I/We declare that all data and information stated by myself/ourselves in this application is true, accurate and complete and I/We have obtained the prior consent of the referee(s) for their information to be provided and used in relation to this application. I/We also declare that I/We have no intention to submit bankruptcy petition in the coming 12 months. I/We understand that I/We may contact Sun Hung Kai Credit Limited ( "the Company" ) to obtain the address of the credit reference agency so as to access for a credit report if I/We shall consider it necessary.

I/We further agree and authorize the Company to:

• disclose, exchange all data and information contained herein together with particulars of my/our account(s) with the Company to any credit bureaus or agencies, banks, financial institutions, debt collection agencies or any other information sources for consideration of this application;

• access my/our credit data held by the credit reference agency and to obtain a credit report for consideration of this application and/or for further account review which include but not limited to my/our further loan application with the Company through telephone, internet, fax or whatever channels acceptable to the Company. I/We understand and agree that the Company may conduct such reviews to determine if my/our existing credit/loan amount should be increased or decreased or remained unchanged;

• approve or decline my/our application at its absolute discretion without stating any reasons and without returning to me/us the copies of supportive documents for this application;

• deposit any sum of the loan proceeds to my/our designated bank account previously identified to you at time of application (if any) for loan disbursement;

• collect all data that are required to support this application and I/We have been advised of my/our right to access, update or amend such data and information held by the Company or credit reference agency;

• use the information provided above for marketing and product development purposes including but not limited to the exchange of information with any selected business partners; and

• provide me from time to time with the marketing and product information from the Company through direct contact with me and/or access through any electronic means including but not limited to use of telephone calls, email, fax, SMS/MMS, pre-recorded voice/video messages.

I/We confirm to the following terms and conditions for loan application:
I/We understand that I/We have to make the inquiry for the related loan application in person at the Company's loan branch if: