Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018

Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018 This disclosure applies to the Bank's consumer savings Terms & Charges Disclosure(s). The sections below are now amended to read as follows: Additional Rate Information Section - The Compounding Period and the Interest is Credited sections in the following Terms & Charges Disclosure are changed from Quarterly to Monthly. HSBC Everyday Savings ADDITIONAL RATE INFORMATION Method Used to Compute Interest Compounding Period Interest is Credited Daily Balance Monthly Monthly This method applies a daily periodic rate to the principal in the account each day. Monthly Maintenance Fee Section In the Monthly Maintenance Fee section in the following Terms & Charges Disclosure(s), the Monthly Transaction Fee(s) is replaced with Excess Withdrawal Fee. In addition, all references to monthly cycle are replaced with calendar month. HSBC Premier Savings, HSBC Advance Savings, HSBC Promotional Premier Savings MONTHLY MAINTENANCE FEE Monthly Maintenance Fee $0 Excess Withdrawal Fee $0 HSBC Everyday Savings MONTHLY MAINTENANCE FEE Monthly Maintenance Fee $5 Excess Withdrawal Fee $.75 If your Average Ledger Balance in a given calendar month is less than $500. For purposes of this disclosure, the month for qualifying deposit accounts is the calendar month prior to the assessment of the Monthly Maintenance Fee. A calendar month is defined as the period of duration from the first date of one month to the last date of the same month, and thus can be 28 (29 during a leap year), 30, or 31 days long. For example, the duration from January 1 to January 31. The Monthly Maintenance Fee will be assessed on the Business Day following the first Friday of the next calendar month unless New Year's Day falls on a Friday, then the assessment is delayed by one week. You will not be assessed a Monthly Maintenance Fee for the calendar month in which you opened your account. For each withdrawal over 3 when the Average Ledger Balance in a given calendar month is less than $1,000. Other Miscellaneous Service Fees Section The Other Miscellaneous Service Fees section in the following Terms & Charges Disclosure(s) is revised to reflect: For HSBC Premier Savings and HSBC Promotional Premier Savings, footnote 7 is added to Funds (Wire) Transfer-In and Cashier s Check DFT (Commission USD) fee descriptions and reads 7 For owners of HSBC Premier checking products in the U.S., there is no charge. For owners of HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $12 and the fee for Cashier s Check DFT (Commission USD) is Page 1 of 3 Rev. 04/21/2018

$10. If you do not own HSBC Premier checking products in the U.S., or an HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $15 and the fee for Cashier s Check DFT (Commission USD) is $12. For HSBC Advance Savings, footnote 6 is added to the Funds (Wire) Transfer-In fee description. In addition, the footnote is revised to read 6 For owners of HSBC Premier checking products in the U.S., there is no charge. If you do not own HSBC Premier checking products in the U.S., or an HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $15 and the fee for Cashier s Check DFT (Commission USD) is $12. For HSBC Everyday Savings, footnote 6 is added to the Funds (Wire) Transfer-In fee description. In addition, the footnote is revised to read: 6 For owners of HSBC Premier checking products in the U.S., there is no charge. For owners of HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $12 and the fee for Cashier s Check DFT (Commission USD) is $10. HSBC Premier Savings, HSBC Promotional Premier Savings OTHER MISCELLANEOUS SERVICE FEES subject to change without notice Funds (Wire) Transfer-In 7 $0 Per incoming transfer. Cashier s Check DFT (Commission USD) 7 $0 For each U.S. Dollar Draft or Cashier s Check purchased in U.S. dollars. 7 For owners of HSBC Premier checking products in the U.S., there is no charge. For owners of HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $12 and the fee for Cashier s Check DFT (Commission USD) is $10. If you do not own HSBC Premier checking products in the U.S., or an HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $15 and the fee for Cashier s Check DFT (Commission USD) is $12. HSBC Advance Savings OTHER MISCELLANEOUS SERVICE FEES Funds (Wire) Transfer-In 6 $12 Per incoming transfer. subject to change without notice 6 For owners of HSBC Premier checking products in the U.S., there is no charge. If you do not own HSBC Premier checking products in the U.S., or an HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $15 and the fee for Cashier s Check DFT (Commission USD) is $12. HSBC Everyday Savings OTHER MISCELLANEOUS SERVICE FEES Funds (Wire) Transfer-In 6 $15 Per incoming transfer. subject to change without notice 6 For owners of HSBC Premier checking products in the U.S., there is no charge. For owners of HSBC Advance checking product in the U.S., the fee for Funds (Wire) Transfer-In is $12 and the fee for Cashier s Check DFT (Commission USD) is $10. How Interest and APY Work Section The How Interest and APY Work section in the following Terms & Charges Disclosure(s) is revised to clarify that you will receive any accrued interest when you close your account. HSBC Premier Savings, HSBC Advance Savings, HSBC Everyday Savings, HSBC Promotional Premier Savings HOW INTEREST AND APY WORK Accrued Interest Interest begins to accrue on the business day you deposit noncash items (e.g., checks). If you close your account before interest is credited, you will receive the accrued interest. Page 2 of 3 Rev. 04/21/2018

How Deposit and Withdrawals Work Section - The How Deposit and Withdrawals Work section in the following Terms & Charges Disclosure(s) is revised to clarify the order in which transactions are posted and when your deposits are available. HSBC Premier Savings, HSBC Promotional Premier Savings HOW DEPOSITS AND WITHDRAWALS WORK The Order in Which Deposits and Withdrawals Are Processed When Your Deposits Are Available (Funds Availability 6 ) We post transactions to your account throughout the day in the order that we receive them. We subtract the amount of any deposit not currently available (refer to the Funds Availability section for more information) and subtract holds from your bank/ledger balance to determine your available balance. Cash deposit with teller or at ATM: Same calendar day the Bank receives the deposit. Funds transfers between HSBC Bank USA, N.A. accounts in the same name and Global Transfers: Same calendar day the Bank receives the deposit. Electronic Direct Deposit/Wire Transfer: Same Business Day the Bank receives the deposit. Check deposit with teller or at ATM: - The first $200 from a deposit of one or more non HSBC checks will always be made available on the first Business Day after the day of your deposit. The remainder of your deposit will be available no later than the second Business Day after the day of your deposit. - In some situations, we may notify you after your deposit is made that your funds will generally be available by the sixth Business Day after the day of your deposit. A Business Day is every day except Saturday, Sunday and Federal holidays. 6 For complete details, please consult the Rules For Consumer Deposit Accounts which includes the Funds Availability Policy and Transaction Processing Times. HSBC Advance Savings, HSBC Everyday Savings HOW DEPOSITS AND WITHDRAWALS WORK The Order in Which Deposits and Withdrawals Are Processed When Your Deposits Are Available (Funds Availability 7 ) We post transactions to your account throughout the day in the order that we receive them. We subtract the amount of any deposit not currently available (refer to the Funds Availability section for more information) and subtract holds from your bank/ledger balance to determine your available balance. Cash deposit with teller or at ATM: Same calendar day the Bank receives the deposit. Funds transfers between HSBC Bank USA, N.A. accounts in the same name and Global Transfers: Same calendar day the Bank receives the deposit. Electronic Direct Deposit/Wire Transfer: Same Business Day the Bank receives the deposit. Check deposit with teller or at ATM: - The first $200 from a deposit of one or more non HSBC checks will always be made available on the first Business Day after the day of your deposit. The remainder of your deposit will be available no later than the second Business Day after the day of your deposit. - In some situations, we may notify you after your deposit is made that your funds will generally be available by the sixth Business Day after the day of your deposit. A Business Day is every day except Saturday, Sunday and Federal holidays. 7 For complete details, please consult the Rules For Consumer Deposit Accounts which includes the Funds Availability Policy and Transaction Processing Times. All other information within your Terms & Charges Disclosure, including any prior amendments, remains in effect. Page 3 of 3 Rev. 04/21/2018

We re going to be upgrading our systems, so we can provide you with a better customer experience. PLAN AHEAD, WE RE GOING OFFLINE FRI June 8 3:30pm ET MON June 11 8:30am ET We ll temporarily be offine while we update our systems. If you have any banking needs visit a branch, log on to Personal Internet Banking, Live Chat or call us on the days leading up to the scheduled outage. Here s what you need to know. ATMs ATMs BANKING BANKING BRANCHES Withdrawals from checking accounts Deposits to checking and savings Transfers and withdrawals from savings Transfers from checking accounts Balance inquiries, mini-statements and PIN changes Domestic and International wire transfers Personal Internet Banking Mobile Banking Transfers Account update functions (i.e. address and PIN changes) Global Transfers* All branch locations will be closed Available all Starting June 8 Starting June 8 Starting June 8 Saturday, June 9 weekend 3:30pm ET 4:00pm ET 7:30pm ET We want to make sure you re relying on the most accurate information so all your banking needs are met. Balances accessed during the upgrade won t be accurate, so it s important to track your balances before and during the outage. WE RE BACK ONLINE MON June 11 8:30am WAIT 5 DAYS It can take up to 5 business days for your debit card transactions to be reflected in your available balance. The information above supersedes all addendums included as part of this notification with the exception of the Certificate of Deposit addendums. *Previously scheduled or recurring Global Transfers scheduled to process on Saturday, June 9 or Sunday, June 10, will be delivered no later than the date available indicated on your receipt.

HSBC EVERYDAY SAVINGS TERMS & CHARGES DISCLOSURE 1 The following information was correct as of 06/01/2018 Have questions or need current rate information? Call us at 800.975.HSBC (4722) It s important that you understand exactly how your HSBC Everyday Savings account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The HSBC Everyday Savings account is available to all consumers. A minimum Average Ledger Balance of $500 is required to avoid the Monthly Maintenance Fee of $5. RATE INFORMATION (For more details, see HOW INTEREST AND APY WORK section) Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) $1.00 or more.01%.01% Less than $1.00 No Interest Earned No APY Earned ADDITIONAL RATE INFORMATION Method Used to Compute Interest Compounding Period Interest is Credited Daily Balance Quarterly Quarterly This method applies a daily periodic rate to the principal in the account each day. Mar 31 Jun 30 Sept 30 Dec 31 Mar 31 Jun 30 Sept 30 Dec 31 MONTHLY MAINTENANCE FEE Monthly Maintenance Fee $5 Excess Withdrawal Fee $.75 If your Average Ledger Balance in a given monthly cycle is less than $500. For purposes of this disclosure, the monthly cycle for qualifying deposit accounts is the 30 day period immediately preceding the date the monthly maintenance fee is assessed. For each withdrawal over 3 when the Average Ledger Balance in a given monthly cycle is less than $1,000. ACCOUNT FUNDING INFORMATION AUTOMATED TELLER MACHINE (ATM) AND OTHER ELECTRONIC FUND TRANSFER (EFT) FACILITY CHARGES 2 Minimum Deposit to Open $0 When account opened by a Bank representative. Minimum Deposit to Open Online Maximum Daily Online Limit $1 Including computer self-serve account openings in a branch. $350,000 U.S. HSBC ATM Fees 3 $0 Other ATM Fees 3 $2.50 Currency Conversion on Foreign Transactions 4 Varies Maximum when funding the account or making additional daily deposits/ withdrawals with an electronic transfer to or from another financial institution. For using an HSBC Bank USA, N.A. ATM to complete any transaction in the U.S. For each withdrawal, balance inquiry or transfer using a non-hsbc ATM. (You may also be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the U.S.) When transacting in a foreign country, even in U.S. dollars, a conversion rate will be applied to determine the transaction amount on the posting date which may be different from your transaction date. Foreign Transaction Fee 5 3% The percentage of the transaction amount after conversion to U.S. dollars. Page 1 of 4 Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC Rev. 09/01/2017

HSBC EVERYDAY SAVINGS TERMS & CHARGES DISCLOSURE 1 The following information was correct as of 06/01/2018 Have questions or need current rate information? Call us at 800.975.HSBC (4722) STATEMENT SERVICES Statements Quarterly A record of your transactions is mailed or made available periodically. Copy of Item or Statement $5 For each item or statement. Statement Reconstruction $40 Per hour plus copy fees. A total reconstruction provides copies of all checks and/or statements for one or more statements. Interested Party Statement $5 For each statement sent to a third party at the customer s request. OTHER ACCOUNT RELATED FEES Account Closing $25 If your account is closed within 180 days of opening. Balance Verification Letter $20 $5 For each original letter provided verifying your deposit account(s) with us. For each additional copy. Chargeback $10 For each check or other item that you deposit that is returned to us unpaid. Legal Papers $100 Reconcilement $50 For each court order, restraining notice, levy or other legal paper that requires us to put a hold on your account or to pay out money from your account to someone else. Per hour if you cannot balance your statement and do not bring it to our attention before you received your next statement, we may charge you an hourly fee to locate the error. OTHER MISCELLANEOUS SERVICE FEES subject to change without notice Canadian Check Processed $2 Each Domestic Collection $25 Funds (Wire) Transfer-In $15 Per incoming transfer. Funds (Wire) Transfer-Out Domestic and International For collection of a check drawn against a U.S. institution instead of depositing it to your HSBC account, or when you authorize another institution to close your HSBC account. This fee is $15 if your account was opened and maintained by a branch in the State of California, Washington or Oregon. For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the time of your wire transaction. Cashier s Check DFT (Commission USD) 6 $12 For each U.S. Dollar Draft or Cashier s Check purchased in U.S. dollars. Protest Letter $20 Each. This fee is waived if your account was opened and maintained by a branch in the State of California. Special Statement $6 For each request generated outside the normal statement cycle. Page 2 of 4 Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC Rev. 09/01/2017

HSBC EVERYDAY SAVINGS TERMS & CHARGES DISCLOSURE 1 The following information was correct as of 06/01/2018 Have questions or need current rate information? Call us at 800.975.HSBC (4722) HOW INTEREST AND APY WORK Interest Rate Changes Annual Percentage Yield Accrued Interest Balance Computation Your interest rate and APY may change. We may change the interest rate, solely at our discretion, at any time. Is based on principal and interest left on deposit for a full 365 day year with interest compounded at the same interest rate. Withdrawal of interest will result in a lower Annual Percentage Yield than stated. Interest begins to accrue on the business day you deposit noncash items (e.g., checks). If you close your account before interest is credited, you will not receive the accrued interest. The Daily Balance method applies a daily periodic rate to the principal in the account each day. HOW DEPOSITS AND WITHDRAWALS WORK The Order in Which Deposits and Withdrawals Are Processed When Your Deposits Are Available (Funds Availability 7 ) Generally for savings accounts, at the end of the Business Day we will complete the following to determine your end of day bank/ledger balance: Start with the bank/ledger balance in your account. Add deposits and credits to your account. Subtract account withdrawals performed at the branch and transaction amounts that were authorized based on your available balance at the time you performed the transaction. Transactions will post in lowest to highest dollar amount. Transactions include ATM withdrawals and online transactions. Subtract all other items in lowest to highest dollar amount. Subtract fees. After completing the steps above to determine your end of day bank/ledger balance, we subtract the amount of any deposit not currently available (refer to the Funds Availability section for more information) and subtract holds from the end of day bank/ledger balance to determine your available balance. Cash deposit with teller or at ATM: Same calendar day the Bank receives the deposit. Funds transfers between HSBC Bank USA, N.A. accounts in the same name: Same calendar day the Bank receives the deposit. Electronic direct deposit/wire transfer: Same Business Day the Bank receives the deposit. Check deposit with teller or at ATM: - The first $200 from a deposit of one or more non HSBC checks will always be made available on the first Business Day after the day of your deposit. The remainder of your deposit will be available no later than the second Business Day after the day of your deposit. - In some situations, we may notify you after your deposit is made that your funds will generally be available by the sixth Business Day after the day of your deposit. A Business Day is every day except Saturday, Sunday and Federal holidays. Page 3 of 4 Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC Rev. 09/01/2017

HSBC EVERYDAY SAVINGS TERMS & CHARGES DISCLOSURE 1 The following information was correct as of 06/01/2018 Have questions or need current rate information? Call us at 800.975.HSBC (4722) 1 BANK RULES This document is part of the Rules For Consumer Deposit Accounts (the Rules ). In case of inconsistency between this document and the Rules, this document governs all inconsistencies except for those in HOW DEPOSITS AND WITHDRAWALS WORK which shall be governed by the Rules. 2 Cards referenced are issued by HSBC Bank USA, National Association ( HSBC Bank USA, N.A. ). 3 Electronic Fund Transfer (EFT) Facility Service Charges apply to your account when using your Debit Mastercard card or ATM card. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. 4 Currency Conversion on Foreign Transactions If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your Debit Mastercard card or ATM card in a currency other than U.S. dollars or effect a transaction in U.S. dollars outside the United States, Mastercard International Incorporated ( Card Association ) will convert the transaction into a U.S. dollar amount. A currency conversion will occur even if the transaction is made in U.S. dollars. Card Association will act in accordance with the operating regulations or foreign currency conversion procedures then in effect. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars for such transactions is either a government-mandated rate or a wholesale rate determined by Card Association for the processing cycle in which the transaction is processed. The currency conversion rate used by Card Association on the processing date may differ from the rate that would have been used on the transaction date or cardholder statement posting date. 5 Foreign Transaction Fee* If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your Debit Mastercard card or ATM card outside the United States, the transaction amount is further increased by a percentage established from time to time by us. *This Foreign Transaction Fee does not apply to transactions using your Jade by HSBC Premier World Debit Mastercard card or HSBC Premier World Debit Mastercard card. 6 For owners of HSBC Premier deposit products in the U.S., there is no charge. For owners of HSBC Advance deposit products in the U.S., the fee for Cashier s Check DFT (Commission USD) is $10. 7 For complete details, please consult the Rules For Consumer Deposit Accounts which includes the Funds Availability Policy. WANT MORE INFO? SEE THE RULES FOR CONSUMER DEPOSIT ACCOUNTS Page 4 of 4 Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC Rev. 09/01/2017