1.

Development process of HSBC in Vietnam:

HSBC is named after its founding member, The Hongkong and Shanghai Banking Corporation,
established in 1865 to facilitate trade between Europe, India, and China, headquartered in
London.
In 1870, HSBC opened its first office in Saigon (now Ho Chi Minh City). HSBC inaugurated its
second branch in Hanoi and established a representative office in Can Tho City in 2005.
On January 1, 2009, HSBC became the first foreign bank to establish a wholly-owned subsidiary
bank in Vietnam.
HSBC Vietnam is the first 100% foreign-owned bank, and HSBC is one of the largest foreign
banks in Vietnam.
With 150 years of experience in the Vietnamese market, HSBC offers a full range of banking
and financial services, including Wealth and Personal Banking Services, International Corporate
Banking and Trade Finance, Foreign Exchange, Capital Markets, Securities Services, Global
Payment Solutions, International Payments, Trade Finance, Foreign Exchange, Capital Markets,
and Securities Services.
2. Main products introduced today:
- Saving deposit products:
+ Attractive fixed deposit interest rates: Interest paid monthly or at maturity.
+ Flexible deposit tenors from 1 week to 36 months11 See footnote 1
+ Higher returns with our tier interest rates with VND Deposit
+ By the relevant regulations provided by the State Bank of Vietnam from time to time.
+ Wide range of currencies: VND, USD, EUR, GBP, AUD, CAD, JPY, SGD and HKD
+ Become an HSBC Premier customer if your Total Relationship Balance is VND 1 billion or
above
+ Step-up Time Deposit account:
- Earn an attractive interest rate on your savings: The interest you earn increases in steps
the longer you have your account.
- Withdraw your money at any time without penalty: We won't take back any interest
you've already been paid
- You can choose the term that suits you: Keep your account for 6, 12 or 24 months, with
interest paid either monthly, quarterly – you decide
 - Low minimum deposit: Open your account with as little as VND 10 million.Credit card:
+ Visa Classic credit card
+ Visa Cash back credit card: This card lets you earn back a percentage of what you spent. The
rebate will be credited to your primary credit card account. You can use it to make purchases or
repay your credit card balance.
Cashback Classic
Annual fee -Primary card: 800,000VND -Primary: 350,000VND
-Supplementary card: 400,000VND -Supplementary card: 250.000VND
Free interest 55 days 45 days
period
A minimum monthly income of 9 A minimum monthly net income through
million VND for salaried earned bank transfer of 8 million VND for
who are Vietnamese and 15 million salaried earned who are Vietnamese/ 15
for foreigners/ 15 million VND for million for foreigners 15 VND million
Vietnamese who are self- for Vietnamese who are
employed/business owners self-employed/business owners.
Who can
apply - Residing in cities, and provinces: Hanoi, Ho Chi Minh City. Dong Nai, Binh
Duong, Long An, Da Nang, Hue, Hoi An, Ba RiaVung Tau, Tay Ninh, Bac
Ninh,Vinh Phuc, Hung Yen, Hai Duong, Hai Phong | Foreigners staying in
Vietnam have residence permission in Vietnam for at least 12 consecutive
months at the time of application
- At least 18 years old.
Offer Get 1st-year Annual Fee waiver for Get VND 800,000 cash back when you
both Primary and Supplementary spend VND 3 million or above, within 60
Cardholders with total value of days from the card's issuance date
VND 1,2 million.
Additional VND 1 million cash
back when you spend VND 5
million or above, within 60 days
from the card's issuance date.
 Rewards - Get up to 8% cash back on - Get 1 Reward Point for every VND
Supermarkets and Grocery Stores. 1,000 spent. Then you can redeem e-
- Get UNLIMITED 1% cash back vouchers, air miles, or cash back with
on Insurance and Education spends. your Reward Points.
- Get UNLIMITED 0.3% cash back - Earn 1 air mile with every 45 Reward
on all other spends. Points
Features - 0% interest installment plan with low conversion fee(transaction amount from
5 million VND)
- 0% interest installment plan without fee (at selected merchants)
- Credit Card Balance Conversion Plan
Benefits Complimentary Global Travel
insurance up to 11.5 billion VND.
Interest rate 30% 31.2%
Cash
Advance 4%
Fee at ATM

Ask and answer questions:

1. As I just heard you say, the customer will Become an HSBC Premier customer if your Total
Relationship Balance is VND 1 billion or above. So when becoming HSBC Premier, will
customers like us receive any special offer?