Instant Financial Summary Definitions

Please find below definitions regarding to your Instant Financial Summary.

Abbreviations

FCY: Foreign Currency, TL: Turkish Lira, USD: US Dollar, EUR: Euro (European Currency Unit), OD: Overdraft

Definitions

1) Total Holdings: Indicates your total portfolio of demand/time deposit accounts, mutual funds, stocks* and fixed income securities that you hold at HSBC Bank A.S. and HSBC Yatirim Menkul Degerler A.S. Your total portfolio is calculated by converting your FCY holdings to TL. In addition to your assets in personal accounts, the assets in your joint accounts are also included in the total amount. Your assets are converted to TL/USD by using FCY buying exchange rate. HSBC does not assume any responsibility on the exchange rate fluctuations as a result of market conditions and does not guarantee these equivalents.

2) Total Liabilities: Indicates the outstanding balance on your HSBC Advantage Credit Card, the total outstanding balance on all outstanding consumer loans, the amount withdrawn on your Overdraft account and the outstanding balance on your loan account at HSBC Yatirim Menkul Degerler A.S. Your liabilities are converted to TL/USD by using FCY buying exchange rate. HSBC does not assume any responsibility on the exchange rate fluctuations as a result of market conditions and does not guarantee these equivalents.

3) Demand Deposit Accounts: Currency: Indicates the currency type of your account. Available Balance: Indicates the remaining balance on your demand deposit account. If you have an Overdraft assigned to your account, the available balance denotes the sum of the account balance and the available Overdraft limit. If there is a blocked amount on your account, the blocked amount is subtracted from the available balance.

4) Time Deposit Accounts: Indicates the opening balance of your Time Deposit Accounts in any currency type.

5) Investment Accounts: Indicates the Cash Balance, Available Cash Balance andTransaction Limit of your investment accounts at HSBC Yatirim Menkul Degerler A.S.

6) Investment Products: Present Value: Indicates the lot/unit information of the mutual funds and brokerage shares in your portfolio, the value of fixed income securities as the product of the unit price and the amount. Fixed Income Security Type: Indicates your investment preference type in terms of Government Bonds (GB), Treasury Bills (TB) or Eurobonds (E).

7) Cards: Indicates the Total Limit, Available Limit and Current Balance information of your Credit Cards.

8) Consumer Loans: Indicates the Credit Usage Amount and Credit Balance information regarding your outstanding consumer loans.

9) Payments: Indicates the information as to your outstanding Direct Debits and Standing Orders for the following 1 month.

* Clearing period at stocks market is two business days (T+2) after the transaction date. The balance of your stocks which are sold on the transaction date do not appear in your total assets as it will pass to your account on the t+2 day. You can display your stocks portfolio balance from "Portfolio Info" in "Stocks" menu.