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1. Foreign Currency Transactions: Section included when there are transactions in currencies other than HKD, showing exchange rates and conversion fees

2. Promotional Rate Information: Included when special interest rates or promotional offers are active on the account

3. Rewards Summary: Section showing points/miles earned when the card has a rewards program

4. Dispute Notice: Included when there are active disputed transactions or to provide information about the dispute process

5. Credit Insurance Information: Included if the customer has enrolled in credit card insurance programs

6. Balance Transfer Details: Section included when there are active balance transfers with special rates

1. Schedule A: Detailed Transaction Breakdown: Comprehensive list of transactions with additional details such as authorization codes and merchant categories

2. Schedule B: Interest Calculation Methodology: Detailed explanation of how interest charges are calculated, including daily periodic rates

3. Schedule C: Fee Schedule: Complete list of all possible fees and charges that may apply to the account

4. Appendix 1: Payment Channel Directory: List of all available payment methods and locations with detailed instructions

5. Appendix 2: Important Terms and Conditions: Summary of key terms and conditions that apply to the credit card account