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(1) Subject to approval. The cash advance can be used for a maximum of 15 consecutive or non-consecutive days per month. For example, for an overdraft of €1,500 per day for 15 days: total cost €9.75 including the fees payable on the highest overdraft calculated at 0.05%, at an interest rate equal to the basic HSBC interest rate + 7%, i.e. 14.40% at 01/06/2011. Annual APR: 17.13%, or a daily APR of 0.0433%.
(2) Cost of a local call from a landline phone in mainland France, from 8am to 10pm Monday to Friday and from 9am to 5.30pm on Saturdays.
(3) HSBC Capital Prévoyance is an individual life insurance policy providing cover in the event of death or total and irreversible loss of autonomy, taken out through HSBC France with HSBC Assurances Vie (France). Subject to the terms of the contract. The option to double the lump-sum payout in the event of accident is available for the first 7 years of the policy, for all policies offering cover of between €50,000 and €250,000 taken out after 23/08/2010. The insurance company reserves the right to modify this offer at any time.
(4) An individual may only hold one Livret A account or one special Livret Bleu savings account with Crédit Mutuel, with a single bank. Savings are limited to €15,300, which is the current regulatory limit applicable to payments made by individuals into a Livret A savings account. This limit may only be exceeded through interest payments. The Livret HSBC 2A savings account is reserved for customers holding a Livret A account with HSBC France who have reached the regulatory deposit limit (currently €15,300). There is no upper limit on savings in the Livret HSBC 2A.
(5) Interest rates exclude taxes and social security deductions under current regulations. Since 01/01/2012, interest will be paid at 2.00% on deposits up to €15,300 and 2.50% on deposits between €15,300 and €30,600. Since 09/01/2011, the interest rate payable on the portion of deposits in excess of €30,600 is 1.75%. The Livret HSBC 2A savings account is reserved for customers holding a Livret A account with HSBC France who have reached the regulatory deposit limit (currently €15,300). Interest paid in respect of a Livret 2A account to individuals domiciled in France for tax purposes is subject to withholding at the rate applicable when interest is paid, or, when requested in advance, according to the sliding scale applicable to income tax. Interest is also subject to the social security deductions current on payment.
(6) Entry fees of 0.50% payable on a selection of HSBC Group UCITS under the Automatic Investment Plan, for all subscription orders of between €150 and €750. Before investing in a UCITS, you must read the simplified prospectus approved by the AMF (French Financial Markets Authority), which is available from HSBC France branches or on www.hsbc.fr/placements/supports/. Before making any investment, you must ensure that the products you are considering correspond to your financial situation, investment aims and local regulations (in particular local legislation applicable to you). Past performance is no guarantee of future results; investments subject to market fluctuations may go down as well as up. Investments in emerging market countries present a significantly higher risk than those in developed markets, and the net asset value of UCITS invested in these markets can fluctuate considerably. This higher risk is due to the lesser maturity and liquidity of these markets, as well as the geopolitical and economic risks associated with emerging countries. This information does not constitute a commitment by HSBC France and may be modified at any time without notice.
(7) HSBC Evolution Patrimoine Vie is a collective life insurance policy, subject to individual, optional subscription, taken out by HSBC France on its own behalf and on behalf of its subsidiaries with HSBC Assurances Vie (France), which is a company governed by the French Insurance Code. Subject to the terms of the policy Information Notice.
(8) Only MasterCard cards are accepted in HSBC ATMs in Canada.
(9) Costs vary between countries. Contact your operator for information.
(10) 5 working days after we receive your complete application; subject to approval by the relevant HSBC branch and according to current local regulations. In accordance with current regulations, individuals domiciled in France for tax purposes must declare any accounts opened, used or closed abroad in their income tax return. Anyone not meeting these obligations is liable to pay a fine and back taxes. In accordance with current regulations, individuals domiciled in France for tax purposes must declare any accounts opened, used or closed abroad in their income tax return. Anyone not meeting these obligations is liable to pay a fine and back taxes.