SCHEDULE OF SERVICES AND TARIFFS

HSBC Premier, HSBC Advance and Personal Banking

Description Personal Account Account Opening fees Minimum Balance Breach of Minimum Balance (monthly) Eligibility criteria (does not apply to HSBC Premier International customers) Free N/A N/A a) Maintaining a balance of AED 350,000 in deposits and/or investments or b) Salary transfer of AED 50,000 per month or above for the first 12 months after which point (a) applies AED 200 / month N/A N/A Free AED 100 AED 50 per instruction Free through Internet or Phone Banking AED 25 AED 50 AED 100 AED 50 AED 100 AED 100 Free Free Free Free N/A N/A a) Maintaining a balance of AED 100,000 in deposits and/or investments or b) Salary transfer of AED 15,000 per month or more Free AED 3000 AED 25 N/A HSBC Premier HSBC Advance Personal Banking

Fee if eligibility criteria (a) is not maintained Relationship Fee Non-receipt of salary Utility Bill payment (Internet and ATM) Account closure fee (if closed within 1 year of opening) Standing Instruction set up (through the branch)

AED 100 / month N/A N/A Free AED 100 AED 50 per instruction Free through Internet or Phone Banking AED 25 AED 50 AED 100 AED 50 AED 100 AED 100 Free Free Free

N/A N/A N/A Free AED 100 AED 50 per instruction Free through Internet or Phone Banking AED 25 AED 50 AED 100 AED 50 AED 100 AED 100 NIL Outside the cycle AED 25 6 free transactions per month. Additional AED 10 per transaction Free Historical rate for the tenure the deposit is held, minus 1% First cheque book free. AED 25 per additional 25 leaves AED 25 N/A N/A AED 100 Free Free Free

Penalty for insufficient funds for standing orders Account balance Letter No liability certificate Release / Clearance letter Liability letter issued to Government/Embassies Liability letter issued to Financial Institutions Dormant account charge Statement of Account (per agreed cycle) Teller services

Bulk cash deposit and withdrawal at teller counter Term deposit premature upliftment rate Cheques Cheque Book

Free Historical rate for the tenure the deposit is held, minus 1% Free

Free Historical rate for the tenure the deposit is held, minus 1% Free

Issuing of a bank cheque Issuing of a cashier's order (AED) Issuing of a demand draft (foreign currency) Cheques returned drawn on the account (per instrument/cheque) Cheque payable at centres where Central Bank clearing facility is not availabe Returned cheques deposited in own acount Cheques for collection within the UAE

N/A AED 25 Free AED 100 Free Free Free

N/A AED 25 Free AED 100 Free Free Free

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

HSBC Premier, HSBC Advance and Personal Banking (continued)
Description Cheques (continued) Cheques for collection outside the UAE* Stop payment (per instrument/cheque) Counter cheques - cash withdrawal Cheque photocopy ATM / Debit Cards Issuing ATM Card Re-issuance of ATM Card PIN Debit Card Annual Fee ATM Card / Debit Card Replacement Fee Usage fee in UAE at HSBC ATMs Cash withdrawal/deposit Balance enquiry Mini-Statement Transfer within HSBC UAE Accounts Utility Bill Payments HSBC Credit Card Payment In UAE at UAE Switch ATMs Cash withdrawal Balance enquiry (Rate per transaction) In GCC at HSBC ATMs Cash withdrawal Balance enquiry (Rate per transaction) In GCC Countries at GCC NET ATMs Cash withdrawal Balance enquiry (Rate per transaction) Internationally at other HSBC ATMs Cash withdrawal Balance enquiry (Rate per transaction) Internationally at Visa/Plus ATMs Cash withdrawal Balance enquiry (Rate per transaction) Foreign currency transactions on Debit Cards Debit Card transactions that are not in your billing currency will be converted at a wholesale market rate, attracting a processing fee of up to 2% NIL Debit Card transactions that are not in your billing currency will be converted at a wholesale market rate, attracting a processing fee of up to 2% AED 25 Debit Card transactions that are not in your billing currency will be converted at a wholesale market rate, attracting a processing fee of up to 2% AED 25 AED 20 NIL AED 20 NIL AED 20 NIL NIL NIL AED 10 NIL AED 10 NIL NIL NIL AED 6 AED 3 AED 6 AED 3 NIL NIL NIL NIL AED 6 AED 3 NIL NIL NIL NIL AED 2 AED 1 NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL AED 25 NIL AED 25 NIL AED 25 NIL AED 25 AED 50 AED 50 Free Free AED 50 AED 50 Free Free AED 50 AED 50 Free Less than 1 year AED 10, over 1 year AED 20 HSBC Premier HSBC Advance Personal Banking

Copy of Sales Slip (Debit Cards retail transaction)

*For cheque(s) accepted for collection, processing time will be approximately 6 - 8 weeks and Drawee Bank charges may apply, which vary from USD 45 to USD 200.

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

HSBC Premier, HSBC Advance and Personal Banking (continued)
Description Phone Banking Re-issuance of Phone Banking PIN Ordering account statements - Extra copy (last six months) - Extra copy (beyond six months) Funds transfer between HSBC UAE accounts Statement by fax Utility bill payments (Etisalat, DEWA, SEWA, ADDC, AADC) Personal Internet Banking Funds transfer between HSBC UAE accounts E-statements Utility bill payments (Etisalat, DEWA, SEWA, ADDC, AADC) Set up of standing instructions Inward Remittances In AED If paid to beneficiary in cash1 - Account Holder - Non-account holder If credited to the beneficiary's account - Account Holder* - Non-account holder In Foreign Currency If paid in AED (cash) to the beneficiary1 - Account Holder - Non-account holder If credited to beneficiary's foreign currency a/c in the same currency1 - Account Holder* - Non-account holder If paid in currency notes other than AED Outward Remittances To non HSBC accounts Telegraphic Transfer (TT) Local / Central Bank TT Issuance - Electronic - Manual International TT Issuance - Electronic - Manual AED 40 AED 40 AED 40 AED 70 AED 40 AED 75 AED 50 AED 100 AED 40 AED 75 AED 50 AED 100 Free AED 200 Free AED 200 Free AED 200 Free AED 200 Free N/A Free AED 200 Free N/A Free AED 200 Free N/A Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free HSBC Premier HSBC Advance Personal Banking

Free N/A 1% (Minimum AED 25)

AED 25 (equiv) N/A 1% (Minimum AED 25)

AED 25 (equiv) N/A 1% (Minimum AED 25)

*We may claim an inward remittance fee from the remitting bank. They may charge the remitters account for all or part of this fee. 1 Applicable on beneficiary deduct remittances only Notes a) Beneficiary of the remittance may be required to pay a charge depending on the conditions set by the remitter or his/her bank b) For non-accountholders, remittances will be paid in cash only if the remittance has originated from an HSBC Group Bank c) If the amount is to be credited in another currency to an HSBC account, the prevailing exchange rate will apply

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

HSBC Premier, HSBC Advance and Personal Banking (continued)
Description Outward Remittances (continued) Additional charge to send International TTs in full outside HSBC Group (Charges "OUR") - Electronic / Manual International TT issuance to HSBC India or HSBC International, Jersey, Channel Islands, above or equal to USD 2,000 - Electronic - Manual Recall of TT Funds / Investigation of TT Status - Electronic / Manual To HSBC accounts Local/between HSBC UAE accounts - Electronic / Manual International TT issuance to accounts within HSBC Group entity - Electronic - Manual International TT issuance to own accounts within HSBC Group entity using Saved Template via Internet Banking - Electronic International transfers to own accounts within HSBC Group entity using Global Transfer service - Electronic - Manual Additional charge to send payment in full within HSBC Group (Charges OUR) - Electronic / Manual Cashier Order/Demand Draft Issuance - Electronic - Manual Mailing - Electronic / Manual Cancellation (with original returned) - Electronic / Manual Stop payment - Electronic / Manual AED 25 AED 35 AED 20 AED 25 AED 75 AED 25 AED 35 AED 20 AED 25 AED 75 AED 25 AED 35 AED 20 AED 25 AED 75 Free Free Free AED 150 HSBC Premier HSBC Advance Personal Banking

AED 100

AED 100

AED 100

Free (other bank charges may apply)

AED 150

AED 150

AED 40 AED 70

AED 50 AED 100

AED 50 AED 100

Free

AED 50

AED 50

Free N/A

USD 7 N/A

N/A N/A

AED 50

AED 50

AED 50

Notes (1) Electronic = Transactions originating from internet banking and electronic standing instructions (2) Manual = Transactions originating through Branches and telephone Banking a) Above charges are HSBC UAE charges only. Other Banks, including HSBC offices abroad, may deduct their charges from the remittance amount. USD 25 will be charged as our correspondent bank charges for all USD transfers where the final beneficiary is not HSBC in the US. b) Non-HSBC beneficiary bank charges on telegraphic transfers are not guaranteed by HSBC or our correspondents. Some non-HSBC beneficiary banks in the United States may still deduct their charges from the total remittance amount.

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

HSBC Premier, HSBC Advance and Personal Banking (continued)
Description Other Benefits Credit Card membership fees Life Insurance Travel Insurance Overdraft Annual Renewal Fee Overdraft/Free negative balance on application Toll Free International Account opening Branch Dedicated Teller Free N/A Free if tickets bought using the HSBC Premier Credit Card AED 200 Free negative balance for AED 15,000/Dedicated Toll Free Number Free Free unlimited number of branch transactions over the counter 1% (minimum AED 25) 1% of the value of the transaction amount Dedicated area for HSBC Premier customers Free Emergency Encashment service Free Buy-one-get-one free Earn 1.5 Air Miles for spend of AED 1 if total spend > AED 4,000/month else earn 1 Air Mile for every AED 1 spent Free Free Life Insurance of AED 35,000 Free AED 200 Free negative balance for AED 5,000/Dedicated Toll Free Number US$100 Free unlimited number of branch transactions over the counter 1% (minimum AED 25) 1% of the value of the transaction amount Dedicated area for HSBC Advance customers Free Emergency Encashment service Free Buy-one-get-one free Earn 1 Air Mile for every AED 1 spent Annual membership fees apply N/A N/A AED 200 N/A N/A N/A N/A HSBC Premier HSBC Advance Personal Banking

Deposit or withdrawal in currency notes other than AED Foreign currency Sale and Purchase fee Dedicated Lounge Emergency Encashment Valet Parking services at Valtrans (up to 4 times per month) in selected locations Cinestar tickets Air Miles on Credit Cards

1% (minimum AED 25) 1% of the value of the transaction amount N/A N/A N/A N/A N/A

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

Personal Loan
Description Arrangement Fee (New Loans) Arrangement Fee (Top-up) Loan Insurance Protection - Tenure up to 36 months - Tenure over 36 months Early settlement of loan (own sources) Early settlement of loan (paid by another bank) Partial payment of loan Loan Cancellation Fee Liability Letter No Liability Letter Loan rescheduling fee Instalment Deferment Fee 0.85% of the loan amount 1.30% of the loan amount 1% of outstanding loan amount 1% of outstanding loan amount 1% of partial payment amount AED 100 AED 100 AED 100 AED 250 AED 100 per deferment Fee 1% of loan amount (minimum AED 500 and maximum AED 2500) 1% of top-up amount (minimum AED 500 and maximum AED 2500)

Overdrafts
Description Unsecured Overdrafts Secured Overdrafts Renewal Fee AED 200 AED 200

Vehicle Loans
Description Processing fee 1% of loan amount NOC to Traffic Department Replacement of existing post dated cheques with new post dated cheques Advance payment of instalment Change of due dates of standing instructions Instalment deferment charges Late payment penalty interest rates 2% over agreed rate Early Settlement for car loan Stop payment (per instrument / cheque) Return Cheque Liability Certificate Loan rescheduling fee All other items not mentioned above are without fees Fee Minimum 500 Maximum 2500 Free Free 1% of advanced payment AED 25 AED 100 Minimum 50 Maximum 200 1% of remaining balance AED 50 AED 100 AED 100 AED 250

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

Mortgages
Description Interest rates Home Purchase - variable rate Reduced Rate Loan To Value (LTV) less than or equal to 60% Loan To Value (LTV) 60% - 80% Base Rate for Under Construction Properties Premier Discount (Up to 50% of LTV) Advance Discount (Up to 50% of LTV) (Maximum financing up to 50%) 3-Month EIBOR Based Rate (Emirates Interbank Offered Rate) Reduced Rate for Completed Properties Loan to Value (LTV) less than or equal to 60% Loan to Value (LTV) 60% - 80% Base Rate for Under Construction Properties Premier Discount (Up to 50% of LTV) Advance Discount (Up to 50% of LTV) (Maximum financing up to 50%) Equity Release loan Premier discount available to UAE Wealth based relationships & salaried relationships for 3 months or more only. 3 Months EIBOR at 02nd of April 2011 - 2.13125% Insurance Life insurance is mandatory and it must be assigned to the Bank. Property Insurance fee To be arranged by the customer 0.05% p.a. Life insurance must be assigned to the Bank Property insurance fee is charged on the rebuild cost of the property. This can be arranged by HSBC in the first year of cover, to be reviewed annually by the borrower. Payable if HSBC Buildings Insurance is not used. Charged on the amount of the approved loan. To be paid at the time of approval. A commitment fee, paid at the time of approval, is applicable to under-construction properties with delivery date being in excess of one year from the date of loan. The fee will be based on the property completion date at the time of application as listed in the developer>s confirmation/ documentation in the original sales/ purchase agreement. 3 Months EIBOR + 3.35875% p.a. 3 Months EIBOR + 3.85875% p.a. 3 Months EIBOR + 5.61875% p.a. 0.5% 0.25% Additional 1.00% over and above the applicable Home Purchase rate. The interest rates quoted are based on the 3 month EIBOR, charged on outstanding value of loan and subject to change in line with the mortgage agreement. Equity Release loans are applicable to completed properties only. Please ask your mortgage advisor for details. 7.75% 0.5% 0.25% 5.49* 5.99* The interest rates quoted are variable/ floating, charged on outstanding value of loan and subject to change in line with the mortgage agreement. Fee Additional Notes

Assignment of Property Insurance fee Account set-up fees Arrangement fee:

AED 500

1% of loan amount, Min. AED 5,000 75% off 1%

Reduced - Arrangement fee Commitment fee: (applicable to under-construction properties only and payable at the time of loan application)

Special notes: (1) Your home will be at risk if you do not make payments on a home loan, or any other finance that may be secured against it. (2) Effective from: April 2nd 2011 (3) All fees are subject to change and will be applied to all customers from the date of change. (4) Charges/fees pertaining to Lands Department or any other entity pertaining to registration/perfection of Mortgage are to be borne by the customer on actual basis and are not listed in this tariff sheet (5) All Fee paid to the bank are non refundable Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

Mortgages (continued)
Description Account management fees Early redemption fee No charge No charge at any stage during the lifetime of the loan. Subject to a minimum amount of AED 25,000. Such additional payments can only be made on the monthly installment date. If your existing loan is being transferred to another bank / finance company, fee is to be paid on outstanding loan amount. Administrative charge for the closure of the account, and the release/return of relevant documentation. Charged when converting from a Variable rate to a three month EIBOR based rate or vice versa Non-refundable fee charged at the time of Approval In Principle issuance, to be adjusted in the arrangement fee charged at the time of final approval Charged on the additional amount of the advance Fee Additional Notes

Loan Closure fee - transfer to another Lender

3% on loan outstanding Min. AED 10,000

Loan Closure fee - through own funds or upon maturity

AED 2,500

Rate Conversion fee

AED 10,000

Approval In Principle

AED 2,500

Further advance (arrangement) fee - Equity Release Non-standard statement production/ Copy of documentation Home Loan Liability Letter Late Payment fee Change of Parties on Mortgage Offer Letter Loan Rescheduling Fee Consolidation fee Consolidation via property swaps offered by developer

1% flat AED 500 AED 500 AED 1,000 AED 500 AED 1,000

To be paid if a payment is more than 15 days past due date. Charged on re-issuance of offer due to change of names. Charged when loan is rescheduled (increase/decrease in term) To be paid when the property financed is being swapped before the handover with a different property offered by Developer To be paid when the outstanding amount from various properties is being applied towards the financed property.

AED 2,500.00

NOC Issuance for consolidation of loans with the same developer

AED 1,000.00

Special notes: (1) Your home will be at risk if you do not make payments on a home loan, or any other finance that may be secured against it. (2) Effective from: April 2nd 2011 (3) All fees are subject to change and will be applied to all customers from the date of change. (4) Charges/fees pertaining to Lands Department or any other entity pertaining to registration/perfection of Mortgage are to be borne by the customer on actual basis and are not listed in this tariff sheet (5) All Fee paid to the bank are non refundable

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

Mortgages (continued)
Description Property Valuation fee Type of purchase / Financing From developer at O.P Re-sale Equity Release Type of purchase / Financing Pre. comp-stage AED 1,500 AED 1,500 n/a Upon completion AED 2,500 AED 2,500 AED 2,500 AED 2,500 AED 1,250 Completed To be paid at the application stage for completed properties. This is charged by the independent valuation companies on HSBC>s panel and is non-refundable if the application does not progress. For under construction properties, valuation is done in two stages i.e. in under construction stage and upon completion. Valuation is mandatory at both these stages. For Property Swap cases, the mandatory valuation has to be done for the unit which is being acquired. Fee Additional Notes

O.P Original Price

Special notes: (1) Your home will be at risk if you do not make payments on a home loan, or any other finance that may be secured against it. (2) Effective from: April 2nd 2011 (3) All fees are subject to change and will be applied to all customers from the date of change. (4) Charges/fees pertaining to Lands Department or any other entity pertaining to registration/perfection of Mortgage are to be borne by the customer on actual basis and are not listed in this tariff sheet (5) All Fee paid to the bank are non refundable

Terms and Conditions apply. For more details visit www.hsbc.ae

SCHEDULE OF SERVICES AND TARIFFS

Credit Cards
DESCRIPTION Primary card annual fee Supplementary cards (shared limit) Supplementary cards (set-up fee for separate limit) Minimum payment Finance charge on purchases per annum* Finance charge on cash advances per annum* Cash advance fee Card replacement fee Late payment fee Over limit fee Copy of sales slip/Credit Card statement Returned cheque fee Charge for disputing a transaction subsequently found to be genuine Access to HSBC Current/Savings Account through VISA/Plus, Master/Cirrus or UAE Switch ATMs Access to HSBC Current/Savings Account through HSBC ATMs Foreign currency transactions (Card transactions not in your billing currency will be converted at a wholesale market rate attracting a processing fee) Credit Shield Plus Paper statement charges HSBC Premier Free Free Free 5% of outstanding balance or AED 100 whichever is higher 27% 27% 3% of total amount (minimum AED 100) Free AED100 Free Free AED100 Free AED 20 per transaction Free Advance Platinum Free 2 Free AED 100 / Supplementary Card 5% of Outstanding Balance or AED 100 (Whichever is higher) 33.48% 36% 3% or AED 100 (whichever is higher) Free AED 150 AED 150 AED 25 AED 100 AED 100 AED 20 per transaction Inside the UAE: Free Outside the UAE: AED 10 per transaction 2.60% VISA Platinum AED 600 2 Free AED 100 5% of Outstanding Balance or AED 100 (Whichever is higher) 35.88% 36% 3% of total amount (minimum AED 100) Free AED 150 AED 150 AED 25 AED 100 AED 100 AED 20 per transaction Inside the UAE: Free Outside the UAE: AED 10 per transaction 2.60% VISA/ MasterCard Gold AED 400 2 Free AED 75 5% of Outstanding Balance or AED 100 (Whichever is higher) 35.88% 36% 3% of total amount (minimum AED 100) Free AED 150 AED 150 AED 25 AED 100 AED 100 AED 20 per transaction Inside the UAE: Free Outside the UAE: AED 10 per transaction 2.80%

VISA/ MasterCard Classic/Standard

AED 150 2 Free AED 50 5% of Outstanding Balance or AED 100 (Whichever is higher) 35.88% 36% 3% of total amount (minimum AED 100) AED 100 AED 150 AED 150 AED 25 AED 100 AED 100 AED 20 per transaction Inside the UAE: Free Outside the UAE: AED 10 per transaction 2.80%

2.60%

0.65% of Outstanding Balance NIL

0.65% of Outstanding Balance NIL

0.65% of Outstanding Balance AED 10 per statement

0.65% of Outstanding Balance AED 10 per statement

0.65% of Outstanding Balance AED 10 per statement

Transactions conducted at Exchange Houses will be treated as Cash Advance and will be subject to applicable fees and charges as set out above. * Subject to increase by 1% in case Cardholder is more than one payment overdue. Original Finance Charge rates will be re-instated when Cardholder is not more than one payment overdue. In addition, a Collection Agency Fee will be charged to the Cardholders Account when the Bank appoints an external Collection Agency to follow up on the outstanding payment.

Terms and Conditions apply. For more details visit www.hsbc.ae