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The Home Depot has reported a breach of its payment data systems, which could potentially impact customers at its U.S.and Canadian stores. For further information regarding this data breach please visit The Home Depot website at www.homedepot.com

As always, we are closely monitoring HSBC accounts for unusual activity and will contact you as appropriate. We strongly encourage you to monitor your transactions and notify us immediately if you see anything suspicious.

HSBC Bank USA, N.A. And Affiliates Lower Prime and Reference Rate

22 January 2008

New York -- HSBC Bank USA, N.A. and its affiliates announced that they lowered their prime and reference rate to 6.50% from 7.25% effective today, Tuesday, January 22, 2008.

About HSBC Bank USA, N.A.

HSBC Bank has more than 460 bank branches throughout the United States, with about 380 in New York state and a growing network of branches in New Jersey, Florida and California. The bank also has branches in Delaware, Washington, D.C., Washington state, Pennsylvania, and Oregon. It is the principal subsidiary of HSBC USA inc., an indirectly-held, wholly-owned subsidiary of HSBC North America Holdings Inc. HSBC USA Inc., one of the nation's 10 largest bank holding companies by assets.

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