Title | CUSTOMER NOTICE FOR INTEREST RATE ADJUSTMENT Date | 2011/11/30
Dear HSBC Customer
We are pleased to inform you that HSBC will adjust premature withdrawal rates and overdue rates of both local currency (LCY) and foreign currency (FCY) Term Deposit for our Retail Banking and Wealth Management Customers effective from 30th December 2011. Please find below table for detailed information on interest rates adjustments.

. Premature Withdrawal Rate : Term Deposit (LCY, FCY) / Cluster Term Deposit (LCY)
Before Change (p.a. / before tax) New Interest Rate (p.a. / before tax)
 applied differently according to currency and
 elapsed time (0.0%~1.2%, fixed rate)		  .Withdrawal less than 1M - Interest Rate of
  Savings A/C (LCY, FCY)
 .Withdrawal more than 1M - applied differently
  according to currency and elapsed time.
  Premature withdrawal rate is proportional to
  elapsed time based on contract rate. 

. Overdue Rate : Term Deposit (LCY, FCY) / Cluster Term Deposit (LCY)
Before Change (p.a. / before tax) New Interest Rate (p.a. / before tax)
 applied differently according to currency
 (0.0%~0.1%, fixed rate)		  .applied differently according to elapsed time after
  maturity
 .Less than 1M after maturity : 50% of contract rate
 .Less than 3M after maturity : 20% of contract rate
 .More than or equal to 3M : Interest Rate of
  Savings A/C (LCY, FCY). 

Please contact your Relationship Manager or HSBC Call Center at 1588-1770 for further assistance. Thank you.

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