Change in Premium ocation / Transfer of Investment Choices Your risk tolerance level and the risk rating of the product/fund (investment choice) are i

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1 PICS 2014Jun Policy Number* * epolicy servicing You can now make online submission via HSBC Personal Internet Banking for transfer of funds (investment choices), change in premium allocation, policy value withdrawal and change of payment, giving you the convenience of 24/7 access for shorter turnaround time. Please visit for more details applicable to some plans only. WealthInvest Insurance Plan/WealthInvest Life Plan # Application for Investment Choice Arrangement # Plan Type Name of Policyholder in English (Surname first) ID Type & No. Identity Type HKID (I) Others (X) Identity No. HSBCULC Passport (P) Business Registration Certificate (B) NOTE 1. * Please mark X in the appropriate boxes to indicate the policy number. X 2. Please put a in the appropriate box(es) and complete in BLOCK LETTERS. 3. For WealthInvest Insurance Plan, the premium allocation will take effect on a transaction date as soon as practicable following the day on which we receive such request; for the transfer request, the withdrawal from each Investment Choice will be effected on a Transaction Date as soon as practicable after the request approved by us. After the withdrawal is completed, the proceeds will be allocated to the Investment Choice(s) to which the transfer is being made on a Transaction Date as soon as practicable. 4. For WealthInvest Life Plan, the withdrawal from each Investment Choice will be effected on a Transaction Date as soon as practicable after the transfer request approved by us. After the withdrawal is completed, the proceeds will be allocated to the Investment Choice(s) to which the transfer is being made on a Transaction Date as soon as practicable. 5. Please note references to fund in this form is equivalent to Investment Choice under WealthInvest Insurance Plan/WealthInvest Life Plan. 6. If the premium payments are paid in currencies other than the policy currency(ies), the premium payments would be subject to change according to the prevailing exchange rate of policy currency(ies) to payment currency(ies) to be determined by the Company from time to time; likewise any payments settled in currencies other than the policy currency(ies) would be subject to change according to the prevailing exchange rate of policy currency(ies) to payment currency(ies) to be determined by the Company from time to time. The fluctuation in exchange rates may have impact on the amount of payments including but not limited to premium payments and benefit payments. By choosing the plans denominated in currencies other than local currency, you are subject to exchange rate risks. Exchange rate fluctuates from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of the exchange rate fluctuations. 7. The Bank has explained the product features to me including potential liquidity, time horizon, any currency implications, fees & charges and ongoing charges related to the product(s) where applicable., Change in Premium ocation / Transfer of Investment Choices WealthInvest Insurance Plan P. 2: Change in Premium ocation P. 5: Transfer of Investment Choices WealthInvest Life Plan # # P. 9: Transfer of Investment Choices # Not applicable to Corporate customer Incorporated in Bermuda with limited liability Hong Kong SAR Office 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong Page 1/18

2 Change in Premium ocation / Transfer of Investment Choices Your risk tolerance level and the risk rating of the product/fund (investment choice) are important information to help you assess whether the product/fund (investment choice) is suitable for you. Please ensure that your risk profiling questionnaire was completed within the past 12 months and that the risk rating of the product/fund (investment choice) you intend to subscribe is at or below your risk tolerance level. A product/fund (investment choice) with risk level higher than your risk tolerance level may not be suitable for you. If you have any doubts about the suitability of the product/fund (investment choice), please contact us to obtain further information about the product/fund (investment choice) before subscribing. ) 12 For WealthInvest Insurance Plan The two instructions below may be processed simultaneously or individually. Please differentiate between the two and complete the instructions accordingly. (a) Change of Premium ocation Change in premium allocation is re-allocation of future premium received in terms of percentages; a maximum of 14 Investment Choices can be selected in each policy. Currency of Investment Choices must be the same as Policy Currency. 14 future premiums will be allocated according to percentages indicated. The total must be Investment Choices denominated in USD currency **Risk Rating Equity Greater China W04U W09U W24U W55U W74U W92U HSBC GIF Chinese Equity (USD) ianz Hong Kong Equity (USD)** ** Fidelity Funds China Focus Fund (USD) BlackRock Global Funds China Fund (USD) Templeton China Fund (USD) Schroder ISF Hong Kong Equity (USD) Equity Asia Pacific W02U HSBC GIF Asia ex Japan Equity (USD) W11U ianz Total Return Asian Equity (USD) # # W23U W26U W33U W61U W68U W96U Fidelity Funds Asian Special Situations Fund (USD) Fidelity Funds Asia Focus Fund (USD) Templeton Asian Growth Fund (USD) BlackRock Global Funds Asia Pacific Equity Income Fund (USD) HSBC GIF Asia Pacific ex Japan Equity High Dividend (USD) JPM Funds Asia Pacific Income Fund (USD) JPM Equity Emerging Markets W06U W16U W25U W34U HSBC GIF Global Emerging Markets Equity (USD) BlackRock Global Funds Latin American Fund (USD) Fidelity Funds Emerging Markets Fund (USD) Templeton Emerging Markets Fund (USD) W41U Schroder ISF BRIC (Brazil, Russia, India, China) (USD) W45U HSBC GIF BRIC Equity (USD)* * W69U HSBC GIF Latin American Equity (USD) Equity Europe W14U W62U BlackRock Global Funds European Fund (USD) BlackRock Global Funds European Special Situations Fund (USD)^ ^ Equity Global W76U HSBC GIF China Consumer Opportunities (USD) Equity North America W30U W32U Franklin U.S. Equity Fund (USD) Franklin U.S. Opportunities Fund (USD) Equity Sector W05U W20U W21U W22U W63U HSBC GIF Global Equity Climate Change (USD)ºº ºº BlackRock Global Funds World Energy Fund (USD) BlackRock Global Funds World Gold Fund (USD) BlackRock Global Funds World Mining Fund (USD) BlackRock Global Funds World Agriculture Fund (USD) Equity Single Country W44U W47U W65U W70U HSBC GIF Brazil Equity (USD) HSBC GIF Indian Equity (USD) Franklin India Fund (USD) HSBC GIF Russia Equity (USD) Page 2/18

3 Change in Premium ocation / Transfer of Investment Choices (cont'd) Investment Choices denominated in USD currency **Risk Rating Asset ocation Balanced W10U ianz Oriental Income (USD) ## ## W15U BlackRock Global Funds Global ocation Fund (USD) W28U Franklin Income Fund (USD) W56U Invesco Asia Balanced Fund (USD) Fixed Income Asia W01U HSBC Asian Bond Fund (USD) W54U BlackRock Global Funds Asian Tiger Bond Fund (USD) W73U Templeton Asian Bond Fund (USD) Fixed Income Emerging Markets W17U BlackRock Global Funds Emerging Markets Local Currency Bond Fund (USD) W59U Templeton Emerging Markets Bond Fund (USD) W81U HSBC GIF Global Emerging Markets Bond (USD) Fixed Income Global W36U Templeton Global Bond Fund (USD) W38U Templeton Global Total Return Fund (USD) W72U PIMCO Global Bond Fund (USD) PIMCO W79U AB FCP I Global Bond Portfolio (USD) ~ AB FCP I ~ W84U BlackRock Global Government Bond Fund (USD) W85U BlackRock World Bond Fund (USD) W86U Schroder ISF Global Corporate Bond (USD) W87U Schroder ISF Strategic Bond (USD) Fixed Income North America W12U PIMCO Total Return Bond Fund (USD) PIMCO W53U AB FCP I American Income Portfolio (USD) ~~ AB FCP I ~~ W89U Schroder ISF US Dollar Bond (USD) Money Markets W07U HSBC Global Money Funds US Dollar (USD) High Yield Bonds W27U Fidelity Funds US High Yield Fund (USD) W46U HSBC GIF Global High Income Bond (USD) W57U Invesco Global High Income Fund (USD) + + W60U AB FCP I Global High Yield Portfolio (USD) AB FCP I W67U HSBC Asian High Yield Bond Fund (USD) Total 100 * The Chinese name of this fund was formerly known as # The name of this fund was formerly known as ianz RCM Total Return Asian Equity. ** The name of this fund was formerly known as ianz RCM Hong Kong. ºº The name of this fund was formerly known as HSBC GIF Climate Change. ## The name of this fund was formerly known as ianz RCM Oriental Income. ++ The name of this fund was formerly known as Blackrock Global Funds Local Emerging Markets Short Duration Bond Fund. ^ The name of this fund was formerly known as BlackRock Global Funds European Growth Fund. + Effective from 7 August 2015, the Chinese name of Invesco Global High Income Fund (USD) has been renamed while its English name remains unchanged ~ Effective from 5 February 2016, iancebernstein Global Bond Portfolio (USD) has been renamed as AB FCP I Global Bond Portfolio (USD) AB FCP I ~~ Effective from 5 February 2016, iance Bernstein American Income Portfolio (USD) has been renamed as AB FCP I American Income Portfolio (USD) AB FCP I Effective from 5 February 2016, iancebernstein Global High Yield Portfolio (USD) has been renamed as AB FCP I Global High Yield Portfolio (USD) AB FCP I Investment Choices denominated in HKD currency **Risk Rating Equity Greater China W04H W09H W24H W55H HSBC GIF Chinese Equity (HKD) ianz Hong Kong Equity (HKD)** ** Fidelity Funds China Focus Fund (HKD) BlackRock Global Funds China Fund (HKD) W74H Templeton China Fund (HKD) W92H Schroder ISF Hong Kong Equity (HKD) Equity Asia Pacific W11H ianz Total Return Asian Equity (HKD) # # W33H Templeton Asian Growth Fund (HKD) W61H BlackRock Global Funds Asia Pacific Equity Income Fund (HKD) W68H HSBC GIF Asia Pacific ex Japan Equity High Dividend (HKD) W96H JPM Funds Asia Pacific Income Fund (HKD) JPM Page 3/18

4 Change in Premium ocation / Transfer of Investment Choices (cont'd) Investment Choices denominated in HKD currency **Risk Rating Equity Emerging Markets W16H BlackRock Global Funds Latin American Fund (HKD) W34H Templeton Emerging Markets Fund (HKD) W41H Schroder ISF BRIC (Brazil, Russia, India, China) (HKD) W45H HSBC GIF BRIC Equity (HKD) W69H HSBC GIF Latin American Equity (HKD) Equity Europe W14H BlackRock Global Funds European Fund (HKD) Equity Global W76H HSBC GIF China Consumer Opportunities (HKD) Equity North America W30H Franklin U.S. Equity Fund (HKD) W32H Franklin U.S. Opportunities Fund (HKD) Equity Sector W20H BlackRock Global Funds World Energy Fund (HKD) W21H BlackRock Global Funds World Gold Fund (HKD) W22H BlackRock Global Funds World Mining Fund (HKD) W63H BlackRock Global Funds World Agriculture Fund (HKD) Equity Single Country W44H HSBC GIF Brazil Equity (HKD) W47H HSBC GIF Indian Equity (HKD) W65H Franklin India Fund (HKD) W70H HSBC GIF Russia Equity (HKD) Asset ocation Balanced W15H BlackRock Global Funds Global ocation Fund (HKD) W56H Invesco Asia Balanced Fund (HKD) Fixed Income Asia W01H HSBC Asian Bond Fund (HKD) W54H BlackRock Global Funds Asian Tiger Bond Fund (HKD) Fixed Income Emerging Markets W17H BlackRock Global Funds Emerging Markets Local Currency Bond Fund (HKD)* * W59H Templeton Emerging Markets Bond Fund (HKD) W81H HSBC GIF Global Emerging Markets Bond (HKD) Fixed Income Global W36H Templeton Global Bond Fund (HKD) W38H Templeton Global Total Return Fund (HKD) W79H AB FCP I Global Bond Portfolio (HKD) ~ AB FCP I ~ Fixed Income North America W53H AB FCP I American Income Portfolio (HKD) ~~ AB FCP I ~~ Money Markets W07H HSBC Global Money Funds Hong Kong Dollar (HKD) High Yield Bonds W27H Fidelity Funds US High Yield Fund (HKD) W46H HSBC GIF Global High Income Bond (HKD) W57H Invesco Global High Income Fund (HKD) + + W60H AB FCP I Global High Yield Portfolio (HKD) AB FCP I W67H HSBC Asian High Yield Bond Fund (HKD) Total 100 * The name of this fund was formerly known as Blackrock Global Funds Local Emerging Markets Short Duration Bond Fund. # The Chinese name of this fund was formerly known as ** The Chinese name of this fund was formerly known as + Effective from 7 August 2015, the Chinese name of Invesco Global High Income Fund (HKD) has been renamed while its English name remains unchanged ~ Effective from 5 February 2016, iancebernstein Global Bond Portfolio (HKD) has been renamed as AB FCP I Global Bond Portfolio (HKD) AB FCP I ~~ Effective from 5 February 2016, iancebernstein American Income Portfolio (HKD) has been renamed as AB FCP I American Income Portfolio (HKD) AB FCP I Effective from 5 February 2016, iancebernstein Global High Yield Portfolio (HKD) has been renamed as AB FCP I Global High Yield Portfolio (HKD) AB FCP I Page 4/18

5 Change in Premium ocation / Transfer of Investment Choices (cont'd) (b) Transfer of Investment Choice Transfer of Investment Choice is transfer of existing Investment Choice balance from individual Investment Choice to another in terms of percentage or units, and the source Investment Choice(s) is/are to be transferred to the target Investment Choice(s) on lump sum basis. If no specific Investment Choice balance (in percentage or unit) is marked for the source/target Investment Choice(s), it is presumed that the 100 of the Investment Choice(s) concern(s). Currency of Investment Choices must be the same as Policy Currency. 100 Minimum amount for Investment Choice switch from individual Investment Choice is USD50 / HKD400. While if the balance in that Investment Choice is below the minimum amount, the request will be treated as a transfer of all of the balance in the Investment Choice to another Investment Choice Please take into account any instructions in process when submitting new instructions for transfer of Investment Choices. Any new instructions submitted will be processed on the next transaction date after the dealing of the former one is completed. Transfer from existing fund balances Transfer to the following funds Investment Choices denominated in USD currency No. of Units **Risk Rating Equity Greater China W04U HSBC GIF Chinese Equity (USD) W09U ianz Hong Kong Equity (USD)** ** W24U Fidelity Funds China Focus Fund (USD) W42U Schroder ISF China Opportunitiesº º W55U BlackRock Global Funds China Funds (USD) W74U Templeton China Fund (USD) W92U Schroder ISF Hong Kong Equity (USD) Equity Asia Pacific W02U HSBC GIF Asia ex Japan Equity (USD) W11U ianz Total Return Asian Equity (USD) # # W18U BlackRock Global Funds Pacific Equity Fundº º W23U Fidelity Funds Asian Special Situations Fund (USD) W26U Fidelity Funds Asia Focus Fund (USD) W33U Templeton Asian Growth Fund (USD) W58U Schroder ISF Emerging Asia (USD) W61U W68U BlackRock Global Funds Asia Pacific Equity Income Fund (USD) HSBC GIF Asia Pacific ex Japan Equity High Dividend (USD) W96U JPM Funds Asia Pacific Income Fund (USD) JPM Equity Emerging Markets W06U W16U HSBC GIF Global Emerging Markets Equity (USD) BlackRock Global Funds Latin American Fund (USD) W25U Fidelity Funds Emerging Markets Fund (USD) W34U Templeton Emerging Markets Fund (USD) W41U W43U Schroder ISF BRIC (Brazil, Russia, India, China) (USD) Schroder ISF Global Emerging Market Opportunities (USD) W45U HSBC GIF BRIC Equity (USD)* * W69U HSBC GIF Latin American Equity (USD) Equity Europe W13U BlackRock Global Funds Euro-Markets Fundº º W14U BlackRock Global Funds European Fund (USD) W29U Franklin Mutual European Fundº º W62U BlackRock Global Funds European Special Situations Fund (USD)^ ^ Equity Global W37U Templeton Global Fund (USD) W66U W76U Franklin Global Growth and Value Fund (USD) HSBC GIF China Consumer Opportunities (USD) Page 5/18

6 Change in Premium ocation / Transfer of Investment Choices (cont'd) Transfer from existing fund balances Transfer to the following funds Investment Choices denominated in USD currency No. of Units **Risk Rating Equity North America W19U BlackRock Global Funds US Flexible Equity Fundº º W30U Franklin U.S. Equity Fund (USD) W32U Franklin U.S. Opportunities Fund (USD) Equity Sector W05U W20U W21U W22U W39U W63U HSBC GIF Global Equity Climate Change (USD)ºº ºº BlackRock Global Funds World Energy Fund (USD) BlackRock Global Funds World Gold Fund (USD) BlackRock Global Funds World Mining Fund (USD) Schroder Alternative Solutions Commodity Fund BlackRock Global Funds World Agriculture Fund (USD) Equity Single Country W44U HSBC GIF Brazil Equity (USD) W47U HSBC GIF Indian Equity (USD) W64U Fidelity Funds Thailand Fund (USD) W65U Franklin India Fund (USD) W70U HSBC GIF Russia Equity (USD) W71U Invesco Korean Equity Fund (USD) Asset ocation Balanced W10U ianz Oriental Income (USD) ## ## W15U BlackRock Global Funds Global ocation Fund (USD) W28U Franklin Income Fund (USD) W35U Templeton Global Balanced Fundº º W56U Invesco Asia Balanced Fund (USD) Fixed Income Asia W01U HSBC Asian Bond Fund (USD) W40U Schroder ISF Asian Bond Absolute Return + º + º W54U BlackRock Global Funds Asian Tiger Bond Fund (USD) W73U Templeton Asian Bond Fund (USD) Fixed Income Emerging Markets W17U BlackRock Global Funds Emerging Markets Local Currency Bond Fund (USD) W59U Templeton Emerging Markets Bond Fund (USD) W81U HSBC GIF Global Emerging Markets Bond (USD) Fixed Income Global W36U Templeton Global Bond Fund (USD) W38U Templeton Global Total Return Fund (USD) W72U PIMCO Global Bond Fund (USD) PIMCO W79U AB FCP I Global Bond Portfolio (USD) ~ AB FCP I ~ W84U BlackRock Global Government Bond Fund (USD) W85U BlackRock World Bond Fund (USD) W86U Schroder ISF Global Corporate Bond (USD) W87U Schroder ISF Strategic Bond (USD) Page 6/18

7 Change in Premium ocation / Transfer of Investment Choices (cont'd) Investment Choices denominated in USD currency Fixed Income North America W12U PIMCO Total Return Bond Fund (USD) PIMCO W31U Franklin U.S. Government Fundº º W53U AB FCP I American Income Portfolio (USD) ~~ AB FCP I ~~ W88U Fidelity Funds US Dollar Bond Fund (USD) W89U Schroder ISF US Dollar Bond (USD) Money Markets W07U HSBC Global Money Funds US Dollar (USD) High Yield Bonds W27U Fidelity Funds US High Yield Fund (USD) W46U HSBC GIF Global High Income Bond (USD) W57U Invesco Global High Income Fund (USD)^^ ^^ W60U AB FCP I Global High Yield Portfolio (USD) AB FCP I W67U HSBC Asian High Yield Bond Fund (USD) Transfer from existing fund balances No. of Units Transfer to the following funds **Risk Rating Total 100 * The Chinese name of this fund was formerly known as # The name of this fund was formerly known as ianz RCM Total Return Asian Equiry. ** The name of this fund was formerly known as ianz RCM Hong Kong. This Investment Choice is no longer open to switching-in with effect from 27 March º This Investment Choice is no longer open to switching-in with effect from 23 September This Investment Choice is no longer open to switching-in with effect from 20 January The English name of this fund was formerly known as Schroder ISF Asian Bond. ## ++ The name of this fund was formerly known as ianz RCM Oriental Income. The name of this fund was formerly known as Blackrock Global Funds Local Emerging Markets Short Duration Bond Fund. ºº The name of this fund was formerly known as HSBC GIF Climate Change. ^ The name of this fund was formerly known as BlackRock Global Funds European Growth Fund. ^^ ~ ~~ The name of this fund was formerly known as Franklin Templeton Global Growth and Value Fund. Effective from 7 August 2015, the Chinese name of Invesco Global High Income Fund (USD) has been renamed while its English name remains unchanged Effective from 5 February 2016, iancebernstein Global Bond Portfolio (USD) has been renamed as AB FCP I Global Bond Portfolio (USD) AB FCP I Effective from 5 February 2016, iancebernstein American Income Portfolio (USD) has been renamed as AB FCP I American Income Portfolio (USD) AB FCP I Effective from 5 February 2016, iancebernstein Global High Yield Portfolio (USD) has been renamed as AB FCP I Global High Yield Portfolio (USD) AB FCP I Investment Choices denominated in HKD currency Equity Greater China W04H HSBC GIF Chinese Equity (HKD) W09H ianz Hong Kong Equity (HKD)** ** W24H Fidelity Funds China Focus Fund (HKD) W55H BlackRock Global Funds China Fund (HKD) W74H Templeton China Fund (HKD) W92H Schroder ISF Hong Kong Equity (HKD) Equity Asia Pacific W11H ianz Total Return Asian Equity (HKD) # # W33H Templeton Asian Growth Fund (HKD) W58H Schroder ISF Emerging Asia (HKD) W61H W68H BlackRock Global Funds Asia Pacific Equity Income Fund (HKD) HSBC GIF Asia Pacific ex Japan Equity High Dividend (HKD) W96H JPM Funds Asia Pacific Income Fund (HKD) JPM Equity Emerging Markets W16H BlackRock Global Funds Latin American Fund (HKD) W34H Templeton Emerging Markets Fund (HKD) W41H W43H Schroder ISF BRIC (Brazil, Russia, India, China) (HKD) Schroder ISF Global Emerging Market Opportunities (HKD) W45H HSBC GIF BRIC Equity (HKD) W69H HSBC GIF Latin American Equity (HKD) Equity Europe W14H BlackRock Global Funds European Fund (HKD) Transfer from existing fund balances No. of Units Transfer to the following funds **Risk Rating Page 7/18

8 Change in Premium ocation / Transfer of Investment Choices (cont'd) Investment Choices denominated in HKD currency Equity Global W37H Templeton Global Fund (HKD) W76H HSBC GIF China Consumer Opportunities (HKD) Equity North America W30H Franklin U.S. Equity Fund (HKD) W32H Franklin U.S. Opportunities Fund (HKD) Equity Sector W20H W21H W22H W63H BlackRock Global Funds World Energy Fund (HKD) BlackRock Global Funds World Gold Fund (HKD) BlackRock Global Funds World Mining Fund (HKD) BlackRock Global Funds World Agriculture Fund (HKD) Equity Single Country W44H HSBC GIF Brazil Equity (HKD) W47H HSBC GIF Indian Equity (HKD) W65H Franklin India Fund (HKD) W70H HSBC GIF Russia Equity (HKD) W71H Invesco Korean Equity Fund (HKD) Asset ocation Balanced W15H BlackRock Global Funds Global ocation Fund (HKD) W56H Invesco Asia Balanced Fund (HKD) Fixed Income Asia W01H HSBC Asian Bond Fund (HKD) W54H BlackRock Global Funds Asian Tiger Bond Fund (HKD) W83H Schroder ISF Hong Kong Dollar Bond (HKD) Fixed Income Emerging Markets W17H BlackRock Global Funds Emerging Markets Local Currency Bond Fund (HKD)* * W59H Templeton Emerging Markets Bond Fund (HKD) W81H HSBC GIF Global Emerging Markets Bond (HKD) Fixed Income Global W36H Templeton Global Bond Fund (HKD) W38H Templeton Global Total Return Fund (HKD) W79H AB FCP I Global Bond Portfolio (HKD) ~ AB FCP I ~ Fixed Income North America W53H AB FCP I American Income Portfolio (HKD) ~~ AB FCP I ~~ Money Markets HSBC Global Money Funds Hong Kong Dollar (HKD) W07H High Yield Bonds Fidelity Funds US High Yield Fund (HKD) W27H W46H W57H HSBC GIF Global High Income Bond (HKD) Invesco Global High Income Fund (HKD)^^ ^^ W60H AB FCP I Global High Yield Portfolio (HKD) AB FCP I W67H HSBC Asian High Yield Bond Fund (HKD) Transfer from existing fund balances No. of Units Transfer to the following funds **Risk Rating Total 100 This Investment Choice is no longer open to switching-in with effect from 20 January * The name of this fund was formerly known as Blackrock Global Funds Local Emerging Markets Short Duration Bond Fund. # The Chinese name of this fund was formerly known as ** The Chinese name of this fund was formerly known as ^^ Effective from 7 August 2015, the Chinese name of Invesco Global High Income Fund (HKD) has been renamed while its English name remains unchanged ~ Effective from 5 February 2016, iancebernstein Global Bond Portfolio (HKD) has been renamed as AB FCP I Global Bond Portfolio (HKD) AB FCP I ~~ Effective from 5 February 2016, iancebernstein American Income Portfolio (HKD) has been renamed as AB FCP I American Income Portfolio (HKD) AB FCP I Effective from 5 February 2016, iancebernstein Global High Yield Portfolio (HKD) has been renamed as AB FCP I Global High Yield Portfolio (HKD) AB FCP I Page 8/18

9 Transfer of Investment Choices (cont'd) For WealthInvest Life Plan (Not applicable to Corporate customer ) Transfer of Investment Choice is transfer of existing Investment Choice balance from individual Investment Choice to another in terms of percentage or units, and the source Investment Choice(s) is/are to be transferred to the target Investment Choice(s) on lump sum basis. If no specific Investment Choice balance (in percentage or unit) is marked for the source/target Investment Choice(s), it is presumed that the 100 of the Investment Choice(s) concern(s). 100 Minimum amount for Investment Choice switch from individual Investment Choice is HKD400/USD50. While if the balance in that Investment Choice is below the minimum amount, the request will be treated as a transfer of all of the balance in the Investment Choice to another Investment Choice Please take into account any instructions in process when submitting new instructions for transfer of Investment Choices. Any new instructions submitted will be processed on the next transaction date after the dealing of the former one is completed. Transfer from existing fund balances Transfer to the following funds Investment Choices denominated in USD currency No. of Units **Risk Rating Equity Greater China Y04U HSBC GIF Chinese Equity (USD) Y09U ianz Hong Kong Equity (USD)** ** Y24U Fidelity Funds China Focus Fund (USD) Y55U BlackRock Global Funds China Funds (USD) Y74U Templeton China Fund (USD) Y92U Schroder ISF Hong Kong Equity (USD) Equity Asia Pacific Y02U HSBC GIF Asia ex Japan Equity (USD) Y11U ianz Total Return Asian Equity (USD) # # Y23U Fidelity Funds Asian Special Situations Fund (USD) Y26U Fidelity Funds Asia Focus Fund (USD) Y33U Templeton Asian Growth Fund (USD) Y58U Schroder ISF Emerging Asia (USD) Y61U Y68U BlackRock Global Funds Asia Pacific Equity Income Fund (USD) HSBC GIF Asia Pacific ex Japan Equity High Dividend (USD) Y96U JPM Funds Asia Pacific Income Fund (USD) JPM Equity Emerging Markets Y06U Y16U HSBC GIF Global Emerging Markets Equity (USD) BlackRock Global Funds Latin American Fund (USD) Y25U Fidelity Funds Emerging Markets Fund (USD) Y34U Templeton Emerging Markets Fund (USD) Y41U Y43U Schroder ISF BRIC (Brazil, Russia, India, China) (USD) Schroder ISF Global Emerging Market Opportunities (USD) Y45U HSBC GIF BRIC Equity (USD) Y69U HSBC GIF Latin American Equity (USD) Equity Europe Y14U BlackRock Global Funds European Fund (USD) Y62U BlackRock Global Funds European Special Situations Fund (USD)^ ^ Equity Global Y37U Templeton Global Fund (USD) Y66U Y76U Franklin Global Growth and Value Fund (USD) HSBC GIF China Consumer Opportunities (USD) Equity North America Y30U Franklin U.S. Equity Fund (USD) Y32U Franklin U.S. Opportunities Fund (USD) Page 9/18

10 Transfer of Investment Choices (cont'd) Transfer from existing fund balances Transfer to the following funds No. of Units **Risk Rating Investment Choices denominated in USD currency Equity Sector Y05U HSBC GIF Global Equity Climate Change (USD)ºº ºº Y20U BlackRock Global Funds World Energy Fund (USD) Y21U BlackRock Global Funds World Gold Fund (USD) Y22U BlackRock Global Funds World Mining Fund (USD) Y63U BlackRock Global Funds World Agriculture Fund (USD) Equity Single Country Y44U HSBC GIF Brazil Equity (USD) Y47U HSBC GIF Indian Equity (USD) Y64U Fidelity Funds Thailand Fund (USD) Y65U Franklin India Fund (USD) Y70U HSBC GIF Russia Equity (USD) Y71U Invesco Korean Equity Fund (USD) Asset ocation Balanced Y10U ianz Oriental Income (USD) ## ## Y15U BlackRock Global Funds Global ocation Fund (USD) Y28U Franklin Income Fund (USD) Y56U Invesco Asia Balanced Fund (USD) Fixed Income Asia Y01U HSBC Asian Bond Fund (USD) Y54U BlackRock Global Funds Asian Tiger Bond Fund (USD) Y73U Templeton Asian Bond Fund (USD) Fixed Income Emerging Markets Y17U BlackRock Global Funds Emerging Markets Local Currency Bond Fund (USD)* * Y59U Templeton Emerging Markets Bond Fund (USD) Y81U HSBC GIF Global Emerging Markets Bond (USD) Fixed Income Global Y36U Templeton Global Bond Fund (USD) Y38U Templeton Global Total Return Fund (USD) Y72U PIMCO Global Bond Fund (USD) PIMCO Y79U AB FCP I Global Bond Portfolio (USD) ~ AB FCP I ~ Y84U BlackRock Global Government Bond Fund (USD) Y85U BlackRock World Bond Fund (USD) Y86U Schroder ISF Global Corporate Bond (USD) Y87U Schroder ISF Strategic Bond (USD) Fixed Income North America Y12U PIMCO Total Return Bond Fund (USD) PIMCO Y53U AB FCP I American Income Portfolio (USD) ~~ AB FCP I ~~ Y88U Fidelity Funds US Dollar Bond Fund (USD) Y89U Schroder ISF US Dollar Bond (USD) Money Markets Y07U HSBC Global Money Funds US Dollar (USD) High Yield Bonds Y27U Fidelity Funds US High Yield Fund (USD) Y46U HSBC GIF Global High Income Bond (USD) Y57U Invesco Global High Income Fund (USD)^^ ^^ Y60U AB FCP I Global High Yield Portfolio (USD) AB FCP I Y67U HSBC Asian High Yield Bond Fund (USD) Total 100 This Investment Choice is no longer open to switching-in with effect from 20 January * The name of this fund was formerly known as Blackrock Global Funds Local Emerging Markets Short Duration Bond Fund. ºº The name of this fund was formerly known as HSBC GIF Climate Change. The name of this fund was formerly known as BlackRock Global Funds European Growth Fund. ^ The name of this fund was formerly known as Franklin Templeton Global Growth and Value Fund. # The Chinese name of this fund was formerly known as. ** The Chinese name of this fund was formerly known as. ## The Chinese name of this fund was formerly known as. ^^ Effective from 7 August 2015, the Chinese name of Invesco Global High Income Fund (USD) has been renamed while its English name remains unchanged ~ Effective from 5 February 2016, iancebernstein Global Bond Portfolio (USD) has been renamed as AB FCP I Global Bond Portfolio (USD) AB FCP I ~~ Effective from 5 February 2016, iancebernstein American Income Portfolio (USD) has been renamed as AB FCP I American Income Portfolio (USD) AB FCP I Effective from 5 February 2016, iancebernstein Global High Yield Portfolio (USD) has been renamed as AB FCP I Global High Yield Portfolio (USD) AB FCP I Page 10/18

11 Transfer of Investment Choices (cont'd) Transfer from existing fund balances Transfer to the following funds Investment Choices denominated in HKD currency No. of Units **Risk Rating Equity Greater China Y04H HSBC GIF Chinese Equity (HKD) Y09H ianz Hong Kong Equity (HKD)** ** Y24H Fidelity Funds China Focus Fund (HKD) Y55H BlackRock Global Funds China Fund (HKD) Y74H Templeton China Fund (HKD) Y92H Schroder ISF Hong Kong Equity (HKD) Equity Asia Pacific Y11H ianz Total Return Asian Equity (HKD) # ( ) # Y33H Templeton Asian Growth Fund (HKD) Y58H Schroder ISF Emerging Asia (HKD) Y61H Y68H BlackRock Global Funds Asia Pacific Equity Income Fund (HKD) HSBC GIF Asia Pacific ex Japan Equity High Dividend (HKD) Y96H JPM Funds Asia Pacific Income Fund (HKD) JPM Equity Emerging Markets Y16H BlackRock Global Funds Latin American Fund (HKD) Y34H Templeton Emerging Markets Fund (HKD) Y41H Y43H Schroder ISF BRIC (Brazil, Russia, India, China) (HKD) Schroder ISF Global Emerging Market Opportunities (HKD) Y45H HSBC GIF BRIC Equity (HKD) Y69H HSBC GIF Latin American Equity (HKD) Equity Europe Y14H BlackRock Global Funds European Fund (HKD) Equity Global Y37H Templeton Global Fund (HKD) Y76H HSBC GIF China Consumer Opportunities (HKD) Equity North America Y30H Franklin U.S. Equity Fund (HKD) Y32H Franklin U.S. Opportunities Fund (HKD) Equity Sector Y20H BlackRock Global Funds World Energy Fund (HKD) Y21H BlackRock Global Funds World Gold Fund (HKD) Y22H BlackRock Global Funds World Mining Fund (HKD) Y63H BlackRock Global Funds World Agriculture Fund (HKD) Equity Single Country Y44H HSBC GIF Brazil Equity (HKD) Y47H HSBC GIF Indian Equity (HKD) Y65H Franklin India Fund (HKD) Y70H HSBC GIF Russia Equity (HKD) Y71H Invesco Korean Equity Fund (HKD) Asset ocation Balanced Y15H BlackRock Global Funds Global ocation Fund (HKD) Y56H Invesco Asia Balanced Fund (HKD) Page 11/18

12 Transfer of Investment Choices (cont'd) Investment Choices denominated in HKD currency Fixed Income Asia Y01H HSBC Asian Bond Fund (HKD) Y54H BlackRock Global Funds Asian Tiger Bond Fund (HKD) Y83H Schroder ISF Hong Kong Dollar Bond (HKD) Fixed Income Emerging Markets Y17H BlackRock Global Funds Emerging Markets Local Currency Bond Fund (HKD)* * Y59H Templeton Emerging Markets Bond Fund (HKD) Y81H HSBC GIF Global Emerging Markets Bond (HKD) Fixed Income Global Y36H Templeton Global Bond Fund (HKD) Y38H Templeton Global Total Return Fund (HKD) Y79H AB FCP I Global Bond Portfolio (HKD) ~ AB FCP I ~ Fixed Income North America Y53H AB FCP I American Income Portfolio (HKD) ~~ AB FCP I ~~ Transfer from existing fund balances No. of Units Transfer to the following funds **Risk Rating Money Markets Y07H HSBC Global Money Funds Hong Kong Dollar (HKD) High Yield Bonds Y27H Fidelity Funds US High Yield Fund (HKD) Y46H HSBC GIF Global High Income Bond (HKD) Y57H Invesco Global High Income Fund (HKD)^^ ^^ Y60H AB FCP I Global High Yield Portfolio (HKD) AB FCP I Y67H HSBC Asian High Yield Bond Fund (HKD) Total 100 This Investment Choice is no longer open to switching-in with effect from 20 January * The name of this fund was formerly known as Blackrock Global Funds Local Emerging Markets Short Duration Bond Fund. # The Chinese name of this fund was formerly known as ** The Chinese name of this fund was formerly known as ^^ Effective from 7 August 2015, the Chinese name of Invesco Global High Income Fund (HKD) has been renamed while its English name remains unchanged ~ Effective from 5 February 2016, iancebernstein Global Bond Portfolio (HKD) has been renamed as AB FCP I Global Bond Portfolio (HKD) AB FCP I ~~ Effective from 5 February 2016, iancebernstein American Income Portfolio (HKD) has been renamed as AB FCP I American Income Portfolio (HKD) AB FCP I Effective from 5 February 2016, iancebernstein Global High Yield Portfolio (HKD) has been renamed as AB FCP I Global High Yield Portfolio (HKD) AB FCP I ** Risk Rating : 1. Low Risk 2. Low to Medium Risk 3. Medium Risk 4. Medium to High Risk 5. High Risk Minimal chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate minimal price fluctuations over short periods of time. Low chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate moderately low level of price fluctuations over short periods of time. Moderate chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate moderate level of price fluctuations over short periods of time. Moderately high chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate moderately high level of price fluctuations over short periods of time. High chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate high level of price fluctuations over short periods of time. Page 12/18

13 Change in Premium ocation / Transfer of Investment Choices (cont'd) Risk Profiling Questionnaire My risk attitude established under the Risk Profiling Questionnaire (RPQ) Secure Very Cautious Cautious Balanced Adventurous Speculative I confirm that I have completed/read through my Risk Profiling Questionnaire on (DD/MM/YYYY) Product Selection Criteria I confirm that the following Product Selection Criteria is indicated by me in the discussion. i) Risk Attitude I confirm that the risk attitude established under the Risk Profiling Questionnaire is APPROPRIATE and I am happy to apply it to this transaction. I indicate, understand and acknowledge my risk attitude for this transaction is HIGHER than the risk attitude established under the Risk Profiling Questionnaire.* * My risk attitude for this transaction is Very Cautious Cautious Balanced ii) Investment Objective/Goal Education Protection Retirement Wealth Accumulation iii) Investment Period LESS than or equal to 1 year 1 MORE than 1 year and LESS than or equal to 3 years 1 3 MORE than 3 years and LESS than or equal to 5 years 3 5 MORE than 5 years and LESS than 10 years 5 10 MORE than or equal to 10 years 10 Adventurous Speculative * I acknowledge and understand that the arrangement of any transaction by HSBC on my behalf is not in any way a confirmation or an endorsement from HSBC that it is suitable for me. High Asset Concentration / Affordability / Risk Mismatch High Asset Concentration It has been explained to me by branch staff that this plan is not suitable for me due to the following reason(s) but it is still my decision to proceed with the application: My total investment amount in investment-linked insurance policy(ies) (i.e. the cumulative premiums paid under investment-linked insurance policies plus this transaction) is HIGHER than 50 of my total assets (excluding real estate properties). I am reminded to avoid over-exposure to any single investment. 50 I still wish to apply for this plan and consider this plan is suitable for me because: I am a high net worth individual. My overall portfolio is well diversified, including a range of investments and assets, and I have a significant capacity for loss. The investment amount is surplus to my needs. I have no immediate need for the amount and will not be using it to maintain my standard of living or fulfill financial commitments. Others (a specific reason must be given for this field if no other reason above is selected): : Affordability Capacity to make regular contribution to investment I acknowledge and understand that my monthly/annual premium is GREATER than 50 of my monthly/annual disposable income and/or the premium payment term is beyond my retirement age. I have been reminded to consider the affordability of the investment and I still decide to proceed with the investment. I confirm that HSBC has not provided any investment opinion on the transaction. I still wish to apply for this plan and consider the product is suitable for me because: The premium is paid by my assets which are sufficient to settle all the premiums for the plan. The premium is paid by a third party. Others (a specific reason must be given for this field if no other reason above is selected): Page 13/18

14 Change in Premium ocation / Transfer of Investment Choices (cont'd) Risk Mismatch My selected Investment Choice(s) risk level is/are HIGHER than the risk attitude established by completion of the Risk Profiling Questionnaire and the product and/or the selected Investment Choice(s) may not be suitable for me. Suitability Declaration I understand and agree that (tick one only): A. the features and risk level of my selected mix of underlying funds (Investment Choices) are suitable for me based on my risk profile as indicated in the Risk Profiling Questionnaire and Product Selection Criteria. B. despite the fact that the features and/or risk level of my selected mix of underlying funds (Investment Choices) may not be suitable for me based on my risk profile as indicated in the Risk Profiling Questionnaire and Product Selection Criteria, I confirm that it is my intention and desire to proceed with my transaction(s) as explained below. (If Box B is ticked, then please complete explanation in this box)* B * C. despite the fact that I am required to complete the Risk Profiling Questionnaire and Product Selection Criteria to ensure that the underlying fund(s) (Investment Choice(s)) to be purchased are suitable for me, I confirm that it is my intention and desire to proceed with my transaction(s) without complying with the said requirement for the reason(s) below. (If Box C is ticked, then please complete explanation in this box)* C * I acknowledge I should not purchase the selected mix of underlying funds (Investment Choices) unless I understand these and their suitability has been explained to me and that the final decision is mine. * The explanation stated above is provided by me verbally and I understand that the conversation has been audio recorded. (Please confirm the statement by stating Agree and initial Policyholder s signature Companion/Second Frontline Staff Arrangement Date I understand that I am advised to have a companion (a friend or relative) and a second frontline staff to attend this sales meeting. I have companion (a friend or a relative) to attend this meeting to facilitate my better understanding of the advice given to me. Name of Companion Companion Arrangement Relationship I declare that I do not need the companion arrangement due to the reason below: Reason Arrangement of Second Frontline Staff I agree to have a second frontline staff to attend this meeting. Staff Name Title Staff Initial I declare that I do not need this arrangement. Initial of Policyholder Page 14/18

15 Change in Premium ocation / Transfer of Investment Choices (cont'd) Reflection Period I have been advised on [DD/MM/YY] to take at least one business day to reflect before proceeding with the transaction(s) discussed. [ / / ] I decided to take at least one business day to reflect before proceeding with the transaction(s). I decided to take less than one business day to reflect before proceeding with the transaction(s). Reason I decided that I do not need a reflection period before proceeding with the transaction(s). Reason Initial of Policyholder Update Occupation Details for Policyholder If there is no update, please indicate No update below #ID Type & No. # Nationality 1* 1* Nationality 2* (please complete if different from Nationality 1) 2*1 Nationality 3* (please complete if different from Nationality 1 and 2) 3*1 2 Occupation Industry Position * Business Nature (For corporate customer) Main source of income (For both personal and corporate customer) Salary Saving Donation Inheritance Business Income From Business Owner Return on Investment Sales Proceed Fee and Commission Income Others, please state (For corporate customer) Is there any change in directorship, beneficial owner or authorised signatory of the company since the policy was issued? Yes/No, if Yes, please complete the Corporate Authorisation Form * Not applicable to Corporate customer. Please state all your current Nationality(ies) if you have any revision. In addition, nationality proof is required if the change of nationality applied by non-permanent Hong Kong resident. Personal Information Collection Statement Notice relating to the Personal Data (Privacy) Ordinance (the Ordinance ) HSBC Life (International) Limited ( HSBC ) (a) From time to time, it is necessary for individuals to supply HSBC with data in connection with the provision, continuation and administration of insurance contracts or other financial products and services by HSBC or compliance with any laws, guidelines or requests issued by regulatory or other authorities. (b) Failure to supply such data promptly may result in HSBC being unable to provide or continue to provide products and services. (c) It is also the case that data are collected from (i) individuals in the ordinary course of the continuation of the relationship, (ii) a person acting on behalf of the individual whose data are provided, and (iii) other sources available to HSBC. Data may also be generated or combined with other information available to HSBC or any member of the HSBC Group ( HSBC Group means HSBC Holdings plc, its affiliates, subsidiaries, associated entities and any of their branches and offices (together or individually) and member of the HSBC Group has the same meaning). (i)(ii)(iii) (d) The purposes for which data may be used are as follows: (i) considering applications for products and services and offering, providing, maintaining and managing products and services to customers and the operation and administration of the products and services (including without limitation, insurance, provident fund or scheme, credit facilities or other financial products or services) provided to customers which may include, without limitation, underwriting, administration or evaluation of an insurance policy or product; (ii) conducting identity, medical or credit checks; (iii) creating and maintaining the credit and risk related models of HSBC and the HSBC Group; ; (iv) any purposes in connection with any claims made by or against or otherwise involving a customer in respect of any products and/or services provided by HSBC or a member of the HSBC Group including, without limitation, making, defending, analysing, investigating, processing, assessing, determining, responding to, resolving or settling such claims; (v) designing insurance and other financial products and/or services for customers use; (vi) marketing services, products and other subjects as described in paragraph (f) below; (f) (vii) determining the amount of indebtedness owed to or by a customer and collecting amounts outstanding from a customer and those providing security for customers obligations; (viii) meeting obligations, requirements or arrangements, whether compulsory or voluntary, of HSBC or any of its branches or any member of the HSBC Group to comply with, or in connection with: (1) any law, regulation, judgment, court order, voluntary code, sanctions regime, within or outside the Hong Kong Special Administrative Region ( Hong Kong ) existing currently and in the future ( Laws ); (2) any guidelines, guidance or requests given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Hong Kong existing currently or in the future and any international guidance, internal policies or procedures; Page 15/18

16 Personal Information Collection Statement (cont'd) (3) any present or future contractual or other commitment with local or foreign legal, regulatory, judicial, administrative, public or law enforcement body, or governmental, tax, revenue, monetary, securities or futures exchange, court, central bank or other authorities, or self-regulatory or industry bodies or associations of financial service providers or any of their agents with jurisdiction over all or any part of the HSBC Group (together the Authorities and each an Authority ) that is assumed by, imposed on or applicable to HSBC or any of its branches or any member of the HSBC Group; or (4) any agreement or treaty between Authorities; (ix) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the HSBC Group and/or any other use of data and information in accordance with any programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; (x) conducting any action to meet obligations of HSBC or any member of the HSBC Group to comply with Laws or international guidance or regulatory requests relating to or in connection with the detection, investigation and prevention of money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions and/or any acts or attempts to circumvent or violate any Laws relating to these matters; (xi) meeting obligations of HSBC or any member of the HSBC Group to comply with any demand or request from Authorities; (xii) exercising any rights HSBC or a member of the HSBC Group may have in connection with the products or services provided to a customer; (xiii) matching any data held by HSBC or a member of the HSBC Group relating to a data subject from time to time for any of the purposes listed in this paragraph (d); (d) (xiv) enabling an actual or proposed assignee or transferee of HSBC or any member of the HSBC Group, or participant or sub-participant of HSBC s or any member of the HSBC Group companies rights to evaluate and/or undertake due diligence in relation to the transaction intended to be the subject of the assignment, transfer, participation or sub-participation; and (xv) purposes relating thereto. (e) Data held by HSBC or a member of the HSBC Group relating to an individual will be kept confidential but HSBC or a member of the HSBC Group may provide such information to the following parties (whether within or outside Hong Kong) for the purposes set out in paragraph (d): (d) (i) any agents, contractors, sub-contractors, service providers, reinsurers or associates of the HSBC Group (including their employees, directors, officers, agents, contractors, service providers and professional advisers); (ii) any third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to HSBC in connection with the operation of its businesses (including their employees, directors and officers); (iii) any Authorities; (iv) any person under a duty of confidentiality to HSBC including a member of the HSBC Group which has undertaken to keep such information confidential; (v) any person in the context of the sale or transfer by HSBC or any member of the HSBC Group of all or part of its business or portfolio of products, policies or other assets or any proposed or confirmed transaction relating to such a sale or transfer; (vi) credit reference agencies and, in the event of default, any debt collection agencies; (vii) any person to whom HSBC or any of its branches or any member of the HSBC Group is under an obligation or required or expected to make disclosure for the purposes set out in paragraph (d)(viii), (d)(ix), (d)(x) or (d)(xi); (d)(viii) (d)(ix) (d)(x) (d)(xi) (viii) any actual or proposed assignee or transferee of HSBC or any member of the HSBC Group or participant or sub-participant of HSBC s or any member of the HSBC Group s rights in respect of the data subject; (ix) (1) any member of the HSBC Group; (2) third party financial institutions, insurers, credit card companies, securities and investment services providers; (3) third party reward, loyalty, co-branding and privileges programme providers; (4) co-branding partners of HSBC or any member of the HSBC Group (the names of such co-branding partners will be provided during the application process for the relevant products as the case may be); (5) charitable or non-profit making organisations; and (6) external service providers (including but not limited to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, data processing companies and information technology companies) that HSBC engages for the purposes set out in paragraph (d)(vi); (d)(vi) (x) hospitals, clinics, medical practitioners, laboratories, technicians, loss adjustors, risk intelligence providers, legal advisers or private investigators that may be engaged by HSBC or on behalf of HSBC; (xi) any persons acting on behalf of an individual whose data are provided, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks, clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which the customer has an interest in securities (where such securities are held by HSBC) or persons acting on behalf of the customer or the individual whose data is provided for the purposes of receiving benefits under an insurance policy; and (xii) any party to a transaction or potential transaction acquiring interest in, or assuming or bearing risk in, or in connection with an insurance policy including, without limitation, reinsurers. Such information may be transferred to a place outside Hong Kong SAR. (f) Use of Data in Direct Marketing HSBC intends to use personal data in direct marketing and HSBC requires the data subject s consent (which includes an indication of no objection) for that purpose. In this connection, please note that: (i) the name, contact details, products and other service portfolio information, transaction pattern and behaviour, financial background and demographic data of a data subject held by HSBC from time to time may be used by HSBC in direct marketing; (ii) the following classes of services, products and subjects may be marketed: (1) financial, insurance, credit card, pensions, banking and related services and products; (2) reward, loyalty, privilege or co-branding programmes and related services and products; and (3) services and products offered by HSBC s co-branding partners (the names of such co-branding partners will be provided during the application of the relevant services and products, as the case may be); and (4) donations and contributions for charitable and/or non-profit making purposes; Page 16/18