application form - The Hong Kong Institute of Chartered Secretaries

FeesAnnual Membership FeeCash Advance Handling Fee(or Express Cash Handling Fee)Fees relating to ForeignCurrency TransactionLate Payment FeeOver-the-limit FeeReturned Payment FeePermanent fee waiver3.5% of transaction amount or minimum of HK$1002% of every transaction effected in a currency other than Hong Kongdollar, for both Retail Purchases and Cash Advance (or Express Cash)5% of the minimum payment due (minimum HK$180 andmaximum HK$250)HK$130 per billing cycleHK$120 per returned paymentThis Key Facts Statement on Gold Credit Card is only applicable to Chartered Secretaries American ExpressGold Credit Card, CPA Australia American Express Gold Credit Card, Hong Kong Institute of SurveyorsAmerican Express Gold Credit Card and Hong Kong Securities and Investment Institute American ExpressGold Credit Card.Effective from November 2012*Please refer to the Cardmember Agreement for more information on your Minimum Payment.Note: The English version of this Key Fact Statement shall prevail whenever there is a discrepancy betweenthe English and the Chinese versions.#7_Aff_Gold_G_E_0113page 2 of 7

POSTAGEWILL BEPAID BYLICENSEEBUSINESS REPLY SERVICELICENCE NO.7240American Express International, Inc.Attn: New Accounts (MD), HKROCG.P.O. Box 6569General Post OfficeHong Kong NO POSTAGE STAMPNECESSARY IFPOSTED INHONG KONG

POSTAGEWILL BEPAID BYLICENSEEBUSINESS REPLY SERVICELICENCE NO.7240American Express International, Inc.Attn: New Accounts (MD), HKROCG.P.O. Box 6569General Post OfficeHong Kong NO POSTAGE STAMPNECESSARY IFPOSTED INHONG KONG