Issued by HSBC Bank (China) Company Limited

Issued by HSBC Bank (China) Company Limited

Welcome Welcome and thank you for choosing HSBC Premier. We have travelled the world with the single aim of understanding the needs of our Clients 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 needs. In this pack we would like to introduce you to the many benefits and services we offer you as a Premier Client. If you have any further questions please do not hesitate to contact your Relationship Manager.

Introducing your personal economy Our sole aim at HSBC Premier it to keep your personal economy moving forward. Your personal economy 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 personal economy 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 support for your personal economy. We can do this better than anybody else, in 4 unique ways.

What makes HSBC Premier special?

A dedicated Relationship Manager plus a team of global experts Your personal economy 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. Because when it comes to your personal economy, we believe 11,324 heads are better than one. An accredited and knowledgeable Premier Relationship Manager supported by a team of wealth and retail specialists Specialist advice and financial planning, to help you fulfill your hopes and dreams, and realise your ambitions Access to the expertise provided by HSBC s Global Markets, Asset Management and Insurance businesses

We measure our success on how satisfied you are At HSBC we take your personal economy personally. That s why we aren t paid commission on the products we sell. Instead, we are rewarded when you are satisfied. And to help make sure you re happy, 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 and Growing Wealth, and Legacy Personal satisfaction as a priority. Our Relationship Managers success is measured on how well they support your personal economy Digital solutions to help you access and manage your investments

There for you wherever and whenever you need us Your personal economy 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 team in person, to checking in online, you can feel reassured that wherever life takes you, we ll be there, taking care of your personal economy. Automatic Premier status in all markets you bank with HSBC Online banking, providing single access to all your HSBC accounts globally Instantaneous, fee-free international fund transfers between your HSBC accounts International account opening, before you arrive at your destination Access to our Regional Premier International Centres, providing specialist services to meet your cross-border wealth management needs Emergency card replacement within 24 hours, and emergency encashments at any HSBC branch worldwide

Preferential access to the best services and products As a Premier Client, you ve worked hard to build your personal economy. 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 Clients Free supplementary cards, and emergency assistance extended to the immediate family Preferential access to our dedicated 24 hour telephone banking service

As an HSBC Premier account holder, you can also enjoy: Access to all your accounts around the world in one place with Global View, plus easy management with the free additional statements, group document delivery and more Real-time foreign currency Global Transfer between your HSBC accounts Preferential mortgage rates with a wide array of free services for your mortgage loan Free cash withdrawals with your HSBC Premier Debit card at HSBC Group ATM machines worldwide Free cross branch cash services within HSBC China. Free intra-city or inter-city CNY cross-bank payment (of CNY50,000 or less per transaction) via Personal Internet Banking or mobile banking Free Foreign Currency funds transfer from Notes Account to Exchange Account Free Inward Telegraphic Transfer to any HSBC China account Free Instant Telegraphic Transfer for initial deposit after account opening and 50% discount thereafter. Free bill collection for US$5,000 or more Exclusive offers and discounts for dining, travel, leisure activities and shopping with your HSBC Premier debit card

HSBC Premier services

If you would like to know more about any of these services, do not hesitate to contact your Relationship Manager. Your HSBC Premier bank account RMB and foreign currency deposits Foreign exchange services and settlement HSBC Premier debit card Telephone banking e-banking service: Ali-pay express payment, mobile banking service Your Wealth Advanced wealth management platform World-class product solutions Up-to-date market information and expert opinion Your International banking Overseas Education Overseas real estate purchasing Immigration service Overseas travel service Greater China service Moving to China HSBC Home Mortgage Loans

Issued by HSBC Bank (China) Company Limited

Introduction This handy Service Guide contains all the information you need to make the most of HSBC Premier. In it you ll find specifics on services we provide to our Premier customers, including information on the International Recognition and Support you are entitled to around the world and how our International Banking Centres can assist you to set up your overseas HSBC services should you require these. And we ll also show you how to leverage our comprehensive global wealth management services. Please refer to the relevant sections of the guide and related Terms and Conditions for more details on HSBC Premier services. If you have any enquiries, feel free to contact your Relationship Manager/Officer, or our 24-hour Premier hotline on (86) 400 820 8828 or (8621) 3888 8828. Contents International Recognition and Support... International Services... Global Wealth Management... Preferential Pricing and Service Charges... Appendices... 2 5 7 12 16 1

International Recognition and Support The power of our far-reaching and globally connected network means that as an HSBC Premier customer, you will receive personal recognition and unrivalled local support when you travel for work, leisure, or move overseas. Easy access to global emergency assistance services is provided through a dedicated hotline offering support when you need it, including emergency encashment services, freeing you to explore more of the world with complete peace of mind. A.Global Network of Premier Centres a) Local support and recognition both at home and abroad Whether you and your family member (spouse & children) are in mainland China or traveling, you can always enjoy privileged access to our wealth management and banking services when you visit any of our HSBC International Premier Centres. Simply present your HSBC Premier Recognition Card and / or valid ID at over 250 International Premier Centres around the world to receive the warmest welcome and exclusive lounge facilities. For locations of Premier Centres in mainland China, please visit www.hsbcpremier.com.cn for the latest list. b) Access to your Relationship Manager/ Officer and Mainland China Premier Call Centre when abroad When you are outside mainland China, you can reach mainland China s Premier phonebanking services by making a call through the local telecom provider to the Mainland China Premier Call Centre on (86) 400 820 8828 or (8621 ) 3888 8828. Alternatively, you can visit any of our Premier Centres to talk to your Relationship Manager / Officer or log on to HSBC Personal Internet Banking services. c) Provision of local knowledge and travel tips Our Premier Centres worldwide are a valuable resource whenever you travel. Come and talk to our Premier staff in the country you and your family member (spouse & children) are visiting to find out more about local places to eat, hotspots to visit, things to do and process of buying a property. Tap into our local knowledge to make your trip more interesting and rewarding. d) 24 hour Premier Call Centre and Automated Phonebanking Services Enjoy the convenience of our simple, easy-to-use manned and automated phonebanking service. With us, your banking needs are well taken care of, 24 hours a day, 7 days a week. You can check your account balances and transfer RMB funds between any of your sole-named / joint named accounts 1 or make payments to registered 2 third party same name & same account type accounts (after registration). Note1: Customer can only transfer funds through joint name account(s) after registration. Note2: Customer has to set up a transfer limit through registration, before transferring funds to nonregistered account(s). e) Internet Banking Service HSBC Personal Internet Banking simplifies your life! Manage your finances anytime anywhere, check account balances, conduct local RMB payments, overseas remittances, Global Transfers, FCY-CNY conversions, exchange of foreign currencies, place dual currency investment and open term deposits and more, 24 hours a day! For detail information, please refer to the Personal Internet Banking page in our public website at www.hsbc.com.cn/1/2/personal-banking/ e-banking/personal-internet-banking, or access to our online demo at www.hsbc.com.cn/1/2/misc/personal-misc/pibdemo - 24-hour foreign currency exchange service For transactions fulfilling minimum amount requirement, you can make use of our 24-hour foreign currency exchange service to exchange foreign currencies with preferential real time rates. Up to 10 foreign currencies are supported, including USD, EUR, HKD, JPY, GBP, AUD, etc. For service hours, please refer to the Personal Internet Banking page or the remark section of the 24-hour foreign currency exchange service function in the Internet Banking. - Online FCY-CNY conversion Eligible customers could enjoy the convenience of placing real-time conversion instructions between CNY and FCY within annual quota through Personal Internet Banking. For service hours, please refer to the Personal Internet Banking page or the remark section of the FCY-CNY conversion function in the Internet Banking. - Dual Currency Investment (Basic Type) Online Trading Eligible customers could enjoy the convenience of placing Dual Currency Investment (Basic Type) through Personal Internet Banking. For service hours, please refer to the Personal Internet Banking page or the remark section of the Dual Currency Investment (Basic Type) Online Trading. 2 3

f) Mobile Banking We provide Mobile Banking Application on ios and Android Mobile System. You can download the application in ios App Store and Google Play and log on to Internet banking with the app using iphone, Android phone or ipad. The application supports various banking functionalities including but not limited to account balance enquiry, Local Transfer, FCY/CNY Conversion, GetRate and Term Deposit placement. g) Ali-Pay Link up To fulfill your online payment needs, we provide HSBC China Ali-pay Express Payment function. By having your HSBC China Debit Card, you can link your card to Ali-pay to make online payments. For every payment through this function, you only need to use Alipay passcode and/or dynamic password sent to your mobile instead of logging onto Internet Banking. You can also adjust your payment limit through Internet Banking. B.Global Emergency Number and Emergency Services a) Emergency Encashment Services We understand that accidents can and do happen so we provide hassle-free encashment services should such an emergency arise. You and your family member (spouse & children) can choose to either visit one of our HSBC branches or simply make a collect call to the Premier Emergency hotline on (1) 314 275 67 81 to arrange emergency cash that can be delivered to over 245,000 outlets across 200 countries; now that s convenience! b) Worldwide number 1-908-PREMIER (1-908-7736437) 3 Wherever you are in the world, it s easy to remember that you can always call our Premier hotline 1-908- PREMIER 3 in the US (IDD charge applies if call is made outside US) for the aforementioned emergency assistance services 24 hours a day, 7 days a week, ensuring peace of mind. Note3: Charges apply. International Services The world is becoming a smaller place, and many of our customers move or travel frequently rest assured that we look after your personal banking needs wherever in the world life takes you. Once you are an HSBC Premier customer in mainland China and meet the Premier minimum balance requirement, you are automatically entitled to receive HSBC Premier services in other countries and the minimum balance requirement applicable to other countries will be waived in those subsequent countries. This is because your Premier status qualifies you for the best service across the world. A.International Banking Services for free a) International needs review Should you need banking services overseas, we will conduct an International Needs Review for you, in order to identify practical solutions to ensure all your financial needs will be taken care of both at home and abroad. b) Pre-opening of overseas account Our experts at the International Banking Centres can arrange to open overseas HSBC accounts for you before you even leave for your new country. Your account will be opened and your account pack, including a cheque book, debit card, ATM card, credit card and related Personal Identification Numbers (PINs) (if applicable), will be ready within 10 business days 4. Note4: Subject to the compliance of local laws and regulations in the destination country with going through the relevant approval process. c) Personalised onboarding services A dedicated international expert will be assigned to manage the entire process of establishing your accounts in the new country. A local Relationship Manager / Officer will contact you to ensure that you have settled in and to provide assistance wherever necessary. d) Credit history transfer To ensure your move is as smooth as possible, we can, upon request 5, transfer your credit history from your originating country to assist you to obtain your new credit limit in the overseas HSBC offices. Note5: Credit history will be transferred from customer s originating country with their outbound application. 4 5

e) Free 6 international online fund transfers between your HSBC accounts As a Premier customer, via internet banking you can make free 6 cross boarder foreign currencies fund transfer between your own HSBC accounts (including joint accounts) in different countries or territories (subject to the compliance of local laws and regulations). If the transfer is between the countries / territories where the unique HSBC s Global Transfer" service is available, your transfer instruction will be completed real-time with all charge waived. Note6: Where Global Transfer is available, free means free Global Transfer service. B.Global view & Global transfer With HSBC Premier, you can access and view all your accounts within HSBC worldwide, giving you a consolidated view of your accounts with HSBC through one single logon to our Personal Internet Banking once your Internet Banking profiles are linked up. Besides, you can also make use of the "Global Transfer" service to enjoy real-time foreign currencies transfers between your self-named HSBC accounts held in different countries or territories, and for free. (please refer to Appendices for more details.) Global Wealth Management At HSBC we provide you with a range of wealth management products to cover your investment needs, with access to global and local market information to keep you abreast of the latest financial market news and developments. A.Regular review of investment products Your Relationship Manager / Officer will offer you personalised care and attention to take care of your wealth management needs by providing regular reviews at least twice a year on the progress of your investment products, and we will regularly and proactively keep you updated on your products movement. You are also encouraged to discuss your investment product with your Relationship Manager / Officer if your investment needs or risk appetite change at any time. B. Access to global and local market information f) Comprehensive international services website Visit our website www.hsbcpremier.com.cn to get useful information about moving abroad, buying property or investing overseas. For those customers interested in sending their children to study abroad, we have a resource centre with helpful details to assist your planning and preparation. There are also links to international tools (e.g. world clock, international dialing codes and Premier Centre locations worldwide) which come in handy for people on the move. We pride ourselves on providing insightful global and local market information to help you make informed investment decisions. We can also offer our expertise to help you make the most of your money. C. Wealth management products You can maximise your wealth potential by choosing from our range of investment products that suit your investment objectives and risk appetite. Our wealth management products and services are listed below: 6 7

8 a) Account and Deposit Services You can enjoy our account and deposit services in RMB and Available foreign currencies are Hong Kong dollar, US dollar, Japanese yen, Euro, Pound Sterling, Canadian dollar, Australian dollar, Singapore dollar, New Zealand dollar and etc. Multi-Currency Accounts Personal foreign currency (FCY) saving accounts are available in FCY Notes Saving Accounts and FCY Exchange Saving Accounts. - Statement Savings Accounts: Offering you the flexibility of placing multiple foreign currencies under one single account - Call Deposit Accounts: Offering you a better interest rate compared with current deposit on your foreign currency deposits. Withdrawal is available from these accounts with advance written notice to the Bank - Time Deposit Accounts: Ideal for depositing larger sums of money that you do not need instant access to, that can then earn higher interest rates compared with current deposits Renminbi Accounts - Renminbi Demand Deposits: Offers you instant access to your accounts including Settlement Accounts, Current Accounts, Overseas RMB Saving Accounts and Overseas RMB Settlement Accounts - Renminbi Call Deposits: Offers you a higher rate of interest on your Renminbi deposits compared with current deposits. - Renminbi Time Deposits: Ideal for depositing larger sums of money that you do not need instant access to, and that can then earn higher interest rates compared with current deposits. Children Accounts (children under the age of 18) A one-stop service allows you to plan and save for your child s future b) Investment Products Capital Protected Investment (CPI) We offer you a range of Structured Investments linked to various underlying financial assets globally, such as equity and index, interest rates, currencies, funds and commodities that help to meet your needs for wealth appreciation and risk diversification. Product Features: - Provide different capital protection levels: 100% or partial capital (e.g. 90%) protection at maturity to protect your wealth from the uncertainties in the fast changing market - Global investment opportunities: From a variety of linked underlying financial instruments, such as equity and index, interest rates, currencies, funds, commodities and other major global financial assets to capture global investment opportunities - Variety of payoff structures: Wide variety of return and payoff structures to fulfill your specific investment need - Flexible tenor options determined by market demand to assist you with flexible management of wealth - Multiple choices of investment currencies: Available in currencies such as RMB, USD, AUD, HKD, EUR and other major currency types Risk Disclosure: Structured Investment entails investment risk. Investors will only obtain the return on this product as per the express stipulation of the applicable terms and conditions. Investors should fully understand the investment risk and act prudently in making the investment decision. This product is not a deposit and should not be treated as a deposit or a substitute thereof. Investors must be prepared to take the risk of earning a comparatively lower return or even no return on the money invested. The issuance of and details contained in this document do not constitute an offer or solicitation for, or advice that you should enter into, the purchase or sale of the capital protected product described herein. Prior to entering into a transaction, you should read and fully understand the description of the product (especially the risk disclosure). If investors have any concerns about this product, they should consult their professional financial advisers. Dual Currency Investment (DCI) Dual Currency Investment is a structured investment product. By taking advantage of exchange rate movements, it allows you to earn a potentially return, while meeting your foreign currencies needs. Product Features: - A structured investment product linked with exchange rate of selected foreign currency pair - You can choose an investment currency and a linked currency, which can be USD, HKD, AUD, CAD, EUR, GBP, JPY, SGD or NZD - Flexible tenors (varies from 1week to 1 month) that cater to your specific needs in a short-term investment - Eligible customers could enjoy the convenience of placing Dual Currency Investment (Basic Type) through Personal Internet Banking Benefits: - Dual Currency Investment allows you to diversify your investment portfolio to spread investment risk - Dual Currency Investment is especially beneficial when foreign currency fluctuation is low or the linked currency is expected to appreciate in your investment period - An opportunity to convert to linked currency of your choice at your pre-agreed exchange rate at maturity Risk Disclosure: Dual Currency Investment is a non-principal protected investment product with floating return involving high investment risks. Dual Currency Investment has high investment risks and you may suffer material loss of the investment principal due to market fluctuations, you should fully understand the relevant risks of the Dual Currency Investment and invest prudently. The issuance of and details contained in this document do not constitute an offer or solicitation for, or advice that you should enter into, the purchase or sale of the Dual Currency Investment described herein. Prior to entering into a transaction, you should read and fully understand the description of the product (especially the risk disclosure). If investors have any concerns about this product, they should consult their professional financial advisers. 9

Overseas Investment Plan HSBC brings you the opportunity to invest globally. You could diversify your investment risk and benefit from global investment without going abroad. Features: - Minimum investment amount of RMB50,000 or its equivalent value in other currencies (adjusted according to the FX change with integer kept. Please refer to the Product Subscription Pack for details) - Different underlying assets can be linked to the investment Benefits: - The opportunity to invest in diversified market overseas, like equity, fixed income or commodity etc - Can have both FCY (depend on the different product) and RMB investment Risk Disclosure: Overseas Investment Plan is a non-principal protected investment product with floating return involving high investment risks. You may suffer significant loss of principal due to market fluctuation. You should fully understand the investment risks and act prudently in making the investment decision. This investment plan is not a deposit and should not be treated as a deposit or a substitute thereof. The returns hereunder are subject to the credit risk of the issuer, the custodian bank and the Bank. The issuance of and details contained in this document do not constitute an offer or solicitation for, or advice that you should enter into, the purchase or sale of Qualified Domestic Institutional Investor Plan described herein. Prior to entering into a transaction, you should read and fully understand the description of the product (especially the risk disclosure). If investors have any concerns about this product, they should consult their professional financial advisers. 10 Local Open-ended Fund Riding on the customer-needs centric wealth management concept, HSBC distributes a series of local mutual funds, in order to assist you to catch the local investment opportunities, diversify your investment risk and fulfill your various investment needs. Features: - Minimum investment amount of RMB50,000 - Different underlying assets can be linked to the investment Benefits: - The opportunity to invest in diversified local markets, like equity, fixed income or commodity etc - Diversify investment risks and meet the investment needs Risk Disclosure: Local Open-ended Fund is a non-principal protected investment product with floating return involving high investment risks. You may suffer significant loss of principal due to market fluctuation. You should fully understand the investment risks and act prudently in making the investment decision. This product is not a deposit and should not be treated as a deposit or a substitute thereof. The past performance of the fund does not represent the future performance, and the fund performance of other funds managed by the fund management company does not provide the guarantee of new fund s performance. Prior to entering into a transaction, you should read and fully understand the description of the product (especially the risk disclosure). If investors have any concerns about this product, they should consult their professional financial advisers. c) Mortgage Services Benefit and Features: - Multiple currency options including RMB, HKD, and USD - Loans tenor: up to 30 years for primary properties and 20 years for secondary properties - One-to-one service by home mortgage loan specialists to facilitate end-to-end process - Competitive interest rate: Preferential rate for first property loan in China. Free property insurance & extra fee waivers - Easy repayment: You can make real-time foreign currency 'Global Transfer' service between your self-named HSBC accounts in different countries and territories to complete the repayment We offer several flexible repayment options: - Monthly straight-line repayment: Monthly repayments at a fixed amount, helping you plan your budget and expenses - Fortnightly straight-line repayment: Fortnightly repayments at a fixed amount, enabling saving of more loan interest and shorten the tenure of your loan - Monthly reducing balance repayment: Monthly repayments start higher at the beginning of the loan and reduce over the life of the loan, allowing the extra saving on the overall interest paid * Subject to the compliance of relevant laws and regulations (to be updated from time to time). Detail mortgage loan terms and conditions will be confirmed in the final agreement between the Bank and the applicant. d) Insurance Agency Business We also have a range of insurance products and services offered by several insurance companies which are designed to protect you and your family against events that will hopefully never arise. At every stage of your life we give you peace of mind by protecting your life, your future, your loved ones and your health so that you and your family feel safe about the future. Insurance agency business is provided by the Premier Centres in Shanghai, Beijing, Shenzhen, Guangzhou, Dongguan, Suzhou, Hangzhou, Ningbo, Xiamen, Dalian, Shenyang, Qingdao, Jinan, Tianjin, Chengdu, Chongqing, Wuhan, Xian, Taiyuan, Nanjing and some other cities. If you have any enquiry for the details, please contact us by below channels. Multi-channel access through: - Enquiry hotline on (86) 400 820 8828 - Contacting your Relationship Manager / Officer - Visiting any of our Premier Centres in the above cities The above insurance products are offered by several wellknown insurance companies, which are authorised and regulated by the China Insurance Regulatory Commission. The HSBC Bank (China) Company Limited is an insurance agent authorised by the above insurance companies. The information shown above is intended as a general summary. You should refer to the insurance policies for the detailed terms and conditions. 11

D. Consolidated Statement In a clear, easy-to-understand format, Premier s consolidated statement captures details of your financial products under Premier and other accounts with us. The statement includes a statement of all investments made through HSBC, including transaction history on a monthly basis. Preferential Pricing HSBC Premier brings you preferential rates and a host of bank charge waivers. We offer privileged lending interest and exchange rates. Account Services Issue Certificate of Balance Issue Certificate of Frozen Deposit Issue Additional Statements Issue copies of statement, voucher & cashed cheque Send facsimile for customer Signature Witness / Certify True Copy Forward Overseas HSBC Group Documents Standing Instruction Establishment, Amendment or Termination Overseas HSBC Account Opening Global Emergency Encashment Service Replacement of Security Device for Personal Internet Banking Foreign currency fund transfer from Notes Account to Exchange Account & Cash Services Foreign Currency Notes Withdrawal Cross Branch Services within HSBC China CNY Cash Withdrawal / CNY Cash Deposit Foreign Currency Cash Withdrawal/ Foreign Currency Cash Deposit CNY Fund Transfer within HSBC China Foreign Currency Fund Transfer within HSBC China Time Deposit s Open, Renew, & Withdrawal Call Deposit s Open, Renew, & Withdrawal Dormant Account Reactivation Unclaimed Account Reactivation Cross Branch Forward Document within HSBC China Issue Additional Statement Issue Certificate of Balance Overseas Remittances Additional commission on outward remittance from foreign currency notes accounts Inward Remittance paid to HSBC China Account ^ 12 13

HSBC Premier Service Charges Global Transfer Online cross-border CNY Telegraphic Transfer via Personal Internet Banking between Self-named Accounts within HSBC Group @! Remittance Enquiry / Investigation Bill Collection (for amount of USD5,000 / equivalent or above per bill) Instant Telegraphic Transfer between HSBC China and HSBC Hong Kong (only in respect of the charge on HSBC China side) % $ #$ For initial deposit after account opening: Free Thereafter: 50% discount* * HSBC Premier customers can enjoy the preferential tariff provided that: (1) Last month s Total Relationship Balance is not below the Premier Minimum Total Relationship Balance requirement; or (2) the Premier Monthly Service Fee has been fully paid. International Premier Customers with HSBC China as the Host Country bank are not subject to the above conditions. @ This does NOT apply to cross-border CNY remittance via Overseas RMB Saving Account/Overseas RMB Settlement Account.! This only applies to cross border CNY remittance satisfying regulatory requirement. # Not applicable to HKD & USD cheques drawn on Hong Kong and collected at HSBC Shenzhen Branch. ^ Free means that HSBC China waives the local handling charge which should be charged by HSBC China for the Inward Telegraphic Transfer paid to HSBC Account. % Free means that HSBC China waives the local handling charge which should be charged by HSBC China for the Online Telegraphic Transfer via Personal Internet Banking between Self-named Accounts within HSBC Group. $ Relevant correspondent bank charges or overseas bank charges will not be waived. & Premier customer is eligible for this service only when the Total Relationship Balance under the same account number in the last month satisfies the Premier Minimum Total Relationship Balance requirement. To qualify for Premier, you need to maintain a Total Relationship Balance (TRB) as specified in the Tariff of Accounts and Services for Personal Customers issued by the Bank from time to time. As at 20th April 2007, the minimum TRB for Premier in mainland China is RMB500,000 or equivalent. Your joint account total relationship balance (TRB) will be included into your sole account TRB when conduct your sole account TRB s system calculation. The sole account monthly service charge is waived if the combined TRB is over RMB500,000 or equivalent. TRB includes: - RMB/FCY deposits - Investment principal amount(s) of Dual Currency Investment(s) and Structured Investment(s) (Capital Protection at Maturity / Partial Capital Protection at Maturity) - Market value of other Product(s) ( including Overseas Investment Plan) - Point of time cash value of traditional life insurance product(s) (including annuity insurance, whole life insurance, endowment insurance, critical illness insurance and universal life insurance) as at day end of the third to last working day of the current month - Point of time market value of investment account(s) under investment linked insurance product(s) as at day end of the third to last working day of the current month Remarks and notes: (1)The insurance product(s) as mentioned above will be included in the Total Relationship Balance calculation of the current month if the relevant policy effective day is on or before the third to last working day of the current month and will start to be included in the Total Relationship Balance calculation from the next month if the relevant policy effective day is on or after the second to last working day of the current month. (2)The Total Relationship Balance calculation doesn't include protection insurance product(s) (protection insurance product(s) refer to term life insurance, credit enhancement insurance and general insurance such as travel insurance, accidental insurance and health insurance). (3)Working day refers to such working day in Mainland China as determined pursuant to the announcement or provisions issued by the relevant governmental organization in Mainland China. (4)The above mentioned cash value or market value of insurance product(s) will be provided to the Bank by the relevant insurance company(ies), and the Bank takes no liability for the information and data provided by the relevant insurance company(ies). If your accounts combined monthly average balance falls below the minimum TRB, a Monthly Service Fee will be charged. For the latest information on our service charges, terms and conditions, please visit any Premier Centre or HSBC branch in mainland China or call our 24 -hour Premier hotline on (86) 400 820 8828 or visit our website www.hsbc.com.cn. You can also contact your Relationship Manager/Officer for assistance. 14 15

Appendices To keep the status of HSBC Premier, the Customer needs to maintain a combined monthly average balance (calculated on monthly basis) in all Accounts with the Bank equal to or above Premier minimum total relationship balance as determined by the Bank from time to time. To the extent not violating applicable laws and regulations, Premier monthly service fee will be charged from Premier Customer if the combined monthly average account balance falls below the Premier minimum total relationship balance. The Bank may at its sole discretion to convert the Customer from Premier to Advance and withdraw all the Premier services and Features if and when (i) the Customer s monthly average account balance (calculated on monthly basis) has been below the Premier minimum total relationship balance for 12 consecutive months or (ii) the Customer s monthly average account balance (calculated on monthly basis) is below the Premier minimum total relationship balance and no monthly service fee can be collected for 6 months. Fund Transfers between Accounts, via PhoneBanking and Internet Banking. HSBC has set the following maximum daily transfer / payment limits per customer (subject to the compliance of local laws and regulations): Transaction type Phonebanking Transfers between your own accounts (including joint accounts) 7 Transfers to registered third party accounts 8 Internet banking HSBC Internet Banking Transfers between your own accounts with HSBC China Transfers to any third party accounts 9 Transfers to pre-registered third party accounts 9 Maximum daily limit RMB166,000 or equivalent (USD20,000 for transfer between foreign exchange accounts). The daily accumulated limit is RMB5,000,000 or equivalent, which is shared with the Internet banking Self-named Accounts transfer limit within HSBC China. RMB166,000 or equivalent per pre-register third party account (Total daily transfer limit for all pre-register third party accounts should not exceed RMB1,000,000 or equivalent) RMB5,000,000 or equivalent RMB50,000 or equivalent RMB200,000 or equivalent Global Transfer to Self-Named Accounts USD 200,000 or equivalent (including all completed transfers via Global Transfer) ATM 10 ATM fund transfers in the same card 11 No daily limit ATM fund transfers outside card 12 RMB50,000 ATM cash withdrawal in mainland China RMB20,000 ATM cash withdrawal outside mainland China 13 -overseas China UnionPay ATMs -RMB10,000 or equivalent -overseas HSBC ATMs -USD1,000 or equivalent 16 17

Global View Note7: Pre-registration is required for transfer between joint accounts. Note8: Please visit any HSBC branch in mainland China to pre-register third party accounts. Note9: To effect third party fund transfers through HSBC Internet Banking, please complete the "Internet Banking Transaction Limit Change Request Form" at any Premier Center or HSBC branch in mainland China. Note10: For fees and charges on ATM transaction and card replacement fee, please contact any HSBC branch in mainland China, our HSBC Advance Hotline or visit HSBC Internet Banking. Note11. The fund transfer service is available only on HSBC China ATMs, and is limited to: Between two RMB accounts or two foreign currency accounts in the same card. Note12. The fund transfer service is available only on HSBC China ATMs, and is limited to: From the RMB account in the card to your other personal RMB accounts with HSBC China. From the RMB account in the card to a third-party personal RMB account with HSBC China. You can apply for the fund transfer service and set up the daily limit. Note13. For other limits outside mainland China please visit HSBC internet Banking at www.hsbc.com.cn For new and existing customers who wish to raise the limits, please download the application forms available at www.hsbc.com.cn or contact any HSBC branch in mainland China. To lower limits If you wish to lower any of the following limits, please log on to Internet banking: - Limits on personal internet banking funds transfer to non-registered third party accounts - Limits on personal internet banking funds transfer to pre-registered third party accounts - Limits on personal internet banking funds transfer between your own accounts Automated reset to zero limits Your transfer limits to non-registered third party accounts through HSBC Internet Banking will be reset to zero if: - You have not logged on to the respective channels for 12 months or - You have not made a non-registered third party payment on the respective channel for 12 months If you wish to reactivate the limits, please download the application forms available at www.hsbc.com.cn or contact any HSBC branch in mainland China. You can simply log on to your own personal HSBC Internet Banking and set up the link: - You can choose to log on via the Personal Internet Banking (PIB) service of any HSBC entity where you hold Premier status - When you click on the link to Global View for the first time you will be taken to a new Global View page within the PIB service you are using. The page will display a demo of the Global View service and show the account balances for the PIB profile you are using. You are required to complete a one-off linking process to link other PIB profiles in order to view all of your account balances across HSBC entities worldwide. The linking process requires you to input the security credentials for the PIB profile you are trying to link. You can link any PIB profiles for which you have the correct credentials (The linking process is only required when the service is registered for the first time. There is no need to re-establish the link when you log on in the future) - Linking will be effected in all entity systems involved. For example, if a mainland China customer links both his / her mainland China and US profiles (both with Premier status) via mainland China PIB, when he/she logs on to mainland China PIB he / she will also be able to view his/her US profiles in Global View. And when he / she logs on to US PIB he / she will also be able to view his/her mainland China profiles in Global View - You can link profiles for non-premier relationships as well as Premier relationships. You will access Global View via a Premier country PIB and will then see the account balances for the non- Premier country displayed - When linking a Personal Internet Banking profile and if that profile is, for example, locked out, suspended or dormant, or the PIB service is unavailable, you will see an error message from that HSBC entity. By accepting this error message you ll be returned to Global View - You will have an option to de-link profiles from the Global View service a) Security tips for Internet banking, phonebanking and ATM Password / PIN / user ID / Security Device 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 when you use it - Keep your PIN/password separate from your ATM card at all times - When choosing your password / PIN, do not use your identity card number, telephone number, mobile number, birth date 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 or the 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 information for Internet banking, phonebanking or ATM services. These include your user ID, password, PIN, account number, identification/ passport number, address, phone number, etc - HSBC will never disclose your information in our emails other than your name for personalisation purposes, nor ask 18 19

you to confirm any personal data by replying to our email* - When you call us, you may be asked to disclose your Internet banking user ID or input your phonebanking PIN for authentication. Do not mention your PIN or 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 information, 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) *The only exception is when responding to your enquiry, our Customer Service Officers may contact you via email when some personal information is required. In such case, please note that the email will be sent through and stored in an encrypted form in our secure Internet banking platform and HSBC Internet Banking and you are required to log on using your user ID and password to access such email. b) Internet Banking - HSBC 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 whenever they are made available - Protect yourself - Never access HSBC 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 Internet banking. While you are in an Internet banking session, we recommend that you do not open other internet browsers and access other websites. This can help to ensure your financial information is protected and blocked from unauthorised access via another website - Check your last logon date, time and status displayed on the HSBC Internet Banking Welcome Page. If you suspect anything suspicious, please contact HSBC immediately - Use the Logoff button to exit. Do not exit by closing the window - Never leave an 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 c) Phonebanking - Phonebanking usage precautions - Do not access phonebanking from phones which are shared with other users. These phones may log your input, including account number and PIN, in the memory - Avoid using phones under special control systems that may keep the call details, e.g. hotel phone systems will retain the records for billing purposes - Be alert only use phones located in secure and reputable places especially if you intend to perform phonebanking transactions d) ATM - ATM usage precautions - Keep your ATM card in a safe place. Report card loss immediately through your own card issuer or visit any HSBC branch in mainland China if your issuer is an HSBC Group member - Never give your ATM card to anyone - If you observe any suspicious device (e.g. pin hole cameras) or activity (e.g. shoulder surfing), contact our Bank staff during office hours or call our hotline on (8621) 3888 2194 - Cover the keypad while you enter your PIN - Remember to remove all your belongings, e.g. ATM card, cash and receipt, if any, before you leave the ATM - Cancel the transaction if you notice anything suspicious or if any other problem arises - Do not accept assistance from strangers. If you encounter any problems at the ATM, contact the Bank - Count your cash only in secure surroundings - If you want to keep a record of the transaction, please save your receipt and do not leave it at or near the ATM - ATM card protection - Do not place your card close to any magnetic material, e.g. electronic devices, mobile phones, etc - When you are instructed to take your card from the ATM, do not push it back into the Insert Card slot e) Debit Card - Keep your debit card safe. For card loss, theft or embezzlement, please immediately contact any HSBC branch in mainland China or call 24 -hour Premier hotline on 800 820 8828 (mainland China); +86 21 3888 8828 (if outside of mainland China or using a mobile phone) and report to the police immediately. If you have reported your card lost or stolen, do NOT use it again if you find it later. Please inform the Bank first - Never give or lend your card to anyone else - Do not place your card close to magnetic materials, including mobile phones and other electronic devices - Please keep your debit card and identity documents separately 20 21

Issued by HSBC Bank (China) Company Limited www.hsbcpremier.com.cn

1. Definition and Interpretation 2. Services and Accounts PLEASE NOTE: Please carefully read the following terms and conditions, particularly those Terms and Conditions in bold. If you have any queries, please contact the bank staff of HSBC Bank (China) Company Limited. INDEX 1. Definition and Interpretation...03 2. Services and Accounts...03 3. Right of Lien and Set-off...04 4. HSBC Premier Card / Debit Card / Credit Card (if applicable)...05 5. HSBC Premier Emergency Services...05 6. Tiers and Charges...07 7. Termination of Account; Variation of Terms...10 8. Overseas HSBC Premier and HSBC Advance Services... 10 9. Miscellaneous General Provisions...11 Appendix - Definitions...15 1.1 Terms and expressions used herein, unless the context otherwise requires, have the meanings set out in the Appendix attached hereto. 1.2 Unless the context otherwise requires, any reference in these Terms and Conditions to: (a) a "Clause" or "Appendix" shall be construed as a reference to a clause hereof or an appendix hereto; (b) these Terms and Conditions or any other agreement or document shall be construed as a reference to the same as amended, varied or supplemented from time to time; (c) a statute shall be construed as a reference to the same as amended or re-enacted from time to time. (d) the term debt shall be construed to refer to and include any and all sums payable howsoever arising, including without limitation, principal, interest, default interest, penalty, fees (including legal fees), charges, costs, expenses, losses and damages. 1.3 Headings of clauses herein are for ease of reference only. 2.1 The Customer may, subject to such procedures (including the supply of such documents) as the Bank and / or the other relevant HSBC Group members may specify from time to time, utilise any one or more of the Services or open any one or more Accounts at any time by issuing an Instruction in such form as may be acceptable to the Bank and / or the other relevant HSBC Group members. 2.2 Unless otherwise specified by the Bank, all Services are provided by, and all Accounts are maintained with, the Bank. Where any Services or Accounts are to be provided by or maintained with any third party (including but not limited to any other member of HSBC Group), the Customer may be required to accept specific terms and conditions and the provisions of any mandate(s) applicable thereto as required by the third party. 2.3 The Bank shall have the right to pay to the Customer any amount withdrawn from an Account by any one or more of the following methods at the Bank's sole discretion, namely: These Personal Account General Terms and Conditions apply to all Accounts and Services under HSBC Premier / Advance provided by the Bank and / or other members of the HSBC Group or third parties designated by them, as the Bank and/or such members shall determine from time to time. Each and all Accounts opened by the Customer with the Bank under HSBC Premier / Advance are also subject to the Bank s General Terms and Conditions (for Personal Sole Account, Joint Account and Business Account Holders) as may be updated and revised from time to time. These Terms and Conditions and the Bank s General Terms and Conditions (for Personal Sole Account, Joint Account and Business Account Holders) (as may be updated and revised from time to time) supplement each other and constitute the general terms and conditions applicable to personal account(s) opened with the Bank. The Bank s rights under these Terms and Conditions and under the General Terms and Conditions (for Personal Sole Account, Joint Account and Business Account Holders) are cumulative. Particular types of Accounts and Services provided by the Bank are subject to specific terms and conditions, copies of such specific terms and conditions are available upon request from any branch of the Bank. (a) by cash payment in the currency of the Account; (b) by issuing to the Customer a cheque drawn by the Bank on any bank payable in the currency of the Account; (c) by cash payment in RMB, converted (if necessary) from the relevant foreign currency equivalent at the Bank's then prevailing buying rate. 2 3