Explore a world of opportunities

Transcription

1 Explore a world of opportunities HSBC products and services Together we thrive

2 TABLE OF CONTENTS ABOUT US Products & services overview HSBC Premier HSBC Advance Choice Checking Business Banking Credit Cards Mortgages International Banking Services Investments & Insurance One of the world s largest banking and financial services organizations, HSBC Group 1 has been connecting Americans to global opportunities since Our worldwide network covers 71 countries and territories in Europe, Asia, the Middle East, Africa, North America and Latin America We serve more than 38 million customers worldwide through four global businesses: Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking We employ 233,000 people around the world We speak 144 different languages At HSBC Bank USA N.A., we work with customers from offices and branches in cities that include New York, Los Angeles, Chicago, Atlanta, Houston, Seattle, Miami, San Francisco and Washington, D.C.

3 05 Products & services overview We offer a wide array of solutions designed to meet each of our customers life goals. Checking & Savings No two financial journeys are the same and we understand that. Whether you re looking to open a checking or savings account, you can choose options that bring more value and convenience to your banking needs along with more ways to access and manage your money. Checking Premier 2 checking World-class banking with personal attention from a Premier Relationship Manager 3 and exclusive worldwide access to some of our best products and services HSBC offers Advance 4 checking Comprehensive banking with preferential rates and rewards, plus worldwide support available 24/7 Choice Checking 5 Convenient banking with more ways to save Basic Banking Ideal when you write only a few checks a month: No minimum balance. Regardless of your balance, your monthly maintenance fee is only $3 6 International services 7 Optional overdraft protection Savings Premier Savings One of HSBC s highest yielding savings accounts, exclusively for Premier clients 8 Advance Savings A smart option for growing savings with a highly competitive rate, available to Advance customers 9 Everyday Savings A straightforward savings account with a competitive interest rate, available to all HSBC customers 10 All HSBC checking and Savings accounts offer: HSBC Debit Mastercard card and access to HSBC ATMs worldwide, most with no withdrawal fees. 11 For more information go to the Premier, Advance or Choice Checking section. Credit Cards Life s better with choices. That s why we offer a range of credit cards with benefits designed to fit your lifestyle. Whether you re looking for a card with premium travel and shopping benefits, or one that gives you a little extra spending power, our choices make life more beneficial wherever you go. Designed for Premier clients Choose from two premium credit cards that provide exceptional travel privileges and rewards. Designed for Advance customers A credit card that makes the good times even better with 2X Rewards Program Points on dining and select entertainment purchases. For all HSBC customers Three credit cards with something for everyone, including cash back, 12 your choice of rewards or a competitive APR. For complete Rate, Fee and Other cost information associated with these HSBC Credit Cards, please request more information from the branch representative. To learn more, visit us.hsbc.com

4 06 07 Personal Lending Select Credit is a personal line of credit which allows you to borrow what you need when you need it up to an approved credit line at a variable APR based on your creditworthiness. Use Select Credit for debt consolidation or paying for home improvements, travel or other large purchases as well as unexpected expenses. Mortgages We want you to feel at home with your mortgage. That s why we offer a variety of mortgages designed to meet your specific needs. Whether you re buying a vacation home or turning your dream of homeownership into a reality, we can help you throughout the entire process. Credit limits up to $25,000 for Premier clients 2 and up to $10,000 for Advance, 4 Choice Checking 5 and Basic Banking 6 Premier Deluxe Mortgage 13 Advance Deluxe Mortgage 15 Conforming Mortgage Special Mortgages Home Equity Line of Choice SM Features of Select Credit Easy access to funds with complimentary access checks or online transfer via Personal Internet Banking to your HSBC checking account Flexibility to pay just the minimum amount due each month or more to pay down your outstanding balance faster No Annual Fee or cash advance fees for online transfers or checks Advantages of Select Credit vs other borrowing options Borrow at a lower APR than most credit cards Borrow only what you need when you need it vs a personal loan Large loan amounts Our best rates 14 Closing cost credit up to $1,500 Personal guidance from start to finish Large loan amounts Preferred rates 14 Options to reduce closing costs 16 Mortgage Consultant to guide you Fixed and adjustable rate mortgages (ARM) 17 with low down payments 18 Competitive rates Special programs for first-time homebuyers, low to moderate income buyers, and military veterans Turn your home s equity into a source of cash for home improvements, debt consolidation, tuition payment or other major expenses Enjoy a flexible credit line that s there when you need it The interest you pay on a home equity line of credit may be tax deductible 19 Optional enrollment as overdraft protection for your checking account To learn more, visit us.hsbc.com

5 09 Business Banking Our Business Banking Team understands there s nothing more personal than owning a business. At HSBC, we re committed to listening, providing financial insights and bringing forth ideas to help you capitalize on opportunities wherever your business takes you. A range of products & services Checking and Savings Accounts providing the control you need to manage your business Debit and Credit Cards with quick access to funds for business expenses Financing to start, build and grow your business Cash Management to keep your business operations running smoothly Special Business Services to control the assets of your clients or beneficiaries Business Insurance Options to protect your people and your company HSBCnet 20 online banking to manage your business accounts securely, anytime and anywhere International Banking Services Achieving your international aspirations couldn t be easier with HSBC. Whether you re relocating, retiring, studying or working abroad, or just simply need a bank account in a different country, we can help facilitate your overseas financial commitments. New to the U.S. Now that you re in the U.S., there s lots to plan and explore. We understand you may not have your U.S. Social Security Number or a U.S. residential address yet, but HSBC can still help you set up banking services locally. We re here to help you get settled in as quickly and easily as possible Moving from the U.S. Through our experts at the International Banking Center, we can help you open an account in over 30 countries and territories worldwide before you leave. 21 You can reach us by ing us.ibc@us.hsbc.com and by calling HSBC (4722) toll free in North America, or internationally Banking without boundaries Through our Premier 2 and Advance 4 banking relationships, we offer worldwide services and benefits including Global View 22 and Global Transfers, 22 unique Personal Internet Banking features that enable you to easily view your linked worldwide HSBC accounts and transfer funds between your eligible worldwide HSBC deposit accounts. Global View Log on once to view and manage all your global HSBC accounts on one screen Global Transfers View live exchange rates and transfer easily between your eligible HSBC global deposit accounts in different currencies Wire Transfers 23 Move money easily between your U.S. HSBC accounts and accounts at other U.S. or international financial institutions To learn more, visit us.hsbc.com

6 10 Investments & Insurance To help you plan for your future, we offer an array of solutions designed to meet a variety of goals and risk levels. A financial professional 24 from HSBC Securities (USA) Inc. 25 and HSBC Insurance Agency (USA) Inc. 25 can help you evaluate and choose the investment products for your needs. A world of opportunities Everyone has individual needs and goals. Whether you re planning to purchase a new house or leaving a legacy, we can help you work toward your goals. Your financial professional is a partner in helping to establish a solid foundation for every stage of life. Managing your wealth Protecting your family and future Saving for education Developing a retirement strategy Leaving a legacy Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and are offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843 Investments, Annuity and Insurance Products: ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. To learn more, visit us.hsbc.com

7 12 Ways to bank The world doesn t slow down for everyday banking transactions and you don t have to either. With our online and mobile tools, you can stay connected and stay in control of your money whether you re headed around the corner or around the world. Bank anywhere, anytime Access HSBC ATMs 11 around the world Take care of your routine banking needs at any worldwide HSBC ATM, and change your HSBC ATM & Debit Card PIN at any U.S. HSBC ATM Online and Mobile Banking 26 Manage and access your eligible HSBC accounts quickly and securely from your mobile phone or tablet, and even deposit a check with the tap of your phone Manage money easily Digital Money Management Tools 27 Keep track of your finances with tools that can help you get a handle on your spending, keep your financial plans and budgets on track, and more Free downloadable estatements Receive free electronic statements for your eligible HSBC accounts Move money quickly and securely 27 Free Online Bill Pay 28 Pay bills to anyone in the U.S. online, anytime, with payments guaranteed to arrive on time Convenient Bank-to-Bank and Wire Transfers 23 Easily move money between your eligible U.S. HSBC deposit accounts and your accounts at other U.S. financial institutions with bank-to-bank transfers, and send funds from your eligible U.S. HSBC deposit accounts to another person, business or financial institution in the U.S. or internationally with wire transfers Global View/Global Transfers 22 for Premier 2 and Advance 4 If you are an HSBC Premier or Advance customer, you can experience one view of all your global HSBC accounts and make no transfer fee transfers between your eligible deposit accounts HSBC Premier Discover some of the best HSBC has to offer. To learn more, visit us.hsbc.com

8 15 Every life transition presents its own challenges, but change can also bring opportunity. Our team recognizes that there are important financial decisions attached to the pivotal moments in your life, and we expect to be there for every milestone and all the steps in between. As a Premier 2 client, you ll be welcomed with exceptional service and preferential benefits so you can make the most of life, no matter where you are or where you re going. Your Premier Relationship Manager 3 will take the time to understand your unique financial goals and help you on your journey to achieving them Personal support In-branch assistance, where available through your Premier Relationship Manager Priority phone service 24 hours a day, 7 days a week To learn more, visit us.hsbc.com/premier

9 16 17 More than just banking Some of our most prestigious products and services include: Enjoy a world of advantages with your Premier relationship Access your funds anytime from anywhere in the world Priority service for all your financial needs, at branch locations in the U.S. and around the globe Unlimited monthly rebates of non-hsbc ATM surcharges in the U.S. ATM rebates will be made on the first business day of the following month 29 Your Premier 2 checking account No monthly maintenance fee by maintaining combined eligible balances of at least $100,000 No fees at domestic HSBC ATMs Free select style checks, no fees for official checks and no HSBC fees for incoming wire transfers 23 Your Premier Savings account 8 Earn more With our highest yielding Money Market accounts, offering higher rates as you save more Save safely Your money is FDIC-insured to the maximum permitted by law Build your relationship Balance counts towards your monthly minimum balance requirement Global connectivity Automatic Premier status in all countries where you bank with HSBC affiliates Emergency cash of up to U.S. $10,000 or local currency equivalent at HSBC Premier Centers and HSBC branches around the world should your wallet be lost or stolen 30 Free international account opening 21 and portable HSBC credit history 31 To learn more, visit us.hsbc.com/premier

10 18 19 Your choice of Premier Credit Cards Elevate your world with a distinct metal card and premium rewards and benefits, including: 3X Rewards Program Points on travel HSBC Premier World Elite Mastercard credit card Complimentary access to 850+ airport lounges worldwide, plus two free lounge visits 32 $100 Annual Air Travel Statement Credit 32 $85 TSA Pre Application Fee Credit 32 Unlimited Boingo Wi-Fi access 32 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay 32 Rewards program that offers leading brand merchandise, cash back 12 or gift cards to popular restaurants and stores; or use our online travel site to redeem Points for flights, hotel reservations and car rentals 33 No Foreign Transaction Fees 2X Rewards Program Points on dining 1X Rewards Program Points on all other purchases HSBC Premier World Mastercard credit card This credit card is your passport to a life without boundaries. You ll enjoy rewards and travel benefits, including: 2X Rewards Program Points on travel 1X Rewards Program Points on all other purchases No Annual Fee for customers with a qualifying U.S. Premier 2 checking account relationship $85 TSA Pre Application Fee Credit 32 Unlimited Boingo Wi-Fi access 32 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay 32 Rewards program that offers leading brand merchandise, cash back 12 or gift cards to popular restaurants and stores; or use our online travel site to redeem Points for flights, hotel reservations and car rentals 33 No Foreign Transaction Fees For complete Rate, Fee and Other cost information associated with these HSBC Credit Cards, please request more information from the branch representative. To learn more, go to the Credit Cards section. Premier Deluxe Mortgage 13 If you re planning on purchasing a new home or refinancing an existing mortgage, a dedicated Premier Mortgage Consultant will help you access exceptional benefits and guide you from application to closing. Our best rates 14 on fixed and adjustable rate mortgages (ARM) 17 Access up to $3 million in financing Closing cost credit up to $1,500 Financing solutions for international borrowers with qualifying documentation Home Equity Line of Choice SM,34 Enjoy a flexible credit line that s there when you need it. Turn your home s equity into a source of cash for home improvements, debt consolidation, tuition payment or other major expenses. The interest you pay on a home equity line of credit may be tax deductible. 19 Financing up to $1 million Exclusive Premier Rate discount 14 of.50% with automatic payment from a U.S. HSBC Premier checking account No closing costs for lines up to $500,000 No application or Annual Fees 35 To learn more, go to the Mortgages section. To learn more, visit us.hsbc.com/premier

11 20 Jade by HSBC Premier 36 A superior membership program Jade is an exclusive membership program, by invitation only, designed to provide support, dedication and enrichment, with your personal economy at heart. Jade provides exclusive access to unique banking services, products and rewards, with lifestyle benefits designed to create unforgettable experiences. Jade members have access to: A dedicated Jade relationship manager, supported by a multidisciplinary team Superior service with preferential access to some of our most prestigious banking products Complimentary membership 37 to Priority Pass SELECT, the world s largest independent airport lounge program Membership to Quintessentially, an award-winning concierge service with expert Lifestyle Managers dedicated to your needs A world of extraordinary experiences with our handpicked global partners: Mandarin Oriental Hotel Group, Small Luxury Hotels of the World, Etihad Airways, Artspace, Berry Bros. & Rudd and Bowers & Wilkins Jade benefits are subject to change with prior notification. To learn more, visit us.hsbc.com/jade TO LEARN MORE, VISIT US.HSBC.COM/PREMIER

12 22 Ways to bank Bank your way with HSBC. With access to our innovative digital platforms, you decide how, when and where you do your banking. Free Online Bill Pay 28 Access to HSBC ATMs worldwide Online and Mobile Banking HSBC Advance For all of life s adventures, we ll be there. Free downloadable estatements Digital Money Management Tools Convenient Bank-to-Bank and Wire Transfers 23 To learn more, visit us.hsbc.com

13 25 We know that achieving success takes more than just thinking about it. It takes dedication, expertise and having the right people on your side. That s exactly what you get as an Advance 4 customer. You ll have access to the support and tools you need to help you manage cash flow and credit, build savings and control debt. Discover the many benefits and rewards of an Advance relationship, and let us help you reach all your financial goals. Personalized support Access our dedicated professionals anytime In-branch assistance for all your financial needs Priority phone service 24 hours a day, 7 days a week Live every moment to the fullest with Advance Personal service at branch locations in the U.S. and around the globe Access your funds anytime from anywhere in the world Access to emergency cash at any HSBC branch in the world 38 To learn more, visit us.hsbc.com/advance

14 26 27 Move your banking forward Some of our most preferential products and services include: A Credit Card designed with your needs in mind Your Advance 4 checking account Your Advance Savings account 9 No monthly maintenance fee by maintaining combined balances of at least $10,000 OR at least $5,000 with a recurring direct deposit set up once per month No HSBC fee when using non-hsbc ATMs nationwide 11 Up to four rebates per month on qualifying non-hsbc ATM third-party surcharges in the U.S. outside of New York State 39 Enjoy easy access to your account Connect to as many checking accounts as you wish regardless of what bank they are with and transfer funds between them 40 Set up automatic transfers for the amount and frequency you prefer and your money moves on time without extra effort 40 HSBC Advance Mastercard credit card Make the good times even better with a credit card that rewards you for doing the things you enjoy most. You ll have access to a generous rewards program and shopping benefits, including: 2X 1X Free select style HSBC Advance branded checks Rewards Program Points on dining and select entertainment purchases Rewards Program Points on all other purchases Mortgage benefits Advance Deluxe Mortgage 15 Combine the joys of home ownership with the benefits of being an HSBC Advance customer. Access up to $3 million in financing 10% down available for loans up to $1.5 million 41 ; no mortgage insurance required 42 Financing solutions available for international borrowers with qualifying documentation Home Equity Line of Choice SM,43 Enjoy a flexible credit line that s there when you need it. Turn your home s equity into a source of cash for home improvements, debt consolidation, tuition payment or other major expenses. The interest you pay on a home equity line of credit may be tax deductible. 19 Financing up to $350,000 Advance relationship rate discount 14 of.25% with automatic payment from a U.S. HSBC Advance checking account No closing costs 35 for lines up to $500,000 No application or Annual Fees 35 To learn more, go to the Mortgages section. Rewards program that offers leading brand merchandise, cash back 12 or gift cards to popular restaurants and stores; or use our online travel site to redeem Points for flights, hotel reservations and car rentals 33 Extended Warranty, Price Protection and Purchase Assurance,32 No Foreign Transaction Fees For complete Rate, Fee and Other cost information associated with this HSBC Credit Card, please request more information from the branch representative. To learn more, go to the Credit Cards section. To learn more, visit us.hsbc.com/advance

15 28 Ways to bank Bank your way with HSBC. With access to our innovative digital platforms, you decide how, when and where you do your banking. Free Online Bill Pay 28 Access to HSBC ATMs worldwide Online and Mobile Banking Choice Checking Free downloadable estatements Make the most of your every day. Digital Money Management Tools Convenient Bank-to-Bank and Wire Transfers 23 To learn more, visit us.hsbc.com

16 31 We understand meeting your day-to-day needs is as important as receiving everyday value. Choice Checking 5 gives you both along with valuable access to what HSBC has to offer. As an HSBC customer, you can take advantage of our outstanding products and services, personalized advice and a bank that s committed to you. Personalized support Enjoy everyday value and convenience with Choice Access to advice from experts at HSBC In-branch assistance for all your financial needs Assistance through our Customer Relationship Center, 7 days a week from 7am 12am ET Personal service at branch locations in the U.S. and around the globe Access your funds anytime from anywhere in the world Pay no withdrawal fees at HSBC ATMs in the U.S. 11 Meet your day-to-day needs Choice Checking and HSBC Everyday Savings 10 accounts bring more value and convenience to your banking, along with more ways to access and manage your money. Your Choice Checking account No monthly maintenance fee with recurring direct deposit or by maintaining a minimum balance of at least $1,500 in U.S. personal combined deposit and investment balances HSBC Debit Mastercard card Your Everyday Savings account Competitive rate Set up automatic savings transfers from your Choice Checking account Withdraw or deposit funds at any HSBC ATM in the U.S. To learn more, visit us.hsbc.com/choice

17 32 33 Your choice of Credit Cards Whether you re looking for a credit card that rewards you for everyday purchases, or you re in need of a little extra spending power, HSBC offers options that suit your needs. Find the right one for you. Mortgage benefits HSBC Cash Rewards Mastercard credit card HSBC Platinum Mastercard with Rewards credit card HSBC Gold Mastercard credit card Get competitive rates on a range of fixed and adjustable rate mortgages (ARM). 17 Low down payment options % 10% 1X Late Fee Waiver: in the event your payment is late, you will receive one late fee waiver per year Loans of up to $453,100 for a single-family property Special mortgage programs for first-time homebuyers Unlimited cash back on all new, net purchases Anniversary Bonus on all cash rewards earned each year Rewards program that offers leading brand merchandise, cash back 12 and travel rewards such as airline tickets, hotels and car rentals 33 Rewards Program Points on all new, net purchases Rewards program that offers leading brand merchandise, cash back 12 and travel rewards such as airline tickets, hotels and car rentals 33 No Penalty APR For complete Rate, Fee and Other cost information associated with these HSBC Credit Cards, please request more information from the branch representative. To learn more, go to the Credit Cards section. Home Equity Line of Choice SM Enjoy a flexible credit line that s there when you need it. Financing up to $350,000 No closing costs 35 for lines up to $500,000 No application or Annual Fees 35 To learn more, go to the Mortgages section. To learn more, visit us.hsbc.com/choice

18 34 Ways to bank Bank your way with HSBC. With access to our innovative digital platforms, you decide how, when and where you do your banking. Free Online Bill Pay 28 Access to HSBC ATMs worldwide Online and Mobile Banking Business Banking Free downloadable estatements There s nothing more personal than owning a business. Digital Money Management Tools Convenient Bank-to-Bank and Wire Transfers 23 To learn more, visit us.hsbc.com

19 37 Keeping your business moving forward requires having the right people behind you. We ll be there when you need us with some of the very best that HSBC has to offer. Our Business Banking Team will help nurture your business by understanding your unique needs and tailoring solutions to meet them. Whether you re seeking to optimize cash flow, expand your business, enhance operational efficiencies or offer employees valuable benefits, you can tap into an array of business products and services. It s our goal to help you go further as far as your inspiration and aspirations can take you. Dedicated support Services to keep your business moving A Business Banking Team working closely with you to help your business achieve its full potential In-branch assistance to help you make the most of your Business Banking relationship Priority phone service for all your business needs Our comprehensive Business Banking services offer: A personalized approach designed to help you manage, protect and grow your business Local expertise and knowledge supported by a range of financial resources A relationship with HSBC, which stands uniquely positioned to help open doors to new possibilities Access to Premier, 2 our exclusive banking service to cover every aspect of your personal finances and lifestyle HSBCnet 20 to conveniently access and manage your business accounts online To learn more, visit us.hsbc.com/business-banking

20 38 39 A range of business solutions Debit and Credit Cards We share your passion and we back it up by providing products to help make each and every day a success. Business checking Business First A basic checking solution for growing businesses HSBC Mastercard BusinessCard credit card 47 A smart cash management solution for your business, making it easy to keep accurate records of company expenses at hand. HSBC Debit Mastercard BusinessCard Eliminates the need to write checks, carry cash or use personal funds for business purposes. Business Smart A checking solution that recognizes your qualified personal and commercial balances with HSBC Executive Analyzed A checking solution for businesses with more sophisticated banking needs Business Savings & CDs Business Savings Easy access to your funds and competitive business savings rates with a moderate minimum balance requirement to avoid a monthly maintenance fee Business Certificate of Deposits (CD) Offers term options to fit your needs as little as 7 days or up to 10 years, with funds easily accessible at maturity Financing Lines of Credit 44 Quick availability of funds to help cover working capital and expenditures 7 Term Loans 45 Support for expanding businesses with flexible repayment terms SBA Loans 46 A smart solution for starting, building or growing a business To learn more, visit us.hsbc.com/business-banking Maximize cash flow Individual cards for designated employees, branded with your company or organization name A monthly cardholder statement for every user Easy reconciliation with consolidated company-level billing Year-end summary statement Rewards Enroll in the HSBC Mastercard BusinessCard Rewards Program 7 and earn Points for your card purchase activity Points can be redeemed for free air travel, ultimate sports experiences and gift cards to restaurants, retailers and cruises Redeem Points at any time through our online site Competitive Purchase APR No finance charges Make purchases anywhere Mastercard is accepted Cards are branded with your company name Cash management services Merchant Services Offers ways to accept various payment choices with next business day funding availability Accounts Payable and Accounts Receivable Management Streamlines your process with more control and protection Specialized business services Escrow Account Created to manage, safeguard and segregate the assets of your clients or beneficiaries Interest on Lawyer Accounts Available exclusively to attorneys and law firms to deposit clients funds Business protection Key Person Insurance Protects one of your most valuable assets: people Succession Planning Protection for your business upon the occurrence of certain events such as retirement, disability and death of a co owner

21 40 Ways to bank The world doesn t slow down for everyday banking transactions and you don t have to either. With our online and mobile tools, you can stay connected and stay in control of your money whether you re headed around the corner or around the world. Bank anywhere, anytime Access HSBC ATMs all over the world Take care of your routine banking needs at any worldwide HSBC ATM, and change your HSBC ATM & Debit Card PIN at any U.S. HSBC ATM HSBCnet 20 Access and manage your HSBC business accounts online, with the ability to pay bills and settle invoices securely 24/7 access to a wide range of services and reports Ability to make payments in U.S. dollars or foreign currencies through all major payment systems Real-time foreign exchange rates for international payments using our Get Rate feature End-to-end security Credit Cards Choose the card that fits your lifestyle. HSBCnet mobile app gives you access to your accounts anytime, anywhere To learn more, visit us.hsbc.com/business-banking

22 Credit Cards 43 Plus, enjoy the following benefits with either HSBC Premier credit card: HSBC Premier World Elite Mastercard credit card Elevate your world with a credit card designed for your unique lifestyle. HSBC Premier World Mastercard credit card Your passport to a life without boundaries. Exceptional rewards program Shopping benefits 32 and protections Rewards 3X Rewards Program Points on travel purchases Elite Travel Benefits 32 Complimentary membership to 850+ airport lounges, plus up to 15% off airport retailers and two free lounge visits $100 Annual Air Travel Statement Credit $85 TSA Pre Credit to reimburse the application fee $100 Annual Statement Credits for rides with Uber and Lyft Unlimited Boingo Wi-Fi access World Elite Concierge Service 48 2X Rewards Program Points on dining purchases Car rental collision and damage insurance Lost or damaged baggage coverage $1 Million Travel Accident Insurance 1X Rewards Program Points on all other purchases 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay Rewards Travel Benefits 32 2X Rewards Program Points on travel purchases $85 TSA Pre Credit to reimburse the application fee $50 Annual Statement Credits for rides with Uber and Lyft Unlimited Boingo Wi-Fi access Car rental collision and damage insurance Lost or damaged baggage coverage $1 Million Travel Accident Insurance 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay No Foreign Transaction Fees No Annual Fee for qualified Premier clients Competitive Purchase APR 1X Rewards Program Points on all other purchases Earn unlimited Rewards Program Points with no expiration 32 Redeem Points for flights, hotel reservations and car rentals using our online travel site 32 Book your own airline travel and receive a statement credit to reimburse the cost 32 Fly on most major airlines with no blackout dates or seat restrictions 32 Transfer your Points to air miles with participating airline partners 49 Smarter, faster payment options Make mobile purchases with Apple Pay, Google Pay and Samsung Pay Contactless payment technology allows you to simply tap your card to complete many smaller purchases Enjoy complimentary ShopRunner membership and receive unlimited, free 2-day shipping and free return shipping at over 140 online stores Extended Warranty, Purchase Assurance, Satisfaction Guarantee and Price Protection so you can shop with confidence Identity Theft Resolution Services with one-on-one support in the event your identity is compromised Security chip offers enhanced protection when used at chip-enabled terminals No Foreign Transaction Fees $395 Annual Fee (plus $65 per Authorized User) Competitive Purchase APR For complete Rate, Fee and Other cost information associated with these HSBC Credit Cards, please request more information from the branch representative. To learn more, visit us.hsbc.com/creditcards

23 44 45 Plus, enjoy the following benefits: HSBC Advance Mastercard credit card Turn everyday purchases into incredible rewards. Shop with confidence 32 Travel with confidence 32 Rewards Extended Warranty doubles your original warranty up to two additional years MasterRental offers coverage for damage or theft of a rental vehicle 2X Rewards Program Points on dining and select entertainment purchases 1X Rewards Program Points on all other purchases Price Protection refunds the difference if you purchase an item and see it advertised for less within 120 days Purchase Assurance covers most purchases against accidental damage or theft for up to 90 days $1 Million Travel Accident Insurance provides coverage when traveling on a common carrier Earn unlimited Rewards Program Points with no expiration Redeem Points for gift cards to popular restaurants, movie theaters and top retailers 32 Choose from a wide selection of leading merchandise or cash back 12 Use our online travel site to redeem Points for flights, hotel reservations and car rentals 33 No Foreign Transaction Fees No Annual Fee for qualified Advance and Premier clients Security chip offers enhanced protection when used at chip-enabled terminals Mobile & contactless payment options Make mobile purchases with Apple Pay, Google Pay and Samsung Pay Contactless payment technology allows you to simply tap your card to complete many smaller purchases Competitive Purchase APR For complete Rate, Fee and Other cost information associated with this HSBC Credit Card, please request more information from the branch representative. To learn more, visit us.hsbc.com/creditcards

24 46 Cash Back Rewards 1.5% Unlimited cash back on all new, net purchases HSBC Cash Rewards Mastercard credit card Turn the rewards you earn every day into something more meaningful. 10% Anniversary Bonus on all Cash Rewards earned each year Enjoy these benefits with any of these credit cards: Shopping protections 32 Extended Warranty doubles your original warranty up to one additional year Purchase Assurance covers most items from damage or theft Price Protection refunds the difference if you see an item advertised for less within 60 days of purchase Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised Rewards HSBC Platinum Mastercard with Rewards credit card Make every day more rewarding. Rewards Program that offers brand name merchandise, gift cards to popular retailers, cash back 12 and travel rewards such as airline tickets, hotels and car rentals 33 HSBC Gold Mastercard credit card Get a little extra spending power. Peace of mind when traveling 32 MasterAssist provides pre-trip planning assistance, help with lost luggage and more Master RoadAssist Roadside Service provides help in the event your car breaks down while traveling in the U.S. $1 Million Travel Accident Insurance Leading payment technology Security chip offers enhanced protection when used at chip-enabled terminals Contactless payment technology allows you to simply tap your card to complete many smaller purchases Make mobile purchases with Apple Pay, Google Pay and Samsung Pay Mortgages Come home to a smart loan. Savings No Foreign Transaction Fees 1 Late Fee Waiver: in the event your payment is late, you will receive one late fee waiver per year No Penalty APR No Annual Fee Competitive Purchase APR To learn more, visit us.hsbc.com/creditcards For complete Rate, Fee and Other cost information associated with these HSBC Credit Cards, please request more information from the branch representative.

25 49 Whether you re planning to buy, refinance or remodel a home, HSBC provides mortgage options that could be right for your needs. You ll work with an HSBC Mortgage Consultant who can guide you through the entire mortgage process step-by-step to help get your loan closed. Mortgage products We offer a variety of mortgages designed to meet your specific mortgage needs. Premier Deluxe Mortgage 13 Advance Deluxe Mortgage 15 Our best rates 14 on fixed and adjustable rate mortgages (ARM) 17 Access up to $3 million in financing Closing cost credit up to $1,500 Favorable rates on cash out refinancing, if you apply for refinancing within six months of an all-cash purchase 50 Rate discount 14 for selecting auto-payment from a U.S. HSBC Premier 2 checking account Financing solutions for international borrowers with qualifying documentation Title vesting for U.S. corporations and U.S. Limited Liability Companies 51 Flexible lending guidelines for homes in newly constructed condominium projects Preferred rates 14 on fixed and adjustable rate mortgages (ARM) 17 Access up to $3 million in financing 10% down available for loans up to $1.5 million 50 ; no mortgage insurance required 51 Financing solutions available for international borrowers with qualifying documentation Option to reduce closing costs through higher interest rates 16 Rate discount 14 for selecting auto-pay from a U.S. HSBC Advance 4 checking account Title vesting for U.S. corporations and U.S. Limited Liability Companies 51 Flexible lending guidelines for homes in newly constructed condominium projects To learn more, visit us.hsbc.com/mortgages

26 50 51 Conforming Mortgages Choose between the stability of a fixed rate mortgage or the flexibility of an adjustable rate mortgage (ARM). 17 Special mortgages and programs Fixed Rate Mortgages A great choice if you want to establish a stable mortgage budget throughout the life of your loan. CommunityWorks,55 First Home Club 52 Program SONYMA 56 (State of New York Mortgage Agency) Loans VA (Veteran s Affairs 57 ) Loans FHA (Federal Housing Administration) Loans At closing, the rate of the loan is locked in and regular monthly payments are required Up to $453,100 in financing for a single-family residence Flexible financing terms Adjustable Rate Mortgages (ARM) 17 Typically offers a lower initial rate than a fixed rate mortgage, and you may be able to take advantage of lower rates in the future. If you re planning on moving or refinancing within a few years, an ARM may be a good option. Mortgage starts with a fixed interest rate for an initial period, with the rate becoming adjustable for the remaining term. Your monthly payment may change depending on market conditions Offers up to $453,100 in financing for a single-family residence, and the flexibility of selecting the length of the initial fixed interest rate period This program 53 provides eligible first-time homebuyers currently living in New Jersey or New York with assistance toward the down payment and closing costs of a new home. For every $1 deposited into an HSBC First Home Club savings account, an additional $4, up to $7,500, is matched 54 from the Federal Home Loan Bank of New York (FHLB) CommunityWorks is an affordable low down payment mortgage program for, but not limited to, first-time homebuyers. It may be combined with eligible grants to help pay for costs associated with obtaining a mortgage. Up to $7,000 in closing cost assistance Competitive mortgage rates Flexible lending guidelines to help more borrowers qualify If you re a first-time homebuyer in New York State, a SONYMA loan may be a great choice for you. A minimum of 3% down payment is required for 1- to 2-unit properties Available for New York State properties only and must be an owner occupied, primary residence If you re a qualified veteran, surviving unmarried spouse of a qualified veteran or currently serve in one of the branches of the military, a VA loan may be the perfect home-financing fit for you. Low down payment and low closing cost options Gift funds from family may be used to pay for closing costs Maximum loan amount: $453,100 based on a 1 unit dwelling, or the geographic VA maximum mortgage limit Streamlined refinance programs also available FHA loans provide an excellent start for first-time homebuyers. Low down payment and low closing costs Gift funds from family may be used to pay for down payment or closing costs Existing 1- to 4-family homes eligible Streamlined refinance programs also available To learn more, visit us.hsbc.com/mortgages

27 52 Home Equity Line of Choice SM Turn your home s equity into a source of cash for home improvements, debt consolidation, tuition payments, a car, a wedding or other major expenses. The interest you pay on a home equity line of credit may be tax deductible. 19 Receive discounted 14 home equity rates with an HSBC Advance 4 or an HSBC Premier 2 relationship when you have your payments automatically deducted from your relationship U.S. checking account Financing up to $1 million with an HSBC Premier home equity line of credit 34 Use our HELOC to purchase a primary residence or a second home No closing costs 35 for lines up to $500,000 International Banking Services Wherever life takes you, we can help. No application or Annual Fees 35 Choice of Interest Only or Principal and Interest monthly payments 58 Flexibility to lock in up to three fixed rate loans within your line of credit at any one time if you prefer the security of a fixed interest rate and payment amount 59 To learn more, visit us.hsbc.com/mortgages

28 55 Starting a life in a new country, or living the global lifestyle, has its complexities, and organizing your finances shouldn t be one of them. We re here to help you be one step ahead in your international journey. With HSBC, you can access a single view of all your eligible global HSBC accounts and make transfers between them quickly. 22 To make things easier, we ll also make sure your HSBC credit history goes with you wherever you land next. 31 Relocation without complication New to the U.S. We provide the support you need as you begin your new life in the U.S. Opening an Account 21 We can help you open an account using your overseas residential address, without a U.S. Social Security Number, 60 and have it set up before you arrive in the U.S. Credit 31 Through our range of credit cards, we can help you obtain and start building credit history in the U.S. Mortgage 61 Whether you re purchasing a home in the U.S. to reside in or to use as an investment, we are experienced in providing home financing solutions for international borrowers Moving from the U.S. If you re planning or considering a move outside of the U.S., or have a home abroad, your HSBC relationship can help you save time and effort. Through our global connectivity and international presence in over 30 countries, we can set up an overseas account 62 for you. Our International Banking Center can provide you with global financial services, including: Opening an overseas account before you leave to help support your international banking needs while you are living abroad and discussing your needs so you can plan ahead 21 Ensuring checkbooks, debit cards, credit cards and PINs are sent to you before the move, providing you give us enough notice Credit card assistance 63 to provide new cards with similar limits to those you currently hold with HSBC Transferring your HSBC credit history to other HSBC offices in countries that we operate in 31 To learn more, visit us.hsbc.com/international-banking

29 56 Banking with HSBC globally As an HSBC Premier 2 or Advance 4 customer, you have unique Personal Internet Banking features that enable you to easily view and transfer funds between your linked worldwide HSBC accounts. If you already qualify for Premier in another country that HSBC operates in, your status can be transferred over so you can continue to enjoy the many benefits Premier has to offer. Global View 22 Log on once to view and manage all your global accounts on one screen. View the balances of your linked HSBC accounts 64 on one screen Launch the online banking service for each linked country from a central page Monitor your accounts from virtually anywhere in the world through the HSBC Mobile Banking App 26 Global Transfers 22 View real-time exchange rates and transfer easily within your HSBC global accounts in different currencies. Fast and secure international transfers No transfer fee for transfers from eligible U.S. HSBC deposit accounts Generous single Global Transfers limit allows you to transfer large amounts between your eligible deposit accounts Investments & Insurance Seeing the big picture. To learn more, visit us.hsbc.com/international-banking

30 59 At the core of our wealth management services is our commitment to seeing the full picture of your financial situation and understanding your goals, concerns and values. Through HSBC Securities (USA) Inc. 25 and HSBC Insurance Agency (USA) Inc., 25 we provide a deeper understanding of your unique financial needs and ambitions. We offer tailored recommendations of products to meet your needs based on achieving your long-term goals. A range of investment choices An HSBC Securities financial professional 24 can work with you to create a plan to help you achieve your objectives and connect you to a range of investment choices, such as: Mutual Funds Access to mutual funds managed by third parties as well as funds managed by HSBC Global Asset Management Fixed Income Investments 65 Explore a range of fixed income products including tax-free municipal bonds, emerging market and corporate bonds as well as U.S. Treasury and Sovereign bonds allowing you to tap into markets across the globe and at home in the U.S. Managed Solutions 66 Utilize managed solutions, including the HSBC Securities (USA) Inc. Spectrum 67 account and offer portfolio and investment management services using an investment strategy aligned to your risk appetite and particular needs Exchange Traded Funds (ETFs) 68 Invest in ETFs by utilizing the knowledge and support of an HSBC Securities (USA) Inc. financial professional, and leveraging unique insights and analysis from our global resources to help evaluate your investment possibilities Mutual Funds, Exchange Traded Funds and Variable Annuities are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your HSBC Securities (USA) Inc. financial professional, or calling HSBC (4722). Read it carefully before you invest. Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and are offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843 Investments, Annuity and Insurance Products: ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. To learn more, visit us.hsbc.com/investments

31 60 61 Investment options for every stage of life At every stage of your relationship with us, you will have access to personal support from our knowledgeable HSBC Securities (USA) Inc. 25 financial professionals 24 who will work with you to assess your financial needs and help you find the most suitable investment solutions. An HSBC Securities (USA) Inc. financial professional can help you evaluate investment choices, depending on your needs. How we work HSBC Securities (USA) Inc. 25 HSBC Securities (USA) Inc. has an in-depth understanding of the world s economies and a network of investment professionals providing insight into trends and opportunities. You will have access to a range of competitive investment solutions suited for your current situation as well as your future financial needs. These products and services have been thoroughly researched to provide our clients with carefully selected solutions for nearly every asset class. Managing your wealth and planning for your financial needs We want to help evaluate where you are, where you want to go and most importantly, to be the financial partner that helps you get there. We do this by: Taking a holistic needs-based approach with our clients Gaining a better understanding of your unique financial goals Helping you get started on your financial strategy Planning and developing a retirement strategy Whether you re just starting to save for retirement or are nearing the time to turn your savings into retirement income, our financial professionals can review available solutions with you. HSBC Insurance Agency (USA) Inc. 25 Insurance is an integral part of a sound financial plan. You can use insurance in many ways to help protect what you have earned, increase security for you and your family, or serve as the cornerstone of an estate preservation strategy. Experienced financial professionals through HSBC Insurance Agency (USA) Inc. will work to understand your individual needs and help identify the coverage that is right for you. How we work together Saving for education Financial professionals and a range of tax-advantaged savings programs, including 529 College Savings Plans, can help you design savings for an education. HSBC Securities (USA) Inc., HSBC Insurance Agency (USA) Inc. and our affiliates earn compensation that varies depending on the products and services that we provide, and we in turn pay our financial professionals 24 who serve you. This creates a conflict of interest. You can learn more about our compensation and conflicts by visiting Additional information may be provided depending on the particular products that you are considering, and you should feel free to ask our financial professionals any questions you have. Please remember there s always the potential of losing money when you invest in securities. Before you invest in a Section 529 plan, request the plan s official statement from your HSBC Securities (USA) Inc. financial professionals and read it carefully. The official statement contains more complete information, including investment objectives, charges, expenses and risks of investing in the 529 plan, which you should consider carefully before investing. You should also consider whether your home state or your beneficiary s home state offers any state tax or other state benefits such as financial aid, scholarship funds and protection against creditors that are only available for investments in such state s 529 plan. Section 529 plans are not guaranteed by any state or federal agency. Broker-sold plans often contain sales loads and higher fees and expenses than direct-sold plans. For tax advice, consult your tax professional. To learn more, visit us.hsbc.com/investments

32 62 63 Insurance options for every stage of life As you reach new milestones in life such as marriage, the birth of a child or the purchase of a home, your HSBC Insurance Agency (USA) Inc. 25 financial professionals 24 can help you select the proper coverage. A roadmap for your future A need for: Growing Wealth Protecting Wealth Distributing Wealth Transferring Wealth Marriage Children College Retirement Leaving a legacy Life insurance can be an important component of your strategy for legacy planning, income replacement, covering estate taxes and more. Your financial professional from HSBC Insurance Agency (USA) Inc. will work with you to understand your priorities and concerns, so he or she can provide you with advice on coverage and the options most in line with your needs to help protect your wealth and your family s financial well-being. Protecting your family and your future A range of Insurance products through HSBC Insurance Agency (USA) Inc. helps keep you protected, covered and prepared as you reach new milestones in life. Possible solutions: 1 st house Children s wedding Term Life, Variable Life or Whole Life Insurance Life Insurance and Annuities Long Term Care Planning and Life Insurance Death Life Insurance A range of Insurance choices We offer a range of quality coverage choices and cost-effective solutions from leading carriers who have received top-tier ratings. We ensure you are well protected through different phases of your life, and help you decide how much and what kind of coverage aligns to your needs. To learn more, visit us.hsbc.com/investments To learn more, visit us.hsbc.com/investments