Defining, planning and preserving your wealth

Products and Services

We invite you to consider our full suite of wealth management products and services:

• The HSBC Investor Funds offer investors the opportunity to participate in diversified money market, equity, and emerging markets funds managed by some of the country's leading mutual fund managers, including HSBC Global Asset Management (USA) Inc.³
• HSBC World Selection Funds offer four distinct portfolios that include a blend of proprietary and third-party funds at a minimum investment of only $1,000.⁴
• HSBC World Selection Spectrum Account⁵ that offers a diverse range of asset allocation models. Features include an automated assessment of accounts for rebalancing, and a choice of pre-screened proprietary and third party mutual funds and ETF's.
• Managed Portfolio Accounts that offer personal portfolio and investment management services using an investment strategy customized to your particular needs.⁵
• An array of mutual funds, ranging from money market funds to international equity funds³.
• Fixed Income⁶ and other traditional investment products
• Insurance products including whole and term life insurance, long-term care, disability and annuities.¹
• Investor CDs.⁷
• Retirement and education strategies.⁸
• Financial advice for business owners.

Read Our Exclusive Global Survey on The Future of Retirement

50,000 individuals. 25+ countries. The world's largest survey of its kind.

HSBC's global presence and expertise feed into the fifth installment of our exclusive annual survey - The Future of Retirement: It's time to prepare. Gain insight into retirement preparation from consumers, business owners, and experts from around the world. This year's survey focuses on issues such as:

• How the "Population Mega-trend" is impacting retirement planning
• How demographic challenges impact pension reform
• Creating conditions for retirement planning
• How the broader economy is affecting family economics

IMPORTANT REGULATORY DISCLOSURES

1. Securities and Annuity products are provided by Registered Representatives and Insurance Agents of HSBC Securities (USA) Inc., member NYSE/ FINRA/ SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc. In California, HSBC Securities (USA) Inc., conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. Insurance products are offered through Insurance Agents of HSBC Insurance Agency (USA) Inc., a wholly-owned subsidiary of HSBC Bank USA, N.A., and an indirectly wholly-owned subsidiary of HSBC Holdings plc. Products and services may vary by state and are not available in all states. California license #: 0D36843. Securities, Annuity 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 subject to investment risk, including possible loss of principal invested.

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

Securities, Annuity and Insurance Products are:

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.

2. Asset Allocation is a method of diversification which positions assets among major investment categories. This tool may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss. It also cannot eliminate the risk of fluctuating prices and uncertain returns.

3. Mutual funds, money market funds, and Exchange Traded Funds 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 Advisor or call 800-662-3343. Read it carefully before you invest.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.

4. HSBC Global Asset Management (USA) Inc. is the investment adviser for the HSBC World Selection Funds. Foreside Distribution Services, L.P., a member of the Financial Industry Regulatory Authority ("FINRA"), serves as the distributor of the Funds' shares.

5. HSBC Global Asset Management (USA) Inc. is the sponsor of the Managed Portfolio Account and the HSBC World Selection Spectrum Account.

6. Fixed income products are subject generally to interest rate, credit, liquidity and market risks, to varying degrees.

7. All CDs (including market-linked CDs, when held to maturity) are FDIC insured together with all other deposits you may have with the issuing bank, up to the current maximum amount of $250,000 per depositor. For further guidance on FDIC insurance coverage, please visit www.FDIC.gov.

8. Sales tax treatment of 529 Plans varies from state to state and can be a major factor in deciding which plan to select. Broker-sold plans often contain sales loads and higher fees and expenses than direct-sold plans.