TERMS & CONDITIONS HSBC Start Today Acquisition Campaign 2 ( Promotion )

TERMS & CONDITIONS HSBC Start Today Acquisition Campaign 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, both collectively referred to as HSBC. THE PROMOTION PERIOD 2. The Promotion comprises of the following periods:- a. Sign-Up Period is defined as the period when the customer applies for a primary/supplementary Participating HSBC Bank/HSBC Amanah Credit Cards/-i through HSBC Bank s/hsbc Amanah s mobile sales team/branch/telesales channel/website. Sign-up Period runs from 1 st March 2016 to 31 st March 2016, both dates inclusive ( Sign-Up Period ); and b. Spend Activation Period is defined as 60 days from the date of the welcome letter ( Spend Activation Period ); (hereinafter collectively referred to as the Promotion Period ). ELIGIBILITY 3. The Promotion is open to the following:- i. New-to-HSBC Credit Card/-i Primary ( New Primary ); ii. Existing-to-HSBC Credit Card/-i Primary who currently holds an existing HSBC Bank/HSBC Amanah Credit Card/-i ( Existing Primary ); iii. New-to HSBC and existing-to HSBC Credit Card/-i Supplementary who currently holds an existing HSBC Bank/HSBC Amanah Credit Card/-i ( Supplementary ); Who is a Malaysian resident who, during the Promotion Period, applies for any one or more of the following primary/supplementary HSBC Credit Card/-i(s): a. HSBC Bank Credit Cards: HSBC Premier World MasterCard Credit Card, HSBC Visa Signature Credit Card, HSBC Advance Visa Platinum Credit Card, HSBC Visa Platinum Credit Card, HSBC Visa Reward Credit Card issued by HSBC Bank; and b. HSBC Amanah Credit Card-i(s): HSBC Premier World MasterCard Credit Card-i,, HSBC Amanah MPower Platinum Credit Card-i, HSBC Amanah MPower Credit Card-i issued by HSBC Amanah; (hereinafter referred to as the Participating HSBC Bank/HSBC Amanah Credit Cards/-i ) And excludes the following categories of persons who are not eligible to participate in the Promotion: a. s(s) who have cancelled his/her HSBC Credit Card/-i(s) within three (3) months before the date of application and is/are applying or re-applying for any Participating HSBC Bank/HSBC Amanah Credit Cards/-i under the Promotion; b. (s) who applied for an HSBC Bank/HSBC Amanah Credit Cards/-i in the past 6-months; c. (s) who have participated or are participating in any other concurrent credit card sign-up promotions by HSBC Bank and/or HSBC Amanah; d. 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 e. Holder(s) of company and/or corporate HSBC Bank/ HSBC Amanah Credit Cards/-i, (hereinafter collectively referred to as the Eligible s ). Note: Eligible s are divided into 3 categories as follows: i. Category 1 : New Primary s of HSBC Premier World MasterCard Credit Card, HSBC Amanah Premier World MasterCard Credit Card-i and HSBC Visa Signature Credit Card ii. Category 2 : New Primary s of HSBC Advance Visa Platinum Credit Card, HSBC Visa Platinum Credit Card, HSBC Visa Reward Credit Card, HSBC Amanah MPower Platinum Credit Card-i and HSBC Amanah MPower Credit Card-i iii. Category 3 : Existing Primary s of HSBC Premier World MasterCard Credit Card, HSBC Amanah Premier World MasterCard Credit Card-i and HSBC Visa Signature Credit Card, HSBC Advance Visa Platinum Credit Card, HSBC Visa Platinum Credit Card, HSBC Visa Reward Credit Card, HSBC Amanah MPower Platinum Credit Card-I and HSBC Amanah MPower Credit Card-i

Primary Primary New to HSBC Supplementary Existing to HSBC Primary New to HSBC PARTICIPATION CRITERIA 4. Eligible s must during the Promotion Period:- a. Apply for any Primary/Supplementary Participating HSBC Bank/HSBC Amanah Credit Card/-i through HSBC Bank s/hsbc Amanah s mobile sales team/branch/telesales channel/website; b. Call to activate the Participating HSBC Bank/HSBC Amanah Credit Card/-i after receiving the newly approved card; and c. Use the Participating HSBC Bank/HSBC Amanah Credit Card/-i on Eligible Spend as per Clause 6 below (after activating it) for the Welcome and Weekly Offers, or take up Cash Instalment Plan ( CIP ) subject to Clause 5(B)(i) below for the Step Up Offer. THE OFFERS AND FULFILMENT CONDITIONS 5. Offers A, B and C under this Promotion are separate and distinct, with different Criteria to be fulfilled by the Eligible s as in Table 1 below: TABLE 1: LIST OF OFFERS No Type Eligible Offer Criteria Category 1 RM400 Eligible Spend of RM3,000 including Cash Advance/Retail spend/balance Transfer* (accumulated/single receipt) as defined in Clause 6 below during the Spend Activation Period Maximum Units/RM 1,000 A Welcom e Offer Category 2 Category 3 RM250 RM150 Eligible Spend of RM1,500 including Cash Advance/Retail Spend/Balance Transfer* (accumulated/single receipt) as defined in Clause 6 below during the Spend Activation Period Eligible Spend of RM1,500 including Cash Advance/Retail Spend/Balance Transfer* (accumulated/single receipt) as defined in Clause 6 below during the Spend Activation Period 3,000 2,000 Supplementary RM50 Eligible Spend of RM500 on Retail Spend (accumulated/single receipt) as defined in Clause 6 below during the Spend Activation Period 1,500 B Step Up Offer Category 1 & 2 s Up to RM488 Take up a Cash Instalment Plan ( CIP ) of a minimum of RM1,000 accumulated/single transaction during the Spend Activation Period RM100,040 C Usage Offer Category 1 & 2 s Up to RM150 Swipe at least three (3) times per Participating Week with a minimum of RM50 or equivalent per swipe RM17,000

A. WELCOME OFFER i. RM400 for Category 1 s ( RM400 ) a. Category 1 s stand to receive RM400 when he/she uses his/her primary Participating HSBC Bank/HSBC Amanah Credit Card/-i to meet the Criteria in Table 1 above whether made in a single receipt or accumulated receipts within 60 days from the date of the welcome letter ( Spend Activation Period ). b. Each Category 1 is entitled to receive only one (1) unit of RM400 throughout the Promotion Period on a first-come, first-served basis, subject to availability. For avoidance of doubt, if a Category 1 applies for two (2) primary Participating HSBC Bank/ HSBC Amanah Credit Card/-i and satisfies the respective criteria in Clause 5(A)(i) on both cards, the Category 1 will only be entitled to one (1) unit of RM400. c. The RM400 will be credited into the Category 1 s Participating HSBC Bank/HSBC will be reflected in the Eligible s credit card statement in the following month. For avoidance of doubt, the RM400 will be credited to the Participating HSBC Bank/HSBC Amanah Credit Card/-i that met the Criteria as per Table 1 d. The maximum number of of RM400 to be given out under this Promotion is listed in Table 1 ii. iii. RM250 for Category 2 s ( RM250 ) e. Category 2 s stand to receive RM250 when he/she uses his/her primary Participating HSBC Bank/HSBC Amanah Credit Card/-i to meet the Criteria in Table 1 above whether made in a single receipt or accumulated receipts within 60 days from the date of the welcome letter ( Spend Activation Period ). f. Each Category 2 is entitled to receive only one (1) unit of RM250 throughout the Promotion Period on a first-come, first-served basis, subject to availability. For avoidance of doubt, if a Category 2 applies for two (2) primary Participating HSBC Bank/ HSBC Amanah Credit Card/-i and satisfies the respective criteria in Clause 5(A)(i) on both cards, the Category 2 will only be entitled to one (1) unit of RM250. g. The RM250 will be credited into the Category 2 s Participating HSBC Bank/HSBC will be reflected in the Eligible s credit card statement in the following month. For avoidance of doubt, the RM250 will be credited to the Participating HSBC Bank/HSBC Amanah Credit Card/-i that met the Criteria as per Table 1 h. The maximum number of of RM250 to be given out under this Promotion is listed in Table 1 RM150 for Category 3 s ( RM150 ) a. Category 3 s stand to receive RM150 when he/she uses his/her newly approved primary Participating HSBC Bank/HSBC Amanah Credit Card/-i to meet the Criteria in Table 1 above whether made in a single receipt or accumulated receipts within 60 days from the date of the welcome letter ( Spend Activation Period ). b. Each Category 3 is entitled to receive only one (1) unit of RM150 throughout the Promotion Period on a first-come, first-served basis, subject to availability. For avoidance of doubt, if a Category 3 applies for two (2) primary Participating HSBC Bank/ HSBC Amanah Credit Card/-i and satisfies the respective criteria in Clause 5(A)(ii) for both cards, the Category 3 will only be entitled to one (1) unit of RM150. i. The RM150 will be credited into the Category 3 s Participating HSBC Bank/HSBC will be reflected in the Eligible s credit card statement in the following month. For avoidance of doubt, the RM150 will be credited to the Participating HSBC Bank/HSBC Amanah Credit Card/-i that met the Criteria as per Table 1 c. The maximum number of of RM150 to be given out under this Promotion is listed in Table 1

iv. RM50 for Supplementary s ( RM50 ) a. Supplementary s stand to receive RM50 when they use their supplementary Participating HSBC Bank/HSBC Amanah Credit Card/-i to meet the Criteria in Table 1 above whether made in a single receipt or accumulated receipts within 60 days from the date of the welcome letter ( Spend Activation Period). b. Each Supplementary is entitled to receive ONE (1) unit of RM50, capped at a maximum of RM50 per Participating HSBC Bank/HSBC Amanah Credit Card/-i, on a first-come, first-served basis, subject to availability. c. The RM50 will be credited into the Eligible s primary Participating HSBC Bank/HSBC will be reflected in the Eligible s credit card statement in the following month. For avoidance of doubt, the will be fulfilled to the Participating HSBC Bank/HSBC Amanah Credit Card/-i that met the Criteria as per Table 1 d. The maximum number of of RM50 to be given out under this Promotion is listed in Table 1 B. STEP UP OFFER i. Up to RM488 for Category 1 and 2 ( Step Up Offer ) a. Category 1 and 2 s who take up a CIP stand to receive under this Step Up Offer, with a minimum CIP amount of RM1,000 and the shall be 4.88% of the CIP amount taken (accumulated/ single transaction). This is subject to the Category 1 and 2 maintaining good and prompt payment on all of his/her credit card/-i accounts, not defaulting and/or cancelling/ settling the CIP early and/or closing any Primary or Supplementary credit card/-i accounts in the first 12 months of the CIP tenure. b. Each Category 1 and 2 is entitled to receive the, capped at a maximum of RM488 per Participating HSBC Bank/HSBC Amanah Credit Card/-i, on a first-come, first-served basis, subject to availability and to be credited to his/her Participating HSBC Bank/HSBC Amanah Credit Card/-i account based on approval date of the CIP application. c. The will be credited into the Category 1 and 2 s Participating HSBC Bank/HSBC Amanah Credit Card/-i account in the 13 th month of the approved CIP and this will be reflected in the Category 1 and 2 s respective Participating HSBC Bank/HSBC Amanah Credit Card/-i statement in the following month. If the Category 1 and 2 has taken up multiple CIP, the will be credited in the 13 th month of each approved CIP, subject to the maximum entitlement under this Step Up Offer. d. The maximum amount of for this Step Up Offer to be given out under this Promotion is listed in Table 1 6. Eligible Spend for the Promotion are those that are charged to the Eligible s Participating HSBC Bank/HSBC Amanah Credit Cards/-i during the Spend Activation Period subject to Clauses 3, 4 & 5 above; and For Category 1, 2 and 3 s, it: (a) Includes: 0% instalment plans, Balance Transfer ( BT )*, CIP, Internet transactions, local and overseas retail transactions, Cash Advance, standing instructions/auto-billing; and (b) Excludes: finance charges/ management fees, annual fee and goods and services tax; For Supplementary s, it: (a) Includes: 0% instalment plans, Internet transactions, local and overseas retail transactions; and (b) Excludes: Balance Transfer ( BT ), Cash Instalment Plan ( CIP ), finance charges / management fees, annual fee and goods and services tax; *For clarity, the Balance Transfer (BT) plans that Eligible s can take up under this Promotion are: i. Amended HSBC Balance Transfer Programme 2015 at 0% interest rate p.a. for 6 months Terms and Conditions Categories 1 and 2 s will enjoy 0% interest/management fee per annum for 6 months. The minimum and maximum amounts are RM1,000 up to 60% of the Eligible s unutilised HSBC Credit Card/-i limit capped at RM75,000. ii. Amended HSBC Balance Transfer Plan Programmer 2016 (A) at 0% p.a. for 3 months & 1.99% p.a. for 6 months Terms and Conditions apply- Eligible s who have been holding an HSBC Bank/HSBC Amanah Credit Card/-i for not more than 6 months may apply and will enjoy 0% interest/management fee per annum for 3 months or 1.99% interest/management fee per annum for 6 months. The minimum and maximum amounts are RM1,000 up to 60% of the Eligible s unutilised HSBC Credit Card/-i limit. (hereinafter collectively referred to as the Eligible Spend ).

7. The tracking of the Eligible Spend is based on transaction dates (Malaysian Time). In meeting the Criteria for Eligible Spend in the Spend Activation Period, all the Eligible s spend are grouped equally into blocks of 60 days each, and first come, first served basis refers to Eligible s who first achieve the Criteria within the same 60 day bracket. For avoidance of doubt, the first Eligible who achieves the accumulated spend within the 60 day bracket will be ranked first. Example, Eligible A accumulated Eligible Spend on the 15th day of his 60 day bracket and Eligible B accumulated Eligible Spend on the 8th day of her 60 day bracket. The Eligible who will be ranked first is Eligible B followed by Eligible A. 8. The maximum of to be given out under this Promotion are pooled together with Terms and Conditions HSBC Amanah Start Today Acquisition Campaign 2 and are clearly listed in Table 1 HSBC Bank is the sole provider of all the for this Promotion. C. USAGE OFFER Up to RM150 for Category 1 and 2 i. Categories 1 and 2 s stand to receive up to RM150 under this Usage Offer if they continue to use their Participating HSBC Bank/HSBC Amanah Credit Cards/-i in the following manner:- (a) Swipe at least three (3) times (as defined in Table 2 below) per Participating Week (as defined in Table 3 below) with a minimum spend of RM50 per swipe; and (b) Spend can be made on any retail transactions as per clause 8 (C) (ii) below (hereinafter referred to as the Participation Criteria for Usage Offer ). ii. Eligible Spend for this Usage Offer under the Promotion are those that: (a) Are of a minimum of RM50 or equivalent per swipe charged from 10am to 10pm (Malaysian Time) to any of the Eligible s Participating HSBC Bank/HSBC Amanah Credit Cards/-i including the supplementary credit card(s); (b) Include 0% instalment plans, internet transactions, local and overseas retail transactions for Shopping, Entertainment, Petrol, Food and Beverage, Departmental, Hotel, Travel and/or Groceries spend, Membership, Home, Health, Grooming, Automobile, Education; and (c) Exclude balance transfer, cash instalment plan, cash advances, standing instructions/auto-billing, finance charges/ management fee, credit card annual fee, and spend that are made at merchants from the following Merchant Category Codes: Charity, Utility, Direct Marketing, Mail Order/Telephone Order (hereinafter referred to as MCC s ). The list of excluded MCC s stipulated above is non-exhaustive. For avoidance of doubt, this spend requirement under the Usage Offer is in addition to the spend requirement under the Welcome and Step Up Offers. iii. All the primary and supplementary/ies credit card/-i spend will be taken into account to meet the Participation Criteria. If the Eligible 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 this Usage Offer under the Promotion. Example: A has an 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. iv. The tracking of Eligible Spend is based on Malaysian time. v. A summary of the Usage Offer is detailed in Table 2 below:

Table 2: Summary of Usage Offer vi. vii. Once the Eligible satisfies the Participation Criteria and Eligible Spend in Clauses 8 (C) (i)i and 8 (C) (ii) above under this Usage Offer, the Eligible stands to receive as per Table 2 subject to availability of the allocated for that Participating Week as in Table 3. For avoidance of doubt, is allocated on a first come, first served basis to Eligible s according to the number of swipes (as shown in Table 2) made per Participating Week on Eligible Spend in accordance with the Participation Criteria for this Usage Offer. Table 3: Participating Weekly Allocation ix. The under this Usage Offer to be given out is subject to the following: (a) There is a maximum of RM17,000 to be given out throughout the Spend Period. The maximum that a primary Eligible can receive on a first come, first served basis, is RM25 per Participating Week, capped at RM150 throughout the spend campaign period. (b) In the event the allocated for a specific Participating Week has not been all given out, the will be brought forward to the next Participating Week. (c) Split and/or repetitive retail transactions consisting of three (3) or more transactions from the same merchant(s) in a day will not be counted and are excluded / disqualified from this Usage Offer under the Promotion. (d) The will be credited into the primary Eligible s highest type of Participating HSBC Bank/HSBC Amanah Credit Card/-i account within eight (8) to twelve (12) weeks from the end of the Promotion Period. (For avoidance of doubt, the Participating HSBC Bank/HSBC Amanah Credit Cards/-i are ranked in the following order: HSBC Premier World MasterCard Credit Card being the highest card type, followed by HSBC Amanah Premier World MasterCard Credit Card-i, HSBC Visa Signature Credit Card, HSBC Advance Visa Platinum Credit Card,, HSBC Visa Platinum Credit Card, HSBC Amanah MPower Platinum Credit Card-i, HSBC Visa Reward Credit Card/HSBC Gold MasterCard Credit Card, HSBC Amanah MPower Credit Card-i). CASH BACK TERMS & CONDITIONS 9. At the time of crediting the primary Eligible s Participating HSBC Bank/HSBC Amanah Credit Card/-i account with the, all the Participating HSBC Bank/HSBC Amanah Credit Card/-i account(s) of the Eligible s MUST NOT be delinquent, closed, and/or invalid or cancelled within HSBC Bank s/hsbc Amanah s definition, otherwise they will be disqualified from participating or receiving the from this Promotion. 10. HSBC Bank / HSBC Amanah will not entertain any request from any Eligible s or any other person to credit the to the Eligible s other or any third party s account. 11. Eligible s will receive notification of the, if any, through their respective Participating HSBC Bank/HSBC Amanah Credit Card/-i s monthly credit card statement following the crediting of the.

12. The maximum to be given out under the Promotion for the Welcome, Step Up and Usage Offers are pooled together with the for the respective offers under the HSBC Amanah Start Today Acquisition Campaign 2 Promotion. HSBC Bank is the sole provider for all the in this Promotion. GENERAL TERMS & CONDITIONS 13. HSBC Bank / HSBC Amanah reserve the right to publish or display the name, Participating HSBC Bank/HSBC Amanah Credit Card/-i account number, NRIC, and city of residence and/or any of these details which are truncated of the Eligible s who have been selected to receive the for this Promotion for advertising and publicity purposes. By participating in this Promotion, the selected Eligible s 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. 14. HSBC Bank / HSBC Amanah shall not be held liable for any mishaps, injuries or accidents that may occur in the usage of the received under this Promotion. 15. HSBC Bank / HSBC Amanah reserve the right to substitute the with any other item of similar value at any time with 3 days prior notice. 16. 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. 17. The Terms and Conditions, as amended from time to time, shall prevail over any provisions or representations contained in any other promotional materials advertising this Promotion. 18. HSBC Bank / HSBC Amanah may use any of the following modes to communicate notices in relation to this Promotion to the Eligible : a. individual notice to the Eligible (whether by written notice or via electronic means) sent to the Eligible s latest address/email address as maintained in the HSBC Bank s / HSBC Amanah s records; b. press advertisements; c. notice in the Eligible s credit card statement(s); d. display at its business premises; or e. 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. 19. 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 Agreements are a part of and which regulate the provision of credit card/-i facilities by HSBC Bank and HSBC Amanah, and also the Balance Transfer/Cash Instalment Plan terms and conditions. The UTCs and the Balance Transfer/Cash Instalment Plan terms and conditions 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 insofar as they apply to this Promotion. 20. 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 Bank/HSBC Amanah. 21. 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 to any claim or compensation against HSBC Bank / HSBC Amanah for any and all losses or damages suffered or incurred by the Eligible as a direct or indirect result of the act of cancellation, termination or suspension. 22. 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. 23. The Eligible 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. 24. 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 recipients for this Promotion, and in case of any dispute, shall be final and binding on all Eligible s who participate in this Promotion and no correspondence will be entertained. 25. By participating in this Promotion, the Eligible agrees to be bound by these Terms and Conditions and the decisions of HSBC Bank / HSBC Amanah.