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 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 at www.us.hsbc.com/crossborder.
1 Participation in HSBC Jade is available to holders of an HSBC Premier Checking Account who have maintained qualifying Personal Cash Accounts and Personal Investment‡ Assets (excluding Retirement Accounts and Assets) in the United States which in aggregate and calculated as an average over each calendar month are equal to at least $1,000,000 (One million U.S. dollars) for a period of at least 1 calendar month (a “Qualifying Balance”) immediately prior to HSBC Premier Account Holders becoming HSBC Jade clients. As a HSBC Jade client, if you are no longer able to meet the HSBC Jade criteria, your access to all its benefits will be removed. See the HSBC Jade Terms and Conditions for full details.
2 HSBC Jade clients will enter into a direct agreement with Ten Lifestyle Group PLC (“Ten”) under which Ten Lifestyle Group PLC and its affiliates will deliver lifestyle services available under the HSBC Jade Concierge Service. HSBC will not be a party to that agreement and will not be responsible for the delivery of the lifestyle services.
3 Financial professional refers to Financial Consultants (FCs), Investment Counselors (ICs), and High Net Worth Relationship Managers (HNWRMs). FCs, ICs, and HNWRMs focus on a full suite of High Net Worth, Jade, Premier and Advance products and services. All offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, are offered through HSBC Securities (USA) Inc. and traditional insurance products are offered through HSBC Insurance Agency (USA) Inc.
4 Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.
5 Use of the Lounge access or Offer is not transferable, and Customers may only use the Lounge access or Offer until either the expiry date shown on the Website and/or App, or until the expiry of the Offer as stated in the Offer terms. The Lounge access or Offer may not be used by any person other than the eligible Customer and their permitted guests. For more information access https://airport.mastercard.com/en/terms-of-use.
6 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application.
7 Portable HSBC credit history is not available in all countries.
8 Global View and Global Transfers are only available for HSBC Premier (which includes HSBC Jade) and HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.
9 HSBC Global Money Account is a prepaid, multi-currency account available on our Mobile Banking App4 for customers who maintain an HSBC consumer deposit account.
10 HSBC refers to HSBC Bank USA, N.A., HSBC Securities (USA) Inc., and HSBC Insurance Agency (USA) Inc.
HSBC Bank USA, N.A. provides banking products and services. HSBC Private Banking is the marketing name for the private banking business conducted by the principal private banking subsidiaries of the HSBC Group worldwide. In the United States, HSBC Private Banking offers banking services through HSBC Bank USA, N.A. HSBC Securities (USA) Inc. provides investment products and services and is an affiliate of HSBC Bank USA, N.A. HSBC Insurance Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of HSBC Bank USA, N.A.
11HSBC Bank USA, N.A. and/or its affiliates (HSBC) offers these podcasts and the opinions expressed therein are for educational purposes only and they should not be considered professional or investment advice. For a comprehensive review of your personal finances, always consult with a tax or legal advisor. Neither HSBC, nor any of its representatives may give legal or tax advice. Use of the presentation materials, including audio recording of a presentation, is strictly prohibited.
12 The HSBC Premier Savings account is available to customers with an HSBC Premier checking account in the United States.
HSBC Jade concierge service is delivered by Ten Lifestyle Group Plc (Ten), Fitzroy House, 355 Euston Road, London NW1 3AL. HSBC is not responsible for the delivery of, or for any failure to deliver, the concierge services. Calls to the concierge service are charged at a local rate. Charges for the products or services provided will be notified at the time of booking. Calls may be recorded. Your contact details are held with your permission so that you can access the service. Ten is committed to your privacy. Please visit the website for Ten’s full terms of service and privacy statement.
Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. 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.
United States persons 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. U.S. persons should consult a tax adviser for more information.
HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and may require a U.S. HSBC checking account relationship. To learn more, speak with any HSBC Branch Representative.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
* Investment and certain insurance products, including annuities, 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 provided by unaffiliated third parties and offered through 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.
Investment, Annuity and Insurance Products: