Terms & Conditions - HSBC

Appendix Definitions
“Account” means each of the Savings Accounts, Current Accounts, Time Deposit Accounts,
and any other accounts opened or to be opened by the Customer under/ including the Master
Account and provided for in the above Terms and Conditions. Where the context requires,
Account may also be used in reference to the Master Account.
“Amounts Owing” means all amounts owed by the Customer to the Bank and any HSBC Group
member whether in connection with an Account, other credit facility or any other reason from
time to time and the costs incurred to collect Amounts Owing.
“Debit Card“ means any card in relation to the Master Account and/or a Tier issued to the
Customer by the Bank which may be used to effect banking transactions by electronic means,
whether at automated teller machines, point of sale terminals or such other mediums as shall be
made available by or are acceptable to the Bank from time to time.
“Authorised Signatory” means, for each Account or Service as provided by the Bank, the
individual designated and whose signature has been registered by the Customer with the Bank
via a mandate of account operation and banking services (the “Mandate”) or equivalent (as
supplemented or amended from time to time) as a person who is authorised to give Instructions
and/or otherwise conduct banking activities on the Customer’s behalf.
“Bank” means HSBC Bank (Vietnam) Ltd. and its transaction centre, branches and transaction
offices.
“Business Day” means any day on which the Bank is opened for business.
“Consolidated Statement of Account” means a Consolidated Statement relating to the Services,
the Accounts, the Tier and/or such other Information as may be determined by the Bank from
time to time and further includes a statement consolidating information for more than one of the
Customer’s Accounts.
“Credit Card” means a credit card issued by the Bank in connection with the Master Account
and/or a Tier.
“Customer(s)” means the holder(s) of a Master Account. Where there is more than one such
person, references to the “Customer” shall be construed, as the context requires, to any, all or
each of them.
“E-Banking” means all present and future services offered directly or indirectly by the Bank or
HSBC Group through any device, including without limitation a computer, telephone or ATM/
POS terminal, used by the Customer to access an Account or other Bank services or products,
or other transactional, communication or information system, including all Internet or telephone
banking and all other electronic or automated services.
“Features” means the Services, rewards, benefits, privileges and the like that a Customer is able
to enjoy under and/or in connection with a Tier.
“VND” means Vietnamese dong
“HSBC Group” means HSBC Holdings plc and its subsidiary and associates and any of their
branches.
“HSBC Premier” is one of the Tiers made available by the Bank to eligible Customers.
“HSBC Premier Emergency Services” means such emergency services offered to an HSBC
Premier Customer from time to time the Services which are provided by the Bank and/or
MasterCard International and its appointed agent/third party service provider and which may
include instant lost or stolen card reporting, replacement card delivery on the next day and
emergency cash disbursement.
“Instructions” means any instructions in writing or in any other forms (corresponding with
each specific banking service) provided or purportedly provided by the Customer, including but
not limited to instructions from an Authorised Signatory and received by the Bank directly or
indirectly, via electronic means, telephone or other communication channel or device.
“Instrument” means any bill of exchange, promissory note, cheque, cash, note, bank drafts or
other order for payment of money, negotiable instrument, payment remittance or other valuable
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