Üáñ ųٳݳϳÏÇó ²ÝÑåáõÙ Mastercard êáíáñ³ï³ý ÝáõÙÝ»ñ` ³Ýëáíáñ ³ñ³ áõãû³ùµ: New and innovative Mastercard Contactless Usual shopping experience at unus

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1 Üáñ ųٳݳϳÏÇó ²ÝÑåáõÙ Mastercard êáíáñ³ï³ý ÝáõÙÝ»ñ` ³Ýëáíáñ ³ñ³ áõãû³ùµ: New and innovative Mastercard Contactless Usual shopping experience at unusual speed. ì ³ñáõÙ Ù»Ï ³ÏÝóñÃáõÙ Pay in seconds Ðñ³å³ñ³ÏÙ³Ý ³Ùë³ÃÇí` ë»åï»ùµ»ñ 2018 Publication date: September 2018

2 2 3 ì ³ñáõÙÝ»ñ ϳï³ñ»Éáõ íñ³ áõù ûñ³ï³ý ͳËëáõÙ»ù Ùáï 5 ñáå»: î³ñ»ï³ý ëï³óíáõù ³í»ÉÇ ù³ý 30 ųÙ: Êݳۻù Ò»ñ ųٳݳÏÁ Çñ³Ï³Ý³óñ»ù ³éûñÛ³ ÝáõÙÝ»ñ Ù»ñ Ýáñ ²ÝÑåáõÙ ù³ñï»ñç ÙÇçáóáí: ä³ñ½³å»ë Ùáï»óñ»ù Ò»ñ ²ÝÑåáõÙ HSBC Mastercard-Á POS ï»ñùçý³éçý ϳï³ñ»ù í ³ñáõÙÝ»ñ: г۳ëï³ÝáõÙ ÙÇÝã 12,100 ÐÐ ¹ñ³Ù áñí³ñùý»ñý Çñ³Ï³Ý³óíáõÙ»Ý ³é³Ýó PIN-Á Ùáõïù³ ñ»éáõ ³ÝÑñ³Å»ßïáõÃÛ³Ý 1, ÇëÏ ³ñï³ë³ÑÙ³ÝáõÙ ³é³Ýó PIN áñí³ñù ϳï³ñ»ÉÇë Ï áñíç ïíû³é»ñïñáõù ë³ñù³ýí³í ³é³í»É³ áõûý ë³ñù³ý³ã³ Á: ²í»ÉÇ Ëáßáñ áõù³ñý»ñç ³ÝÑåáõÙ áñí³ñùá í³í»ñ³ï³ý³óý»éáõ ѳٳñ ³ÝÑñ³Å»ßï Ùáõïù³ ñ»é Ò»ñ PIN-Á: You are spending around 5 minutes every day to do your payments. This is more than 30 hours in a year. Save your time and do your daily shopping with the help of our new Contactless cards. To make a purchase, simply tap your HSBC Mastercard Contactless at the POS terminal. In Armenia the spending limit without PIN verification is AMD12,100 1 per transaction whereas, when abroad, the country s maximum limit for contactless transactions without PIN verification will apply. However, you can still pay contactless for higher value transactions by entering your PIN. 1 ºñµ»ÙÝ Ñ³Ù³Ï³ñ Á ϳñáÕ PIN å³ñ³ýç»é ݳ Ýßí³Í ë³ñù³ý³ã³ Çó ó³íñ áñí³ñùý»ñç ¹»åùáõÙ` ѳÙá½í»Éáõ, áñ áõù Çñ³Ï³Ý ù³ñï³ï»ñý»ù: 1 From time to time, you will be asked to enter your PIN for transactions below the mentioned threshold to verify you are the genuine card holder.

3 4 5 ²ÛÝ å³ñ½, ³ñ³ ³å³Ñáí It's Easy, Fast and Secure ²í»ÉÇÝ, ϳï³ñ»Éáí í ³ñáõÙÝ»ñ Ò»ñ ²ÝÑåáõÙ Mastercard -Ç ÙÇçáóáí` áõù Ïëï³Ý³ù ñ³íçã ½»Õã»ñ г۳ëï³ÝáõÙ ³ÙµáÕç ³ß˳ñÑáõÙ: γñáÕ»ù ͳÝáÃ³Ý³É Ù»ñ ½»Õã»ñÇÝ Ñ³ïáõÏ ³é³ç³ñÏÝ»ñÇÝ Ï³ÛùáõÙ: Moreover, pay with HSBC Mastercard Contactless and get discounts in Armenia and worldwide. For more details please visit website. г ³Ë ïñíáõ ѳñó»ñ 1. ÆÝãå»±ë ϳñáÕ»Ù ëï³ý³é ÇÙ ²ÝÑåáõÙ HSBC Mastercard -Á: HSBC-Ý ³íïáÙ³ï ÃáÕ³ñÏáõÙ ³ÝÑåáõÙ ù³ñï,»ñµ áõù ¹ÇÙáõÙ»ù Mastercard ëï³ý³éáõ ѳٳñ, ϳٻñµ Ò»ñ áñíáõ ù³ñïç ųÙÏ»ïÁ ëå³éíáõù : ²ÛëåÇëáí, Ò»ñ µáéáñ Ýáñ í»ñ³ãáõ³ñïí³í HSBC Mastercard -»ñá ÃáÕ³ñÏíáõÙ»Ý ³ÝÑåáõÙ ï»ëýáéá dzÛáí: 2. ÆÝãå»±ë»Ù û ï³ áñí»éáõ ÇÙ ²ÝÑåáõÙ HSBC Mastercard -Á: ³) ï»ù ³ÝÑåáõÙ áñí³ñùç ³Ûë ï³ñµ»ñ³ýß³ýá ˳ÝáõÃáõÙ, é»ëïáñ³ýáõù Ï³Ù í³ ³éùÇ ³ÛÉ Ï»ïáõÙ: µ) гÛïÝ»ù, áñ ó³ýï³ýáõù»ù í ³ñ»É ³ÝÑåáõÙ ï»ëýáéá dzÛáí: áñí³ñùç áõç ÁÝóóùáõÙ ù³ñïá å³ñ»ù Ò»½ Ùáï (ϳñÇù ãï³ ³ÛÝ Ñ³ÝÓÝ»Éáõ í³ ³éáÕÇÝ): ) Øáï»óñ»ù Ò»ñ ²ÝÑåáõÙ Mastercard -Á Ýßí³Í ï³ñµ»ñ³ýß³ýçý : ºñµ í ³ñáõÙ»ù ϳï³ñáõÙ 12,100 ÐÐ ¹ñ³ÙÇó ³í»É ³ñÅáÕáõÃÛ³Ùµ ³åñ³ÝùÝ»ñÇ Í³é³ÛáõÃÛáõÝÝ»ñÇ ¹ÇÙ³ó, Ùáõïù³ ñ»ù Ò»ñ PIN-Á: ¹) γñ Ó³ÛݳÛÇÝ ³½¹³Ýß³ÝÁ Ïѳëï³ïÇ, áñ Ò»ñ ù³ñïá ï»ñùçý³éç ÏáÕÙÇó ѳçáÕáõÃÛ³Ùµ ϳñ¹³óí»É : FAQs 1. How do I get my HSBC Mastercard contactless? HSBC Armenia automatically issues a contactless card when you apply for a Mastercard or your existing card expires. So all new and renewed HSBC Mastercards are issued with contactless technology. 2. How do I use my HSBC Mastercard contactless? a) Look for the contactless symbol at a shop, restaurant or other retail point. b) Inform the retailer that you want to pay contactless. The card will remain with you during the whole transaction period (you don t need to hand it to the salesperson). c) Tap your HSBC Mastercard contactless against the symbol. When paying for items with higher value than AMD12,100, you ll need to enter your PIN. d) A beep indicates that your card is successfully read by the terminal.

4 ²ñ¹Ûáù»ë å»±ïù í ³ñ»Ù ³ÝÑåáõÙ ï»ëýáéá Ç³Ý û ï³ áñí»éáõ ѳٳñ: àã, ³Ûë ͳé³ÛáõÃÛ³Ý Ñ³Ù³ñ Éñ³óáõóÇã ÙÇçÝáñ¹³í ³ñÝ»ñ ݳ˳ï»ëí³Í ã»ý: 4. ÆÝãå»±ë ϳñáÕ»Ù å³ñ½»éª ³ñ¹Ûáù ÇÙ HSBC Mastercard -Á ³ÝÑåáõÙ, û áã: ºÃ» áõù ï»ëýáõù»ù ³Ûë ï³ñµ»ñ³ýß³ýá Ò»ñ ù³ñïç íñ³, ³å³ ³ÛÝ ³ÝÑåáõÙ ï»ëýáéá dzÛáí : 5. ÆÝãå»±ë ϳñáÕ»Ù å³ñ½»é` ³ñ¹Ûáù í³ ³éùÇ Ï»ïÁ ϳ٠˳ÝáõÃÁ ÁݹáõÝáõÙ ³ÝÑåáõÙ í ³ñáõÙÝ»ñ: ò³ýï³ó³í í³ ³éùÇ Ï»ï, áñá óáõó³¹ñáõù ³Ûë ï³ñµ»ñ³ýß³ýá, ϳñáÕ ÁݹáõÝ»É ³ÝÑåáõÙ í ³ñáõÙÝ»ñ: 6. Ðݳñ³íá±ñ ³ñ¹Ûáù å³ï³ñ³µ³ñ û ï³ áñí»é ÇÙ ²ÝÑåáõÙ HSBC Mastercard -Á ï»ñùçý³éç ÏáÕùáí å³ñ½³å»ë ³ÝóÝ»ÉÇë: àã, ³ÝÑåáõÙ ãçåá å»ïù ß³ï Ùáï ÉÇÝÇ ï»ñùçý³éçý, áñí³ñù ϳï³ñ»Éáõ ѳٳñ ëáíáñ³µ³ñ ³ÝÑñ³Å»ßï ÉÇÝáõÙ ù³ñïáí ³ÝÝß³Ý ¹Çåã»É ï»ñùçý³éçý: 7. ÆÝãå»±ë ϳñáջ٠ѳÙá½í³Í ÉÇÝ»É, áñ áñí³ñùç ¹ÇÙ³ó»ñÏáõ ³Ý ³Ù ã»ù í ³ñÇ: î»ñùçý³éý»ñá å³ïñ³ëïí³í»ý ³ÛÝå»ë, áñ í ³ñáõÙÁ ϳï³ñ»Éáõó Ñ»ïá ³Ýç³ïíáõÙ»Ý: ²ÛÝå»ë áñ,»ã» áõù ÝáõÛÝÇëÏ ãñ»é³óý»ù Ò»ñ ù³ñïá ï»ñùçý³éçó, ÏñÏݳÏÇ ³ÝÓáõÙ ãç ϳï³ñíÇ: 8. ƱÝã ϳñáÕ»Ù ³Ý»É,»Ã» ã»ù ó³ýï³ýáõù ϳï³ñ»É ³ÝÑåáõÙ áñí³ñùý»ñ: ºÃ» áõù áõý»ù ²ÝÑåáõÙ HSBC Mastercard, ë³ï³ûý ã»ù ó³ýï³ýáõù ³ÝÑåáõÙ í ³ñáõÙÝ»ñ ϳï³ñ»É, ϳñáÕ»ù û ï³ áñí»é Ò»ñ ù³ñïá ëï³ý¹³ñï âçå PIN ï»ëýáéá dzÛáí: 9. ƱÝã ϳñáÕ»Ù ³Ý»É,»Ã» ³ÝÑåáõÙ áñí³ñùá ãç ѳçáÕíáõÙ Çñ³Ï³Ý³óÝ»É: ²Ûë ¹»åùáõÙ áõù ϳñáÕ»ù áñó»é Çñ³Ï³Ý³óÝ»É áñí³ñùá ëï³ý¹³ñï âçå PIN ï»ëýáéá dzÛáí: 10. ²ñ¹Ûáù ϳñá±Õ»Ù ³ÝÑåáõÙ ï»ëýáéá dzÛáí ϳÝËÇÏ áõù³ñ ëï³ý³é µ³ýïáù³ïçó: ²Ûá,»Ã» µ³ýïáù³ïý ³ß˳ïáõÙ ³ÝÑåáõÙ ï»ëýáéá dzÛáí: ²Ù»Ý ¹»åùáõÙ áõù ÙÇßï ϳñáÕ»ù áõù³ñ ϳÝËÇϳóÝ»É Ò»ñ ù³ñïçó ëï³ý¹³ñï âçå PIN ï»ëýáéá dzÛáí: 3. Do I have to pay for using contactless? No, there are no additional fees for this service. 4. How do I know if my HSBC Mastercard is contactless? If you see this symbol on your card it means it is with contactless technology. 5. How do I know if a retailer/shop accepts contactless payments? Any retailor who displays this symbol can accept contactless payments. 6. Couldn t I accidentally use my HSBC contactless card by walking past a terminal? No. The contactless chip needs to be very close to the terminal and generally a tap of the card above the terminal is required to make the payment. 7. How can I be sure that I don t get billed twice? The terminals are designed to turn off as soon as the payment is made. Therefore even if you do not take your card away from the terminal, it cannot be charged again. 8. What if I don t want to use contactless transactions? If you have a HSBC Mastercard Contactless but don t want to pay contactless you can still use your card with standard CHIP & PIN technology. 9. What should I do if a contactless transaction ends unsuccessfully? If this happens you can try the standard CHIP & PIN transaction. 10. Can I use contactless to get cash out at an ATM? Yes, if the ATM supports contactless technology. Anyway, you can always get cash out of an ATM with standard CHIP & PIN technology.

5 ²ñ¹Ûáù ϳñá±Õ»Ù ³ÝÑåáõÙ áñí³ñùý»ñ ϳï³ñ»É ³ñï³ë³ÑÙ³ÝáõÙ: ²Ûá, ϳñáÕ»ù û ï³ áñí»é Ò»ñ ²ÝÑåáõÙ HSBC Mastercard -Á ó³ýï³ó³í í³ûñáõù ³ÙµáÕç ³ß˳ñÑáõÙ, áñï»õ ï»ëýáõù»ù ³ÝÑåáõÙ áñí³ñùç ³Ûë ï³ñµ»ñ³ýß³ýá : ²ñï³ë³ÑÙ³ÝáõÙ ³é³Ýó PIN áñí³ñù ϳï³ñ»ÉÇë Ï áñíç ïíû³é»ñïñáõù ³ÝÑåáõÙ áñí³ñùç ѳٳñ ݳ˳ï»ëí³Í ³é³í»É³ áõûý ë³ñù³ý³ã³ Á: 11. Can I make contactless payments abroad? Yes, you can use your HSBC Mastercard contactless worldwide wherever you see the contactless symbol. When abroad, the country s maximum limit for contactless transactions will apply for transactions without PIN verification. 12. àñù³±ý ³å³Ñáí»Ý ²ÝÑåáõÙ HSBC Mastercard -áí Çñ³Ï³Ý³óí³Í áñí³ñùý»ñá: ²ÝÑåáõÙ áñí³ñùç Å³Ù³Ý³Ï û ï³ áñííáõ Ò»ñ ²ÝÑåáõÙ Mastercard -Ç ï»õ»ï³ïíáõãûáõýá å³ßïå³ýí³í ÝáõÛÝ ³å³Ñáí âçå PIN ï»ëýáéá dzÛáí, ÇÝãå»ë Ùݳó³Í Mastercard -»ñç ¹»åùáõÙ: ܳ áõù ϳñáÕ»ù ѳÙá½í³Í ÉÇÝ»É, áñ Ò»ñ ³ÝÑåáõÙ HSBC Mastercard -Á ãç û ï³ áñííç ï»ñùçý³éç ÏáÕùáí å³ñ½³å»ë ³ÝóÝ»ÉÇë, ù³ýç áñ áñí³ñù ϳï³ñ»Éáõ ѳٳñ ³ÛÝ å»ïù ß³ï Ùáï ÉÇÝÇ ï»ñùçý³éçý, ëáíáñ³µ³ñ ³ÝÑñ³Å»ßï ÉÇÝáõÙ ù³ñïáí ³ÝÝß³Ý ¹Çåã»É ï»ñùçý³éçý: 13. ºÃ»»ë ÇÙ ¹ñ³Ù³å³Ý³ÏáõÙ áõý»ù Ù»ÏÇó ³í»É ³ÝÑåáõÙ ù³ñï, á±ñá Ïû ï³ áñííç,»ã»»ë Ùáï»óݻ٠POS ï»ñùçý³éçý ÇÙ ¹ñ³Ù³å³Ý³ÏÁ: Ø»Ýù ËáñÑáõñ¹»Ýù ï³éçë ÙÇßï Ñ³Ý»É Ò»ñ ³ÝÑåáõÙ ù³ñïá ¹ñ³Ù³å³Ý³ÏÇó POS ï»ñùçý³éçý Ùáï»óÝ»Éáõ ѳٳñ: ØdzÛÝ ³Ûë Ï»ñå ϳñáÕ»ù ѳÙá½í³Í ÉÇÝ»É, áñ Çßï ³ÝÑåáõÙ ù³ñïý û ï³ áñííáõù ¹»µ»ï³ ñíáõù: ºÃ» POS ï»ñùçý³éçý ÙÇ³Å³Ù³Ý³Ï Ùáï»óí»Ý Ù»ÏÇó ³í»É ù³ñï»ñ, ³å³ Ýñ³ íñ³ ϳñï³óáÉíÇ Ùáï»óñ»ù ÙdzÛÝ Ù»Ï ù³ñï ѳÕáñ¹³ ñáõãûáõýá: 12. How secure are the transactions processed via HSBC Mastercard contactless? The information used from your Mastercard contactless during contactless transactions is protected with the same secure Chip and PIN technology as for other Mastercards. Also you can be sure that your HSBC contactless card won t be accidentally used by walking past a terminal as to make the payment, it should be very close to the terminal and generally a tap of the card above the terminal is required. 13. If I have more than one contactless card in my wallet, which one will be used if I tap my wallet to the POS terminal? We recommend always to take your contactless card out of your wallet to tap the POS terminal. This will make sure the right contactless card is used and debited. If more than one card is placed on the POS terminal present one card only message appears on the terminal. 14. ƱÝ㠳ݻÉ,»Ã» Ïáñóñ»É»Ù ÇÙ ²ÝÑåáõÙ HSBC Mastercard -Á, ϳ٠³ÛÝ áõ³ó»é»ý: ÜÙ³Ý ¹»åù»ñáõÙ áõù å»ïù ³Ýѳå³Õ ï»õ»ï³óý»ù ³ÝÏÇÝ Ï³Ù ²ñø³ åñáó»ëçý ³ÛÇÝ Ï»ÝïñáÝÇÝ: ø³ñïç ÏáñëïÇ Ù³ëÇÝ Ï³ñ»ÉÇ Ñ³Õáñ¹»É ó³ýï³ó³í»õ³ý³ïáí: ÊݹñáõÙ»Ýù Ç ÝϳïÇ áõý»ý³é, áñ áõß ï»õ»ï³óù³ý ³ñ¹ÛáõÝùáõ٠ϳñáÕ»ù ÏáñáõëïÝ»ñ Ïñ»É, ù³ýç áñ ÙÇÝã 12,100 ÐÐ ¹ñ³Ù áñí³ñùý»ñá ѳëï³ïíáõÙ»Ý ³é³Ýó PIN-Ç Ùáõïù³ ñù³ý: 14. What if my HSBC Mastercard contactless is lost or stolen? In such cases you should immediately report the occurrence to the Bank or ArCa Processing Centre. Loss may be reported by any means. Please note that late reporting could cause losses as transactions up to AMD12,100 are validated without PIN.

6 10 11 ø³ñïç ³ç³ÏóáõÃÛ³Ý Ï»ÝïñáÝÇ Ã»Å ÇÍ Credit Card Support Hotline î»õ³ï³ý ½³Ý»ñ` ØÇç³½ ³ÛÇÝ ½³Ý»ñ` ²ñø³ Ñ»é³ëå³ë³ñÏÙ³Ý Ï»ÝïñáÝ` ¼»Õͳñ³ñáõÃÛ³Ý ¹»åùáõ٠ûŠÇÍ` (³ß˳ï³Ýù³ÛÇÝ ûñ»ñçý ųÙÁ` ) For local calls: For International calls: ArCa Processing Centre: Fraud Hotline: (weekdays )

7 ºñ»ù å³ñ½ ù³ûé Three easy steps 1 êïáõ»ù Ò»ñ ÝáõÙÝ»ñÇ áõù³ñá ï»ñùçý³éç Ïñ³ÝÇÝ: Check your purchase amount on the terminal screen. 2 ²ÝÝß³Ý ¹Çåã»ù Ò»ñ ²ÝÑåáõÙ Mastercard -áí ï»ñùçý³éç ï³ñµ»ñ³ýß³ýáí ѳïí³ÍÇÝ: Slightly touch your Contactless Mastercard against the space with the icon. 3 ÎÑÝãÇ Ó³ÛݳÛÇÝ ³½¹³Ýß³Ý, ÏÙÇ³Ý³Ý Éáõë³ÛÇÝ óáõóçãý»ñá: Ò»ñ í ³ñáõÙÁ ϳï³ñí³Í : There will be an audio signal and light indicators will turn on. Your payment is approved Note. In case of discrepancies between the Armenian and English versions of this leaflet, the Armenian version shall prevail. Æñ³í³µ³Ýáñ»Ý ѳëï³ïí³Í г۳ëï³ÝÇ Ð³Ýñ³å»ïáõÃÛáõÝ, ºñ ³Ý 0009, î»ñû³ý áõáó 66 ¾Ûã-¾ë- Ç-êÇ ³ÝÏ Ð³Û³ëï³Ý ö À, áéáñ Çñ³íáõÝùÝ»ñÁ å³ñå³ýí³í»ý. àõåç Ù»ç ª ëïë³í 2017 Ã.-Ç ÑáõÉÇëÇ 3-Çó: Legal sign off 66 Teryan Street, Yerevan 0009, Republic of Armenia HSBC Bank Armenia CJSC, All Rights Reserved. Terms are effective from 03 July 2017.