1. The promotional period is from 26 September 2017 to 31 December 2017, both dates inclusive (the Promotional Period ).

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1 2017 HSBC Business Mastercard Rewards Offer Promotional Terms and Conditions Eligibility 1. The promotional period is from 26 September 2017 to 31 December 2017, both dates inclusive (the Promotional Period ). 2. This Promotion applies to companies or business enterprises (each a Company ) that have successfully applied for the HSBC Business Mastercard(s) issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (the Bank ) for their nominated cardholder(s) ( Eligible Cardholder(s) ) within the Promotional Period. This Promotion is not applicable to applicants for personal credit card, Visa Business Card, RMB Business Card, Corporate Card and Purchasing Card. 3. The terms and conditions of (i) the Company and the Cardholder s HSBC Business Card Programme Agreement and (ii) the HSBC Business Card Rewards Programme will continue to apply. This Promotion is subject to these terms and conditions. 4. If a Company applies for a Business Mastercard for a cardholder during the Promotional Period, but has, in the six months immediately before the said application, cancelled any VISA/Mastercard branded Business Card or Corporate Card or Purchasing Card issued by the Bank for that same cardholder, the cardholder is not entitled to the offers under the Promotion. 5. If a Company applies for a Business Mastercard for a cardholder during the Promotional Period and this cardholder is, at the time of application, already holding a valid VISA/Mastercard branded Business Card, Corporate Card or Purchasing Card issued by the Bank at the request of the same Company ( Existing Card ), the cardholder is not entitled to the offers under the Promotion. This exclusion from the Promotion applies also if the Company makes an application to convert the Existing Card to a new Business Mastercard for the same cardholder. 6. Employees of the Bank are not eligible to participate in this Promotion. Welcome Offer 7. Each Eligible Cardholder who fulfills the relevant minimum spending requirements ( Spending Requirements ) set out in the table below using the new Business Mastercard within the first three months from the issue date of the card collection advice will be entitled to one of the following reward offers ( Welcome Offer(s) ): Spending Requirement Welcome Offer Tier 1 HK$15,000 to less than HK$40,000 OSIM ujolly back massager (observed retail price: HK$2,380) Tier 2 HK$40,000 or more Dyson Pure Hot + Cool Link TM (iron blue) (observed retail price: HK$6,480) 8. Each Company which applies for Business Mastercard(s) under the Promotion must successfully complete an online registration via on or before 31 January 2018 ( Registration ) to be entitled to the Welcome Offers referred to in clause 7. Registration can be done by or in respect of any one of the Eligible Cardholders. By registering one new Business Mastercard, the other Eligible Cardholder(s) under the same Company account will be automatically registered.

2 9. Only posted local and overseas transactions (with original sales slips) and cash advances effected with the new Business Mastercard issued within the Promotional Period are eligible for calculation towards the Spending Requirements ( Eligible Transaction(s) ). Other transactions, including without limitation, online bill payments, tax payments, autopay, recurring transactions, instalment plans, all fees and charges, insurance payments, casino transactions, cancelled/refunded transactions and all transactions without original sales slips such as online purchases, telephone orders, fax orders and mail orders are not eligible for the Promotion. 10. A redemption letter ( Redemption Letter ) will be sent to an Eligible Cardholder's local correspondence address maintained in the Bank's record at the time of mailing by local mail (overseas address will not be covered) on or before 30 June The Eligible Cardholder must bring the original Redemption Letter and the Business Mastercard as specified in the Redemption Letter to redeem the Welcome Offer at the Bank s designated redemption centre before the redemption deadline specified on the Redemption Letter. Redemption details, including the redemption method, redemption centre address and redemption deadline, will be set out in the Redemption Letter. 11. The Welcome Offers are only available while stocks last. The Bank reserves the right to replace the Welcome Offers with other item(s) or $1,500 RewardCash for OSIM ujolly and $4,000 RewardCash for Dyson Pure Hot + Cool Link TM (iron blue), without further notice. In the event of overwhelming responses of this Promotion, Eligible Cardholders may experience some delay in receiving the Welcome Offers. In such case, the Bank will notify the affected cardholder of the relevant arrangements. 12. The photos, product descriptions, and the observed retail prices of the Welcome Offers are provided by the relevant manufacturers and are for reference only. The Bank is not responsible for setting these reference prices or for any difference between the observed retail prices and any actual retail price available in the market. Additional Online Application Reward - $100 RewardCash 13. Companies and their Eligible Cardholders who submit the HSBC Business Mastercard application form through HSBC website ( during the Promotional Period with successful approval will be entitled to receive $100 RewardCash ( Additional Online Application Reward ).The Additional Online Application Reward will be credited to the Eligible Cardholder s newly approved Eligible Credit Card account on or before 30 June Terms and conditions of the RewardCash Programme apply. Eligible Cardholders are entitled to a maximum of $100 RewardCash under the Additional Online Application Reward. General 14. The Bank will determine the eligibility of the Company(ies) and the cardholder(s) for the Welcome Offers based on the transaction records held with the Bank. The completion of Registration does not imply that the Welcome Offers will be awarded. 15. Only Eligible Cardholders and Companies whose Business Mastercard(s) accounts are valid and in good standing during the entire Promotional Period and the fulfilment period will be eligible for the Welcome Offers and/or the Additional Online Application Reward (as applicable). 16. Any fraud and/or abuse of any offer under this promotion or cancellation of a Business Mastercard issued under the Promotion on or before 31 December 2018 will result in forfeiture of the Company and

3 the Eligible Cardholder s entitlement to the offer. The Bank reserves the right to debit an administrative cost of HK$1,000 to the respective Business Mastercard account without prior notice. 17. Where any Welcome Offer has been redeemed by an Eligible Cardholder and there is a subsequent reversal of any transaction(s) which has or have been used to determine the offer, the relevant Eligible Cardholder and/or the Company is required to return the relevant value of the offer to the Bank. The Bank reserves the right to deduct an amount equivalent to the value of any Welcome Offer(s) awarded to the cardholder directly from the Business Mastercard account without prior notice to either the cardholder or the Company. 18. In case of disputes arising out of this Promotion, the decision of the Bank shall be final and conclusive. 19. The Bank reserves the right to suspend and/or terminate granting any offer under this Promotion, and/or vary these terms and conditions at any time without prior notice. The Bank accepts no liability for any such change or suspension/termination. 20. No person other than the Bank, the Cardholder and (if the Company has registered for the Consolidated Rewards Options) the Company will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these promotional terms and conditions. 21. In case of discrepancies between the English and Chinese versions of these terms and conditions, the English version shall prevail. 22. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region ( Hong Kong ). Each of the Bank, the Company and the Eligible Cardholder submits to the non-exclusive jurisdiction of the courts of Hong Kong but these terms and conditions may be enforced in the courts of any competent jurisdiction. Reminder: To borrow or not to borrow? Only borrow if you can repay! Issued by The Hongkong and Shanghai Banking Corporation Limited Y7-E0-PCCA0202-SEP08

4 2017 Mastercard 奬 奬

5 奬 奬 奬 奬

6 提示 : 借定唔借? 還得到先好借! Issued by The Hongkong and Shanghai Banking Corporation Limited Y7-E0-PCCA0202-SEP08