1"Cash value" is calculated using the current assumed investment returns. It includes projected guaranteed cash value and projected special bonus which is non-guaranteed. The rate of return as shown above is therefore not guaranteed and is shown for illustration only. In this example, it is assumed that the life insured is a 35-year-old male paying an annual premium of USD40,000 for 3 years - and his return after 30 years. In conclusion, the actual cash value under the policy at a future point in time may be higher or lower than the amount quoted in this example.

2 The Policy Anniversary at which the Policyholder or the Life Insured is of the specified age based on age at next birthday.

3 After the 20th Policy Year, if there is no outstanding policy loan or premiums, you may apply to exercise this option to lock in a portion of the Net Cash Value. The amount you choose to lock in is guaranteed upon exercising the Policy Value Management Option and will be allocated to the Policy Value Management Balance to accumulate at a non-guaranteed interest rate, which will be adjusted from time to time at HSBC Life's discretion. The exercise of the Policy Value Management Option is subject to the minimum amount requirements on (i) the Net Cash Value to be allocated per transaction; and (ii) the Policy Amount after the exercise of this option. Such minimum amount requirements are determined by HSBC Life from time to time without prior notice to Policyholder. Please refer to product brochure for details.

4 Each Policyholder is entitled to the change of Life Insured of Policy for up to three times after the third policy year or after the end of the premium payment period provided all premiums are paid when due, whichever is later. Change of life insured is subject to evidence of insurability and approval by HSBC Life which is based on the underwriting conditions of the Life Insured. Any such request will be assessed on case-by-case basis and is at our discretion, with consideration of multiple factors, including but not limited to the change in underlying claim risk, change in policy term, latest economic outlook; and is at our discretion.

5 Additional Accidental Death Benefit will terminate when the Life Insured reaches the Age² of 80 or when the payment of this Supplementary Benefit has been paid out or the Policy is terminated (whichever is earlier). Please refer to the Policy Provisions of the Supplementary Benefits for detailed terms and conditions of coverage and exceptions.

6 Total Basic Plan Premium Paid refers to the total amount of premium due of the Basic Plan (whether or not actually paid) as of the date of death of the Life Insured. Please refer to the Policy Provisions for detailed terms and conditions.

7 Unemployment Benefit is applicable to Policyholder’s Age² between 19 and 64 who is a holder of a Hong Kong Identity Card. This benefit will terminate when the Policyholder attains the Age² of 65 or all due premiums have been paid or the Policy is terminated (whichever is earlier). Such benefit is not applicable to single premium policy. Please refer to the Policy Provisions of the Supplementary Benefits for detailed terms and conditions of coverage and exceptions.

8 If you choose to pay premiums in monthly payments mode for a Policy Year, the total premiums payable for that Policy Year will be greater than that in annual payment mode.

9. The maximum total premium amount for pending guaranteed approval/simplified underwriting applications and in-force policies (per Life Insured) may differ and is subject to insurance age of the life insured. Total premium amount refers to the total premium amount of this policy determined by HSBC Life. For details of the underwriting requirements, please contact HSBC branch staff. HSBC Life reserves the right to accept or decline any applications for this policy based on the information provided by the life insured and/or policyholder during enrolment.

*To borrow or not to borrow? Borrow only if you can repay!

Disclaimers

HSBC Wealth Goal Insurance Plan II is a life insurance plan underwritten by HSBC Life (International) Limited (“HSBC Life”) which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is an insurance agent authorised by HSBC Life. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the product should be resolved between HSBC Life and you directly.