Banking Deposit Rates

1 To qualify for an HSBC Premier Relationship Savings account, you need to maintain an U.S. HSBC Premier relationship.

2 The HSBC Premier Savings account is available to customers with an HSBC Premier checking account in the United States.

3 The HSBC Advance Savings account is no longer offered.

4 The HSBC Everyday Savings account is no longer offered.

5 The Annual Percentage Yields (APYs) and balances for an HSBC Premier Relationship Savings account which are accurate as of {{currentDate}} are: Standard APY of 0.05% APY on balances of $1 or more and Relationship APY of 4.00% APY on balances of $1 or more when eligibility requirements are met. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

6 The Annual Percentage Yields (APYs) and balances for an HSBC Premier Savings account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $0 - $24,999.99; 0.10% APY $25,000 - $99,999.99; 0.15% APY $100,000 - $249,999.99 and 0.15% APY $250,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

7 The Annual Percentage Yields (APYs) and balances for an HSBC Advance Savings account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $0 - $14,999.99; 0.05% APY $15,000 - $49,999.99; 0.05% APY $50,000 - $74,999.99 and 0.05% APY $75,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

8 The Annual Percentage Yields (APYs) and balances for an HSBC Everyday Savings account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $1 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

9 The Annual Percentage Yields (APYs) and balances for CD accounts which are accurate as of {{currentDate}} and apply for the initial term only. A penalty may be imposed for early withdrawal. Minimum to open is $1,000.

10 The Annual Percentage Yields (APYs) and balances for an HSBC 24 Month CD account which are accurate of {{currentDate}} are: 3.50% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

11 The Annual Percentage Yields (APYs) and balances for an HSBC 12 Month CD account which are accurate as of {{currentDate}} are: 4.00% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

12 The Annual Percentage Yields (APYs) and balances for an HSBC 6 Month CD account which are accurate as of {{currentDate}} are: 4.00% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

13 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance fee²¹ of $50 will be incurred if at least one of these requirements is not maintained. Refer to your ‘HSBC Premier Terms and Charges Disclosure’ for full details.

• Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment²² accounts; OR
• Monthly recurring direct deposits²³ totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
• Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included
• Consumers who maintain Private Bank status²⁴

14 The HSBC Advance Checking account is no longer offered.

15 The Annual Percentage Yields (APYs) and balances for an HSBC Premier checking account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $5 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

16 The Annual Percentage Yields (APYs) and balances for an HSBC Advance checking account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $5.00 or more but less than $1,000, 0.01% APY $1,000 or more but less than $3,000, 0.01% APY $3,000 or more but less than $10,000 and 0.01% APY $10,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

17 Other CD terms and rates are available. For details, contact us at 800.975.4722.

18 The Annual Percentage Yields (APYs) and balances for an HSBC 24 Month CD account which are accurate of {{currentDate}} opened in branch or over telephone are: 3.50% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

19 The Annual Percentage Yields (APYs) and balances for an HSBC 12 Month CD account which are accurate as of {{currentDate}} opened in Wealth Center or over telephone are: 4.00% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

20 The Annual Percentage Yields (APYs) and balances for an HSBC 6 Month CD account which are accurate as of {{currentDate}} opened in branch or over telephone are: 4.00% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

21 You will not be charged a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the “Waiver Period”), whether you meet the qualifying criteria or not. If immediately after the “Waiver Period”, you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account.

22 Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

23 Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.

24 To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.