Terms and conditions. (A) HSBC Advance Welcome Rewards ("Promotion") Promotional Terms and Conditions. Close window

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1 Close window Terms and conditions (A) HSBC Advance Welcome Rewards ("Promotion") Promotional Terms and Conditions (B) HSBC Advance Referral Programme General Terms and Conditions (C) Terms and Conditions for the HSBC Credit Card Sign Up Promotion (1 July to 30 September 2018) (D) HSBC's Personal Loan Interest Rate Promotion / HSBC's Personal Loan Cash Back Promotion / HSBC's Personal Loan Processing Fee Waiver Promotion (E) HSBC Step Up Bonus Interest Promotion ("Promotion") Terms and Conditions For Existing Accounts (F) HSBC Step Up Bonus Interest Promotion ("Promotion") Terms and Conditions For New Accounts (G) HSBC August 2018 SGD Advance Time Deposit Promotion ("Promotion") Promotional Terms and Conditions (H) HSBC August 2018 USD Advance Time Deposit Promotion ("Promotion") Promotional Terms and Conditions (A) HSBC Advance Welcome Rewards ("Promotion") Promotional Terms and Conditions 1. This Promotion is valid from 1 July 2018 to 31 December 2018 both dates inclusive ("Promotional Period"). 2. This Promotion is offered by HSBC Bank (Singapore) Limited ("HSBC" or the "Bank") exclusively to new HSBC Advance customers ("Eligible Customers"). HSBC Advance Welcome Reward Offer 3. This Promotion is only applicable to the first 2000 Eligible Customers who: a. successfully sign up for a new HSBC Advance account (the "HSBC Advance Account") with the Bank during the Promotional Period and maintain the HSBC Advance Account in good standing during the Promotional Period and at the time of fulfilment of the Welcome Reward (defined below); and b. satisfy these Promotional Terms and Conditions, (each such Eligible Customer, a "Qualifying Eligible Customer"). 4. Existing HSBC customers who have (a) an existing HSBC Advance / Premier relationship (either in his/her own name or jointly with another person) as at the commencement date of this Promotion; or (b) terminated their HSBC Advance / Premier relationship in the past 12 months prior to (and inclusive of) the month the Promotional Period commences, do not qualify for this Promotion. 5. To qualify for the Welcome Reward, an Eligible Customer must submit to the Bank a duly completed HSBC Advance Welcome Rewards Customer Participation Form (available at any of its branches in Singapore or by entering details at and satisfy the following criteria: a. i. Enrol in HSBC Advance by satisfying the Total Relationship Balance ("TRB") eligibility criteria. This can be done by placing and/or purchasing (as the case may be) a minimum of S$30,000 in (I) deposits (excluding time deposit placements referred to in Clause 7) in a HSBC Singapore deposit (current / savings) account and/or (II) investments and/or insurance (with a cash / surrender value of minimum S$30,000) with the Bank using fresh funds during the Promotional Period ("Minimum Fresh Funds"). The Minimum Fresh Funds must be maintained with the Bank for at least 90 consecutive days from the date such funds are fully deposited (the "Maintenance Period"); OR ii. Enrol in HSBC Advance through salary crediting of at least S$3,500 every month in a single transaction directly from the employer into a single HSBC Singapore deposit account for at least 2 consecutive calendar months; OR iii. Enrol in HSBC Advance through recurring deposits of at least S$2,500 every month in a single transaction into a single HSBC Singapore deposit account for at least 2 consecutive calendar months; AND b. Sign up for Personal Internet Banking ("PIB"). For the avoidance of doubt, the salary crediting criteria referred to in Clause 5(a)(ii) and the recurring deposit crediting criteria referred to in Clause 5(a)(iii) must be fulfilled via the same current or savings deposit account (as the case may be). 6. For purposes of this Promotion, "fresh funds" means a deposit of funds from, or purchase of investment or insurance using funds from, outside of HSBC. Transfers from existing HSBC bank deposit accounts or via HSBC cheques, cashier's orders or demand drafts do not qualify and would not be considered as fresh funds. 7. Customers who placed fresh funds under existing time deposit promotions or preferential rates offered by the Bank will not qualify for this Promotion. 8. The minimum TRB funding criteria referred to in Clause 5(a)(i) shall commence within the calendar month following the month of HSBC Advance sign-up, and shall be fulfilled in accordance with the relevant date(s) set out under Clause 10(a). The salary crediting criteria referred to in Clause 5(a)(ii) or the recurring deposit crediting criteria referred to in Clause 5(a)(iii) above shall commence within the two calendar months following the month of HSBC Advance sign-up, and shall be fulfilled in accordance with the relevant date(s) set out under Clause 10(b). 9. Each Qualifying Eligible Customer will receive S$80 worth of cash credits ("Welcome Reward") which will be directly credited into his/her HSBC Advance account (or if there is no such HSBC Advance Account, any other current / savings account held by the Qualifying Eligible Customer with the Bank, as may be decided by the Bank). In addition, each of the first 500 Qualifying Eligible Customers who (a) is an employee of any of the Bank's Employee Banking Solutions (EBS) partner companies, and (b) has opened a new HSBC Advance account through the Bank's staff at an EBS event (each, an "EBS Eligible Customer"), will receive S$20 worth of cash credits ("Additional Welcome Reward") in addition to the Welcome Reward (i.e. each EBS Eligible Customer would be eligible to receive S$100 worth of cash credits (inclusive of the Welcome Reward) in total). 10. A notification letter in respect of the Welcome Reward and/or the Additional Welcome Reward (where applicable) ("Notification Letter") will be sent to the address

2 of each relevant Qualifying Eligible Customer, as per the Bank's records. a. Qualifying Eligible Customers who fulfill the relevant eligibility criteria under Clause 5(a)(i) will receive the Welcome Reward and/or the Additional Welcome Reward (where applicable) and the Notification Letter by the following dates or such later date(s) as may be notified by the Bank: Open HSBC Advance Account and place fresh funds by Maintenance Period to end by Welcome Reward and/or Additional Welcome Reward (where applicable) to be credited by Notification Letter to be sent by 31 Jul Oct Nov Nov Aug Nov Dec Dec Sep Dec Jan Jan Oct Jan Feb Feb Nov Feb Mar Mar Dec Mar Apr Apr 2019 b. Qualifying Eligible Customers who fulfill the relevant eligibility criteria under Clause 5(a)(ii) or 5(a)(iii) will receive the Welcome Reward and/or the Additional Welcome Reward (where applicable) and the Notification Letter by the following dates or such later date(s) as may be notified by the Bank: HSBC Advance Account to be opened by Date by which 2 consecutive months of salary / recurring deposit crediting has to be completed Welcome Reward and/or Additional Welcome Reward (where applicable) to be credited by Notification Letter to be sent by 31 Jul Oct Nov Nov Aug Nov Dec Dec Sep Dec Jan Jan Oct Jan Feb Feb Nov Feb Mar Mar Dec Mar Apr Apr Each Qualifying Eligible Customer is only entitled to receive one Welcome Reward regardless of the number of criteria fulfilled under Clause 5, and each EBS Eligible Customer is only entitled to receive one Additional Welcome Reward. For the avoidance of doubt, joint account holders to a HSBC Advance relationship will be considered as one Eligible Customer. For Eligible Customers who open two or more HSBC Advance Accounts during the Promotional Period, only one Advance relationship will be eligible for the Welcome Reward and/or the Additional Welcome Reward (where applicable) under this Promotion. 12. The Bank may levy an administrative charge, equivalent to the value of the Welcome Reward and/or the Additional Welcome Reward (where applicable) if the HSBC Advance Account with the Bank is closed within six (6) months of the date on which it is opened. General Terms and Conditions 13. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal/individual accounts are eligible for the Promotion. Terms and conditions governing personal deposit accounts, HSBC Advance and the relevant products (collectively, the "Account Terms") will apply. In the event of any conflict or inconsistency between these Promotional Terms and Conditions and the Account Terms in respect of this Promotion, these Promotional Terms and Conditions shall apply to the extent of the conflict or inconsistency. Please visit for details of the Account Terms. 14. HSBC reserves the right to replace the Welcome Reward and/or the Additional Welcome Reward with other item(s) of similar value without prior notice. 15. All exchange transactions shall be effected at the Bank's prevailing exchange rate. Where the Bank is unable to provide a firm exchange rate quotation, the Bank shall effect the transaction on the basis of a provisional exchange rate which shall be subject to adjustment when the actual exchange rate is ascertained and any resultant difference shall be debited/credited (as the case may be) to you through the originating account or any account you have with the Bank or by such other means as determined by the Bank. There may be a gain or loss when you convert foreign currency. Eligible Customers are advised to make independent judgment with respect to any matter contained herein. For the avoidance of doubt, the Bank shall not be liable for any delay in effecting such conversion, instructions or transactions. 16. The Bank may, at its discretion, revise any of these Promotional Terms and Conditions, including but not limited to varying the Promotional Period, or withdraw this Promotion at any time without prior notice or assuming any liability to any customer. 17. These Promotional Terms and Conditions are governed by the laws of the Republic of Singapore and the parties submit to the non-exclusive jurisdiction of the courts of Singapore. Deposit Insurance Scheme Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The specific investment objectives, personal situation and particular needs of any person have not been taken into consideration. You should therefore not rely on it as investment advice. You may wish to seek advice from a financial consultant before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial consultant, you should consider whether the product in question is suitable for you. Buying the life insurance policy is a long term commitment. An early termination of the policy incurs high cost

3 and the surrender value payable may be less than the total premiums paid. (B) HSBC Advance Referral Programme General Terms and Conditions Programme Period 1. The HSBC Advance Referral Programme ("Programme") is offered by HSBC Bank (Singapore) Limited ("HSBC" or the "Bank") and is open to existing HSBC Advance and HSBC Premier customers (each, a "referrer") residing in Singapore who successfully refer a new customer residing in Singapore ("referee") to start a HSBC Advance relationship in Singapore between 1 July 2018 to 31 December 2018 ("Programme Period"), both dates inclusive. The referrers of the first 100 successful referrals will, subject to the terms and conditions hereunder, receive a Gift (as defined below). Eligibility 2. To qualify for HSBC Advance and this Programme, the referee needs to be at least 18 years old and should fulfill any of the following eligibility criteria: a. Enrol in HSBC Advance by satisfying the Total Relationship Balance ("TRB") eligibility criteria. This can be done by placing and/or purchasing (as the case may be) a minimum of S$30,000 in (a) deposits (excluding time deposit placements referred to in Clause 19) in a HSBC Singapore deposit (current / savings) account and/or (b) investments and/or insurance (with cash / surrender value of minimum S$30,000) with the Bank using fresh funds ("Minimum Fresh Funds"). The Minimum Fresh Funds must be maintained with the Bank for at least the relevant period stated in Clause 15 ("Maintenance Period"); OR b. Enrol in HSBC Advance through salary crediting of at least S$3,500 every calendar month in a single transaction directly from the employer into a single HSBC Singapore deposit account for at least 2 consecutive calendar months; OR c. Enrol in HSBC Advance through recurring deposits of at least S$2,500 every calendar month in a single transaction into a single HSBC Singapore deposit account for at least 2 consecutive calendar months. AND Sign up for Personal Internet Banking ("PIB"). For the avoidance of doubt, the salary crediting criteria referred to in Clause 2(b) and the recurring deposit crediting criteria referred to in Clause 2(c) must be fulfilled via the same current or savings deposit account (as the case may be). 3. The funding of TRB or other eligibility criteria set out in Clause 2 must be met by the relevant dates set out in Clause 15. The funding must be made with fresh funds only, using non-hsbc cheque(s), cashier's order(s) and/or demand drafts. Transfers from existing HSBC bank deposit accounts or via HSBC cheques, cashier's orders or demand drafts are not permitted. 4. For customers who open new HSBC Advance joint accounts within the Programme Period where any one of the joint accountholders is an existing HSBC Advance or HSBC Premier customer, such customers will not qualify as a referee under this Programme. 5. For the avoidance of doubt, this Programme will not be applicable to referrers who refer any referee who has closed and re-opened any sole or joint HSBC Premier or Advance account(s) during the twelve months prior to the date of commencement of this Programme. This Programme is also not applicable if the referrer and/or the referee does not reside in Singapore. 6. Multiple referees who sign up for HSBC Advance in a joint relationship will only be considered as one successful referral under this Programme. 7. For a referrer to qualify for this Programme and the Gift, the referee who starts a HSBC Advance relationship via this Programme must (a) meet the stipulated minimum eligibility criteria set out in Clause 2 by the relevant dates stipulated in Clause 15; and (b) maintain the HSBC Advance relationship (i.e. no termination of such HSBC Advance account) for at least six (6) months from the month of sign-up, failing which Clause 18 will apply. 8. For a referrer to qualify for this Programme and the Gift, the date of referral must not be later than the date of account opening by the referee. 9. Eligible referrers whose referees are within the first 100 successful referrals hereunder will receive one Gift per referral, subject to a maximum of 5 Gifts per eligible referrer (regardless of the number of referrals). 10. Referrers cannot refer themselves for this Programme, or be part of the referred relationship. 11. If two or more referrers refer the same referee to the Bank and that referee starts a HSBC Advance relationship during the Programme Period, only the eligible referrer who first submits a duly completed referral form to HSBC will be entitled to receive the Gift. 12. Staff of the Bank will not be eligible to participate in this Programme as a referrer or referee. 13. Each referrer must declare that consent has been obtained from the referee to disclose his/her contact details to HSBC, and HSBC may contact the referee to offer banking services and products. Gift 14. Subject to Clause 9, referrers who have satisfied the terms and conditions of this Programme ("Qualified Referrer") will be entitled to the following reward "Gift" per successful referral: Gift: S$50 cash, which will be directly credited into the eligible referrer's HSBC Advance or Premier account held with the Bank (or if there is no such HSBC Advance or Premier Account, any other current / savings account held by the Qualified Referrer with the Bank, as may be decided by the Bank). Gift Fulfillment 15. Qualified Referrers will receive the Gift as per the schedule below:

4 Referrer places the referral in time period Referee opens new eligible Advance relationship in time period Referee fulfills eligibility criteria in Clause 2 by Referee gets notification letter by 01 Jul 2018 to 31 Jul Jul 2018 to 31 Jul Nov Dec Aug 2018 to 31 Aug Aug 2018 to 31 Aug Dec Jan Sep 2018 to 30 Sep Sep 2018 to 30 Sep Jan Feb Oct 2018 to 31 Oct Oct 2018 to 31 Oct Feb Mar Nov 2018 to 30 Nov Nov 2018 to 30 Nov Mar Apr Dec 2018 to 31 Dec Dec 2018 to 31 Dec Apr May Qualified Referrers must still be existing HSBC Advance or HSBC Premier (as the case may be) customers at time of Gift fulfillment in order to receive the Gift. 17. The accounts of both the Qualified Referrer and the corresponding referee must have been maintained in good standing and conducted in a proper and satisfactory manner (as determined by HSBC in its discretion) over the Programme Period and at the time of fulfillment, in order for the Qualified Referrer to receive the Gift. 18. HSBC reserves the right to deduct the equivalent Gift value for each referral from a Qualified Referrer's account in the event the corresponding referee terminates his/her HSBC Advance relationship within six months from the date the account is opened. General Terms and Conditions 19. This offer is not valid in conjunction with other offers or promotions unless otherwise stated. Referees who participate in any time deposit promotions by HSBC offering cash credit, regardless of the time deposit placement amount, will not be considered as a successful referee under this Programme. 20. HSBC assumes no responsibility for incomplete, lost, late, damaged, illegible, misdirected forms and/or other forms of communication which may result in the ineligibility of the referrer and/or referee to participate in this Programme. 21. HSBC reserves the right to make any changes to this Programme or replace any of the Gifts with another item of similar value without any prior notice. 22. The Bank may, at its discretion, revise these Programme Terms and Conditions, (including but not limited to varying the Programme Period), or withdraw this Programme at any time without prior notice. 23. Only personal/individual accounts are eligible for this Programme. Terms and conditions governing personal deposit accounts, HSBC Advance and the relevant products (collectively, the "Account Terms") will apply. In the event of any conflict or inconsistency between these Programme Terms and Conditions and the Account Terms in respect of this Programme, these Programme Terms and Conditions shall apply to the extent of the conflict or inconsistency. Please visit for details of the Account Terms. 24. These Programme Terms and Conditions are governed by the laws of the Republic of Singapore and the parties submit to the non-exclusive jurisdiction of the courts of Singapore. Deposit Insurance Scheme Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. (C) Terms and Conditions for the HSBC Credit Card Sign Up Promotion (1 July to 30 September 2018) General 1. This promotion is referred to as the HSBC Credit Card Sign Up Promotion ("Promotion"), and is offered by HSBC Bank (Singapore) Limited ("HSBC") to Eligible Applicants (as defined below). 2. To participate in this Promotion, the HSBC Visa Platinum credit card or HSBC's Revolution credit card or HSBC Advance credit card (each, a "Card") application must be submitted between 1 July and 30 September 2018, both dates inclusive, or such other dates as determined by HSBC at its discretion (the "Promotion Period"), and the application must be approved and issued by HSBC by 15 October 2018 (applicants whose submitted applications are approved are referred to as "Eligible Applicants"). 3. HSBC reserves the right to determine at our discretion whether: i. an Eligible Applicant(s) has met all the requirements of this Promotion; and ii. transactions charged by a Eligible Applicant to a Card qualify towards fulfilment of the relevant minimum Qualifying Transaction requirements (as defined below). 4. HSBC is not a supplier of the products and/or services provided by the merchant involved in this Promotion and will not accept any liability in relation thereto. 5. HSBC reserves the right to revise any of these terms and conditions, or withdraw or alter any part of this Promotion at any time without prior notice and/or assuming any liability to any party, and shall not be liable to pay any compensation or enter into any correspondence in connection with the same. 6. Use of the Gifts (as defined below) is subject to the terms and conditions of the merchant(s) providing the relevant products and/or services; please refer to the respective merchant(s) for details. HSBC is not a supplier of the products and/or services provided by the merchant(s) involved in this Promotion and will not accept any liability in relation thereto. There will be no replacement of lost, defaced, torn, damaged or stolen Gift(s) or corresponding redemption letters (if any)

5 after issuance. 7. The Gifts are not exchangeable for cash, rewards points, credit or kind in all cases, whether in whole or in part. HSBC may, at its discretion, substitute the Gift(s) with an item of equal or similar value without prior notice. 8. For the purposes of calculating the Qualifying Transactions, the following shall apply: i. transactions made in foreign currencies will be converted into Singapore dollars based on HSBC's prevailing exchange rate applicable at the time of exchange. If a Qualifying Transaction is cancelled or reversed after the applicable Qualifying Spend Period is over and the total amount spent during the Qualifying Spend Period falls short of the Qualifying Spend, the Qualified Cardholder will not be considered to have incurred the Qualifying Spend; and ii. in the event any application for supplementary Card(s) has been submitted at the same time as the primary Card, Qualifying Transactions made by the primary and supplementary Card(s) can be combined to meet the Qualifying Spend. Where more than one Card is applied for and issued, Qualifying Transactions on each Card will not be aggregated with Qualifying Transactions on other Cards for the purpose of determining whether the Qualifying Spend for this Promotion has been met. 9. All information is accurate at the time of publishing or posting online. 10. For the purpose of this Promotion: "Qualifying Transactions" mean posted retail transactions, including Online Transactions and Overseas Transactions, charged to a Card account and/or to the account of the supplemental cardholder of the Eligible Applicant BUT shall exclude the Excluded Transactions. "Online Transactions" shall mean all posted retail transactions successfully charged to a Card account and/or to the account of a supplemental cardholder of an Eligible Applicant made via the internet and processed by the respective merchants/acquirers as an online transaction type through the MasterCard International Incorporated and/or Visa Worldwide networks and which are successfully captured and posted. "Overseas Transactions" shall mean all posted overseas transactions successfully carried out outside Singapore and charged in foreign currency to a Card account and/or to the account of a supplemental cardholder of an Eligible Applicant and which are successfully captured and posted. "Excluded Transactions" shall mean any of the following:- Brokerage/ foreign exchange transactions (for example but not limited to Forex.com, Saxo Cap Mkts Pte Ltd, OANDA ASIA PAC, OANDAASIAPA, MB * MONEYBOOKERS.COM etc.), cash advances, late payment charges, bank charges, personal loan charges, balance and/or funds transfer transactions, cash instalment plans, tax payments, donations and payments to charitable and social organisations (MCC 8398), transactions relating to HSBC's Cash Instalment Plan, quasi-cash transactions (for example but not limited to transactions relating to money orders, traveler's checks, gaming related transactions, lottery tickets) and any other fee charges in respect of a Card. In the case of transactions relating to instalment payment plans of any merchant, only the first instalment amount charged to a Card within the Qualifying Spend Period (as defined below) qualifies as a Qualifying Transaction, and not the aggregate amount of the instalment plan; transactions relating to the trading of securities or crypto-currencies of any kind including but not limited to any top up of any cash amount required by a financial institution; transactions relating to payments and money transfers made through the internet (including but not limited to Paypal, SKR skrill.com); transactions made with any professional services provider (including but not limited to GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC.) any pre-paid card top-ups, including but not limited to EZ-Link, Transitlink or NETS Flashpay; any AXS or ATM transaction; any payment in connection with any government institutions and/or services, including but not limited to- court costs, fines, bail and bond payment; any transaction that is subsequently cancelled, voided, disputed or reversed for any reason; and/or such other categories of transactions which HSBC may exclude from time to time without notice or giving reasons. Mechanics "Card Account Opening Date" means the calendar month printed on the letter sent to an Eligible Applicant enclosing his/her Card issued pursuant to this Promotion. To qualify for the Promotion, an Eligible Applicant must fulfill the conditions set out below (each a "Qualified Cardholder") to be entitled to the following gifts ("Gift"): Offer: (1) Samsonite Astra 55cm Luggage. or S$100 cash back, or (2) S$50 cash back 11. Eligible Applicants are required to charge to their Card, within a month from the Card Account Opening Date, a minimum of S$600 in Qualifying Transactions to receive the relevant Gift: Eligible Applicant who does not hold any existing Card, and did not cancel a Card within the last 12 months prior to the Card Account Opening Date (each a "New Cardholder") shall be entitled to receive either (i) a Samsonite Astra 55cm Luggage worth S$350 or (ii) S$100 cash back; and Eligible Applicant who holds an existing Card issued more than 24 months ago and did not cancel any Card within the last 12 months prior to the Card Account Opening Date (each an "Existing Cardholder") shall be entitled to receive S$50 cash back.

6 New Cardholder Existing Cardholder Gift for Primary Card Choice of Samsonite Astra 55cm Luggage worth S$350 or S$100 cash back Must not hold any existing Card*; Did not cancel any Card within last 12 months*; and Charge a minimum of S$600 in Qualifying Transactions within a month of Card Account Opening Date. * in each case prior to the approval date of their new Card application under this Promotion. S$50 cash back Existing Card must be issued more than 24 months ago*; Did not cancel any Card within last 12 months*; and Charge a minimum of S$600 in Qualifying Transactions within a month of Card Account Opening Date. * in each case prior to the approval date of their new Card application under this Promotion. 12. For example, if the Card Account Opening Date is 15 July 2018, the Eligible Applicant has to meet the minimum spend requirement of at least S$600 in Qualifying Transactions by 14 August 2018 in order to qualify for the relevant Gift. 13. Fulfillment of the Gift will be done no later than three (3) months from Card Account Opening Date, after HSBC determines in its discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays. 14. For the Samsonite Astra 55cm Luggage, an SMS redemption code with the redemption details ("SMS") will be sent to the Qualified Cardholder's valid mobile phone number (based on HSBC's records). In the event there is no valid mobile phone number, a redemption letter will be sent to the Qualified Cardholder's billing address (based on HSBC's records). Any request for early fulfillment of a Gift will be not be granted nor entertained by HSBC. 15. Any SMS or redemption letter that is lost, misplaced or damaged is strictly non-replaceable and Gift redeemed is not exchangeable, non-transferable and nonreplaceable. 16. The Samsonite Astra 55cm Luggage is available in two colours (Navy or Red), subject to availability at the point of redemption. 17. Where applicable, the relevant cash back will be credited into the Qualified Cardholder's Card account, after HSBC determines in its discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays. 18. Where applicable, the relevant cash back can only be used to offset future retail purchases and cannot be transferred, withdrawn as cash or used to offset payments such as fund transfers, tax payments, financial charges, late charges, fees and other outstanding balances. 19. Each Qualified Cardholder is limited to a maximum of one Gift, regardless of the number of Cards applied for. In the event that the Qualifying Cardholder holds more than one approved Card, only the Card with the highest amount in Qualifying Transactions charged to it will be taken into account for the purposes of determining which Gift such Qualifying Cardholder is eligible to receive under this Promotion. 20. Only Card accounts that are maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC in its discretion at the time of fulfillment will be eligible for the Gift. In the event that the Card is voluntarily or involuntarily closed, terminated or suspended for any reasons whatsoever before a Gift is accorded or credited to the Qualified Cardholder, HSBC reserves the right to forfeit the Gift at its sole discretion. (D) HSBC's Personal Loan Interest Rate Promotion / HSBC's Personal Loan Cash Back Promotion / HSBC's Personal Loan Processing Fee Waiver Promotion A) General terms and conditions 1. Customers on staff preferential interest rates are not eligible for HSBC's Personal Loan Cashback Promotion and HSBC's Personal Loan Interest Rate Promotion, unless otherwise specified by the Bank. 2. All the terms and conditions under HSBC's Personal Loan Cashback Promotion and HSBC's Personal Loan Interest Rate Promotion should be read in conjunction with the prevailing personal line of credit and personal term credit terms and conditions. 3. The Bank reserves the right to vary the terms and conditions of and to suspend or terminate HSBC's Personal Loan Cashback Promotion and HSBC's Personal Loan Interest Rate Promotion at any time without prior notice. 4. The Bank's decision on all matters relating to HSBC's Personal Loan Cashback Promotion and HSBC's Personal Loan Interest Rate Promotion is final and no appeal or correspondence will be entertained. 5. Interest rates are subject to change without prior notice. 6. In order to be eligible, a minimum annual income of S$30,000 is required for Singaporeans and Singapore Permanent Residents, and a minimum annual income of S$40,000 is required for foreigners residing in Singapore. B) Loan amount of up to 8 times your monthly income 1. For Singaporeans and Singapore Permanent Residents with an annual income with at least S$30,000 but less than S$120,000, the total loan amount for HSBC's Personal Loan will be capped at up to four times your monthly income as indicated in the income documents submitted, or an amount HSBC may in its discretion determine. This is subject always to your aggregate maximum credit limit with HSBC for all unsecured facilities, regardless of the number of HSBC credit card(s) and/or Unsecured Loans Facility(ies) you hold or apply for, being no more than four times your monthly income. For Singaporeans and Singapore Permanent Residents with an annual income of at least S$120,000, the total loan amount for HSBC's Personal Loan will be capped at up to eight times your monthly income as indicated in the income documents submitted, subject to a maximum of S$200,000, or an amount HSBC may in its discretion determine.

7 For foreigners residing in Singapore, a minimum annual income of S$40,000 is required and your employment pass must be valid at least for a year from the loan disbursement date. The loan amount will be capped at up to four times your monthly income as indicated in the income documents, subject to a maximum of S$100,000, or an amount HSBC may in its discretion determine. C) Longest loan tenor of up to 7 years 1. Loan tenors of six and seven years are only applicable for salaried employees. 2. For foreigners residing in Singapore, the loan tenor will be capped at the remaining validity period of their employment pass, rounded down to the nearest whole year. D) Redraw on your existing loan 1. This programme is open to existing HSBC's personal loan customers who apply to redraw from their HSBC's personal loan account, subject to approval by HSBC. 2. The minimum loan amount to redraw is S$1, Customers have to continue with the repayment of the existing monthly instalment plan, whether or not the redraw application is approved. 4. Upon approval of the redraw application, a new HSBC's personal loan account may be opened for the redraw amount, subject to HSBC's discretion. Customers will be notified of the approval of the redraw application via a notification letter. a. Where a new HSBC's personal loan account is opened in connection with the approval of the redraw application, the notification letter will state the loan amount, loan tenor, monthly instalment and the loan drawdown date of the new HSBC's personal loan account. Customers shall ensure that they fulfill monthly repayments under any and all new and existing HSBC's personal loan accounts. b. Where no new HSBC's personal loan account is opened in connection with the approval of the redraw application, the notification letter will state the revised loan amount, loan tenor, monthly instalment and the new loan drawdown date of the existing HSBC's personal loan account. Customers shall ensure that they fulfill monthly repayments under the HSBC's personal loan account, in accordance with the revised details, as set out in the notification letter. 5. Should the redraw application be approved, the customer's monthly repayments will be deducted from the customer's existing repayment account. 6. Customers shall give at least thirty (30) calendar days' prior original written notice to the Bank should they wish to make any partial or full early repayment of their loan. An early repayment fee amounting to: a. S$150 (for personal loan account approved on or before 30 November 2015 and if my redemption date falls within 1 year from date of approval); or b. 2.5% of the redemption amount (for personal loan account approved on or after 1 December 2015) 7. Customers on staff preferential interest rates are not eligible for this programme, unless otherwise specified by the Bank. 8. The Bank reserves the right to vary the terms and conditions of and to suspend or terminate this programme at any time without prior notice. 9. The Bank's decision on all matters relating to this programme is final and no appeal or correspondence will be entertained. 10. All the terms and conditions under this programme should be read in conjunction with the prevailing Personal Line of Credit & Personal Term Credit Terms and Conditions. E) Approval in-principle terms and conditions 1. The online application is subject to approval. 2. The on-screen notifications of the outcome of the application will appear within 1 minute for applications submitted between 8 am and 11.59pm provided the Bank's server is not experiencing unexceptionally high volume or undergoing system maintenance. For the avoidance of doubt, 1 minute approval inprinciple does not apply to applications submitted between 12am and 7.59am. 3. Approval in-principle is a provisional approval provided by the Bank based on the information provided by the applicant. Upon the applicant's fulfillment of all the Bank's requirements including submission of the documents as stated on the Letter of Instruction, the Bank shall review and if appropriate, grant a formal approval and provide the applicant with a newly opened Personal Loan or personal line of credit account. 4. Approval in-principle is only valid for 14 days during which the applicant must submit the necessary documents to the Bank for processing. 5. Approval in-principle is only applicable for online applications. 6. Approval in-principle is not applicable for joint applicants and other circumstances as may be prescribed by the Bank from time to time. 7. HSBC reserves the right to vary these terms and conditions without prior notice at any time. 8. These terms and conditions should be read in conjunction with the personal line of credit and personal term credit terms and conditions. F) HSBC's "Next Day" Personal Loan Approval

8 1. The "Next Day" Loan Approval service (the "Service) is available to Singaporeans and Singapore Permanent Residents, who submit their application for a new personal loan online at and whose personal loan of no more than SGD100,000 ("Eligible Applicants") is subsequently approved. 2. HSBC must receive complete, clear and valid application with clear and relevant supporting documents (the "Valid Application") acceptable to HSBC. 3. If the Valid Application is received by and acceptable to HSBC, the personal loan will be approved by the next working day and the loan proceeds will immediately be disbursed into a Singapore Dollar repayment account, which the Bank will open in the name of the Eligible Applicant. 4. Existing HSBC personal loan customers applying for a redraw are not eligible for this Service. 5. This Service is not applicable to all HSBC staff loans. 6. These terms and conditions of this Service should be read in conjunction with personal line of credit and personal term credit terms and conditions. 7. HSBC may, at its discretion, revise these terms and conditions or withdraw this Service at any time without prior notice. 8. All information is accurate at the time of posting online. G) HSBC's Personal Loan Interest Rate Promotion 1. To participate in HSBC Bank (Singapore) Limited's ("HSBC") Personal Loan Interest Rate Promotion (the "Interest Rate Promotion"), applicants must submit their application for a new personal loan ("Loan") between 2 April 2018 and 31 August 2018, both dates inclusive (the "Promotional Period"), and the application must be approved by HSBC (in its discretion) by 30 September 2018 (such applicants, the "Eligible Applicants"). 2. Existing HSBC's Personal Loan customers applying for a redraw are not eligible for this Interest Rate Promotion. 3. Eligible Applicants shall enjoy the following interest rates in respect of their Loans: a. an effective interest rate of 13% p.a. if the approved Loan tenor is one (1) or two (2) years; or b. if the approved Loan tenor is three (3) to seven (7) years: i. an effective interest rate of 7% p.a. for Eligible Applicants earning an annual income of at least S$80,000, as determined by HSBC in its sole discretion; or ii. an effective interest rate of 9% p.a. for Eligible Applicants earning an annual income of at least S$30,000 but less than S$80,000, as determined by HSBC in its sole discretion. 4. The terms and conditions of this Interest Rate Promotion should be read in conjunction with HSBC's Personal Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at 5. HSBC may, at its discretion, revise these terms and conditions (including but not limited to varying the Promotional Period) or withdraw this Interest Rate Promotion at any time without prior notice. 6. All information is accurate at the time of posting online. H) HSBC's Personal Loan Online Promotion 1. To participate in HSBC Bank (Singapore) Limited's ("HSBC") Personal Loan Online Promotion (the "Online Promotion"), applicants must (a) submit their application for a new personal loan online at between 2 April 2018 and 31 August 2018, both dates inclusive (the "Promotional Period") and the application must be approved by HSBC (in its discretion) by 30 September 2018; and (b) consent to receive direct marketing and promotional materials from HSBC by indicating on the Letter of Instruction (such applicants, the "Eligible Applicants"). 2. Existing HSBC's Personal Loan customers applying for a redraw are not eligible for this Online Promotion. 3. A cashback amount of S$50 (the "cashback") will be credited to the Eligible Applicant's HSBC's Statement Savings Account, opened upon approval of the HSBC's Personal Loan application, within three (3) calendar months from the approval date of the HSBC's Personal Loan application, barring any unforeseen technical delays. 4. The award of the cashback is subject to the customer's HSBC's Personal Loan Account (the "Account") being maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC at its discretion during the Promotional Period and at the time of credit. 5. Eligible Applicants who have received the cashback and subsequently cancel their HSBC's Personal Loan or make premature repayments (partial or full) to the Account within 12 months from the date of approval of the HSBC's Personal Loan application are required to refund HSBC the full cashback amount. 6. The terms and conditions of this Online Promotion should be read in conjunction with HSBC's Personal Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at 7. HSBC may, at its discretion, revise these terms and conditions (including but not limited to varying the Promotional Period) or withdraw this Online Promotion at any time without prior notice. 8. All information is accurate at the time of posting online. I) HSBC's Personal Loan Processing Fee Waiver Promotion

9 1. To participate in HSBC Bank (Singapore) Limited's ("HSBC") Personal Loan Processing Fee Waiver Promotion (the "Processing Fee Waiver Promotion"), applicants must submit their application for a new personal loan ("Loan") between 2 April 2018 and 31 August 2018, both dates inclusive (the "Promotional Period") and the application must be approved by HSBC (in its discretion) by 30 September 2018 (such applicants, the "Eligible Applicants"). 2. Existing HSBC's Personal Loan customers applying for a redraw are not eligible for this Processing Fee Waiver Promotion. 3. The Eligible Applicants will receive a waiver of processing fee in respect of their HSBC's Personal Loan, equivalent to S$ The terms and conditions of this Processing Fee Waiver Promotion should be read in conjunction with HSBC's Personal Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at 5. HSBC may, at its discretion, revise these terms and conditions (including but not limited to varying the Promotional Period) or withdraw this Processing Fee Waiver Promotion at any time without prior notice. 6. All information is accurate at the time of posting online. (E) HSBC Step Up Bonus Interest Promotion ("Promotion") Terms and Conditions For Existing Accounts 1. This Promotion is valid from 1 July 2018 to 31 August 2018, both dates inclusive or such other date(s) as may be determined by HSBC Bank (Singapore) Limited ("HSBC" or "the Bank") at is discretion ("Promotional Period"). 2. This Promotion is exclusive to existing HSBC customers who hold a HSBC Premier, Advance or Statement Savings account ("Eligible Account") and maintain the Eligible Account in good standing during the Promotional Period ("Customers"). For clarity, only those accounts which are stated to be a Premier, Advance or Statement Savings account in a Customer's bank statement will qualify as an Eligible Account under this Promotion. 3. This Promotion applies only to deposits of Singapore Dollars ("SGD") in Eligible Accounts. 4. Each Customer who: i. Signs up to participate in this Promotion via any of the modes described below; and ii. Deposits fresh funds into his/her Eligible Account in the Relevant Month, will be eligible for this Promotion ("Eligible Customer"). For Clause 4(a) above, Customers may sign up for this Promotion by (i) submitting a completed participation form available electronically at or (ii) in the case of Premier Customers, provide instructions and information to complete the participation form via a recorded call with their relationship manager. Where multiple registrations are made by an Eligible Customer, the Bank will only process the registration made first in time and will not proceed to process any subsequent registrations. 5. a. For each Relevant Month, Eligible Customers will earn additional interest ("Bonus Interest") on the Top-up Amount (as defined below) at the rates set out in the table below ("Bonus Interest Rate"), subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$2,000,000. Eligible Account Top-up Amount Bonus Interest Rate Premier account S$1 to S$2,000, % p.a. Advance account S$1 to S$2,000, % p.a. Statement Savings account S$1 to S$2,000, % p.a. For the avoidance of doubt, Eligible Customers who sign up for this Promotion in July 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months of July 2018, August 2018 and September Eligible Customers who sign up for this Promotion in August 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months of August 2018, September 2018 and October Eligible Customers must satisfy all the conditions of this Promotion before any Bonus Interest is paid. b. For each Relevant Month, Eligible customers will enjoy additional bonus interest ("Debit Card Additional Bonus Interest") on the Top-up Amount (as defined below) at the rates set out in the table below if they successfully charge the following minimum spend on Retail Transaction(s) (as defined below) to their Debit Card (as defined below) by 2359 hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Topup Amount of S$100,000: Eligible Account Top-up Amount Minimum Debit Card spend on Retail Transactions Additional Bonus Interest Rate Premier, Advance and Statement Savings account S$1 to S$100,000 S$ % p.a. c. For each Relevant Month, Eligible Customers will enjoy additional bonus interest ("Remittance Additional Bonus Interest") on the Top-up Amount at the rates set out in the table below if they perform a remittance involving a foreign exchange transaction with the following minimum remittance amount, using the WorldWide Transfer ("WWT") system, available on HSBC's Personal Internet Banking platform, by 2359 hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000. Eligible Account Top-up Amount Minimum remittance amount for remittances involving a foreign exchange transaction using the WWT system Remittance Additional Bonus Interest Rate Premier, Advance and Statement Savings account S$1 to S$100,000 S$ % p.a.

10 d. For each Relevant Month, Eligible Customers will enjoy additional bonus interest ("Insurance Additional Bonus Interest") on the Top-up Amount at the rates set out in the table below if they purchase an eligible insurance plan with the following minimum annualized first year premiums, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000. Eligible insurance plan Minimum Annualised First Year Premium Purchased (SGD) Minimum Annualised First Year Premium Purchased (USD) Top-up Amount Insurance Additional Bonus Interest rate All S$15,000 US$10,000 S$1 to S$100, % p.a. For avoidance of doubt, Eligible Customers who do not qualify for the Debit Card Additional Bonus Interest, Remittance Additional Bonus Interest and/or the Insurance Additional Bonus Interest under Clause 5(b), 5(c) and 5(d) respectively (collectively, "Additional Bonus Interest") will still receive the Bonus Interest under clause 5(a) if they meet the relevant criteria under Clause 5(a). 6. Bonus Interest and Additional Bonus Interest will be calculated on a non-accrued, non-compounded and simple interest basis, and shall be paid separately from the prevailing interest (if any) payable on the credit balance in the Eligible Account. 7. Prevailing interest (if any) on an Eligible Account will be computed daily and paid out monthly into the relevant Eligible Account. 8. Bonus Interest and Additional Bonus Interest (as the case may be) will be credited into an Eligible Account in SGD by the end of the second month following the Relevant Month in which the Bonus Interest of Additional Bonus Interest (as the case may be) was accrued. 9. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal accounts are eligible for this Promotion. The terms and conditions governing HSBC Premier / Advance / Personal Deposit Accounts (as the case may be) and the HSBC debit card cardholder's agreement will apply. For clarity, if an Eligible Customer has signed up his/her Eligible Account(s) for any earlier deposit related promotion (which awards bonus interest and/or additional bonus interest) and such earlier promotion is still on-going during the Promotional Period, the subject Eligible Account(s) are not eligible for this Promotion. 10. The Bank shall be entitled to a reasonable period of time to process instructions and may not complete any placement / transaction in respect of an Eligible Account on the same day of receipt of the customer's instruction. The Bank shall not be liable for any loss or damage resulting from any such delay in effecting instructions or transactions. 11. Bonus Interest Rates and Additional Bonus Interest rates are subject to change. The Bank may, at its discretion, revise these Terms and Conditions (including but not limited to varying the Promotional Period) or withdraw this Promotion at any time without prior notice. 12. Deposit Insurance Scheme Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. 13. These Terms and Conditions are governed by the laws of the Republic of Singapore and the parties submit to the non-exclusive jurisdiction of the courts of Singapore. 14. Unless otherwise defined above, the following defined terms apply to this Promotion: "Deposits Total Relationship Balance" or "Deposits TRB" is made up of the sum of average daily balances for the calendar month, taking into account all Singapore dollar Current / Savings Accounts held in the same name with HSBC Bank (Singapore) Limited in Singapore. For the purpose of this Promotion, Deposits TRB excludes deposits in Singapore dollar Time Deposit accounts, Secured Overdraft Accounts, SmartMortgage Accounts, and Investment Financing Accounts. As an illustration of Deposits TRB: Top-up Amount in Premier Account Top-up Amount in Statement Savings account Sum of Deposits TRB S$150,000 S$50,000 S$200,000 "Debit Card" means an Eligible Customer's debit card issued by HSBC in Singapore bearing the name/service mark of VISA which is linked to the Eligible Account for purposes of settlement of debit card transactions and governed by The HSBC Debit Card Cardholder's Agreement. "fresh funds" means a deposit of funds from outside of HSBC into an Eligible Account. Funds transfers from existing HSBC Bank deposit accounts or via HSBC cheque(s), cashier's order(s) or demand draft(s) do not qualify for this Promotion. For the purpose of this Promotion, funds that are transferred from accounts that are closed in the last 30 days will not be eligible. "Relevant Month" means each consecutive calendar month up to 3 months from the date the Eligible Customer signs up for this Promotion, inclusive of the month during which the Eligible Customer signs up for this Promotion. "Retail Transactions" means any successful VISA transaction charged to the Debit Card with transaction date falling within each Relevant Month, provided that the following transactions shall not constitute valid Retail Transactions for purposes of this Promotion: i. transactions using NETS and QuickCash functionality; ii. fees or charges including annual fee, service fee and other miscellaneous fees in respect of the Debit Card; iii. cash withdrawal at ATM machine; and, iv. any amount charged to the Debit Card during each Relevant Month that is subsequently cancelled, voided or reversed.