Integrated Accounts Secured Credit Facility Interest Rate and Loan Ratio Table

Assets held in your Integrated Account^1,2	Loan ratio (Up to)	Interest rate for HSBC Premier	Interest rate for HSBC Advance		Interest rate for SmartVantage
			Previous month's Total Relationship Balance < HK$ 1 Million	Previous month's Total Relationship Balance >=HK$ 1 million	Previous month's Total Relationship Balance < HK$ 1 Million	Previous month's Total Relationship Balance >=HK$ 1 million
Foreign Currency Time or Saving Deposits³	90%	HSBC's Best Lending Rate + 1%	HSBC's Best Lending Rate + 1.5%	HSBC's Best Lending Rate + 1%	HSBC's Best Lending Rate + 1.5%	HSBC's Best Lending Rate + 1%
HKD Time Deposits⁴	100%
Deposit Plus⁴	85%
Structured Investment Deposits⁵	100%
Gold	70%
Bonds and Certificates of Deposit⁶	70%	HSBC's Best Lending Rate + 2%	HSBC's Best Lending Rate + 2.25%	HSBC's Best Lending Rate + 2%	HSBC's Best Lending Rate + 2.25%	HSBC's Best Lending Rate + 2%
Locally quoted shares^6,7	50%
Equity Linked Notes or Equity Linked Investment⁶	50%
Locally quoted Unit Trust^6,8	85%

Note:
1.	Should your credit limit be secured by a combination of assets attracting different interest rates, in calculating interest, the Bank will first apply the lowest of these interest rates until the credit limit corresponding to this particular type of assets has been utilized. Thereafter the next lowest interest rate will be applied, and so on. The security over the assets in your Integrated Account as created under the Integrated Account Terms and Conditions will attach to the assets in accordance with the aforesaid order of priority (i.e. assets attracting the lowest interest rate will be attached first, followed by assets attracting the next lowest interest rate and so on). Further, where there are more than one type of assets in your Integrated Account which attract the same interest rate, the security will attach to the respective types of assets in accordance with the order in which such assets are listed in this table.
2.	The eligibility and relative percentage of the value of the assets listed for inclusion in the calculation of the available credit limit shall be as determined by the Bank from time to time. The Bank may at its discretion add or remove the assets listed from such eligibility, or increase or reduce the eligible percentage of the value thereof without prior notice.
3.	Loan ratio for time or saving deposits in US dollar & Renminbi is up to 90%. For time or saving deposits in other currencies, loan ratio of up to 85% applies.
4.	In the event that the assets subject to the security under your secured credit facility include your Hong Kong dollar time deposits/Deposit Plus (in Hong Kong dollars deposit currency) and the deposit interest rate applicable to such deposits plus 0.5% is higher than the debit interest rate specified above, the higher rate will be applied to your credit limit corresponding to such assets for calculating interest.
5.	Including but without limitation to Capital Protected Investment Deposits
6.	Locally quoted shares, locally quoted unit trusts, equity linked notes or equity linked investment and bonds and certificates of deposit are those deposited with the Bank in your Integrated Account whether or not registered in your name or in the name of any other person (including the Bank) as nominee
7.	Excluding warrants and derivatives
8.	Authorised by the Securities and Futures Commission