Notice of Changes on terms and conditions relating to Personal Credit Card effective 19 July 2017 (“Effective Date”) Please carefully read the information to ensure you understand how they may affect you.

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• Economy
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使用個人信用卡之相關條款及細則的修訂通 知，由 2017 年 7 月 19 日起生效（「生效日」） 請仔細閱讀內容，以確保您了解有關的變更，及其對您可能造成的影響。 條

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2 OctoberNotice of Change to MOP and HKD Best Lending Rate and Savings Rate, effective 2 October 2018 With effect from 2 OctoberTuesday), The Hongkong and Shanghai Banking Corporation Limited, Macau Branch

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