Terms and Conditions of HSBC's Personal Loan and Personal Line of Credit Referral Programme 2012

1. The HSBC's Personal Loan and Personal Line of Credit Referral Programme (the "Programme") is valid till 31 March 2012, unless otherwise specified.

2. The referral is considered successful when the applicant (the "Referee") completes and submits the application by 31 March 2012 and the application is approved by 30 April 2012.

3. If more than one person (the "Referrer") introduces the same referee whose HSBC's personal loan or personal line of credit has been successfully approved, only the first referrer will be considered eligible.

4. The referrer shall consent to HSBC disclosing his/her name to the referee whom he/she had referred.

5. Referrer cannot refer him/herself to be the referee.

6. There is no restriction to the number of referrals as long as all applications submitted fulfil the terms and conditions of this programme.

7. HSBC has the right to exclude anyone from this programme in its absolute discretion without any obligation to provide notice or reason.

8. HSBC's decision on all matters relating to this programme, including without limitation on the time of receipt of the referral form and application forms by HSBC is final and no appeal or correspondence will be entertained.

9. HSBC reserves the right in its absolute discretion to vary, delete or add to any of these terms and conditions of this programme or change or withdraw the programme at any time without giving any reason or prior notice. In case of any dispute, the Bank’s decision is final.

10. All the terms and conditions under the programme should be read in conjunction with the prevailing Personal Line of Credit and Personal Term Credit Terms and Conditions.

Shopping vouchers promotion

1. Existing HSBC's customers who are not HSBC's personal loan or personal line of credit customers who refer applicants and whose application for HSBC's personal line of credit or HSBC's personal loan has been successfully approved, will receive S$30 shopping vouchers for every successful referral.

2. Non-HSBC Customer referrers who refer referees and whose application for HSBC's personal loan or personal line of credit has been successfully approved will receive S$20 shopping vouchers for every successful referral.

3. The referrer will receive the shopping vouchers within the next month from the referee's personal line of credit account opening date or personal loan disbursement date respectively, unless otherwise determined by the Bank. For example, for successful referrals made in December 2009, the referrer will receive shopping vouchers in January 2010.

4. The shopping vouchers are not exchangeable for cash, points or other rewards from HSBC. Terms and conditions of the shopping vouchers apply.

5. HSBC is not a supplier of the products or services redeemed under the shopping vouchers and will not accept any liability in relation thereto.