HSBC Premier: The ultimate in personal . · PDF fileWelcome 5 Introducing your personal...

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HSBC Premier: The ultimate in personal service.

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Welcome 5

Introducing your personal economy 7

What makes HSBC Premier special? 9

HSBC Premier features 19

Important information 35

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Content Welcome Introducing your personal economy

What makes HSBC Premier special? HSBC Premier features Important

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Welcome and thank you for choosing HSBC Premier. We have travelled the world with the single aim of understanding the needs of our customers better than ever before. In this process we have come to appreciate that you live varied, complex and interesting lives. We also appreciate that many of you are experts in your field, highly driven and successful. It is why at HSBC Premier we have developed a standard of service that lives up to your expectations. A service that is tailored to each of your unique and individual need.

In this pack we would like to introduce to you to the many benefits and services we offer you as a Premier customer. If you have any further questions please do not hesitate to contact your Relationship Manager.

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Welcome



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Our sole aim at HSBC Premier is 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 banking support for your personal economy. We can do this in 4 unique ways.

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Introducingyourpersonaleconomy.



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HSBC Premier features

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What makes HSBC Premier special?



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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.

• An accredited and knowledgeable Premier Relationship Manager supported by a team of wealth and transactional specialists

• Specialist advice and financial planning, to help you fulfil your hopes and dreams, and realise your ambitions

• Access to the expertise provided by HSBC’s Global Markets, Asset Management and Insurance businesses

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A dedicated Relationship Manager plus a team of global experts.

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At HSBC we take your personal economy personally. We are committed to serving your needs, and rewarded when you are satisfied. To help make sure your needs are served, we offer extensive advice in the areas of protection, education, retirement, managing and growing wealth. We also give you access to your investments online, making it easy to manage them remotely.

• Comprehensive wealth solutions to support your needs across Protection, Education, Retirement, Managing Wealth Growth, and Legacy

• Personal satisfaction as a priority. Our Relationship Manager’s success is measured on how well they support your personal economy

• Digital solutions to help you easily access and manage your investments

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We measure our successon how satisfiedyou are.

Note: The remuneration for sales staff is determined based on the staff’s overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers. It is not determined solely on financial performance.



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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 teams in person, to checking it online, you can feel reassured that wherever life takes you, we’ll be there, taking care of your personal economy.

• HSBC Premier status in all markets you bank with HSBC

• Personal Internet Banking and HSBC Mobile Banking give you global access to all your HSBC accounts

• Free international fund transfers between your HSBC accounts

• International account opening before you arrive at your destination in all HSBC Premier countries where regulations allow

• Access to our Premier International Centres, providing specialist services to meet your cross-border wealth management needs

• Emergency card replacement and emergency encashments at any HSBC branch worldwide

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There for you wherever and whenever you need us.



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As a Premier customer, you have 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 customers

• Pre-approved Premier Credit Card with perpetual fee waiver and best-in-class privileges programmes

• Free supplementary credit cards, and emergency assistance extended to the immediate family

• Digital Counter Services allow you to view real-time counter traffic at HSBC Premier Centres, get a counter service ticket and make a booking from anywhere. Please visit www.digitalcounterservices.hsbc.com.hk or our Mobile Banking app to experience the services

• Preferential access to our dedicated 24-hour manned phone banking service

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Preferential access to privileged offersand services.



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HSBC Premier features



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Wealth expertise

Perhaps you want to accumulate secure funds for a comfortable retirement or your children’s education. Alternatively, you might crave the high growth potential of less predictable investments. HSBC Premier can find the right people to help you whatever your financial plans are.

Financial Planning and Regular Review

• We offer sophisticated analysis of your current portfolio and future financial needs to help you work out practical plans according to your risk appetites to realise your wealth potential

• Strategic Financial Planning: A sophisticated financial planning tool that helps our Relationship Managers evaluate your needs, prioritise your goals, identify any financial gaps and assess your risk capacity to give you the most suitable solutions

Timely Market Information Helping You Keep on the Pulse of the Global Market

• “Investment Perspective” – provides you with in-depth analysis of global markets to help you make informed investment decisions

• “Horizon” – monthly investment eNewsletter to keep you updated on the latest market development

Consolidated Statements

• Clear and precise consolidated statement capturing your entire financial portfolio under your Integrated Account – HSBC Premier and any other accounts you hold at HSBC

Comprehensive Wealth Management Products

• Comprehensive range of wealth management products and services to help you leverage on the most appropriate wealth management solutions and product ideas to achieve your financial goals

• Multi-channels enabling you to place investment orders anytime

(a) Exclusive 24-hour HSBC Premier Hotline (852) 2233 3322

(b) Personal Internet Banking www.hsbc.com.hk

(c) Stock Express www.hsbc.com.hk/stockexpress

(d) HSBC Mobile Banking via iPhone, iPad, iPod touch or Android devices. Please visit our website www.hsbc.com.hk for details

(e) HSBC Premier Centres in Hong Kong

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.



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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.

Securities Services1

• You can trade H.K. stocks, U.S. stocks and China A shares through our one-stop securities trading service using one account

• You can place your orders, enquire about the status of your order, and obtain share price and market information via

(a) HSBC HK Easy Invest app

(b) Personal Internet Banking www.hsbc.com.hk

(c) Stock Express www.hsbc.com.hk/stockexpress

(d) HSBC Mobile Banking

(e) HSBC Premier Express Stock Order Placement Hotline on (852) 2996 6822 (for local securities, China A shares and margin trading only)

You can also get the pre-set stock price or market index alert and receive order results through our free eAlerts short message service

• Through our comprehensive order management tools, including Stop Loss Limit Orders, Target Buy Sell Orders, or Two-Way Limit Orders, you can manage your orders to protect unrealised gains and/or minimise any potential losses during volatile market conditions

• Now you can enjoy free access to Thomson Reuters stock reports on U.S. stocks and China A shares via Stock Express. You can also use stock screener to compare stocks performances and pick the stocks of your choice for U.S. stocks and China A shares

• All securities will be placed under the safe custody of HSBC through our nominee service that ensures all dividends and bonus shares are credited to your account

HSBC HK Easy Invest

Trade on the go with our fast and secure stock trading mobile app.

• What you can do:

Trade securities instantly with Quick Buy and get real-time market information including sectors’ performance and personalised news in three major stock markets (Hong Kong, China A and US).

• Simple and secure:

Secure access using any of our secured log on methods. Our strong data encryption lets you keep valuable data such as login, personal and trading information safe.



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• Getting started is easy:

To use this app from HSBC, all you need is to have an investment account with us. You can then download and log on using your HSBC Personal Internet Banking details.

Note:

The app has been specially built for our Hong Kong customers. You must be an investment account holder to use this app.

Apple, the Apple logo, iPhone and Touch ID are trademarks of Apple Inc., registered in the US and other countries.

App Store is a service mark of Apple Inc.

Google Play™ is a trademark of Google Inc. Android™ is a trademark of Google Inc.

Stock shown is for illustration purpose only.

The screen displays and the images of the website are for reference and illustration purposes only.

Bonds and Certificates of Deposit (CDs) 3

• As the Best and Most Preferred Bond Investment Service Provider4 for retail customers, HSBC brings you wide range of high quality bonds and CDs with various tenors in major currencies and subscription amount as low as USD1,000

• Our one-stop bonds and CDs investment services include Initial Public Offering (IPO) subscription and trading in secondary market. You can buy or sell bonds / CDs with no safe custody fee, interest collection fee and redemption fee at maturity. You may also enjoy flexibility to sell-back to HSBC to realise potential capital gains before maturity

• With our online retail bonds and CDs purchase service from Personal Internet Banking, you can access to intelligent bond search and comparison capability with actionable market information to learn more bond investment ideas, in addition to the straight-through bonds and CDs order placement and execution

Unit Trust Services5

• Unit trusts let you diversify and broaden your portfolio across different sectors and countries, diversifying the risk that a single investment can carry. You may invest locally or in overseas markets that are normally inaccessible to individual investors in a wide range of open-end funds managed by world-renowned fund houses and selected by HSBC’s global investment experts

• FundMax, a pioneer fund investment solution with one single fee6 for unlimited unit trust transactions, allows you to invest and rebalance your portfolio at any time against market changes without paying multiple transaction charges upfront

• Fund Express helps you evaluate and compare different funds for simple and self-directed fund selection

• Our Unit Trust Monthly Investment Plan offers you the flexibility to pre-set your investment timeframe or target the market value to accumulate from the plan in order to achieve your financial goals

Structured Products7

• In addition to the traditional investment options, we offer a comprehensive range of structured products linked to different underlying financial instruments to best meet your investment views and portfolio diversification needs

• Exclusive Online Placement Service of Structured Investment Deposits – we offer comprehensive choices of interest rates and currencies linked products to our HSBC Premier customers to help you capture market opportunities

• Equity Linked Investments (ELI)8 – a yield enhancement investment that links to most Hang Seng Index or Hang Seng China Enterprises Index Constituent, Exchange Traded Fund and including some of the eligible Hong Kong stocks under Shenzhen-Hong Kong Stock Connect. If the stock price moves as anticipated, you can capture enhanced potential return

• Deposit Plus (DPS)9 – a deposit linked with a currency option that enables you to take advantage of exchange rate fluctuation to capture enhanced potential return

Foreign Currency and Renminbi Services

• 24-hour Currency Exchange Service – you can trade currency around-the-clock10 with real-time tradable rates from a selection of 10 major currencies11, and Renminbi at competitive exchange rates

• FX Order Watch Trading Services – set your own target exchange rate to convert funds automatically within your accounts, and/or to receive alert when the designated rate is hit

• Forex/Renminbi Switching Service12 – manage your exchange needs with increased flexibility by pre-setting your switching criteria, including target exchange rate, transaction amount and frequency. We will switch funds to/from your accounts accordingly when your pre-set criteria is met

• Basic Renminbi (RMB) Services13 – we offer you RMB savings and current accounts, RMB time deposits, RMB remittance services and credit card services to meet your financial needs. You can remit RMB funds from your RMB account with HSBC in Hong Kong to your RMB account outside Hong Kong. Our Dual Currency credit card consists of both Hong Kong Dollar (HKD) and Renminbi (RMB) credit card accounts. Card spending in HK and overseas will be settled in HKD card account while spending in mainland China will be settled in RMB card account. It gives you recognition, spending privileges and special offers in the Mainland

• Margin FX Trading Services14 – helps you trade faster and easier to maximise your potential returns in foreign currency margin trading. Designed for active traders, the platform provides cutting edge trading tools to assist in monitoring and managing currency positions, in real-time

Gold15

• We offer gold in form of statement gold service without physical gold delivery. It is competitively priced in both local and international markets. There is no handling charge other than the actual buying or selling price at the time of the transaction



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Insurance16

A range of life and general insurance plans to suit your needs throughout different stages of your life.

Life Insurance

Wide range of life insurance plans to suit various life goals, offering choices on whole life protection plans with savings, pure life insurance plans with fixed term, annuity insurance plans, target savings insurance plans, universal life plans and critical illness protection plan.

Medical Insurance

Whether you want access to private hospital treatment, daily cash benefits while being hospitalised, outpatient care protection, or access to world-class treatment if you suffer a critical illness, we have a plan for you.

Home Insurance

Offers protection that covers accidental loss or damage, for your belongings even if they’re outside your home.

Travel Insurance

Single trip or year-round cover is available no matter when and where you travel. An optional China Medical Card under the multi-trip plan will cover the deposits required for medical treatment at designated hospitals in the Mainland.

Accident Insurance

You can get admitted into over 400 designated hospitals in mainland China by presenting the China Hospital Deposit Guarantee Card. Immediate in-patient medical treatment can be received without the need to pay the first three days’ deposit.

HSBC Broking Services

If you are looking for an even wider range of services to cater for your sophisticated investment needs, as our valuable HSBC Premier customer, you can enjoy an extended array of value-added services provided by HSBC Broking Services (Asia) Limited, a leading broker dealer regulated by the Securities and Futures Commission of Hong Kong.

Please contact your HSBC Premier Relationship Manager or HSBC Broking Services (Asia) Limited for more information.

HSBC Broking Services (Asia) LimitedHotline: (852) 2521 1661Website: www.broking.hsbc.com.hk

Mandatory Provident Fund (MPF)17

• Two MPF schemes with diverse fund choices that help you achieve your retirement goal

• Comprehensive service platforms allow you to manage your MPF account(s) anytime, anywhere

• Transfer in or retain your accrued MPF benefits in HSBC for an overall wealth accumulation in one place

Exclusive Premier OfferingsBeing our valuable HSBC Premier customers, you can enjoy an array of exclusive services and privileges.

Exclusive Access to HSBC Premier Centres

• Your banking needs come first at HSBC’s Premier Centres. As an HSBC Premier customer, you will enjoy exclusive access to more than 50 Premier Centres and priority counter service at local branches. Our spacious HSBC Premier Centres are furnished with coffee machines, magazines and televisions so you can stay connected to the news while comfortably enjoying our world-class distinguished banking and wealth management services

Digital Counter Services*

Digital Counter Services bring you a convenient counter experience that helps you take control of your time and plan your schedule more easily through 3 superior digital services: Digital Counter Viewer, Digital Counter Ticket and Digital Counter Booking

• Digital Counter Viewer - You can view real-time counter traffic at HSBC Premier Centres at your fingertips to help you decide when to visit and which HSBC Premier Centre to go to

• Digital Counter Ticket - You are able to get counter service ticket remotely before arriving at your preferred HSBC Premier Centre to save your waiting time

• Digital Counter Booking - You can enjoy priority service by booking for counter service appointment at your preferred HSBC Premier Centre on the same day† or up to 5 business days in advance so you can rest assured with your schedule planning

* Visit www.digitalcounterservices.hsbc.com.hk or our Mobile Banking app to experience the Digital Counter Services

† Same day booking or modification is available half a day in

advance

Smart Ticketing Service

• Smart Ticketing Service offers you the flexibility to maximise your time. When visiting a selected HSBC Premier Centre, you may choose to leave your mobile phone number with us when getting a queue ticket. An SMS message will then be sent to inform you when a counter will soon be available

Preferential Pricing

• You want services that make it easy to manage your finances and you want value and recognition. Look no further, HSBC Premier comes packed with features designed with you in mind. You can enjoy a world of product privileges, priority services, credit card benefits, a range of fee waivers, including ATM cash withdrawal fees and telegraphic transfer handling fees, and preferential offers of up to 50% off on selected banking services

For details of fees and charges, please refer to “Bank tariff guide for HSBC Retail Banking and Wealth Management Customers” on HSBC website. For the latest information on our preferential pricing, Terms and Conditions, please visit Personal Internet Banking, HSBC Premier Centres or HSBC branches in Hong Kong, call our 24-hour HSBC Premier Hotline on (852) 2233 3322 or contact your HSBC Premier Relationship Manager for enquiry



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• Deposit-linked Mortgage Repayment Plan – with a Deposit-linked Mortgage Repayment Plan, you can enjoy a savings interest rate equivalent to the mortgage loan interest rate for a specified amount of deposits in a HKD deposit-linked account under HSBC Premier, which may offer you higher returns on your savings deposit and greater flexibility in managing your finances

Credit Services

• Overdraft Protection – customers who maintain a satisfactory credit record for three months and the total average relationship balance of HKD40,000 or above in the previous calendar month, will automatically receive a standby overdraft limit of up to HKD20,000 – giving you extra convenience when issuing cheques or using autopay

• Secured Credit – access secured credit attached to either your HSBC Premier Integrated Savings or Current Account. The credit limit is adjusted automatically based on the daily value of eligible assets (e.g. deposits, investments, etc.) and the credit-to-asset ratios of your eligible assets attached to the account subject to your elected ceiling limit within your HSBC Premier Integrated Account at no additional service fee or minimum payment

• Clean Credit – clean credit can be attached to either your HSBC Premier Integrated Savings or Current Account. Maximum credit available is HKD800,000 or six times your monthly basic salary, whichever is lower

Deposit Services

• With HSBC Premier, you will enjoy various deposit services under the management of one single account number

• HKD Accounts – you can save with daily compound interest payable monthly. Your Integrated Account also comes with a current account‡ with free cheque book. And you can flexibly make time deposit placement18 with choices from 1 day to 36 months

• Renminbi (RMB) Accounts13,19 – enjoy RMB savings and time deposit services and make transfer of RMB to suit your needs. You can also make payments by issuing cheques from your standalone RMB current account20

• Foreign Currency Accounts – choose from 10 major currencies11 either in a savings account21 or as time deposits. Interest on savings account is calculated daily, payable half-yearly

‡ For Integrated HKD current account, the last 3 digits of the account number are 001

Mortgage Services

• HSBC’s Mortgage Specialist is available to help you find the best mortgage plan for you with all of the services you need: assistance with your application; advice on mortgage loans and refinancing

• Whether you are buying a property in the primary market (completed or not), secondary market, or refinancing your existing mortgage with or without cash, we offer a variety of mortgage loans to suit your needs

• A separate statement will be issued on this Junior Pack account which you can share with your children, so they can begin to understand the fundamentals of finances under your guidance

• As a single point of contact looking after you and your family’s financial needs, the same Relationship Manager will be assigned to look after your portfolio under Premier as well as Junior Pack

• Probate Bypass Trust: An optional solution for parents to pass on wealth to their next generation, giving you and your family added peace of mind

Pre-order Services

• You can pre-order foreign currency banknotes, new HKD banknotes, cashier’s orders, demand drafts and gift cheques. Simply call your HSBC Premier Relationship Manager or our 24-hour HSBC Premier Hotline on (852) 2233 3322 and place your instructions

• Pre-order foreign currency banknotes is also available at Personal Internet Banking

• Please use our 24-hour HSBC Premier Hotline or visit Personal Internet Banking for more details on credit limits, preferential interest rates and monthly service fees. To apply for the above credit services, please contact your HSBC Premier Relationship Manager

HSBC Premier Junior Pack22

Start preparing for your children’s financial future today. Give your children a head start in financial management. HSBC Premier Junior Pack is a comprehensive package of services designed with you and your family in mind. One of the most important life-skills you can teach your children is to learn the value of money, and help them develop good saving and spending habits that will last a lifetime.

With HSBC Premier Junior Pack, you and your children can benefit from our convenient financial management services:

• Fund transfers between your accounts under HSBC Premier and the Junior Pack allow you to manage your financial needs conveniently and allocate your funds flexibly

• With the choice of issuing a Cash Card to your children, they can easily withdraw cash from their Junior Pack current account all over the world via the HSBC Group’s ATM network23, while you retain ultimate control over the account. This means you can save on Telegraphic Transfers charges when your children are studying abroad



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– Pay registered bills (bill payee accounts have to be registered first on Personal Internet Banking)

– Make Hong Kong dollar and foreign currency funds transfer within HSBC (To self-named or registered accounts)

– Make local transfer to other local bank register accounts (e-Transfer or Express Transfer)

– View balance and make transfers to your globally-linked accounts with Global View and Global Transfers

– View local account balances and transaction history

– Place Deposit Plus

– Pre-set and receive stock price or market index alert through free eAlerts service

– Set up, view or cancel new FX order / alert at your target exchange rate with just a few clicks by using our FX Order Watch Trading Services

– Subscribe bond IPO

– View and send messages

More features about HSBC Mobile Banking are listed on HSBC’s website – www.hsbc.com.hk/personal/ ways-to-bank/mobile-banking-app.html

• Worldwide ATM Network – with your HSBC Premier ATM card27, you can access your HSBC Premier Hong Kong Dollar (HKD) Integrated Savings and Current accounts, and any other HKD account in your name at our extensive range of self-service banking machines or services including our ATMs, Cash Deposit machines, Cheque Deposit machines, purchase via EPS or UnionPay28, Payment by Phone Service (PPS), and other services29

Whether you are in Hong Kong or abroad, you can withdraw cash30 from your HKD savings and current account at HSBC Group’s ATMs23 worldwide free of charge

Alternatively, instead of having a standalone ATM card, you can use your HSBC Premier credit card to link up your HSBC Premier banking accounts to access the worldwide ATM network31

• Comprehensive Digital Capabilities

Personal Internet Banking – through Personal Internet Banking www.hsbc.com.hk, you can handle your personal finances in your own time wherever you can get online and enjoy our comprehensive range of internet financial services, including H.K. stocks, U.S. stocks and China A shares trading, bonds/CDs trading, subscription and redemption of unit trusts, structured product placement, bill payments, fund transfers and manage MPF investment allocation.

HSBC Mobile Banking – makes banking transactions easy anytime and anywhere with your mobile handsets and tablets:

– Perform basic transactions including balance enquiry, bill payment and fund transfer

– Make P2P payment via HSBC Easy Pay

– View Exchange Rates and Deposit Rates

– Support foreign currencies trading, H.K. stocks, U.S. stocks and China A shares trading

– Check out the latest credit card offers exclusively for HSBC Premier

– Redeem Hot Picks and Vouchers with RewardCash at RewardCash e-Shop

– Place Hong Kong dollar or foreign currency time deposits

Global Network and Services

With the power of our global network, you can enjoy the same resources, support, recognition and banking privileges you get at home. You can even access and manage all your HSBC overseas accounts around the world anytime.

Premier In One, Premier In All24

• As an HSBC Premier customer fulfilling the minimum balance requirement, you can join HSBC Premier anywhere in the world without having to fulfil additional requirements of the overseas countries

Global Access Channels

• HSBC Premier Centres around the globe – You may enjoy priority services in more than 350 HSBC Premier Centres by reaching your HSBC Premier Relationship Manager at home, log on to Personal Internet Banking, HSBC Mobile Banking or use the Global Phone to get connected to the Hong Kong HSBC Premier Call Centre

• 24-hour HSBC Premier Call Centre and automated phone banking services – enjoy the convenience of our easy-to-use manned and automated phone banking service, available 24 hours a day, 7 days a week. Simply call HSBC Premier Hotline (852) 2233 3322 to access our phone banking service25, you can manage your bank accounts, investment, credit cards, insurance and other services in one go



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We’ve got your Wi-Fi covered39

• Stay connected anywhere in the world. As a Premier Credit Cardholder, you’ll get global and unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide. Connect up to four devices at airports, hotels and popular places around town and never worry about data caps, roaming fees or unreliable network coverage

Life’s more rewarding with an HSBC Premier Credit Card

• Enjoy fantastic rewards and privileges when you become a Premier Credit Cardholder. Convert your RewardCash for air miles40 on three frequent flyer programmes, Asia Miles™, British Airways Executive Club and Singapore Airlines KrisFlyer, or to redeem for vouchers or gifts of your choice

Whether you’re travelling abroad or staying at home, there’s a vast range of offers to choose from including travel, dining, shopping, health and beauty. To find out more about these exclusive Premier benefits, visit: www.privileges.hsbcpremier.com

Emergency support wherever you are

• Emergency lost or stolen card reporting and replacement services41 are provided through the HSBC Premier Emergency Hotline on (1) 314 275 6781 (24-hour collect call lines42), and you have access to emergency cash from over 245,000 outlets across 200 countries/territories

Pre-approval with annual fee waiver

• The HSBC Premier MasterCard® Credit Card is pre-approved43 for existing Premier customers with annual fee waiver. Supplementary pre-approved43 cards can be applied for your family members, who will enjoy the same level of privileges and emergency support as you

HSBC Premier Credit CardThe HSBC Premier Credit Card offers you a new range of travel benefits throughout your journey, from discounts on bookings to complimentary global Wi-Fi while you’re away. You’ll get rewards every time you pay with your card at home or abroad, putting you in good hands wherever you’re going.

Savings that add up with Expedia and Agoda39

• Premier Credit Cardholders get 10% off selected hotel bookings on Expedia every time you pay with your card. The Premier Credit Card also comes with Expedia+ gold Membership, which includes top priority on complimentary room upgrades at over 2,000 participating +VIP AccessTM hotels and thousands of extra discounts and special offers

To enjoy the booking discount offer, please make your booking via the following website: www.expedia.com.hk/HSBCPremier. For more details about the Expedia+ gold Membership, please visit: www.expedia.com.hk/rewards/gold

• Book your hotel on Agoda.com with the Premier Credit Card and you’ll get 7% off more than 180,000 hotels worldwide. You’ll also receive instant confirmation and best rate guarantee, so you can focus on planning the rest of your trip with more savings to spend while you’re there

To enjoy the booking discount offer, please make your booking via the following website: www.agoda.com/hna

Global View and Global Transfers32

• Global View is a unique online solution that enables you to manage all your personal HSBC accounts and view the related account balances on one screen

• If you work, travel or live across different countries, transferring money between your accounts is an absolute necessity. Global Transfers puts you in control, so you can make transfers as and when you need it

• Transfer funds near real-time between your self-name accounts linked in Global View or even schedule transfers for later. Best of all, such transfers are absolutely free

Emergency Encashment Services33

• We understand that accidents can and do happen so we provide hassle-free encashment services for you and your family should such an emergency arise. Instant cash up to USD2,000 can be arranged for you from 8,500 HSBC outlets worldwide

International Account Opening

• You can enjoy the same level of HSBC Premier services in other countries around the world24 with our International Account Opening Services

• Pre-opening of Overseas Accounts – the experts at our International Banking Centres can open overseas HSBC accounts for you before you depart to your new country24. We will advise you of your new account number within 10 business days34

• Your account pack, including ATM card, credit card, Personal Identification Numbers (PINs) and cheque books, under normal circumstances, will all be ready within 10 business days34 once your account is successfully opened

• Credit History Transfer35 – your credit history from your originating country can be transferred to facilitate access to similar levels of credit in the new country36

Personalised On-board Services

• A dedicated international expert will be assigned to manage the entire process of establishing your accounts in the new country. Upon successful transfer, a local HSBC Premier Relationship Manager will contact you to provide assistance wherever necessary

Overseas Education

• With HSBC Premier’s support, getting your children ready for study overseas has never been this easy. We provide a wide range of service varying from pre-departure Overseas Account Opening to support from HSBC Global Safety Net

International Mortgage Services

• This loan is applicable to purchasing residential property for self-use or investment purposes. If you wish to purchase property outside of Hong Kong, you can also enjoy an overseas pre-approved mortgage37 with up to 60% loan-to-value ratio in selected countries38



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http://www.expedia.com.hk/rewards/gold

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http://www.agoda.com/hna

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This section provides detailed information on the following:

• Useful Information for New HSBC Premier Customers

• Useful HSBC Premier Hotlines

• Total Relationship Balance Requirement

• Fund Transfers between Accounts and Bill Payment

• Global View and Global Transfers Access Guide

• HSBC Premier Junior Pack Internet Banking Services User Guide

• Trading Hours for Investment Products

• Security Tips for Personal Internet Banking, HSBC Mobile Banking, phone banking and ATM

• Notes

Important information

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Total Relationship Balance Requirement

• To qualify for HSBC Premier, you need to maintain a Total Relationship Balance (TRB)44 of HKD1 million or above. TRB includes:

– Hong Kong dollar /Renminbi /Foreign currency deposits

– Market value of the following investments: local and overseas securities, unit trusts, bonds, certificates of deposit, equity linked investments, structured notes, Monthly Investment Plan (Stocks/Unit Trusts) and Wayfoong Statement Gold

– Deposit amounts of Deposit Plus and Structured Investment Deposits

– Utilised lending facilities (excluding mortgages and amounts outstanding on credit cards)

– Life insurance45 with savings component†

– HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances which are administered by HSBC Life (International) Limited

† For life insurance with savings component:

– Investment-linked life insurance policies include the total cash value of the policies

– Other life insurance policies include the total cash value of the policies OR total premium paid less any annuity payments received (if applicable), whichever is higher

Useful Information for New HSBC Premier Customers

In order to fully enjoy the HSBC Premier services, you are suggested to take the following actions:

Step 1: Change ATM PIN for security purpose

Step 2: Register Personal Internet Banking

Step 3: Download and logon HSBC Mobile Banking with your iPhone, iPad, iPod touch or Android devices

Step 4: Set up your phone banking service or Reset your phone banking PIN

Useful HSBC Premier Hotlines

• If you need any assistance or services from us, you can simply call the following hotlines:

24-hour HSBC Premier Hotline (852) 2233 3322

HSBC Premier Express Stock Order Placement Hotline

(852) 2996 6822

Collect call* when overseas (Please contact a local telecom company to arrange)

(852) 2233 3388

HSBC Premier Emergency Hotline (24-hour collect call lines42)EnglishMandarinCantonese

(1) 314 275 6781(1) 314 275 6779(1) 314 275 6775

* Collect call service is subject to the telecom service providers in local countries.

To determine your overall TRB in sole capacity, the applicable TRB of all your personal sole account(s)47 and all your joint account(s)48 will be included in the calculation.

To determine your overall TRB in joint capacity, the applicable TRB of all your joint account(s)48 held with the same joint account holders will be included in the calculation. All life insurance, MPF and ORSO Defined Contribution Scheme policies are held under personal sole account only, and these account balances shall not be included in the TRB calculation in joint capacity.

If your TRB falls below HKD1 million, a Below Balance Fee will be charged monthly (based on average Total Relationship Balance over the last three months).

Total Relationship Balance Below Balance Fee46

HKD1 million or above Free

Less than HKD1 million HKD380 per month

Should your TRB remain below HKD1 million for 12 months, your HSBC Premier service tier may be withdrawn.

Fund Transfers between Accounts and Bill Payment

• HSBC has set the following maximum daily transfer/payment limits per customer:

Personal Internet Banking/HSBC Mobile Banking/phone banking

Transaction Type Maximum Daily Limit per Customer

Transfers between your own accounts (including joint accounts)49 Up to available balance

Transfers to registered third party accounts49 HKD3 million (per third party account)

Transfer to non-registered third party accounts50:Channel sub-limits for transfer to non-registered account via• Personal Internet Banking• Phone Banking

HKD400,00051

HKD400,00051

HKD50,00051

Bill payment52 HKD5,000,00051

Service sub-limits for bill payments52 to:• Government and Utilities• Securities Brokers53

• e-IPO for White form application• Sports and Leisure53 (The Hong Kong Jockey Club)• Other merchants (e.g. telecommunications, insurance

companies)

Make P2P payment via HSBC Easy Pay54 (only available on HSBC Mobile Banking)

HKD500,000HKD500,000HKD5,000,000 (for Personal Internet Banking only)HKD500,000HKD100,000

Up to HKD 5,000



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Self-Service Banking

Self-Service Banking Facility Maximum Daily Limit per Customer

Fund transfers between accounts on the same card Up to available balance

Fund transfers* to other accounts with HSBC and Hang Seng Bank• Local ATM• Overseas ATM

HKD400,00051, 55

HKD50,00051, 55

Payment by Phone Service (PPS) HKD100,000 per card

Bill payment52 HKD5,000,00051

Service sub-limits for bill payments52 to:• Government and Utilities• Securities Brokers53

• Sports and Leisure53 (The Hong Kong Jockey Club)• Other merchants (e.g. telecommunications, insurance companies)

HKD500,000HKD500,000HKD500,000HKD100,000

Cash withdrawals• Hong Kong

• Overseas

HKD80,000 for HSBC Premier ATM card/Junior Pack Cash CardHKD80,000 for HSBC Premier credit card

Overseas ATM daily withdrawal limit (including cash advance) for all ATM cards and credit cards is pre-set to HKD0. Please perform activation in advance by setting the overseas daily withdrawal limit and activation period for overseas ATM cash withdrawal service.(The maximum amount you can withdraw per transaction varies with the individual ATM. You may need to make multiple transactions to withdraw up to the maximum daily limit.)

Purchase via EPS or UnionPay28 HKD50,000 per card

* Overseas ATM daily transfer limit (to non-registered accounts) for all ATM cards and credit cards is pre-set to HKD0. Please perform activation in advance by setting the overseas daily transfer limit for overseas ATM transfer service.

Automated Reset to Zero Limits

Your transfer limits to non-registered third party accounts through Personal Internet Banking or phone banking services will be reset to zero if:

• You have not logged on to the respective channels for six months, or

• You have not used the sub-limit since establishment/maintenance on the respective channel for six months, or

• You have not made a non-registered third party payment on the respective channel for 13 months, or

• You use your ATM PIN to reset your phone banking PIN through 24-hour HSBC Premier Hotline (applicable to phone banking)

Your service sub-limits for bill payments to merchant categories of Securities Brokers and Sports and Leisure will be reset to zero if you have not used these sub-limits since set-up/maintenance for 6 months or the service through Personal Internet Banking, HSBC Mobile Banking, phone banking or ATM for 13 months.

If you wish to reactivate the limits, please download the application forms available at www.hsbc.com.hk or contact any HSBC branch in Hong Kong.

To Set Up or Raise Limits

The following limits will be set as zero for new automated channel users:

• HSBC Easy Pay payment limit (only available on HSBC Mobile Banking)

• Sub-limits for fund transfers to non-registered third party accounts via Personal Internet Banking and phone banking services

• Service sub-limits for bill payments to merchants in the categories of Securities Brokers and Sports and Leisure via Personal Internet Banking, HSBC Mobile Banking, phone banking or ATM

For new and existing customers who wish to raise the limits, please log on to Personal Internet Banking by using Security Device or Mobile Security Key64, or download the application forms available at www.hsbc.com.hk, or contact any HSBC branch in Hong Kong. For HSBC Easy Pay payment limit, please log on to HSBC Mobile Banking and increase HSBC Easy Pay payment limit by using Security Device or Mobile Security Key64. The payment limit is capped at HKD 5,000 each day.

To Lower Limits

If you wish to lower any of the following limits, please log on to Personal Internet Banking:

• Limits on each channel for transferring funds to non-registered third party accounts

• Service sub-limits for bill payments

• Maximum daily limits for transfers to non-registered third party accounts or bill payments

If you wish to lower the payment limit of HSBC Easy Pay, please log on to HSBC Mobile Banking.



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• You can link profiles for non-HSBC Premier relationships as well as HSBC Premier relationships. You can access Global View via an HSBC Premier country’s Personal Internet Banking system and see the account balances for the non-HSBC Premier country displayed, but will not be able to access Global View via the non-HSBC Premier country’s Personal Internet Banking

Global Transfers

• Select any of your accounts linked in Global View, then you can choose if transfer is activated immediately, on the same day, or scheduled for later as a one-off or recurring transaction

• Global Transfer is also available on HSBC Mobile Banking

Global View and Global Transfers Access Guide

Global View

You can simply log on to your own Personal Internet Banking to set it up:

• Log on via the Personal Internet Banking service of any HSBC country and territory where you hold an Integrated Account under HSBC Premier

• In order to view all of your account balances across HSBC entities worldwide, you can link up by selecting “Add/Remove a country or territory” in “My banking” menu. You will need to complete a one-off linking process to other Personal Internet Banking profiles after prompting the security credentials of the Personal Internet Banking profile you are trying to link

• Linking will be effected in all entity systems involved, e.g. linking the U.S. profile to the Hong Kong profile allows access via either the Hong Kong or U.S. Internet Banking service

Trading Hours for Investment Products

The following services are available during the times shown:

Service Mon-Fri (HKT) Sat (HKT)

Local Securities

Order placement/amendment• via phone banking• via Personal Internet Banking56

• via Stock Express• via HSBC Mobile BankingEnquiry

8am to 4.10pm24 hours24 hours24 hours24 hours

Not available24 hours24 hours24 hours24 hours

US Securities

Order placement• via phone banking• via Stock Express• via HSBC Mobile BankingEnquiry

24 hours24 hours24 hours24 hours

24 hours24 hours24 hours24 hours

China A Shares:

Order placement/cancellation • via phone banking• via Personal Internet Banking56

• via Stock Express• via HSBC Mobile BankingEnquiry

8am to 3pm24 hours24 hours24 hours24 hours

Not available24 hours24 hours24 hours24 hours

Unit Trusts

Order placement• via Branch• via manned phone banking57

• via Personal Internet Banking58

Branch opening hours8am to 6pm24 hours

Branch opening hours8am to 1pm24 hours



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Equity Linked Investment (issued by HSBC)

Order placement• via Branch 9.15am to 3.40pm Not available

Deposit Plus

Order placement• via Branch• via manned phone banking• via Personal Internet Banking/HSBC Mobile Banking

9am to 5pm8.30am to 5pm6am (Mon) to 11.59pm (Fri)*

Not availableNot available12am to 5am

Structured Investment Deposits

Exclusive placement – Order placement• via Branch• via Personal Internet Banking

9am to 4.45pm7am to 11.45pm

9am to 1pm7am to 1pm

Bonds/Certificates of Deposit

Order placement• via Branch• via phone banking (Selling of Bonds and

Certificates of Deposit only)• via Personal Internet Banking60

9am to 5pm59

9am to 5pm59

24 hours

Not availableNot available

24 hours

24-Hour Currency Exchange Service

• via manned phone banking/automated phone banking/Personal Internet Banking/ HSBC Mobile Banking

5am (Mon) to 11.59pm (Fri)61 12am to 4.59am,8am to 4.30pm61

* Maintenance hour: Mon-Fri: 5.20am to 5.35am and 9pm to 9.30pm (No new Deposit Plus application)


FX Order Watch

Order placement• via manned phone banking• via Personal Internet Banking/HSBC Mobile Banking• via Branch

24 hours24 hoursBranch opening hours

24 hours24 hoursBranch opening hours

Order monitoring 5am (Mon) to 11.59pm (Fri) 12am to 4am during summer time (US daylight saving), or 12am to 5am during winter time (non-US daylight saving)

Margin FX

Order placement• via Personal Internet Banking/HSBC Margin

FX app5am (Mon) to 11.59pm (Fri) 12am to 5am during summer

time (US daylight saving), or 12am to 6am during winter time (non-US daylight saving)

Gold62

Order placement• via manned phone banking/automated

phone banking/Personal Internet Banking7am to 11.59pm Not available



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Security Tips for Personal Internet Banking, HSBC Mobile Banking, phone banking and ATM

Password/PIN/User ID/Security Device/Mobile Security Key64 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 email63

• 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

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

– Disable the “AutoComplete” function to protect against unauthorised access to your accounts and to prevent others from making banking transactions without your knowledge, as your computer may be used by others

– Check your last log on date, time and status displayed on “My HSBC” page after you have successfully log on to Personal Internet Banking. If you suspect anything suspicious, please contact HSBC immediately

– Use the “LOGOFF” button to exit. Do not exit by closing the window

– Never leave a Personal Internet Banking session unattended at any time

– Disconnect from the internet when you have finished using it. Avoid leaving your connection on, especially with broadband access, unless you’re actively using it

– For the full set of security tips of Personal Internet Banking, please visit www.hsbc.com.hk/personal/help-and-support/online-security.html

Phone Banking Usage Precautions

• If you are using a telephone with a memory or redial function, please make sure the PIN records are erased and the PIN is not seen by other people

• Be alert – only use phones located in secure and reputable places especially if you intend to perform phone banking transactions

HSBC Mobile Banking Usage Precautions

• Do not store your Personal Internet Banking username and password and Mobile Security Key64 password on your mobile handsets

• Install and update the latest anti-virus and anti-spyware software regularly on your mobile handsets, whenever they are available

• Avoid sharing your mobile handsets with others and use your own handset to log on

• Do not leave your handset unattended after log on to Personal Internet Banking / HSBC Mobile Banking. Always log off properly when you are finished with it

• Only store your own fingerprints on your device if you have enabled fingerprint authentication for HSBC Mobile Banking



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• If your Mobile Security Key64 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

• 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

• 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 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 Mobile Banking, please visit www.hsbc.com.hk/personal/help-and-support/online-security.html

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

Notes

1. 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

• 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

Securities Risk Disclosure



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• 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

3. Base on Synovate AsiaBUS Survey conducted during February – July 2010.

4. 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

2. 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

Unit Trust Risk Disclosure

7. The net return in relation to an Equity Linked Investment will depend upon stock market conditions prevailing during the investment period and/or on the Valuation Date. Fluctuation in stock price can be substantial and you must be prepared to receive the share valuation amount or the relevant quantity of the underlying stock (if you have elected, or are deemed to have elected, to receive shares), whichever is applicable, on the settlement date, the value of which could be substantially less than the amount of your original investment. You should consider whether or how much of your investment portfolio should comprise ELIs based on your own risk appetite, investment experience and investment objectives. If you have any concerns about this product, or are uncertain about the suitability of asset allocation in your investment portfolio, you should consult your professional financial adviser. You should refer to the offering documents for further details on the ELIs and the risks involved before deciding whether to invest in the ELIs.

8. The net return of Deposit Plus will depend upon the exchange rate of the deposit currency against the linked currency prevailing at the deposit fixing time on the deposit fixing date. There is no guarantee that you will receive the principal of your deposit at maturity. You must be prepared to incur losses as a result of depreciation in the value of the currency paid. Such losses may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit. If you have concerns about this product, you should consult your professional financial advisers.

• 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

5. All other fees applicable to the relevant fund subscription will still apply. The account fee is calculated based on the average holding balance and is subject to a minimum charging balance. The account fee is charged on a monthly basis. Please refer to product factsheet for details.

6. Structured roducts 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

Bonds/CDs Risk Disclosure

Structured Products Risk Disclosure



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9. The service (exclude USD/CombiNation Passbook Savings account) operates from Monday 5 am to Saturday 4.59 am and Saturday 8 am to 4.30 pm. For USD/CombiNation Passbook Savings accounts, the service operates from Monday to Friday 8 am to 7 pm and Saturday 8 am to 4.30 pm. However, the service is not available on 1 January, 25 December, 12 midnight to 7.59 am on 26 December and 2 January and when a Black Rainstorm or Typhoon No. 8 signal or above has been hoisted. Your said instruction may be processed on the same day or the next business day depending on whether the Signal is lowered that day and if so, at what hours. Please always check your Personal Internet Banking email box for the status of your transaction.

10. Major foreign currencies mean Australian Dollars (AUD), Canadian Dollars (CAD), Euros (EUR), Japanese Yen (JPY), New Zealand Dollars (NZD), Pounds Sterling (GBP), Singapore Dollars (SGD), Swiss Francs (CHF), Thai Baht (THB) and US Dollars (USD).

11. ForEx Switching service/Renminbi Switching Service is available only to HSBC Premier, HSBC Advance, Personal Integrated Account customers, Renminbi Savings Account, HK Dollar Statement Savings Account and CombiNations Statement Savings Account customers.

12. Remittance in RMB is subject to the local regulation of the country you are remitting to Hong Kong residents can remit up to RMB80,000 per day. Non-Hong Kong residents are not required to observe the corresponding limits and requirement regarding RMB remittance for Hong Kong residents.

13. The risk of loss in Leveraged Foreign Exchange Trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. Your foreign exchange position and the relevant collateral may be liquidated without your prior consent. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives.

14. 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

Gold Risk Disclosure

The general insurance policies are underwritten by AXA General Insurance Hong Kong Limited (“AXA”), which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your general insurance policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR.

General Insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you. However, any dispute over the contractual terms of the insurance plan should be resolved between AXA and you directly.

For product details and related charges, please refer to the relevant brochures and policy provisions or contact our HSBC’s branch staff.

16. 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

• 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

15. 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



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20. With respect to USD and other foreign currencies, interest will be paid on the account balance at the relevant savings rates. Standalone USD Current Account is also available.

21. Customers are required to maintain a Total Relationship Balance (TRB) of HKD1 million or above to be eligible for this service. Children of HSBC Premier customers must be below 18 years old. To be eligible for opening and maintaining a Junior Pack Account, the Customer has to maintain a separate Master Account in the same name and continuously maintain HSBC Premier for this separate Master Account for the entire period when the Junior Pack Account remains in existence. No cheque books or credit cards are issued for the Junior Pack account and overdraft facilities are not permitted for the account.

22. The UnionPay ATM chip card can access worldwide HSBC’s ATMs except HSBC’s ATMs in Argentina, France, Greece, Malta, Mexico, New Zealand and Turkey.

23. Applicable in countries or locations where HSBC Premier is offered. Please refer to www.hsbcpremier.com.hk for the complete country list.

24. For more details of phone banking PIN registration, please visit www.hsbc.com.hk/personal/ways-to-bank/ phone-banking.html.

25. You need to call IDD to reach this number. IDD charges apply.

26. Upon receipt, please use a ball point pen to immediately sign your name on the signature panel at the back of your ATM card.

• 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

17. Approval of an immature uplift of a time deposit is solely at the Bank’s discretion. The Bank reserves the right to recover administrative fee and additional costs (if any) on obtaining funds in the market for the remaining period of the time deposit.

18. The balance of all RMB deposits will be included in the calculation of the Total Relationship Balance. Approval of an immature uplift of a time deposit is solely at the Bank’s discretion. The Bank reserves the right to recover administrative fee and additional costs (if any) on obtaining funds in the market for the remaining period of the time deposit. For more information on the above product/services restrictions, please refer to the fact sheet available at any HSBC branch.

19. RMB current account for Hong Kong residents is to issue cheques i) in Hong Kong with any amount and ii) to retailers across Guangdong Province (including Shenzhen) for consumer spending with up to RMB80,000 amount for each cheque and maximum amount of RMB80,000 in total for settlement per day. RMB denominated cheques issued by non-Hong Kong residents are for use in Hong Kong only and are not for use in the Mainland.

33. The service processing time is subject to HSBC overseas office review and approval.

34. Credit history will be transferred subject to local regulations.

35. Applicable in countries or locations where HSBC Premier is offered. Pre-approved HSBC Premier credit card and other credit facilities shall be granted at the bank’s discretion subject to overall satisfactory account performance, availability of products overseas and local regulations.

36. The overseas pre-approved mortgage is subject to local regulations and credit policy.

37. Please note that the total number of existing mortgaged properties with HSBC globally, including any application in process (regardless whether the mortgages are pre-approved or are booked through normal assessment) should not exceed 3. Otherwise, the application will be subject to normal assessment.

38. Terms & conditions apply to the Expedia, Agoda, and Boingo Wi-Fi offers. For details, please refer to www.hsbc.com.hk/personal/credit-cards/hsbc-premier-master-card.html.

39. Please enrol in HSBC’s Mileage Programme if you wish to transfer your points to your Asia Miles, British Airways Executive Club or KrisFlyer mileage account(s). An annual programme fee applies and please refer to www.hsbc.com.hk/Rewards for details.

40. Service operated by MasterCard® Worldwide and its appointed agent/third party service provider.

27. 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.

28. Please refer to “Important Information” section for details on self-service banking features and daily transaction limits.

29. Daily transaction limit for ATM cash withdrawals in Hong Kong is HKD80,000. 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 daily limit and activation period for overseas ATM cash withdrawal services.

30. Charges apply. Please refer to the latest “Bank tariff guide for HSBC Retail Banking and Wealth Management Customers”.

31. This service is available in selective countries only and will be rolled out to more countries later on. Please watch out for the latest information via www.hsbcpremier.com.hk.

32. 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.



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www.hsbcpremier.com.hk


https://www.hsbc.com.hk/personal/ways-to-bank/phone-banking.html

https://www.hsbc.com.hk/personal/ways-to-bank/phone-banking.html

http://www.hsbc.com.hk/personal/credit-cards/hsbc-premier-master-card.html



http://www.hsbc.com.hk/Rewards


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41. 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.

42. The pre-approved feature is subject to local regulations, and the Bank retains its sole and final discretion whether to issue the credit card.

43. 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.

44. 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.

45. Below Balance Fee will be debited from Integrated Savings Account under HSBC Premier. This applies to each of your integrated accounts.

46. All these accounts must be held or registered under the same name(s) and identity number(s).

47. 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.

48. 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. Pre-registration 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 Key64. 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.

49. 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 Mobile Banking.

50. 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).

51. For HSBC Mobile Banking, bill payee accounts have to be registered first on Personal Internet Banking.

52. Optional facilities.

53. HSBC Easy Pay is a P2P payment service within HSBC 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.

54. 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 Key64, or download the application forms available at www.hsbc.com.hk, or contact any HSBC branch in Hong Kong for activation.

55. Orders placed outside trading hours will be treated as orders for the following trading day.

56. Phone banking provides service to customers on selling unit trust only.

57. Orders placed on non-trading days, Saturdays or after dealing cut-off from Mondays to Fridays will be treated as orders for the following trading day.

58. Certain bonds (including Exchange Fund Notes issued by the Hong Kong Monetary Authority) may have an earlier cut off time. The list of bonds which have an earlier cut off time is subject to change from time to time.

59. Order placement outside the trading hours is possible and will be processed on the next trading day.

60. Except on 1 January, 25 December, 12 midnight to 7.59 am on 26 December and 2 January and when a Typhoon #8 or above signals or Black Rainstorm Signal has been hoisted.

61. Except for Hong Kong public holiday.

62. 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.



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The information contained in the brochure is updated in Dec 2017 and is for reference only. Please note that as between the English and Chinese version of this publication / material, the English one is governing version.

This publication is printed in single language to save paper. If you would like to receive this promotional brochure in Chinese, please call us on (852) 2233 3322.

此印刷品以單一語言印刷，節省用紙。如欲收到此宣傳刊物的中文版，請致電(852) 2233 3322。

Should you prefer not to receive marketing information or calls from The Hongkong and Shanghai Banking Corporation Limited, please inform us by calling 2748 3350 or mailing your request to “The Hongkong and Shanghai Banking Corporation Limited, PO Box 72677, Kowloon Central Post Office, Kowloon, Hong Kong” or visiting any one of our branches. Please specify the type of marketing information that you would like to stop receiving (direct mail by post, email, SMS or telephone calls) when making such request. We will arrange to have your contact details excluded from our marketing list without charge. If you wish to stop receiving the message from eAlert service, please unsubscribe the eAlert service via Personal Internet Banking.

63. 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.

64. Credit Facilities (including HSBC Premier Credit Card, Mortgages, Secured / Clean Overdraft Services, Credit Card etc.)

- Please carefully assess your financial condition, financial needs and repayment ability, and understand the terms clearly before committing to any credit facilities.

- To borrow or not to borrow? Borrow only if you can repay!

Credit Facilities (including HSBC Premier Credit Card, Mortgages, Secured / Clean Overdraft Services, Credit Card etc.)



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