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Personal customers

Rates as of 1st april 2014

General conditions for the main transactions for retail customers

The prices, rates and information in this leaflet


cover the main services which are available on
request.
All prices include VAT and are correct as of the
date on the front of this booklet.

The price list and interest list may change from


time to time.
Any changes not included in the general
terms and conditions of your current account
agreement will be available in your HSBC
branch or via direct banking channels.

Contents
Standard tariff rates 5
Opening and managing your account
6
Direct banking 7
Payments 8
Packages Conventions
10
Operating incidents
11
Overdrafts and loans

12
Saving and Investments
14
Insurance and protection
16
International account
17
Services no longer on sale
18
Resolve a commercial dispute
19

Standard tariff rates


Please find below the tariff rates except for packages, discounts or specific offers.

Service list Price in euros

Price in euros

Access to your accounts online


(Ma banque en ligne)

free

Product offers or stock market information sent by text message


(HSBC Alertes)

2.10 per month, allowing to receive 6 alerts a month


25.20 per year

International debit card with immediate debit


(Visa Classic card)

38 per year

International debit card with deferred debit


(Visa Classic card)

47 per year

Withdrawal card with automatic account-balance checking


(Visa Electron card)

31 per year

Withdrawal in euros in another banks ATMs in the Euro zone


with an international debit card

free

External occasional SEPA transfer in the Euro zone

in branch, by transfer 4
Internet free

Charge of direct debit authorization

set up of direct debit authorisation free


per debit free

Handling charges

8 per transaction, with a limit per month of 80

Fees charged by your bank to manage your account


(Account management fee)

24 per year

Banking loss or theft insurance


(HSBC Volassur)

24 per year

Opening and management


of your account
Opening, processing, closing

Services in branches

Opening / closing of current account ....................................................

free

Charge for sending card or cheque book (excluding postage costs)

HSBC Easy, quick and simple account transfer service ......................

free

Cash withdrawals from account holding branch without issuing

Account transfer to another French HSBC Branch .............................

free

cheque ......................................................................................................................

List of transactions operated by the bank ..........................................

free

Cash withdrawals by cheque at all French

....

HSBC branches (up to 450 per rolling seven-dayperiod) .................................

Account statement

Charge for searching documents(2) .................................

Monthly statement or e-statement(1) .....................................................


Biweekly .............................................................................................
Daily ......................................................................................................

free

per month
per month

free
free

10 to 25

Inheritance
Inheritance application charge .............................................

28

0.60 % of assets
min. 150
max. 750

Annual management charge + recovery of costs

Account fee
Account fee ......................................................................................

from

2.75

per quarter

(correspondence, postage) .......................................................................................

40

Safe
Annualy charge
- Up to 20 dm3

.........................................................................................................

105

- From 21 to 100 dm3 ...........................................................................................

180

- From 101 to 300 dm3 .........................................................................................

330

- Over 301 dm3 .........................................................................................................

650

- Non-standard ..............................................................................................

please contact us

Security deposit

- Up to 100 dm3 ........................................................................................................

300

- Over 101 dm3

500

........................................................................................................

Direct Banking
Access and management of your account online or over
the phone(1)
Online banking on www.hsbc.fr(3) .........................................................

free

HSBC Mobile : on iPhone & Android App stores(3) ...........................

free

Telephone banking: HSBC Customer Relationship Centre


at 0 810 2 4 6 8 10(3) .....................................................................................

free

Alert services: HSBC Alertes


(banking or stock market information sent by email or text)

Monthly charge for 6 SMS or e-mails ....................................

per month

2.10

Monthly charge for 25 SMS or e-mails .................................

per month

5.10

Beyond subscription(4).....................................................................

per SMS

0.40

per e-mail

0.20

Payments
Bank cards

Transactions in the euro zone

50 % discount for additional card on the same account where the card is of
identical or lower category

Cash withdrawals
- From HSBC ATMs(5)(6) .................................................................................

free

Annualy charge

- From another banks ATMs .....................................................................

free

Visa Infinite Card

............................................................................................

310

Visa Premier Card ...........................................................................................

132

network branches ................................................................

Gold MasterCard..............................................................................................

132

Payments ............................................................................................................

Visa Classic card


- Deferred debit.................................................................................................

47

- Immediate debit ............................................................................................

38

Visa Electron Card ..........................................................................................

31

Visa Plus card (withdrawal card) .......................................................................

22

Moneo integrated into debit card ................................................................

free

Other transactions
per year

9
9

Cancellation of cards......................................................................................

free

5
free

Cash withdrawals
- From HSBC ATMs(5)(6) .................................................................................

free

- From another banks ATMs ..........................................

3.05

per withdrawal

+ 2.90 %(7)
- At any counter of Visa or MasterCard
per withdrawal

12.50

Re-issuing PIN code ......................................................................................

per withdrawal

Transactions outside of the euro zone

network branches ................................................................

Issuing of new card ............................................................................


Change of visual ...................................................................................

- At any counter of Visa or MasterCard

+ 2.90 %(7)
Payments outside of the euro zone ...............................................

2.90 % (7)

Transfers

Other fees
Foreign exchange.............................................................................................

SEPA transfers
Transfer in euros to / from a EEA country (28 Member States + Iceland, Liechtenstein, Norway),
Switzerland and Monaco. Only option available: Share

One-time transfer
- On HSBC secured Internet/Mobile Banking(8) (Internet or Mobile) ....

free

- External transfer ordered through your branch ................

per transfer

Recurring transfers
- External transfer ordered online.............................................................
- External transfer ordered through your branch .....

Correspondent fees ....................................................................................... 20


Not provided or incorrect informations ....................

additional charge

15

Direct debit authorisation


Automatic transfer set up ...........................................................................

free

Cancellation of direct debit authorisation ............................................

free

Payment of interbank title of payment ( TIP) ....................................

free

free

per transfer

1.10

International transfers

Transfers within EEA countries in all currency denominations (except euros) without any restriction
on the amount to an EEA country. Only option available: Share. Any other transfer, irrespective
of the amount and currency. Options available: Share, Ben, Our

Receiving an international transfer..............................................................

free

25 (9)

Cheques(11)
Cheque-book .....................................................................................................

free

Bank cheque issue charge ..........................................................................

11

Charge for cheque(s) to be stopped by issuer .................................. 12.50


Cheque returned unpaid (except rubber cheque) ...........................

16

Sending an international transfer on Internet


- On My Global Transfer(8)(10) .......................................................
- On HSBC secured Internet Banking

(8)

(Internet or mobile) .....

per transfer

5 (9)

12.50 (9)

- Sending an international transfer through


your branch .................................................................................

0.10 % of the transaction


min. 25(9)(10)

Packages - Conventions
HSBC Hexagone

HSBC Passeport

The package to make day to day banking easier:

International services

Debit card

25 % discount on support services for account opening


abroad within the HSBC Group and provision of bank card and
chequebook(14)
International transfer online on www.hsbc.fr

Visa Classic, Visa Premier, Gold MasterCard or Visa Infinite cards


Services Included
No account monthly fees

Free international transfers(15)

No SEPA transfer charges


Free cash withdrawals in France and EEA countries from all ATMs
Free issuing of new card

Free cash withdrawals from any HSBC ATMs(5)(6)


Opening of interest bearing account in foreign currency
Legal assistance abroad(16)

Free order of new PIN code

Access to internet website dedicated to expatriates

No charge for sending card or cheque book (excluding postage costs)

Monthly charge

No charge for stopping cheques

HSBC Passeport bought separately ...................................................... 18.50

Overdraft facility: up to 3,000 / month

(12)

HSBC Passeport in addition to HSBC Hexagone ............................ 13.85

Exemption from bank charges: up to 12/quarter


Insurance against loss / theft of cards or cheques: HSBC Volassur

(13)

Remote banking services

Alternative Banking Tools(17) (ABT)

HSBC Alertes - 25 alerts/month (SMS ou e-mail)

Debit card

Monthly charge:

Visa Electron card

Individual
Visa Classic card .........................................................

Joint

........................................................................................................

Services Included .........................................................................................

8.10

10.35

Visa Premier / Gold MasterCard cards ............ 14.45

20.55

Free HSBC Alertes services 6 alerts/month (SMS or e-mail)

Visa Infinite card .........................................................

41.85

Free account monthly fees

28.65

These special conditions are reserved only for students up to 28 years of age :
- HSBC Hexagone : enjoy a 50 % discount on your monthly Visa Classic card charge
- HSBC Passeport : free, on demand.
Supplementary advantages are reserved for students from our partner schools : please
contact your local branch for further information.

10

Free Domestic payment transactions & direct debit

Free handling charges

free
free

Operating incidents
Handling charges

Payment incidents

Following an incident on your account requiring specific handling

Letter informing customers about unauthorised overdraft ........

Fees charged by the bank due to an irregular operation on your account


(insufficient funds, incorrect account details, unauthorised payment...)

20

Cheques incidents

Per transaction, (up to 10 transactions per month) .........................................

Cost of information letter prior to cheque being rejected


due to insufficient fund(18)

Specific transactions

- Cheque 50 ...............................................................................................

30

Report to Banque de France

- Cheque > 50 ..............................................................................................

50

- Due to card cancellation following payment incidents .........................

30

Cost of information letter prior to cheque being rejected

- Due to issued cheque during restricted ........................................................

20

due to insufficient funds(19) .........................................................................

Management of banking restriction from another bank ........................

30

Cards incidents

Fiscal seizure charge ...................................................................................................

100

Charge for blocking card by bank for improper use ..................................

Garnishment charge ....................................................................................................

100

Direct debit (regular automatic bank payment) incidents

Administrative seizure ..........................................................................................

max.

100

up to 10 %
of amount blocked

Charge per unpaid direct debit(18) ..........................

amount of debit, max.

13
36
20

11

Overdrafts and loans


(20)

Overdraft facility and/or overdrafts(20)

Consumer loans

Authorised overdraft

Personal(22)(25) and student loans

Annual nominal rate(21)(22) ....................................................... BR(23) + 2.80 to 8 %

The effective annual rate is indicated on the preliminary loan offer or conventional loan
statement.
Interest rates are set based on market conditions.

Application fee ..........................................................................

Arrangement fees for personal loans 75,000 ...........................

The Effective Annual Rate is indicated on the preliminary offer or statement.

per offer

25

Overdraft facility provided under a HSBC package convention(12)


Annual nominal rate ................................................................

BR + 7 to 9.50 %

Unauthorised overdraft
Annual nominal rate(21) ............................................................

BR + 9.50 %

Other fees
Charge on highest overdraft(21) ..........................................

per month

0.05 %

Minimum flat-rate charge (for overdrafts < 400 euros based


on daily average between two cut-offs)(24) ........................................

12

per month

5
15

or per quarter

1%

55
max. 120
min.

Arrangement fees for personal loans > 75,000................

max.

300

Student loan arrangement fees ...............................................................

43

Change in payment schedule requested by the customer ........

15

Notice of default ..............................................................................................

80

Annual information letter on guarantees ..... per guarantee commitment 20

Loans

Issue of guarantees

Mortgages

Tax, rent, etc

The effective rate is indicated on the preliminary mortgage offer. Interest rates are set based on
market conditions.

Application charge based on borrowed funds

1%
300
max. 1,000
Additional fees if funds released in several instalments(26) ......... 185
(26)

..............................

min.

Charge for drawing up a deed ......................................... from 45 to 110


Addendum

.........................................................................................................

Annual risk fee (calculated based on amount of guarantee

and received quarterly in advance) ..................................................

45

from 1.20 to
min.

2%
30

Mortgage fees
Reminder letter in the event of unpaid mortgage instalments.
80
Issuing an amendment to loan agreement
or amended offer ................................................................. 1 % of outstanding capital
min. 500
max. 1,000
Statement of repayment schedule ........................................................
Flexible repayment request .......................................................................
Re-issuing repayment schedule ..............................................................
Mortgage guarantee release certificate ...............................................
Annual information letter on guarantees ....... per guarantee commitment

50
25
30
15
20

Buying a home in France offer


Support for our English-speaking customers property projects in
France and quotation available in English.....................................................
1%

max. 2,000

13

Savings and investments


Savings

Order placed in branch


- Up to 1,000 ................................................................................

Services
Charge for transferring a PEL or CEL savings account
to another institution .....................................................................................

per order

15

- Over 1,000 ............................................................. 1.50 % of amount of the order


55

Deferred settlement service(32) ................................................................. optional


- Charge prorated (calculated on carrying day) ................................................ 0.022 %

Elyses Patrimoine Statements(27)

- Extension ......................................................................................................... 0.299 %

Document summarising assets and loans held

Personal(28) or family(29) statement


- Monthly .............................................................................................................
- Quarterly ...........................................................................................................
- Half-yearly ........................................................................................................
- Annually ............................................................................................................

min.

5
9
13
22

Unlimited access to Euronext(31)


with real-time streaming ..............................................................

10

per month

Other euro zone markets(33)


Excluding France, Belgium, Netherlands. For other markets, please contact us.

Investments
Stock market orders

The prices below exclude the French Financial Transaction Tax, due at the current rate
of 0.2 %(30)

Euronext market(31)
Order placed online or through the customer relationship centre.
2 formulas based on the order amount:
Orders up to 2,350

Orders over 2,350

HSBC Invest Package

HSBC Invest Expert Package


Order up to

1,500

9.60

per order

6,000

Order over

0.64 %

Order over

Order up to

1,500

14

of amount
of order

6,000

15

per order

0.25 %

of amount
of order

Orders placed in branch or via the Customer Relationship Centres


Securities Desk (excluding foreign brokerage fees) ...........................
1.50 % (34)


min. 85

Custodian fees

Custodian fees are received on a half-yearly basis and calculated in view of the securities held
in the portfolio at 30th June and 31st December each year.

Custodian fees on HSBC Group UCITS

free

...........................................

Custodian fees on other values, depending on the number of


executed orders on the Euronext(31) Market during the semester:

Amount of portfolio Proportional

based on total value


of billable lines only

Up to
Over

100,000
100,000

charge per level

0.12 %
0.08 %

Set charge
per line

Minimum
Charge

2.5

(35)

Securities transactions .................................................

15

Share-based savings scheme management charge


Payment of coupons:

free

12.80

free

- Foreign securities, Euroclear deposit ISIN(31) ..................................

free

- Foreign securities, foreign deposit ISIN ............................................

3%

Charge for external UCITS ..............................................

30

per transaction

Transfer of securities to another institution


- Deposit: France, Belgium, Netherlands ....................................

per transaction

free

(excluding custodian fees) ........................................................................................

- Euronext securities(31) .................................................................................

More than
15 orders

Up to 15 orders

Other securities transactions


- Deposit: foreign ....................................................................................

per line

(36)

min.

40

per line

50

Transfer of share-based savings scheme


to another institution(37) .................................................................................

60

Securities unquoted actions in share-based savings scheme ..

150

HSBCs third party provider receives a commission for the sale of the HSBC France UCITS
range (refund on management fee valued on net asset)
Equities : 0.60 % to 1.48 %
Bonds or other debt securities: 0.33 % to 0.94 %
Diversified : 0.55 % to 1.40 % Money market : 0.05 % to 0.50 %
In accordance with Article 314-76 of the AMFs general regulations, HSBC France may be
contacted should investors require any further information.
These rates are likely to change in view of changes in the markets and UCITS.

Portfolio statement(27)
Annual statement ...........................................................................................

free

Monthly, quarterly or half-yearly statement .......................................

10

French wealth tax statement ....................................................................

25

Statement on request ...................................................................................

30
15

Insurance and protection(38)


Personal protection
HSBC Capital Prvoyance(39)
Death insurance all causes .............................................

please contact us

Protection of your belongings


HSBC Volassur(13)
Insurance against loss / theft of banking tools .................................

24

HSBC Garantie Habitation(40)


Home Insurance .............................................................................

16

please contact us

International account
Foreign exchange

Cheques(43)

A foreign currency commission, calculated per level, applies for any


transaction requiring the buying or selling of currencies

Collection charge ......................................................

Foreign exchange commission (cash or forward)

Payment charge ........................................................ 0.15 % of the transaction


min. 35

(excluding transfers).

- Up to 75,000 ............................................................................

0.05 %

- 75,001 150,000 ...............................................................

0.025 %

- Over 150,000 ............................................................................

0.0125 %
min.

16.50

Manual exchange
Issuing and buying back bank notes ........................

per transaction

5.40

Postage costs(44)

0.12 % of the transaction


min. 16
max. 100

.............................................................................................

Transfer charge .....................................................................................

25

per swift

Cheque returned unpaid ..............................................................................

31

Bank cheque issue


- Processing charge .......................................................................................

16

- Transfer charge ..................................................................................

18

per swift

Operations from HSBC


HSBC emergency encashment
Assistance service abroad for an HSBC France customer(41).....

15

Assistance service in France for a foreign customer


flat-rate ........................................................................ varying depending on the country
Account opening
Support for setting up a bank account overseas and provision
of banking tools(42) ...........................................................................................

140

17

Services no longer on sale


Packages - Conventions

Consumer loans

Monthly charge

Libertel credit option on debit card

Convention HSBC Patrimoine individual / joint

Annual Visa Libertel bank card charge ..................................................

Visa Infinite card ..................................................................

31.60 / 43.60

Annual nominal rate (excluding optional insurance) .........

Visa Premier / GoldMasterCard cards .......................

16.95 / 23.95

Annual management charge(45) .................................................................

Visa Premier / GoldMasterCard cards .......................

15.10 / 21.15

Visa Classic card ....................................................................

8.40 / 11.50

Protection

free

BR + 3.50 to 6.50 %
29

Convention HSBC Dynamique individual / joint


Health insurance ............................................................................

please contact us

Convention HSBC Avenir ............................................................................ 3.80

HSBC Famille Prvoyance(14)

Quarterly charge

Accidental death insurance associated with current account


and savings accounts ....................................................................................

Passeport Avenir ............................................................................


Convention Elyses 2 individual / joint......................

8.75

26.50 / 31.50

Convention HSBC Premier 2 individual / joint ..................

33 / 41

Half-yearly charge

26

HSBC Garantie des Accidents de la Vie (GAV) insurance(13)


- Individual ...........................................................................

105 or 128 (46)

- Family .................................................................................

190 or 236 (46)

Convention Premire Avenue ................................................................... 16.50


Annualy charge
Convention Elyses 1 ...................................................................................

77

Convention HSBC Premier ......................................................................... 97

18

Elyses Rmunration (automatic savings service) ....................

per year

Annual management charge, Plan Elyses Bourse .......................

10

15

Home CCTV surveillance, Elyses Surveillance

Bank card
Separate Moneo card ....................................................................................

Other services

monthly charge for apartment / house ...........


12

per month

29.50 / 37

Resolve a commercial dispute


The quality of HSBC service:
always available to you
HSBC is very committed to the quality of service.
To help us to continually improve our service, do not hesitate to
contact your Relationship Manager.
Your Relationship Manager is the cornerstone of your relationship with
HSBC.
Alternatively, you can contact our Customer Relationship Quality
Department, which can answer your questions.

Direction Relations Clients


103, avenue des Champs-Elyses - 75419 Paris Cedex 08)
(47)

www.hsbc.fr, section Contactez HSBC, choose


Rclamation in Motif du contact.
In last resort, you can contact the mediator of HSBC,
whose address and phone number appear on your bank statement.
He will intervene to facilitate the resolution of the dispute and find the
most adequate solution.

19

We would like to remind you that in accordance with current French regulations, individuals who are French tax residents, are required to declare, on their
personal income tax return, the accounts opened, used or closed abroad as well as all accrued income. Furthermore, upon receipt of securities income
through these accounts, individuals must pay social security contributions and, if necessary, an advance income tax payment.
Additionally, French tax resident individuals are required to declare, on their income tax return, life insurance contracts purchased with insurance institutions
established outside France and, if applicable, all accrued income. Moreover, in certain circumstances, upon receipt of this income, these individuals must pay
social security contributions.
In the event of failure to comply with these obligations, concerned persons may be subject to payment of back taxes and tax penalties. For further
information regarding these tax obligations, we recommend you contact your usual advisors.

(1) Excluding internet connection cost, according to operator.


(2) For significant levels of research, possible quote on request.
(3) Excluding internet connection cost. Telephone Banking : variable cost,
depending on phone operator HSBC Customer Relationship Centre. Opening
hours: Monday to Friday - 8AM to 10PM and Saturday - 9AM to 5.30PM.
HSBC Mobile : internet compatible mobile. Excluding internet connection
cost and GSM subscription, according to operator.
(4) Charged as of receipt of the first SMS/e-mail, whatever the media
selected.
(5) Only MasterCard are accepted by HSBC ATMs located in Canada.
(6) In some countries, additional charges may be applied by local banks.
(7) Of gross transaction amount.
(8) Excluding internet connection cost, according to operator.
(9) Additional charges may be applied by French or foreign correspondents,
or as required by a specific service.
(10) Only for My Global Transfer. Specific conditions for HSBC Advance
Customers. Special conditions are available for HSBC Premier Customers.
(11) Cheque remitted: value date D + 1 working day for cheque remitted
before midday. D+2 working day for cheque remitted after midday
(12) Subject to your application being accepted. Overdraft facility which may
be used for up to 15 calendar days per month, consecutive or not. Example
for a overdraft of 3,000 per day for 15 days: total cost of 19.50 (including
the highest overdraft fee calculated at a rate of 0,05 %) with an interest rate
equal to the HSBC base rate + 7 %, i.e. a rate of 14,40 % 1st april 2014.
APR: 17,13 %, giving an APR for a oneday unit period of 0,0433 %.

20

(13) Collective insurance policy provided by HSBC France, acting as an


intermediary for AIG Europe Limited.
(14) A package at 105 in case of 140. Subject to your application being
accepted by your HSBC branch and in accordance with local regulations.
Only for students up to 28 years old : 70 VAT included the first year
& 1 VAT included for the next years if HSBC Hexagone or HSBC Avenir
are subscribed.
(15) Excluding correspondent fees and under the conditions indicated in the
contract. Not available for Global Transfers online.
(16) Subject to contract terms and conditions: carried out by Mondial
Assistance France.
(17) Subscription according to specific conditions, under conditions accepted
by your HSBC branch.
(18) The amount includes all charges (commissions,...).
(19) Charge not collected if refused.
(20) Depending on the nature of the overdraft, the APR is indicated on
the preliminary proposition, contract or statement.
The 360 day method, used to calculate interest, affect the interest amount.
Example, for an overdraft of 100 for a duration of 31 days,
the interest has been calculated at the rate of 16 %, equals 1.38.
If the 365 day method applied, the cost would have been 1.36.
(21) Charges and fees are included in the annual percentage rate (APR).
(22) The rate varies depending on the amount of the loan, its term,
guarantees, etc.

(23) BR: HSBC base rate 7,40 % at 1st April 2014. The base rate is the rate
set by each bank depending on the nature of the loan granted and in view
of various capital market rates. This rate serves as a basis for calculating
the agreement rate for loans.
(24) Excluding APR. Charge for authorised and unauthorised overdraft.
(25) The information contained in this section does not constitute
a loan offer.
(26) Except for Prts dEpargne Logement home savings loans.
(27) These rates are to be understood per statement
(28) Individual subscription.
(29) Subscription for couples.
(30) A French Financial Transaction Tax, named Taxe sur les Acquisition
de Titres is due on the amount of share acquisitions at the rate of 0,2 %.
This tax is applied on all transactions related to listed shares of companies
established in France with a market capitalisation over 1Bn on
the 1st of december of the year before taxation.
The list of concerned companies is published on Ma banque en Ligne.
This tax will be charged to you for the aforementioned operations whether
they have directly been realised by yourself or realised within an activity
of a portfolio management mandate HSBC Actions France or Actions
Europe.
(31) France, Belgium, Netherlands.
(32) Only available for securities eligible for the deferred settlement
and published by Euronext Paris. These rates are applied in addition
to usual brokerage fees and may be changed at any time.
(33) Excluding France, Belgium, Netherlands. For other markets, please
contact us.
(34) And any local taxes.
(35) ISIN securities, listed on the Euronext market(31). For other securities,
set charge: 5 per line.
(36) In addition to subscription charges relating to the UCITS.
(37) In addition to any charges per line.
(38) Annual tariffs available on 1st April 2014, subject to change.

(39) Insurance policy for death or total and irreversible loss of independence
provided by HSBC France, acting as an intermediary for HSBC Assurances
Vie (France), a company regulated by the Insurance Code.
(40) Collective insurance policy provided by HSBC France, acting as an
intermediary for Allianz IARD (France) and Protexia (France), companies
regulated by the Insurance Code. Up to the limits set out in the policy.
(41) Subject to your application being accepted. Assistance service abroad
up to 500 USD or the local currency equivalent per day.
(42) Subject to your application being accepted by your HSBC branch
and in accordance with local regulations.
(43) Foreign cheques may be subject to additional charges
(correspondent fees, foreign exchanges).
(44) For cheques paid if account presents a credit. If you receive a
immediate credit on your account, enjoy exemption from the postage costs
(45) Exemption from management charges if customers take out
the Visa Libertel bank card.
(46) Depending on the formula chosen (from 10 or 30 % partial permanent
disability).
(47) Article L113-5 consumer code (The phone number intended to collect
the consumer call to obtain the good execution of a contract concluded with
a professional or the treatment of a complaint cannot be surcharged).

21

22

23

How to subscribe or find out more?


Contact your Relationship Manager
Call HSBC Customer Relationship Centre 0 810 2 4 6 8 10*
* Variable cost depending on operator.

Log on to www.hsbc.fr

Published by HSBC France


02/2014
HSBC France
A public limited company (Socit Anonyme) with a capital of 337,189,135 euros
SIREN number 775 670 284 Paris trade and company register
Head office: 103, avenue des Champs-Elyses - 75008 Paris
A bank regulated by the Autorit de Contrle Prudentiel and insurance intermediary registered with ORIAS
(French organisation for the registry of insurance intermediaries - www.orias.fr) under No. 07 005 894.
HSBC Assurances Vie (France)
A public limited company (Socit Anonyme) with a capital of 115,000,000 euros
SIREN number 338 075 062 Paris trade and company register
Address: 75419 Paris Cedex 08 Head Office: 15, rue Vernet - 75008 Paris
Company governed by the French insurance code
Crdit photo : Photononstop

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