卡條款的中譯本，以供參考。若中、英文

版本之間有任何抵觸，應以英文版本為準。

25. 管轄法律及司法管轄權本發卡條款受香港法律管轄。閣下及八達通卡有限公司不可撤

銷地同意香港的法院對解決因本發卡條款、本發卡條款標的事

項或構成所產生或與之相關的任何爭議或申索（不論是合約或

非合約上的爭議或申索）具有專有管轄權。

YOUR ATTENTION IS DRAWN TO CONDITION 13 AND THE PERSONAL INFORMATION COLLECTION STATEMENT IN CONDITION 16

1. Conditions of Issue These Conditions of Issue of Octopus (these “Conditions of Issue”)

are effective from 12 December 2017 (“Commencement Date”) for all customers.

2. Introduction2.1 These Conditions of Issue are a contract between you, our customer,

and us, Octopus Cards Limited, the issuer of Octopus, in respect of the use of your Octopus, and the issuer of the stored value facility under the Octopus O! ePay Service. By using Octopus and/or Octopus O! ePay Service, you agree to be bound by these Conditions of Issue.

2.2 These Conditions of Issue explain our obligations to you and yours to us. While they apply to all our main services, they may be complemented or changed by particular terms and conditions for certain services which you may use.

2.3 There are a few terms we use in these Conditions of Issue which we should explain:

(a) “Authorised Add Value Service Provider” is a Service Provider, bank or financial services company that we have authorised to offer the service of adding value to your Octopus in return for cash or other consideration;

(b) “Authorised Distributor” is an entity that we have authorised to make available an Octopus to you;

(c) “Authorised Mobile Payment App” means the mobile applications operated by Authorised Mobile Payment Service Provider(s) to provide services in respect of your Smart Octopus;

(d) “Authorised Mobile Payment Service Provider” is a mobile payment service provider that we have authorised to offer Smart Octopus;

(e) “Authorised Partner” is a bank or financial services company or a corporate entity that we have authorised to offer their services in respect of your O! ePay Account;

(f) “Authorised Service Centre” is an entity that we have authorised to service an Octopus on our behalf;

(g) “Card Funds” means the SVF Deposits and Float from time to time; (h) “Client Funds Company” shall mean Octopus Cards Client Funds

Limited, whose Articles of Association provide that its function is to hold and deal with Card Funds in accordance with these Conditions of Issue and PSSVFO;

(i) “Converted Octopus” means selective Octopus that can be converted into a Smart Octopus and once converted, cannot be re-activated. Upon conversion, the SVF Deposit, if applicable, and the Float, if any, stored on such Octopus shall be added to the SVF Deposit and the Float, if any, of your Smart Octopus;

(j) “Float” shall mean the stored value remaining (1) on an Octopus, excluding SVF Deposit, and (2) in your O! ePay Account;

(k) “Friend” means another O! ePay Account Holder who has established a linkage between his/her O! ePay Account and your O! ePay Account for the purpose of performing P2P Payment;

(l) “Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China;

(m) “Mobile Network Operator” is a company that provides mobile telecommunication services in Hong Kong that we have authorised to offer Octopus;

(n) “Octopus” means device- and non-device-based stored value facility cards and products provided by us, including without limitation:(i) On-Loan Octopus;(ii) Sold Octopus; (iii) our stored value facility in Bank Co-Brand Octopus (see Condition

3.1(b)), Octopus Mobile SIM (see Condition 3.1(d)), Cross Border Octopus (see Condition 3.1(c)), Smart Octopus (see Condition 3.1(e)) and other consumer items such as watches, phone covers and keyrings;

(o) “O! ePay Account” means a network-based stored value account applied for by an O! ePay Account Holder with and approved by us in respect of the Octopus O! ePay Service;

(p) “O! ePay Account Holder” means a holder of the O! ePay Account; (q) “Octopus Mobile App” means mobile applications developed and

operated by us for Octopus services and/or the Octopus O! ePay Service;

(r) “Octopus O! ePay Service” shall have the meaning ascribed to it in Condition 8A;

(s) “P2P Payment” means person-to-person payment from one O! ePay Account to his/her Friend’s O! ePay Account;

(t) “PSSVFO” shall have the meaning ascribed to it in Condition 2A.1; (u) “Registered Octopus” means selective Octopus that can be

registered for the purpose of making fund transfer with your O! ePay Account;

(v) “Schedule of Fees and Guidelines” means the “Schedule of Fees and Guidelines relating to the use of Octopus” published by us, Octopus Cards Limited, as amended from time to time, the latest version can be obtained from our website at www.octopus.com.hk;

(w) “Service Provider” means any transport operators, retailers (including without limitation supermarkets, convenience stores,

restaurants and fast food shops, food, other consumer goods e.g. medicines and cosmetics, books, newspapers, stationery and gifts, accessories shops, shopping malls, wearing apparel, telecommunications), entertainment / recreation/sports facilities providers, educational establishments, government related entities, building access control providers, unattended services (such as vending machines / kiosks / photo booths / telephone booths), online and/or mobile payment platform providers, online and/or mobile payment service providers or other parties which offer their services when you present your Octopus and are approved by us. These Service Providers should display the Octopus acceptance logo clearly;

(x) “SVF Deposit” shall have the meaning ascribed to it in Condition 5.1; and

(y) “Third Party Operator” is an entity, whether in Hong Kong or elsewhere, with which we have entered into a formal business relationship to provide you with Cross Border Octopus, and some other functionalities, if any. Third Party Operators do not include any bank or financial services company with whom we offer the Bank Co-Brand Octopus, or any Mobile Network Operator with whom we offer the Octopus Mobile SIM or any Authorised Mobile Payment Service Provider with whom we offer the Smart Octopus.

2A. Float and SVF Deposit of a Stored Value Facility2A.1 The Octopus and O! ePay Accounts are stored value facilities under the

Payment Systems and Stored Value Facilities Ordinance (“PSSVFO”). 2A.2 As the licensee of the stored value facility licence granted under

PSSVFO, we, Octopus Cards Limited, are responsible for the adequate protection of Card Funds in accordance with PSSVFO.

2A.3 The Float and the SVF Deposits, if applicable, do not accrue interest or profits. Any interest accrued and other returns generated (whether before, on or after the Commencement Date) on Card Funds, if any, shall belong to us.

2A.4 In compliance with PSSVFO, upon receiving SVF Deposits (if applicable) and payments representing the value you intend to add to your Octopus (in accordance with Condition 6.1) or your O! ePay Account (in accordance with Condition 8A), as the case may be, we shall deposit all such payments directly into and shall maintain Card Funds respectively relating to Octopus and O! ePay Accounts to and in separate designated bank accounts (“Designated Bank Accounts”) which are specifically opened under our name with reputable licensed bank(s) and financial services company(ies) in Hong Kong and which are designated for solely holding Card Funds relating to Octopus and O! ePay Accounts respectively. We hold the Card Funds deposited in the Designated Bank Accounts as a bare trustee for Client Funds Company absolutely.

2A.5 We shall further maintain Card Funds respectively relating to Octopus and O! ePay Accounts held by us as at the Commencement Date in the relevant Designated Bank Accounts.

2A.6 Subject to Condition 2A.8, we will administer the Card Funds on behalf of Client Funds Company in accordance with these Conditions of Issue and are authorised to deposit and withdraw money into and out of the Designated Bank Accounts in accordance with these Conditions of Issue.

2A.7 In particular, we shall deduct from Card Funds: (a) such sums as are required to meet payments and other transactions

made by holders of Octopus and O! ePay Account Holders, including without limitation payments under Condition 3.3;

(b) any refunds or other payments made or due in accordance with these Conditions of Issue;

(c) any interest accrued or other returns generated on Card Funds; (d) the fees or other costs or amounts which we are allowed to charge

or deduct in accordance with these Conditions of Issues; and (e) any Card Funds forfeited in accordance with Condition 15A.2. For the avoidance of doubt, we shall be entitled to the amounts specified

in Conditions 2A.7(c), (d) and (e) and are authorised to deduct or call for payment of such amounts on such dates as we shall reasonably decide.

2A.8 We shall administer the Card Funds for the purpose of ensuring that there will always be sufficient funds for redemption by you.

2A.9 We will take all reasonable organisational measures to minimise risks of loss or diminution of Card Funds through theft, fraud, misuse, misappropriation, negligence or poor administration.

2A.10 We shall ensure that the bank(s) and financial services company(ies) with which we maintain the Designated Bank Accounts shall have no rights (including without limitation any right of setoff) over Card Funds.

3. General3.1 (a) We offer two types of Octopus:

(i) “On-Loan Octopus” is an Octopus which we lend to you and which we will require you to pay a SVF Deposit. Subject to Condition 12.2, you may return your On-Loan Octopus for a refund; and

(ii) “Sold Octopus” is an Octopus which you can buy from our Authorised Distributors or receive from a third party under Condition 4.1(e). You are not required to pay a SVF Deposit for buying a Sold Octopus but you may not return the Sold Octopus except in the case of malfunction of the Octopus as described

Conditions of Issue of Octopus

in Condition 11 or cancellation as described in Condition 12.3. (b) A bank or financial services company authorised by us may offer

you a “Bank Co-Brand Octopus”. This is a card or product issued by that bank or financial services company with banking and/or payment functionality offered by that bank or financial services company incorporating our stored value facility which can be used for making payments via Octopus payment system. Each Bank Co-Brand Octopus may have separate additional terms and conditions which you should read carefully, and you should confirm that you agree to those additional terms and conditions before use. We do not accept any liability resulting from the terms and conditions issued by the bank or financial services company concerned. A Bank Co-Brand Octopus may be offered with or without any of our additional services (for example, Personalised Octopus service (Condition 14), Automatic Add Value Service (Condition 8), lost Octopus service (Condition 15)). We will, through the issuing bank or financial services company, inform you whether any of these services will be offered on your Bank Co-Brand Octopus. In case you want to return the Bank Co-Brand Octopus, you should return it to the issuing bank or financial services company and not to us, our Authorised Distributor or Authorised Service Centre.

(c) We, together with any Third Party Operator(s), may offer you a co-brand or co-named cross-border card or product (“Cross Border Octopus”), which consists of two or more electronic purses, one of which has our stored value facility which can be used for making payments via Octopus payment system, and the other electronic purse(s) provided and managed by such Third Party Operator(s). Separate additional terms and conditions from the Third Party Operator(s) may apply to the respective electronic purse(s). You should agree to those additional terms and conditions before use. We do not accept any responsibility or liability in relation to or resulting from the terms and conditions issued by the Third Party Operator(s) concerned. We will inform you if your Cross Border Octopus consists of a Sold Octopus (as defined in Condition 3.1(a)(ii)), and whether any of our services (for example, Personalised Octopus service (Condition 14), Automatic Add Value Service (Condition 8), lost Octopus service (Condition 15)) will be offered on your Cross Border Octopus.

(d) A Mobile Network Operator authorised by us may offer you an “Octopus Mobile SIM”. This is a SIM card or product issued by that Mobile Network Operator with mobile telecommunication functionality offered by that Mobile Network Operator incorporating our stored value facility which can be used for making payments via Octopus payment system. Each Octopus Mobile SIM may have separate additional terms and conditions which you should read carefully, and you should agree to those additional terms and conditions before use. We do not accept any responsibility or liability in relation to or resulting from the terms and conditions issued by the Mobile Network Operator concerned. An Octopus Mobile SIM may be offered with or without any of our services (for example, Personalised Octopus service (Condition 14), Automatic Add Value Service (Condition 8), lost Octopus service (Condition 15). We will, through the Mobile Network Operator, inform you whether any of these services will be offered on your Octopus Mobile SIM.

(e) We, together with any Authorised Mobile Payment Service Provider, may offer you a “Smart Octopus” issued: (i) directly through the Authorised Mobile Payment App on mobile

device(s) or through other channels as we may announce from time to time; or

(ii) by way of converting a Converted Octopus through the Authorised Mobile Payment App on mobile device(s) or through other channels as we may announce from time to time;

which can be used for making payments via Octopus payment system. We will require you to pay a SVF Deposit and an issuance fee (“Smart Octopus Issuance Fee”). Separate terms and conditions from the Authorised Mobile Payment Service Provider(s) may apply which you should read carefully, and you should agree to those additional terms and conditions before use. We do not accept any responsibility or liability in relation to or resulting from the terms and conditions issued by the Authorised Mobile Payment Service Provider concerned. A Smart Octopus may be offered with or without any of our services (for example, Personalised Octopus service (Condition 14), Automatic Add Value Service (Condition 8), lost Octopus service (Condition 15). We will, through the Authorised Mobile Payment Service Provider, inform you whether any of these services will be offered on your Smart Octopus.

3.2 We operate the Octopus payment system and the Octopus O! ePay Service and will ensure that the system and the service are operated with reasonable care, skill and diligence. If you discover any discrepancies in the usage of your Octopus or your O! ePay Account, as the case may be, you should contact us (see Condition 23) as soon as possible.

3.3 The funds paid by you for adding value to the Float on your Octopus, whether received by us directly or our Authorised Add Value Service Provider, will be credited to your Octopus and made available for your use in a timely manner according to these Conditions of Issue. The Octopus payment system provides you, if you are a holder of a valid Octopus (see Condition 4.4), with the ability to pay for certain goods and services using the Float where you see the Octopus acceptance logo at one of our Service Providers. The funds paid by you for adding value to the Float in your O! ePay Account, whether received by us directly or our Authorised Partner, and the funds received by you through P2P Payment or fund transfer from Registered Octopus will be credited to your O! ePay Account and made available for your use of the Octopus

O! ePay Service in a timely manner according to these Conditions of Issue. The Octopus O! ePay Service provides you, if you are a genuine O! ePay Account Holder, with the ability to pay for certain goods and services using the Float where you see the acceptance logo of the Octopus O! ePay Service at one of our Authorised Partners.

3.4 Some of the Service Providers may provide you with a service, such as entry to premises, and may not make use of the payment functions of your Octopus.

3.5 A Service Provider or an Authorised Partner can be identified by their clear display of the Octopus or Octopus O! ePay Service acceptance logo, whether online, at physical locations or otherwise. Please contact the Service Provider, the Authorised Partner or us if the Service Provider or the Authorised Partner does not accept your Octopus as payment for their goods/services or your use of the Octopus O! ePay Service, as the case may be.

3.6 The Service Providers and the Authorised Partner, as the case may be, are responsible for all aspects of the goods and/or services they provide to you. In using their services and/or facilities you should abide by their rules, regulations and by-laws. We have no responsibility for the goods and/or services provided by the Service Providers and/or the Authorised Partners and you should direct any enquiries relating to these matters to the relevant Service Provider or the Authorised Partner, as the case may be.

3.7 Under normal circumstances, we will make reasonable efforts to ensure that the Octopus payment system is operating, but we cannot guarantee that a Service Provider will be able to accept an Octopus payment as this depends on the Service Provider’s own systems and operations as well as network, electrical, climatic and other conditions or circumstances which are beyond our control. Under normal circumstances, we will make reasonable efforts to make available the Octopus O! ePay Service, but we make no representations, endorsements or warranties as to the reliability, availability, title, suitability or any kind whatsoever. Further, we cannot guarantee that an Authorised Partner will be able to provide designated services in respect of your O! ePay Account as this depends on the Authorised Partner’s own system and operation as well as network, electrical, climatic and other conditions or circumstances which are beyond our control. Subject to Condition 10.4, we shall not be responsible for any loss or damage whatsoever incurred directly or indirectly by you as a result of or in connection with your use of Octopus service and/or Octopus O! ePay Service.

3.8 We will charge a reasonable fee for any of the Octopus payment service, the Octopus O! ePay Service and other services we provide to you. Any such fees will be published in the Schedule of Fees and Guidelines.

4. Obtaining and Using your Octopus; Applying and Using your Octopus O! ePay Service

4.1 To use our service relating to Octopus, you will need to obtain a valid Octopus from:

(a) one of our Authorised Distributors which will ask you to either buy a Sold Octopus or pay a SVF Deposit for the On-Loan Octopus (see Condition 5.1);

(b) a bank or financial services company authorised by us to issue you with a Bank Co-Brand Octopus;

(c) a Third Party Operator, which may choose to provide you with a Cross Border Octopus;

(d) a Mobile Network Operator which offers you with an Octopus Mobile SIM;

(e) any other third party authorised by us to provide you with a Sold Octopus. In this case, we will treat you as the owner of that Octopus as if you have bought that Sold Octopus;

(f) an existing holder of a valid Octopus, whether that Octopus has been bought by the existing holder or lent by us to the existing holder. In this case, we will treat you, the current holder of such an Octopus, as the new holder and our customer for the purpose of these Conditions of Issue. By using the Octopus, you agree to be bound by these Conditions of Issue. However, the existing holder should not transfer the Octopus to you if the Octopus has been Personalised (see Condition 14) or has a service the terms of which do not allow transfer (such as the Automatic Add Value Service (see Condition 8)); or

(g) an Authorised Mobile Payment Service Provider which offers you with a Smart Octopus.

4.2 We do not own any: (a) Sold Octopus (as described in Conditions 4.1(a), 4.1(e) or 4.1(f)); (b) Bank Co-Brand Octopus (as described in Condition 4.1(b)); (c) Cross Border Octopus (as described in Condition 4.1(c)); (d) Octopus Mobile SIM (as described in Condition 4.1(d)); and (e) Smart Octopus (as described in Condition 4.1(g)); but we will retain the right to manage the software and data loaded on

the Octopus therein.4.3 All On-Loan Octopus will remain our property and we retain the right

to recover from you the On-Loan Octopus, as well as managing the software and data loaded on your On-Loan Octopus, at our sole discretion.

4.4 A “valid Octopus” means a genuine Octopus: (a) which is of a specific fare category for which you are eligible in

accordance with the conditions of issue, rules, regulations and/or by-laws of a particular Service Provider (e.g., child, elder or student status);

(b) which has not been damaged or tampered with; and (c) which you have lawfully obtained.4.5 If there is a positive Float in your Octopus, but the Float is insufficient

for an intended transaction, your Octopus may still be used for such transaction, provided that the resulting negative value (i.e. the

convenience limit) in your Octopus does not exceed a maximum amount as determined and announced by us from time to time. The negative value feature on any Octopus is provided at our option and sole discretion which we will notify you from time to time.

4.6 To use the Octopus O! ePay Service, you will need to register for an O! ePay Account (see Condition 8A).

4.7 If you suspect that your Octopus or your O! ePay Account has been used for unauthorised transactions, please immediately contact us (see Condition 23). We may require that you provide information (including personal data) to support your claim of unauthorised transactions within a reasonable time. Upon confirmation that you have complied with Condition 9.1 and that there are unauthorised transactions in connection with your Octopus or your O! ePay Account, as the case may be, we will refund you the amount involved in such unauthorised transactions. We will charge a reasonable fee (“Unauthorised Use Claim Fee”) for providing this service. Our decision on the investigation is final.

4.8 To protect your interest, we will perform user authentication procedure before effecting a high-risk transaction (“High-risk Transaction”) of your Octopus and/or your O! ePay Account. A High-risk Transaction means a transaction which exceeds the per-transaction limit or aggregate total limit as announced by us from time to time.

5. Paying a SVF Deposit when we lend you an Octopus or when we issue a Smart Octopus to you

5.1 If we issue an On-Loan Octopus to you, the Authorised Distributor will collect a deposit which shall be placed with us for enabling the Octopus to be used (“SVF Deposit”) from you on our behalf, which we will hold as security for your Octopus.

5.2 If we issue a Smart Octopus to you, we will collect the SVF Deposit from you, which we will hold as security for your Octopus.

5.3 The amount of the SVF Deposit we collect from you in respect of an On-Loan Octopus or a Smart Octopus shall be of such reasonable amount as determined and announced by us from time to time to cover the cost of the On-Loan Octopus, the costs we incur in issuing you the Octopus, the costs of maintaining the Octopus payment system for your use and for providing a negative value feature (if applicable).

6. Adding Value to your Octopus and your O! ePay Account6.1 In order to be able to make payments using the Octopus payment

system, you will need to add value to your Octopus by presenting cash or other accepted payment to an Authorised Add Value Service Provider or in the case of your Smart Octopus, by presenting accepted payment through the Authorised Mobile Payment App or if applicable, by way of the Octopus Automatic Add Value Service (see Condition 8) or by such other means as determined and announced by us from time to time. In order to be able to use the Octopus O! ePay Service, you may need to add value to your O! ePay Account by presenting cash or other accepted payment to an Authorised Partner or by such other means as determined and announced by us from time to time. We will charge you a reasonable fee for the provision of the add value services (“Add Value Service Fee”). Authorised Add Value Service Providers and Authorised Partners will only offer to add value to your Octopus and your O! ePay Account, as the case may be, above a minimum amount, in multiples of an amount and/or any amount which will be determined and announced by us from time to time.

6.2 A genuine Authorised Add Value Service Provider or Authorised Partner will not offer you a discount to add value to your Octopus or your O! ePay Account, as the case may be, unless as part of an official promotion authorised by us. You should not attempt to add value if you have any suspicion that the Authorised Add Value Service Provider or the Authorised Partner may not be genuine. We will not honour value that is added to your Octopus or your O! ePay Account by an unauthorised add value service provider or unauthorised partner or through unlawful means.

7. Maximum Amount of Stored Value Your Octopus and your O! ePay Account can store up to a maximum

amount (“Stored Value Limit”) which we may notify you from time to time.

8. Octopus Automatic Add Value Service We, in association with a number of participating banks and financial

services companies, may offer an automatic add value service (“Automatic Add Value Service”) for selective Octopus. You may separately apply for Automatic Add Value Service through one of these banks or financial services companies. In addition, Automatic Add Value Service may be offered for your Bank Co-Brand Octopus. Each Automatic Add Value Service may have separate, additional terms and conditions which you should read carefully, and you should confirm that you agree to these additional terms and conditions before using this service. We do not accept any liability resulting from the terms and conditions issued by the bank or financial services company concerned.

8A. Octopus O! ePay Service8A.1 We offer a network-based stored value service (“Octopus O! ePay

Service”) which shall be subject to certain account and transaction limitations as we may notify you from time to time. We may also offer the Octopus O! ePay Service in association with Authorised Partners, which you may separately apply for through one of such Authorised Partners. Octopus O! ePay Service offered by us in association with Authorised Partners may have separate, additional terms and conditions which you should read carefully, and you should confirm that you agree to those additional terms and conditions before use. We do not accept any liability resulting from the terms and conditions issued by any such

Authorised Partners. 8A.2 To use the Octopus O! ePay Service, you will need to register for an

O! ePay Account as an O! ePay Account Holder through such channels and on such requirements as we may announce from time to time. As an O! ePay Account Holder, you warrant that (a) you have attained the minimum age requirement as we may announce from time to time, (b) you are a holder of valid identification document(s) as we may announce from time to time, (c) any information you provide, including your personal particulars, is accurate, complete and up-to-date, and (d) you shall promptly update the information (including personal particulars) to ensure that any information provided to us is accurate, complete and up-to-date. We will charge you a reasonable fee for the provision of the O! ePay Account (“O! ePay Account Fee”).

8A.3 You understand that once you become an O! ePay Account Holder, your status (including your masked name or display name) showing you as an O! ePay Account Holder (“Status”) may, at your option, be hosted, shared and viewable by other O! ePay Account Holders (including Friends) through the Octopus Mobile App who have your mobile number registered under your O! ePay Account on their mobile devices. You further understand that any message, photo and/or other information (e.g., your Status) (“Content”) is the property of the person from whom such Content is originated. By using the Octopus O! ePay Service, you shall be solely responsible for the upload, posting, dispatch, transmission, sharing or otherwise making available of the Content, whether in whole or in part, through your O! ePay Account and the consequence of uploading, posting, dispatch, transmission, sharing or otherwise making available of the Content. We are not responsible for the confidentiality of the Content or any part thereof. By submitting the Content under the Octopus O! ePay Service, you grant us an irrevocable, non-exclusive, perpetual, worldwide, royalty free, transferrable licence to use, reproduce, distribute and make available the Content under the Octopus O! ePay Service in any and all media and manner, and you warrant that you have the authority to grant the foregoing licence. You also grant each of O! ePay Account Holder access to your Status under the Octopus O! ePay Service and each Friend access to the Content under the Octopus O! ePay Service. In the event we, in our sole and absolute discretion, are of the view that any Content is found to be or is likely to be:

(a) infringing intellectual property or rights of any third party; (b) unlawful, obscene, defamatory, offensive or threatening; (c) containing hostile, discriminating, disturbing message; or (d) inappropriate or insulting to any O! ePay Account Holders, users of

the Octopus O! ePay Service or any third party; in addition to other rights and remedies available, we shall be entitled

to terminate your O! ePay Account immediately without notice. Upon termination of your O! ePay Account, your O! ePay Account cannot be re-activated subsequently.

8A.4 We shall only disclose the Content to satisfy a search warrant or an order by a competent court of law or a relevant regulatory body that we are required to comply with.

8A.5 You can perform P2P Payment with your Friend(s) through the Octopus Mobile App on mobile device(s) or through other channels as we may announce from time to time. Each P2P Payment shall be subject to certain limitations, including without limitation Stored Value Limit, daily transaction limit and annual transaction limit, which we may notify you from time to time. We will charge you a reasonable fee for P2P Payment (“P2P Payment Fee”).

8A.6 You can transfer fund between your O! ePay Account and Registered Octopus through the Octopus Mobile App on mobile device(s) or through other channels as we may announce from time to time. You can add value to your O! ePay Account (see Condition 6) through the Octopus Mobile App on mobile device(s) or through other channels as we may announce from time to time. Fund transfer between your O! ePay Account and Registered Octopus and/or provision of add value service to your O! ePay Account shall be subject to certain limitations, including without limitation Stored Value Limit, daily transaction limit and annual transaction limit, which we may notify you from time to time.

8A.7 You can use the Float in your O! ePay Account to make payment for goods and services offered by our Authorised Partners through the Octopus Mobile App on mobile device(s) or through other channels as we may announce from time to time, which shall be subject to certain limitations, including without limitation daily transaction limit, which we may notify you from time to time.

8A.8 You can transfer fund from your O! ePay Account to your registered bank account maintained with a bank or financial services company through the Octopus Mobile App on mobile device(s) or through other channels as we may announce from time to time. Fund transfer from your O! ePay Account to your registered bank account shall be subject to certain limitations, including without limitation daily transaction limit, which we may notify from time to time. We will charge you a reasonable fee for fund transfer from your O! ePay Account to your registered bank account (“Bank Account Fund Transfer Fee”).

8A.9 In addition to Condition 8A.3, we may, at any time and without incurring any liability whatsoever, immediately suspend or terminate your O! ePay Account at our sole and absolute discretion if:

(a) you have violated or you are about to violate any applicable laws or regulations;

(b) you have committed or you are about to commit a breach of any of these Conditions of Issue;

(c) we are of the opinion that the integrity or security of the Octopus O! ePay Service will be jeopardised or compromised by use of your O! ePay Account; or

(d) this is to comply with an order by a competent court of law, or a governmental or regulatory body, or a stock exchange.

In the event of suspension, we will lift such suspension after we are satisfied that none of the above events occurs or will occur and that the integrity and security of the Octopus O! ePay Service will not be jeopardised or compromised by your use of the Octopus O! ePay Service. Subject to Condition 15A, in the event of termination, we shall, after deducting any amounts including fees outstanding for the Octopus O! ePay Service, arrange for refund of the Float, if any, in your O! ePay Account as recorded in our system. Upon termination of your O! ePay Account, your O! ePay Account cannot be re-activated subsequently.

8A.10 In addition to Conditions 8A.3 and 8A.9, if there are insufficient Float in your O! ePay Account to settle any amounts including fees outstanding for the Octopus O! ePay Service, we shall be entitled to, in addition to other rights and remedies available, terminate your O! ePay Account immediately without notice. Upon termination of your O! ePay Account, your O! ePay Account cannot be re-activated subsequently.

8A.11 You should notify us immediately if your O! ePay Account has been compromised in any way (see Condition 23). You have to bear a loss when your O! ePay Account has been used for an unauthorised transaction before reporting that your O! ePay Account has been compromised.

9. Your Obligations in Using your Octopus and your O! ePay Account9.1 You should take good care of your Octopus with reasonable security

precautions to prevent it from damage or from being tampered with or from unauthorised use. You should take good care of your O! ePay Account with reasonable security precautions to ensure proper and secure use of your O! ePay Account, including your account password protection. We will charge you a reasonable fee as set out in Schedule of Fees and Guidelines to cover the cost of the damage upon return of the On-Loan Octopus to us if it is damaged or altered through delamination, bending, cutting, breaking, graffiti or attachment of materials and/or objects on the Octopus by any means.

9.2 You must not use, or allow anyone to use, your Octopus and/or your O! ePay Account for any illegal purposes.

9.3 You should only present your Octopus when you see the Octopus acceptance logo. You must not present your Octopus at readers that do not show the Octopus acceptance logo as this may cause damage to the Octopus and/or loss to yourself.

9.4 You must not tamper with the Octopus (including without limitation the software and the data recorded on the Octopus) in any way. You must not do anything to exploit or interfere with your O! ePay Account or disrupt other users of the Octopus O! ePay Service and, in particular, you must not use or launch any automated system, including without limitation robots, load testers or spiders to access the O! ePay Account or in the use of the Octopus O! ePay Service. Tampering with the data on your Octopus may be a criminal offence. We shall not honour transactions or refund any Float or the SVF Deposits, if applicable, relating to tampering of your Octopus or exploitation or interference of your O! ePay Account.

9.5 We have the right to recover reasonable costs, expenses, losses and damages suffered or incurred by us as a result of your altering or interfering, or allowing a third party to alter or interfere, with the data on your Octopus and/or your O! ePay Account.

9.6 We will ask you to co-operate with us and, if appropriate, the police, in recovering your Octopus if it is lost or stolen or if we have reasonable grounds to suspect suspicious behaviour or as required by prevailing law. We will ask you to co-operate with us and, if appropriate, the police, in any investigation in respect of your O! ePay Account if it is being tampered with or if we have reasonable grounds to suspect behaviour of such nature or as required by prevailing law.

9.7 Our staff and authorised representatives of our approved Service Providers shall have the right to inspect your Octopus and items incorporating Octopus, including the data in that Octopus, at any reasonable time.

10. Proper Use of your Octopus and your O! ePay Account10.1 You should not carry more than one Octopus or an Octopus with

another contactless smartcard together in close proximity as they may interfere with one another. If you do so, it will be at your own risk. We shall not be responsible for any damage to the Octopus or the electronic devices the functions of which have been affected in connection with the use of your Octopus. We reserve our right not to entertain any request for a refund of an amount that has been deducted incorrectly as a result of your carrying more than one Octopus or an Octopus with another contactless smartcard together in close proximity.

10.2 We shall not be responsible for any personal injury and/or property loss or damage caused as a result of your inappropriate or unauthorised use of your Octopus and/or your O! ePay Account.

10.3 You shall indemnify us against all actions, proceedings, liabilities, claims, loss, damages and reasonable costs and expenses (including all reasonable legal fees) which may be taken against us or which we may suffer, sustain or incur howsoever arising out of or in connection with any inappropriate or unauthorised use of your Octopus or the Octopus O! ePay Service.

10.4 Nothing in these Conditions of Issue shall exclude or restrict our liability for death or personal injury resulting from our negligence, or liability for fraud.

11. Malfunction If your Octopus malfunctions due to no fault of yours and you have not

damaged or tampered with it in any way: (a) you should return your Octopus to our Authorised Service Centre if

you hold an On-Loan Octopus or if you have bought a Sold Octopus from our Authorised Distributors. We will, in the case of an On-Loan Octopus, arrange refund of the Float, if any, stored on such Octopus and a temporary replacement, or, in the case of a Sold Octopus, only arrange a refund of the Float, if any, stored on such Octopus

(see Condition 12.2); or (b) in case you hold a Cross Border Octopus, you should contact

our Authorised Service Centre (or any parties as directed by our Authorised Service Centre) or such other channel(s) as we may announce from time to time. We will only arrange a refund of the Float, if any, stored on such Octopus (see Condition 12.5); or

(c) if you have obtained your Octopus from any other third party as described in Condition 4.1(e), you should contact that third party; or

(d) if you have bought an Octopus with a limited time warranty, you should contact the warranty provider; or

(e) if you have been issued with a Bank Co-Brand Octopus you should contact the issuing bank or financial services company which, under normal circumstances, will issue you with a replacement Bank Co-Brand Octopus. In case there is any positive or negative Float therein, this will be managed by the issuing bank or financial services company; or

(f) if you have been offered with an Octopus Mobile SIM, you should contact us or use our online application or such other channel(s) as we may announce from time to time for cancellation of use of the Octopus in your Octopus Mobile SIM, and we shall arrange a refund of the Float therein, if any. You should also contact the issuing Mobile Network Operator which, under normal circumstances, will offer you with a replacement Octopus Mobile SIM with or without charge; or

(g) if you have been issued with a Smart Octopus and have provided your personal data to us at the time of issuance of your Smart Octopus, you should contact us or use our online application or such other channel(s) as we may announce from time to time for cancellation of your Smart Octopus, and we shall arrange a refund of the SVF Deposit, if applicable, and the Float therein, if any.

12. Return or Cancellation of your Octopus and Cancellation of your O! ePay Account

12.1 This Condition 12 applies subject to Condition 15A.12.2 You may return your Octopus: (a) if it malfunctions, as described in Condition 11; or (b) in case of an On-Loan Octopus, at your option, to an Authorised

Service Centre. When you return your On-Loan Octopus and apply for a refund, the SVF Deposits, if applicable, and the Float therein, if any, will be refunded to you in full except in the following situations when we will deduct a reasonable amount to cover:(i) any negative Float on your On-Loan Octopus;(ii) a handling fee (depending on how long we have lent you that

Octopus) (“Handling Fee”) to cover the costs incurred by us, including those charged by the Authorised Service Centre for providing this return and refund service;

(iii) the cost of repairing any damage to your On-Loan Octopus, if applicable;

(iv) any outstanding payment from the Automatic Add Value Service;(v) the Inactive Octopus Administrative Fee as described in

Condition 13.2, if applicable;(vi) any other amounts including fees outstanding for Octopus services.

12.3 You may return your Sold Octopus for cancellation and we will disable your Sold Octopus and, after deducting any amounts including fees and payment outstanding for Octopus services, refund to you any Float therein. However, we will not refund the cost, if any, of your Sold Octopus to you. If you cancel your Sold Octopus, your Sold Octopus cannot be re-activated subsequently.

12.4 You or the issuing bank or financial services company may request for cancellation of your Bank Co-Brand Octopus as permitted under the cardholder agreement between you and the issuing bank or financial services company and in accordance with the provisions therein. In case of such cancellation, the Float therein, if any, will be refunded to you via the issuing bank or financial services company, subject to provisions of the cardholder agreement between you and the issuing bank or financial services company. However, we will not refund the cost, if any, of your Bank Co-Brand Octopus to you.

12.5 You may return your Cross Border Octopus to our Authorised Service Centre (or any parties as directed by our Authorised Service Centre). Refund of your Cross Border Octopus will be processed in the same manner as that for Sold Octopus pursuant to Condition 12.3 above.

12.6 You may contact us or our Authorised Service Centre (or any parties as directed by our Authorised Service Centre) or use our online application or such other channel(s) as we may announce from time to time for cancellation of use of Octopus in your Octopus Mobile SIM and we will disable the Octopus in your Octopus Mobile SIM and, after deducting any amounts including fees and payment outstanding for Octopus services, refund to you any Float therein. However, we will not refund the cost or any fees, if any, of your Octopus Mobile SIM to you. If you cancel the use of the Octopus in your Octopus Mobile SIM, the Octopus in your Octopus Mobile SIM cannot be re-activated subsequently.

12.6A If you have provided your personal data to us at the time of issuance of your Smart Octopus, you may use the Authorised Mobile Payment App or our online application or such other channel(s) as we may announce from time to time for cancellation of your Smart Octopus and we will disable the Smart Octopus and, after deducting:

(i) any negative Float on your Smart Octopus;(ii) any outstanding payment from the Automatic Add Value Service;(iii) the Inactive Smart Octopus Administrative Fee as described in

Condition 13.4, if applicable;(iv) any other amounts including fees outstanding for Octopus

services; refund to you the SVF Deposit, if applicable, and the Float therein.

However, we will not refund the cost of or any fees associated with

your Smart Octopus to you. If you cancel your Smart Octopus, your Smart Octopus cannot be re-activated subsequently.

12.7 You may apply for cancellation of your O! ePay Account at any time through such channels and in such manner as we may announce from time to time. We shall, after deducting any amounts including fees outstanding for the Octopus O! ePay Service, arrange for refund of the Float therein, if any. Upon cancellation of your O! ePay Account, your O! ePay Account cannot be re-activated subsequently. If any O! ePay Account Holder has become deceased, a personal representative of the deceased O! ePay Account Holder should present proof of death of the deceased O! ePay Account Holder, and proof of identity and capacity of the personal representative, in order to claim a refund of any Float therein. We will charge you a reasonable administrative fee (“O! ePay Account Cancellation Fee”) for cancellation of your O! ePay Account.

12.8 We reserve the right to recover, cancel or terminate, or suspend your Octopus, the Octopus O! ePay Service (including your O! ePay Account) or any of our services at any time without specifying the reasons, but we will take reasonable steps to minimise any inconvenience caused to you. You may be required to present your Octopus for replacement in the manner as may be notified by us. In such case, we will refund to you the SVF Deposits, if applicable, and Float therein, if any.

12.9 Octopus is provided for use in payment and related services, it is not provided as a medium for the exchange or transfer of money. In respect of any of the services provided pursuant to these Conditions of Issue, we reserve the right to request information (including personal data), investigate (for which we will charge a reasonable fee, “Investigation Fee”) and decline at our sole discretion multiple, high value or repeated purchase or refund requests from an individual or organisation.

13. Inactive Octopus13.1 Deactivation of your inactive Octopus Your Octopus has been issued to you for your regular use. If you have

not added value to your Octopus for a period announced by us from time to time, we will, for your own and our protection, deem your Octopus to be no longer in use, and we will deactivate your Octopus. If you want to re-activate your Octopus subsequently, we will charge you a reasonable fee for the re-activation (“Reactivation Fee”).

13.2 Administrative fee on your inactive “Adult” On-Loan Octopus (i) If you hold an “Adult” type of On-Loan Octopus (that is, On-Loan

Adult Octopus other than Personalised Octopus with Student Status or Persons with Disabilities Status, or if you are a Personalised On-Loan Octopus holder aged below 18, or if you are a Personalised On-Loan Octopus holder aged 60 or above) which is issued on or after 1 October 2017 (“Inactive Octopus Administrative Fee Effective Date”) and have not added value to your Octopus or used your Octopus for any payment transaction for such specified period(s) of time as determined and announced by us from time to time (each, an “inactive period”), we will charge you an administrative fee (“Inactive Octopus Administrative Fee”) on your inactive On-Loan Adult Octopus for each inactive period. The Inactive Octopus Administrative Fee shall be deducted from the Float, if any, and the SVF Deposit of your inactive Octopus:

(a) until your inactive Octopus is re-activated; (b) until you return your Octopus as described in Condition 12.2(b); or (c) until the Float and the SVF Deposit are fully depleted, in which

case we shall cancel your Octopus and your Octopus cannot be re-activated subsequently;

whichever is the earliest. 13.3 For the purpose of Condition 13.2: (a) The first inactive period means the later of:

(i) the period of time as specified by us after your last add value transaction or your last payment transaction using your Octopus, whichever is later; or

(ii) the specified period of time immediately after the Inactive Octopus Administrative Fee Effective Date.

(b) Subsequent inactive periods means successive 12-month periods thereafter or such specified period(s) of time as determined and announced by us from time to time.

13.4 Administrative fee on your inactive Smart Octopus If you hold a Smart Octopus and have not added value to your Octopus

or used your Octopus for any payment transaction for such specified period(s) of time as determined and announced by us from time to time (each, an “inactive Smart Octopus period”), we will charge you an administrative fee (“Inactive Smart Octopus Administrative Fee”) on your inactive Smart Octopus for each inactive Smart Octopus period. The Inactive Smart Octopus Administrative Fee shall be deducted from the Float, if any, and the SVF Deposit of your inactive Smart Octopus:

(a) until your inactive Smart Octopus is re-activated; (b) until you cancel your Smart Octopus as described in Condition 11(g)

or Condition12.6(A); or (c) until the Float and the SVF Deposit are fully depleted, in which

case we shall cancel your Smart Octopus and your Smart Octopus cannot be re-activated subsequently;

whichever is the earliest.13.5 For the purpose of Condition 13.4: (a) The first inactive Smart Octopus period means the period of time

as specified by us after your last add value transaction or your last payment transaction using your Smart Octopus, whichever is later;

(b) Subsequent inactive Smart Octopus periods means successive 12-month periods thereafter or such specified period(s) of time as determined and announced by us from time to time.

13.6 Further details are set out in Schedule of Fees and Guidelines, which can be obtained from our website at www.octopus.com.hk.

14. Personalised Octopus Service14.1 If made available by us, you may apply to us to have your identity

associated (“Personalised”) with a particular Octopus. Your personal data will be stored in electronic format, and may or may not be printed, on your Personalised Octopus. We will charge you a reasonable fee (“Personalisation Fee”) for both producing and, if requested, handling the return of your Personalised Octopus.

14.2 A bank or financial services company that offers a Bank Co-Brand Octopus may provide you with our Personalised Octopus service. Any additional fees or charges imposed by the issuing bank or financial services company will be notified to you by relevant issuing bank or financial services company.

14.3 You should notify us promptly in writing of any changes to your name, address, telephone or email address regarding your Personalised Octopus.

14.4 Personalised Octopus enjoys strengthened protection. You should notify us immediately if your Octopus or its security is compromised in any way (see Condition 23). You may have to bear a loss resulting from unauthorised transactions of your compromised Octopus.

14.5 You should not allow your Personalised Octopus to be used by another person. If your Personalised Octopus is found in the possession of a person other than yourself, we and/or the Service Providers on our behalf, shall have the right, but are not obliged, to repossess your Personalised Octopus from such a person.

14.6 If you wish to return your Personalised Octopus to an Authorised Service Centre or such other channel(s) as we may announce from time to time, you should present your Octopus in person, or if the cardholder of that Personalised Octopus has become deceased, a personal representative of the deceased cardholder should present the Personalised Octopus together with proof of death of the deceased cardholder, and proof of identity and capacity of the personal representative, in order to claim a refund of the SVF Deposits, if applicable, and/or any Float as described in Condition 12.

15. Lost Octopus Service15.1 If you are the holder of a Personalised Octopus or user of the Automatic

Add Value Service, you will automatically be provided with our lost Octopus service. This lost Octopus service may not apply to our other services unless it is clearly stated in the terms and conditions of that service.

15.2 If you are provided with our lost Octopus service, you should notify us immediately if your Octopus has been lost or stolen (see Condition 23), except in the case of a Bank Co-Brand Octopus, you should notify the issuing bank or financial services company. We will then cancel and disable your Octopus after a specified period of time (“Lost Octopus Notification Period”), the latest period of which is set out in Schedule of Fees and Guidelines, following receipt of your report. The Lost Octopus Notification Period shall be determined and announced by us from time to time. Once cancellation of your Octopus is effected, it cannot be re-activated subsequently.

15.3 The lost Octopus service described in Condition 15.2 will protect you from the loss of the Float and any value added through the Automatic Add Value Service on your Octopus after the expiry of the Lost Octopus Notification Period. You may have to bear a loss resulting from unauthorised use of your lost Octopus before the expiry of the Lost Octopus Notification Period.

15.4 We will refund you the SVF Deposits, if applicable, and the Float, if any, on your Octopus as recorded in our system at the end of the Lost Octopus Notification Period. We will charge you a reasonable fee (“Lost Octopus Service Fee”) for providing this lost Octopus service, which (a) will be deducted from the refund of the SVF Deposit or Float on your Octopus, if any, or (b) may be payable by you.

15A. Expiry, Refunds and Determination of value on Octopus and in O! ePay Account

15A.1 Any SVF Deposits and/or Float on your Octopus to be refunded to you as described in Condition 12 or Condition 15 will be paid without interest. Any Float in your O! ePay Account to be refunded to you as described in Condition 8A or Condition 12 will be paid without interest. Any interest accrued or other returns generated (whether before, on or after the Commencement Date) on Card Funds, if any, shall belong to us.

15A.2 Any refund of the SVF Deposits and/or Float on your Octopus or Float in your O! ePay Account which remain uncollected for a period announced by us from time to time (“Expiry Date”) will be forfeited without notice and you will have no claim for such amounts whatsoever. We shall be entitled to such SVF Deposits and Float from the end of the Expiry Date.

15A.3 Upon receipt of the refund, you shall be deemed to have accepted the amount thereof as correct and agree to discharge us from any liability whatsoever to you, including without limitation any shortfall or error in the amount of such refund.

15A.4 In determining the SVF Deposits and/or the Float to be refunded to you, the records held by us shall be treated as conclusive evidence of the amount of the SVF Deposits and/or the Float except for any manifest error on our part.

15A.5 We are licensed by the Hong Kong Monetary Authority to provide Octopus service and the Octopus O! ePay Service to you. We provide our services with reasonable care, skills and diligence. In the unlikely event that we exit our business operations, including cases of our insolvency or suspension or revocation of our stored value facility licence, we will follow our business exit plan and directions (if any) of the Hong Kong Monetary Authority.

16. Personal Information Collection Statement relating to you (this “Notice”) in accordance with the Personal Data (Privacy) Ordinance (the “Ordinance”)

16.1 The Ordinance governs the collection, holding, processing and use of your personal data and other information that we may collect from time to time (“Data”). The Data shall include transactional records (meaning the transaction data which we receive (a) from our Octopus readers and/or from other channels in respect of the use of your Octopus and (b) during the operation of the Octopus O! ePay Service and/or from other channels in respect of the use of your O! ePay Account) to the extent that those transactional records are “personal data” under section 2(1) of the Ordinance. This Data is to enable us to provide the Octopus and Octopus O! ePay Service and other related services to you. Further information is set out in our “Privacy Policy” located at www.octopus.com.hk and this Notice is the basis upon which we collect, hold, process and use the Data.

16.2 If you do not provide your personal data to us, we may be unable to provide you with some of our services you request, including without limitation Personalised Octopus service, Automatic Add Value Service, lost Octopus Service, Octopus O! ePay Service, application for cancellation of use of Octopus in your Octopus Mobile SIM, application for cancellation of your O! ePay Account, application for cancellation of your Smart Octopus or transaction records enquiry.

16.3 Purpose: You agree that your Data may be used by us for: (a) processing an application for our services offered to you from time

to time; (b) conducting customer due diligence as required by law, rules,

regulations, codes or guidelines; (c) management, operation and maintenance of the Octopus payment

system, the Octopus O! ePay Service and Card Funds, including audit, and exercising our and your rights under these Conditions of Issue;

(d) designing new or improving existing services provided by us, our subsidiaries and our affiliates (that is, our direct holding company and its subsidiaries);

(e) communication by us to you; (f) investigation of complaints or suspected suspicious transactions

(whether in relation to an Octopus or a Cross Border Octopus or otherwise), and research for service improvement;

(g) prevention or detection of crime; and (h) disclosure as required by law, rules, regulations, codes or guidelines.16.4 Transfer: Your Data will be kept confidential by us, but you agree that

for the purposes set out in Condition 16.3, we may transfer or disclose such Data to the following parties within Hong Kong (except that the parties set out in Conditions 16.4(a), (b) and (c) and owners or service providers of Client Funds Company in (e) below may be located outside Hong Kong):

(a) issuers of Bank Co-Brand Octopus and participating banks and financial services companies for Automatic Add Value Service which owe a duty of confidentiality to us and with which you have selected to register;

(b) Third Party Operator(s) under a duty of confidentiality to us; (c) our agents or contractors under a duty of confidentiality to us who

provide administrative, telecommunications, computer , anti-money laundering and counter terrorist financing intelligence, payment, data processing or other services to us in connection with the operation of our business (such as professional advisors, call centre service providers, debt collection agencies (in the event you owe us any money), courier, gift redemption centres or data entry companies);

(d) our subsidiaries and/or our affiliates which owe a duty of confidentiality to us;

(e) Client Funds Company, its owners and its third party service provider involved in (i) ensuring that Card Funds are handled in accordance with these Conditions of Issue and PSSVFO, and (ii) managing Card Funds in case of our insolvency;

(f) Friend(s) as selected by you; and (g) any law enforcement agencies and/or regulatory bodies for

compliance with applicable laws, rules, regulations, codes and/or guidelines and/or any person or entity to whom we, our subsidiaries and/or affiliates are under a binding obligation to satisfy a legally enforceable demand for disclosure under the requirements of any law, rule, regulation, code and/or guideline and/or order of any competent court of law, law enforcement agencies and/or regulatory bodies, but such disclosure will only be made under proper authority.

16.5 Access: You have the right to: (a) check whether we hold your Data and to have access to that Data; (b) require us to correct any Data which is inaccurate; and (c) ascertain our policies and practices in relation to the Data and to be

informed of the kind of Data held by us.16.6 We will charge you a reasonable fee (“Data Access Fee”) for complying

with any request for access to your Data.16.7 Any Data access request should be made in writing to: The Data Protection Officer Octopus Cards Limited 46/F, Manhattan Place 23 Wang Tai Road Kowloon Bay Kowloon Hong Kong Email: [email protected] Nothing in this Notice shall limit your rights under the Ordinance.

17. Transaction Records17.1 You may enquire about your transaction records in relation to your

Octopus, including Float balance of your Octopus, date and time and amount spent with your Octopus up to such number of most recent transactions and through such channel(s) as we may announce from time to time. For Octopus O! ePay Service, we will provide you with monthly statement about your transaction records in relation to your O! ePay Account and you may request for printed copies of such monthly statement up to such period of time as we may announce from time to time. You must keep yourself promptly informed of all transactions relating to your O! ePay Account, which will involve examining each monthly statement issued by us in respect of your O! ePay Account and notify us of any transaction discrepancies within the specified time period as we may notify you from time to time. We will provide you with the requested information, including printed copies of the monthly statement in respect of your O! ePay Account, within a reasonable time and we will charge a reasonable fee (“Transaction Records Access Fee”) for this service.

17.2 The transaction records of your Octopus and your O! ePay Account will be safely kept by us. Transaction records mean all the transaction data which we receive (a) from our system Octopus readers and/or from other channels in respect of the use of your Octopus, and (b) during the operation of the Octopus O! ePay Service and/or from other channels in respect of your use of the Octopus O! ePay Service. Save as provided in Condition 17.1 above, we will only disclose any of your transaction records to:

(a) the relevant Service Providers or Authorised Mobile Payment Service Provider relating to the use of your Octopus, or Authorised Partners in respect of your O! ePay Account which are under a duty of confidentiality to us;

(b) satisfy a search warrant or an order by a competent court of law or a relevant regulatory body that we are required to comply with;

(c) any other parties which are under a duty of confidentiality to us, in order for us to maintain the normal managements, operation and maintenance of the Octopus payment system or the Octopus O! ePay Service;

(d) any agents, contractors or third party service providers which are under a duty of confidentiality to us and which provide administrative, telecommunications, computer, anti-money laundering and counter terrorist financing intelligence, payment, data processing or other services to us in connection with the operation of our business;

(e) Client Funds Company which is under a duty of confidentiality to us, in order for the Client Funds Company to (i) ensure that Card Funds are handled in accordance with these Conditions of Issue and PSSVFO, and (ii) manage Card Funds in case of our insolvency; or

(f) any other person under a duty of confidentiality to us including our subsidiaries, our affiliates or our business partners for the purposes outlined in Condition 16.

18. New Services We may provide you with new services associated with your Octopus

and/or the Octopus O! ePay Service from time to time, and these new services will be governed by the terms and conditions herein or as amended from time to time for the respective services.

19. Fees and Charges Our fees and charges are available on our website at

www.octopus.com.hk or from our Authorised Distributors or Authorised Partners. For details, please refer to Schedule of Fees and Guidelines, which can be obtained from our website at www.octopus.com.hk. You are advised to check our latest fees and charges from time to time.

20. Changes in these Conditions of Issue20.1 We may amend these Conditions of Issue by publishing a notice

of the change(s) in one Chinese and one English language newspaper and/or on our website at www.octopus.com.hk if such change(s) affect(s) the fees and charges and the liabilities or obligations of existing customers.

20.2 The change(s) shall take effect on a date specified in the notice, which will be no less than 30 days after the date of publishing such notice in the newspapers and/or on our website at www.octopus.com.hk.

20.3 The change(s) will apply to you unless your Octopus is cancelled or your O! ePay Account is cancelled or terminated, as the case may be, before the change(s) take(s) effect.

20.4 A copy of the latest version of these Conditions of Issue will be available on our website at www.octopus.com.hk or from our designated Authorised Distributors and Authorised Partners upon request.

21. Rights of Third Parties These Conditions of Issue shall not create or give rise to, nor shall it

be intended to create or give rise to, any third party rights. No third party shall have any right to enforce or rely on any provision of these Conditions of Issue which does or may confer any right or benefit on any third party, directly or indirectly, expressly or impliedly. The application of any legislation giving rise to or conferring on third parties contractual or other rights (including without limitation the Contracts (Rights of Third Parties) Ordinance) in connection with these Conditions of Issue is hereby expressly excluded. For the avoidance of doubt, nothing in these Conditions of Issue shall affect the rights of any permitted assignee or transferee of these Conditions of Issue.

22. Force Majeure We shall not be in breach of these Conditions of Issue nor liable for

delay in performing, or failure to perform, any of our obligations under

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these Conditions of Issue, if such delay or failure results from events, circumstances or causes beyond our reasonable control, including suspending or revocation of our licence under PSSVFO. In such circumstances the time for performance shall be extended by a period equivalent to the period during which performance of the obligation has been delayed or failed to be performed.

23. Communication with us23.1 Please contact us through such channels as we may announce from time

to time for any question, complaint, request for support and notification of anomalies or incidents in relation to your use of Octopus and Octopus O! ePay Service. For Octopus O! ePay Service, unless stated otherwise, all communications issued by us under these Conditions of Issue shall be sent to you through the Octopus Mobile App or your mobile number registered for SMS (short messaging service) or other electronic means as we may notify you from time to time. We will communicate with you using our foregoing secure contact channels in this Condition 23 or our website at www.octopus.com.hk. Any message alleged to be sent on our behalf to you via any other means is not reliable.

23.2 To protect your interest, if a third party purports to contact us on your behalf, we may request that such third party should provide authorisation support and we may contact you directly for verification.

24. English Version Prevails We have provided a Chinese language translation of these Conditions of

Issue for reference. If there is any inconsistency between the English and Chinese versions, the English version shall prevail.

25. Governing Law and Jurisdiction These Conditions of Issue shall be governed by the laws of Hong Kong.

You and Octopus Cards Limited irrevocably agree that the courts in Hong Kong shall have exclusive jurisdiction to settle any dispute or claim (whether contractual or non-contractual) arising out of or in connection with these Conditions of Issue, its subject matter or formation.