User Guide to Foreign Exchange Transactions through Business Internet Banking



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User Guide to Transactions through This guide is applicable only to DIRECT for business customers of India.

enables you to convert foreign exchange held in your Earners Currency (EEFC) account to Indian rupees instantly. You can also view and book a live foreign exchange rate for your overseas payments. Key Features Convert foreign exchange held in your EEFC account instantly into Indian Rupees. Credit your Indian Rupee account with or an account held with any other bank in India through NEFT / RTGS. View and book a live foreign exchange rate for your overseas payments online from the comfort of your office or home. View Live foreign exchange rates before your transaction is processed. Getting Started To Convert into Indian Rupees: All Direct for business EEFC account holders already have this service activated on their accounts. If you are an DIRECT for business customer, to open a new EEFC account please contact Phone, your Relationship Manager or your nearest branch. To Make Payments to Overseas Beneficiaries in Currency: Submit the 'Outward Remittance Rate Booking Form' to your nearest branch. This form is available on our website www.hsbc.co.in and can also be requested from Phone or your Relationship Manager. Discover how easy it is to use our online foreign exchange services in this stepby-step guide.

Converting to Indian Rupees

International Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF Accounts Pay Bills/Card-to-Card AutoPay s Saved s History Future s Multiple s Rates Enquiry Mobile and Alerts Statements / Advices Authorisation Access and Security Contact Us Terms and Conditions CMB Charges Log Off You have 8 new messages Note: To transfer money to Third Party beneficiaries, your Third Party payment limit should have been set up. Please click here to put in a request online to set up or increase your daily limit for transfer to pre-designated payees or non-designated payees. This instruction will be actioned within 48 hours. This service is not available for Customers. If this facility is not used for more than a year, the same shall be deactivated by the Bank for security measures and you will be required to complete a fresh authorisation form to reactivate the facility. Please note that effective 1 January 2007, RBI has mandated that RTGS transactions must be for a minimum value of Rs. 100,000. Please use the NEFT option for transactions of less than Rs. 100,000. Please note, as per RBI guidelines the EFT facility will not be offered from 30th June onwards. From and to From account: 000-123445-876 EUR FCY CURRENT A/C Check balance 000-123445-876 EUR FCY CURRENT A/C EEFC to/issue: Other account Other account (Click on the*** Select to*** drop down menu to view the funds transfer options available) 1 2 Choose the EFFC account you wish to transfer from Choose the account you wish to transfer to either another India account or send the money to an account with any other bank in India via NEFT / RTGS Beneficiary details Account number: 001 123445 876 This function requires you to input Security 3 Enter beneficiary details Code. Currency: INR - Indian Rupee Amount: 5 Indicative Rate 4 Enter the amount Currency: In the currency of Transfet From account Date and frequency now 5 Choose Now to transfer right away later: Future date: DDMMYYY Set up recurring transfer: Start from: Frequency: Number of transfers: DDMMYYY Weekly 1 Amount of last transfer: (Please input if different from amount in Amount ) Details For your account: Purpose Code: (Required only for NRI accounts) Get Rate Inward 1 Sept -----Please Select----- 6 Enter relevant details Save and save Click on to process your transaction. 7 Click transfer Click on Save to save this instruction as a template for future use. Click on and Save your transaction as well as save the instruction for future use. Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved.

International Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF Accounts Pay Bills/Card-to-Card AutoPay s Saved s You have 8 new messages - Review details From and to From account: 001-432598-202 EUR FCY CURRENT A/C EEFC Help Print History Future s to: Other account Multiple s Rates Enquiry Beneficiary details Account number: 001-432598 - 231 INR Mobile and Alerts Statements / Advices Authorisation Amount to debit: EUR 5.00 8 Review transaction details Access and Security Contact Us Amount to credit: INR 318.22 Terms and Conditions CMB Charges Log Off rate: Date and frequency type: INR1 : EUR 0.015 now Details For your account: Get Rate Inward 1 Sept Purpose Code: Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved. Confirm and Get Rate Confirm Change Cancel 9 Click 'Confirm and Get Rate' to view a live market rate before processing the transaction OR Click 'Confirm' to process the transaction right away on the rate displayed above

Bank India Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map No new messages Security code verification Help Print Please enter your security code from the security token Enter security code: security code 10 Enter security code Confirm Cancel 11 Click on Confirm to view the live market rate on the next screen Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved.

International Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF Accounts Pay Bills/Card-to-Card AutoPay s You have 8 new messages Online Rate (Immediate) Help Print Saved s History INR1: EUR 0.0140 Future s Multiple s Amount: EUR 5 = INR 356.48 Rates Enquiry Rate Lapsed Mobile and Alerts Statements / Advices Authorisation The rate displayed is valid only for 20 seconds. To get a new rate after 20 seconds, press the 'Refresh' button. Accept Cancel 12 Click on Accept to confirm the transaction at the rate displayed Access and Security Contact Us Terms and Conditions CMB Charges Log Off Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved.

International Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF Accounts You have 8 new messages Pay Bills/Card-to-Card AutoPay s Saved s - Acknowledgement From and to From account: 001-432598-202 EUR FCY CURRENT A/C EEFC Help Print The Acknowledgment screen may be printed for your records History Future s to: Other account Multiple s Rates Enquiry Beneficiary details Account number: 071-432598-252 INR Mobile and Alerts Statements / Advices Authorisation Amount to debit: EUR 5.00 Access and Security Amount to credit: INR 356.48 Contact Us rate: INR1: EUR 0.0140 Terms and Conditions CMB Charges Log Off Date and frequency type: now Effective date: November 3, 2009 Details For your account: Get Rate Inward 1 Sept Transaction reference Number: 101281x498 Purpose code: Make another transfer Account summary Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved.

Overseas Payments

Bank India Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF Accounts Pay Bills/Card-to-Card AutoPay s Saved s History Future s Multiple s Rates Enquiry Mobile and Alerts Statements / Advices Authorisation Access and Security Contact Us Terms and Conditions Charges Log Off No new messages Help Print Please click here to put in a request online to set up or increase your daily limit for transfer to pre-designated payees or non-designated payees. This instruction will be actioned within 48 hours. This service is not available for Customers. If this facility is not used for more than a year, the same shall be deactivated by the Bank for security measures and you will be required to complete a fresh authorisation form to reactivate the facility. From and to From account: 011-000123-456 INR CURRENT ACCOUNT to: Overseas beneficiary Overseas beneficiary Beneficiary details Check balance 011-000123-456 INR CURRENT ACCOUNT-RES 1 2 Choose the Indian Rupee account you wish to transfer from Select Overseas beneficiary Country/territory: Hong Kong City: Hong Kong Bank and branch name: SKANDINAVISKA ENSKILDA BANKEN (PUI 3 Enter beneficiary details Name: DIRECT Account number: Bank Swift Code: Transaction Details: Nature of Transaction: Amount and charges Currency in which payment is required: Amount: 12345578 HKSK5678 Select Type Select Type Import Remittance U.S. Dollar Same as currency of remittance 10 4 5 The Swift Code is mandatory If this payment is towards an Import: Under 'Nature of Transaction' choose 'Import For 'Transaction Details' enter the HIE Number (if available) or enter 'Import Payment', Collection or 'Open Payment If this payment is a Remittance: Under 'Nature of Transaction' choose 'Remittance For 'Transaction Details' enter '' or 'Capital' Overseas charges paid by: Date and frequency Indicative Rate Party receiving funds 6 7 Select the currency required Select 'Same as currency of remittance' and enter the amount in that currency now 8 Select now Details For beneficiary: 9 Enter relevant details For your account: Get Rate Outward 7 Sept Purpose Code: (Required only for NRI accounts) -----Please Select----- 10 Click

Bank India Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF Accounts Pay Bills/Card-to-Card AutoPay s Saved s History Future s Multiple s Rates Enquiry No new messages - Review details From and to From account: 051-323-46-001 INR CURRENT ACCOUNT-RES to: Overseas beneficiary Beneficiary details Help Print Mobile and Alerts Statements / Advices Authorisation Access and Security Contact Us Terms and Conditions Charges Log Off Country/territory: City: Bank and branch name: Name: Account number: Bank Swift Code: Transaction Details: Hong Kong Hong Kong SKANDINAVISKA ENSKILDA BANKEEN(PUBL) DIRECT 88888888 HKSK1234 Nature of Transaction: Amount and charges Amount to debit: Remittance INR 491.51 11 Review transaction details Amount to credit: USD 10.00 rate: INR 1: USD 0.0203 Overseas charges paid by: Party receiving funds Date and frequency type: now Details For beneficiary: For your account: Get Rate Outward 7 Sept Purpose Code Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved. Confirm and Get Rate Confirm Change Cancel 12 Click 'Confirm and Get Rate' to view a live market rate before processing the transaction OR Click 'Confirm' to process the transaction right away on the rate displayed above

Bank India Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map No new messages Security code verification Help Print Please enter your security code from the security token Enter security code: security code 13 Enter security code Confirm Cancel 14 Click on Confirm to view the live market rate on the next screen Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved.

Bank India Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF Accounts No new messages Pay Bills/Card-to-Card AutoPay s Online Rate (Immediate) Help Print Saved s History INR1: USD 0.0205 Future s Amount INR 487.69=USD 10 Multiple s Rates Enquiry Rate Lapsed Mobile and Alerts Statements / Advices The rate displayed is valid only for 20 seconds. To get a new rate after 20 seconds, press the 'Refresh' button. Accept Cancel 15 Click on Accept to confirm the transaction at the rate displayed

Bank India Home Personal Premier Private Corporate About India Careers ATM/Branch Locator Site Map Welcome, TESTERGETRATE LOG OFF s Saved s History Future s Multiple s Rates Enquiry Mobile and Alerts Statements / Advices Authorisation Access and Security Contact Us Terms and Conditions Charges Log Off Please submit the documents along with the 'Outward Remittance Covering Note' to the Bank before 2 pm today. The transaction will be processed after the documents are submitted and verified by the Bank. Please note in case the documents are not submitted before 2 pm or are incomplete, the rate booked on your behalf will be cancelled and loss if any incurred would be debited to your account. However, if there is any profit after cancellation, it will not be credited to your account. Our Ref: 980 From and to From account: to: Beneficiary details Country/Territory: City: No new messages - Acknowledgement 051-323046-001 INR CURRENT ACCOUNT-RES Overseas beneficiary Hong Kong Hong Kong Help Print The Acknowledgment screen may be printed for your records. Bank and Branch Name: Name: Bank Swift Code: Account Number: Transaction Details: Nature of Transaction: SKANDINAVISKA ENSKILDA BANKEEN(PUBL) DIRECT HKSK1234 88888888 Remittance Amount and charges Amount to debit: Amount to credit: rate: currency: Overseas charges paid by: INR 491.51 USD 10.00 INR 1: USD 0.0205 USD Party receiving funds Date and frequency type: now Details For beneficiary: For your account: Get Rate Outward 7 Sept Transaction reference Purpose Code: Number: 101806 x 724 Make another transfer Account summary Disclaimer and Privacy Statements c Copyright. The Hongkong and Shanghai Corporation Limited 2009. All rights reserved. This service is available between 9:00 am to 12:00 pm on weekdays only.

WARNING! The 'Outward Remittance Covering Note' must be submitted to the branch along with the required underlying documents by 2 pm on the same day. The transaction will be processed only after the documents have been submitted. If you do not submit the complete and correct set of underlying documents by 2pm, then will cancel the rate booked on your behalf and debit any losses incurred to your account. If you submit the complete and correct set of underlying documents by 2pm, however without attaching the 'Outward Remittance Covering Note', then may at its own discretion continue to process the transaction without further intimation to the customer by booking a fresh foreign currency rate and cancelling the earlier rate booked online.

Annexure 2 COMMERCIAL BANKING Outward Remittance Covering Note Customer Name: Account No: - - Transaction Date: Beneficiary Name: Currency (FCY): FCY Amount: Transaction Type: (please specify Import or Remittance) (BIB) Reference No: I/We hereby agree to the contents of this form and confirm all details provided therein are true. #Signature (with rubber stamp) of Chairman / Secretary / 2 Directors / Trustee / All partners / Karta / Sole Proprietor / All Joint Holders / Authorised Signatory *Place: *Date: Please Note - The form must be submitted to the branch/rm along with the physical documents latest by 2 pm of the transaction execution day. All fields on the form are mandatory. Transaction will be processed only if the submitted documents meets Bank s requirement. If the documents are incomplete / discrepant or not submitted within 2 pm, the transaction would be cancelled and losses (if any) would be debited to customer s account. Issued by The Hongkong and Shanghai Corporation Limited, India. Incorporated in Hongkong SAR with limited liability.