Issued by HSBC BANK MALAYSIA BERHAD 198401015221 (127776-V)). The minimum amount for each Balance Transfer ("BT") application is RM1,000. The Eligible Cardholder shall pay the minimum payment of 5% of the outstanding balance which is part of the Minimum Monthly Payment due on or before the payment due date. The interest rate is subject to HSBC's approval. The terms used herein are as defined in the
HSBC Balance Transfer Terms & Conditions.