Types of Bank Accounts: 1. HSBC Savings Account: A.

Savings Account Features & Benefits Open a HSBC Savings Account with no hidden costs

You can automatically transfer extra savings from your savings account to a fixed deposit, through a standing instruction to enable you to earn higher interest. You are also eligible for HSBC credit cards. Transfer funds in an easy, fast and convenient manner with the Card-to-Card Transfer facility using the Visa Money Transfer Service. Keep a track of your account with Free Monthly E-statements. You will receive a mail every month to your internet banking messages inbox as well as your personal email address (provided your personal email id is registered with the Bank) informing you when your E-Statement is ready. You can also collect your monthly paper statements from your branch of account by visiting your branch of account in person to collect the same. Monthly statements will only be available for collection in the branch for the preceding month (i.e. please visit the branch in April 2010 to collect your March 2010 statement). Personalized cheque book. Transact in mutual fund# products offered by select mutual fund houses. Choose from a range of Life and General Insurance## products offered by our partners, Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd. and Tata AIG General Insurance Co. Ltd. Manage and transact on your savings account, pay your bills and much more by taking advantage of HSBC's Personal Internet Banking.

B. ATM access Our wide network of ATMs has made banking all the more convenient for you. Withdraw cash, transfer funds, deposit cheques and cash, request for a bank statement, cheque-book or mini-statement and check your balances. C. International debit card Use the international debit card to make purchases at 3,50,000 merchant establishments in India and at 26 million across the world. Withdraw cash from over 23,500 HSBC/Visa/Plus ATMs in India and from over 1 million VISA ATMs across the world.

D. Credit card Get an HSBC credit card that lets you access your Savings Account at HSBC ATMs worldwide. Perform banking transactions like cash withdrawals, balance inquiries and transfer of funds. You can also withdraw cash from your HSBC Current / Savings Account at any of our VISA / MasterCard ATMs worldwide.

E. Special relationship discounts Our HSBC customers (for 6 months or more) are entitled to a 0.5% discount on the upfront processing fee for Home loans and Personal/Professional loans and on the annual service charges for Asset Link.

F. Maintain Average Monthly Balance (AMB) of INR 75,000 and enjoy a world.

G. Free passbook facility w.e.f. Aug 1st 2007 Passbooks can be collected from the nearest branch and can be updated personally with transactions up to three preceding months. Conditions: HSBC Debit Card application is optional. Annual fee of Rs. 150 (plus service tax) for each debit card, including additional debit cards will be levied. Debit card undertaking / Declaration is required to be signed to avail of this benefit. For charges related to standing instruction, please refer to Account Service charges and Fees. A transaction fee is applicable for withdrawals from other bank ATMs outside India. All cash withdrawals overseas must be strictly in accordance with the FEMA Regulations of the Reserve Bank of India. The aggregate expenses (i.e. through cash/traveller's cheques/your bank accounts) should not exceed the limit set by RBI, as prevailing from time to time. International debit cards cannot be used for purchase of prohibited items e.g. lottery tickets, banned or proscribed magazines, football pools, racing/riding tickets, participation in sweepstakes, payment of call-back services etc. If in doubt please contact the Bank for clarification. The facility of accessing your Current/Savings Account with your credit card from HSBC will be provided only when specifically requested by you.

Issuance of credit card is at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India. All features and benefits are subject to Terms and Conditions. Mutual Funds are subject to market risks. Please read the offer document carefully before investing. Insurance is the subject matter of solicitation. HSBC India is a Corporate Agent of Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd. and TATA AIG General Insurance Co. Ltd. HSBC India does not accept any responsibility for the actions and/ or decisions of either of the Insurance Companies. Conditions apply. Charges applicable for Non- maintenance of average monthly balance (AMB) of INR 75,000 in a combination of savings / current account and fixed deposits including a minimum monthly balance of INR 25,000 in the savings / current account. Kindly refer to the Account service charges and fees for details. Records of transactions made prior to three months will be posted on request and charged as per existing tariff. To open an HSBC Savings Account, following documents are required: A. Your completed account opening form. B. A passport-size photograph of yourself and all other accountholders, which must be signed across the front. C. One documents each from the following two categories: Proof of individual's identity

Passport Voter's ID Driving license Government ID card Defence ID card Photo ration card Photo PAN card

Proof of residence

Passport Telephone bill Electricity bill Ration card Society outgoing bill Life Insurance Policy

2. HSBC Fixed Deposits A. Fixed Deposits Account Features & Benefits The superior Fixed Deposit to invest in, for a secure future You can now open a Fixed Deposit with Rs. 10,000 only Enjoy high interest rate on your HSBC Fixed Deposits (consult your Customer Service Officer on available options) Choose the best tenure for you from a wide range as per your convenience Avail of our special interest rates for select tenures

Fixed Deposit Interest Rates INR 10,000 - INR 1,499,999 Term / Amount Interest Rate (% p.a.) Senior Citizen's* Interest Rate (% p.a.)

15 to 29 Days 30 to 59 Days 60 to 89 Days 90 to 179 Days 180 to 269 Days 270 to 364 Days 365 Days 366 to 399 Days 400 Days 401 Days to less than 18 months 18 months to 730 days 731 Days 732 Days to less than 36 months

4.75 4.75 5.00 7.00 8.00 8.50 9.00 8.10 8.00 8.00 7.50 8.00 7.50

5.25 5.25 5.50 7.50 8.50 9.00 9.50 8.60 8.50 8.50 8.00 8.50 8.00

36 months to less than 37 months 37 months to less than 48 months 48 months to 60 months

7.75 8.50 8.00

8.25 9.00 8.50

Interest Rates for Deposits INR 15 lacs & above and below INR 50 lacs with effect from 14 August 2011 INR 1,500,000 - INR 4,999,999 Term / Amount Interest Rate (% p.a.) Senior Citizen's* Interest Rate (% p.a.)

15 to 29 Days 30 to 59 Days 60 to 89 Days 90 to 179 Days 180 to 269 Days 270 to 364 Days 365 Days 366 to 399 Days 400 Days 401 Days to less than 18 months 18 months to 730 days 731 Days 732 Days to less than 36 months

4.50 5.00 4.50 5.50 5.50 6.00 9.25 7.00 5.50 5.50 5.60 6.00 6.00

5.00 5.50 5.00 6.00 6.00 6.50 9.75 7.50 6.00 6.00 6.10 6.50 6.50

36 months to less than 37 months 37 months to less than 48 months 48 months to 60 months

6.40 6.40 6.75

6.90 6.90 7.25

Interest Rates for Deposits INR 50 lacs & above and below INR 1 crore with effect from 14 August 2011 INR 5,000,000 - INR 9,999,999 Term / Amount Interest Rate (% p.a.) Senior Citizen's* Interest Rate (% p.a.)

15 to 29 Days 30 to 59 Days 60 to 89 Days 90 to 179 Days 180 to 269 Days 270 to 364 Days 365 Days 366 to 399 Days 400 Days 401 Days to less than 18 months 18 months to 730 days 731 Days 732 Days to less than 36 months

4.50 5.00 4.50 5.50 5.50 6.00 9.50 7.00 5.50 5.50 5.60 6.00 6.00

5.00 5.50 5.00 6.00 6.00 6.50 10.00 7.50 6.00 6.00 6.10 6.50 6.50

36 months to less than 37 months 37 months to less than 48 months 48 months to 60 months

6.40 6.40 6.75

6.90 6.90 7.25

Note: Rates for Fixed Deposit amounts equal to or exceeding INR 15,00,000 are updated every day, Monday to Saturday. We request you to kindly check for rates applicable today at your nearest HSBC branch in India or call Phone Banking before placing fixed deposits as it may be possible that the rates on this webpage are getting updated while you view them. 3. HSBC Smart money account: Take the smart way out, open a HSBC SmartMoney Account, which enables you to enjoy all the benefits of a savings account coupled with the high returns of a fixed deposit. A unique combination of a fixed deposit and a savings account, the HSBC SmartMoney Account lets you enjoy the higher returns of a fixed deposit and yet retain the liquidity and flexibility to meet all your needs. A. HSBC Smart money account Features & Benefits: The intelligent way to grow your money Higher interest rates Open a SmartMoney Account with a minimum fixed deposit of Rs. 25,000 and get high returns. We have special rates for special tenors.

Free savings accounts Get a free savings account, without having to maintain any Average Monthly Balance (AMB).

Up to 90% overdraft You can withdraw up to 90% through an overdraft facility. You can pay interest only on the amount overdrawn, while you earn interest on 100% of your fixed deposit.

Anytime access Access your SmartMoney Account 24 hours a day through our ATMs, Phone Banking, Internet Banking. You also get your own personalized chequebook.

Free HSBC credit card Make the most of your hard-earned money with money saving features and value added benefits.

Free HSBC International debit card The HSBC International debit card# allows you to withdraw up to Rs. 25,000 per day, with higher withdrawal limits for Power Vantage and HSBC Premier Customers.

Free online bill payment services Make all your bill payments online and avoid the hassles of physical payments. It's convenient and quick. To open an HSBC above Account, following documents are required: A. Your completed account opening form. B. A passport-size photograph of yourself and all other accountholders, which must be signed across the front. C. One documents each from the following two categories: Proof of individual's identity

Passport Voter's ID Driving license Government ID card Defence ID card Photo ration card Photo PAN card

Proof of residence

Passport Telephone bill Electricity bill Ration card Society outgoing bill Life Insurance Policy

4. No Frills Savings Account

Our HSBC No Frills Savings Account makes it convenient for you to avail world-class banking privileges at a nominal cost. No Frills Savings Account allows you to bank with HSBC with a zero minimum balance requirement i.e. you can maintain this account without any minimum or average balance requirement. The No Frills Savings Account is aimed at making your banking transaction simple and convenient. You don't even need to take the trouble of visiting the branches, you can choose to simply avail of our Internet or Phone Banking facilities and bank from the comforts of your house. A. No Frills Savings Account Features & Benefits: The HSBC No Frills Savings Account has no hidden costs.

You can access your account through any VISA ATM in India with your HSBC debit card. One FREE debit card will be available per account Internet Banking and Phone Banking facility each available at a nominal annual fee of Rs. 99 only 1 FREE branch transaction per month. This transaction should be of the nature of cash deposit only. Additional transactions (over and above the 1 FREE transaction), will be charged a fee of Rs. 50 per transaction Keep a track of your account with Free Monthly E-statements. You will receive a mail every month to your internet banking messages inbox as well as your personal email address (provided your personal email id is registered with the Bank) informing you when your E-Statement is ready. You can also collect your monthly paper statements from your branch of account by visiting your branch of account in person to collect the same Monthly statements will only be available for collection in the branch for the preceding month (i.e. please visit the branch in April 2010 to collect your March 2010 statement).

Other Benefits -International debit card Use the international debit card to make purchases at 3,50,000 merchant establishments in India and 26 million across the world. Withdraw cash from over 23,500 HSBC / Visa ATM's in India and from over 1 million VISA ATM's across the world (refer section on service charges for applicable transaction charges).

-HSBC credit card You can also choose to apply for an HSBC credit card that gives you the freedom from carrying cash and enables you to make purchases at over 18 million merchant establishments in India while enjoying various value-added benefits that enrich your life.

To open an HSBC above Account, following documents are required: A. Your completed account opening form. B. A passport-size photograph of yourself and all other accountholders, which must be signed across the front. C. One documents each from the following two categories: Proof of individual's identity

Passport Voter's ID Driving license Government ID card Defence ID card Photo ration card Photo PAN card

Proof of residence

Passport Telephone bill Electricity bill Ration card Society outgoing bill Life Insurance Policy

5. HSBC Demat Account As someone who's interested in regular trading, you need a well-resourced account to match your needs in a dynamic market scenario. As a leading depository participant, we offer you HSBC Demat Accounts, armed with an entire range of conveniences specially designed to make your money work harder. A. Demat Account Features & Benefits: HSBC Demat Accounts are especially designed to give you the edge in the stock markets today

You can purchase, hold and sell shares in electronic form. Get your Holding statement every 3 months, showing current portfolio of shares. As an NRI, you can easily dematerialize your portfolio of shares in India with us. If you already hold an HSBC Current/Savings account, there be no account opening charges and no minimum balance requirements for your Demat Account. You can save on transaction costs with quick transfers. Say goodbye to risk of loss, theft or mutilation of shares. Now, stop worrying about bad deliveries, forgeries and duplicate share certificates.

6. Corporate Employee Programme Corporate Employee Programme A banking relationship where the priority is you Welcome to the Corporate Employee programme, a comprehensive package that is designed to empower and assist your employees in achieving financial goals while providing banking experience by focusing on four key areas: 1. Enhanced Convenience Our wide array of offering, ranging from international services to PhoneBanking10, and Internet banking benefits, along with access to Non HSBC Visa ATMs11 provide you with a convenient banking experience. 2. Better Choice The CEP offers a suite of products that cater to different needs, from a range of salary accounts, wealth management services, to a host of features on HSBC Debit7 and Credit Cards8 so that you have a wide array of products and services to choose from. 3. Financial Acumen A team of HSBC Wealth managers will assist you in understanding your wealth goals and help you plan for your future today. 4. Superior Security At HSBC, we endeavor to ensure a secure environment through our Internet Banking. It is a quick, easy and secure mode to access a wide range of transactions through a Password and / or a Security Device. The Security Device provides an enhanced level of security access to HSBC Internet Banking based on a 2 step authentication process. The Corporate Employee Programme allows you to do more.

Types of bank loan: 1. HSBC Home Loans: Nothing would delight us more than to help you buy your dream home. HSBC Home Loans make it easier for you to move in as soon as possible without putting a strain on your wallet. Your dream home is closer than you think. Apply for a home loan today. Home Loan Features & Benefits: -Your dream home, a reality Loan requirement - We offer you loans ranging from Rs. 5 lakhs up to Rs. 5 crore Property types - We offer loans to Resident Indians and NRIs for ready property, selfconstruction and home improvement.

Loan tenure - Loans are available for tenures up to 25 years.

-Flexibility, savings... more! Home Loan repayment options - Choose between fixed and floating rate home loans. You also have the option of switching from a floating rate home loan to a fixed rate home loan once a year at no extra cost. No penalty option - You can opt to pre-pay up to 25% of your loan every year. Pre-payment is permitted after a minimum of 6 months following loan disbursal. Tax benefits - Resident Indians are eligible for certain tax benefits on principal and interest components of a housing loan under the Income Tax Act, 1961. Home Loan - Eligibility & Documentation To qualify for a HSBC Home Loan, the following criteria apply a. Net Income (Rs.) b. Minimum Age (in years) c. Maximum Age (in years) 5, 00,000 p.a (salaried) 7, 50,000 p.a (self-employed) 21 58 (salaried) 60 (Public limited/Government Employees) 65 (self-employed)

d. Minimum Loan Amount (Rs.) 500,000 e. Maximum Loan Amount (Rs.) 5,00,00,000 f. Maximum Tenor (in years) Note: Available to both Residents as well as NRIs. NRI Applicants must have a local co-applicant or a local contact person. All joint owners of the property would necessarily have to be coapplicants and would need to sign all loan documents. The interest rate on your floating rate loan, if disbursed on / after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011. 25

Rs. 5,00,00,000 for applicants in Mumbai, New Delhi (NCR) and HSBC Premier customers. Rs. 3,00,00,000 for applicants of Bengaluru, Chennai and Pune. For Resident Indian/NRI professionals and self-employed applicants, the maximum tenor is 20 years. All loans at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India. Loans available for applicant and properties in and around the city limits of Mumbai, Pune, New Delhi(NCR), Bengaluru, Chennai, Ahmedabad, Chandigarh and Jaipur and are subject to change from time to time. Resident Indians - You will be required to present the following documents: Completed loan application form with one passport size photograph

Proof of individuals identity (any one of the following)

Passport Photo PAN card Defence identity card Voter's identity card Driving license Photo ration card Government identity card

Proof of residence (any one of the following)

Passport Ration card Telephone (land/mobile) bill Electricity bill Driving license Society outgoing bill Voter's identity card Life Insurance Policy Only Passport can be used as both Proof of individual's identity and Proof of residence.

Proof of age (any one of the following)

Passport Valid driving license Voter's identity card

Birth certificate School leaving certificate LIC Policy or Premium receipt clearly indicating the applicant's age Letter from the employer stating the age of the employee Applicable only for employees of select Public Limited Companies. Conditions apply.

Financial documents

Salaried individuals

Latest salary slip showing statutory deductions AND Form 16 (Declaration from the employer giving the details of income and deductions, duly signed by an authorized signatory of the Company) OR Latest acknowledged IT returns AND Bank statements for the last 3 months

Self-employed individuals / Proprietor

Computation of income + P&L for the last 2 years certified by a C.A. OR P&L and Balance sheet for the last 2 years certified by a C.A. AND Copies of acknowledged IT returns for the last 2 years AND Bank statements for the last 6 months

Partnerships (Loans will be extended in favor of partners)

Computation of income + P&L for the last 2 years certified by a C.A. OR P&L and balance sheet for the last 2 years certified by a C.A. AND Copies of acknowledged IT returns for the last 2 years AND Bank statements for the last 6 months AND Partnership deed, letter of authority, Proof of office

Private Limited Companies (Loans will be extended in favor of Directors)

Computation of income + P&L for the last 2 years certified by a C.A. OR P&L and Balance sheet for the last 2 years certified by a C.A. AND Copies of acknowledged IT returns for the last 2 years Bank statements for the last 6 months Memorandum and Articles of Association Board resolution

Authority letter from all directors to accompany the application form with photographs of authorized signatories if not specified in the board resolution Proof of office

NRIs - You will be required to present the following documents: Salaried NRI Applicants

Copy of valid passport showing VISA stamps Copy of valid visa / work permit / equivalent document supporting the NRI status of the proposed account holder Latest contract copy evidencing Salary / Salary Certificate / Wage Slips Overseas Bank A/C for the last 3 months showing salary credits

Self Employed NRI Applicants

Trade license or equivalent document 6 months overseas bank account statement and NRE/ NRO account Computation of income, P&L account and Balance Sheet for last 3 years certified by the C.A. / CPA or any other relevant authority as the case may be (or equivalent company accounts) Passport copy with valid visa stamp Brief profile of the applicant and business

2. Smart Home At HSBC, we understand that buying a home is a long-term financial commitment. Smart Home is a simple way to use your savings smartly, by letting you decide how much interest to pay. Repay your loan sooner. Smart Home offers competitive home loan interest rates and more. Smart Home Features & Benefits: Save up to 50% on interest payments With every Smart Home, you get a current account. All you need to do is put your usual savings, from other accounts, into the Smart Home Account. Depending on the savings you put into the Smart Home Account, you can reduce the quantum of interest paid by up to 50%.

Here's how Smart Home works to save you money Your home loan interest is calculated, on the principal outstanding minus the savings deposited in your Smart Home Account every month, over and above your EMI. The example below shows how much interest is reduced, with a monthly saving of just Rs. 6,000, over and above your EMI. Standard Home Loan Home Loan Amount (Rs.) Interest Rate Original Tenor Actual EMI's Total Interest (Rs.) Saving in Interest (Rs.) Savings in Tenor (months) 25 lakhs 8.50% p.a.* 20 years 240 27,06,939 HSBC's Smart Home 25 lakhs 9.00% p.a.* 20 years 143 (40% less) 16,11,087 10,95,852 (40%) 97 (40%)

Interest rates are merely indicative which can change from time to time depending on market conditions. Tax benefits Smart Home customers are eligible for certain tax benefits on principal and interest components of a housing loan under the Income Tax Act, 1961.

Exclusive Smart Home banking privileges for you

You can even use the Smart Home Account as your main bank account for depositing and withdrawing money Along with your Smart Home, get access to an HSBC Advance Account, with the following benefits: Free access to 23,500 VISA ATMs across India, with your HSBC Advance Platinum Debit Card Free cheque payable at par facility Dedicated service desks and counters at branches Financial planning services to help you plan your financial goals The usage of the card is governed by applicable terms and conditions.

Smart Home - Eligibility & Documentation

To qualify for a Smart Home, the following criteria apply a. Net Income (Rs.) b. Minimum Age (in years) c. Maximum Age (in years) 5, 00,000 p.a. (salaried) 7, 50,000 p.a. (self-employed) 21 58 (salaried) 65 (self-employed)

d. Minimum Loan Amount (Rs.) 500,000 e. Maximum Loan Amount (Rs.) 5,00,00,000 f. Maximum Tenor (in years) g. Interest Rate Type Note: Rs. 5,00,00,000 for applicants in Mumbai, New Delhi (NCR) and HSBC Premier customers. Rs. 3,00,00,000 for applicants of Bengaluru and Chennai. For Resident Indian/NRI professionals and self-employed applicants the maximum tenor is 20 years. The interest rate on your floating rate loan, if disbursed on / after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011. All loans at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India. Loans available for applicant and properties in and around the city limits of Mumbai, Pune, New Delhi(NCR), Bengaluru, Chennai, Ahmedabad, Chandigarh and Jaipur and are subject to change from time to time. To apply for a Smart Home, submit the following documents. Completed loan application form with one passport size photograph 25 Floating Interest Rate

Proof of individuals identity (any one of the following)

Passport Photo PAN card Defence identity card Voter's identity card

Driving license Photo ration card Government identity card

Proof of residence (any one of the following)

Passport Ration card Telephone (land/mobile) bill Electricity bill Driving license Society outgoing bill Voter's identity card Life Insurance Policy Only Passport can be used as both Proof of individual's identity and Proof of residence.

Proof of age (any one of the following)

Passport Valid driving license Voter's identity card Birth certificate School leaving certificate Letter from the employer stating the age of the employee LIC Policy or Premium receipt clearly indicating the applicant's age Applicable only for employees of select Public Limited Companies. Conditions apply.

Financial documents Salaried individuals

Latest salary slip showing statutory deductions AND Form 16 (Declaration from the employer giving the details of income and deductions, duly signed by an authorized signatory of the Company) OR Latest acknowledged IT returns AND Bank statements for the last 3 months

Self-employed individuals / Proprietor

Computation of income + P&L for the last 2 years certified by a C.A. OR P&L and balance sheet for the last 2 years certified by a C.A. AND

Copies of acknowledged IT returns for the last 2 years AND Bank statements for the last 6 months

Partnerships (Loans will be extended in favor of partners)

Computation of income + P&L for the last 2 years certified by a C.A. OR P&L and balance sheet for the last 2 years certified by a C.A. AND Copies of acknowledged IT returns for the last 2 years AND Bank statements for the last 6 months AND Partnership deed, letter of authority, Proof of office

Private Limited Companies (Loans will be extended in favor of Directors)

Computation of income + P&L for the last 2 years certified by a C.A. OR P&L and Balance sheet for the last 2 years certified by a C.A. AND Copies of acknowledged IT returns for the last 2 years AND Bank statements for the last 6 months Memorandum and Articles of Association Board resolution Authority letter from all Directors to accompany the application form with photographs of authorized signatories if not specified in the board resolution Proof of office

NRIs - You will be required to present the following documents: Salaried NRI Applicants

Copy of valid passport showing VISA stamps Copy of valid visa / work permit / equivalent document supporting the NRI status of the proposed account holder Latest contract copy evidencing Salary / Salary Certificate / Wage Slips Overseas Bank A/C for the last 3 months showing salary credits

Self Employed NRI Applicants

Trade license or equivalent document 6 months overseas bank account statement and NRE/ NRO account Computation of income, P&L account and Balance Sheet for last 3 years certified by the C.A. / CPA or any other relevant authority as the case may be (or equivalent company accounts) Passport copy with valid visa stamp Brief profile of the applicant and business

3. Other Loans A. Smart Loan against Property Save on interest payments with Smart Loan Against Property from HSBC With Smart Loan Against Property (SmartLAP) from HSBC you can raise funds easily against your self-occupied residential property and get flexibility to design your own repayment plan. Smart Loan Against Property Features & Benefits: Loan up to Rs. 3 crores

Tenure up to 15 years

Attractive Interest rates

Save up to 50% on interest payments by keeping excess money in the SmartLAP account.

The example below shows how much interest is reduced with a monthly saving of just Rs. 6000 over and above your EMI. Regular Loan Against Property HSBC's SmartLAP

Loan Amount (Rs.) Interest Rate Original Tenure EMI (Rs.) Actual EMIs paid Total Interest (Rs.)

25 lakhs 12.75% p.a. 15 years 31,221 180 31,19,766

25 lakhs 13.00% p.a. 15 years 32,042 118 19,64,057

Saving in Interest (Rs.) Savings in Tenure (months)

11,15,709 62 (34%)

Interest rates are merely indicative which can change from time to time depending on market conditions. Exclusive Smart LAP banking privileges for you

You can even use the Smart LAP Account as your main bank account for depositing and withdrawing money Along with your Smart LAP, get access to an HSBC Advance Account, with the following benefits: o Free access to 23,500 VISA ATMs across India, with your HSBC Advance Platinum Debit Card+ o Free cheque payable at par facility o Dedicated service desks and counters at branches o Financial planning services to help you plan your financial goals

Note: The usage of the card is governed by applicable terms and conditions. Rs. 2,00,000 to Rs. 3,00,00,000 for applicants in Mumbai, New Delhi (NCR) and HSBC Premier customers. Rs. 2,00,000 to Rs. 1,50,00,000 for applicants of Bengaluru and Chennai. The interest rate on your floating rate loan, if disbursed on /after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011. Currently Smart LAP is available in Mumbai, Pune, Delhi (NCR), Bengaluru and Chennai only and is subject to change from time to time. Terms and Conditions apply. All loans at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India. Loans available for applicant and properties in and around the city limits of Mumbai, Pune, New Delhi(NCR), Bengaluru, Chennai, Ahmedabad, Chandigarh and Jaipur and are subject to change from time to time. Please be advised that vide Notification No. 8/2009 - ST dated February 24, 2009, a service tax of 10% + 2% education cess + 1% secondary and higher secondary education cess thereon will be applicable on our fees and charges. B. Loan against Property

The important thing is to dream. For when you have a dream, the next challenge is in achieving it. HSBC Loan against Property makes sure nothing comes in the way of fulfilling that dream. So go on, while you make your plans, allow us to make sure they reach their heights. Features & Benefits: Loans up to Rs. 3 crores

Tenor of up to 15 years

Simple documentation

Attractive interest rates

Loan transfer You can also transfer your existing loan against residential property from another bank to HSBC.

Exclusive banking privileges Along with your Loan against Property account, get access to an HSBC PowerVantage account, with the following benefits:

Personal Financial Review (PFR) services Unlimited free transactions at over 15,000 HSBC and non-HSBC VISA ATMs in India, with your PowerVantage debit card Dedicated service desks at branches Higher cash withdrawal limit of up to Rs. 50,000 and funds transfer upto Rs. 100,000

Fees & Charges Processing fees A processing fee of 1% or Rs. 10,000 will be applicable, whichever is higher.

Pre-payment charges There will be no pre-payment charges up to a maximum of 25% of your outstanding loan, once, every financial year. A pre-payment charge of 4% shall be levied for amount in excess of 25%. Note: Rs. 2,00,000 to Rs. 3,00,00,000 for applicants of Mumbai, New Delhi (NCR) and HSBC Premier customers. Rs. 2,00,000 to Rs. 2,00,00,000 for applicants of Bengaluru and Chennai. Rs. 2,00,000 to Rs. 1,50,00,000 for applicants of Ahmedabad, Chandigarh, Jaipur and Pune. The interest rate on your floating rate loan, if disbursed on /after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011. Currently Loan against Property is available in Mumbai, Pune, Delhi (NCR), Bengaluru, Chennai, Ahmedabad, Chandigarh, Jaipur and Pune only and is subject to change from time to time. Terms and Conditions apply. All loans at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India. Loans available for applicant and properties in and around the city limits of Mumbai, Pune, New Delhi(NCR), Bengaluru, Chennai, Ahmedabad, Chandigarh and Jaipur and are subject to change from time to time. Please be advised that vide Notification No. 8/2009 - ST dated February 24, 2009, a service tax of 10% + 2% education cess + 1% secondary and higher secondary education cess thereon will be applicable on our fees and charges. C. Educational Loan Education is the greatest asset anyone can have. Recognizing this, HSBC, in affiliation with Global Student Loan Corporation (GSLC) has designed a student education loan program to provide funding for students who are seeking to attain a world-class education at a U.S college or university. HSBC India Student Education Loan Program can help ease students' financial concerns as they embark on one of the biggest decisions in their life attending the college / university of their dreams. The program enables you to borrow funds to cover the cost of education tuition, fees, room charges, boarding, books, and other education-related expenses. Global Student Loan Corporation - GSLC - is one of the leading organizations which enables non - U.S. students to find the path to a world-class education. With GSLC, you can access a student-specific Loan Certificate demonstrating adequate funding to attend school - a requirement for securing a U.S student visa. You can receive advice from GSLC's International Student Planner and remain at ease knowing that GSLC has extensive

relationships with many U.S colleges and universities. You will also be able to use GSLC's Budget Calculator to calculate how much will be needed towards funding your studies and receive guidance about budgeting for school. Features & Benefits: Loans up to Rs. 1 crore against Residential property

Tenor of up to 15 years

Attractive interest rates

Loan Components

The tuition fees component can go up to 100% of the total loan amount The lodging & boarding component is a maximum of 40% of the total loan amount The cost of books & equipment component is a maximum of 10% of the total loan amount The estimate for boarding, lodging expenses and also the cost of books and equipment needs to be confirmed by the concerned school.

Margin Money

HSBC India can fund a maximum of 85% of the total programme fees Upfront contribution proof of the remaining 15% of school fees must be submitted to HSBC, India prior to the disbursal

Currency

The loan is disbursed in Indian rupees (INR) from where the funds are forwarded to the concerned school in U.S. dollars The applicant / co-applicant must repay the loan in Indian Rupees (INR)

Fees & Charges Processing fees

1% of the loan amount applied for, subject to a minimum of Rs 5000 plus service tax. This fee is payable on application and is not refundable Additional fees, as charged by GSLC apply. (If applicable) o A one-time administration fee of 1.75% of the principal amount plus service tax (at 10.30%, totally 1.93%) shall be collected by HSBC and payable to GSLC o An upfront non-refundable site usage fee of $75 is payable to GSLC via Credit Card or PayPal through the GSLC website

Pre-payment charges

No pre-payment charge up to a maximum of 25% of the outstanding loan, once every financial year (April-March) A pre-payment charge of 4% shall be levied for the amount in excess of 25% of the outstanding loan amount Loan prepayment can be done only after six months from the disbursal date

Notes All loans are subject to terms and conditions and are at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India (HSBC India). The interest rate on your Education loan, if disbursed on / after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your Education loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011. Additionally, as per local regulations applicable in India, education loans are priced at a further discount of 50 basis points for female students in order to promote their education. HSBC India is happy to offer this as an additional discount on its interest rates to female students. The Education Loans are currently only available to borrowers with co-borrowers who reside in and / or have collateral in the following regions: Bangalore, Chennai, Mumbai, New Delhi (NCR - Noida, Gurgaon, Faridabad) and Pune. This is subject to change from time to time. Interest rates are subject to change from time to time on the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India (HSBC India). The loan shall be disbursed in Indian rupees, and all variations in the loan amount due to changes in the exchange rate shall have to be borne by the borrower. HSBC India shall not be liable for any loss to the borrower arising out of variation in exchange rates. Please be advised that vide Notification No. 8/2009 ST (Govt of India) dated February 24, 2009, a service tax of 10% + 2% education cess + 1% secondary and higher secondary education cess thereon will be applicable on our fees and charges.

Educational Loan - Eligibility & Documentation: To qualify for an Education Loan, the following criteria apply a. b. Net Income (Rs.) of Primary Applicant / co-applicant 500,000 per year for Salaried. 750,000 per year for Self-employed.

Minimum Age (in years) of 18 Primary Applicant / co-applicant

58 or retirement age (whichever is earlier) for salaried Maximum Age (in years) of at loan maturity. c. Primary Applicant / co-applicant 65 for self-employed. 60 or retirement age (whichever is earlier) for PSU/government salaried employees, at loan maturity. d. Minimum Loan Amount (Rs.) e. Maximum Loan Amount (Rs.) f. Loan to Value Ratio g. Collateral h. Location i. Primary Applicant j. Co-Applicant 500,000 10,000,000 65% up to education loan of INR 5 M, 55% for education loan between INR 5-10 M Residential Property. Either self-occupied or owned by either primary or co-applicant. Property must be in Bangalore, Chennai, Mumbai, Delhi (NCR Noida, Gurgaon, Faridabad), Pune. Must be the student. Must have a co-applicant in India and can only be parents or spouse of student. Co-applicant being considered when calculating the loan eligibility must be a resident Indian. Notes: All loans are subject to terms and conditions and are at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India (HSBC India). Loans available for applicants and properties in and around the limits of cities where HSBC India has branches and is subject to change time to time. Interest rates are subject to change from time to time on the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India (HSBC India). The loan shall be disbursed in Indian rupees, and all variations in the loan amount due to

changes in the exchange rate shall have to be borne by the borrower. HSBC India shall not be liable for any loss to the borrower arising out of variation in exchange rates. Please be advised that vide Notification No. 8/2009 ST (Govt of India) dated February 24, 2009, a service tax of 10% + 2% education cess + 1% secondary and higher secondary education cess thereon will be applicable on our fees and charges. Global Student Loan Corporation is registered trademark of Global Student Loan Corporation or its affiliates.

Basic documents required: Completed loan application form with one passport size photograph

An electronic confirmation of admission from school through GSLC system

Electronic confirmation through GSLC system of breakup of tuition fees, living expenses, expenses on books, etc., as issued by the university

Beneficiary declaration form, where both co-applicant and applicant would confirm that they are okay with the loan being disbursed in favour of the university Resident Indians - You will be required to present the following documents: Proof of individuals identity (any one of the following)

Passport Photo PAN card Defence identity card Voter's identity card Driving license Photo ration card Government identity card

Proof of residence (any one of the following)

Passport Ration card Telephone (land/mobile) bill Electricity bill Driving license

Society outgoing bill Voter's identity card Life Insurance Policy Only Passport can be used as both Proof of individual's identity and Proof of residence.

Proof of age (any one of the following)

Passport Valid driving license Voter's identity card Birth certificate School leaving certificate LIC Policy or Premium receipt clearly indicating the applicant's age Letter from the employer stating the age of the employee Applicable only for employees of select Public Limited Companies. Conditions apply.

Financial documents (all of the following) Salaried individuals

Latest salary slip showing statutory deductions AND Form 16 (Declaration from the employer giving the details of income and deductions, duly signed by an authorized signatory of the Company) OR Latest acknowledged IT returns AND Bank statements for the last 3 months

Self-employed individuals / Proprietor

Computation of income for the last 2 years certified by a C.A. OR P&L and balance sheet for the last 2 years certified by a C.A. AND Copies of acknowledged IT returns for the last 2 years AND Bank statements for the last 6 months

Terms and conditions apply. The above stated documentation is subject to change at the sole discretion of HSBC, India. Notes All loans are subject to terms and conditions and are at the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India (HSBC India). The interest rate on your Education loan, if disbursed on / after July 01, 2010 is linked to

HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your Education loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011. Additionally, as per local regulations applicable in India, education loans are priced at a further discount of 50 basis points for female students in order to promote their education. HSBC India is happy to offer this as an additional discount on its interest rates to female students. The Education Loans are currently only available to borrowers with co-borrowers who reside in and / or have collateral in the following regions: Bangalore, Chennai, Mumbai, New Delhi (NCR - Noida, Gurgaon, Faridabad) and Pune. This is subject to change from time to time. Interest rates are subject to change from time to time on the sole discretion of The Hong Kong and Shanghai Banking Corporation Limited, India (HSBC India). The loan shall be disbursed in Indian rupees, and all variations in the loan amount due to changes in the exchange rate shall have to be borne by the borrower. HSBC India shall not be liable for any loss to the borrower arising out of variation in exchange rates. Please be advised that vide Notification No. 8/2009 ST (Govt of India) dated February 24, 2009, a service tax of 10% + 2% education cess + 1% secondary and higher secondary education cess thereon will be applicable on our fees and charges. Home Loan Interest Rates Housing Loan Rate Of Interest Processing Charges

Floating Category

10% - 13% per annum

1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable 1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable

Fixed Category

11% - 14%* per annum

Fixed Rate loans are offered for a period of 12/24/36 months. Fixed rate not available for Smart Home & LAP. Loans - Service Charges HSBC Home Loan

Processing Charges

1% of the loan amount applied for, subject to a minimum of Rs 10,000 plus service tax. This fee is payable on application and is not refundable.

For Delayed installments on account of cheque, ECS or SI (standing instruction) dishonors Duplicate Statements Prepayment Charges Up to 25% of the loan amount sanctioned every financial year For amount in excess of 25% of the loan amount sanctioned

Rs 250 per instance

Rs 250 per statement

Nil

3% of amount prepaid

Note Pre-payment is permitted after a minimum of 6 months following the loan disbursal. For processing prepayment requests, customers are required to send us a written instruction communicating their desire to prepay. The interest rate on your floating rate loan, if disbursed on / after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011.

Switching Charges From Home loans to Smart Home and vice-a-versa 1.5% of the outstanding loan amount From Fixed Rate to Floating Rate (Allowed only after completion of fixed term) 1.5% of the outstanding loan amount From Floating Rate to Fixed Rate - At the time of annual review of account Nil - Any other time during the year 1.5% of the outstanding loan amount Smart Home 1% of the loan amount applied for, subject to a minimum of Rs 10,000 plus service tax. This fee is payable on application and is not refundable. Rs 250 per instance

Processing Charges

For Delayed installments on account of cheque, ECS or SI (standing instruction)

dishonors Duplicate Statements Prepayment Charges Up to 25% of the loan amount sanctioned every financial year For amount in excess of 25% of the loan amount sanctioned Nil Rs 250 per statement

3% of amount prepaid

Note Pre-payment is permitted after a minimum of 6 months following the loan disbursal. For processing prepayment requests, customers are required to send us a written instruction communicating their desire to prepay. The interest rate on your floating rate loan, if disbursed on / after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011.

Switching Charges From Smart Home to Home Loan and vice-a-versa 1.5% of the outstanding loan amount My Home For Delayed installments on account of cheque, ECS or SI (standing instruction) dishonors Duplicate Statements Prepayment Charges Up to 15% of the outstanding loan amount once in every financial year For amount in excess of 15% of the outstanding loan amount Nil

Rs 500 per instance

Rs 250 per statement

3% of amount prepaid

Note Pre-payment is permitted after a minimum of 12 EMIs and is not allowed during interest only

period. For processing prepayment requests, customers are required to send us a written instruction communicating their desire to prepay. The interest rate on your floating rate loan, if disbursed on / after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011.

Switching Charges From My Home to Home Loan or Smart Home 1.5% of the outstanding loan amount Loan against Property / Term Loan / Education Loan / Smart Loan Against Property 1% of the loan amount applied for, subject to a minimum of Rs 10,000 plus service tax. This fee is payable on application and is not refundable.

Processing Charges

For Delayed installments on account of cheque, ECS or SI (standing instruction) dishonors Duplicate Statements Prepayment Charges Up to 25% of the outstanding loan amount every financial year For amount in excess of 25% of the outstanding loan amount

Rs 250 per instance

Rs 250 per statement

Nil (Allowed only once in a financial year)

4% of amount prepaid

Note Pre-payment is permitted after a minimum of 6 months following the loan disbursal for processing prepayment requests, customers are required to send us a written instruction communicating their desire to prepay. The interest rate on your floating rate loan, if disbursed on / after July 01, 2010 is linked to HSBC's Base Rate. Any revision in the Base Rate would impact your interest rate. The Base Rate is 9.75% effective from August 02, 2011. The interest rate on your floating rate loan if disbursed prior to July 01, 2010 is linked to HSBC's Retail Lending Rate (RLR) and any revision in the RLR would impact your interest rate. The RLR is 17.00% effective from August 02, 2011.

Asset Link (Overdraft against Shares) Annual Service Charges Duplicate Statements Service Withdrawal Charge Unauthorized Overdraft / Over limit Charge for unsuccessful execution of Standing Instruction for payment / Cheque bounce charge Note The above is an extract of our tariff. HSBC Personal Loan Processing Charges Duplicate Statements Charge for unsuccessful execution of Standing Instruction for payment/Cheque bounce charge 2% of loan amount upon disbursal Rs 250 per statement 1.5% of limit. Rs 250 per statement Rs 200 per scrip (Max. Rs 500 per withdrawal) 2% over and above the applicable interest rate

Rs 250

Rs 250

Pre-payment charge

a. 4% of the prepaid amount b. Pre-payment is allowed only after 6 months from the date of loan disbursal

Note The above is an extract of our tariff.

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All foreign currency transactions through HSBC India are subject to Service Tax Currencies include USD, GBP, CAD, BHD, KWD, OMR, EUR, CHF, SEK, JPY, AUD, HKD, SGD, DKK, NOK, AED, NZD, SAR and QAR HSBC deals in select foreign currencies, and offers foreign exchange services to its existing bank account holders subject to FEMA guidelines. Foreign currency exchange rates are subject to change without any prior notice. This facility is available in select countries only. In India these services are subject to applicable restrictions under Foreign Exchange Management Act 1999. Outward transfers from India using HSBC Premier Internet Banking services are only permissible through NRE accounts. As per current local regulations the permissible remittance from the balances in NRO accounts is up to USD 1 million, per financial year for all bonafide purposes. The remittances (net of applicable taxes) will be allowed to be made on production of an undertaking by the remitter and a Certificate from a Chartered Accountant in the prescribed formats.