HSBC Advance Welcome Rewards ( Promotion ) Promotional Terms and Conditions

HSBC Advance Welcome Rewards ( Promotion ) Promotional Terms and Conditions 1. This Promotion is valid from 1 January to 31 March 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 ) only HSBC Advance Welcome Reward Offer 3. This Promotion is only applicable to the first 500 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. 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 https://www.apps.asiapacific.hsbc.com/1/2/sgh2/advance-welcome-gift) 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 (cash / surrender value) 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$3,750 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 reoccurring 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 reoccurring 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 the Welcome Reward offer. 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 reoccurring Page 1 of 3

\ 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 Eligible Customer who successfully meets the criteria under this Promotion will receive S$80 worth of cash credit ( 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 Eligible Customer with the Bank, as may be decided by the Bank) 10. A Welcome Reward notification letter will be sent to the address (as per the Bank s records) of each qualifying Eligible Customer as per the Bank s records. (a) Eligible Customers under Clause 5(a)(i) will receive the Welcome Reward 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 Notification Letter to be sent by 31 Jan 30 Apr 31 May 28 Feb 2016 31 May 30 Jun 31 Mar 30 Jun 31 Jul (b) Eligible Customers under Clauses 5(a)(ii) or 5(a)(iii) will receive the Welcome Reward notification letter by the following dates or such later date(s) as may be notified by the Bank: HSBC Advance Account todate by which 2 consecutive Welcome Reward be opened by months of salary / reoccurring deposit crediting has to happen Notification Letter to be sent by 31 Jan 28 Feb 2016 30 Apr 31 May 31 May 30 Jun 31 Mar 30 Jun 31 Jul 11. Each Eligible Customer is only entitled to one Welcome Reward regardless of the number of criteria fulfilled under Clause 5. 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 under this Promotion. 12. The Bank may levy an administrative charge, equivalent to the value of the Welcome Reward 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 www.hsbc.com.sg for details of the Account Terms. 14. HSBC reserves the right to replace the 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. Page 2 of 3

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. Terms and conditions for the HSBC Advance Visa Platinum Credit Card Sign up Gift Promotion from 1 February to 31 March Receive a Samsonite Black Label Plutus 68cm Luggage worth S$950 when you apply for a HSBC Credit Card (as defined below). 1. This promotion is referred to as the "Sign Up Gift Promotion", and is offered by HSBC Bank (Singapore) Limited ( HSBC ) to Eligible Applicants (as defined below). 2. To participate in this Sign Up Gift Promotion, the HSBC Advance Visa Platinum credit card ( Card ) application must be submitted between 1 February and 31 March (both dates inclusive) or such other dates as determined by HSBC at its discretion (the "Promotion Period"), and the application must be approved by HSBC by 15 April (applicants whose submitted applications are approved are referred to as "Eligible Applicants"). 3. This Sign Up Gift Promotion is not applicable to customers who (i) have applied for and received another main HSBC credit card within the last 24 months, or (ii) have cancelled their HSBC credit card within the last 12 months, in each case prior to the approval date of their newly applied for Card under this Sign Up Gift Promotion. 4. Customers who satisfy the eligibility criteria set out in these terms and conditions will be entitled to the following gift ("Gift"): a) Gift A Samsonite Black Label Plutus 68cm Luggage worth S$950 (For main Card applications only) i. A minimum of S$500 in (as defined in Clause 6 below) must be charged per month for the first 3 Spend Periods (as illustrated in Clause 4aii) to the newly issued Card(s) approved under this Sign Up Gift Promotion. In the event any application for supplementary Card(s) has been submitted at the same time as the main Card, made by the main and supplementary Card(s) can be combined to meet the spend criteria. In the event where other HSBC credit cards are applied for and issued at the same time, on each card will not be aggregated for the purpose of determining whether the spend criteria for this Sign Up Gift Promotion has been met. ii. The following table illustrates the Spend Periods and Gift fulfillment schedule. Month Card Account was opened Spend Period 1 to meet minimum S$500 in February 1 February to 31 March March 1 March to 30 April Spend Period 2 to meet minimum S$500 in Spend Period 3 to meet minimum S$500 in Date Redemption SMS / Letter will be sent (Strictly no early fulfillment of gift will be allowed) 1 to 30 April 1 to 31 May By 30 June 1 to 31 May 1 to 30 June By 31 July Page 3 of 3

April 1 April to 31 May 1 to 30 June 1 to 31 July By 31 August iii. For the avoidance of doubt, the following table illustrates the eligibility criteria described. Amount of Transactio ns charged to Main and Supplemen tary Card(s) in Spend Period 1 Amount of charged to Main and Supplementary Card(s) in Spend Period 2 Amount of charged to Main and Supplementary Card(s) in Spend Period 3 Eligible for a Samsonite Black Label Plutus 68cm Luggage? Scenario 1 S$500 S$500 S$500 Yes Scenario 2 S$100 S$600 S$800 No, did not spend min. S$500 in Month 1 iv. The Samsonite Black Label Plutus 68cm Luggage is available in two colours. (Black or Ivory Gold), subject to availability at the point of redemption. v. A SMS Redemption Code with redemption details ("SMS") will be sent to the Eligible Applicant's valid mobile phone number (based on HSBC's records) no later than 5 months from the month Card was opened, after HSBC determines in its discretion that the criteria under this Sign Up Gift Promotion have been met, barring any unforeseen technical delays. In the event there is no valid mobile phone number, a redemption letter ( Letter ) will be sent to the Eligible Applicant 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. 5. Each Eligible Applicant is limited to a maximum of one (1) Gift only, regardless of the number of HSBC credit cards applied for. 6. shall mean only retail transactions (including online transactions) made with a Card and excludes all fund transfers, balance transfers, tax payments, annual fees, bank charges, transactions relating to HSBC s Cash Instalment Plan, transactions relating to money orders, traveller s checks, gaming related transactions, and unposted, cancelled, disputed and refunded transactions and, such other categories of transactions HSBC may exclude from time to time without notice or giving reasons. In the case of transactions relating to instalment payment plans of any merchant, only the instalment amount charged to a Card within the Spend Periods qualifies as a Transaction, and not the aggregate amount of the instalment plan. 7. Month Card Account was opened shall be the month printed on the letter sent to a customer enclosing his/her Card issued pursuant to this Promotion. 8. The SMS or Letter is valid for 1 month from date of issue, unless stated otherwise. No extension will be granted and no requests for extension will be entertained by HSBC or the merchant. 9. Only 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 a Gift. In the event that the Card is voluntarily or involuntarily closed or terminated or suspended for any reasons whatsoever before the Gift is accorded, HSBC reserves the right to forfeit the Gift at its sole discretion. 10. Any Gift that is redeemed is not exchangeable or refundable for another gift or color. 11. Any Gift that is lost, misplaced or damaged is strictly non-replaceable. 12. The Gift is not exchangeable for cash, Reward Points or other reward items from HSBC. 13. HSBC is not the supplier of the products provided by the participating partners involved in this Sign Up Gift Promotion and will not accept any liability in relation thereto. 14. HSBC reserves the right to substitute or replace any Gift with items of equal or similar value at its discretion without notice. 15. HSBC reserves the right to vary the terms and conditions of this Sign Up Gift Promotion or change or withdraw this Sign Up Gift Promotion at any time without prior notice. 16. All information is correct at the time of publishing or posting online. Page 4 of 3

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 between 1 November 2016 and 28 February, both dates inclusive (the Promotional Period ), and the application must be approved by HSBC (in its discretion) by 31 March (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) Retail banking customers with an approved loan amount of S$10,000 or more will enjoy an effective interest rate of: (i) 10% if the approved loan tenor is one (1) or two (2) years; or (ii) 9% if the approved loan tenor is three (3) to seven (7) years; or b) effective interest rate of 7% p.a. for existing Premier customers; or c) effective interest rate of 8% p.a. for existing Advance customers 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. 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 submit their application for a new personal loan online at http://www.hsbc.com.sg between 1 November 2016 and 28 February, both dates inclusive (the Promotional Period ) and the application must be approved by HSBC (in its discretion) by 31 March (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 http://www.hsbc.com.sg/loan 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. HSBC's Personal Loan Processing Fee Waiver Promotion 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 1 November 2016 and 28 February, both dates inclusive (the Promotional Period ) and the application must be approved by HSBC (in its discretion) by 31 March (such applicants, the Eligible Applicants ). 2. Existing HSBC s Personal Loan customers applying for a redraw are not eligible for this Online Promotion. 3. The Eligible Applicants will receive a waiver of processing fee in respect of their HSBC Personal Loans, equivalent to S$88. Page 5 of 3

4. 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 http://www.hsbc.com.sg/loan. 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. 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 January to 31 March ("Programme Period"), both dates inclusive. The referrers of the first 50 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) (b) (c) 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 (cash / surrender value) 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 Enrol in HSBC Advance through salary crediting of at least S$3,750 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 Enrol in HSBC Advance through reoccurring 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 reoccurring 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 Page 6 of 3

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 50 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) A Gift notification letter will be sent to the address (as per the Bank s records) of each Qualified Referrer. Gift Fulfillment 15. Qualified Referrers will receive the Gift as per the schedule below: Referrer places the referral in time period Referee opens new eligible Advance relationship in time period Referee fulfills eligibility criteria in Clause 2 by 01Jan to 31 Jan 01 Jan to 28 Feb 30 Apr 31 May 01 Feb to 28 Feb 01 Feb to 31 Mar 31 May 30 Jun 01 Mar to 31 Mar 01 Mar to 30 Apr 30 Jun 31 Jul Gift Notification letter to be sent by 16. 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 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. Page 7 of 3

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 www.hsbcadvance.com.sg 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. ACKNOWLEDGMENT AND AGREEMENT I/We have read and understood, and agree to the terms and conditions governing the Programme above and specifically 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. Name: NRIC/ Date: For Bank Use Verified By Date Advance Centre Remarks Page 8 of 3