HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) Growing Planning

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1 The proposed plan is of participating insurance. The reversionary bonus and terminal bonus are not guaranteed. HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) Growing Planning RDI-159

2 Struggling up in every step on a journey of growing up and life Are you looking forward to experiencing every exciting moment with your child and being with him or her in every step of his growing up? What is the future of your child will depend on your intelligent planning! Education plan is about strength, way and art. The strength to grasp market opportunities while balancing potential risks; The way of keeping one's eyes firm of the asset allocation while easing into the growing up of your child; and The art of finding proposals from professional institutions while following rational plans. HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) provides a sustained and stable cash income for your child during growing up and shares with you the business growth of HSBC Life Insurance. Start planning for the education and growing up of your child from now!

3 Benefits at a glance Stable Survival Benefit Income on Monthly Basis From the first Survival Benefit payment date, if the Insured is still alive at 24: of each Survival Benefit payment date, we will pay Survival Benefit to the Insured based on the Basic Sum Insured on that very Survival Benefit payment date until the insurance Policy term expires. Reversionary Bonus and Terminal Bonus, Participating in Market Growth We will specially provide you with the reversionary bonus and terminal bonus of the policy and share with you the business growth of HSBC Life Insurance. The details are as follows: 1 Reversionary Bonus on Monthly Basis 1) Increased Survival Benefit payment: If the Insured is alive at 24: of each Survival Benefit payment date, we will pay the Insured accumulated reversionary bonus according to the announced amount, in addition to the payment of Survival Benefit on monthly basis. 2) Increased Death Benefit: If the Insured is deceased before 24: of the first Survival Benefit payment date, we will pay the Insured 12 the accumulated reversionary bonus according to the announced amount at the time of death, in addition to the payment of Death Benefit. If the Insured is deceased after 24: of the first Survival Benefit payment date, in addition to paying Death Benefit, we will also pay the surviving Death Benefit Beneficiary the accumulated reversionary bonus according to the announced amount at the time of death the number of the periods of unpaid Survival Benefit from the time of death until the maturity of the policy. 2. Terminal Bonus 1) Terminal Bonus at Maturity: If the Insured survive to the maturity date of the Policy and the Policy is still effective, we will pay the Insured Terminal Bonus in a lump sum on the maturity date of the Policy. 2) Terminal Bonus at Death: During the insurance period of this Policy, from the first Policy Anniversary, if the Insured is deceased, we will pay the surviving Death Benefit Beneficiary Terminal Bonus in a lump sum upon the death of the Insured. 3) Terminal Bonus at Surrender: During the insurance period of this Policy, from the fifth Policy Anniversary, if you surrender (apply for terminating this Policy), we will pay you Terminal Bonus in a lump sum. We will only be liable for paying one kind of the above three kinds of Terminal Bonuses and paying whichever kind occurs first. Note: The Reversionary Bonus and Terminal Bonus are not guaranteed.

4 Benefits at a glance Life Protection for Rainy Days 1. If the Insured is deceased before 24: of the first Policy Anniversary, we will pay Death Benefit which will be either the cash value corresponding to the Basic Sum Insured in the Policy at the time of death or 12% of the total premium already paid, whichever is higher. 2. If the Insured is deceased after 24: of the first Policy Anniversary but before 24: of the first Survival Benefit payment date, we will pay Death Benefit which will be either the cash value corresponding to the Basic Sum Insured in the Policy at the time of death or the total premium already paid, whichever is higher. 3. If the Insured is deceased after 24: of that very first Survival Benefit payment date, we will pay Death Benefit which will be either the cash value corresponding to the Basic Sum Insured in the Policy at the time of death or the total premium already paid deducting the accumulated paid Survival Benefit, whichever is higher. 4. If the Insured is deceased by the accident after 24: of the first Policy Anniversary after 18 years old or before 24: of the first Policy Anniversary after 75 years old, we will pay Accidental Death Benefit which will be 3% of the total premium already paid, in addition to the payment of Death Benefit. Note: If the Insured is deceased before 18 years old, the Death Benefit to be paid for the death of the Insured will not exceed the limit provided by China Insurance Regulatory Commission. Flexible Cash Value Options The cash value of your policy is not subject to market fluctuation. We even provide you with a free choice of multiple options to use the cash value for you to flexibly manage your cash flows. 1 Reduce the sum insured to receive corresponding cash value (The minimum Sum Insured shall meet the relevant requirement of HSBC Life Insurance.) 2 As a pledge for a policy loan 3 As an automatic premium payment 4 To purchase a reduced paid-up amount ( recalculate the Basic Sum Insured based on the balance of the cash value corresponding to the Basic Sum Insured on the expiration date of the premiums reduces all unpaid amounts. The minimum Sum Insured shall meet the relevant requirement of HSBC Life Insurance.)

5 Simple application process Simple Application Process Step 1 Decide the Basic Sum Insured and Policy Term you require based on the needs for life planning Step 2 Choose the premium payment period that best suits you based on the situation of your personal financial planning on the present stage Step 3 Choose the premium payment method that best suits you, either in a single payment or annually Application Rules HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) Application Rules are as follows: Insurable age: from 3 days old to 65 years old Policy Term Premium Payment Period Minimum Application Age Maximum Application Age 2 years/ 25 years single 3 years 3 days old 3 days old 65 years old 62 years old 5 years 3 days old 6 years old

6 Example Case Example Case Mr. Feng, aged 35, works as a manager in a multinational company. His son, Xiaoming, is 5 years old. Mr. Feng expects to have a stable income for his son in education period until graduation from college. After understanding the requirements of the plan for Mr. Feng, HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) policy was chosen, with a premium payment period of five years, a Policy Term of 2 years, a Basic Sum Insured of RMB 1,, and an annual premium of RMB 28,28. On the basis of the requirements of Mr. Feng, the specific policy benefits are as follows: 1 Survival Benefit From the date, corresponding to the policy effective date, of the month following the month of the tenth Policy Anniversary, Mr. Feng can receive a Survival Benefit of RMB 1, per month until the expiration of the insurance period of 2 years. By the time the insurance period expires, Mr. Feng can receive an accumulated Survival Benefit up to RMB 1,2,, the payment of which is guaranteed. This means that an education and life protection is fully provided for Xiaoming for the period from his 16 years old to 25 years old. 2 Share of Reversionary Bonus and Terminal Bonus From the 24: of the first Survival Benefit payment date under the insurance Policy, if Mr. Feng is still alive at the 24: of each Survival Benefit payment date, Mr. Feng can also collect Reversionary Bonus of that very period, in addition to the monthly receipt of the Survival Benefit of that very period. Assuming a medium return level, Mr. Feng's total reversionary bonus for a period of 1 years from the 24: of the first Survival Benefit payment date will amount to RMB 289,152, which will be the education funds for Xiaoming, used as a protection for covering the study and living costs of Xiaoming during the period from his 16 years old to 25 years old. At the maturiry of the policy, in addition to the receipt of reversionary bonus, Mr. Feng can collect Terminal Bonus at maturity as well. At the expiry of the policy, assuming a medium return level, Mr. Feng's expiration terminal bonus will amount to RMB 524, Death Protection 1) If Mr. Feng is deceased before the 24: of the first Policy Anniversary, assuming a medium return level, we will pay the Death Benefit Beneficiary Death Benefit up to RMB 249,85. 2) If Mr. Feng is deceased after the 24: of the first Policy Anniversary, assuming a medium return level, we will pay the Death Benefit Beneficiary Death Benefit up to RMB 1,17,937 (including claim terminal bonus, which can not be received completely together with the reversionary bonus to be received by the time of the expiry of the policy if the Insured is still alive). 3) If Mr. Feng is deceased by the accident, in addition to the payment of the Death Benefit, we will also pay the Death Benefit Beneficiary Accidental Death Benefit up to RMB 312,312. Note: In the example, both the Reversionary Bonus and the Terminal Bonus are based on a medium return level, which are descriptive and shall not be interpreted as actual performance. The illustration is based on the company's actuarial and other assumptions, and does not represent the company's historical performance nor a forecast on the future investment return. The reversionary bonus and terminal bonus are not guaranteed.

7 Example Case In line with the above example, we provide detailed benefit illustration table at a low, medium and high return level: (Unit: RMB yuan) Policy Premium Accumulated Death Age Year Payment Premium Benefit of The Year Payment Accumulated Survival Payment Survival Payment of the Year= Death payment=death Benefit Surrender Payment= (incl. Accumulated interest)= Survival Benefit +Reversionary Bonus Cash Value of Basic Sum Insured+ Accumulated Survival Benefit Cash Value + Reversionary Bonus +Terminal Bonus Accidental Survival Accumulated Cash Value of Reversionary Bonus + Reversionary Bonus of Basic Death Benefit + Terminal Bonus Survival + Terminal Bonus + Terminal Bonus Sum Benefit of the Year Benefit Insured Low Medium Hight Low Medium Hight Low Medium Hight Low Medium Hight ,28 28,28 249,85 249,85 249,85 249,85 312, ,33 125, , , ,28 416, , ,125 43,44 438, , ,55 297,741 36, , ,28 624, , ,54 652,77 669, ,11 473,32 482, , , ,28 832, ,832 85,6 875,119 9,18 1,82, ,15 681,385 7, , ,28 1,41,4 1,41,4 1,63,971 1,97,651 1,131,198 1,353, ,59 899,2 932,74 964, ,41,4 1,41,4 1,69,752 1,112,82 1,154,457 1,353,352 94,68 932, ,131 1,13, ,41,4 1,41,4 1,75,545 1,126,622 1,178,17 1,353, ,71 966,761 1,15,841 1,64, ,41,4 1,41,4 1,81,362 1,141,282 1,21,888 1,353, ,72 1,2,483 1,6,272 1,118, ,41,4 1,41,4 1,87,19 1,156,49 1,226,6 1,353, ,77 1,39,537 1,16,537 1,174, ,41,4 1,41,4 1,93,43 1,17,937 1,25,543 1,353,352 1,26,88 1,84,122 1,17,578 1,259, ,41,4 948,33 1,8,42 1,99,28 1,193,297 1,26,642 12, 125, , , ,65 127, , , ,33 1,2,89 1,99,276 1,2, ,41,4 856,9 922,49 1,22,288 1,126,958 1,169,212 12, 126, ,89 148, ,95 259,38 278,4 299, ,9 915,28 1,2,455 1,131, ,41,4 762,5 831,89 936,589 1,48,19 1,74,812 12, 127,879 14, ,4 376,8 396, , , ,5 823, ,626 1,51, ,41,4 665,4 734, , , ,352 12, 129, , ,91 58, , ,99 64, ,4 726, , , ,41,4 564,4 631, ,619 85,65 876,712 12, 13, ,85 166,24 645, , , ,24 554,4 624,35 733, , ,41,4 46,5 523, ,698 73, ,812 12, 131,623 15, ,38 786, ,8 928,585 1,27,81 45,5 515,96 619, , ,41,4 353,22 41,17 499,69 594, ,532 12, 132, , ,98 932,139 1,1,991 1,112,447 1,24,76 343,22 41,84 495,72 594, ,41,4 242,45 29,94 365,25 443,13 554,762 12, 134,18 157, ,832 1,81,753 1,168,76 1,35,522 1,465, ,45 281, ,527 44, ,41,4 128,8 164,14 22,12 274,344 44,392 12, 135, , ,947 1,235,855 1,34,458 1,58,172 1,75, ,8 154, , , ,41,4 1, 31,63 63,67 87, ,312 12, 158,83 217,56 275,43 1,394,581 1,54,636 1,773,247 2,34,19 Note: 1. In the example, both the reversionary bonus and the terminal bonus are based on a low, medium and high return level, which are purely descriptive and shall not be interpreted as actual performance. The illustration is based on the company's actuarial and other assumptions, and does not represent the company's historical performance nor a forecast on the future investment return. The reversionary bonus and terminal bonus are not guaranteed. 2. All of the given Death Benefit and cash value are the values at policy year end. All of the given Survival Benefit are the annual values of the policy. Of which, the cash value means the cash value corresponding to the Basic Sum Insured, excluding the Survival Benefit of the policy at the end of the year.

8 Insuring Your Emotion When you buy insurance, whether as an individual or as a business, you re really buying a peace of mind. Whether you seek to protect physical assets or ensure business continuity, insurance allows you to take control of the uncertainties of life and make your money work harder for you. HSBC Life is committed to providing you with the peace of mind through comprehensive financial protection solutions. Our caring services help you protect what matters most. Our abundant global resources and deep understanding of local customers allow us to work with our customers to truly meet their need for high-quality insurance products and services. Whether you wish to build up your wealth or to circumvent potential risks, to protect life and health, to plan for your children s education, or simply to enjoy retirement, HSBC Life is always by your side.

9 HSBC Life Insurance Company Limited offers comprehensive and professional protection solutions and service to both individual and corporate customers. HSBC Life Insurance is a customers-focused company, dedicated to developing and providing innovative and unique products based on our understanding of the market and the needs of our customers. We recognise that insurance is as much about your feelings as finances and possessions. Notes 1. If for any reason you are not happy with the plan, you can cancel your policy within the cooling-off period (15 days from the date of signing receipt of the policy). Upon cancellation, you will receive a full refund of all paid premiums. 2. This product introduction is for reference only. For detailed clauses, please refer to the policy contract which shall prevail in case of discrepancy. 3. In the event of differences arising between the Chinese version and the English version of this product introduction, the Chinese version shall prevail. HSBC Life Insurance Company Limited is committed to environmental protection HSBC Life Insurance Company Limited Contact address: 18/F HSBC Building, Shanghai ifc, 8 Century Avenue, Pudong, Shanghai, 212, China Tel: (86 21) Fax: (86 21) Website: Dedicated insurance hotline: HSBC Life Insurance Company Limited Beijing Branch Contact address: Unit 112, 11/F, Tower A of Beijing IFC, No.8 Jianguomenwai Avenue, Chaoyang District, Beijing, 122, China Tel: (86 1) 5986 Fax: (86 1) Issued by HSBC Life Insurance Company Limited S/N: INSH-CMKTG-1591