HSBC Premier | HSBC

To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for a personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

¹ Investment 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 #: 0E67746. 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, offers Insurance products issued by third-party insurance carriers. Products and services may vary by state and are not available in all states. California license #: 0D36843.

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

2 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. To be eligible for Premier Deluxe Mortgages, the Premier account must be funded before the closing of the mortgage and eligibility for preferred rates will be affected if the minimum balance is not maintained. Premier Deluxe Mortgage, which has additional requirements, is available up to $5 million.

3 Discounts and loan amount depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from an HSBC Premier Checking account.

4 Interest rate may increase per the terms stated in your adjustable rate note and, for both Fixed and Adjustable Rate Premier Deluxe Mortgage options, in the event you cease to maintain a required Premier relationship with HSBC Bank USA, N.A.

5 The information about the costs and benefits of the card described is accurate as of 05/24/2013. The variable Purchase APR applies to credit card purchases and is 12.99%. The variable Balance Transfer APR applies to balance transfers and credit card checks and is 12.99%. The variable Cash APR applies to cash advances and overdrafts and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $0.50. A Cash Advance Fee of either $5 or 3%, whichever is greater, maximum $50 fee, will apply on each cash advance transaction. A Balance Transfer Fee of either $5 or 3%, whichever is greater, maximum $50 fee, will apply on each balance transfer and credit card check. There is no Annual Fee, Overdraft Transaction Fee, or Foreign Transaction Fee.

We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.

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. HSBC Premier World MasterCard^® credit cards are issued by HSBC Bank USA, N.A. HSBC Premier World MasterCard^® credit card requires an HSBC Premier relationship and is subject to credit approval.

MasterCard^® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

Equal Housing Lender.

Deposit products offered in the U.S. through HSBC Bank USA, N.A. Member FDIC.