Revision of HSBC Premier Account Terms and Conditions
7 November, 2011
HSBC Premier will revise the HSBC Premier Terms and Conditions, which form the basisof the transactions under the HSBC Premier Account. The revised HSBC Premier Terms
and Conditions will come into effect as from 7 November, 2011.
For the revised provisions of the Terms and Conditions, please refer to the Comparative
Table below.
For enquiries, please contact your Relationship Manager or our Call Centre (English 0120777-268, 24 hours/365 days). Thank you for banking with HSBC Premier.

Comparative Table for the revision of HSBC Premier Account Terms and Conditions●Changes effective as from 7 November 2011
ArticleSection 17(Preamble)

Section 17.
Article 1,
Application andContents of theService
Paragraphs 1, 2and 4(Changed parts underlined)

Current

NewTerms and Conditions for Automatic Remittance
ServiceTerms and Conditions for Standing Instruction
ServiceThe Terms and Conditions for AutomaticRemittance Service (hereafter in this Section, the“Terms and Conditions”) provide for the Bank’s
handlings for the automatic remittance service(the “Service”) for the Customer holding thePremier Account with the Bank.

The Terms and Conditions for StandingInstruction Service (hereafter in this Section, the“Terms and Conditions”) provide for the Bank’s
handlings for the Standing Instruction Service(the “Service”) for the Customer holding thePremier Account with the Bank.

1. In order to start the use of the Service, theCustomer shall complete the necessary itemsin the automatic remittance service application
form prescribed by the Bank and submit it tothe Bank with affixing the seal (or signature)registered with the Bank.

1. In order to start the use of the Service, theCustomer shall complete the necessary itemsin the application form for the Service
prescribed by the Bank and submit it to theBank with affixing the seal (or signature)registered with the Bank.

2. The Service is the service under which theBank will repeatedly and automatically
execute the transaction provided for in any ofthe following Items (the “Transaction” ) for the
Customer’s Yen Savings Account or Multi
Currency Savings Account (the “DesignatedTransaction Account”) in accordance with theconditions described in the automatic
remittance service application form:

2. The Service is the service under which theBank will repeatedly and automatically
execute any of the following transactions (the“Transaction” ) for the Customer’s YenSavings Account or Multi Currency Savings
Account (the “Designated TransactionAccount”) in accordance with the conditions
described in the application form for theService:(i) Automatic remittance service (To OtherBanks in Japan)
Yen-denominated local remittancetransaction to the recipient’s deposit accountwith the head office or a branch of any
domestic financial institution other than theBank, which is effected by debiting the funds
to the Designated Transaction Account(limited only to Yen-denominated account), inaccordance with the conditions described inthe form designated by the Bank for Yendenominated automatic remittance service
for the remittance to other banks in Japan.

(i) Standing Instruction Service (To Other Banksin Japan)
Yen-denominated local remittancetransaction to the recipient’s deposit accountwith the head office or a branch of any
domestic financial institution other than theBank, which is effected by debiting the funds
to the Designated Transaction Account(limited only to Yen-denominated account), inaccordance with the conditions described inthe application form designated by the Bank.

(ii) Automatic remittance service (OverseasRemittance)
Yen-denominated or foreign-currencydenominated overseas remittancetransaction to the recipient’s deposit accountwith the head office or any overseas branchof the Bank or with the overseas head officeor any branch of any financial institution
other than the Bank, which is effected bydebiting the funds to the DesignatedTransaction Account, in accordance with theconditions described in the form designatedby the Bank for overseas automatic
remittance service.

(ii) Standing Instruction Service (OverseasRemittance)
Yen-denominated or foreign-currencydenominated overseas remittancetransaction to the recipient’s deposit accountwith the head office or any overseas branchof the Bank or with the overseas head officeor any branch of any financial institution
other than the Bank, which is effected bydebiting the funds to the DesignatedTransaction Account, in accordance with theconditions described in the application form
designated by the Bank.

(iii) Automatic Remittance Service (Transferwithin HSBC)
Yen-denominated local transfer transaction
between the deposit accounts within theCustomer’s Premier Account, or to therecipient’s deposit account with a branch of
the Bank in Japan, which is effected bydebiting the funds to the DesignatedTransaction Account, in accordance with theconditions described in the form designatedby the Bank for automatic remittance service
for the transfer within HSBC.

(iii) Standing Instruction Service (Local Transfer
within HSBC)
Yen-denominated or foreign-currencydenominated local transfer transaction
between the deposit accounts within theCustomer’s Premier Account, or to therecipient’s deposit account with a branch of
the Bank in Japan, which is effected bydebiting the funds to the DesignatedTransaction Account, in accordance with theconditions described in the form designatedby the Bank. However, in case that suchtransfer is to be made between a resident
and a non-resident of Japan or between nonresidents of Japan, the Bank may handle
such transaction under the separate
conditions designated by the Bank.

4. For the request for overseas remittance using
the Service, the confirmation process
stipulated by the foreign exchange related
laws and regulations as provided for in Article
3 of “Section 11: Terms and Conditions forOverseas Remittance and Demand Draft
Issuance” shall be performed.

4. For any request for the Service of anoverseas remittance or of a transfer within theBank in which at least one of the parties is a
non-resident of Japan, the confirmation
process provided for in Article 3 of “Section
11: Terms and Conditions for Overseas
Remittance and Demand Draft Issuance” shallbe performed as required under the foreignexchange related laws and regulations.

Section 17.
Article 2,
Commencement ofthe Service

The date designated by the Customer on theautomatic remittance service application formshall be the commencement date of the Service
related to such application.

The date designated by the Customer on theapplication form for the Service shall be thecommencement date of the Service related tosuch application.

Section 17.
Article 4,DesignatedContents ofRequest for theService
Paragraphs 1, 2and 3

1. In applying for the Service, the Customer shalldesignate one of the several types of theremittance style separately designated by theBank.

1. [deleted]

2. The Service shall be executed in accordancewith the conditions set forth for each style andat the time specified for each style, for theperiod from the starting date as Provided forin Article 2, through the termination asprovided for in Article 3, of the service
pertinent to the application for such Service.

2. The Service shall be executed in accordancewith the conditions set forth in the application
form for the Service from the commencement
date as set forth in Article 2 through thetermination of the Service as set forth inArticle 3.

3. In case that the frequency of execution of theService is designated as “every businessday”, “every week”, “every two weeks”, “everymonth”, “every quarter”, “every half year” or“every year”, the transaction processing dateof such transaction pertinent to the Service
shall be as follows:

3. The frequency of the execution of the Serviceis limited to once a month per application for
the Service. The day of each month (the“Designated Date”) specified by the Customer
upon application for the Service will be themonthly processing date on which the Bank
will process the relevant Transaction and theexecution date of such Transaction will be as
follows

If “every business day” is designated:
every business day;(ii) If “every week” is designated: designatedday of the week in every week;(iii) If “every two weeks” is designated:designated day of the week in every twoweeks;(iv) If “every month” is designated: designatedcalendar date of every month;(v) If “every quarter” is designated:designated calendar date of every threemonths;(vi) If “every half year” is designated:designated calendar date of every sixmonths; and(vii) If “every year” is designated: designatedcalendar date of every year. However, if
the date which is otherwise designatedas the transaction processing date shall
fall on a non-business day, theimmediately following business day shallbe the transaction processing date.
Further, in case that the frequency ofexecution from “every month” to “everyyear” is designated, if the designatedcalendar date shall not exist in thecorresponding month, then thetransaction processing date shall be thelast business day of such correspondingmonth.

Standing Instruction Service (To OtherBanks in Japan): Next business day ofthe Designated Date;(ii) Standing Instruction Service (OverseasRemittance): Next business day of theDesignated Date; and(iii) Standing Instruction Service (Transferwithin HSBC): Same as the Designated
Date.

Section 17.
Article 5,
Procedures forMore than One
Transaction

When applying for the use of the Service, theCustomer shall priorities the transactions underthe Service by giving each transaction a number
from 01 through 99 without duplication. When
more than one Transaction under the Services
shall be processed concurrently, the Transactions
shall be executed in the order of such number
from the smallest number.

If more than one transaction (including theTransaction and other types of transaction) shallbe processed for any particular DesignatedTransaction Account on any particular
Designated Date, such transactions will beprocessed in accordance with the processingorder of the Bank’s system on such day. For theavoidance of doubt, such processing order on aparticular day may be different from the one on
another day

Section 17.
Article 6,Foreign Exchange
Rate etc.

In case that a foreign currency is converted into
Japanese Yen or Japanese Yen is converted into
a foreign currency for remittance under theService, the exchange rate to be applied shall be
determined in accordance with the provision ofArticle 15 of “Section 1: HSBC Premier AccountGeneral Agreement”.
1. In case that, as at the time of execution of theTransaction, the remittance amount exceeds
the available balance (including available
amount from the automatic overdraft service,
if any) of the Designated Transaction Accountor the amount of the remittance fee exceeds
the available balance of the Fee Account, theBank will not execute such Transaction.

The Transaction under the Service shall belimited to the one in the same currency. TheBank will not handle any Transaction involving
currency conversion.

(i)

Section 17.
Article 8
Procedures in caseof Short Balance
Paragraph 1,2(i)However, if the day designated as theDesignated Date does not exist in any
calendar month, the Transaction of suchcalendar month shall be processed on thelast business day of such calendar month, inwhich case, such last business day shall bethe Designated Date of such calendar month.
Furthermore, if the day designated as theDesignated Date shall fall on a non-business
day in any calendar month, the Transaction
for such calendar month shall be processedon the next business day, in which case,such next business day shall be theDesignated Date of such calendar month,regardless of whether such next business
day shall fall in the next calendar month.
Therefore, the execution of the Transaction
for a particular calendar month could becarried over to the next calendar month.

1. In case that, as at the time of processing ofthe Transaction, the remittance amountexceeds the available balance (including
available amount from the automatic overdraft
service, if any) of the Designated Transaction
Account or the amount of the remittance fee
exceeds the available balance of the Fee
Account, the Bank will not execute suchTransaction.

Section 17.
Article 12
Application of Other
Provisions
Paragraph 3

2. In case that more than one Transaction shallbe executed at the same time in the same
Designated Transaction Account, and that theavailable balance of such DesignatedTransaction Account shall fall short of the totalremittance amount of such Transactions, theBank shall execute the Transaction with thehighest priority among those which can be
executed within the limit of such availablebalance; and thereafter, the Bank shall repeat
this procedure until there remains notransaction which can be executed.

2. In case that more than one Transaction shallbe processed at the same time for the same
Designated Transaction Account or the same
Fee Account, and that the available balanceof such Designated Transaction Account shall
fall short of the total remittance amount ofsuch Transactions or the available balance ofsuch Fee Account shall fall short of the total
fee amount, the Bank shall process such
Transactions in accordance with theprocessing order of the Bank’s system on thatday and only to the extent that the Bank can
execute them within such available
balance(s).

3. With regard to the Service, in case of any
discrepancy between the conditions set forth
for each style as prescribed under Article 4,
Paragraph 2 and the Terms and Conditions,such conditions for each style shall prevail.

3. With regard to the Service, in case of any
discrepancy between the conditions describedin the Product Fact Sheet which is valid at thetime of processing of the Transaction and theTerms and Conditions, such conditions
described in such Product Fact Sheet shallprevail.

T&Cchg-111107-E