Terms and conditions

1. The programme is valid from 16 February 2009 till 15 March 2009.

2. Only applicants with a minimum non-HSBC outstanding loan of S$100,000 for HDB property and S$200,000 for private property qualify to participate in this programme.

3. Only non-HSBC outstanding home loan documents submitted during the programme period and dated not more than two months from submission date are acceptable.

4. Applicants who submit valid non-HSBC outstanding home loan documents and a duly completed HSBC home loan refinance form to HSBC via facsimile at facsimile number 6424 4159 will be entitled to receive a S$30 shopping voucher (the "Incentive").

5. HSBC reserves the right in its sole discretion not to award the Incentive if any information or documents provided are incomplete or inaccurate.

6. HSBC reserves the right in its sole discretion not to award the Incentive in the event it has already made any other payment or incentive (in the form of referral fees or otherwise) to the applicant or any other person in respect of the relevant property.

7. Each eligible applicant is only entitled to a one-time award of the Incentive. Offer is on while-stocks-last basis.

8. The Incentive will be mailed to successful applicants within two months from submission date.

9. The Incentive is not refundable or exchangeable for cash or any other items.

10. HSBC is not the supplier of the products or services redeemed under the programme and will not accept any liability in relation thereto.

11. HSBC reserves the right to replace the Incentive at any time at its discretion with another item of a similar value without notice.

12. HSBC reserves the right to add, amend or vary the terms and conditions of, or withdraw this programme in its sole and absolute discretion.

13. In case of dispute, HSBC’s decision is final. No correspondence will be entertained.