Personal Service Charges Effective date: June 30, 2015 Statement of Disclosure

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1 1. HSBC Premier HSBC Premier is designed to give our customers recognition and benefits whether at home or abroad. It s important that you understand exactly how HSBC Premier works. We ve created this summary to explain the fees and some key benefits of HSBC Premier. Understanding HSBC Premier Eligibility Criteria Minimum Qualifying Balance Total Relationship Balance Grace Period Total Relationship Balance of $100,000 (CAD). We call all the positive balances you have with HSBC your Total Relationship Balance and this includes: average deposit balance in your HSBC personal chequing and savings account(s), including joint accounts, Guaranteed Investment Certificates (GICs), term deposits, and registered plans (including Tax Savings Accounts) for the monthly cycle; market value of your personal investments in HSBC Investment Funds (Canada) Inc. on the last day of the month; market value of your personal investments with HSBC InvestDirect on the last day of the month; and market value of your personal investments with HSBC Private Wealth Services (Canada) Inc. on the last day of the month. Total Relationship Balance does not include: investments in HSBC Bank Canada Registered Retirement Income Funds (RRIF), funds in accounts that we have not been able to identify as part of your personal banking relationship, sole accounts held by other people with whom you may have joint accounts, and personal loan, line of credit, overdraft, mortgage or HSBC MasterCard balances. You have six months from the date you become a new Premier customer to meet the Minimum Qualifying Balance. During this time, we do not charge the Below Minimum Qualifying Balance Fee (see below). We may allow you to still receive HSBC Premier benefits if you temporarily fall below the Minimum Qualifying Balance. Contact your HSBC Premier Relationship Manager for more information. Below Minimum Qualifying Balance Fee We may charge this fee if your Total Relationship Balance is below the Minimum Qualifying Balance. We don t charge this fee in your first six months as a new Premier customer. $28.00 per month Fees Premier Chequing Account Unlimited transactions for up to five Premier Chequing accounts. Other Fees Other sections of this Statement list fees that apply even though you qualify for HSBC Premier Service. We clearly explain which fees we reduce or waive for Premier customers in the relevant sections below pertaining to HSBC Premier Service. HSBC Premier Included Benefits HSBC Premier Relationship Manager HSBC Premier World MasterCard 1 or Premier MasterCard 1 An HSBC Premier Relationship Manager supports your day-to-day banking needs, helping you manage and grow your wealth. HSBC Premier World MasterCard 1 or Premier MasterCard 1 with a choice of reward programs (HSBC Premier Rewards or Cashback) E_ Page 1 of 16

2 Withdrawals and deposits at HSBC ATMs and more than 2,300 ATMs on THE EXCHANGE 2 network. HSBC Premier Debit Card Unlimited rebates on service fees you pay other banks (maximum $2.00 each) for transactions made at non-hsbc ATMs and non-the EXCHANGE 2 ATMs in Canada. Interac 3 debit purchases across Canada. Outside Canada withdrawals (including withdrawals at HSBC s worldwide network of ATMs and at all ATMs displaying the Cirrus Logo). No HSBC charge - other banks may charge a fee. Accounts for family members under age 26 Canadian Dollar High Rate Savings Account for children and dependents of HSBC Premier customers (must be held jointly with a parent or guardian). account transaction fees HSBC Premier Included Benefits (continued) Account Services Unlimited withdrawals and deposits at HSBC Branches in Canada and through HSBC Internet, Telephone and Mobile Banking Personalized HSBC Premier Cheques Clearing cheques Viewing cheque images online (available for only the past 180 days) Cheque image return with statement Bill payments (including paying in the branch) and pre-authorized payments Notices related to post-dated items we hold for deposit Stop payments Bank Drafts Bank drafts Foreign Exchange International Services Foreign Cash Handling Fee Depositing or cashing a foreign currency cheque Foreign banknotes exchanged to/from local currency Emergency cash withdrawals (also called encashment ) Opening an international account E_ Page 2 of 16

3 Sending wire transfers using an HSBC Branch in Canada less than $10,000 $30 per transfer between $10,000 and $50,000 $50 per transfer more than $50,000 $80 per transfer Sending wire transfers using HSBC Internet Banking HSBC Premier Included Benefits (continued) Wire transfers and related services less than $10,000 between $10,000 and $50,000 between $50,000 and $150,000 more than $150,000 $15 per transfer $25 per transfer $40 per transfer Not available online - visit an HSBC Branch Sending funds to another HSBC office globally $15 per transfer Self-to-self transfers using HSBC Global View and Global Transfers (up to $100,000) When you send wire transfers, other banks that process or receive your funds may also charge fees, including foreign exchange fees, even if the transfer is rejected or returned. 2. HSBC Advance HSBC Advance aims to simplify your banking needs today and help you achieve your financial needs tomorrow. It s important that you understand exactly how HSBC Advance works. We ve created this summary to explain the fees and some key benefits of HSBC Advance. Understanding HSBC Advance Eligibility Criteria Minimum Qualifying Balance Total Relationship Balance You must have at least one of the following: Total Relationship Balance of $25,000 (CAD) or more Total Mortgage Balance of $150,000 (CAD) or more We call all the positive balances you have with HSBC your Total Relationship Balance and this includes: average deposit balance in your HSBC personal chequing and savings account(s), including joint accounts, Guaranteed Investment Certificates (GICs), term deposits, and registered plans (including Tax Savings Accounts) for the monthly cycle; market value of your personal investments in HSBC Investment Funds (Canada) Inc. on the last day of the month; market value of your personal investments with HSBC InvestDirect on the last day of the month; and market value of your personal investments with HSBC Private Wealth Services (Canada) Inc. on the last day of the month. Total Relationship Balance does not include: investments in HSBC Bank Canada Registered Retirement Income Funds (RRIFs), funds in accounts that we have not been able to identify as part of your personal banking relationship, sole accounts held by other people with whom you may have joint accounts, and personal loan, line of credit, overdraft, mortgage or HSBC MasterCard balances E_ Page 3 of 16

4 Understanding HSBC Advance Eligibility Criteria (continued) Total Mortgage Balance Grace Period We call the amount you owe to HSBC on an active and up-to-date mortgage loan(s) your Total Mortgage Balance. If you do not meet the minimum Total Relationship Balance, your Total Mortgage Balance must be $150,000 or more. You have six months from the date you become a new Advance customer to meet the Minimum Qualifying Balance. During this time, we do not charge the Below Minimum Qualifying Balance Fee (see below). We may allow you to still receive HSBC Advance benefits if you temporarily fall below the Minimum Qualifying Balance due to changes in the market value of your personal investments with HSBC. Below Minimum Qualifying Balance Fee We charge this fee if you do not meet the Minimum Qualifying Balance. We don t charge this fee in your first six months as a new Advance customer $25.00 per month Fees Advance Chequing Account 1 Unlimited transactions for up to three Advance Chequing accounts. Other Fees Other sections of this Statement list fees that apply even though you qualify for HSBC Advance. We clearly explain which fees we reduce or waive for Advance customers the relevant sections below pertaining to HSBC Advance. HSBC Advance MasterCard 1 HSBC Advance MasterCard 1 with a choice of reward programs (HSBC Advance Rewards or Cashback). HSBC Advance Included Benefits HSBC Advance Debit Card Account Services International Services Withdrawals and deposits at all HSBC ATMs and more than 2,300 ATMs on THE EXCHANGE 2 network. Rebates for service fees you pay other banks (maximum $2.00 each) for transactions made at non-hsbc ATMs and non-the EXCHANGE 2 ATMs in Canada. Interac 3 debit purchases at retailers across Canada. Outside Canada withdrawals (including withdrawals at HSBC s worldwide network of ATMs and at all ATMs displaying the Cirrus Logo). Unlimited withdrawals and deposits at HSBC Branches in Canada and through HSBC Internet, Telephone and Mobile Banking Clearing cheques Viewing cheque images online (available for the past 180 days) Cheque image return with statement Bill payments (including paying in the branch) and pre-authorized payments Emergency cash withdrawals (also called encashment ) Opening an international account Five free rebates per month - other banks may charge an additional fee. $2.50 per month $ E_ Page 4 of 16

5 Sending wire transfers using an HSBC Branch in Canada: less than $10,000 $40 per transfer between $10,000 and $50,000 $55 per transfer more than $50,000 $85 per transfer Sending wire transfers using Internet Banking: HSBC Advance Included Benefits (continued) Wire transfers and related services less than $10,000 between $10,000 and $50,000 between $50,000 and $150,000 $30 per transfer $40 per transfer $45 per transfer more than $150,000 Not available online - visit an HSBC Branch Self-to-self transfers using HSBC Global View and Global Transfers (up to $100,000) When you send wire transfers, other banks that process or receive your funds may also charge fees, including foreign exchange fees, even if the transfer is rejected or returned. $7 CAD, $7 USD, $8 AUD, $54 HKD, 5 GBP, 5 EUR, 659 JPY, 8 CHF (per transfer based on the currency of the originating account) 3. Other Personal Banking Accounts HSBC Premier or HSBC Advance does not reduce or waive the fees associated with the chequing, savings or registered accounts in this section. Chequing Accounts 1 Monthly Fee Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information Performance Chequing Unlimited (Canadian Dollar, US Dollar) with Student Discount* (Canadian Dollar only) with Senior Discount** (Canadian Dollar only) $14.95 per account $4.00 per account Unlimited withdrawals and debits, including: at an HSBC Branch in Canada through HSBC Internet, Telephone or Mobile Banking at an HSBC ATM in Canada or at an ATM on THE EXCHANGE 2 network in-branch bill payments clearing cheques Debit card fees 3 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) View cheque images online Cheque image return with statement Personalized HSBC cheques $2.50 per month 5 * Student discount is available to customers age 18 years or older with proof of enrollment in a full-time secondary or post-secondary education program. The discount is effective starting from the date we confirm your enrollment until the graduation date you tell us. If your graduation date changes, please let us know to ensure your discount continues. Additional fees paid before proof of enrollment is confirmed may not be refunded. ** Seniors discount is available to customers age 60 years or older. When you turn 60, please let us know. You will get the Senior Discount only after you let us know you are over 60 and provide proof of age. Fees paid before proof of age is confirmed may not be refunded E_ Page 5 of 16

6 Chequing Accounts 1 Monthly Fee Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information Performance Chequing Limited (Canadian Dollar, US Dollar) with Student Discount* with Youth Discount with Seniors Discount** with RDSP Beneficiary Discount ± $4.00 per account First 14 transactions (withdrawals and debits) per monthly statement cycle After your first 14 transactions, we charge a fee for transactions: at an HSBC Branch in Canada through HSBC Internet, Telephone or Mobile Banking at an HSBC ATM in Canada or an ATM on THE EXCHANGE 2 network in-branch bill payments clearing cheques Debit card fees 3 $0.75 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) View cheque images online Cheque image return with statement Personalized cheques $2.50 per month Varies 5 Savings Accounts 4 Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information High Rate Savings Account Canadian Dollar (CAD) First 3 transactions (withdrawal and debits) per monthly statement cycle Debit card fees 3 After your first 3 transactions, we charge a fee for transactions: at an HSBC Branch in Canada through HSBC Internet, Telephone and Mobile Banking at an HSBC ATM in Canada or an ATM on THE EXCHANGE 2 network in-branch bill payments 11 transfers to HSBC deposit accounts (CAD currency) in same customer name transfers to another HSBC customer transfers to accounts at another financial institution (CAD only) $5.00 each $5.00 each $5.00 each $5.00 each $5.00 each $5.50 each $5.00 each $5.00 each at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) * Student discount is available to customers age 18 years or older with proof of enrollment in a full-time secondary or post-secondary education program. The discount is effective starting from the date we confirm your enrollment until the graduation date you tell us. If your graduation date changes, please let us know to ensure your discount continues. Additional fees paid before proof of enrollment is confirmed may not be refunded. Youth discount is available for customers under 18 years of age. Performance Chequing Limited will be provided to such customers without chequing privileges. ** Seniors discount is available to customers age 60 years or older. When you turn 60, please let us know. You will get the Senior Discount only after you let us know you are over 60 and provide proof of age. Fees paid before proof of age is confirmed may not be refunded. ± RDSP Beneficiary Discount is available for customers who are Registered Disability Savings Plan (RDSP) beneficiaries and provide proof of eligibility. Additional fees paid before eligibility is confirmed may not be refunded E_ Page 6 of 16

7 Savings Accounts 4 Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information High Rate Savings Account Foreign Currency United States Dollar (USD) British Pounds (GBP) Euros (EUR) Withdrawals and debits at an HSBC Branch or through Internet, Telephone, or Mobile Banking, including: United States Dollar accounts British Pound accounts Euro accounts USD 0.60 GBP 0.75 EUR Transactions on foreign currency accounts are not available through ATMs or Interac 3 debit. We do not keep foreign cash in all currencies at all branches. We may have a deposit and withdrawal minimum for foreign cash. Speak to your branch for more information. Bill payments not allowed. Transfers to accounts at another financial institution not allowed. Foreign Currency Savings Withdrawals and debits at an HSBC Branch or through Internet, Telephone, or Mobile Banking: Transactions on foreign currency accounts are not available through ATMs or Interac 3 debit. Hong Kong Dollars (HKD) Hong Kong Dollar accounts Renminbi accounts $8.50 HKD 6.00 CNY You can only make electronic transactions on Renminbi accounts. Branches cannot process deposits or withdrawals by cash, cheque, or bank draft. Renminbi Bill payments not allowed. Transfers to accounts at another financial institution not allowed. We do not keep Hong Kong Dollars at all branches. We may have a deposit and withdrawal minimum for Hong Kong Dollars. Speak to your branch for more information. Registered Accounts 6 Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information High Rate Savings Account Tax Savings (TFSA) Withdrawals and debits, including: at an HSBC Branch in Canada through HSBC Internet, Telephone and Mobile Banking Transfer (full or partial) to TFSA accounts at another financial institution. Transfers to another HSBC customer s TFSA are not allowed. $50 at an HSBC ATM in Canada or an ATM on THE EXCHANGE 2 network Interac 3 debit in-branch bill payments 11 transfers to HSBC deposit accounts (CAD currency) in same customer name Registered Retirement Savings Plan (RRSP) Transfers to HSBC account Withdrawals in cash Transfers (full or partial) to accounts at another financial institution $50 Registered Retirement Income Fund (RRIF) Transfers to HSBC account Withdrawals in cash Transfers (full or partial) to accounts at another financial institution $ E_ Page 7 of 16

8 4. Miscellaneous Charges These fees are in addition to account fees. We may discount or waive some fees if you qualify for HSBC Premier or HSBC Advance. We clearly state where we may discount or waive fees in this Statement. Sales tax (provincial and/or federal) may apply where indicated. Account Services Transfer balance (non-registered accounts) to another financial institution... $19.50 per request Account closed within 90 days of opening... $20.00 per account 7 Bank confirmation...$50 per hour ($35 minimum) Cheque image (in-branch or Telephone Banking)...$5.00 per copy Cheque image (Internet Banking)... free (last 180 days) Cheque image return with statements...$2.50 per month Copy of a full or partial statement... $3.50 per request Copy of tax receipts...$15.00 per receipt Copy of tax records (other than receipts)...$30 per hour ($17.50 minimum) Reference letter...$30 per hour ($17.50 minimum) Post-dated item held for deposit... per item Post-dated item held for deposit notice...$2.00 plus postage Coins or bills exchange (per $100 CAD only)... Paper or electronic account statement... Telephone, or fax requests to branch for the transfer of funds between your accounts...$ (additional $2.00 charge for mailed confirmation) Bank Drafts Bank drafts...$7.50 per item Replacement (at our discretion)...$15.00 per item Certain conditions, including provision of security, and additional fees may apply. See your branch for full details. Cheque and Payment Services Certify a cheque (account owner)...$10.00 per item Cheque not written in currency of account...$15.00 plus exchange Cheque that is incorrectly encoded $5.00 per item Cheque validation (at branch s discretion)...$5.00 per item Paying a cheque from a savings account...$6.00 per item Stop payment cheque $15.00 per item Stop payment pre-authorized debit...$15.00 per item 12 temporary cheques (where available) $12.00 plus tax Collection Items Outgoing (cheques drawn on another financial institution that we send for payment to your account) Canadian collections...$25.00 International collections % of collection amount...(minimum charge of $30 up to a maximum of $150) Before we credit your account, we deduct our fees from the net amount we receive from the other bank. Other bank(s) may charge fees. Fees that apply to non-hsbc Customers 8 ATM Surcharge...$2.00 per withdrawal Certify a cheque...$15.00 per item Foreign Exchange 9 Foreign banknotes (except USD) exchanged to or from CAD or USD...$4.00 per currency....minimum exchanged amount is $ CAD or US per currency. Ask your branch for more details. Foreign banknotes or drafts purchased from another foreign currency (except USD)...4% of the purchased...amount. Ask your branch for further details Foreign currency cheque for deposit or cash...$2.50 plus exchange Foreign currency pension cheque for deposit...exchange only Cheques written in foreign currencies other than CAD or USD are treated as Collection Items. Please refer to the fees for Collection Items. Inactive accounts Your account becomes inactive if you do not make transactions within one year. We continue to charge regular account service fees to inactive accounts as well as an annual inactivity fee until your balance is zero or less. Annual inactivity fee...$25.00 Interac e-transfer effective September 29, 2014 INTERAC e-transfer 3...$1.25 per item Account transaction fees may also apply. The e-transfer fee of $1.25 and the account transaction fees (if charged) are non-refundable, even if the transfer is cancelled, fails, expires or is declined E_ Page 8 of 16

9 International Services Emergency withdrawal (also called encashment )...USD $20.00 per request Opening an international account...$ per request Overdraft Protection/Line of Credit Overdraft protection or a line of credit is available on Canadian Dollar Chequing accounts if we approve your application for credit. It covers transactions up to the approved credit limit. We may reject transactions that put your account over the credit limit, and you may have to pay fees and interest described in the Returned Items and Overdrafts section. Credit limit of $4, or less... $5.00 monthly fee plus interest...if the account is overdrawn during the monthly statement cycle Credit limit of $5,000 or more...interest only if the account is overdrawn...during the monthly statement cycle Returned Items and Overdrafts Non-Sufficient Funds (NSF) items from your account including cheques, pre-authorized debits, and HSBC loan payments: Returned NSF items...$40.00 per item Paid NSF items (at our discretion, unauthorized overdraft or over credit limit)... $5 per item...plus 21% per year calculated on the daily closing balance and compounded monthly...on your statement cut-off date Items deposited to your account and then returned: Due to NSF... Any other reason...$5.00 per item Safety Deposit Box 10 Annual rental fee Size A 1.5" x 5"... $40.00 plus tax Size B 2.5" x 5" or 3.25" x 5"... $55.00 plus tax Size C 2.5" x 10" or 5" x 5"...$85.00 plus tax Size D 5" x 10.4"...$ plus tax Size E 10" x 10.4"...$ plus tax Size F 10" x 16"...$ plus tax Annual billing fee Pre-authorized debit from an HSBC Account... Manual billing... $21.40 per year plus tax Lost key(s) Replace Key (1 lost key)...$28.00 plus tax Replace Lock (2 lost keys) weekdays...$ plus tax Replace Lock (2 lost keys) weekend $ plus tax Search and copy records Within 60 days after transaction...$5.00 per item plus tax More than 60 days after transaction...$30 per hour (minimum $15) plus tax Wire transfers and related services Sending wire transfers in-branch less than $10,000...$45.00 per transfer between $10,000 and $50,000...$60.00 per transfer greater than $50,000...$90.00 per transfer Sending wire transfers on Internet Banking less than $10,000...$40.00 per transfer between $10,000 and $50,000...$45.00 per transfer between $50,000 and $150,000...$50.00 per transfer greater than $150,000...not available online - visit an HSBC Branch Receiving money wire transfer Any value...$15.00 per transfer Cancel, recall, or trace Less than 90 days after transfer...$30.00 per request Between 90 days and 2 years after transfer...$80.00 per request More than 2 years after transfer...$ per request When you send wire transfers, other banks that process or receive your funds may also charge fees, including foreign exchange fees, even if the transfer is rejected or returned E_ Page 9 of 16

10 5. Accounts We Maintain but No Longer Sell Chequing Accounts 1 Monthly Fee How to waive monthly fee Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information Performance (formerly Performance Plus) Canadian Dollar, US Dollar $2.00 per account Does not apply Unlimited withdrawals and debits, including: at HSBC Branches in Canada through HSBC Internet, Telephone and Mobile Banking Debit card fees 3 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) at HSBC ATMs in Canada or ATMs on THE EXCHANGE 2 network in-branch bill payments clearing cheques transfers to HSBC deposit accounts (CAD currency) in same customer name Cheque image return Personalized cheques Passbooks Charge for each mailed notice of a post-dated item held for deposit $2.50 Price varies 5 transfers to another HSBC customer Performance Activity Canadian Dollar, US Dollar per account Keep a minimum monthly balance of $1,000 during the entire monthly statement cycle Unlimited withdrawals and debits, including: at HSBC Branches in Canada through HSBC Internet, Telephone and Mobile Banking Debit Card Fees 3 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) at HSBC ATMs in Canada or ATMs on THE EXCHANGE 2 network in-branch bill payments 11 clearing cheques $0.75 Cheque image return Personalized cheques Passbooks $2.50 Price varies 5 transfers to HSBC deposit accounts (CAD currency) in same customer name transfers to another HSBC customer E_ Page 10 of 16

11 Chequing Accounts 1 Monthly Fee How to waive monthly fee Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information Performance Chequing - Standard Canadian Dollar, US Dollar Performance Chequing - Student Canadian Dollar only $7.95 per account Keep a minimum monthly balance of $2,000 during the entire monthly cycle $3.98 per account Does not apply First 40 transactions (withdrawals and debits) per monthly statement cycle After your first 40 transactions, we charge fees for transactions, including: at HSBC Branches in Canada through HSBC Internet, Telephone and Mobile banking at HSBC ATMs in Canada and ATMs on THE EXCHANGE 2 network Debit Card Fees 3 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) Cheque image return Personalized cheques Passbooks $2.50 Price varies 5 Not available in-branch bill payments 11 clearing cheques $0.75 transfers to HSBC deposit accounts (CAD currency) in same customer name transfers to another HSBC customer Performance 60 Canadian Dollar, US Dollar Does not apply First 16 transactions (withdrawals and debits) per monthly statement cycle After your first 16 transactions, we charge fees for transactions, including: at HSBC Branches in Canada Debit Card Fees 3 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) through HSBC Internet, Telephone and Mobile Banking at HSBC ATMs in Canada and ATMs on THE EXCHANGE 2 network Cheque image return Personalized cheques Passbooks Price varies 5 Not available in-branch bill payments clearing cheques $0.75 transfers to HSBC deposit accounts (CAD currency) in same customer name transfers to another HSBC customer E_ Page 11 of 16

12 Savings Accounts 4 Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information Investment Savings Canadian Dollar Withdrawals and debits, including: at HSBC Branches in Canada through HSBC Internet, Telephone and Mobile Banking at HSBC ATMs in Canada and ATMs on THE EXCHANGE 2 network Debit Card Fees 3 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) in-branch bill payments 11 transfers to HSBC deposit accounts (CAD currency) in same customer name Paper or electronic statement Passbooks transfers to another HSBC customer transfers to accounts at another financial institution Not allowed We waive account transaction fees if you keep a minimum monthly balance of $5,000. Regular Savings Canadian Dollar Withdrawals and debits, including: At HSBC Branches in Canada through HSBC Internet, Telephone and Mobile Banking at HSBC ATMs in Canada and ATMs on THE EXCHANGE 2 network Debit Card Fees 3 at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) in-branch bill payments 11 transfers to HSBC deposit accounts (CAD currency) in same customer name Paper or electronic statement Passbooks transfers to another HSBC customer transfers to accounts at another financial institution Not allowed E_ Page 12 of 16

13 Savings Accounts 4 Account Transaction Fees 2 Additional HSBC Fees, Optional Account Services and Information Premier Youth Savings Canadian Dollar HSBC Advance Savings Canadian Dollar HSBC Advance Tax Savings (TFSA) 6 Canadian Dollar All withdrawals and debits In-branch bill payments: Premier Youth Savings HSBC Advance Savings HSBC Advance TFSA Transfers to another HSBC customer: Premier Youth Savings HSBC Advance Savings Debit card fees 3 HSBC Advance Savings and HSBC Advance TFSA accounts at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) Premier Youth Savings accounts at Canadian ATMs (other than HSBC and THE EXCHANGE 2 network) - Premier Youth Savings accounts receive rebates on non-hsbc ATM convenience fees up to $2.00 for each transaction. No HSBC charge HSBC Advance TFSA Not available Transfers to accounts at another financial institution (CAD only): Premier Youth Savings Paper or electronic statement Passbooks Not available HSBC Advance Savings HSBC Advance TFSA Not available Foreign Currency Savings Withdrawals and debits at HSBC Branches or through HSBC Internet, Telephone and Mobile Banking: Transactions on foreign currency accounts are not available through ATMs or Interac 3 debit. British Pound accounts Euro accounts Japanese Yen accounts Swiss Franc accounts United States Dollar accounts Transfers to accounts at another financial institution 0.60 GBP 0.75 EUR 120 JPY 1.20 CHF USD Not allowed Optional services Paper or electronic statement Passbooks We do not keep foreign cash in all currencies at all branches. We may have a deposit and withdrawal minimum. Speak to your branch for more information E_ Page 13 of 16

14 6. Our Hold Funds Policy We may hold some or all of your deposits When you deposit a cheque or other type of payment to your personal account, either at a branch or through the ATM, we may hold some or all of the amount. This means you may not be able to access the funds you deposited right away. You cannot withdraw the funds we hold, and we will not use those funds to pay cheques or pre-authorized debits until the hold period ends. The amount we hold for each customer is different We decide how much to hold based on each customer. We consider factors such as how long you have been an HSBC customer, your credit rating, and the amount of funds you have in your HSBC accounts. We also decide based on the type of cheque and where it is coming from. Releasing your funds We release the holds on funds you deposit as soon as we reasonably can. We release your funds according to the hold periods in the table below, as long as what you deposit to your account meets these requirements: The cheque is in Canadian dollars and drawn on a financial institution s branch in Canada. Our operational systems can read the cheque, meaning it is paper-based and encoded with magnetic ink, is not damaged or mutilated. You deposit to an account where there is no evidence of illegal or fraudulent activity on the account, or other signs of a suspicious transaction, including those we must report under the law. You deposit to an account open for more than 90 days. The cheque is payable to the account owner and has not been endorsed more than once. The cheque is deposited within six months of the issue date. The hold periods in this table apply to deposits to your personal accounts. In person with an HSBC employee at a branch Deposit Method Deposit Amount Hold Period First $100 Available Less than $ business days Immediately More than $ business days Immediately ATM or other method All amounts 5 business days Next business day The hold period shown in the table above does not include the day you deposit the cheque. Please note the following concerning our hold funds policy: ATM deposits are treated the same whether they are cash, cheques or other types of payment. All deposits at an ATM follow our hold funds policy. Business days do not include Saturday, Sunday or statutory holidays. We may hold funds for a deposit longer than the hold periods in the table above if we need to investigate a cheque, or for situations beyond our control such as a system outage or natural catastrophe. We may hold cheques that do not meet the requirements above for 30 business days. We hold all cheques from a financial institution outside of Canada for 30 business days. This hold period is an estimate that applies if we credit the funds to your account. We may hold your funds longer if we don t receive payment within 30 business days E_ Page 14 of 16

15 1 None of our Canadian dollar chequing accounts charge transaction fees to transfer funds to Canadian dollar HSBC investment products, including RRSP accounts, term investments, TFSA, mutual funds, and managed portfolios. You cannot access US dollar accounts through ATMs or Interac 3 Debit. 2 Before completing transactions at an ATM or through Internet, Telephone or Mobile Banking, review the "Miscellaneous Fees" section as we may not notify you before the transaction of these fees (for example, wire transfers). 3 We charge ATM fees on top of account transaction fees, where they apply. Other banks may charge additional ATM fees. Qualified HSBC Premier and HSBC Advance customers get a rebate of service fees they pay as described on pages 1 and 3 of this Statement. 4 Savings accounts may earn interest. We calculate interest daily and pay monthly. Please visit for our latest rates. You cannot write cheques on these accounts. For accounts that receive statements, we apply interest and service charges to the account based on the monthly cycle date. None of our Canadian dollar savings accounts charge transaction fees when you transfer funds to Canadian dollar HSBC investment products, including RRSP accounts, term investments, TFSAs, mutual funds and managed portfolios. 5 Personalized cheques can be ordered in a branch or over the phone. Prices vary based on the style and quantity you order. If your account includes free personalized cheques, the style and number of free cheques we give you is up to us. 6 You are responsible for complying with Canada Revenue Agency rules for registered plans. We withhold taxes on RRSP and RRIF withdrawals, as the law requires us. Speak to your tax advisor or the Canada Revenue Agency for more information on registered accounts. 7 We waive the account closing fee for accounts opened through Telephone Banking and closed within 14 days. 8 We have the right to refuse service to someone who is not our customer, except as described in our Access to basic banking brochure (available at any branch). 9 You may have to pay additional third party handling fees charged by our vendor for the acquisition or disposal of foreign banknotes. Speak to a branch representative for full details. 10 Subject to availability. Safety deposit boxes are not available at all branches, and not all sizes are available at all branches where they are offered. We only offer Safety Deposit Box services, including access to your box and key/lock replacement during regular branch hours. Branch hours vary by location and are listed at 11 Regular account transaction fees may apply. 1 MasterCard is a registered trademark of MasterCard International Incorporated. Used under license. Subject to credit review and approval. 2 THE EXCHANGE is a registered trademark owned by Fiserv Inc. licensed for use in Canada by FICANEX Services Limited Partnership. 3 Interac e-transfer is a registered trade-mark of Interac Inc. Used under license E_ Page 15 of 16

16 Thank you for choosing HSBC Bank Canada. About this Statement This gives you information about our service charges. This information supplements the Personal Banking Agreement. You can find an upto-date version of this information online at at any time. How to use this Statement You can find important information that applies to you in the section(s) related to your account(s) and services, and in the Miscellaneous Charges and Our Hold Funds Policy sections. For example, if you have a new savings account, see Other Personal Banking Accounts, Miscellaneous Charges and Our Hold Funds Policy. This Statement has six sections: HSBC Premier (p. 1) HSBC Advance (p. 3) Other Personal Banking Accounts (p. 5) Miscellaneous Charges (p. 8) Accounts We Maintain but No Longer Sell (p. 10) Our Hold Funds Policy (p. 14) We tell you if we introduce new or increased charges. We let you know by at least one of the following methods either 30 calendar days (for statement accounts) or 60 calendar days (for passbook accounts) before the changes become effective: by electronic mail or other electronic communications online at by regular mail on your bank statement or as a statement insert through displays at our Canadian branches or ATMs Canadian and other currencies in this Statement We use Canadian dollars (CAD) in this Statement, unless we state otherwise. We charge monthly fees and account transaction fees on accounts held in currencies other than Canadian dollars in the currency of the account. If a fee is not shown in the foreign currency, we charge an amount equal to the Canadian dollar fee converted at our rate on the date we charge the fee. For foreign exchange transactions, we may earn revenue on the difference between buy and sell foreign exchange rates. Contact us Questions? We want you to understand our accounts and services and find the option best suited to your banking and wealth-management needs. If you have questions or concerns, contact us by: visiting any HSBC Bank Canada branch calling HSBC (4722) visiting us online at Complaints If you have a complaint about our charges, information on our feedback and complaints processes is provided in our Resolving Your Complaints brochure available online at or at any HSBC Branch in Canada. Personal Service Charges Statement of Disclosure Effective Date: June 30, E_

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