HSBC PROMOTIONAL ADVANCE SAVINGS. TERMS & CHARGES DISCLOSURE 1 and EFT FACILITY CHARGES

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1 HSBC PROMOTIONAL ADVANCE SAVINGS The following information was correct as of 05/11/2015 Have questions or need current rate information? Call us at It s important that you understand exactly how your HSBC Promotional Advance Savings account works. We ve created this summary to explain the fees and some key terms of your account. The HSBC Promotional Advance Savings account is available from May 11, 2015 through and including July 3, This account must be funded with New Money. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. Charges and fees may reduce earnings. There is no minimum balance requirement to obtain the APY. The interest rate and APY are accurate through January 19, On January 20, 2016, this account will automatically convert to HSBC Advance Savings which is a variable rate account and subject to the HSBC Advance Savings Terms & Charges Disclosure and EFT Facility Charges. ELIGIBILITY This account is available only to customers with an HSBC Premier or HSBC Advance account in the United States. The HSBC Advance account is available to consumers who have a US personal related combined deposit and investment balance of at least $10,000. HSBC Advance is also available to any consumer who is a qualifying principal with a US commercial related combined deposit and investment balance of at least $10,000. RATE (For more details, see HOW INTEREST AND APY WORK section) Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) $75,000 or more 1.49% 1.50% $50,000 or more but less than $75, % 1.50% $15,000 or more but less than $50, % 1.50% Less than $15, % 1.50% ADDITIONAL RATE Method Used to Compute Interest Compounding Period Interest is Credited Daily Balance This method applies a daily periodic rate to the principal in the account each day. MONTHLY MAINTENANCE FEE Maintenance Fee $0 Transaction Fee(s) $0 Minimum Deposit to Open $0 When account opened by a bank representative. Minimum Deposit to Open Online $1 Including computer self-serve account openings in a branch. ACCOUNT FUNDING Maximum Daily Online Limit $350,000 Maximum Account Balance $2,000,000 Maximum when funding the account or making additional daily deposits/withdrawals with an electronic transfer to or from another financial institution. The Bank reserves the right, with notice, to transfer to any other HSBC deposit account you have, the amount of any transaction, excluding interest that causes your HSBC Advance Savings account (s) to exceed an aggregate balance of $2,000,000. The Bank, in its sole discretion, also reserves the right to return such amounts to you in an official bank draft. Page 1 of 4 Rev. 05/11/2015:

2 HSBC PROMOTIONAL ADVANCE SAVINGS AUTOMATED TELLER MACHINE (ATM) AND OTHER ELECTRONIC FUNDS TRANSFER (EFT) FACILITY CHARGES 2 US HSBC ATM Fees 3 $0 Other ATM Fees 3 $2.00 Retail Locations Accepting ATM Cards for Purchases Currency Conversion on Foreign Transactions 4 $.25 Varies Foreign Transaction Fee 5 3% For using an HSBC Bank USA, N.A. ATM to complete any transaction in the US. For each withdrawal, balance inquiry or transfer using a non-hsbc ATM. You may also be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the US. For each purchase transaction or balance inquiry when using your ATM card. This fee is waived if your account was opened and maintained by a branch in the State of California. When transacting in a foreign country, even in US dollars, a conversion rate will be applied to determine the transaction amount on the posting date which may be different from your transaction date. The percentage of the transaction amount after conversion to US dollars. Statements A record of your transactions are mailed or made available periodically. STATEMENT SERVICES Copy of Item or Statement $5 For each item or statement. Statement Reconstruction $40 Per hour plus fees. A total reconstruction provides copies of all checks and/or statements for one or more statements. Interested Party Statement $5 For each statement sent to a third party at the customer s request. Account Closing $25 If your account is closed within 180 days of opening. Balance Verification Letter $20 For each original letter provided verifying your deposit account(s) with us. $5 For each additional copy. OTHER ACCOUNT RELATED FEES Chargeback $10 Legal Papers $100 Reconcilement $50 For each check or other item that you deposit that is returned to us unpaid. For each court order, restraining notice, levy or other legal paper that requires us to put a hold on your account or to pay out money from your account to someone else. Per hour if you cannot balance your statement and do not bring it to our attention before you received your next statement. We may charge you an hourly fee to locate the error. Page 2 of 4 Rev. 05/11/2015:

3 HSBC PROMOTIONAL ADVANCE SAVINGS Canadian Check Processed $2 Each Domestic Collection $25 For collection of a check drawn against a US institution instead of depositing it to your HSBC account, or when you authorize another institution to close your HSBC account. OTHER MISCELLANEOUS SERVICE FEES subject to change without notice Funds (Wire) Transfer-In $12 Per incoming transfer. Funds (Wire) Transfer-Out Domestic and International For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the time of your wire transaction. Foreign Currency Draft 6 $25 For each official bank check purchased in foreign currency. (DD Commission) US Dollar Draft - DFT (Commission USD) 6 $10 For each official bank check purchased in US currency. Protest Letter $20 Each Special Statement $6 For each request generated outside the normal statement cycle. HOW INTEREST AND APY WORK Interest Rate Changes Annual Percentage Yield Accrued Interest Balance Computation Your interest rate and APY may change. We may change the interest rate, solely at our discretion, at any time. Is based on principal and interest left on deposit for a full 365 day year with interest compounded at the same interest rate. Withdrawal of interest will result in a lower Annual Percentage Yield than stated. Interest begins to accrue on the business day you deposit noncash items (e.g., checks). If you close your account before interest is credited, you will not receive the accrued interest. The Daily Balance method applies a daily periodic rate to the principal in the account each day. HOW DEPOSITS AND WITHDRAWALS WORK The Order in Which Deposits and Withdrawals Are Processed When Your Deposits Are Available (Funds Availability 7 ) Generally, for each Business Day we will: First: add deposits and credits to your account. Second: subtract from available balance account withdrawals performed at the branch from lowest to highest dollar amount. Third: subtract from available balance transaction amounts that are authorized based on your available balance at the time you performed the transaction in lowest to highest dollar amount. Transactions include everyday debit card transactions, ATM withdrawals, and online transactions. (Note: The amount authorized for debit card transactions might vary from the actual amount of the transaction that posts to your account at settlement.) Fourth: subtract all other items in lowest to highest dollar amount. Cash deposit with teller or at ATM: Same calendar day the Bank receives the deposit. Funds transfers between HSBC Bank USA, N.A. accounts in the same name: Same calendar day the Bank receives the deposit. Electronic direct deposit/wire transfer: Same Business Day the Bank receives the deposit. Check deposit with teller or at ATM: - Cash withdrawals of the full deposit amount may not be available until the third Business Day after the day of your deposit. The first $200 from a deposit of one or more non HSBC checks will always be made available on the first Business Day after the day of your deposit. The remainder of your deposit will be available for paying items no later than the second Business Day after the day of your deposit. - In some situations, we may notify you after your deposit is made that your funds will generally be available by the sixth Business Day after the day of your deposit. Business Day is every day except Saturday, Sunday and Federal holidays. Page 3 of 4 Rev. 05/11/2015:

4 HSBC PROMOTIONAL ADVANCE SAVINGS 1 - BANK RULES - This document is part of the Rules for Consumer Deposit Accounts (the "Rules"). In case of inconsistency between this document and the Rules, this document governs all inconsistencies except for those in "HOW DEPOSITS AND WITHDRAWALS WORK" which shall be governed by the Rules. 2 - Cards referenced are issued by HSBC Bank USA, National Association ( HSBC Bank USA, N.A. ). 3 - Electronic Funds Transfer (EFT) Facility Service Charges apply to your account when using your Debit MasterCard card, MasterCard credit card, Visa credit card or ATM card. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. 4 - Currency Conversion on Foreign Transactions If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your Debit MasterCard card, ATM card, MasterCard credit card, or Visa credit card in a currency other than US dollars or effect a transaction in US dollars outside the United States, MasterCard International Incorporated or Visa International as applicable ("Card Association") will convert the transaction into a US dollar amount. A currency conversion will occur even if the transaction is made in US dollars. Card Associations will act in accordance with the operating regulations or foreign currency conversion procedures then in effect. Currently the currency conversion rate used to determine the transaction amount in US dollars for such transactions is either a government-mandated rate or a wholesale rate determined by Card Associations for the processing cycle in which the transaction is processed. The currency conversion rate used by Card Associations on the processing date may differ from the rate that would have been used on the transaction date or cardholder statement posting date. 5 - Foreign Transaction Fee* If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your Debit MasterCard card, ATM card, MasterCard credit card or Visa credit card outside the United States, the transaction amount is further increased by a percentage established from time to time by us. * This Foreign Transaction Fee does not apply to transactions using your HSBC Premier World MasterCard card or Premier Debit MasterCard card. 6 - For owners of HSBC Premier deposit products in the US, there is no charge. 7 - For complete details, please consult the Rules for Consumer Deposit Accounts which includes the Funds Availability Policy. WANT MORE INFO? SEE THE RULES FOR CONSUMER DEPOSIT ACCOUNTS Page 4 of 4 Rev. 05/11/2015:

5 On January 20, 2016, this HSBC Promotional Advance Savings account will automatically convert to HSBC Advance Savings which is a variable rate account and subject to the HSBC Advance Savings Terms & Charges Disclosure and EFT Facility Charges shown below.

6 HSBC ADVANCE SAVINGS The following information was correct as of 07/10/2015 Have questions or need current rate information? Call us at It s important that you understand exactly how your HSBC Advance Savings account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY This account is available only to customers with an HSBC Premier or HSBC Advance account in the United States. The HSBC Advance account is available to consumers who have a US personal related combined deposit and investment balance of at least $10,000. HSBC Advance is also available to any consumer who is a qualifying principal with a US commercial related combined deposit and investment balance of at least $10,000. If customer no longer maintains an HSBC Premier or HSBC Advance account, the Bank reserves the right, with notice, to convert the HSBC Advance Savings account to an HSBC Everyday Savings account, subject to the appropriate Terms and Charges Disclosure. RATE (For more details, see HOW INTEREST AND APY WORK section) Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) $75,000 or more.05%.05% $50,000 or more but less than $75,000.05%.05% $15,000 or more but less than $50,000.05%.05% Less than $15,000.01%.01% ADDITIONAL RATE Method Used to Compute Interest Compounding Period Interest is Credited Daily Balance This method applies a daily periodic rate to the principal in the account each day. MONTHLY MAINTENANCE FEE Maintenance Fee $0 Transaction Fee(s) $0 Minimum Deposit to Open $0 When account opened by a bank representative. Minimum Deposit to Open Online N/A Including computer self-serve account openings in a branch. ACCOUNT FUNDING Maximum Daily Online Limit $350,000 Maximum Account Balance $2,000,000 Maximum when funding the account or making additional daily deposits/withdrawals with an electronic transfer to or from another financial institution. The Bank reserves the right, with notice, to transfer to any other HSBC deposit account you have, the amount of any transaction, excluding interest that causes your HSBC Advance Savings account (s) to exceed an aggregate balance of $2,000,000. The Bank, in its sole discretion, also reserves the right to return such amounts to you in an official bank draft. Page 1 of 4 Rev. 11/22/2014:

7 HSBC ADVANCE SAVINGS US HSBC ATM Fees 3 $0 The following information was correct as of 07/10/2015 Have questions or need current rate information? Call us at For using an HSBC Bank USA, N.A. ATM to complete any transaction in the US. AUTOMATED TELLER MACHINE (ATM) AND OTHER ELECTRONIC FUNDS TRANSFER (EFT) FACILITY CHARGES 2 Other ATM Fees 3 $2.00 Retail Locations Accepting ATM Cards for Purchases Currency Conversion on Foreign Transactions 4 $.25 Varies Foreign Transaction Fee 5 3% For each withdrawal, balance inquiry or transfer using a non-hsbc ATM. You may also be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the US. For each purchase transaction or balance inquiry when using your ATM card. This fee is waived if your account was opened and maintained by a branch in the State of California. When transacting in a foreign country, even in US dollars, a conversion rate will be applied to determine the transaction amount on the posting date which may be different from your transaction date. The percentage of the transaction amount after conversion to US dollars. Statements A record of your transactions are mailed or made available periodically. STATEMENT SERVICES Copy of Item or Statement $5 For each item or statement. Statement Reconstruction $40 Per hour plus fees. A total reconstruction provides copies of all checks and/or statements for one or more statements. Interested Party Statement $5 For each statement sent to a third party at the customer s request. Account Closing $25 If your account is closed within 180 days of opening. Balance Verification Letter $20 For each original letter provided verifying your deposit account(s) with us. $5 For each additional copy. OTHER ACCOUNT RELATED FEES Chargeback $10 Legal Papers $100 Reconcilement $50 For each check or other item that you deposit that is returned to us unpaid. For each court order, restraining notice, levy or other legal paper that requires us to put a hold on your account or to pay out money from your account to someone else. Per hour if you cannot balance your statement and do not bring it to our attention before you received your next statement. We may charge you an hourly fee to locate the error. Page 2 of 4 Rev. 11/22/2014:

8 HSBC ADVANCE SAVINGS The following information was correct as of 07/10/2015 Have questions or need current rate information? Call us at Canadian Check Processed $2 Each Domestic Collection $25 For collection of a check drawn against a US institution instead of depositing it to your HSBC account, or when you authorize another institution to close your HSBC account. OTHER MISCELLANEOUS SERVICE FEES subject to change without notice Funds (Wire) Transfer-In $12 Per incoming transfer. Funds (Wire) Transfer-Out Domestic and International For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the time of your wire transaction. Foreign Currency Draft 6 $25 For each official bank check purchased in foreign currency. (DD Commission) US Dollar Draft - DFT (Commission USD) 6 $10 For each official bank check purchased in US currency. Protest Letter $20 Each Special Statement $6 For each request generated outside the normal statement cycle. HOW INTEREST AND APY WORK Interest Rate Changes Annual Percentage Yield Accrued Interest Balance Computation Your interest rate and APY may change. We may change the interest rate, solely at our discretion, at any time. Is based on principal and interest left on deposit for a full 365 day year with interest compounded at the same interest rate. Withdrawal of interest will result in a lower Annual Percentage Yield than stated. Interest begins to accrue on the business day you deposit noncash items (e.g., checks). If you close your account before interest is credited, you will not receive the accrued interest. The Daily Balance method applies a daily periodic rate to the principal in the account each day. HOW DEPOSITS AND WITHDRAWALS WORK The Order in Which Deposits and Withdrawals Are Processed When Your Deposits Are Available (Funds Availability 7 ) Generally, for each Business Day we will: First: add deposits and credits to your account. Second: subtract from available balance account withdrawals performed at the branch from lowest to highest dollar amount. Third: subtract from available balance transaction amounts that are authorized based on your available balance at the time you performed the transaction in lowest to highest dollar amount. Transactions include everyday debit card transactions, ATM withdrawals, and online transactions. (Note: The amount authorized for debit card transactions might vary from the actual amount of the transaction that posts to your account at settlement.) Fourth: subtract all other items in lowest to highest dollar amount. Cash deposit with teller or at ATM: Same calendar day the Bank receives the deposit. Funds transfers between HSBC Bank USA, N.A. accounts in the same name: Same calendar day the Bank receives the deposit. Electronic direct deposit/wire transfer: Same Business Day the Bank receives the deposit. Check deposit with teller or at ATM: - Cash withdrawals of the full deposit amount may not be available until the third Business Day after the day of your deposit. The first $200 from a deposit of one or more non HSBC checks will always be made available on the first Business Day after the day of your deposit. The remainder of your deposit will be available for paying items no later than the second Business Day after the day of your deposit. - In some situations, we may notify you after your deposit is made that your funds will generally be available by the sixth Business Day after the day of your deposit. Business Day is every day except Saturday, Sunday and Federal holidays. Page 3 of 4 Rev. 11/22/2014:

9 HSBC ADVANCE SAVINGS The following information was correct as of 07/10/2015 Have questions or need current rate information? Call us at BANK RULES - This document is part of the Rules for Deposit Accounts (the "Rules"). In case of inconsistency between this document and the Rules, this document governs all inconsistencies except for those in "HOW DEPOSITS AND WITHDRAWALS WORK" which shall be governed by the Rules Cards referenced are issued by HSBC Bank USA, National Association ( HSBC Bank USA, N.A. ). Electronic Funds Transfer (EFT) Facility Service Charges apply to your account when using your Debit MasterCard card, MasterCard credit card, Visa credit card or ATM card. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. 4 - Currency Conversion on Foreign Transactions If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your Debit MasterCard card, ATM card, MasterCard credit card, or Visa credit card in a currency other than US dollars or effect a transaction in US dollars outside the United States, MasterCard International Incorporated or Visa International as applicable ("Card Association") will convert the transaction into a US dollar amount. A currency conversion will occur even if the transaction is made in US dollars. Card Associations will act in accordance with the operating regulations or foreign currency conversion procedures then in effect. Currently the currency conversion rate used to determine the transaction amount in US dollars for such transactions is either a government-mandated rate or a wholesale rate determined by Card Associations for the processing cycle in which the transaction is processed. The currency conversion rate used by Card Associations on the processing date may differ from the rate that would have been used on the transaction date or cardholder statement posting date. 5 - Foreign Transaction Fee* If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your Debit MasterCard card, ATM card, MasterCard credit card or Visa credit card outside the United States, the transaction amount is further increased by a percentage established from time to time by us. * This Foreign Transaction Fee does not apply to transactions using your HSBC Premier World MasterCard card or Premier Debit MasterCard card. 6 - For owners of HSBC Premier deposit products in the US, there is no charge. 7 - For complete details, please consult the Rules for Deposit Accounts which includes the Funds Availability Policy. WANT MORE INFO? SEE THE RULES FOR DEPOSIT ACCOUNTS Page 4 of 4 Rev. 11/22/2014:

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