HSBC Share the Experience

Current HSBC Customer: This offer is only valid for customers with an HSBC Premier account in the United States (“Eligible Account”) who have access to HSBC Personal Internet Banking (“PIB”). Offer valid from October 24, 2022 through and including April 30, 2023 (“Offer Period”). Employees, officers, directors, agents or representatives of HSBC and/or Household Members of such person, including any joint account owners, are not eligible. “Household Members” shall mean those people who share the same residence. You will receive a $300 referral bonus (“Referral Bonus”) to your Eligible Account for each referral who opens a new HSBC Premier checking account (“New Account”), limited to 20 Referral Bonuses per calendar year up to $6,000. Refer to PIB for your personalized referral code. The New Account must be opened in a U.S. HSBC Wealth Center, over the phone, or online at us.hsbc.com/refer. Your Eligible Account must be open and in good standing at time of Referral Bonus fulfillment. Your Referral Bonus will be deposited to your Eligible Account within 8 weeks of your referral’s New Account opening. The referral’s New Account must remain open for at least 21 calendar days. Referred customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer. The individual you refer must provide your personalized referral code at account opening for you to qualify to receive the Referral Bonus.

New Customer: This offer is only valid for a new HSBC Premier checking account (“New Account”) opened during the Offer Period in a U.S. HSBC Wealth Center, through HSBC’s customer service line 800.975.4722 (HSBC), or online at us.hsbc.com/refer, during which a valid personalized referral code is provided by the new customer. You must be at least 18 years of age, have a Social Security Number, have a U.S. mobile number, currently have a U.S. residential address and have had U.S. residency for the past one year to apply for a deposit account online. Referred customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer. The New Account must meet Qualifying Balance requirements below and must be in New Money. New Money is defined as deposits or investments not previously held by any member of the HSBC Group in the U.S. For purposes of determining whether you have maintained the Qualifying Balance for this offer, the New Money balance will be reviewed at the end of the 6 full calendar months from account opening period. References to establishing and maintaining an investment balance/account is not intended to be a recommendation, as defined by the US Securities and Exchange Commission. For individualized tailored recommendations, including establishing and maintaining an investment balance/account, based on your needs or objectives, please contact us for more information. Consumer accounts/assets that are ineligible for New Money Balances: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans;

UTMA and UGMA; commercial accounts; and revocable or irrevocable trust accounts. If all offer requirements are met, the New Account bonus will be deposited to the New Account within 8 weeks from the date the New Account is fully qualified. The New Account bonus is $500 for a New Account with Qualifying Balances of $75,000.00-$499,999.99 in deposit and/or eligible investment accounts OR $1,000 for a New Account with Qualifying Balances of $500,000 or more in deposit and/or eligible investment accounts. The New Account must be in good standing at time of gift fulfillment. Limit one New Account Bonus per new customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes. A customer can use only one referral code at the time of account opening. Eligible customers who take advantage of this offer cannot receive any other New Consumer Deposit Offer provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities.

To qualify for the HSBC Share The Experience New Account bonus, the New Account (1) meet Qualifying Balance (listed above) in deposit and/or eligible investment accounts within 30 calendar days of account opening and (2) maintain the Qualifying Balance for 6 full calendar months after account opening. The date of account opening is considered day one for these purposes.

1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain:

• Balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR
• Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
• HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages. Home Equity products are not included.
• Consumers who maintain Jade status.

A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

2 Global View and Global Transfers are only available for HSBC Premier and existing 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.

Terms of Use: By using the personalized referral code to refer someone or open an account, each party waives all rights of privacy and confidentiality that each party may have with respect to the fact that each party is aware that the other may be a customer of HSBC Bank USA, N.A. (“HSBC”) or its affiliates, and each party releases and relieves HSBC and its employees and agents from any and all liability in this respect. For both you and the individual who referred you, the bonus deposit(s) to your qualifying Eligible Account will be reported on the applicable IRS form. You and the individual who referred you may be responsible for any tax resulting from the bonus. Please consult your tax advisor if you have questions about the tax treatment of the bonus. Note: Estate and Trust accounts are ineligible to make referrals or be referred under this offer.

This Offer Terms and Conditions is current as of October 24, 2022. All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time. Please call HSBC’s customer service line 800.975.4722 (HSBC) or visit your local HSBC Wealth Center for detailed and up-to-date information. Retain for your records.

*Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

Mortgage and home 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. 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.