TERMS & CONDITIONS HSBC CHINESE NEW YEAR ONLINE PROMOTION (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).

PROMOTION PERIOD 2. The Promotion comprises of the following periods:(a) Card Sign-up Period is defined as the period when the customer applies for a primary Participating HSBC Bank/HSBC Amanah Credit Cards/-i through the HSBC Bank/HSBC Amanah website. The Card Sign-up st th Period runs from 1 January 2014 to 28 February 2014, both dates inclusive (Card Sign-up Period); (b) In-situ Approval Period is defined as the first 60 days from the date of the welcome letter that is sent to Eligible Cardholders (In-situ Approval Period); and th (c) Spend Period is defined as the period from the date of the welcome letter until 30 June 2014, both dates inclusive (Spend Period); (hereinafter collectively referred to as the Promotion Period).

ELIGIBILITY 3. This Promotion is open to any individual who is a resident of Malaysia who applies for any of the following primary HSBC Bank/HSBC Amanah credit card/-i online during the Card Sign-up Period which is/are subsequently approved by HSBC Bank/HSBC Amanah:a. HSBC Bank Credit Cards: HSBC Premier World MasterCard Credit Card, HSBC Visa Signature Credit Card, HSBC Visa Platinum Credit Card issued by HSBC Bank; and b. HSBC Amanah Credit Card-i(s): HSBC Amanah Premier World MasterCard Credit Card-i, HSBC Amanah MPower Visa Platinum Credit Card-i issued by HSBC Amanah; (hereinafter referred to as the Participating HSBC Bank/HSBC Amanah Credit Cards/-i) EXCEPT for the following categories of persons: i. Holder(s) of HSBC Bank/HSBC Amanah Credit Cards/-i that are not issued in Malaysia; and/or ii. Holder(s) of invalid or cancelled HSBC Bank/HSBC Amanah Credit Cards/-i and/or whose accounts are delinquent within HSBC Bank and HSBC Amanahs definition at any time during the Promotion Period; iii. Holder(s) of company and/or corporate HSBC Bank/ HSBC Amanah Credit Cards/-i; and/or iv. HSBC Bank/HSBC Amanah supplementary credit cardholders (hereinafter collectively referred to as the Eligible Cardholder).

PARTICIPATION CRITERIA 4. Eligible Cardholders must: (i) apply for a Participating HSBC Bank/HSBC Amanah Credit Card/-i online; (ii) activate it on approval and receipt thereof; and (iii) use it on Eligible Spend as per Clause 5.

ELIGIBLE SPEND 5. Eligible Spend for the Promotion are those that:

a) Are charged to any of the Eligible Cardholders Participating HSBC Bank/HSBC Amanah Credit Cards/-i during the Spend Period; and b) Include 0% installment plans, Internet transactions, local and overseas retail transactions; and c) Exclude cash advances, Balance Transfer, standing instructions/auto-billing, finance charges/ management fee, credit card annual fee and government service tax. (hereinafter collectively referred to as the Eligible Spend). 6. The tracking of the Eligible Spend is based on transaction dates (Malaysian Time).

THE OFFERS AND FULFILMENT CONDITIONS 7. The Promotion comprises three (3) offers: i. RM68 Cash back (Ang Pao1 offer) ii. RM126 Cash back (Ang Pao2 offer) th iii. Lucky 8 approved applicant (Lucky 8 offer)

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Ang Pao1 offer (a) The Eligible Cardholder will receive RM68 Cash Back after he/she uses his/her Participating HSBC Bank/HSBC Amanah Credit Card/-i on Eligible Spend three (3) times during the In-situ Approval Period. (b) The RM68 Cash Back shall be credited into the Eligible Cardholders Participating HSBC Bank/HSBC Amanah Credit Card/-i account sixty (60) days after the In-situ Approval Period, and this will be reflected in the Eligible Cardholders statement in the following month. (c) There is a maximum of 245 units of Ang Pao1 offer and Eligible Cardholders will be awarded the RM68 Cash Back per Participating HSBC Bank/ HSBC Amanah Credit Card/-i on a first-come first-serve basis, subject to availability. The maximum unit of Ang Pao1 offer is pooled together with the HSBC Amanah Chinese New Year Online Promotion. (d) The Ang Pao1 offer, i.e. RM68 Cash Back shall be granted for each of the Eligible Cardholders Participating HSBC Bank/HSBC Amanah Credit Card/-i, subject to Clause 8(a) and (c) above.

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Ang Pao2 offer (a) The Eligible Cardholder will receive RM126 Cash Back when he/she spends a minimum of RM1,500 per calendar month on Eligible Spend during the Spend Period. (b) Each Eligible Cardholder is entitled to receive a maximum of RM252 Cash Back per Participating HSBC Bank/HSBC Amanah Credit Card/-i, which will be given on a first-come first-serve basis, subject to the availability maximum of 490 units of Ang Pao2 offer for this Promotion. (c) The RM126 Cash Back shall be credited into the Eligible Cardholders Participating HSBC Bank/HSBC Amanah Credit Card/-i account sixty (60) days after the Eligible Customer has satisfied clause 9(a), and this will be reflected in the Eligible Cardholders statement in the following month. The maximum unit of Ang Pao2 offer is pooled together with the HSBC Amanah Chinese New Year Online Promotion. (d) The Ang Pao2 offer, i.e. RM126 Cash Back shall be granted for each of the Eligible Cardholders Participating HSBC Bank/HSBC Amanah Credit Card/-i, subject to Clauses 9(a) and 9(b) above.

10. Lucky 8 offer th (a) Every 8 approved Eligible Cardholder will receive additional RM168 Cash Back when he/she have satisfied the spend criteria of Ang Pao1 and Ang Pao2 offers as per Clause 8(a) and 9(a). th (b) The 8 approved Eligible Cardholder is determined based on the records in HSBC Banks/HSBC Amanahs systems when the fulfillment of offers is carried out. (c) The Lucky 8 offer, i.e. RM168 Cash Back shall be credited into the Eligible Cardholders Participating HSBC Bank/HSBC Amanah Credit Card/-i account sixty (60) days after the Spend Period, and this will be reflected in the Eligible Cardholders statement in the following month. (d) There is a maximum of 50 units of Lucky 8 offer and Eligible Cardholders will be awarded the RM168 Cash

Back per Participating HSBC Bank/HSBC Amanah Credit Cards/-i on a first-come first-serve basis, subject to availability. The maximum unit of Lucky8 offer is pooled together with the HSBC Amanah Chinese New Year Online Promotion.

Illustration of the Promotion is as follows:Illustration 1 rd Eligible cardholder applies for HSBC Visa Signature Credit Card on 3 January 2014 and the application is th th approved on 5 January 2014. The approved application is the 16 approved application during the Card Signup Period. The Eligible cardholder swipes 3 times on the Eligible Spend in the month of January 2014, followed by spending RM 3,000 in the month of February and another RM2,000 in the month of March. The Eligible cardholder will be entitled for total RM 488 Cash Back due to meeting conditions as follows:(a) (b) (c) (d) RM 68 Cash Back due to swiping 3 times during In-situ Approval Period (Ang Pao1 offer) ; AND RM 126 Cash Back due to spending RM 3,000 in February (Ang Pao2 offer) ; AND RM 126 Cash Back due to spending RM 2,000 in February (Ang Pao2 offer) ; AND th RM 168 Cash Back due to every 8 approved Participating HSBC Bank/ HSBC Amanah Credit Cards/-i.

Illustration 2 rd Eligible cardholder applies for HSBC Visa Signature Credit Card on 3 February 2014 and the application is th th approved on 7 February 2014. The approved application is the 30 approved application during the Card Signup Period. The Eligible cardholder swipes 3 times on the Eligible Spend in the month of February 2014, followed by spending RM 3,000 in the month of March and another RM2,000 in the month of April. The Eligible cardholder will be entitled for total RM 320 Cash Back due to meeting conditions as follows:(a) RM 68 Cash Back due to swiping 3 times during In-situ Approval Period (Ang Pao1 offer) ; AND (b) RM 126 Cash Back due to spending RM 3,000 in February (Ang Pao2 offer) ; AND (c) RM 126 Cash Back due to spending RM 2,000 in February (Ang Pao2 offer).

GENERAL TERMS & CONDITIONS 11. At the time of crediting the primary Eligible Cardholders Participating HSBC Bank/HSBC Amanah Credit Card/-i account with the Cash Back, all the Participating HSBC Bank/HSBC Amanah Credit Card/-i account(s) of the Eligible Cardholders MUST NOT be delinquent, and/or invalid or cancelled within HSBC Bank/HSBC Amanahs definition, otherwise they will be disqualified from participating or receiving the Cash Back from this Promotion. HSBC Bank / HSBC Amanah will not entertain any request from any Eligible Cardholders or any other person to credit the Cash Back to the Eligible Cardholders other or any third partys HSBC Bank/HSBC Amanah Credit Card/-i account. HSBC Bank / HSBC Amanah reserves the right to publish or display the name, picture and city of residence of the Eligible Cardholders who have been selected to receive the Cash Back for this Promotion for advertising and publicity purposes. By participating in this Promotion, the selected Eligible Cardholders 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. 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.

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These Terms and Conditions, as the same may be amended from time to time pursuant to Clause 14 shall prevail over any provisions or representations contained in any other promotional materials advertising this Promotion. HSBC Bank / HSBC Amanah may use any of the following modes to communicate notices in relation to this Promotion to the Eligible Cardholder: I. individual notice to the Eligible Cardholder (whether by written notice or via electronic means) sent to the Eligible Cardholders latest address/email address as maintained in the HSBC Banks / HSBC Amanahs records; II. press advertisements; III. notice in the Eligible Cardholders credit card statement(s); IV. display at its business premises; or V. notice on HSBC Bank / HSBC Amanahs 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.

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These Terms and Conditions are in addition to the respective Universal Terms and Conditions (UTCs) fo r HSBC Bank and HSBC Amanah of which the respective Cardholder Agreements are a part of and which regulate the provision of credit card/-i facilities by HSBC Bank and HSBC Amanah. The UTCs 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 in so far as they apply to this Promotion. 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. 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 Cardholder to any claim or compensation against HSBC Bank / HSBC Amanah for any and all losses or damages suffered or incurred by the Eligible Cardholder as a direct or indirect result of the act of cancellation, termination or suspension. HSBC Bank and HSBC Amanah shall only be liable for any loss or damage suffered or incurred as a direct result of HSBC Banks or HSBC Amanahs 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. The Eligible Cardholder 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.

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HSBC Banks / HSBC Amanahs decision on all matters relating to this Promotion including but not limited to the eligibility to participate, the selection of the recipient of the Cash Back for this Promotion, and in case of any dispute, shall be final and binding on all Eligible Cardholders who participate in this Promotion and no correspondence will be entertained. By participating in this Promotion, the Eligible Cardholder agrees to be bound by these Terms and Conditions and the decisions of HSBC Bank / HSBC Amanah. HSBC Bank is the sole funder of the Promotion.

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