TERMS & CONDITIONS HSBC ipad Air 2 PROMOTION

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TERMS & CONDITIONS HSBC ipad Air 2 PROMOTION 1. HSBC Bank Malaysia Berhad (Company No. 127776-V) will be referred to as HSBC Bank and HSBC Amanah Malaysia Berhad (Company No. 807705-X) will be referred to as HSBC Amanah. THE PROMOTION PERIOD 2. The HSBC ipad Air 2 Promotion ( Promotion ) shall run from 1 September 2015 to 31 October 2015, both dates inclusive ( Promotion Period ). ELIGIBILITY 3. The Promotion is open to all primary and/or supplementary cardholders of:- a. HSBC Bank Credit Cards: HSBC Premier World MasterCard Credit Card, HSBC Advance Visa Platinum Credit Card, HSBC Visa Signature Credit Card, HSBC Visa Platinum Credit Card, HSBC Visa Reward Credit Card and HSBC Gold MasterCard Credit Card issued by HSBC Bank; and b. HSBC Amanah Credit Card-i(s): HSBC Amanah Premier World MasterCard Credit Card-i, HSBC Amanah Advance Visa Platinum Credit Card-i, MPower Visa Platinum Credit Card-i and MPower Visa Credit Card-i issued by HSBC Amanah (hereinafter referred to as the Participating HSBC Bank/HSBC Amanah Credit Cards/-i ) EXCEPT for the following categories of persons: i. Holder(s) of HSBC Bank/HSBC Amanah Credit Cards/-i that are not issued in Malaysia; and/or ii. Holder(s) of invalid or cancelled HSBC Bank/HSBC Amanah Credit Cards/-i and/or whose accounts are delinquent within HSBC Bank and HSBC Amanah s definition at any time during the Promotion Period; and/or iii. Holder(s) of company and/or corporate HSBC Bank/HSBC Amanah Credit Cards/-i (hereinafter collectively referred to as the Eligible Cardholder ). REGISTRATION CRITERIA 4. To participate in this Promotion, the Eligible Cardholder must register one of his/her Participating HSBC Bank/HSBC Amanah Credit Card/-i number(s) via SMS during the Promotion Period. All his/her other Participating HSBC Bank/HSBC Amanah Credit Cards/-i including supplementary credit card/-i(s) shall automatically be tracked for the purpose of tabulating the Participation Criteria (defined at Clause 9 below). Registration process is as follows: a. SMS: F1<space>your 16-digit Participating HSBC Bank/HSBC Amanah Credit Card/-i number to 66600; or b. Eligible Cardholders who receive an SMS invitation from HSBC Bank/HSBC Amanah to participate in this Promotion must follow the instruction to register as stated therein; or c. Follow the instruction to register in the respective marketing communication materials. Standard telecommunication charges will apply for each SMS sent. 5. Registration can be performed by either the primary or supplementary Eligible Cardholder.

6. Upon successful registration, the Eligible Cardholder will receive a confirmation via SMS at no cost. Such confirmation will be sent to the mobile number used for the registration. 7. In the event the SMS is incomplete / invalid, an SMS will be sent to the Eligible Cardholder at no cost notifying them to re-register via SMS. However, the Eligible Cardholder must ensure that they have keyed in the correct Participating HSBC Bank/HSBC Amanah Credit Card/-i number in the SMS. 8. Upon the successful SMS registration, the Eligible Cardholder must use any of their Participating HSBC Bank/HSBC Amanah Credit Cards/-i in the manner as per Clause 9 below. PARTICIPATION & ELIGIBLE SPEND CRITERIA 9. The Eligible Cardholder must spend using their Participating HSBC Bank/HSBC Amanah Credit Cards/-i (whether independently or collectively) in the following manner:- a. Spend a minimum qualifying amount of RM1,000 or multiples thereof in a single receipt during Promotion Period; and b. Spend can be made on any retail transactions as per Clause 10 below (hereinafter referred to as the Participation Criteria ). 10. Eligible Spend for the Promotion are those that: a. Are charged to any of the Eligible Cardholder s Participating HSBC Bank/HSBC Amanah Credit Cards/-i including the supplementary credit card(s) within the Promotion Period; b. Include all Internet transactions, local and overseas retail transactions, 0% instalment plans; and c. Exclude cash advances, standing instructions/auto-billing, finance charges/ management fees, and credit card annual fee. (hereinafter referred to as the Eligible Spend ). 11. Both primary and supplementary/ies credit card/-i spend will be taken into account to meet the Eligible Spend. If the Eligible Cardholder has multiple Participating HSBC Bank / HSBC Amanah Credit Card/-i accounts, Eligible Spend made on all Participating HSBC Bank / HSBC Amanah Credit Card/-i by the primary credit card/-i cardholder and his/her supplementary/ies credit card/-i cardholder(s) will be consolidated and will not be viewed individually to meet the respective Eligible Spend and Participation Criteria for the Promotion Period. Example: Cardholder A has a HSBC Visa Signature credit card, an HSBC Visa Platinum credit card and 2 supplementary HSBC Visa Platinum credit cards. All transactions on Eligible Spend made with all of those Participating HSBC Bank/HSBC Amanah Credit Card/-i will be consolidated and not viewed individually to meet the respective Eligible Spend and Participating Criteria of the Promotion. 12. The tracking of the Eligible Spend is based on transactions dates (Malaysian Time). 13. Upon satisfying the Participation and Eligible Spend Criteria as stated in Clause 9 and Clause 10 above during the Promotion Period, the Eligible Cardholder stands to receive one (1) ipad Air 2 64GB Wifi only.

SELECTION PROCESS 14. Eligible Cardholders will get one (1) Contest Entry for every Eligible Spend that satisfies Clauses 9 and 10 above. Example: If Cardholder A spent RM1,781 in a single receipt, he/she will be entitled to 1x entry. If Cardholder B spent RM3,200 in a single receipt, hence he/she will be entitled to 3x entries. 15. At the end of the Promotion Period, forty (40) Eligible Cardholders will be selected as Potential Winners in accordance with the selection process below ( Potential Winner ). The following is the selection process adopted to determine the Potential Winner: Potential Winner Selection ( Potential Winner ) Each Contest Entry will be assigned a serial number, which is allocated sequentially starting from 1 for the smallest serial number to the largest. The total number of Contest Entries will be divided by 40 for the Promotion. This division will return the multiplier number ( Multiplier ) with which to short-list Potential Winners, rounded to the closest whole number. For example, if the total number of entries for the Promotion Period is 2,987, the Multiplier will be 2,987/40 = 74.68, rounded to 75. As such, the entries which are numbered by multiples of 75 will be selected, e.g. 75, 150, 225, 300.750. This will allow the selected 40 Potential Winners to be shortlisted to win the Prizes. 16. Potential Winners will be contacted within eight (8) weeks after the Promotion Period by HSBC Bank/HSBC Amanah or its appointed representatives up to 2 times at their latest telephone numbers in HSBC Bank s/hsbc Amanah s records at any time during office hours (9.00am 6.00pm) to answer one (1) question. If the first attempt to call the Potential Winners fails, i.e. no reply, telephone number not in service, no connection, etc., another 2 attempts will be made within the next 2 hours of the first phone call to the Potential Winners, and where such further attempts are unsuccessful or the Potential Winners withdraw from the Contest on being contacted, the Potential Winners will be disqualified from the Contest. For example, HSBC Bank/HSBC Amanah will select the Eligible Cardholder whose assigned serial number is 75 and if the Potential Winner with this serial number could not be contacted or withdraws or is disqualified from the Promotion, Eligible Cardholder with the following serial number 76 will be contacted. If the Eligible Cardholder with serial number 76 had earlier withdrawn from the Promotion or who was disqualified, HSBC Bank/HSBC Amanah will select the Eligible Cardholder with next serial number 77 to be contacted. Only primary Eligible Cardholders will be contacted. 17. If the Eligible Cardholder has more than one (1) Contest Entry that are assigned the Potential Winner serial numbers, only the first Potential Winner serial number will be taken into account. The second Potential Winner serial number will be disqualified and the Eligible Cardholder with the next serial number will be chosen as the replacement Potential Winner. For example, Potential Winner 1 (serial number 75) is also Potential Winner 35 (serial number2625). The replacement Potential Winner 35 will then be Eligible Cardholder with serial number2626. 18. Potential Winners must answer one (1) question correctly to receive the Prize ( Winner ). Any Potential Winner who fails to answer the question correctly will not receive the Prize. In such event, the Eligible Cardholder bearing the subsequent serial number will be short-listed and the sequence in Clause 15 will re-commence.

19. The sequence under Clause 15 above will cease upon the determination of 40 Winners for the Promotion Period. PRIZE CONDITIONS 20. There are a total of 40 Prizes for this Promotion which are pooled together with the HSBC Amanah ipad Air 2 Promotion. HSBC Bank is the sole provider for all the Prizes in this Promotion. 21. Eligible Cardholders can only win one (1) Prize under this Promotion and the Prize will be given to the primary Eligible Cardholder only. 22. The following terms and conditions apply to the Prize: a. The Prize is provided on an As Is basis. b. The Prize is not transferable and cannot be exchanged for cash, credit or in kind. c. The Eligible Cardholder can only win one (1) Prize throughout the Promotion Period and the Prize will be delivered to the primary Eligible Cardholder only. d. The Winners under this Promotion will be notified via telephone within eight (8) to twelve (12) weeks from the end of Promotion Period. The telephone call(s) will be made to the contact details maintained in HSBC Bank /HSBC Amanah s records. e. HSBC Bank/HSBC Amanah reserve the right, at their sole discretion, to provide the Prize in any colour that is available. f. The Prize will only be couriered to the primary credit cardholder s address as maintained by HSBC Bank/HSBC Amanah. No mailing to another address other than the address on record will be allowed. HSBC Bank/HSBC Amanah will not entertain any request to deliver the Prize to an overseas address, a P.O. Box address and/or an address other than that maintained in HSBC s record. Winners with an overseas address shall nominate, by writing to HSBC Bank/HSBC Amanah, a proxy in Malaysia with a Malaysian address who will receive the Prize on behalf of the said Eligible Cardholder. g. HSBC Bank/HSBC Amanah reserves the right to substitute the Prize with any other item of similar value at any time with 3 days prior notice. h. HSBC Bank/HSBC Amanah will not be held liable for any mishaps, injuries or accidents that may occur in the course of redemption or usage of the Prize(s) received for this Promotion. i. Any loss or damage to the Prize is passed on to the Eligible Cardholder on delivery of the Prize to the Eligible Cardholder. j. HSBC Bank/HSBC Amanah do not in any way endorse, sanction, approve or support the use of the ipad Air 2 or the brand. k. To the fullest extent permitted by law, HSBC Bank/HSBC Amanah expressly excludes and disclaims any representations, warranties, or endorsements, express or implied, written or oral, including but not limited to, any warranty of quality, merchantability or fitness for a particular purpose in respect of the Prizes. l. The Prize does not include any accessories or items that are shown in the leaflet or website or any marketing materials, as they are for illustration purposes only. GENERAL TERMS & CONDITIONS 23. At the time of fulfilment of the Prize and during the Promotion Period, all the Participating HSBC Bank / HSBC Amanah Credit Card/-i Eligible Cardholders MUST NOT be delinquent, and/or invalid or cancelled within HSBC Bank / HSBC Amanah s definition, otherwise they will be disqualified from participating or receiving the Prize from this Promotion. 24. HSBC Bank / HSBC Amanah will not entertain any request from any Eligible Cardholders or any other person to fulfil the Prize to any third party other than the Eligible Cardholders.

25. HSBC Bank / HSBC Amanah shall not be held liable for any mishaps, injuries or accidents that may occur in the usage of the Prize received in this Promotion. 26. HSBC Bank / HSBC Amanah reserve the right to substitute the Prizes with any item of similar value at any time with 3 days prior notice. 27. HSBC Bank / HSBC Amanah reserves the right to publish or display the name, picture and city of residence of the Eligible Cardholders who have been selected to receive the Prize for this Promotion for advertising and publicity purposes. By participating in this Promotion, the selected Eligible Cardholders hereby consent to and agree that HSBC Bank / HSBC Amanah shall be at liberty to publish their names, pictures and city of residence without compensation for advertising and publicity purposes. 28. HSBC Bank / HSBC Amanah reserves the right at its absolute discretion to vary, delete or add to any of these Terms & Conditions with 3 days prior notice. These Terms and Conditions shall prevail over any provisions or representations contained in any other promotional materials advertising this Promotion. 29. HSBC Bank / HSBC Amanah may use any of the following modes to communicate notices in relation to this Promotion to the Eligible Cardholder: I. individual notice to the Eligible Cardholder (whether by written notice or via electronic means) sent to the Eligible Cardholder s latest address/email address as maintained in the HSBC Bank / HSBC Amanah s records; II. press advertisements; III. notice in the Eligible Cardholder s credit card statement(s); IV. display at its business premises; or V. notice on HSBC Bank / HSBC Amanah s internet website(s); where such notices shall be deemed to be effective on and from the 4th day after its delivery/publication/display as per the manner described herein. Save and except notices sent via ordinary mail which will be deemed delivered on the 3rd day after posting, notices sent via other modes as described herein are deemed delivered immediately after posting/publication/display. 30. These Terms and Conditions are in addition to the respective Universal Terms and Conditions ( UTCs ) for HSBC Bank and HSBC Amanah of which the respective Cardholder Agreements are a part of and which regulate the provision of credit card/-i facilities by HSBC Bank and HSBC Amanah. The UTCs are available at www.hsbc.com.my and www.hsbcamanah.com.my. In the event of inconsistency between these Terms and Conditions and the UTCs, these Terms and Conditions shall prevail in so far as they apply to this Promotion. 31. HSBC Bank / HSBC Amanah shall not be liable for any default due to any act of God, war, riot, strike, terrorism, epidemic, lockout, industrial action, fire, flood, drought, storm or any event beyond the reasonable control of HSBC. 32. HSBC Bank / HSBC Amanah reserve the right to cancel, terminate or suspend this Promotion with 3 days prior notice. For the avoidance of doubt, cancellation, termination or suspension by HSBC Bank / HSBC Amanah of this Promotion shall not entitle the Eligible Cardholder to any claim or compensation against HSBC Bank / HSBC Amanah for any and all losses or damages suffered or incurred by the Eligible Cardholder as a direct or indirect result of the act of cancellation, termination or suspension. 33. HSBC Bank and HSBC Amanah shall only be liable for any loss or damage suffered or incurred as a direct result of HSBC Bank s or HSBC Amanah s gross negligence and shall not be liable for any other

loss or damage of any kind such as loss of income, profit, goodwill or indirect, incidental, exemplary, punitive, consequential or special loss or damage howsoever arising, whether or not HSBC Bank or HSBC Amanah have been advised of the possibility of such loss or damage. 34. The Eligible Cardholder shall be personally responsible for all taxes, rates, government fees or any other charges that may be levied against them under applicable laws, if any, in relation to this Promotion. 35. HSBC Bank s / HSBC Amanah s decision on all matters relating to this Promotion including but not limited to the eligibility to participate, the selection of the recipient of the Prize for this Promotion, and in case of any dispute, shall be final and binding on all Eligible Cardholders who participate in this Promotion and no correspondence will be entertained. 36. By participating in this Promotion, the Eligible Cardholder agrees to be bound by these Terms and Conditions and the decisions of HSBC Bank / HSBC Amanah.