Companies and non-profit organisationsTariffs as of 1 July 2015

2

This present document contains the standard conditions applicable to the most common business transactions and services.They are subject to change at any time due to financial conditions in accordance with the terms of the New Business Convention with «Companies, Institutions and Associations».These prices are listed pre-tax.In accordance with banking rules, most of fees are exempt from VAT, except those where it is payable marked with the symbol VAT. If VAT is due, the tax rate in effect at the transaction date should be added to the pre-tax amount of commissions.

Your relationship manager remains at your disposalfor any further information.

3

Contents

Account services p. 5Account MaintenanceSearchesOther operations France & SEPA payments p. 6 Inward paymentsOutward paymentsOutstanding payments, incidents and other

International payments p. 8Inward paymentsOutward paymentsCurrency exchangeVarious transactions

Cards services p. 10CardsMerchant acquiring

Trade p. 11Import transactionsExport transactionsInternational “advantages”

Banking communication services p. 12Internet solutionsFile exchange solutionsSWIFT solutions

Packaged offers p. 14

Cash management solutions p. 15Domestic cash management International cash management

Investment solutions p. 16 Stock orders, Custody, HSBC France Group money-market funds (OPCs), Other transactions, Delegated management,Deposits, Regulated Savings, Cash Management

Loan offer p. 18Terms loans and overdraft, Commercial discount, Assignement of receivables under Dailly law, Equipment leasingGuarantessFactoringProtection of Trade receivablesMain conditions for account statement

Protection solutions p. 20Corporate savings and retirement planningCorporate insurance coverageCorporate officer coverage

Value dates p. 21Transactions in France and SEPAInternational transactionsForeign exchange operations

HSBC, committed to sustainable development p. 22

The quality of our services: you be the judge p. 24

4

5

Account maintenance

• Commission on administrative, legal and accounting updates VAT (Annual collection in arrears)

For BusinessesDepending on turnover and the complexity of the account ________ min. €189 max. €1,200

For non-profit organisationsAccording to the budgetand the complexity of the account ________ min. €120 max. €510

• Account maintenance fee _____ €0.39 per transaction entry Monthly min. €21

• Transaction commission _________________ starting from 0.12% Monthly min. €13

(Depending on the company’s financials and its turnover calculated on your debited business transactions).

• Account statements Monthly commissions received- Daily ______________________________________________________________ E 32- Fortnightly _________________________________________________________ E7- Monthly ___________________________________________________________ free

Searches

• Document retrieval expenses VAT _______ starting from E12Depending on the complexity and the volume of the retrieval

• Search fees on cheques VAT _________________________________ E18 (Originals or copies)

• Auditor’s request VAT Depending on the complexity of the questions __________________________________ starting from €140

• Letter of good character VAT _______________________________ €45

Other operations

• Intervention commission Unauthorised balance after transaction requiring special individual processing (transactions causing unauthorised overdrafts, lack of signature, transactions involving a garnishment order, or an erroneous cheque...) Per transaction, limited to 5 per day ______________________ €8.20

• Fee for third party holder notifications ____________________ €105• Civil enforcement procedure _______________________________ €105• Letter sent to a debtor _________________________________________ €15• Chequebook sending fees (excluding postage) _______ €2.30• Bank card sending fees (excluding postage) ___________ €2.30• Mass converter BIC/IBAN VAT ______________ Please contact us

Account services

6

SEPA Business to Business Direct Debits An attractive offer to optimise your direct debit collections

Exclusively reserved for payments between professionals*, this offer allows you to benefit from the SEPA’s advantageous conditions in facilitating the management of your B2B direct debits (simplified transactions throughout the SEPA, better traceability of operations, and lower costs), as well as exceptional conditions such as the debtor’s inability to contest your authorised direct debits and reduced payment delays...

Automatic re-presentation of unpaid SEPA Direct Debits A customised offer for managing SEPA direct debits that are returned unpaid

Benefit from a solution that includes up to 3 cycles with specific dates or receipt dates of the outstanding payments, up to 3 default payment grounds and a reporting service tailored to your needs.

HSBC SEPA SolutionA secure “turnkey” online platform for managing mandates and SEPA Direct Debit orders.

HSBC SEPA Solution allows you to manage the entire process of creating a SEPA direct debit, taking into account your responsibilities as a creditor: creating mandates through an automatic generation of UMR(1) and converting a RIB into a BIC(2), IBAN(3), creation of an XML file (SEPA format), and direct electronic transmission to HSBC.

Inward payments

Transfers• SEPA Credit Transfer received ________________________________ free

Direct Debits • Remote transmission or Internet platform - SEPA Direct Debit notification ___________________________ €0.41 - SEPA B2B direct debit notification ______________________ €0.60 - Per remittance ________________________________________________ €3.50

• Set-up costs for the SEPA Direct Debits / SEPA- B2B Direct Debits (including request for an ICS)(4) ____________ €22

• Cancellation fees

- Per transaction _______________________________________________ €0.50

- Per remittance __________________________________________________ €12

Automatic re-presentation of unpaid SEPA Direct Debit notification• Set-up fee _________________________________________________________ €50

• Direct Debit notification SEPA _____________________________ €0.50

HSBC SEPA Solution: managing mandates and SEPA direct debits• Standard Package (monthly subscription) ________________ E23

Up to 100 mandates stored in the base and emission of 100 direct debits per month

• Premium Package ____________________________ Please contact us Scalable according to your needs

Commercial Bills• Remote transmission or internet platform

- Per bill __________________________________________________________ E0.53- Per remittance ________________________________________________E4.20

• Paper hard copy- Per bill __________________________________________________________ E6.20- Per remittance __________________________________________________ E14

Cheques• Cheques deposited at the counter ___________________________ free

• Solution “Offer for Large Depositors” _______ Please contact us

• Elys Impayés : automatic re-presentation for unpaid cheques ____________________________ Please contact us

Cash• Cash deposits ___________________________________________________ free(5)

France & SEPA payments

* Offer limited exclusively to payments between ‘non-retail’ (companies, institutions and associations)

(1) Unique Mandate Reference.(2) Business Identifier Code.(3) International Bank Account Number.(4) Creditor ID SEPA.(5) Cash deposits in our offices in the currency of the account hold

at HSBC France.

7

Outward payments

Credit Transfers• Remote transmission or internet platform - Per individual credit transfer ______________________________ E0.22 - Per remittance _______________________________________________ E3.50 - Per cash credit transfer ____________________________________ E5.45

• Paper hard copy - Per individual credit transfer __________________________________ E7 - Per recurrent credit transfer to a third party ___________ E1.20 - Credit Transfer list

. Per credit transfer __________________________________________ E4.50

. Per remittance _________________________________________________ E15 - Per cash credit transfer _______________________________________ E20

• Recall of SEPA Credit Transfer ______ per credit transfer E20

SEPA Direct Debits / TIP(1) / Télérèglement(1) • Payment of a direct debit notification _______________________ free

Commercial bills domiciled • Maturity accepted _____________________________________________ free

• Maturity not accepted _________________________________________ E25

Cheques• Letter-cheque _________________________________ Please contact us

• Issuing a bank cheque in euros ____________________________ E11

Cash• Cash withdrawals ____________________________________________ free(2)

Outstanding payments, incidents and other Outstanding payments• Fees per unpaid SEPA Direct Debits/ SEPA B2B Direct

Debits _ _______________________________________ E15

• Fees for unpaid commercial bills (per remittance) (LCR / BOR) ___________________________________ E20

• Fees for unpaid cheque (per remittance) _________E16(3)

Operational incidents and rejections

• Credit Transfer rejection fees for non-sufficient funds (NSF) ______________ max E20(4)

• Direct Debit rejection fees for non-sufficient funds (NSF) _____________ max E20(4)

• Domiciled Commercial bills rejection fees for non-sufficient funds (NSF) ____________________ E27

Miscellaneous• Opposition made to a direct debit, TIP(1)

and télérèglement(1) _________________________ E12.50

• Miscellaneous charges on commercial bills: notification upon acceptance, claims, extensions, change of address, notice of receipt _______________________________ E20

• Stop payment on a cheque ___________________ E12.50

• Fee per cheque rejected for non sufficient funds (NSF)(5) - For cheques less than or equal to E50 ___________ E30 - For cheques over E50 _________________________ E50

• Chequebook sending fees (excluding postage) ___ E2.30

• Cheque search fee VAT (original or copy) _______________________________ E18

(1) These payment instruments migrate to the SEPA Direct Debit or to the SEPA B2B Direct Debit on 1st February 2016 at the latest.

(2) Cash withdrawals made in the currency of the country from an HSBC Group multi-function ATM.

(3) Free for an unpaid cheque on the grounds of “non-sufficient funds”.

(4) Including intervention costs.(5) This package includes all amounts due, (including intervention

costs).

SEPA (Single Euro Payments Area) is made up of the Member States of the European Union as well as Iceland, Liechtenstein, Norway, the Republic of San Marino, Switzerland and Monaco.Eurozone of the European Union: France, Germany, Italy, Spain, Portugal, Ireland, Greece, Finland, Estonia, Latvia, Netherlands, Belgium, Luxembourg, Slovenia, Austria, Cyprus, Malta, Slovakia, and Lithuania.Non eurozone of the European Union: Bulgaria, Croatia, Denmark, Hungary, Poland, Czech Republic, Romania, United Kingdom, and Sweden.Areas outside the EU: Iceland, Liechtenstein, Norway, Switzerland, Monaco, and the Republic of San Marino.

8

Renminbi (RMB)The currency of your commercial success

In order to take greater advantage of China’s dynamism, more and more of its many trading partners use the Renminbi (RMB) for their business transactions, investments and activity financing.

Commercial benefits, currency exchange security, reduced costs... whether you’re buying or selling, your RMB-denominated transactions can facilitate and intensify your access to the Chinese market.

By choosing HSBC, the leader in RMB transactions and the most well established bank in China, as your financial partner you save time thus creating opportunities to develop faster on this burgeoning market.

Inward payments

Credit Transfers• European credit transfers received _________________ free

• International credit transfers received _______________ E15

Cheques payable abroad(1)

• Cheque(2) _____________________________________ 0.1% of the amount min. E17 max. E100

Bills payable abroad(1)

• Bill _____________________________________________ 0.1% of the amount min. E17 max. E100

European credit transfers are denominated in euros, Swedish kroner or Romanian lei and sent within the European Economic Area(3) or to Switzerland with the IBAN(4) of the beneficiary and the BIC(5) of the beneficiary’s Bank.

International credit transfers are:- Credit transfers denominated of any European currency except euro, Swedish kroner or Romanian lei, sent within the European Economic Area(3), regardless of the amount.“SHARE” mode (shared cost) necessarily applies.- Any other transfer regardless of the currency. “SHARE” mode (shared cost) applies by default.

International payments

(1) If currency is exchanged, commission is due.(2) In the case of a credit after deposit (CAE), in addition:

- Postage costs €25 - Corresponding charges vary depending on the country

(3) Member States of the European Union plus Iceland, Norway and Liechtenstein.

(4) International Bank Account Number.(5) Business Identifier Code.

9

Outward payments

European credit transfers issued (1)

• Remote transmission or internet platform- Per individual credit transfer ____________________ E0.22- Per remittance ________________________________ E3.50

• Paper hard copy- Per individual credit transfer _______________________ E7

International credit transfers issued (commercial ans cash)• Transfer commission (in electronic format)

- Up to E75,000 _________0.1% of the transaction amount- Over E75,000 _________0.05% of the transaction amountWith a minimum of ______________________________ E11

• Transfer commission (in paper format)- Up to E75,000 _________0.1% of the transaction amount- Over E75,000 ________ 0.05% of the transaction amountWith a minimum of _______________________________ E18

Payment of foreign issued bills - Per bill(2) _______________0.15% of the amount, min. E35

Payment of foreign issued cheques - Per cheque(2) ___________0.15% of the amount, min. E35

Various transactions • Lack of or error in the IBAN or BIC on a transfer issued

or received ____________________________________ E17

• Transactions on bills and cheques (acceptance, Maturity extension, outstanding payment, and notice of receipt) _____________________________________ E31

• Postage costs(3) on bills and cheques payable abroad ________________________________________ E25

• Correspondant bank charges on bills and cheques payable abroad ___________________ Depending on the country

• Processing fees ___________________________min. E17

• Swift transmission fees __________________________ E5

Currency exchange

• Foreign exchange commission (spot or forward)(2)

- Up to E75,000 _____ 0.055% of the transaction amount- Over E75,000 _____ 0.025% of the transaction amount with a minimum of ______________________________________ E16

• Forward currency exchange(4)

- Set-up per dossier(5) ________________________________________ E35- Collection, report per event _______________________________ E12

(1) Miscellaneous costs (postage, SWIFT, etc.) may be additional.(2) Foreign exchange commission applies to any operation involving

the purchase or sale of foreign currency. Calculated per the amount of the transaction.

(3) Only in the case of a Credit after deposit.(4) Subject to acceptance of your application.(5) Currency exchange commission is additional.

10

Cards

• Visa Business Card- Immediate debit card _________________________________________ E43- Deferred debit card ____________________________________________ E55

• Visa Gold Business Card (debit card) _____________ E137

• Elys Affaires card ____________________ Please contact us

• Various transactions

• Stop payment on card- For loss, theft or fraudulent use _____________________________ free- For misuse _______________________________________________________ E36

• Card replacement ___________________________________________ E12.50

• Reissuance of PIN number _____________________________________ E9

• Search fees VAT ______________________________min. E12

• Mailing card fees (excluding postage) _ ____________ E2.30

Cash Withdrawal in euros

• From an HSBC Group ATM _________________________ free(2)

• From another bank’s(1) ATM - For cardholders of a Business card issuedas part of an HSBC Business Convention/Solutionor a Elys Affaires card ____________________________________________ free- For cardholders of another card ______________________________ free • At Visa or MasterCard’s network offices _____________________ €5

Cash withdrawal and payment from abroad (outside euro zone) (3)

• From an HSBC Group ATM __________________________________ free(2)

• From another bank’s(1) ATM __________________________________ €3.05 + 2.90% of the gross amount

of the transaction• At Visa or MasterCard’s network offices _____________________ €5

+ 2.90% of the gross amountof the transaction

Payment from abroad (outside euro zone)(3)

• Payment fees ____________________ + 2.90% of the gross amount of the transaction

Merchant acquiring

• Terminal Payment in point of sale physical card payment through merchant card terminal POS material - Fees per transaction ________________ Please contact us Prices established according to several criteria (volume and average amount per transaction)

• ElysNET e-commerce Solution - Set-up fee VAT ________________________________ E285 - Monthly subscription fees VAT ________________ E23.90 - Cost per transaction ________________ Please contact us - “Fraud detection tools” option:

Monthly subscription fees ________________________ E15

• The e-commerce Package VAT Companies with turnover ≤ E1.5 million An all-in one solution combining the creation of your merchant site and the secure Elys Net Payment solution.

- Monthly subscription fees ____________ starting from E55 - Set-up fee __________________________________ E142.50

ElysNETA secure online payment solution

Easy to implement and simple to use, Elys Net Payment allows your customers to settle their purchases directly online, 24/7.Based on high performance, technical solutions, Elys Net Payment ensures the security of transactions on your web site.With this solution, you can offer your customers an extremely safe payment method (Bankcards, VISA or MasterCard).

Cards services

(1) Automatic Teller Machine.(2) Commissions could nevertheless be charged in certain countries

as some HSBC entities worldwide (list unknown at this time) automatically debit commissions on ATM withdrawals.

(3) New Caledonia, French Polynesia, and Wallis-and-Futuna are outside the eurozone.

11

Import transactions

Documentary collection• Opening commission(1) ______________________________________ 0.25 % of transaction amount - via internet _________________________________________________min. E100 - paper based _______________________________________________ min. E135

• Commission for extension/increase(1)(2) _________________ 0.25 % of the transaction amount,

min. E118

• Handling fees ________________________________________________ 0.125 % of the transaction amount,

min. E125

• Commitment fee(3) ___________________________________________ 0.25 % of the transaction amount,

min. E90Other import transaction fees• Shipping Guarantee / Delivery order charges ____________0.10% of the transaction amount,

min. E100• Miscellaneous operations _______________________________________E48• Postage fees _____________________________________per mail min. E25• Swift charges _______________________________________________________ E5• Tracers charges _____________________________________________each E10

Export transactions

Export documentary collection• Collection commission _____________________________________ 0.20 % of the transaction amount,

min. E85Documentary export• Advising fees ___________________________________________________0.10 % of the transaction amount,

min. E105

• Amendment fees ________________________________________________ E115• Confirmation fees / amendement on confirmed credit ___________________ contact us

• Handling fees __________________________________________________0.15 % of the transaction amount,

min. E125Other export transaction fees• Acceptance fee ___________________________________________ min. E130 variable depending on the country• Payment commission __________________________________________ E105

• Transfer commission _________________________________________ 0.15% of the transaction amount,

min. E235

• Commitment fees ____________________________________________0.10 % of the transaction amount,

min. E95

• Discrepancy fee ___________________________________________________E95

• Miscellaneous operations _______________________________________E38

• Postage fees ________________________________________________min. E25 variable depending on the destination

International “advantages”

• HSBCnet Internet Solution VATBy subscribing to the Trade services package, you will enjoy a lot of services like documentary credits issuing, online export documentary acceptance, advising, and a real time monitoring of export transactions, offering a simple documentary credits management. In a few clicks, you can create and download your Trade reports _____________________________________________________ contact us

• Instant@dvice _________________________________________________freeElectronic notification of your documentary credits

Trade

(1) Quartery.(2) For any other amendment, flat fee of €115.(3) Quartery:0.083% per month (month commenced is due).

12

Internet solutions

Elys PC VATA direct secure way to access and manage your accounts held at HSBC France online.

• International Package including: account statements, Business card statements(1), SEPA credit transfers and cash transfers in euros, securities and investments, international credit transfers, management of the credit transfer recipients, and mobile applications.

Monthly subscription fees - Companies with turnover ≤ E750,000 _______________ E18.5 - Companies with turnover > E750,000 ____________ E37

• Full package including: account statements, Business card statements(1), SEPA credit transfers and cash transfer in euros, securities and investments, LCR data capture, commercial portfolio, file transfers, international credit transfers, Infomails, Elys Affaires cards, other MT940(1) bank statements, management of credit transfer recipients, and mobile applications.

Monthly subscription fees - Companies with turnover ≤ e750,000 __________ e26.5 - Companies with turnover > e750,000 ____________ e53 Cost per line(2) ___________ _____________________ e0.07

Confirmation by fax (per file) _______________________ e5 Commission per email (Info. email) _ _____________ e0.87

• Basic Package now released only in connection with the HSBC Business Convention (see page 14), which includes: account statements, Business card statements (1), SEPA credit transfers and cash transfers in euros, securities and investments, management of the credit transfer recipients, and mobile applications.

Monthly subscription fees - Companies with turnover ≤ €750,000_____________ €13 - Companies with turnover > €750,000 ___________________ €26

Banking communication services

(1) For the companies concerned.(2) Commission by recording (French Banking Organisation and

Standardisation Committee format - CFONB), or by sequence or operation (XML format).

(3) As long as they are accepted by the Bank. Please contact us.

HSBCnet VATDirect secure access to manage your accounts from anywhere in the world.

• Simplified Package Services included: real-time information on accounts

opened with the HSBC Group, international credit transfers, SEPA credit transfers, file transfer CFONB format(3), securities and investments, and HSBCnet Mobile.

- Monthly subscription fees _______________________ €35 - Cost per line(2) _______________________________________________ E0.07

• International package Services included: real-time information on HSBC accounts, SEPA credit transfers, international credit transfers, notice of direct debits, transferring files using local formats (CFONB)(2)(3) and international formats (BACS, XML, and SWIFT...), and HSBCnet Mobile.

- Set up fees ___________________________________________________ E300 - Monthly subscription fees _________________________________ E75 - Cost per line(2) ________________________________________________ E0.07

• Package Trade Services Services included: issuance of credit documents, online

acceptance of imported documents, notification and monitoring in real time of export transactions, creation and download of Trade reports.

Monthly subscription fees ________________________ E35

• Full package

Services included: International package and Trade package.

- Set up fees ___________________________________________________ E300 - Monthly subscription fees ________________________________ E100 - Cost per line(2) ________________________________________________ E0.07

13

(1) Commission by recording (French Banking Organisation and Standardisation Committee format - CFONB), or by sequence or operation (XML format).

(2) Excluding set-up costs

File exchange solutions

HSBC CONNECT under the EBICS Protocol VAT Multibank Solution for exchanging electronic files enabling the management of one’s account held at HSBC France.

Customer to Bank and Bank to customer (2-way) • Simplified Package Includes five services to be chosen from the following:

account statements, SEPA transfers, SEPA direct debits, LCRs, international transfers, statements of unpaid SEPA direct debits, LCR/BOR domiciliation statements, unpaid LCRs, SEPA transfers received, currency account statements, and international account statements.

- Monthly subscription fees ___________________________________ E51 - Cost per line (1) _______________________________________________ E0.07 - Fax confirmation (per file received) _________________________E5

• Full package includes all services available. - Monthly subscription fees_ ______________________ E79 - Cost per line(1) _______________________________ E0.07 - Fax confirmation (per file received) ________________ E5

Customer towards the Bank • Simplified Package includes two services to be chosen from the following:

SEPA transfers, SEPA direct debits, LCRs, and international transfer statements.

- Monthly subscription fees _______________________ E30 - Cost per line(1) _______________________________ E0.07 - Fax confirmation (per file received) ________________ E5

• Full package includes all services available - Monthly subscription fees _______________________ E42 - Cost per line(1) _______________________________ E0.07 - Fax confirmation (per file received) ________________ E5

Bank towards the customer• Simplified Package includes two services to be chosen from the following:

account statements, unpaid SEPA direct debits, LCR/BOR domiciliation statement, unpaid LCRs, SEPA transfers received, currency account statements, and international account statements.

- Monthly subscription fees ___________________________________E40 - Cost per line(1) ________________________________________________ E0.07

• Full package includes all services available - Monthly subscription fees _______________________ E50 - Cost per line(1) _______________________________ E0.07

SWIFT solutions

HSBC SWIFT for Corporates VAT Dedicated international secure messaging service to manage your feeds anywhere in the world.

• FIN(2) includes 25 HSBC accounts, FIN messaging payments

(MT101) and HSBC France statements (MT940, MT942)(2).

- Monthly subscription fees ________________________________ €100 • FileAct(2) includes 25 HSBC accounts, FileAct file transfers payments

(MT101) and HSBC France statements (MT940, MT942)(1).

- Monthly subscription fees ________________________________ €100

• FIN et FileAct(2)

includes 25 HSBC accounts, FIN messaging and FileAct file transfers.

- Monthly subscription fees _________________________________ E152

- Statement of accounts from other countries ________________________ Please contact us

Data exchange Cash Management:

- Sending MT940 by HSBC France to a third-party Bank, (per account and per month) _____________________ E52

- Receiving MT 101 by HSBC France from a third-party Bank, (per account and per month)(2) _____________________ E26

14

HSBC Business Convention VATCompanies with turnover ≤ E1.5 million having domestic transactions only.

Monthly subscription fees __ with a Visa Business Card E19(1)

Monthly subscription fees __ with a Visa Gold Business E26(1)

The Business Convention includes the following benefits:• Visa Business Card or Visa Gold Business Card.

• A monthly transaction statement to facilitate the tracking of your payments.

• Daily banking services - Cash bank card withdrawals in France and in the euro area

(all ATMs), - Card replacement, - Reissuance of PIN number, - Fees for stop payments on cheques, debit transfers and

cards.

• Internet access with Elys PC included in the basic package.

• Optional: overdraft facility up to E10,000(2).

• VOLASSUR PRO Insurance including(3) : - Insurance against loss or theft of means of payment, keys,

and professional documents, - Guarantee against fraudulent calls made if your mobile

business phone is stolen, - Guarantee against theft of funds being transported off the

business premises, - “Allo Info Pro” telephone helpline at +33(0)1 30 97 97 68(4)

for any professional questions concerning administrative, legal, social or fiscal issues.

- Your professional mobile device(5) (laptop, tablet or mobile phone) is covered against theft(3) along with one of your guaranteed payment methods.

- All legal representatives(3) of your member company are guaranteed.

Packaged offersHSBC Business Solution VATCompanies with domestic and international transactions

Monthly subscription fees ___ with a Visa Business Card E30(1)

Monthly subscription fees ___ with a Visa Gold Business E37(1)

The Business Solution includes the following benefits:• Visa Business Card or Visa Gold Business Card.

• A monthly transaction statement to facilitate the tracking of your payments.

• Daily banking services - Cash withdrawals with bank card in France and in the euro

area (all ATMs), - Card replacement, - PIN reissuance, - Fees for stop payments on cheques, debit transfers and

cards.

• Internet access with Elys PC included in the international package.

• VOLASSUR PRO Insurance including(3) : - Insurance against loss or theft of means of payment, keys,

and professional documents, - Guarantee against fraudulent calls made if your mobile

business phone is stolen, - Guarantee against theft of funds being transported off the

business premises, - “Allo Info Pro” telephone helpline at +33(0)1 30 97 97 68(4)

for any professional questions concerning administrative, legal, social or fiscal issues.

- Your professional mobile device(5) (laptop, tablet or mobile phone) is covered against theft(3) along with one of your guaranteed payment methods.

- All legal representatives(3) of your member company are guaranteed.

Entrepreneur Package(6) (a more commercial offer) VATMonthly subscription fees _____ with a Visa Business Card E45Monthly subscription fees _____ with a Visa Gold Business E50

(1) If subscribing for the full Elys PC package, add E13.50 to the subscription price for a company with turnover less than E750,000, and E27 to the subscription price for a company with turnover greater than E750,000.

(2) Subject to acceptance of your application.(3) Volassur Pro is a group insurance policy with individual adherence taken out by HSBC France with AIG Europe Limited, approved and

controlled by the “Prudential Regulatory Authority”. The sale of insurance policies in France by the French subsidiary of AIG Europe Limited is subject to applicable French legislation, under the control of the French Prudential Supervisory Authority and Juridica, approved and supervised by the Prudential Supervisory Authority and with Loyalty Build Limited, the trade name of Affinion International. Within the limits of the provisions laid down in the information leaflet.

(4) Monday to Friday from 9:30am to 7:30pm. Price of a local call in metropolitan France.(5) Mobile Security covers professional use mobile devices and their carrying case, within a limit of E750 incl. tax, with sub-limits of E400 incl.

tax for mobile phones, E75 incl. tax for the carrying case, and up to one claim per year.(6) Rate for annual transactions < E300,000

15

Cash management solutionsDomestic cash management

Elys Centralisation _____________________________ Please contact usGrouping at day’s end of the account balances hold at HSBC France in euros and all currencies handled by HSBC France.

Elys Centralisation Valeur Daily grouping according to value date

Elys Centralisation ComptableGrouping by accounting recording date (daily, weekly, or monthly).

Elys FusionMerging of interest accounts hold at HSBC France in euros and all currencies handled by HSBC France. - Monthly subscription fees per account _____________________ E25- Set-up fee_________________________________________ Please contact us

International cash managementGlobal cash management solution of the HSBC Group.

Global Intraday Liquidity SolutionsGrouping throughout the day of account positions opened with the HSBC Group (1).- Monthly subscription fees ____________________ Please contact us- Set-up fee_________________________________________ Please contact us

Global Liquidity Solutions End of Day Grouping at day’s end of the balances of account positions opened with the HSBC Group (1).- Monthly subscription fees ____________________ Please contact us- Set-up fee_________________________________________ Please contact us

Global Liquidity Solutions Partner Banks Grouping at the end of the day of the balances of accounts opened at partner banks.- Monthly subscription fees ____________________ Please contact us- Set-up fee_________________________________________ Please contact us

(1) Please note that according to existing regulations, non-commercial individuals, associations and corporations, domiciled or fiscally established in France, are required to report on their income tax returns any accounts open, used or closed abroad as well as the respective income from said accounts. In addition, concerning individuals, upon receiving investment income through these accounts, the latter must pay social security contributions and, where appropriate, interim income tax payments. Also, these accounts should file the wealth tax if the account holder is liable to pay. Furthermore, under existing regulations, individuals, tax domiciled in France, are required to declare in their income tax returns any life insurance contracts held with organisations established outside France and, where applicable, all revenues generated on these contracts for total or partial redemption. In addition, they must also pay the social contributions due under their contract. Also, these life insurance contracts should be reported to the wealth tax if the account holder is liable to pay. In the event of non-compliance with these obligations, those concerned are liable for back taxes and the applied sanctions. For more details on these tax obligations, we recommend you contact your regular tax advisor.

16

Investment solutionsAll amounts in this section are shown without Tax on Acquisition of Securities, which is currently 0.2%(3)

Remuneration of the distributor for marketing OPCVM’s for HSBC France Companies, Institutions and Associations (retrocession of management fees based on net assets) HSBC France, as the distribution company designated, will be given a compensation at an overall average rate of 50% percent of administrative fees withdrawn from the OPC net value by the investment company.According to Art. 314-76 of the AMF’s general regulations, HSBC France is at investors’ disposal for any additional information. These rates are subject to change depending on changes in the market and OPCVMs.

(1) Euronext Markets France, Belgium, Netherlands. Contact us about charges related to other markets.(2) SIN stocks quoted on the Euronext Markets(1).All other stocks: 5 €/line.(3) Tax on Acquisitions of Debt Instruments, currently 0.2%, is applicable on every acquisition in return for a payment, on an equity security or similar (admitted to

negotiations on French or foreign regulated markets) of a French company whose market capitalisation is higher than €1 billion on December 1st of the year preceding the taxation year. You are liable for this tax on the acquisition of shares referred to above regard less of whether they were purchased directly by you or under an HSBC Equity Shares Europe or France Mandate.

(4) Before investing in an OPC under French or foreign law, you must carefully review the French version of the Key Investor Information Document (KIID) or its prospectus. Regulatory documents are available at HSBC branches or www.hsbc.fr/selecteur-opcvm. Before making any investment decision, you must ensure that the media considered match your financial situation, your investment objectives, your risk tolerance and the regulations to which you are subject (and particularly local legislation that may be applicable to you). Investments subject to market fluctuations may vary downward as well as upward and carry a risk of capital loss.

Stock orders

Orders on Euronext Markets(1)

Order made via the Internet

Value of the order Proportional commission

Minimum fee per order

• Up to 15,000 E 0,45 %7,94 E

• Above 15,000 E 0,267 %

Order made via the branch

Custody VAT

HSBC France Group money-market funds (OPCs)•Managementfees ________ refer to the AMF prospectus(4)

•Regularmonetaryfund - subscription fees via the Internet __________________________ free - subscription fees in branch ___________________________________E15

•OtherOPCs(includingnon-monetaryfundOPCs) ______________________________________________________________ contact us

•Managementfees:refertotheAMFprospectus

Other transactionsExcluding HSBC France Group money-market funds (OPCs) VAT

Subscription fees _________________________________ E25

Payment of coupons VAT- Euronext stocks(3) _______________________________________________ free- Foreign stocks with ISIN code, euroclear France registrar(3) __________________________________________________________ free

- Foreign stocks with ISIN code, overseas registrar _____ 2.5%

Transfer of stocks to another institution VAT•RegistrarFrance,Belgium,Netherlands ______ per line E4.16

min. E33.3•Registrarabroad __________________________________ per line E41.66

Securities transactions (OSTs) _________________ €12.80

Various VAT•Portfoliostatement - Annual _________________________________________ free - Monthly, quarterly, half-yearly __________ per item E8.33

•Statementonrequest ____________________ per item E25

Delegated managementSubscription fees ___________________________________________contact us

Financial management fee ______________________________ contact us

Portfolio amount determined on the total value of only billable lines

Fixed permission per line(2) + Proportional commission per tranche

Minimum charge per account

• Up to 80 000 E 4,18 E + 0,20 %

14 Eper semester

• From 80 001 E to 160 000 E 4,18 E + 0,15 %

• Above 160 000 E 4,18 E + 0,117 %

Value of the order Fixed charge + proportional commission

Minimum fee per order

• Up to 8 000 E 4,18 E + 1,083 %

7,52 E• From 8 001 E to 16 000 E 4,18 E + 0,917 %

• More than 16 000 E 4,18 E + 0,75 %

17

Deposits

• Term depositsAmount: ______________________________________________ min. E7500Duration: _____________ 1 month minimum/maximum 5 yearsCurrencies ________________________ in euros or other currenciesRemuneration _________________________________________ contact usSubscription fees _____________________________________________ nonePrepayment: no penalties(1)

• Certificates of negotiables depositsAmount: ________________________________________________ min. E200Duration: ___________________ from one day to one yearCurrency ___________________________________in eurosRemuneration ____________________________ contact usSubscription fees _____________________________ none

Prepayment: no penalties(1)

• Negotiables medium-term notesAmount: __________________________________________ min. E150 000Duration: ________________________ more than one yearCurrency ___________________________________in eurosRemuneration ____________________________ contact usSubscription fees _____________________________ none

Prepayment: no penalties(1)

Cash management

• Trésorerie PlusAmount(3) __________________________________________ min. E100 000 max. E3 000 000Currency ____________________________________________________ in EurosRemuneration ____________________________________________ EONIA(3)

Subscription fees _____________________________________________ none • Trésorerie Plus CorporateAmount(2) ________________________________________ min. E3 000 000 max. E50 000 000Currency ____________________________________________________ in eurosRémunération _________________________________________ contact usSubscription fees _____________________________________________ none

Regulated Savings

• Livret A (Savings Account)Regulated rate and amount fixed by the Public Authorities(contact us for the amounts and rates).Eligibles legal entities:- Non-profits legal entities (regulated by the 1901 Act not subject to common law corporation tax) and property owning syndicates

- Social housing organisations

• Compte Sur Livret (Passbook Account)Eligibles legal entities:The passbook account is only accessible tonon-profit legal entities including (French 1901 law) (contact us for the applicable amounts and rates).

Investment solutions to manage your cash surpluses depending on your investment profile, the term of your investment, your goals and management constraints

(1) Subject to interest at a reduced rate(2) Interbank offered rate for deposits between best rated banks(3) No remuneration if the balance falls below the minimum or rises above the maximum

18

Loan offerTerms loans and overdraft

• Rates(1)

The rate applicable is the prime rate. A margin is added depending on:- the credit nature and duration,- the borrower financial strength and turnover.

• Set-up and renewal fees for short, medium and long-term credits _______________________________________________ 1.2 %

of the amount depending on the file complexity _______________________________________ min. E250

• Amendment fees _________________________________________ min. E250Depending on the file amount and complexity

• Commitment fee calculated on the confirmed facility amount _______________________________________0.25 % to 1 %

• Unpaid charges ___________________________________________________ E75

• Annual information to guarantors ____________________________ E57

Commercial discount

• Charge per discounted bill ________________________________ See p. 6• Charge per remittance ______________________________________0.10 % of the remittance amount, max. E12

Assignement of receivables under Dailly law

• Charge per invoice purchased__________________________________E10• Charge per remittance ___________________________________________E18• Notification or acceptance fees

per invoice purchased _________________________________________ E30(2)

• Unpaid invoice fees _____________________________________________ E30• Extension fees per invoice _____________________________________ E20

Equipment leasing

The following terms are applicable to HSBC France leasing with purchase option and simple lease transactions

• Arrangement fees VAT ________________________________ from 0.3 % of the amount financed min. E100• Registry fees VAT ________________________________________________ E35• Administrative fees during the contract VAT ______ contact us• Change of bank details VAT ____________________________________ E30 per operation• Reissuing of documents VAT ________________E30 per operation• Various certificates VAT _______________________E30 per operation• Management of a claim covered by collective insurance _____________________________ E0 per operation• Management of a claim not covered by collective insurance VAT ____________________ E150 per operation• Modification of a repayment schedule VAT_______________E250 min.per operation (tariff is dependant upon complexity)• Transfer on behalf of a new lessee VAT ___________________E250

min.per operation• Lessee insurance(3) _______________________________________ contact us• Management of subsidy received from a third party VAT __________________________________________E250

min.per operation• Log book management

(loss, theft, modification) VAT _________________________________ E70per operation

• Request to cross off asset registry entry VAT ______________ E0• Modification of insurance VAT _______________________________E250

min.per operation• Request for early termination VAT ___________________________ E30 (for more than one request on the same contract)• Other fees VAT (including management of fines, chasing copies of log

books…) ____________________________________________________________ E50

For contracts on registered non-rolling equipment• Fully comprehensive insurance(4) ___________________________________

depending of equipment type and amount

For contracts on registered rolling equipment• Financial gap insurance(4) _____________________________________________

depending of equipment type and amount

(1) Conventional interest is calculated taking into account the exact number of days based on a 360 - day year.(2) Applicable only for assignement of receivables notified to debtors.(3) Collective insurance contract underwritten by HSBC France with HSBC Assurances Vie (France). Within contractual provisions.(4) Insurance contract underwritten by HSBC France with AXA France, a company governed by the Insurance Code. Within contractual provisions.

19

(1) Excluding commision risk.(2) Insurance contract underwritten with Euler Hermes France, a company governed by the Insurance Code. Within contractual provisions.(3) Monthly frequency.

Guarantess

• Domestic guarantees(1)

- standard document ________________________ E47 per document - complex document _______________________ E115 per document - amendment ______________________________________________________ E47• Express guarantee _____________________________ per element E59 • Release of caution fee _________________________________________ E47• Other operations _________________________________________contact us

International guarantees• Issuing fees _______________________________________________ contact us• Drafting of the legal document ____per guarantee min. E125

variable depending on the file’s complexity• Amendment fees ____________________________________ E80 / per unit• Urgent set-up fees _____________________________________________ E200• Application of the garantee fees ____________________________ E150• Release of the guarantee fees ________________________________E47

Factoring VAT

• Various solutions you can make ______________________contact us - Confidential or notified - Credit-insurance - France or export - Pan European

Protection of Trade receivables

• Credit-insurance __________________________________________contact us

Main conditions for account statement

lnterest expenses• In euros calculated on the basis

of the prime rate plus __________________________ 7.50%• Other currencies (calculated on the basis of the daily

currency rate plus a margin)

Various commissions on account statements • Flat-rate commission on overdrafts less than €400

in average per day between two monthly statements(3) _______________________________________ E5 / per month

• Overdraft commission __________________________0.07%(calculated on the highest overdraft of each month and limited to 100% of interest expenses)

• Excess commission __________________________________________ 0.70% (calculated on the highest debit balance of each month or

in excess of the facility amount)

• Non variation fees (applicable to overdraft) ______________________________________2.50%

(calculated on the debit balances when no credit balance is recorded during the statement period)

• Supply of interest rate schedule _________________E8 per edition

20

(1) Group insurance policy Retirement benefits in euros and variable capital taken out with Arial Insurance, regulated under the Insurance Code. Within the limits of the contractual provisions.

(2) Group pension policy with fixed contribution in euros with variable capital taken out with Arial Insurance, regulated under the Insurance Code. Within the limits of the contractual provisions.

(3) The Retirement is a group insurance policy with individual optional adherence, in euros with variable capital subscribed through the French Savings, Retirement and Provident Association (a non-profit association under the law of 1 July 1901 no. 115 731P) taken out with Generali Life, a company governed by the Insurance Code, through HSBC France. Within the limits of the contractual provisions.

(4) Group insurance policy taken out by HSBC France, with HSBC Assurances Vie (France). Within the limits of the contractual provisions.(5) Group insurance policy taken out by HSBC France, with AIG Europe Limited. Within the limits of the contractual provisions.(6) Volassur Pro is a group insurance policy taken out by HSBC France with AIG Europe Limited, approved and controlled by the “Prudential Regulatory

Authority”. The sale of insurance policies in France by the French subsidiary of AIG Europe Limited is subject to applicable French legislation, under the control of the French Prudential Supervisory Authority and Juridica, approved and supervised by the Prudential Supervisory Authority and with Loyalty Build Limited, the trade name of Affinion International. Within the limits of the contractual provisions.

(7) Casualty insurance policy subscribed through HSBC France with AXA France IARD, company governed by the Insurance Code. Within the limits of the contractual provisions.

(8) Group insurance contract with optional enrolment subscribed by the ANPERE Association (National Association for Providence, Savings and Retirement) with AXA France IARD. Within the limits of the contractual provisions.

(9) Atoll Provident is a group insurance policy with individual optional adherence, subscribed through the French Grouping of Providence, Health, and Accident Association (a non-profit association under the law of 1 July 1901 no. 115 731P) taken out with Generali Life, a company governed by the Insurance Code, through HSBC France. Within the limits of the contractual provisions.

(10) La Santé Health is a group insurance policy with individual optional adherence, subscribed through the French Savings Association (a non-profit association under the law of 1901) taken out with Generali IARD, a company governed by the Insurance Code, through HSBC France. Within the limits of the contractual provisions.

(11) An insurance policy subscribed with Euler Hermes France, a company governed by the Insurance Code. Within the limits of the contractual provisions.

Protection solutionsCorporate savings and retirement planning

PEE (Company Savings Plan) or PEI (Inter-company Savings Plan), _____________________________________ Please contact us

PERCO (Collective Retirement Savings Plan) or PERCO-I (Inter-company Retirement Savings Plan) _______________________________________ Please contact us

HSBC IFC (1) ________________________________________ Please contact us(Allowance end-of-carrer)

HSBC Retirement 83(2) ________________________ Please contact us(Group retirement benefits)

Madelin Retirement(3) _________________________ Please contact us

Corporate insurance coverage

Trade Credit Insurance (11) ____________________ Please contact us

Keyman Insurance (4) ___________________________ Please contact us

Overhead expenses Insurance (5) _________ Please contact us

Credit Protection Insurance (4) ______________ Please contact us

Insurance in case of death(Term life insurance)(6) ___________________________ Please contact us

Volassur Pro(6)

• Annual fee _________________ 1st insured party E54.74 (E60 TTC) 2nd insured party E31.81 E (E35 TTC)

Corporate officer coverage

HSBC corporate officer coverage- Directors & Officers Liability Insurance(7) _____________________________ Please contact us

- Executive unemployment insurance(8) ___________________ Please contact us

Madelin Atoll Disability(9) ____________________ Please contact us

Madelin Health(10) _______________________________ Please contact us

21

Value datesTransactions in France and SEPA

• Cash deposit _ __________________________transaction day• Cash withdrawal ________________________transaction day• Presentation of cheque ___________________1 working day

After accounting date(1)

• Payment of the cheque ___________________1 working dayBefore the debit date of the account

• Received credit transfer ___________________________ daydate of receipt of the funds

• Credit transfer sent _________________________ day of theinterbank settlement date

• Direct debit received _____________________________day(4)

interbank settlement date(2)

• Direct debit paid ____________________________________dayinterbank settlement date

• Bill paid LCR/BOR - SBF deposited __________________________________ 4 calendar days

after maturity (postponed if applicable)

For a deposit carried out at least 12 calendar days before maturity - Discount line ______________________________________ 1 calendar day

after the processing date• Payment of a domiciled bill _____________________ 1 calendar day

before the settlement date

International transactions

• Transfers abroad(3)

- in European currencies(4) _____________________________________ daydate the transfer is debited from the account

- in non-European currencies _____________________ 1 working daybefore the transfer is debited from the account

• Settlement of cheques from abroad(3) ________________________________________ 1 working day before the debit date of the account(2)

(drawn or domiciled on euro or foreign currency accounts)

• Settlement of bills from abroad(5) ________________________________________ 1 working day before the debit date of the account(2)

• Settlements from abroad(5)

- in European currencies(4) _______________________________________ day date of actual receipt of the funds

- in non-European currencies ____________ 2 working daysafter the date of actual receipt of the funds

• Cheques deposited from abroad (3)

- in credit after deposit ___________________1 working day after the date of actual receipt of the funds - under reserve __________________________________ 10 working days after the processing date

• Bills deposited from abroad(3)

_________________________________________________________2 working days after the date of actual receipt of the funds

Foreign exchange operations

• In cash - Debiting an account in euros

or in foreign currency __________________ 1 working daybefore the transaction

- Crediting an account in euros or in foreign currency _________________ 2 working days

after the transactions• Forward transactions _________________ Please contact us

(1) The accounting date is D for a cheque deposited into an agency before 12 noon, D+1 for a cheque deposited in Agency after 12 noon.

(2) For a deposit made at least 4 working days before the payment is due.

(3) Any currency exchange transaction requiring 2 additional working days.

(4) List of European currencies concerned: EUR (Eurozone), CHF (Liechtenstein), DKK (Denmark), HUF (Hungary), NOK (Norway), RON (Romania), SEK (Sweden), GBP (United Kingdom), BGN (Bulgaria), ISK (Iceland), LTL (Lithuania), PLN (Poland), CZK (Czech Republic), and HRK (Croatia).

(5) In the event of currency sold: 1 additional working day.

22

HSBC, committed to sustainable developmentHSBC France Corporate sustainability strategy

HSBC recognises that environmental, social and economic issues are critical to its long-term success.HSBC France develops the Group’s strategy for Corporate Sustainability in three key areas:

Sustainable Finance

• Sustainability risk framework A signatory to the Equator Principles, HSBC has proactively expanded these principles, by developing policies for sectors with high environmental or social impact: forestry, agricultural commodities, freshwater infrastructure, mining and metals, chemicals, energy, World Heritage sites and Ramsar Wetlands and defence(1).

The British think tank Global Canopy Programme (GCP) ranked HSBC a leading company in the fight against deforestation. A Forest 500 leader and a unique player in the banking sector, HSBC is one of only seven multinationals with “serious and effective policies to protect the rainforest”. Published in February 2015, this classification reviews the practices and policies of 250 companies, 150 investors and 50 jurisdictions based on their efforts in the fight against deforestation. Together, these 500 players work to combat all threats faced by the rainforest. Deforestation accounts for 25% of global greenhouse gas emissions.

• Climate Business Since 2010, HSBC has supported the international growth of “a low-carbon economy” that develops products and services to accelerate the shift towards renewable energy, energy efficiency, low carbon transport...

HSBC is a sponsor of “Panorama 2015 des Clean Tech”, published by GreenUnivers, which presents an evaluation of the main trends, a review of public policy, analysis of public and private investment and a look at the position of French companies in the international market.

• ESG integration In order to meet investors’s expectations, HSBC is increasingly encouraging more companies to consider long-term issues by incorporating the assessment of environmental and social impact and corporate governance in its offerings: Green Bond issue, sustainable funds, expertise in ESG for SRI analysts, etc.

In 2014, the HSBC Climate Change Centre of Excellence commissioned a report, “Bonds and Climate Change: the state of the market in 2014”, as part of the Climate Bonds Initiative, to assist in raising the awareness among issuers and investors regarding the opportunities offered by climate change.

• Social and solidarity economy HSBC France has allocated €2 million in lines of credit to Adie (Association pour le Droit à l’Initiative Economique —Association for the Right to Economic Initiative). HSBC France also participates in the FinanCités Citizen Capital and Business Angels des Cités venture capital funds.

(1) These sectoral guides are available on www.hsbc.fr. under Développement Durable (Sustainability).

23

Sustainable operations

HSBC aims to be the most energy-efficient bank by 2020, by reducing its CO2 emissions by one tonne per employee per year compared to 2012 levels.

Sustainable communities

• The Fondation HSBC pour l’Education works towards the facilitation of access to education for young people from deprived areas: Since the establishment of the Foundation, almost 60,000 young people and 145 projects have benefited from its support.

• The HSBC Water Programme is a partnership launched in June 2012, for an amount of $100 million over five years, with three global Non-Governmental Organisations (NGOs): Earthwatch, WaterAid and the WWF.

More than 1440 group employees in France have completed 1750 volunteer missions, representing nearly 12,000 hours, including 72% in working hours.

For further information, see the dedicated pages at www.hsbc.fr/rapportsdd

2015 marks a milestone in the commitment of countries against climate change, with the holding of the COP21 Climate Change Conference in Paris in December. The Conference aims for 193 countries to reach a binding agreement to limit global warming to 2°C in the post-2020 period compared to pre-industrial levels.

This event, hosted and chaired by France, will be an opportunity for many companies to demonstrate their expertise in eco-technologies for the development of a low-carbon economy to the 40,000 expected attendees.

HSBC France is supporting its partners and customers throughout this crucial year, making its own contribution to the success of these negotiations.

24

The quality of our services:you be the judgeAt HSBC France we are committed to providing you with a first-class service and effectively delivering the products and services you need. Even with the best of intentions, we know things can go wrong. So, if for any reason you are not entirely satisfied with any aspect of our service, please let us know as soon as possible. We’ll investigate the situation and where necessary, set about putting things right as quickly as possible. We may also take steps to avoid similar problems happening in the future. Your views are important to us and your feedback is key to improving the products and services we offer.

First, contact your branch

Your business advisor and branch manager are your main contacts for voicing your complaints

You can contact them:

• directly in your branch by arranging an appointment,

• by post, by telephone or by email : Contact details are available at www.hsbc.fr under “Find a branch”

• on internet at www.hsbc.fr under “Contact HSBC”

• by secure messaging from your Elys PC space

• by telephone (1)

Second, contact the Direction du Marché des Entreprises Service Qualité Clients

Should the solution proposed be unsatisfactory in the timeframe required, please do not hesitate to contact the Direction du Marché des Entreprises - Qualité Clients (Corporate and Market Directorate –Customer Care):

0810 83 84 85 0,05 € / min

25

• Téléphone :

(2)

• Post to the following adress : HSBC France Direction du Marché des Entreprises Service Qualité Clients 103 avenue des Champs Elysées 75419 Paris Cedex 08

Our commitments:

• We will fully investigate all the issues you have raised and aim to resolve them as quickly as we can

• Acknowledge your complaint formally within 48 hours,

• Provide an answer within 15 working days except in special cases requiring extensive research.

• We will keep you regularly informed of the progress of your case.

• Set about putting things right as quickly as possible

• If your branch is unable to satisfy your complaint, you can refer your concerns to Service Qualité Clients de la Direction du Marché des Entreprises

(1) From Monday to Friday from 08:30 a.m. to 06 p.m. (2) Article L113-5 of consumer code free-phone number from metropolitan France.(3) The total response time may not exceed 2 months.

0 800 215 915

26

Notes

Published by HSBC FranceReference: 15.000.74 - 04/15

HSBC France Limited Liability Company with capital of €337,189,135 - SIREN no. 775 670 284, RCS Paris 103, Avenue des Champs-Elysées - 75008 Paris, FranceBank and Insurance Intermediary registered with the French register of insurance intermediaries (ORIAS) (www.orias.fr) under no. 07 005 894.

HSBC Life Insurance (France)Limited Liability Company with a capital of €115,000,000 - SIREN no. 338 075 062 RCS Paris Postal address: 75419 Paris, France Cedex 08 Head office: 15, Rue Vernet - 75008 Paris, FranceCompany governed by the Insurance Code

AIG Europe Limited Company with a capital of £197,118,478, registered in England and Wales under number 01486260, whose registered office is located in The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom and whose subsidiary in France is located in Tour CB21, 16 Place de l’Iris 92 400 Courbevoie, France.

Crédit photo : Getty Images