Loan Against Property Terms and Conditions 1. The Offer is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC). Any participation in the Offer is voluntary. 2. The abovementioned special floating rate of interest is being offered for Loan Against Property (herein referred as ‘LAP’) and SmartLAP to all Resident Indian and Non-Resident individuals (Customers). This special rate is for new loan, Balance Transfer/Takeover, (herein referred as ‘the Offer’). 3. Under the Offer, interest only at floating rate is offered. All floating rate loans are linked to HSBC’s Base Rate, any revision in the Base Rate would impact the floating rate. 4. All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC). Currently LAP is available to applicants and for properties in and around the city limits of (sourcing cities) Ahmedabad, Bengaluru, Chandigarh, Chennai, Hyderabad, Jaipur, Mumbai, New Delhi (NCR) and Pune; and is subject to change from time to time. 5. All loans are subject to the documentation, applicable credit policies and compliance of legal requirement of HSBC. 6. HSBC shall conduct required verification, valuation and legal checks as per its extant policies. 7. HSBC reserves the right to ask for documents as required for the loan processing. 8. HSBC reserves its absolute right to withdraw or alter any of the terms and conditions of the Offer, at anytime without prior intimation. 9. HSBC will not be liable for any loss or damage whatsoever that may be suffered, as a result of availing the Offer. 10. The Offer is subject to force majeure events. 11. All decisions with respect to the Offer shall be at the sole discretion of HSBC and the same shall be final, binding and non-contestable. Other than the specific entitlements available to the customers under this Offer, any other claims with regard to this Offer against HSBC are waived. 12. Any disputes arising out of the Offer shall be subject to the exclusive jurisdiction of courts in Mumbai only. The existence of any dispute shall not, by itself, constitute any claim against HSBC. 13. By availing the Offer, you shall be deemed to have accepted these terms and conditions herein in totality. Additional terms and conditions applicable for LAP Loan transfers 1. HSBC will takeover the existing LAP liability/loan of the Customer(s) from their existing financier based on the Offer. 2. The existing LAP being taken over should have a clear track record with respect to the LAP account held with current financier. 3. Takeover is permitted only from list of financiers approved by HSBC. For details, speak to your Relationship Manager or visit the nearest HSBC branch in India. For more details on: Minimum and maximum loan amount, other product features and terms and conditions, please visit www.hsbc.co.in

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