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Terms and Conditions
This webcast is made available by HSBC Holdings plc ("HSBC"). Nothing contained in this webcast is intended to constitute an invitation or inducement to engage in investment activity for the purposes of the prohibition on financial promotion contained in the Financial Services and Markets Act 2000. In making this webcast available, HSBC makes no recommendation to buy, sell or otherwise deal in shares in HSBC or in any other securities or investments whatsoever and you should neither rely nor act upon, directly or indirectly, any of the information contained in these web pages in respect of any such investment activity. If you are considering engaging in investment activity, you should seek appropriate independent financial advice and make your own assessment.

Forward-looking statements
This presentation and subsequent discussion may contain certain forward-looking statements with respect to the financial condition, results of operations and business of the Group. These forward-looking statements represent the Groupís expectations or beliefs concerning future events and involve known and unknown risks and uncertainty that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Additional detailed information concerning important factors that could cause actual results to differ materially is available in our Annual Report.

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