Personal customers Rates as of 1 st July General conditions applicable to the main transactions of retail customers

Transcription

1 Personal customers Rates as of 1 st July 2015 General conditions applicable to the main transactions of retail customers

2 The prices, rates and information in this leaflet cover the main services. All prices include VAT. They supersede the previous general conditions as of 1 st July These conditions may change at any time. Any changes not included in the general terms and conditions of your current account agreement will be available in your HSBC branch or via direct banking channels.

3 Summary Standard price list 5 Opening and managing your account 6 Opening, changing, closing Statements Account management Branch services Remote Banking 7 Making payments 8 Cards Transfers 9 Direct debits/interbank payment slips (TIP) 9 Cheques 9 Packages - Conventions 10 HSBC Hexagone Operating incidents 11 Bank service fees Special transactions Payment incidents Overdrafts and loans 12 Overdraft facilities Overdrafts Consumer credit Mortgages 13 Guarantees issued by the bank 13 Savings and investments 14 Savings Investments Insurance and protection 16 Other international transactions 17 Products no longer on sale 18 Resolve a commercial dispute 19 3

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5 Standard price liste Please find below the tariff rates excluding packages, promotions or special rates for certain customers. Service list Access to your accounts online (Internet) (My account online) Balance alerts by text (HSBC Alerts) International debit card with immediate debit (Visa Classic Card) International debit card with deferred debit (Visa Classic Card) Systematic authorisation payment cards (Visa Electron Card) Withdrawal in euros in another bank s ATMs in the Euro zone with an international debit card External one-off SEPA transfer Payment of a SEPA Direct Debit Direct debit authorisation charge Insurance against loss or theft of means of payment (HSBC Volassur) (1) Price in euros not including ISP costs 2.10 per month for 6 alerts each month per year 42 per year 45 per year 33 per year for Visa premier, Visa Infinite and Gold MasterCard or cards included in the Banking Packages. 1 per withdrawal from the 5th withdrawal per month (Visa Electron Card, Visa Plus and Visa Classic outside the Banking Packages) 4 per transfer in branch by Internet direct debit authorisation debit payment fees 8 per transaction, limited to 80 per month 24 per year Handling charges 24 per year The Financial Services Advisory Committee (CCSF) requires financial institutions to present a summary of their prices at the beginning of their general conditions and on the Internet. (1) HSBC Volassur is a group insurance policy underwritten by HSBC France with AIG Europe Limited. 5

6 Opening and managing your account Opening, changing, closing Current account opening and closing... HSBC Easy, quick and simple account Switching service... Account transfer to another branch of HSBC France... List of automatic and recurring transactions... Statements Monthly statement or e-statement (1)... Fortnightly...per month 3 Daily...per month 28 Account management Account fee (active/inactive)... per quarter 6 Inheritance Charge for inheritance procedures % of assets min 150 max. 750 Annual management charge + operational costs (correspondence, postage) Safe - Annual charge Depending on size... from 110 Security Deposit Depending on size / 500 Branch services Charge for posting cheque books (excluding postage costs) Charge for sending bank card (excluding postage costs)... Cash withdrawals in branch without issuing cheque... Cash withdrawals by cheque in branches HSBC France (450 per week maximum)... Charge for searching documents to 25 Estimates on request for complex or important searches 6 (1) Not including call or subscription costs, varies according to operator.

7 Remote Banking Remote banking subscription (internet, landline, mobile phone, etc.)... Remote, internet and telephone banking charges (1) Online banking at Mobile Services: HSBC app for iphone and Android... Services by phone: HSBC Customer Relations HSBC Customer Relations advisors will be happy to advise you Monday to Friday from 8 am to 10 pm and Saturday from 9 am to 5:30 pm. Balance alerts via text: HSBC Alerts (banking or stock market information sent by or text) Monthly charge for 6 alerts... per month 2.10 Monthly charge for 25 alerts... per month 5.10 Each alert exceeding monthly subscription... per text 0.40 by (1) Not including call or subscription costs, varies according to operator. 7

8 Payments Cards 50% discount for additional card on the same account where the card is of identical or lower category. Card fee per year Visa Infinite Card Visa Premier Card Gold Master Card Visa Classic Card - deferred debit immediate debit Visa Electron Card Plus Card Various transactions Issuing a new card Re-issuing a PIN code... 9 Cancelled card... Transactions in the euro zone Cash withdrawals - HSBC Group (1)... - from another bank s ATM: All cards included in banking packages and Visa Premier Gold MasterCard, Visa Infinite... Visa Electron, Visa Plus and Visa Classic non-included in banking packages... 1 / withdrawal from the 5 th withdrawal in the month - at any Visa or MasterCard network branches... per withdrawal 5 Card payments... Transactions outside the euro zone Cash withdrawals: - HSBC Group (1)(2)... - from another bank s ATM...per withdrawal % (3) - at any Visa or MasterCard network branches... per withdrawal % (3) Card payments % (3) 8 (1) Fees may nevertheless be charged by the local bank in some countries. (2) Only MasterCard cards are accepted in Canadian HSBC ATMs. (3) Of the gross amount of the transaction.

9 SEPA transfers Recurring or one-time euro transfer to/from a country within the SEPA zone (EU Member States, Iceland, Liechtenstein, Norway, Switzerland, San Marino and Monaco). Only option available: «Share». Sending a transfer One-time transfer - Through Internet and Mobile Banking (1)... - External transfer ordered through your branch... per transfer 4 Recurring transfer - External transfer ordered online (1)... - External transfer ordered through your branch... per transfer 1.10 Receiving a transfer Fee per transfer received - One-time or recurring transfer received... Non-SEPA transfers (international) Recurring or one-time transfer in European Union currencies to an EEA country (only option available: Share ), or any other currency transfer to any other country (options available: Ben, Our, Share ). Sending a non-sepa transfer One-time non-sepa transfer (2) - Through Internet and Mobile Banking (1) Receiving a non-sepa transfer Fee per non-sepa transfer received - Non-SEPA transfer received Other expenses on non-sepa transfers Exchange commission... Correspondent fees One-time incomplete transfer (required information missing or erroneous)... additional commission 15 Recurring SEPA or non SEPA set-up transfer is. Direct debits/interbank title of payment (TIP) Automatic transfer set up... Cancellation of a SEPA transfer... SEPA direct debit payment fees, Interbank Payment Title (TIP)... Cheques (3) Cheque book... Bank cheque issue charge Cheque(s) stopped by the issuer... per cheque Ordered through your branch % of the transaction min 25 (1) Not including call or subscription costs, varies according to operator. (2) Additional fees may be charged by French or foreign correspondents, necessitated by a particular service or as a result of a foreign exchange transaction. Ordered online and beyond the authorised limit are subject to pricing applied in branch. This online transaction is not carried out in real time and you may receive a call on the number you gave HSBC France to confirm it. (3) Cheque value dates: The following business day for cheques deposited before midday. Two business days for cheques deposited after midday. 9

10 Packages - Conventions HSBC Hexagone The HSBC Hexagone Package provides a range of useful services to make your life easier. Debit card Visa Classic, Visa Premier or Gold MasterCard or Visa Infinite Services included/fees exemption - Account fees - One-time and recurring SEPA transfers Unlimited cash withdrawals in France and the Euro zone from all ATMs Issuing a new card and re-issuing a PIN code Charge for posting cheque books and card (excluding postage) No charge for stopping cheques Overdraft facilities: up to 3 000/per month (1) Account debit authorised up to 15 days, consecutive or not, per 30-day period. No bank charges: up to 12 /Qtr. Insurance against loss / theft of cards or cheques: HSBC Volassur Remote Banking HSBC Alerts - 25 Alerts / month (text or ) Monthly charge for Packages - «Conventions»: Individual Joint Classic Visa Card Visa Premier Card / Gold MasterCard Visa Infinite Card Special conditions are applicable only to students up to 28 years of age: - 50% monthly fee with Visa Classic card. Offer for customers in financial difficulty Debit card Visa Electron Card No account monthly fees HSBC Alerts - 6 Alerts / month (text or ) Access to Ma Banque en Ligne limited solely to internal operations Account fees The one-time and permanent SEPA transfers ordered in branch Account management fees 2 bank cheques issued per month Monthly charges (1) Subject to acceptance. Example: for an overdraft of daily for 15 days: total cost of (including fees on the highest overdraft calculated at the rate of 0.05%) with interest rate equal to the HSBC base rate + 7%, i.e. at , 14.40%. APR: 16.94%, i.e. an APR for a unit period of a day of %.

11 Handling charges and various other fees Handling charges Following an incident on your account requiring specific handling. Fees charged by the bank due to an irregular operation on your account (insufficient funds, incorrect account details, irregular payment order etc.) Per transaction (up to 80 per month)... 8 Various transactions Report to the Banque de France Fees for reporting a decision to withdraw a debit card to the Banque de France Fee for cheques paid during the period of banking restriction Costs following notification issued by the Banque de France to prohibit the issuing of cheques Third-party notification charge Fiscal seizure charge Sequester of property Court order opposition charge Administrative seizure... max. 100 up to 10% of the amount blocked Payment incidents Letter informing customers about unauthorised overdraft Cheque incidents Charge for each rejected transaction due to insufficient funds (1) - Cheque for Cheque for > Cost of information letter prior to cheque being rejected due to insufficient funds (2) Cheque returned for reasons other than insufficient funds Card incidents Charge for the bank blocking a card due to improper use Rejected direct debits Charge for rejected direct debit (1) due to insufficient funds... direct debit amount, max. 20 (1) The amount includes all fees (administration, handling, etc.). (2) Fees uncollected if rejection. 11

12 Overdrafts and loans Overdraft facilities This allows you an overdraft for a maximum of 15 days, consecutive or not, per 30-day period. Overdraft facility (1) linked to a Banking Package Adjustable annual borrowing rate... Base rate (2) +7 to 9.5% Overdraft facilities (1) not linked to a Banking Package Set up fees Adjustable annual borrowing rate... Base rate (2) +7 to 9.5% Overdrafts The Annual Percentage Rate is shown on the credit facility agreement in the form of an account overdraft or specified on the account statement Authorised overdrafts Adjustable annual borrowing rate (3)(4)... Base rate (2) to 8% Administrative Charges... by offer 25 Non-authorised overdrafts Adjustable annual borrowing rate (3)(4)... Base rate (2) + 9.5% Other fees on overdraft facility and overdrafts Fee on the highest overdraft (3)... per month 0.05 % Fixed minimum commission (for overdrafts < 400, average daily of two cut-offs) (5)... per month 5 or per quarter. 10 Consumer credit The Annual Percentage Rate is shown on the loan offer Interest rates are set based on market conditions. Personal (4)(6) and student loans Arrangement fees for personal loans % min. 55 max. 120 Arrangement fees for personal loans > Student loan arrangement fees Change in payment schedule requested by the customer (1) Subject to acceptance. (2) Base rate: HSBC base rate 7.40% at The base rate is determined by each bank, depending on the nature of the loan and takes account of various capital market rates. (3) Fees and commissions included in the APR (Annual Percentage Rate). (4) The rate varies depending on the particular loan amount, duration and guarantees within the limit of the lending rate ceiling. (5) Excluding APR. (6) The information in this section does not constitute a loan offer.

13 Mortgages The effective rate is shown on the preliminary mortgage offer. Interest rates are based on market conditions Application charge based on borrowed funds (1)... 1 % min. 300 max Additional fees if funds are released in several instalments (1) Buying a home in France offer (2) Support for our English-speaking customers property projects in France and mortgage offer available in English... 1 % max Property loan management fee Sending an amended offer... 1 % of the outstanding capital min. 500 max Early repayment schedule Change in payment schedule requested by the customer Reissuing of a payment schedule Mortgage guarantee release certificate Other fees on loans Property and Personal Loans Letter for unpaid amounts Annual letter to guarantors Guarantees issued by the bank Tax, rent etc. Legal fees to 110 Addendum Annual risk commission (based on the amount of the guarantee and collected quarterly in advance) to 2 % min. 30 (1) Except for the Home Savings Loans. (2) Buy your property in France. 13

14 Savings and investments Savings Services Transfer of a PEL or CEL (home savings) to another institution Elysées Patrimoine statements Document summarising assets and loans held Personal or Family statement, fees per statement: - Monthly Quarterly Half-yearly Annual Investments Stock market orders The prices below exclude the French Financial Transaction Tax, due at the current rate 0.2% of the transaction amount (1) On Euronext (Paris, Amsterdam, Brussels) markets Internet or telephone* Package Invest Expert Package Invest If you generally place orders > If you generally place orders < % of the value of the order Minimum 0.21 % % 7.90 Branch 1.40 % Internet or phone* In other markets (2) (Foreign brokers fees excluded) (3) equity markets: New York (NYSE & Nasdaq), London, Frankfurt (Xetra), Madrid % of the value of the order Minimum 0.57 % 35 Branch or phone* Key international stock markets 1.50 % 49 * Via the Customer Relationship Centre s Securities Desk. Custodian encashment Custodian fees are received on a half-yearly basis and calculated in view of the securities held in the portfolio at 30th June and 31st December of each year. Custodian fees for HSBC France Group securities and UCITSs... Custodian fee for the other securities, depending on the number of orders executed on the Euronext Markets over the period considered: 15 orders Fewer than 15 orders or more Amount of the portfolio determined on the total value of only billable lines Proportional charge per level Up to % Beyond % + Fixed charge Minimum per line 2.50 (4) (1) Tax on Acquisition of Debt Instruments of currently 0.2% is applicable on every paid acquisition of shares on a capital account or similar (admitted to negotiations on French or foreign regulated markets) of a French company whose market capitalization is higher than 1 billion at 1 December of the year preceding this tax year. You are liable for this tax on the aforementioned debt instruments whether they are purchased directly by you or under an HSBC Equity Shares France or Europe Mandate. (2) Excluding any foreign exchange fee and local taxes. (3) Broker fees for main markets: New York (NYSE & Nasdaq) 0.06% min USD, London 0.06% min. 18 GBP, Frankfurt 0.06% min. 18 eur, Zurich 0.06% min. 42 CH, Madrid 0.06% min. 30 EUR. Contact us about charges related to other markets. (4) For ISIN listed securities on Euronext markets (Paris, Brussels, Amsterdam). Fixed fee of E 5 per line, for other securities.

15 Deferred Settlement Service (SRD) (1) optional Price applied pro rata (calculated on the day of porting) % Extension % min. 10 Unlimited access to real-time securities on Euronext markets... Securities transaction Securities transaction available online... Other securities transactions PEA / PEA-SME management (excluding custodian fees)... Payment of coupons: - Euronext securities... - Foreign securities, Euroclear deposit ISIN... - Foreign securities, foreign deposit ISIN... 3 % Charge for external (2) UCITS per transaction The price for subscription and redemption of UCITS units or shares includes possible entry and exit charges, which vary according to UCITS. These can be found in the Key Investor Information Document (KIID) provided prior to subscription. Transfer of stocks to another institution - Deposit France, Belgium, Netherlands, Portugal... per line 5 min Foreign deposit... per line 50 Transfer a share-based savings scheme to another institution (3) Transactions on securities unquoted in share-based savings scheme HSBC s third-party provider receives a commission for the sale of the UCITS range (refund on management fee valued on net asset). The investment agreements signed by HSBC France with UCITS management companies presented as part of its retail activities allow for the payment to the bank of a commission proportional to the stock placed by the Bank in the UCITS concerned. According to Art of AMF s general regulations, HSBC France will give investors details of rates applicable by UCITS Portfolio statements, fee per statement Annual statement... Monthly, quarterly or half-yearly statement French wealth tax statement Statement on request (1) Only available for SRD-eligible securities as published by Euronext Paris. These rates are in addition to the usual brokerage fees. (2) Before investing in a UTICS under French or foreign law, you must carefully review the French version of the Key Investor Information Document (KIID) or its prospectus, regulatory documents that are available at HSBC branches or Before making any investment decision, you must ensure with the help of your advisors, that the UCITS(s) considered match your financial situation, your investment objectives, your risk appetite and regulations to which you are subject (and particularly local legislation to which you may be subject). Investments subject to market fluctuations may vary downward as well as upward and carry a risk of capital loss. (3) In addition to fees per line. 15

16 Insurance and protection Personal protection HSBC Capital Prévoyance (1) Death insurance all causes / Total and Irreversible Loss of Autonomy all causes... contact us HSBC Protection Avenir (2) Death insurance accidental causes / Total and Irreversible Loss of Autonomy accidental causes... contact Get a quote and purchase online. Protect your belongings HSBC Volassur (3) Insurance against loss/theft of cheque book or cards... per month 24 HSBC Garantie Habitation (4) Home Get a quote and purchase online. contact us 16 (1) HSBC Capital Prévoyance is an individual insurance policy that covers death or total and irreversible loss of autonomy underwritten by HSBC France with HSBC Assurances Vie (France), a company regulated by the Insurance Code. Up to the limits set out in the policy. (2) HSBC Protection Avenir is an individual insurance policy that covers death or total and irreversible loss of autonomy following an accident, underwritten by HSBC France with AIG Europe Limited. Within the limits of the applicable provisions in the general conditions of the policy. (3) HSBC Volassur is a collective insurance policy underwritten by HSBC France with AIG Europe Limited.(4) General insurance policy underwritten via HSBC France with Allianz IARD and Protexia, companies regulated by the Insurance Code.

17 Other international transactions Foreign exchange A foreign exchange commission, calculated by level, applies to transactions that require the buying or selling of currencies (excluding non-sepa transfers) Exchange Commission Up to % From to % More than % min Manual exchange Issuing and buying back bank notes... per transaction 5.40 Payment or withdrawal from a similar foreign currency account % Cheques (1) Collection commission % of the transaction min. 16 max. 100 Collection commission % of the transaction min. 35 Postal charges (2) Swift charges... 5 Cheque returned unpaid Bank cheques - Processing charge Swift charges HSBC Group operations Global View / Global Transfer Global View / Global Transfer is an exclusive service that lets you see all your HSBC accounts worldwide on a single screen; it also allows you to make international transfers between these accounts. Consultation (Internet and mobile)... Issuing / receiving transfers... Exchange commission... Emergency cash Assistance service abroad for an HSBC France customer (4) Opening an account overseas Support for setting up a bank account within HSBC Group (3) overseas and provision of banking tools (5) (1) Cheques issued abroad may be subject to additional fees (corresponding costs, exchange rates). (2) Where a cheque is credited after deposit. If credit is immediate, no postage fee. (3) Legislation requires French tax residents, companies and institutions to declare accounts used, open or closed overseas when declaring income or profits as well and any related income. As soon as tax is paid on investment income, individuals must pay social contributions and, where applicable, make interim tax payments. Finally, these accounts must be reported for wealth tax if the holders concerned are liable. In addition, legislation requires individuals who are domiciled for tax purposes in France to declare their income, life insurance policies underwritten by organisations based outside of France and where applicable any related income from a total or partial redemption. In addition, they must also pay social security contributions due under their policy. Finally, these life insurance policies must be declared for wealth tax if the holders concerned are accountable. If these obligations are not met, tax adjustments and penalties will be applied. You should seek advice from your tax specialist in order to determine your tax obligations. (4) Subject to obtaining prior permission from HSBC France. Emergency cash up to a maximum of USD 2,000 or an equivalent value in local currency. (5) Subject to acceptance by the relevant HSBC branch and according to local regulations. 17

18 Products no longer on sale Conventions/Packages Monthly charge Individual/Joint HSBC Patrimoine Visa Infinite / 44 Visa Premier / Gold Mastercard / Individual/Joint HSBC Dynamique Visa Premier / Gold MasterCard / Visa Classic / HSBC Avenir HSBC Passeport Bought Separately In Addition to HSBC Hexagone contract Consumer loans «Libertel» revolving credit Adjustable annual borrowing rate... base rate to 6.5% (excluding optional insurance) Protection HSBC health insurance (1)... contact us HSBC Famille Prévoyance (2) Death insurance accidental causes / Total and Irreversible Loss of Autonomy accidental causes HSBC Garantie des Accidents de la Vie (GAV) (2), insurance : - Individual or Family or 236 Other services Elysées Rémunération (automatic savings service)... per year 10 Annual management charge, Plan Elysées Bourse (1) Group insurance policy underwritten by APRINSS with Swisslife Prévoyance et Santé, a company governed by the Insurance Code. Up to the limits set out in the policy. (2) Group insurance policy underwritten by HSBC France, with AIG Europe Limited within the limits of contractual provisions.

19 Resolve a commercial dispute The quality of HSBC service: always available to you HSBC France is very committed to quality of service. However, difficulties may arise when using your account or services related to it. To help us to continually improve our service, do not hesitate to contact your Relationship Manager. Your Relationship Manager is the cornerstone of your relationship with HSBC. Alternatively, you can contact our Customer Relationship Quality Department, which can answer your questions. Direction Relations Clients 103, Champs-Elysées Paris Cedex 08 (1) rubrique under «Contactez HSBC» choose Reclamation in Motif du contact Finally, you can contact the HSBC France mediator, whose contact details appear on your bank statement. The ombudsman will intervene to facilitate resolution of the dispute and find the most appropriate solution. (1) Article L113-5 of the Consumer Code (premium numbers may not be used for customer complaints). 19

20 How to apply or learn more? Contact your Relationship Manager Call your HSBC Customer Relationship Centre on * *Cost may vary depending on operator. Log on to Issued by HSBC France 04/2015 HSBC France A public limited company (Société Anonyme) with capital of 337,189,135 euros SIREN RCS Paris Champs-Elysées Paris Bank and Insurance Intermediary registered with ORIAS (Organisme pour le Registre des Intermédiaires en Assurance - under No HSBC Assurances Vie (France) A public limited company (Société Anonyme) with capital of 115,000,000 euros SIREN number RCS Paris Mailing Address: Paris Cedex 08 - Registered office: 15, rue Vernet Paris Company regulated by the Insurance Code Ref. : Photononstop