Financial Services Guide (FSG)

Issued by HSBC Bank Australia Limited ABN 48 006 434 162, AFSL/Australian Credit Licence No. 232595.

ABOUT THIS GUIDEDate prepared: 1st July 2017

This Financial Services Guide (Guide) describes the services HSBC Bank Australia Limited ABN 48 006 434 162

(HSBC, we, us or our) offers under our Australian Financial Services Licence (AFSL): 232595.

This Guide is designed to help you decide whether our products and services are right for you and to know

what to expect from a relationship with us.

Unless otherwise stated, all fees, charges and commissions disclosed in this FSG are inclusive of the Goods

and Services Tax (GST).

HOW WE PROVIDE FINANCIAL ADVICEHSBC Financial Advisers are representatives of HSBC and provide general and personal financial advice to

customers in Australia on our behalf under AFSL: 232595.

WHO IS THIS GUIDE FOR?

Information on financial products

Personal financial advice

Long-term support for investing

Personal Advice & Financial Planning

Ongoing Advice

This guide is for anyone seeking

We can provide you with...

General Advice (directed by you)

THE RIGHT SUPPORT FOR YOU IN FIVE SIMPLE STEPS

CONTACT HSBC BY:

CLIENT ACKNOWLEDGEMENT

contacting your HSBC Financial Planner

calling us on 1300 308 008, Mon-Fri 8am-6pm

writing to us at GPO Box 5302 Sydney NSW 2001

Our head office is located at :

Tower 1 International Towers Sydney, 100 Barangaroo Ave, Sydney NSW 2000 Australia.

faxing us at (02) 9006 5088

visiting our website at hsbc.com.au; and

visiting one of our branches.

I acknowledge that I have received the Financial Services Guide dated 1 July 2017.

Client(s) signature Date received

STAGE 01 STAGE 02

STAGE 03

STAGE 04

STAGE 05

We discuss your goals for the future. We build a plan to help

you achieve them.

We recommend suitable products and strategies.

We support you to put the plan into practice.

We review your progress and

discuss changes to your life.

To learn more about a financial product, or make an investment transaction.

General Advice & Execution At your request, an HSBC Financial Planner provides you with general information on a financial product, or makes an investment transaction for you.

Theres no charge for general advice. Investment transactions we complete for you are charged between 1% 2.5% pa of your investment balance, tiered according to its size.

To find out which financial products are right for me.

Personal Product Advice Directed by you and considering your current situation and goals for the future, an HSBC Financial Planner advises you on financial products suitable for your needs.

Personal advice varies in price depending on the complexity of the advice provided. Expect to pay between $1,500 $4,000. We may also charge an implementation fee between 1% 2.5% of investment balance.

To take control of my finances and put a plan in place for my money.

Financial Planning After reviewing your current circumstances and goals for the future, an HSBC Financial Planner works with you to build a plan to help you grow wealth.

Fees for financial planning are tiered depending on the complexity of the advice provided. Expect to pay between $5,000 $8,000. We may also charge an implementation fee between 1% 2.5% of investment balance.

To receive ongoing financial advice and administrative support.

Ongoing Advice An HSBC Financial Planner provides regular investment portfolio and/or financial plan reviews to keep you on track.

Ongoing advice is priced according to the frequency of portfolio reviews (quarterly, semi-annually and annually) and/or complexity of plan reviews. Expect to pay between $2,500 $10,000 pa. You can opt out of these services at any time.

Financial Services Guide (FSG)

This lists the products and services we provide and what to expect in a relationship with us.

Personal Financial Record (PFR)

This outlines your personal details, current financial position and future goals. We use this document to prepare personalised advice for you.

Statement of Advice (SOA)

This is a record of the financial plan prepared for you by a financial planner. It lists your goals, the advice, the risks of implementing the plan and relevant fees.

Product Disclosure Statement (PDS)

This details the features of a specific financial product. We will issue you a PDS when you request specific product information.

Terms of Ongoing Service (TOS)

This details the terms and conditions of an Ongoing Service Arrangement. You will need to sign one of these to receive ongoing service from HSBC.

Record of Advice (ROA)This records the advice provided by an HSBC Financial Planner in accordance with the plan laid out in a SOA.

Customer Directed Transaction (CDT)

If you instruct us to carry out investment transactions of your behalf, this arrangement will be recorded in a CDT.

We can advise you on the following products including:

Banking

transaction and savings accounts

foreign currency accounts, and

term deposits.

Wealth building

interests in managed investment schemes including investor directed portfolio services

managed funds

wholesale bonds

margin loans, and

investments available through platforms.

Personal protection

general insurance products, and

investment, life and life risk insurance products and any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds.

Retirement planning

superannuation

self-managed superannuation funds (SMSF), and

annuities.

WE PROVIDE A RANGE OF FINANCIAL PLANNING AND SUPPORT SERVICES TO HELP YOU ACHIEVE YOUR GOALS

I would like We provide What does it involve? How much does the service cost?

Which financial products can HSBC advise me on?

What documents may I be provided with?

INSTRUCTING YOUR FINANCIAL ADVISER

You can provide instructions to your financial adviser

in person, or through email or fax. We may require your

signature for verification.

We may also act as agents of other companies to

recommend their products to you. In this case, those

companies rather than HSBC are bound by the terms

of their products. You will need to contact the relevant

company to find out how to give them instructions.

Further details are set out in the Product Disclosure

Statement for each product.

OTHER FEES AND CHARGES PAYMENTS FROM PRODUCT PROVIDERS

HSBC manages, markets, issues and provides products and

services, including products from external product issuers.

For an up-to-date list of external product issuers, visit our

website hsbc.com.au

When you invest in a product offered by us, we will receive

fees in relation to your investment. We also receive initial

and ongoing fees from insurance product providers when

you purchase a product we have recommended for the

duration of the period that you hold it.

Details of fees and charges we receive for issuing products

are contained within the relevant Product Disclosure

Statements or the Statement of Advice or client fee

agreement provided by a financial adviser.

HSBC is exempt from the requirements of s912B of the

Corporations Act 2001, however the compensation

arrangements necessary under that section are in place.

If you purchase a life insurance product we recommend to

you, we may receive commissions of 30%-130% upfront,

and 10%-30% ongoing from the product provider.

ADVISER REMUNERATION

In addition to base salary, our employees may also receive

bonuses and other rewards based on a remuneration

incentive scheme which may (to a limited extent) have

regard to recommendations and referrals they make.

PRIVACY

In accordance with the Privacy Act, we keep information

about you confidential, except in certain situations, such

as where disclosure is:

compelled by law (e.g. a disclosure to a court which

is required by a subpoena)

necessary to protect our interests

made with your consent; or

or where we have a duty to the public to disclose.

HSBC privacy policy explains our approach to privacy.

You can get a copy from our website hsbc.com.au

or in branch.

HOW TO RAISE A CONCERN

If you have a question or complaint regarding our services,

contact our Customer Relations Team on 1300 308 188, or

if you are calling from overseas: +61 2 9005 8181.

Alternatively, you can visit our website at hsbc.com.au and

raise your concerns via the Contact Us icon.

If youre not satisfied with our response, you can contact the

Financial Ombudsman Service Limited (FOS). This is an

independent and impartial body which provides a free

external dispute resolution procedure.

CONTACT DETAILS

Phone 1300 780 808

Website: fos.org.au

Email: info@fos.org.au

Address: Financial Ombudsman Service Limited,

GPO Box 3, Melbourne VIC 3001 (Australia).

If you believe you have been a victim of professional

misconduct, you can report this to the Australian Securities

and Investments Commission (ASIC) on 1300 300 630.

For more information on ASICs responsibilities in this area,