HSBC Premier: The ultimate in personal service.

HSBC Premier: The ultimate in personal service. 1

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and thank you for choosing HSBC Premier. We have travelled the world with the single aim of understanding the needs of our customers better than ever before. In this process we have come to appreciate that you live varied, complex and interesting lives. We also appreciate that many of you are experts in your field, highly driven and successful. It is why at HSBC Premier we have developed a standard of service that lives up to your expectations. A service that is tailored to each of your unique and individual need. In this pack we would like to introduce to you to the many benefits and services we offer you as a Premier customer. If you have any further questions please do not hesitate to contact your Relationship Manager. 4 5

Introducing your personal economy. Our sole aim at HSBC Premier is to keep your personal economy moving forward. Your represents the health of your whole financial life. It incorporates and influences all the things that you value most your family, your homes, your passions, your work, your legacy. Your is unique to you, completely interconnected and constantly changing and so requires constant care and attention to keep it in balance. And that s our job at HSBC Premier to provide personal banking support for your. We can do this in 4 unique ways. 6 7

What HSBC makes Premier HSBC features Premier special? 8 9

A dedicated Relationship Manager plus a team of global experts. Your is complex. To make things simple, we provide you with a Relationship Manager. Someone who gets to know the various aspects of your life before matching you with perfectly suited solutions. Your Relationship Manager is also supported by a global network of over ten thousand people, all experts in their field. An accredited and knowledgeable Premier Relationship Manager supported by a team of wealth and transactional specialists Specialist advice and financial planning, to help you fulfil your hopes and dreams, and realise your ambitions Access to the expertise provided by HSBC s Global Markets, Asset Management and Insurance businesses 10 11

We measure our success on how satisfied you are. At HSBC we take your personally. We are committed to serving your needs, and rewarded when you are satisfied. To help make sure your needs are served, we offer extensive advice in the areas of protection, education, retirement, managing and growing wealth. We also give you access to your investments online, making it easy to manage them remotely. Comprehensive wealth solutions to support your needs across Protection, Education, Retirement, Managing Wealth Growth, and Legacy Personal satisfaction as a priority. Our Relationship Manager s success is measured on how well they support your Digital solutions to help you easily access and manage your investments 12 Note: The remuneration for sales staff is determined based on the staff s overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers. It is not determined solely on financial performance. 13

There for you wherever and whenever you need us. Your is always with you, which is why we ve built a service with global reach and round-the-clock service. From speaking to one of our teams in person, to checking it online, you can feel reassured that wherever life takes you, we ll be there, taking care of your. HSBC Premier status in all markets you bank with HSBC Personal Internet Banking and HSBC Mobile Banking give you global access to all your HSBC accounts Free international fund transfers between your HSBC accounts International account opening before you arrive at your destination in all HSBC Premier countries where regulations allow Access to our Premier International Centres, providing specialist services to meet your cross-border wealth management needs Emergency card replacement and emergency encashments at any HSBC branch worldwide 14 15

Preferential access to privileged offers and services. As a Premier customer, you have worked hard to build your. And as a successful person, it follows that you should expect a certain level of service and attention. Therefore, we are committed to delivering products, services and rewards that live up to these expectations. Which is why we give you access to the best HSBC has to offer. Preferential rates relative to other HSBC customers Pre-approved Premier Credit Card with perpetual fee waiver and best-in-class privileges programmes Free supplementary credit cards, and emergency assistance extended to the immediate family Digital Counter Services allow you to view real-time counter traffic at HSBC Premier Centres, get a counter service ticket and make a booking from anywhere. Please visit www.digitalcounterservices.hsbc.com.hk or our Mobile Banking app to experience the services Preferential access to our dedicated 24-hour manned phone banking service 16 17

HSBC Premier features 18 19

Wealth expertise Perhaps you want to accumulate secure funds for a comfortable retirement or your children s education. Alternatively, you might crave the high growth potential of less predictable investments. HSBC Premier can find the right people to help you whatever your financial plans are. Financial Planning and Regular Review We offer sophisticated analysis of your current portfolio and future financial needs to help you work out practical plans according to your risk appetites to realise your wealth potential Strategic Financial Planning: A sophisticated financial planning tool that helps our Relationship Managers evaluate your needs, prioritise your goals, identify any financial gaps and assess your risk capacity to give you the most suitable solutions Timely Market Information Helping You Keep on the Pulse of the Global Market Investment Perspective provides you with in-depth analysis of global markets to help you make informed investment decisions Horizon monthly investment enewsletter to keep you updated on the latest market development Consolidated Statements Clear and precise consolidated statement capturing your entire financial portfolio under your Integrated Account HSBC Premier and any other accounts you hold at HSBC Comprehensive Wealth Management Products Comprehensive range of wealth management products and services to help you leverage on the most appropriate wealth management solutions and product ideas to achieve your financial goals Multi-channels enabling you to place investment orders anytime (a) Exclusive 24-hour HSBC Premier Hotline (852) 2233 3322 (b) Personal Internet Banking www.hsbc.com.hk (c) Stock Express www.hsbc.com.hk/stockexpress (d) HSBC Mobile Banking via iphone, ipad, ipod touch or Android devices. Please visit our website www. hsbc.com.hk for details (e) HSBC Premier Centres in Hong Kong 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 Equity Linked Investments, 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, 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 are no guide to future performance. For details of the investment products, their related fees and charges and risk factors, please refer to the individual product materials/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 the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal. 20 21

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. Warrants and CBBCs are non-collateralised product. The price of the Warrants/CBBCs may fall in value as rapidly as it may rise and investors may sustain a total loss of their investment. Prospective investors should ensure that they understand the nature and risks and seek for professional advise where applicable. 11. Margin FX trading is a leveraged foreign exchange investment product which involves a high degree of risk and is only suitable for customers who are of adventurous or speculative risk attitude. Structured Investment Deposits, Deposit Plus, Capital Protected Investment Deposits and Certificates of Deposit (CDs) are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Deposit Plus is NOT principal protected. The in this section does not constitute a solicitation for the making of 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. Additional risks of the individual investment products mentioned in this booklet are disclosed in the Notes section with corresponding remark numbers. Securities Services 1 You can trade H.K. stocks, U.S. stocks and China A shares through our one-stop securities trading service using one account You can place your orders, enquire about the status of your order, and obtain share price and market via (a) HSBC HK Easy Invest app (b) Personal Internet Banking www.hsbc.com.hk (c) Stock Express www.hsbc.com.hk/stockexpress (d) HSBC Mobile Banking (e) HSBC Premier Express Stock Order Placement Hotline on (852) 2996 6822 (for local securities, China A shares and margin trading only) You can also get the pre-set stock price or market index alert and receive order results through our free ealerts short message service Through our comprehensive order management tools, including Stop Loss Limit Orders, Target Buy Sell Orders, or Two-Way Limit Orders, you can manage your orders to protect unrealised gains and/or minimise any potential losses during volatile market conditions Now you can enjoy free access to Thomson Reuters stock reports on U.S. stocks and China A shares via Stock Express. You can also use stock screener to compare stocks performances and pick the stocks of your choice for U.S. stocks and China A shares All securities will be placed under the safe custody of HSBC through our nominee service that ensures all dividends and bonus shares are credited to your account HSBC HK Easy Invest Trade on the go with our fast and secure stock trading mobile app. What you can do: Trade securities instantly with Quick Buy and get real-time market including sectors performance and personalised news in three major stock markets (Hong Kong, China A and US). Simple and secure: Secure access using any of our secured log on methods. Our strong data encryption lets you keep valuable data such as login, personal and trading safe. 22 23

Getting started is easy: To use this app from HSBC, all you need is to have an investment account with us. You can then download and log on using your HSBC Personal Internet Banking details. Note: The app has been specially built for our Hong Kong customers. You must be an investment account holder to use this app. Apple, the Apple logo, iphone and Touch ID are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Android is a trademark of Google Inc. Stock shown is for illustration purpose only. The screen displays and the images of the website are for reference and illustration purposes only. Bonds and Certificates of Deposit (CDs) 3 As the Best and Most Preferred Bond Investment Service Provider 4 for retail customers, HSBC brings you wide range of high quality bonds and CDs with various tenors in major currencies and subscription amount as low as USD1,000 Our one-stop bonds and CDs investment services include Initial Public Offering (IPO) subscription and trading in secondary market. You can buy or sell bonds / CDs with no safe custody fee, interest collection fee and redemption fee at maturity. You may also enjoy flexibility to sell-back to HSBC to realise potential capital gains before maturity With our online retail bonds and CDs purchase service from Personal Internet Banking, you can access to intelligent bond search and comparison capability with actionable market to learn more bond investment ideas, in addition to the straight-through bonds and CDs order placement and execution Unit Trust Services 5 Unit trusts let you diversify and broaden your portfolio across different sectors and countries, diversifying the risk that a single investment can carry. You may invest locally or in overseas markets that are normally inaccessible to individual investors in a wide range of open-end funds managed by world-renowned fund houses and selected by HSBC s global investment experts FundMax, a pioneer fund investment solution with one single fee 6 for unlimited unit trust transactions, allows you to invest and rebalance your portfolio at any time against market changes without paying multiple transaction charges upfront Fund Express helps you evaluate and compare different funds for simple and self-directed fund selection Our Unit Trust Monthly Investment Plan offers you the flexibility to pre-set your investment timeframe or target the market value to accumulate from the plan in order to achieve your financial goals Structured Products 7 In addition to the traditional investment options, we offer a comprehensive range of structured products linked to different underlying financial instruments to best meet your investment views and portfolio diversification needs Exclusive Online Placement Service of Structured Investment Deposits we offer comprehensive choices of interest rates and currencies linked products to our HSBC Premier customers to help you capture market opportunities Equity Linked Investments (ELI) 8 a yield enhancement investment that links to most Hang Seng Index or Hang Seng China Enterprises Index Constituent, Exchange Traded Fund and including some of the eligible Hong Kong stocks under Shenzhen-Hong Kong Stock Connect. If the stock price moves as anticipated, you can capture enhanced potential return Deposit Plus (DPS) 9 a deposit linked with a currency option that enables you to take advantage of exchange rate fluctuation to capture enhanced potential return Foreign Currency and Renminbi Services 24-hour Currency Exchange Service you can trade currency around-the-clock 10 with real-time tradable rates from a selection of 10 major currencies 11, and Renminbi at competitive exchange rates FX Order Watch Trading Services set your own target exchange rate to convert funds automatically within your accounts, and/or to receive alert when the designated rate is hit Forex/Renminbi Switching Service 12 manage your exchange needs with increased flexibility by pre-setting your switching criteria, including target exchange rate, transaction amount and frequency. We will switch funds to/from your accounts accordingly when your pre-set criteria is met Basic Renminbi (RMB) Services 13 we offer you RMB savings and current accounts, RMB time deposits, RMB remittance services and credit card services to meet your financial needs. You can remit RMB funds from your RMB account with HSBC in Hong Kong to your RMB account outside Hong Kong. Our Dual Currency credit card consists of both Hong Kong Dollar (HKD) and Renminbi (RMB) credit card accounts. Card spending in HK and overseas will be settled in HKD card account while spending in mainland China will be settled in RMB card account. It gives you recognition, spending privileges and special offers in the Mainland Margin FX Trading Services 14 helps you trade faster and easier to maximise your potential returns in foreign currency margin trading. Designed for active traders, the platform provides cutting edge trading tools to assist in monitoring and managing currency positions, in real-time Gold 15 We offer gold in form of statement gold service without physical gold delivery. It is competitively priced in both local and international markets. There is no handling charge other than the actual buying or selling price at the time of the transaction 24 25

Insurance 16 A range of life and general insurance plans to suit your needs throughout different stages of your life. Life Insurance Wide range of life insurance plans to suit various life goals, offering choices on whole life protection plans with savings, pure life insurance plans with fixed term, annuity insurance plans, target savings insurance plans, universal life plans and critical illness protection plan. Medical Insurance Whether you want access to private hospital treatment, daily cash benefits while being hospitalised, outpatient care protection, or access to world-class treatment if you suffer a critical illness, we have a plan for you. Home Insurance Offers protection that covers accidental loss or damage, for your belongings even if they re outside your home. Travel Insurance Single trip or year-round cover is available no matter when and where you travel. An optional China Medical Card under the multi-trip plan will cover the deposits required for medical treatment at designated hospitals in the Mainland. Accident Insurance You can get admitted into over 400 designated hospitals in mainland China by presenting the China Hospital Deposit Guarantee Card. Immediate in-patient medical treatment can be received without the need to pay the first three days deposit. HSBC Broking Services If you are looking for an even wider range of services to cater for your sophisticated investment needs, as our valuable HSBC Premier customer, you can enjoy an extended array of value-added services provided by HSBC Broking Services (Asia) Limited, a leading broker dealer regulated by the Securities and Futures Commission of Hong Kong. Please contact your HSBC Premier Relationship Manager or HSBC Broking Services (Asia) Limited for more. HSBC Broking Services (Asia) Limited Hotline: (852) 2521 1661 Website: www.broking.hsbc.com.hk Mandatory Provident Fund (MPF) 17 Two MPF schemes with diverse fund choices that help you achieve your retirement goal Comprehensive service platforms allow you to manage your MPF account(s) anytime, anywhere Transfer in or retain your accrued MPF benefits in HSBC for an overall wealth accumulation in one place Exclusive Premier Offerings Being our valuable HSBC Premier customers, you can enjoy an array of exclusive services and privileges. Exclusive Access to HSBC Premier Centres Your banking needs come first at HSBC s Premier Centres. As an HSBC Premier customer, you will enjoy exclusive access to more than 50 Premier Centres and priority counter service at local branches. Our spacious HSBC Premier Centres are furnished with coffee machines, magazines and televisions so you can stay connected to the news while comfortably enjoying our world-class distinguished banking and wealth management services Digital Counter Services* Digital Counter Services bring you a convenient counter experience that helps you take control of your time and plan your schedule more easily through 3 superior digital services: Digital Counter Viewer, Digital Counter Ticket and Digital Counter Booking Digital Counter Viewer - You can view real-time counter traffic at HSBC Premier Centres at your fingertips to help you decide when to visit and which HSBC Premier Centre to go to Digital Counter Ticket - You are able to get counter service ticket remotely before arriving at your preferred HSBC Premier Centre to save your waiting time Digital Counter Booking - You can enjoy priority service by booking for counter service appointment at your preferred HSBC Premier Centre on the same day or up to 5 business days in advance so you can rest assured with your schedule planning * Visit www.digitalcounterservices.hsbc.com.hk or our Mobile Banking app to experience the Digital Counter Services Same day booking or modification is available half a day in advance Smart Ticketing Service Smart Ticketing Service offers you the flexibility to maximise your time. When visiting a selected HSBC Premier Centre, you may choose to leave your mobile phone number with us when getting a queue ticket. An SMS message will then be sent to inform you when a counter will soon be available Preferential Pricing You want services that make it easy to manage your finances and you want value and recognition. Look no further, HSBC Premier comes packed with features designed with you in mind. You can enjoy a world of product privileges, priority services, credit card benefits, a range of fee waivers, including ATM cash withdrawal fees and telegraphic transfer handling fees, and preferential offers of up to 50% off on selected banking services For details of fees and charges, please refer to Bank tariff guide for HSBC Retail Banking and Wealth Management Customers on HSBC website. For the latest on our preferential pricing, Terms and Conditions, please visit Personal Internet Banking, HSBC Premier Centres or HSBC branches in Hong Kong, call our 24-hour HSBC Premier Hotline on (852) 2233 3322 or contact your HSBC Premier Relationship Manager for enquiry 26 27

Deposit Services With HSBC Premier, you will enjoy various deposit services under the management of one single account number HKD Accounts you can save with daily compound interest payable monthly. Your Integrated Account also comes with a current account with free cheque book. And you can flexibly make time deposit placement 18 with choices from 1 day to 36 months Renminbi (RMB) Accounts 13,19 enjoy RMB savings and time deposit services and make transfer of RMB to suit your needs. You can also make payments by issuing cheques from your standalone RMB current account 20 Foreign Currency Accounts choose from 10 major currencies 11 either in a savings account 21 or as time deposits. Interest on savings account is calculated daily, payable half-yearly For Integrated HKD current account, the last 3 digits of the account number are 001 Mortgage Services HSBC s Mortgage Specialist is available to help you find the best mortgage plan for you with all of the services you need: assistance with your application; advice on mortgage loans and refinancing Whether you are buying a property in the primary market (completed or not), secondary market, or refinancing your existing mortgage with or without cash, we offer a variety of mortgage loans to suit your needs Deposit-linked Mortgage Repayment Plan with a Deposit-linked Mortgage Repayment Plan, you can enjoy a savings interest rate equivalent to the mortgage loan interest rate for a specified amount of deposits in a HKD deposit-linked account under HSBC Premier, which may offer you higher returns on your savings deposit and greater flexibility in managing your finances Credit Services Overdraft Protection customers who maintain a satisfactory credit record for three months and the total average relationship balance of HKD40,000 or above in the previous calendar month, will automatically receive a standby overdraft limit of up to HKD20,000 giving you extra convenience when issuing cheques or using autopay Secured Credit access secured credit attached to either your HSBC Premier Integrated Savings or Current Account. The credit limit is adjusted automatically based on the daily value of eligible assets (e.g. deposits, investments, etc.) and the credit-to-asset ratios of your eligible assets attached to the account subject to your elected ceiling limit within your HSBC Premier Integrated Account at no additional service fee or minimum payment Clean Credit clean credit can be attached to either your HSBC Premier Integrated Savings or Current Account. Maximum credit available is HKD800,000 or six times your monthly basic salary, whichever is lower Please use our 24-hour HSBC Premier Hotline or visit Personal Internet Banking for more details on credit limits, preferential interest rates and monthly service fees. To apply for the above credit services, please contact your HSBC Premier Relationship Manager HSBC Premier Junior Pack 22 Start preparing for your children s financial future today. Give your children a head start in financial management. HSBC Premier Junior Pack is a comprehensive package of services designed with you and your family in mind. One of the most important life-skills you can teach your children is to learn the value of money, and help them develop good saving and spending habits that will last a lifetime. With HSBC Premier Junior Pack, you and your children can benefit from our convenient financial management services: Fund transfers between your accounts under HSBC Premier and the Junior Pack allow you to manage your financial needs conveniently and allocate your funds flexibly With the choice of issuing a Cash Card to your children, they can easily withdraw cash from their Junior Pack current account all over the world via the HSBC Group s ATM network 23, while you retain ultimate control over the account. This means you can save on Telegraphic Transfers charges when your children are studying abroad A separate statement will be issued on this Junior Pack account which you can share with your children, so they can begin to understand the fundamentals of finances under your guidance As a single point of contact looking after you and your family s financial needs, the same Relationship Manager will be assigned to look after your portfolio under Premier as well as Junior Pack Probate Bypass Trust: An optional solution for parents to pass on wealth to their next generation, giving you and your family added peace of mind Pre-order Services You can pre-order foreign currency banknotes, new HKD banknotes, cashier s orders, demand drafts and gift cheques. Simply call your HSBC Premier Relationship Manager or our 24-hour HSBC Premier Hotline on (852) 2233 3322 and place your instructions Pre-order foreign currency banknotes is also available at Personal Internet Banking 28 29

Global Network and Services With the power of our global network, you can enjoy the same resources, support, recognition and banking privileges you get at home. You can even access and manage all your HSBC overseas accounts around the world anytime. Premier In One, Premier In All 24 As an HSBC Premier customer fulfilling the minimum balance requirement, you can join HSBC Premier anywhere in the world without having to fulfil additional requirements of the overseas countries Global Access Channels HSBC Premier Centres around the globe You may enjoy priority services in more than 350 HSBC Premier Centres by reaching your HSBC Premier Relationship Manager at home, log on to Personal Internet Banking, HSBC Mobile Banking or use the Global Phone to get connected to the Hong Kong HSBC Premier Call Centre 24-hour HSBC Premier Call Centre and automated phone banking services enjoy the convenience of our easy-to-use manned and automated phone banking service, available a day, 7 days a week. Simply call HSBC Premier Hotline (852) 2233 3322 to access our phone banking service 25, you can manage your bank accounts, investment, credit cards, insurance and other services in one go Comprehensive Digital Capabilities Personal Internet Banking through Personal Internet Banking www.hsbc.com.hk, you can handle your personal finances in your own time wherever you can get online and enjoy our comprehensive range of internet financial services, including H.K. stocks, U.S. stocks and China A shares trading, bonds/cds trading, subscription and redemption of unit trusts, structured product placement, bill payments, fund transfers and manage MPF investment allocation. HSBC Mobile Banking makes banking transactions easy anytime and anywhere with your mobile handsets and tablets: Perform basic transactions including balance enquiry, bill payment and fund transfer Make P2P payment via HSBC Easy Pay View Exchange Rates and Deposit Rates Support foreign currencies trading, H.K. stocks, U.S. stocks and China A shares trading Check out the latest credit card offers exclusively for HSBC Premier Redeem Hot Picks and Vouchers with RewardCash at RewardCash e-shop Place Hong Kong dollar or foreign currency time deposits Pay registered bills (bill payee accounts have to be registered first on Personal Internet Banking) Make Hong Kong dollar and foreign currency funds transfer within HSBC (To self-named or registered accounts) Make local transfer to other local bank register accounts (e-transfer or Express Transfer) View balance and make transfers to your globallylinked accounts with Global View and Global Transfers View local account balances and transaction history Place Deposit Plus Pre-set and receive stock price or market index alert through free ealerts service Set up, view or cancel new FX order / alert at your target exchange rate with just a few clicks by using our FX Order Watch Trading Services Subscribe bond IPO View and send messages More features about HSBC Mobile Banking are listed on HSBC s website www.hsbc.com.hk/personal/ ways-to-bank/mobile-banking-app.html Worldwide ATM Network with your HSBC Premier ATM card 27, you can access your HSBC Premier Hong Kong Dollar (HKD) Integrated Savings and Current accounts, and any other HKD account in your name at our extensive range of self-service banking machines or services including our ATMs, Cash Deposit machines, Cheque Deposit machines, purchase via EPS or UnionPay 28, Payment by Phone Service (PPS), and other services 29 Whether you are in Hong Kong or abroad, you can withdraw cash 30 from your HKD savings and current account at HSBC Group s ATMs 23 worldwide free of charge Alternatively, instead of having a standalone ATM card, you can use your HSBC Premier credit card to link up your HSBC Premier banking accounts to access the worldwide ATM network 31 30 31

Global View and Global Transfers 32 Global View is a unique online solution that enables you to manage all your personal HSBC accounts and view the related account balances on one screen If you work, travel or live across different countries, transferring money between your accounts is an absolute necessity. Global Transfers puts you in control, so you can make transfers as and when you need it Transfer funds near real-time between your self-name accounts linked in Global View or even schedule transfers for later. Best of all, such transfers are absolutely free Emergency Encashment Services 33 We understand that accidents can and do happen so we provide hassle-free encashment services for you and your family should such an emergency arise. Instant cash up to USD2,000 can be arranged for you from 8,500 HSBC outlets worldwide International Account Opening You can enjoy the same level of HSBC Premier services in other countries around the world 24 with our International Account Opening Services Pre-opening of Overseas Accounts the experts at our International Banking Centres can open overseas HSBC accounts for you before you depart to your new country 24. We will advise you of your new account number within 10 business days 34 Your account pack, including ATM card, credit card, Personal Identification Numbers (PINs) and cheque books, under normal circumstances, will all be ready within 10 business days 34 once your account is successfully opened Credit History Transfer 35 your credit history from your originating country can be transferred to facilitate access to similar levels of credit in the new country 36 Personalised On-board Services A dedicated international expert will be assigned to manage the entire process of establishing your accounts in the new country. Upon successful transfer, a local HSBC Premier Relationship Manager will contact you to provide assistance wherever necessary Overseas Education With HSBC Premier s support, getting your children ready for study overseas has never been this easy. We provide a wide range of service varying from pre-departure Overseas Account Opening to support from HSBC Global Safety Net International Mortgage Services This loan is applicable to purchasing residential property for self-use or investment purposes. If you wish to purchase property outside of Hong Kong, you can also enjoy an overseas pre-approved mortgage 37 with up to 60% loan-to-value ratio in selected countries 38 HSBC Premier Credit Card The HSBC Premier Credit Card offers you a new range of travel benefits throughout your journey, from discounts on bookings to complimentary global Wi-Fi while you re away. You ll get rewards every time you pay with your card at home or abroad, putting you in good hands wherever you re going. Savings that add up with Expedia and Agoda 39 Premier Credit Cardholders get 10% off selected hotel bookings on Expedia every time you pay with your card. The Premier Credit Card also comes with Expedia+ gold Membership, which includes top priority on complimentary room upgrades at over 2,000 participating +VIP Access TM hotels and thousands of extra discounts and special offers To enjoy the booking discount offer, please make your booking via the following website: www.expedia.com. hk/hsbcpremier. For more details about the Expedia+ gold Membership, please visit: www.expedia.com.hk/ rewards/gold Book your hotel on Agoda.com with the Premier Credit Card and you ll get 7% off more than 180,000 hotels worldwide. You ll also receive instant confirmation and best rate guarantee, so you can focus on planning the rest of your trip with more savings to spend while you re there To enjoy the booking discount offer, please make your booking via the following website: www.agoda.com/hna We ve got your Wi-Fi covered 39 Stay connected anywhere in the world. As a Premier Credit Cardholder, you ll get global and unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide. Connect up to four devices at airports, hotels and popular places around town and never worry about data caps, roaming fees or unreliable network coverage Life s more rewarding with an HSBC Premier Credit Card Enjoy fantastic rewards and privileges when you become a Premier Credit Cardholder. Convert your RewardCash for air miles 40 on three frequent flyer programmes, Asia Miles, British Airways Executive Club and Singapore Airlines KrisFlyer, or to redeem for vouchers or gifts of your choice Whether you re travelling abroad or staying at home, there s a vast range of offers to choose from including travel, dining, shopping, health and beauty. To find out more about these exclusive Premier benefits, visit: www.privileges.hsbcpremier.com Emergency support wherever you are Emergency lost or stolen card reporting and replacement services 41 are provided through the HSBC Premier Emergency Hotline on (1) 314 275 6781 (24-hour collect call lines 42 ), and you have access to emergency cash from over 245,000 outlets across 200 countries/territories Pre-approval with annual fee waiver The HSBC Premier MasterCard Credit Card is pre-approved 43 for existing Premier customers with annual fee waiver. Supplementary pre-approved 43 cards can be applied for your family members, who will enjoy the same level of privileges and emergency support as you 32 33

This section provides detailed on the following: Useful Information for New HSBC Premier Customers Useful HSBC Premier Hotlines Total Relationship Balance Requirement Fund Transfers between Accounts and Bill Payment Global View and Global Transfers Access Guide HSBC Premier Junior Pack Internet Banking Services User Guide Trading Hours for Investment Products Security Tips for Personal Internet Banking, HSBC Mobile Banking, phone banking and ATM Notes 34 35

Useful Information for New HSBC Premier Customers In order to fully enjoy the HSBC Premier services, you are suggested to take the following actions: Step 1: Change ATM PIN for security purpose Step 2: Register Personal Internet Banking Step 3: Download and logon HSBC Mobile Banking with your iphone, ipad, ipod touch or Android devices Step 4: Set up your phone banking service or Reset your phone banking PIN Useful HSBC Premier Hotlines If you need any assistance or services from us, you can simply call the following hotlines: 24-hour HSBC Premier Hotline (852) 2233 3322 HSBC Premier Express Stock Order Placement Hotline Collect call* when overseas (Please contact a local telecom company to arrange) HSBC Premier Emergency Hotline (24-hour collect call lines 42 ) English Mandarin Cantonese (852) 2996 6822 (852) 2233 3388 (1) 314 275 6781 (1) 314 275 6779 (1) 314 275 6775 * Collect call service is subject to the telecom service providers in local countries. Total Relationship Balance Requirement To qualify for HSBC Premier, you need to maintain a Total Relationship Balance (TRB) 44 of HKD1 million or above. TRB includes: Hong Kong dollar/renminbi/foreign currency deposits Market value of the following investments: local and overseas securities, unit trusts, bonds, certificates of deposit, equity linked investments, structured notes, Monthly Investment Plan (Stocks/Unit Trusts) and Wayfoong Statement Gold Deposit amounts of Deposit Plus and Structured Investment Deposits Utilised lending facilities (excluding mortgages and amounts outstanding on credit cards) Life insurance 45 with savings component HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances which are administered by HSBC Life (International) Limited For life insurance with savings component: Investment-linked life insurance policies include the total cash value of the policies Other life insurance policies include the total cash value of the policies OR total premium paid less any annuity payments received (if applicable), whichever is higher If your TRB falls below HKD1 million, a Below Balance Fee will be charged monthly (based on average Total Relationship Balance over the last three months). Total Relationship Balance Below Balance Fee 46 HKD1 million or above Less than HKD1 million Free HKD380 per month Should your TRB remain below HKD1 million for 12 months, your HSBC Premier service tier may be withdrawn. Fund Transfers between Accounts and Bill Payment HSBC has set the following maximum daily transfer/payment limits per customer: Personal Internet Banking/HSBC Mobile Banking/phone banking Transaction Type Transfers between your own accounts (including joint accounts) 49 Transfers to registered third party accounts 49 Transfer to non-registered third party accounts 50 : Channel sub-limits for transfer to non-registered account via Personal Internet Banking Phone Banking To determine your overall TRB in sole capacity, the applicable TRB of all your personal sole account(s) 47 and all your joint account(s) 48 will be included in the calculation. To determine your overall TRB in joint capacity, the applicable TRB of all your joint account(s) 48 held with the same joint account holders will be included in the calculation. All life insurance, MPF and ORSO Defined Contribution Scheme policies are held under personal sole account only, and these account balances shall not be included in the TRB calculation in joint capacity. Maximum Daily Limit per Customer Up to available balance HKD3 million (per third party account) HKD400,000 51 HKD400,000 51 HKD50,000 51 Bill payment 52 HKD5,000,000 51 Service sub-limits for bill payments 52 to: Government and Utilities Securities Brokers 53 e-ipo for White form application Sports and Leisure 53 (The Hong Kong Jockey Club) Other merchants (e.g. telecommunications, insurance companies) HKD500,000 HKD500,000 HKD5,000,000 (for Personal Internet Banking only) HKD500,000 HKD100,000 Make P2P payment via HSBC Easy Pay 54 (only available on Up to HKD 5,000 36 HSBC Mobile Banking) 37

Self-Service Banking To Set Up or Raise Limits Automated Reset to Zero Limits Self-Service Banking Facility Fund transfers between accounts on the same card Fund transfers* to other accounts with HSBC and Hang Seng Bank Local ATM Overseas ATM Payment by Phone Service (PPS) Maximum Daily Limit per Customer Up to available balance 51, 55 HKD400,000 51, 55 HKD50,000 HKD100,000 per card Bill payment 52 HKD5,000,000 51 Service sub-limits for bill payments 52 to: Government and Utilities Securities Brokers 53 Sports and Leisure 53 (The Hong Kong Jockey Club) Other merchants (e.g. telecommunications, insurance companies) Cash withdrawals Hong Kong Overseas Purchase via EPS or UnionPay 28 HKD500,000 HKD500,000 HKD500,000 HKD100,000 HKD80,000 for HSBC Premier ATM card/ Junior Pack Cash Card HKD80,000 for HSBC Premier credit card Overseas ATM daily withdrawal limit (including cash advance) for all ATM cards and credit cards is pre-set to HKD0. Please perform activation in advance by setting the overseas daily withdrawal limit and activation period for overseas ATM cash withdrawal service. (The maximum amount you can withdraw per transaction varies with the individual ATM. You may need to make multiple transactions to withdraw up to the maximum daily limit.) HKD50,000 per card * Overseas ATM daily transfer limit (to non-registered accounts) for all ATM cards and credit cards is pre-set to HKD0. Please perform activation in advance by setting the overseas daily transfer limit for overseas ATM transfer service. The following limits will be set as zero for new automated channel users: HSBC Easy Pay payment limit (only available on HSBC Mobile Banking) Sub-limits for fund transfers to non-registered third party accounts via Personal Internet Banking and phone banking services Service sub-limits for bill payments to merchants in the categories of Securities Brokers and Sports and Leisure via Personal Internet Banking, HSBC Mobile Banking, phone banking or ATM For new and existing customers who wish to raise the limits, please log on to Personal Internet Banking by using Security Device or Mobile Security Key 64, or download the application forms available at www.hsbc. com.hk, or contact any HSBC branch in Hong Kong. For HSBC Easy Pay payment limit, please log on to HSBC Mobile Banking and increase HSBC Easy Pay payment limit by using Security Device or Mobile Security Key 64. The payment limit is capped at HKD 5,000 each day. To Lower Limits If you wish to lower any of the following limits, please log on to Personal Internet Banking: Limits on each channel for transferring funds to non-registered third party accounts Service sub-limits for bill payments Maximum daily limits for transfers to non-registered third party accounts or bill payments If you wish to lower the payment limit of HSBC Easy Pay, please log on to HSBC Mobile Banking. Your transfer limits to non-registered third party accounts through Personal Internet Banking or phone banking services will be reset to zero if: You have not logged on to the respective channels for six months, or You have not used the sub-limit since establishment/ maintenance on the respective channel for six months, or You have not made a non-registered third party payment on the respective channel for 13 months, or You use your ATM PIN to reset your phone banking PIN through 24-hour HSBC Premier Hotline (applicable to phone banking) Your service sub-limits for bill payments to merchant categories of Securities Brokers and Sports and Leisure will be reset to zero if you have not used these sublimits since set-up/maintenance for 6 months or the service through Personal Internet Banking, HSBC Mobile Banking, phone banking or ATM for 13 months. If you wish to reactivate the limits, please download the application forms available at www.hsbc.com.hk or contact any HSBC branch in Hong Kong. 38 39

Global View and Global Transfers Access Guide Global View You can link profiles for non-hsbc Premier relationships as well as HSBC Premier relationships. You can access Global View via an HSBC Premier country s Personal Internet Banking system and see the account balances for the non-hsbc Premier country displayed, but will not be able to access Global View via the non-hsbc Premier country s Personal Internet Banking Global Transfers Trading Hours for Investment Products The following services are available during the times shown: Service Mon-Fri (HKT) Sat (HKT) Local Securities Order placement/amendment via phone banking via Personal Internet Banking 56 via Stock Express via HSBC Mobile Banking Enquiry US Securities 8am to 4.10pm Not available You can simply log on to your own Personal Internet Banking to set it up: Log on via the Personal Internet Banking service of any HSBC country and territory where you hold an Integrated Account under HSBC Premier In order to view all of your account balances across HSBC entities worldwide, you can link up by selecting Add/Remove a country or territory in My banking menu. You will need to complete a one-off linking process to other Personal Internet Banking profiles after prompting the security credentials of the Personal Internet Banking profile you are trying to link Linking will be effected in all entity systems involved, e.g. linking the U.S. profile to the Hong Kong profile allows access via either the Hong Kong or U.S. Internet Banking service Select any of your accounts linked in Global View, then you can choose if transfer is activated immediately, on the same day, or scheduled for later as a one-off or recurring transaction Global Transfer is also available on HSBC Mobile Banking Order placement via phone banking via Stock Express via HSBC Mobile Banking Enquiry China A Shares: Order placement/cancellation via phone banking via Personal Internet Banking 56 via Stock Express via HSBC Mobile Banking Enquiry Unit Trusts Order placement via Branch via manned phone banking 57 via Personal Internet Banking 58 8am to 3pm Branch opening hours 8am to 6pm Not available Branch opening hours 8am to 1pm 40 41

Service Mon-Fri (HKT) Sat (HKT) Equity Linked Investment (issued by HSBC) Order placement via Branch 9.15am to 3.40pm Not available Deposit Plus Order placement via Branch via manned phone banking via Personal Internet Banking/HSBC Mobile Banking Structured Investment Deposits Exclusive placement Order placement via Branch via Personal Internet Banking Bonds/Certificates of Deposit Order placement via Branch via phone banking (Selling of Bonds and Certificates of Deposit only) via Personal Internet Banking 60 24-Hour Currency Exchange Service 9am to 5pm 8.30am to 5pm 6am (Mon) to 11.59pm (Fri)* 9am to 4.45pm 7am to 11.45pm 9am to 5pm 59 9am to 5pm 59 Not available Not available 12am to 5am 9am to 1pm 7am to 1pm Not available Not available Service Mon-Fri (HKT) Sat (HKT) FX Order Watch Order placement via manned phone banking via Personal Internet Banking/HSBC Mobile Banking via Branch Branch opening hours Branch opening hours Order monitoring 5am (Mon) to 11.59pm (Fri) 12am to 4am during summer time (US daylight saving), or 12am to 5am during winter time (non-us daylight saving) Margin FX Order placement via Personal Internet Banking/HSBC Margin FX app Gold 62 Order placement via manned phone banking/automated phone banking/personal Internet Banking 5am (Mon) to 11.59pm (Fri) 7am to 11.59pm 12am to 5am during summer time (US daylight saving), or 12am to 6am during winter time (non-us daylight saving) Not available via manned phone banking/automated phone banking/personal Internet Banking/ HSBC Mobile Banking 5am (Mon) to 11.59pm (Fri) 61 12am to 4.59am, 8am to 4.30pm 61 * Maintenance hour: Mon-Fri: 5.20am to 5.35am and 9pm to 9.30pm (No new Deposit Plus application) 42 43

Security Tips for Personal Internet Banking, HSBC Mobile Banking, phone banking and ATM Password/PIN/User ID/Security Device/Mobile Security Key 64 protection For your own security, it is important that you keep your password/pin/user ID confidential. You should also change your password/pin regularly. Make sure no one sees your password/pin/user ID at all times Keep your PIN/password and your ATM card separately at all times When choosing your password/pin, do not use your identity card number, telephone number, mobile number, birthday or commonly used number sequences such as 888888 and 123456, or add 00 to these numbers Do not use the same or similar password/pin/user ID for different banking or online services Change your password/pin regularly Memorise your password/pin/user ID and never write it down. Keep it private and do not disclose it to anyone Under no circumstances will our Bank staff, the police or any genuine parties ask for your password/pin HSBC will never contact you and ask for your logon details and personal for Personal Internet Banking, phone banking or ATM services. These include your User ID, password, PIN, account number, identification/ passport number, address, phone number, etc. HSBC will never disclose such in our emails other than your name for personalisation purposes, nor ask you to confirm any personal data by replying to our email 63 When you call us, you may be asked to disclose your Personal Internet Banking User ID or input your phone banking PIN for authentication. Do not mention your PIN or Personal Internet Banking password during the call as no call centre representative will ever ask for this over the phone. If you have forgotten your PIN, a few questions relating to your personal, NOT your passwords or PIN, will be asked for authentication Keep your Security Device in a safe and secure place Never personalise your Security Device in a way that would allow others to specifically associate it with you (i.e. name, address, etc.) DO NOT use the yellow button on Security Device during LOGON. Yellow button is mainly for transferring funds to third party Never enter digits that you are unfamiliar into the Security Device for transaction signing with the yellow button Customer should always take care to verify the account number of the beneficiary before effecting payment to third party Personal Internet Banking Usage Precautions Protect your computer Install anti-virus/anti-spyware software in your computer to protect it from known viruses or spyware. The software should be updated regularly to ensure that you have the latest protection Install a personal firewall on your computer. It is designed to help prevent hackers from accessing the computer it is installed on. When installing such software, follow the manufacturer s recommendations for a conservative access control Download and apply security updates and patches to the PC/browser when they are made available Protect yourself Never access Personal Internet Banking from public places or from shared computers such as those in cyber cafes or public libraries Close all browser windows before you log on to Personal Internet Banking. While you are in a Personal Internet Banking session, we recommend that you do not open other internet browsers and access other websites. This can help to ensure your financial is protected and blocked from unauthorised access via another website Disable the AutoComplete function to protect against unauthorised access to your accounts and to prevent others from making banking transactions without your knowledge, as your computer may be used by others Check your last log on date, time and status displayed on My HSBC page after you have successfully log on to Personal Internet Banking. If you suspect anything suspicious, please contact HSBC immediately Use the LOGOFF button to exit. Do not exit by closing the window Never leave a Personal Internet Banking session unattended at any time Disconnect from the internet when you have finished using it. Avoid leaving your connection on, especially with broadband access, unless you re actively using it For the full set of security tips of Personal Internet Banking, please visit www.hsbc.com.hk/personal/ help-and-support/online-security.html Phone Banking Usage Precautions If you are using a telephone with a memory or redial function, please make sure the PIN records are erased and the PIN is not seen by other people Be alert only use phones located in secure and reputable places especially if you intend to perform phone banking transactions HSBC Mobile Banking Usage Precautions Do not store your Personal Internet Banking username and password and Mobile Security Key 64 password on your mobile handsets Install and update the latest anti-virus and anti-spyware software regularly on your mobile handsets, whenever they are available Avoid sharing your mobile handsets with others and use your own handset to log on Do not leave your handset unattended after log on to Personal Internet Banking / HSBC Mobile Banking. Always log off properly when you are finished with it Only store your own fingerprints on your device if you have enabled fingerprint authentication for HSBC Mobile Banking 44 45