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Comprehensive offers at a glance

Product Offers for a newly joined HSBC Advance customer1
Life Insurance
RetireIncome Annuity Plan / Lifestyle Wealth Protection Plus: 2% off the first year's premium
EarlyIncome Annuity Plan: 1% off the first year's premium
WholeLife Protection Plan: 1 month's premium waiver
Medical Insurance
FirstCare: up to 10% off on the first year's premium
Preferred Care: 10% off the first year's premium
HospitalSurance: 2 months' premium waiver on monthly payment or 15% off the first year's premium on annual payment
General Insurance
HomeSurance: 2 months' premium waiver on monthly payment or 15% off the first year's premium on annual payment
AccidentSurance, HomeSurance and MultiTrip TravelSurance: Bundle take-up to enjoy 3 months' premium waiver on monthly payment or 20% off the first year's premium on annual payment
Unit Trusts
Initial charge as low as 1.5% for the first lump sum subscription2
6 months' waiver of initial charge for the first new set up of Unit Trust Monthly Investment Plan
Securities $0 brokerage fee on H.K. stocks trading or U.S. stocks trading3,4
Retail Bonds 0.1% cash rebate on bond purchase5
HSBC Advance Visa Platinum Card Waived annual fee for both primary and additional cards
Time Deposit and Foreign Currency Trading Extra 0.03% p.a. on top of Foreign Currency Hot Picks Time Deposit Interest Rate6
Mortgage Loan Preferential offers

Remarks:
1. Terms and conditions apply. Please refer below or contact our staff for details of the terms and conditions.
2. Only applicable to customers without any investment service account or Unit Trusts account in the past 6 months. The new investment service account must be opened on or before 31 December 2011. Discount applies on top of prevailing open-end funds preferential initial charge offer. In any cases, the initial charge offer discount is floored at 1.5%. Terms and conditions apply. Other fees/charges applicable to the relevant fund still apply.
3. $0 brokerage fee on H.K. stocks trading can be enjoyed via HSBC Internet Banking or Mobile Banking within 30 days upon new investment service account opening. The offer is only applicable to customers without any investment service account in the past 6 months. The new investment service account must be opened on or before 31 December 2011. The waived brokerage fee is subject to a maximum limit. Please refer to the applicable terms and conditions for details.
4. $0 brokerage fee on U.S. stocks trading can be enjoyed via HSBC Internet Banking, HSBC Mobile Banking or manned phone within 30 days upon activating U.S. stocks trading service. The offer is only applicable to non-U.S. personal customers with valid identification document complying with U.S. tax requirements who newly activate U.S. stocks trading service. Service activation must be on or before 31 December 2011. The waived brokerage fee is subject to a maximum limit. Please refer to the applicable terms and conditions for details.
5. Only applicable to customers without any investment service account in the past 6 months. The new investment service account must be opened on or before 31 December 2011. Bond Initial Public Offerings and Certificates of Deposit are not eligible. The cash rebate is subject to a maximum limit. Please refer to the appropriate terms and conditions.
6. Only applicable to customers who have opened or converted to an Integrated Account - HSBC Advance during the promotional period from 14 March 2011 to 30 December 2011, both dates inclusive and placed the time deposit with new funds via Foreign Currency Hot Picks Time Deposit offer within the first 6 months of the new account sign up. Please refer to applicable terms and and conditions for details.


Important Risk Warning
1. Some of the investment products are structured products which may involve derivatives. The investment decision is yours but you should not invest unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
2. Units Trusts, Bonds, Certificates of Deposits (CDs) and Structured Products are NOT equivalent to time deposits. Unit Trusts are investment products and some may involve derivatives.
3. Structured Products (except for Callable Fixed Deposits), Deposit Plus and CDs are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.
4. The price of securities may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities.
5. In the worst case scenario, the value of the funds may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
6. Issuer's Risk - you rely on the issuer's creditworthiness. Bonds, CDs, Structured Products and the investment-linked insurance plan are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (e.g. insolvency of the issuer), you might not be able to recover the principal and any interest/coupon, if applicable, and the potential maximum loss could be 100% of invested amount and no interest/coupon received.
7. Investors should not only base on this material alone to make investment decisions.
8. Investment involves risks. Past performance of investment products are no guide to future performance. This document does not constitute a solicitation for the making of any deposit or investment products. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. For details of the investment products and the insurance plan, their related fees and charges and risk factors, please refer to the offering documents of the respective products.
9. Currency conversion risk - the value of your RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your RMB deposit to other currencies at an exchange rate that is less favourable than that at which you made your original conversion to RMB, you may suffer loss in principal.
10. RMB is currently not freely convertible. For personal customers, conversions conducted through RMB deposit accounts with banks in Hong Kong are subject to the limit of up to RMB20,000 per person per day. You should allow time for conversion of RMB from/to another currency of an amount exceeding the daily limit.
11. RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realization costs and may suffer losses accordingly.
12. Additional risks are disclosed in the "Risk Disclosure" section. Please refer to the Terms and Conditions for details.

Promotional Terms and Conditions

General terms and conditions
1. The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (the "Bank") reserves the right to change the Terms and Conditions at any time with reasonable notice and the offer may be withdrawn by the Bank at its discretion without prior notice.
2. Employees of the Bank are not eligible for this promotion.
3. In case of dispute, the decision of the Bank shall be final and conclusive.
4. In case of discrepancies between the English and the Chinese versions of these Terms and Conditions, the English version shall apply and prevail.

(A) RetireIncome Annuity Plan, Lifestyle Wealth Protection Plus, WholeLife Protection Plan and EarlyIncome Annuity Plan

General terms and conditions:
1. "Selected HSBC Advance Customers" are customers who open or upgrade to an Integrated Account - HSBC Advance with the Bank within the period of 1 Jan 2011 to 31 Dec 2011 (both dates inclusive) ("New Advance Account") and have not terminated / converted their Integrated Account - HSBC Premier / Advance to other Integrated Account within six months prior to the date on which the New Advance Account commences.
2. A customer who has withdrawn/cancelled an application/policy for the same insurance plan within the past six months will not be entitled to the promotional offer.
3. If a customer who is entitled to receive the promotional offers under this promotion is also entitled to other offer(s) under another concurrent promotion run by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR ("the Bank") in respect of the same type of designated product or service, such customer is only entitled to receive the offer of the highest value at the Bank's discretion.
4. Offers under this promotion are applicable to Personal Financial Services customers of the Bank only.
5. Premium discount / Premium waiver offered in this promotion are not exchangeable for cash and are not transferable.
6. All insurance applications are subject to approval by HSBC Life (International) Limited.

RetireIncome Annuity Plan / Lifestyle Wealth Protection Plus - First-year Premium Discount
7. The 2% First-year Premium Discount is only applicable to successful applications in respect of a new purchase of RetireIncome Annuity Plan or Lifestyle Wealth Protection Plus from "Selected HSBC Advance Customers" mentioned in Clause 1 of this section AND the application date of the new insurance policy must be within 6 months of the commencement of the New Advance Account.
8. For monthly payment of premium, customers are required to pay the first three months' premium upfront with the discount deducted from the initial payment.
9. For premiums paid on annual basis, the amount of premium payable in the first year will be calculated as "full annual premium X 0.98".

WholeLife Protection Plan - Premium Waiver
10. The 1-month Premium Waiver is only applicable to successful applications in respect of a new purchase of WholeLife Protection Plan from "Selected HSBC Advance Customers" mentioned in Clause 1 AND the application date of the new insurance policy must be within 6 months of the commencement of the New Advance Account.
11. For monthly payment of premium, customers are required to pay the first 2 months' premium upfront in order to enjoy the third month's premium waiver.
12. For premiums paid on annual basis, the amount of premium payable in the first year will be calculated as "full annual premium X 11 / 12".

EarlyIncome Annuity Plan - Premium Waiver
13. The 1% First-year Premium Discount is only applicable to successful applications in respect of a new purchase of EarlyIncome Annuity Plan from "Selected HSBC Advance Customers" mentioned in Clause 1 of this section AND the application date of the new insurance policy must be within 6 months of the commencement of the New Advance Account.
14. For monthly payment of premium, customers are required to pay the first three months' premium upfront with the discount deducted from the initial payment.
15. For premiums paid on annual basis, the amount of premium payable in the first year will be calculated as "full annual premium X 0.99".

(B) FirstCare, Preferred Care, HomeSurance, HospitalSurance and Comprehensive General Insurance Offer

General terms and conditions:
1. The insurance product discount offers are applicable to all new and existing customers who have opened and maintained an Integrated Account - HSBC Advance ("Eligible Customers") with The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (the "Bank") and who have successfully applied for the relevant insurance product within the promotional period from 1 January 2011 to 31 December 2011 (both days inclusive, the "Promotional Period").
2. For Eligible Customers who are entitled to other prevailing promotional offers for the same product, the Bank reserves the right to provide only one offer of the highest value at the Bank's discretion.
3. Customers who have withdrawn or cancelled an application / a policy for the same insurance product within the six months before the successful application of the relevant insurance product will not be entitled to any offer under this promotion.
4. The date appearing in the Bank's records will be conclusive as to the date on which the application / policy of the relevant insurance product was filed, withdrawn or cancelled.
5. Offers under this promotion are applicable to Personal Financial Services customers of the Bank only.
6. All premium discounts or premium waivers are not exchangeable for cash or transferable. The premium discount or premium waivers will only be applicable upon policy approval and cannot be used in conjunction with other promotional offers.
7. All insurance applications are subject to final approval by HSBC Insurance (Asia) Limited.
8. Employees of the Bank are not eligible for this promotion.

FirstCare - Product discount
9. For successful application of FirstCare through a branch, a 5% discount on the first year's premium in respect of "self" enrolment and a prevailing family discount offer of 10% off in respect of "family" enrolment to FirstCare will be offered to the policyholder.
10. For successful application of FirstCare through the phone channel, a 8% discount on the first year's premium in respect of "self" enrolment and a prevailing family discount of 10% off in respect of "family" enrolment to FirstCare will be offered to the policyholder.
11. "Self" enrolment refers to application for the policyholder himself / herself or his / her child; "Family" enrolment refers to any of the following combination: (i) self and spouse, (ii) self and parent, (iii) self and child(ren), and (iv) self, spouse and/or child(ren). To enjoy the designated product offers for family enrolment during the Promotional Period, all members in the above-mentioned combination have to apply together in one new policy (except in the case of self and parent application). In the case of self and parent enrolment, both have to submit the new application at the same time within the Promotional Period so as to enjoy the designated product offers.
12. This offer is applicable to insurance policies applied through branch and phone channels only but not through other channels.

PreferredCare - Product discount
13. For successful application of Preferred Care through a branch, a 10% discount on the first year's premium in respect of "self" or "family" enrolment will be offered to the policyholder.
14. "Self" means self or child(ren) only.
15. "Family" means self, spouse and /or children.
16. This offer is applicable to insurance policies applied through a branch only but not through any other channels.

HomeSurance or HospitalSurance - Product discount
17. For successful applications for HomeSurance or HospitalSurance where the premium is paid on a monthly basis and the first 2 months' premium has been paid upfront, the 3rd and 4th months' premium will be waived.
18. For successful applications for HomeSurance or HospitalSurance where the premium is paid on an annual basis, a discount of 15% on the first year's premium will be offered to the policyholder.
19. This offer is applicable to insurance policies applied through phone and online channels only but not through any other channels.

Comprehensive Non Life Insurance Offer (AccidentSurance, HomeSurance, and MultiTrip TravelSurance)
20. There shall be an overall discount for the concurrent take up of AccidentSurance, HomeSurance and MultiTrip TravelSurance ("Selected Products").
21. If any of the Selected Product(s) is (are) inforce already, Eligible Customers can still enjoy discount offer, but it shall be given to the new application(s) of the Selected Product(s) only. Existing policy(ies) will not be given this discount offer.
22. Eligible Customers can enjoy premium wavier for the period from 3rd to 5th months after paying the initial premium for the first 2 months upon successful new application of Accident Surance or HomeSurance if they select the monthly premium payment. Where premium is paid on an annual basis, there shall be a discount of 20% on the first years' premium.
23. Eligible Customers can enjoy 20% discount on the first years' premium upon successful application of MultiTrip TravelSurance.
24. This offer is only applicable to insurance policies applied through branch and Phonebanking channels.

(C) Unit Trusts Lump Sum and Unit Trust Monthly Investment Plan

Unit Trusts initial charge discount for the first lump sum open-end fund subscription (the "Unit Trust Offer")
1. The promotional period commences on 3 January 2011 and ends on 31 December 2011, both dates inclusive ("the Promotional Period"). The Unit Trust Offer is applicable to any customer who successfully opens a new Integrated Account - HSBC Advance with the Bank during the Promotional Period and a new HSBC Advance Investment Services Account except FundMax Account ("Eligible Investment Account for Unit Trust Offer") within six months after opening of the new Integrated Account - HSBC Advance (in any cases, by latest 31 December 2011) and has not terminated or maintained any HSBC Investment Services Account or Unit Trusts Account within six months prior to opening of the "Eligible Investment Account for Unit Trust Offer" ("Eligible Customer for Unit Trust Offer").
2. The Unit Trust Offer is only applicable to the first lump-sum subscription order of open-end funds (excluding CapitALL funds and funds in the ‘No Subscription Fee Series") made through manned phone banking, HSBC Personal Internet Banking or at any HSBC branch in Hong Kong via the Eligible Investment Account for Unit Trust Offer. 0.75% discount is applied if the first lump-sum subscription order is made within 1 month from the opening date of such investment account or 0.25% discount is applied if the first lump-sum subscription order is made in the second to the sixth month from the opening date of such investment account. In any cases, the initial charge after discount is floored at 1.5%. The eligible period starts to count once the Eligible Investment Account for Unit Trust Offer is opened.
3. In addition to this Unit Trust Offer, Eligible Customers for Unit Trust Offer will still enjoy the prevailing open-end funds preferential initial charge offer applicable to the subscription order but other promotional offers on open-end funds initial charge will not be applicable.
4. Eligible Customers for Unit Trust Offer are required to fully settle the actual initial charge amount at the time of subscription. The "offer amount" (which is the difference between the actual initial charge amount and the initial charge amount under this Unit Trust Offer) will be credited to such customer's default settlement account in settlement account currency within three months after the lump-sum subscription. Eligible Customers for Unit Trust Offer whose Eligible Investment Account for Unit Trust Offer or settlement account is not in place at that time will for all purposes have forfeited their entitlement to the Unit Trust Offer and hence, forfeited also the "offer amount".
5. The Unit Trust Offer is not applicable to subscriptions made under Unit Trust Monthly Investment Plan.
6. All other fees/charges applicable to the relevant fund (including switching fees, redemption fees, management fees and other fees) still apply.
7. The Unit Trust Offer and the prevailing open-end funds preferential initial charge offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the "Bank").

6-month waiver of initial charge for the first new setup of Unit Trust Monthly Investment Plan ("UTMIP") (the "UTMIP Offer")
8. The promotional period commences on 3 January 2011 and ends on 31 December 2011, both dates inclusive ("the Promotional Period"). The UTMIP Offer is applicable to any customer who successfully opens a new Integrated Account - HSBC Advance with the Bank during the Promotional Period and a new HSBC Advance Investment Services Account except FundMax Account ("Eligible Investment Account for UTMIP Offer") within six months from opening of the new Integrated Account - HSBC Advance (in any cases, by latest 31 December 2011) and has not terminated or maintained any HSBC Investment Services Account or Unit Trusts Account within six months prior to opening of the "Eligible Investment Account for UTMIP Offer" ("Eligible Customer for UTMIP Offer").
9. The UTMIP Offer is only applicable to the setup of a new UTMIP made through manned phone banking, HSBC Personal Internet Banking or at any HSBC branch in Hong Kong via the Eligible Investment Account for UTMIP Offer within six months from the opening date of such investment account ("UTMIP Offer Eligible Period"). The UTMIP Offer Eligible Period starts to count once the Eligible Investment Account for UTMIP Offer is opened.
10. The UTMIP Offer is only applicable to the first successful setup of UTMIP within the UTMIP Offer Eligible Period and subject to maximum of HK$5,000 monthly contribution.
11. The Unit Trust initial charge will still apply. Other promotional offers on open-end funds initial charge will not be applicable.
12. Eligible Customers for UTMIP Offer are required to fully settle the actual initial charge amount at the time of subscription. The "offer amount" (which is the difference between the actual initial charge amount and the initial charge amount under this UTMIP Offer) will be credited to such customer's default settlement account in settlement account currency within nine months after the setup of UTMIP. Eligible Customers for UTMIP Offer whose Eligible Investment Account for UTMIP Offer or settlement account is not in place, or the UTMIP has been terminated at that time will for all purposes have forfeited their entitlement to the UTMIP Offer and hence, forfeited also the "offer amount".
13. All other fees/charges applicable to the relevant fund (including switching fees, redemption fees, management fees and other fees) still apply.
14. The UTMIP Offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the "Bank").

Risk disclosure
Unit Trusts
1. Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc) may also involve a higher degree of risk and are usually more sensitive to price movements.
2. Credit Risk/Interest Rate Risk - a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities.
3. Counterparty Risk - a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognised exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organised exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counter party with which a fund trades such instruments, which could result in substantial loss to a fund.

(D) $0 Brokerage Fee Offer for H.K. and U.S. Stocks Trading

General terms and conditions:
1. All remarks and footnotes stated in the promotional materials are intended to serve as part of the promotional terms and conditions.
2. All offers under this promotion are provided subject to the prevailing regulatory requirements.
3. All the terms and conditions listed above are governed by and construed in accordance with the laws of HKSAR.
4. The waived brokerage fees will be converted to and paid in Hong Kong dollars at a prevailing exchange rate designated by the Bank from time to time.

$0 Brokerage Fee Offer for H.K. Stocks (the "Offer")
1. The Offer is effective from 1 January 2011 to 31 December 2011, both dates inclusive (the "Promotional Period").
2. The Offer is applicable to customers who successfully open a new Integrated Account - HSBC Premier and a new HSBC Premier Investment Services Account / HSBC Premier Securities Margin Trading Service Account; or (b) a new Integrated Account - HSBC Advance and a new HSBC Advance Investment Services Account / HSBC Advance Securities Margin Trading Service Account, as the sole or principal account holder during the Promotional Period (the "Eligible Customers") (the "Eligible Investment Account").
3. Customer who is currently holding or has terminated any HSBC investment account with account suffix 380, 381, 388 or 391-394 within six months prior to the specific dates listed in the below table will not be eligible to this Offer:
Eligible Investment Account opening date Six months prior to below specific dates
1 January 2011 - 31 March 2011 1 January 2011
1 April 2011 - 30 June 2011 1 April 2011
1 July 2011 - 30 September 2011 1 July 2011
1 October 2011 - 31 December 2011 1 October 2011
4. The Offer is a brokerage fee waiver applicable to local securities transactions (excluding transactions made in respect of initial public offerings and Stocks Monthly Investment Plans) which are effected via HSBC Personal Internet Banking (www.ebanking.hsbc.com.hk), HSBC Stock Express (www.hsbc.com.hk/stockexpress) or HSBC Mobile Banking (www.hsbc.com.hk) through the Eligible Investment Account within 30 calendar days upon its account opening date (the "Eligible Period") (the "Eligible Transactions").
5. Eligible Customers will enjoy $0 brokerage fee for all Eligible Transactions until the total cumulative standard brokerage fee reaches HK$2,500 for HSBC Advance Eligible Customers. All subsequent transactions will be subject to standard brokerage fees (minimum HK$100 per transaction).
Example (HSBC Advance Eligible Customer):
An Eligible Customer opens a new Integrated Account - HSBC Advance with Eligible Investment Account on 1 March 2011 and conducts the following Eligible Transactions during the Eligible Period:
Trade date Transaction amount Standard brokerage fee Waived brokerage fee
7 Mar 2011 HK$980,000 HK$2,450 HK$2,450
21 Mar 2011 HK$200,000 HK$500 HK$50 (subject to cap)
25 Mar 2011 HK$50,000 HK$125 n/a (over cap)
11 Apr 2011 HK$100,000 HK$250 n/a (not within Eligible Period)
Total HK$1,330,000 HK$3,325 HK$2,500
6. The standard brokerage fees will be deducted upfront and the portion of waived brokerage fees will be reimbursed to the settlement account of Eligible Investment Account within 12 months upon account opening. Eligible Customers must not terminate or downgrade these accounts within 12 months in order to enjoy this Offer.
7. Other transaction fees/charges still apply. These include, without limitation, deposit transaction charge (for purchase orders only), SFC transaction levy, investor compensation levy, HKEx trading fee and stamp duty.
8. Each Eligible Customer will be entitled to the Offer once only. If customer is eligible to more than one concurrently running local securities promotional offers, the Bank reserves the right to award only the offer deemed to be of higher value at the Bank's discretion.

$0 Brokerage Fee Offer for U.S. Stocks (the "Offer")
1. The Offer is effective from 1 January 2011 to 31 December 2011, both dates inclusive (the "Promotional Period").
2. The Offer is only applicable to the sole or principal account holders of HSBC Integrated Investment Services Account with account suffix 380 who successfully activate the U.S. stock trading service during the Promotional Period (the "Eligible Customers") (the "Eligible Investment Account").
3. Customer who is currently holding or has terminated any HSBC Integrated Investment Services Account activated with the U.S. stock trading service within six months prior to the specific dates listed in the below table will not be eligible to this Offer:
Promotional Period Six months prior to below specific dates
1 January 2011 - 31 March 2011 1 January 2011
1 April 2011 - 30 June 2011 1 April 2011
1 July 2011 - 30 September 2011 1 July 2011
1 October 2011 - 31 December 2011 1 October 2011
4. The Offer is a brokerage fee waiver applicable to U.S. stocks transactions which are effected via HSBC Stock Express (www.hsbc.com.hk/stockexpress), HSBC Mobile Banking (www.hsbc.com.hk) or HSBC Manned Phonebanking Service (for HSBC Premier and HSBC Advance customers only) through the Eligible Investment Account within 30 calendar days upon its U.S. stock trading service activation date (the "Eligible Period") (the "Eligible Transactions"). The U.S. stock trading service activation date is the later date between the creation dates of W-8BEN Form and NYSE Market Data Agreement according to the Bank record.
5. Eligible Customers will enjoy $0 brokerage fee for all Eligible Transactions until the total cumulative standard brokerage fee reaches HK$2,500 for HSBC Advance Eligible Customers. All subsequent transactions will be subject to standard brokerage fees (minimum brokerage fee per transaction for the first 1,000 shares: HSBC Stock Express / HSBC Mobile Banking - US$18; HSBC Manned Phonebanking Service - US$38).

Example (HSBC Advance Eligible Customer):
The Eligible Customer has successfully activated the U.S. stock trading service of an Eligible Investment Account on 1 March 2011 and conducts the following Eligible Transactions during the Eligible Period:
Trade date Transaction Channel No. of shares Standard brokerage fee Waived brokerage fee
7 Mar 2011 Stock Express 15,000 US$228 x $7.8 = HK$1,778.4 HK$1,778.4
21 Mar 2011 Manned Phonebanking 10,000 US$173 x $7.8 = HK$1,349.4 HK$721.6 (subject to cap)
25 Mar 2011 Mobile Banking 500 US$18 x $7.8 = HK$140.4 n/a (over cap)
11 Apr 2011 Manned Phonebanking 800 US$38 x $7.8 = HK$296.4 n/a (not within Eligible Period)
Total   26,300 HK$3,564.6 HK$2,500
6. The standard brokerage fees will be deducted upfront and the portion of waived brokerage fees will be reimbursed to the settlement account of Eligible Investment Account within 12 months upon its U.S. stock trading service activation date. Eligible Customers must not terminate or downgrade these accounts within 12 months in order to enjoy this Offer.
7. Other transaction fees/charges still apply. These include, without limitation, SEC fee (for sell transaction only) and American Depository Receipt (ADR) Fee.
8. Each Eligible Customer will be entitled to the Offer once only. If customer is eligible to more than one concurrently running U.S. stock promotional offers, the Bank reserves the right to award only the offer deemed to be of higher value at the Bank's discretion.

(E) Retail Bonds - 0.1% Cash Rebate (the "Offer")
1. All remarks and footnotes stated in the promotional materials are intended to serve as part of the promotional terms and conditions.
2. All offers under this promotion are provided subject to the prevailing regulatory requirements.
3. All the terms and conditions listed above are governed by and construed in accordance with the laws of HKSAR.
4. The Offer is effective from 1 January 2011 to 31 December 2011, both dates inclusive (the "Promotional Period").
5. The Offer is applicable to customers who successfully open a new Integrated Account - HSBC Advance and a new HSBC Advance Investment Services Account, as the sole or principal account holder during the Promotional Period (the "Eligible Customers") (the "Eligible Investment Account").
6. Customer who is currently holding or has terminated any HSBC investment account with account suffix 380, 381, 388 or 391-394 within six months prior to the specific dates listed in the below table will not be eligible for this Offer:
Eligible Investment Account opening date Six months prior to below specific dates
1 January 2011 - 31 March 2011 1 January 2011
1 April 2011 - 30 June 2011 1 April 2011
1 July 2011 - 30 September 2011 1 July 2011
1 October 2011 - 31 December 2011 1 October 2011
7. The Offer is a cash rebate equivalent to 0.1% on the total nominal value of any bond purchases (excluding Bonds initial public offering and Certificates of Deposit) successfully executed via HSBC Personal Internet Banking (www.ebanking.hsbc.com.hk), HSBC Phonebanking Service or HSBC branches through the Eligible Investment Account within 30 calendar days upon its account opening date. The cash rebate is subject to a maximum of HK$500 for HSBC Advance Eligible Customers.
8. The cash rebate will be converted to and paid in Hong Kong dollars at a prevailing exchange rate designated by the Bank from time to time. The rebate amount will be credited to the settlement account of the Eligible Investment Account within 12 months upon account opening. Eligible Customers must not terminate or downgrade these accounts within 12 months in order to enjoy this Offer.
9. Each Eligible Customer will be entitled to the Offer once only. If customer is eligible to more than one concurrently running retail bond promotional offers, the Bank reserves the right to award only the offer deemed to be of higher value at the Bank's discretion.

Risk disclosure
Retail Bonds
1. Bonds are mainly for medium to long term investment, not for short term speculation. You should be prepared to invest your funds in bonds for the full investment tenor; you could lose part or all of your investment if you choose to sell your bonds prior to maturity.
2. It is the issuer to pay interest and repay principal of bonds. If the issuer defaults, the holder of bonds may not be able to receive back the interest and principal. The holder of bonds bears the credit risk of the issuer and has no recourse to HSBC unless HSBC is the issuer itself.
3. Indicative bond prices are available and bond prices do fluctuate when market changes. Factors affecting market price of bonds include, and are not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds.
4. If you wish to sell the bonds purchased through HSBC, HSBC may repurchase them based on the prevailing market price under normal market circumstances, but the buying price may differ from the original selling price due to changes in market conditions.
5. There may be exchange rate risks if you choose to convert payments made on the bonds to your home currency.
6. The secondary market for bonds may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of the bond holders.
7. If a bond is early redeemed, you may not be able to enjoy the same rates of return when you re-invest the funds in other investments.

All life insurance plans are underwritten by HSBC Life (International) Limited. All medical and general insurance plans are underwritten by HSBC Insurance (Asia) Limited. HSBC Life (International) Limited and HSBC Insurance (Asia) Limited are authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Life (International) Limited and HSBC Insurance (Asia) Limited. The information shown is intended as a general summary. For charges and details, please refer to the relevant Product Brochures and policies or contact any HSBC branches or staff for offer details.

The information in this document does not constitute a solicitation for the making of any deposit or investment in any products referred to herein. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. This material has not been reviewed by the Securities and Futures Commission of Hong Kong.

Issued by The Hongkong and Shanghai Banking Corporation Limited


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