Preferential Pricing

Eligibility criteria for HSBC Premier applies and is set out in the HSBC Premier Service Guide. Eligibility criteria remains at HSBC's absolute discretion. Terms, conditions and other restrictions apply.
HSBC reserves the right to charge a monthly fee for the HSBC Premier service and an additional below balance fee should you no longer meet the eligibility criteria, alternatively to transfer your account to our standard Bank Account terms should you no longer meet the Premier eligibility criteria. We may vary the monthly service fee for HSBC Premier from time to time. HSBC Premier eligibility criteria applies.
The HSBC Premier privileges set out above are current as at 3 September 2008 and are subject to change. Other fees and charges, terms and conditions apply.

^{^} Terms, conditions, fees & charges apply. HSBC lending criteria applies. New lending only. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162.
^~ Terms and Conditions apply to insurances. These Terms and Conditions are contained in the booklet "HSBC Premier Credit Card and Debit Card Insurance Terms and Conditions". Insurance policies are issued by Zurich Australian Limited ABN 13 000 296 640. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover is provided at no additional cost to the cardholder.
^# HSBC's Premier Credit Card is based on a pre-approved credit limit of up to AUD$15,000. For access to credit limits above this amount, you will need to complete a separate application form. The provision of a pre-approved credit card is subject to local statutory and regulatory requirements. Terms and conditions apply. Lending criteria, fees and charges apply.
^* HSBC lending criteria, terms, conditions, fees and charges apply.
^† Stockbroking with E*Trade terms and conditions apply, as set out below
Offer valid until 31 July 2009 for all new HSBC Premier customers (subject to HSBC Premier Terms and Conditions) who open new E*TRADE accounts via the URL 'www.etrade.com.au/hsbcpremier' between 31 July 2008 and 31 July 2009, and is only open to residents of Australia and New Zealand. Offer is not valid in conjunction with any other offer and not open to existing E*TRADE Australia customers, or to staff, institutional and intermediary clients of E*TRADE Australia. Normal E*TRADE Australia trading account opening and maintenance conditions apply unless otherwise specified here. Applicants must be 18 years or over. Account must remain open for six months. We reserve the right to terminate this offer at any time, or to amend these terms and conditions at any time, without notice.

E*TRADE Australia's standard brokerage is $32.95 (GST-inclusive) on trades up to $30,000, and 0.11% (GST-inclusive) on trades over that amount. For the purpose of this Offer, total brokerage up to a maximum value of $1,100 (GST-inclusive) will not be charged on your first 20 trades executed within the first 60 days of account being opened ("Qualifying Period") with a trade value of up to $50,000. Trades must execute within the Qualifying Period to qualify for this Offer. The brokerage value on your first 20 trades where E*TRADE Australia's standard brokerage does not exceed $55.00 (GST-inclusive; equivalent trade value $50,000) will be deducted from the $1,100 Offer value, until the Offer value has been reached. No brokerage will be shown on the E*TRADE Australia contract notes issued in respect of such trades. Where any of the trades has a value in excess of $50,000, E*TRADE Australia will charge brokerage at its standard rate (0.11%, GST-inclusive) on the excess in trade value above $50,000. These charges will be disclosed on your E*TRADE Australia contract note. Brokerage charged on trades above $50,000 will not form part of this Offer, and will not count toward the $1,100. This Offer is not redeemable for cash and is not transferable. Any portion of the Offer value unused within the Qualifying Period will be forfeited. Normal E*TRADE Australia trading account opening and maintenance conditions apply unless otherwise specified here. Applicants must be 18 years or over. Account must remain open for six months. We reserve the right to terminate this offer at any time without notice. We reserve the right to amend these terms and conditions at any time without notice.

You will not be charged our normal monthly subscription for access to E*TRADE PRO for the month in which your account is opened, and the 2 subsequent months (i.e. If you opened your account in July 2008, you will receive July 2008, August 2008, September 2008 for free, but will be charged for any months access thereafter at our normal monthly rate of $79.95 (GST inclusive). The access fee will be charged to your linked HSBC account). To learn more about our subscription rates, visit https://invest.etrade.com.au/TradingTools/ActiveTraders/Default.aspx?Step=Step7.

Upon completion of your account being opened, you will be emailed registration details for a 6 month subscription to each of the ASX200 and Equities Reports valued at $1,180 (incl. GST). The reports will be made available upon acceptance of your application. The ASX200 and Equities Reports are provided by independent research house wise-owl.com and are delivered on Sundays.

Stockbroking services are provided by E*TRADE Australia Securities Limited (ABN 93 078 174 973, AFSL No. 238277), a Participant of the Australia Stock Exchange Limited Group. E*TRADE is not a subsidiary or related body corporate of HSBC Bank Australia Limited (HSBC). HSBC does not guarantee or warrant the performance of or in any way stand behind E*TRADE or the products and services that it issues. Level 7, 10 Bridge Street, Sydney. NSW 2000. Tel. 1300 658 355. www.etrade.com.au

** Issued by Travelex Limited ABN 36 004 179 953 trading as Thomas Cook.
¹ This Insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162 AFSL 232595 acts as agent for Allianz not as your agent. Allianz has appointed ETI Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Mondial Assistance to manage this travel insurance. A Product Disclosure Statement (PDS) is available from HSBC. You should consider the PDS before making a decision about this product.
² This Insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162 AFSL 232595 acts as agent for Allianz not as your agent. A Product Disclosure Statement (PDS) is available from HSBC. You should consider the PDS before making a decision about this product.