Member of PIDM

EVERY INDIVIDUALSUCCESS STORYHAS ITS OWNSUPPORTING CAST

Welcome and thank you for choosing HSBC

Advance. We know that in life, even the most

personal ambitions are rarely achieved alone.

It’s your network of family, friends, colleagues

and contacts that inspires you to keep aiming

higher. So whatever your ambitions for the future,

they are more likely to be achieved with the help of

a team. At HSBC Bank, we’d never claim to play

a starring role in your successes, but we’re here

to help you in every way we can. Read on to see

how our priority service, preferential offers,

financial expertise and digital banking solutions

can help you achieve your goals for the future.

HSBC ADVANCEDESIGNED WITHYOUR NEEDSIN MIND

GETTING STARTED WITHHSBC ADVANCEHow to activate, register and utilise your banking tools.

HSBC Advance VisaPlatinum Credit Card

Once you have received your HSBC Advance Visa Platinum Credit Card, you can activate it by calling our 24 hour hotline1 at 1300 88 1388 or +603 8321 5400 (if you are calling from an overseas location).

HSBC Advance VisaDebit Card

Activate your HSBC Advance Visa Debit Cardin 3 simple steps:

1. Insert your HSBC Advance Visa Debit Card into an HSBC branch ATM in Malaysia.

2. Enter your bank issued PIN number and follow the instructions on the screen to change your PIN.

3. Your HSBC Advance Visa Debit Card will be activated and ready to use.

HSBC Personal InternetBanking

Start paying your bills, perform onlinetransactions and access your accounts withHSBC Personal Internet Banking anytime,anywhere by doing the following:

1. Click on the "Register" button on the top right hand side of the www.hsbc.com.my homepage.

2. Identify yourself with either yourTelebanking, Credit Card/Credit Card-i/Debit Card Number.

3. Enter your Personal Identification Number (PIN).

4. Create your Username.

5. Set your desired primary and secondary passwords.

6. Choose and answer two security questions.

7. Read and accept the Terms and Conditions. If you agree, please select “Yes”.

8. Please select and set your preferences. Review the details entered and if there are no changes to be made, click on "Confirm Changes".

9. To view your account summary, click on "Complete Registration".

To enjoy the convenience of the HSBC PersonalInternet Banking service, you will need toactivate your Security Device with the following steps:

1. Click on “Log on” for Personal Internet Banking on www.hsbc.com.my

2. Key in your Username.

3. Select “Log in with Security Device”.

4. Key in primary and secondary passwords.

5. Press “Yes” to continue for Security Device Activation Setup.

6. Input Security Device Serial Number and Security Code.

7. Enter the last 3 digits of the mobile phone number registered with the bank.

8. Input the Authorisation Code that is sent to your mobile phone to complete the activation.

If you have not received your Security Device, you may visit any nearest HSBC Bank branch to obtain the Security Device.

HSBC’s wealthdashboard

Be in control of your wealth portfolio by consolidating all your holdings with HSBC in one platform that you may use for reference when you need to make decisions to enhance your wealth.You can access and monitor your investment conveniently by just logging in to your HSBC Personal Internet Banking.

To understand how HSBC’s wealth dashboard works, you can view the demo at www.hsbc.com.my/wd

HSBC Mobile Bankingapp

HSBC Mobile Banking app lets you access andmanage your HSBC accounts quickly and securelyfrom your mobile device 24 hours a day. Here’s a quick view on the HSBC MobileBanking app services:

• View your account balances andtransaction history

• Transfer funds between your HSBC accounts

• Pay bills to the merchants in your payee list

• Perform Interbank GIRO transactions

• Open local currency or foreign currency time deposit account

• Locate HSBC ATMs and branches

• Send and receive secure messages with HSBC

HSBC Mobile Banking app can be easilyaccessed with the following devices:

• Apple® iPhone® iOS 6.0 and higher.

• AndroidTM – powered devices withplatform 2.3 and higher. However, customers are strongly recommended to upgrade to Android version 4.0 and above which has enhanced security features.

In order to download the HSBC Mobile Bankingapp, you need to be registered for HSBC Personal Internet Banking and have your Personal InternetBanking credentials readily available (Username,Memorable Answer, and Password). Once you are registered, simply download the app from the App StoreSM or Google Play™.

• Use the same Personal Internet Banking credentials (Username, Password, and Security Device) to access your HSBC accounts.

HSBC Telebanking

24 Hour hotline1

1300 88 1388or+603 8321 5400 (if you are calling from overseas)

This service is available if you have opted for HSBC Telebanking service during the account opening process. You will be provided with your 6-digit Telebanking Personal Identification Number (TPIN) and 10-digit Personal Banking Number (PBN) or 16-digit Credit Card number (if applicable), which will be needed to access HSBC Telebanking service.

If you have not opted for this earlier and wish to use HSBC Telebanking service, you may request for TPIN to be sent to your mailing address.

Global View/GlobalTransfer support2

Global View/Global Transfer allows you to view and manage your HSBC accounts from anywhere in the world via HSBC Personal Internet Banking. Simply link your HSBC accounts to Global View by selecting the country/territory where your accounts are held. Enter individual username and security details for each account. Once done, your accounts will appear in your Global View and you may start transferring2 funds between your accounts with a minimal fee of USD7 (RM23.32 equivalent).

• Get access to selected Mobile Banking app services by using Username with Primary and Secondary Passwords, or get access to the full Mobile Banking app service by using Security Device. To get your Primary and Secondary Passwords, please register at www.hsbc.com.my.

• If you are accessing the HSBC Mobile Banking app service from a non-Apple or Android mobile device, visit www.hsbc.com.my/mobile.

• For easy navigation, please bookmark the web address on your mobile device.

• Balance enquiry

• Total Relationship Balance

• Fund transfer

• Bill Payments

• Recent Transaction Records

• Remittance records

• Issued cheque status

• All deposit rates enquiry

• Exchange rates enquiry

• Transaction enquiry

Services providedby HSBCTelebanking

Bank account anddeposit services

• User tips and guide

• Setup automatic account registration

• Change PIN

Telebankingservice

Details

• Change of address

• Joint account address update

• Cheque book request

• Statement request

• Reactivation of dormant account (if account is linked to Telebanking)

• Personal Internet Banking related enquiry

• Global View/Global Transfer support enquiry

• Branch location enquiry

• ATM, Cash and Cheque Deposit Machine location enquiry

Assistance andrequest

• Annual Interest Statement retrieval

• Balance check

• Overdue payment

• Loan redemption statement

Mortgages

• Emergency Encashment

• One Day Redirection – lost/stolen of Credit Card (selected branch only)

• MasterCard International Emergency Replacement

Emergency service

Easy access and control of your money whenever you need it, wherever you are

As an HSBC Advance customer, you can do your day-to-day banking any time of the day. Internet, telephone and mobile banking keep you in control of your money, wherever you are in the world. You’ll also enjoy a range of extra benefits such as real-time international fund transfers between your HSBC accounts. Because if there’s a way we can help, we will.

• Priority service at selected branches

• A team of well-trained Advance Managers to handle banking enquiries

• Secure Personal Internet Banking service for all your HSBC accounts worldwide around the clock, with real-time transactions and wealth management services

• Dedicated support from our Telebanking team, 24 hours a day, seven days a week

• Global privileges and recognition at HSBCs worldwide:Overseas HSBC ATMs withdrawal at RM5.30 per transaction

• International fund transfers between your HSBC accounts with our Global Transfers Service (subject to a fee of RM23.32 (USD7 equivalent) for each transaction)

• Emergency cash abroad from any HSBC branch (available with authorisation from home country with a limit of up to USD10,000)

• Receive banking notification via internet mail for consolidated monthly account statement and receive banking alerts immediately when you are performing 3rd party transfers

• Other Advance products include: Advance Visa Debit Card (with daily withdrawal limit of RM5, 000), Advance Current/Checking/ Savings Accounts for all Advance customers

Online, on mobile, and on your sideWhether you are trying to manage your cash flow or are

making big plans for the future, our digital financial tools

are here to help. These tools make it easier and faster for

currencies conversion, calculation of loans instalment and

keep track of your financial progress online or via our

Mobile Banking app. Simply because whatever your

ambitions, we want to help you get there at a pace that

suits you.

• One consolidated statement via Personal Internet Banking(e-Statement)

• Instant access to the latest market information, including exchange rates and deposit rates

• Receive banking notification alerts to stay on track ofyour finances

• Online tools include Wealth Dashboard, Mortgage Calculator and Tools, Personal Financing Calculator and Cash Instalment Plan Calculator

• Mobile Banking app – available on smartphones and tablets (Apple® iPhone® iOS 6.0 and higher or AndroidTM – powered devices with platform 2.3 and higher, not applicable for Android tablets.)

Financial expertise and support, tailored to your needsNo matter how good you are with your money, there will

be times when you want a little assistance or support.

That’s why our team of Advance Managers will be more

than happy to talk to you in person or over the phone

about any of your financial needs. So whether you’re

planning a move or just planning ahead for the future,

we’ll support you in every way we can.

• A team of well-trained Advance Managers to help you reach your goals and handle your day to day banking enquiries

• Complimentary Financial Review to support your financial needs

• Savings and investment plans to help you save, build wealth and plan ahead for the future

Preferential offers and rewards,just for youThere’s no such thing as a typical HSBC Advance customer.

Which is why we make the effort to understand your needs.

We’ll provide localised offers and rewards that we think

you’ll be interested in, as well as discounts that we’re sure

you’ll enjoy.

• Enjoy preferential rates on selected products

• HSBC Advance Visa Platinum Credit Card with fee waiver and our HSBC Smart Privileges programmes which offer different discounts and rebates

• Two (2) complimentary MEPS withdrawals per month (includes MEPS Instant Transfer)

• Complimentary unlimited Interbank GIRO (“IBG”) transfer services via Internet/ Mobile Banking

^ This is a Shariah compliant product of HSBC Amanah Malaysia Berhad, an Islamic subsidiary of HSBC Bank Malaysia Berhad

THINGS YOU NEED TO KNOW ABOUTHSBC ADVANCE ACCOUNT

HSBC AdvanceEligibility Criteria

You should be aware that….

To be eligible for HSBC Advance, you are required tosatisfy one of the following criteria:

Other important things you need to know

If your Total Relationship Balance (TRB) falls below the minimum required balance of RM30,000, an Account Fee of RM10.60 is chargeable for every month theTRB requirement is not fulfilled.

Calculating your Total Relationship Balance

The Total Relationship Balance of your sole account will include balances from your related joint accounts. To protect your privacy, we will not include sole account balances when calculating the Total Relationship Balance for joint accounts. This means that jointaccounts will need to maintain a separate Total Relationship Balance.

For Advance eligibility via the Home Loan/Financing criteria, you are entitled to enjoy perpetual fee waiver until full settlement of the Home Loan/Financing. Thereafter, you are required to meet the TRB requirement.

Customername

Accounttype

Accountbalance forthe month

Total RelationshipBalance for themonth

AccountFee

A + B Joint RM10,000 RM10

A Sole RM20,000 RM20,000 (Sole) + RM10,000 (Joint)= RM30,000

Waived

B Sole RM30,000 RM30,000 (Sole) + RM10,000 (Joint)= RM40,000

Waived

InterbankGIRO (IBG)transactions

You should be aware that….

You can remit and transfer funds from your HSBC Advance account into any accounts at participating IBG banks for free.

Other important things you need to know

HSBC Advance gives you unlimited IBG transactions to any accounts at participating IBG banks.

Funds remitted before 12.30pm will be received on thesame day while funds remitted after 12.30pm will be available the next banking day.

EmergencyEncashmentservice

You should be aware that….

In order to facilitate the application process of the encashment service abroad, you will need to produce your HSBC Advance Visa Debit Card, HSBC Advance Visa Platinum Credit Card, your HSBC Advance Account bank statement or cheque book. You may also be required to produce your National Identification Card, Passport or photo card driving licence for identification purposes.

Other important things you need to know

Please note that the application for emergency funds is subject to approval from your home country and local regulations with a limit of up to USD10,000. The cash will be provided in the local currency of the country in which you are in, and will be debited from your Advance account within 7 working days.

Applicable for HSBC Perks@Work or CEPs Plus customers only. This criteria allows you to enjoy 24 months Account Fee waiver, after which, you are required to meet the TRB criteria.

If you have been paying the Account Fee for a consecutive period of 12 months, your HSBC Advance account will automatically be redesignated to an HSBC Basic Current Account.

To find out more about HSBC Advance, please visit our website at www.hsbcadvance.com.my

(a) Deposits in Current Account, Savings Account, Time Deposits, and/or Investment in Unit funds, Structured Investments*, Dual Currency Investments* and/or Direct Retail bond*, and/or Cash value from Family Life Insurance products with investment-linked and savings components.

(b) Minimum Home Loan/Financing of RM300,000

(c) Minimum monthly salary of RM5,000 credited into HSBCAdvance Account for HSBC Perks@Work or CEPs Pluscustomer only

*From 1 September 2014, there products are no longer available for Advance customers.

Personal ambitions are never achieved alone. If you’ve got big plans

for the future, HSBC Advance can help you achieve them. So if you have any

questions or would like to find out more, please visit our website, give us a call

or drop by at your local branch.

Click : www.hsbcadvance.com.my

Call : 24 Hour hotline at 1300 88 1388 or +603 8321 5400 (if you are calling from overseas)

Visit : Your nearest HSBC branch5

Global View &Global Transfer2

You should be aware that….

List of participating countries for Global View & Global Transfer.

HSBC AdvanceVisa Debit Card

You should be aware that….

An annual fee of RM8.48 will be applied. As for the issuance and replacement of debit card, it is chargeable at RM8.48 and RM10 respectively.

Other important things you need to know

The daily purchase limit is set at RM1, 000 with the option to increase to RM3,000. You can visit any of HSBC Bank branch to increase your purchase limit.

The daily ATM cash withdrawal limit is set at RM5,000. You can visit any of HSBC Bank branch to increase your withdrawal limit.

Other important things you need to know

• Global limit – USD1,000,000 This daily limit cannot be exceeded in any 24-hour period.

• Transaction limit – USD100,000 per transaction subject to not exceeding the Global limit in any 24-hour period

• Entity Limit – USD100,000 per transaction subject to not exceeding the Global limit for all entities except countries who have local regulatory restrictions.

• Set your own transfer limit but it cannot exceed the Global limit.

Australia

Bahrain

Bermuda

Brazil

Brunei

Canada

Cayman Islands

China

Colombia±

Egypt

France

Greece

Hong Kong

India4

Indonesia

Jersey (HSBC Expat)

Jordan

Lebanon

Macau

Malaysia

Malta

Mexico

New Zealand

Oman

Pakistan

Paraguay

Qatar

Singapore

South Korea±

Sri Lanka

Taiwan

United ArabEmirates

United Kingdom

United States

± Global Transfer is not available in these countries.

WILAYAH PERSEKUTUAN - KUALA LUMPUR

Kuala Lumpur -Leboh Ampang

No 2, Leboh Ampang,50100 Kuala Lumpur

03 - 20753000

Bukit Bintang Menara GenesisNo 33 Jalan Sultan Ismail,50250 Kuala Lumpur

03 - 21425470 03 - 88941700

Damansara Level 1 AnnexeMenara Milenium,Jalan Damanlela,Pusat Bandar Damansara,Damansara Heights,50490 Kuala Lumpur

03 - 88941070/1/2 03 - 20932321

Kepong No 43 & 45,Jalan Metro Perdana 7,Taman Usahawan Kepong,Kepong Utara,52100 Kuala Lumpur

03 - 2182599703 - 62595025

Plaza Mont Kiara Plaza Mont KiaraNo 2, Jalan Kiara,Mont Kiara50480 Kuala Lumpur

03 - 2075750203 - 62011485

Jalan Ipoh 460 Jalan Ipoh,51200 Kuala Lumpur

03 - 4047360103 - 40473605

SELANGOR DARUL EHSAN

Damansara Utama Lot 55, 57 & 59, Jalan SS21/37,Damansara Utama,47400 Petaling Jaya

03 - 2182900003 - 7725736403 - 77257384

Klang No 2 Lorong Tiara 2A,Bandar Baru Klang,41150 Klang

03 - 3375280003 - 3344424903 - 33444202

Petaling Jaya No 17-23 Jalan Sultan,46200 Petaling Jaya

03 - 2182 9093 03 - 7957 2591

To find the nearest HSBC branch5 in Malaysia:

SELANGOR DARUL EHSAN

JOHOR DARUL TA'ZIM

Batu Pahat No 32A-C Jalan Rahmat,83000 Batu Pahat

07 - 4363800

Johor Bahru No 1 Jalan Bukit Timbalan,80000 Johor Baru

07 - 219850007 - 2243677

Taman Molek No 44 & 46 Jln Molek 1/10,Taman Molek,81100 Johor Bahru

07 - 219840007 - 3573710

Muar No 15 Jalan Petrie,84000 Muar

06 - 956520006 - 9528651

NEGERI SEMBILAN DARUL KHUSUS

Seremban 50-52 Jalan DatoBandar Tunggal,70000 Seremban

06 - 768320006 - 7636393

Semenyih No 1 Jalan KP 1/2,Taman Kajang Prima,5 Kilometer Jalan Kajang,Semenyih,43000 Selangor

03 - 88941100 03 - 87373810

Subang Jaya Unit 2A & 2A-A,Jalan USJ 10/1B,47610 UEP Subang Jaya,Selangor Darul Ehsan

03 - 2182589003 - 80244154

Sungei Choh No. 5, Jalan Seri Pagi 1,Pusat Perdagangan Seri Pagi,48200 Sungei Choh,Rawang, Selangor

03 - 20757280 03 - 6091503903 - 60915068

Puchong No 7 Jalan Kenari 5,Bandar Puchong Jaya,47100 Puchong

03 - 21829200 03 - 80751492

PAHANG DARUL MAKMUR

Bentong No 74 & 75 Jalan Loke Yew,28700 Bentong,Pahang

09 - 221060009 - 2221650

Kuantan No 1 Jalan Mahkota25000 Kuantan

09 - 505720009 - 5141319

Mentakab No 72 Jalan Temerloh,28400 Mentakab

09 - 271200009 - 2771482

Raub No 5-7 Jalan Tun Razak,27600 Raub

09 - 221070009 - 3551472

Cameron Highlands No 31-32 Main Road,39000 Tanah Rata,Cameron Highlands

05 - 4936600 05 - 4911388

PERAK DARUL RIDZUAN

Ipoh No 138 Jalan Sultan Yussuf,30000 Ipoh, Perak

05 - 208380005 - 2536771

Taiping No 2 Jalan Simpang,34000 Taiping, Perak

05 - 8200300 05 - 8072548

Teluk Intan No 2A Jalan Mahkamah,36009 Teluk Intan, Perak

05 - 629969905 - 6212748

KEDAH DARUL AMAN

Alor Star No 2 & 3 Kompleks PerniagaanSultan Abdul Hamid,Persiaran Sultan Abdul Hamid,Alor Setar, Kedah

04 - 770820004 - 7713962

Sungei Petani 69 Jalan Ibrahim,08000 Sungei Petani

04 - 4299300 04 - 4217151

PULAU PINANG

Bayan Baru No 26, 28 & 30Persiaran Bayan Indah,Bayan Bay11900 Penang

04 - 259523004 - 6423804

Butterworth No 4778 Jalan Bagan Luar,12000 Butterworth

04 - 259540004 - 3324778

SABAH

Kota Kinabalu 56 Jalan Gaya,88000 Kota Kinabalu

088 - 518600088 - 213041

Sandakan No 1 Jalan Pelabuhan/Leboh 3,90000 Sandakan

089 - 248300089 - 273212

Tawau Fajar ComplexJalan Persatuan,91000 Tawau

089 - 775722089 - 762233

KELANTAN DARUL NAIM

Kota Bahru Bangunan KWSPJalan Padang Garong,15000 Kota Bahru,Kelantan

09 - 745980009 - 7481333

TERENGGANU DARUL IMAN

Kuala Terengganu No 57 Jalan Sultan Ismail,20200 Kuala Terengganu

09 - 627150009 - 6223237

Penang No 1 Downing Street,10300 Penang

04 - 259550004 - 2626206

MALACCA

Malacca No 777 Jalan Hang Tuah,75300 Melaka

06 - 289620006 - 2830041

SARAWAK

Bintulu No 25-27 Jln Law Gek Soon,LB1 Box A218,97000 Bintulu

086 - 850800086 - 313771

Kuching Bagunan BinamasJalan Padungan,93100 Kuching

082 - 221500082 - 421668

Miri Lot 1623, Pujut 1A,Pujut-Lutong Road,98000 Miri Sarawak

085 - 463000085 - 628954

Sibu No 131 Jalan Kg Nyabor,96000 Sibu

084 - 367000084 - 327902

WILAYAH PERSEKUTUAN - LABUAN

Labuan 4 Jalan Merdeka,87007 Labuan

087 - 599000087 - 415088

Notes

1 Local/International call charges apply.

2 Global Transfer refers to transfers made between HSBC accounts of the same individual or to a joint account with the same individual as one of the account holders.

3 Total Relationship Balance denotes a combination of deposits and/or investments held with HSBC. This includes Advance Account (eligible for protection by PIDM), Time Deposits/Term Deposits-i (eligible for protection by PIDM), Unit Trust funds and/or Shariah-compliant Unit Trust funds (not insured by PIDM), and/or Single Contribution Plans.

4 All remittances to and from India are subject to service tax.

5 For updated locations of HSBC branches in Malaysia, log on to www.hsbc.com.my