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HSBC Service Guide 1 September 2021

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bankingunique experience 3 you for success Always there, wherever and whenever you need us Supporting Wherever life takes you, access our banking support and services from anywhere in the world:

• A dedicated Relationship Manager.*

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

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

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

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

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

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

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

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

Other banking services fees and charges may apply. *A dedicated Relationship Manager will be allocated to Premier customers who meet the local HSBC Our service to you starts here in Australia and extends to Premier eligibility requirements. Refer to the Premier eligibility section in this document on page 5. #Markets where HSBC Premier is available, subject to terms and conditions in the local market. wherever you are in the world. ^Excluding courier time and postage time. Premier eligibility 5 Gaining and retaining Premier status You can access exclusive HSBC Premier benefits provided you satisfy the following: • “Premier balance” qualification – a minimum of AUD150,000 equivalent* in savings with HSBC Australia; or • “Premier money in” qualification – a minimum of AUD9,000 per month into an HSBC Australia or ^ and • Holding an HSBC Everyday Global Account+ which you must maintain. Premier customers (excluding International Premier and Jade, Commercial Relationship and Private Banking Clients) must continue to meet the Premier eligibility criteria. If you fail to meet the criteria for 6 months consecutively then your Premier status will be removed. You will receive notifications from HSBC in advance of your Premier status being removed to give prior warning. If you are not a Premier customer but meet the Premier qualifying criteria for 6 consecutive months then you may be upgraded to Premier status. This comes at no cost and you will have access to the Premier benefits outlined in this Premier Service Guide. You will receive notifications from HSBC in advance of your status being upgraded to Premier.

*Excluding balances held in the HSBC Offset Savings Account. Savings held in foreign currency contributes to the AUD150,000 in savings criteria. HSBC has discretion to determine the AUD equivalent foreign currency amount based on HSBC Australia’s currency exchange rate calculation. ^This includes funds paid into any HSBC Australia transaction account, savings account, mortgage offset account or home loan account (i.e. Home Value, Home Smart, Home Equity and Standard Variable Rate). It exclude funds deposited in foreign currency and funds transferred from another HSBC Australia account, including from another HSBC customer. If you are a HSBC International Premier or Jade customer you can request Premier status in Australia by providing evidence of your Premier status in another country. If you are an with one of our Commercial Banking clients you can request Premier status by providing evidence that you are a Commercial Banking client executive. If you are a client in Australia you can request Premier status by providing evidence that you are a Private Banking client. +For existing Premier Cash Management Account holders (Premier CMA), your Premier CMA is considered one of Make the most of a world of benefits. Dedicated support the qualifying accounts under the Premier eligibility criteria. Existing Premier CMA account holders are not required to open and maintain an HSBC Everyday Global Account. Please note, Premier CMA has been discontinued and is no and global access. longer available to new customers. Refer to: .com.au/help/discontinued-accounts/ Benefits 7 The HSBC Everyday Global Account*

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

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

• Foreign currency. Buy, hold, transfer and spend in up to 10 currencies in your account6. Transfer between currencies at HSBC Real Time Exchange Rates17 24/7 to make the most of currency movements as they occur.

AUD GBP HKD JPY SGD USD EUR CAD NZD CNY ∞

∞ Currency restrictions apply

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

*The HSBC Everyday Global Account is available to all HSBC customers. Please refer to the Transaction and Savings As an HSBC Premier customer, enjoy our prestigious Account Terms and Guide at hsbc.com.au/content/dam/hsbc/au/docs/accounts/transaction-savings- terms-and-conditions.pdf and the Personal Banking Booklet for more information at hsbc.com.au/content/dam/hsbc/au/ local banking products and services. docs/ways-to-bank/personal-banking-booklet.pdf Globally connected 9 A Global View of all your accounts

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

Global View

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

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

• Enjoy Global View anytime, anywhere with .

Global Transfers

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

• HSBC Real Time Foreign Exchange Rates17 on supported currencies, including future dated and recurring transfers.18

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

• Generous single transfer limit allows you to transfer larger amounts between your globally linked accounts via the HSBC platform.

Wherever you find yourself, you’re connected. See all your linked accounts in one place. Make instant transfers when you need to. Premier 11 HSBC Premier Credit Card by Mastercard® Credit Card • Reward Points on your choice of two reward programs:

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

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

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

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

• Additional credit cardholders at no extra cost.^

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

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

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

The HSBC Premier World Mastercard®. Minimum credit card limit of $10,0009. Make the most of having two different ways *Eligibility criteria and conditions apply available at hsbc.com.au or call 1800 648 093. † Excludes Corporate cards. of being rewarded. ^Other fees and charges apply. Further benefits 13 HSBC Home Loan Package discount for Premier customers As a Premier customer, you can enjoy a discounted HSBC Home Loan Package fee.^ With the HSBC Home Loan Package you can also benefit from a discounted interest rate and a waiver of the settlement, establishment and valuation7 fees on some of our most popular home loans8.

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

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

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

• Unlimited fee free withdrawals from HSBC ATMs15 and Branches.

• Assistance with accessing credit in overseas countries.

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

• 24 hours HSBC Customer Service hotline.

• Access to HSBC Markets Desk, a dedicated team of FX Specialists, to support and discuss your FX needs and trades over the phone.16

We want you to be more comfortable, wherever you ^HSBC Premier customers will receive a 50% discount on the HSBC Home Loan Package annual fee as set out in the Home Loan Terms hsbc.com.au/content/dam/hsbc/au/docs/home-loans/terms-and-conditions.pdf choose to live or invest in property. Premier eligibility criteria applies. Accessing Premier 15

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

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

Customer Account Total Total Premier qualifying Qualified Customer Account Total Total Premier qualifying Qualified Type deposits in deposits for Premier Type deposits in deposits for Premier the month the month

Customer C & Customer G & 3 Joint $2,000 $2,000 7 Joint $9,000 $9,000 Customer D Customer H (based on $9k in joint a/c) $3,000 (sole) + $2,000 Customer C Sole $3,000 $0 (sole) + $9,000 (joint) (joint) = $5,000 7 Customer G Sole $0 = $9,000 3

$9,000 (sole) + $2,000 3 Customer D Sole $9,000 $0 (sole) + $9,000 (joint) (joint) = $11,000 (based on $9k Customer H Sole $0 3 in sole a/c) = $9,000

In this example Customer D would qualify for Premier status but Customer C would not In this example both Customer G & Customer H would qualify for Premier status

Below is an example of how joint customers can obtain Premier Status based on their Joint customer – Premier qualification example – Regular Money In $9,000+ savings in the account/s. across accounts held individually or jointly

Customer Account Total Total Premier qualifying Qualified Joint customer – Premier qualification example – Savings $150,000+ Type deposits in deposits for Premier the month Customer Account Account Total Premier Qualifying Qualified Type Balance Balance for Premier Customer E & (month end) Joint $4,000 $4,000 Customer F 7 Customer A & Joint $50,000 $50,000 Customer B 7 $2,000 (sole) + $4,000 Customer E Sole $2,000 7 (joint) = $6,000 3 $125,000 (sole) + $50,000 Customer A Sole $125,000 (based on 3 (joint) = $175,000 $5,000 (sole) + $4,000 >$150k in sole Customer F Sole $5,000 (based on $9k + joint a/c) (joint) = $9,000 in total sole + joint a/c) $75,000 (sole) + $50,000 Customer B Sole $75,000 (joint) = 7 In this example Customer F would qualify for Premier status but Customer E would not $125,000

In this example customer A would qualify for Premier status but customer B would not Important information 17 Fees and charges Fees and charges for HSBC Premier are contained in the applicable product terms and conditions.

Variation Where we change or withdraw the HSBC Premier benefits, features, eligibility criteria, or preferential pricing which may disadvantage you, will give you 30 days notice in writing.*

Termination of HSBC Premier agreement and removal of Premier benefits You will not be eligible for HSBC Premier if: • we inform you that you are not eligible anymore; or • you have breached any part of the HSBC Premier Terms and Conditions; or • we do not offer HSBC Premier anymore.

You can cancel your HSBC Premier status by notifying us^ and we will process the request.

Following termination of the HSBC Premier agreement and despite holding Premier branded products, you will not receive Premier benefits as prescribed in this Premier Service Guide.

If you hold a Premier Cash Management Account (Premier CMA), you can continue to hold this account and use the linked Premier Visa Debit Card.

If you have a Premier Credit Card, you can continue to use this and maintain the benefits associated with this credit card.

If you hold a Premier branded Everyday Global Visa Debit Card, you can continue to use the card until expiry or until the new Everyday Global Visa Debit Card is issued.

*For more information regarding notices, refer to the HSBC Personal Banking Booklet available at hsbc.com.au/ We’re here to support your individual needs. Tailoring content/dam/hsbc/au/docs/ways-to-bank/personal-banking-booklet.pdf ^Your first point of contact is your HSBC Premier Relationship Manager who will be on hand to assist you with services and support around your personal banking your banking needs and can talk you through your HSBC Premier benefits. If you do not have the details of your Relationship Manager, please either visit a HSBC branch or contact the HSBC Premier Call Centre on 1300 301 168 needs. (within Australia) or (+61 2) 9005 8192 (if calling from outside Australia) Premier terms and conditions

Eligibility criteria and the HSBC Premier Terms and Conditions apply. The HSBC Premier benefits, features and 13. The insurance policy is issued by and underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 eligibility criteria set out within this brochure are current as at 1 September 2021. 122 850 AFSL 234708. HSBC Limited (HSBC) ABN 48 006 434 162 AFSL 232595 acts as an agent for Allianz in providing its arranging and referral services and may provide general advice in relation to 1. As well as over 350 HSBC Premier Centres, there are around 8,500 HSBC service points around the world. the products mentioned. We do not take into account what you currently have, want or need for your financial 2. You may request up to USD2,000, and further amounts may be made available upon application, assessment future. You should consider these matters and read the Product Disclosure Statement (PDS) before you make and approval by HSBC. Funds will only be provided in countries where HSBC is located and where you present a decision. A copy of the PDS is available at hsbc.com.au, by visiting an HSBC branch or calling 1300 308 008. adequate identification (such as your Passport, HSBC Premier World Mastercard® or HSBC Premier branded HSBC receives commission, which is a percentage of the premium, details can be provided on request. HSBC Everyday Global Account or HSBC Premier Visa debit card). You can request advance information about any does not guarantee or accept liability for any products offered by Allianz. fees, charges and interest that may apply. HSBC will only advance these funds if the laws of the country you’re 14. Applies only if you have an HSBC Premier World Mastercard®. Card replacement services are operated by in allows us to do this, and will be subject to your HSBC product terms and conditions. Mastercard® International and its appointed agent/third party service provider, and may not be possible in certain 3. Other banking services fees and charges may apply. Eligibility criteria, exclusions and terms and conditions apply. circumstances beyond their control which include difficulties in locating you.

4. You will earn 2% cashback on eligible purchases under $100 when you tap and pay with Visa payWave, Apple 15. Non HSBC ATM owners/operators may charge an ATM Operator Fee for withdrawals or balance enquiries at their Pay or Google Pay™. This will be paid into your Everyday Global Account with the maximum cashback you ATMs. can earn being $50 per calendar month. Eligible purchases must be made in Australian Dollars and where the 16. Minimum Markets Desk foreign exchange trades apply or as accepted by the Bank. For more information, refer merchant or its financial institution/ payment processor is registered in Australia. Purchases which are excluded to hsbc.com.au/foreign-exchange/fx-service/ for cashback include business, gambling and transactions (including public transport). For full exclusion list, refer to the HSBC Transaction and Savings Account Terms. 17. Real Time Exchange Rates supported currencies - HSBC Real Time Exchange Rates will apply for AUD, USD, EUR, GBP, CNY, HKD, CAD, NZD, JPY, CHF, SGD, AED, DKK, MXN, NOK, SAR, SEK, THB and ZAR when 5. Mobile Payments, including Apple Pay and Google Pay™, can be used wherever you can make contactless using HSBC Online or Mobile Banking for transfer between HSBC Australia accounts and international transfers in store purchases and online at participating retailers where the logo are displayed. For a list of compatible within currency cut off times. Apple Pay devices, see support.apple.com/km207105. For a list of compatible Google Pay™ devices, see support.google.com/pay/#topic. In order to use Apple Pay or Google Pay™ you must agree to the HSBC with When Real Time Exchange Rates are used - HSBC Real Time Exchange Rates will apply when the foreign Apple Pay or HSBC with Google Pay™ Terms and Conditions available at hsbc.com.au/ways-to-bank/mobile- exchange (FX) market is open. When the FX market is closed on weekends (that is from the US market closing banking/ time on Friday to the Asia market opening time on Monday), the HSBC real time exchange rate is priced off the exchange rate applying at the time the US market closed plus an additional weekend margin. 6. Funds can only be held in one of the 10 listed currencies available on the Everyday Global Account. Where a When Real Time Exchange Rates are not used - The HSBC Real Time Exchange Rate will not apply on currency is not one of the 10 listed currencies or is the restricted currency CNY¥, purchases and ATM withdrawal currency holidays, on NSW and US public holidays, to transfers in currencies not listed above and to transfers amounts will be automatically deducted and converted from the AUD account into the local currency at the Visa outside of HSBC Australia entered after currency cut-off times. Instead, the HSBC Daily Exchange Rate, which exchange rate. The HSBC Daily Exchange Rate, which is set and refreshed every 30 minutes daily from 7:00 AM is set and refreshed every 30 minutes daily from 7:00 AM to 7:00 PM (excluding weekends and NSW public to 7:00 PM (excluding weekends and NSW public holidays) will apply when you automatically exchange from holidays) will apply. For future dated transactions via HSBC Online or Mobile Banking, the HSBC Daily Exchange AUD to the 10 listed currencies (excluding CNY) at the time of a purchase or ATM withdrawal. Rate on the future date of the transaction will apply. 7. Standard valuations only Real Time Exchange Rates and Global Transfers - HSBC Real Time Exchange Rates will apply for Global Transfers between your HSBC Accounts. For transfers in unsupported currencies using Global Transfers, the 8. Eligible loans are Standard Variable Rate, Home Equity, Home Smart, Fixed Rate and Construction receiving country’s daily exchange rate will apply and currency cut-off times of the receiving country may also 9. HSBC Premier World Mastercard® is based on a credit limit of $10,000. HSBC Lending Criteria Applies. apply. For future dated transactions using Global Transfers, the HSBC Real Time Exchange Rate on the future date of the transaction will apply when the FX market is open. 10. Rewards Plus Program terms and conditions apply. Foreign Exchange Risk and Other Fees - Transfer and correspondent banking fees may apply for transfers 11. Eligible purchases exclude interest free promotions, balance transfers, business expenses, cash advances, outside of HSBC Australia. FX transactions are subject to foreign exchange risk associated with exchange rate fees and charges, any disputed transactions, reversed transactions, BPAY® and any Government fee or charge. movements. HSBC accounts should not be used for speculative FX purposes. Rewards program terms and conditions apply. Visit hsbc.com.au/credit-cards/terms/ 18. The exchange rate applied to future dated and recurring transfers using Global Transfer is the exchange rate 12. Qantas Points accrue in accordance with and subject to the HSBC Qantas Rewards terms and conditions. You applicable on the day the transfer is processed. must be a member of the Qantas Frequent Flyer program and provide your valid membership number to HSBC in order to earn and redeem points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. Eligible purchases exclude interest-free promotions, balance transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any Government fee or charge. Get in touch

Visit HSBC’s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday – Friday, 8am – 8pm (AEST) hsbc.com.au/premier

Issued by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595. HBAAGEN002-R09 0921