2011 7 1

A.
B. e
C. j
D.
E.
F.

PPL489-R26 (07/2011) (LT) v.2

A.

-
-
- RMB 80,000

HK$150 (RMB 200 )

HK$50 (RMB 50 )
RMB 200
HK$120
HK$100

-
-

-
-
(1)

1% RMB200
1%RMB200
HK$60
HK$200
HK$25

(2)

/
-
HK$2,000

HK$100

RMB 50
(3)

/
- RMB 2,000
/
-

(1)
(2)
(3)

300
200
200
400
400
400
400
1,500
10,000
50,000

12

20

20

15

15

15

20

60

1,000

2,000

/ e

2010 1 2

PPL489-R26 (07/2011) (LT) v.2

-1-

A.

HK$150

HK$50
/ HK$200

(HK$)

HK$150,000

0.01%

HK$10,000 HK$149,999

0.01%

HK$5,000 HK$9,999

0.01%

HK$1,000 HK$4,999

0%

HK$1,000

0%

(US$)

US$1,000

0.001%

US$1,000

0%

(RMB)

RMB 5,000

0.25%

RMB 5,000

0%

-
1,000

200

500

500

10,000

0%

200
500
500
2,000
30,000

2011 4 2

PPL489-R26 (07/2011) (LT) v.2

-2-

A.

KidGreen Banking

HK$50

(1)

HK$100

HK$10

(1)(2)(3)

- (4)(7)

(7)

(
()

-
- (2)
e
-
* e-Banking/ * e-Banking
Electronic Clearing System
ECG
* e-Banking / * e-Banking/
* HSBCnet # Clearing House
Automated Transfer System CHATS

HK$50
HK$100
HK$60
HK$300)
HK$50

HK$30

HK$50

HK$170 (5)
HK$100

- (6)

HK$15 (5)

HK$300
HK$20

HK$100
HK$100

HK$150

HK$50
N.A.

(1)
(2)
(3)
(4)
(5)
(6)
(7)

-
-

HK$50
HK$100

HK$100
HK$2,000
()

Green Banking HK$5

HK$25

2011 4 1

PPL489-R26 (07/2011) (LT) v.2

-3-

A.

/
-
-
-
-

HK$250
HK$750
HK$1,000
HK$1,000

-
-
-

HK$50

HK$300

(1)

HK$2

HK$700

- / (2)(3)
-

HK$70
HK$100
HK$150

HK$150

HK$30
(
)

(4)

HK$150

HK$1,000

- 30
- 30

-
- 500
- 500
-

- 500
- 500

HK$1(5)

0.25%( HK$50)

2% ( HK$50)

ATM
- / (6)

HK$20

(7)
- /
- ATM /ATM

HK$5,000
HK$50

HK$500(8)

(9)

50
50

HK$30

2011 7 1

PPL489-R26 (07/2011) (LT) v.2

-4-

A.
(1)
(2)
(3)
(4)
(5)
(6)
(7)

(8)

(9)

2011 7 1

PPL489-R26 (07/2011) (LT) v.2

-5-

HK$1
Green Banking

ATM
8
6521
/Kid
/
*

ATM

A.

Plus System

-
-
-

HK$20

(1)

HK$30

HK$30

HK$15

(1)

HK$20,000

e Plus System HK$20/

HK$30e HK$30(Plus System) HK$15
Plus

PPL489-R26 (07/2011) (LT) v.2

-6-

B. _
__

e
-

* e-Banking/
* HSBCnet

/ (1)

- e
/
*

HK$ 80 (2)

HK$170

- e
/ /
/

HK$110

HK$200

- e

HK$110

HK$200
()
HK$260 (3)
()

e /

HK$100
(e)

(a)
(b)
-
$130
- $35
-
-

- e / e
HK$200
HK$100
-
HK$100
HK$200

e
- (4)

HK$100

HK$300
HK$100

()

HK$100

- e

()

HK$100

e
0.25%
HK$1,000
HK$120

__

(5)

HK$60

HK$230

(1)

e
e-bankinge*
(3) *e///
200
(4) HK$50
(5)
2011 7 1

-1-

PPL489-R26 (07/2011) (LT) v.2

(2)

B. _

(1)

-
- / /

( HK$60 )

1%

HK$100

0.25%
0.375%

-
- / /

> HK$3,000
HK$3,000

HK$50

( 1 ) / ( 2 )
G r e e n
Banking (2)

HK$50

( HK$60)

0.25%
0.375%

- /
0.25% ( HK$60)
-

HK$150

HK$200

- (3)

- (3)

$50/$100
$10/$20

0.25%
0.375%
0.375%

0.25%

(1)

Green Banking
(3) 5,000
150,000 10,0001,000
1,000 75,000 500
(2)

2010 1 2

PPL489-R26 (07/2011) (LT) v.2

-2-

C.
(1)

(2)

0.25%
(
)

HK$100

---

0.2%
/

HK$100

---

0.003%

(
)

---

---

0.005%

(
)

---

---

HK$1,000 HK$1

(
)

---

---

HK$30 HK$188
(3) HK$5
HK$2.5

HK$100

---

---

HK$50

---

---

(1)

(2) NNN
(3) 1,000

2011 4 4

PPL489-R26 (07/2011) (LT) v.2

-1-

C.
(1)

(2)

HK$30
-
- HK$5

HK$3.5

---

---

---

---

HK$30

---

---

---

HK$30

-----

(CCASS)
-

HK$3.5

a) 0.125% HK$100

(
) b) --HK$1,000HK$1

c) HK$3.5
HK$30
d)
-- HK$5
e) -- HK$30

---

-------

(Non-CCASS)

---

---
HK$500

---

--- HK$20

HK$15

(3)
(

1
)

HK$20

HK$15

(1)

(2) NNN
(3) 1,000

2011 4 4

PPL489-R26 (07/2011) (LT) v.2

-2-

C.
(1)

(2)

/ 0.5%

()

HK$30
/

()

0.2%

HK$30 HK$2,000

---

---

---

HK$300

---

---

HK$150

-
-

0.5%
HK$30

HK$100 HK$100

HK$100

HK$30 HK$2,000
-----

HK$50
-

(1)

(2) NNN

2011 4 4

PPL489-R26 (07/2011) (LT) v.2

-3-

C.

0.25%

85

---

(A)

0.003%

---

---

0.005%

---

---

0.1%

---

---

25

160

---

---

---

---

HK$30

---

---

---

HK$30

---

---

---

HK$500

---

---

(B)

HK$30

-
HK$5

HK$3.5

CCASS
-

HK$3.5

Non - CCASS

(C)

(1)

PPL489-R26 (07/2011) (LT) v.2

-4-

HK$20
HK$15

C.

25

1700

(D)
-
-
-
-
- 0.5%
-
-
-
- 25

---

---

0.2%

---

250

(E)
130
a) 0.5%

25

1700

---

---

b) 25

85
45

a) 0.125%

b)
HK$1,000HK$1

c) HK$3.5
d)
HK$5
e)
HK$30

85

---

---

---

HK$30

---

---

---

---

---

(1)

PPL489-R26 (07/2011) (LT) v.2

-5-

C.
-

(* e-Banking /500
)
1,000

250
//
1
HK$50,000
200

(A):
24

(B):
AB

(
)

HK$0.05

*
e-Banking

HK$200

HK$10

---

---

---

45002HKD180,000
6005001,100
500+600

PPL489-R26 (07/2011) (LT) v.2

-6-

C.
-

52,000500HKD75
HKD0.05 x 1,500

(1)

[d] [c]

1 24
[c]
HKD200,000
1
800

[d]
HKD201,000
2
800
0 (A)

(2)
500

500 + 800 = 1,300

1,000

(A B )

300 (B)
0

800
(A)(B)
(A) 1 24
[d] [c]800 800 = 0
(B) 1,300 1,000 = 300
(A) (B) (
) 0

1 24
[c]
HKD200,000
4
800

(1)

[d] [c]
(2)
500

500 +1,000 = 1,500

1,400

(A B )

[d]
HKD201,000
5
1,000
200 (A)

100 (B)
100

1,000
(A)(B)
(A) 1 24
[d] [c]1,000 800 = 200
(B) 1,500 1,400 = 100
(A) (B) (
) 100

PPL489-R26 (07/2011) (LT) v.2

-7-

C.
-

4 5 0 0 2 H K D 5 0 , 0 0 0
USD15,000
7.78 HKD50,000 + USD15,000*7.78 =
HKD166,700600500
1,100 500 + 600

1.
2. Mobile Trading

3. 15
/
4. 9:00 16:15 9:00 12:15/13:30 16:15

5. e-Banking 1
6.

7. 8101

8. *

2011 4 4

PPL489-R26 (07/2011) (LT) v.2

-8-

C.
B (1)

0.8%

HK$400

---

0.0341%

---

---

0.1%

---

---

0.05%

---

HK$500

HK$300

---

---

HK$30

---

---

HK$400

---

0.8%

0.0255%

---

---

0.1%

---

---

0.05%

---

---

0.0045%

---

---

HK$700

---

---

HK$30

---

---

(1)

2009 10 2

PPL489-R26 (07/2011) (LT) v.2

-9-

C.
(1)(3)(4)

0.5%

HK$100
(HK$250)(2)

---

0.25%

---

---

0.0075%

---

---

0.04%

---

US$393

100 HK$10
101 HK$3.5

HK$30

HK$2,000

HK$3.5

HK$30

---

HK$400

(2)

(1)(3)(4)

0.5%

HK$250

---

0.25%

---

---

0.0075%

---

---

0.04%

---

US$393

HK$30

---

HK$3.5

(2)

HK$400

(1)

2011 5 1
(3) 2011 4 1
(4) 2011 6 1

(2)

2011 4 4

PPL489-R26 (07/2011) (LT) v.2

- 10 -

C.
(1) ( 2006 3 31
)

0.5%

US$20

---

()

0.003%

---

---

()

0.005%

---

---

US$1

US$4

US$25

HK$100

---

0.5%

()

0.003%

---

---

()

0.005%

---

---

HK$100 DTC(2)
HK$600

---

---

HK$100 DTC(2)
HK$200

---

---

HK$100 DTC(2)
HK$600

---

---

HK$10

HK$30

HK$2,000

0.75%

HK$60

HK$2,500

0.75%

HK$60

HK$2,500

---

---

/ /
/
()

HK$30

(1)

/ / *

(2)

2010 10 1

PPL489-R26 (07/2011) (LT) v.2

- 11 -

C.
A
(1)

(2)

()

50

(2) ()

0.25% (3)

0.5%
( 30 2,000 )

30

(1)

/ 1
(3)

(2)

PPL489-R26 (07/2011) (LT) v.2

- 12 -

C.

(1)

(2)

4%*
*

4%*
*

3%*
/1%
* e-Banking
0.5%

1.5%*
*

1.75%*
*

1%*

/ 1%
*
e-Banking0.5%

1.5%*
*

1%*

(3)

1%*

(4)

1 3%
1 - 2 2%
2 - 3 1%

B3
A

HK$50

HK$100

HK$100

HK$50

2011 1 3

- 10 -

PPL489-R26 (07/2011) (LT) v.2

- 13 -

C.
(1)

2%Green Banking1%
F.
(2) #/

****
0.5%*eBanking /
1%****
**

# HKD20,000
(3) B A
*B *HB*B1%

(4)
**H*
3B1%B

2011 1 3

PPL489-R26 (07/2011) (LT) v.2

- 14 -

D.

Visa Infinite

- HK$6,000
- HK$1,000

- HK$800
- HK$400

- HK$540
- HK$270

- HK$240
- HK$120

Visa
-
-

HK$540
HK$240

- 800
- 400
- 540
- 270
- 240
- 120

Visa

- US$70
- US$35

alpha card

HK$50

-
-

24
* Visa Infinite
2998 8228
*
2998 8111

2998 8833
*
2998 8222
*
2398 0000
* enJoy Visa
2998 8888
* enJoy Visa
2998 8188

Visa
PLUS/Cirrus* / e
HK$30 (PLUS/Cirrus) HK$15 HK$20* / e

2010 6 22

PPL489-R26 (07/2011) (LT) v.2

-1-

D.

Visa Infinite

Visa
Priority Pass Card

HK$100

100

HK$100

Visa

US$13

enJoy

HK$20

e-shopping

- HK$100

enJoy alpha card

HK$50

Visa Infinite

Visa
Visa

HK$180/ US$23HK$200

180

enJoy

5%
HK$30 HK$100

2011 1 3

PPL489-R26 (07/2011) (LT) v.2

-2-

D.

Visa Infinite

Visa
Visa

HK$180/US$23

180

10%
HK$100

Visa Infinite

Visa
Visa

3% HK$80/US$10
*e
Visa/PLUS
MasterCard/Cirrus
Visa MasterCard
*

3% 80

3%
*e
*
HK$20
MasterCard/Cirrus
MasterCard
HK$40

2010 6 22

PPL489-R26 (07/2011) (LT) v.2

-3-

D.

MasterCard
-
(*)

- Visa

HK$100

e
ee
e1.95%/1.2%

*
Visa

HK$100/US$13

- HK$80/US$12
- HK$30/US$4

3
HK$50/US$7

(1)

HK$200 US$50

HK$60

0.25% HK$100

(1)
(2)

HK$100

HK$35
(2)

HK$30

Visa Infinite

2010 6 22

PPL489-R26 (07/2011) (LT) v.2

-4-

D.

100

- 80
- 30

3
50

(1)

(1)

200 US$50

35

2011 1 3

PPL489-R26 (07/2011) (LT) v.2

-5-

D.
Visa /

HK$100

8%
HK$150HK$300

5%
HK$150

(1)

(1)

HK$240

3% HK$80
*e
Visa/PLUS
MasterCard/Cirrus
Visa MasterCard
*
HK$100

e
ee
e1.95%
*

HK$100
- HK$80
- HK$30
3

3
HK$50

enJoy Visa

PPL489-R26 (07/2011) (LT) v.2

-6-

D.
Visa /

(1)

(1)

HK$200 US$50

HK$60

0.25% HK$100

HK$35

PPL489-R26 (07/2011) (LT) v.2

-7-

E.

(1)

0.01%

HK$1,000 - HK$2,000

-
-
-
-

0.5%
0.5%
0.5%
0.5%

HK$1,000

HK$500 - HK$600

HK$500 - HK$600

/
(1)

HK$250

2008 6

2009 10 2

PPL489-R26 (07/2011) (LT) v.2

-1-

E.

-
-

HK$100
HK$200
HK$100

HK$200

HK$200
( HK$1,200 HK$400)
HK$100

HK$100

HK$100

HK$1,000

HK$1,000

HK$200

HK$3,000

HK$200

HK$150

HK$30

HK$400

A 4

2011 7 1

PPL489-R26 (07/2011) (LT) v.2

-2-

E.

0.5 - 1 HK$200 HK$800

HK$100

HK$800

2.25

HK$200

2010 1 2

PPL489-R26 (07/2011) (LT) v.2

-3-

E.

(1)

HK$300

/ /

* / e
/
2 HK$50
*e /
HK$31

5
HK$150 HK$200

1 0
HK$150

HK$100

3
3 HK$50

(1)

HK$200/ US$50

HK$60

0.25% HK$100

HK$35

PLUS
VSIA
e
1
e 1

2011 1 3

PPL489-R26 (07/2011) (LT) v.2

-4-

F.
(1)

(2)
HK$1,000,000
HK$500,000 HK$999,999
HK$500,000

HK$40
HK$340

(2)
HK$200,000
HK$50,000 - HK$199,999
HK$50,000

HK$26
HK$106

(2)
HK$10,000
HK$10,000

HK$60

(1)

8 21
/
(2)
**

2009 11 1

PPL489-R26 (07/2011) (LT) v.2

-1-

F.

e(1)

(2)

e
ee(3)(4)
(3)
(3)

/ (5)
ee(3)
ee(3)

(3)

(3)
A (6)

(7)

Green Banking

HK$25

HK$50

HK$5

HK$5

HK$1

75

750

500

1,000
500
5
*
*
*
*


1%
1%
2%
1%
5% 5%

1%
2%
< 5%
0.5%

(9)

2%

2%

2%

2%

10
3
10

11

11

11
-

11
-

11
-

5 (12)
(12)

(12)
(12)

(12)
(12)

(12)
(12)

2011 7 1

PPL489-R26 (07/2011) (LT) v.2

-2-

5% 5%

1%
1%

F.

2011 9 30 *

(1)

10

(3) / /Green Banking

(4) 10 ee e-banking e
**e
/ / / 200
(5) / 5,000 /
150,000 / 10,000 / 1,000
1,000 / 75,000 / 500
(6) /
A
HK$100
(7) 1,000500
250
(8) 5*

B
/
(9)

HK$100,000
B

(10)
(11) 1 **
(12)
(2)

2011 7 1

PPL489-R26 (07/2011) (LT) v.2

-3-