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Data Policy Notice

1. From time to time, it is necessary for the customers to supply the Bank with data in connection with various matters such as the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of banking or other services by the Bank, or the provision of supplies or services to the Bank.

2. Failure to supply such data may result in the Bank being unable to open or continue accounts or establish or continue banking facilities or provide banking or other services.

3. Data relating to the customers are collected or received by the Bank from time to time. Such data may include, but not limited to, data collected from customers in the ordinary course of the continuation of the relationship between the Bank and customers, for example, when customers effect transactions through credit cards issued or serviced by the Bank or generally communicate verbally or in writing with the Bank.

4. The purposes for which the data relating to the customers may be used will vary depending on the nature of the customers' relationship with the Bank, they may include (without limitation) the following :

• Assessing the merits and suitability of the customers as actual or potential applicants for banking / financial services and facilities and/or processing their applications.

• Ensuring ongoing credit worthiness of customers.

• Researching and/or designing financial services or related products for customers' use.

• Marketing financial services or related products.

• Enforcing customers' obligations including without limitation the collection of amounts outstanding from customers.

• Meeting the requirements to make disclosure under the requirements of any law binding on the Bank or any of its branches or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Bank or any of its branches are expected to comply.

• Enabling an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank's rights in respect of the customers to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation.

• Purposes incidental, associated or relating thereto.

5. Under and in accordance with the terms of the Ordinance, any customer has the right:

• To check whether the Bank holds data about him and has access to such data.

• To require the Bank to correct any inaccurate data relating to him.

• To ascertain the Bank's policies and practices in relation to data and to be informed of the kind of personal data held by the Bank.

6. The Bank has the right to charge a reasonable fee for the processing of any data access request.

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