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cities my mind music taxes my hair my job the weather reality TV my major my life my resume my tattoo perceptions my salary my degree my allergies This kit contains: > Switch Kit Checklist > Direct Deposit Transfer Letter > Automatic Payment Transfer Letter > Account Closure Request Letter shoes my hair color history the ending What would you like to change? the future my hours plans my age hemispheres my schedule my bedtime careers my carpet parties my in-laws my furniture neighbors places the scenery my socks my ways habits seasons the news my car my zip code my curtains landlords detergents the lighting my diet trains opinions apartments speed limits channels eye color my office shoe size gas prices my shelving my carpool Your HSBC Switch Kit. Your gateway to smarter banking. pollution my hours the blinds my number my resolution my bedroom my routine my outlook APS# 342656 (Rev. 07/06)

Switch Kit Checklist Thank you for choosing to bank with HSBC. We re dedicated to ensuring that your transition is a smooth one. The five easy steps below will guide you through the process of switching accounts to us. Step 1 Step 2 Step 3 Step 4 Step 5 Get Organized In Step 1, you will: Gather all pertinent information about your existing account. Review your last few statements and note all automatic payments. (Remember to leave sufficient funds to cover any outstanding checks or pending automatic payments.) Note: keep in mind that not all automatic payments that you have previously established occur on a monthly basis. For example, insurance payments, automobile association dues and federal and state tax returns/payments can occur on irregular intervals such as bi-monthly, quarterly or even an annual basis. Move Your Direct Deposit & Automatic Payments In Step 2, you will: Prepare to move your direct deposit by completing the Direct Deposit Transfer Letter. Note: you may be asked to fill out an additional form by the party making the direct deposit. To transfer social security direct deposit, you can either call Social Security Administration at 1-800-772-1213 or go to www.ssa.gov/deposit/howtosign.htm Set up new automatic payments. You can use our Automatic Payment Transfer Letter, or consider our Personal Internet ing with Free Bill Pay as an alternative that gives you more control over your money. (If you re setting up more than one automatic payment, print or make additional copies of the Automatic Payment Transfer Letter for each automatic payment.) Close Your Old Account In Step 3, you will: Confirm all checks have cleared and all automatic payments have been made. Complete the Account Closure Request Letter and send it to your old bank. (Remember that some financial institutions may require you to fill out additional forms.) If your account is an interest-bearing account, please consider your account closing date carefully. Destroy any unused checks, ATM/debit and credit cards, and deposit slips associated with your old accounts. Start using your new HSBC account exclusively. Keep Copies For Your Records In Step 4, you will: Remember to keep a copy of all documents, letters and forms for your personal records. Transfer Other Accounts In Step 5, you will: Consider making your financial life less complicated by transferring other accounts to HSBC. Transfer your credit card balances to the HSBC MasterCard with Cash or Fly Rewards and receive our low Introductory APR for balance transfers. With all of your funds in one place, your banking will be easier. Our banking specialists will be better able to help you manage your finances and find ways to make your money work harder for you. Call us at 1-800-975-HSBC (4722), visit one of our branches or visit us online at us.hsbc.com/switch and we will be happy to assist you. We re here to help you make the switch an easy one. Thanks again for choosing HSBC.

Direct Deposit Transfer Letter Complete and sign this form for every party (i.e. employer, vendor) initializing a direct deposit to your account. Then, give this signed form, along with a voided check from your new HSBC account, to the party making the direct deposit. Establish Direct Deposit Change my existing Direct Deposit Company Company Name City State Zip Phone # Customer Name Employee ID#/Account# Social Security # City State Zip Phone # HSBC USA, N.A. Routing Routing Account Check Deposit Note: You can route your direct deposit to more than one account. 1. Account Type: 2. Account Type: HSBC Checking HSBC Savings Account : Amount $ or % (circle one) HSBC Checking HSBC Savings Account : Amount $ or % (circle one) I authorize (employer/company) to make deposits directly to my HSBC USA, N.A. account(s) indicated above, and authorize the to accept such deposits. Customer Signature Date

Automatic Payment Transfer Letter Date Name of Institution To Whom It May Concern I would like to change my payment instructions. Currently, you are debiting payment from my old bank account at: Former Name Routing : Account : As of (date), please stop debiting this account and start debiting this payment from my new account at HSBC. My new information is as follows: Current HSBC BANK USA, N.A. Routing : Account : Routing Account Check Please send me a written confirmation of the date this change will be effective on our systems. Customer s Signature Print Name Account with Payee

Account Closure Request Letter Date Name of Financial Institution To Whom It May Concern This letter is to inform you that I have decided to close the account(s) listed below as of (date). Please close the account(s) noted below and mail the balance and any interest earned to my address. Please close the account(s) noted below and wire the balance and any interest earned to my new HSBC account, also noted below. Account 1 Old Account : to HSBC USA, N.A. New Account : Old Routing : New Routing : Account 2 Old Account : to HSBC USA, N.A. New Account : Old Routing : New Routing : Account 3 Old Account : to HSBC USA, N.A. New Account : Old Routing : New Routing : Upon closure of the account(s), please send a confirmation to the address below. Sincerely, Customer s Signature Print Name Account with Payee