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HSBC Makes Senior Appointment to Cedarhurst Branch

18 November 2011

New York, NY - HSBC Bank USA, N.A. (HSBC) has appointed Samantha Farina to a senior leadership position in its Cedarhurst, Long Island office. Effective immediately, she is promoted to the role of Vice President and Branch Manager.

Previously, Farina spent four years as Assistant Vice President, Business Banking Specialist. Her new role is focused on retaining and expanding existing client partnerships while developing additional relationships among internationally focused businesses and individuals in the Cedarhurst area.

Farina leads a team of seven in the Cedarhust branch. Among them they are able to assist customers in Spanish and Hebrew as well as English and offer over 50 years of combined banking experience. A nineteen year veteran of the banking industry herself, as part of her new leadership role Farina intends to be actively and visibly engaged with the Cedarhurst business community. She commented:

"HSBC has a long and successful history in Cedarhurst and I'm looking forward to helping locally-based internationally oriented customers make the most of their financial ambitions through our unique global perspective."

The Cedarhurst branch provides a full range of financial services to both businesses and individuals, including Premier1, HSBC's global personal banking service. Premier offers international recognition, worldwide support, wealth management2, insurance, mortgages3, Premier World MasterCard® credit card4, access to a relationship manager, and 'Global View' an online service which allows customers to monitor their worldwide HSBC accounts from one place5.

Note to editors:

HSBC Bank USA, National Association, with total assets of $195.1 billion as of 30 June 2011 (US GAAP), serves around 4 million customers through its personal financial services, commercial banking, private banking, asset management, and global banking and markets segments. It operates more than 470 bank branches throughout the United States. There are over 365 branches in New York State as well as branches in Connecticut, Washington, D.C., Florida, New Jersey, Pennsylvania, Maryland, Virginia, California, Delaware, Illinois, Oregon and Washington State. HSBC Bank USA, N.A. is the principal subsidiary of HSBC USA Inc., an indirect, wholly-owned subsidiary of HSBC North America Holdings Inc., one of the nation's largest bank holding companies by assets. HSBC Bank USA, N.A. is a member of the FDIC. Deposit products offered in U.S. by HSBC Bank USA, N.A.

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1 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 open a Premier checking account and 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.

United States persons (including U.S. citizens and residents) are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts -- including, for example, Form TD F 90-22.1 (Report of Foreign Bank and Financial Accounts ("FBAR")). U.S. persons should consult a tax adviser for more information.

Within the United States, HSBC Premier Centers can be found in Los Angeles, Miami, New York City, San Francisco, Washington, D.C., Westport, CT., and White Plains, NY. In addition to Premier Relationship Managers in branches, there are over 365 Premier Centers worldwide. For more information visit: hsbcpremierusa.com.

2 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 #: OD36843. 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.

3 Premier discounts may require Premier balances, reserves, equity and automatic payment from a Premier checking account. Premier customers will need to maintain combined personal and/or qualifying commercial deposit and investment balances of at least $100,000 USD or equivalent at HSBC (in the U.S. or home country) to be eligible for Premier Mortgages.

4 U.S. HSBC Premier World MasterCard® credit cards are issued by HSBC Bank USA, N.A. or HSBC Bank Nevada, N.A. require a Premier relationship and are subject to credit approval.

5 Global View is not available in all countries.

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