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

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

2 REACH OUT TO THE WORLD The world is getting smaller every day. Opportunities await us everywhere. Be it investing globally, buying properties overseas, sending our children abroad to study and retiring in interesting places. Foreign exchange (FX) can be a good vehicle for you to increase your returns. At HSBC, we understand this new world. We have the FX solutions and expertise you need to fulfil your needs, whatever they may be.

3 Investing in foreign currencies can be an attractive way to build your wealth. MAKE THE MOST OF YOUR FOREIGN CURRENCY INVESTMENTS Convert foreign currencies more efficiently with our single Multi Currency Savings Account offering up to 11 different currencies. Gain potentially higher returns with our foreign currency structured products, bonds, mutual funds and time deposits. Take advantage of exchange rate fluctuations to enhance your yield with our Dual Currency Plus and accumulate foreign currencies to meet your future needs. Benefit from the growing international presence of the Renminbi (RMB). Pick from our full range of RMB denominated investment products ranging from bonds to unit trusts and structured products to meet your varying risk appetite and needs. Dual Currency Plus Speak with your HSBC Relationship Manager and our FX Specialists who can help you accumulate foreign currencies to meet your needs.

4 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. Global Transfer convenient and secure platforms for real-time transfer to your overseas HSBC account anytime, via Internet and Mobile Banking. Save for future needs with our Multi Currency Savings Account and time deposits in more than 11 foreign currencies. Enjoy potentially lower exchange rate with dollar cost averaging by transferring funds automatically and regularly from your local currency account to your Multi Currency Savings Account (or vice versa) by setting standing instructions. Set an FX alert for up to 90 days with FX Order Watch and receive a free SMS or when your target exchange rate is reached. Convert currencies automatically when your target exchange rate is reached with our FX Order Watch. Simply set your target rate and amount for automatic conversion through our Internet and Mobile Banking platforms. Or speak to your HSBC Relationship Manager to place an order. Manage all the personal accounts you maintain with HSBC globally 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. Global Transfers also lets you set up recurring transfers between your international HSBC accounts with ease. This service is complimentary for HSBC Premier customers. ACCUMULATE THE MONEY YOU NEED TO ACHIEVE WHAT YOU ASPIRE TO

5 Worldwide Transfer access real-time foreign exchange rates online 24 hours, 5.5 days a week. Worldwide Transfer now offers preferential exchange rates on an expanded range of currencies including the Chinese Renminbi, Indian Rupee and more for HSBC Premier and Advance customers. Access real time foreign exchange rates 24 hours/5.5 days a week, and preferential rates during the weekend*. Convert your funds with certainty with an agreed exchange rate before any transfers, with Worldwide Transfer. Access global bank search tool to make your remittance and saved transfers easier. Never miss an international payment again. Simply set recurring or future dated payments with Worldwide Transfer. ENJOY GREATER CONVENIENCE WITH OUR FOREIGN EXCHANGE SERVICES Get FX services any time you want day or night from wherever you are by simply logging on to HSBC Internet Banking, or call us at * Worldwide Transfer exchange rates are variable and are changing constantly, reflecting the movements in foreign exchange markets. On weekends and Public Holidays, we use the exchange rate saved at the close of business on the previous working day.

6 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. ALL THE MARKET EXPERTISE YOU NEED Get the right FX solutions for your different needs by working hand in hand with our FX Specialists and your HSBC Relationship Manager. Stay up-to-date with market trends and make informed decisions through our daily FX market updates and insights from our FX Specialists. Enjoy easy, convenient and secure transactions at anytime and wherever you are with our Internet Banking and Mobile Banking platforms. Get access to recognised market insights 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. FX Order Watch interactive platform for you to set your target exchange rate and amount for conversion on Internet or Mobile Banking platform or at branches and we will convert the money you need when the target rate is met.

7 Risk Disclosure 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 and Structured products are NOT equivalent to time deposits, and are NOT protected under the Singapore Deposit Insurance Scheme. 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 and 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 documents. 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. 9. Renminbi is not a freely convertible currency and is subject to changes in regulations initiated by the Chinese authorities. There may be a gain or loss when you convert foreign currency. Customers are advised to make their own independent judgment in considering whether to place funds in RMB deposits or RMB denominated investments. 10. Deposits into any Renminbi ( RMB ) Deposit Account shall be by way of foreign exchange conversion from non-rmb denominated currency(ies) only, save for transfers between a RMB Time Deposit Account and a RMB Multi Currency Savings Account opened hereunder. Withdrawals from any RMB Deposit Account shall be by way foreign exchange conversion into non-rmb denominated currency(ies) only, save for transfers between a RMB Time Deposit Account and a RMB Multi Currency Savings Account opened hereunder. The deposit in your RMB Deposit Account shall be converted from RMB to another freely convertible currency for withdrawal, at the Bank s prevailing exchange rate. Deposit Insurance Scheme Singapore dollar deposits on non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. 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. Important Notes: This material has been prepared for information only. Information contained in this material is obtained from sources believed to be reliable, however HSBC does not guarantee its completeness or accuracy. This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The specific investment objectives, personal situation and particular needs of any person have not been taken into consideration. You should therefore not rely on it as an investment advice. Opinions and estimates expressed are subject to change without notice and HSBC expressly disclaims any and all liability for representations and warranties, express or implied, contained herein, or for omissions. The mention of any investment product should not be construed as representing a recommendation to buy or sell that product, nor does it represent a forecast on future performance of the product. The value of investments and units may go down and up, and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. Investors and potential investors should read the relevant prospectus or product information, available at HSBC branches, before investing. Before you make any investment decision, you may wish to consult a financial adviser. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether the product is suitable for you. Click : hsbc.com.sg/fx Call : 1800-HSBC NOW ( ) Issued by The Hongkong and Shanghai Banking Corporation Limited, which is incorporated in Hong Kong SAR with limited liability.

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