HSBC Premier Referral Programme General Terms and Conditions

1. The HSBC Premier Referral Programme is open to existing HSBC customers in Singapore (residents and citizens of Singapore) who refer new customers to successfully start an HSBC Premier relationship between 1 April and 31 December 2008.
2. Successful referrers will receive S$200 Takashimaya gift vouchers when the referee starts an HSBC Premier relationship in Singapore with a minimum Total Relationship Balance of S$200,000 in deposits, investments and/or insurance.
3. Successful referrers will receive S$800 Takashimaya gift vouchers when the referee starts an HSBC Premier relationship in Singapore with a minimum Total Relationship Balance of S$1,000,000 in deposits, investments and/or insurance.
4. New Premier customers will receive additional S$100 Takashimaya gift vouchers if they successfully refer a friend or family member within three months of joining HSBC Premier.
5. The date of referral must not be later than the date of account opening.
6. There is no limit on the number of new customers to be referred by an eligible customer during the programme period.
7. Customers cannot refer themselves to receive Takashimaya gift vouchers.
8. If two different eligible customers refer the same customer who starts an HSBC Premier relationship during the programme period, only the first eligible customer who sent in the referral form will receive the Takashimaya gift vouchers.
9. HSBC Premier customers who close and re-open a single/joint HSBC Premier account during the programme period will not be eligible to participate in this programme.
10. New HSBC Premier customers who are referred by existing HSBC Premier customers must not have an existing HSBC Premier account presently or one during the past 12 months.
11. The HSBC Premier Referral Programme is not applicable to existing HSBC Premier customers who open new joint accounts, notwithstanding that the other joint account holder is a new HSBC Premier customer.
12. The Takashimaya gift vouchers issued are not redeemable for cash and use of the vouchers will be subject to terms and conditions of Takashimaya Singapore Limited. HSBC is not a supplier of the products or services offered under the programme and will not accept any liability in relation thereto.
13. HSBC reserves the right to vary, delete or add to these terms and conditions from time to time at its discretion and without prior notice. These terms and conditions prevail over the contents of any promotional material advertising the HSBC Premier Referral Programme.
14. HSBC reserves the right to make any changes to the promotion or replace the gift vouchers with another item of similar value without any prior notice.
15. HSBC reserves the right to deduct the equivalent voucher value from the referrer’s account in the event that the referee terminates his/her HSBC Premier relationship within 12 months.
16. HSBC reserves the right to amend the terms and conditions, and to suspend or terminate the programme without prior notice at any time.
17. HSBC Premier terms and conditions apply.
18. In case of any dispute with the customer, the decision of HSBC shall be final.
    

HSBC Premier Referral Programme Bonus Time Deposit Rates Terms and Conditions

1. Promotional rate is valid between 1 April 2008 and 31 January 2009.
2. Promotional rate is valid one-time only to the referrers for every successful referral made and is non-transferable.
3. Promotional rate is valid for one month from the date of referral.
4. Promotional rates applies to a minimum deposit of S$50,000 in Singapore dollar time deposits, subject to a maximum of S$1,000,000 and a minimum deposit of US$25,000 in US dollar time deposits, subject to a maximum deposit of US$500,000.
5. Promotional rate is valid only for placements of six months and above.
6. Promotional rate is valid only for personal accounts.
7. Offer is not valid with other promotions or discounts.
8. Promotional rate will not be applied automatically on existing time deposits. Deposits instructions must be given to the Relationship Manager for the promotional rates to be applied.
9. Prevailing pre-termination charges will apply if the time deposit(s) is/are not held to maturity.
10. HSBC may, at its discretion, vary, delete or add any of these terms and conditions, including but not limited to varying the promotion period and promotional rates, or withdraw this promotion at any time without giving any reasons or prior notice or assuming any liability to any customers.
11. Terms and conditions governing personal deposit accounts will apply.
12. The HSBC Premier Referral Programme General Terms and Conditions apply.
13. Under the provisions of the Deposit Insurance Act 2005, all Singapore dollar denominated deposits with HSBC held by individual depositors will be insured by the Singapore Deposit Insurance Corporation Limited for up to S$20,000.

HSBC Premier Referral Programme Top Referrer Terms and Conditions

1. The HSBC Premier Referral Programme Top Referrer is open to existing HSBC customers who refer new customers to successfully start an HSBC Premier relationship between 1 April and 30 June 2008.
2. Selected retailer must offer gift vouchers in order for the prize to be redeemed.
3. Full value of vouchers must be issued from one retailer.
4. Vouchers will be issued to the winner by 31 August 2008.
5. Referrers who terminate their accounts with the Bank before the issuance of the vouchers will be deemed to have forfeited their eligibility for the prize.
6. The voucher cannot be converted to cash and may be subject to terms and conditions imposed by any of the retailers in this promotion.
7. The Bank assumes no responsibility for any lost or damaged vouchers.
8. The Bank assumes no responsibility for the quality of any service/product provided by any of the suppliers.
9. The HSBC Premier Referral Programme General Terms and Conditions apply .