Cross-Border Disclosures

Cross Border requirements are defined by the customers’ or prospects’ physical location at the time of their interaction with HSBC. Important information for clients maintaining assets in a country outside their primary country of residence.

Please read the following carefully as it contains important information governing any electronic communications, including attachments, between you and HSBC Group and its affiliates.

Unless specifically stated in the message you have received or otherwise indicated, you may not duplicate, redistribute or forward the message or any portion thereof, including any attachments, by any means to any other person.

Unless otherwise specifically indicated, the contents of any electronic communication (including e-mail, instant message, text messaging, etc.) and its attachments are for informational purposes only, and should not be regarded as an offer or solicitation to buy or sell a product or service.

Electronic communications are not intended for distribution to, or use by, any person or entity in any location where such distribution or use would be contrary to law or regulation, or which would subject any HSBC affiliate to any registration requirement within such location. HSBC does not waive any intellectual property rights in any electronic communication.

References to "HSBC" or "Bank" are references to any company in the HSBC group of companies. An electronic communication may relate to or be sent from other members of HSBC.

All applications are subject to acceptance by us. The account opening process will only be completed once the application has been reviewed and accepted by HSBC in the country where the account will be opened.

Please refer to the disclosure for the country where you are currently located (even if you are a resident of and/or hold an HSBC account in a different location). Note that countries will only have a disclaimer where required and therefore your country location may not appear on this list:

This information has been provided following your request.

This information is provided to you for your information only and is not intended to be distributed to the general public in your country of residence. You note, acknowledge and understand that the addresser established in [the addresser’s country of residence] is not licensed under the laws of your country of residence and therefore is not subject to supervision or regulation by the local regulator in your country of residence. None of the products and services of the addresser have been approved by, or registered with, the local regulator.

When providing Contractual Documents:

HSBC Bank USA, N.A. licensed in the USA hereby confirms that it is not licensed, supervised or regulated by the Central Bank of Bahrain nor are any of its products and/or services approved or registered with the Central Bank of Bahrain. Any and all services to be provided by HSBC Bank USA, N.A. shall be provided outside of Bahrain.

The information is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in HSBC Bank USA, N.A. is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Please note:

i. contracts and forms signed in Canada are not valid until accepted and approved by the United States outside of Canada;

ii. acceptance and approval will be communicated by post (subject to the standard correspondence instructions); and

iii. any oral agreements will be conclusively binding upon written acceptance by the United States outside of Canada, a confirmation of which will be sent by post (subject to the standard correspondence instructions)

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the United States is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

This document has been provided at your request. The information does not constitute an offer and the contract will only be concluded by acceptance of this document outside of China.

The information is intended to be received by you only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the addresser’s country of residence is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

When providing Information in writing for Investment Accounts/Services:

The securities or other investment products referred to in this communication or in connection with this communication are not listed on the Egyptian Stock Exchange (“EGX”) or offered or sold to the public in Egypt and they have not been and will not be registered with the Financial Regulatory Authority (“FRA”). No offer, sale or delivery of such securities or other investment product, or distribution of any prospectus relating thereto, may be made in or from Egypt except in compliance with any applicable Egyptian laws and regulations. The securities may not be offered or sold in any form of general solicitation or general advertising or in a public offering in Egypt, without the prior approval of the FRA.

When providing Information in writing on Bank Accounts and Lending:

We HSBC Bank USA, N.A. are not an authorized institution under the Hong Kong Banking Ordinance and are therefore not subject to the supervision of the Hong Kong Monetary Authority. The information we are providing you with is provided at your request and does not constitute an advertisement or invitation by us to you to make a deposit or an invitation or offer to enter into any agreement to make a deposit.

This bank documentation/information does not constitute an offer by HSBC Bank USA, N.A. and this contract will only be concluded by acceptance of this documentation/your application in the territory of the United States.

When providing Account Opening Documentation:

The present communication is made following your specific request. The addresser has not solicited you or otherwise offered or marketed to you the products and services to which this communication refers. This communication is sent to you for your information only, and is not intended to be distributed to the general public in your country of residence. You note, acknowledge and understand that the addresser established in HSBC Bank USA, N.A. is not licensed under the laws of your country of residence and therefore is not subject to supervision or regulation by the local regulator in your country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

When providing Information in writing for Investment Accounts/Services:
The present communication is made following the addressee’s specific request without any prior solicitation with respect to the information provided in the communication. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public at the addressee’s country of residence.
The information contained in this communication or in connection with this communication does not, and is not intended to constitute or form a part of any offer, invitation to offer or solicitation to subscribe, purchase or sell any security or other investment products or investment services, nor does it constitute or form part of any recommendation by the addresser, to subscribe, purchase or sell any security or other investment products or investment services. The information contained in this communication does also not constitute an invitation to enter into a transaction and for the avoidance of doubt, any information or documents provided in connection hereto shall not be construed as such.
This communication is not intended to provide and should not be relied upon for tax, legal or accounting advice or investment recommendations. The addressee of this communication should consult his / her tax, legal, accounting or other advisers (as appropriate) about the content discussed and assess the relevant terms contained in this communication. The addressee should make his / her own research of the relevant terms in the material and it is up to the addressee to make a decision whether to act upon the material or not.
This communication has not been reviewed, authorized or approved by the regulatory authority of the addressee’s country of residence. The addressee is not authorized to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in the addressee’s country of residence.

Please note that the Bank is not licensed for any financial business activities in Indonesia and, therefore, is not allowed to conduct any banking/securities business in Indonesia. This transaction was made upon your specific request and you were not solicited to take this action.

Please note:

• This communication is made upon your specific request;
• You were not solicited with respect to the product mentioned in this communication; and
• It is at your discretion whether to act upon it or not.

For Israeli customers doing securities related business with HSBC Securities (USA) Inc. (the “Company”), the Israel Securities Authorities permit under Section 49A to the Securities Law was issued on the basis of the Company’s declaration that it is subject to the supervision of the United States Securities and Exchange Commission (“SEC”). In addition to being supervised by the SEC, the Company is regulated by a Self-Regulatory Organization, the Financial Industry Regulatory Authority ("FINRA"). As a registered U.S. broker dealer, the Company is subject to the rules and regulations of the Securities Exchange Act of 1934 and other rules promulgated by the SEC and FINRA. Said entity's activity is not subject to the supervision of the Israel Securities Authority. This permit does not constitute an opinion regarding the quality of the services rendered by the permit holder or the risks that such services entail.

BrokerCheck is a free tool from FINRA that can help you research the professional background of brokers and brokerage firms as well as investment adviser firms and advisers. You can visit BrokerCheck at: http://brokercheck.finra.org. Please also see Important Disclosures for information relating to investment and insurance products and services.

Please note that the Bank is not licensed for any financial business activities in Japan and, therefore, is not allowed to conduct any banking/securities business in Japan. This transaction was made upon your specific request and you were not solicited to take this action.

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the United States is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

This information is provided at your request. If you are entering into a new contractual agreement, this will only be completed on acceptance by HSBC of any contractual documentation and instructions pursuant to the contract outside of the Lebanon. HSBC Bank USA, N.A. is not a financial institution licensed in the Lebanon.

The information is provided following your specific request. The addresser has not solicited you or otherwise offered or marketed to you the products and services to which this information refers. This information is provided to you for your information only and is not intended to be distributed to the general public in your country of residence. You note, acknowledge and understand that the addresser established in the US is not licensed under the laws of your country of residence and therefore is not subject to supervision or regulation by the local regulator at your country of residence. None of the products and services of the addresser have been approved by, or registered with, the local regulator.

The information is provided following your specific request without any prior solicitation with respect to the information provided in the communication. This information is provided to you for your information only and is not intended to be distributed to the general public in your country of residence.

The information contained in this communication or in connection with this communication does not, and is not intended to constitute or form a part of any offer, invitation to offer or solicitation to subscribe, purchase or sell any security or other investment products or investment services, nor does it constitute or form part of any recommendation by the addresser, to subscribe, purchase or sell any security or other investment products or investment services. The information contained in this communication does also not constitute an invitation to enter into a transaction and for the avoidance of doubt, any information or documents provided in connection hereto shall not be construed as such.

This information is not intended to provide and should not be relied upon for tax, legal or accounting advice or investment recommendations. You should consult your tax, legal, accounting, or other advisers (as appropriate) about the content discussed and assess the relevant terms contained in this communication. You should make your own research of the relevant terms in the material and it is up to you to make a decision whether to act upon the material or not.

This information has not been reviewed, authorised or approved by the regulatory authority of your country of residence. You are not authorised to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in your country of residence.

This message is intended for the addressee only and does not constitute a 'public offering.'

The Bank is not under the supervision of a Peruvian regulator when providing information or marketing material on the Bank's products / services to the Customer / Prospect (even in cases where no means of public advertisement is used).

Any products or services made available to you to do not constitute an offer or a recommendation and should not be considered an invitation or inducement to engage in banking or investment activity or any offer to buy or sell financial products or instruments.

Products and services made available to you are not governed by the Qatar Central Bank and all assets are booked outside of Qatar. The contract or agreement does not come into effect until received and accepted by HSBC Bank USA, N.A.

This communication does not constitute an offer by the Bank to make available, solicit, issue an invitation to purchase or offer for purchase any securities or offer any services in Singapore.

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in the USA is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

The bank is not licensed by the Monetary Board of the Central Bank of Sri Lanka. This information is provided at your request and does not constitute an offer or invitation to make a deposit or enter into any agreement with you.

The bank is not licensed by the Monetary Board of the Central Bank of Sri Lanka. This information is provided at your request and does not constitute an offer or invitation to make a deposit or enter into any agreement with you. We understand that you are exempt from foreign exchange restrictions and have not violated the Foreign Exchange Act by placing any investment orders.

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in Thailand is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

No information is provided for the purpose of offering, marketing and sale by any means of any banking services and/or capital market instruments /services in the Republic of Türkiye. Therefore, this document may not be considered as an offer made or to be made to residents of the Republic of Türkiye. The products and services referred to in this document are not products or services authorised/approved by the Banking Regulation and Supervision Agency under the Banking Law (Law No. 5411) or by the Capital Market Board under the Capital Market Law (Law No. 6362) and do not intend to serve as products /services in the Republic of Türkiye. Accordingly, neither this document nor any other offering material related to the offering may be utilised in connection with any offering to the public within the Republic of Türkiye without the prior approval of the Capital Market Board. However, pursuant to Article 15 (d) (ii) of the Decree No. 32 there is no restriction on the purchase or sale of the [please insert the name of the instrument] by residents of the Republic of Türkiye, provided that: they purchase or sell such [please insert the name of the instrument] in the financial markets outside of the Republic of Türkiye.

The investment information, comments and recommendations we may provide to you are not within the scope of investment advice. Such recommendations are of a general nature, and are not prepared in accordance with your financial status and risk and income preferences. Therefore, taking investment decisions based only on the information stated herein may not give any results meeting your expectations.

This information is provided at your request and does not constitute an offer or invitation by us to make a deposit or enter into any agreement with you. If you are entering into a new contractual agreement, this will only be completed on acceptance by HSBC Bank USA, N.A. of any contractual documentation outside the UAE. HSBC Bank USA, N.A is not a financial institution licensed in the UAE.

This does not constitute an offer by HSBC Bank USA, N.A. and is only available for property located in the United States. Legal documents will only become effective when accepted by HSBC Bank USA, N.A in the territory of the United States where HSBC Bank USA, N.A. is registered and located. Consumer protections available under UK regulation will not apply to this contract.

UK Tax

• If you are a UK tax resident, then the location of the bank you are borrowing from and your individual circumstances may lead to a requirement to pay up to an additional 20% withholding tax to Her Majesty’s Revenue and Customs (HMRC) in addition to any interest payments to the overseas lender for your mortgage.

• There may however be relief available from the withholding tax - you should seek advice from an independent tax adviser to ensure you understand any tax obligations and potential withholding tax relief available.

• If there is tax payable, you are responsible for paying the tax to HMRC, not the overseas lender.

• If there is a tax payable, this would make the cost of your loan higher than it appears in your loan statement/ documentation.

The present communication is intended to be received by the recipient only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. HSBC is not licensed under the laws of Venezuela and is, therefore, not subject to supervision of the local regulators. None of the products and services of HSBC have been approved by or registered with the local regulator and the assets of the recipient are booked outside of Venezuela.

For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document to be signed, such document(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at us.hsbc.com/crossborder. 

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC. In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.

Investments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value.

All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.