Complete the attached direct debit form and provide it to your retailer or send it to HSBC directly, using the address details on the form.

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1 Date Name Address Dear Name Welcome Thank you for choosing HSBC for your interest free purchase at merchant name. As part of your interest free purchase, you will be provided with a Visa credit card that will be mailed to you in the next few days. Your new card has some great features that you will be able to access, including: A credit limit of Credit Limit Interest free purchases of up to 5 years at participating retailers* covering home entertainment, whitegoods and furniture. A list of retailers is available at 55 days interest free on everyday purchases, such as groceries and petrol wherever you see the Visa symbol A variety of convenient repayment options including: BPay, Australia Post, Direct Debit & HSBC branches Who is HSBC? HSBC is one of the world s largest banking and financial services organisations. In Australia, HSBC offers an extensive range of financial services through a network of 35 branches and offices. This includes credit cards, mortgages, savings and transactional accounts, insurances and financial planning. For more information about our competitive range of products visit Repayments are easy with Direct Debit Complete the attached direct debit form and provide it to your retailer or send it to HSBC directly, using the address details on the form. Look out for your PIN Your PIN will be mailed to you a few days after you receive your Card. You will be able to use your PIN to authorise purchases and for cash advances at ATMs. For security reasons, please do not keep your PIN together with your Card. Any questions? If you have any questions about your new card or interest free purchase, please call us on Yours sincerely David Walker Head of Cards and Retail Alliances * Available at participating retailers only. Minimum purchase and conditions apply. Interest payable after interest free period expired. Subject to your available credit limit. Fees and charges may apply. HSBC Bank Australia Limited ABN GPO Box 4263, Sydney NSW 2001 Tel: or

2 Borrower: Address: HSBC Classic Credit Card Schedule 55 Days Interest Free Name( you ) Address Disclosure date: The information in this schedule is current as at Date This schedule does not contain all the terms of this contract or all the information we are required by law to give you before this contract is made. Further terms and information are contained in the booklet called "HSBC s Credit Card Conditions of Use". The meaning of words printed like this and some other key words is explained in the Meaning of Words clause at the beginning of the Conditions of Use booklet. Credit limit Annual percentage rate Interest Free Period for Merchant Special Promotion Maximum duration of any interest free days on purchases Minimum repayments Credit fees and charges Credit Limit Financial Table The annual percentage rates, which are determined by us from time to time in respect of each unpaid daily balance are currently as follows: Unpaid daily balance* Annual percentage rate: Purchases x% Cash Advances x% During a special promotion period, any amounts which constitute a special promotion are not included in the unpaid balance. At the end of any special promotion period, any outstanding amounts from balance transfers or merchant point of sale interest free promotions will form part of the unpaid balance and accrue interest at the cash advance annual percentage rate. There is an interest free period on your account of up to 55 days on purchases. You must pay the minimum repayment shown on each statement on or before the due date. The minimum repayment is the greater of: 3% of the closing balance rounded down to the nearest dollar; or However, if the minimum repayment would otherwise be greater than the closing balance, the minimum repayment is the closing balance. In addition, you must pay any amount in excess of the credit limit and any amount shown on the statement as overdue. These amounts are due and payable immediately. Unless stated otherwise, the following charges are payable on provision of the service and are debited to your account at that time. Annual charge debited on the first statement after a user first conducts a transaction on their account and then each 12 monthly anniversary of that date. This is the fee for us to service your account in the next twelve month period or, if your account is closed in that time, such lesser period. Overlimit Arrangement Fee payable when your informal request for a credit limit increase is agreed. Late Payment Reminder Fee - payable on or after the day an amount is due for payment and has not been paid. If you make a payment before we are able to remind you, you will be able to use this service anytime before the next due date. Card replacement charge not charged on first lost/stolen replacement each 12 months Urgent Card replacement charge based on destination per request Overseas Card replacement charge based on destination per request Overseas transaction charge - payable when you make a transaction on your account in a currency other than Australian dollars, or you make a transaction on your account in any currency (including AUD) that is processed by the card scheme or billed by the merchant outside of Australia Statement request charge per statement (payable when you request a statement or copy of a statement in addition to the regular statement we give you under the Conditions of Use) x % of the total value amount of each such transaction Page 1 of 2

3 HSBC Payment Fee (via PostBillPay) - payable to HSBC when you make a payment at Australia Post Sales voucher retrieval charge per request Cash advance usage charge per activity The higher of x or x% of the total transaction amount (including any fees and charges imposed by us or a third party to effect the transaction) Disputed item charge per disputed item not resolved in your favour Return Fee per return payable when payments to your account are returned. Reinstatement charge - payable when you request us (and we agree) to reinstate your Card or your account if it has been cancelled or suspended Product transfer charge per request for changes to Card type or interest-free period Foreign Currency conversion charge for payments made in foreign currencies x% of the AUD amount of each payment Changes we can make without your consent Commission: Transaction Limits Credit Balance Under this contract, any of the information which is stated above may be changed without your consent except that we cannot increase the credit limit unless it is at your request and with your written consent. We will notify you or advertise the changes as set out in the Conditions of Use booklet. A Commission of Commission Amount for the introduction of credit business will be paid by HSBC to Merchant s Name. We may also pay commission to merchants for the introduction of credit business for your subsequent purchases. The amount of that commission is unascertainable. Cash at ATMs The daily ATM limit is x per account. Purchases For purchases where your account does not have a credit balance and for cash advances, the maximum amount you can withdraw at any time is the amount of the available funds in your account, which cannot exceed the credit limit. If your account has a credit balance you may access the total available funds in your account, but the maximum amount you can access for a single purchase transaction is your credit limit. To access the credit balance you will need to effect a further transaction. The cash amount outstanding at any time cannot exceed your credit limit. Offer by HSBC Bank Australia Limited We offer to provide you with a Credit Card account on the terms set out in this schedule and HSBC s Credit Card Conditions of Use booklet. You will be taken to have accepted and agreed with the terms of this offer when you either sign, activate or first use your credit card or otherwise authorise the operation of your account. David Walker Head of Cards and Retail Alliances for HSBC Bank Australia Limited ABN Sales voucher - Promotional purchase details (to be completed by store) Merchants details: Date of transaction: Special promotion term: Description of Goods or Services: Merchant Name, Store, Suburb Sale Date Total Amount payable to merchant AUD Promotional Term Product Description Page 2 of 2

4 Acknowledgment & Authorisation of Purchase Form Please fax completed form to HSBC on Borrower s acceptance I, of confirm that I have received a copy of HSBC s Credit Card Conditions of Use booklet and the Financial Schedule and authorise the transaction to my credit card account for the purchase described in the Sales Voucher below.. Signature of borrower.. /.. /... Date Merchant s declaration I, certify that I have sighted an original driver s licence and/or identification documents of the applicant as detailed below and have witnessed their signature. Signature of sales person.. /.. /... Date Sales voucher - Promotional purchase details (to be completed by store) Date of transaction: Special Promotion Term: Description of Goods or Services: Commission Payable to Merchant by HSBC: Merchant s Details: Merchant No.: HSBC Reference No.: Merchant Reference No.: Total Amount financed by HSBC payable to the Merchant: Sale Date Promotion Description Product Description Commission Amount Merchant name, Store and Address Merchant Number Application ID AUD sale amount Please note where the borrower is receiving the goods / services in the future, please indicate date of delivery: / /, otherwise leave blank. Borrower s identification details Primary Photo Identification Document Type Applicant s Name Document Number Date of Birth Place of Issue Expiry Date Secondary Identification Document Type Applicant s Name Document Number Date of Birth Place of Issue Expiry Date 1 2 HSBC s copy

5 Direct Debit Authorisation Form Please fax completed form to HSBC on Cardholder s Name: HSBC Reference Number: Customer s Name Application ID Complete this section to arrange automated payments to your HSBC Credit Card. Automatic monthly deductions are made from your chosen account. Choose which portion of the bill you would like paid automatically each month. If you fail to tick the portion of the bill you wish to pay monthly, we will automatically process the minimum payment due option unless otherwise notified. Additional payments made between your statement date and due date may be deducted from your direct debit amount. Pay the minimum monthly payment due Pay a fixed amount each month (Note: If your minimum monthly repayment is greater than the fixed amount, the minimum payment due amount will be paid. If the account balance is less than the fixed amount, the account balance will be paid.) Please note you will need to continue to make manual payments until you receive confirmation from us that your Direct Debit facility has been set up. In accordance with the Terms and Conditions of my HSBC Credit Card account and subject to the terms and conditions of the Direct Debit Request Service Agreement (contained in your HSBC Credit Card Conditions of Use) and any further instructions provided in this Direct Debit Request, I/we request and authorise HSBC Bank Australia Limited (user ID no ) to debit my/our nominated account below though the Bulk Electronic Clearing System and pay to my/our HSBC Credit Card account the amount due under my/our HSBC Credit Card contract each month in accordance with my/our instructions set out under REGULAR PAYMENT OPTIONS. The debit payment is to continue to operate at monthly intervals commencing on the date set out above. If the HSBC Credit Card contract has not been settled by the date indicated above we will effect the debit payment after settlement the following month. Name and address of financial institution Nominated account holder(s) name(s) BSB no Account no Signatures Before signing this section, please read the Direct Debit Request Service Agreement (provided at the time of account approval and contained in your HSBC Credit Card Conditions of Use or online at Your signature below will acknowledge you have read, understood and accepted the terms and conditions governing the debit arrangements as set out in this request and in your Service Agreement and confirm that the details on the form have been checked and are correct. Signature Date Signature Date HSBC s copy

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