1.

This Bestpay HSBC  program is a shopping transaction exchange program for goods purchased using HSBC credit card ("Shopping Transaction"), which allows the Shopping Transaction to be transferred to a fixed installment payment system. Under the scheme, the invoice statement will be charged, together with interest and other charges, to the HSBC cardholder's credit card, to be paid by the HSBC credit cardholder in fixed installments over a fixed period.

2.

Shopping Transaction that are eligible for the Bestpay HSBC scheme include all Shopping Transactions using HSBC credit card (Visa/Mastercard/Gold/Classic/Platinum/Premier) issued in Indonesia in participating Oke Shop outlets for product Nokia, Sony Ericsson, HTC and BlackBerry with minimum transactions of Rp. 500,000.- (five hundred thousands Rupiah). This promotion is not valid for HSBC corporate credit cardholders and HSBC credit cards issued outside Indonesia.

3.

To convert  the Shopping Transaction into fixed installment, HSBC cardholder has to contact HSBC call center at (021) 524 8009, 3 (three) days after transaction is made (as stipulated in point 2 above) and before billing statement printing date.

4.

Shopping Transaction that are eligible to be processed to Bestpay HSBC include all Shopping Transactions as stipulated in point 2 of these terms and conditions provided that the request to convert such transaction is made in not more than 30 (thirty) days after the transaction date.

5.

The transaction amount converted into Bestpay HSBC scheme shall be the total value of the Shopping Transaction. Unless otherwise stipulated by HSBC, HSBC credit cardholder may not request part of the transaction amount of any Shopping Transaction made using HSBC credit card to be converted into the Bestpay HSBC scheme. The HSBC credit cardholder may not change the installment period if the HSBC Installment Plan request has already been approved and calculated prior to being entered into the HSBC system.

6.

The installment of Bestpay HSBC to be paid by the HSBC credit cardholder will be recorded on the credit cardholder's monthly credit card billing statement. The following table illustrates the monthly amount payable by the HSBC credit cardholder:

7.

If HSBC credit cardholders have to pay monthly installment from Bestpay HSBC program, then the amount of such monthly installment transaction is already included in total minimum payment.

8.

Posting date of purchase transaction amount and/or installment amount in HSBC system will be the same with billing statement printing date.

9.

If the HSBC cardholder fails to make any payment for two consecutive months, HSBC will invoice total outstanding balance of Bestpay HSBC scheme for the entire remaining Bestpay HSBC amount and other charges as the total minimum payment.

10.

Any HSBC credit cardholder who wishes to make early repayment in full before the end of Bestpay installment tenor will be charged an administrative fee of Rp 100,000 (one hundred thousand Rupiah) in addition to the remaining outstanding amount.

11.

Cardholders' credit card limit will be deducted with the transaction amount which has already been processed into Bestpay HSBC (including the interest for Bestpay HSBC  with 1% interest). Credit card limit will increase in the amount of monthly installment payment.

12.

If after transaction conversion into Bestpay HSBC  the credit limit becomes exceeded, HSBC will charge an over-limit fee amounting Rp. 50,000.- for Classic card and Rp. 75,000.- for Gold card.

13.

This promotion is valid in participating Oke Shop outlets nationwide during the period 1-31 December 2008.

14.

These terms and conditions are made in Indonesian language and English. In the event of inconsistency between the Indonesian language and the English version, the Indonesian language version shall prevail

HSBC will communicate any changes to these Terms and Conditions to credit cardholders no later than 7 (seven) working days before the changes takes place.