The account opening process will only be completed once the application has been received and accepted by HSBC Bank (Singapore) Limited.

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1 Disclaimer Important information for clients maintaining assets in a country outside their primary country of residence Please read the following carefully as it contains important information governing any electronic communications, including attachments thereto, between you and HSBC Group and its affiliates. Unless specifically stated in the message or otherwise indicated, you may not duplicate, redistribute or forward this message or any portion thereof, including any attachments, by any means to any other person. Unless otherwise specifically indicated, the contents of any electronic communication (including , instant message, text messaging, etc.) and its attachments are for informational purposes only, and should not be regarded as an offer or solicitation to buy or sell a product or service. Electronic communications are not intended for distribution to, or use by, any person or entity in any location where such distribution or use would be contrary to law or regulation, or which would subject any HSBC affiliate to any registration requirement within such location. HSBC does not waive any intellectual property rights in any electronic communication. References to HSBC are references to any company in the HSBC group of companies. An electronic communication may relate to or be sent from other members of HSBC. Please note the following disclaimers which apply to all countries: This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The specific investment objectives, personal situation and particular needs of any person have not been taken into consideration. You should therefore not rely on it as an investment advice. Opinions and estimates expressed are subject to change without notice and HSBC Bank (Singapore) Limited expressly disclaims any and all liability for representations and warranties, express or implied, contained herein, or for omissions. The value of investments and units may go down and up, and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. Before you make any investment decision, you may wish to consult a financial adviser. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether the product is suitable for you. All applications are subject to acceptance by HSBC Bank (Singapore) Limited. The account opening process will only be completed once the application has been received and accepted by HSBC Bank (Singapore) Limited.

2 Please note the following country-specific disclaimers: Country ARGENTINA BRAZIL CANADA CHINA EGYPT HONG KONG INDIA INDONESIA Description This information has been provided following your request. This message is intended for the addressee only and does not constitute a public offering. Please note: i. contracts and forms signed in Canada are not valid until accepted and approved by HSBC Bank (Singapore) Limited outside of Canada; ii. acceptance and approval will be communicated by post (subject to the standard correspondence instructions); and iii. Any oral agreements will be conclusively binding upon written acceptance by HSBC Bank (Singapore) Limited outside of Canada, a confirmation of which will be sent by post (subject to the standard correspondence instructions). Please note: that these documents and forms were sent at your own request. Once the application has been approved, the contract will only be concluded upon acceptance outside of China. The securities or other investment products discussed in the enclosed materials are not being listed on the Egyptian Stock Exchange ( EGX ) or offered or sold to the public in Egypt and they have not been and will not be registered with the Egyptian Financial Supervisory Authority ( EFSA ). No offer, sale or delivery of such securities or other investment product, or distribution of any prospectus relating thereto, may be made in or from Egypt except in compliance with any applicable Egyptian laws and regulations. The securities may not be offered or sold in any form of general solicitation or general advertising or in a public offering in Egypt, without the prior approval of the EFSA. Please note, this bank documentation does not constitute an offer by HSBC Bank (Singapore) Limited and a contract will only be concluded by HSBC Bank (Singapore) Limited s acceptance of your application and (where relevant) your signed documents in the territory of Singapore. Please note: this communication is made upon the your specific request; you were not solicited with respect to the product mentioned in this communication; and It is up to you to make a decision whether to act upon it or not. Please note that the Bank is not licensed for any financial business activities in Indonesia and, therefore, is not allowed to conduct any banking/securities business in Indonesia. This transaction was made upon your specific request and you were not solicited to take this action.

3 JAPAN KUWAIT MALAYSIA MEXICO PERU PORTUGAL RUSSIA THAILAND Please note that the Bank is not licensed for any financial business activities in Japan and, therefore, is not allowed to conduct any banking/securities business in Japan. This transaction was made upon your specific request and you were not solicited to take this action. The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in (insert Booking Centre name) is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee s country of residence. This material is not an offering or invitation to subscribe for any securities and is provided solely as a record of a transaction that was completed outside of your jurisdiction. This message is intended for the addressee only and does not constitute a public offering. HSBC Bank (Singapore) Limited is not under the supervision of a Peruvian regulator when providing information or marketing material on its products / services to the Customer / Prospect (even in cases where no means of public advertisement is used). Please note all services and products are provided by HSBC Bank (Singapore) Limited from Singapore. This message is intended for the addressee only and does not constitute a public offering or advertisement. This communication is made following your specific request and initiation without any prior solicitation with respect to the information provided and is for your information only. This communication is not intended to be distributed to the general public or to any particular members of the public in Thailand and the provision of information contained in or in connection with this communication shall not in any manner whatsoever: a. constitute an offer by HSBC Bank (Singapore) Limited to make available, solicit, issue an invitation to purchase or offer for purchase any securities or offer any services in Thailand, and none of the information or documents is intended to do so nor is any document intended to be a prospectus; b. be construed as a recommendation by HSBC Bank (Singapore) Limited as the providing of any advice concerning securities or any plan to meet your financial needs and objectives, including any investment plan in securities and is not intended to provide the basis for any investment decision, nor to substitute your own analysis and investigation, and should not be considered as a recommendation to any recipient of the information;

4 You should make your own research of the relevant terms in the material and it is up to you to make a decision whether to act upon it or not. You should form your own views of the merits of such a decision based upon such investigations and not rely solely upon any information given in this material. Furthermore, you are advised to consult your own professional advisors (whether financial, legal or otherwise) in respect to any decision you may wish to make. Once the specific request has been made by you, HSBC Bank (Singapore) Limited will, subject to the applicable law, be subject to discuss such developments and opportunities, and answer your questions regarding general materials which you have demanded and received. You are not authorized to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in Thailand. TURKEY No information in this document is provided for the purpose of offering, marketing and sale by any means of any banking services and/or capital market instruments /services in the Republic of Turkey. Therefore, this document may not be considered as an offer made or to be made to residents of the Republic of Turkey. The products and services referred to in this document are not products or services authorised/approved by the Banking Regulation and Supervision Agency under the Banking Law (Law No. 5411) or by the Capital Market Board under the Capital Market Law (Law No. 6362) and do not intend to serve as products /services in the Republic of Turkey. Accordingly, neither this document nor any other offering material related to the offering may be utilised in connection with any offering to the public within the Republic of Turkey without the prior approval of the Capital Market Board. However, pursuant to Article 15 (d) (ii) of the Decree No. 32 there is no restriction on the purchase or sale of any banking services and/or capital market instruments /services by residents of the Republic of Turkey, provided that: they purchase or sell the same in the financial markets outside of the Republic of Turkey. The investment information, comments and recommendations we may provide to you are not within the scope of investment advice. Such recommendations are of a general nature, and are not prepared in accordance with your financial status and risk and income preferences. Therefore, taking investment decisions based only on the information stated herein may not give any results meeting your expectations. UK The deposit is being taken by HSBC Bank (Singapore) Limited, registered/incorporated in Singapore, and whose principal place of business is Singapore. HSBC Bank (Singapore) Limited is regulated for any deposit taking business by Monetary Authority of Singapore. If you have a complaint about our deposit taking business, which cannot be resolved to your satisfaction by ourselves, then you may be able to refer this to The Financial Industry Disputes Resolution Centre Ltd (FIDReC), Singapore. Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

5 HSBC Bank (Singapore) Limited has paid up capital and reserves of S$23.47 million as at 31 December VENEZUELA For Mortgage Products: You will not have the benefit of the protection and remedies that would be available to you under the Financial Services and Markets Act 2000 or the Consumer Credit Act 1974 if this agreement were a regulated agreement under those Acts You understand that this declaration does not affect the powers of the court to make an order under section 140B of the Consumer Credit Act 1974 in relation to a credit agreement where it determines that the relationship between the lender and the borrower is unfair to the borrower If you are a UK tax resident, then the location of the bank you are borrowing from and your individual circumstances may lead to a requirement to pay up to an additional 20% withholding tax to HMRC in addition to any interest payments to the overseas lender for your mortgage There may however be relief available from the withholding tax - you should seek advice from an independent tax adviser to ensure you understand any tax obligations and potential withholding tax relief available If there is tax payable, you are responsible for paying the tax to HMRC, not the overseas lender If there is a tax payable, this would make the cost of your loan higher than it appears in your loan statement/ documentation Please note, this message is intended for the addressee only and does not constitute a public offering or solicitation of goods by HSBC Bank (Singapore) Limited