HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit

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1 HSBC Customer Service Centre Go to hsbc.com.au/debit Call from Australia from Overseas 24 hours a day, 7 days a week ^Visa Zero Liability subject to investigation of unauthorised transaction. +home&away Privilege Program terms and conditions. Issued by HSBC Bank Australia Limited ABN AFSL This advertisement provides general advice only and doesn t take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) before acquiring this product, available by calling , at your local branch or at HBAAVDC001-R Making the most of your card

2 Get started with your Ensure the security of your card Congratulations on choosing the HSBC Visa Debit Card to access your HSBC account(s). Enjoy the convenience of shopping online, over the phone or accessing your money in over 170 countries around the world, wherever Visa is accepted. Your new card gives you access to more ATMs and enables you to make purchases all over the world using your own money, and all with no application or annual card fees. Other fees and charges apply. This User Guide contains important information on activating and using your new card, bringing you greater convenience, flexibility and security. The protection of your is a high priority. To help protect your card from fraudulent activity: Sign your card as soon as you receive it Keep your PIN secure do not store your PIN with your card, don t tell anyone your PIN and make sure you prevent anyone from seeing your PIN Check your statements and transactions regularly on Internet Banking and Phone Banking to identify any fraudulent activity or transactions you don t recognise Inform us straight away if you identify any fraud or want to dispute a transaction Activate your card Before you can use your, you will need to activate it. For security reasons your card is sent inactive. Follow these simple steps to activate your card 1. Call (or from overseas) 2. Enter your Account Number printed on the back of your card or your Personal Banking Number 3. Enter your 6 digit Access Code and follow the prompts. New customers will be prompted to create a 6 digit Access Code. If you don t know or have forgotten your access code, simply follow the instructions during the call. Alternatively, you can activate your card at any HSBC branch.

3 Your card number Use your card number when making purchases online, by phone, mail, or for bills and recurring payments. Worldwide acceptance Your card is accepted at over 30 million merchants and 1.4 million ATMs in over 170 countries worldwide, wherever the VISA symbol is displayed. Visa paywave Use the faster way to pay with your HSBC paywave enabled Visa Debit Card. For transactions under $100, simply wave and go and you ll be on your way quicker in four simple steps. Step 1 Look for the contactless symbol on the terminal Enhanced security The embedded chip helps protect and secure your personal information. Visa paywave Your new card has Visa paywave contactless payment technology, which means you don t have to enter your PIN or sign to authorise transactions under $100. Step 2 The cashier enters the purchase amount, and it s displayed for you to see. Contact in Australia Use this phone number to contact us about your card or account when you are in Australia. Contact when overseas Use this phone number to contact us about your card or account when you are overseas. 000 Step 3 When asked, wave your card over the reader, no more than 4cm away. Australia Post Agency Banking Make withdrawals and deposits into your account at any Australia Post outlet. Signature Sign your card immediately for your security. CVV number This number may be required when you make purchases over the phone or online. Step 4 The terminal will indicate the transaction is complete normally in just a few seconds. You can then choose to have a receipt printed.

4 Using your card in Australia To make purchases in-store When making in-store purchases insert your card, press Credit and enter your PIN to complete the transaction. Alternatively, use Visa paywave to make contactless purchases under $100. The EMV chip gives added security helping to protect your personal information and by pressing Credit you have the added protection of Visa s Zero Liability^ covering you against fraud. To make purchases online, by phone and mail Shopping with the convenience of Visa using your own money is easy. You can use your HSBC Visa Debit Card everywhere Visa is accepted, including making purchases online, over the phone and by mail. Simply provide your 16 digit card number when prompted to make purchases. If you re asked for the CVV number this is the 3 digit number on the reverse of the card, so have your card handy. Accessing your accounts Here s a quick reference on how to access your accounts. We recommend you always press Credit rather than Savings when purchasing in-store to get the most out of your. Type of transaction Account access In Australia press ATM Access in Australia Access over 3,000 ATMs around Australia with no ATM fee using your, including all HSBC, Westpac, St.George, BankSA and Bank of Melbourne ATMs. To locate your nearest ATM, download the HSBC Banking App available on iphone and Android or visit hsbc.com.au/locations Direct debits and recurring payments You can pay your bills, set up recurring payments or direct debits using your 16 digit number. You may also need to provide your name as it appears on the card, the card expiry date and CVV number located on the reverse of the card. Remember, if you receive a new with a different card number, you will need to update your card details for any recurring payments and direct debits. Just contact the merchant or debiting organisation and they will change their records accordingly. Daily limits Your has the following daily limits: Type of transaction Daily Visa Debit Purchase Limit amount $10,000 $500 if under 18 years of age For, online, phone, mail and overseas ATM Cash Withdrawal Purchase Primary Account Secondary Account Primary Account Secondary Account Credit or Savings Cheque Credit or Savings Cheque Daily Withdrawal $1,000 $100 if under 18 years of age ATM cash withdrawals and in-store cash out Cashout Primary Account Secondary Account Savings Cheque

5 Using your card overseas Global access Your gives you access to your money at more than 1.4 million ATMs that display the Visa logo and is accepted by Visa s 30 million merchants. HSBC also has a network of over 20,000 ATMs globally which you can continue to access with your HSBC Visa Debit Card. Make purchases in-store When making in-store purchases insert your card, press Credit and enter your PIN to complete the transaction. The EMV chip gives added security helping to protect your personal information and by pressing Credit you have the added protection of Visa s Zero Liability^ covering you against fraud. Withdrawing cash at ATMs You can withdraw cash at any ATM around the world that displays the Visa or Plus logo. Just insert your card and enter your PIN for access to local currency. Accessing your accounts When overseas, you must press Credit to access funds in your Primary Account. Access to any linked secondary accounts is only available in Australia. Please ensure you have sufficient funds in the account before you leave. Type of transaction Account access Overseas press Link multiple accounts to your Your gives you the flexibility to link up to two HSBC accounts to your card. To add a second account to your or change your linked secondary account, simply contact HSBC. Added security Visa s Zero Liability^ With Visa s Zero Liability^ you are covered for any fraudulent or unauthorised transactions. You can use your card with no risk of loss as you are covered against proven fraud to which you did not contribute. Card chip technology s have an embedded EMV chip which makes it harder to copy and alter, helping to protect your personal information and keeping your card secure. Reporting fraudulent or incorrect transactions If you suspect any fraudulent activity on your card, you should contact HSBC Customer Service Centre immediately on (or if overseas), 24 hours a day, 7 days a week. ATM Cash Withdrawal Purchase Cashout Primary Account Credit Secondary Account - Primary Account Credit Secondary Account - Primary Account - Secondary Account - You can dispute any incorrect transactions you find. Report transactions within 30 days from the date they are posted. HSBC will investigate and may be able to chargeback the Visa transaction for you. For more information on disputes visit hsbc.com.au/debit

6 Changing your PIN You are issued with a PIN when you get your card. Your PIN can be changed at any HSBC ATM in Australia. HSBC ATM locations can be found at hsbc.com.au/locations Replacing your You can contact HSBC 24 hours a day, 7 days a week if your card is lost, stolen or damaged. For lost and stolen cards, you will be issued with a new card number and PIN. For damaged cards, you will be issued with the same card number and keep the same PIN. Replacing cards Lost, stolen, or damaged cards Expired cards Contacting HSBC in Australia (or if overseas) Re-issued every 3 years, 1 month before expiry The HSBC home&away Privilege Program + is yours to enjoy With your you have access to the HSBC home&away Privilege Program +. This allows you to receive instant discounts on shopping, entrainment, travel, and more simply by using your card. More information Why is my current balance and available balance different? The available balance shows funds that are ready for you to use straight away. The current balance may include card authorisations waiting to be processed or cheques to be cleared. What are card authorisations? Some merchants may check that you have sufficient funds in your account to pay the final bill usually car rentals or hotels. They send an authorisation to HSBC and on approval, some of your account balance is placed on hold for the future transaction to be processed against. This will mean that your available balance and current balance may be different until the transaction is finalised. These card authorisations will hold funds in your account for up to 8 days. Can I overdraw my account? In some circumstances transactions may overdraw your account. You should make a deposit to your account as soon as possible if this occurs. For more information Go to hsbc.com.au/debit Call from Australia from Overseas 24 hours a day, 7 days a week You can enjoy this range of offers and exclusive experiences at over 27,000 merchants in 160 countries around the world. Best of all, you can take advantage of these exclusive offers as often as you like. To discover more, visit hsbc.com.au/homeandaway