Statement of HSBC Pulse UnionPay Dual Currency Diamond Card Pulse

Page 1 / 6

MISS CHAN KA MAN M Card Type

ROOM G FLOOR 14 14430 PULSE DUALCURRENCY
YEE FU CRT Statement Date
TA PO PLAZA 21 DEC 2021
TAI PO NT Account Number Credit Limit
6250 9800 1270 7995 HKD32,800.00
8383 8300 1849 3585 CNY6,700.00*

Account number 6250 9800 1270 7995 HKD Sub-account Statement balance HKD0.00

Post date Trans date Description of transaction Amount (HKD)

PREVIOUS BALANCE 0.00

**** REWARDCASH SUMMARY FOR CARD NUMBER 6250 9800 1270 7995 ****
REWARDCASH OPENING BALANCE : 15
REWARDCASH EARNED : 0
REWARDCASH ADJUSTED : 0
REWARDCASH REDEEMED : 0
REWARDCASH CLOSING BALANCE : 15

REWARDCASH EXPIRING IN MAY2023 : 15

REGISTRATION/RENEWAL DATE : 11DEC2020

HSBC PULSE CARD EXCLUSIVE REWARD 2021 :
5X REWARDCASH IN CHINA SPEND - 2021
THE EFFECTIVE PERIOD IS FROM 01JAN2021 TO 31DEC2021.
FOR TERMS AND CONDITIONS, PLEASE VISIT www.hsbc.com.hk/rewards

REGISTRATION/RENEWAL DATE : 10DEC2021

HSBC PULSE CARD EXCLUSIVE REWARD 2022 :
5X REWARDCASH IN CHINA SPEND - 2022
THE EFFECTIVE PERIOD IS FROM 01JAN2022 TO 31DEC2022.
FOR TERMS AND CONDITIONS, PLEASE VISIT www.hsbc.com.hk/rewards

STATEMENT BALANCE 0.00

For important information such as payment methods, fees and charges, Minimum payment summary HKD
lost card reporting, and change of correspondence address / telephone 0.00
number, please visit www.hsbc.com.hk or call our Credit Cards Customer Current minimum payment due
Service Hotline on (852) 2233 3000. Please pay by
Overdue / overlimit due now
0.00
Total minimum payment due 0.00

Account number Card type If you are paying by mail, please return it with a crossed cheque made payable
6250 9800 1270 7995 PULSE DUALCURRENCY to "The Hongkong and Shanghai Banking Corporation Limited" or "HSBC" at
least three working days before the payment due date to our Centre, PO BOX
Statement date Statement balance NO. 73730, KOW LOON CENTRAL POST OFFICE HK. Please write your
21 DEC 2021 HKD0.00 account number on the back of the cheque.

PO BOX NO. 73730,

KOW LOON CENTRAL POST OFFICE HK.

* The value of RMB card account is indicative only and may be varied subject to change of exchange rate

Thank you for choosing HSBC.

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 Information about your statement of HSBC UnionPay Dual Currency card(s) Pulse Page 2 / 6
Payment methods
HSBC Customer Service Hotline1: Call (852) 2233 3000 to transfer funds from your linked
savings/current account with HSBC (phone personal identification number (PIN) required).
AutoPay2: Direct debited from your designated bank account on the payment due date. To enrol,
call HSBC Customer Service Hotline on (852) 2233 3000 or visit a nearby branch to fill in a form.
Automated Teller Machine (ATM)**1 : Transfer funds from your account with HSBC or deposit
cash/cheque to settle your credit card account at any HSBC's ATM in Hong Kong.
Cash Deposit Machine (CDM)/ Cheque Deposit Machine (CQM)**1: Make a cash payment
through a CDM or deposit cheques via CQM at selected branches of HSBC.
PPS** 1: Transfer funds from any designated bank account any time, anywhere using a tone-dial
phone. For details, call the PPS pre-recorded hotline on 900 00 222 329. The merchant code of our
Credit Card is "18".
HSBC Internet Banking1 : Transfer funds from your account with HSBC to settle your credit card
account through the internet. Visit www.hsbc.com.hk to register.
Cheque Payment by mail3: Send a cheque together with the payment stub to HSBC, PO Box no.
73730, Kowloon Central Post Office, Kowloon, Hong Kong.
Cheques should be crossed and made payable to 'The Hongkong and Shanghai Banking
Corporation Limited' or 'HSBC'. Please write your card account number on the back of the
cheque. Do not send cash or post-dated cheque.
** These payment methods including RMB cheque payment are not applicable payment to RMB
sub-account.
Remarks: 1. Please make your payment at least one working day ahead of the due date. For cash/ cheque
deposit to settle payments at HSBC's ATM, please make your payment at least two working days ahead of
the due date. 2. Direct debit will be processed on the due date. 3. Cheque should be mailed at least three
working days before the payment due date.

Minimum payment due

You must pay at least the minimum payment due on or before the payment due date(s) as shown on the
statement. This is the current due (subject to a minimum amount), plus the overdue or overlimit due
whichever is greater. Cardholders must settle payment for each of the HKD and RMB sub-accounts
separately by way of its respective currency. Credit balance or overpayment in one sub-account will not be
converted and/or transferred to settle outstanding balance in the other sub-account. Please make payment
directly to the relevant sub-account by way of its specified currency to settle outstanding balance.
Fees and charges
Finance charge: If you fail to pay the Bank the whole of the statement balance by the payment due
date, a finance charge will be applied (a) to the unpaid statement balance from the statement date
immediately preceding the said payment due date until payment in full and (b) to the amount of
each new transaction being posted since the statement date immediately preceding the said payment
due date, from the transaction date until payment in full. The finance charge will accrue daily and be
calculated at the interest rate per month as specified in the Bank's "Bank tariff guide for HSBC Retail
Banking and Wealth Management Customers" for the time being in force.
Late charge: If the minimum payment due is not received by the bank on or before the payment
due date, a late charge (subject to a minimum and a maximum amount, will be levied on your card
account.
Overlimit handling fee : If the statement balance (excluding all the fees and charges currently billed
to the card statement) exceeds the credit limit for the time being assigned to the card account, an
overlimit handling fee will be debited to the card account on the statement date.
Cash Advance fee:Cash advances will be subject to a handling charge depending on the channel via
which the advance is made, where a minimum charge applies, plus a cash advance fee. All charges
are flat and shall be debited to the card account as at the date of the advance.
Returned Cheque /rejected autoPay : A handling fee will be charged to the card account for each
returned cheque or rejected autoPay if drawn on a bank other than HSBC.
The annualised percentage rate (APR) is calculated based on a set of assumptions as set out in the relevant
guidelines as referred to in the Code of Banking Practice and the actual APR applied may be different. The
APR on cash advance is inclusive of handling fee and cash advance fee.
There are some other fees and charges, such as annual fee, card replacement fee, statement duplication fee,
etc., which may apply. For details, please refer to the Bank's "Bank tariff guide for HSBC Retail Banking
and Wealth Management Customers" available at our branches in Hong Kong, or visit www.hsbc.com.hk.
For queries, please call HSBC Customer Service Hotline on (852) 2233 3000.
Foreign Currency Transactions (other than Renminbi)
All card transactions effected in currencies other than Hong Kong dollars or Renminbi will be debited to the
Hong Kong dollar subaccount after conversion into Hong Kong dollars at a rate of exchange determined by
reference to the exchange rate adopted by UnionPay on the date of conversion plus an additional
percentage of transaction fee levied by the Bank (Such transaction fee is waived for transactions effected in
Macau Pataca and made with HSBC Pulse UnionPay Dual Currency Diamond Card).
Total Account Balance
Total Account Balance (as shown under the transaction summary of the statement) is the total outstanding
balance of the relevant sub-account, which includes Statement Balance and Instalment Amount Remaining.
Instalment Amount Remaining is the total unbilled instalment balance, which is applicable to the relevant
sub-account with instalment transactions only. Please refer to the statement balance and minimum payment
due for payment.
Lost card reporting
If your card is lost or stolen, please report immediately by calling HSBC Customer Service Hotline on (852)
2233 3000 or inform the nearest branch of HSBC. If you are overseas, call any China UnionPay member
bank.
Enquiries
For enquiries, please direct to:
Hotlines: HSBC Premier Hotline: (852) 2233 3322
HSBC Advance Hotline: (852) 2748 8333
HSBC Customer Service Hotline : (852) 2233 3000
Address: Card Services, P. O. Box no. 73740, Kowloon Central Post Office, Kowloon, Hong Kong. (Please
quote your card account number on all correspondence)
Please retain this statement for your reference. For your protection, please check your statement against
copies of your sales slips, and refer any queries on billings within 60 days of the statement date.

If you wish to change your contact information or opt out of over-the-limit facility arrangement, please
complete the form below and return to us. Or you may visit www.hsbc.com.hk to update the information.
Change of correspondence address/telephone number
With effect from please change my records as follows: Credit card number

New correspondence address (in block letters)

Company name
(for office address only )
Room / Flat Floor Block
Name of building / estate

No. and name of street / road

District Hong Kong / Kowloon / New Territories

Postal Code Country
for overseas address only
Telephone number
Residence Office Mobile phone/pager
Email
Over-the-Limit Facility
I would like to opt-out of the over-the-limit facility for my credit card account as specified below.
Credit card number
* Once your request of opt-out of the over-the-limit facility for your credit card account has taken effect, any card transaction (under the primary card, any additional (combined billing) and/or Private Label
Card(s)) which results in the current balance exceeding your available credit limit of your account will not be effected. Yet the Bank may still post certain types of transactions to your account which may result in
over-the-limit transactions. In these circumstances, the Bank will impose an overlimit handling fee to the relevant account. Please visit our website for details about the concerned transaction types.

Signature (please use signature filed with the Bank) :

Statement of HSBC Pulse UnionPay Dual Currency Diamond Card Pulse

Page 3 / 6

Account number 6250 9800 1270 7995 HKD Sub-account Statement balance HKD0.00

Post date Trans date Description of transaction Amount (HKD)

***** FEES AND CHARGES SUMMARY *****

FEE/CHARGE TYPE AMOUNT
TOTAL FEES/CHARGES(EXCLUDING FINANCE CHARGE) 0.00

***** FINANCE CHARGE SUMMARY *****

BALANCE TYPE ANNUALISED PERCENTAGE RATE (APR) FINANCE CHARGE
CASH ADVANCE 37.75% 0.00
PURCHASE 36.43% 0.00
TOTAL FINANCE CHARGE 0.00

*************INFORMATION REGARDING MAKING MINIMUM PAYMENT*************

The below examples are for illustration only. You may visit our Bank
website at www.hsbc.com.hk for an online credit card repayment
calculator for customized information.
======================================================================
If you make no additional | You will pay off the |and you will end up
charges, purchases and | outstanding balance* |paying an estimated
cash advances on this card| of HKD20,000 in |total of...
and each month you pay... | about... |
======================================================================
| |
Only Minimum Payment Due | 26.3 years** | HKD 70,510***
----------------------------------------------------------------------
| |
HKD 888 | 3 years** | HKD 31,957***
| |(Savings=HKD 38,553)
======================================================================

* The outstanding balance of HKD20,000 is accrued from purchase only.

** Assume repayment is made on or before the payment due date of each
statement month.
*** Include the outstanding balance of HKD20,000 and the total finance
charge which is accrued daily and calculated at an interest rate of
2.625% per month (equivalent to an annualised percentage rate of
36.43% on purchase and 37.75% on cash advance) on the outstanding
balance until it is fully paid.

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Statement of HSBC Pulse UnionPay Dual Currency Diamond Card Pulse

Page 4 / 6

MISS CHAN KA MAN M Card Type

ROOM G FLOOR 14 14430 PULSE DUALCURRENCY
YEE FU CRT Statement Date
TA PO PLAZA 21 DEC 2021
TAI PO NT Account Number Credit Limit
6250 9800 1270 7995 HKD32,800.00
8383 8300 1849 3585 CNY6,700.00*

Account number 8383 8300 1849 3585 RMB Sub-account Statement balance CNY437.09CR

Post date Trans date Description of transaction Amount (CNY)

PREVIOUS BALANCE 437.09CR

Note: "CR" means Credit transaction / balance

STATEMENT BALANCE 437.09CR

***** FEES AND CHARGES SUMMARY *****

FEE/CHARGE TYPE AMOUNT
TOTAL FEES/CHARGES(EXCLUDING FINANCE CHARGE) 0.00

***** FINANCE CHARGE SUMMARY *****

BALANCE TYPE ANNUALISED PERCENTAGE RATE (APR) FINANCE CHARGE
CASH ADVANCE 37.75% 0.00
PURCHASE 36.43% 0.00
TOTAL FINANCE CHARGE 0.00

For important information such as payment methods, fees and charges, Minimum payment summary CNY
lost card reporting, and change of correspondence address / telephone 0.00
number, please visit www.hsbc.com.hk or call our Credit Cards Customer Current minimum payment due
Service Hotline on (852) 2233 3000. Please pay by
Overdue / overlimit due now
0.00
Total minimum payment due 0.00

Account number Card type If you are paying by mail, please return it with a crossed cheque made payable
8383 8300 1849 3585 PULSE DUALCURRENCY to "The Hongkong and Shanghai Banking Corporation Limited" or "HSBC" at
least three working days before the payment due date to our Centre, PO BOX
Statement date Statement balance NO. 73730, KOW LOON CENTRAL POST OFFICE HK. Please write your
21 DEC 2021 CNY437.09CR account number on the back of the cheque.

PO BOX NO. 73730,

KOW LOON CENTRAL POST OFFICE HK.

* The value of RMB card account is indicative only and may be varied subject to change of exchange rate

Thank you for choosing HSBC.

90
 Information about your statement of HSBC UnionPay Dual Currency card(s) Pulse Page 5 / 6
Payment methods
HSBC Customer Service Hotline1: Call (852) 2233 3000 to transfer funds from your linked
savings/current account with HSBC (phone personal identification number (PIN) required).
AutoPay2: Direct debited from your designated bank account on the payment due date. To enrol,
call HSBC Customer Service Hotline on (852) 2233 3000 or visit a nearby branch to fill in a form.
Automated Teller Machine (ATM)**1 : Transfer funds from your account with HSBC or deposit
cash/cheque to settle your credit card account at any HSBC's ATM in Hong Kong.
Cash Deposit Machine (CDM)/ Cheque Deposit Machine (CQM)**1: Make a cash payment
through a CDM or deposit cheques via CQM at selected branches of HSBC.
PPS** 1: Transfer funds from any designated bank account any time, anywhere using a tone-dial
phone. For details, call the PPS pre-recorded hotline on 900 00 222 329. The merchant code of our
Credit Card is "18".
HSBC Internet Banking1 : Transfer funds from your account with HSBC to settle your credit card
account through the internet. Visit www.hsbc.com.hk to register.
Cheque Payment by mail3: Send a cheque together with the payment stub to HSBC, PO Box no.
73730, Kowloon Central Post Office, Kowloon, Hong Kong.
Cheques should be crossed and made payable to 'The Hongkong and Shanghai Banking
Corporation Limited' or 'HSBC'. Please write your card account number on the back of the
cheque. Do not send cash or post-dated cheque.
** These payment methods including RMB cheque payment are not applicable payment to RMB
sub-account.
Remarks: 1. Please make your payment at least one working day ahead of the due date. For cash/ cheque
deposit to settle payments at HSBC's ATM, please make your payment at least two working days ahead of
the due date. 2. Direct debit will be processed on the due date. 3. Cheque should be mailed at least three
working days before the payment due date.

Minimum payment due

You must pay at least the minimum payment due on or before the payment due date(s) as shown on the
statement. This is the current due (subject to a minimum amount), plus the overdue or overlimit due
whichever is greater. Cardholders must settle payment for each of the HKD and RMB sub-accounts
separately by way of its respective currency. Credit balance or overpayment in one sub-account will not be
converted and/or transferred to settle outstanding balance in the other sub-account. Please make payment
directly to the relevant sub-account by way of its specified currency to settle outstanding balance.
Fees and charges
Finance charge: If you fail to pay the Bank the whole of the statement balance by the payment due
date, a finance charge will be applied (a) to the unpaid statement balance from the statement date
immediately preceding the said payment due date until payment in full and (b) to the amount of
each new transaction being posted since the statement date immediately preceding the said payment
due date, from the transaction date until payment in full. The finance charge will accrue daily and be
calculated at the interest rate per month as specified in the Bank's "Bank tariff guide for HSBC Retail
Banking and Wealth Management Customers" for the time being in force.
Late charge: If the minimum payment due is not received by the bank on or before the payment
due date, a late charge (subject to a minimum and a maximum amount, will be levied on your card
account.
Overlimit handling fee : If the statement balance (excluding all the fees and charges currently billed
to the card statement) exceeds the credit limit for the time being assigned to the card account, an
overlimit handling fee will be debited to the card account on the statement date.
Cash Advance fee:Cash advances will be subject to a handling charge depending on the channel via
which the advance is made, where a minimum charge applies, plus a cash advance fee. All charges
are flat and shall be debited to the card account as at the date of the advance.
Returned Cheque /rejected autoPay : A handling fee will be charged to the card account for each
returned cheque or rejected autoPay if drawn on a bank other than HSBC.
The annualised percentage rate (APR) is calculated based on a set of assumptions as set out in the relevant
guidelines as referred to in the Code of Banking Practice and the actual APR applied may be different. The
APR on cash advance is inclusive of handling fee and cash advance fee.
There are some other fees and charges, such as annual fee, card replacement fee, statement duplication fee,
etc., which may apply. For details, please refer to the Bank's "Bank tariff guide for HSBC Retail Banking
and Wealth Management Customers" available at our branches in Hong Kong, or visit www.hsbc.com.hk.
For queries, please call HSBC Customer Service Hotline on (852) 2233 3000.
Foreign Currency Transactions (other than Renminbi)
All card transactions effected in currencies other than Hong Kong dollars or Renminbi will be debited to the
Hong Kong dollar subaccount after conversion into Hong Kong dollars at a rate of exchange determined by
reference to the exchange rate adopted by UnionPay on the date of conversion plus an additional
percentage of transaction fee levied by the Bank (Such transaction fee is waived for transactions effected in
Macau Pataca and made with HSBC Pulse UnionPay Dual Currency Diamond Card).
Total Account Balance
Total Account Balance (as shown under the transaction summary of the statement) is the total outstanding
balance of the relevant sub-account, which includes Statement Balance and Instalment Amount Remaining.
Instalment Amount Remaining is the total unbilled instalment balance, which is applicable to the relevant
sub-account with instalment transactions only. Please refer to the statement balance and minimum payment
due for payment.
Lost card reporting
If your card is lost or stolen, please report immediately by calling HSBC Customer Service Hotline on (852)
2233 3000 or inform the nearest branch of HSBC. If you are overseas, call any China UnionPay member
bank.
Enquiries
For enquiries, please direct to:
Hotlines: HSBC Premier Hotline: (852) 2233 3322
HSBC Advance Hotline: (852) 2748 8333
HSBC Customer Service Hotline : (852) 2233 3000
Address: Card Services, P. O. Box no. 73740, Kowloon Central Post Office, Kowloon, Hong Kong. (Please
quote your card account number on all correspondence)
Please retain this statement for your reference. For your protection, please check your statement against
copies of your sales slips, and refer any queries on billings within 60 days of the statement date.

If you wish to change your contact information or opt out of over-the-limit facility arrangement, please
complete the form below and return to us. Or you may visit www.hsbc.com.hk to update the information.
Change of correspondence address/telephone number
With effect from please change my records as follows: Credit card number

New correspondence address (in block letters)

Company name
(for office address only )
Room / Flat Floor Block
Name of building / estate

No. and name of street / road

District Hong Kong / Kowloon / New Territories

Postal Code Country
for overseas address only
Telephone number
Residence Office Mobile phone/pager
Email
Over-the-Limit Facility
I would like to opt-out of the over-the-limit facility for my credit card account as specified below.
Credit card number
* Once your request of opt-out of the over-the-limit facility for your credit card account has taken effect, any card transaction (under the primary card, any additional (combined billing) and/or Private Label
Card(s)) which results in the current balance exceeding your available credit limit of your account will not be effected. Yet the Bank may still post certain types of transactions to your account which may result in
over-the-limit transactions. In these circumstances, the Bank will impose an overlimit handling fee to the relevant account. Please visit our website for details about the concerned transaction types.

Signature (please use signature filed with the Bank) :

Statement of HSBC Pulse UnionPay Dual Currency Diamond Card Pulse

Page 6 / 6

Account number 8383 8300 1849 3585 RMB Sub-account Statement balance CNY437.09CR

Post date Trans date Description of transaction Amount (CNY)

*************INFORMATION REGARDING MAKING MINIMUM PAYMENT*************

The below examples are for illustration only. You may visit our Bank
website at www.hsbc.com.hk for an online credit card repayment
calculator for customized information.
======================================================================
If you make no additional | You will pay off the |and you will end up
charges, purchases and | outstanding balance* |paying an estimated
cash advances on this card| of HKD20,000 in |total of...
and each month you pay... | about... |
======================================================================
| |
Only Minimum Payment Due | 26.3 years** | HKD 70,510***
----------------------------------------------------------------------
| |
HKD 888 | 3 years** | HKD 31,957***
| |(Savings=HKD 38,553)
======================================================================

* The outstanding balance of HKD20,000 is accrued from purchase only.

** Assume repayment is made on or before the payment due date of each
statement month.
*** Include the outstanding balance of HKD20,000 and the total finance
charge which is accrued daily and calculated at an interest rate of
2.625% per month (equivalent to an annualised percentage rate of
36.43% on purchase and 37.75% on cash advance) on the outstanding
balance until it is fully paid.

If the statement balance for your credit card account

exceeds the credit limit on the statement date, an overlimit
handling fee will be debited to the account. If you wish to
opt out of the over-the-limit facility, you may fill out
the form on the back of the statement or Personal Internet
Banking. For enquiries, please contact us on 2233 3000.

We notice that there have been fraudulent telephone calls,

voice messages,or emails that claim to be from HSBC.We would
like to remind you not to disclose your personal details to
suspicious third parties.You can call us on (852)2233 3000
to verify the caller's identity if in doubt.Please select
language,listen to system message and press quick key 5#00.

90