HSBC Home Loan Terms

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Dated 24 September 2021HSBCHome LoanTerms

HSBC Home Loan TermsContentsPART A: OUR CREDIT GUIDE AND GENERAL INFORMATION6Our credit guide6Home Loan Terms and Offset Savings AccountProduct Disclosure Statement9Other important information9PART B: HOME LOAN TERMS10Your Home Loan – who is this agreement betweenand what makes up this agreement?101. WHO’S THIS AGREEMENT BETWEEN?112. WHAT FORMS THE AGREEMENT BETWEEN US12What are our rights and how can we use them?133. WHAT ARE OUR RIGHTS?134. HOW CAN WE USE OUR RIGHTS?13How can we change this agreement?145. WHAT CHANGES CAN WE MAKE?146. HOW WE’LL TELL YOU ABOUT CHANGES14What needs to happen before we allow you to draw on the loan?177. BEFORE YOU CAN DRAW ON THE LOAN178. WHEN WE MAY NOT GIVE YOU THE LOAN18

HSBC Home Loan TermsWhat will you have to pay us, when and how?199. WHAT DO YOU HAVE TO PAY US?1910. YOUR PERIODIC PAYMENT AMOUNTS2111. WHEN AND HOW DO YOU MAKE YOUR PERIODIC PAYMENTS?2212. WHEN WE CAN CHANGE YOUR PERIODIC PAYMENTS2313. REDRAW2414. WHAT HAPPENS IF YOU MISS A PERIODIC PAYMENT?25What do we charge interest on and how do we work out interest?2515. WHAT DO WE CALCULATE INTEREST ON?2516. HOW DO WE WORK OUT INTEREST?2517. CAPITALISING INTEREST2618. WHEN DO WE CHARGE INTEREST?2719. CONVERTING TO A FIXED RATE2720. CHANGES IN REPAYMENTS OR LOAN TERM FOLLOWING CHANGESIN INTEREST RATE2821. DEFAULT INTEREST2822. WHERE CAN YOU FIND INFORMATION ON INTEREST RATES?29Fees and charges2923. WHAT ARE OUR “FEES” AND “CHARGES”?2924. WHAT ELSE COULD YOU HAVE TO PAY EXTRA FOR?3025. VALUATION3126. INSURANCE3127. WHEN AND HOW MUST YOU PAY OUR FEES AND CHARGES?32

HSBC Home Loan TermsRepaying your loan before the end of the home loan term3328. PAYING OFF WHAT YOU OWE EARLY33When you don’t follow this agreement3329. WHAT HAPPENS WHEN YOU ARE IN DEFAULT UNDER THIS AGREEMENT?33What you tell us by entering into this agreement3630. WHAT YOU TELL US BY ENTERING INTO THIS AGREEMENT36Contacting you3831. HOW CAN WE CONTACT EACH OTHER?38Other terms39Jurisdiction40PART C: FEES AND CHARGES40APPENDIX 142Additional terms for home loan accounts421. CHANGING TO AN INVESTMENT PROPERTY RATE422. ADVANCE INTEREST PAYMENTS423. FOREIGN CURRENCY HOME LOANS434. SECOND OR SUBSEQUENT MORTGAGES445. HOW FIXED AND MARKET LINKED RATES WORK446. SPLIT LOANS457. CONSTRUCTION LOANS458. HOME LOAN PACKAGE479. HOME EQUITY LOAN REPAYMENTS4810. PACKAGES WE NO LONGER OFFER48

HSBC Home Loan TermsAPPENDIX 249Transaction terms491. DEPOSITS AND WITHDRAWALS492. MANAGING YOUR ACCOUNT493. GRANTING SECURITY OVER YOUR ACCOUNT494. HOW DEPOSITS AND WITHDRAWALS CAN BE MADE505. FEES AND CHARGES52APPENDIX 353Offset Savings Account53Summary of key risks541. WHAT IS IT?552. KEY FEATURES553. DEPOSITS AND WITHDRAWALS554. HOW DEPOSITS AND WITHDRAWALS CAN BE MADE565. MANAGING YOUR ACCOUNT576. GRANTING SECURITY OVER YOUR ACCOUNT577. LINKING TO YOUR STANDARD VARIABLE RATE LOAN ACCOUNT588. CREDIT INTEREST589. OFFSET AMOUNT5910. FEES AND CHARGES59

HSBC Home Loan TermsPART A: OUR CREDIT GUIDE AND GENERAL INFORMATIONOUR CREDIT GUIDE – HSBC Bank Australia LimitedWhat’s this document and what does it apply to?This credit guide belongs to HSBC Bank Australia Limited ABN 48 006 434 162(“we”, “our” or “us”) Australian Credit Licence 232595, and provides importantinformation that applies to all our home loan products where you’re an individual orjoint borrower. It doesn’t apply to company borrowers.If you have questions about this credit guide or our home loan products, you cancontact us:GPO Box 5302 Sydney NSW 20011300 301 168 for Premier customer or 1300 308 008 for all other customerswww.hsbc.com.auWhat if the credit is unsuitable?Then by law we’re not allowed to enter into a credit contract, or increase yourexisting credit limit, if the credit is ‘unsuitable’.When will credit be unsuitable?The credit contract or credit limit increase will be unsuitable if: it doesn’t meet your requirements and objectives; or you’re likely to be unable to comply with the financial obligations; or you could only comply with your financial obligations with substantial financialhardship (for example, by selling your principle place of residence); or the regulations deem the credit contract or credit limit increase to be unsuitable.How do we assess if the credit will be unsuitable?We must make reasonable inquiries about your requirements and objectives, andyour financial situation, and take reasonable steps to verify your financial situation.What if we approve your credit?Then you may request a free written copy of your assessment up to seven (7)years after the agreement date or credit limit increase.6

HSBC Home Loan TermsWhen do we have to give you the written assessment?If you request a copy of the written Then we’ll give it to you:assessment:Before you enter into the contract orthe limit is increasedBefore you enter into the contract orwe increase the limitWithin 2 years of you entering into thecontract or the limit is increasedWithin 7 business daysAfter 2 years of you entering into thecontract or the limit is increasedWithin 21 business daysWhen don’t we have to give you the written assessment?We don’t have to give you a copy of the written assessment if we decline yourapplication, or we don’t proceed with lending to you or increasing your limit.What if you’ve got a complaint?Please let us know and we’ll do our best to resolve your complaint efficiently,honestly and fairly to your satisfaction.You can contact us: through a branch; or by calling 1300 308 188 (toll free) or 61 2 9005 8181 (from overseas, you maybe charged by the telephone provider); or if you are hearing impaired, by calling 133 677 and asking for 1300 308 188; or if you are a speak and listen (speech to speech relay) user, by calling 1300 555 727and asking for 1300 308 188; or by emailing our Customer Relations Team at customerrelationsaustralia@hsbc.com.au or by mail at HSBC Bank Australia Limited, PO BOX 5302, Sydney NSW2001.7

HSBC Home Loan TermsPlease refer to the ‘Complaints, Disputed Transactions and Investigations’ sectionof the HSBC Personal Banking Booklet for further details about how we deal withcomplaints and transaction queries.If you’re unsatisfied with our resolution or our complaints process, you may contact the Australian Financial Complaints Authority. This is a free serviceestablished to provide you with an independent mechanism to resolve specificcomplaints. AFCA can be contacted by mail: GPO Box 3 MELBOURNE VIC 3001;by phone 1800 931 678; by email at info@afca.org.au; and online at www.afca.org.au8

HSBC Home Loan TermsHome Loan Terms and Offset Savings Account ProductDisclosure StatementAppendix 3 of these Home Loan Terms contains part of the Product DisclosureStatement (PDS) for the Offset Savings Account. It contains importantinformation and must be read with the Personal Banking Booklet which is theother part of your PDS.Other important informationOur investigations and enquiriesWhen we assess credit applications or during the course of lending, we may carryout searches, inspections, valuations and other enquiries. These are for our ownpurposes, and you cannot rely on them.We recommend that you: carry out your own enquiries such as valuations and searches; seek your own independent professional, financial and legal advice; take time to carefully read and understand all documents in connection with yourcredit and with your purchase.Interest and exchange rate movement risksFixing your interest rate, or borrowing in a currency other than Australian dollarscan present a unique set of risks. We have no responsibility, and have given noadvice, in respect of movements in interest rates or exchange rates.IMPORTANT: If you borrow in a foreign currency, changes in exchange ratesmay increase the Australian dollar equivalent of your mortgage loan. If thishappens, you may need to make an additional payment to reduce the amount ofyour mortgage.We don’t monitor movements in interest rates or exchanges rates foryou. It’s your responsibility. You should consider getting independentfinancial advice before considering a foreign currency loan, or considerhedging options.9

HSBC Home Loan TermsPART B: HOME LOAN TERMSHSBC Bank Australia Limited ABN 48 006 434 162GPO Box 5302 Sydney NSW 2000Australian Credit Licence 232595Your Home Loan – who is this agreement between andwhat documents form part of this agreement?This section describes the parties to this agreement,and the documents that make up this agreement.These terms, and the other agreement documentsdescribe how your loan works.In summary, we’ll lend money to you and you’ll giveus security. This could be a mortgage over yourproperty. The “mortgage” is a form of security forrepayment of your loan and for payment of otheramounts relating to your loan. You promise to repayyour loan and to pay other amounts related to yourloan that are described in your letter of offer.We’ll only lend up to a certain percentage of thevalue of the security you give us. We’ll work thisout using a loan to value ratioLoan“Loan” means the totalof the money we lendyou at the start of thisagreement plus anymoney we lend you atother times under thisagreement. It doesn’tinclude interest, feesand charges, unless youdon’t pay these, and theyare added to your loanbalance.SecurityLoan to value ratioSecurity usually means rights you giveus over things you own, to give usextra cover in case you don’t keep toyour obligations under this agreement.We calculate the loan to value ratio as:For example, if you have a home loan,the security could be the mortgageover the property. Your letter of offerwill show you what security we take.the total value of all the property orinterests in property that we havesecurity over.the balance of your loan accounts10

HSBC Home Loan Terms1. WHO’S THIS AGREEMENT BETWEEN?YouWe/Us/OurYou means the person (or persons)named in the letter of offer as “theborrower”.HSBC Bank Australia LimitedABN 48 006 434 162GPO Box 5302 Sydney NSW 2000AFSL/Australian Credit Licence 232595T: 1300 301 168 www.hsbc.com.auThis can also include a personalrepresentative, a successor or anyoneelse who takes over your legal rightsor duties.If more than one of you is borrowing from us, this agreement applies to all of youtogether and to each of you on your own. This means that we can, for example,require any one of you to make payments under the loan and that each of you willbe liable individually for the full loan balance. It also means that if there is morethan one of you, any one of you can instruct us about your loan, including aboutredraws, and we do not need to get consent from the others.If one of you doesn’t want to be liable for: a loan you haven’t yet drawn on; or future drawings or re-borrowings (where you’ve already drawn on a loan thatisn’t a construction loan),you can write to us to tell us. If you do, we won’t give you any further loanamounts or allow you to redraw from your loan account.Loan AccountYour loan account is the account in your name which was opened for thepurposes of your home loan with us. This could be made up of one or moreloan accounts.11

HSBC Home Loan Terms2. WHAT FORMS THE AGREEMENT BETWEEN US?The documents that contain important information about your loan and form partof this agreement are set out below. This agreement will start when you acceptthe letter of offer. Please ask your legal adviser to explain anything that you don’tunderstand about this agreement before you sign.Type of informationDocumentTerms specific to your home loanAny variation we make with you,where we don’t give you a newletter of offer. For example, wherewe agree to a change in the amountyou pay each month or where youtake out a different product in somecircumstances.Your letter of offer. This includes theletter of offer we give you before yourloan, and any further letter of offeramending this agreement.These Home Loan Terms.General terms that apply to allaccounts (including home loans whererelevant)The Personal Banking Booklet.Fees, charges and interest ratesYour letter of offer.If you are an existing customer, then the terms in this document will replace anyhome loan terms you have previously agreed to once any agreed notice periodends.If different parts of this agreement don’t work together (for example because onepart says something different to another part) then, so far as laws and regulationsand any code we have to follow allow, the document that first appears higher in thetable above takes priority over a document that first appears lower in the table.12

HSBC Home Loan TermsWhat are our rights and how can we use them?3. WHAT ARE OUR RIGHTS?We have rights under this agreement which help us to protect our interests. Wemay choose whether or not to use a right and which right to use. If we decidenot to use a right, we have not given up our right, and can still take action in thefuture. For example, if we don’t charge a fee when we normally would, we’reentitled to charge you at another point or ensure that we charge it going forward.4. HOW CAN WE USE OUR RIGHTS?We’ll act reasonably when we use our rights.For example, we’ll be acting reasonably if we use a right only as far as isneeded to protect our legitimate interests, such as to reduce a material risk: that you are unable to repay your loan; or of us being unable to rely on the mortgage that you gave us as securityover your loan; or that the mortgage and other security is no longer enough to cover all youowe, for example because your property has lost value.This clause is about how we can use our rights. It doesn’t apply to what otherpeople (for example a receiver) might do, unless they are acting for us.13

HSBC Home Loan TermsHow can we change this agreement?Here we tell you how we may change parts of this agreement. We’ll actreasonably when we make changes.5. WHAT CHANGES CAN WE MAKE?Acting reasonably, we may make changes to this agreement. Our reasons formaking changes are set out in the letter of offer and in the Personal BankingBooklet.If you do not wish to accept a change or variation that we make, you may repayyour loan in accordance with the early repayment provisions in this agreement.If you have a Fixed Rate, break costs may apply.6. HOW WE’LL TELL YOU ABOUT CHANGESActing reasonably, we may need to change rates, payments or other terms in thisagreement. The following table describes the changes we can make without yourprior approval, and how we’ll notify you about the change. Information on currentstandard fees, charges and any interest rates is available on request.14

HSBC Home Loan TermsType of changeWe’ll notify you or advertise the change:Changes to yourunderlying ReferenceRate, or a margin, whichcreates a change to yourVariable RateWe can tell you on the day, or before the day thatwe are changing your Variable Rate.We can reduce your Variable Rate for any reason,but we’ll only increase it to take account of actualchanges, or changes we reasonably expect,because of a change to any of the following: o ur underlying costs to our way of doing business,including the introduction of new technology; or a change to the Reserve Bank Cash Rate; or l aws and regulations, for example, to meet thelaws or regulations, we may need to change yourrate; or i f our costs change as a result of a change to lawsand regulations, we can also change a VariableRate in proportion to the change in cost.Changes to yourrepayment amount orperiodic paymentWhere the change results in an increase in yourrepayment amount or periodic payment and is notcaused by an interest rate increase, we’ll give you atleast 30 days’ notice before it happens.Changes in your favourBefore, or in your next statement after, it happens,(including extending theunless we are required to give you more notice.period of your home loan)Other changesWe may change this agreement terms, such as bychanging the underlying method of calculating orcharging interest, changing the underlying methodof calculating break costs, changing how fees arecalculated or apply, changing or removing packagediscounts, changing agreement features to meetregulatory or customer needs or aligning us withour competition, changing features to reflectour technology, or making other changes as wereasonably need to be able to continue to provideand service your loan.We’ll give you at least 30 days’ notice before ithappens.15

HSBC Home Loan TermsFixed RateVariable RateReference RateAn interest rate thatdoesn’t go up or down– the interest rateremains the same forthe whole Fixed Rateperiod.An interest rate that cango up and down becausethe underlying ReferenceRate or the productmargin or packagemargin increases ordecreases.An interest rate may bemade up of a ReferenceRate and one or moremargins. Your letterof offer sets out theReference Rate andmargins applicable toyour agreement. If youragreement is split intomore than one loanaccount, each split willhave its own ReferenceRate and margin. Youmay contact us to askus about your applicableReference Rate or ratesand applicable margins.Market linked rate A market linked rate is the rate published on the first day of the interestperiod as our market linked rate in the Australian Financial Review or anothernational newspaper under the heading “HSBC Lending Rates”; or if we don’t publish any rates that day, the most recent rate published as ourmarket linked base rate.16

HSBC Home Loan TermsHow will we advertise changes?Any advertisements of changes will appear in The Australian Financial Reviewor another national newspaper.If we advertise a change, we’ll also give you the details when we send you thenext statement of account.When we advertise interest rate changes, we advertise the Reference Rate forthat specific home loan product and whether it applies to owner occupied orinvestment home loans.We may also publish any changes on our website.What needs to happen before we allow you to drawon the loan?7. BEFORE YOU CAN DRAW ON THE LOANYou may only request to draw, or redraw on the loan once you’ve: signed and returned the letter of offer and any variation (if applicable); and completed and returned all the forms we need to open your loan account; and given us:– the security documents (properly completed and signed); and– any documentation required from a guarantor; andGuarantorWhen we say “guarantor”, this is someone who commits to meeting yourobligations under this agreement if you don’t meet them. evidence of any insurance we require, including the original insurance policy orcertificate of currency for insurance of any security provided on a replacementand reinstatement basis noting “HSBC Bank Australia Limited as mortgagee forits respective rights and interests”; and17

HSBC Home Loan Terms a certified copy of any trust deed (where you or an individual or companyproviding a guarantee or security is the trustee of a trust); and any other document we reasonably request in connection with the loan, thesecurity, or to verify a regulatory obligation of ours; and satisfied our reasonable requirements in relation to security (we’ll write to youto tell you what these are), customer identification, and evidence of funds tosettle; and met any conditions that are specific to your loan product in an annexure tothese terms; and if you are a foreign buyer, received and supplied us any advice from theCommonwealth Government under the Foreign Acquisitions and TakeoversAct 1975, and any condition applied to the security that does not unacceptablyimpair our interest in the security; and if you’re required to have Lender’s Mortgage Insurance and you haven’tarranged it through us, we’ll need confirmation from the insurer that a policy’sbeen taken out; and paid any applicable fees and charges (unless we’ve agreed these can be takendirectly from the loan amount before we give you the loan).8. WHEN MAY WE NOT GIVE YOU THE LOAN?We’re not required to let you first draw on the loan, or lend to you further if: we reasonably suspect or discover that anything you have, or if applicable,anyone who you’ve applied through has, told us is materially untrue, or any ofthe promises you have made under this agreement are materially untrue, andthe truth makes it commercially undesirable or potentially harmful to lend, orcontinue to lend you; or we reasonably consider that lending, or lending further may cause harm, orplace you in a financial hardship position; or there are more than one of you, and one of you advises us that they do notwant any further credit under this loan; or18

HSBC Home Loan Terms you’re in default under this agreement and you haven’t fixed it to oursatisfaction or we’re still deciding if we want to take enforcement action; or something material has happened that would lead to a default event that can’tbe fixed; or lending, or lending further would likely cause us to not comply with our internalstandard policies, or an applicable law or regulation; or you do not meet any other condition in a product specific annexure to theseterms; or any guarantor or other security provider withdraws from a guarantee or stopsany other security taken; or there is a death of any guarantor or other security provider; or any guarantor or other security provider is insolvent under administration.What will you have to pay us, when and how?9. WHAT DO YOU HAVE TO PAY US?Once we lend to youYou’ll need to pay us back all you owe by the end of your loan term, or a laterdate if we agree in writing.All you oweThis is everything you owe us including your loan, fees, charges and interestand any other amount we’re entitled to charge you.When we treat your payment as being madeWe’ll treat a payment as being ‘made’ when the full payment is received andcleared by us. If your payment method is declined, we’ll treat the payment as notbeing made, and you will be charged interest and fees on any unpaid amount.19

HSBC Home Loan TermsApplying paymentsIf you do not tell us how to apply cleared payments, acting reasonably, we mayapply them to any part of all you owe in the order that we decide. This is usuallyin the following order:1. to pay unpaid or financed insurance on the security property; then2. to clear arrears; then3. to pay fees and charges; then4. to pay interest; then5. to pay principal.If you have more than one loan account, each will have its own balance and willbe debited and credited separately. If you do not tell us in writing how to apply apayment, we may reasonably decide which account to apply the payment to.If you pay more than your payment amount, we may apply the additional funds toarrears or fees.Court ordered paymentsIf an amount you owe becomes subject to a court order, you must pay interest onthat amount at the interest rate applicable to the relevant loan account. If that isnot possible, you must pay interest at the rate payable under the court order. Theinterest is added daily and is charged to your loan account.20

HSBC Home Loan TermsPrincipal and Interest Interest-only home loanhome loanInterest-only toHome EquityPrincipal and InterestRepaymentYou pay off your loanover the loan termby making periodicpaymentsYou only pay interestto us each month forthe interest only period,and then make principaland interest periodicpayments until the end ofyour loan termYour periodic paymentsonly pay interest to us,and then you pay off yourwhole loan either when:1. Y ou decide to pay theloan back; or2. W e demand you repayall you owe,whichever happens first.There might be further costs that you have to pay, which will be explained in theletter of offer.10. YOUR PERIODIC PAYMENT AMOUNTSYour periodic payment amounts include your scheduled repayment as set out inyour letter of offer, and all fees and charges and other amounts that have beenadded throughout the relevant periodic payment period. You authorise us todeduct this amount each periodic payment date.21

HSBC Home Loan Terms11. WHEN AND HOW DO YOU MAKE YOUR PERIODIC PAYMENTS?You have to make periodic payments at theend of each periodic payment period untilyou have paid off all you owe. We’ll adviseyou on what day of each month you needto pay us.If you elect to split your loan into two ormore loan accounts, a new periodicpayment period date is set for the new loanaccount that’s been created. Therefore,it may be possible to have two or moredifferent periodic payment periods if youloan is split into two or more loan accounts.If you close any loan account, the nextperiodic payment date applicable to thataccount becomes the date after youraccount closure.Periodic PaymentWhen we say “periodicpayment” we mean thepayment that you have tomake for the periodic paymentperiod.Periodic Payment PeriodWhen we say “periodicpayment period”, we mean theperiod that begins on the firstday you establish your loanaccount and ends one calendarmonth later.No periodic payments on weekends or public holidaysWe’ll only ask you to make your periodic payments on business days. If yourperiodic payment falls on a non-business day, that amount will instead be due onthe next business day. Please see clause 9 of the Personal Banking Booklet forwhat is a business day.How you can make paymentsYou can make payments: at any HSBC branch in Australia; or at a Post Office displaying the Bank@Post symbol if you have a Visa Debitcard linked to your loan account; or by direct credit, online banking or phone banking from an HSBC account; or22

HSBC Home Loan Terms by direct credit from an account held with someone else (but only if it’s held inAustralian dollars); or by direct debit authorising us to deduct funds from an account with anotherfinancial institution (not available for HOME SMART loan accounts); or by salary credit.You cannot change your repayment date for your current loan account.12. WHEN WE CAN CHANGE YOUR PERIODIC PAYMENTSWe may need to adjust your periodic payment amounts so that the loan is paidoff by the end of its term.We may do this if, for example: your interest rate changes; or we change how we work out interest; or you are late making a payment or only pay part of it; or we lend you more money; or you have to pay a new cost or fee; or there is a change to your loan term; or we have allowed you, temporarily, to stop or reduce your periodic payments; or you switch to or from an interest-only home loan.23

HSBC Home Loan Terms13. REDRAWIf you pay more than your required periodic payment amount, we may, but don’thave to, allow you to redraw the extra amounts you’ve paid, unless you have oneof the following loans which don’t enable redraw:Loans with a Fixed RateBridging loanConstruction loanThe table below explains when and how you can request a redraw:If your interestrate is:When?How?RestrictionsA Variable RateAt any timeMarket linked rateOn the last day ofthe interest periodstated in yourletter of offer or asagreed with usThere’s no limit tothe amount youcan redraw, andthere’s no charge.You can’t dothis if you arein default underthis agreement,or if you are infinancial hardship.If you have available funds to redraw from more than one loan account, and youdo not specify which account you wish to redraw from, we may reasonably electthe loan account.You must not draw more than your available funds. If you do, you mustimmediately repay the overdrawn amount.We may cancel any redraw feature, or reduce your available balance by theamount of your next periodic payment.24

HSBC Home Loan Terms14. WHAT HAPPENS IF YOU MISS A PERIODIC PAYMENT? you’ll need to pay the missed periodic payment immediately; and you will be in default of your payment obligations under this agreement untilyou have paid the overdue amount, and any associated interest, fees andcharges; and we may take any action available to us under this agreement, or at law; and we may need to adjust the amount of your periodic payments (see clause 12 ofthese Home Loan Terms).What do we charge interest on and how do we workout interest?15. WHAT DO WE CALCULATE INTEREST ON?We calculate interest daily on the unpaid balance of your loan account at theend of the day, unless we have told you that we are not charging interest. If youhave more than one loan account, interest is calculated separately on each loanaccount.We don’t pay interest on loan account with a positive credit balance. If your loanaccount is in a positive credit balance, we may, at our discretion, terminate theloan account, apply the positive balance to any loan closure related fees andcharges, release the security and pay you the remaining balance.16. HOW DO WE WORK OUT INTEREST?Interest starts to apply to your loan account balance daily, from the date we setup your loan account. Your daily interest rate is calculated by dividing your annualinterest rate applicable at the time by 365.Your annual interest rate is made up of a Reference Rate, plus or minus a productmargin (which is specific to your loan product), plus or minus a package margin25

HSBC Home Loan Terms(if you have a Home Loan Package). If the annual interest rate is below 0%per annum, it is taken to be 0% per annum.The interest rates in your letter of offer are current at the disclosure date in yourletter of offer, and may change before you draw your loan. See clause 6 above formore information.When we advertise annual interest rates, we are advertising the Reference Rate,which does not include any relevant margins.17. CAPITALISING INTERESTWe may add your unpaid overdue interest, fees and charges to your loan balance,such as when we’ve agreed to vary your agreement for financial hardshipreasons, or where you haven’t paid us. If we do this, the amounts are no longertreated as overdue amounts. Rather, they are treated as part of your principalsum, and attract interest at the applicable annual interest rate. This is known ascapitalising interest.Capitalising interestThis is where inter

additional terms for home loan accounts 42 1. changing to an investment property rate 42 2. advance interest payments 42 3. foreign currency home loans 43 4. second or subsequent mortgages 44 5. how fixed and market linked rates work 44 6. split loans 45 7. construction loans 45 8. home loan package 47 9. home equity loan repayments 48 10.

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organizations. HSBC is marketed worldwide as ‘the world’s local bank.’ HSBC Holdings plc is the funder for this program. www.hsbc.com HSBC North America: HSBC North America Holdings Inc. is one of the 10 largest bank holding companies in the United States with

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1. JomPAY on HSBC Online Banking & Mobile Banking App a. “The Bank”, “we”, “our” or “us” refers to HSBC Bank Malaysia Berhad or HSBC Amanah Malaysia Berhad i.e. the entity with whom you hold your bank account. b. You may connect to our internet banking site (“Online Banking”) via www.hsbc.com.my

HSBC Bank Terms & Conditions for Online and Mobile Banking (Dec 2019 Edition) (Formerly known as HSBC Bank Terms & Conditions for Personal Internet Banking) The effective date of the HSBC Bank Terms & Conditions for Online and Mobile Banking (Dec Edition) is as follows: 12 Dec 2019 for all new and existing customers 1. Services 2.

20. The alleged debt was originally a home loan with HSBC Bank ("HSBC Bank") which fell into default status sometime in 2009. 21. HSBC Bank accelerated the note and mortgage on March 6, 2010 and HSBC Bank filed for foreclosure on June 1, 2010. 22. The Defendant uses the instrumentality of interstate commerce and the mails in its

HSBC HSBC Bank USA, N.A., its banking and non-banking U.S. affiliates and subsidiaries and service providers (collectively, "HSBC USA", "we", “our"). . except where a different online and/or mobile statement is posted indicating that it is intended to take the place of this Statement.

Welcome to HSBC Bank Bermuda Limited (HSBC). Our objective is to make the application process for HSBC accounts and other products and services as easy as possible. Full details of our services and products are available at www.hsbc.bm. Please pay close attention to the instructions to avoid delays.

HSBC Expat is a division of HSBC Bank plc, Jersey Branch and is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation, Investment, and Fund Services Business. Principal address: HSBC House, Esplanade, St. Helier, Jersey, JE1 1HS, Channel Islands. HSBC Bank

Diversity of Algae, Lichens, & Bryophytes 50 Paper III Diversity of Pteridophytes & Gymnosperms 50 Practical Practical Syllabus based on theory papers 50 B.Sc. II Year Papers Title of Paper Max. Marks Paper I Diversity of Angiosperms: Systematics, Development & Reproduction 50 Paper II Cytology, Genetics, Evolution & Ecology 50 Paper III Plant Physiology and Biochemistry 50 Practical Practical .