For a life full of life

For a life full of life

Welcome to HSBC Premier! In this Welcome Pack, we ll introduce you to the many exclusive benefits and services you will enjoy as a new Premier customer. At HSBC Premier, we re here to help you and your family thrive. 1

Getting ready for a unique banking experience by HSBC Premier Follow through this Welcome pack to understand what you need to start your journey as a Premier customer. Contents Getting Started 3 Managing Your Family s Wealth 6 Preferential Benefits Just for You 10 Help Your Family Thrive 12 Expand Your Global Opportunities 16 Important Information 22 To make the most of HSBC Premier, you are suggested to activate the following services if you have not yet done so: Register for Personal Internet Banking Download and log on to the HSBC HK Mobile Banking app Register for an Investment Account Apply for your exclusive HSBC Premier MasterCard credit card Register phone banking service and change your ATM PIN 2 3

Personal Internet Banking HSBC Apps Investment Account HSBC Premier MasterCard Credit Card Manage your banking needs quickly and easily 24 hours a day, 7 days a week Registration is fast and easy, visit www.hsbc.com.hk Click Register under Log on Choose the account type you would like to use to verify your identity Read and accept the Terms & Conditions Enter the account number, ATM PIN 1 of your bank account/credit card account, as well as an identification document number to verify your identity Set up your log on details Choose a security question in case you forget your log on details so you can reset them Enjoy a wide range of HSBC banking services and benefits anywhere and anytime you go Download from App Store or Google Play TM HSBC HK Mobile Banking Pay bills, transfer money and check your account balance on your smartphone or tablet HSBC HK Easy Invest Trade Hong Kong stocks, China A shares and U.S. stocks and get real time market information anytime, anywhere HSBC Reward+ Pay any merchant transactions using RewardCash and have all the latest offers at your fingertips, anytime and anywhere Investing with HSBC means gaining access to a world of investments: equities in emerging markets, funds from around the globe or bonds from overseas companies Whatever your goals and experience, we have an investment type for you Dedicated Premier Service Line Easy-to-use 24-hour manned and automated phone banking services in English, Cantonese and Putonghua Call us at (852) 2233 3322 Your MasterCard is pre-approved with perpetual fee waiver, and offers a full range of lifestyle benefits If you haven t already applied your Premier MasterCard credit card, you may appy online After your registration is confirmed, you can log on and start using Personal Internet Banking 1 If you use bank account in the registration, you can also use Phonebanking PIN to verify your identity. PayMe from HSBC Send money instantly to anyone for free with Hong Kong s social payment app 4 Getting Started Getting Started 5

Managing Your Family s Wealth Our team of experts with our full range of wealth management products can help you and your family thrive. Dedicated Team Support A dedicated team of Premier Relationship Managers and specialists. At HSBC, your satisfaction is our key priority in measuring the success of the Premier Relationship Manager We are committed to serving your needs. HSBC s Premier Relationship Managers are always here to provide you with wealth management expertise Your Premier Relationship Manager, with extensive knowledge in investment and experienced in financial planning, is devoted to help you identify and achieve your financial goals. A team of wealth and mortgage specialists is available to develop tailored solutions for you Your Premier Relationship Manager (Retail Banking) is vastly experienced in Retail Banking products who will recommend suitable services for your day-to-day banking needs Strategic Financial Planning Our sophisticated financial planning tools enable our Premier Relationship Managers to evaluate your needs, prioritise your goals, identify any financial gaps and assess your risk capacity to give you suitable solutions. Wealth Expertise Backed by our world-class investment experts from our Global Asset Management and Insurance business, HSBC Premier can assist you managing your wealth by providing you with: A range of attractive funds and structured products Exclusive placement service of Structured Investment Deposits Wealth Insights Our Wealth Insight Hub provides you with: Up-to-date market information on macro economy and market trends to facilitate your investment decision Key facts and figures to help you plan ahead for various wealth needs HSBC monthly investment bulletin, Horizons, a timely e-newsletter that keeps you abreast of relevant market development and investment implications Easy navigation with a supporting library and swift digital access Visit https://insights.hsbc.com.hk to find out more Full variety of insurance products 6 Managing Your Family s Wealth Managing Your Family s Wealth 7

Comprehensive Wealth Management Products Securities Trade Hong Kong stocks, China A shares and U.S. stocks 24-hour a day using the same account Bonds and Certificates of Deposit (CDs) Our one-stop service on bonds and CDs, include Initial Public Offering (IPO) subscriptions and trading in secondary markets Unit Trust A range of quality funds, managed by world-renowned fund houses which suits customer s investment needs in different economic cycle Structured Products Offer comprehensive choices of interest rate, currency and equity linked products to help you capture market opportunities Foreign Currency FX Order Watch Trading Services allow you to pre-set target rates with conversion amounts as low as HKD1,000 Important Risk Warning 1. Some of the investment products are structured products which may involve derivatives. The investment decision is yours but you should not invest unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. 2. Unit Trusts, Bonds, Certificates of Deposit (CDs), structured products (including 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. 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 information 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. 8 Managing Your Family s Wealth Managing Your Family s Wealth 9

Preferential Benefits Just for You HSBC Premier Centres Enjoy exclusive access to over 350 HSBC Premier Centres worldwide (including more than 50 Premier Centres in Hong Kong). Find the nearest branch via branch locator on our website and Mobile Banking app. You can make request to have them ready in your preferred denomination 2 and collect them at your preferred branch location You can also get new HKD banknotes and gift cheques simply by contacting your Premier Relationship Manager or by calling our HSBC Premier Hotline Pre-ordering of foreign currency is also available through internet banking Free HSBC Premier MasterCard Credit Card As a Premier customer, you are entitled to a wide range of exclusive services and privileges. Preferential Banking Service Fee Digital Counter Services The HSBC Premier MasterCard credit card offers you a full range of lifestyle benefits including: 15% off selected hotel bookings on Expedia with Expedia+ Gold Membership Enjoy preferential rates on a range of services, including ATM cash withdrawal fees, free Global Transfer, Outward / Inward Telegraphic Transfer. For details, please refer to the Bank Tariff Guide for HSBC Retail Banking and Wealth Management Customers on the HSBC website. View the counter situation at your preferred Premier Centre, get a ticket, and book your counter service before arriving Experience the service on your Mobile Banking app or at www.digitalcounterservices.hsbc.com.hk 7% off selected hotel bookings on AGODA Airport Limousine Service at HKD250 Buy-1-Get-1 Free dining privileges at Michelin-starred and Michelin-recommended restaurants Pre-order Services Enjoy exclusive pre-order services when exchanging foreign currency for your next trip HSBC Smart Ticketing Leave your mobile phone number with us when getting a queue ticket at a selected HSBC Premier Centre, and you ll receive an SMS message when a counter is available. Stay-2-Get-2 Nights Free hotel stays Earn HKD800 rebate and an extra 800 Asia Miles for transactions of HKD8,000 or above upon booking flight tickets via Cathay Pacific website Discover more offers and check out the terms and conditions by visiting HSBC website. 2 The denomination is subject to stock availability 10 Preferential Benefits Just for You Preferential Benefits Just for You 11

Help Your Family Thrive Benefits range from financial management to providing support for your children s overseas education needs. Education Planning HSBC Premier provides a full range of banking and education support. Exclusive offers from professional education consultants Selection of schools, applications, lessons and assessments Education Seminars Exclusive seminars hosted by education professionals Research Research study The Value of Education to provide you with useful insights on education For details of education consultants offers and research study, please visit www.hsbc.com.hk/premier Setting up overseas banking Personal assistance from our International Banking Centre (IBC), in any country where HSBC operates Manage all your HSBC accounts around the world with a single log-in via Personal Internet Banking Comprehensive support for your children Your children can open an HSBC bank account in most countries they may be visiting or studying in, through our IBC 3, and obtain an ATM 4 card prior to their departure to give you peace of mind Supplementary Premier credit cards 5 in Hong Kong for your children Emergency card replacement 6 and emergency encashment 7 to up to USD2,000 of instant cash from 8,500 HSBC outlets worldwide 3 Service charge for international account opening through IBC: Premier customers - Free of charge Non-Premier customers - Charges apply (please refer to the Bank Tariff Guide or contact IBC staff for details) 4 This is subject to the local age requirement for ATM card service. 5 To apply for a supplementary card, parents are required to be the primary cardholders of Premier MasterCard credit card. The children must be aged 16 or above. 6 Service operated by MasterCard Worldwide and its appointed agent/ third party service provider. 7 Emergency encashment services are available to HSBC Premier customers and their family members who have an account with any member of the HSBC group and subject to local regulations. Family member means immediate family member including spouse, parents and any dependent (namely, sons, daughters, anyone the customer has legal guardianship over). The eligibility of the family members for this service is subject to our sole determination. In case of disputes in relation to the use of this service, our decision shall be final and conclusive. 12 Help Your Family Thrive Help Your Family Thrive 13

Premier Junior Pack Protection For Your Family Premier Mortgage Services With an HSBC Premier Junior Pack 8, you can give your children a head start in financial management. Benefit from: Fund transfers between your HSBC Premier accounts and the Junior Pack Cash Cards for your children, so they can easily withdraw cash from their Junior Pack current accounts all over the world via the HSBC Group s ATM network 9, while you retain ultimate control A separate statement for the Junior Pack account for your children to understand the fundamentals of finance under your guidance At your request, the same Premier 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 their wealth to their children, giving you and your family added peace of mind 8 Junior Pack is only available to children and / or grandchildren (under 18 years of age) of HSBC Premier customers. Premier customers are required to maintain a Total Relationship Balance of HKD1,000,000 or above to be eligible for this service. 9 The UnionPay ATM chip card can access HSBC ATMs worldwide, except in Argentina, France, Greece, Malta, Mexico, New Zealand and Turkey. A broad range of insurance products enable your family to thrive with complete peace of mind. These include: Home content insurance covering personal liability for customer and family, and coverage when outside Hong Kong Medical insurance a comprehensive range of medical cover options for you and your loved ones WholeLife Protection Plan providing you comprehensive lifetime cover and guaranteed long-term savings EarlyIncome Annuity Plan with savings element which enables you to pay in to your early retirement planning Please refer to our website for the comprehensive range of insurance products We offer a range of mortgage solutions and flexible repayment options to meet your needs whether you are buying, trading up, or refinancing your properties. Waivers on the service charge for change of mortgage plan / repayment plan 10 Deposit-linked Mortgage: provides a preferential saving interest rate. Both you and your spouse are eligible to enjoy the preferential saving interest rate Guarantor or joint applicants 11 : you can support your family members mortgage by acting as guarantor or joint applicant. We also accept tri-party mortgage to give you the choice of having different family members acting as mortgagor and borrower 10 You may contact your Premier Relationship Manager to learn more about the waivers on selected mortgage fees and charges. 11 For more details, please contact your Premier Relationship Manager (Retail Banking). 14 Help Your Family Thrive Help Your Family Thrive 15

Expand Your Global Opportunities As a global bank, we are well placed to help you with your international finances. Whether it s you or your money moving around the world, your Premier status is recognised worldwide. Overseas Property Solution HSBC Premier can help you make overseas property purchases with ease. From providing insights to the property market, to supporting you in arranging overseas mortgage, we are here to guide you through. Step 1: Insights to help you understand the markets Property Insights, designed for Premier customers, provide you with all the facts you need for investing in overseas destinations and regular market updates on major cities. Step 2: Support to guide you through the overseas mortgage journey With our global presence, we can help you with your overseas property purchases, apply for mortgage, and set up overseas banking arrangements to facilitate international payments. Step 3: Overseas mortgage applications The International Mortgage Desk provides end-to-end support and assistance to HSBC Premier customers through a team of dedicated mortgage specialists who will follow up on mortgage applications in selected countries 12. 12 This service is available in selected countries. Please contact your Premier Relationship Manager to learn more. Step 4: Overseas banking arrangements You can set up overseas bank accounts with personal assistance from our IBC, to manage your property purchase payments in any country where HSBC operates. 16 Expand Your Global Opportunities Expand Your Global Opportunities 17

Global Banking With both our International Banking Centre and online Global View feature at your service, you can stay a step ahead of everyone else when making cross border transactions. International Banking Centre Our HSBC International Banking Centre (IBC) in Hong Kong is your one-stop connection to HSBC Group offices around the world: More information on IBC: 24-hour IBC hotline: (852) 2233 3888 Email enquiry: internationalbanking@hsbc.com.hk Office address Level 6, HSBC Main Building, 1 Queen s Road, Central, Hong Kong Office hours Monday ~ Thursday : 9am ~ 4.30pm Friday Saturday : 9am ~ 5pm : 9am ~ 1pm 13 You may need to provide additional documents during the account opening process (as requested by the destination country). 14 Some services offered by the IBC depend upon the arrangements made with, and the type of products and services that are available in the relevant overseas locations. These may change at any time without prior notice. 15 Your credit history will be transferred subject to local regulations. Pre-open your overseas accounts 13 International mortgage services Sunday & Public Holidays : Closed Arrange international banking facilities 14 Transfer your credit history to your new country 15 Open an account for your children Office address HSBC at Peninsula, 11/F The Peninsula Office Tower, 18 Middle Road, Tsim Sha Tsui (Exclusive to HSBC Jade/Premier customers by appointment only) Office hours Monday ~ Friday : 9am ~ 5pm Saturday Sunday & Public Holidays : 9am ~ 1pm : Closed 18 Expand Your Global Opportunities Expand Your Global Opportunities 19

Global View and Global Transfer Manage all your personal HSBC bank accounts with one single log-on and enjoy zero processing fee, with near-real time money transfers between your self-named accounts with preferential exchange rates 16. Access Guide: Global View 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 Link up all of your accounts by selecting Add / Remove a country or territory in My banking menu to view all your accounts across HSBC entities worldwide Complete a one-off linking process to other Personal Internet Banking profiles after prompting the security credentials Linking will be effective in all entity systems involved 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 as well Global Transfers Select any of your accounts linked in Global View, then choose if transfer is activated immediately, on the same day, or scheduled for later as a one-off or recurring transaction Worldwide HSBC Premier Status As an HSBC Premier customer, your status is recognised worldwide at HSBC so you can enjoy seamless support wherever you go: Automatic HSBC Premier status in all markets where you bank with HSBC Access to our HSBC International Banking Centres with specialist services to meet your cross-border wealth management needs Emergency lost or stolen card reporting and replacement services 17 for Premier MasterCard provided through the HSBC Premier Emergency Hotline on (1) 314 275 6781 (24-hour collect call lines 18 ), and you have access to emergency cash from over 245,000 outlets across 200 countries / territories Online banking gives you global access to all your HSBC accounts 16 Foreign exchange buy / sell spread is applicable if the transaction involves a currency conversion, including cases where the currencies are pegged. Global Transfer is also available on HSBC HK Mobile Banking 17 Service operated by MasterCard Worldwide and its appointed agent/ third party service provider. 18 HSBC Premier Emergency Hotline is operated by MasterCard Worldwide and its appointed agent or third party service provider. You can contact a local telecom company to arrange a collect call to the United States on (1) 314 275 6781 for English service, or (1) 314 275 6775 for Cantonese service, or (1) 314 275 6779 for Mandarin service. Collect call service is subject to the rules and requirements of the telecom service providers in local countries. If you do not mind being charged for the call, you can also call direct using normal IDD services. 20 Expand Your Global Opportunities Expand Your Global Opportunities 21

Important Information Total Relationship Balance Requirement To qualify for HSBC Premier, you need to maintain a Total Relationship Balance (TRB) 19 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 20 with savings component 21 HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances which are administered by HSBC Life (International) Limited If your TRB (based on average Total Relationship Balance over the last three months) falls below HKD1 million, a Below Balance Fee will be charged. Total Relationship Balance Below Balance Fee 22 HKD1 million or above Less than HKD1 million Free HKD380 per month Should your TRB (based on average Total Relationship Balance over the last three months) remains below HKD1 million for 12 months, your HSBC Premier service tier may be withdrawn. To determine your overall TRB in sole capacity, the applicable TRB of all your personal sole account(s) 23 and all your joint account(s) 24 will be included in the calculation. To determine your overall TRB in joint capacity, the applicable TRB of all your joint account(s) 24 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. 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 25 when overseas (Please contact a local telecom) HSBC Premier Emergency Hotline (24-hour collect call lines) English Mandarin Cantonese (852) 2996 6822 (852) 2233 3388 (1) 314 275 6781 (1) 314 275 6779 (1) 314 275 6775 19 There may be a time lag before the value of certain investment transactions (e.g. Initial Public Offering (IPO) subscriptions for securities, bonds, open-end funds and certificates of deposit) and life insurance policies will be included in the TRB due to the processing time required and therefore may affect the TRB in the Bank s record. 20 The Hongkong and Shanghai Banking Corporation Limited is an insurance agent of HSBC Life (International) Limited, through whom life insurance plans are provided. All life insurance plans are underwritten by HSBC Life (International) Limited. HSBC Life (International) Limited is a wholly-owned subsidiary of The Hongkong and Shanghai Banking Corporation Limited. 21 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 22 Below Balance Fee will be debited from Integrated Savings Account under HSBC Premier. This applies to each of your integrated accounts. 23 All these accounts must be held or registered under the same name(s) and identity number(s). 24 Your name and identity number held or registered under these joint accounts must be the same as that held or registered under your sole account. 25 Collect call service is subject to the telecom service providers in local countries. 22 Important Information Important Information 23

Fund Transfers between Accounts and Bill Payment Self-Service Banking HSBC has set the following maximum daily transfer / payment limits per customer: Personal Internet Banking / HSBC HK Mobile Banking / phone banking Self-Service Banking Facility Fund transfers between accounts on the same card Maximum Daily Limit per Customer Up to available balance Transaction Type Transfers between your own accounts (including joint accounts) 26 Maximum Daily Limit per Customer Up to available balance Fund transfers to other accounts with HSBC and Hang Seng Bank Local ATM 29, 33 HKD400,000 Transfers to registered third party accounts 26 HKD3 million (per third party account) Overseas ATM 29, 33 HKD50,000 Transfer to non-registered third party accounts 28 : HKD400,000 29 Payment by Phone Service (PPS) HKD100,000 per card Channel sub-limits for transfer to non-registered account via Personal Internet Banking Phone Banking HKD400,000 29 HKD50,000 29 Bill payment 29 Service sub-limits for bill payments to: HKD5,000,000 Bill payment HKD5,000,000 Government and Utilities Securities Brokers 31 HKD500,000 HKD500,000 Service sub-limits for bill payments 30 to: Government and Utilities HKD500,000 Sports and Leisure 31 (The Hong Kong Jockey Club) Other merchants (e.g. telecommunications, insurance companies HKD500,000 HKD100,000 Securities Brokers 31 e-ipo for White form application HKD500,000 HKD5,000,000 (for Personal Internet Banking only) Cash withdrawals: Sports and Leisure 31 (The Hong Kong Jockey Club) Other merchants (e.g. telecommunications, insurance companies) Make P2P payment via HSBC Easy Pay 32 (only available on HSBC HK Mobile Banking) HKD500,000 HKD100,000 Up to HKD5,000 Hong Kong Overseas 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. Purchase via EPS or UnionPay 34 HKD50,000 per card 24 Important Information Important Information 25

26 Pre-registration is required for transfer to joint accounts. To register joint accounts, please visit any HSBC branch in Hong Kong. Transfer to other local bank s accounts is not supported by phone banking. All overseas HSBC accounts (including same name sole accounts) are considered as third party accounts. Preregistration is required for transfer to third party and joint accounts. To register third party and joint accounts, please visit any HSBC branch in Hong Kong or log on to Personal Internet Banking this service is only available to customers with Security Device or Mobile Security Key 27. To effect third-party fund transfers via phone banking, HSBC Mobile Banking and / or Personal Internet Banking, please complete the Personal Internet Banking / phone banking / ATM Transaction Limit Revision Request Form available at any HSBC branch or download via HSBC website. 27 Mobile Security Key is equivalent to the physical Security Device. Both provide extra protection for your accounts and transactions. Mobile Security Key is a feature within the HSBC HK Mobile Banking app and is used to generate a unique, one-time use security code in order to log onto Personal Internet Banking and access to full range of Personal Internet Banking services. It also makes logging on to the HSBC HK Mobile Banking app quicker and easier. Fingerprint authentication is an easy alternative to using your Mobile Security Key password. It allows you to log on and authorise transactions in the HSBC HK Mobile Banking app using just your fingerprint. 28 To effect non-registered fund transfer through phone banking and / or Personal Internet Banking, please complete the Personal Internet Banking / phone banking / ATM Transaction Limit Revision Request Form at any HSBC Premier Centre or HSBC branch in Hong Kong. Not applicable for HSBC HK Mobile Banking. 29 The maximum daily transfer limit of HKD400,000 to be shared by all the available channels (the respective maximum sub-limit for local ATM and Personal Internet Banking is HKD400,000, and for overseas ATM and phone banking is HKD50,000). 30 For HSBC HK Mobile Banking, bill payee accounts have to be registered first on Personal Internet Banking. 31 Optional facilities. 32 HSBC Easy Pay is a P2P payment service within HSBC HK Mobile Banking, which enables HSBC Personal Internet Banking customers to send and transfer up to HKD 5,000 each day to anyone who is an HSBC Personal Internet Banking customer or Hang Seng Personal e-banking customer with an eligible account. 33 Fund transfers to non-registered accounts via ATM is only available within and between HSBC and Hang Seng Bank accounts and for ATMs in Hong Kong only. For fund transfer to non-registered accounts via overseas HSBC s ATMs, it is only available within and between HSBC accounts. The overseas ATM daily transfer limit (to non-registered accounts) for all ATM cards and credit cards was pre-set to HK$0. Please log on to Personal Internet Banking by using Security Device or Mobile Security Key 27, or download the application forms available at www.hsbc.com.hk, or contact any HSBC branch in Hong Kong for activation. 34 The UnionPay feature is only applicable to HKD accounts (does not support RMB accounts). Please note that in addition to your PIN, your signature is required for a transaction to be effected via the UnionPay network. Security Tips for Personal Internet Banking, HSBC Mobile Banking, phone banking and ATM Password / PIN / User ID / Security Device / Mobile Security Key 35 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 information 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 information in our emails other than your name for personalisation purposes, nor ask you to confirm any personal data by replying to our email 36 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 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.) 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 35 Mobile Security Key is equivalent to the physical Security Device. Both provide extra protection for your accounts and transactions. Mobile Security Key is a feature within the HSBC HK Mobile Banking app and is used to generate a unique, one-time use security code in order to log onto Personal Internet Banking and access to full range of Personal Internet Banking services. It also makes logging on to the HSBC HK Mobile Banking app quicker and easier. Fingerprint authentication is an easy alternative to using your Mobile Security Key password. It allows you to log on and authorise transactions in the HSBC HK Mobile Banking app using just your fingerprint. 36 The only exception is when responding to your enquiry, our Customer Service Officers may contact you via email whereby 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 Personal Internet Banking and you are required to log on using your User ID and password to access such email. 26 Important Information Important Information 27

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 information is protected and blocked from unauthorised access via another website 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 HK Mobile Banking Usage Precautions Do not store your Personal Internet Banking username and password and Mobile Security Key 35 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 HK 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 HK Mobile Banking If your Mobile Security Key 35 activated handsets are lost or stolen, call us and we will immediately suspend your Personal Internet Banking to prevent anyone else from accessing your account Better set up auto-lock and enable passcode lock to prevent unauthorised access of your handsets Use default browsers originally provided by mobile handsets rather than newly installed browsers downloaded from other sources Don t use any jailbroken or rooted handsets which may have security loopholes to log on to Personal Internet Banking / HSBC HK Mobile Banking Don t install applications on your mobile handsets from mistrusted sources Always type in address www.hsbc.com.hk directly into the browser to avoid going to fraudulent websites Personal Internet Banking website has adopted EV SSL Certificate (Extended Validation SSL Certificate). For Safari browser, a padlock and the bank name will be shown in green at the top of the browser. (Note: the padlock and the bank name may be hidden at some screens and they will be shown up by scrolling down the screen manually.) For the full set of security tips of HSBC HK Mobile Banking, please visit www.hsbc.com.hk/personal/helpand-support/online-security.html 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 When using Wi-Fi connection, use trusted Wi-Fi networks or service providers and enable security protection such as Wi-Fi Protected Access (WPA), if possible 28 Important Information Important Information 29

ATM Using your ATM Card from HSBC is safe and secure. For new ATM Card that is delivered to you by mail, you should call our ATM card activation hotline to confirm receipt and activate your new card immediately Please sign your name, using a ball point pen, on the signature panel on the back of your card immediately upon receipt Keep your ATM card in a safe place. Report card loss immediately through our 24-hour HSBC Premier Hotline on (852) 2233 3322 or visit any HSBC branch in Hong Kong When you are instructed to take your card from the ATM machine, do not push it back into the Insert Card slot Never give your ATM card to anyone If you observe any suspicious device (e.g. pin hole camera) or activity (e.g. shoulder surfing), contact our Bank staff during office hours or call our 24-hour HSBC Premier Hotline on (852) 2233 3322 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 keep your receipt and do not leave it at or near the ATM Check the transactions on your HSBC Premier statement Do not place your card close to any magnetic material, e.g. electronic devices, mobile phones, etc Keep your ATM Card safe and inform the Bank immediately if you lose it Remember to take your card after each transaction Do not force your card into the machine Notes Securities Risk Disclosure The purchase and sale of securities involve an element of risk and prices of securities are subject to downward and upward adjustment, and may become valueless The risk of loss in margin trading is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral Apart from withholding tax issue, trading of U.S. stocks may have other U.S. tax and / or legal implications. Please seek professional advices from independent tax and / or legal adviser if necessary before investing Investment in China A shares through Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities Bonds / CDs Risk Disclosure Bonds / CDs are mainly for medium to long term investment, not for short term speculation. You should be prepared to invest your funds in bonds / CDs for the full investment tenor; you could lose part or all of your investment if you choose to sell your bonds / CDs prior to maturity Indicative bonds / CDs prices are available and bonds / CDs prices do fluctuate when market changes. Factors affecting market price of bonds / CDs include, and are not limited to, fluctuations in Interest Rates, Credit Spreads, and Liquidity Premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds / CDs If you wish to sell the bonds / CDs purchased through HSBC, HSBC may repurchase them based on the prevailing market price under normal market circumstances, but the buying price may differ from the original selling price due to changes in market conditions There may be exchange rate risks if you choose to convert payments made on the bonds / CDs to your home currency Please refer to the offering documents of the respective bonds / CDs products for details, including risk factors It is the issuer to pay interest and repay principal of bonds / CDs. If the issuer defaults, the holder of bonds / CDs may not able to receive back the interest and principal. The holder of bonds / CDs bears the credit risk of the issuer and has no recourse to HSBC unless HSBC is the issuer itself The secondary market for bonds / CDs may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not in line with the expectations of holders of bond / CDs If bonds / CDs are early redeemed, you may not be able to enjoy the same rates of return when you re-invest the funds in others investments 30 Important Information Important Information 31

Unit Trust Risk Disclosure Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc.) may also involve a higher degree of risk and are usually more sensitive to price movements The fund is subject to counterparty risk that there is the possibility of insolvency, bankruptcy or default of the counterparty with which it trades financial derivative instrument contracts outside of recognised exchange. This could result in substantial loss of the fund Credit Risk/Interest Rate Risk a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities Counterparty Risk a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognised exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organised exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counter party Structured Products Risk Disclosure Please refer to the offering documents of the respective Structured Products for details, including risk factors The product is subject to counterparty risk that there is the possibility of insolvency, bankruptcy or default of the counterparty with which it trades financial derivative instrument contracts outside of recognised exchange. This could result in substantial loss to the product Gold Risk Disclosure The product is subject to the issuer risk of HSBC relying on both the actual and perceived measures of the credit worthiness of the Bank and there is no assurance of protection against a default by the Bank in respect of its repayment obligations. Please refer to the Wayfoong Statement Gold factsheet for further details When investing in gold, customers should be aware that the price of gold may go down as well as up. Investment in gold are subject to investment risk, including the possible loss of principal invested and are not insured by any government agency The Hongkong and Shanghai Banking Corporation Limited is not liable for any failure or delay in meeting its obligation due to any causes beyond its control which shall include fires, storms, acts of God, riots, strikes, lock-outs, wars, governemental control, restriction or prohibition whether local or international, technical failure of any equipment, power failures, black-outs or any other cause which results or is likely to result in the erratic behaviour of the commodity prices, the closure of international gold markets and the local gold and silver exchange or any other cause affecting the operation of the Wayfoong Statement Gold Unit sales / purchase prices quoted by us take into account the prevailing world market price for gold, the exchange rate between the United States dollar and the Hong Kong dollar, and the gold fineness of the troy ounce and mace Life Insurance Notes The life insurance plans are underwritten by HSBC Life (International) Limited ( HSBC Life ) which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited (referred to as HSBC ) is an insurance agent of HSBC Life. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life s assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group s insurance underwriting subsidiaries. Mandatory Provident Fund (MPF) Risk Disclosure You should consider your own risk tolerance level and financial circumstances before making any MPF investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objective), you should seek financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances. Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant Principal Brochure HSBC Life (International) Limited is the administrator of the HSBC MPF schemes 32 Important Information Important Information 33