A Global Receivables Finance perspective for your BusinessRichard HaslamRegional Director, London

Date: 26th September 2013

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HSBC’s global presence reflects a truly international heritage HSBC's origins lie in the creation of The Hong Kong and Shanghai Banking Corporation Ltd in Hong Kong in 1865

to tend to the financial and trading needs of the business communities of the China coast Today, the HSBC Group is one of the largest banking organisations in the world with an international network

of 6,900 offices in over 80 countries HSBC Commercial Banking has long been the heart of what HSBC is all about; our bank was founded on trade

and built on deep relationships to help people do business around the world.

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A few words about our approach

We believe that a lasting relationship will grow out of

investing time to ensure we understand the needs of

your business.

We don’t make any assumptions about your business – we like to explore what makes it unique

Our service is very much relationship management based, we are driven by the desire to develop long-term and broad banking relationships that help you achieve your strategic objectives

HSBC’s network of Commercial Centres in the UK are well established and aim to provide tailored solutions to meet your requirements

Our service is geared towards helping you identify and capitalise on your opportunities.

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Answering your domestic and international needs

HSBC Invoice Finance - Funding

Up to 90% of the value of invoices can be released the next working day

Supporting both UK sales , and those to most global export destinations. Up to 213 separate countries and territories can be funded and protected

Funding available in most internationally traded currencies, with funding matched to invoice currency

Invoice Finance operations in 26 countries across the world

Improve competiveness by offering open account terms to buyers.

Enables prompt payment of staff and suppliers

“Best Factoring Institution” in 10 out of the last 12 years– Trade Finance Awards for Excellence.

David Gilbert, Senior Partner, BDO

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HSBC Invoice Finance’s transparent

pricing, expertise and ability to support a

client through good times and bad, make

them a great choice.

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Answering your needs

HSBC Invoice Finance - Credit Protection

We’ll pay you on credit protected debts if your customer becomes insolvent or at 120 days past due date, whichever comes first

100% protection as standard for UK and 90% for exports both with an agreed first loss

No limit to, and no extra charge for credit limit requests so you can react to sales enquiries quickly

No lengthy claims procedures or annual cap

Equally suited to UK and overseas sales

Protects hard earned profits with no interruption to cashflow.

They [HSBC] are the perfect partner for us and

provide early warnings for our customers whose

businesses could be struggling. The debt is

protected with HSBC and they help us screen the

customers for early warnings.

Mohammad Sajjad Baig, Closet Clothing Co Ltd

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Largest credit protection provider for Invoice Finance in the UK, providing £6bn of limit cover for customers

3 out of 4 credit decisions are made immediately.

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Answering your needs

HSBC Invoice Finance - Credit Management

Our professional credit controllers will collect payment on your behalf from your customers in the UK or overseas

We have credit control coverage in up to 15 languages

Dedicated Invoice Finance Manager and Credit Controller

Release management time to focus on growing the business

Keep up-to-date with your accounts whenever you want using Internet Invoice Finance

We collect around £300m of cash each month.

They [HSBC] seem very efficient. They do what

they say they will, they deal with our customers

well and understand when it may be difficult

getting some payments. They can be flexible and

they work with us.

First Invoice Finance company to be awarded Quality in Credit Management (QiCM) accreditation from the Institute of Credit Management.

Sonia Ranger, Powertraveller Ltd”

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Answering your online banking needs

Unparalleled online banking, to meet your requirements

HSBCnet - Flexible online banking for larger businesses that’s tailored to your company’s needs

Make international or SEPA payments; keep track of them and advise suppliers online

Get a global view of all your international bank accounts from one log-in

Our ‘Get rate’ service enables you to view and instantly book foreign exchange rates when making foreign currency payments.

Internet Invoice Finance – Access your Invoice Finance account whenever and wherever it suits you

Check your balance, see how your funding is calculated and draw it down when you need to

Get an instant decision on the majority of credit limit and new customer account requests.

I think the internet site is excellent.

They [HSBC] make things simple

and easy to use.

“Best Business Bank for Service 2010, 2011 & 2012” by Moneyfacts magazine

Susan Plant, Fullex Locks Ltd

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First UK Bank to offer full Chinese Renminbi services through HSBCnet.

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Over the last three years, through our Business Thinking and

Global Connections competitions, we have had over 5,000

applications, sent 138 business on International Exchanges

and given entrants access to over £3bn in lending.

further demonstrates our ongoing support of the very best in UK

business ambition, through a unique combination of lending and

access to our global network of expertise.

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Makeinvaluable

• Visit an exciting new market

• Raise company profile

• Gain access to lendingof up to £6m*

*Lending is subject to status. Usual credit approval processes will apply. Terms & Conditions apply and the Global Connections competition Terms & Conditions apply in addition and can be found at www.hsbc.co.uk/globalconnections.

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A major initiative combining the uniqueopportunity to meet and network with successful business leaders… PLUSAccess to millions in lending* with substantial financial rewards

*Lending is subject to status. Usual credit approval processes will apply. Terms & Conditions apply and the Global Connections competition Terms & Conditions apply in addition and can be found at www.hsbc.co.uk/globalconnections.

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45 selected regional finalistswill be invited to join us on one of our International Exchanges

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How Global Connections works

Businesses from 5 UK regions will be able to submit an application detailing their business

ambitions online at www.hsbc.co.uk/globalconnections by closing date 11.59pm

8 December 2013

The 9 most impressive businesses from each region will be invited on one of our International

Exchanges

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Global Connections: The Categories

This year, there will be three award categories as follows:

One SME prize for the company with the best strategic plan, best

future-focused thinking and future-proofing measures in place and a

good growth strategy

One SME prize for a company that has shown great business

evolution borne out of sound proposition development and outstanding

global implementation.

One MME prize recognising the mid market business we feel has

demonstrated most soundly the vision and leadership required to go

beyond SME status and fly the flag for British MMEs around the world

*Lending is subject to status. Usual credit approval processes will apply. Terms & Conditions apply and the Global Connections competition Terms & Conditions apply in addition and can be found at www.hsbc.co.uk/globalconnections.

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Raise your business profile withnational press coverage

Global Connections is run in conjunction with a media

partner, who will provide…

Press coverage throughout the Global Connections campaign

Publicity for all finalists and winners in print and online

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You can enter the competition if your business:

is based in the UK, has been trading for 2 years or longer and

has an annual turnover of £2 million to £100 million

can provide Profit & Loss and Balance Sheet

information for a minimum trading period of 12 months

can demonstrate your business plans, how you intend to put them

into action, and how you could benefit from HSBC to help grow

your business

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