Enhance your world with HSBC

2021
Important Service Announcement
Effective May 26, 2021

Last year, we at HSBC Bank USA, N.A. (“HSBC” or “the Bank”) set out on a journey to be able to better cater to our clients’ needs
globally and from a wealth management perspective. You may have seen a recent announcement from us about the next phase
of this plan. As a result of this new focus for HSBC, we are streamlining parts of the Bank. This decision was not made lightly, but
is necessary for us to best position the Bank for the future. As part of this, some of our branches, clients, and employees will be
transitioned to another financial institution in the coming months.

What this means for you

If you are:
• An existing HSBC customer who is opening a new deposit account or applying for unsecured credit, and you have been
notified that you’re being transitioned; or
• A new HSBC customer who is applying for unsecured credit or opening any other deposit account than an HSBC Premier
checking, savings or credit card account; or
• A new or existing HSBC Retail Business Banking customer who is opening a new deposit account or applying for credit, then*

* Any HSBC account(s) opened or applied for today will be transitioned to a new financial institution in the near future.

• If you are interested in insurance or investments, please contact an HSBC Securities (USA) Financial Consultant.

More details and FAQs can be found at u‌s.hsbc.com/GoingForward

A world of banking awaits
HSBC Group1 was born from one simple idea — a local bank serving international
needs. For more than 150 years, we have connected customers to opportunities all
around the world.

How we do business is as important to us as what we do. We believe in capital

strength, strict cost control and building long-term relationships with customers.
We enable businesses to thrive and economies to prosper.

Today, we serve more than 40 million customers worldwide in 64 countries and

territories. We’re proud to put people first, helping them realize their ambitions.

Throughout the years, HSBC2 has adapted to change to ensure our products
and services meet the challenges of today, so that our customers can meet the
challenges of today and tomorrow.
Wherever you are, whatever your needs
We invite you to peruse our convenient checking and savings offering options for all levels
of banking, integrated business banking with one point of contact for your personal and
business needs, and credit cards and loans designed to fit your lifestyle. You can always
count on HSBC’s international insight and financial experience.

Access HSBC Free Online Convenient Free

ATMs3 around downloadable Banking Bank-to-Bank4 and Online
the world eStatements Wire Transfers5 Bill Pay6
HSBC Personal Banking Accounts and Services
Lifestyle Financial
Account Details Everyday Banking International Banking Credit
Credit Cards
Cards Borrowing
Borrowing
Benefits Guidance

Free Debit
HSBC Global Choose the
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rate,
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of borrowing
Contact Deposit13 Fees Account History24 Cash Transaction fee and
fee and cost
cost information
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Account22 Transfer25 options
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Concierge Services20 Relationship required to apply

Unlimited rebates $0
Our multi-currency, mobile-
Premier Savings 17 only account is available to
customers with an eligible Relations hip required to apply We offer a variety of
HSBC Jade of U.S. non-HSBC ATM incoming16 Airport Lounge HSBC deposit account.
HSBC Elite credit card 3X Points on travel
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and no-fee transfers to any
$10,00026 or 2X Points on dining
Manager HSBC fee when using eligible HSBC customer at
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Personal Loans30 allow you to
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eligible HSBC customer at $10,00027
HSBC Advance credit card
2X Points on dining and select entertainment purchases 1X Points on all other purchases Personal Loans30 allow you to
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u‌s.hsbc.com/
u‌s.hsbc.com/globalmoney

maintenance fee waived for six years 12

globalmoney
Our multi-currency, mobile-
$15 only account is available to
customers with an eligible Available These cards are also available with any HSBC relationship We offer a variety of Mortgages and
HSBC No minimum deposit balance requirement No withdrawal fees incoming16 Everyday Savings19 HSBC deposit account. Late Payment Fee Waiver and a Home Equity Line of Choice to
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HSBC Business Accounts and Services
HSBC is here to support your business banking needs. Learn more at u‌s.hsbc.com/fusion.

Account Details Everyday Banking Specialized Services Lending Products & Services

Business Escrow
Monthly Free Wire Certificate Remote Cash Business Accounts Online
Relationship Debit Business Line of Term Equipment
Maintenance Transactions Transfer of Deposits Deposit Management Insurance & Interest on Access Credit Cards37
34
Card Savings Credit
Credit34
37
Loan
Loan34
37
Financing
Financing34
37
Fee Per Cycle31 Fees (CDs): 7 days Capture32 Solutions Options Lawyer (HSBCnet)36
33

up to 10 years Accounts

For covering
24/7 access online or expenditures and
Term options from 12 month line of
$50 with the mobile app HSBC Mastercard® BusinessCard For covering
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payment is then
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or savings accountMastercard® less than 3 years: total
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exchange rates Used to 13.40% 39 Prime + 8.25% 40
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40
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exchange rates 13.40% 39 + 8.25%
greater than $50K
limit: $250
Additional resources
Please see individual product pages below for details on
important rates, fees and other associated costs.

HSBC HSBC Personal HSBC HSBC Home Equity

Credit Card Loans Mortgage Line of Choice

HSBC Bank Routing Number: 022000020

HSBC Bank Swift Code: MRMDUS33

To learn more or set up your account visit us.hsbc.com

Endnotes
1. The HSBC Group operates through a network of affiliates and subsidiaries around the world.
2. HSBC refers to HSBC Bank USA, N.A., HSBC Securities (USA) Inc. and HSBC Insurance Agency
(USA) Inc. HSBC Bank USA, N.A. provides banking products and services. HSBC Securities (USA) Inc.
provides investment products and services and is an affiliate of HSBC Bank USA, N.A. HSBC Insurance
Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of
HSBC Bank USA, N.A.
3. You may be charged additional fees by the ATM operator or network used, including a fee by another
HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply.
4. Transfer limits may apply only to transfers made online through the Bank to Bank Transfers service.
HSBC reserves the right to apply a lower limit.
5. For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the
time of your wire transaction.
6. Under the Bill Pay “on-time” guarantee, HSBC will bear the responsibility for any late-payment-related
charges should an online bill payment arrive after its due date as long as you scheduled the transaction
at least five business days prior to the payment due date. This guarantee does not apply to business
clients using Bill Pay.
7. Participation in HSBC Jade is available to holders of an HSBC Premier Checking Account who have
maintained qualifying Personal Cash Accounts and Personal Investment‡ Assets (excluding Retirement
Accounts and Assets) in the United States which in aggregate and calculated as an average over
each calendar month are equal to at least $1,000,000 (one million U.S. dollars) for a period of at
least 1 calendar month (a “Qualifying Balance”) immediately prior to HSBC Premier Account Holders
becoming HSBC Jade clients. As an HSBC Jade client, if you are no longer able to meet the HSBC
Jade criteria, your access to all its benefits will be removed. See the HSBC Jade Terms and Conditions
for full details.
8. To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account
and maintain:
• Balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and
investment‡ accounts; OR
• Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier
checking account(s); OR
• HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an
aggregate of multiple mortgages. Home Equity products are not included.
• Consumers who maintain Jade status.
A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.
9. To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account
and maintain:
• Balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and
investment‡ accounts; OR
• Monthly recurring direct deposit from a third party to an HSBC Advance checking account; OR
• An HSBC U.S. residential mortgage loan. Home Equity products are not included.
A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.
10. To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking
account and maintain:
• Balances of $1,500 in combined U.S. consumer U.S. Dollar deposit and investment‡ accounts; OR
• Monthly recurring direct deposit from a third party to an HSBC Choice Checking checking account.
A monthly maintenance fee of $15 will be incurred if one of these requirements is not maintained.
11. Basic Banking has no minimum balance requirement and the monthly maintenance fee is $1. There
is no charge for the first eight checks/withdrawal slips you write, then you will be charged $.35 per
check or withdrawal.
12. The 6 Year Maintenance Fee Waiver Offer is available for applications completed in United
States branches, Customer Relationship Center, the International Banking Center or any U.S.
HSBC Choice Checking website from October 31, 2020 – September 30, 2021 (“Offer Period”).
To apply for a deposit account online, you must be at least 18 years of age, have a Social
Security Number, currently have a U.S. residential address and have had U.S. residency for
the past one year. You must be at least 18 years of age and list student as your occupation on
your application (for a “Qualifying Student”). Customers who held an HSBC consumer deposit or
investment account from October 30, 2017 through and including October 30, 2020 are not eligible
for this offer. For a Qualifying Student who opens an HSBC Choice Checking account during the
Offer Period, the Choice Checking account Monthly Maintenance Fee will be waived for six (6)
years from account opening. After the 6 year period, Monthly Maintenance Fee may apply. The
$15 Monthly Maintenance Fee can be avoided as long as one of the following requirements are met:
(1) $1,500 minimum balance in combined U.S. Dollar personal deposit accounts and investment*
balances; OR (2) a recurring qualifying direct deposit from a third party. Qualifying direct deposits
are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits
or other monthly income) made into your HSBC Choice Checking account from third parties at least
once per calendar month. Requirements and Monthly Maintenance Fee amount are subject to
change. Limit one account Maintenance Fee Waiver per customer, including all individual and
joint accounts — the first line name on the joint account is considered the customer for gift purposes.
HSBC reserves the right to change or terminate this offer at its sole discretion. Retain this for
your records.
13. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for
these charges. Camera in device required to be able to utilize HSBC Mobile Check Deposit. Deposit
amount limits may apply. HSBC Mobile Banking App is available for iPhone®, iPad® and Android™
devices and must be downloaded from the App Store® or Google Play™.
14. Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier
Asset Management, HSBC Premier Savings, HSBC Promotional Premier Savings and HSBC Premier
Relationship Savings. HSBC will rebate qualifying ATM third-party surcharge fees incurred with a
credit to your account on the first business day of the following calendar month.
15. Available only on U.S. non-HSBC ATM transactions (except in New York State) initiated from HSBC
Advance checking, Advance Savings and Advance Promotional Savings. HSBC will rebate up to
four qualifying ATM third-party surcharge fees incurred based on transaction date order during the
calendar month. The rebate will be credited to your account on the first business day of the following
calendar month.
16. Incoming wire transfers may be subject to fees from non-HSBC financial institutions. Please check
your account terms and charges for further details. HSBC is not responsible for these charges.
17. To qualify for an HSBC Premier Savings account, you need to maintain a U.S. HSBC Premier8
relationship.
18. The HSBC Advance Savings account is available only to customers with a U.S. HSBC Premier8 or U.S.
HSBC Advance 9 relationship.
19. The HSBC Everyday Savings account is available to all consumers and has no monthly maintenance
fee or balance requirements.
20. HSBC Jade clients will enter into a direct agreement with Ten Lifestyle Group PLC (“Ten”) under which
Ten Lifestyle Group PLC and its affiliates will deliver lifestyle services available under the HSBC Jade
Concierge Service. HSBC will not be a party to that agreement and will not be responsible for the
delivery of the lifestyle services.
21. Use of the Lounge access or Offer is not transferable, and Customers may only use the Lounge
access or Offer until either the expiry date shown on the Website and/or App, or until the expiry
of the Offer as stated in the Offer terms. The Lounge access or Offer may not be used by any
person other than the eligible Customer and their permitted guests. For more information, access
https://airport.mastercard.com/en/terms-of-use.
22. HSBC Global Money Account is a prepaid, multi-currency account available on our Mobile Banking
App for customers who maintain an HSBC consumer deposit account.
23. International account opening is not available in all countries and is subject to approval based on local
regulations and policies of country or application.
24. Portable HSBC credit history is not available in all countries.
25. Global View and Global Transfers are only available for HSBC Premier (which includes HSBC Jade) and
HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local
country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject
to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers.
Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.
26. HSBC Premier (which includes HSBC Jade) clients can receive an emergency encashment of up to
U.S. $2,000 or local currency equivalent immediately or up to U.S. $10,000 or local currency equivalent
upon authorization from local country. You’ll just need to show proper identification at any HSBC
branch. Encashment is dependent on your available balance; local country limitations may apply.
27. U.S. HSBC Advance customers can receive an emergency encashment of up to U.S. $10,000 or
local currency equivalent upon authorization from local country. You will just need to show proper
identification at any HSBC branch. Encashment is dependent on available balance; local country
limitations may apply.
28. Personal customers can receive an emergency encashment up to U.S. $500 or local currency
equivalent upon authorization from local country, fee may apply. You will just need to show proper
identification at any HSBC branch. Encashment is dependent on available balance; local country
limitations may apply.
29. If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT
facility with your HSBC Debit Mastercard® or ATM Card outside the United States, the transaction
amount may be further increased by a percentage established from time to time by us (currently
3%). This Foreign Transaction Fee does not apply to transactions using HSBC Jade World Debit
Mastercard® and HSBC Premier World Debit Mastercard® cards.
30. Personal loan products are offered in the U.S. by HSBC Bank USA, N.A and are subject to credit
approval. The APR on your Personal Loan will be based on your credit history, among other factors.
Loans above $30,000 require a U.S. HSBC Advance9 or Premier8 banking relationship. Borrowers
must continue to meet the criteria used to select the Borrower for this offer and must satisfy pre-
determined underwriting criteria. Programs are subject to change. Eligibility is subject to geographic,
relationship and other conditions. Repayment term restrictions may apply.
31. HSBC defines transactions as each deposit, each item appearing on a deposit ticket and each check
or other withdrawal from your account including any electronic transactions other than those that
are subject to the Service Fee Schedule on the Fusion checking product Terms and Charges. The
transaction limit is based on a total of all transactions conducted in your Fusion Checking account for
the calendar month.
32. An HSBC Business Banking checking account and active HSBCnet login is required to enroll in this
product and service. HSBC’s RDC machine allows secure electronic check deposit transactions via
a personal computer (PC), a desktop scanner and HSBCnet web-based software from your business
location in the U.S. Remote Deposit Capture Service customers are subject to Bank approval.
33. HSBCnet services provided in the United States by HSBC Bank USA, N.A. HSBCnet features and
functionality may vary by country. Subject to U.S. sanction regulations. HSBCnet Mobile services are
not available in connection with HSBCnet profiles in all countries and are subject to phone provider
capabilities.
34. Subject to credit approval, continued creditworthiness and compliance with terms and conditions of
the product. For business purposes only. Other terms and conditions apply. Current offers are subject
to change.
35. Only available to businesses with a single HSBCnet User who is also an owner of the business.
Qualifying business owners can only view individual personal deposit accounts on HSBCnet.
36. Other fees may apply.
37. The Annual Percentage Rate (APR) for purchases is Prime + 9.99% and will vary with the market,
based on the Prime Rate. APR for Loans is Prime +17.99%. The Prime Rate used is the highest
domestic U.S. Prime Rate published in the “Money Rates“ chart of The Wall Street Journal on the first
business day of the preceding calendar quarter.
38. Business Lines of Credit standard interest rates range from Prime plus 2.25% to Prime plus 8.25%,
depending on creditworthiness and collateral. Certain rate reductions may be available based on your
relationship and other products and services you may have with HSBC Bank, USA, N.A. As of March
16, 2020, the HSBC Prime Rate is 3.25%, and the range of interest rates on Business Lines of Credit is
from 5.50% to 11.50%. The HSBC Prime Rate is the rate publicly announced by HSBC Bank USA, N.A.
as its Prime Rate and is subject to change. Rate ranges are also subject to change. Variable interest
rates are determined by adding the applicable spread to the HSBC Prime Rate.
39. Term Loans are priced as follows, for duration of loan. For two and three-year terms the interest rate
applied ranges from 6.50% to 12.50%. For four and five-year terms the interest rate applied ranges
from 7.40% to 13.40%.
40. HSBC Equipment Financing refers to a Revolving Credit Term Loan where the first year can be used
as a line of credit with a variable rate ranging from Prime plus 2.25% to Prime plus 8.25%. Following
the first year, the outstanding balance will be converted to a fixed rate loan at current applicable
loan pricing and payable in monthly installments. Certain rate reductions may be available based on
your relationship and other products and services you may have with HSBC Bank, USA, N.A. As of
March 16, 2020 the HSBC Prime Rate is 3.25%. The HSBC Prime Rate is the rate publicly announced
by HSBC Bank USA, N.A. as its Prime Rate and is subject to change. Rate ranges are also subject to
change. Variable interest rates are determined by adding the applicable spread to the HSBC Prime
Rate.
‡ Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc.
(HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.
iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is
a service mark of Apple Inc.
Android and Google Play are trademarks of Google LLC.
HSBC Jade concierge service is delivered by Ten Lifestyle Group PLC (Ten), Fitzroy House, 355 Euston
Road, London NW1 3AL. HSBC is not responsible for the delivery of, or for any failure to deliver,
the concierge services. Calls to the concierge service are charged at a local rate. Charges for the
products or services provided will be notified at the time of booking. Calls may be recorded. Your
contact details are held with your permission so that you can access the service. Ten is committed to
your privacy. Please visit the website for Ten’s full terms of service and privacy statement.
How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when
you use your card to make new purchases (minus returns, credits and adjustments).
HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A.
HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and may require a
U.S. HSBC checking account relationship. To learn more, speak with an HSBC branch representative.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International
Incorporated.
United States persons are subject to U.S. taxation on their worldwide income and may be subject to
tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should
consult a tax adviser for more information.
Mortgage and Home Equity products are offered in the U.S. by HSBC Bank USA, N.A. and are
only available for properties located in the U.S. Subject to credit approval. Borrowers must meet
program qualifications. Programs are subject to change. Geographic and other restrictions may apply.
Discounts can be canceled or are subject to change at any time and cannot be combined with any
other offer or discount.
Equal Housing Lender
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
This information is accurate as of August 2, 2021. All products and services offered by HSBC Bank USA,
National Association, HSBC Securities (USA) Inc., and HSBC Insurance Agency (USA) Inc. are subject
to updates and modifications. Certain restrictions and requirements may also apply. The information
in this brochure is, therefore, an overview; please see your local HSBC branch representative or
contact us at 888.662.HSBC (4722) for complete, detailed and up-to-date information. Consumer
deposit accounts are governed by the “Rules for Consumer Deposit Accounts,” which supersede any
information in this brochure. See the most current Terms & Charges Disclosure, Electronic Banking
Services Information Statement and EFT Facility Charges Disclosure for more information. Credit
cards and loans require an application and credit approval.
©2021 HSBC Bank USA, N.A.
MKT3296_2021_07