Assurance vie

Why get assurance vie?

Our customers are the best people to ask! According to them, assurance vie enables them to:

- Boost their wealth (37 per cent of customers interviewed)
- Finance their retirement (33 per cent of customers interviewed)
-  Provide for the future of their loved ones (31 per cent of customers interviewed)

(Online survey of 1923 HSBC France customers, between 8-14 March 2007)

The advantages of HSBC

Enjoy:

- High-performance products whose quality is regularly recognised by the press
- An online service that allows you to check your policy, make payments and transfer funds between plans directly⁽¹⁾

Find out more: when you're online, you're in the driving seat!

- Online management: Check your policy on a day-to-day basis
- Payments: Invest in just a few clicks
- Fund transfers between plans: Take control of your investments online

* This service is not available in all HSBC brand networks. Please contact your personal advisor for further information.

⁽¹⁾ Online payments (limited to € 50,000 per transaction) and fund transfers between plans are available with the following HSBC Assurance Vie Policies: Abondance, Abondance 2, HSBC Essentiel, HSBC Evolution Patrimoine Vie, HSBC Evolution Patrimoine Capitalisation, Elysées Opportunités, HSBC Stratégie Patrimoine Vie, HSBC Stratégie Patrimoine Capitalisation, Erisa Sélection, Erisa Sélection2, Multi Epargne Vie and Muti Epargne Vie2 (policies taken out through HSBC France and its subsidiaries). The Elysées Retraite Patrimoine Plan (PERP or collective pensions savings plan is underwritten by Vernet Retraite, non-profit association No. 04/1397 governed by the Law of 01 July 1901 and by Law No. 2003-775 of 21 August 2003. Subject to the terms and conditions set out in the policy information leaflet

Log in to your secure online banking account:

a simple way to check the key information relating to your policy:

- The value of your policy, updated daily
- Past transactions
- The distribution of your investments by asset-type
- The details of your management profile or financial options

Consult the practical information on how assurance vie policies are taxed.

How do I access the page?

- You must have your Internet banking user ID and password ready
- Log in to your secure online banking account
- Click on the Investments tab in the Assurance Vie section

Find out more: When you're online, you're in the driving seat!

- Assurance vie: Find out about the advantages
- Payments: Invest in just a few clicks
- Fund transfers between plans: Take control of your investments online

Invest at your own pace and boost your savings!

You can make direct, online transfers from your current account into your assurance vie account. In just a few clicks you can transfer as much as you want, whenever
you want ⁽¹⁾.

One-off payments

Once you've clicked on the 'Payments' button:

1.  Select your preferred fund.
2.  Read the transaction summary.
3.  Confirm … and your investment is complete.

Scheduled payments

Once you've clicked on the 'Consult policy' button or the name of your chosen policy:

1. Choose 'Set up scheduled payments'.
2. Define the sum you want to invest, the payment frequency (monthly, quarterly or annual), and the date of the first payment.
3. Select your preferred fund.
4. Read the transaction summary.
5. Confirm … and your investment is complete.

Your money remains accessible in case of need: you can redeem all or part of your policy⁽²⁾.

How do I access the page

- You must have your Internet banking user ID and password ready
- Log in to your secure online banking account
- Click on the Investments tab in the Assurance Vie section

Find out more: when you're online, you're in the driving seat!

- Assurance vie: Find out about the advantages
- Payments: Make investments in just a few clicks of the mouse
- Fund transfers between plans: Take control of your investments online

(1) Online payments (limited to € 50,000 per transaction) and fund transfers between plans are available with the following HSBC Assurance Vie Policies: Abondance, Abondance 2, HSBC Essentiel, HSBC Evolution Patrimoine Vie, HSBC Evolution Patrimoine Capitalisation, Elysées Opportunités, HSBC Stratégie Patrimoine Vie, HSBC Stratégie Patrimoine Capitalisation, Erisa Sélection, Erisa Sélection2, Multi Epargne Vie and Muti Epargne Vie2 (policies taken out through HSBC France and its subsidiaries). The Elysées Retraite Patrimoine Plan (PERP or collective pensions savings plan is underwritten by Vernet Retraite, non-profit association No. 04/1397 governed by the Law of 01 July 1901 and by Law No. 2003-775 of 21 August 2003. Subject to the terms and conditions set out in the policy information leaflet. Before carrying out a transaction, and if you are not a regular investor in the selected fund(s), do not hesitate to contact your customer advisor to obtain further information about the fund(s).

(2) See tax terms and conditions in the event of a buy back in the 'Assurance Vie Taxation' section on Ma banque en ligne>Investments>Assurance vie

Modify your investments online to suit your needs, keeping up with developments in financial markets ⁽¹⁾. To make fund transfers, just consult the information on the site to choose your fund, then:

1.  Change the distribution of your investment
2.  Read the transaction summary
3.  Confirm … and your investment is complete

You can change your investment choices at any time, according to your goals.

How do I access the page?

- You must have your Internet banking user ID and password ready
- Log in to your online banking account
- Click on the Investments tab in the Assurance Vie section

Find out more: when you're online, you’re in the driving seat!

- Assurance vie: Find out about the advantages
- Payments: Make investments in just a few clicks of the mouse
- Fund transfers between plans: Take control of your investments online

(1) HSBC Assurance Vie (France) policies affected: Abondance, Abondance 2, HSBC Essentiel, HSBC Evolution Patrimoine Vie, HSBC Evolution Patrimoine Capitalisation, Elysées Opportunités, HSBC Stratégie Patrimoine Vie, HSBC Stratégie Patrimoine Capitalisation, Erisa Sélection, Erisa Sélection2, Multi Epargne Vie and Muti Epargne Vie2 (policies taken out through HSBC France and its subsidiaries). The Elysées Retraite Patrimoine Plan (PERP or collective pensions savings plan is underwritten by Vernet Retraite, non-profit association No. 04/1397 governed by the Law of 01 July 1901 and by Law No. 2003-775 of 21 August 2003. Subject to the terms and conditions set out in the policy information leaflet. Before carrying out a transaction, and if you are not a regular investor in the selected fund(s), do not hesitate to contact your customer advisor to obtain further information about the fund(s).