Common use of Card Benefits Clause in Contracts

Card Benefits. (a) We may offer different benefits for different types of Cards. We may introduce new benefits or vary or withdraw any benefits without prior notice. We have the right to set, exclude or withdraw any account which may be linked or used in connection with any Card benefit. (b) Card benefits may include the following (or any of them) depending on the type of your Card: (i) rewards and privileges (including the Rewards Programme); (ii) mobile or contactless payment transactions; (iii) interest-free instalment plans for purchasing goods or services from designated merchants; (iv) ATM access for cardholders to use their cards to effect banking transactions at designated ATMs; (v) internet banking or phone banking service for cardholders to operate their card accounts or use other services which we may offer online or through telephone; (vi) Any other benefits that we may notify you from time to time. (c) You may be required to make separate application to obtain some benefits. Use of Card at ATMs (d) If you want to operate any of your bank accounts with us with your Card using an ATM, you have to link that bank account to your Card. We may specify any conditions or limits relating to the use of ATM. These conditions or limits may include the following (or any of them) (i) the types or number of bank accounts that may be linked to a Card; (ii) the currency of any transactions; and (iii) limits (including per-day or per-transaction or other limits) for cash withdrawal, transfer or payment through ATM. (e) If you want to use your Card at an ATM outside Macau for cash withdrawals (including cash advance) and transfers, you are required to set your overseas ATM daily withdrawal and transfer limits and corresponding activation periods in advance. You have to set the limits and periods through one of the corresponding activation periods in advance. You have to set the limits and periods through one of the channels designated by us from time to time. (f) (Applicable if your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card) (i) You can use your Card at an ATM to access one Macau Patacas bank account only (“Linked Account”). (ii) If you withdraw cash at UnionPay ATMs in Macau, you may select to withdraw from the Linked Account as a cash withdrawal or from your Macau Patacas sub-account as a cash advance. (iii) If you withdraw at UnionPay ATMs (including HSBC ATMs) in Mainland China, we will treat the withdrawal as a cash advance from your Renminbi sub-account. (iv) If you withdraw at UnionPay ATMs outside Mainland China and Macau and have sufficient funds in the Linked Account to cover the entire amount of the cash withdrawal, we will treat the withdrawal as cash withdrawal from the Linked Account. (v) If you withdraw at UnionPay ATMs outside Mainland China and Macau an amount greater than the available balance in the Linked Account, we will treat the entire withdrawal amount as a cash advance from your Macau Patacas sub-account. Use of phone banking service (g) We may specify or vary the scope, features and terms of the phone banking service from time to time without prior notice. (h) You authorise us to act on any instructions given by telephone (“Telephone Instructions”) using your phone banking PIN. We have no duty to verify the identity of the person using your phone banking PIN to give Telephone Instructions. We are not liable for acting in good faith on a Telephone Instruction given using your phone banking PIN even if that Telephone Instruction was not authorised by you. (i) We have no obligation but may act on a Telephone Instruction where there are no sufficient funds or available credit facilities. We are not required to notify you before acting on that Telephone Instruction. You will be liable to repay and indemnify us for the resulting overdraft, advance or credit created by effecting that Telephone Instruction. If we decide not to act on that Telephone Instruction, we are not liable for any consequence of not acting. (j) Any exchange rate or interest rate quoted by us in response to a Telephone Instruction is for reference only, unless the rate is confirmed by us for a transaction. A rate confirmed by us and accepted by you for a transaction through the phone banking service will be binding on you, even if we may have quoted a different rate previously by any means. (k) You should notify any person with whom you effect a transaction or fund transfer using the phone banking service of the details of that transaction. We are not responsible for giving such notice. (l) We may not process Telephone Instructions immediately or on the same day we receive the Telephone Instructions. This may be due to system constraint, equipment malfunction or failure, or other reasons (whether or not beyond our control). We are not liable for any delay or failure in effecting a Telephone Instruction. Our decision on whether or not to effect or the timing of effecting a Telephone Instruction will be final and binding on you. Additional terms governing Card benefits (m) We may separately issue or vary additional terms and conditions relating to Card benefits from time to time. These may include the following (or any of them) depending on the type of your Card: (i) Rewards Programme Terms and Conditions; (ii) Terms and Conditions for the Credit Card Interest-free Instalment Plan; (iii) ATM Card Terms and Conditions; (iv) Terms and Conditions for HSBC Internet Banking; and (n) The terms and conditions relating to a Card benefit set out the eligibility criteria, conditions, limits, guidelines or directions applicable to that Card benefits. (o) The terms and conditions relating to Card benefits are available at our website or upon request at any of our branches in Macau. The terms and conditions will also be made available in the welcome pack (for new cards) or upon your application of the relevant Card benefits. (p) The terms and conditions relating to a Card benefit prevail over the provisions of this Agreement if there is any inconsistency between them concerning that Card benefit.

Card Benefits. (a) We may offer different otfer ditferent benefits for different ditferent types of Cards. We may introduce new benefits or vary or withdraw any benefits benefit without prior notice. We have the right to set, exclude or withdraw any account which may be linked or used in connection with any Card benefit. (b) Card benefits may include the following (or any of them) depending on the type of your Card: (i) mobile or contactless payment function; (ii) rewards and privileges (including the Rewards RewardCash Programme); (ii) mobile or contactless payment transactions; (iii) interest-free instalment plans for purchasing goods or services from designated merchants; (iv) ATM access for cardholders to use their cards to effect etfect banking transactions at designated ATMsATMs or point-of-sale terminals or by other designated electronic means; (v) internet banking or phone banking service for cardholders to operate their card accounts or use other services which we may offer otfer online or through telephone; (vi) Any Drop & Go Counter service for cardholders to submit applicable documents and items at “Drop & Go Counters” for our processing; and (vii) any other benefits that we may notify you from time to time. (c) You may be required to make separate application to obtain some benefits. Use of Card at ATMsATMs or for EPS payment (d) If you want to operate any of your bank accounts with us with your Card using an ATM, or if you want to make payment from that bank account through EPS, you have to link that bank account to your Card. We may specify any conditions or limits relating to the use of ATMATM or payments through EPS. These conditions or limits may include the following (or any of them) (i) the types or number of bank accounts that may be linked to a Card; (ii) the currency of any transactionstransaction; and (iii) limits (including per-day or per-transaction or other limits) for cash withdrawal, transfer or payment through ATMATM or EPS. (e) If you want to use your Card at an ATM outside Macau Hong Kong for cash withdrawals (including cash advance) and transfers, you are required to set your overseas ATM daily withdrawal and transfer limits and corresponding activation periods in advance. You have to set the limits and periods through one of the corresponding activation periods in advance. You have to set the limits and periods through one of the channels designated by us from time to time. (f) (Applicable if your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Cardor UnionPay Dual Currency credit card) (i) You can use your Card at an ATM to access one Macau Patacas Hong Kong dollar bank account only (“Linked Account”)) only. (ii) If you withdraw cash at UnionPay ATMs in MacauHong Kong, you may select to withdraw from the Linked Account as a cash withdrawal or from your Macau Patacas Hong Kong dollar sub-account as a cash advance. (iii) If you withdraw at UnionPay ATMs (including HSBC ATMs) in Mainland China, we will treat the withdrawal as a cash advance from your Renminbi sub-account. (iv) If you withdraw at UnionPay ATMs outside Mainland China and Macau Hong Kong and have sufficient funds in the Linked Account to cover the entire amount of the cash withdrawal, we will treat the withdrawal as cash withdrawal from the Linked Account. (v) If you withdraw at UnionPay ATMs outside Mainland China and Macau Hong Kong an amount greater than the available balance in the Linked Account, we will treat the entire withdrawal amount as a cash advance from your Macau Patacas Hong Kong dollar sub-account. Use of phone banking service (g) We may specify or vary the scope, features and terms of the phone banking service from time to time without prior notice. (h) You authorise us to act on any instructions given by telephone (“Telephone Instructions”) using your phone banking PIN. We have no duty to verify the identity of the person using your phone banking PIN to give Telephone Instructions. We are not liable for acting in good faith on a Telephone Instruction given using your phone banking PIN even if that Telephone Instruction was not authorised by you. (i) We have no obligation but may act on a Telephone Instruction where there are no sufficient funds or available credit facilities. We are not required to notify you before acting on that Telephone Instruction. You will be liable to repay and indemnify us for the resulting overdraft, advance or credit created by effecting etfecting that Telephone Instruction. If we decide not to act on that Telephone Instruction, we are not liable for any consequence of not acting. (j) Any exchange rate or interest rate quoted by us in response to a Telephone Instruction is for reference only, unless the rate is confirmed by us for a transaction. A rate confirmed by us and accepted by you for a transaction through the phone banking service will be binding on you, even if we may have quoted a different ditferent rate previously by any means. (k) You should notify any person with whom you effect etfect a transaction or fund transfer using the phone banking service of the details of that transaction. We are not responsible for giving such notice. (l) We may not process Telephone Instructions immediately or on the same day we receive the Telephone Instructions. This may be due to system constraint, equipment malfunction or failure, or other reasons (whether or not beyond our control). We are not liable for any delay or failure in effecting etfecting a Telephone Instruction. Our decision on whether or not to effect etfect or the timing of effecting etfecting a Telephone Instruction will be final and binding on you. Use of Drop & Go Counter service (m) We may specify or vary the scope, features and terms of the Drop & Go Counter service from time to time without prior notice. (n) You should ensure that all documents and items submitted under the Drop & Go Counter service are complete, accurate and duly signed as applicable. We have the right not to process any document or item if it is not complete, accurate or duly signed. (o) Where we allow deposit of banknotes, coins and cheques through the Drop & Go Counter service, the following provisions apply: (i) we are responsible only after we have received, counted and verified the banknotes, coins and cheques in accordance with our practice to our satisfaction; (ii) in the cases below, we will only credit to your Card Account or other account the banknotes, coins and cheques that we have received, counted and verified to our satisfaction, and our decision is final and binding on you: (1) if there is any discrepancy between the details specified in a pay-in slip and the banknotes, coins and cheques accompanying that pay-in slip that are actually received, counted and verified by us; or (2) if for any reason we do not accept any banknotes, coins and cheques deposited. Additional terms governing Card benefits (mp) We may separately issue or vary additional terms and conditions relating to Card benefits from time to time. These may include the following (or any of them) depending on the type of your Card: (i) Rewards HSBC Mobile Credit Card Addendum to Credit Card Cardholder Agreement; (ii) RewardCash Programme Terms and Conditions; (iiiii) Terms and Conditions for the Credit Card Interest-free Instalment PlanPlan applicable to Personal Credit Card Cardholders; (iiiiv) ATM Card Terms and Conditions; (iv) Terms and Conditions for HSBC Internet Banking; and (n) The terms and conditions relating to a Card benefit set out the eligibility criteria, conditions, limits, guidelines or directions applicable to that Card benefits. (o) The terms and conditions relating to Card benefits are available at our website or upon request at any of our branches in Macau. The terms and conditions will also be made available in the welcome pack (for new cards) or upon your application of the relevant Card benefits. (p) The terms and conditions relating to a Card benefit prevail over the provisions of this Agreement if there is any inconsistency between them concerning that Card benefit.

Card Benefits. (a) We may offer different benefits for different types of Cards. We may introduce new benefits or vary or withdraw any benefits benefit without prior notice. We have the right to set, exclude or withdraw any account which may be linked or used in connection with any Card benefit. (b) Card benefits may include the following (or any of them) depending on the type of your Card: (i) mobile or contactless payment function; (ii) rewards and privileges (including the Rewards RewardCash Programme); (ii) mobile or contactless payment transactions; (iii) interest-free instalment plans for purchasing goods or services from designated merchants; (iv) ATM access for cardholders to use their cards to effect banking transactions at designated ATMsATMs or point-of-sale terminals or by other designated electronic means; (v) internet banking or phone banking service for cardholders to operate their card accounts or use other services which we may offer online or through telephone; (vi) Any Drop & Go Counter service for cardholders to submit applicable documents and items at “Drop & Go Counters” for our processing; and (vii) any other benefits that we may notify you from time to time. (c) You may be required to make separate application to obtain some benefits. Use of Card at ATMsATMs or for EPS payment (d) If you want to operate any of your bank accounts with us with your Card using an ATM, or if you want to make payment from that bank account through EPS, you have to link that bank account to your Card. We may specify any conditions or limits relating to the use of ATMATM or payments through EPS. These conditions or limits may include the following (or any of them) (i) the types or number of bank accounts that may be linked to a Card; (ii) the currency of any transactionstransaction; and (iii) limits (including per-day or per-transaction or other limits) for cash withdrawal, transfer or payment through ATMATM or EPS. (e) If you want to use your Card at an ATM outside Macau Hong Kong for cash withdrawals (including cash advance) and transfers, you are required to set your overseas ATM daily withdrawal and transfer limits and corresponding activation periods in advance. You have to set the limits and periods through one of the corresponding activation periods in advance. You have to set the limits and periods through one of the channels designated by us from time to time. (f) (Applicable if your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Cardor UnionPay Dual Currency credit card) (i) You can use your Card at an ATM to access one Macau Patacas Hong Kong dollar bank account only (“Linked Account”)) only. (ii) If you withdraw cash at UnionPay ATMs in MacauHong Kong, you may select to withdraw from the Linked Account as a cash withdrawal or from your Macau Patacas Hong Kong dollar sub-account as a cash advance. (iii) If you withdraw at UnionPay ATMs (including HSBC ATMs) in Mainland China, we will treat the withdrawal as a cash advance from your Renminbi sub-account. (iv) If you withdraw at UnionPay ATMs outside Mainland China and Macau Hong Kong and have sufficient funds in the Linked Account to cover the entire amount of the cash withdrawal, we will treat the withdrawal as cash withdrawal from the Linked Account. (v) If you withdraw at UnionPay ATMs outside Mainland China and Macau Hong Kong an amount greater than the available balance in the Linked Account, we will treat the entire withdrawal amount as a cash advance from your Macau Patacas Hong Kong dollar sub-account. Use of phone banking service (g) We may specify or vary the scope, features and terms of the phone banking service from time to time without prior notice. (h) You authorise us to act on any instructions given by telephone (“Telephone Instructions”) using your phone banking PIN. We have no duty to verify the identity of the person using your phone banking PIN to give Telephone Instructions. We are not liable for acting in good faith on a Telephone Instruction given using your phone banking PIN even if that Telephone Instruction was not authorised by you. (i) We have no obligation but may act on a Telephone Instruction where there are no sufficient funds or available credit facilities. We are not required to notify you before acting on that Telephone Instruction. You will be liable to repay and indemnify us for the resulting overdraft, advance or credit created by effecting that Telephone Instruction. If we decide not to act on that Telephone Instruction, we are not liable for any consequence of not acting. (j) Any exchange rate or interest rate quoted by us in response to a Telephone Instruction is for reference only, unless the rate is confirmed by us for a transaction. A rate confirmed by us and accepted by you for a transaction through the phone banking service will be binding on you, even if we may have quoted a different rate previously by any means. (k) You should notify any person with whom you effect a transaction or fund transfer using the phone banking service of the details of that transaction. We are not responsible for giving such notice. (l) We may not process Telephone Instructions immediately or on the same day we receive the Telephone Instructions. This may be due to system constraint, equipment malfunction or failure, or other reasons (whether or not beyond our control). We are not liable for any delay or failure in effecting a Telephone Instruction. Our decision on whether or not to effect or the timing of effecting a Telephone Instruction will be final and binding on you. Use of Drop & Go Counter service (m) We may specify or vary the scope, features and terms of the Drop & Go Counter service from time to time without prior notice. (n) You should ensure that all documents and items submitted under the Drop & Go Counter service are complete, accurate and duly signed as applicable. We have the right not to process any document or item if it is not complete, accurate or duly signed. (o) Where we allow deposit of banknotes, coins and cheques through the Drop & Go Counter service, the following provisions apply: (i) we are responsible only after we have received, counted and verified the banknotes, coins and cheques in accordance with our practice to our satisfaction; (ii) in the cases below, we will only credit to your Card Account or other account the banknotes, coins and cheques that we have received, counted and verified to our satisfaction, and our decision is final and binding on you: (1) if there is any discrepancy between the details specified in a pay-in slip and the banknotes, coins and cheques accompanying that pay-in slip that are actually received, counted and verified by us; or (2) if for any reason we do not accept any banknotes, coins and cheques deposited. Additional terms governing Card benefits (mp) We may separately issue or vary additional terms and conditions relating to Card benefits from time to time. These may include the following (or any of them) depending on the type of your Card: (i) Rewards HSBC Mobile Credit Card Addendum to Credit Card Cardholder Agreement; (ii) RewardCash Programme Terms and Conditions; (iiiii) Terms and Conditions for the Credit Card Interest-free Instalment PlanPlan applicable to Personal Credit Card Cardholders; (iiiiv) ATM Card Terms and Conditions; (iv) Terms and Conditions for HSBC Internet Banking; and (n) The terms and conditions relating to a Card benefit set out the eligibility criteria, conditions, limits, guidelines or directions applicable to that Card benefits. (o) The terms and conditions relating to Card benefits are available at our website or upon request at any of our branches in Macau. The terms and conditions will also be made available in the welcome pack (for new cards) or upon your application of the relevant Card benefits. (p) The terms and conditions relating to a Card benefit prevail over the provisions of this Agreement if there is any inconsistency between them concerning that Card benefit.

Card Benefits. (a) We may offer different benefits for different types of Cards. We may introduce new benefits or vary or withdraw any benefits benefit without prior notice. We have the right to set, exclude or withdraw any account which may be linked or used in connection with any Card benefit. (b) Card benefits may include the following (or any of them) depending on the type of your Card: (i) rewards and privileges (including the Rewards Programme); (ii) mobile or contactless payment transactions; (iii) interest-free instalment plans for purchasing goods or services from designated merchants; (iviii) ATM access for cardholders to use their cards to effect banking transactions at designated ATMs; (viv) internet banking or phone banking service for cardholders to operate their card accounts or use other services which we may offer online or through telephone; (viv) Any any other benefits that we may notify you from time to time. (c) You may be required to make separate application to obtain some benefits. Use of Card at ATMs (d) If you want to operate any of your bank accounts with us with your Card using an ATM, you have to link that bank account to your Card. We may specify any conditions or limits relating to the use of ATM. These conditions or limits may include the following (or any of them) (i) the types or number of bank accounts that may be linked to a Card; (ii) the currency of any transactionstransaction; and (iii) limits (including per-day or per-transaction or other limits) for cash withdrawal, transfer or payment through ATM. (e) If you want to use your Card at an ATM outside Macau for cash withdrawals (including cash advance) and transfers, you are required to set your overseas ATM daily withdrawal and transfer limits and corresponding activation periods in advance. You have to set the limits and periods through one of the corresponding activation periods in advance. You have to set the limits and periods through one of the channels designated by us from time to time. (f) (Applicable if your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card) (i) You can use your Card at an ATM to access one Macau Patacas bank account only (“Linked Account”). (ii) If you withdraw cash at UnionPay ATMs in Macau, you may select to withdraw from the Linked Account as a cash withdrawal or from your Macau Patacas sub-account as a cash advance. (iii) If you withdraw at UnionPay ATMs (including HSBC ATMs) in Mainland China, we will treat the withdrawal as a cash advance from your Renminbi sub-account. (iv) If you withdraw at UnionPay ATMs outside Mainland China and Macau and have sufficient funds in the Linked Account to cover the entire amount of the cash withdrawal, we will treat the withdrawal as cash withdrawal from the Linked Account. (v) If you withdraw at UnionPay ATMs outside Mainland China and Macau an amount greater than the available balance in the Linked Account, we will treat the entire withdrawal amount as a cash advance from your Macau Patacas sub-account. Use of phone banking service (gf) We may specify or vary the scope, features and terms of the phone banking service from time to time without prior notice. (hg) You authorise us to act on any instructions given by telephone (“Telephone Instructions”) using your phone banking PIN. We have no duty to verify the identity of the person using your phone banking PIN to give Telephone Instructions. We are not liable for acting in good faith on a Telephone Instruction given using your phone banking PIN even if that Telephone Instruction was not authorised by you. (ih) We have no obligation but may act on a Telephone Instruction where there are no sufficient funds or available credit facilities. We are not required to notify you before acting on that Telephone Instruction. You will be liable to repay and indemnify us for the resulting overdraft, advance or credit created by effecting that Telephone Instruction. If we decide not to act on that Telephone Instruction, we are not liable for any consequence of not acting. (ji) Any exchange rate or interest rate quoted by us in response to a Telephone Instruction is for reference only, unless the rate is confirmed by us for a transaction. A rate confirmed by us and accepted by you for a transaction through the phone banking service will be binding on you, even if we may have quoted a different rate previously by any means. (kj) You should notify any person with whom you effect a transaction or fund transfer using the phone banking service of the details of that transaction. We are not responsible for giving such notice. (lk) We may not process Telephone Instructions immediately or on the same day we receive the Telephone Instructions. This may be due to system constraint, equipment malfunction or failure, or other reasons (whether or not beyond our control). We are not liable for any delay or failure in effecting a Telephone Instruction. Our decision on whether or not to effect or the timing of effecting a Telephone Instruction will be final and binding on you. Additional terms governing Card benefits (ml) We may separately issue or vary additional terms and conditions relating to Card benefits from time to time. These may include the following (or any of them) depending on the type of your Card: (i) Rewards Programme Terms and Conditions; (ii) Terms and Conditions for the Credit Card Interest-free Instalment Plan; (iii) ATM Card Terms and Conditions; (iv) Terms and Conditions for HSBC Internet Banking; and (nm) The terms and conditions relating to a Card benefit set out the eligibility criteria, conditions, limits, guidelines or directions applicable to that Card benefitsbenefit. (on) The terms and conditions relating to Card benefits are available at our website or upon request at any of our branches in Macau. The terms and conditions will also be made available in the welcome pack (for new cards) or upon your application of the relevant Card benefitsbenefit. (po) The terms and conditions relating to a Card benefit prevail over the provisions of this Agreement if there is any inconsistency between them concerning that Card benefit.

Card Benefits. (a) We may offer different benefits for different types of Cardscredit cards issued by us. We may introduce new benefits or vary or withdraw any benefits benefit without prior notice. We have the right to set, exclude or withdraw any account which may be linked or used in connection with any Card benefit. (b) Card benefits may include the following (or any of them) depending on the type of your Card:): (i) mobile or contactless payment function; (ii) rewards and privileges (including the Rewards RewardCash Programme); (ii) mobile or contactless payment transactions; (iii) interest-free instalment plans for purchasing goods or services from designated merchants; (iv) ATM access for cardholders to use their cards to effect banking transactions at designated ATMsATMs or point-of-sale terminals or by other designated electronic means; (v) internet banking or phone banking service for cardholders to operate their card accounts or use other services which we may offer online or through telephone; (vi) Any Drop & Go Counter service for cardholders to submit applicable documents and items at “Drop & Go Counters” for our processing; and (vii) any other benefits that we may notify you from time to time. (c) You may be required to make separate application to obtain some benefits. Use of Card at ATMsATMs or for EPS payment (d) If you want to operate any of your bank accounts with us with your Card using an ATM, or if you want to make payment from that bank account through EPS, you have to link that bank account to your Card. We may specify any conditions or limits relating to the use of ATMATM or payments through EPS. These conditions or limits may include the following (or any of them)): (i) the types or number of bank accounts that may be linked to a Card; (ii) the currency of any transactionstransaction; and (iii) limits (including per-day or per-transaction or other limits) for cash withdrawal, transfer or payment through ATMATM or EPS. (e) If you want to use your Card at an ATM outside Macau Hong Kong for cash withdrawals (including cash advance) and transfers, you are required to set your overseas ATM daily withdrawal and transfer limits and corresponding activation periods in advance. You have to set the limits and periods through one of the corresponding activation periods in advance. You have to set the limits and periods through one of the channels designated by us from time to time. (f) (Applicable if your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card) (i) You can use your Card at an ATM to access one Macau Patacas bank account only (“Linked Account”). (ii) If you withdraw cash at UnionPay ATMs in Macau, you may select to withdraw from the Linked Account as a cash withdrawal or from your Macau Patacas sub-account as a cash advance. (iii) If you withdraw at UnionPay ATMs (including HSBC ATMs) in Mainland China, we will treat the withdrawal as a cash advance from your Renminbi sub-account. (iv) If you withdraw at UnionPay ATMs outside Mainland China and Macau and have sufficient funds in the Linked Account to cover the entire amount of the cash withdrawal, we will treat the withdrawal as cash withdrawal from the Linked Account. (v) If you withdraw at UnionPay ATMs outside Mainland China and Macau an amount greater than the available balance in the Linked Account, we will treat the entire withdrawal amount as a cash advance from your Macau Patacas sub-account. Use of phone banking service (gf) We may specify or vary the scope, features and terms of the phone banking service from time to time without prior notice. (hg) You authorise us to act on any instructions given by telephone (“Telephone Instructions”) using your phone banking PIN. We have no duty to verify the identity of the person using your phone banking PIN to give Telephone Instructions. We are not liable for acting in good faith on a Telephone Instruction given using your phone banking PIN even if that Telephone Instruction was not authorised by you. (ih) We have no obligation but may act on a Telephone Instruction where there are no sufficient funds or available credit facilities. We are not required to notify you before acting on that Telephone Instruction. You will be liable to repay and indemnify us for the resulting overdraft, advance or credit created by effecting that Telephone Instruction. If we decide not to act on that Telephone Instruction, we are not liable for any consequence of not acting. (ji) Any exchange rate or interest rate quoted by us in response to a Telephone Instruction is for reference only, unless the rate is confirmed by us for a transaction. A rate confirmed by us and accepted by you for a transaction through the phone banking service will be binding on you, even if we may have quoted a different rate previously by any means. (kj) You should notify any person with whom you effect a transaction or fund transfer using the phone banking service of the details of that transaction. We are not responsible for giving such notice. (lk) We may not process Telephone Instructions immediately or on the same day we receive the Telephone Instructions. This may be due to system constraint, equipment malfunction or failure, or other reasons (whether or not beyond our control). We are not liable for any delay or failure in effecting a Telephone Instruction. Our decision on whether or not to effect or the timing of effecting a Telephone Instruction will be final and binding on you. Use of Drop & Go Counter service (l) We may specify or vary the scope, features and terms of the Drop & Go Counter service from time to time without prior notice. (m) You should ensure that all documents and items submitted under the Drop & Go Counter service are complete, accurate and duly signed as applicable. We have the right not to process any document or item if it is not complete, accurate or duly signed. (n) Where we allow deposit of banknotes, coins and cheques through the Drop & Go Counter service, the following provisions apply: (i) we are responsible only after we have received, counted and verified the banknotes, coins and cheques in accordance with our practice to our satisfaction; (ii) in the cases below, we will only credit to your Card Account or other account the banknotes, coins and cheques that we have received, counted and verified to our satisfaction, and our decision is final and binding on you: (1) if there is any discrepancy between the details specified in a pay-in slip and the banknotes, coins and cheques accompanying that pay-in slip that are actually received, counted and verified by us; or (2) if for any reason we do not accept any banknotes, coins and cheques deposited. Additional terms governing Card benefits (mo) We may separately issue or vary additional terms and conditions relating to Card benefits from time to time. These may include the following (or any of them) depending on the type of your Card:): (i) Rewards HSBC Mobile Credit Card Addendum to Credit Card Cardholder Agreement; (ii) RewardCash Programme Terms and Conditions; (iiiii) Terms and Conditions for the Credit Card Interest-Interest- free Instalment PlanPlan applicable to Personal Credit Card Cardholders; (iiiiv) ATM Card Terms and Conditions; (iv) Terms and Conditions for HSBC Internet Banking; and (n) The terms and conditions relating to a Card benefit set out the eligibility criteria, conditions, limits, guidelines or directions applicable to that Card benefits. (o) The terms and conditions relating to Card benefits are available at our website or upon request at any of our branches in Macau. The terms and conditions will also be made available in the welcome pack (for new cards) or upon your application of the relevant Card benefits. (p) The terms and conditions relating to a Card benefit prevail over the provisions of this Agreement if there is any inconsistency between them concerning that Card benefit.