Welcome to HSBC Premier

1. Securities and Annuities are provided by Registered Representatives and Insurance Agents of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc.

2. HSBC Investor Money Market Funds are advised by HSBC Global Asset Management (USA) Inc., an affiliate of HSBC Bank USA, N.A. Foreside Distribution Services, L.P. the distributor is not affiliated with the adviser. Mutual fund shares available in the Money Market Funds Program Account are not deposits or obligations of, or guaranteed or endorsed by, any bank. Shares are not guaranteed or insured by the U.S. Government, the Federal Deposit Insurance Corporation or any other agency. Shares of mutual funds involve certain risks including the possible loss of principal amount invested; yields may fluctuate and are not guaranteed; and there is no assurance that the Funds will maintain a steady $1.00 per share price in the future. The Bank may be entitled to receive fees from the distributor of certain Fund shares as more fully described in the Fund prospectus. An investor should consider the fund's investment objectives, risks, and charges and expenses carefully before investing or sending money. This and other important information about the investment company can be found in the fund's prospectus. Please read the prospectus carefully before investing.

Insurance products are offered through Insurance Agents of HSBC Insurance Agency (USA) Inc., a wholly-owned subsidiary of HSBC Bank USA, N.A., an indirectly wholly-owned subsidiary of HSBC Holdings plc. Products and services may vary by state and are not available in all states.

Securities, Annuities and Insurance Products are: Not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency of the United States; Not guaranteed by the bank or any of its affiliates; and are subject to investment risk, including possible loss of principal invested.

HSBC Securities (USA) Inc. or any other member of the HSBC Group may from time to time underwrite, perform or seek to perform investment banking services for issuers or make a market or otherwise buy or sell as principal securities or other instruments, or together with the issuers directors, officers and employees may have either a long or short position in securities, commodities, currencies or other instruments or futures or options contracts convertible into securities or other instruments.

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.