HSBC Premier World MasterCard® credit card Rewards Program Points4 never expire and are not capped. You earn one Point for every new, net dollar in credit card purchases and 25,000 Rewards Program Bonus Points after spending $2,500 in the first three months from Account opening4.

Choose Rewards that suit your lifestyle like adventure experiences and vacation packages. Fly almost anywhere, anytime with no blackout dates or seat restrictions. Or simply enjoy cash back or a variety of other Rewards options.

POINTS COMBINATION
Points from multiple HSBC Rewards Programs or other accounts
issued by HSBC Bank may not be combined or pooled for redemption.
When redeeming Points, you may use Points from only one HSBC
Rewards Program Account for redemption. Any person whose name is
included on the HSBC Rewards Program account may redeem Points.
HSBC Bank is not responsible and bears no liability for disagreements
between participants concerning use of Points accumulated in an
HSBC Rewards Program account.

POINTS TRANSFER TO OTHER PARTIES
Points may not be transferred to others for redemption. Points are
not the property of the participant in the Program. Points may not be
brokered, bartered or sold, and may not be transferred as part of a
domestic relations matter.

REWARDS FOR MILES TERMS AND CONDITIONS
View the latest redemption options by logging into your Personal
Internet Banking account at hsbcpremierusa.com or by calling the
HSBC Premier Rewards Department at 888.662.HSBC (4722).
1. Customers who wish to participate in HSBC Premier Rewards
for Miles (“Rewards for Miles”) must first become a member of
a participating airline frequent flyer/reward program, and obtain a
frequent flyer/reward program number for each airline to which they
would like to redeem Points for frequent flyer/reward program miles.
2. Only HSBC Premier World MasterCard® customers (‘Customers’)
are eligible to participate in Rewards for Miles.
3. Customers whose HSBC Premier World MasterCard® credit card
Accounts (‘Accounts’) are valid and in good standing will be eligible
to transfer Points to a participating airline’s frequent flyer/reward
program account.
4. Timing for the redeemed Points to be converted to miles and
posted to the Customer’s airline frequent flyer/reward program
account may vary by airline.
5. The conversion rate of Points for participating airline frequent flyer/
rewards may vary by airline frequent flyer/reward program.
6. Once Points are transferred to an airline frequent flyer/reward
program, they will be immediately deducted from your available
Points balance. Points cannot be transferred to another participating
airline’s program.
7. HSBC assumes no responsibility for Points transferred to any airline
reward program account, or for the actions of any participating
airline in connection with its reward program or otherwise.
8. Customers may transfer Points to any participating airline frequent
flyer/reward program account providing all information submitted
matches the airline frequent flyer/reward program account held
by the participating partner. Incomplete or inaccurate information
cannot be processed.
9. All questions or disputes regarding eligibility for redemptions within
the Program or the use of Rewards for Miles will be decided by
HSBC at its sole discretion.
10. Fraud and abuse in relation to the earning and transfer of Points to the
Program or Rewards for Miles may result in the forfeiture of accumulated
Points, as well as the cancellation of a Customer’s credit card(s).
11. The Customers are subject to, and must comply with, the rules of
the airline frequent flyer/reward program(s) of the participating
airline(s) frequent flyer/reward program in which they are enrolled. It
is the sole responsibility of the participating airline’s reward program
to provide the Customer a copy of the relevant program rules upon
his/her enrollment in their frequent flyer/reward program.
12. A participating airline frequent flyer/reward program may change
its program rules, including regulations, policies, benefits and
conditions of participation or mileage levels, in whole or in part at
any time with or without notice, even though changes may affect
the value of the free mileage already accumulated.
13. Airline reward program participation in Rewards for Miles is subject
to change upon notice.
14. HSBC Bank reserves the right to change the terms and conditions
herein and Rewards for Miles at any time upon notice.
15. There is currently no minimum or maximum number of Points that
can be transferred using Rewards for Miles.
16. By participating in Rewards for Miles, the Customer specifically
authorizes HSBC to share only the specific customer information
necessary to complete the mileage exchange.
17. In the event the participating airline frequent flyer/reward program is
unable to identify the Rewards for Miles request and cannot apply
the corresponding miles to the requested account, HSBC will use
its best efforts to identify and resolve the issue, which may include
contacting the Customer. This may delay the posting of miles to the
requested airline program account. If the issue cannot be resolved,
the Points deducted for the Rewards for Miles transaction will be
added back to the Customer’s Program account at HSBC.
18. Submission of a request to transfer Points to airline miles in
Rewards for Miles will constitute complete acknowledgement
and acceptance of the terms and conditions associated with
participation in Rewards for Miles. In addition, the Customer
specifically authorizes HSBC to share only the specific customer
information necessary to complete the mileage exchange.

4/25/2015 Issuance Adjusted 1,xxx

Receive 2X Rewards Program Points, up to 4,000 Rewards Program Bonus Points, on new, net retail purchases using your HSBC Credit Card from 07/01/15 through 09/30/15 ("Promotional Period"). 2X Rewards Program Points consists of one base Rewards Program Point and one Rewards Program Bonus Point. Purchases during the Promotional Period will be eligible for the offer upon enrollment. Your personal enrollment code must be correctly entered and submitted on the enrollment site to be considered fully enrolled. The enrollment period runs through 09/15/15 11:59 pm ET. Rewards Program Bonus Points will be fulfilled by 11/30/15. This offer does not apply to balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Credit Card must be open, and in good standing, at the time of offer fulfillment to qualify.