1. The Cash-In Plan Program (“the Program”) is applicable to all Credit Cards and Co-branded Credit Cards (including Supplementary Card) issued by Banco Comercial de Macau, S.A. (“the Bank”).  
2. The Program minimum cash-in amount is MOP/HKD 3,000 and in multiples of MOP/HKD500. The cash-in amount should not exceed 80% of the total amount of the available credit limit of the Credit Card.  
3. The Program provides 6-month, 12-month and 18-month installment options.  
4. As described in clause (3), in accordance to the repayment period, the Bank would charge Credit Cardholders (“Cardholder”) 0.46%, 0.46% or 0.5% of monthly handling fee respectively, or any other rate of monthly handling fee specified under special promotion of the Bank.  
5. The Program approved cash-in amount will be deducted from the available credit limit of Cardholder’s designated Credit Card. Any application once approved by the Bank is irrevocable and cannot be varied.  
6. The approval process of the application requires 5 days from receipt of request and notification letter will be mailed to cardholder upon approval.  
7. The Bank shall not be liable if the Bank cannot approve the application due to Cardholder cannot provide complete information to confirm the application details.  
8. Cardholder should maintain valid BCM Credit Card with good status. The Bank reserves the right to forfeit the application without prior notice.  
9. The Program repayment amount per installment is calculated by dividing the total cash-in amount by the number of tenors plus the monthly handling fee as defined by the Bank. For early settlement of the outstanding cash-in amount or ending the program, the Bank will charge an Installment Cancellation Fee of MOP/HKD300. Relevant amount and handling fee will then be debited from Cardholder’s Credit Card account automatically.  
10. The Program cash-in amount will not be eligible to “Credit Card Bonus Point” scheme.  
11. The Bank reserves the right to approve or reject the Promotion application without prior notice. All presented application form and relevant document for the Program will not be returned.  
12. The Bank reserves the right to amend these terms and conditions without prior notice.  
13. In case of any dispute, the Bank reserves the right to make the final decision.  
14. If there is any inconsistency between the English version and Chinese version, the Chinese version shall prevail.  

Remark: The application cut-off time is 4:00 p.m. on every business day, application submitted after the cut-off time will be processed on the next business day.

I have read and agreed to all the important issues relating to my application of the "Cash-In Plan" Program as well as relevant terms and conditions.