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† HSBC Direct deposit accounts are offered by HSBC Bank USA, N.A. Member FDIC. Deposits are insured to the maximum permitted by law.

* Special Online Savings 3.50% Annual Percentage Yield (APY) is accurate through 09/15/08. Minimum balance to open is $1.00. HSBC reserves the right to change or terminate this promotion at any time. Any change or termination will not affect existing customers who took advantage of the promotion. After promotion period interest rate and APY are variable and subject to change.

** Annual Percentage Yield (APY) for the Online Payment Account is accurate as of 07/25/2008. APY is variable and subject to change. Minimum Deposit to open and obtain interest is $1.00.

*** Annual Percentage Yield (APY) is accurate as of 07/25/2008. A penalty will be imposed for early withdrawal. Offer applies for initial term of qualifying HSBC Direct Online CDs. 6-Month HSBC Direct Online CDs: Minimum balance to open and obtain 6-Month HSBC Direct Online CDs: Minimum balance to open and obtain 3.30% APY is $5,000; 3.30% APY is $25,000. 9-Month HSBC Direct Online CDs: Minimum balance to open and obtain 3.40% APY is $5,000; 3.40% APY is $25,000. APY is variable and subject to change. This offer cannot be combined with other promotional offers and is non-transferable. Offer subject to change without notice. These balance requirements and APYs will apply only to accounts opened through HSBCdirect.com.

± National Statement Savings Average located at http://bankrate.com/brm/publ/passbk.asp?caret=2 in the Passbook/Statement Savings survey results as of 04/09/08 courtesy of Bankrate.com. HSBC Direct Online Savings Account APY is currently 9 times the national statement savings average APY.

¥ If a third party charges you to use their ATM in the U.S., HSBC will rebate up to three of these fees based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month.

Issued by HSBC Bank USA, N.A. ©2008 HSBC Bank USA, N.A. All Rights Reserved.