Between HSBC Bank USA, National Association (referred to as "we", "us", "our") and the HSBC Premier customer ("you").

A.        General Terms

1)   These terms (the “HSBC Jade Terms and Conditions”) govern your HSBC Jade status.

Benefits

2)   HSBC Jade is available from HSBC Bank USA, National Association and HSBC Securities (USA) Inc. and HSBC Insurance Agency (USA) Inc. (together "HSBC") to HSBC Premier Customers and is an enhancement of your HSBC Premier service.

3)   Except as otherwise referred to in these Terms, your HSBC Premier Checking

Account will continue to be governed by the Rules for Consumer Deposit Accounts and HSBC Premier Terms & Charges Disclosure, as they may be amended, and the charges will be the charges applicable to that account.

4)   As an HSBC Jade client you have access to benefits and privileges, including 

access to selected suppliers of lifestyle services and other products and services that might be appropriate for you.  Details of the products, services and benefits which are available to you are shown in the HSBC Jade Welcome Kit which we will either provide at our welcome meeting with you or send to you. We may change, add to or withdraw any of these products, services and benefits from time to time and we will notify you as indicated in paragraph 8 below. Details are also available on request from your HSBC Jade Relationship Manager.

5)   The terms and conditions and the eligibility requirements that will apply to the products and services exclusively available to HSBC Jade will be set out or referred to in the details relating to each product or service.

6)   Lifestyle services will be delivered by carefully selected third party lifestyle service suppliers (“Lifestyle Partners”).  You will be required to agree to the terms and conditions available from those Lifestyle Partners before utilizing their lifestyle services.  HSBC is not responsible for the delivery of the lifestyle services or for any failure on the part of the Lifestyle Partners in the delivery on non-delivery of their services.

7)   We may offer HSBC Jade clients preferential fees and charges and beneficial terms and rates on products and services.  We may change these fees, charges, terms and rates from time to time and we will give you such notice as is required by the terms and conditions applicable to the products and services or which is legally required.  Details are also available on request from your HSBC Jade Relationship Manager.