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Terms:

Receive American Airlines® Five Star ServiceSM compliments of HSBC*:

1. Apply for PLUS BANKING from HSBC between October 5 and December 31, 2009 and
2. Open the account with an initial minimum deposit of $8,000 of new money and
3. Make three qualifying bill payments using HSBC online Bill Pay service.


Qualified PLUS BANKING customers receive American Airlines® Five Star ServiceSM when flying out of New York Kennedy International Airport or Los Angeles International Airport November 16, 2009 - May 15, 2010. A personal Five Star Service representative will meet you, assist with baggage and check-in, help expedite your way through security, provide access to an American Airline Admirals Club® lounge, and assist you to your gate.



Offer valid when you begin a new PLUS BANKING relationship with a minimum of $8,000 funded in new money from October 5, 2009 to December 31, 2009 and pay three bills online using HSBC online Bill Pay service by January 18, 2010. New money is defined as funds or positions not previously held by any member of the HSBC Group over the past consecutive six months. For existing customers new money must be in addition to existing deposit and investment balances. Offer not valid on Retirement (IRA) Brokerage Accounts or for existing HSBC Plus customers. The Annual Percentage Yield (APY) and balance for PLUS Checking which is accurate as of November 16, 2009 is 0.01% APY on balances of $5.00 or more. APY is variable and subject to change after opening. Charges and fees may reduce earnings. To avoid a monthly maintenance fee of $15.00 you must maintain $15,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial deposit and investment balances to qualify for a personal PLUS BANKING relationship, but these balances cannot be used to meet the new money requirements. Qualified customers will be notified via email within 8 weeks of third online bill payment. Notification will include instructions for redeeming complimentary American Airlines promotional gift. Limit one gift per customer. This offer cannot be combined with any other offers or promotions, is nontransferable, good while supplies last. Promotion may be modified or withdrawn at any time without notice. Any gift not chosen by May 15, 2010 will be forfeited. The cost of the gift will be reported on IRS Form 1099. PLUS BANKING account must remain open for a minimum of six months or value of gift will be deducted from account proceeds at closing.