HSBC Foreign Exchange Solutions

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1 HSBC Foreign Exchange Solutions Connecting Connecting you you to to opportunities opportunities around around the the world world

2 The world is getting smaller every day, day. opportunities Opportunities await us everywhere, everywhere. We we invest globally, globally. buy Buy properties overseas, overseas. Send send our children abroad to study. study, And and retire to interesting places. At HSBC, we understand this new world. And we have the FX solutions and expertise you need to fulfil your needs, ambitions, whatever whatever they they may be. may be.

3 REACH OUT TO THE WORLD

4 MAKE THE MOST OF YOUR FOREIGN CURRENCY INVESTMENTS

5 Investing in foreign currencies can be an attractive way to build your wealth. Trade foreign currencies more efficiently with our single Multi-currency Account offering 10 different currencies. Benefit from the growing international presence of the Renminbi (RMB). Help yourself to one of the world s largest and fastest growing economies with an HSBC Premier Renminbi Savings Account, a personal account in New Zealand, which facilitates RMB transactions and available exclusively to HSBC Premier customers. You can manage your HSBC Premier Renminbi Savings Account from anywhere in the world using internet banking.

6 Saving in foreign currencies is now a lot easier - whether you are sending your children overseas to study, buying a property in another country, or simply retiring to some foreign shore, we have the FX services you need. Save for future needs with our savings accounts and term deposits in 10 foreign currencies, including RMB. Enjoy potentially lower exchange rate with dollar cost averaging by transferring funds regularly from your local currency account to your foreign currency account (or vice versa). Convert your funds when your target exchange rate is reached with our FX Limit Orders. Simply set your target rate and amount for conversion through your Premier Relationship Manager and leave it to us to monitor the market for you 24 hours a day.* Manage all the personal accounts you maintain with HSBC globally on one screen with HSBC Internet Banking. View your balances, manage your accounts, and transfer money in real time whenever you need with Global View and Global Transfers, wherever you are in the world. *Minimum transaction size required

7 Global Transfers convenient and secure platforms for for real-time transfers to your overseas account anytime, via Internet and Internet Mobile Banking. ACCUMULATE THE MONEY YOU NEED TO ACHIEVE WHAT YOU ASPIRE TO

8 FX Order Watch interactive platform for you to set your target exchange rate and amount for conversion at branches, on Internet or Mobile Banking platforms and we will convert the money you need when the target rate is met. TRAVELLING SHOULD BE A PLEASURE NOT A CHORE

9 Make travelling a breeze with all the FX services you need, before you leave for your trip and while you are on the road. Pre order the foreign currencies you need through Internet Banking up to five business days before your trip and enjoy speedy collection the next business day at the HSBC Premier Centre at 1 Queen Street, Auckland. Withdraw cash in local currencies on every continent and in almost every country worldwide through our HSBC Group ATMs and at over 1,000,000 third party ATMs. Withdraw up to NZD1,000 equivalent from any Westpac branch in New Zealand using our affiliate bank cheque encashment service.

10 We all need good partners and expertise to help us achieve our goals. At HSBC, we understand this and provide the service platforms and specialist support to help you make the decisions that are right for you. Get the right FX solutions for your different needs by working hand in hand with your Relationship Manager. Make better decisions by staying up to date with market trends through our daily FX market updates and insights from FX experts. Enjoy easy, convenient and secure transactions at any time, wherever you are with our Internet Banking and Phone Banking platforms. Get access to recognised specialist advice from one of the world s leading Markets and Foreign Exchange houses. HSBC has been awarded: - Best Bank in Asia in the Euromoney Awards for Excellence 2014, - Best Flow House for Asia in the Euromoney Awards for Excellence 2014, - Asia Risk s Award for RMB House of the Year in 2013, and - Ranked third for Asia ex-japan in Euromoney s 2014 FX Poll.

11 ALL THE SPECIALIST ADVICE YOU NEED WHEN YOU NEED IT

12 Important notes Certain products services are available in selected markets only subject to the local regulations. Please Risk refer Disclosure to the branch and staff Important for details. Notes 1. Certain products and services are available in selected branches only subject to the local regulations. Please refer to the Risk Disclosure branch staff for details. 1. Some 2. Terms of the and investment conditions products (including are fees structured and charges) products apply which to may the products involve derivatives. and services The mentioned. 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 3. Eligibility criteria apply to HSBC Premier. to your financial situation, investment experience and investment objectives. 2. Unit 4. In Trusts, the worst Bonds, case Certificates scenario, of the Deposit value of (CDs) the funds and structured may be worth products substantially (including less Equity than Linked the original Investment, amount Structured you invested Notes, Deposit (and Plus, in an Structured extreme case Investment could be Deposits worth nothing). and Capital Protected Investment Deposits) are NOT equivalent to time deposits. Unit Trusts are investment products and some may involve derivatives. 5. Investors should not make investment decisions based on this material alone. 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 6. Investment of buying and involves selling risks. securities. 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 / 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 offering documents. extreme case could be worth nothing). 5. Issuer s 7. Currency Risk conversion Bonds, CDs risk and the structured value of products your foreign are subject currency to both deposit the actual will be and subject perceived to the measures risk of exchange of credit rate worthiness of the fluctuation. issuer. There If is you no choose assurance to convert of protection your foreign against a currency default by deposit the issuer to other in respect currencies of the at repayment an exchange obligations. rate that In is the less worst case favourable scenario (e.g. than insolvency the exchange of the rate issuer), in which you you might made not be your able original to recover conversion the principal to that and foreign interest currency, / coupon, you if may applicable, suffer and loss the in potential principal. maximum loss could be 100% of invested amount and no interest / coupon received. 6. Investors 8. RMB should is currently not make not freely investment convertible decisions and based subject on to this regulatory material alone. restrictions (which might be changed from time to time). 7. Investment As such, involves restrictions risks. may Past apply performance to RMB transactions of investment (e.g. products limitations are exist no guide on the to size future of individual performance. foreign For exchange details of the investment transactions products, to and their from related RBM). fees Please and contact charges your and relationship risk factors, manager please refer for further to the individual details. product materials / offering documents. 9. RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for 8. Currency RMB Income conversion Instruments. risk the The value bid of and your offer foreign spread currency of the price and RMB of RMB deposit Income will Instruments be subject to may the be risk large, of exchange so investors rate fluctuation. may incur If you significant choose trading to convert and your realization foreign costs currency and and may RMB suffer deposit losses to accordingly. other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal. 9. RMB is currently not freely convertible and subject to regulatory restrictions (which might be changed from time to time). For personal customers who are Hong Kong residents, conversions conducted through RMB deposit accounts with banks in Hong Kong are subject to the limit of up to RMB20,000 per person per day. Personal customers who are Hong Kong residents should allow time for conversion of RMB from / to another currency of an amount exceeding the daily limit. Non-Hong Kong residents are not required to observe the corresponding limits and requirements regarding Renminbi conversions for Hong Kong residents. 10. 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 document 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. Click : hsbc.co.nz Call : Issued by The Hongkong and Shanghai Banking Corporation Limited, incorporated in the Hong Kong SAR, acting through its New Zealand branch. HBFS638 12/14

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