Introduction
The HSBC Infinity customer ("the Customer") agrees to be bound by these terms and conditions governing the use of HSBC Infinity (including, without limitation, the package of products and services) made or to be made available to the Customer. These terms and conditions shall be read in conjunction with the Bank's Terms and Conditions Governing Personal Deposit Accounts and all other prevailing terms, conditions, rules or regulations governing the products, services and privileges that are made available by the Bank to the Customer from time to time.

1.  Criteria for joining HSBC Infinity
1.1  To qualify for HSBC Infinity, the Customer needs to have a minimum of S$20,000 in Total Relationship Balance ("TRB") with The Hongkong and Shanghai Banking Corporation Limited ("the Bank") in Singapore or any other criteria determined by the Bank from time to time, based on the products and criteria listed below.

1.2  TRB is made up of the average daily balances for the calendar month, taking into account deposits, investments and insurance held in the name of the Customer with the Bank in Singapore. TRB of the Customer's sole account will include the balances of the Customer's joint accounts with HSBC. However, sole account balances will not be included when calculating the TRB for joint accounts. This means that joint accounts will need to separately maintain the minimum TRB to qualify for HSBC Infinity.

1.3  TRB includes:
(a) credit balances for deposit accounts, time deposits and Dual Currency Plus (“DCP”)
(b) market value for unit trusts, investment-linked insurance plans and non-capital protected structured products
(c) nominal value for capital protected structured products and bonds
(d) cash value for traditional insurance policies (Note: AIA policies are excluded)

2.  Infinity Service Fee
2.1  A non-refundable service fee will be imposed if the Customer maintains less than the minimum balance of S$20,000 in TRB or such other amount as advised by the Bank from time to time for the previous month. The Bank shall have the right, by giving the Customer prior written notice, to revise the rate of the fees and charges, to impose new fees and/or charges and/or to change the frequency or manner of payment or such other matters concerning fees and charges as determined by the Bank from time to time.

2.2  The Customer agrees to pay to the Bank and authorises the Bank to debit the designated account or any other accounts with the Bank for the above Infinity Service Fee.

3.  Global House View ("GHV") dedicated phone access
3.1  This exclusive phone access is available to all HSBC Infinity customers. Designated officers who attend the call will share with the Customer a consolidated view from HSBC Global Asset Management on major market and asset class information, commentaries, forecasts and analyses.

3.2  Where appropriate, the Customer will be directed to his or her designated branch or an appointment can be arranged with a staff member at the relevant branch of the Customer's choice, subject to availability.

3.3  The GHV hotline is available during office hours and the Bank reserves the right to change the availability of the GHV phone access from time to time.

4.  Telephone and facsimile indemnity
The Customer shall keep the Bank indemnified at all times against, and hold the Bank harmless from all actions, proceedings, claims, losses, damages, costs and expenses which may be brought against or suffered or incurred by the Bank and which may have arisen either directly or indirectly out of or in connection with the Bank performing its obligations hereunder or accepting instructions received from or purportedly given by the Customer, including but not limited to, facsimile and other telecommunications instructions, and acting or failing to act thereon. Such indemnity shall continue notwithstanding the termination of HSBC Infinity package. All such indemnified amounts may be debited from the Customer's current account or other savings/current account(s) with the Bank.

5.  Amendment to Terms
The Bank reserves the right to review and vary these terms and conditions for HSBC Infinity from time to time, including, without limitation, to terminate the HSBC Infinity relationship with the Customer. In addition, the Bank reserves the right to suspend, freeze, terminate and/or close any account or the use of any products, services or privileges without assigning any reason whatsoever and with or without notice to the Customer. In the event of the termination of the HSBC Infinity relationship or the account(s), then without prejudice to any other rights and remedies available to the Bank, the Customer shall return to the Bank all cards and cheque books previously issued to the Customer.