Terms of Use - Important Notes

August 2008

This Site is issued by HSBC Bank plc, Greece, a member of HSBC Group, one of the world's largest banking and financial services organisations with more than 10.000 offices in 83 countries and territories.

HSBC Bank plc is established at 8 Canada Square, London E14 5HQ which is its registered office. HSBC Bank plc is authorised and regulated by the Financial Services Authority and is registered with the following Registration Number: 114216. HSBC Bank plc has legally established a branch in Greece, with its registered office in 109-111 Messoghion Avenue, Athens 11526.

• References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site
• References to 'we', 'us' and 'our' are references to hsbc.gr
• References to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries and affiliated companies

This Internet site describes the services offered by HSBC Bank plc and its subsidiaries in Greece and is only intended for residents of Greece.

Terms

All products and services provided by HSBC Bank plc Greece are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use ("Product terms and conditions"). Where Product terms and conditions conflict with these Terms and Conditions, the Product terms and conditions shall prevail.

The present Terms & Conditions may be changed at any time without notice by updating the posting of the Terms and Conditions. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

Information

The information in this site is based on the bank's understanding of the current law and practice at the time of going to press. Future changes in legislation, tax levels and practice could affect the information in this site.

This information is not intended to provide legal, accounting, tax or investment advice and should not be relied upon in that regard. In some cases, information provided on this web site has been obtained from other sources and while HSBC Bank plc and its subsidiaries endeavour to maintain the accuracy of all information, it makes no representation or warranty as to the accuracy of this information and cannot be held responsible for errors or omissions. Persons accessing these pages are advised to obtain proper legal, accounting, tax or investment advice where necessary.

The information, material and content provided in the pages of the Site may be changed at any time without notice.

No Guarantee

The contents of the Sites are distributed to you without any warranty of any kind. We and the third party content providers disclaim any and all warranties. The information on the Site is provided on an "as is", "as available" basis and to the fullest extent permitted by law we do not give or make any warranty or representation of any kind, whether express or implied in respect of such information in respect of the Site.

We do not represent or warrant that the Site will be available or that it will meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the site or any local site.

Links To Third Party Sites or Content

Your use of hyperlinks on the Site is at your own risk. We provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party websites or content is implied. We are not responsible for the content of any other websites or pages linked to or from the Site. We have not verified the content of any such websites, or pages. It is recommended that you view the linked website's terms or privacy policy pages to understand how use of that website may affect you.

We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyper links, or third party websites or pages linked to the Site. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

The Site may offer access to news services, market analysis, financial planning tools or other information provided by third parties on the Site. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Site. We do not control, cannot guarantee, and are not responsible for the accuracy, timeliness or even the continued availability or existence of such content.

Internet e-mail

Do not use ordinary e-mail to communicate personal or confidential information to us. Use the secure server available at the Site. Ordinary e-mail messages sent over the Internet may be intercepted, lost or altered. We are not responsible for them and will not be liable to you or anyone else for any damages in connection with any messages sent by you to us using ordinary e-mail.

Trade Marks and Copyright

Copyright in the pages, screens, information, and all material in their arrangement, included in the Site is owned by or licensed to us or the HSBC Group unless otherwise noted. You may imprint, copy, download or temporarily store extracts from the Site for your personal information or when you use any products and services of the Site. You may not alter or otherwise make any changes to any material that you print or download from the Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular no one may use a part of the Site on any other website, or link any other website to the Site, without our prior written permission or the consent of the relevant HSBC Group member.

Content from a third party provider available on or through the Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

You may not use the Site for any purpose which is unlawful, abusive, libellous, obscene or threatening.

HSBC is a trademark of the HSBC Holdings plc and all rights in and to HSBC vest in HSBC Holdings plc. Other than as provided above you may not use or reproduce the HSBC trademark, logo or brand name.

Not Intended for Children

The Site is not intended for use by minors.

Governing Law

Your use of the Site is governed by the Greek law. The Courts of Athens will be competent for the interpretation of the present Terms and the resolution of any dispute arising from the use of the Site.

Important Notes

This Internet site describes the services offered by HSBC Bank plc and its subsidiaries in Greece and is only intended for residents of Greece.

Where funds are received by HSBC Bank plc, all branches, they will be held in an account at HSBC Bank plc, all branches, in its capacity as a credit institution. This means that your money will be held by HSBC Bank plc as banker not as trustee. As a result , the money will not be held in accordance with the FCA's Client Money Rules.

Deposit accounts and mortgages

The deposit accounts and mortgages described on this site are provided by HSBC Bank plc, Greece.

With current and deposit accounts paying variable interest rates, the interest paid by the bank will alter from time to time. This means that when the interest rate rises, the interest you receive will increase, but it will become less when the interest rate falls. We reserve the right to alter interest rates on our current and deposit accounts without prior notice. We reserve the right to decline an account application.

Our credit facilities are subject to status and our mortgages are also subject to security. With a mortgage or other secured loan a charge will be taken over the property and appropriate life policy(ies). YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

The mortgage calculators on this site are provided for indication only. The amount you can borrow is subject to validation of income, credit checks and a property valuation. Written quotations available on request.

HSBC provides life and disability insurance with the mortgage in co-operation with Allianz. Buildings insurance is provided in co-operation with Generali Hellas AEAZ. All insurance is provided subject to the normal terms and conditions of these companies, copies of which are available on request.

Ιnsurance Programs

Insurance programs are offered by HSBC (Hellas) Insurance Brokerage SA, license No 211623, in collaboration with the biggest Insurance Companies in Greece.

Phone Banking Service

Information services are offered on products and services of the Bank and the ability to accomplish certain banking transactions.

Credit Card

Credit cards are offered for purchasing goods and services and/or for money withdrawals.

Stockbroking services

The stockbroking services described on this site are provided by HSBC Pantelakis Securities S.A. (HPSS), a subsidiary of HSBC Bank plc. HPSS is a member of the Athens Stock Exchange and Athens Derivatives Exchange. InvestDirect, the name under which HPSS's Internet and touch tone telephone broking services are provided, is a registered trade mark.

Mutual Funds

The mutual funds described on this site are provided and managed by HSBC (HELLAS) AEDAK, a subsidiary of HSBC Bank plc.

With any investment related to stocks and shares it is possible that its value may fall below the amount originally invested as the price of units and the income from them can go down as well as up. This may also happen as a result of changes in the rate of exchange where overseas securities are held. MUTUAL FUNDS DO NOT HAVE A GUARANTEED RETURN AND PREVIOUS PERFORMANCE DOES NOT GUARANTEE FUTURE PERFORMANCE. Due to the difference between the buying and selling prices of shares, which will particularly impact on the value of your investment in the short term, you should regard mutual funds and investing in shares as medium to long-term investments. Your transactions in investment products and services as defined under the law 3606/07 "Markets in Financial Instruments Directive and other regulations" (MIFID), and all the regulations of the Capitals Market Committee and the declarations of the Bank of Greece.