HSBC Premier Service Guide 30 November 2020

Together we thrive

moreYour

uniquebanking experience

you for success

Our service to you starts here in Australia and extends to wherever you are in the world.

Other banking services fees and charges may apply.*Dependant on your product type and size of the relationship. You can request a Relationship Manager if one has not been allocated to you.#Markets where HSBC Premier is available, subject to terms and conditions in the local market.^Excluding courier time and postage time.

Always there, wherever and whenever you need usWherever life takes you, you’ll have access to our round-the-clock service to take care of banking support:

• The option of a dedicated Relationship Manager.*

• Global View gives you a single view of all your HSBC accounts globally.

• Global Transfers offers instant, fee-free international fund transfers between your HSBCaccounts.

• A dedicated HSBC Premier 24-hour phone banking service provides preferential access.

• Automatic HSBC Premier status in all markets# where you bank with HSBC (when youmeet the minimum requirements in your home market).

• International account opening before you arrive at your new destination at no charge.

• Access to over 350 HSBC Premier Centres worldwide1, providing specialist services tomeet your overseas banking needs.

• 24-hour credit card replacement^ if you lose your HSBC Premier World Mastercard®.

• Access to preferential HSBC Australia foreign exchange rates for currencies we offer,during market open times, within your HSBC Australia accounts.

• Emergency cash up to USD2,000 can be arranged at any HSBC branch worldwide2.

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Preferential rates and benefits The Award Winning HSBC Everyday Global Account.

It is an all-in-one everyday bank account allowing you the option to hold single or a combination of foreign currency accounts under a single account number with a Visa Debit Card. This account is ideal for:

• Everyday banking. Pay bills and deposit your salary with no monthly account service fee3 and no HSBC ATM or purchase fees anywhere in the world. Plus, if you deposit AUD2,000 or more into your account each month, earn 2% cashback4 on eligible purchases under $100 when you tap and pay using Visa payWave, Apple Pay or Google Pay™5.

• Foreign currency. Buy, hold, transfer and spend in up to 10 currencies in your account6. Transfer between currencies at competitive rates 24/7 to make the most of currency movements as they occur.

• Shopping and travel. Pay like a local online or instore in foreign currencies anywhere in the world with no international purchase fees.

Additional benefits you receive as a Premier customer include:

• Automatically receiving preferential rates^ when you exchange certain currencies using Online Banking and Mobile Banking between your HSBC Australia accounts or when you make transfers out of HSBC Australia within currency cut-off times.

As an HSBC Premier customer, enjoy our prestigious local banking products and services.

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The HSBC Everyday Global Account was awarded the 5-Star Rating for Outstanding Value – Travel Debit Card in September 2018/2019 and Outstanding Value – Transaction Account April 2020. The HSBC Everyday Global Account was awarded the Gold Award for ‘Best Bank Account’ by Rate City May 2020.

Note: HSBC Premier transactional banking benefits are accessed through a HSBC Everyday Global Account, however, existing Premier customers with a Premier Cash Management Account can find more information at hsbc.com.au/help/discontinued-accounts/

^Preferential rates will not apply when you automatically exchange from AUD at the time of a withdrawal or purchase.

AUD

USD

GBP

EUR

HKD

CAD

JPY

NZD

SGD

CNY ∞

∞ Currency restrictions apply

Globally connectedA Global View of all your accounts

HSBC Premier is truly an account for the international mindset giving you the ability to experience one view of all your HSBC bank accounts in various countries and currencies. You can also make instant international transfers at no extra charge between them with HSBC Premier’s Global Transfer feature.

Global View

• View the balance of all your linked HSBC accounts together on one screen.

• A single Global View log-in showing all HSBC Premier personal accounts across different countries and currencies.

• Enjoy Global View anytime, anywhere with Mobile Banking.

Global Transfers

• Instant transfers between your linked international and domestic HSBC Premier accounts, at no extra charge.

• Preferential real-time foreign exchange rates17 on supported currencies, including future dated and recurring transfers.18

• Transfer funds 24 hours a day, 7 days a week.

• Generous single transfer limit allows you to transfer larger amounts between your eligible accounts at our competitive rates.

Wherever you find yourself, you’re connected. See all your linked accounts in one place. Make instant transfers when you need to.

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HSBC Premier Credit Card by Mastercard®• Reward Points on your choice of two reward programs:

HSBC Rewards Plus – $0 annual fee, earn up to 1.5 HSBC Reward Points10 on eligible domestic and international purchases11. Redeem on a range of shopping, travel, merchandise rewards or transfer points to leading airline reward programs including Asia Miles and Singapore Airlines’ KrisFlyer.

HSBC Qantas Rewards – $99 annual fee, earn up to 1 Qantas Point12 on eligible purchases11, complimentary Qantas Frequent Flyer membership when you join, directly earn Qantas Points and redeem for travel or merchandise via Qantas Frequent Flyer Program.

• Complimentary insurance* benefits including International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance and Purchase Protection Insurance13.

• Enjoy the simplicity and convenience of Mobile Payments5, including Apple Pay and Google Pay™ on all HSBC cards†.

• Additional credit cardholders at no extra cost.̂

• We’ll process your request to replace your credit card within 24-hours and at no cost14 in the event of theft or loss.

• Visit mastercard.com.au/world to be the first to know about the latest offers.

For more information go to hsbc.com.au/premier

The HSBC Premier World Mastercard®. Make the most of having two different ways of being rewarded.

9Premier Credit Card

Minimum credit card limit of $10,0009. *Eligibility criteria and conditions apply available at hsbc.com.au or call 1800 648 093.† Excludes Corporate cards. ^Other fees and charges apply.

HSBC Home Loan Package discount for Premier customers The HSBC Home Loan Package offers a discounted interest rate and a waiver of settlement, establishment and valuation7 fees on some of our most popular home loans.8

Premier customers enjoy a discounted HSBC Home Loan Package fee.

HSBC Home Loan Package available with new borrowings to HSBC of $150,000 or more on loans offered as part of the package.

Discounted annual package fee is available while you remain an HSBC Premier customer and otherwise reverts to the standard package fee at the time of annual fee charge.

Additional benefits you will get as an HSBC Australia customerIn addition to the HSBC Premier benefits above, as an HSBC Australia customer you will also enjoy, depending on what account you have:

• Unlimited fee free withdrawals from HSBC ATMs15 and Branches.

• Assistance with accessing credit in overseas countries.

• HSBC Rewards Plus program (available on some HSBC credit cards).

• 24 hours HSBC Customer Service hotline.

• Exclusive use of the HSBC Markets Desk to access a dedicated team of FX Specialists for you to discuss your FX needs and trades over the phone.16

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We want you to be more comfortable, wherever you choose to live or invest in property.

Further benefits

Gaining and retaining Premier statusYou can access exclusive HSBC Premier benefits provided you satisfy the following:

• “Premier balance” qualification – a minimum of AUD150,000 equivalent* in savings with HSBC Australia;

or

• “Premier money in” qualification – a minimum of AUD9,000 per month into an HSBC Australia transaction account or savings account^

and

• Holding an HSBC Everyday Global Account which you must maintain.

Premier customers (excluding International Premier and Jade, Commercial Relationship and Private Banking Clients) must continue to meet the Premier eligibility criteria. If you fail to meet the criteria for 6 months consecutively then your Premier status will be removed.

You will receive notifications from HSBC in advance of your Premier status being removed to give prior warning.

If you are not a Premier customer but meet the Premier qualifying criteria for 6 consecutive months then you may be upgraded to Premier status. This comes at no cost and you will have access to the Premier benefits outlined in this Premier Service Guide.

You will receive notifications from HSBC in advance of your status being upgraded to Premier.

Premier eligibility

Make the most of a world of benefits. Dedicated support, global access and preferential rates.

*Excluding balances held in the HSBC Offset Savings Account. Savings held in foreign currency contributes to the AUD150,000 in savings criteria. HSBC has the discretion to determine the AUD equivalent foreign currency amount based on our own internal currency exchange rate calculation.^This includes funds paid into any HSBC Australia transaction account, savings account or mortgage offset account. It excludes funds paid straight into a home loan, funds deposited in foreign currency and funds transferred from another HSBC Australia account, including from another HSBC customer.If you are a HSBC International Premier or Jade customer you can request Premier status in Australia by providing evidence of your Premier status in another country. If you are an executive with one of our Commercial Banking clients you can request Premier status by providing evidence that you are a Commercial Banking client executive. If you are a Private Bank client in Australia you can request Premier status by providing evidence that you are a Private Banking client.

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Accessing PremierThe following three examples show how joint customers can obtain Premier status by regular monthly deposits across accounts.

Joint customer – Premier qualification example – Regular Money In $9,000+ across accounts held individually or jointly

Customer Account Type

Total deposits in the month

Total Premier qualifying deposits

Qualified for Premier

Customer C & Customer D Joint $2,000 $2,000 7

Customer C Sole $3,000 $3,000 (sole) + $2,000 (joint) = $5,000 7

Customer D Sole $9,000 $9,000 (sole) + $2,000 (joint) = $11,0003

(based on $9k in sole a/c)

In this example Customer D would qualify for Premier status but Customer C would not

Joint customer – Premier qualification example – Regular Money In $9,000+ across accounts held individually or jointly

Customer Account Type

Total deposits in the month

Total Premier qualifying deposits

Qualified for Premier

Customer E & Customer F Joint $4,000 $4,000 7

Customer E Sole $2,000 $2,000 (sole) + $4,000 (joint) = $6,000 7

Customer F Sole $5,000 $5,000 (sole) + $4,000 (joint) = $9,000

3(based on $9k in total sole +

joint a/c)

In this example Customer F would qualify for Premier status but Customer E would not

Joint customer – Premier qualification example – Regular Money In $9,000+ across accounts held individually or jointly

Customer Account Type

Total deposits in the month

Total Premier qualifying deposits

Qualified for Premier

Customer G & Customer H Joint $9,000 $9,000

3 (based on $9k

in joint a/c)

Customer G Sole $0 $0 (sole) + $9,000 (joint) = $9,000 3

Customer H Sole $0 $0 (sole) + $9,000 (joint) = $9,000 3

In this example both Customer G & Customer H would qualify for Premier status

Below is an example of how joint customers can obtain Premier Status based on their savings in the account/s.

Joint customer – Premier qualification example – Savings $150,000+

Customer Account Type

Account Balance

(month end)

Total Premier Qualifying Balance

Qualified for Premier

Customer A & Customer B Joint $50,000 $50,000 7

Customer A Sole $125,000 $125,000 (sole) + $50,000 (joint) = $175,000

3 (based on

>$150k in sole + joint a/c)

Customer B Sole $75,000 $75,000 (sole) + $50,000 (joint) = $125,000 7

In this example customer A would qualify for Premier status but customer B would not

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Important informationFees and chargesFees and charges for HSBC Premier are contained in the applicable product terms and conditions.

VariationWhere we change or withdraw the HSBC Premier benefits, features or eligibility criteria to your disadvantage we’ll give you 30 days’ notice in writing. We’ll otherwise notify you of any change as soon as practicable, before the change takes place, where the change benefits or doesn’t disadvantage you. Some of the things we might change are:

• eligibility criteria; • preferential pricing for our products and services; • new pricing for our products and services; • the HSBC Premier terms and conditions.

When benefits cease, and termination of the HSBC Premier AgreementYou won’t be eligible for HSBC Premier if:

• we tell you you’re not eligible anymore; or • you’ve broken any part of the HSBC Premier Terms and Conditions; or • we don’t offer HSBC Premier anymore.

You can cancel HSBC Premier by completing our account closure form. Your cancellation will happen within 30 days of you giving this form to us.

We’re here to support your individual needs. Tailoring services and support around your personal economy.

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13. The insurance policy is issued by and underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162 AFSL 232595 acts as an agent for Allianz in providing its arranging and referral services and may provide general advice in relation to the products mentioned. We do not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Product Disclosure Statement (PDS) before you make a decision. A copy of the PDS is available at hsbc.com.au, by visiting an HSBC branch or calling 1300 308 008. HSBC receives commission, which is a percentage of the premium, details can be provided on request. HSBC does not guarantee or accept liability for any products offered by Allianz.

14. Applies only if you have an HSBC Premier World Mastercard®. Card replacement services are operated by Mastercard® International and its appointed agent/third party service provider, and may not be possible in certain circumstances beyond their control which include difficulties in locating you.

15. Non HSBC ATM owners/operators may charge an ATM Operator Fee for withdrawals or balance enquiries at their ATMs.

16. Minimum Markets Desk foreign exchange trades apply or as accepted by the Bank. For more information, refer to hsbc.com.au/foreign-exchange/fx-service/

17. Preferential exchange rates will apply for supported currencies, AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, NZD, SGD, USD, and ZAR to make international transfers between your HSBC Accounts using Global Transfer when the foreign exchange (FX) market is open (excluding weekends, currency and US holidays). When the FX market is closed on weekends (that is from the US market closing time on Friday to the opening time of the Asia market on Monday), the exchange rate which will apply for international transfers between your HSBC accounts is the exchange rate applying at the time the US market closed plus an additional weekend spread. For transfers in unsupported currencies using Global Transfer, the receiving country’s daily exchange rate will apply and currency cut-off times of the receiving country may also apply. FX transactions are subject to foreign exchange risk associated with exchange rate movements. HSBC FX accounts should not be used for speculative purposes.

18. The exchange rate applied to future dated and recurring transfers using Global Transfer is the exchange rate applicable on the day the transfer is processed.

Premier terms and conditions

Eligibility criteria and the HSBC Premier Terms and Conditions apply. The HSBC Premier benefits, features and eligibility criteria set out within this brochure are current as at 30 November 2020.

1. As well as over 350 HSBC Premier Centres, there are around 8,500 HSBC service points around the world.

2. You may borrow up to USD2,000, and further amounts may be made available upon application, assessment and approval by HSBC. Funds will only be provided in countries where HSBC is located and where you present adequate identification (such as your Passport, HSBC Premier World Mastercard® or HSBC Premier Visa Debit Card). You can request advance information about any fees, charges and interest that may apply. HSBC will only advance these funds if the laws of the country you’re in allows us to do this, and will be subject to your HSBC product terms and conditions.

3. Other banking services fees and charges may apply. Eligibility criteria, exclusions and terms and conditions apply.

4. You will earn 2% cashback on eligible purchases under $100 when you tap and pay with Visa payWave, Apple Pay or Google Pay™. This will be paid into your Everyday Global Account with the maximum cashback you can earn being $50 per calendar month. Eligible purchases must be made in Australian Dollars and where the merchant or its financial institution/ payment processor is registered in Australia. Purchases which are excluded for cashback include business, gambling and government transactions (including public transport). For full exclusion list, refer to the HSBC Transaction and Savings Account Terms.

5. Mobile Payments, including Apple Pay and Google Pay™, can be used wherever you can make contactless in store purchases and online at participating retailers where the logo are displayed. For a list of compatible Apple Pay devices, see support.apple.com/km207105. For a list of compatible Google Pay™ devices, see support.google.com/pay/#topic. In order to use Apple Pay or Google Pay™ you must agree to the HSBC with Apple Pay or HSBC with Google Pay™ Terms and Conditions available at hsbc.com.au/ways-to-bank/mobile-banking/

6. Funds can only be held in one of the 10 listed currencies available on the Everyday Global Account. Where a currency is not one of the 10 listed currencies or is the restricted currency CNY¥, purchases and ATM withdrawal amounts will be automatically deducted and converted from the AUD account into the local currency at the Visa exchange rate.

7. Standard valuations only

8. Eligible loans are Standard Variable Rate, Home Equity, Home Smart, Fixed Rate and Construction

9. HSBC Premier World Mastercard® is based on a credit limit of $10,000. HSBC Lending Criteria Applies.

10. Rewards Plus Program terms and conditions apply.

11. Eligible purchases exclude interest free promotions, balance transfers, business expenses, cash advances, fees and charges, any disputed transactions, reversed transactions, BPAY® and any Government fee or charge. Rewards program terms and conditions apply. Visit hsbc.com.au/credit-cards/terms/

12. Qantas Points accrue in accordance with and subject to the HSBC Qantas Rewards terms and conditions. You must be a member of the Qantas Frequent Flyer program and provide your valid membership number to HSBC in order to earn and redeem points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. Eligible purchases exclude interest-free promotions, balance transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any Government fee or charge.

Visit HSBC’s Premier CentreCall 1300 131 605 or +61 2 9005 8114 (overseas), Monday – Friday, 8am – 8pm (AEST)

hsbcpremier.com.au

Issued by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595.

HBAAGEN002-R07 1020

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