*The NRI can instruct HSBC Bank plc/first direct to transfer funds from his/her account with HSBC Bank plc/first direct in UK using the bill payment module available through Phone Banking and Internet Banking, to his or her account with HSBC in India(NRI account) and this will be done free. HSBC Bank plc/first direct customers can also give these instructions using the direct debit form on www.hsbc.co.in or by sending a cheque drawn on the NRI's account with HSBC Bank plc/first direct in UK.

^^A flat conversion fee of Rs. 50/- plus service tax, currently applicable at 12.36% of the fee, will be debited by HSBC India from the proceeds of each remittance transaction involving foreign currency conversion.

**The term 'working days' means bank working days in both the UK and India.