HSBC Premier Welcome Pack

Issued by HSBC Bank (China) Company Limited

Welcome
Welcome and thank you for choosing HSBC Premier.
We have travelled the world with the single aim of
understanding the needs of our Clients better than
ever before. In this process we have come to
appreciate that you live varied, complex and interesting
lives. We also appreciate that many of you are experts
in your field, highly driven and successful. It is why at
HSBC Premier we have developed a standard of
service that lives up to your expectations. A service
that is tailored to each of your unique and individual
needs.
In this pack we would like to introduce you to the many
benefits and services we offer you as a Premier Client.
If you have any further questions please do not
hesitate to contact your Relationship Manager.

Introducing
your
personal
economy
Our sole aim at HSBC Premier it to keep your personal
economy moving forward. Your personal economy
represents the health of your whole financial life. It
incorporates and influences all the things that you value
most – your family, your homes, your passions, your
work, your legacy. Your personal economy is unique to
you, completely interconnected and constantly
changing and so requires constant care and attention
to keep it in balance.
And that’s our job at HSBC Premier – to provide
personal support for your personal economy. We can
do this better than anybody else, in 4 unique ways.

What makes
HSBC Premier
special

A dedicated
Relationship
Manager plus
a team of
global experts
Your personal economy is complex. To make things
simple, we provide you with a Relationship Manager.
Someone who gets to know the various aspects of
your life before matching you with perfectly suited
solutions. Your Relationship Manager is also supported
by a global network of over ten thousand people, all
experts in their field. Because when it comes to your
personal economy, we believe 11,324 heads are better
than one.
An accredited and knowledgeable Premier
Relationship Manager supported by a team
of wealth and retail specialists
Specialist advice and financial planning, to
help you fulfill your hopes and dreams, and
realise your ambitions
Access to the expertise provided by HSBC’s
Global Markets, Asset Management and
Insurance businesses

We measure
our success
on how satisfied
you are
At HSBC we take your personal economy personally.
That’s why we aren’t paid commission on the products
we sell. Instead, we are rewarded when you are
satisfied. And to help make sure you’re happy, we offer
extensive advice in the areas of protection, education,
retirement, managing and growing wealth. We also
give you access to your investments online, making it
easy to manage them remotely.
Comprehensive wealth solutions to support
your needs across Protection, Education,
Retirement, Managing and Growing Wealth,
and Legacy
Personal satisfaction as a priority. Our
Relationship Managers’ success is measured on
how well they support your personal economy
Digital solutions to help you access and manage
your investments

There for you
wherever and
whenever
you need us
Your personal economy is always with you. Which is
why we’ve built a service with global reach and round
the clock service. From speaking to one of our team in
person, to checking in online, you can feel reassured
that wherever life takes you, we’ll be there, taking care
of your personal economy.
Automatic Premier status in all markets you
bank with HSBC
Online banking, providing single access to all
your HSBC accounts globally
Instantaneous, fee-free international fund
transfers between your HSBC accounts
International account opening, before you
arrive at your destination
Access to our Regional Premier International
Centres, providing specialist services to meet
your cross-border wealth management needs
Emergency card replacement within 24 hours,
and emergency encashments at any HSBC
branch worldwide

Preferential
access to the
best services
and products
As a Premier Client, you’ve worked hard to build your
personal economy. And as a successful person, it
follows that you should expect a certain level of service
and attention. Therefore, we are committed to
delivering products, services and rewards that live up
to these expectations. Which is why we give you
access to the best HSBC has to offer.
Preferential rates relative to other HSBC Clients
Free supplementary cards, and emergency
assistance extended to the immediate family
Preferential access to our dedicated 24 hour
telephone banking service

As an HSBC Premier account holder,
you can also enjoy:
Access to all your accounts around the world in
one place with Global View, plus easy management
with the free additional statements, group
document delivery and more
Real-time foreign currency Global Transfer between
your HSBC accounts
Preferential mortgage rates with a wide array of
free services for your mortgage loan
Free cash withdrawals with your HSBC Premier Debit
card at HSBC Group ATM machines worldwide
Free cross branch cash services within HSBC China.
Free intra-city or inter-city CNY cross-bank payment
(of CNY50,000 or less per transaction) via Personal
Internet Banking or mobile banking
Free Foreign Currency funds transfer from Notes
Account to Exchange Account
Free Inward Telegraphic Transfer to any HSBC
China account
Free Instant Telegraphic Transfer for initial deposit
after account opening and 50% discount thereafter.
Free bill collection for US$5,000 or more
Exclusive offers and discounts for dining, travel,
leisure activities and shopping with your HSBC
Premier debit card

HSBC
Premier
services

If you would like to know more about any of
these services, do not hesitate to contact your
Relationship Manager.
Your HSBC Premier bank account
RMB and foreign currency deposits
Foreign exchange services and settlement
HSBC Premier debit card
Telephone banking
e-banking service: Ali-pay express payment, mobile
banking service
Your Wealth
Advanced wealth management platform
World-class product solutions
Up-to-date market information and expert opinion
Your International banking
Overseas Education
Overseas real estate purchasing
Immigration service
Overseas travel service
Greater China service
Moving to China
HSBC Home Mortgage Loans

Issued by HSBC Bank (China) Company Limited

Introduction
This handy Service Guide contains all the information you need to make the most of HSBC Premier. In it you’ll find
specifics on services we provide to our Premier customers, including information on the International Recognition and
Support you are entitled to around the world and how our International Banking Centres can assist you to set up your
overseas HSBC services should you require these. And we’ll also show you how to leverage our comprehensive
global wealth management services. Please refer to the relevant sections of the guide and related Terms and Conditions
for more details on HSBC Premier services. If you have any enquiries, feel free to contact your Relationship
Manager/Officer, or our 24-hour Premier hotline on (86) 400 820 8828 or (8621) 3888 8828.
Contents
International Recognition and Support ................................................................................................................
International Services ..........................................................................................................................................
Global Wealth Management ................................................................................................................................
Preferential Pricing and Service Charges .............................................................................................................
Appendices ..........................................................................................................................................................
2
5
7
12
16
1

International
Recognition
and
Support
The power of our far-reaching and globally connected
network means that as an HSBC Premier customer,
you will receive personal recognition and unrivalled
local support when you travel for work, leisure, or
move overseas. Easy access to global emergency
assistance services is provided through a dedicated
hotline offering support when you need it, including
emergency encashment services, freeing you to
explore more of the world with complete peace of
mind.
A.Global Network of Premier Centres
a) Local support and recognition both at home and
abroad
Whether you and your family member (spouse & children)
are in mainland China or traveling, you can always enjoy
privileged access to our wealth management and banking
services when you visit any of our HSBC International
Premier Centres. Simply present your HSBC Premier
Recognition Card and / or valid ID at over 250 International
Premier Centres around the world to receive the warmest
welcome and exclusive lounge facilities. For locations of
Premier Centres in mainland China, please visit
www.hsbcpremier.com.cn for the latest list.
b) Access to your Relationship Manager/ Officer and
Mainland China Premier Call Centre when abroad
When you are outside mainland China, you can reach
mainland China’s Premier phonebanking services by making
a call through the local telecom provider to the Mainland
China Premier Call Centre on (86) 400 820 8828 or (8621 )
3888 8828. Alternatively, you can visit any of our Premier
Centres to talk to your Relationship Manager / Officer or log
on to HSBC Personal Internet Banking services.
c) Provision of local knowledge and travel tips
Our Premier Centres worldwide are a valuable resource
whenever you travel. Come and talk to our Premier staff in
the country you and your family member (spouse & children)
are visiting to find out more about local places to eat,
hotspots to visit, things to do and process of buying a
property. Tap into our local knowledge to make your trip
more interesting and rewarding.
d) 24hour Premier Call Centre and Automated
Phonebanking Services
Enjoy the convenience of our simple, easy-to-use manned
and automated phonebanking service. With us, your banking
needs are well taken care of, 24 hours a day, 7 days a week.
You can check your account balances and transfer RMB
funds between any of your sole-named / joint named
accounts 1 or make payments to registered 2 third party same
name & same account type accounts (after registration).
Note1: Customer can only transfer funds through joint name account(s)
after registration.
Note2: Customer has to set up a transfer limit through registration,
before transferring funds to nonregistered account(s).
e) Internet Banking Service
HSBC Personal Internet Banking simplifies your life! Manage
your finances anytime anywhere, check account balances,
conduct local RMB payments, overseas remittances, Global
Transfers, FCY-CNY conversions, exchange of foreign
currencies, place dual currency investment and open term
deposits and more, 24 hours a day! For detail information,
please refer to the Personal Internet Banking page in our
public website at www.hsbc.com.cn/1/2/personal-banking/
e-banking/personal-internet-banking, or access to our
online demo
at www.hsbc.com.cn/1/2/misc/personal-misc/pibdemo
- 24-hour foreign currency exchange service
For transactions fulfilling minimum amount requirement,
you can make use of our “24-hour foreign currency
exchange” service to exchange foreign currencies with
preferential real time rates. Up to 10 foreign currencies are
supported, including USD, EUR, HKD, JPY, GBP, AUD, etc.
For service hours, please refer to the Personal Internet
Banking page or the remark section of the “24-hour
foreign currency exchange” service function in the Internet
Banking.
- Online FCY-CNY conversion
Eligible customers could enjoy the convenience of placing
real-time conversion instructions between CNY and FCY
within annual quota through Personal Internet Banking. For
service hours, please refer to the Personal Internet
Banking page or the remark section of the “FCY-CNY
conversion” function in the Internet Banking.
- Dual Currency Investment (Basic Type) Online Trading
Eligible customers could enjoy the convenience of placing
Dual Currency Investment (Basic Type) through Personal
Internet Banking. For service hours, please refer to the
Personal Internet Banking page or the remark section of the
“Dual Currency Investment (Basic Type) Online Trading.
2
3

f) Mobile Banking
We provide Mobile Banking Application on iOS and Android
Mobile System. You can download the application in iOS
App Store and Google Play and log on to Internet banking
with the app using iPhone, Android phone or iPad. The
application supports various banking functionalities including
but not limited to account balance enquiry, Local Transfer,
FCY/CNY Conversion, GetRate and Term Deposit placement.
g) Ali-Pay Link up
To fulfill your online payment needs, we provide “HSBC
China Ali-pay Express Payment” function. By having your
HSBC China Debit Card, you can link your card to Ali-pay to
make online payments. For every payment through this
function, you only need to use Alipay passcode and/or
dynamic password sent to your mobile instead of logging
onto Internet Banking. You can also adjust your payment
limit through Internet Banking.
B.Global Emergency Number and Emergency
Services
a) Emergency Encashment Services
We understand that accidents can and do happen so we
provide hassle-free encashment services should such an
emergency arise. You and your family member (spouse &
children) can choose to either visit one of our HSBC
branches or simply make a collect call to the Premier
Emergency hotline on (1) 314 275 67 81 to arrange emergency
cash that can be delivered to over 245,000 outlets
across 200 countries; now that’s convenience!
b) Worldwide number
1-908-PREMIER (1-908-7736437) 3
Wherever you are in the world, it’s easy to remember that
you can always call our Premier hotline 1-908- PREMIER 3 in
the US (IDD charge applies if call is made outside US) for
the aforementioned emergency assistance services 24
hours a day, 7 days a week, ensuring peace of mind.
Note3: Charges apply.
International
Services
The world is becoming a smaller place, and many of
our customers move or travel frequently – rest
assured that we look after your personal banking
needs wherever in the world life takes you. Once you
are an HSBC Premier customer in mainland China
and meet the Premier minimum balance requirement,
you are automatically entitled to receive HSBC
Premier services in other countries and the minimum
balance requirement applicable to other countries
will be waived in those subsequent countries. This is
because your Premier status qualifies you for the
best service across the world.
A.International Banking Services for free
a) International needs review
Should you need banking services overseas, we will
conduct an International Needs Review for you, in order to
identify practical solutions to ensure all your financial needs
will be taken care of both at home and abroad.
b) Pre-opening of overseas account
Our experts at the International Banking Centres can
arrange to open overseas HSBC accounts for you before you
even leave for your new country. Your account will be
opened and your account pack, including a cheque book,
debit card, ATM card, credit card and related Personal
Identification Numbers (PINs) (if applicable), will be ready
within 10 business days 4 .
Note4: Subject to the compliance of local laws and regulations in the
destination country with going through the relevant approval process.
c) Personalised onboarding services
A dedicated international expert will be assigned to manage
the entire process of establishing your accounts in the new
country. A local Relationship Manager / Officer will contact
you to ensure that you have settled in and to provide
assistance wherever necessary.
d) Credit history transfer
To ensure your move is as smooth as possible, we can,
upon request 5 , transfer your credit history from your
originating country to assist you to obtain your new credit
limit in the overseas HSBC offices.
Note5: Credit history will be transferred from customer’s originating
country with their outbound application.
4
5

e) Free 6 international online fund transfers between
your HSBC accounts
As a Premier customer, via internet banking you can make
free 6 cross boarder foreign currencies fund transfer between
your own HSBC accounts (including joint accounts) in different
countries or territories (subject to the compliance of local laws
and regulations). If the transfer is between the countries /
territories where the unique “HSBC’s Global Transfer" service
is available, your transfer instruction will be completed
real-time with all charge waived.
Note6: Where Global Transfer is available, “free” means free Global
Transfer service.
B.Global view & Global transfer
With HSBC Premier, you can access and view all your
accounts within HSBC worldwide, giving you a consolidated
view of your accounts with HSBC through one single logon
to our Personal Internet Banking once your Internet Banking
profiles are linked up. Besides, you can also make use of
the "Global Transfer" service to enjoy real-time foreign
currencies transfers between your self-named HSBC
accounts held in different countries or territories, and for
free. (please refer to Appendices for more details.)
Global Wealth
Management
At HSBC we provide you with a range of wealth
management products to cover your investment
needs, with access to global and local market
information to keep you abreast of the latest financial
market news and developments.
A.Regular review of investment products
Your Relationship Manager / Officer will offer you personalised
care and attention to take care of your wealth
management needs by providing regular reviews at least
twice a year on the progress of your investment products,
and we will regularly and proactively keep you updated on
your products’ movement. You are also encouraged to
discuss your investment product with your Relationship
Manager / Officer if your investment needs or risk appetite
change at any time.
B. Access to global and local market information
f) Comprehensive international services website
Visit our website www.hsbcpremier.com.cn to get useful
information about moving abroad, buying property or investing
overseas. For those customers interested in sending their
children to study abroad, we have a resource centre with
helpful details to assist your planning and preparation. There
are also links to international tools (e.g. world clock, international
dialing codes and Premier Centre locations worldwide)
which come in handy for people on the move.
We pride ourselves on providing insightful global and local
market information to help you make informed investment
decisions. We can also offer our expertise to help you make
the most of your money.
C. Wealth management products
You can maximise your wealth potential by choosing from
our range of investment products that suit your investment
objectives and risk appetite. Our wealth management
products and services are listed below:
6
7

8
a) Account and Deposit Services
You can enjoy our account and deposit services in RMB and
Available foreign currencies are Hong Kong dollar, US dollar,
Japanese yen, Euro, Pound Sterling, Canadian dollar, Australian
dollar, Singapore dollar, New Zealand dollar and etc.
Multi-Currency Accounts
Personal foreign currency (FCY) saving accounts are
available in FCY Notes Saving Accounts and FCY Exchange
Saving Accounts.
- Statement Savings Accounts: Offering you the flexibility of
placing multiple foreign currencies under one single
account
- Call Deposit Accounts: Offering you a better interest rate
compared with current deposit on your foreign currency
deposits. Withdrawal is available from these accounts with
advance written notice to the Bank
- Time Deposit Accounts: Ideal for depositing larger sums of
money that you do not need instant access to, that can then
earn higher interest rates compared with current deposits
Renminbi Accounts
- Renminbi Demand Deposits: Offers you instant access to
your accounts including Settlement Accounts, Current
Accounts, Overseas RMB Saving Accounts and Overseas
RMB Settlement Accounts
- Renminbi Call Deposits: Offers you a higher rate of interest
on your Renminbi deposits compared with current deposits.
- Renminbi Time Deposits: Ideal for depositing larger sums of
money that you do not need instant access to, and that can
then earn higher interest rates compared with current deposits.
Children Accounts (children under the age of 18)
A one-stop service allows you to plan and save for your
child’s future
b) Investment Products
Capital Protected Investment (CPI)
We offer you a range of Structured Investments linked to
various underlying financial assets globally, such as equity
and index, interest rates, currencies, funds and commodities
that help to meet your needs for wealth appreciation and
risk diversification.
Product Features:
- Provide different capital protection levels: 100% or partial
capital (e.g. 90%) protection at maturity to protect your
wealth from the uncertainties in the fast changing market
- Global investment opportunities: From a variety of linked
underlying financial instruments, such as equity and index,
interest rates, currencies, funds, commodities and other
major global financial assets to capture global investment
opportunities
- Variety of payoff structures: Wide variety of return and
payoff structures to fulfill your specific investment need
- Flexible tenor options determined by market demand to
assist you with flexible management of wealth
- Multiple choices of investment currencies: Available in
currencies such as RMB, USD, AUD, HKD, EUR and other
major currency types
Risk Disclosure:
Structured Investment entails investment risk. Investors will
only obtain the return on this product as per the express
stipulation of the applicable terms and conditions. Investors
should fully understand the investment risk and act
prudently in making the investment decision. This product is
not a deposit and should not be treated as a deposit or a
substitute thereof. Investors must be prepared to take the
risk of earning a comparatively lower return or even no
return on the money invested. The issuance of and details
contained in this document do not constitute an offer or
solicitation for, or advice that you should enter into, the
purchase or sale of the capital protected product described
herein. Prior to entering into a transaction, you should read
and fully understand the description of the product
(especially the risk disclosure). If investors have any
concerns about this product, they should consult their
professional financial advisers.
Dual Currency Investment (DCI)
Dual Currency Investment is a structured investment
product. By taking advantage of exchange rate movements,
it allows you to earn a potentially return, while meeting your
foreign currencies needs.
Product Features:
- A structured investment product linked with exchange rate
of selected foreign currency pair
- You can choose an investment currency and a linked
currency, which can be USD, HKD, AUD, CAD, EUR, GBP,
JPY, SGD or NZD
- Flexible tenors (varies from 1week to 1 month) that cater
to your specific needs in a short-term investment
- Eligible customers could enjoy the convenience of placing
Dual Currency Investment (Basic Type) through Personal
Internet Banking
Benefits:
- Dual Currency Investment allows you to diversify your
investment portfolio to spread investment risk
- Dual Currency Investment is especially beneficial when
foreign currency fluctuation is low or the linked currency is
expected to appreciate in your investment period
- An opportunity to convert to linked currency of your choice
at your pre-agreed exchange rate at maturity
Risk Disclosure:
Dual Currency Investment is a non-principal protected
investment product with floating return involving high
investment risks. Dual Currency Investment has high
investment risks and you may suffer material loss of the
investment principal due to market fluctuations, you should
fully understand the relevant risks of the Dual Currency
Investment and invest prudently. The issuance of and details
contained in this document do not constitute an offer or
solicitation for, or advice that you should enter into, the
purchase or sale of the Dual Currency Investment described
herein. Prior to entering into a transaction, you should read
and fully understand the description of the product
(especially the risk disclosure). If investors have any
concerns about this product, they should consult their
professional financial advisers.
9

Overseas Investment Plan
HSBC brings you the opportunity to invest globally. You
could diversify your investment risk and benefit from global
investment without going abroad.
Features:
- Minimum investment amount of RMB50,000 or its
equivalent value in other currencies (adjusted according to
the FX change with integer kept. Please refer to the
Product Subscription Pack for details)
- Different underlying assets can be linked to the investment
Benefits:
- The opportunity to invest in diversified market overseas,
like equity, fixed income or commodity etc
- Can have both FCY (depend on the different product) and
RMB investment
Risk Disclosure:
Overseas Investment Plan is a non-principal protected investment
product with floating return involving high investment risks. You
may suffer significant loss of principal due to market fluctuation.
You should fully understand the investment risks and act prudently
in making the investment decision. This investment plan is not a
deposit and should not be treated as a deposit or a substitute
thereof. The returns hereunder are subject to the credit risk of the
issuer, the custodian bank and the Bank. The issuance of and
details contained in this document do not constitute an offer or
solicitation for, or advice that you should enter into, the purchase
or sale of Qualified Domestic Institutional Investor Plan described
herein. Prior to entering into a transaction, you should read and
fully understand the description of the product (especially the risk
disclosure). If investors have any concerns about this product,
they should consult their professional financial advisers.
10
Local Open-ended Fund
Riding on the customer-needs centric wealth management
concept, HSBC distributes a series of local mutual funds, in
order to assist you to catch the local investment opportunities,
diversify your investment risk and fulfill your various
investment needs.
Features:
- Minimum investment amount of RMB50,000
- Different underlying assets can be linked to the investment
Benefits:
- The opportunity to invest in diversified local markets, like
equity, fixed income or commodity etc
- Diversify investment risks and meet the investment needs
Risk Disclosure:
Local Open-ended Fund is a non-principal protected investment
product with floating return involving high investment
risks. You may suffer significant loss of principal due to
market fluctuation. You should fully understand the investment
risks and act prudently in making the investment
decision. This product is not a deposit and should not be
treated as a deposit or a substitute thereof. The past performance
of the fund does not represent the future performance,
and the fund performance of other funds managed by the fund
management company does not provide the guarantee of new
fund’s performance. Prior to entering into a transaction, you
should read and fully understand the description of the product
(especially the risk disclosure). If investors have any concerns
about this product, they should consult their professional
financial advisers.
c) Mortgage Services
Benefit and Features:
- Multiple currency options including RMB, HKD, and USD
- Loans tenor: up to 30 years for primary properties and 20
years for secondary properties
- One-to-one service by home mortgage loan specialists to
facilitate end-to-end process
- Competitive interest rate: Preferential rate for first property
loan in China. Free property insurance & extra fee waivers
- Easy repayment: You can make real-time foreign currency
'Global Transfer' service between your self-named HSBC
accounts in different countries and territories to complete
the repayment
We offer several flexible repayment options:
- Monthly straight-line repayment: Monthly repayments at a
fixed amount, helping you plan your budget and expenses
- Fortnightly straight-line repayment: Fortnightly repayments
at a fixed amount, enabling saving of more loan interest
and shorten the tenure of your loan
- Monthly reducing balance repayment: Monthly repayments
start higher at the beginning of the loan and reduce
over the life of the loan, allowing the extra saving on the
overall interest paid
* Subject to the compliance of relevant laws and regulations (to be
updated from time to time). Detail mortgage loan terms and conditions will
be confirmed in the final agreement between the Bank and the applicant.
d) Insurance Agency Business
We also have a range of insurance products and services
offered by several insurance companies which are designed
to protect you and your family against events that will
hopefully never arise. At every stage of your life we give you
peace of mind by protecting your life, your future, your loved
ones and your health so that you and your family feel safe
about the future.
Insurance agency business is provided by the Premier Centres
in Shanghai, Beijing, Shenzhen, Guangzhou, Dongguan,
Suzhou, Hangzhou, Ningbo, Xiamen, Dalian, Shenyang,
Qingdao, Jinan, Tianjin, Chengdu, Chongqing, Wuhan, Xian,
Taiyuan, Nanjing and some other cities. If you have any enquiry
for the details, please contact us by below channels.
Multi-channel access through:
- Enquiry hotline on (86) 400 820 8828
- Contacting your Relationship Manager / Officer
- Visiting any of our Premier Centres in the above cities
The above insurance products are offered by several wellknown
insurance companies, which are authorised and
regulated by the China Insurance Regulatory Commission.
The HSBC Bank (China) Company Limited is an insurance
agent authorised by the above insurance companies. The
information shown above is intended as a general summary.
You should refer to the insurance policies for the detailed
terms and conditions.
11

D. Consolidated Statement
In a clear, easy-to-understand format, Premier’s consolidated
statement captures details of your financial products under
Premier and other accounts with us. The statement includes
a statement of all investments made through HSBC,
including transaction history on a monthly basis.
Preferential
Pricing
HSBC Premier brings you preferential rates and a host
of bank charge waivers. We offer privileged lending
interest and exchange rates.
Account Services
Issue Certificate of Balance
Issue Certificate of Frozen Deposit
Issue Additional Statements
Issue copies of statement, voucher & cashed cheque
Send facsimile for customer
Signature Witness / Certify True Copy
Forward Overseas HSBC Group Documents
Standing Instruction Establishment, Amendment or Termination
Overseas HSBC Account Opening
Global Emergency Encashment Service
Replacement of Security Device for Personal Internet Banking
Foreign currency fund transfer from Notes Account to Exchange Account
Free*
Free*
Free*
Free*
Free*
Free*
Free*
Free*
Free* &
Free*
Free*
Free*
Cash Services
Foreign Currency Notes Withdrawal
Free*
Cross Branch Services within HSBC China
CNY Cash Withdrawal / CNY Cash Deposit
Foreign Currency Cash Withdrawal/ Foreign Currency Cash Deposit
CNY Fund Transfer within HSBC China
Foreign Currency Fund Transfer within HSBC China
Time Deposit’s Open, Renew, & Withdrawal
Call Deposit’s Open, Renew, & Withdrawal
Dormant Account Reactivation
Unclaimed Account Reactivation
Cross Branch Forward Document within HSBC China
Issue Additional Statement
Issue Certificate of Balance
Free*
Free*
Free*
Free*
Free*
Free*
Free*
Free*
Free*
Free*
Free*
Overseas Remittances
Additional commission on outward remittance from foreign currency notes accounts
Inward Remittance paid to HSBC China Account
Free*
Free*^
12
13

HSBC Premier Service Charges
Global Transfer
Online cross-border CNY Telegraphic Transfer via Personal Internet
Banking between Self-named Accounts within HSBC Group @!
Remittance Enquiry / Investigation
Bill Collection (for amount of USD5,000 / equivalent or above per bill)
Instant Telegraphic Transfer between HSBC China and HSBC Hong Kong
(only in respect of the charge on HSBC China side)
Free*
Free* %
Free* $
Free* #$
For initial deposit after account
opening: Free
Thereafter: 50% discount*
* HSBC Premier customers can enjoy the preferential tariff provided that:
(1) Last month’s Total Relationship Balance is not below the Premier Minimum Total Relationship Balance requirement; or
(2) the Premier Monthly Service Fee has been fully paid.
International Premier Customers with HSBC China as the Host Country bank are not subject to the above conditions.
@ This does NOT apply to cross-border CNY remittance via Overseas RMB Saving Account/Overseas RMB Settlement Account.
! This only applies to cross border CNY remittance satisfying regulatory requirement.
# Not applicable to HKD & USD cheques drawn on Hong Kong and collected at HSBC Shenzhen Branch.
^ “Free” means that HSBC China waives the local handling charge which should be charged by HSBC China for the Inward Telegraphic Transfer
paid to HSBC Account.
% “Free” means that HSBC China waives the local handling charge which should be charged by HSBC China for the Online Telegraphic Transfer via
Personal Internet Banking between Self-named Accounts within HSBC Group.
$ Relevant correspondent bank charges or overseas bank charges will not be waived.
& Premier customer is eligible for this service only when the Total Relationship Balance under the same account number in the last month satisfies
the Premier Minimum Total Relationship Balance requirement.
To qualify for Premier, you need to maintain a Total Relationship
Balance (TRB) as specified in the Tariff of Accounts and
Services for Personal Customers issued by the Bank from
time to time. As at 20th April 2007, the minimum TRB for
Premier in mainland China is RMB500,000 or equivalent.
Your joint account total relationship balance (TRB) will be
included into your sole account TRB when conduct your sole
account TRB’s system calculation. The sole account monthly
service charge is waived if the combined TRB is over
RMB500,000 or equivalent. TRB includes:
- RMB/FCY deposits
- Investment principal amount(s) of Dual Currency Investment(s)
and Structured Investment(s) (Capital Protection at
Maturity / Partial Capital Protection at Maturity)
- Market value of other Product(s) ( including Overseas
Investment Plan)
- Point of time cash value of traditional life insurance
product(s) (including annuity insurance, whole life insurance,
endowment insurance, critical illness insurance and
universal life insurance) as at day end of the third to last
working day of the current month
- Point of time market value of investment account(s) under
investment linked insurance product(s) as at day end of the
third to last working day of the current month
Remarks and notes:
(1)The insurance product(s) as mentioned above will be
included in the Total Relationship Balance calculation of
the current month if the relevant policy effective day is on
or before the third to last working day of the current
month and will start to be included in the Total Relationship
Balance calculation from the next month if the
relevant policy effective day is on or after the second to
last working day of the current month.
(2)The Total Relationship Balance calculation doesn't include
protection insurance product(s) (protection insurance
product(s) refer to term life insurance, credit enhancement
insurance and general insurance such as travel
insurance, accidental insurance and health insurance).
(3)Working day refers to such working day in Mainland China
as determined pursuant to the announcement or provisions
issued by the relevant governmental organization in
Mainland China.
(4)The above mentioned cash value or market value of
insurance product(s) will be provided to the Bank by the
relevant insurance company(ies), and the Bank takes no
liability for the information and data provided by the
relevant insurance company(ies).
If your accounts’ combined monthly average balance falls
below the minimum TRB, a Monthly Service Fee will be
charged.
For the latest information on our service charges, terms and conditions, please visit any Premier Centre or HSBC branch in
mainland China or call our 24 -hour Premier hotline on (86) 400 820 8828 or visit our website www.hsbc.com.cn. You can
also contact your Relationship Manager/Officer for assistance.
14
15

Appendices
To keep the status of HSBC Premier, the Customer needs to
maintain a combined monthly average balance (calculated
on monthly basis) in all Accounts with the Bank equal to or
above Premier minimum total relationship balance as
determined by the Bank from time to time. To the extent not
violating applicable laws and regulations, Premier monthly
service fee will be charged from Premier Customer if the
combined monthly average account balance falls below the
Premier minimum total relationship balance. The Bank may
at its sole discretion to convert the Customer from Premier
to Advance and withdraw all the Premier services and
Features if and when (i) the Customer’s monthly average
account balance (calculated on monthly basis) has been
below the Premier minimum total relationship balance for 12
consecutive months or (ii) the Customer’s monthly average
account balance (calculated on monthly basis) is below the
Premier minimum total relationship balance and no monthly
service fee can be collected for 6 months.
Fund Transfers between Accounts, via PhoneBanking and
Internet Banking.
HSBC has set the following maximum daily transfer /
payment limits per customer (subject to the compliance of
local laws and regulations):
Transaction type
Phonebanking
Transfers between your own accounts (including joint
accounts) 7
Transfers to registered third party accounts 8
Internet banking – HSBC Internet Banking
Transfers between your own accounts with HSBC China
Transfers to any third party accounts 9
Transfers to pre-registered third party accounts 9
Maximum daily limit
RMB166,000 or equivalent (USD20,000 for transfer
between foreign exchange accounts). The daily accumulated
limit is RMB5,000,000 or equivalent, which is
shared with the Internet banking Self-named Accounts
transfer limit within HSBC China.
RMB166,000 or equivalentper pre-register third party
account(Total daily transfer limit for all pre-register
third party accounts should not exceed RMB1,000,000
or equivalent)
RMB5,000,000 or equivalent
RMB50,000 or equivalent
RMB200,000 or equivalent
Global Transfer to Self-Named Accounts
USD 200,000 or equivalent (including all completed
transfers via Global Transfer)
ATM 10
ATM fund transfers in the same card 11
No daily limit
ATM fund transfers outside card 12
RMB50,000
ATM cash withdrawal in mainland China
RMB20,000
ATM cash withdrawal outside mainland China 13
-overseas China UnionPay ATMs
-RMB10,000 or equivalent
-overseas HSBC ATMs
-USD1,000 or equivalent
16
17

Global View
Note7: Pre-registration is required for transfer between joint accounts.
Note8: Please visit any HSBC branch in mainland China to pre-register
third party accounts.
Note9: To effect third party fund transfers through HSBC Internet
Banking, please complete the "Internet Banking Transaction Limit
Change Request Form" at any Premier Center or HSBC branch in
mainland China.
Note10: For fees and charges on ATM transaction and card replacement
fee, please contact any HSBC branch in mainland China, our
HSBC Advance Hotline or visit HSBC Internet Banking.
Note11. The fund transfer service is available only on HSBC China
ATMs, and is limited to:
Between two RMB accounts or two foreign currency accounts in the
same card.
Note12. The fund transfer service is available only on HSBC China
ATMs, and is limited to:
From the RMB account in the card to your other personal RMB
accounts with HSBC China.
From the RMB account in the card to a third-party personal RMB
account with HSBC China.
You can apply for the fund transfer service and set up the daily limit.
Note13. For other limits outside mainland China please visit HSBC
internet Banking at www.hsbc.com.cn
For new and existing customers who wish to raise the
limits, please download the application forms available at
www.hsbc.com.cn or contact any HSBC branch in mainland
China.
To lower limits
If you wish to lower any of the following limits, please log on
to Internet banking:
- Limits on personal internet banking funds transfer to
non-registered third party accounts
- Limits on personal internet banking funds transfer to
pre-registered third party accounts
- Limits on personal internet banking funds transfer between
your own accounts
Automated reset to zero limits
Your transfer limits to non-registered third party accounts
through HSBC Internet Banking will be reset to zero if:
- You have not logged on to the respective channels for 12
months or
- You have not made a non-registered third party payment on
the respective channel for 12 months
If you wish to reactivate the limits, please download the
application forms available at www.hsbc.com.cn or contact
any HSBC branch in mainland China.
You can simply log on to your own personal HSBC Internet
Banking and set up the link:
- You can choose to log on via the Personal Internet
Banking (PIB) service of any HSBC entity where you
hold Premier status
- When you click on the link to Global View for the first time
you will be taken to a new Global View page within the PIB
service you are using. The page will display a demo of the
Global View service and show the account balances for the
PIB profile you are using. You are required to complete a
one-off linking process to link other PIB profiles in order to
view all of your account balances across HSBC entities
worldwide. The linking process requires you to input the
security credentials for the PIB profile you are trying to link.
You can link any PIB profiles for which you have the correct
credentials (The linking process is only required when the
service is registered for the first time. There is no need to
re-establish the link when you log on in the future)
- Linking will be effected in all entity systems involved. For
example, if a mainland China customer links both his / her
mainland China and US profiles (both with Premier status)
via mainland China PIB, when he/she logs on to mainland
China PIB he / she will also be able to view his/her US
profiles in Global View. And when he / she logs on to US
PIB he / she will also be able to view his/her mainland
China profiles in Global View
- You can link profiles for non-Premier relationships as well
as Premier relationships. You will access Global View via a
Premier country PIB and will then see the account
balances for the non- Premier country displayed
- When linking a Personal Internet Banking profile and if that
profile is, for example, locked out, suspended or dormant,
or the PIB service is unavailable, you will see an error
message from that HSBC entity. By accepting this error
message you’ll be returned to Global View
- You will have an option to de-link profiles from the Global
View service
a) Security tips for Internet banking, phonebanking
and ATM Password / PIN / user ID / Security Device
protection
For your own security, it is important that you keep your
password / PIN / user ID confidential. You should also
change your password / PIN regularly.
- Make sure no one sees your password / PIN / user ID
when you use it
- Keep your PIN/password separate from your ATM card at
all times
- When choosing your password / PIN, do not use your
identity card number, telephone number, mobile number,
birth date or commonly used number sequences such as
888888 and 123456, or add 00 to these numbers
- Do not use the same or similar password / PIN / user ID for
different banking or online services
- Change your password / PIN regularly
- Memorise your password / PIN / user ID and never write it
down. Keep it private and do not disclose it to anyone
- Under no circumstances will our Bank or the Bank staff, the
police or any genuine parties ask for your password / PIN
- HSBC will never contact you and ask for your logon details
and personal information for Internet banking, phonebanking
or ATM services. These include your user ID,
password, PIN, account number, identification/ passport
number, address, phone number, etc
- HSBC will never disclose your information in our emails
other than your name for personalisation purposes, nor ask
18
19

you to confirm any personal data by replying to our email*
- When you call us, you may be asked to disclose your
Internet banking user ID or input your phonebanking PIN
for authentication. Do not mention your PIN or Internet
banking password during the call as no call centre representative
will ever ask for this over the phone. If you have
forgotten your PIN, a few questions relating to your
personal information, NOT your passwords or PIN, will be
asked for authentication
- Keep your Security Device in a safe and secure place
- Never personalise your Security Device in a way that
would allow others to specifically associate it with you (i.e.
name, address, etc)
*The only exception is when responding to your enquiry, our
Customer Service Officers may contact you via email when some
personal information is required. In such case, please note that the
email will be sent through and stored in an encrypted form in our
secure Internet banking platform and HSBC Internet Banking and you
are required to log on using your user ID and password to access
such email.
b) Internet Banking - HSBC Internet Banking usage
precautions
- Protect your computer
- Install anti-virus / anti-spyware software in your computer
to protect it from known viruses or spyware The software
should be updated regularly to ensure that you have the
latest protection
- Install a personal firewall on your computer. It is designed
to help prevent hackers from accessing the computer it is
installed on. When installing such software, follow the
manufacturer’s recommendations for a “conservative”
access control
- Download and apply security updates and patches to the
PC/browser whenever they are made available
- Protect yourself
- Never access HSBC Internet Banking from public places or
from shared computers such as those in cyber cafes or
public libraries
- Close all browser windows before you log on to Internet
banking. While you are in an Internet banking session, we
recommend that you do not open other internet browsers
and access other websites. This can help to ensure your
financial information is protected and blocked from
unauthorised access via another website
- Check your last logon date, time and status displayed on
the HSBC Internet Banking Welcome Page. If you suspect
anything suspicious, please contact HSBC immediately
- Use the “Logoff” button to exit. Do not exit by closing the
window
- Never leave an Internet banking session unattended at any time
- Disconnect from the internet when you have finished
using it. Avoid leaving your connection on, especially with
broadband access, unless you’re actively using it
c) Phonebanking - Phonebanking usage precautions
- Do not access phonebanking from phones which are
shared with other users. These phones may log your input,
including account number and PIN, in the memory
- Avoid using phones under special control systems that may
keep the call details, e.g. hotel phone systems will retain
the records for billing purposes
- Be alert – only use phones located in secure and reputable
places especially if you intend to perform phonebanking
transactions
d) ATM
- ATM usage precautions
- Keep your ATM card in a safe place. Report card loss
immediately through your own card issuer or visit any
HSBC branch in mainland China if your issuer is an HSBC
Group member
- Never give your ATM card to anyone
- If you observe any suspicious device (e.g. pin hole
cameras) or activity (e.g. shoulder surfing), contact our
Bank staff during office hours or call our hotline on (8621)
3888 2194
- Cover the keypad while you enter your PIN
- Remember to remove all your belongings, e.g. ATM card,
cash and receipt, if any, before you leave the ATM
- Cancel the transaction if you notice anything suspicious or
if any other problem arises
- Do not accept assistance from strangers. If you encounter
any problems at the ATM, contact the Bank
- Count your cash only in secure surroundings
- If you want to keep a record of the transaction, please save
your receipt and do not leave it at or near the ATM
- ATM card protection
- Do not place your card close to any magnetic material, e.g.
electronic devices, mobile phones, etc
- When you are instructed to take your card from the ATM,
do not push it back into the “Insert Card” slot
e) Debit Card
- Keep your debit card safe. For card loss, theft or embezzlement,
please immediately contact any HSBC branch in
mainland China or call 24 -hour Premier hotline on 800 820
8828 (mainland China); +86 21 3888 8828 (if outside of
mainland China or using a mobile phone) and report to the
police immediately. If you have reported your card lost or
stolen, do NOT use it again if you find it later. Please
inform the Bank first
- Never give or lend your card to anyone else
- Do not place your card close to magnetic materials,
including mobile phones and other electronic devices
- Please keep your debit card and identity documents
separately
20
21

Issued by HSBC Bank (China) Company Limited
www.hsbcpremier.com.cn

1. Definition and Interpretation 2. Services and Accounts
PLEASE NOTE:
Please carefully read the following terms and conditions, particularly those Terms and Conditions in bold.
If you have any queries, please contact the bank staff of HSBC Bank (China) Company Limited.
INDEX
1. Definition and Interpretation..............................................................................................................................03
2. Services and Accounts......................................................................................................................................03
3. Right of Lien and Set-off....................................................................................................................................04
4. HSBC Premier Card / Debit Card / Credit Card (if applicable).............................................................................05
5. HSBC Premier Emergency Services ..................................................................................................................05
6. Tiers and Charges ............................................................................................................................................07
7. Termination of Account; Variation of Terms.......................................................................................................10
8. Overseas HSBC Premier and HSBC Advance Services..................................................................................... 10
9. Miscellaneous General Provisions......................................................................................................................11
Appendix - Definitions........................................................................................................................................15
1.1
Terms and expressions used herein, unless the context
otherwise requires, have the meanings set out in the
Appendix attached hereto.
1.2
Unless the context otherwise requires, any reference in
these Terms and Conditions to:
(a) a "Clause" or "Appendix" shall be construed as a reference
to a clause hereof or an appendix hereto;
(b) these Terms and Conditions or any other agreement or
document shall be construed as a reference to the same
as amended, varied or supplemented from time to time;
(c) a statute shall be construed as a reference to the same
as amended or re-enacted from time to time.
(d) the term “debt” shall be construed to refer to and include
any and all sums payable howsoever arising, including
without limitation, principal, interest, default interest, penalty,
fees (including legal fees), charges, costs, expenses, losses
and damages.
1.3
Headings of clauses herein are for ease of reference only.
2.1
The Customer may, subject to such procedures (including
the supply of such documents) as the Bank and / or the
other relevant HSBC Group members may specify from
time to time, utilise any one or more of the Services or open
any one or more Accounts at any time by issuing an
Instruction in such form as may be acceptable to the Bank
and / or the other relevant HSBC Group members.
2.2
Unless otherwise specified by the Bank, all Services are
provided by, and all Accounts are maintained with, the Bank.
Where any Services or Accounts are to be provided by or
maintained with any third party (including but not limited to
any other member of HSBC Group), the Customer may be
required to accept specific terms and conditions and the
provisions of any mandate(s) applicable thereto as required
by the third party.
2.3
The Bank shall have the right to pay to the Customer any
amount withdrawn from an Account by any one or more of
the following methods at the Bank's sole discretion,
namely:
These Personal Account General Terms and Conditions apply to all Accounts and Services under HSBC Premier / Advance provided by the Bank
and / or other members of the HSBC Group or third parties designated by them, as the Bank and/or such members shall determine from time to
time. Each and all Accounts opened by the Customer with the Bank under HSBC Premier / Advance are also subject to the Bank’s General Terms
and Conditions (for Personal Sole Account, Joint Account and Business Account Holders) as may be updated and revised from time to time. These
Terms and Conditions and the Bank’s General Terms and Conditions (for Personal Sole Account, Joint Account and Business Account Holders) (as
may be updated and revised from time to time) supplement each other and constitute the general terms and conditions applicable to personal
account(s) opened with the Bank. The Bank’s rights under these Terms and Conditions and under the General Terms and Conditions (for Personal
Sole Account, Joint Account and Business Account Holders) are cumulative. Particular types of Accounts and Services provided by the Bank are
subject to specific terms and conditions, copies of such specific terms and conditions are available upon request from any branch of the Bank.
(a) by cash payment in the currency of the Account;
(b) by issuing to the Customer a cheque drawn by the Bank
on any bank payable in the currency of the Account;
(c) by cash payment in RMB, converted (if necessary) from
the relevant foreign currency equivalent at the Bank's
then prevailing buying rate.
2
3

3. Right of Lien and Set-off
4. HSBC Premier Card /
Debit Card / Credit Card (if applicable)
5. HSBC Premier Emergency Services
2.4
Without prejudice to the generality of Clause 6 and Clause 7
hereof, the Bank and any and all other HSBC Group
members reserve the right, at any time and from time to
time with or without notice or cause, to cancel, withdraw,
suspend, vary, change, add to, supplement or otherwise
anyone or more of the Services.
2.5
Where an Account has been inactive for a period of time as
decided by the Bank (please refer to the Bank for the
applicable periods in respect of the different account types),
the Bank may restrict or impose conditions for accessing
the Account.
2.6
The Customer confirms that the Customer is acting as
principal (rather than as agent) in relation to the Services and
all Accounts.
3.1
Without prejudice and in addition to any general lien, right of
set-off or other right by way of security which the Bank and
other members of the HSBC Group may have on any
account whatsoever, the Customer agrees that the Bank
and other members of the HSBC Group may at any time and
without prior notice:
(a) apply (even if such application requires breaking of any
deposit before its maturity date) any monies held in any
currency to the credit of any Account or any other
account (opened or maintained with the Bank or any
other member(s) of HSBC Group) in the name of the
Customer solely or jointly with any other person (the
"said monies") against any indebtedness of any type
whether actual, contingent, present or future and
whether owed by the Customer solely or jointly with any
other person (the "said indebtedness", including any
indebtedness of the Customer the right to which is
assigned to the Bank pursuant to Clause 9.10 hereof);
and / or
(b) refuse to repay when demanded or when the same falls
due any of the said monies to the Customer if and to the
extent that the said indebtedness at the relevant time is
equal to or exceeds the said monies at that time.
4.1
The HSBC Premier Card / Debit Card / Credit Card are the
property of the Bank or other members of the HSBC Group.
The Bank or any other member of the HSBC Group may
suspend or withdraw, at its discretion, the HSBC Premier
Card and / or any of the services thereby offered at any time
without prior notice.
4.2
The loss or theft of the HSBC Premier Card / Debit Card /
Credit Card should be reported to the Bank or the other
relevant members of the HSBC Group immediately and
confirmed in writing as soon as possible. The Bank and
other members of the HSBC Group may debit any Account
with any cost incurred in issuing a replacement HSBC
Premier Card / Debit Card / Credit Card.
5.1
HSBC Premier Emergency Services mean such emergency
services offered to an HSBC Premier Customer from time
to time the services of which are provided by the Bank, any
other member(s) of the HSBC Group and / or MasterCard®
International and its appointed agent / third party service
provider and which may include emergency cash
disbursement.
5.2
(a) Where HSBC Premier Emergency Services are provided
to the Customer, the Customer agrees to be bound by
the terms and conditions upon which the services
provided by MasterCard International under HSBC
Premier Emergency Services are offered and provided.
(b) The Customer agrees to the transfer and disclosure of
any information which the Bank and / or other HSBC
Group members may have from time to time relating to
the Customer, HSBC Premier and the Accounts to
MasterCard International (as the case may be), their
respective agents and third party service providers for
the purposes of providing HSBC Premier Emergency
Services to the Customer.
3.2
The rights of the Bank and other members of the HSBC
Group under Clause 3.1 shall not be affected by the
Customer's death or legal incapacity.
4
5

6. Tiers and Charges
(c) The services provided under HSBC Premier Emergency
Service are supplied by MasterCard International, its
agents and third party service providers appointed by
MasterCard International. Accordingly, neither the Bank
nor any other HSBC Group members shall be liable in
any way for any actions, claims, loss, damage or liability
of whatever nature arising out of any act or omission of
MasterCard International or any of its agents or of such
third party service providers or generally in relation to
HSBC Premier Emergency Services.
5.3
The Bank and other HSBC Group member(s) may agree
(though not obliged) to provide the HSBC Premier Customer
or the HSBC Premier Customer’s designated family
member with cash in such amount as may be approved by
the Bank and other HSBC Group member(s) in their sole
discretion (the Bank will set the maximum amount from
time to time), to help handle emergency situations. The
Customer understands, accepts and agrees:
(a) while the Bank or other HSBC Group member(s) (as the
case may be) would use reasonable care to do identity
verification, the Customer understands that this Service
involves fraud risks, including without limitation, other
person(s) may raise request for this Service in the name
of the Customer, the person(s) taking the cash may not
be the Customer or the Customer’s designated family
member. The Customer understands and agrees that
such fraud risks are borne by the Customer instead of
the Bank or any other HSBC Group member;
(b) the Customer agrees that immediately upon any request
for this Service (even if made out of fraud) being
approved, the Bank or other HSBC Group member(s) (as
the case may be) shall be entitled to freeze the balance
of the Customer’s Account(s) with an amount equal to
the amount of the so approved emergency cash until the
Customer’s full repayment of the same;
(c) the Customer agrees that under this Service, the Bank or
other HSBC Group member(s) (as the case may be) may
arrange the cash to be delivered by a third party (such as
MasterCard International);
(d) the Customer agrees that the emergency cash provided
by the Bank or other HSBC Group member(s) (as the
case may be) under this Service (even if out of fraud)
constitutes debt(s) owed by the Customer to the Bank or
other HSBC Group member(s) (as the case may be), the
Customer undertakes to repay such debt(s) to the Bank
or other HSBC Group member(s) (as the case may be)
and hereby authorizes the Bank and/or other HSBC
Group member(s) to debit the Customer’s Account(s)
with the relevant sum(s). If the Customer’s account
balance(s) is not sufficient to repay such emergency cash
and the Customer fails to effect full repayment within
the time period as may be decided by the Bank or other
HSBC Group member(s) (as the case may be) from time
to time, the Bank or other HSBC Group member(s) (as
the case may be) shall be entitled to seek full repayment
from the Customer and to charge and collect such
interest as the Bank or other HSBC Group member(s) (as
the case may be) may decide in its sole discretion. If the
Bank issues HSBC Premier credit card in the future, then
the Bank shall have the right to account such debt(s) as
part of the Customer’s debt(s) under such credit card and
may effect interest calculation and collection in
accordance with the terms and conditions applicable to
such credit card as the Bank may issue and revise from
time to time in the future;
(e) the Customer agrees that the Bank may impose and
collect service charge (as the Bank may from time to
time decide) on this Service; and
(f) The Customer agrees that the Bank or other HSBC Group
member(s) (as the case may be) may accept
instruction(s) and information made/provided by way of
telephone, the acceptance of such instructions and
information made/provided via telephone by the Bank or
other HSBC Group member(s) (as the case may be) shall
not be deemed as a breach of the account mandate (or
similar documents) signed by the Customer.
6.1
The Bank may allocate (but without any obligations to do so)
a Tier to a Customer either at the request of the Customer
or at the Bank’s sole discretion. The Bank may at any time
and from time to time vary or withdraw the Tier either at the
request of the Customer or at the Bank’s sole discretion.
The allocation or withdrawal of a Tier to or from a Customer
or the variation of a Tier so allocated, whether at the request
of a Customer or at the Bank’s sole discretion, will be made
by reference to pre-designated criteria, subject always to the
final decision of the Bank. These criteria are subject to
changes at the Bank’s decision. The most updated criteria
and other details concerning the Tiers are available from the
Bank upon request.
6.2
The Features which may be made available, and the fees
and charges which may be imposed, by the Bank may vary
by reference to the Tier and, within the same Tier, may vary
by reference to whether the Customer continues to satisfy
the prevailing criteria for that Tier. The Bank is also entitled
to vary the Features within each Tier at any time and from
time to time.
6
7

6.3
Each Tier may have a set of criteria and / or conditions that
the Customer has to fulfill so as to maintain in that Tier and /
or to enjoy the Features in that Tier. Each Feature may also
have certain terms and conditions governing the Customer’s
use and enjoyment of that Feature. Without prejudice to
Clauses 6.1 and 6.2, following an allocation or variation of a
Tier, it shall be the Customer’s sole responsibility to ensure
that all the prevailing criteria for maintaining that Tier and/or
the terms and conditions for enjoying the Features in that
Tier are fully satisfied and/or observed. The fulfillment of all
prevailing criteria in respect of a Tier, or the failure to do so,
by a Customer, however, will not in any way affect or
prejudice the Bank’s overriding right in allocating, varying or
withdrawing a Tier.
6.4
Whether the Bank exercises its discretion to allocate, vary
or withdraw a Tier, it will notify the Customer of the same
using such means as it shall deem reasonable. All the
Features that the Customer enjoys will automatically be
granted, terminated or otherwise adjusted unless the Bank
shall at its sole discretion decide otherwise and the Bank is
not obliged to provide any further notice in connection
therewith.
6.5
Following a variation of the Tier allocated to a Customer, the
applicable provisions of these Terms and Conditions and
other terms and conditions governing the use of any
Features terminated as a result of the variation of the Tier
shall continue to bind the Customer until all obligations and
liabilities owing by the Customer to the Bank with respect
to such Features have been fully repaid and satisfied. All
applicable provisions of these Terms and Conditions and
other terms and conditions governing the use of any new or
additional Features that the Customer shall enjoy as a result
of the variation of the Tier shall immediately become
binding on the Customer.
6.6
The Bank cannot be held liable or responsible for any loss
incurred by or inconvenience to a Customer as a result of any
allocation or withdrawal of a Tier to or from a Customer or any
variation of the Tier so allocated and this shall include, without
limitation, any loss incurred by or inconvenience to a Customer
as a result of any granting, termination or adjustment of any
Features in connection therewith.
6.7
Any card or identification issued by the Bank to a Customer
to reflect the Tier allocated to the Customer (if applicable) is
to facilitate identification of the Customer’s Tier only. The
Bank’s records shall be conclusive as to the Tier allocated to
the Customer at any time except for manifest error.
6.9
To keep the status of HSBC Premier, the Customer needs
to maintain a combined monthly average balance (calculated
on monthly basis) in all Accounts with the Bank equal to or
above Premier minimum total relationship balance as
determined by the Bank from time to time. The Bank may at
its sole discretion to convert the Customer from Premier to
Advance and withdraw all the Premier services and
Features if and when (i) the Customer’s monthly average
account balance (calculated on monthly basis) has been
below the Premier minimum total relationship balance for
12 consecutive months or (ii) the Customer’s monthly
average account balance (calculated on monthly basis) is
below the Premier minimum total relationship balance and
no monthly service fee can be collected for 6 months.
6.10
To the extent not violating applicable laws and regulations,
Premier monthly service fee will be charged from Premier
Customer if the combined monthly average account balance
falls below the Premier minimum total relationship balance,
Advance monthly service fee will be charged from Advance
Customer if the combined monthly average account balance
falls below the Advance minimum total relationship balance.
Premier minimum total relationship balance, Advance
minimum total relationship balance, tariff of accounts and
services are subject to the Tariff of Accounts and Services
for Personal Customers issued, revised and updated by the
Bank from time to time.
6.12
To the extent not violating applicable laws and regulations,
the Bank may impose service fees, facility fees and/or other
charges (including without limitation deposit charges on the
credit balances in any Account) from time to time as the
Bank at its sole discretion thinks fit. If the balance available
in the customer's current account is insufficient to pay for
the monthly service fee, the uncollected part will be
accumulated and the Bank has the right and may directly
debit and collect any and all accumulated and uncollected
monthly service fee(s) from the customer's current account
without notice in the future.
6.13
Notwithstanding the provisions under Clause 6.12, the Bank
reserves the right to, at any time and without notice, debit
any one or more account(s) of the Customer maintained
with the Bank for the purposes of settling service fees,
facility fees and/or other charges, irrespective of whether
there are sufficient available funds, overdraft or credit
facilities in the said account(s) and any overdraft or debit
balances resulting therefrom will be subject to the
applicable prevailing interest rates and fees.
6.14
The Bank reserves the right to suspend any one or more
account(s) and/or service(s) if the Customer fails to settle
any fee(s) and/or charge(s) payable to the Bank.
8
6.8
The withdrawal of a Tier shall not in itself affect the use or
operation of the Account(s) unless the Bank shall specify
otherwise.
6.11
The Bank reserves the right to close any Account with a
zero balance for 2 consecutive months.
9

7. Termination of Account; Variation of Terms 8. Overseas HSBC Premier
and HSBC Advance Services
9. Miscellaneous General Provisions
10
7.1
The Bank may terminate any Account with prior notice (save
under exceptional circumstances where termination may be
made without notice) and with or without cause. The
Customer may retain any one or more of the other Accounts
which shall continue to be governed by these Terms and
Conditions.
7.2
These Terms and Conditions may, at the Bank's sole
discretion, be changed from time to time upon giving the
Customer prior notice by way of display in the Bank's
premises or by such other method as the Bank may decide.
If the Customer does not close all Accounts prior to the
expiry of the notice period, the Customer shall be deemed
to have agreed to such change.
8.1
The Features that the Customer can enjoy under HSBC
Premier or HSBC Advance may include accounts, services,
rewards, benefits, privileges and the likes offered not only by
the Bank but also by other members of the HSBC Group,
which may or may not be banking-related and which may be
provided directly by the Bank and such other members of
the HSBC Group or third parties designated by them, as the
Bank and / or such members shall determine from time to
time. Features, as used in this Clause 8, shall for all
purposes include these accounts, services, rewards,
benefits, privileges and the likes offered by such other
members of the HSBC Group.
8.2
To facilitate the Bank and other members of the HSBC Group in
considering whether or not the Customer is entitled to enjoy
certain Features offered by them under HSBC Premier or HSBC
Advance and to enable the Bank and these members of the
HSBC Group in providing such Features to the Customer where
the Customer is eligible to enjoy these Features, the Customer
fully authorises the Bank and these HSBC members to share all
information relating to the Customer and his accounts,
including, without limitation, personal information of the
Customer or that of any other person provided by the
Customer. The Customer further authorises the Bank and all
members of the HSBC Group to use, store, process, disclose
and transfer (whether within or outside the jurisdiction
concerned and whether within or outside the HSBC Group) all
information relating to the Customer as they shall consider
necessary in connection with their provision of these Features,
including, without limitation, information relating to the debts
owed by the Customer to the Bank and / or any other
member(s) of the HSBC Group.
8.3
The Features offered to the Customer by other members of
the HSBC Group are at all times subject to the Customer
being allocated with and retaining the Tier of HSBC Premier
or HSBC Advance with the Bank (or another member of the
HSBC Group, if applicable) unless the Bank or another
member of the HSBC Group shall determine otherwise.
Each of these Features may also be subject to certain terms
and conditions stipulated by the Bank and / or the relevant
member(s) of the HSBC Group and the Customer agrees to
be bound by the same.
8.4
Where a service offered by a member of the HSBC Group
including the Bank includes the offering of any banking or
credit facilities, the Customer understands and agrees that
any default by him in respect of one or more of such
facilities may result in any or all of these members
withdrawing, suspending, cancelling, terminating or varying
any or all services offered by them. This may also result in
the Customer having to, among other things, pay higher
interest rates, fees, charges and costs and no member of
the HSBC Group can under any circumstances be held liable
or responsible for such increases in interests, fees, charges,
costs and expenses incurred by the Customer or any other
obligations and liabilities (whether new or added) that the
Customer is therefore subject to.
9.1
Collecting Agent. The Bank may, for and on behalf of itself,
or for and on behalf of other HSBC Group members,
employ third parties and / or appoint any other member(s) of
HSBC Group (with such other member(s) of HSBC Group
also entitled to employ third parties) to collect any
outstanding or overdue amounts owed by the Customer to
the Bank and / or any other members of the HSBC Group.
The Customer shall keep the Bank and such other
member(s) of HSBC Group indemnified for costs (including
legal fees) and expenses incurred in recovering such
outstanding or overdue amount.
9.2
Tape Recording. In the course of providing the Services, the
Bank (or its agent) may (but shall not be obliged to) record
verbal instructions received from the Customer and / or any
verbal communication between the Customer and the Bank
(or its agent) in relation to such Services. The Bank reserves
the right to destroy these recording after such period of
time as it considers prudent.
9.3
Microfilming / Scanning. The Bank may destroy any
documents relating to any Account, HSBC Premier, HSBC
Advance or any of the Services after microfilming / scanning
the same and destroy any microfilm / scanned records after
such period of time as it considers prudent.
11

9.4
Communication and Change of Customer’s Particulars. The
Customer warrants that all particulars given to the Bank are,
to the best of the Customer’s knowledge, accurate and
acknowledges that the Bank may make use of any such
particulars recorded with the Bank (including without
limitation address, telephone number, email address and fax
number) (collectively “Contact Details”) as a means of
communication with the Customer (whether through
letters, telephone calls, SMS, fax, email or otherwise). The
Customer undertakes to notify the Bank (in such manner as
may be prescribed or accepted by the Bank from time to
time) of any change of the Contact Details. These Terms
and Conditions and any communications delivered
personally, sent by post, facsimile transmission, telex or
email shall be deemed to have been received by the
Customer (where delivered personally) at the time of
personal delivery or on leaving it at the address last notified
in writing by the Customer to the Bank, (where sent by
post) 48 hours after posting if such address is in Mainland
China and seven days after posting if such address is
outside Mainland China, or (where sent by facsimile
transmission, telex or email) immediately after transmitting
to the facsimile or telex number or email address last
notified in writing by the Customer to the Bank. Where the
said Terms and Conditions and communications are made
available in the Personal Internet banking profile of the
Customer maintained with the Bank, they shall be deemed
to have been received by the Customer once they are made
available therein. Communications sent by the Customer to
the Bank shall be treated as delivered to the Bank on the
day of actual receipt.
9.5
Banks By-laws and Practices. HSBC Premier, HSBC
Advance, all Services and Accounts, the interest thereon,
service charges and other matters relating thereto, shall be
governed, in addition to these Terms and Conditions, by the
Bank's by-laws, regulations and practices, brought to the
attention of the Customer by display, advertisement or
otherwise, as the foregoing are in effect from time to time.
9.6
Waivers and Remedies. No failure or delay by the Bank or
other members of the HSBC Group in exercising any right,
power or privilege hereunder shall operate as a waiver
thereof, nor shall any single or partial exercise preclude any
other or further exercise thereof or the exercise of any other
right, power of privilege. Any remedies provided to the Bank
and other members of the HSBC Group herein are not
intended to be exclusive of any other remedy and each and
every remedy shall be cumulative and in addition to every
other remedy given hereunder or now or hereafter existing
at law or in equity, by statute or otherwise.
9.7
Partial Invalidity. If any provision hereof shall be declared or
adjudged to be illegal, invalid or unenforceable under any
applicable law, such illegality, invalidity or unenforceability
shall not affect any of the other provisions hereof, which
shall remain in full force, validity and effect.
9.8
Failure Beyond Bank’s Reasonable Control. The Bank shall
not be liable for any failure or delay to provide any Service or
to meet any obligation hereunder due (directly or indirectly)
to any causes beyond its reasonable control.
9.9
Appointment of Agent. The Bank may appoint any agent,
service provider or sub-contractor to perform any of its
obligations hereunder.
9.10
Assignment of Bank. The Bank may at any time assign or
transfer any or all of its rights and obligations hereunder
(including without limitation, any right(s) of the Bank in
connection with any indebtedness owed from the Customer
to the Bank) to any person (including without limitation, any
other member(s) of HSBC Group) without the Customer's
agreement. The Customer further agrees that any other
HSBC Group member may at any time and from time to
time assign the whole or any part of any debt owed by the
Customer to such HSBC Group member in favour of the
Bank, and the Bank may accept any such assignment from
any other member(s) of HSBC Group. The Bank may
exercise its right of set-off under Clause 3 hereof in respect
of such debt assigned to it. To the extent permitted by all
relevant laws and regulations, the Customer waives all
rights he may have in relation to any assignment of the
debts and the Bank’s rights to exercise its right of set-off
against such assigned debts.
9.11
Loss of Seal etc. In the event of loss of the identity
document, seal or chop used for giving Instructions to the
Bank in respect of or the use of the Services, the Customer
must immediately notify the Bank in writing. The Bank will
not be responsible for any payment made prior to receiving
such written notice.
12
13

Appendix - Definitions
9.12
Tax Liabilities. If the Customer is required by any applicable
laws or regulations (including the laws and regulations in the
jurisdiction in which the Customer enjoys a Service provided
by a member of the HSBC Group) to make any deduction or
withholding from any sum payable by the Customer,
whether to the Bank or any member of the HSBC Group,
then the liability in respect of that deduction or withholding
shall be the liability of the Customer such that after the
making of such deduction or withholding the net payment
shall be equal to the amount which the Bank or such other
member of the HSBC Group would have received had no
such deduction or withholding been made. It shall be the
sole responsibility of the Customer to effect payment of
such deduction or withholding to the relevant authority
within the applicable time limit and the Customer shall
indemnify the Bank and other members of the HSBC Group
for all consequences of the Customer's failure to do so.
9.13
Governing Law. These Terms and Conditions shall be
governed by and construed in accordance with the laws of
the People's Republic of China.
9.14
Prevailing Version. In case of discrepancies between the
English and Chinese versions, the Chinese version shall
prevail.
“Account” means each of the savings account, settlement
account, and any other accounts opened or to be opened by
the Customer.
“Bank” means HSBC Bank (China) Company Limited,
including its successors and assigns.
“Customer” means the person who is the holder of an
Account and to whom the Bank has made Services
available. Where there is more than one such person,
references to the "Customer" shall be construed, as the
context requires, to any, all or each of them.
“Features” means the services, rewards, benefits,
privileges and the likes that a Customer is able to enjoy
under and / or in connection with a Tier.
“HSBC Group” or “Group” means HSBC Holdings plc and
its subsidiaries and associates and any of their branches.
“HSBC Advance” is one of the Tiers made available by the
Bank to eligible customers.
“Instruction(s)” means each and any instruction given in
writing, by fax, by telex, by telephone, via the automated
teller machines, by or via any other electronic means or
mediums and / or by any other means or mediums as may
be acceptable to the Bank or other members of the HSBC
Group from time to time.
“Personal Data” means personal information of the
Customer or that of any other person provided by the
Customer.
“Services” means anyone or more of the services, rewards,
benefits, privileges and the likes made available to the
Customer at any time and from time to time including
without limitation Account services.
“Tier” means a tier designated by the Bank and allocated to
a Customer which allows the Customer to enjoy certain
Features.
“HSBC Premier” is one of the Tiers made available by the
Bank to eligible customers.
14
15