HSBC Bank USA, N.A. The American Bank with International Reach

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1 HSBC Bank USA, N.A. The American Bank with International Reach

HSBC USA History Since 1865, HSBC USA has had a presence in the United States starting with our predecessor bank, Marine Midland, which was founded in Buffalo, New York to finance the shipping trade

2 HSBC USA History Since 1865, HSBC USA has had a presence in the United States starting with our predecessor bank, Marine Midland, which was founded in Buffalo, New York to finance the shipping trade along the Great Lakes. We have come a long way since 1865 from a small local bank to a leader in international banking and finance. Today, we believe that being part of a global organization strengthens HSBC USA combining the advantages of a worldwide presence and scale with local knowledge and service - that benefit our clients and their communities.

3 Focusing on Stability HSBC Bank USA, N.A. s primary source of funds has been and continues to be customer deposits. We focus on our long-term relationships with clients who have benefited from using multiple HSBC products, as these funds tend to be more stable than nonrelationship funds. HSBC USA by the numbers $188.3 Billion in assets 6,173 Employees 234 Branches 1.8 Million customers Source: HSBC USA Inc. 10-K as of 12/31/2015 Our Main Lines of Business Retail Banking and Wealth Management provides a broad range of financial products and services including residential mortgages and home equity lines of credit, deposits and branch services. Commercial Banking, a division of HSBC Bank USA, N.A., serves businesses ranging from small enterprises to large multinationals in almost 60 developed and faster-growing markets around the world. Global Banking and Markets is an international markets-led and financing-focused business that provides tailored financial solutions to major government, corporate, and institutional clients worldwide. Private Banking serving high net worth and ultra-high net worth individuals and their families, business owners, and entrepreneurs who require sophisticated solutions to help meet their most complex needs domestically and abroad.

The HSBC USA Advantage The HSBC USA strategy is focused on customers, relationships and strong retail deposits that provide long-term stability.

4 The HSBC USA Advantage The HSBC USA strategy is focused on customers, relationships and strong retail deposits that provide long-term stability. Our commitment to our customers and traditional banking principles has served us well and has made HSBC Bank USA, N.A. one of the top-15 largest commercial banks in the United States. Source: HSBC Bank USA, N.A. / HSBC North America Holdings Inc. rank of National Banks by consolidated assets according to the Federal Reserve Statistical Release as of December 31, 2015 Credit Ratings & Stability HSBC USA receives high ratings from the major credit rating agencies. A high credit rating reflects the credit worthiness of the entity, and means stability for our customers. Our credit ratings as of June, 2016 Moody s S&P Fitch HSBC USA Inc. (Long-term/senior debt) A2 A AA- HSBC Bank USA, N.A. (Long-term/senior debt) Aa3 AA- AA-

HSBC in the USA HSBC Bank USA, N.A. is a federally chartered bank that is a member bank of the Federal Deposit Insurance Corporation (FDIC). HSBC USA Inc. is a U.S. bank holding company whose principal subsidiary is HSBC Bank USA, N.

5 HSBC in the USA HSBC Bank USA, N.A. is a federally chartered bank that is a member bank of the Federal Deposit Insurance Corporation (FDIC). HSBC USA Inc. is a U.S. bank holding company whose principal subsidiary is HSBC Bank USA, N.A. Both HSBC USA Inc. and HSBC Bank USA, N.A. are wholly owned subsidiaries of HSBC Holdings plc. Our US Business in Brief Total Operating Income in 2015 for HSBC USA Inc. Our International Reach Global Statistics 6,000 offices with 255,000 employees Speaking 145 languages Serving 47M customers In 71 countries & territories Retail Banking and Wealth Management $1,109M Commercial Banking $1,145M Regional Presence Europe Asia North America Latin America MENA Global Banking and Markets $1,493M Source: HSBC USA Inc. 10-K as of 12/31/2015 Private Banking $300M HSBC Exchange Listings London Exchange Hong Kong Stock Exchange New York Stock Exchange Paris Bourse Bermuda Stock Exchange Source: HSBC USA Inc. 10-K as of 12/31/2015

6 This brochure is intended to provide a general overview of HSBC and does not provide the terms of any specific issuance of structured investments. Prior to any decision to invest in a specific structured investment, investors should carefully review the disclosure documents for such issuance which contains a detailed explanation of the terms of the issuance as well as the risks, tax treatment and other relevant information. HSBC Bank USA, N.A. and HSBC USA Inc., are members of the HSBC Group. Any member of the HSBC Group may from time to time underwrite, make a market or otherwise buy and sell, as principal, structured investments, or together with their directors, officers and employers may have either long or short positions in the structured investments, or stocks, commodities or currencies to which the structured investments are linked, or may perform or seek to perform investment banking services for those linked assets mentioned herein. Prior to investing in any debt obligation issued by HSBC USA Inc. or HSBC Bank USA, N.A., you should carefully review the related disclosure document to understand the risks related to the debt obligation and the specific issuer. This brochure discusses a number of different HSBC entities and you should fully inform yourself about the specific HSBC issuer prior to making any investment in its debt obligations. HSBC Holdings plc, HSBC North America Holdings Inc. and other affiliated entities are not liable for any of the obligations of HSBC USA Inc. or HSBC Bank USA, N.A. HSBC operates in various jurisdictions through its affiliates, including, but not limited to, HSBC Securities (USA) Inc., member of NYSE, FINRA and SIPC HSBC USA Inc. All rights reserved.

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