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Terms:

Offer valid when you begin a new Premier Relationship in the United States with a minimum of $50,000 funded in new money between March 2, 2009, and April 25, 2009. New money is defined as funds or positions not previously held by any member of the HSBC Group over the past consecutive six months. Offer not valid on Retirement (IRA) Brokerage Accounts or for existing HSBC Premier clients. Employees cannot use Vanguard balances to qualify for this offer. To qualify for HSBC Premier, you need to maintain $100,000 in combined personal deposit and investment balances or $500,000 in combined personal deposit, investment, and credit/mortgage balances. Business owners may use their commercial balances to qualify for personal Premier membership, but these balances cannot be used to meet the new money requirements. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained. You have up to 90 days after account opening to meet the full $100,000 balance requirement. The Annual Percentage Yield (APY) and balance for a Premier Checking Account which is accurate as of March 2, 2009, is 0.05% APY on balances of $5.00 or more. APY is variable and subject to change after opening. Charges and fees may reduce earnings. Qualified customers will be notified via mail within 90 days of opening an account; notification will include instructions for redeeming gift of choice. Limit one gift per customer. This offer cannot be combined with any other offers or promotions, is nontransferable, and good while supplies last. Any gift not redeemed by July 31, 2009, will be forfeited. The cost of the gift will be reported on IRS Form 1099. Premier relationship must remain open for a minimum of six months or value of gift will be deducted from account proceeds at closing.

Foreign exchange rate may apply. Global View, Global Transfer and Online Bill Pay are not available in all countries.

Geographic and other restrictions apply.
No pre-set spending limit does not mean unlimited spending. We may permit you to incur charges (except ATM cash advance transactions) that cause your new balance to exceed your revolving credit line. Each such charge will be evaluated based on Account usage and performance, other account relationships with us and your experience with other creditors. If we authorize such charges, you will be required to pay, as part of your Current Payment Due, the amount by which your New Balance exceeds your revolving credit line, including amounts due to purchases, cash advances, Finance Charges, fees or other charges.