LAS SIETE ENVOLTURAS DEL CAMPO AURAL

1. The Cash-on-EMI facility allows the Cardholder to avail of the cash advance facility on his/her HSBC Credit Card (Card) and repay the same in Equated Monthly Instalments (EMI). This facility will be available to select HSBC Advance Platinum Credit Cardholders. The availment/use of the Cash-on-EMI facility will be deemed to be unconditional acceptance of the terms and conditions and the Cardholder will be bound by the same. To check your eligibility, please contact the HSBC PhoneBanking Officers. This offer is applicable to HSBC Credit Cardholders.

2. The Cash-on-EMI amount will be provided in the form of an INR cashier order issued or by transfer of funds via National Electronic Funds Transfer (NEFT) facility by debit to the Cardholder’s account. The cashier order may be payable to self or to a third party.

3. Cashier orders issued for Cash-on-EMI are valid for the period mentioned on the cashier order. If the cashier order issued, is not presented for encashment within the said period, the same will be cancelled.

4. a. Cardholders also have an option to receive the Cash-on-EMI amount credit to their resident savings/current account with HSBC by transfer of funds via NEFT to other bank accounts. In such cases, the recipient account should belong to the Cardholder as a Resident Individual or Resident Joint (either or survivor) account. It is the sole responsibility of the Cardholder to provide an accurate and valid HSBC/other bank account number accordingly.

b. It is stipulated that Cash-on-EMI processed through NEFT cannot be reversed, once the request has been processed and the amount has been credited to the other bank account, by use of this facility. The Cardholder using NEFT facility accordingly confirms and agrees to this condition while opting for and choosing NEFT facility for availing of benefits under Cash-on-EMI.

c. If the NEFT request is rejected for any reason, HSBC will arrange to send the facility in the form of a cashier order in INR.

5. The proceeds of the Cash-on-EMI facility cannot however be used for the purpose of investment in equity shares, convertible bonds and debentures and units of equity oriented mutual funds.

6. The amount of cash advance disbursed will be at the sole discretion of HSBC. The minimum amount eligible for the Cash-on-EMI facility will be

`5,000.

7. The cashier order will be dispatched to the Cardholders mailing address on record. HSBC shall not be liable for any direct or consequential loss or damage suffered by the Cardholder on account of any delay in receipt of the cashier order by the Cardholder.

8. The Cash-on-EMI tenure applicable to your loan is as mentioned on the payment advise sent with the cashier order or the e-mail/SMS sent in case of NEFT transfer.

9. A processing fee of 2% to 3% (subject to minimum `200) will be applicable on the amount of each cash advance transaction availed of under the Cash-on-EMI facility. This will reflect along with the first EMI amount on the card statement. The annual rate of interest applicable to your loan is as mentioned on the payment advise sent with the cashier order.

10. Prepayment charges on foreclosure of the loan will apply at the rate of 3% on the outstanding principal amount of the loan, subject to a minimum of `250.

11. The credit limit on the card account will be reduced to the extent of the principal amount of the Cash-on-EMI availed and will be released as and when EMIs are billed and paid for in the subsequent months.

12. The first EMI will be reflected in card statement generated on the subsequent billing date. The subsequent EMI amount will be billed to the card account every month on the same date as the first EMI date.

13. Minimum amount due: The Cash-on-EMI due for the month is included as part of the minimum amount due appearing in the Cardholders monthly statement. The minimum amount due appearing on the Cardholders monthly statement is calculated as a percentage of the total outstanding retail balance plus any other EMI due plus monthly EMI due on Cash-on-EMI. Non-payment of the entire total payment due on the card by the payment due date will result in the levy of standard credit card interest rates on the balance outstanding. If only the minimum amount due (as defined above) is paid, the standard credit card interest rates will be levied on the balance outstanding.

However, if such partial payments do not cover the amount of EMI for the month, standard finance charges (including late payment fee) will also be levied.

Illustration:

• 12-month cash advance availed of under Cash-on-EMI facility =

`10,750

• Cash-on-EMI instalment for the month = `1,000

• Other outstanding balances = `2,000

• Total payment due for the month = `3,000

• Minimum payment due = (5% x `2,000) + `1,000 = `1,100 Scenario I:

• Amount paid = `1,200

• Amount outstanding = Total payment due – Amount paid= `1,800 Finance charges at the applicable rate will apply on `1,800 in the next billing cycle.

Scenario II:

• Amount paid = `3,000

• Amount rolled over = 0 No finance charges will apply.

14. Kindly note that according to the new payment hierarchy, the Cardholders payments will first be apportioned to fees and charges, outstanding on Balance Transfer, cash advances and purchase transactions in that order. Also note that the Cash-on-EMI instalments will be treated as purchase outstanding for the purpose of payment apportionment. EMI payable towards Cash-on-EMI will be set-off first before any payment is apportioned towards other outstanding. Please note, in case the amount paid does not clear the EMI amount (partly or fully), the remaining EMI amount will be added in the next month’s minimum amount due along with the standard interest charged on the said amount.

15. If the Cardholder defaults on payment of any of the EMIs, HSBC reserves the right to foreclose the Cash-on-EMI outstanding and debit the entire outstanding amount.

16. Payments made in excess of the card outstanding will not automatically be adjusted against unbilled EMIs and will hence, not result in

prepayment of the Cash-on-EMI facility. To pre-close the Cash-on-EMI facility, the Cardholders should contact HSBC PhoneBanking.

17. If the Cardholder closes his card before all applicable EMIs are posted to the card account, the outstanding Cash-on-EMI amount will be debited to the card account as one consolidated amount.

18. Requests for change in card franchisee (Visa/MasterCard^®) shall not be entertained during the tenure of the Cash-on-EMI facility.

19. No request for changes in the billing cycle shall be entertained during the tenure of the Cash-on-EMI facility.

20. HSBC reserves the absolute right to add, alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether, at anytime without any prior notice. HSBC may at its discretion discontinue the Cash-on-EMI facility at anytime during the pendency of the facility, foreclose the loan and debit the entire outstanding amount to the credit card.

21. Cardholders will not hold HSBC responsible for or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses that a Cardholder may suffer, sustain or incur by availing of the Cash-on-EMI facility.

22. All disputes arising from the Cash-on-EMI facility shall be subject to the exclusive jurisdiction of the courts of Mumbai.

23. The terms of this offer shall be in addition to and not in derogation of the other terms contained in the terms and conditions for card usage. This offer is by way of a special facility for select Cardholder’s and nothing contained herein shall prejudice or affect the terms and conditions of the for card usage. The words and expressions used herein shall have the same meaning as in the terms and conditions for card usage.

This offer is by way of a special facility for select credit Cardholder’s and nothing contained herein shall prejudice or affect these terms and conditions.

For details on the applicable interest rate and processing fee, please visit www.hsbc.co.in or contact our HSBC PhoneBanking officers.