1. The “Easy Fun Installment Program” (“the Program”) is applicable to all MOP/HKD Credit Cards and Co-branded Credit Cards (including Supplementary Card) (“Eligible Cards”) issued by Banco Comercial de Macau, S.A. (“the Bank”).
2. The Program is applicable to Eligible Transactions made by the Applicant via Eligible Cards. "Eligible Transaction(s)" herein refers to any local or overseas retail transactions carried out with the use of the Eligible Card(s) and other transaction categories, as may be determined by the Bank at its sole and absolute discretion from time to time, posted at the latest Credit Card Statement.  All other non-retail transactions,  including (but without limitation) any credit card installment program, casino chips, gambling nature transactions, balance transfer, cash advance, credit card annual fee, charges, handling fee, interest or financial charges, etc. plus any other transaction defined by the Bank from time to time, are hereby expressly excluded.
3. The minimum application amount (“Application Amount”) of this Program is MOP/HKD1,000.
4. The Program provides 6-month, 12-month and 18-month installment options (“Tenor”).
5. As described in clause (4), and in accordance to the installment tenor, the Bank would charge Credit Cardholders (“Cardholder’’) 0.45%, 0.50% or 0.55% of Handling Fee respectively, or any other rate of monthly handling fee specified under special promotion of the Bank. 
6. The total amount approved by the Program will be the sum of the Application Amount and the Handling Fee (“Installment Amount”). The Installment Amount will then be deducted from the available Credit Card limit. Once approved, the Cardholder is not allowed to make changes to the Application Amount or the Tenor.
7. The Program application has to be submitted at least 5 working days before the Payment Due Date of the latest Credit Card Statement and notification letter will be mailed to Cardholder upon approval. 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. The Program Repayment Amount per installment is calculated by dividing the total Application Amount by the number of months (Tenor) plus the monthly handling fee as defined by the Bank.
9. If the Cardholder fails to settle the statement balance before the Payment Due Date, the outstanding balance of the installment amount will be subject to relevant fees, charges and interests as stipulated under the BCM Credit Card Cardholder Agreement.
10. For early settlement of the outstanding Easy-Fun Installment Amount or ending the Program, the Cardholder should repay the outstanding balance of approved Installment Amount plus a Cancellation Fee of MOP/HKD300. The outstanding Installment Amount and Cancellation Fee will then be debited from Cardholder’s Credit Card account automatically.
11. The Program Application Amount will not be eligible to “Credit Card Bonus Point” scheme.
12. Should the Credit Card limit exceeded for any reason during the application process or before the approval, the Bank has the right to terminate the application and request immediate partial or full repayment to the outstanding balance. .
13. 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.
14. This servicer/product is not targeted at customers in the EU.
15. The Bank reserves the right to amend these terms and conditions without prior notice. In case of any dispute, the Bank reserves the right to make the final decision.
16. If there is any inconsistency between the English and Chinese versions of these terms and conditions, 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 "Easy-Fun" Installment Program as well as relevant terms and conditions.