HSBC Premier

HSBC, we, our, or us refers collectively to HSBC Bank USA, N.A. (including HSBC Private Bank), HSBC Securities (USA) Inc., and HSBC Insurance Agency (USA) Inc.

HSBC Private Bank is the marketing name for the private banking business. In the United States, HSBC Private Bank offers banking products services through HSBC Bank USA, N.A. ("HSBC Bank"), Member FDIC. HSBC Bank provides banking products and services. Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. ("HSBC Securities"), member NYSE/FINRA/SIPC (www.sipc.org/). In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities is an affiliate of HSBC Bank. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc. ("HSBC Insurance"), a wholly owned subsidiary of HSBC Bank. 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; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value.

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

Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website at brokercheck.finra.org.

HSBC Securities (USA) Inc. is a member of SIPC. Information regarding SIPC, including a SIPC brochure, may be obtained by contacting SIPC via www.sipc.org or by telephone (202) 371-8300. An investment in a bank deposit program insured by the Federal Deposit Insurance Corporation (FDIC) is covered by FDIC insurance (up to allowable limits), but not eligible for SIPC coverage. Please review your statement for additional information on the sweep product in your brokerage account.

Environmental, Social & Governance (ESG)

HSBC Securities (USA) Inc., HSBC Insurance Agency (USA) Inc., and HSBC Bank USA N.A. (collectively “HSBC”) does not provide recommendations or advice on any products based on Environmental, Social & Governance (“ESG”) or Sustainable Investing (“SI”) considerations except in its discretionary/advisory solution(s) specifically dedicated to ESG/SI. Additionally, HSBC reserves the right to not recommend, or trade securities based on HSBC Group’s* internal policies, including its sustainability policies. Clients can purchase ESG/SI related products on our platform on a self-directed basis. Any ESG/SI macroeconomic statements or promotional materials generated by other HSBC Group* entities may not reflect the views of HSBC. Our general ESG/SI disclosure is located at https://www.us.hsbc.com/investments/disclosures/#esg-disclosure

*HSBC Group refers to HSBC’s global affiliates.

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/video to be signed, such document(s)/video(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 US 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 us.hsbc.com/crossborder.

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver’s license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with any HSBC representative.

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 canceled or are subject to change at any time and cannot be combined with any other offer or discount.

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