Promotional Terms and Conditions General Terms and Conditions: 1. The promotional period of the programme (the Programme ) is from 3 March 2017 to 31

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1 Promotional Terms and Conditions General Terms and Conditions: 1. The promotional period of the programme (the Programme ) is from 3 March 2017 to 31 May 2017 (both dates inclusive) (the Promotional Period ) (unless otherwise specified below). The Hongkong and Shanghai Banking Corporation Limited in the Hong Kong Special Administrative Region ( Hong Kong ) (and its successors and assigns) ( HSBC or the Bank ) reserves the right to change the Promotional Period at its discretion without prior notice. 2. The offers under this promotion (collectively, the Offers ) are exclusive to personal customers who are the sole or principal accountholders of any HSBC accounts (the Applicable Accounts )(the Customers ) and fulfill the following requirements (the Eligible Customers ): (a) not a citizen/ resident/ tax payer resident of the United States of America; AND (b) be aged 18 or above on 28 February 2017; AND (c) have a valid Hong Kong correspondence address under the Bank s record; AND (d) successfully complete the registration for the Programme by completing and submitting the registration form (the Registration Form ) once at the Promotional Site ( during the Promotional Period (the Registered Customers ); AND (e) fulfill the relevant requirements mentioned in the specific terms and conditions below. 3. For a joint account, only the principal accountholder is eligible for the Offers. 4. To be eligible for all the Offers under this Programme, Eligible Customers have to maintain HSBC Internet Banking and estatement and eadvice Service at the time of offer fulfilment. 5. Eligible Customers who cancel the designated product(s)/service(s) or terminate their Applicable Accounts through which the designated transaction(s) was/were conducted at the time of offer fulfilment will be disqualified for the Offers. 6. The dates and amounts appearing in the Bank s record will be conclusive as to the date on which the amount of balance or number of transactions carried out. 7. A reference number will be provided once the Registration Form is submitted successfully. Please keep the reference number for future enquiries. 8. A Registered Customer s personal information under the Bank s record must be updated and valid during the whole or the relevant part (as the case may be) of the Promotional Period and at the time of offer fulfilment in order for the Registered Customer to be entitled to the Offers. 9. The Bank will not be liable to any Customer who fails to submit his/her personal information for the Programme including but not limited to as a result of any technical problems or other reasons rendering unsuccessful connection to the Registration Form. The date appearing in the Bank s record will be final and conclusive as to the date on which the submission was carried out. 10. Each Customer agrees that he/she shall enter the Programme at his/her own risk and shall be responsible for all risks of participating in the Programme. The Bank shall not be liable for any damages, losses, claims, costs or proceedings incurred or suffered by the Customers as a result of their participation. 11. The Customer s personal data collected via the Registration Form will only be used for the Programme. The data may be used by the Bank: (i) to verify the identity of Customer; and (ii) to verify the Customer s eligibility for the Programme; and (iii) to contact the Customer when he/she is entitled to receive the Offer(s). The Bank will only retain the collected data for one year. 12. All personal data collected by the Bank will be handled in accordance with the Bank s privacy policy ( The personal data collected (except address and mobile phone number provided by Customers via HSBC Internet Banking) will not be used to update the Bank s record. 13. The Bank has the sole and absolute discretion in determining a Customer s eligibility to receive the Offer(s). If the Bank discovers at any time, whether after or during the Promotional Period, that any Registered Customer

2 has submitted false or misleading information or failed to comply with these terms and conditions, the Bank is entitled to disqualify the Registered Customer from participating in the Programme and receiving the Offer(s). 14. If the Bank reasonably believes that any Customer has been using or abetting others to use inappropriate method or committing fraud to interrupt operation and interfere any part of the Programme, causing technical problems, disorders, jeopardizing, damaging or affecting running of the Programme, its accuracy, fairness or smooth operation or the Bank detects any invalid or incomplete data entry at the back-end or front-end, the Bank reserves all right to disqualify the Customer from participating in the Programme and claim for any damage and loss arising from or in connection with any of the above suffered by the Bank from such Customer. 15. Each Eligible Customer who is entitled to enjoy the Offers under this Programme and other offers under concurrent programmes or promotions (including offers made available under a Direct Mailer programme), run by the Bank in respect of HSBC Internet Banking and HSBC Mobile Banking ( HSBC digital banking ), will only receive ONE offer that is of the highest value to him/her at the Bank s discretion. 16. No person other than the Eligible Customer and the Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions. 17. In the event of any dispute arising from the Programme and/or any Offers, the decision of the Bank shall be final and conclusive. 18. The Bank reserves the right to change these terms and conditions at any time without prior notice and the Programme and/or the Offers may be withdrawn or terminated by the Bank at its discretion without prior notice. The Bank accepts no liability for any such change, withdrawal and termination. 19. All remarks and footnotes stated in this document and other relevant promotional materials are intended to serve, and do serve, as part of the Programme and/or the terms and conditions of the Offers. If there is any conflict between the information contained in the remarks and footnotes and these terms and conditions, these terms and conditions shall apply and prevail. 20. The Programme and the Offers are provided subject to the prevailing regulatory requirements. 21. The Programme is held within Hong Kong. These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong and each participant submits to the exclusive jurisdiction of the courts of Hong Kong. 22. In the event of any discrepancy or inconsistency between the Chinese and English versions of these terms and conditions, the English version shall apply and prevail. Specific Terms and Conditions for the Weekly Lucky Draw 1. The Weekly Lucky Draw is exclusive to any Eligible Customer who successfully takes up any designated product / service with a specified transaction amount (if applicable) under the Categories (as specified in Clause 9 below) via an Applicable Account through HSBC digital banking during the Promotional Period (each an Eligible Transaction ). 2. One Weekly Lucky Draw chance will be granted for each Eligible Transaction under the Categories subject to the maximum number of Weekly Lucky Draw chance(s) mentioned in Clause 9 below (if applicable). i. To be eligible for the Weekly Lucky Draw, the completion of any Eligible Transaction as stipulated in Clause 9 below via HSBC digital banking must take place at or before 11.59pm on every Wednesday of each week during the Promotional Period (the Cut-off Time ), i.e. 8 March 2017, 15 March 2017, 22 March 2017, 29 March 2019, 5 April 2017, 12 April 2017, 19 April 2017, 26 April 2017, 3 May 2017, 10 May 2017, 17 May 2017, 24 May 2017 and 31 May ii. HKD20,000 worth of supermarket coupons (the Weekly Lucky Draw Prize ) will be given out to ONE (1) winner each week throughout the Promotional Period (the Weekly Lucky Draw Winner ). A total of 13 Weekly Lucky Draw Winners will be drawn randomly by the computer at the end of the Promotional Period and each such winner can receive a maximum of THIRTEEN (13) Weekly Lucky Draw Prizes (i.e. supermarket coupons worth a total of HKD260,000) under this Programme.

3 3. The Weekly Lucky Draw Winners will be notified by the Redemption Letter which will be mailed on or before 31 August 2017 to each winner s local correspondence address based on the Bank s record at the time of offer fulfillment. 4. The Weekly Lucky Draw Prizes and the Redemption Letter are not replaceable in the event of any loss or damage, including without limitation in any loss in transit after being mailed out by the Bank. 5. Each Weekly Lucky Draw Winner who receives the Redemption Letter is required to redeem the prize according to the instructions stated in the Redemption Letter or otherwise the prize will be deemed to be forfeited. 6. The Weekly Lucky Draw Prizes are available while stocks last. The Bank reserves the right to replace the Weekly Lucky Draw Prizes with any alternative gifts without prior notice. 7. The Weekly Lucky Draw Prizes (or any alternative gifts) offered under this promotion cannot be converted to cash. 8. Use of the Weekly Lucky Draw Prizes (or any alternative gifts) may be subject to the suppliers terms and conditions applicable thereto. The Bank is not responsible for and shall have no liability in respect of the quality of goods and services provided by the suppliers of the Weekly Lucky Draw Prizes (or any alternative gifts) in this promotion. 9. The table below sets out the requirements for the Eligible Transactions: Category of Eligible Transaction * (the "Category(ies)") Detailed requirement(s) for each Eligible Transaction * a) Fund Transfer Transfer to an HSBC account of a third party or a non-hsbc account with a single transaction amount of at least HKD800 successfully posted in the designated account; OR Transfer to an HSBC Internet Banking customer s account or Hang Seng Personal e-banking customer s account via HSBC Easy Pay^ (with effect from 12 March 2017, the maximum transfer limit will be increased from HKD3,000 in 2 consecutive days to HKD5,000 per day) with the transfer amount successfully posted in the designated account b) Bill Payments Settle any bill with a single transaction amount of at least HKD800 successfully posted in the designated merchant s account c) estatement and eadvice Service Register for estatement and eadvice Service and Eligible Customer has to: i. Be a non-user for estatement and eadvice Service as of 28 February 2017; AND ii. Maintain estatement and eadvice Service for all his/her Enabled Accounts at the time of offer fulfilment under this Category for the entire Promotional Period. d) Personal Contact Provide address and/or mobile phone number via HSBC Internet Banking Information and Eligible Customer has to: i. Not have maintained an address or mobile phone number with the Bank as of 28 February 2017; AND ii. Maintain the updated and valid address and/or mobile phone number at the time of offer fulfilment under this Category for the entire Promotional Period.

4 e) Risk Profiling Questionnaire (the "RPQ") Complete a RPQ under this Category for the entire Promotional Period. f) e-cheque Deposit Deposit an e-cheque into a self-named Applicable Account with a single transaction amount of at least HKD800 successfully posted in the designated account g) Investment Account Successfully open a new Integrated Financial Services investment account (the Investment Account ) and Eligible Customer has to: i. Be the sole / principal accountholder of the newly opened Investment Account; AND ii. Maintain the newly opened Investment Account at the time of offer fulfilment h) Integrated Account under this Category for the entire Promotional Period. Successfully open a new HSBC Premier account, a new HSBC Advance account or a new Personal Integrated Account (each of these accounts is referred to as the "Integrated Account") / upgrade an existing Integrated Account to HSBC Premier account or HSBC Advance account. Eligible Customer has to: i. Be the sole / principal accountholder of the newly opened / upgraded Integrated Account; AND ii. Be a non-sole / non-principal / non-joint accountholder of the type of Integrated Account to be opened/upgraded under this promotion at the time of account opening of the new / upgraded Integrated Account or during the period between 1 June 2016 and 28 February 2017, and has not converted an HSBC Premier account into other Integrated Account or an HSBC Advance account into a Personal Integrated Account during the aforesaid period; AND iii. Maintain the newly opened / upgraded Integrated Account at the time of offer fulfilment under this Category for the entire Promotional Period. i) Time Deposits Set up a new foreign currency time deposit (exclude USD); OR Set up a new HKD time deposit with a new fund of at least HKD50,000 which is calculated based on the difference in Customer s Total Relationship Balance ( TRB ) between February 2017 and June 2017 j) Foreign Exchange Buy or sell foreign currencies (exclude exchange between HKD and USD) using any of the following services: i. 24-Hour Currency Exchange Service ** ii. Set up new instructions using the FX Switching Service/Renminbi Switching Service and successfully execute the foreign currency exchange transaction iii. Place new orders using FX Order Watch Trading Services + and successfully execute the foreign currency exchange transaction iv. Global Transfer ++ k) Securities Successfully buy or sell HK stocks, US stocks or China A shares (including Initial Public Offering (if applicable and with successful share allocation) and excluding Stocks Monthly Investment Plan)

5 l) Bonds/CD Successfully buy Bonds / CDs (including Initial Public Offering (if applicable and with successful share allocation)) m) Deposit Plus/ Structured Investment Deposits ±± Place a Deposit Plus / Structured Investment Deposits, including Capital Protected Investment Deposits ±± (applicable to deposit amount) n) Unit Trusts Successfully subscribe Lump-sum Unit Trusts (excluding redemption and switching of Unit Trusts) o) General Insurance ± Apply with successful approval for any one of the following general insurances ± available at the Bank: i. TravelSurance ii. HomeSurance iii. HospitalSurance iv. Accident Insurance (Exclude Plan 1 for "Self" only) v. HelperSurance vi. FireSurance p) Cards Apply with successful approval for any one of the following HSBC Credit Cards (applicant must be the primary accountholder): i. HSBC Premier MasterCard Credit Card ii. HSBC Advance Visa Platinum Card iii. HSBC Visa Signature Card iv. HSBC Visa Platinum Card v. HSBC UnionPay Dual Currency Diamond Credit Card vi. HSBC UnionPay Dual Currency Credit Card vii. HSBC Visa Gold Card q) Loans/ Credit Card Cash Instalment Plan/ Credit Card Spending Instalment Plan r) HSBC HK Mobile Banking app Apply with successful drawdown for one of the following products: i. HSBC's Personal Instalment Loan ; OR ii. HSBC's Revolving Credit Facility ; OR Successfully redraw the repaid principal of HSBC s Personal Instalment Loan; (Each Registered Customer can get a maximum of THREE Weekly Lucky Draw chances under this Category for the entire Promotional Period.) OR Successfully apply for Credit Card Cash Instalment Plan with approval; OR Successfully apply for Credit Card Spending Instalment Plan with approval Every successful logon to HSBC HK Mobile Banking app HSBC HK under this Category per day and THIRTEEN Weekly Lucky Draw chances under this Category for the entire Promotional Period. *Eligible Transactions are determined at the sole discretion of the Bank. ^To send money via HSBC Easy Pay, the customer has to (1) be the sole or 'either-to-sign' joint accountholder of at least one of the following HSBC accounts: HSBC Premier HKD Account, HSBC Advance HKD Account, Personal Integrated HKD Account, HKD Statement Savings Account, HKD Passbook Savings Account, HKD Current Account, Super Ease Account, University Student Account, Cash Card account or Revolving credit facility account; AND (2) be an existing HSBC Personal Internet Banking customer who maintains his/her latest valid mobile number and address with HSBC Currency exchange rate refers to the prevailing rate quoted by the Bank at the time of exchange.

6 ** The service (except USD/CombiNation Passbook Savings accounts) operates from Monday 5.00am to Saturday 4.59am and Saturday from 8.00am to 4.30pm. USD/CombiNation Passbook Savings accounts operate from Monday to Friday from 8.00am to 7.00pm and Saturday from 8.00am to 4.30pm. The service hours are not available when a Black Rainstorm is issued or the Typhoon No.8 signal or above is hoisted. 11 major currencies include Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Singapore Dollar, Swiss Franc, Thai Baht, US Dollar and Renminbi. + FX Order Watch Trading Services is exclusively provided to HSBC Premier and HSBC Advance customers only and applicable to integrated accounts, HKD/FCY Statement Savings Accounts and HKD Current Account only, except Multiple Currencies Savings accounts or HK Dollar Passbook Savings accounts. Please note the weekly Foreign Exchange Offer is not applicable to exchange transactions done via the FX Order Watch Trading Services. Trading hours of the service are from 5am Monday HKT to 4am Saturday HKT during summer time (US daylight saving), and from 5am Monday HKT to 5am Saturday HKT during winter time (non-us daylight saving). ++ The usage of Global Transfers Service is free-of-charge and is exclusively provided to HSBC Premier customers only. ±± At HSBC Internet Banking, Capital Protected Investment Deposit is exclusively provided to HSBC Premier customers. ± Eligible Customer who takes up the General Insurance Plan(s) (the Plan(s) ) must be the applicant of the Plan(s) and one of the insured(s) and maintain the Plan(s) in full force and effect at the time of offer fulfilment and shall not cancel the policy during the cooling-off period (except for TravelSurance-Single Trip policy that lapses due to the end of the Period of Insurance). Applicant means a person who makes/submits an application. For internet application, it means the person specified under "Applicant's Personal Details"/ Policyholder Details section of the online application form. Only completed application(s) submitted via HSBC Internet Banking and/or HSBC Mobile Banking will be eligible for this promotion. Application form(s) printed from HSBC Internet Banking or HSBC website, application(s) completed or submitted via HSBC PhoneBanking or other channels or application(s) with only supporting document(s) submitted through HSBC Internet Banking and/or HSBC Mobile Banking are not eligible for this promotion. To borrow or not to borrow? Borrow only if you can repay. 10. For any Eligible Transactions under the Categories of General Insurance, Cards and Loans/Credit Card Cash Instalment Plan/Credit Card Spending Instalment Plan as stipulated above, the application date will be used to determine if the Eligible Transaction was conducted during the Promotional Period. 11. For the avoidance of doubt, the General Terms and Conditions above are also applicable to the Weekly Lucky Draw. Specific Terms and Conditions for special offer (the Special Offer ) 1. The Special Offer is exclusive to any Eligible Customer who: (a) is specifically addressed by this electronic promotion material; AND (b) becomes a Registered Customer on or before 31 May 2017; AND (c) successfully completed the transaction(s) as specified in Clause 2 below through an Applicable Account via HSBC digital banking during the period(s) as specified in this electronic promotion material (the Specified Period(s) ). 2. Each Eligible Customer, who successfully logons to HSBC digital banking and completes the designated transaction(s) as specified in the table below (the Designated Transaction(s) ) through an Applicable Account via HSBC digital banking during the Specified Period(s), will receive the following cash coupon(s) (the Coupon(s) ): (a) A HKD50 Coupon for successful logon to HSBC digital banking; AND (b) A HKD50 Coupon for completion of any one Designated Transaction; OR (c) HKD100 worth of Coupons for completion of at least one Designated Transaction from each of the two categories below.

7 Category of the Designated Transactions* Fund Transfer Detailed requirement(s) for each Designated Transaction* Transfer to an HSBC account of a third party or a non-hsbc account with a single transaction amount of at least HKD800 successfully posted in the designated account; OR Transfer to an HSBC Internet Banking customer s account or Hang Seng Personal e-banking customer s account via HSBC Easy Pay^ (with effect from 12 March 2017, the maximum transfer limit will be increased from HKD3,000 in 2 consecutive days to HKD5,000 per day) with the transfer amount successfully posted in the designated account Bill Payments Settle any bill with a single transaction amount of at least HKD800 successfully posted in the designated merchant s account *Designated Transactions are determined at the sole discretion of the Bank. ^To send money via HSBC Easy Pay, the customer has to (1) be the sole or 'either-to-sign' joint accountholder of at least one of the following HSBC accounts: HSBC Premier HKD Account, HSBC Advance HKD Account, Personal Integrated HKD Account, HKD Statement Savings Account, HKD Passbook Savings Account, HKD Current Account, Super Ease Account, University Student Account, Cash Card account or Revolving credit facility account; AND (2) be an existing HSBC Personal Internet Banking customer who maintains his/her latest valid mobile number and address with HSBC 3. Each Eligible Customer can receive a HKD50 Coupon (upon successful logon to HSBC digital banking) and either a HKD50 Coupon (upon completing any one Designated Transaction) or HKD100 worth of Coupons (upon completing at least one Designated Transaction from each of the two categories), subject to a maximum of HKD150 worth of Coupons under the Special Offer. 4. The Coupon(s) will be mailed on or before 31 August 2017 to an Eligible Customer s local correspondence address based on the Bank s record at the time of offer fulfillment. 5. The Coupons are not replaceable in the event of any loss or damage, including without limitation in any loss in transit after being mailed out by the Bank. 6. The Coupons are available while stocks last. The Bank reserves the right to replace the Coupons with any alternative gifts without prior notice. 7. The Coupons (or any alternative gifts) offered under this promotion cannot be converted to cash. 8. Use of the Coupons (or any alternative gifts) may be subject to the suppliers terms and conditions applicable thereto. The Bank is not responsible for and shall have no liability in respect of the quality of products and services provided by the suppliers of the Coupons (or any alternative gifts) in this promotion. 9. For the avoidance of doubt, the General Terms and Conditions above are also applicable to the Special Offer.

8 Important Risk Warning 1. Some of the investment products are structured products which may involve derivatives. The investment decision is yours but you should not invest unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. 2. Unit Trusts, Bonds, Certificates of Deposit (CDs), structured products (including Structured Notes, Deposit Plus, Structured Investment Deposits and Capital Protected Investment Deposits) are NOT equivalent to time deposits. Unit Trusts are investment products and some may involve derivatives. 3. The price of securities may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities. 4. In the worst case scenario, the value of the funds may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing). 5. Issuer s Risk Bonds, CDs and structured products are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (e.g. insolvency of the issuer), you might not be able to recover the principal and interest / coupon, if applicable, and the potential maximum loss could be 100% of invested amount and no interest / coupon received. 6. Investors should not make investment decisions based on this material alone. 7. Investment involves risks. Past performance of investment products is no guide to future performance. For details of the investment product, the related fees and charges and risk factors, please refer to the individual product materials and/or offering materials. 8. Currency conversion risk the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than that exchange rate in which you made your original conversion to foreign currency and RMB, you may suffer loss in principal. 9. RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realisation costs and may suffer losses accordingly. 10. Additional risks are disclosed in the Risk Disclosure section. Please refer to Risk Disclosure section for details. Structured Investment Deposits, Deposit Plus, Capital Protected Investment Deposits and CDs are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Deposit Plus is NOT principal protected. The information in this document does not constitute a solicitation for making any deposit or investment in any products referred to herein. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. This material has not been reviewed by the Securities and Futures Commission of Hong Kong. Risk Disclosure Unit Trusts 1. Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc) may also involve a higher degree of risk and are usually more sensitive to price movements. 2. Credit Risk/Interest Rate Risk - a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities. 3. Counterparty Risk - a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognized exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organized exchanges, such as the performance guarantee of an exchange clearing house. A fund will be

9 subject to the possibility of insolvency, bankruptcy or default of a counterparty with which a fund trades such instruments, which could result in substantial loss to a fund. Bonds/CDs 1. Bonds and CD are mainly for medium to long term investment, not for short term speculation. You should be prepared to invest your funds in bonds/cd for the full investment tenor; you could lose part or all of your investment if you choose to sell bonds/cd prior to maturity. 2. It is the responsibility of the issuer to pay interest and repay the principal of bonds/cd. If the issuer defaults, the holder of bonds/cd may not be able to receive back the interest and principal. The holder of bonds/cd bears the credit risk of the issuer and has no recourse against HSBC unless HSBC is the issuer itself. 3. Indicative prices of bonds/cd are available and bond/cd prices do fluctuate when the market changes. Factors affecting the market price of bonds/cd include, and are not limited to, fluctuations in Interest Rates, Credit Spreads, and Liquidity Premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds/cd. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds/cd. 4. If you wish to sell Bonds/CDs, HSBC may repurchase the same based on the prevailing market price under normal market circumstances, but the selling price may differ from the original buying price due to changes in market conditions. 5. There may be exchange rate risks if you choose to convert payments made on bonds to your home currency. 6. The secondary market for bonds/cd may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of holders of bonds/cd. 7. If bonds/cd are redeemed early, you may not be able to enjoy the same rates of return when you re-invest the funds in other investments. Renminbi Related Products 1. There may be exchange rate risks if you choose to convert RMB payments made on the bonds to your home currency. 2. RMB debt instruments are subject to interest rate fluctuations, which may adversely affect the return and performance of the RMB products. 3. RMB products may suffer significant losses in liquidating the underlying investments if such investments do not have an active secondary market and their prices have large bid/ offer spreads. 4. You could lose part or all of your investment if you choose to sell your RMB bonds prior to maturity. Deposit Plus 1. Not a time deposit - Deposit Plus is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. 2. Derivatives risk - Deposit Plus is embedded with FX option(s). Option transactions involve risks, especially when selling an option. Although the premium received from selling an option is fixed, you may sustain a loss well in excess of such premium amount, and your loss could be substantial. 3. Limited potential gain - The maximum potential gain is limited to the interest on the deposit. 4. Maximum potential loss - Deposit Plus is not principal protected. You must be prepared to incur loss as a result of depreciation in the value of the currency paid (if the deposit is converted to the linked currency at maturity). Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit. 5. Not the same as buying the linked currency - Investing in Deposit Plus is not the same as buying the linked currency directly. 6. Market risk - The net return of Deposit Plus will depend upon the exchange rate of the deposit currency against the linked currency prevailing at the deposit fixing time on the deposit fixing date. Movements in exchange rates can be unpredictable, sudden and drastic, and affected by complex political and economic factors.

10 7. Liquidity risk - Deposit Plus is designed to be held until maturity. You do not have a right to request early termination of this product before maturity. Under special circumstances, the Bank has the right to accept your early redemption request at its sole discretion and on a case by case basis. The Bank will provide an indication of the redemption price upon such request. Your return upon such early redemption will likely be lower than that if the deposit were held until maturity and may be negative. 8. Credit risk of the Bank - Deposit Plus is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount. 9. Currency risk - If the deposit currency and/or linked currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations. 10. Risks relating to RMB - You should note that the value of RMB against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between RMB and foreign currencies), which may adversely affect your return under this product. The value of your investment will be subject to the risk of exchange rate fluctuation. In case you receive RMB as Linked Currency at maturity and you choose to convert your maturity proceed to other currencies, you may suffer loss in principal. This product will be denominated (if Deposit Currency being RMB) and settled (when receive RMB at maturity) in RMB deliverable in Hong Kong, which is different from that of RMB deliverable in Mainland China. Capital Protected Investment Deposit 1. Not a time deposit - Currency Linked III is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. 2. Derivatives risk - Currency Linked III is embedded with FX option(s). Option transactions involve risks. If the exchange rate of the currency pair performs against expectation at the fixing time on the fixing date, you can only earn the minimum payout of the structure. 3. Limited potential gain - The maximum potential gain is limited to higher payout on the deposit less the principal amount, when exchange rate of currency pair at fixing moves in line with your anticipated direction. 4. Not the same as buying the linked currency - Investing in Currency Linked III is not the same as buying the linked currency directly. 5. Market risk - The return of Currency Linked III will depend upon the exchange rates of currency pair against trigger rate at the fixing time on the fixing date. Movements in exchange rates can be unpredictable, sudden and drastic, and affected by complex political and economic factors. You must be prepared to take the risk of earning the lower payout/no return (if exchange rate performs against expectation) on the money invested. 6. Liquidity risk - Currency Linked III is designed to be held until maturity. You do not have a right to request early termination of this product before maturity. Under special circumstances, the Bank has the right to accept your early redemption request at its sole discretion and on a case by case basis. The Bank will provide an indication of the redemption price upon such request. Your return upon such early redemption will likely be lower than that if the deposit were held until maturity and may be negative. 7. Credit risk of the Bank - Currency Linked III is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount. 8. Currency risk - If the deposit currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations. 9. Risk of early termination by the Bank - The Bank shall have the discretion to uplift a Deposit or any part thereof prior to the Maturity Date (subject to the deduction of such break costs or the addition of such proportion of the return or redemption amount, which may result in a figure less than the original principal amount of the Deposit) if it determines, in its sole discretion, that this is necessary or appropriate to protect any right of the Bank to combine accounts or set-off, or any security interest, or to protect the Customer's interests.

11 10. Risks relating to RMB - You should note that the value of RMB against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between RMB and foreign currencies), which may adversely affect your return under this product when you convert RMB into your home currency. The value of your RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your RMB deposit to other currencies at an exchange rate that is less favourable than that in which you made your original conversion to RMB, you may suffer loss in principal. This product (if denominated in RMB) will be denominated and settled in RMB deliverable in Hong Kong, which is different from that of RMB deliverable in Mainland China. China A Shares Investment in China A Shares through Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities. This page does not set out all the key risks to Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect. For further information, you should refer to the risk disclosures and other terms set out in the China Connect Terms and Conditions. Important Information Please note that Deposit Plus and Structured Investment Deposit are not available for persons who are US citizen / with US nationality, are US resident or US tax payer, or have a US address (e.g. primary mailing, residence or business address in the US). The general insurance policies are underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC. For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly. Issued by The Hongkong and Shanghai Banking Corporation Limited