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:

1. 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;

2. 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;

3. 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;

4. 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;

5. 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;

6. 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

7. 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:

(a)	I/We have entered into or signed any agreement with any person or company (“third party”) for or in relation to the procuring, negotiation, obtaining or application of the loan, guaranteeing or securing the repayment of the loan (other than an agreement with solicitors instructed by the intending borrower for the provision of legal services solely).
(b)	I/We have been or will be charged, recovered, demanded or received any fees, charges, reward or consideration by any third party.