HSBC Multi Currency Savings Account Step Up Savers Bonus Interest Promotion ( Promotion ) Promotional Terms and Conditions
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- Cornelius Underwood
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1 HSBC Premier and HSBC Advance HSBC Multi Currency Savings Account Step Up Savers Bonus Interest Promotion ( Promotion ) Promotional Terms and Conditions 1. This Promotion is valid from 1 October 2012 to 31 December 2012, both dates inclusive or such other date(s) as may be determined by The Hongkong and Shanghai Banking Corporation Limited, Singapore Branch ( HSBC ) at its discretion ( Promotional Period ). 2. This Promotion is exclusive to customers who hold or successfully sign up for the following accounts (a) a valid HSBC Premier or Advance Account; and (b) a valid Multi Currency Savings Account referred to in Clause 3 below during the Promotional Period ( Customers ). 3. Only a valid Multi Currency Savings Account held in currencies of AUD or USD (each, an Eligible Currency and collectively, the Eligible Currencies ) is eligible for this Promotion ( Eligible Account ). 4. Each Customer who tops up his/her Eligible Account with at least additional $50,000 (in any of the above Eligible Currencies) in fresh funds (compared against ADB (as defined below) in Reference Month (as defined below)) and opts in via the Participation form during the Promotional Period will be eligible for this Promotion ( Eligible Customer ). Transfers from existing HSBC bank deposit accounts or via HSBC cheque(s), cashier s order(s) or demand draft(s) are not permitted. Participation form in this clause refers to the electronic or physical form which each Customer has to sign up to be eligible for this Promotion. Average Daily Balance or ADB means the sum of the day-end balances (in relation to an Eligible Account) for a calendar month divided by the number of days in that calendar month. For Customers who open new Eligible Account(s) during the Promotional Period, ADB for the Reference Month of such Eligible Account(s) is S$0. As an illustration using October 2012, Date Day End Account Balance 1 to 15 S$2,000 October (15 days) 16 to 31 October (16 days) S$3,000 Sum of day-end balances in August 2012 is (S$2,000x15days) + (S$3,000x16days) = S$78,000 No. of days in August 2012 is 31 ADB for June 2012 = S$75000/30days = S$ Reference Month means (in relation to an Eligible Account) September For each calendar month during the Promotional Period ( Relevant Month ), Eligible Customers will earn additional interest ( Bonus Interest ) on the Top-up Amount (as defined below) at the applicable rates set out in the table below ( each, a Bonus Interest Rate and collectively, the Bonus Interest Rates ), subject to a minimum Top-up Amount of $50,000 (in respective Eligible Currencies) and maximum Top-up Amount of $5,000,000 (in respective Eligible Currencies). For the avoidance of doubt, no Bonus Interest will be payable on the Top-up Amount after the Promotional Period.
2 Top-up Amount means the incremental ADB in the Eligible Account for the relevant calendar month compared against the ADB for the Reference Month of the Eligible Account. Top-up Amount (AUD) Bonus Interest Rates (% p.a) $50,000 to less than 1.5 $200,000 $200,000 $5,000, Top-up Amount (USD) Bonus Interest Rates (% p.a) $50,000 to less than 0.80 $200,000 $200,000 $5,000, 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 the Eligible Account will be computed daily and paid out monthly into the Eligible Account. 8. Bonus Interest will be credited into the Eligible Account in 1 lump sum in respective Eligible Currencies of the Top-up Amount in the month following the Relevant Month. 9. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal/individual accounts are eligible for the Promotion and terms and conditions governing personal deposit accounts will apply. 10. Bonus Interest Rates are subject to change. For HSBC Premier customers, please visit any of our HSBC Premier Centres or contact us at (or call-collect at if you are overseas ) for the latest Bonus Interest Rates. For HSBC Advance customers, please visit any of our branches or contact us at (or call-collect at if you are overseas) 11. All exchange transactions shall be effected at HSBC s prevailing exchange rate. Where HSBC is unable to provide a firm exchange rate quotation, HSBC 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 the Eligible Customer through the originating account or any account the Eligible Customer has with HSBC or by such other means as determined by HSBC. There may be a gain or loss when an Eligible Customer converts foreign currency. Eligible Customers are advised to make independent judgment with respect to any matter contained herein. For the avoidance of doubt, HSBC shall not be liable for any delay in effecting such conversion, instructions or transactions. 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." Gift 13. Each successful qualifying Eligible Customer will receive a Gift ( Gift ) as follows: (i) Each Eligible Customer who qualifies under Tier 1 will receive S$200 worth of Takashimaya shopping vouchers. (ii) Each Eligible Customer who qualifies under Tier 2 will receive S$100 worth of Takashimaya shopping vouchers. 14. The Gift will be sent to successful qualifying Eligible Customers via mail to the address in the bank s records by the following dates or such later date as HSBC notifies otherwise:
3 Meet criteria Between 1 October and 31 October 2012 Between 1 November and 30 November 2012 Between 1 December 2012 and 8 January 2013 Gift issuance Between 3 December and 7 December 2012 Between 7 January and 11 January 2013 Between 4 February and 8 February Each Eligible Customer is entitled to only one Gift under this promotion. 16. In the event that the HSBC Premier or HSBC Advance is closed within 6 month from the date of account opening, the Bank reserves the right to impose a fee equivalent to the total value of the Gift issued and debits the same from the customer's HSBC Premier or HSBC Advance Account. Gift Eligibility (For New-to- HSBC Premier and New-to-HSBC Advance Customers only) 17. Customers who have closed their HSBC Premier and/or HSBC Advance account in the last six months prior to (and inclusive of) the month the Promotional Period commences are not eligible for the Gift (referred to in Clause 13). 18. The Gift is applicable to Eligible Customers who reside in Singapore, successfully sign up for HSBC Premier or HSBC Advance during the Promotional Period and meet the criteria set out in Clause For Eligible Customers to successfully qualify for the Gift, one of the following criteria must be met by the date set out in Clause 21: a. Tier 1 Minimum fresh funds of S$200,000 placed in a new Eligible Account b. Tier 2 Minimum fresh funds of S$50,000 placed in a new Eligible Account. 20. The criteria referred to in Clause 19 for all Eligible Customers must be met with fresh funds only, using non-hsbc cheque(s) and/or cashier s order(s). Transfers from existing HSBC Bank deposit accounts or via HSBC cheques, cashier s orders or demand drafts are not permitted. 21. For Eligible Customers to qualify for the Gift below, they must meet the criteria set out herein by 8 January General terms and conditions 22. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal/individual accounts are eligible for the Promotion and terms and conditions governing HSBC Premier and the relevant products will apply. 23. The Gift is not exchangeable or replaceable for cash or items of equivalent value. No claims will be entertained and HSBC will not replace any Gift which is lost, defaced or damaged. The Gift is non-transferable and there are no cash alternatives. No cash refund will be made for the unused/remaining value of the Gift, vouchers or gift certificates. HSBC reserves the right to replace the Gift with other item(s) of similar value without prior notice. 24. Use of the Gift is subject to the terms and conditions of the merchant providing the relevant products and/or services. HSBC is not the supplier of the Gift and is not liable in relation to or in connection with the Gift in any manner whatsoever. 25. HSBC may, at its discretion, vary, delete or add to any of these Terms and Conditions, including but not limited to varying the Promotional Period for this Promotion or withdraw this Promotion at any time without notice or assuming any liability to any customers. HSBC's decision shall be final for any dispute arising under this Promotion.
4 HSBC Premier International HSBC Premier International Multi Currency Savings Account Step Up Savers Bonus Interest Promotion ( Promotion ) Promotional Terms and Conditions 1. This Promotion is valid from 1 October 2012 to 31 December 2012, both dates inclusive or such other date(s) as may be determined by The Hongkong and Shanghai Banking Corporation Limited, Singapore Branch ( HSBC ) at its discretion ( Promotional Period ). 2. This Promotion is exclusive to customers who hold or successfully sign up for the following accounts (a) a valid HSBC Premier Account; and (b) a valid Multi Currency Savings Account referred to in Clause 3 below during the Promotional Period ( Customers ). 3. Only a valid Multi Currency Savings Account held in currencies of AUD or USD (each, an Eligible Currency and collectively, the Eligible Currencies ) is eligible for this Promotion ( Eligible Account ). 4. Each Customer who tops up his/her Eligible Account with at least additional $50,000 (in any of the above Eligible Currencies) in fresh funds (compared against ADB (as defined below) in Reference Month (as defined below)) and opts in via the Participation form during the Promotional Period will be eligible for this Promotion ( Eligible Customer ). Transfers from existing HSBC bank deposit accounts or via HSBC cheque(s), cashier s order(s) or demand draft(s) are not permitted. Participation form in this clause refers to the electronic or physical form which each Customer has to sign up to participate in this Promotion. Average Daily Balance or ADB is the sum of the day-end balances (in relation to an Eligible Account) for a calendar month divided by the number of days in that calendar month. For Customers who open new Eligible Account(s) during the Promotional Period, ADB for the Reference Month of such Eligible Account(s) is S$0. As an illustration using August 2012, Date Day End Account Balance 1 to 15 August(15 days) S$2, to 31 August (16 S$3,000 days) Sum of day-end balances in August 2012 is (S$2,000x15days) + (S$3,000x16days) = S$78,000 No. of days in August 2012 is 31 ADB for June 2012 = S$75000/30days = S$ Reference Month means (in relation to an Eligible Account) September For each calendar month during the Promotional Period ( Relevant Month ), Eligible Customers will earn additional interest ( Bonus Interest ) on the Top-up Amount (as defined below) at the applicable rates set out in the table below ( each, a Bonus Interest Rate and collectively, the Bonus Interest Rates ), subject to a minimum Top-up Amount of $50,000 (in respective Eligible Currencies) and maximum Top-up Amount of $5,000,000 (in respective Eligible Currencies). For the avoidance of doubt, no Bonus Interest will be payable on the Top-up Amount after the Promotional Period. Top-up Amount means the incremental ADB in the Eligible Account for the relevant calendar month compared against the ADB for the Reference Month of the Eligible Account. Top-up Amount (AUD) Bonus Interest Rates (% p.a) $50,000 to less than $200, $200,000 $5,000,
5 Top-up Amount (USD) Bonus Interest Rates (% p.a) $50,000 to less than $200, $200,000 $5,000, 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 the Eligible Account will be computed daily and paid out monthly into the Eligible Account. 8. Bonus Interest will be credited into the Eligible Account in 1 lump sum in respective Eligible Currencies of the Top-up Amount in the month following the Relevant Month. 9. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal/individual accounts are eligible for the Promotion and terms and conditions governing personal deposit accounts will apply. 10. Bonus Interest Rates are subject to change. For HSBC Premier customers, please visit any of our HSBC Premier Centres or contact us at (or call-collect at if you are overseas ) for the latest Bonus Interest Rates. For HSBC Advance customers, please visit any of our branches or contact us at (or call-collect at if you are overseas) 11. All exchange transactions shall be effected at HSBC s prevailing exchange rate. Where HSBC is unable to provide a firm exchange rate quotation, HSBC 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 the Eligible Customer through the originating account or any account the Eligible Customer has with HSBC or by such other means as determined by HSBC. There may be a gain or loss when an Eligible Customer converts foreign currency. Eligible Customers are advised to make independent judgment with respect to any matter contained herein. For the avoidance of doubt, HSBC shall not be liable for any delay in effecting such conversion, instructions or transactions. 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." Gift 13. Each successful qualifying Eligible Customer will receive a Gift ( Gift ) as follows: (i) Each Eligible Customer who qualifies will receive US$150 direct cash credit into their HSBC Premier Account. 14. The cash credit will be accorded to successful qualifying Eligible Customers by the following dates or such later date as HSBC notifies otherwise: Meet criteria Between 1 October and 31 October 2012 Between 1 November and 30 November 2012 Between 1 December 2012 and 8 January 2013 Cash Credit Between 3 December and 7 December 2012 Between 7 January and 11 January 2013 Between 4 February and 8 February Each Eligible Customer is entitled to only one Gift under this promotion.
6 16. In the event that the HSBC Premier Account is closed within 6 month from the date of account opening, the Bank reserves the right to impose a fee equivalent to the total value of the Gift issued and debits the same from the customer's HSBC Premier Account. Gift Eligibility (For New-to- HSBC Premier International Customers only) 17. Customers who have closed their HSBC Premier account in the last six months prior to (and inclusive of) the month the Promotional Period commences are not eligible for the Gift (referred to in Clause 13). 18. The Gift is applicable to Eligible Customers who reside outside Singapore, successfully sign up for HSBC Premier International during the Promotional Period and meet the criteria set out below. 19. For Eligible Customers to qualify for the Gift, they must ensure that fresh funds of at least S$200,000 are placed in a new HSBC Multi Currency Savings Account by 8 January The Criteria must be met with fresh funds only, using non-hsbc cheque(s) and/or cashier s order(s). Transfers from existing HSBC Bank deposit accounts or via HSBC cheques, cashier s orders or demand drafts are not permitted. General terms and conditions 21. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal/individual accounts are eligible for the Promotion and terms and conditions governing HSBC Premier and the relevant products will apply. 22. The Gift is not exchangeable or replaceable for cash or items of equivalent value. No claims will be entertained and HSBC will not replace any Gift which is lost, defaced or damaged. The Gift is non-transferable and there are no cash alternatives. No cash refund will be made for the unused/remaining value of the Gift, vouchers or gift certificates. HSBC reserves the right to replace the Gift with other item(s) of similar value without prior notice. 23. Use of the Gift is subject to the terms and conditions of the merchant providing the relevant products and/or services. HSBC is not the supplier of the Gift and is not liable in relation to or in connection with the Gift in any manner whatsoever. 24. HSBC may, at its discretion, vary, delete or add to any of these Terms and Conditions, including but not limited to varying the Promotional Period for this Promotion or withdraw this Promotion at any time without notice or assuming any liability to any customers. HSBC's decision shall be final for any dispute arising under this Promotion.
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