HSBC Premier provides personal support to help you manage your personal economy. Our success is measured by how well we meet your needs

HSBC Premier provides personal support to help you manage your personal economy. Our success is measured by how well we meet your needs

1 HSBC Premier eligibility requires you to have an active HSBC Premier Chequing Account and maintain a C$100,000 balance in combined personal deposits and investments with HSBC Bank Canada and its subsidiaries, some exclusions apply. For full details regarding eligibility and any fees which may apply, please refer to the Personal Service Charges / Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca/servicecharge.

Your Relationship Manager Your Premier Relationship Manager can put together a picture of your entire financial life and a strategy designed just for you. Your personal economy is as unique as you are. We tailor our service and advice to your individual needs with a dedicated Relationship Manager, supported by a team of global experts. Banking services that combine day-to-day convenience with global reach We assembled an exclusive combination of banking products and services, designed to provide exceptional value and international recognition. HSBC Premier includes unlimited Premier Chequing Account transactions and complimentary global access to your HSBC accounts with our industry-leading online Global View and Global Transfers. 1 Globally, HSBC Premier provides customers preferential recognition and emergency services. Meeting your needs To help meet your day-to-day banking and longer-term financial needs, an HSBC Premier Relationship Manager will identify and engage our global network, which consists of thousands of experts in different fields. Whether you require wealth management solutions, information on purchasing a local or international property, retirement planning or are looking for investment opportunities, we re here to help. Our HSBC Premier Relationship Managers are measured on how well they meet your needs and how happy you are with their service. We believe that rewarding our people this way ensures a higher level of service and success. Whatever wealth means to you, our goal is to help you achieve it. Just as no two personal economies are alike, wealth means different things to different people. While only you can define how much it would take to make you feel financially comfortable, as an HSBC Premier client, you have the resources available to help you achieve your financial goals. A Premier Relationship Manager will work closely with you, based on your needs and life s milestones, from growing your wealth, buying a home, investing for your family s future to planning for your retirement. 3 Your Relationship Manager

Anytime, Anywhere Always there, wherever and whenever you need us Your personal economy is always with you. So is HSBC Premier. You can access our support and services anytime from anywhere in the world. Your HSBC Premier Debit Card and Premier World MasterCard 2 HSBC Premier status in all countries where you bank with HSBC affiliates Portable HSBC credit history that can help secure credit cards and mortgages from HSBC affiliates around the world Global View Monitor your eligible worldwide accounts with HSBC and HSBC affiliates online or by using the HSBC app on your mobile phone or tablet Global Transfers Transfer funds online between your eligible worldwide deposit accounts with HSBC and HSBC affiliates without any transfer fees Wire Transfers 3 Send funds from your eligible HSBC account to practically anywhere in the world 5 Anytime, Anywhere

Explore the World With Confidence In case of an emergency, HSBC support is readily available in the form of emergency cash, up to US$2,000, at Premier Centres and branches of HSBC and HSBC affiliates worldwide should your wallet be lost or stolen. 4 We also offer emergency credit card replacement of your HSBC Premier World MasterCard credit card the next day in Canada and the U.S., and within two business days almost anywhere else in the world. And our worldwide +1-908-PREMIER (773-6437) customer support line is available to you 24/7. Preferential access You ve worked hard to build your personal economy. And we ll work hard to help you take care of it, with access to some of the most prestigious banking products, services and rewards that we have to offer. HSBC Premier Services for you and your family Those dearest to you also enjoy all the benefits of HSBC Premier and its emergency support services, and will be welcomed at any of our global HSBC Premier Centres. In addition, your children can carry a supplementary HSBC MasterCard with emergency support wherever they study or work abroad. With our HSBC Premier Family Services, we can help build a wealth plan flexible enough to grow with your children. 7 Explore the World With Confidence

All-Inclusive Day-to-Day Banking 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 Service works. We ve created this summary to explain some of the key benefits of HSBC Premier. Account services HSBC Premier World MasterCard Withdrawals from and deposits to your Premier Chequing Account at HSBC Bank Canada branches in Canada Access to Personal Internet, Telephone and Mobile Banking Personalized HSBC Premier Cheques Viewing a recent cheque image online Cheque image return with statement Bill payments (including paying in the branch) and pre-authorized payments Stop payments Only HSBC Premier clients may apply for the exclusive HSBC Premier World MasterCard with a choice of reward programs (HSBC Premier World Rewards Program or HSBC Premier World Cash Back Rewards Program) 2 All complimentary No annual membership fee 9

(y) (x) HSBC Premier Debit Card Withdrawals and deposits at HSBC Bank Canada ATMs and more than 2,300 ATMs on THE EXCHANGE network Service fees you pay other banks for transactions made at other bank ATMs in Canada Interac debit purchases across Canada Outside Canada withdrawals (including withdrawals at HSBC s worldwide network of ATMs and at all ATMs displaying the Cirrus logo) Complimentary Rebated up to a maximum of $2.00 per transaction Complimentary No HSBC charge other banks may charge a fee 5 Foreign Currency Services Handling foreign cash exchanges No handling fees International Services Emergency cash withdrawals 4 Wire Transfer Service Bank Drafts Family Services Opening an international account Make international wire transfers to any HSBC account through Personal Internet Banking or in branch with preferred Premier rates Send wire transfers to over 130 countries in over 20 currencies 3 Convenient daily wire transfer limit of up to C$150,000 using www.hsbc.ca Bank drafts in Canadian Dollars, U.S. Dollars, and most other major world currencies High Rate Savings Account (in Canadian Dollars only) for children and dependents of HSBC Premier customers (joint accounts with a parent or guardian) 6 Complimentary Varies based on the amount transferred Complimentary No account transaction fees 11 Products and services are subject to change. Monthly banking fees may apply if Premier eligibility is not met within six months from the date of account opening. Please consult the latest Personal Service Charges / Statement of Disclosure at www.hsbc.ca/servicecharge for full details. All-Inclusive Day-to-Day Banking

(Y) Important Information 1 Global View and Global Transfers are not available in all countries and territories where HSBC Premier is offered. Certain services offered by members of HSBC in Canada may be restricted or unavailable if you move to another jurisdiction or are in another jurisdiction due to the local laws of that jurisdiction. HSBC Group may, however, be able to provide similar services through its members in that jurisdiction. A full list of available countries and a demo can be viewed online. 2 HSBC Premier World MasterCard is subject to credit adjudication and approval and to meeting income qualification requirements. HSBC MasterCard will only be issued to residents of Canada. For full product details visit www.hsbc.ca/mastercard. 3 With offices in over 60 countries and territories, we often have the ability to directly transfer to the destination country without using intermediary or correspondent banks. HSBC s global presence, advanced technological capabilities and extended processing hours add up to you being able to make or receive wire payments more quickly and efficiently. 4 Proper identification and/or additional verification is required for emergency card replacement and emergency encashment. Emergency cash received will be deducted from the HSBC account specified by the client during the request. Some countries may have additional requirements and restrictions. Please inquire at the local HSBC Premier Centre for details. 5 Foreign exchange conversion fees may apply. 6 Children of HSBC Premier clients under the age of 26 are eligible for a High Rate Savings Account without Activity-Based Fees. The account must be held jointly by both the Premier eligible parent and their child. For full details regarding eligibility and any fees which may apply please refer to the Personal Service Charges / Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca/servicecharge. MasterCard is a registered trademark of MasterCard International Incorporated. Used pursuant to license. THE EXCHANGE. User licensed in Canada by FICANEX Services Limited partnership on behalf of Fiserv EFT. Interac. Trade-mark of Interac Inc. HSBC Bank Canada authorized user of the trade-mark. Take the Next Step and Contact Us Today Visit an HSBC branch Call us at 1-866-233-3838 Visit us online at www.hsbc.ca/premier (-X) (X) 13 (-Y) Contact Us

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