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HSBC Appoints Experienced Local Banker to Manage New Georgetown, Washington, D.C. Branch

6 May 2009

Joseph Reamer to manage newly opened HSBC Bank branch in the heart of Georgetown, Washington, D.C.

Mettawa, IL - HSBC has appointed Joseph Reamer, a local banker with more than ten years finance industry experience, to manage its newly opened branch at 1715 Wisconsin Avenue, N.W., in the heart of Georgetown, Washington, D.C.

Joseph Reamer

As manager of HSBC's Georgetown branch, Reamer is responsible for seven locally employed banking professionals. Between them they are able to serve customers in French, German, Hindi, Portuguese, Punjabi, Russian, Spanish and Urdu as well as English, and offer more than 30 years combined banking experience.

From 2006 until his new appointment, Reamer successfully managed the HSBC Regional Office on Connecticut Avenue in Washington, D.C. Under his leadership the branch tripled its deposit base and became closely involved with Georgetown's large international community. Prior to joining HSBC, he was a branch manager for PNC Bank in Arlington, Virginia.

Reamer is a member of numerous community groups in Washington, D.C., including the local chamber of commerce and board of trade, as well as the Georgetown Business Association. He is also Chair of the local HSBC chapters of GLOBE (Global Learning and Observations to Benefit the Environment) and Junior Achievement.

Aimee Daniels, HSBC's Mid Atlantic Regional President, said, "Joseph's enthusiasm, dedication and in-depth knowledge of the Washington, D.C., business scene will be invaluable as we seek to grow in this market. He fully understands the importance of serving our customers locally while helping them to make the most of opportunities globally."

The 1715 Wisconsin Avenue, N.W., branch offers a full range of banking and financial services to both individuals and businesses including: mortgages, loans, wealth management 1 and insurance.

Also offered is Premier, 2 HSBC's unique global personal banking service, which provides international recognition, worldwide support, a credit card, home-financing options, single relationship manager and Global View, a unique online service which allows customers to access and manage all of their international Premier accounts in one place.

Note to editors

About HSBC Bank USA, N.A.

HSBC Bank USA, N.A. is the principal subsidiary of HSBC USA, Inc. It has has more than 470 bank branches throughout the United States, with over 380 in New York State. The Bank also operates in Florida, California, D.C., Washington, D.C. Pennsylvania, New Jersey, Delaware, Oregon, Washington, Maryland, Illinois, Connecticut and Virginia. HSBC is the principal subsidiary of HSBC USA Inc., an indirectly-held, wholly-owned subsidiary of HSBC North America Holdings Inc. HSBC USA Inc. is one of the nation's largest bank holding companies by assets. Deposits in the United States are offered by HSBC Bank USA, N.A. Member FDIC.

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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. 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. 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.

2 HSBC Premier is a premium financial management service offering a range of banking, investment and financing solutions. To qualify for HSBC Premier, you need to maintain $100,000 in combined personal deposit and investment balances. Business owners may use their commercial balances to qualify for personal Premier membership. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

HSBC Premier provides international recognition and support, international services, credit card rewards and protection around the world, and financial planning and wealth management through a single Premier Relationship Manager. With Premier Centres in 42 countries and territories, HSBC Premier breaks down banking barriers allowing customers to seamlessly bank anywhere in the world.

Within the United States, HSBC Premier Centres can be found in Los Angeles, Miami, New York City, San Francisco, Washington D.C., Westport, CT., and White Plains, NY. Additionally, there are over 250 Premier Centres worldwide.

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