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HSBC EGYPT MEMBER GET MEMBER CAMPAIGN TERMS& CONDITIONS(2014/2015)

"Member Get Member" Campaign Period: the campaign will be valid from 19 November 2014 till 31 December 2015 for HSBC Premier referrals and can be extended at HSBC's discretion

Customers can make referrals during the Campaign Period and there is no cap on the maximum number of successful referrals (i.e. if the customer makes ten successful referrals, he/she will be eligible for 10 cashbacks)

Cross-segment referrals are permitted (i.e. Premier customers can refer Advance customers and vice versa).

Referrals for new customers from existing Personal Banking Customers, are included in this campaign

Referrals for customer who are Premier Balance Based, Premier income Based, and Advance Balance Based, are included in this campaign.

The referred customer can be a new or existing customer to HSBC Egypt.

Referrals for Premier International customers who qualify based on Premier eligibility in another market are not included in this campaign

Referrals for customers who are Advance based on income and all Personal Banking customers, are not included in this campaign

The customer who makes a successful referral must be an existing HSBC account holder.

HSBC employees are not eligible for the Campaign.

A cashback of EGP 1000 will be given to every customer who makes a successful Premier referral resulting in a new customer opening a Premier account or an existing customer upgrading to Premier.

A cashback of EGP 500 will be given to every customer who makes a successful Advance referral resulting in a new customer opening an Advance account or an existing customer upgrading to Advance.

The eligibility for HSBC Premier is:

Minimum monthly average balance of EGP 500,000 in deposits and/or investments to qualify based on balance OR

Transfer a minimum gross monthly income of EGP 40,000 for the first 12 months

The eligibility for HSBC Advance is:

1. Minimum monthly average balance of EGP 150,000 in deposits and/or investments to qualify based on balance.

For a new Premier or Advance by balance account opened, the referrer's account will be credited within 4 months subject to the referred customer maintaining proposition balance for 3 consecutive months. For Premier Salaried referrals, the referrer's account will be credited within 3 months of account opening, subject to two consecutive income credits to the referred customer's account.

The bank can change these terms and conditions or cancel the Campaign at our discretion and without incurring liability as a result. We will not be liable (to the extent permitted by law and regulation) for any loss or damage arising out of organizing or holding this Campaign.

These terms and conditions and any disputes arising from these terms and conditions are governed by laws of the Arab Republic of Egypt.