Together we thrive

Welcome

Premier lifeto the

Welcome and thank you for choosing HSBC Premier.

This marks our first step together as you and your family embrace the Premier life. A life of more responsibilities and more decisions to make than ever before, but also more possibilities, more potential and more dreams to fulfil.

Premier gives you the freedom to share all your new-found privileges with your loved ones. So no matter what surprises life throws your way, we’re there for you. Supporting you and your family as you all continue to thrive today, tomorrow and long into the future.

Embracing a life full of life with HSBC Premier

of lifea life full

ContentsGetting ready for a banking experience 4that gives you and your family more Helping your family thrive 5

Managing and growing your family’s wealth 6 Customised global banking for your family 9

Supporting your children’s ambitions 12

Your jetset future generation gets it too 14

HSBC Personal Internet Banking 15

Preferential rates 16

HSBC Premier fees & services 17

Cash withdrawal & banking services 19

A global network of HSBC Premier Centres 20

Getting ready for a banking experience that gives you and your family moreRead through to understand what you need to start living your best Premier life.

To make the most of HSBC Premier, we suggest you take the following steps if you’ve not already done so:

Register for Personal Internet Banking

Download and log on to the HSBC SG Mobile Banking app

Register for an Investment Account

Apply for your exclusive HSBC Premier MasterCard® Credit Card

Register for phone banking service and change your ATM PIN

thriveHelping your family

Extend your Premier privileges to your family at exclusive rates

• Your family (spouse and up to three children) can enjoy the same Premier privileges, at a Total Relationship Balance of only S$30,000 for each of them.

• Enjoy exclusive rewards when your spouse and/or child join(s) the Premier life.

• Each family member will have their own independent Premier account in their own names.

• Your family will have a dedicated Family Relationship Manager for all your banking, wealth and insurance needs.

Let your loved ones enjoy all the privileges of the Premier life, just like you do. We help you and your family to thrive today, tomorrow and long into the future.

Managing and growing your

Dedicated Team Support

Access a team of wealth experts for all your investment, insurance, FX and legacy needs.

Family Relationship Manager

Your Premier Relationship Manager will put together a picture of your entire financial life and then create a bespoke financial strategy designed just for you and your family.

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

• Providing financial advice and financial planning to help you and your loved ones fulfil your hopes, dreams

and ambitions.

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

• Assistance in setting your financial goals with HSBC’s Goal Planner.

Premier gives you access to a team of experts with our full range of wealth management products to help you and your family live a life full of life.

family’s wealth

Your satisfaction is our priority

Your Premier Relationship Manager isn’t incentivised on the products they sell. Instead, they are measured on how happy you are with their service.

• Comprehensive wealth solutions to support your needs across education, insurance, retirement, legacy, managing and growing wealth.

• Personal satisfaction as a priority – your Premier Relationship Manager’s success is measured on how well they support your financial needs and aspirations.

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

Preferential Rates and Personal Loans

• Benefit from preferential pricing for banking and wealth management products and services, including higher Premier interest rates on

deposits/savings.

Market updates and insights

• Access to a consolidation of all HSBC wealth publications via our Wealth Insights Hub:

- Quick insights and key takeaways on major market news.

- In-depth commentary on key investment events.

- Make informed investments with our experts’ market views from around

the world. - Catch up with the fast-paced FX markets.

• Global research studies on retirement trends, education insights and

home ownership.

• Exclusive invitations to Premier Market Outlook events.

HSBC Wealth Dashboard

• A unified overview of your holdings with HSBC and unprecedented control over your wealth, all in a simple-to-use interface.

• Track and analyse the performance of your investments with a comprehensive range of wealth planning features.

Personalised Financial Review

• Reviews with your Premier Relationship Manager, supported by a team of wealth specialists.

• Evaluate your needs, prioritise your goals, identify any financial gaps and assess your risk capacity to give you suitable solutions.

• Financial advice and comprehensive wealth solutions to help you fulfil your needs across education, insurance, retirement, legacy, managing and growing wealth.

Exclusive Premier wealth products

Enjoy a suite of products catered specially for Premier customers, including Bonds, Structured Products, DCP, Universal Life and securities financing.

Unit Trust

• Reap the benefits of diversification and professional management at a lower starting capital.

• Choose from a range of options to suit your risk tolerance and investment objectives.

Online Unit Trust

• Trade in an array of funds spanning various asset classes and

geographical regions.

• Online trading platform is integrated with your HSBC Online Banking account.

Securities Trading

• Buy and sell securities in the US, Singapore and Hong Kong markets on our HSBC Online Securities Trading platform at HSBC Online Banking.

• Access charting tools, market insights and analyst recommendations via

Wealth Dashboard.

• Trade the following available securities: - Listed stocks - Exchange Traded Funds (ETFs) - Real Estate Investment Trusts (REITs) - Global Depository Receipts (GDRs) - American Depository Receipts (ADRs)

Foreign Exchange

• For investing your money or just sending funds abroad.

• Set your own target FX rate to convert funds automatically and you will get alerts when your designated FX rate is reached.

Bonds

• Gain potentially higher returns compared to cash savings deposits.

• Receive steady interest income with a potentially higher yield.

Global View

• Experience a holistic view of all your HSBC accounts worldwide and make instant, fee-free transfers

between them.

HSBC Global Transfer

• Send funds instantly from your HSBC accounts to those of your family and friends worldwide. This allows you to instantly transfer funds to self-named or third-party overseas HSBC accounts free of charge.̂

Worldwide Transfer

• Worldwide transfer enables you to quickly and easily transfer your funds to banks outside of Singapore.

Everyday Global Account

• Hold 11 currencies within one account and access them with the Everyday Global Debit Card†.

• Complimentary cash withdrawals from HSBC ATMs worldwide.

HSBC Premier makes international banking simple. With preferential rates on our Everyday Global Account and our range of digital products and services, you can bank from anywhere in the world. All with the confidence that we’ll be here to support you and your family, wherever life moves you.

global banking for your familyCustomised

HSBC Premier current account with Visa Debit Card, NETS-enabled

• Make PIN-based transactions at over 87,000 acceptance points, bill payments at AXS and top-up your ez-link card, NETS FlashPay or NETS CashCard with NETS using your HSBC Premier Debit Card.

atm5 network

• Withdraw cash wherever you see the atm5 logo displayed at Citibank, Maybank, Standard Chartered Bank or State Bank of India ATMs.

QuickCash

• Withdraw cash from over 600 locations like 7-Eleven, Cold Storage, Guardian and Market Place island-wide, with no service fee imposed.

Foreign Exchange rate alerts or auto-conversions

• HSBC FX Order Watch enables you to set your own target foreign exchange rate to convert funds automatically within your banking accounts, and/or to receive an alert when your target rate is reached.

QuickFX app

• Currency conversion at exclusive Premier rates with $0 FX conversion fee on the HSBC QuickFX app.

International mortgages

• Finance your property abroad locally with an HSBC International Mortgage at attractive Premier mortgage rates.

• Enjoy the full suite of Premier privileges with a minimum loan size of AUD/SGD200,000.

• Access overseas property insights for all the information you need on investing overseas, with regular market updates on major cities.

• Wide coverage in Australia to buy residential properties as investments in Adelaide, Brisbane, Perth, Melbourne or Sydney.

HSBC Premier MasterCard® Credit Card

• Enjoy rewarding privileges for your everyday spend.

• Access a new suite of travel benefits, especially dining and golfing privileges.

• Be rewarded every time you pay with your card at home or abroad.

Enhanced Global Cashback Programme with Premier MasterCard

• 5% cashback on everyday spend (both overseas and local) with up to S$1,800 cashback per year ¶.

• Complimentary ENTERTAINER 1-for-1 offers across Singapore, Malaysia, Bali, Hong Kong, London, Abu Dhabi and Dubai.

• Discounts & privileges on dining, travel, hotel, shopping and more.

• Personalised check-in service at JetQuay.

• Complimentary travel insurance coverage of up to S$1 million.

home&Away Privilege Programme

• Choose from an array of fabulous benefits around the world, with over 27,000 outlets in more than 160 countries and territories.

If you lose your cards, receive immediate support by visiting the nearest HSBC Premier branch, or call 1800-227 8889 / +65 6216 9080 (overseas) to arrange for an emergency cash advance and order a next-day card replacement. *Available with authorisation from home country.

Overseas Account Opening and Emergency Cash*

• Global recognition with your HSBC Premier MasterCard Credit Card/Debit Card.

• Receive Premier banking services overseas and have free access to emergency assistance in HSBC branches worldwide.

Before your child goes overseasWe help pave the way by:

• Providing complimentary consultation and exclusive Premier rates on school enrolment services through

our education partnersX.

• Opening a Premier Bank account in their destination country, while still living in Singapore.

• Facilitating easy and instant funds transfers to them via Global Transfer, at no fee .̂

Naturally, you’d want to give your family every advantage in life. That’s why Premier supports your aspirations to provide your children with a world-class international education by taking care of their banking needs overseas.

your children’s ambitions

Supporting

XFor more details, please visit https://www.hsbc.com.sg/premier/overseas-education/

While your child is away studyingThey enjoy privileges that are exclusively available to Premier customers. This means:

• They get worldwide banking assistance wherever they are.

• They can spend fee-free‡ and perform cash withdrawals with their Everyday Global Debit Card.

• They receive instant transfers from your HSBC account via Global Transfers to their HSBC accounts at absolutely no fee to you .̂

Emergency support for your childRest assured that in the event of an emergency, your child can:

• Arrange a replacement card within 24 hours in the event of a lost HSBC Premier Mastercard credit card, and receive instant emergency cash of up to US$2,000 (or local currency equivalent) from any HSBC branch globally*.

• Call us on 1800-227 8889 or (65) 6216 9080 from overseas. Our HSBC Premier Singapore customer assistant will be available to

assist them.

If you lose your cards, receive immediate support by visiting the nearest HSBC Premier branch, or call 1800-227 8889 /+65 6216 9080 (overseas) to arrange for an emergency cash advance and order a next-day card replacement.*Available with authorisation from home country.

• $0 fees in 10 currencies for retail purchases, online shopping and cash withdrawal with your Everyday Global Account†.

• From necessities to indulgences, the HSBC Premier MasterCard Credit Card offers up to S$1,800 cash rebate annually and 5% cash rebate¶ for everyday spend.

• HSBC’s QuickFX app gives easy currency conversion at exclusive Premier rates with zero fees.

Wherever in the world your child’s next adventure takes them, we take care of all their banking needs so they can focus on the important things.

generationYour jetset future

gets it too

Global TransfersMove funds instantly between your HSBC accounts worldwide .̂

Global ViewSee the balances of all your linked HSBC accounts in 30 countries on one screen.

HSBC Wealth DashboardMonitor your wealth portfolio with analytics and forecasts using this holistic online wealth management platform.

Online Unit TrustBuy and sell mutual funds via an integrated trading platform.

HSBC QuickFX AppNo fee for currency conversions for your overseas spending.

Enhanced Global Cashback on Premier MasterCardGet 5% cashback and privileges on international spend on your Premier MasterCard¶.

Everyday Global AccountEasily manage 11 major currencies and enjoy free cash withdrawal at all HSBC ATMs worldwide†.

HSBC Personal Internet BankingManage your online banking needs conveniently and securely with a wide range of HSBC banking services and benefits.

Registration is fast and easy at www.hsbc.com.sg

Preferential Rates1

1 Preferential rates indicated are applicable only in Singapore, unless otherwise stated. For more information, please visit www.hsbc.com.sg/premier.2 Only available for currencies on the Everyday Global Account. 3 Applicants must be between 21 and 65 years of age with a minimum annual income of S$30,000. For self-employed/commission-based earners and foreigners residing in Singapore, a minimum annual income of S$40,000 is required. 4 For foreign currency notes deposited/ withdrawn in the same currency of account.

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Products/ Services Preferential rates

Wealth Management Time deposit, HSBC Premier account, HSBC Premier Lite savings account

FX Order Watch

HSBC Premier exclusive rates.

Preferential real-time exchange rates for multi-currency transfers2.

Credit Card Premier MasterCard

Visa Infinite

Exclusive to Premier customersNo annual fees charged.

Preferential annual fee of S$4884 complimentary limousine transfers and expedited immigration clearance.

Secured loan Home loan

International Mortgage(Australian property loan)

Enjoy preferential interest rates on your home loan package.

Exclusive for HSBC Premier customers.

Unsecured loan Personal line of credit3

Personal loan3

Preferential interest rate of 12% p.a. and annual fee waiver.

Preferential effective interest rate of 10% p.a. and processing fee waiver.

Banking Services Foreign currency deposits/withdrawals

Remittance

0.75% commission in lieu of foreign exchange4 (min. S$25).

Waiver of commission in lieu of exchange-related charges for all telegraphic transfers.

Outward telegraphic transfers via Personal Internet Banking will be subject to cable charges of S$20 per transaction and commission charges of minimum S$15 per transaction.

HSBC Premier Fees & Services5

Products/ Services Fees

HSBC Premier Service Fee S$50 per month if the Total Relationship Balance6 falls below S$200,000. Total Relationship Balance includes deposits, investments and/or insurance.

Cash withdrawals at local HSBC Group ATMs using the HSBC Premier Debit/ATM card or HSBC Premier MasterCard Credit Card

Cash withdrawals at atm5 network (includes ATMs from Bank of China, Citibank, Maybank, Standard Chartered Bank and State Bank of India in Singapore

Cash withdrawals at overseas HSBC Group ATMs using the HSBC Premier Debit/ATM card or HSBC Premier MasterCard Credit Card linked to your deposit account Cash withdrawals at overseas Visa/Plus and MasterCard®/Cirrus Network ATMs using the HSBC Premier Debit/ATM card or HSBC Premier MasterCard Credit Card linked to your deposit account

Free7

Waived (for Citibank and Maybank, charges are waived only at ATMs displaying the atm5 logo).

Each cash advance fee transaction is charged at 6% of amount withdrawn, or S$15, whichever is greater. Interest charges will be levied at 28% per annum on the amount withdrawn from the date of transaction until full payment is made or before the statement date, whichever is earlier.

5 All charges, interest rates, exchange rates, credit limit calculations and interest calculations are subject to change at the Bank’s discretion and may be adjusted from time to time. For the latest information on service charges and terms and conditions, log on to www.hsbc.com.sg/premier.6 For more information on Total Relationship Balance, refer to www.hsbc.com.sg/premier. 7 Excluding Argentina, France, Brazil, Greece, Malta, Mexico, New Zealand, Panama and Turkey. Overseas cash withdrawal is subject to prevailing exchange rates, where applicable.

HSBC Premier Fees & Services5

Description Service Fee Credit Limit Calculation

Interest Calculation

Personal Line of Credit Waived Up to eight times your monthly income8

Charged at daily rest on a 365 days per year basis

Personal Loan Not applicable Up to eight times your monthly income8

Charged at daily rest on a 365 days per year basis

Transaction type Maximum daily transfer limits

Transfer to accounts under your own name9 S$50,000 (excluding time deposit accounts)

Third party payments S$50,000

5 All charges, interest rates, exchange rates, credit limit calculations and interest calculations are subject to change at the Bank’s discretion and may be adjusted from time to time. For the latest information on service charges and terms and conditions, log on to www.hsbc.com.sg/premier. 8 Terms and condition apply. For more details, please refer to https://pilot.hsbc.com.sg/loans/choose-your-loan. 9 Balance enquiry is available for accounts under your own name and identification number.

Cash Withdrawal & Banking Services

ATM/Transaction type Singapore Overseas13

No. of ATMs Over 200 HSBC and atm5 ATMs10 Over one million HSBC. Visa/Plus and MasterCard/Cirrus ATMs

Type of currency Singapore dollar In the currency of the respective country

ATM withdrawal S$5,000 (maximum per day) via ATM

Determined by the bank in the respective country

Funds transfer between your accounts on the same ATM card

S$350,000 (maximum per day) via ATM

Funds transfer to third partyHSBC account

S$5,000 (maximum per day)

Point-of-sale facility11

• QuickCash12

• Visa Payment (EFTPOS and QuickCash)• NETS Payment

S$50 (minimum), S$500 (maximum) in Singapore, not applicable overseasS$2,000 (maximum per day)

S$2,000 (maximum per day)

10 The atm5 network comprises of HSBC, Bank of China, Standard Chartered, State Bank of India and selected Citibank and Maybank ATMs that bears the atm5 logo.11 Only for Debit Card usage. 12 Subject to the daily limit for point-of-sale facility.13 Fees and charges may apply for overseas purchase and cash withdrawal. For more information, please refer to our tariffs at https://www.hsbc.com.sg/tariffs/

Cash Withdrawal & Banking Services

ATM/Transaction type Singapore Overseas13

ATM banking services Withdraw cash from any account with HSBC Singapore, linked to the HSBC Premier Debit/ATM card through HSBC’s ATM network, Express Banking and ATMs in the atm5 network.

Deposit cash into any HSBC Singapore Debit or Credit Card account at our Cash Deposit Machines.

Transfer cash between any account linked to the HSBC Premier Debit/ATM card and other accounts with HSBC Singapore.

Check the latest balance of accounts linked to the HSBC Premier Debit/ATM card through HSBC’s ATM network, Day and Night Centres and ATMs in theatm5 network.

Change Personal Identification Number (PIN).

Order cheque book or statement for the accounts linked to the HSBC Premier Debit/ATM card.

Cash withdrawal, balance enquiry, fund transfer, cheque book and statement request dependenton country.

13 Fees and charges may apply for overseas purchase and cash withdrawal. For more information, please refer to our tariffs at https://www.hsbc.com.sg/tariffs/

A global network of HSBC Premier Centres

HSBC Branches with Premier Centres:

• Alexandra: 460 Alexandra Road #02-29 Alexandra Retail Centre, Singapore 119963• Claymore: 6 Claymore Hill, #01-01, Singapore 229571• Holland Village: 263 Holland Avenue, Singapore 278987• Jurong: 131 Jurong Gateway Road #01-257/259, Singapore 600131• Marine Parade: 80 Marine Parade Road, #01-92, Singapore 449269• Orchard Dhoby Ghaut: 68 Orchard Road #01-60, Plaza Singapura, Singapore 238839• Raffles Place: 50 Raffles Place Singapore Land Tower #01-03, Singapore 048623• Serangoon Garden: 62 Serangoon Garden Way, Singapore 555958• Suntec City: 3 Temasek Boulevard, #02-738, Singapore 038983• Hillview: 4 Hillview Rise, #01-10 HillV2, Singapore 667979

HSBC Premier International Centre:

• 6 Claymore Hill, #02-01, Claymore Plaza, Singapore 229571

HSBC Branches:

• Tampines Branch 10 Tampines Central 1, #B1-18, Tampines One, Singapore 529536

Operating hours:

Monday – Friday9.30 am – 5.00 pm Branch9.30 am – 3.30 pm Counter Services

Saturday9.30 am – 12 noon Branch9.30 am – 12 noon Counter ServicesClosed on Sundays and Public Holidays

A global network of HSBC Premier Centres

HSBC Premier Call Centres

Argentina (5411) 4340 5010Australia (612) 9005 8192Bahrain (9714) 224 1000Bermuda (441) 299 5252Canada (1604) 216 8800Cayman Islands (1) 345 914 7676Channel Islands (44) 1534 616 313Chile (562) 9156602China (86) 21 3888 8828 or (86) 400 820 8828Colombia (57) 1 3361500Egypt (202) 3535 9800France (33) 1 55 69 75 75Greece (30) 210 696 2165Hong Kong (852) 2233 3322India (91) 2266668815Indonesia (62) 21 25514722Jersey (44) 1534 616 313Jordon (9714) 2241000South Korea (800) 1577 3003Lebanon (9714) 2241000Macau (852) 2233 3322

Malaysia (603) 8321 5208 Malta (356) 21489100Mexico (52) 55 5721 3389New Zealand (64) 9 368 8557 Oman (9714) 224 1000Pakistan (9221) 3530 4467Panama (English) (507) 205 4751Panama (Spanish) (507) 205 4752Philippines (632) 976 8080Poland (48) 22 323 9999Qatar (9714) 224 1000Russia (Moscow) (7) 495 645 4555Russia (St. Petersburg) (7) 812 313 4555Saudi Arabia (966) 1 4066679Singapore (65) 6216 9080Sri Lanka (94) 11 4 4722 72Taiwan (886) 2 8072 3012Turkey (90) 212 4440112UAE (9714) 2241000UK (44) 1226 260 260USA (1) 716 841 6866Vietnam (84) 8 37 247 666

Branch Locator: https://www.hsbc.com.sg/branch-finder/

Terms and conditions ̂ Terms and conditions apply. For more information, please visit https://www.hsbc.com.sg/foreign-exchange/global-view-global-transfers/† Terms and Conditions apply. For more information, please visit https://www.hsbc.com.sg/accounts/products/everyday-global/‡ Fee waiver applies to HSBC Premier customers only who make successful retail purchases, online shopping or cash withdrawal via the 10 supported currencies (AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD and SGD). Visit www.hsbc.com.sg/premier for more details. Terms and conditions apply.¶ Minimum monthly Qualifying Spend requirement of S$600 applies and cash rebate is capped at S$150 per month. Visit www.hsbc.com.sg/credit-cards/products/ premier-mastercard/ for full details.

For further information on bank tariffs, visit hsbc.com.sg. Eligibility criteria, disclaimers, and terms and conditions may apply to the above products, services and privileges. For more information, please visit www.hsbc.com.sg/premier.

Correct at time of printing as of 4 December 2019.