HSBC Premier MasterCard® credit card Service Guide

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1.8 Where the Customer has signed up for or has been provided with the Account-level Phonebanking Service offered by the Bank prior to 14 December 2008 and continues to utilise the same without converting to the Customer-level Phonebanking Service offered by the Bank on or after 14 December 2008, all references to and in connection with Credit Card(s) in this Section XII shall for all purposes be excluded and this Section XII and other terms in these Integrated Account Terms and Conditions applicable to the Phonebanking Service shall be construed accordingly when being applied to such Customer. Appendix I Definitions “Account” means each of the Savings Account, Current Account, Time Deposits Account, Investment Services Account, Securities Account, Wayfoong Statement Gold Account and any other accounts opened or to be opened by the Customer under the Master Account and provided for in the above Terms and Conditions. “ATM Card” means any card in relation to the Master Account and/or a Tier issued to the Customer by the Bank which may be used to effect banking transactions by electronic means, whether at automated teller machines, point of sale terminals or such other mediums as shall be made available by or are acceptable to the Bank from time to time. “Bank” means The Hongkong and Shanghai Banking Corporation Limited, including its successors and assigns, of 1 Queen’s Road Central, Hong Kong, a registered institution under the Securities and Futures Ordinance. The Bank is registered with the Securities and Futures Commission, Hong Kong with central entity number AAA523. “Credit Account” means any account (for the purpose of this definition, including but not limited to the Account) maintained with the Bank to which funds are credited using the Phonebanking Service. “Credit Card” means a credit card issued by the Bank in connection with the Master Account and/or a Tier which is not otherwise generally available to other customers of the Bank who do not maintain a current Master Account and/or are awarded with the Tier concerned. “Customer” means the person who is the holder of a Master Account. Where there is more than one such person, references to the “Customer” shall be construed, as the context requires, to any, all or each of them. “Debit Account” means, subject to the related Debit Accountholder(s) having agreed to the terms of Section XII Clause 1, any account (for the purpose of this definition, including but not limited to the Account) maintained with the Bank from which funds are debited using the Phonebanking Service. “Debit Accountholder” means each accountholder of a Debit Account, including for the avoidance of doubt the Customer. “Instruction(s)” means each and any Instruction given by any means or mediums as may be acceptable to the Bank from time to time and may include by fax, by telex, by telephone, via the automated teller machines, via point of sale terminals, by or via any other electronic means or mediums and/or by any other means or mediums as may be acceptable to the Bank from time to time. “Phonebanking PIN” means the PIN designated specifically for or otherwise accepted by the Bank for use with Phonebanking Service. “Phonebanking Service” means the services provided by the Bank to the Customer referred to in Section XII through which a Customer can utilise to access and/or operate a Customer’s account(s) (including but not limited to the Master Account) and card(s) (including but not limited to the Credit Card or ATM Card) and to enjoy such banking and other services as shall be offered thereunder from time to time. “PIN” means the personal identification number or code that applies or is used for the purpose of identification of the Customer in giving instructions to the Bank by telephone or for use with an ATM Card or a Credit Card. A PIN may be designated by the Bank or the Customer or generated by a security device designated or approved by the Bank as shall be applicable. “Services” means any one or more of the services made available to the Customer under the Master Account and/or a Tier at any time and from time to time including without limitation credit facilities, Investment Services and Account services. “Tier” means a tier designated by the Bank and allocated to a Customer which allows the Customer to enjoy certain Features under and/or in connection with the Master Account. “Telephone Instructions” means instructions given by the Customer by telephone.
The Hongkong and Shanghai Banking Corporation Limited ATM card Terms and Conditions In these Terms and Conditions to which the use of ATM card’s will be subject, ‘ATM card‘ shall mean any card issued to the Cardholder by the Bank which may be used to effect banking transactions by electronic means whether at auto mated teller machines (‘ATMs‘), point of sale terminals or otherwise. ‘Cardholder’s account‘ shall mean any account nominated by the Cardholder in respect of the ATM card. 1. The ATM card is and will be at all times, the property of the Bank. The Bank reserves the right to withdraw, at its discretion, the ATM card and/or any of the services thereby offered at any time without prior notice. 2. Subject to the provisions of paragraph 5, the Cardholder will be responsible for all transactions effected by use of the ATM card, whether authorised by the Cardholder or not. 3. The Cardholder’s account will be debited with the amount of any withdrawal, transfer and/or other transaction effected by use of the ATM card. The Cardholder will maintain sufficient funds in the Cardholder’s account to meet any such transactions. 4. The Personal Identification Number issued to the Cardholder for use with the ATM card services and any number(s) substituted by the Cardholder for that purpose (‘PINs‘) are strictly confidential. PINs should not be disclosed to any third party under any circumstances or by any means whether voluntarily or otherwise. The Cardholder should not keep any written record of any PIN in any place or manner which may enable a third party to use the ATM card. 5. The loss or theft of the ATM card should be reported to the Bank immediately and confirmed in writing as soon as possible. The Cardholder will be responsible for all transactions effected by use of the ATM card until such notification. The Bank will debit the Cardholder’s account with any cost incurred in issuing a replacement ATM card. 6. Cash and/or cheques deposited with any ATM by use of the ATM card will only be credited to the Cardholder’s account after verification by the Bank. The statement issued by the ATM at the time of deposit only represents what the Cardholder purports to have deposited and will not be binding on the Bank. Cheques will be accepted for collection only and the proceeds will not be available until they have been cleared. 7. The Bank will not be liable for any failure to provide any service or to perform any obligation hereunder where such failure is attributable (whether directly or indirectly) to any dispute or other circumstance beyond its control. The Bank will not be liable for any consequential or indirect damages arising from or related to the use of the ATM card. 8. The Cardholder’s account will be debited with such charges as the Bank may from time to time consider reasonable in respect of the ATM card provided that prior notice of such charges is given to the Cardholder. 9. Networks: The Bank reserves the right to disclose, in strict confidence, to other institutions (whether within or outside Hong Kong), such information concerning the Cardholder’s account as may be necessary or appropriate in connection with its participation in any electronic fund transfer network. 10. The Bank reserves the right to add to, delete and/or to vary any of these Terms and Conditions upon notice to the Cardholder. Use of the ATM card after the date upon which any change to these Terms and Conditions is to have effect (as specified in the Bank’s notice) will constitute acceptance without reservation by the Cardholder of such change. If the Cardholder does not accept any proposed change, the ATM card must be returned to the Bank prior to the date upon which such change is to have effect. 11. Any notice hereunder sent by post will be deemed to have been received by the Cardholder within 7 days of posting to the address last notified in writing to the Bank by the Cardholder. Publication of change by such means as the Bank may consider appropriate will constitute effective notice to the Cardholder thereof. 12. If more than one person signs or agrees to be bound by these Terms and Conditions, the obligation and liabilities of such persons hereunder will be joint and several and, as the context may require, words herein denoting the singular only will be deemed to include the plural. Any notice hereunder to any one such person will be deemed effective notification to all such persons. 13. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. NOTE: In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.
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HSBC Premier MasterCard® credit card Service Guide

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