Common use of Foreign Currencies Clause in Contracts

Foreign Currencies. You can buy and sell foreign currencies with us or using our products in a number of ways. Depending upon how you buy or sell foreign currencies, the HSBC exchange rate will comprise any of the following: If you do the following: The HSBC exchange rate you will get is: Transact in branch The real time exchange rate1. Use our online banking service The real time exchange rate1. Use our Markets Desk The real time exchange rate1. Use your Visa Debit card linked to an Everyday Global Account The HSBC daily rate, if there is an insufficient balance of the foreign currency in your account. The Visa exchange rate, if the currency is not a currency we offer on the Everyday Global Account (such as THB), or the currency is a restricted currency (such as CNY). We’ll deduct the amount from the AUD control account. Use your Visa Debit card with other accounts The Visa exchange rate. Use your Visa credit card The Visa exchange rate. Use your Mastercard credit card The amount will be first converted into US Dollars, and then to AUD using the Mastercard exchange rate. Make a transaction that’s rejected (e.g. a telegraphic transfer) The real time exchange rate that applies when we process the payment back to your account. Receive a foreign currency electronic payment and don’t have an account in that foreign currency The real time exchange rate that applies when we process the payment into your account. If you do the following: The HSBC exchange rate you will get is: Where you instruct us to make a payment at a future date or where you pay a third party after currency cut-off times The HSBC daily rate. Deposit or write a foreign currency cheque/draft into an account of a different currency The HSBC daily rate, if the foreign currency cheque/draft amount is equivalent to $50,000 or less. The real time exchange rate, if the foreign currency cheque/draft is equivalent to more than $50,000. Where you use a foreign currency for anything else other than what’s mentioned above The HSBC daily rate.

Foreign Currencies. You can buy and sell foreign currencies with us or using our products in a number of ways. Depending upon how you buy or sell foreign currencies, the HSBC exchange rate will comprise any of the following: If you do the following: The HSBC exchange rate you will get is: Transact in branch The real time exchange rate1HSBC Real Time Exchange Rate1. Use our online banking service The real time exchange rate1HSBC Real Time Exchange Rate1. Use our Markets Desk The real time HSBC Real Time Exchange Rate1. If you do the following: The HSBC exchange rate1. rate you will get is: Use your Visa Debit card linked to an Everyday Global Account The HSBC daily rateDaily Exchange Rate, if there is an insufficient balance of the foreign currency in your account. The Visa exchange rate, if the currency is not a currency we offer otfer on the Everyday Global Account (such as THB), or the currency is a restricted currency (such as CNY). We’ll deduct the amount from the AUD control account. Use your Visa Debit card with linked to other accounts The Visa exchange rate. Use your Visa credit card The Visa exchange rate. Use your Mastercard credit card The amount will be first converted into US Dollars, and then to AUD using the Mastercard exchange rate. Make a transaction that’s rejected (e.g. a telegraphic transferan International Transfer) The real time exchange rate HSBC Real Time Exchange Rate that applies when we process the payment back to your account. Receive a foreign currency electronic payment and don’t have an account in that foreign currency The real time exchange rate that applies when we process the or payment is to credit into your an AUD account. If you do the following: The HSBC exchange rate you will get is: Where you instruct us to make a payment at a future date or where you pay a third party after currency cut-off otf times The HSBC daily rateReal Time Exchange Rate that applies when we process the payment into your account. The HSBC Daily Exchange Rate at the time we process the payment. Deposit or write a foreign currency cheque/cheque/ draft into an account of a different ditferent currency The HSBC daily rateDaily Exchange Rate, if the foreign currency cheque/draft amount is equivalent to $50,000 AUD50,000 or less. The real time exchange rateHSBC Real Time Exchange Rate, if the foreign currency cheque/draft is equivalent to more than $50,000AUD50,000. Where If you use do the following: The HSBC exchange rate you will get is: Deposit Australian dollar cheques into a foreign currency for anything else other than what’s mentioned above account The HSBC daily rateDaily Exchange Rate at the time when the money is available to be credited to your account. If your cheque is dishonoured, we’ll calculate the amount using the current HSBC Daily Exchange Rate or the HSBC Daily Exchange Rate that was applied at the time your account was credited, whichever is lower. Clause 55 (‘Interest rate and foreign currency rate changes’) of this booklet contains further information about this. Set up a periodical payment that involves a foreign currency conversion The HSBC Daily Exchange Rate at the time we process the payment on the periodical payment date.

Foreign Currencies. You can buy and sell foreign currencies with us or using our products in a number of ways. Depending upon how you buy or sell foreign currencies, the HSBC exchange rate will comprise any of the following: If you do the following: The HSBC exchange rate you will get is: Transact in branch The real time exchange rate1HSBC Real Time Exchange Rate1. Use our online banking service The real time exchange rate1HSBC Real Time Exchange Rate1. Use our Markets Desk The real time exchange rate1HSBC Real Time Exchange Rate1. Use your Visa Debit card linked to an Everyday Global Account The HSBC daily rateDaily Exchange Rate, if there is an insufficient balance of the foreign currency in your account. The Visa exchange rate, if the currency is not a currency we offer on the Everyday Global Account (such as THB), or the currency is a restricted currency (such as CNY). We’ll deduct the amount from the AUD control account. Use your Visa Debit card with linked to other accounts The Visa exchange rate. Use your Visa credit card The Visa exchange rate. Use your Mastercard credit card The amount will be first converted into US Dollars, and then to AUD using the Mastercard exchange rate. Make a transaction that’s rejected (e.g. a telegraphic transferan International Transfer) The real time exchange rate HSBC Real Time Exchange Rate that applies when we process the payment back to your account. Receive a foreign currency electronic payment and don’t have an account in that foreign currency The real time exchange rate that applies when we process the payment into your account. If you do the following: The HSBC exchange rate you will get is: Receive a foreign currency electronic payment and don’t have an account in that foreign currency or payment is to credit into an AUD account. Where you instruct us to make a payment at a future date or where you pay a third party after currency cut-off times The HSBC daily rateReal Time Exchange Rate that applies when we process the payment into your account. The HSBC Daily Exchange Rate at the time we process the payment. Deposit or write a foreign currency cheque/cheque/ draft into an account of a different currency The HSBC daily rateDaily Exchange Rate, if the foreign currency cheque/draft amount is equivalent to $50,000 AUD50,000 or less. The real time exchange rateHSBC Real Time Exchange Rate, if the foreign currency cheque/draft is equivalent to more than $50,000AUD50,000. Where you use Deposit Australian dollar cheques into a foreign currency for anything else other than what’s mentioned above account The HSBC daily rateDaily Exchange Rate at the time when the money is available to be credited to your account. If your cheque is dishonoured, we’ll calculate the amount using the current HSBC Daily Exchange Rate or the HSBC Daily Exchange Rate that was applied at the time your account was credited, whichever is lower. Clause 54 of this booklet contains further information about this. Set up a periodical payment that involves a foreign currency conversion The HSBC Daily Exchange Rate at the time we process the payment on the periodical payment date.

Foreign Currencies. You can buy and sell foreign currencies with us or using our products in a number of ways. Depending upon how you buy or sell foreign currencies, the HSBC exchange rate will comprise any of the following: If you do the following: The HSBC exchange rate you will get is: Transact in branch The real time exchange rate1HSBC Real Time Exchange Rate1. Use our online banking service The real time exchange rate1HSBC Real Time Exchange Rate1. Use our Markets Desk The real time exchange rate1HSBC Real Time Exchange Rate1. Use your Visa Debit card linked to an Everyday Global Account The HSBC daily rateDaily Exchange Rate, if there is an insufficient balance of the foreign currency in your account. The Visa exchange rate, if the currency is not a currency we offer otfer on the Everyday Global Account (such as THB), or the currency is a restricted currency (such as CNY). We’ll deduct the amount from the AUD control account. Use your Visa Debit card with linked to other accounts The Visa exchange rate. Use your Visa credit card The Visa exchange rate. Use your Mastercard credit card The amount will be first converted into US Dollars, and then to AUD using the Mastercard exchange rate. Make a transaction that’s rejected (e.g. a telegraphic transferan International Transfer) The real time exchange rate HSBC Real Time Exchange Rate that applies when we process the payment back to your account. Receive a foreign currency electronic payment and don’t have an account in that foreign currency The real time exchange rate that applies when we process the payment into your account. If you do the following: The HSBC exchange rate you will get is: Receive a foreign currency electronic payment and don’t have an account in that foreign currency or payment is to credit into an AUD account. Where you instruct us to make a payment at a future date or where you pay a third party after currency cut-off otf times The HSBC daily rateReal Time Exchange Rate that applies when we process the payment into your account. The HSBC Daily Exchange Rate at the time we process the payment. Deposit or write a foreign currency cheque/cheque/ draft into an account of a different ditferent currency The HSBC daily rateDaily Exchange Rate, if the foreign currency cheque/draft amount is equivalent to $50,000 AUD50,000 or less. The real time exchange rateHSBC Real Time Exchange Rate, if the foreign currency cheque/draft is equivalent to more than $50,000AUD50,000. Where you use Deposit Australian dollar cheques into a foreign currency for anything else other than what’s mentioned above account The HSBC daily rateDaily Exchange Rate at the time when the money is available to be credited to your account. If your cheque is dishonoured, we’ll calculate the amount using the current HSBC Daily Exchange Rate or the HSBC Daily Exchange Rate that was applied at the time your account was credited, whichever is lower. Clause 54 of this booklet contains further information about this. Set up a periodical payment that involves a foreign currency conversion The HSBC Daily Exchange Rate at the time we process the payment on the periodical payment date.