Common use of Retail Purchases Clause in Contracts

Retail Purchases. Monthly effective interest rate: 3.5% based on actual number of days in a month Principal amount: PHP63,877 Month Retail Purchase Total Payment Interest Outstanding Principal Balance Total Outstanding Balance 1 63,877 0 2,279 63,877 66,155 2 - 4,500 1,986 61,655 63,642 3 - 2,800 2,170 60,842 63,012 4 - 7,600 1,913 55,412 57,325 5 - 2,500 1,956 54,825 56,781 6 - 3,700 1,832 53,081 54,913 Cash Advance Transaction Monthly effective interest rate: 3.75% based on actual number of days in a month Principal amount: PHP20,000 Month Cash Advance Availment Total Payment Interest Outstanding Principal Balance (inclusive of Cash Advance Fee) Total Outstanding Balance 1 20,000 0 735 20,600 21,335 2 - 853 678 20,481 21,160 3 - 2,500 666 18,660 19,326 4 - 773 640 18,552 19,193 5 - 768 657 18,425 19,082 6 - 763 632 18,319 18,952 HSBC Effective Interest Rates* HSBC’s Card Balance Transfer Program, HSBC’s Cash Installment Plan, and HSBC’s Card Balance Conversion Plan Tenor Effective Interest Rate Monthly 12 months 3.4588% 24 months 3.3917% 36 months 3.2715% * HSBC may occasionally offer special rates applicable to your credit card account. HSBC Credit Card Features Credit Card Classic Visa/ MasterCard Gold Mastercard Red Mastercard Gold Visa Cash Back Platinum Visa Advance Visa Premier Mastercard Rewards1 1 bonus point (BP) = Php10 spend 1 bonus point (BP) = Php20 spend 1 bonus point (BP) = Php20 spend N/A 1 bonus point (BP) = Php20 spend 1 bonus point (BP) = Php15 spend 1 bonus point (BP) = Php20 spend Accelerated Rewards2 N/A 3x BPs on local shopping and dining transactions 4x BPs on shopping, dining, online and overseas transactions N/A 4x BPs on overseas spend 3x BPs on local shopping and dining transactions 4x BPs on online spend 4x BPs on overseas spend 3x BPs on local shopping and dining transactions Cash Back N/A N/A N/A 5% cash back on dining transactions and 0.5% on other transactions3 N/A N/A N/A Travel Accident Insurance and Inconvenience Coverage N/A N/A N/A N/A Up to Php10mn coverage N/A Up to Php10mn coverage Caltex Rebate 6% Rebate on your first fuel transaction and 3% rebate for succeeding transactions at Caltex4 Balance Transfer Transfer balances from your non-HSBC Credit Card to your HSBC Credit Card and get big savings. Card Instalment Plan Enjoy 0% interest on installment up to 36 months at participating partner merchants. Cash Instalment Plan Get cash from your credit card and pay it off on installment at low interest rates Card Balance Conversion Plan Use your card for straight purchases and then convert them into affordable monthly installment after. Autocharge HSBC Autocharge is a facility that automatically charges bills to your HSBC Credit Card so you never forget to pay your bills. eStatement Get your HSBC Credit Card statements delivered to your email. Cash Advance You can use your credit card just like an ATM Card to withdraw money here or abroad. 1 HSBC’s Rewards Program Terms and Conditions Apply.

Retail Purchases. Monthly effective interest rate: 3.5% based on actual number of days in a month Principal amount: PHP63,877 Month Retail Purchase Total Payment Interest Outstanding Principal Balance Total Outstanding Balance 1 63,877 0 2,279 63,877 66,155 2 - 4,500 1,986 61,655 63,642 3 - 2,800 2,170 60,842 63,012 4 - 7,600 1,913 55,412 57,325 5 - 2,500 1,956 54,825 56,781 6 - 3,700 1,832 53,081 54,913 Cash Advance Transaction Monthly effective interest rate: 3.75% based on actual number of days in a month Principal amount: PHP20,000 Month Cash Advance Availment Total Payment Interest Outstanding Principal Balance (inclusive of Cash Advance Fee) Total Outstanding Balance 1 20,000 0 735 20,600 21,335 2 - 853 678 20,481 21,160 3 - 2,500 666 18,660 19,326 4 - 773 640 18,552 19,193 5 - 768 657 18,425 19,082 6 - 763 632 18,319 18,952 HSBC Effective Interest Rates* HSBC’s Card Balance Transfer Program, HSBC’s Cash Installment Plan, and HSBC’s Card Balance Conversion Plan Tenor Effective Interest Rate Monthly 12 months 3.4588% 24 months 3.3917% 36 months 3.2715% * HSBC may occasionally offer otfer special rates applicable to your credit card account. HSBC Credit Card Features Credit Card Classic Visa/ MasterCard Gold Mastercard Red Mastercard Gold Visa Cash Back Platinum Visa Advance Visa Premier Mastercard Rewards1 1 bonus point (BP) = Php10 spend 1 bonus point (BP) = Php20 spend 1 bonus point (BP) = Php20 spend N/A 1 bonus point (BP) = Php20 spend 1 bonus point (BP) = Php15 spend 1 bonus point (BP) = Php20 spend Accelerated Rewards2 N/A 3x BPs on local shopping and dining transactions 4x BPs on shopping, dining, online and overseas transactions N/A 4x BPs on overseas spend 3x BPs on local shopping and dining transactions 4x BPs on online spend 4x BPs on overseas spend 3x BPs on local shopping and dining transactions Cash Back N/A N/A N/A 5% cash back on dining transactions and 0.5% on other transactions3 N/A N/A N/A Travel Accident Insurance and Inconvenience Coverage N/A N/A N/A N/A Up to Php10mn coverage N/A Up to Php10mn coverage Caltex Rebate 6% Rebate on your first fuel transaction and 3% rebate for succeeding transactions at Caltex4 Balance Transfer Transfer balances from your non-HSBC Credit Card to your HSBC Credit Card and get big savings. Card Instalment Plan Enjoy 0% interest on installment up to 36 months at participating partner merchants. Cash Instalment Plan Get cash from your credit card and pay it off otf on installment at low interest rates Card Balance Conversion Plan Use your card for straight purchases and then convert them into affordable atfordable monthly installment after. Autocharge HSBC Autocharge is a facility that automatically charges bills to your HSBC Credit Card so you never forget to pay your bills. eStatement Get your HSBC Credit Card statements delivered to your email. Cash Advance You can use your credit card just like an ATM Card to withdraw money here or abroad. 1 HSBC’s Rewards Program Terms and Conditions Apply.