Achieving your financial goals for the future starts today.

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1 Achieving your financial goals for the future starts today. GrowthInvest Insurance Plan, a simplified and flexible investment-linked solution with lifetime insurance coverage.

2 Fulfil your dreams for your loved ones while securing your ideal retirement. With an uncertain market and the cost of living increasing faster than your income, you need a sound financial plan to achieve your goals. With the simple and flexible product benefits offered by GrowthInvest Insurance Plan, you can better manage uncertainties, to help achieve your financial goals.

3 Enjoy growth potential with insurance protection against death or terminal illness. A simple and flexible product charge structure Typically investment-linked insurance plans in the market come with multiple product fees and charges, e.g. policy fees, supplementary charges, bid-offer spread, cost of insurance etc. Besides taking your time to understand how these overwhelming fees and charges work, they also effectively reduce your contribution in the plan. GrowthInvest Insurance Plan comes with only two charges; Product administrative fee of only 0.1% per month on the net asset value of the units in your policy account for the first 20 premium-paying years; and Fund management charge of up to 1.55% p.a. depending on the fund(s) you choose. Start building your wealth early Get a head-start in your investments with 100% of your premium being invested from the first year onwards. By investing more in the beginning, you may reap potentially better returns in the future. Ease in diversifying your investment portfolio You can manage the market volatility by building and re-balancing your investment portfolio easily with our unlimited free fund switches. Just choose from our wide range of investment-linked sub-funds managed by the professional fund managers across different asset classes, sectors, countries and regions to cater to your needs and tap onto different market opportunities. Flexibility to better manage market volatility and your cashflow In the event of short-term financial challenges, activate the premium holiday benefit to temporarily stop paying premiums until your financial situation improves after the second premium year with no additional cost. Even with the best intention, major life events can have a significant impact on your long term financial plans. With just a short four year surrender penalty period, GrowthInvest Insurance Plan gives you easier access to your funds if the need arises. However we recommend that you seek professional advice from your financial advisor before making a decision of surrendering your policy. Guaranteed minimum 110% payout in the event of death or terminal illness With GrowthInvest Insurance Plan, you are assured with an insurance coverage of 110% of the total regular premiums paid or market value of the policy (whichever is higher) in the event of death or terminal illness up to age 99 years. For example, if you have paid S$100,000 and market value of your policy is S$50,000, the payout will be S$110,000. No prior medical check-up is required. Let us help you to start achieving your goals.

4 Creating wealth through disciplined regular savings In the midst of accumulating your wealth, unexpected situations can occur which might disrupt your current or future financial plans. According to our 2014 retirement study titled A Balancing Act, around a quarter of working age Singaporeans say the global economic downturn had a direct and significant impact on their ability to save for retirement. Hence you need your plan to have the capability to cope with market changes and may therefore reduce any unavoidable market impact on your wealth. By investing a fixed amount regularly, you can take advantage of dollar cost-averaging to manage market risk, where you get to buy more units when the price is lower. Although you get fewer units when the price is higher, you may still benefit from a lower average cost in the long run. Regular investing over a one-year period Unit Price $13 $12 $11 $10 $9 $8 $7 $6 $ Units acquired based on regular purchase 1,333 Dollar-cost averaging units Average price: 102 $9/unit April May June July March February January December November October September August The graph illustrates a regular sum of S$1,000 invested over twelve months. If you invest a fixed amount regularly, you can take advantage of dollar-cost averaging, especially during the periods June to December when you have the opportunity to buy more holdings at a lower price, as compared to making a lump sum investment. Investing a lump sum at the start of the one-year period Unit Price $13 $10 $7 $4 1,200 Units acquired based on lump sum purchase 1,200 units Average price: $10/unit Lump sum investment April May June July March February January December November October September August A lump sum investor who devotes S$12,000 in January would have paid an average of S$10 per unit, while a regular consistent investor would have paid about S$9 per unit over the twelve-month period allowing him to purchase 133 more units. Note: The above diagrams are hypothetical and for illustration purpose only. They do not have regard to any specific investment objectives, financial situation and the particular needs of any specific person.

5 About HSBC Group and HSBC Insurance HSBC, a truly global brand HSBC is one of the world s largest banking and financial service organisations, with more than 6,100 offices in 73 countries and territories worldwide. Voted as the best Risk Advisor and Bank in Asia by Euromoney Awards for Excellence 2014, we aim to be where the growth is, connecting customers to opportunities. HSBC Insurance Singapore Our financial strength currently stands at almost S$3 billion in assets as at 31 December, Our Capital Adequacy Ratio (CAR) as at 31 December, 2014 was 285%, more than the statutory capital requirement. A+ rating from Standard & Poor s in 2015 thanks to our continued growth, strength of management and sound financial condition. Safety net for your assets HSBC Insurance Singapore is a member of the Policy Owners Protection Fund (PPF) scheme that was established to compensate policyholders in the event of the default of any registered insurer in Singapore. The PPF scheme will cover 100% of the liability of life policies, subject to applicable caps, in the event of the default of a registered insurer*. This will allow for better protection to policy owners. *As prescribed in Deposit Insurance and Policy Owners Protection Schemes Act 2011.

6 Speak to our authorised distributor HSBC today to address your insurance needs. Call 1800-HSBC NOW ( ) Click Visit any HSBC branch For all policy servicing related enquiries please call (65) Important Notes GrowthInvest Insurance Plan is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No N), 21 Collyer Quay #02-01 Singapore and distributed by HSBC Bank (Singapore) Limited ( HSBC ). It is not an obligation of, a deposit in, or guaranteed by HSBC. This brochure contains only general information and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. It does not constitute an offer to buy or sell an insurance product or service. A copy of the Product Summary in relation to GrowthInvest Insurance Plan is available and can be obtained from our authorised product distributor. A person interested in this product should read the relevant product summary for details before deciding whether to buy this product. Buying a life insurance policy is a long term commitment. An early termination of the policy usually incurs a high cost and the surrender value payable may be less than the total premiums paid. Information is correct as at 9 May This brochure is issued by HSBC Insurance (Singapore) Pte. Limited. Printed on environmentally friendly paper

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