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Cross-Border Disclosures

Cross-Border Disclosures

Cross Border requirements are defined by the customers’ or prospects’ physical location at the time of their interaction with HSBC. Important information for clients maintaining assets in a country outside their primary country of residence.

Please read the following carefully as it contains important information governing any electronic communications, including attachments, between you and HSBC Group and its affiliates.

Unless specifically stated in the message you have received or otherwise indicated, you may not duplicate, redistribute or forward the message or any portion thereof, including any attachments, by any means to any other person.

Unless otherwise specifically indicated, the contents of any electronic communication (including e-mail, instant message, text messaging, etc.) and its attachments are for informational purposes only, and should not be regarded as an offer or solicitation to buy or sell a product or service.

Electronic communications are not intended for distribution to, or use by, any person or entity in any location where such distribution or use would be contrary to law or regulation, or which would subject any HSBC affiliate to any registration requirement within such location. HSBC does not waive any intellectual property rights in any electronic communication.

References to "HSBC" or "Bank" are references to any company in the HSBC group of companies. An electronic communication may relate to or be sent from other members of HSBC.

 

Applicable to all countries during international account opening:

All applications are subject to acceptance by us. The account opening process will only be completed once the application has been reviewed and accepted by HSBC in the country where the account will be opened.

Country disclosures:

Please refer to the disclosure for the country where you are currently located (even if you are a resident of and/or hold an HSBC account in a different location). Note that countries will only have a disclaimer where required and therefore your country location may not appear on this list:

Argentina

This information has been provided following your request.

Brazil

The information provided is intended for the addressee only and does not, in any manner, constitute a public offering.

Canada

Please note:

i. contracts and forms signed in Canada are not valid until accepted and approved by the United States  outside of Canada;

ii. acceptance and approval will be communicated by post (subject to the standard correspondence instructions); and

iii. any oral agreements will be conclusively binding upon written acceptance by the United States outside of Canada, a confirmation of which will be sent by post (subject to the standard correspondence instructions)

Chile

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the United States is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Mainland China

Please note: these documents and forms were sent at your own request. Once the application has been approved, the contract will only be concluded upon acceptance outside of Mainland China.

Egypt

The Bank is not licensed in Egypt. This documentation has been provided on your request and will only be concluded by acceptance of this request in the territory of the United States.

Egypt Investments

No offer, sale or delivery of such securities or other investment product, or distribution of any prospectus relating thereto, may be made in or from Egypt except in compliance with any applicable Egyptian laws and regulations. The securities may not be offered or sold in any form of general solicitation or general advertising or in a public offering in Egypt, without the prior approval of the EFSA.

Hong Kong

We HSBC Bank USA, N.A. are not an authorized institution under the Hong Kong Banking Ordinance and are therefore not subject to the supervision of the Hong Kong Monetary Authority. The information we are providing you with is provided at your request and does not constitute an advertisement or invitation by us to you to make a deposit or an invitation or offer to enter into any agreement to make a deposit.

This bank documentation/information does not constitute an offer by HSBC Bank USA, N.A. and this contract will only be concluded by acceptance of this documentation/your application in the territory of the United States.

Hong Kong Investments

The present communication is made following the addressee’s specific request without any prior solicitation with respect to the information provided in the communication. This communication is sent to the addressee for his/her information only and is not intended to be distributed to the general public at the addressee’s country of residence.

The information contained in this communication or in connection with this communication does not, and is not intended to constitute or form a part of any offer, invitation to offer or solicitation to subscribe, purchase or sell any security or other investment products or investment services, nor does it constitute or form part of any recommendation by the addresser, to subscribe, purchase or sell any security or other investment products or investment services. The information contained in this communication does also not constitute an invitation to enter into a transaction and for the avoidance of doubt, any information or documents provided in connection hereto shall not be construed as such. 

This communication is not intended to provide and should not be relied upon for tax, legal or accounting advice or investment recommendations. The addressee of this communication should consult his/her tax, legal, accounting or other advisers (as appropriate) about the content discussed and assess the relevant terms contained in this communication. The addressee should make his/her own research of the relevant terms in the material and it is up to the addressee to make a decision whether to act upon the material or not. This communication has not been reviewed, authorised or approved by the regulatory authority of the addressee’s country of residence. The addressee is not authorized to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in the addressee’s country of residence.

Indonesia

Please note that the Bank is not licensed for any financial business activities in Indonesia and, therefore, is not allowed to conduct any banking/securities business in Indonesia.  This transaction was made upon your specific request and you were not solicited to take this action.

India

Please note:

  • This communication is made upon your specific request;
  • You were not solicited with respect to the product mentioned in this communication; and
  • It is at your discretion whether to act upon it or not.

Ireland

The Bank is not licensed in Ireland and, therefore, is not allowed to conduct financial activity in Ireland. This documentation has been provided on your request and will only be concluded by acceptance of this documentation in the territory of the United States.

Israel
For Israeli customers doing securities related business with HSBC Securities (USA) Inc.  (the “Company”),  the Israel Securities Authorities permit under Section 49A to the Securities Law was issued on the basis of the Company’s declaration that it is subject to the supervision of the United States Securities and Exchange Commission (“SEC”).  In addition to being supervised by the SEC, the Company is regulated by a Self-Regulatory Organization, the Financial Industry Regulatory Authority ("FINRA").  As a registered U.S. broker dealer, the Company is subject to the rules and regulations of the Securities Exchange Act of 1934 and other rules promulgated by the SEC and FINRA. Said entity's activity is not subject to the supervision of the Israel Securities Authority. This permit does not constitute an opinion regarding the quality of the services rendered by the permit holder or the risks that such services entail. 

BrokerCheck is a free tool from FINRA that can help you research the professional background of brokers and brokerage firms as well as investment adviser firms and advisers.  You can visit BrokerCheck at: http://brokercheck.finra.org. Please also see Important Disclosures for information relating to investment and insurance products and services. 

Japan

Please note that the Bank is not licensed for any financial business activities in Japan and, therefore, is not allowed to conduct any banking/securities business in Japan.  This transaction was made upon your specific request and you were not solicited to take this action.

Kuwait

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the United States is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Lebanon

This information is provided at your request. If you are entering into a new contractual agreement, this will only be completed on acceptance by HSBC of any contractual documentation and instructions pursuant to the contract outside of the Lebanon. HSBC Bank USA, N.A. is not a financial institution licensed in the Lebanon.

Malaysia

This material is not an offering or invitation to subscribe for any securities and is provided solely as a record of a transaction that was completed outside of your jurisdiction

Mexico

This message is intended for the addressee only and does not constitute a 'public offering.'

Peru

The Bank is not under the supervision of a Peruvian regulator when providing information or marketing material on the Bank's products / services to the Customer / Prospect (even in cases where no means of public advertisement is used).

Portugal

Please note: all services and products are provided from the United States.

Qatar

Any products or services made available to you to do not constitute an offer or a recommendation and should not be considered an invitation or inducement to engage in banking or investment activity or any offer to buy or sell financial products or instruments.

Products and services made available to you are not governed by the Qatar Central Bank and all assets are booked outside of Qatar.  The contract or agreement does not come into effect until received and accepted by HSBC Bank USA, N.A.

Russia

This communication is intended for the addressee only and it does not, in any manner, constitute a public offering or advertisement.

Singapore

This communication does not constitute an offer by the Bank to make available, solicit, issue an invitation to purchase or offer for purchase any securities or offer any services in Singapore.

Sri Lanka

The bank is not licensed by the Monetary Board of the Central Bank of Sri Lanka. This information is provided at your request and does not constitute an offer or invitation to make a deposit or enter into any agreement with you.

Thailand

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in Thailand is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

Turkey

No information is provided for the purpose of offering, marketing and sale by any means of any banking services and/or capital market instruments /services in the Republic of Turkey. Therefore, this document may not be considered as an offer made or to be made to residents of the Republic of Turkey. The products and services referred to in this [document] are not products or services authorised/approved by the Banking Regulation and Supervision Agency under the Banking Law (Law No. 5411) or by the Capital Market Board under the Capital Market Law (Law No. 6362) and do not intend to serve as products /services in the Republic of Turkey. Accordingly, neither this [document] nor any other offering material related to the offering may be utilised in connection with any offering to the public within the Republic of Turkey without the prior approval of the Capital Market Board. However, pursuant to Article 15 (d) (ii) of the Decree No. 32, there is no restriction on the purchase or sale of the instrument by residents of the Republic of Turkey, provided that: they purchase or sell such  the instrument in the financial markets outside of the Republic of Turkey.

United Arab Emirates (UAE)

This information is provided at your request and does not constitute an offer or invitation by us to make a deposit or enter into any agreement with you. If you are entering into a new contractual agreement, this will only be completed on acceptance by HSBC Bank USA, N.A. of any contractual documentation outside the UAE. HSBC Bank USA, N.A is not a financial institution licensed in the UAE.

United Kingdom

The deposit is being taken by HSBC Bank USA, N.A.is a national association organized under the laws of the United States of America and whose principal place of business is 452 Fifth Avenue, New York, NY. HSBC Bank USA, N.A.'s primary federal regulator is the Office of the Comptroller of the Currency ("OCC").  HSBC Bank USA, N.A. is subject to the OCC's supervision and regulation. Additional U.S. federal regulatory authorities with jurisdiction over HSBC Bank USA, N.A. are the Federal Deposit Insurance Corporation ("FDIC"), and the Consumer Financial Protection Bureau ("CFPB").  If you have a complaint about our deposit taking business, please contact us at HSBC Bank USA, N.A., P.O. Box 2013 Buffalo, NY 14240 or by calling our International Number collect at 1-716-841-7212.  If you have a complaint which has not been resolved to your satisfaction then you may be able to refer it to the OCC or the CFPB. HSBC Bank USA, N.A. is Member of the FDIC. Depositors should note that federal law expressly limits the amount of insurance the FDIC can pay to depositors when an insured bank fails, and no representation made by any person or organization can either increase or modify that amount.  For more information about the FDIC go to https://www.fdic.gov/deposit/

HSBC Bank USA, N.A. has paid up capital and reserves which exceeds $16.2 Billion.

Mortgage Disclaimer:

This does not constitute an offer by HSBC Bank USA, N.A. and is only available for property located in the United States. Legal documents will only become effective when accepted by HSBC Bank USA, N.A in the territory of the United States where HSBC Bank USA, N.A. is registered and located.  Consumer protections available under UK regulation will not apply to this contract.

UK Tax

• If you are a UK tax resident, then the location of the bank you are borrowing from and your individual circumstances may lead to a requirement to pay up to an additional 20% withholding tax to Her Majesty’s Revenue and Customs (HMRC) in addition to any interest payments to the overseas lender for your mortgage.

• There may however be relief available from the withholding tax - you should seek advice from an independent tax adviser to ensure you understand any tax obligations and potential withholding tax relief available.

• If there is tax payable, you are responsible for paying the tax to HMRC, not the overseas lender.

• If there is a tax payable, this would make the cost of your loan higher than it appears in your loan statement/ documentation.

Venezuela

The present communication is intended to be received by the recipient only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. HSBC is not licensed under the laws of Venezuela and is, therefore, not subject to supervision of the local regulators.  None of the products and services of HSBC have been approved by or registered with the local regulator and the assets of the recipient are booked outside of Venezuela.

 


For clients located outside of the U.S. - Our products and services are not specifically directed at individuals  located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document to be signed, such document(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S.. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website available at .www.us.hsbc.com/crossborder. 

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. Lending Products are offered in the U.S. by HSBC Bank USA, N.A. 

Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc. a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.

 

 Investments, Annuity and Insurance Products:

ARE NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

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

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