Common use of PAYMENTS FROM YOUR ACCOUNT Clause in Contracts

PAYMENTS FROM YOUR ACCOUNT. Cash withdrawals You can withdraw cash at our HSBC branches or by using an ATM. If you’re withdrawing cash in branch: If you’re withdrawing cash at an ATM: 3 Only AUD, USD or HKD can be withdrawn and you may be charged a fee. Our fees and charges are contained in Part B of this booklet. 3 A number of our branches offer withdrawals of USD and HKD and withdrawals in minimum multiples of 10 dollar notes in these currencies apply. To find out please call us on 0000 000 000 or use our branch locator at xxxx.xxx.xx/xxxxxxxxx 3 Please give the branch 24 hours’ notice for USD or HKD withdrawals, and we’ll do our best to make this available, however it’s subject to branch availability. 3 There’s a daily limit on the amount. Please refer to the daily limits table later in this clause. Payments (other than by card or cheque) To make a payment from your account you’ll need to give us details of the account you want to make the payment to and any other details we ask for, including payment references. This is usually the BSB number and account number (or the equivalent information for payments outside Australia) or (where available) a number that is linked to these, such as a mobile number or Australian Business Number (ABN). It’s your responsibility to check that the details are correct before asking us to make a payment. We’ll make the payment using only these details, but we’ll also ask you for the name of the person on the account. Other banks and retailers may set their own restrictions and limits on transactions and separate limits apply if you are making a transfer using our Global Transfers service. We’ll process your payments in the order we receive your instructions. Cut-off time This is the latest time on any given day that we can process instructions or add payments to an account. Cut-off times may vary depending on the currency of your payment, whether your payment is an internal transfer, to another local bank or overseas. You can ask us for the relevant cut-off time when you give us a payment instruction or by visiting our website. We can’t control how a payee bank processes a payment so can’t guarantee the exact date a payment will be received. Payments overseas take longer and can typically take up to 7 business days. Note: if we don’t receive a payment request before the cut-off time on a business day, we’ll treat your request as received on the next business day. If you’re making a foreign currency payment, the actual exchange rate we use when we process the payment may therefore be different due to exchange rate fluctuations. If you ask us to make a payment on a future date then: If you ask us to make regular payments on future dates then: We’ll make the payment on that date, unless it’s a non-business day, in which case we’ll make the payment on the next business day. We’ll make the payment on those dates, unless any of them are a non-business day, in which case the payments will resume on the next business day. If you want to make a regular payment (such as a periodical payment) you must set it up with us at least 3 business days in advance. If you’ve set this up to be a specific number of regular payments, we don’t monitor these so we can’t tell you when they’ve finished, so you should check your statement regularly. If you have set up a regular payment in a currency other than Australian dollars (AUD), we’ll apply the HSBC Daily Exchange Rate that applies at the time we process the payment. If you want to make a payment in a currency other than Australian dollars you can ask us to convert the amount to be paid into that currency and we’ll tell you the HSBC exchange rate that we’ll use. If you’re making this currency payment from online banking after our currency cut-off time, we won’t tell you the HSBC exchange rate that we will use, and your payment will be processed the next business day and the HSBC Daily Exchange Rate at the time of our processing will apply. We won’t change the rate if the payment goes ahead immediately. If the payment isn’t made immediately, we’ll apply the HSBC exchange rate that applies at the time we process the payment. If you make a payment to someone overseas, they’ll usually get it within 10 business days, but may take longer. Where you make the same payment more than once within any 3 minute blocks using our Global Transfers service, we will assume that you have made a mistake, and will only process the first payment request. You can also set up a periodical payment to make regular payments. If you have insufficient money in your account on 3 consecutive payment dates, we will cancel the periodical payment. You may also be charged a dishonour fee. You can also cancel a periodical payment through online banking or by visiting our branch at least 3 business days before the next payment date. We have no control over when the person you’re paying processes a transaction, and whether it’s in Australian dollars or a foreign currency. You should check this with them. If they process payment in a foreign currency then you may have to pay more, or less, depending upon the exchange rate at the time they process the transaction. Payments by cheque in Australian dollars To make a payment by cheque you need to write the name of the payee, the amount of the payment (in numbers and words) and the date that you are signing it. We will reject a cheque if it has not been completed correctly. Payments by card (including digital wallet) Visa Debit cards Using your Visa Debit card Use your card for: 3 cash withdrawals 3 purchases 3 balance enquiries 3 deposits and withdrawals at our branches or at Australia Post using Bank@Post. You can also use your card by tapping it at an EFTPOS terminal. You may have to enter your PIN if the purchase is above a certain amount. If you’re the only account holder, you can only have one card linked to your account (including any overdraft facility). Joint account holders can have up to two linked cards. You can access up to two HSBC transactional accounts linked with your card (or one if you have an Everyday Global Account.) You must not use your card to purchase anything illegal. Digital wallets You can add your card onto a digital wallet (such as Apple Pay or Google Pay™) and use it pay for goods and services. Once a card is added to a digital wallet, the cardholder can authorise transactions on the card account. This is done by using the digital wallet in place of the HSBC card. Some contactless payment terminals may require you to enter your card PIN and where the payment terminal does not recognise authorisation by means of biometric data or the mobile pass code. If a card is used through a digital wallet, the same terms apply as if the card was used as a card without the digital wallet. We do not provide services related to the digital wallet, these are done so by other providers (such as Apple and Google).

PAYMENTS FROM YOUR ACCOUNT. Cash withdrawals You can withdraw cash at our HSBC branches or by using an ATM. If you’re withdrawing cash in branch: If you’re withdrawing cash at an ATM: 3 Only AUD, USD or HKD can be withdrawn and you may be charged a fee. Our fees and charges are contained in Part B of this booklet. 3 A number of our branches offer withdrawals of USD and HKD and withdrawals in minimum multiples of 10 dollar notes in these currencies apply. To find out please call us on 0000 000 000 or use our branch locator at xxxx.xxx.xx/xxxxxxxxx xxx.xxxx.xxx.xx/ branch-finder/ 3 Please give the branch 24 hours’ notice for USD or HKD withdrawals, and we’ll do our best to make this available, however it’s subject to branch availability. 3 There’s a daily limit on the amount. Please refer to the daily limits table later in this clause. Payments (other than by card or cheque) To make a payment from your account you’ll need to give us details of the account you want to make the payment to and any other details we ask for, including payment references. This is usually the BSB number and account number (or the equivalent information for payments outside Australia) or (where available) a number that is linked to these, such as a mobile number or Australian Business Number (ABN). It’s your responsibility to check that the details are correct before asking us to make a payment. We’ll make the payment using only these details, but we’ll also ask you for the name of the person on the account. Other banks and retailers may set their own restrictions and limits on transactions and separate limits apply if you are making a transfer using our Global Transfers service. We’ll process your payments in the order we receive your instructions. Cut-off time This is the latest time on any given day that we can process instructions or add payments to an account. Cut-off times may vary depending on the currency of your payment, whether your payment is an internal transfer, to another local bank or overseas. You can ask us for the relevant cut-off time when you give us a payment instruction or by visiting our website. We can’t control how a payee bank processes a payment so can’t guarantee the exact date a payment will be received. Payments overseas take longer and can typically take up to 7 business working days. Note: if we don’t receive a payment request before the cut-off time on a business working day, we’ll treat your request as received on the next business working day. If you’re making a foreign currency payment, the actual exchange rate we use when we process the payment may therefore be different due to exchange rate fluctuations. If you ask us to make a payment on a future date then: If you ask us to make regular payments on future dates then: We’ll make the payment on that date, unless it’s a non-business working day, in which case we’ll make the payment on the next business working day. We’ll make the payment on those dates, unless any of them are a non-business working day, in which case the payments will resume on the next business working day. If you want to make a regular payment (such as a periodical payment) you must set it up with us at least 3 business working days in advance. If you’ve set this up to be a specific number of regular payments, we don’t monitor these so we can’t tell you when they’ve finished, so you should check your statement regularly. If you have set up a regular payment in a currency other than Australian dollars (AUD), we’ll apply the HSBC Daily Exchange Rate that applies at the time we process the payment. If you want to make a payment in a currency other than Australian dollars you can ask us to convert the amount to be paid into that currency and we’ll tell you the HSBC exchange rate that we’ll use. If you’re making this currency payment from online banking after our currency cut-off time, we won’t tell you the HSBC exchange rate that we will use, and your payment will be processed the next business day and the HSBC Daily Exchange Rate at the time of our processing will apply. We won’t change the rate if the payment goes ahead immediately. If the payment isn’t made immediately, we’ll apply the HSBC exchange rate that applies at the time we process the payment. If you make a payment to someone overseas, they’ll usually get it within 10 business working days, but may take longer. Where you make the same payment more than once within any 3 minute blocks using our Global Transfers service, we will assume that you have made a mistake, and will only process the first payment request. You can also set up a periodical payment to make regular payments. If you have insufficient money in your account on 3 consecutive payment dates, we will cancel the periodical payment. You may also be charged a dishonour fee. You can also cancel a periodical payment through online banking or by visiting our branch at least 3 business working days before the next payment date. We have no control over when the person you’re paying processes a transaction, and whether it’s in Australian dollars or a foreign currency. You should check this with them. If they process payment in a foreign currency then you may have to pay more, or less, depending upon the exchange rate at the time they process the transaction. Payments by cheque in Australian dollars To make a payment by cheque you need to write the name of the payee, the amount of the payment (in numbers and words) and the date that you are signing it. We will reject a cheque if it has not been completed correctly. Payments by card (including digital wallet) Visa Debit cards Using your Visa Debit card Use your card for: 3 cash withdrawals 3 purchases 3 balance enquiries 3 deposits and withdrawals at our branches or at Australia Post using Bank@Post. the Bank@Post service You can also use your card by tapping it at an EFTPOS terminal. You may have to enter your PIN if the purchase is above a certain amount. If you’re the only account holder, you can only have one card linked to your account (including any overdraft facility). Joint account holders can have up to two linked cards. You can access up to two HSBC transactional deposit accounts linked with your card (or one if you have an Everyday Global Account.) You must You’re not allowed to use your card to purchase anything illegalunlawful. Digital wallets You can add your card onto a an digital wallet (such as Apple Pay or Google Pay™) and use it pay for goods and services. Once a card is added to a an digital wallet, the cardholder can authorise transactions on the card account. This is done by using the digital wallet in place of the HSBC card. Some contactless payment terminals may require you to enter your card PIN code and where the payment terminal does not recognise authorisation by means of biometric data or the mobile pass code. If a card is used through a an digital wallet, the same terms apply as if the card was used as a card without the digital wallet. We do not provide services related to the digital wallet, these are done so by other providers (such as Apple and Google). Our obligation to you in relation to a digital wallet is limited to securely providing information to other providers (such as Apple or Google) in order to allow you to use your card through a digital wallet on a mobile device. You should always read the terms and privacy policy of a digital wallet provider, and make sure they are credible. Visa Debit cards Visa Debit card Limits The below daily limits apply to your card each day between 12am to 12am, Sydney, Australia time. Daily ATM Withdrawal Limit Daily Visa Transaction Limit HSBC Premier Visa Debit card $2,000 $10,000 All other Visa Debit cards $1,000 $10,000 Total maximum limit for cards (may be increased on request): • HSBC Premier Visa Debit card • Visa Debit card $5,000 $2,000 $20,000 $10,000 Cardholder under 18 years old $100 $500 Cardholder over 18 years old and the card is linked to an HSBC Premier Children’s Savings Account $1,000 $10,000 Merchants and other banks may set their own daily limits and restrictions on card use. If your account goes over your limit, you must pay your account back as soon as possible and you may be charged a fee. Other banks and merchants may apply their own restrictions and limits on transactions. We are not responsible for goods or services obtained by using a Visa Debit card (for credit cards – see the Credit Card Terms), unless we are responsible under the law. Cancelling your Visa Debit card You can cancel your card by giving us written notice and confirming that you have destroyed your card by cutting a card in half (across the magnetic strip and through the embedded chip). If the primary cardholder cancels its card, all secondary cards will also be cancelled. You can find more information on Visa Debit cards at xxx.xxxx.xxx.xx/xxxxx We will tell you if we cancel your card for any reason, and if appropriate, the reason. Visa Debit cards If you use your Visa Debit card: To make a purchase To make a payment by giving the person your card number and expiry date To withdraw cash We’ll place a hold on this money and it won’t be available for you to use (as this money is on hold and will be taken from your available balance), until the pending transaction is cleared for payment. That person is entitled to ask us to pay them from your account, we have to pay them and the left column will apply. We’ll take this money if it’s available in your account. International transactions, AUD transactions or cash withdrawals in foreign currency Everyday Global Accounts International transactions and withdrawals in foreign currency using the Visa Debit card will be made in the relevant foreign currency. Where a currency is not one of the listed currencies available on the Everyday Global Account or is a restricted currency (such as Chinese Renminbi (CNY), Indonesian Rupiah (IDR), Thai Baht (THB)), the money will be deducted from the AUD account and will be automatically converted into the local currency at the Visa exchange rate. If you use your Visa Debit card to make payments in a particular foreign currency and you don’t have enough money in your foreign currency sub-account, we’ll deduct the full amount of the transaction from your AUD account, applying the HSBC daily rate. See clause 21 of this booklet for the HSBC daily rate. If you don’t have enough money in your AUD account, we won’t authorise the payment. Visa Debit cards International transactions, AUD transactions or cash withdrawals in foreign currency Some merchants may request authorisation or settlement for a transaction in a currency which may be different to the purchase currency resulting in your account becoming overdrawn. If you have sufficient money in your Everyday Global Account, we may transfer money from an applicable sub- account to bring your account into positive balance. Paying in AUD at overseas merchants When using your card at overseas merchants , some merchants and ATM providers may offer to give you the choice of processing your transaction in AUD rather than local currency. This process is called Dynamic Currency Conversion (DCC). Paying for the transaction in AUD could be more expensive and the exchange rate may not be as competitive as the HSBC exchange rate. How to avoid DCC if you wish Choose to pay in the local currency when offered different currency options at ATM’s or payment terminals overseas. Some online merchants may also use DCC to process transactions. What to do if DCC is used without your permission Contact us on 0000 000 000 with the transaction details to lodge a dispute. All other accounts If you use your card for a transaction or cash withdrawal in a currency other than Australian Dollars, it will be converted into Australian Dollars on the day Visa processes it using the Visa exchange rate. Visa Debit cards International transactions, AUD transactions or cash withdrawals in foreign currency For more information, please see clause 21 of this booklet. We also apply charges to these transactions and also charge you if you use your card overseas (including purchases in Australia that are processed by the card provider or billed by the merchant overseas). You can find our fees and charges in Part B: Xxxx and Charges of this booklet. If you make international payments, for example from an online merchant showing the price in Australian dollars, your purchase will generally be converted into Australian dollars by Visa at the Visa exchange rate, and Visa currency conversion fees may apply. We may also charge an international transaction fee. Please: • check with the online merchants before you agree to buy online; and • don’t assume that because they show an Australian dollar price, they are located in Australia; and • use tools such as the Visa calculator to estimate the total cost of your online purchase: https:// xxx.xxxx.xxx.xx/xxxxxx-xxxx-xxxx/xxxxxxxx-xxxx- calculator.html What we can do with your card Your card is our property. We can do any of the following, if the regulations permit: • replace your card with another type of card we offer after reviewing your personal circumstances or your relationship with us changes; and • give you a new type of card; and • change the card scheme; and • keep hold of your card. We’ll tell you about the features of the card when we send you the replacement. We will also replace your card when it is due to expire. Payments by Phone Daily limits apply to transfers made through phone banking. These limits apply per account, and not per account holder if you have a joint account. Payment By Phone Daily Withdrawal Limit Transfers between HSBC Australia Accounts: • in your name only $500,000 • to other HSBC Australia accounts $3,000 (for all transfers you set up to be automatically paid on a future date) BPAY® $20,000 We sometimes use third parties to help us carry out a phone banking transfer on your behalf. For example, you may instruct us over phone banking to make a payment to a BPAY® account. These third parties may charge additional fees and charges on top of our fees and charges. The bank or financial institution you are making a transfer to may also charge fees and charges, such as intermediary bank charges when you send a telegraphic transfer. If you transfer money to a person outside Australia, they must pay any fee for receiving the money, unless you tell us in advance that you want to pay the fee, or you want the fee to be paid out of the transferred money. You can find the fees that apply to phone banking in Part B of this booklet. If you make multiple payments, the order in which we will process the payments is described in clause 18 of this booklet under the heading ‘Payments (other than by card or cheque)’. Payments by Direct Debit or Direct Credit When you establish a direct debit or direct credit agreement, we will arrange for the money to be: • debited from your transaction or savings account or any other account that allows for direct debits from that account, as authorised in your direct debit request; or • credited to your credit card account as authorised in your direct credit request. You will need to ensure that you have sufficient money to cover a payment, especially where you have authorised a variable amount.

PAYMENTS FROM YOUR ACCOUNT. Cash withdrawals You can withdraw cash at our HSBC branches or by using an ATM. If you’re withdrawing cash in branch: If you’re withdrawing cash at an ATM: 3 ✓ Only AUD, USD or HKD can be withdrawn and you may be charged a fee. Our fees and charges are contained in Part B of this booklet. 3 ✓ A number of our branches offer otfer withdrawals of USD and HKD and withdrawals in minimum multiples of 10 dollar notes in these currencies apply. To find out please call us on 0000 000 000 or use our branch locator at xxxx.xxx.xx/xxxxxxxxx 3 ✓ Please give the branch 24 hours’ notice for USD or HKD withdrawals, and we’ll do our best to make this available, however it’s subject to branch availability. 3 ✓ There’s a daily limit on the amount. Please refer to the daily limits table later in this clause. Payments (other than by card or cheque) To make a payment from your account you’ll need to give us details of the account you want to make the payment to and any other details we ask for, including payment references. This is usually the BSB number and account number (or the equivalent information for payments outside Australia) or (where available) a number that is linked to these, such as a mobile number or Australian Business Number (ABN). It’s your responsibility to check that the details are correct before asking us to make a payment. We’ll make the payment using only these details, but we’ll also ask you for the name of the person on the account. Other banks and retailers may set their own restrictions and limits on transactions and separate limits apply if you are making a transfer using our Global Transfers service. We’ll process your payments in the order we receive your instructions. Cut-off time This is the latest time on any given day that we can process instructions or add payments to an account. Cut-off otf times may vary depending on the currency of your payment, whether your payment is an internal transfer, to another local bank or overseas. You can ask us for the relevant cut-off otf time when you give us a payment instruction or by visiting our website. We can’t control how a payee bank processes a payment so can’t guarantee the exact date a payment will be received. Payments overseas take longer and can typically take up to 7 business days. Note: if we don’t receive a payment request before the cut-off otf time on a business day, we’ll treat your request as received on the next business day. If you’re making a foreign currency payment, the actual exchange rate we use when we process the payment may therefore be different ditferent due to exchange rate fluctuations. If you ask us to make a payment on a future date then: If you ask us to make regular payments on future dates then: We’ll make the payment on that date, unless it’s a non-business day, in which case we’ll make the payment on the next business day. We’ll make the payment on those dates, unless any of them are a non-business day, in which case the payments will resume on the next business day. If you want to make a regular payment (such as a periodical payment) you must set it up with us at least 3 business days in advance. If you’ve set this up to be a specific number of regular payments, we don’t monitor these so we can’t tell you when they’ve finished, so you should check your statement regularly. If you have set up a regular payment in a currency other than Australian dollars (AUD), we’ll apply the HSBC Daily Exchange Rate that applies at the time we process the payment. If you want to make a payment in a currency other than Australian dollars you can ask us to convert the amount to be paid into that currency and we’ll tell you the HSBC exchange rate that we’ll use. If you’re making this currency payment from online banking after our currency cut-off otf time, we won’t tell you the HSBC exchange rate that we will use, and your payment will be processed the next business day and the HSBC Daily Exchange Rate at the time of our processing will apply. We won’t change the rate if the payment goes ahead immediately. If the payment isn’t made immediately, we’ll apply the HSBC exchange rate that applies at the time we process the payment. If you make a payment to someone overseas, they’ll usually get it within 10 business days, but may take longer. Where you make the same payment more than once within any 3 minute blocks using our Global Transfers service, we will assume that you have made a mistake, and will only process the first payment request. You can also set up a periodical payment to make regular payments. If you have insufficient money in your account on 3 consecutive payment dates, we will cancel the periodical payment. You may also be charged a dishonour fee. You can also cancel a periodical payment through online banking or by visiting our branch at least 3 business days before the next payment date. We have no control over when the person you’re paying processes a transaction, and whether it’s in Australian dollars or a foreign currency. You should check this with them. If they process payment in a foreign currency then you may have to pay more, or less, depending upon the exchange rate at the time they process the transaction. Payments by cheque in Australian dollars To make a payment by cheque you need to write the name of the payee, the amount of the payment (in numbers and words) and the date that you are signing it. We will reject a cheque if it has not been completed correctly. Payments by card (including digital wallet) Visa Debit cards Using your Visa Debit card Use your card for: 3 ✓ cash withdrawals 3 ✓ purchases 3 ✓ balance enquiries 3 ✓ deposits and withdrawals at our branches or at Australia Post using Bank@Post. You can also use your card by tapping it at an EFTPOS terminal. You may have to enter your PIN if the purchase is above a certain amount. If you’re the only account holder, you can only have one card linked to your account (including any overdraft facility). Joint account holders can have up to two linked cards. You can access up to two HSBC transactional accounts linked with your card (or one if you have an Everyday Global Account.) You must not use your card to purchase anything illegal. Digital wallets You can add your card onto a digital wallet (such as Apple Pay or Google Pay™) and use it pay for goods and services. Once a card is added to a digital wallet, the cardholder can authorise transactions on the card account. This is done by using the digital wallet in place of the HSBC card. Some contactless payment terminals may require you to enter your card PIN and where the payment terminal does not recognise authorisation by means of biometric data or the mobile pass code. If a card is used through a digital wallet, the same terms apply as if the card was used as a card without the digital wallet. We do not provide services related to the digital wallet, these are done so by other providers (such as Apple and Google).

PAYMENTS FROM YOUR ACCOUNT. Cash withdrawals You can withdraw cash at our HSBC branches or by using an ATM. If you’re withdrawing cash in branch: If you’re withdrawing cash at an ATM: 3 ✓ Only AUD, USD or HKD can be withdrawn and you may be charged a fee. Our fees and charges are contained in Part B of this booklet. 3 ✓ A number of our branches offer otfer withdrawals of USD and HKD and withdrawals in minimum multiples of 10 dollar notes in these currencies apply. To find out please call us on 0000 000 000 or use our branch locator at xxxx.xxx.xx/xxxxxxxxx 3 ✓ Please give the branch 24 hours’ notice for USD or HKD withdrawals, and we’ll do our best to make this available, however it’s subject to branch availability. 3 ✓ There’s a daily limit on the amount. Please refer to the daily limits table later in this clause. Payments (other than by card or cheque) To make a payment from your account you’ll need to give us details of the account you want to make the payment to and any other details we ask for, including payment references. This is usually the BSB number and account number (or the equivalent information for payments outside Australia) or (where available) a number that is linked to these, such as a mobile number or Australian Business Number (ABN). It’s your responsibility to check that the details are correct before asking us to make a payment. We’ll make the payment using only these details, but we’ll also ask you for the name of the person on the account. Other banks and retailers may set their own restrictions and limits on transactions and separate limits apply if you are making a transfer using our Global Transfers service. We’ll process your payments in the order we receive your instructions. Cut-off time This is the latest time on any given day that we can process instructions or add payments to an account. Cut-off otf times may vary depending on the currency of your payment, whether your payment is an internal transfer, to another local bank or overseas. You can ask us for the relevant cut-off otf time when you give us a payment instruction or by visiting our website. We can’t control how a payee bank processes a payment so can’t guarantee the exact date a payment will be received. Payments overseas take longer and can typically take up to 7 business days10 Business Days or longer. Note: if we don’t receive a payment request before the cut-off otf time on a business dayBusiness Day, we’ll treat your request as received on the next business day. If you’re making a foreign currency payment, the actual exchange rate we use when we process the payment may therefore be different due to exchange rate fluctuationsBusiness Day. If you ask us to make a payment on a future date then: If you ask us to make regular payments on future dates then: We’ll make the payment on that date, unless it’s a non-business dayBusiness Day, in which case we’ll make the payment on the next business dayBusiness Day. We’ll make the payment on those dates, unless any of them are a non-business dayBusiness Day, in which case the payments will resume on the next business dayBusiness Day. If you want to make a regular payment (such as a periodical payment) you must set it up with us at least 3 business days Business Days in advance. If you’ve set this up to be a specific number of regular payments, we don’t monitor these so we can’t tell you when they’ve finished, so you should check your statement regularly. If you have set up a regular payment in a currency other than Australian dollars (AUD), we’ll apply the HSBC Daily Exchange Rate that applies at the time we process the payment. If you want to make a payment in a currency other than Australian dollars you can ask us to convert the amount to be paid into that currency and we’ll tell you the HSBC exchange rate that we’ll use. If you’re making this currency payment from online banking after our currency cut-off otf time, we won’t tell you the HSBC exchange rate that we will use, and your payment will be processed the next business day Business Day and the HSBC Daily Exchange Rate at the time of our processing will apply. We won’t change the rate if the payment goes ahead immediately. If the payment isn’t made immediately, we’ll apply the HSBC exchange rate that applies at the time we process the payment. If you make a payment to someone overseas, they’ll usually get it within 10 business daysBusiness Days, but may take longer. Currency cut-otf times do not apply to International Transfers made via mobile banking. For these payments, the HSBC Real Time Exchange Rate at the time we receive the payment request will be used. Where you make the same payment more than once within any 3 minute blocks using our Global Transfers service, we will assume that you have made a mistake, and will only process the first payment request. You can also set up a periodical payment to make regular payments. If you have insufficient money in your account on 3 consecutive payment dates, we will cancel the periodical payment. You may also be charged a dishonour fee. You can also cancel a periodical payment through online banking or by visiting our branch at least 3 business days Business Days before the next payment date. We have no control over when the person you’re paying processes a transaction, and whether it’s in Australian dollars or a foreign currency. You should check this with them. If they process payment in a foreign currency then you may have to pay more, or less, depending upon the exchange rate at the time they process the transaction. Payments by cheque in Australian dollars To make a payment by cheque you need to write the name of the payee, the amount of the payment (in numbers and words) and the date that you are signing it. We will reject a cheque if it has not been completed correctly. Payments by card (including digital wallet) Visa Debit cards Using your Visa Debit card Use your card for: 3 ✓ cash withdrawals 3 ✓ purchases 3 ✓ balance enquiries 3 ✓ deposits and withdrawals at our branches or at Australia Post using Bank@Post. You can also use your card by tapping it at an EFTPOS terminal. You may have to enter your PIN if the purchase is above a certain amount. If you’re the only account holder, you can only have one card linked to your account (including any overdraft facility). Joint account holders can have up to two linked cards. You can access up to two HSBC transactional accounts linked with your card (or one if you have an Everyday Global Account.) You must not use your card to purchase anything illegal. Digital wallets You can add your card onto a digital wallet (such as Apple Pay or Google Pay™) and use it pay for goods and services. Once a card is added to a digital wallet, the cardholder can authorise transactions on the card account. This is done by using the digital wallet in place of the HSBC card. Some contactless payment terminals may require you to enter your card PIN and where the payment terminal does not recognise authorisation by means of biometric data or the mobile pass code. If a card is used through a digital wallet, the same terms apply as if the card was used as a card without the digital wallet. We do not provide services related to the digital wallet, these are done so by other providers (such as Apple and Google).

PAYMENTS FROM YOUR ACCOUNT. Cash withdrawals You can withdraw cash at our HSBC branches or by using an ATM. If you’re withdrawing cash in branch: If you’re withdrawing cash at an ATM: 3 Only AUD, USD or HKD can be withdrawn and you may be charged a fee. Our fees and charges are contained in Part B of this booklet. 3 A number of our branches offer withdrawals of USD and HKD and withdrawals in minimum multiples of 10 dollar notes in these currencies apply. To find out please call us on 0000 000 000 or use our branch locator at xxxx.xxx.xx/xxxxxxxxx xxx.xxxx.xxx.xx/ branch-finder/ 3 Please give the branch 24 hours’ notice for USD or HKD withdrawals, and we’ll do our best to make this available, however it’s subject to branch availability. 3 There’s a daily limit on the amount. Please refer to the daily limits table later in this clause. Payments (other than by card or cheque) To make a payment from your account you’ll need to give us details of the account you want to make the payment to and any other details we ask for, including payment references. This is usually the BSB number and account number (or the equivalent information for payments outside Australia) or (where available) a number that is linked to these, such as a mobile number or Australian Business Number (ABN). It’s your responsibility to check that the details are correct before asking us to make a payment. We’ll make the payment using only these details, but we’ll also ask you for the name of the person on the account. Other banks and retailers may set their own restrictions and limits on transactions and separate limits apply if you are making a transfer using our Global Transfers service. We’ll process your payments in the order we receive your instructions. Cut-off time This is the latest time on any given day that we can process instructions or add payments to an account. Cut-off times may vary depending on the currency of your payment, whether your payment is an internal transfer, to another local bank or overseas. You can ask us for the relevant cut-off time when you give us a payment instruction or by visiting our website. We can’t control how a payee bank processes a payment so can’t guarantee the exact date a payment will be received. Payments overseas take longer and can typically take up to 7 business working days. Note: if we don’t receive a payment request before the cut-off time on a business working day, we’ll treat your request as received on the next business working day. If you’re making a foreign currency payment, the actual exchange rate we use when we process the payment may therefore be different due to exchange rate fluctuations. If you ask us to make a payment on a future date then: If you ask us to make regular payments on future dates then: We’ll make the payment on that date, unless it’s a non-business working day, in which case we’ll make the payment on the next business working day. We’ll make the payment on those dates, unless any of them are a non-business working day, in which case the payments will resume on the next business working day. If you want to make a regular payment (such as a periodical payment) you must set it up with us at least 3 business working days in advance. If you’ve set this up to be a specific number of regular payments, we don’t monitor these so we can’t tell you when they’ve finished, so you should check your statement regularly. If you have set up a regular payment in a currency other than Australian dollars (AUD), we’ll apply the HSBC Daily Exchange Rate that applies at the time we process the payment. If you want to make a payment in a currency other than Australian dollars you can ask us to convert the amount to be paid into that currency and we’ll tell you the HSBC exchange rate that we’ll use. If you’re making this currency payment from online banking after our currency cut-off time, we won’t tell you the HSBC exchange rate that we will use, and your payment will be processed the next business day and the HSBC Daily Exchange Rate at the time of our processing will apply. We won’t change the rate if the payment goes ahead immediately. If the payment isn’t made immediately, we’ll apply the HSBC exchange rate that applies at the time we process the payment. If you make a payment to someone overseas, they’ll usually get it within 10 business working days, but may take longer. Where you make the same payment more than once within any 3 minute blocks using our Global Transfers service, we will assume that you have made a mistake, and will only process the first payment request. You can also set up a periodical payment to make regular payments. If you have insufficient money in your account on 3 consecutive payment dates, we will cancel the periodical payment. You may also be charged a dishonour fee. You can also cancel a periodical payment through online banking or by visiting our branch at least 3 business working days before the next payment date. We have no control over when the person you’re paying processes a transaction, and whether it’s in Australian dollars or a foreign currency. You should check this with them. If they process payment in a foreign currency then you may have to pay more, or less, depending upon the exchange rate at the time they process the transaction. Payments by cheque in Australian dollars To make a payment by cheque you need to write the name of the payee, the amount of the payment (in numbers and words) and the date that you are signing it. We will reject a cheque if it has not been completed correctly. Payments by card (including digital wallet) Visa Debit cards Using your Visa Debit card Use your card for: 3 cash withdrawals 3 purchases 3 balance enquiries 3 deposits and withdrawals at our branches or at Australia Post using Bank@Post. the Bank@Post service You can also use your card by tapping it at an EFTPOS terminal. You may have to enter your PIN if the purchase is above a certain amount. If you’re the only account holder, you can only have one card linked to your account (including any overdraft facility). Joint account holders can have up to two linked cards. You can access up to two HSBC transactional deposit accounts linked with your card (or one if you have an Everyday Global Account.) You must You’re not allowed to use your card to purchase anything illegalunlawful. Digital wallets You can add your card onto a digital wallet (such as Apple Pay or Google Pay™) and use it pay for goods and services. Once a card is added to a digital wallet, the cardholder can authorise transactions on the card account. This is done by using the digital wallet in place of the HSBC card. Some contactless payment terminals may require you to enter your card PIN code and where the payment terminal does not recognise authorisation by means of biometric data or the mobile pass code. If a card is used through a digital wallet, the same terms apply as if the card was used as a card without the digital wallet. We do not provide services related to the digital wallet, these are done so by other providers (such as Apple and Google). Our obligation to you in relation to a digital wallet is limited to securely providing information to other providers (such as Apple or Google) in order to allow you to use your card through a digital wallet on a mobile device. You should always read the terms and privacy policy of a digital wallet provider, and make sure they are credible. Visa Debit cards Visa Debit card Limits The below daily limits apply to your card each day between 12am to 12am, Sydney, Australia time. Daily ATM Withdrawal Limit Daily Visa Transaction Limit HSBC Premier Visa Debit card linked to HSBC Premier Cash Management Account $2,000 $10,000 All other Visa Debit cards $1,000 $10,000 Total maximum limit for cards (may be increased on request): • HSBC Premier Visa Debit card linked to HSBC Premier Cash Management Account • All other Visa Debit cards $5,000 $20,000 $2,000 $10,000 Cardholder over 18 years old and the card is linked to an HSBC Premier Children’s Savings Account $1,000 $10,000 Merchants and other banks may set their own daily limits and restrictions on card use. If your account goes over your limit, you must pay your account back as soon as possible and you may be charged a fee. Other banks and merchants may apply their own restrictions and limits on transactions. We are not responsible for goods or services obtained by using a Visa Debit card (for credit cards – see the Credit Card Terms), unless we are responsible under the law. Cancelling your Visa Debit card You can cancel your card by giving us written notice and confirming that you have destroyed your card by cutting a card in half (across the magnetic strip and through the embedded chip). If the primary cardholder cancels its card, all secondary cards will also be cancelled. You can find more information on Visa Debit cards at xxx.xxxx.xxx.xx/xxxxx We will tell you if we cancel your card for any reason, and if appropriate, the reason. Visa Debit cards If you use your Visa Debit card: To make a purchase To make a payment by giving the person your card number and expiry date To withdraw cash We’ll place a hold on this money and it won’t be available for you to use (as this money is on hold and will be taken from your available balance), until the pending transaction is cleared for payment. That person is entitled to ask us to pay them from your account, we have to pay them and the left column will apply. We’ll take this money if it’s available in your account. International transactions, AUD transactions or cash withdrawals in foreign currency Everyday Global Accounts International transactions and withdrawals in foreign currency using the Visa Debit card will be made in the relevant foreign currency. Where a currency is not one of the listed currencies available on the Everyday Global Account or is a restricted currency (such as Chinese Renminbi (CNY), Indonesian Rupiah (IDR), Thai Baht (THB)), the money will be deducted from the AUD account and will be automatically converted into the local currency at the Visa exchange rate. If you use your Visa Debit card to make payments in a particular foreign currency and you don’t have enough money in your foreign currency sub-account, we’ll deduct the full amount of the transaction from your AUD account, applying the HSBC daily rate. See clause 21 of this booklet for the HSBC daily rate. If you don’t have enough money in your AUD account, we won’t authorise the payment. Visa Debit cards International transactions, AUD transactions or cash withdrawals in foreign currency Some merchants may request authorisation or settlement for a transaction in a currency which may be different to the purchase currency resulting in your account becoming overdrawn. If you have sufficient money in your Everyday Global Account, we may transfer money from an applicable sub- account to bring your account into positive balance. Paying in AUD at overseas merchants When using your card at overseas merchants , some merchants and ATM providers may offer to give you the choice of processing your transaction in AUD rather than local currency. This process is called Dynamic Currency Conversion (DCC). Paying for the transaction in AUD could be more expensive and the exchange rate may not be as competitive as the HSBC exchange rate. How to avoid DCC if you wish Choose to pay in the local currency when offered different currency options at ATM’s or payment terminals overseas. Some online merchants may also use DCC to process transactions. What to do if DCC is used without your permission Contact us on 0000 000 000 with the transaction details to lodge a dispute. All other accounts If you use your card for a transaction or cash withdrawal in a currency other than Australian Dollars, it will be converted into Australian Dollars on the day Visa processes it using the Visa exchange rate. Visa Debit cards International transactions, AUD transactions or cash withdrawals in foreign currency For more information, please see clause 21 of this booklet. We also apply charges to these transactions and also charge you if you use your card overseas (including purchases in Australia that are processed by the card provider or billed by the merchant overseas). You can find our fees and charges in Part B: Banking Services Fees and Charges of this booklet. If you make international payments, for example from an online merchant showing the price in Australian dollars, your purchase will generally be converted into Australian dollars by Visa at the Visa exchange rate, and Visa currency conversion fees may apply. We may also charge an international transaction fee. Please: • check with the online merchants before you agree to buy online; and • don’t assume that because they show an Australian dollar price, they are located in Australia; and • use tools such as the Visa calculator to estimate the total cost of your online purchase: https:// xxx.xxxx.xxx.xx/xxxxxx-xxxx-xxxx/xxxxxxxx-xxxx- calculator.html What we can do with your card Your card is our property. We can do any of the following, if the regulations permit: • replace your card with another type of card we offer after reviewing your personal circumstances or your relationship with us changes; and • give you a new type of card; and • change the card scheme; and • keep hold of your card. We’ll tell you about the features of the card when we send you the replacement. We will also replace your card when it is due to expire. Payments by Phone Daily limits apply to transfers made through phone banking. These limits apply per account, and not per account holder if you have a joint account. Payment by Phone Daily Withdrawal Limit Transfers between HSBC Australia Accounts: • in your name only • to other HSBC Australia accounts $500,000 $3,000 (for all transfers you set up to be automatically paid on a future date) BPAY® $20,000 We sometimes use third parties to help us carry out a phone banking transfer on your behalf. For example, you may instruct us over phone banking to make a payment to a BPAY® account. These third parties may charge additional fees and charges on top of our fees and charges. The bank or financial institution you are making a transfer to may also charge fees and charges, such as intermediary bank charges when you send a telegraphic transfer. If you transfer money to a person outside Australia, they must pay any fee for receiving the money, unless you tell us in advance that you want to pay the fee, or you want the fee to be paid out of the transferred money. You can find the fees that apply to phone banking in Part B of this booklet. If you make multiple payments, the order in which we will process the payments is described in clause 18 of this booklet under the heading ‘Payments (other than by card or cheque)’. Payments by Direct Debit or Direct Credit When you establish a direct debit or direct credit agreement, we will arrange for the money to be: • debited from your transaction or savings account or any other account that allows for direct debits from that account, as authorised in your direct debit request; or • credited to your credit card account as authorised in your direct credit request. You will need to ensure that you have sufficient money to cover a payment, especially where you have authorised a variable amount.