Tariff of Charges. A guide to our Retail Banking. effective 01 August Call Click hsbc.co.mu

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1 A guide to our Retail Banking Tariff of Charges effective 01 August 2016 Call Click hsbc.co.mu Issued by The Hongkong and Shanghai Banking Corporation Limited

2 This guide lists the charges applicable to services offered by The Hongkong and Shanghai Banking Corporation Limited HSBC in Mauritius to retail banking customers, including Assetvantage customers, effective from 01 August Any subsequent change in fees and charges will be communicated by way of notice on our website, hsbc.co.mu and in all branches. HSBC is committed to delivering a good service to you. Should you have any suggestion on how we can better serve you, please contact us through the helpdesk on or via on 1

3 ACCOUNTS AND DEPOSITS Monthly fee N/A Rs 207 (Rs VAT) Current Account Minimum Account Opening Balance Rs 5,000 Rs 5,000 Monthly Service Charge Rs (Rs 30 + VAT) (If average monthly balance falls below Rs 15,000, else free) Savings Account Minimum Account Opening Balance / Balance to earn interest Rs 5,000 Rs 5,000 Monthly Service Charge Rs 25 (Rs VAT) (If monthly average credit balance on active accounts falls below Rs 5,000, else free) Time Deposit Account Minimum Balance Rs 50,000 Premature withdrawal of Term Deposit A penalty fee is applicable for premature uplift of deposit as per below: (Difference between current interest rate and deposit contract interest rate) x Deposit amount x (Remaining number of days before maturity / number of days in a year) Notes: Current interest rate refers to current deposit rate for period corresponding to remaining days until maturity. Penalty applicable at time of uplift will not represent more than 4% of the initial deposit amount, and will also not reduce the initial deposit amount. Foreign Currency Account EUR, GBP, USD, CAD, HKD Savings Account Minimum Balance / Balance to earn interest 5,000 10,000 Time Deposit Account Minimum Balance 10,000 25,000 Monthly Service Charge - Charged in relevant currency at applicable exchange rate Rs (Rs 50 + VAT) (If monthly average credit balance on active accounts falls below minimum balance) Commission charged for deposit and withdrawal of foreign currency notes 1% (mimimum Rs 150, maximum Rs 1,500) Notes: Charged in relevant currency at applicable exchange rate Deposit and withdrawal of foreign currency notes in the same curency as account Subject to availability of foreign currency notes and within regulatory limits applicable CNY 20% discount on commission (mimimum Rs 150, maximum Rs 1,500) ATM CARDS ATM Card Replacement of defective card Replacement of lost card Rs 115 (Rs VAT) Cash withdrawal on HSBC ATM network In Mauritius Overseas Rs 60 per transaction Cash withdrawal on VISA/PLUS ATM network (local and international) Rs 80 per transaction Rs 80 per transaction 2 CREDIT CARDS CLASSIC GOLD Annual fee Rs 230 (Rs VAT) Rs 920 (Rs VAT) Card replacement fee for lost card Rs 115 (Rs VAT) Rs 115 (Rs VAT) Courrier fee for cards sent abroad Rs 800 Rs 800 Cash advance fee 2% (minimum Rs 100, maximum Rs 2,000) 2% (minimum Rs 100, maximum Rs 2,000) Late payment fees Rs 200 Rs 200 Overlimit fees Rs 150 Rs 150 Statement Request fee Rs 25 per statement Free on Personal Rs 25 per statement Free on Personal

4 SERVICES Personal (PIB) PIB Service PIB Security Token Cheques Cheque Book 25 leaves Rs leaves Rs leaves Rs 400 Cheque return outward - Applied only in case of insufficient funds Rs 250 (per cheque) Rs 250 (per cheque) Office cheque issuance Rs 200 Rs 150 Special Clearance - Applicable for amount Rs 200,000 and above only Rs 200 Rs 200 Stop payment instructions Rs 125 Rs 125 Standing Instructions/Direct Debit Standing Instruction: Internal transfer Rs 10 Transfer to other banks Rs 25 Unpaid standing instruction due to lack of funds Rs 100 Rs 100 Direct Debit Rs 10 Unpaid Direct Debit due to lack of funds Rs 100 Rs 100 International Services International Group Encashment USD 20 Overseas account opening Personal account USD 200 Student account USD 100 Other Services Duplicate statement of account Requested by registered PIB customers Requested by non-registered PIB customers Rs 150 per statement Rs 100 per statement Duplicate of archived documents Search fee of Rs Rs 15 per page Certificate of balance Rs 300 Rs 300 Letter of reference Rs 300 Rs 300 On Demand internet Draft banking Demand draft issuance Rs250 ; Maximum amount of USD10,000 (Or foreign currency equivalent) Additional charge for demand draft issued in Singapore Dollar, Rs 150 Swiss Franc, Australian Dollar Demand draft stop payment request Rs 300 Rs 150 per cheque + overseas bank charges if any Clearing of foreign cheques TRANSFERS SAFE DEPOSIT LOCKERS Key deposit Equivalent to 1 year s rental (Fee is refundable upon surrender of key, and forfeited upon loss of key) Breakage fee Rs 6,000 Annual rental price* Type A - 48cm x 41cm x 40cm Rs 7,475 (Rs 6,500 + VAT) Type B - 48cm x 41cm x 19cm Rs 5,980 (Rs 5,200 + VAT) Type C - 48cm x 19cm x 19cm Rs 4,485 (Rs 3,900 + VAT) Type D - 48cm x 19cm x 9cm Rs 3,450 (Rs 3,000 + VAT) *Not on offer as new from 1 June 2016 TRANSFERS Inward Telegraphic Transfer Rs 150 Over the counter Outward (MACSS) - Local currency (MUR) Rs 100 Rs 75 Outward Telegraphic Transfer - Foreign currency (FCY) Rs 400* Rs 250 * Overseas charges, if any, will be applicable at costs. Note: A USD 30 charge is applicable whenever remitter wishes beneficiary to receive full amount transferred (for USD transfers only). 3

5 TRANSFERS LOANS AND ADVANCES All fees and charges applicable on loan facilities are fully disclosed in loan documents Over Base Lending the counter Rate (BLR) Check our website for latest rates. Over Base Key Repo Lending the counter Rate Rate (KRR) Check As per our Bank website of Mauritius for latest KRRrates. Loans Handling fees Loans secured by property (Home Loan, Education Loan, Personal Loan) Disbursement fee Registration fee Erasure fees Loans not secured by property (Personal Loan, Car Loan) 1% of loan amount (Minimum Rs 20,000, maximum Rs 100,000) : 20% discount on handling fees (Minimum Rs 20,000) 1% of loan amount (Minimum Rs 2,000, maximum Rs 10,000) : 20% discount on handling fees (Minimum Rs 2,000) Rs3,000 (as from second disbursement - applicable for loans secured by property) As levied by Registrar Office / National Transport Authority As levied by Registrar Office Early redemption fee As per facility offer letter Rescheduling 1% of loan amount (minimum Rs 1,000) Overdraft Handling fee Increases Unauthorised overdraft 1% of facility (minimum Rs 1,000) Rs 1,000 : 10% discount Penalty interest of 2% above overdraft pricing Guarantee* Other guarantees 2% p.a. (Minimum Rs 600, maximum Rs 2,000) Amendment fee Rs 500 *Not on offer as new from 1 August