hsbc advance welcome rewards (“promotion”) … · public - 1 . hsbc advance ... a welcome...

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HSBC Advance Welcome Rewards (“Promotion”) Promotional Terms and Conditions

1. This Promotion is valid from 1 Jan 2018 to 31 March 2018 both dates inclusive (“Promotional Period”).

2. This Promotion is offered by HSBC Bank (Singapore) Limited (“HSBC” or the “Bank”) exclusively to new HSBC Advance customers (“Eligible Customers”).

HSBC Advance Welcome Reward Offer

3 . This Promotion is only applicable to the first 750 Eligible Customers who:

a) successfully sign up for a new HSBC Advance account (the “HSBC Advance Account”) with the Bank during the Promotional Period and maintain the HSBC Advance Account in good standing during the Promotional Period and at the time of fulfilment of the Welcome Reward (defined below); and

b) satisfy these Promotional Terms and Conditions.

4. Existing HSBC customers who have (a) an existing HSBC Advance / Premier relationship (either in his/her own name or jointly with another person) as at the commencement date of this Promotion; or (b) terminated their HSBC Advance / Premier relationship in the past 12 months prior to (and inclusive of) the month the Promotional Period commences, do not qualify for this Promotion.

5. To qualify for the Welcome Reward, an Eligible Customer must submit to the Bank a duly completed HSBC

Advance Welcome Rewards Customer Participation Form (available at any of its branches in Singapore or by entering details at https://www.apps.asiapacific.hsbc.com/1/2/sgh2/advance-welcome-gift) and satisfy the following criteria:

a) (i) Enrol in HSBC Advance by satisfying the Total Relationship Balance (“TRB”) eligibility criteria.

This can be done by placing and/or purchasing (as the case may be) a minimum of S$30,000 in ( I ) deposits (excluding time deposit placements referred to in Clause 7) in a HSBC Singapore deposit (current / savings) account and/or (II) investments and/or insurance (with a cash / surrender value of minimum S$30,000) with the Bank using fresh funds during the Promotional Period (“Minimum Fresh Funds”). The Minimum Fresh Funds must be maintained with the Bank for at least 90 consecutive days from the date such funds are fully deposited (the “Maintenance Period”); OR

(ii) Enrol in HSBC Advance through salary crediting of at least S$3,500 every month in a single

transaction directly from the employer into a single HSBC Singapore deposit account for at least 2 consecutive calendar months; OR

(iii) Enrol in HSBC Advance through recurring deposits of at least S$2,500 every month in a single

transaction into a single HSBC Singapore deposit account for at least 2 consecutive calendar months;

AND

b) Sign up for Personal Internet Banking (“PIB”).

For the avoidance of doubt, the salary crediting criteria referred to in Clause 5(a)(ii) and the recurring deposit crediting criteria referred to in Clause 5(a)(iii) must be fulfilled via the same current or savings deposit account (as the case may be).

6. For purposes of this Promotion, “fresh funds” means a deposit of funds from, or purchase of investment

or insurance using funds from, outside of HSBC. Transfers from existing HSBC bank deposit accounts or via HSBC cheques, cashier’s orders or demand drafts do not qualify and would not be considered as fresh funds.

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7. Customers who placed fresh funds under existing time deposit promotions or preferential rates offered by the Bank will not qualify for the Welcome Reward offer.

8. The minimum TRB funding criteria referred to in Clause 5(a)(i) shall commence within the calendar

month following the month of HSBC Advance sign-up, and shall be fulfilled in accordance with the relevant date(s) set out under Clause 10(a). The salary crediting criteria referred to in Clause 5(a)(ii) or the recurring deposit crediting criteria referred to in Clause 5(a)(iii) above shall commence within the two calendar months following the month of HSBC Advance sign-up, and shall be fulfilled in accordance with the relevant date(s) set out under Clause 10(b).

9. Each Eligible Customer who successfully meets the criteria under this Promotion will receive S$80 worth

of cash credit (“Welcome Reward”) which will be directly credited into his/her HSBC Advance account (or if there is no such HSBC Advance Account, any other current / savings account held by the Eligible Customer with the Bank, as may be decided by the Bank).

10. A Welcome Reward notification letter will be sent to the address (as per the Bank’s records) of each

qualifying Eligible Customer as per the Bank’s records.

Qualifying Eligible Customers under Clause 5(a)(i) will receive the Welcome Reward and Welcome reward notification letter by the following dates or such later date(s) as may be notified by the Bank:

Open HSBC Advance Account and place fresh funds by

Maintenance Period to end by

Welcome Reward to be credited by

Welcome reward notification letter to be sent by

31 Jan 2018 30 Apr 2018 31 May 2018 30 Jun 2018 28 Feb 2018 31 May 2018 30 Jun 2018 31 Jul 2018 31 Mar 2018 30 Jun 2018 31 Jul 2018 31 Aug 2018

11. Each Qualifying Eligible Customer is only entitled to one Welcome Reward regardless of the number of

criteria fulfilled under Clause 5. For the avoidance of doubt, joint account holders to a HSBC Advance relationship will be considered as one Eligible Customer. For Eligible Customers who open two or more HSBC Advance Accounts during the Promotional Period, only one Advance relationship will be eligible for the Welcome Reward under this Promotion.

12. The Bank may levy an administrative charge, equivalent to the value of the Welcome Reward if the HSBC

Advance Account with the Bank is closed within six (6) months of the date on which it is opened.

General Terms and Conditions

13. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal/individual accounts are eligible for the Promotion. Terms and conditions governing personal deposit accounts, HSBC Advance and the relevant products (collectively, the “Account Terms”) will apply. In the event of any conflict or inconsistency between these Promotional Terms and Conditions and the Account Terms in respect of this Promotion, these Promotional Terms and Conditions shall apply to the extent of the conflict or inconsistency. Please visit www.hsbc.com.sg for details of the Account Terms.

14. HSBC reserves the right to replace the Welcome Reward with other item(s) of similar value without prior

notice. 15. All exchange transactions shall be effected at the Bank’s prevailing exchange rate. Where the Bank is

unable to provide a firm exchange rate quotation, the Bank 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 you through the originating account or any account you have with the Bank or by such other means as determined by the Bank. There may be a gain or loss when you convert foreign currency. Eligible Customers are advised to make

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independent judgment with respect to any matter contained herein. For the avoidance of doubt, the Bank shall not be liable for any delay in effecting such conversion, instructions or transactions.

16. The Bank may, at its discretion, revise any of these Promotional Terms and Conditions, including but not

limited to varying the Promotional Period, or withdraw this Promotion at any time without prior notice or assuming any liability to any customer.

17. These Promotional Terms and Conditions are governed by the laws of the Republic of Singapore and the

parties submit to the non-exclusive jurisdiction of the courts of Singapore.

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.

This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The specific investment objectives, personal situation and particular needs of any person have not been taken into consideration. You should therefore not rely on it as investment advice. You may wish to seek advice from a financial consultant before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial consultant, you should consider whether the product in question is suitable for you. Buying the life insurance policy is a long term commitment. An early termination of the policy incurs high cost and the surrender value payable may be less than the total premiums paid.

Terms and conditions for the HSBC Advance Credit Card Sign up Gift Promotion (1 January to 28 February 2018)

General

1. This promotion is referred to as the HSBC Credit Card Sign Up Promotion (“Promotion”), and is offered by HSBC Bank (Singapore) Limited (“HSBC”) to Eligible Applicants (as defined below).

2. To participate in this Promotion, the HSBC Visa Platinum or HSBC's Revolution credit card or HSBC

Advance credit card (each, a “Card”) application must be submitted between 1 January and 28 February 2018, both dates inclusive, or such other dates as determined by HSBC at its discretion (the "Promotion Period"), and the application must be approved and issued by HSBC by 15 March 2018 (applicants whose submitted applications are approved are referred to as "Eligible Applicants").

3. HSBC reserves the right to determine at our discretion whether:

a) an Eligible Applicant(s) has met all the requirements of this Promotion; and b) transactions charged by a Eligible Applicant to a Card qualify towards fulfilment of the relevant

minimum Qualifying Transaction requirements (as defined below).

4. HSBC is not a supplier of the products and/or services provided by the merchant involved in this Promotion and will not accept any liability in relation thereto.

5. HSBC reserves the right to revise any of these terms and conditions, or withdraw or alter any part of this

Promotion at any time without prior notice and/or assuming any liability to any party, and shall not be liable to pay any compensation or enter into any correspondence in connection with the same.

6. Use of the Gifts (as defined below) is subject to the terms and conditions of the merchant(s) providing the

relevant products and/or services; please refer to the respective merchant(s) for details. HSBC is not a supplier of the products and/or services provided by the merchant(s) involved in this Promotion and will

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not accept any liability in relation thereto. There will be no replacement of lost, defaced, torn, damaged or stolen Gift(s) or corresponding redemption letters (if any) after issuance.

7. The Gifts are not exchangeable for cash, rewards points, credit or kind in all cases, whether in whole or in

part. HSBC may, at its discretion, substitute the Gift(s) with an item of equal or similar value without prior notice.

8. For the purposes of calculating the Qualifying Transactions, the following shall apply:

a) transactions made in foreign currencies will be converted into Singapore dollars based on HSBC’s

prevailing exchange rate applicable at the time of exchange. If a Qualifying Transaction is cancelled or reversed after the applicable Qualifying Spend Period is over and the total amount spent during the Qualifying Spend Period falls short of the Qualifying Spend, the Qualified Cardholder will not be considered to have incurred the Qualifying Spend; and

b) in the event any application for supplementary Card(s) has been submitted at the same time as the primary Card, Qualifying Transactions made by the primary and supplementary Card(s) can be combined to meet the Qualifying Spend. Where more than one Card is applied for and issued, Qualifying Transactions on each Card will not be aggregated with Qualifying Transactions on other Cards for the purpose of determining whether the Qualifying Spend for this Promotion has been met.

9. All information is accurate at the time of publishing or posting online.

10. For the purpose of this Promotion:

“Qualifying Transactions” mean posted retail transactions, including Online Transactions and Overseas

Transactions, charged to a Card account and/or to the account of the supplemental cardholder of the Eligible Applicant BUT shall exclude the Excluded Transactions.

“Online Transactions” shall mean all posted retail transactions successfully charged to a Card account

and/or to the account of a supplemental cardholder of an Eligible Applicant made via the internet and processed by the respective merchants/acquirers as an online transaction type through the MasterCard International Incorporated and/or Visa Worldwide networks and which are successfully captured and posted.

“Overseas Transactions” shall mean all posted overseas transactions successfully carried out outside

Singapore and charged in foreign currency to a Card account and/or to the account of a supplemental cardholder of an Eligible Applicant and which are successfully captured and posted.

“Excluded Transactions” shall mean any of the following:-

• foreign exchange transactions (for example but not limited to Forex.com, etc.), cash advances, late payment charges, bank charges, personal loan charges, balance and/or funds transfer transactions, cash instalment plans, tax payments, donations and payments to charitable and social organisations (MCC 8398), transactions relating to HSBC's Cash Instalment Plan, quasi-cash transactions (for example but not limited to transactions relating to money orders, traveler’s checks, gaming related transactions, lottery tickets) and any other fee charges in respect of a Card. In the case of transactions relating to instalment payment plans of any merchant, only the instalment amount charged to a Card within the Qualifying Spend Period (as defined below) qualifies as a Qualifying Transaction, and not the aggregate amount of the instalment plan;

• transactions relating to the trading of securities of any kind including but not limited to any top up of any cash amount required by a financial institution;

• transactions relating to payments and money transfers made through the internet (including but not limited to Paypal, SKR skrill.com);

• any transaction that is subsequently cancelled, voided, disputed or reversed for any reason; and/or

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• such other categories of transactions which HSBC may exclude from time to time without notice or giving reasons.

“Card Account Opening Date” means the calendar month printed on the letter sent to an Eligible Applicant

enclosing his/her Card issued pursuant to this Promotion.

Mechanics To qualify for the Promotion, an Eligible Applicant must fulfill the conditions set out below (each a “Qualified Cardholder”) to be entitled to the following gifts (“Gift”) for each relevant offer (“Offer”):

Offer 1: American Tourister or S$50 cash back

11. Eligible Applicants are required to charge to their Card, within the respective Qualifying Spend Period (as set out in Clause 22) a minimum of S$600 in Qualifying Transactions to their Card to receive the relevant Gift:

Gift A – Eligible Applicant who does not hold any existing Card, and did not cancel a Card within the last 12 months prior to the Card Account Opening Date (each a “New Cardholder”) shall be entitled to receive an American Tourister Caravan 70cm TSA luggage worth S$260; and

Gift B – Eligible Applicant who holds an existing Card issued more than 24 months and did not cancel any Card within the last 12 months prior to the Card Account Opening Date (each an “Existing Cardholder”) shall be entitled to receive S$50 cash back.

New Cardholder Existing Cardholder Gift for Primary Card American Tourister Caravan

70cm TSA luggage worth S$260

• Must not hold any existing

Card*; • Did not cancel any Card

within last 12 months*; and • Charge a minimum of

S$600 in Qualifying Transactions within a month of Card Account Opening Date.

*in each case prior to the

approval date of their new Card application under this Promotion.

S$50 cash back • Existing Card must be issued more

than 24 months earlier*; • Did not cancel any Card within last

12 months*; and • Charge a minimum of S$600 in

Qualifying Transactions within a month of Card Account Opening Date.

*in each case prior to the approval

date of their new Card application under this Promotion.

Gift if application for 1 or more Supplementary Card is submitted at the same time

S$20 cash back

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Gift (Total) American Tourister Caravan 70cm TSA luggage worth S$260 with S$20 cash back

S$70 cash back

12. Fulfillment of the Gift will be done no later than three (3) months from Card Account Opening Date, after

HSBC determines in its discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.

13. For Gift A, an SMS redemption code with the redemption details (“SMS”) will be sent to the Qualified

Cardholder's valid mobile phone number (based on HSBC's records). In the event there is no valid mobile phone number, a redemption letter will be sent to the Qualified Cardholder’s billing address (based on HSBC’s records). Any request for early fulfillment of a Gift will be not be granted nor entertained by HSBC.

14. Any SMS or redemption letter that is lost, misplaced or damaged is strictly non-replaceable and Gift redeemed

is not exchangeable, non-transferable and non-replaceable.

15. Gift A is available in two colours (Purple or Silver), subject to availability at the point of redemption.

16. For Gift B, the cash back will be credited into the Qualified Cardholder’s Card account, after HSBC determines in its discretion that the criteria under this Promotion have been met by the Fulfilment Date (as set out in Clause 22), barring any unforeseen technical delays.

17. The cash back can only be used to offset future retail purchases and cannot be transferred, withdrawn as

cash or used to offset payments such as fund transfers, tax payments, financial charges, late charges, fees and other outstanding balances.

Offer 2: Bonus 5% cash back

18. Eligible Applicants are required to charge to their Card, within the respective Qualifying Spend Period (as set out in Clause 22), a minimum of S$600 in Qualifying Transactions to qualify for the bonus 5% cash back (capped at S$50 per Qualifying Month). The cash back will be based on the transaction amount charged to the Card through an Online Transaction via the website or mobile phone app within the Qualifying Spend Period.

19. The cash back for Offer 2 will be credited into the Qualified Cardholder’s Card account, after HSBC

determines in its discretion that the criteria under this Promotion have been met by the Fulfilment Date (as set out in Clause 22), barring any unforeseen technical delays.



21. Eligible Applicants who did not fulfill the criteria set out in Offer 1 to qualify for Gift A or B may still qualify for

the cash back in Offer 2 if he/she fulfills the criteria set out for Offer 2, and vice versa. Qualifying Spend Period and Fulfilment Date

22. The Qualifying Spend Period and Fulfilment Date(s) for Offer 1 and 2 as set out below:

Offer 1 Offer 2

Card Account Opening Date

Qualifying Spend Period Fulfilment Date Qualifying Spend

Period Fulfilment Date

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1 – 31 January 2018

1 January – 28 February 2018

By 31 March 2018

a. 1 – 31 March 2018

b. 1 – 30 April 2018

a. By 30 April 2018

b. By 31 May 2018

1 – 28 February 2018

1 February – 31 March 2018 By 30 April 2018

a. 1 – 30 April 2018

b. 1 – 31 May 2018

a. By 31 May 2018

b. By 30 June 2018

23. Only Card accounts that are maintained in good standing and conducted in a proper and satisfactory

manner as determined by HSBC in its discretion at the time of fulfillment will be eligible for the Gift and cash back. In the event that the Card is voluntarily or involuntarily closed, terminated or suspended for any reasons whatsoever before a Gift is accorded or the cash back credited to the Qualified Cardholder, HSBC reserves the right to forfeit the Gift or cash back at its sole discretion.

24. For the avoidance of doubt, the following table illustrates the eligibility criteria for this Promotion.

Scenario 1: Card Account Opening Date in January 2018 and is a New Cardholder

Qualifying Spend Period

From 1 January to 28 February From 1 to 31 March From 1 to 30 April

Qualifying Transaction amount

S$600 Qualifying Transactions

S$1,500 Qualifying Transactions; S$1,200 at selected online merchants

S$200 Qualifying Transactions; S$200 at selected online merchants

Eligibility Qualify for Gift A S$50 cash back (5% of S$1,200 is S$60; capped at S$50)

NIL (Qualifying spend of S$600 not met)

Scenario 2: Card Account Opening Date in February 2018 and is an Existing Cardholder


From 1 February to 31 March From 1 to 30 April From 1 to 31 May



Did not charge to the Card


Eligibility Did not qualify for Gift B NIL S$10 cash back (5% of S$200 is S$10)

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HSBC's Personal Loan Interest Rate Promotion

1. To participate in HSBC Bank (Singapore) Limited’s ("HSBC") Personal Loan Interest Rate Promotion (the “Interest Rate Promotion”), applicants must submit their application for a new personal loan between 2 January and 2 March 2018, both dates inclusive (the “Promotional Period”), and the application must be approved by HSBC (in its discretion) by 31 March 2018 (such applicants, the “Eligible Applicants”).

2. Existing HSBC’s Personal Loan customers applying for a redraw are not eligible for this Interest Rate

Promotion.

3. Eligible Applicants shall enjoy the following interest rates in respect of their Loans: a) Retail banking customers with an approved loan amount of S$10,000 or more will enjoy an effective

interest rate of: (i) 10% if the approved loan tenor is one (1) or two (2) years; or

(ii) 9% if the approved loan tenor is three (3) to seven (7) years; or b) effective interest rate of 7% p.a. for existing Premier customers; or c) effective interest rate of 8% p.a. for existing Advance customers

4. The terms and conditions of this Interest Rate Promotion should be read in conjunction with HSBC's Personal

Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at http://www.hsbc.com.sg/loan.

5. HSBC may, at its discretion, revise these terms and conditions (including but not limited to varying the

Promotional Period) or withdraw this Interest Rate Promotion at any time without prior notice.

6. All information is accurate at the time of posting online. HSBC's Personal Loan Cash Back Promotion

1. To participate in HSBC Bank (Singapore) Limited’s ("HSBC") Personal Loan Cashback Promotion (the “Cashback Promotion”), applicants must

a) submit their application for a new personal loan to HSBC (except via third party sales agencies) between 2 January 2018 and 2 March 2018, both dates inclusive (the “Promotional Period”) and the application must be approved by HSBC (in its discretion) by 31 March 2018; and

b) consent to receive direct marketing and promotional materials from HSBC by indicating on the application form or Letter of Instruction (such applicants, the “Eligible Applicants”).

2. Existing HSBC’s Personal Loan customers applying for a redraw are not eligible for this Cashback Promotion.

3. A cashback amount of S$88 (the “cashback”) will be credited to the Eligible Applicant’s HSBC’s Statement

Savings Account, opened upon approval of the HSBC’s Personal Loan application, within three (3) calendar months from the approval date of the HSBC’s Personal Loan application, barring any unforeseen technical delays.

4. The award of the cashback is subject to the customer’s HSBC’s Personal Loan Account (the “Account”) being

maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC at its discretion during the Promotional Period and at the time of credit.

5. Eligible Applicants who have received the cashback and subsequently cancel their HSBC’s Personal Loan or

make premature repayments (partial or full) to the Account within 12 months from the date of approval of the HSBC’s Personal Loan application are required to refund HSBC the full cashback amount.

6. The terms and conditions of this Cashback Promotion should be read in conjunction with HSBC's Personal

Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at http://www.hsbc.com.sg/loan.

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7. HSBC may, at its discretion, revise these terms and conditions (including but not limited to varying the Promotional Period) or withdraw this Cashback Promotion at any time without prior notice.

8. All information is accurate at the time of posting online.

HSBC's Personal Loan Processing Fee Waiver Promotion

1. To participate in HSBC Bank (Singapore) Limited’s ("HSBC") Personal Loan Processing Fee Waiver Promotion (the “Processing Fee Waiver Promotion”), applicants must submit their application for a new personal loan (“Loan”) between 2 January 2018 and 2 March 2018, both dates inclusive (the “Promotional Period”) and the application must be approved by HSBC (in its discretion) by 31 March 2018 2017 (such applicants, the “Eligible Applicants”).

2. Existing HSBC’s Personal Loan customers applying for a redraw are not eligible for this Online Promotion.

3. The Eligible Applicants will receive a waiver of processing fee in respect of their HSBC Personal Loans,

equivalent to S$88.

4. The terms and conditions of this Processing Fee Waiver Promotion should be read in conjunction with HSBC's Personal Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at http://www.hsbc.com.sg/loan.


Promotional Period) or withdraw this Processing Fee Waiver Promotion at any time without prior notice.


HSBC Existing Premier and Advance Account Step Up Bonus Interest Debit Card Bundle Promotion (“Promotion”)

1. This Promotion is valid from 2 January 2018 to 28 February 2018, both dates inclusive or such other date(s)

as may be determined by HSBC Bank (Singapore) Limited (“HSBC” or “the Bank”) at is discretion (“Promotional Period”).

2. This Promotion is exclusive to existing HSBC customers who hold a HSBC Premier, Advance or

Statement Savings account ("Eligible Account") and maintain the Eligible Account in good standing during the Promotional Period ("Customers"). For clarity, only those accounts which are stated to be a Premier, Advance or Statement Savings account in a Customer’s bank statement will qualify as an Eligible Account under this Promotion.

3. This Promotion applies only to deposits of Singapore Dollars (“SGD”) in Eligible Accounts.

4. Each Customer who:

a) Signs up to participate in this Promotion via any of the modes described below; and

b) Deposits fresh funds into his/her Eligible Account in the Relevant Month, will be eligible for this

Promotion (“Eligible Customer”).

For Clause 4(a) above, Customers may sign up for this Promotion by (i) submitting a completed participation form available electronically at www.hsbc.com.sg/savings, or (ii) in the case of Premier Customers, provide instructions and information to complete the participation form via a recorded call with their relationship manager. Where multiple registrations are made by an Eligible Customer, the Bank will only process the registration made first in time and will not proceed to process any subsequent registrations.


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5. (a) For each Relevant Month, Eligible Customers will earn additional interest (“Bonus Interest”) on the Top-up Amount (as defined below) at the rates set out in the table below (“Bonus Interest Rate”), subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$2,000,000.

Eligible Account Top-up Amount Bonus Interest Rate Premier account S$1 to S$2,000,000 1.50% p.a. Advance account S$1 to S$2,000,000 1.45% p.a. Statement Savings account S$1 to S$2,000,000 1.35% p.a.

For the avoidance of doubt, Eligible Customers who sign up for this Promotion in January 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months January 2018, February 2018 and March 2018. Eligible Customers who sign up for this Promotion in February 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months of February 2018, March 2018 and April 2018. Eligible Customers must satisfy all the conditions of this Promotion before any Bonus Interest is paid.

(b) For each Relevant Month, Eligible customers will enjoy additional bonus interest (“Debit Card Additional Bonus Interest”) on the Top-up Amount (as defined below) at the rates set out in the table below if they successfully charge the following minimum spend in Retail Transaction(s) (as defined below) to their Debit Card (as defined below) by 2359hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000:

Eligible Account Top-up Amount Minimum Debit Card

spend Additional Bonus Interest Rate

Premier, Advance and Statement Savings account

S$1 to S$100,000 S$500 0.95% p.a.

(c) For each Relevant Month, Eligible Customers will enjoy additional bonus interest (“Remittance Additional Bonus Interest”) on the Top-up Amount at the rates set out in the table below if they perform a remittance involving a foreign exchange transaction using the WorldWide Transfer (“WWT”) system, available on HSBC’s Personal Internet Banking platform, by 2359hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000.

Eligible Account Top-up Amount Minimum

Remittance Amount with FX

Remittance Additional Bonus Interest Rate


S$1 to S$100,000 S$1 0.73% p.a.

(d) During the promotional period, Eligible Customers will enjoy additional bonus interest (“Insurance Additional Bonus Interest”) on the SGD deposit balances at the rates set out in the table below if they purchase an Eligible Insurance Plan (as defined below), subject to a minimum balance of S$1 and a maximum of S$100,000.

Eligible Insurance Plan Annualised First Year Premium Purchased (SGD)

Annualised First Year Premium Purchased (USD)

SGD deposit balances

Insurance Additional Bonus Interest Rate

GrowthInvest (SGD) GrowthInvest (USD) Savings Accumulator Plus

S$15,000 to S$23,999

US$10,000 to US$16,999

S$1 to S$100,000

2.70% p.a.

S$24,000 to S$35,999

US$17,000 to US$24,999

S$1 to S$100,000

4.30% p.a.

S$36,000 and above

US$25,000 and above

S$1 to S$100,000

6.70% p.a.

For avoidance of doubt, Eligible Customers who do not qualify for the Additional Bonus Interest under Clause 5(b), 5(c) and 5(d) will still receive the Bonus Interest under clause 5(a) if they meet the relevant criteria under Clause 5(a).

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6. Bonus Interest and Additional 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 an Eligible Account will be computed daily and paid out monthly into the relevant

Eligible Account.

8. Bonus Interest and Additional Bonus Interest (as the case may be) will be credited into an Eligible Account in SGD by the end of the second month following the Relevant Month in which the Bonus Interest of Additional Bonus Interest (as the case may be) was accrued.

9. This Promotion is not valid with other offers or promotions unless otherwise stated. Only personal accounts

are eligible for this Promotion. The terms and conditions governing HSBC Premier / Advance / Personal Deposit Accounts (as the case may be) and the HSBC debit card cardholder’s agreement will apply. For clarity, if an Eligible Customer has signed up his/her Eligible Account(s) for any earlier deposit related promotion (which awards bonus interest and/or additional bonus interest) and such earlier promotion is still on-going during the Promotional Period, the subject Eligible Account(s) are not eligible for this Promotion.

10. The Bank shall be entitled to a reasonable period of time to process instructions and may not complete any

placement / transaction in respect of an Eligible Account on the same day of receipt of the customer’s instruction. The Bank shall not be liable for any loss or damage resulting from any such delay in effecting instructions or transactions.

11. Bonus Interest Rates and Additional Bonus Interest Rates are subject to change. The Bank may, at its

discretion, revise these Terms and Conditions (including but not limited to varying the Promotional Period) or withdraw this Promotion at any time without prior notice.

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.

13. These Terms and Conditions are governed by the laws of the Republic of Singapore and the parties submit

to the non-exclusive jurisdiction of the courts of Singapore.

14. Unless otherwise defined above, the following defined terms apply to this Promotion:

“Deposits Total Relationship Balance” or “Deposits TRB” is made up of the sum of average daily balances for the calendar month, taking into account all Singapore dollar Current / Savings Accounts held in the same name with HSBC Bank (Singapore) Limited in Singapore. For the purpose of this Promotion, Deposits TRB excludes deposits in Singapore dollar Time Deposit accounts, Secured Overdraft Accounts, SmartMortgage Accounts, and Investment Financing Accounts.

As an illustration of Deposits TRB:

Top-up Amount in Eligible Account in this month S$150,000 Top-up Amount in Statement Savings account S$50,000 Sum of Deposits TRB S$200,000

“fresh funds” means a deposit of funds from outside of HSBC into an Eligible Account. Funds transfers from existing HSBC Bank deposit accounts or via HSBC cheque(s), cashier’s order(s) or demand draft(s) do not qualify for this Promotion. For the purpose of this Promotion, funds that are transferred from accounts that are closed in the last 30 days will not be eligible.

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“Relevant Month” means each consecutive calendar month up to 3 months from the date the Eligible Customer signs up for this Promotion, inclusive of the month during which the Eligible Customer signs up for this Promotion.

“Retail Transactions” means any successful VISA transaction charged to the Debit Card with transaction date falling within each Relevant Month, provided that the following transactions shall not constitute valid Retail Transactions for purposes of this Promotion:

(i) transactions using NETS functionality; (ii) fees or charges including annual fee, service fee and other miscellaneous fees in respect of the Debit

Card; (iii) cash withdrawal at ATM machine; and, (iv) any amount charged to the Debit Card during each Relevant Month that is subsequently cancelled,

voided or reversed.

“Top-up Amount” means the increase in Deposits TRB for the relevant calendar month compared against the relevant Deposits TRB for the reference month of December 2017:

Illustration on “Top-up Amount”:

Month Top-up Amount December 2017 (reference month) S$50,000 January 2017 S$200,000 Top-up amount, i.e., Incremental Deposits TRB in January S$150,000

HSBC New Premier and Advance Account Step Up Bonus Interest Debit Card Bundle Promotion (“Promotion”)

1. This Promotion is valid from 2 January 2018 to 28 February 2018, both dates inclusive or such other date(s)

as may be determined by HSBC Bank (Singapore) Limited (“HSBC” or “the Bank”) at is discretion (“Promotional Period”).





a) Signs up to participate in this Promotion via any of the modes described below; and

b) Deposits fresh funds into his/her Eligible Account in the Relevant Month, will be eligible for this



5. (a) For each Relevant Month, Eligible Customers will earn additional interest (“Bonus Interest”) on the Top-

up Amount (as defined below) at the rates set out in the table below (“Bonus Interest Rate”), subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$2,000,000.

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For the avoidance of doubt, Eligible Customers who sign up for this Promotion in January 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months January 2018, February 2018 and March 2018. Eligible Customers who sign up for this Promotion in February 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months of February 2018, March 2018 and April 2018. Eligible Customers must satisfy all the conditions of this Promotion before any Bonus Interest is paid.

(b) For each Relevant Month, Eligible customers will enjoy additional bonus interest (“Debit Card Additional Bonus Interest”) on the Top-up Amount (as defined below) at the rates set out in the table below if they successfully charge the following minimum spend in Retail Transaction(s) (as defined below) to their Debit Card (as defined below) by 2359hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000:




S$1 to S$100,000 S$500 0.95% p.a.


Eligible Account Top-up Amount Minimum Remittance

Amount with FX Remittance Additional Bonus Interest Rate


S$1 to S$100,000 S$1 0.73% p.a.


Eligible Insurance Plan

Annualised First Year Premium Purchased (SGD)





S$15,000 to S$23,999

US$10,000 to US$16,999

S$1 to S$100,000

2.70% p.a.

S$24,000 to S$35,999

US$17,000 to US$24,999

S$1 to S$100,000

4.30% p.a.

S$36,000 and above

US$25,000 and above

S$1 to S$100,000

6.70% p.a.


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6. Bonus Interest and Additional 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.


Eligible Account.















Top-up Amount in Eligible Account in this month S$150,000 Top-up Amount in Statement Savings account S$50,000 Sum of Deposits TRB S$200,000



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(i) transactions using NETS functionality; (ii) fees or charges including annual fee, service fee and other miscellaneous fees in respect of the Debit

Card; (iii) cash withdrawal at ATM machine; and, (iv) any amount charged to the Debit Card during each Relevant Month that is subsequently cancelled,

voided or reversed.

“Top-up Amount” means the increase in Deposits TRB for the relevant calendar month compared against the relevant Deposits TRB for the reference month of December 2017:


Month Top-up Amount December 2017 (reference month) S$50,000 January 2017 S$200,000 Top-up amount, i.e., Incremental Deposits TRB in January S$150,000

HSBC Advance Time Deposit Promotion (“Promotion”) Promotional Terms and Conditions The HSBC Advance Referral Programme (“Programme”) is offered by HSBC Bank (Singapore) Limited (“HSBC” or the “Bank”) and is open to existing HSBC Advance and HSBC Premier customers (each, a “referrer") residing in Singapore who successfully refer a new customer residing in Singapore ("referee") to start a HSBC Advance relationship in Singapore between 1 January 2018 to 31 March 2018 ("Programme Period"), both dates inclusive. The referrers of the first 50 successful referrals will, subject to the terms and conditions hereunder, receive a Gift (as defined below).

Eligibility

2. To qualify for HSBC Advance and this Programme, the referee needs to be at least 18 years old and should

fulfill any of the following eligibility criteria:

a) Enrol in HSBC Advance by satisfying the Total Relationship Balance (“TRB”) eligibility criteria. This can be done by placing and/or purchasing (as the case may be) a minimum of S$30,000 in (a) deposits (excluding time deposit placements referred to in Clause 19) in a HSBC Singapore deposit (current / savings) account and/or (b) investments and/or insurance (with cash / surrender value of minimum S$30,000) with the Bank using fresh funds (“Minimum Fresh Funds”). The Minimum Fresh Funds must be maintained with the Bank for at least the relevant period stated in Clause 15 (“Maintenance Period”); OR

b) Enrol in HSBC Advance through salary crediting of at least S$3,500 every calendar month in a

single transaction directly from the employer into a single HSBC Singapore deposit account for at least 2 consecutive calendar months; OR

c) Enrol in HSBC Advance through recurring deposits of at least S$2,500 every calendar month in a

single transaction into a single HSBC Singapore deposit account for at least 2 consecutive calendar months.

AND

Sign up for Personal Internet Banking (“PIB”).

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For the avoidance of doubt, the salary crediting criteria referred to in Clause 2(b) and the recurring deposit crediting criteria referred to in Clause 2(c) must be fulfilled via the same current or savings deposit account (as the case may be).

3. The funding of TRB or other eligibility criteria set out in Clause 2 must be met by the relevant dates set out in

Clause 15. The funding must be made with fresh funds only, using non-HSBC cheque(s), cashier's order(s) and/or demand drafts. Transfers from existing HSBC bank deposit accounts or via HSBC cheques, cashier's orders or demand drafts are not permitted.

4. For customers who open new HSBC Advance joint accounts within the Programme Period where any one of

the joint accountholders is an existing HSBC Advance or HSBC Premier customer, such customers will not qualify as a referee under this Programme.

5. For the avoidance of doubt, this Programme will not be applicable to referrers who refer any referee who has

closed and re-opened any sole or joint HSBC Premier or Advance account(s) during the twelve months prior to the date of commencement of this Programme. This Programme is also not applicable if the referrer and/or the referee does not reside in Singapore.

6. Multiple referees who sign up for HSBC Advance in a joint relationship will only be considered as one

successful referral under this Programme.

7. For a referrer to qualify for this Programme and the Gift, the referee who starts a HSBC Advance relationship via this Programme must (a) meet the stipulated minimum eligibility criteria set out in Clause 2 by the relevant dates stipulated in Clause 15; and (b) maintain the HSBC Advance relationship (i.e. no termination of such HSBC Advance account) for at least six (6) months from the month of sign-up, failing which Clause 18 will apply.

8. For a referrer to qualify for this Programme and the Gift, the date of referral must not be later than the date

of account opening by the referee.

9. Eligible referrers whose referees are within the first 50 successful referrals hereunder will receive one Gift per referral, subject to a maximum of 5 Gifts per eligible referrer (regardless of the number of referrals).

10. Referrers cannot refer themselves for this Programme, or be part of the referred relationship.

11. If two or more referrers refer the same referee to the Bank and that referee starts a HSBC Advance

relationship during the Programme Period, only the eligible referrer who first submits a duly completed referral form to HSBC will be entitled to receive the Gift.

12. Staff of the Bank will not be eligible to participate in this Programme as a referrer or referee.

13. Each referrer must declare that consent has been obtained from the referee to disclose his/her contact details

to HSBC, and HSBC may contact the referee to offer banking services and products.

Gift

14. Subject to Clause 9, referrers who have satisfied the terms and conditions of this Programme (“Qualified Referrer”) will be entitled to the following reward “Gift” per successful referral:

Gift: S$50 cash, which will be directly credited into the eligible referrer’s HSBC Advance or Premier account held with the Bank (or if there is no such HSBC Advance or Premier Account, any other current / savings account held by the Qualified Referrer with the Bank, as may be decided by the Bank)

Gift Fulfillment

15. Qualified Referrers will receive the Gift as per the schedule below:

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Referrer places the referral in time period

Referee opens new eligible Advance relationship in time period

Referee fulfills eligibility criteria in Clause 2 by

Referee gets notification letter by

01 Jan 2018 to 31 Jan 2018 01 Jan 2018 to 28 Feb 2018 31 May 2018 30 Jun 2018 01 Feb 2018 to 28 Feb 2018 01 Feb 2018 to 31 Mar 2018 30 Jun 2018 31 Jul 2018 01 Mar 2018 to 31 Mar 2018 01 Mar 2018 to 30 Apr 2018 31 Jul 2018 31 Aug 2018

16. Qualified Referrers must still be existing HSBC Advance or HSBC Premier (as the case may be) customers

at time of Gift fulfillment in order to receive the Gift.

17. The accounts of both the Qualified Referrer and the corresponding referee must have been maintained in good standing and conducted in a proper and satisfactory manner (as determined by HSBC in its discretion) over the Programme Period and at the time of fulfillment, in order for the Qualified Referrer to receive the Gift.

18. HSBC reserves the right to deduct the equivalent Gift value for each referral from a Qualified Referrer's account in the event the corresponding referee terminates his/her HSBC Advance relationship within six months from the date the account is opened.


19. This offer is not valid in conjunction with other offers or promotions unless otherwise stated. Referees who participate in any time deposit promotions by HSBC offering cash credit, regardless of the time deposit placement amount, will not be considered as a successful referee under this Programme.

20. HSBC assumes no responsibility for incomplete, lost, late, damaged, illegible, misdirected forms and/or other

forms of communication which may result in the ineligibility of the referrer and/or referee to participate in this Programme.

21. HSBC reserves the right to make any changes to this Programme or replace any of the Gifts with another

item of similar value without any prior notice.

22. The Bank may, at its discretion, revise these Programme Terms and Conditions, (including but not limited to varying the Programme Period), or withdraw this Programme at any time without prior notice.

23. Only personal/individual accounts are eligible for this Programme. Terms and conditions governing personal

deposit accounts, HSBC Advance and the relevant products (collectively, the “Account Terms”) will apply. In the event of any conflict or inconsistency between these Programme Terms and Conditions and the Account Terms in respect of this Programme, these Programme Terms and Conditions shall apply to the extent of the conflict or inconsistency. Please visit www.hsbcadvance.com.sg for details of the Account Terms.

24. These Programme Terms and Conditions are governed by the laws of the Republic of Singapore and the

parties submit to the non-exclusive jurisdiction of the courts of Singapore.

Terms and Conditions for the HSBC Credit Card Sign Up Promotion (1 January to 28 February 2018)

1. This promotion is referred to as the HSBC Credit Card Sign Up Promotion (" Promotion"), and is offered by HSBC Bank (Singapore) Limited (" HSBC") to Eligible Applicants (as defined below).

2. To participate in this Promotion, the HSBC Visa Platinum or HSBC's Revolution credit card or HSBC

Advance credit card (each, a " Card") application must be submitted between 1 January and 28 February 2018, both dates inclusive, or such other dates as determined by HSBC at its discretion (the " Promotion Period"), and the application must be approved and issued by HSBC by 15 March 2018 (applicants whose submitted applications are approved are referred to as " Eligible Applicants").

3. HSBC reserves the right to determine at our discretion whether:

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(i) an Eligible Applicant(s) has met all the requirements of this Promotion; and (ii) transactions charged by a Eligible Applicant to a Card qualify towards fulfilment of the relevant

minimum Qualifying Transaction requirements (as defined below).

4. HSBC is not a supplier of the products and/or services provided by the merchant involved in this Promotion and will not accept any liability in relation thereto.

5. HSBC reserves the right to revise any of these terms and conditions, or withdraw or alter any part of this

Promotion at any time without prior notice and/or assuming any liability to any party, and shall not be liable to pay any compensation or enter into any correspondence in connection with the same.

6. Use of the Gifts (as defined below) is subject to the terms and conditions of the merchant(s) providing the

relevant products and/or services; please refer to the respective merchant(s) for details. HSBC is not a supplier of the products and/or services provided by the merchant(s) involved in this Promotion and will not accept any liability in relation thereto. There will be no replacement of lost, defaced, torn, damaged or stolen Gift(s) or corresponding redemption letters (if any) after issuance.

7. The Gifts are not exchangeable for cash, rewards points, credit or kind in all cases, whether in whole or in

part. HSBC may, at its discretion, substitute the Gift(s) with an item of equal or similar value without prior notice.

8. For the purposes of calculating the Qualifying Transactions, the following shall apply:

(i) transactions made in foreign currencies will be converted into Singapore dollars based on HSBC's prevailing exchange rate applicable at the time of exchange. If a Qualifying Transaction is cancelled or reversed after the applicable Qualifying Spend Period is over and the total amount spent during the Qualifying Spend Period falls short of the Qualifying Spend, the Qualified Cardholder will not be considered to have incurred the Qualifying Spend; and

(ii) in the event any application for supplementary Card(s) has been submitted at the same time as the primary Card, Qualifying Transactions made by the primary and supplementary Card(s) can be combined to meet the Qualifying Spend. Where more than one Card is applied for and issued, Qualifying Transactions on each Card will not be aggregated with Qualifying Transactions on other Cards for the purpose of determining whether the Qualifying Spend for this Promotion has been met.

9. All information is accurate at the time of publishing or posting online.

10. For the purpose of this Promotion:

"Qualifying Transactions" mean posted retail transactions, including Online Transactions and Overseas Transactions, charged to a Card account and/or to the account of the supplemental cardholder of the Eligible Applicant BUT shall exclude the Excluded Transactions. "Online Transactions" shall mean all posted retail transactions successfully charged to a Card account and/or to the account of a supplemental cardholder of an Eligible Applicant made via the internet and processed by the respective merchants/acquirers as an online transaction type through the MasterCard International Incorporated and/or Visa Worldwide networks and which are successfully captured and posted. "Overseas Transactions" shall mean all posted overseas transactions successfully carried out outside Singapore and charged in foreign currency to a Card account and/or to the account of a supplemental cardholder of an Eligible Applicant and which are successfully captured and posted. "Excluded Transactions" shall mean any of the following:- • foreign exchange transactions (for example but not limited to Forex.com, etc.), cash advances, late

payment charges, bank charges, personal loan charges, balance and/or funds transfer transactions, cash instalment plans, tax payments, donations and payments to charitable and social organisations (MCC 8398), transactions relating to HSBC's Cash Instalment Plan, quasi-cash transactions (for example but not limited to transactions relating to money orders, traveler's checks, gaming related transactions, lottery tickets) and any other fee charges in respect of a

PUBLIC - 19

Card. In the case of transactions relating to instalment payment plans of any merchant, only the instalment amount charged to a Card within the Qualifying Spend Period (as defined below) qualifies as a Qualifying Transaction, and not the aggregate amount of the instalment plan;

• transactions relating to the trading of securities of any kind including but not limited to any top up of any cash amount required by a financial institution;

• transactions relating to payments and money transfers made through the internet (including but not limited to Paypal, SKR skrill.com);

• any transaction that is subsequently cancelled, voided, disputed or reversed for any reason; and/or • such other categories of transactions which HSBC may exclude from time to time without notice or

giving reasons. "Card Account Opening Date" means the calendar month printed on the letter sent to an Eligible Applicant enclosing his/her Card issued pursuant to this Promotion.

Mechanics

To qualify for the Promotion, an Eligible Applicant must fulfill the conditions set out below (each a " Qualified Cardholder") to be entitled to the following gifts ( "Gift") for each relevant offer (" Offer"): Offer 1: American Tourister or S$50 cash back

11. Eligible Applicants are required to charge to their Card, within the respective Qualifying Spend Period (as set out in Clause 23) a minimum of S$600 in Qualifying Transactions to their Card to receive the relevant Gift: Gift A – Eligible Applicant who does not hold any existing Card, and did not cancel a Card within the last 12 months prior to the Card Account Opening Date (each a " New Cardholder") shall be entitled to receive an American Tourister Caravan 70cm TSA luggage worth S$260; and Gift B – – Eligible Applicant who holds an existing Card issued more than 24 months and did not cancel any Card within the last 12 months prior to the Card Account Opening Date (each an " Existing Cardholder") shall be entitled to receive S$50 cash back.

New Cardholder Existing Cardholder

Gift for Primary Card

Gift for Primary Card • Must not hold any existing Card*; • Did not cancel any Card within last

12 months*; and • Charge a minimum of S$600 in


*in each case prior to the approval date of their new Card application under this Promotion.

Gift for Primary Card • Existing Card must be issued

more than 24 months earlier*; • Did not cancel any Card within

last 12 months*; and • Charge a minimum of S$600 in


*in each case prior to the approval date of their new Card application under this Promotion.

Gift if application for 1 or more Supplementary Card is submitted at the same time

S$20 cash back

PUBLIC - 20

Gift (Total) American Tourister Caravan 70cm TSA luggage worth S$260 with S$20 cash back

S$70 cash back

12. Fulfillment of the Gift will be done no later than three (3) months from Card Account Opening Date, after

HSBC determines in its discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.

13. For Gift A, an SMS redemption code with the redemption details ("SMS") will be sent to the Qualified

Cardholder's valid mobile phone number (based on HSBC's records). In the event there is no valid mobile phone number, a redemption letter will be sent to the Qualified Cardholder's billing address (based on HSBC's records). Any request for early fulfillment of a Gift will be not be granted nor entertained by HSBC.

14. Any SMS or redemption letter that is lost, misplaced or damaged is strictly non-replaceable and Gift

redeemed is not exchangeable, non-transferable and non-replaceable.

15. Gift A is available in two colours (Purple or Silver), subject to availability at the point of redemption.

16. For Gift B, the cash back will be credited into the Qualified Cardholder's Card account, after HSBC determines in its discretion that the criteria under this Promotion have been met by the Fulfilment Date (as set out in Clause 23), barring any unforeseen technical delays.



18. Each Qualified Cardholder is limited to a maximum of one Gift, regardless of the number of Cards applied

for. Offer 2: Bonus 5% cash back

19. Eligible Applicants are required to charge to their Card, within the respective Qualifying Spend Period (as

set out in Clause 23), a minimum of S$600 in Qualifying Transactions to qualify for the bonus 5% cash back (capped at S$50 per Qualifying Month).The cash back will be based on the transaction amount charged to the Card through an Online Transaction via the website or mobile phone app within the Qualifying Spend Period.

20. In the event that the Qualifying Cardholder holds more than one approved Card, the minimum spend

requirement applies, and only the Card with the highest qualifying Online Transactions is eligible for the cash back for Offer 2. The cash back will be credited into the Qualified Cardholder’s qualifying Card account, after HSBC determines in its discretion that the criteria under this Promotion have been met by the Fulfilment Date (as set out in Clause 23), barring any unforeseen technical delays.



22. Eligible Applicants who did not fulfill the criteria set out in Offer 1 to qualify for Gift A or B may still qualify for

the cash back in Offer 2 if he/she fulfills the criteria set out for Offer 2, and vice versa. Qualifying Spend Period and Fulfilment Date

23. The Qualifying Spend Period and Fulfilment Date(s) for Offer 1 and 2 as set out below:

Offer 1 Offer 2

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Card Account Opening Date


Fulfilment Date

Qualifying Spend Period Fulfilment Date

1 – 31 January 2018

1 January – 28 February 2018

By 31 March 2018

a. 1 – 31 March 2018 b. 1 – 30 April 2018

a. By 30 April 2018 b. By 31 May 2018

1 – 28 February 2018

1 February – 31 March 2018

By 30 April 2018

a. 1 – 30 April 2018 b. 1 – 31 May 2018

a. By 31 May 2018 b. By 30 June 2018

1 – 15 March 2018

1 March – 30 April 2018

By 31 May 2018

a. 1 – 31 May 2018 b. 1 – 30 June 2018

a. By 30 June 2018 b. By 31 July 2018

24. Only Card accounts that are maintained in good standing and conducted in a proper and satisfactory

manner as determined by HSBC in its discretion at the time of fulfillment will be eligible for the Gift and cash back. In the event that the Card is voluntarily or involuntarily closed, terminated or suspended for any reasons whatsoever before a Gift is accorded or the cash back credited to the Qualified Cardholder, HSBC reserves the right to forfeit the Gift or cash back at its sole discretion.

25. For the avoidance of doubt, the following table illustrates the eligibility criteria for this Promotion.

Scenario 1: Card Account Opening Date in January 2018 and is a New Cardholder


From 1 January to 28 February From 1 to 31 March From 1 to 30 April



S$1,500 Qualifying Transactions; S$1,200 at selected online merchants


Eligibility Qualify for Gift A S$50 cash back (5% of S$1,200 is S$60; capped at S$50)

NIL (Qualifying spend of S$600 not met)

Scenario 2: Card Account Opening Date in February 2018 and is an Existing Cardholder


From 1 February to 31 March From 1 to 30 April From 1 to 31 May


S$300 Qualifying Transactions Did not charge to the Card


Eligibility Did not qualify for Gift B NIL S$10 cash back

(5% of S$200 is S$10)

PUBLIC - 22

HSBC's Personal Loan Interest Rate Promotion / HSBC's Personal Loan Cash Back Promotion / HSBC's Personal Loan Processing Fee Waiver Promotion

(A) General terms and conditions

1. Customers on staff preferential interest rates are not eligible for HSBC's Personal Loan Cashback Promotion and HSBC's Personal Loan Interest Rate Promotion, unless otherwise specified by the Bank.

2. All the terms and conditions under HSBC's Personal Loan Cashback Promotion and HSBC's Personal Loan

Interest Rate Promotion should be read in conjunction with the prevailing personal line of credit and personal term credit terms and conditions.

3. The Bank reserves the right to vary the terms and conditions of and to suspend or terminate HSBC's

Personal Loan Cashback Promotion and HSBC's Personal Loan Interest Rate Promotion at any time without prior notice.

4. The Bank's decision on all matters relating to HSBC's Personal Loan Cashback Promotion and HSBC's

Personal Loan Interest Rate Promotion is final and no appeal or correspondence will be entertained.

5. Interest rates are subject to change without prior notice.

6. Minimum annual income of S$30,000 to be eligible. (B) Loan amount of up to 8 times your monthly income

1. For Singaporeans and Singapore Permanent Residents with an annual income with at least S$30,000 but less than S$120,000, the total loan amount for HSBC's Personal Loan will be capped at up to four times your monthly income as indicated in the income documents submitted, or an amount HSBC may in its discretion determine. This is subject always to your aggregate maximum credit limit with HSBC for all unsecured facilities, regardless of the number of HSBC credit card(s) and/or Unsecured Loans Facility(ies) you hold or apply for, being no more than four times your monthly income. For Singaporeans and Singapore Permanent Residents with an annual income of at least S$120,000, the total loan amount for HSBC's Personal Loan will be capped at up to eight times your monthly income as indicated in the income documents submitted, subject to a maximum of S$200,000, or an amount HSBC may in its discretion determine. For foreigners residing in Singapore, a minimum annual income of S$40,000 is required and your employment pass must be valid at least for a year from the loan disbursement date. The loan amount will be capped at up to four times your monthly income as indicated in the income documents, subject to a maximum of S$100,000, or an amount HSBC may in its discretion determine.

(C) Longest loan tenor of up to 7 years

1. Loan tenors of six and seven years are only applicable for salaried employees earning an annual income of S$30,000 and above.

(D) Redraw on your existing loan

1. This programme is open to existing HSBC's personal loan customers who apply to redraw from their HSBC's personal loan account, subject to approval by HSBC.

2. The minimum loan amount to redraw is S$1,000.

3. Customers have to continue with the repayment of the existing monthly instalment plan, whether or not the

redraw application is approved.

http://www.hsbc.com.sg/1/PA_ES_Content_Mgmt/content/singapore/personal/loans/ploc/pdf/ploc.pdf


PUBLIC - 23

4. Upon approval of the redraw application, a new HSBC's personal loan account may be opened for the redraw amount, subject to HSBC's discretion. Customers will be notified of the approval of the redraw application via a notification letter.

a) Where a new HSBC's personal loan account is opened in connection with the approval of the

redraw application, the notification letter will state the loan amount, loan tenor, monthly instalment and the loan drawdown date of the new HSBC's personal loan account. Customers shall ensure that they fulfill monthly repayments under any and all new and existing HSBC's personal loan accounts.

b) Where no new HSBC's personal loan account is opened in connection with the approval of the

redraw application, the notification letter will state the revised loan amount, loan tenor, monthly instalment and the new loan drawdown date of the existing HSBC's personal loan account. Customers shall ensure that they fulfill monthly repayments under the HSBC's personal loan account, in accordance with the revised details, as set out in the notification letter.

5. Should the redraw application be approved, the customer's monthly repayments will be deducted from the

customer's existing repayment account.

6. Customers shall give at least thirty (30) calendar days' prior original written notice to the Bank should they wish to make any partial or full early repayment of their loan. An early repayment fee amounting to:

a) S$150 (for personal loan account approved on or before 30 November 2015 and if my redemption

date falls within 1 year from date of approval); or

b) 2.5% of the redemption amount (for personal loan account approved on or after 1 December 2015)

7. Customers on staff preferential interest rates are not eligible for this programme, unless otherwise specified by the Bank.

8. The Bank reserves the right to vary the terms and conditions of and to suspend or terminate this

programme at any time without prior notice.

9. The Bank's decision on all matters relating to this programme is final and no appeal or correspondence will be entertained.

10. All the terms and conditions under this programme should be read in conjunction with the prevailing

Personal Line of Credit & Personal Term Credit Terms and Conditions. (E) Approval in-principle terms and conditions

1. The online application is subject to approval.

2. The on-screen notifications of the outcome of the application will appear within 1 minute for applications submitted between 8 am and 11.59pm provided the Bank's server is not experiencing unexceptionally high volume or undergoing system maintenance. For the avoidance of doubt, 1 minute approval in-principle does not apply to applications submitted between 12am and 7.59am.

3. Approval in-principle is a provisional approval provided by the Bank based on the information provided by

the applicant. Upon the applicant's fulfillment of all the Bank's requirements including submission of the documents as stated on the Letter of Instruction, the Bank shall review and if appropriate, grant a formal approval and provide the applicant with a newly opened Personal Loan or personal line of credit account.

4. Approval in-principle is only valid for 14 days during which the applicant must submit the necessary

documents to the Bank for processing.

5. Approval in-principle is only applicable for online applications.

PUBLIC - 24

6. Approval in-principle is not applicable for joint applicants and other circumstances as may be prescribed by the Bank from time to time.

7. HSBC reserves the right to vary these terms and conditions without prior notice at any time.

8. These terms and conditions should be read in conjunction with the personal line of credit and personal term

credit terms and conditions. (F) HSBC's "Next Day" Personal Loan Approval

1. The "Next Day" Loan Approval service (the "Service) is available to Singaporeans and Singapore Permanent Residents, who submit their application for a new personal loan online at www.hsbc.com.sg, and whose personal loan of no more than SGD100,000 ("Eligible Applicants") is subsequently approved.

2. HSBC must receive complete, clear and valid application with clear and relevant supporting documents (the

"Valid Application") acceptable to HSBC.

3. If the Valid Application is received by and acceptable to HSBC, the personal loan will be approved by the next working day and the loan proceeds will immediately be disbursed into a Singapore Dollar repayment account, which the Bank will open in the name of the Eligible Applicant.

4. Existing HSBC personal loan customers applying for a redraw are not eligible for this Service.

5. This Service is not applicable to all HSBC staff loans.

6. These terms and conditions of this Service should be read in conjunction with personal line of credit and

personal term credit terms and conditions.

7. HSBC may, at its discretion, revise these terms and conditions or withdraw this Service at any time without prior notice.


(G) HSBC's Personal Loan Interest Rate Promotion

1. To participate in HSBC Bank (Singapore) Limited's ("HSBC") Personal Loan Interest Rate Promotion (the "Interest Rate Promotion"), applicants must submit their application for a new personal loan between 2 January 2018 and 2 March 2018, both dates inclusive (the "Promotional Period"), and the application must be approved by HSBC (in its discretion) by 31 March 2018 (such applicants, the "Eligible Applicants").

2. Existing HSBC's Personal Loan customers applying for a redraw are not eligible for this Interest Rate

Promotion.

3. Eligible Applicants shall enjoy the following interest rates in respect of their Loans:

a) Retail banking customers with an approved loan amount of S$10,000 or more will enjoy (i) 10% if the approved loan tenor is one (1) or two (2) years; or (ii) 9% if the approved loan tenor is three (3) to seven (7) years; or

b) effective interest rate of 7% p.a. for existing Premier customers; or

c) effective interest rate of 8% p.a. for existing Advance customers

4. The terms and conditions of this Interest Rate Promotion should be read in conjunction with HSBC's Personal Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at www.hsbc.com.sg/loan.

http://www.hsbc.com.sg/




PUBLIC - 25

5. HSBC may, at its discretion, revise these terms and conditions (including but not limited to varying the Promotional Period) or withdraw this Interest Rate Promotion at any time without prior notice.


(H) HSBC's Personal Loan Cashback Promotion

1. To participate in HSBC Bank (Singapore) Limited’s ("HSBC") Personal Loan Cashback Promotion (the “Cashback Promotion”), applicants must

a) submit their application for a new personal loan to HSBC (except via third party sales agencies)

between 2 January 2018 and 2 March 2018, both dates inclusive (the “Promotional Period”) and the application must be approved by HSBC (in its discretion) by 31 March 2018; and

b) consent to receive direct marketing and promotional materials from HSBC by indicating on the

application form or Letter of Instruction (such applicants, the “Eligible Applicants”).

2. Existing HSBC’s Personal Loan customers applying for a redraw are not eligible for this Cashback Promotion.

3. A cashback amount of S$88 (the “cashback”) will be credited to the Eligible Applicant’s HSBC’s Statement

Savings Account, opened upon approval of the HSBC’s Personal Loan application, within three (3) calendar months from the approval date of the HSBC’s Personal Loan application, barring any unforeseen technical delays.

4. The award of the cashback is subject to the customer’s HSBC’s Personal Loan Account (the “Account”)

being maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC at its discretion during the Promotional Period and at the time of credit.

5. Eligible Applicants who have received the cashback and subsequently cancel their HSBC’s Personal Loan

or make premature repayments (partial or full) to the Account within 12 months from the date of approval of the HSBC’s Personal Loan application are required to refund HSBC the full cashback amount.

6. The terms and conditions of this Cashback Promotion should be read in conjunction with HSBC's Personal

Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at www.hsbc.com.sg/loan.


Promotional Period) or withdraw this Cashback Promotion at any time without prior notice.

8. All information is accurate at the time of posting online. (I) HSBC's Personal Loan Processing Fee Waiver Promotion

1. To participate in HSBC Bank (Singapore) Limited's ("HSBC") Personal Loan Processing Fee Waiver Promotion (the "Processing Fee Waiver Promotion"), applicants must submit their application for a new personal loan ("Loan") between 2 January 2018 and 2 March 2018, both dates inclusive (the "Promotional Period") and the application must be approved by HSBC (in its discretion) by 31 March 2018 (such applicants, the "Eligible Applicants").

2. Existing HSBC's Personal Loan customers applying for a redraw are not eligible for this Online Promotion.

3. The Eligible Applicants will receive a waiver of processing fee in respect of their HSBC's Persoanl Loans,

equivalent to S$88.

4. The terms and conditions of this Processing Fee Waiver Promotion should be read in conjunction with HSBC's Personal Line of Credit & Personal Term Credit Terms and Conditions, the latest copy of which is available online at www.hsbc.com.sg/loan.



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Promotional Period) or withdraw this Processing Fee Waiver Promotion at any time without prior notice.


HSBC Existing Premier and Advance Account Step Up Bonus Interest Debit Card Bundle Promotion (“Promotion”)

1. This Promotion is valid from 1 March 2018 to 31 March 2018, both dates inclusive or such other date(s) as

may be determined by HSBC Bank (Singapore) Limited (“HSBC” or “the Bank”) at is discretion (“Promotional Period”).





a) Signs up to participate in this Promotion via any of the modes described below; and b) Deposits fresh funds into his/her Eligible Account in the Relevant Month, will be eligible for this






For the avoidance of doubt, Eligible Customers who sign up for this Promotion in March 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months March 2018, April 2018 and May 2018. Eligible Customers must satisfy all the conditions of this Promotion before any Bonus Interest is paid.

(b) For each Relevant Month, Eligible customers will enjoy additional bonus interest (“Debit Card Additional Bonus Interest”) on the Top-up Amount (as defined below) at the rates set out in the table below if they successfully charge the following minimum spend in Retail Transaction(s) (as defined below) to their Debit Card (as defined below) by 2359 hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000:




S$1 to S$100,000 S$500 0.95% p.a.

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(c) For each Relevant Month, Eligible Customers will enjoy additional bonus interest (“Remittance Additional Bonus Interest”) on the Top-up Amount at the rates set out in the table below if they perform a remittance involving a foreign exchange transaction using the WorldWide Transfer (“WWT”) system, available on HSBC’s Personal Internet Banking platform, by 2359 hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000.

Eligible Account Top-up Amount Minimum Remittance

Amount with FX Remittance Additional Bonus Interest Rate


S$1 to S$100,000 S$1 0.73% p.a.

(d) During the promotional period, Eligible Customers will enjoy additional bonus interest (“Insurance Additional Bonus Interest”) on the SGD deposit balances at the rates set out in the table below if they purchase an Eligible Insurance Plan (as defined below), subject to a minimum balance of S$1 and a maximum of S$100,000. Eligible Insurance Plan






S$15,000 to S$23,999

US$10,000 to US$16,999

S$1 to S$100,000 2.70% p.a.

S$24,000 to S$35,999

US$17,000 to US$24,999

S$1 to S$100,000 4.30% p.a.

S$36,000 and above

US$25,000 and above

S$1 to S$100,000 6.70% p.a.


6. Bonus Interest and Additional 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.


Eligible Account.








PUBLIC - 28








Top-up Amount in Premier account S$150,000 Top-up Amount in Statement Savings account S$50,000 Sum of Deposits TRB S$200,000




(i) transactions using NETS and QuickCash functionality; (ii) fees or charges including annual fee, service fee and other miscellaneous fees in respect of the

Debit Card; (iii) cash withdrawal at ATM machine; and, (iv) any amount charged to the Debit Card during each Relevant Month that is subsequently cancelled,

voided or reversed.

“Top-up Amount” means the increase in Deposits TRB for the relevant calendar month compared against the relevant Deposits TRB for the reference month of February 2018:


Month Top-up Amount February 2018 (reference month) S$50,000 March 2018 S$200,000 Top-up amount, i.e., Incremental Deposits TRB in March S$150,000

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HSBC New Premier and Advance Account Step Up Bonus Interest Debit Card Bundle Promotion (“Promotion”)

1. This Promotion is valid from 1 March 2018 to 31 March 2018, both dates inclusive or such other date(s) as

may be determined by HSBC Bank (Singapore) Limited (“HSBC” or “the Bank”) at its discretion (“Promotional Period”).

2. New HSBC Premier, Advance and Personal Banking customers who open a HSBC Premier, Advance or

Statement Savings account ("Eligible Account") and maintain the Eligible Account in good standing during the Promotional Period ("Customers") will automatically qualify for the Promotion in the month that the account is opened. For clarity, only those accounts which are stated to be a Premier, Advance or Statement Savings account in a Customer’s bank statement will qualify as an Eligible Account under this Promotion. Customers who have closed an Eligible Account in the last 30 days prior to the start of the Promotional Period are not eligible for this Promotion.



a) establishes an Eligible Account; and,

b) deposits fresh funds into his/her Eligible Account in any Relevant Month,

will be eligible for this Promotion (“Eligible Customer”).




For the avoidance of doubt, Eligible Customers who open an Eligible Account in March 2018 will be paid Bonus Interest on the Top-up Amount for the calendar months of March 2018, April 2018 and May 2018.

(b) For each Relevant Month, Eligible Customers will enjoy additional bonus interest (“Debit Card Additional Bonus Interest”) on the Top-up Amount at the rates set out in the table below if they charge the following minimum spend in Retail Transaction(s) (as defined below) to their Debit Card (as defined below) by 2359hrs on the last calendar day of that Relevant Month, subject to a minimum Top-up Amount of S$1 and a maximum Top-up Amount of S$100,000.

Eligible Account Top-up Amount Minimum Debit

Card spend Debit Card Additional Bonus Interest Rate


S$1 to S$100,000 S$500 and above 0.95% p.a.


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Eligible Account Top-up Amount Minimum Remittance Amount with FX

Remittance Additional Bonus Interest Rate


S$1 to S$100,000 S$1 0.73% p.a.


Eligible Insurance Plan






S$15,000 to S$23,999

USD 10,000 to USD16,999

S$1 to S$100,000 2.70% p.a.

S$24,000 to S$35,999

USD 17,000 to USD 24,999

S$1 to S$100,000 4.30% p.a.

S$36,000 and above

USD 25,000 and above

S$1 to S$100,000 6.70% p.a.


6. Bonus Interest and Additional Bonus Interest will be calculated monthly 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 an Eligible Account.

7. Prevailing interest (if any) on an Eligible Account will be computed daily and paid out monthly into the

relevant Eligible Account.

8. Bonus Interest and Additional Bonus Interest (as the case may be) will be credited into an Eligible Account in SGD by the end of the second month following the Relevant Month in which the Bonus Interest or Additional Bonus Interest (as the case may be) was accrued. In all cases, Eligible Customers must satisfy all the conditions of this Promotion before any Bonus Interest or Additional Bonus Interest (as the case may be) is paid.


are eligible for this Promotion. The terms and conditions governing personal deposit accounts, terms and conditions governing HSBC Premier/Advance and Personal Deposit accounts (as the case may be) and the HSBC debit card cardholder’s agreement will apply. For clarity, if an Eligible Customer has signed up his/her Eligible Account(s) for any earlier deposit promotion (which awards bonus interest and/or additional bonus interest) and such earlier promotion is still on-going during the Promotional Period, the subject Eligible Account(s) are not eligible for this Promotion.

10. The Bank may levy an administration charge (early account closure charge) if the Eligible Account is closed

within six (6) months of the date on which it is opened. 11. The Bank shall be entitled to a reasonable period of time to process instructions and may not complete any

placement / transaction in respect of an Eligible Account on the same day of receipt of the customer's instruction. The Bank shall not be liable for any loss or damage resulting from any such delay in effecting instructions or transactions.



PUBLIC - 31


14. 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.



16. Unless otherwise defined above, the following defined terms apply to this Promotion: “Deposits Total Relationship Balance” or “Deposits TRB” means the sum of average daily balances for the calendar month, taking into account all Singapore dollar Current / Savings Accounts held in the same name with the HSBC Bank (Singapore) Limited in Singapore. For the purpose of this Promotion, Deposits TRB excludes deposits in Singapore Dollar Time Deposit accounts, Secured Overdraft Accounts, Smartmortgage Accounts and Investment Financing Accounts.


Top-up Amount in Premier Account S$150,000 Top-up Amount in Statement Savings account S$50,000 Sum of Deposits TRB S$200,000

“Debit Card” means an Eligible Customer’s debit card issued by HSBC in Singapore bearing the name/service mark of VISA which is linked to the Eligible Account for purposes of settlement of debit card transactions and governed by The HSBC Debit Card Cardholder’s Agreement.

“fresh funds” means a deposit of funds from outside of HSBC into the Eligible Account. Transfers from existing

HSBC bank deposit accounts or via HSBC cheque(s), cashier’s order(s) or demand draft(s) are not permitted.


(i) transactions using NETS and QuickCash functionality; (ii) fees or charges including annual fee, service fee and other miscellaneous fees in respect of the Debit

Card; (iii) cash withdrawal at ATM machine; and (iv) any amount charged to the Debit Card during each Relevant Month that is subsequently cancelled,

voided or reversed.

“Relevant Month” means each consecutive calendar month up to 3 months from the date the Eligible Customer opens an Eligible Account, inclusive of the month during which the Eligible Customer opens an Eligible Account.

“Top-up Amount” means the increase in Deposits TRB for the relevant calendar month compared against the relevant Deposits TRB for the reference month of February 2018.


Month Top-up Amount February 2018 (reference month) S$50,000 March 2018 S$200,000 Top up amount, i.e., Incremental Deposits TRB in March 2018 S$150,000

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HSBC Advance Time Deposit Promotion (“Promotion”) Promotional Terms and Conditions

1. This Promotion is valid from 1 March 2018 to 31 March 2018 (both dates inclusive) or such other date(s) as may be determined by HSBC at its discretion (“Promotional Period”).

2. This Promotion is offered by HSBC Bank (Singapore) Limited ("HSBC" or “the Bank”) exclusively to new

and existing HSBC Advance customers who make a time deposit (“TMD”) placement hereunder (“Eligible Customers”). For avoidance of doubt, joint account holders to an Advance account will be considered one Eligible Customer.

Promotional Time Deposit Interest Rate

3. The type of currency available for time deposit placement under this Promotion is Singapore Dollar (“SGD”) only.

4. The promotional time deposit interest rate (“Promotional Rate”) applicable to SGD TMD of a 6-month tenor

is 1.15% p.a. and 12-month tenor is 1.25%p.a.

5. The minimum and maximum TMD placement amount is SGD30,000 and SGD1,200,000 respectively for all Eligible Customers.

6. Each Eligible Customer is entitled to only one TMD placement per tenor under this Promotion.

7. The Promotional Rates set out in clause 4 may be changed or withdrawn at any time during the Promotional

Period without any prior notice. Notwithstanding the foregoing, once you have deposited funds with us under the Promotion, the interest rate applied to those funds will be fixed until maturity.

8. To be eligible for this Promotion, all deposits must be made during the Promotional Period with fresh funds

only ((i) funds originating from any existing account with the Bank, and (ii) funds that are withdrawn and re-deposited within the last 30 days, are not permitted).

9. All exchange transactions shall be effected at the Bank’s prevailing exchange rate. Where the Bank is

unable to provide a firm exchange rate quotation, the Bank 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 you through the originating account or any account you have with the Bank or by such other means as determined by the Bank. There may be a gain or loss when you convert foreign currency. Eligible Customers are advised to make independent judgment with respect to any matter contained herein. For the avoidance of doubt, the Bank shall not be liable for any delay in effecting such conversion, instructions or transactions.

10. No interest (whether at the Promotional Rates or otherwise) will be payable on the TMD if it is not held to maturity. For the avoidance of doubt, if the TMD is withdrawn prematurely, only the principal amount (without interest) will be returned.

11. Upon maturity of the TMD placement(s), the principal and interest amounts of the SGD TMD will be

renewed at the Bank’s prevailing time deposit board rate for the like tenor, unless other maturity instructions are provided by the account holder.


12. This Promotion is not valid with other offers or promotions unless otherwise stated.

13. Only personal accounts are eligible for the Promotion and terms and conditions governing personal deposit accounts as well as terms and conditions governing HSBC Advance (collectively the “Account Terms”) will apply. In the event of any conflict between these Promotional Terms and Conditions and the Account Terms, in respect of this Promotion, the Promotional Terms and Conditions shall apply.

14. The Bank may levy an administration charge (early account closure charge) if the HSBC Advance Account

with the Bank is closed within six (6) months of the date on which it is opened.

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15. The Bank shall be entitled to a reasonable period of time to process instructions and may not complete the

placement / transaction on the same day of receipt of the customer's instruction. The Bank shall not be liable for any loss or damage resulting from any such delay in effecting instructions or transactions.


SGD 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.

17. The Bank may, at its discretion, revise these Terms and Conditions (including but not limited to varying the

Promotional Period) or withdraw this Promotion at any time without prior notice.

18. These Promotional Terms and Conditions are governed by the laws of the Republic of Singapore and the parties submit to the non-exclusive jurisdiction of the courts of Singapore.

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