Get a chance to avail of these exciting offers or earn raffle entries for a chance to win a brand new car!

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1 Promo Mechanics: HSBC Credit Card s Scratch to Win Promo Get a chance to avail of these exciting offers or earn raffle entries for a chance to win a brand new car! 1. HSBC Credit Card's Scratch to Win Promo (the "Promo") is open to all primary and supplementary credit cardholders of HSBC Classic and Gold Visa/Mastercard, HSBC Red Mastercard, HSBC Platinum Visa, HSBC Advance Visa, and HSBC Premier Mastercard locally issued by HSBC Philippines (hereinafter referred to as "Cardholders"). HSBC Corporate Cards and HSBC Debit Cards are not qualified to join the Promo. 2. Promo Period is from February 16 to July 31, Redemption period is until September 30, Every Php2,000 minimum single-receipt purchase qualifies the Cardholder to join the Promo; and should be as follows (the Qualified Transactions ): a. Transactions made by the Cardholder s supplementary credit cardholder/s will be qualified as part of the Primary Cardholder s accumulated spend. b. Valid transactions shall be straight or merchant installment purchases transacted and posted during the Promo Period. Each merchant installment transaction will be considered as one transaction amount. As such, succeeding monthly amortizations from the same merchant installment transaction will not be counted as a separate transaction amount on the Cardholder s account. c. Cash Advance Transactions, Cash Installment Plan, Balance Transfer and Balance Conversion d. Split transactions (same merchant and same day), Casino transactions, Business-related transactions, Cancelled/Reversed and Fraudulent transactions are excluded from the Promo. 4. Qualified cardholders will receive an SMS/eDM notification (SMS number or address as reflected in HSBC s records) for his/her first qualified transaction containing a link to the HSBC Game site (the Site ) and a unique Player Code. Upon clicking the link which will lead to the Site, the Cardholder will be prompted to key in the unique Player Code and the last 4 digits of his/her HSBC Credit Card. Note that the unique Player Code and the last 4 digits of his/her HSBC Credit Card need to be keyed in every time that the Cardholder visits the Site. 5. The Site will reflect Hexagons that qualified Cardholders have earned. Every Qualified transaction (as defined in item # 3) is equivalent to one (1) Hexagon. The Cardholder may start playing by scratching the Hexagon/s which will reveal any of the exciting rewards or will reveal no. of raffle entries to the grand prize at the end of the Promo Period. 6. Each Cardholder will continuously receive Hexagons for as long as he/she meets the minimum spend requirement during the Promo Period. 7. HSBC will extract from its system and identify HSBC Credit Cardholders who have reached the Spend Requirement on the following cut-off dates: Cut-Off Date for Game Codes Sending via SMS Coverage of Posted Transactions 05-Mar-18 February 16 to 28, Mar-18 March 1 to 4, Mar-18 March 5 to 11, Mar-18 March 12 to 18, Mar-18 March 19 to 25, Apr-18 March 26 to April 1, Apr-18 April 2 to 8, Apr-18 April 9 to 15, Apr-18 April 16 to 22, 2018

2 04-May-18 April 23 to 29, May-18 April 30 to May 6, May-18 May 7 to 13, May-18 May 14 to 20, Jun-18 May 21 to 27, Jun-18 May 28 to June 3, Jun-18 June 4 to 10, Jun-18 June 11 to 17, Jun-18 June 18 to 24, Jul-18 June 25 to July 1, Jul-18 July 2 to 8, Jul-18 July 9 to 15, Jul-18 July 16 to 22, Aug-18 July 23 to 31, Aug-18 Grand Draw 8. Cardholders will either get any of the ff upon scratching his/her earned Hexagons: a. Raffle Entries to the Grand Prize 1 winner of a Subaru Forester *Qualified merchant installment transactions will be awarded with 5X Raffle entries, while qualified straight transactions will earn 1 Raffle entry OR b. Any of the Rewards as listed below. The Site will prompt the Cardholder to Click to Redeem to be able to view his/her Bcode. The Bcode is needed when redeeming his/her Reward at participating merchants redemption centers. Prizes Cathay Pacific Economy Class flight for 2 (roundtrip) to HK Ayala Malls Cinemas gift card worth Php200 Dining Credits worth Php1,000 Free Dusit at The Pantry Lunch or Dinner Buffet for 2 Shopping Credits worth Php1,000 iphone 8 Plus 64gb from Automatic Centre American Tourister Luggage from Rustan Marketing Corporation Philippine Airlines Economy flight (roundtrip) to any of the ff. destinations: Cebu, Davao, Bohol or Puerto Princesa SM Gift Certificate worth Php100 Rustan's Gift Certificate worth Php100 Samsung Smart TV 32" from Automatic Centre Zalora egift Code worth Php100 Sodexo Premium Pass worth Php500 Sodexo Premium Pass worth Php1,000

3 Lazada e-voucher worth Php100 One (1) Winner of a White 2018 Subaru Forester 2.0i Premium CVT in the raffle Redemption Partners and How to Redeem: Prize How to Redeem Branch Address Cathay Pacific Economy Class flight for 2 (roundtrip) to HK Ayala Malls Cinemas gift card worth Php200 Dining Credits worth Php1,000 Free Dusit at The Pantry Lunch or Dinner Buffet for 2 Shopping Credits worth Php1,000 iphone 8 Plus 64gb from Automatic Centre Samsung Smart TV 32" from Automatic Centre American Tourister Luggage from Rustan Marketing Corporation Rustan's Gift Certificate worth Php100 Visit the Cathay Pacific ticketing office Visit any of the participating Ayala Malls branches will be credited to your HSBC Credit Card Account 3 banking days from cut-off date on Player Code/Hexagons Sending (refer to clause 7) Go directly to the Pantry at Dusit Thani Manila will be credited to your HSBC Credit Card Account 3 banking days from cut-off date on Player Code/Hexagons Sending (refer to clause 7) Visit any of the participating Automatic Centre branches Visit the American Tourister selling area at any participating Rustan s branch. Please call to schedule your visit. Visit the Customer Service Area of any Rustan's branch. 22/F LKG Tower, Ayala Ave, Makati City Glorietta 4 / Greenbelt 3 / Greenbelt 1 / Alabang Town Center / Market! Market! / TriNoma / Fairview Terraces / U.P. Town Center / Vertis / Cloverleaf / The 30 th / Feliz / Bonifacio High Street / MarQuee / Harbor Point / Solenad / Ayala Cebu / Abreeza N/A 1223 Epifanio de los Santos Ave, Makati, 1223 Metro Manila, Philippines N/A Glorietta 4 / Greenbelt 1 / Market Market / Robinsons Pioneer / Greenhills / Alabang Town Center / TriNoma / SM North Edsa / Eastwood / Tutuban Alabang / Gateway / Shangri-La Plaza Mall / Rustan s Makati Alabang / Gateway / Shangri-La Plaza Mall / Rustan s Makati / Ayala Center Cebu

4 o Makati Ticket Office: Ground Floor, Allied Bank Center, Ayala Avenue corner Legaspi Street, Makati City (Office Hours: Mondays to Saturdays, 9:00AM to 5:00PM; Closed on holidays) Philippine Airlines Economy flight (roundtrip) to any of the ff. destinations: Cebu, Davao, Bohol or Puerto Princesa Visit any of the Philippine Airlines ticketing offices o Cubao Ticket Office: Ground Floor, Ali Mall Complex, Times Square Street, Araneta Center, Quezon City (Office Hours: Mondays to Saturdays, 9:00AM to 5:00PM; Closed on holidays) o PNB Ticket Office: Mezzannine, PNB Financial Center, President Diosdado Macapagal Avenue, CCP Complex, Pasay City (Office Hours: Mondays to Fridays, 9:00AM to 5:00PM; Saturdays, 9:00AM to 12:00NN; Closed on holidays) o Filinvest Ticket Office: Westgate Center, Commerce Avenue corner Filinvest Avenue, Alabang, Muntinlupa City (Office Hours: Mondays to Saturdays, 9:00AM to 5:00PM; Closed on holidays) o Cebu Gorordo Ticket Office: QC Pavillon, Gorordo Avenue, Cebu City (Office Hours: Mondays to Saturdays, 9:00AM to 5:00PM; Closed on holidays) SM Gift Certificate worth Php100 Zalora egift Code worth Php100 Visit any of The SM Store branches at the Customer Service area. 1. Log-in to your ZALORA account 2. Under the Account icon, select My Wallet 3. Under Have a Gift Card? Add it to your wallet., enter the code in the box provided 4. Click Add Credit 5. Continue Shopping! Bacolod, Bacoor, Baguio, Batangas, Bicutan, Cagayan de Oro, Cebu, Clark, Cubao, Dasmarinas, Davao, Iloilo, Lipa, Makati, Mall of Asia, Manila, Megamall, Naga, North Edsa, Pampanga, Taytay, Calamba, Lanang, BF Paranaque, Cabanatuan Sodexo Premium Pass worth Php500 Sodexo Premium Pass worth Php1,000 Visit the Sodexo office or the HSBC Cebu and Davao branch to redeem. Visit the Sodexo office or the HSBC Cebu and Davao branch to redeem. Sodexo Office - 11th Floor B.A. Lepanto Building 8747 Paseo de Roxas Street, Makati City HSBC Cebu G/F Taft Ayala Building, Cardinal Rosales Avenue, Cebu Business Park, Cebu City HSBC Davao - G/F Luisa Avenue Square E Jacinto Extension Davao City 11th Floor B.A. Lepanto Building 8747 Paseo de Roxas Street, Makati City

5 HSBC Cebu G/F Taft Ayala Building, Cardinal Rosales Avenue, Cebu Business Park, Cebu City Lazada e-voucher worth P100 White 2018 Subaru Forester 2.0i Premium CVT 1) Customer shops at or via the Lazada mobile app. 2) Customer selects the item/s to purchase 3) At check out, customer enters delivery details. 4) Customer enters voucher code and click "apply" 5) Customer selects payment method. 6) Customer clicks "place order". HSBC will get in touch with the winner after the draw has been done with the presence of a DTI Representative. HSBC Davao - G/F Luisa Avenue Square E Jacinto Extension Davao City N/A 9. Cardholders who will redeem their Reward Item/s at merchants (except Zalora) should present the following: the Bcode as reflected on the Cardholder s phone or a print out of the Bcode the HSBC Credit Card used to make the Valid Transaction a valid photo-bearing government-issued Identification Card 10. The participating merchant will assist the Cardholder to tap his/her phone or print out on the Bcode reader installed in their stores / offices. 11. Once redeemed, the Bcode Code/s may no longer be used to redeem another Reward. 12. Only the Qualified Cardholder is allowed to redeem the Reward within 60 days from game winning. Authorized representatives are disqualified from redeeming the Reward even if they present a written documentation from the Cardholder. 13. The cost of the Reward/s shall be charged to the Cardholder's credit card account if redeemed through means which are later found to be invalid or if the Cardholder did not adhere to the Terms and Conditions of this Promo. 14. The Raffle Draw of the Grand Prize will be on August 9, 2018 (Thursday) at 4pm at 3058 HSBC Center, 5 th Avenue West, Bonifacio Global City, and will be held in the presence of a DTI representative 15. Officers and employees of HSBC in the Philippines, its advertising/pr agencies and its accredited service providers, including their relatives up to the second degree of consanguinity and affinity are disqualified from the Raffle Draw. Further, cardholders located or residing in countries where HSBC Philippines is restricted/prohibited from marketing this sales promotion activity are disqualified from the raffle of the Grand Prize. 16. The Grand Prize is non-convertible to cash, cash advance, or kind. The 20% tax for the Grand Prize shall be shouldered by the winner. 17. The Grand Prize is a 2018 Subaru Forester 2.0i Premium CVT with the following inclusions: a. Warranty: 3 years or 100,000 kilometers (whichever comes first) b. Free items: Tint, Subaru floor mats and 3 years LTO registration 18. The Cathay Pacific flight for two (2) is exclusive of taxes and other fees and shall be shouldered by the winner. The free flight is on O booking class only from and to Manila or Clark. Travel period is from June 1, 2018 to June 5, 2019.

6 19. The Philippine Airlines flight is inclusive of VAT, ASF, Terminal Fee and Ticketing Service Fee. The free flight will only be based on the following booking class only: K, X, B and V. Travel period is from March 15 to December 31, Seats are subject to availability and fares, taxes, surcharges and other fees are subject to change without prior notice. 20. The flight may be convertible to cash. If the winner chooses to convert, he/she must send an request to chrissa.quintana@hsbc.com.ph. Once validated and confirmed, the cash equivalent will be credited to his/her HSBC Credit Card Account in 3-5 banking days. 21. The Zalora egift Codes are unique and may be applied to the e-wallet once. These are not convertible to cash and products purchased with the codes are not refundable in cash but only in wallet credit. Codes do not expire. For any questions or clarifications, please contact ZALORA Philippines hotline at or customer@zalora.com.ph 22. The Sodexo Premium Passes are unique. These are not convertible to cash and products purchased with the Sodexo Premium Pass are not refundable in cash and are valid until fully consumed. For any questions or clarifications, please contact Sodexo Customer Service hotline at or customercare.svc.ph@sodexo.com.ph. For the list of all our partner Merchants, you may visit merchants.sodexo.ph 23. The Lazada Vouchers are applicable to all products except those marked with "voucher not applicable". Vouchers do not expire and are transferable but not convertible to cash and similar financial instruments. These vouchers are one-time use only. For questions or clarifications, please contact Lazada s Hotline service at from 9:00am 6:00pm, Monday to Saturday except holidays. 24. The Grand Prize winner shall be notified by telephone and registered mail within two (2) weeks from the raffle draw date. Notification will be made to the existing contact details contained in HSBC s records / system. Claiming of prize must be done within 60 days upon receipt of the notification letter. 25. The winners of the Rewards items and the Grand Prize authorize HSBC to disclose and publish their names, photos and other particulars as determined by HSBC to any person/s and in any mode or manner, as HSBC may deem appropriate. 26. This offer cannot be availed of in conjunction with other promos of HSBC unless HSBC specifies otherwise. 27. For any cardholder complaints / concerns in relation to the promo, please call the HSBC Customer Service at (02) from Metro Manila, PLDT domestic toll-free, +63(2) from overseas, or send an to hsbc@hsbc.com.ph. 28. In case of dispute with respect to the Cardholder's eligibility, coverage of dates, fulfillment, and Promo Mechanics, HSBC's decision will prevail, in concurrence with DTI. 29. Fraud, abuse or any unauthorised action relating to the credit card transaction, the availment of the Reward / Grand Prize or the participation in the Promo may result in the disqualification of the Cardholder from the Promo, suspension and/or cancellation of card privileges and/or the charging of the full cost of the Reward / Grand Prize to the Cardholder's account, at HSBC's discretion. This shall be without prejudice to any legal action that may be taken by HSBC. Per DTI FTEB Permit No. 2495, Series of 2018.

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