HSBC Premier Chinese New Year Lucky Draw Terms and Conditions

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1 These Terms and Conditions govern the HSBC Bank Canada HSBC Premier Chinese New Year Lucky Draw running from 4 February 2013 to 28 February 2013, inclusive (the Lucky Draw ). Please read these Terms and Conditions carefully as they explain how you can enter to win a tablet computer. DEFINITIONS 1. When used in these Terms and Conditions, the phrases set-out below mean the following: (a) (b) Prize means a 16GB tablet computer device of HSBC s choosing. Approximate value: CA$ each. There are a total of 90 prizes (two per Participating Branch) available to be won. Limit of one prize per Lucky Draw winner. HSBC means HSBC Bank Canada. (c) HSBC Subsidiary means HSBC Securities (Canada) Inc. s division HSBC InvestDirect 1, HSBC Investment Funds (Canada) Inc. 2 and/or HSBC Global Asset Management (Canada) Limited. 3 (d) (e) (f) New Money means an investment of CA$ 10, or more in a Qualifying Account (as defined below) during the Promotional Period (as defined below), said funds not having ever been previously invested or otherwise on deposit with HSBC or any of its subsidiaries. Client means a person who is a new or existing HSBC Premier client at the Lucky Draw Closing Date (as defined below). This includes HSBC Retail and HSBC Advance clients who upgrade to HSBC Premier during the Promotional Period. Participating Branches means the HSBC branches listed at the end of these terms and conditions. (g) Promotional Period means from 12:00pm PST on 4 February 2013 to 11:59pm PST on 28 February 2013 (the Lucky Draw Closing Date ), inclusive. (h) Qualifying Account means a new or existing non-registered account with an HSBC Subsidiary opened or held by a Client at a Participating Branch (as listed below) during the Promotional Period. Qualifying Accounts also include investments in non-registered GICs and Term Deposits. 1 HSBC InvestDirect, a division of HSBC Securities (Canada) Inc., is operated separately from HSBC Securities (Canada) Inc. Member Canadian Investor Protection Fund. HSBC Securities (Canada) Inc. is a wholly owned subsidiary of, but is a separate entity from, HSBC Bank Canada. 2 HSBC Investment Funds (Canada) Inc. is a subsidiary of HSBC Bank Canada and is the principal distributor of the HSBC Mutual Funds and HSBC Pooled Funds. HSBC Investment Funds (Canada) Inc. provides its products and services in all provinces of Canada except Prince Edward Island. The products and services of HSBC Investment Funds (Canada) Inc. are not insured or guaranteed by the Canada Deposit Insurance Corporation, HSBC Bank Canada or any other deposit insurer or financial institution. 3 HSBC Global Asset Management (Canada) Limited is a subsidiary of HSBC Bank Canada and provides its products and services in all provinces of Canada except Prince Edward Island. The products and services of HSBC Global Asset Management (Canada) Limited are not insured or guaranteed by the Canada Deposit Insurance Corporation, HSBC Bank Canada or any other deposit insurer or financial institution.

2 QUALIFICATIONS 2. The Lucky Draw is only open to residents of British Columbia, Alberta and Ontario who have reached the age of 19 years or older. Employees of HSBC and any of its subsidiaries and affiliates and advertising agencies (including members of their immediate families) and those with whom they are domiciled are not eligible for this Promotion including the Lucky Draw. 3. New and existing HSBC Premier clients shall be given one (1) ballot for every CA$10,000 of New Money that they invest in a Qualifying Account during the Promotional Period. The ballot will be entered into the Lucky Draw provided that the Client mentions the Lucky Draw at the time that the New Money is deposited into the Qualifying Account. 4. No purchase necessary. Individuals meeting the requirements set-out in section 2 (above) may enter the Lucky Draw by hand delivering an original and handwritten essay to an HSBC representative at one of the Participating Branches listed below. There is a limit of five (5) essays per no purchase entrant during the Promotional Period (regardless of the number of Participating Branches). Mechanical reproductions of essays will not be accepted. No purchase entrants will be provided with one (1) ballot for each handwritten essay received by a Participating Branch up to a maximum of five (5) entries. Essays must be handwritten on a single 8.5 x 11 sheet of paper, contain a minimum of 200 words and answer the question what are the key benefits of HSBC Premier?. Please include your name, mailing address, address and phone number. 5. The Lucky Draw is available only at the Participating Branches during the Promotional Period. OTHER CONDITIONS 6. The Lucky Draw may be amended, extended or cancelled at the sole discretion of HSBC at any time without notice. 7. HSBC reserves the right to refuse or terminate any individual s participation in the Lucky Draw if HSBC or its subsidiaries suspects or discovers that the individual is abusing the proper and intended operation of the Lucky Draw, is violating the present rules or is committing fraud. Furthermore, HSBC reserves the right to refuse or terminate any individual s participation in the Lucky Draw if the New Money investment is determined, in the discretion of HSBC, to be made illegally or for an illegal purpose. 8. Certain of the services offered by HSBC and its subsidiaries may be restricted or unavailable to you if you move to, or are located in, certain jurisdictions within or outside of Canada, due to the local laws of that jurisdiction. Other HSBC Holdings plc subsidiaries may, however, be able to provide similar services and products to you in that jurisdiction. 9. The opening of a Qualifying Account shall remain subject to HSBC s and its subsidiaries account opening requirements applicable to the type of account being opened. 10. Selected entrants will be notified by their Relationship Manager if they have won a Prize on or about 31 March The chances of winning are dependent upon the number of ballots submitted at each of the Participating Branches during the Promotional Period.

3 12. Selected entrants must correctly answer a mathematical skill testing question in the time provided by HSBC prior to being declared a prize winner. 13. Selected entrants will have to take delivery of the Grand Prize at the relevant Participating Branch within five days of HSBC sending a notice that the prize is ready to be picked-up. 14. If any selected entrant is not reached after three phone calls or has not returned a phone message within 48 hours, or if any selected entrant does not respond correctly to the mathematical skill testing question in the time given, or if a selected entrant fails to take delivery of a Prize within five days of HSBC sending a notice that the prize is ready to be picked-up, the selected entrant will be disqualified and an alternate entrant will be drawn from all the remaining ballot entries at the relevant Participating Branch. 15. The Prize must be accepted as offered and no substitution is allowed. The Prize is not transferable or convertible to cash. If a prize winner does not accept a Prize as offered, another entrant will be selected by HSBC. Prizes may not be exactly as described. Neither HSBC nor its affiliates, subsidiaries, sponsors, suppliers or otherwise make any warranty, representation or guarantee, express or implied, in relation to a Prize, including without limitation quality, merchantability or fitness for a particular purpose. 16. Before being declared a winner, the selected entrant will be required to: (a) correctly answer a mathematical skill-testing question without mechanical or other aid; and (b) sign and return within ten (10) business days of notification HSBC s declaration and release form, which (among other things): (i) confirms compliance with these terms and conditions; (ii) acknowledges acceptance of the Prize as awarded; (iii) releases HSBC and the Participating Branches and each of their respective officers, directors, agents, representatives, successors and assigns (collectively, the Releasees ) from any and all liability in connection with this Promotion, the selected entrant s participation therein and/or the awarding and use/misuse of the Prize or any portion thereof; and (iv) agrees to the publication, reproduction and/or other use of the selected entrant s name, address, voice, statements about the Promotion, Essay(s) and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by HSBC or on its behalf in any manner whatsoever, including print, broadcast or the internet. If the selected entrant: (a) fails to correctly answer the skill-testing question; and/or (b) fails to return the properly executed release within the specified time, then he/she will forfeit the Prize and HSBC reserves the right, in its sole discretion, to randomly select an alternate eligible entrant from among the remaining eligible ballots. 17. By participating in this Lucky Draw, entrants agree unconditionally to these Lucky Draw Terms and Conditions. Entrants further agree to be bound by the decisions of HSBC regarding these Terms and Conditions or in any way relating to this Lucky Draw, as may be determined by HSBC in its sole discretion, which decisions will be final and binding in all respects. 18. The Lucky Draw is subject to all applicable laws and regulations. 19. By entering the Lucky Draw, each entrant expressly consents to HSBC and the applicable Participating Branch, its agents and/or representatives, storing, sharing and using the personal information submitted with his/her essay(s) or otherwise provided in order to enter the Promotion only for the purpose of administering the Promotion and in accordance with HSBC and HSBC s privacy policy (available at: unless the entrant otherwise agrees.

4 If you have questions about the Contest, please contact an HSBC representative at a Participating Branch. PARTICIPATING BRANCHES GREATER VANCOUVER AREA 1. Abbotsford South Fraser Way, Abbotsford BC V2T 1X3 2. Aberdeen Centre Hazelbridge Way, Richmond BC V6X 4J7 3. Brentwood - Unit #3, 4447 Lougheed Hwy, Burnaby BC V5C 3Z2 4. Cambie and 42 nd Cambie St. Vancouver BC V5Z 3A8* 5. Fortuna House No. 3 Rd., Richmond BC V6Y 2B3* 6. Fraser and 48 th Fraser St., Vancouver BC V5W 3A3 7. Granville and 41 st Granville St., Vancouver BC V6M 3C5 8. Granville and 65 th Granville St., Vancouver BC V6P 4Z4 9. Kerrisdale West 41st Ave., Vancouver BC V6M 1Z1 10. Kingsway and Royal Oak Kingsway, Burnaby BC V5H 2E9 11. Kingsway and Wessex Kingsway, Vancouver BC V5R 5L2 12. Kingsway and Willingdon Kingsway, Burnaby BC V5H 2A9* 13. Mandarin Centre No 3 Rd., Richmond BC V6X 3V7* 14. No. 3 and Park No. 3 Rd., Richmond BC V6Y 2C4 15. Wayfoong House Main St., Vancouver BC V6A 2V3* 16. Port Coquitlam Lougheed Highway, Port Coquitlam, BC V3B 5Y9 17. Vancouver Main 885 West Georgia Street Vancouver, BC V6C3G1 18. Yaletown 1196 Pacific Boulevard Vancouver, BC V6Z2X7 19. Point Grey 4480 West 10th Avenue Vancouver, BC V6R2H9 GREATER TORONTO AREA 1. Market Village Steeles Ave. East, Markham ON L3R 9V* 2. Milliken Square - 15 Milliken Blvd., Scarborough ON M1V 1V3* 3. Oriental Centre Sheppard Ave. East, Scarborough ON M1S 1V2* 4. Peachtree Centre - B Kennedy Rd., Unionville ON L3R 0W4 5. Richmond Hill - # Highway 7 East, Richmond Hill ON L4B 3P8* 6. Spadina Spadina Ave., Unit N-101, Toronto ON M5T 3A2 7. Willowdale Victoria Park Ave. Willowdale ON M2H 3B2* 8. Mississauga Chinese Centre - Unit B Dundas Street E Mississauga, ON L4Y4G6 9. Mississauga The Chase - Unit #18, 1675 The Chase Mississauga, ON L5M 5Y7 10. Markham, Mandarin Centre Unit 133, 3636 Steeles Avenue Markham, ON L3R1K9 11. Bayview and Major Mackenzie 1070 Major Mackenzie Drive East Unit J. Richmond Hill, Ontario L4S1P3 12. Markham, Liberty Square Highway #7 East Markham, ON L3R0M3 13. Markham South 6025 Steeles Ave. East, Toronto, Ontario M1V 5P7 14. Markham Boxgrove 100 Copper Creek Drive Markham, Ontario L6B 0P2 15. Yonge and Clark 7398 Yonge Street Unit 37D Vaughan, ON Canada L4J8J2 16. North York 5160 Yonge Street, Unit G8, North York, Toronto, ON M2N 6L9-17. Yorkmill and Bayview - Unit 100, 300 York Mills Road Toronto, ON Canada M2L2Y5 18. Mississauga City Centre 4550 Hurontario Street, Mississauga, ON L5R 4E4-

5 OTHER ONTARIO 1. Ottawa Queen Street Ottawa, ON K1P0A1 2. Kanata March Rd Gatewy Bus Pk Kanata, ON K2K2E3 ALBERTA 1. Calgary Opulence Centre Branch - #212, 111 3rd Avenue S.E. Calgary, AB T2G0B7 2. Edmonton Pacific Rim Mall Branch - Suite Avenue NW Edmonton, AB T5H4J1 3. Harvest Hills Harvest Hills Boulevard N.E. Calgary, AB T3K 0B3 4. Windermere Windermere Boulevard NW Edmonton, AB T6W 0L9 5. Calgary Crowfoot 95 Crowfoot Centre N.W. Calgary, AB Canada T3G2L5 6. Edmonton South 4112 Calgary Trail S South Edmonton, AB Canada T6J6Y6

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