Enhance your world with HSBC 2021 Important Service Announcement

Effective May 26, 2021

Last year, we at HSBC USA, N.A. (“HSBC” or “the Bank”) set out on a journey to be able to better cater to our clients’ needs globally and from a perspective. You may have seen a recent announcement from us about the next phase of this plan. As a result of this new focus for HSBC, we are streamlining parts of the Bank. This decision was not made lightly, but is necessary for us to best position the Bank for the future. As part of this, some of our branches, clients, and employees will be transitioned to another financial institution in the coming months.

What this means for you

If you are: • An existing HSBC customer who is opening a new deposit account or applying for unsecured credit, and you have been notified that you’re being transitioned; or • A new HSBC customer who is applying for unsecured credit or opening any other deposit account than an HSBC Premier checking, savings or account; or • A new or existing HSBC Retail Business Banking customer who is opening a new deposit account or applying for credit, then*

* Any HSBC account(s) opened or applied for today will be transitioned to a new financial institution in the near future.

• If you are interested in or investments, please contact an HSBC Securities (USA) Financial Consultant.

More details and FAQs can be found at us..com/GoingForward‌ A world of banking awaits

HSBC Group1 was born from one simple idea — a local bank serving international needs. For more than 150 years, we have connected customers to opportunities all around the world.

How we do business is as important to us as what we do. We believe in capital strength, strict cost control and building long-term relationships with customers. We enable businesses to thrive and economies to prosper.

Today, we serve more than 40 million customers worldwide in 64 countries and territories. We’re proud to put people first, helping them realize their ambitions.

Throughout the years, HSBC2 has adapted to change to ensure our products and services meet the challenges of today, so that our customers can meet the challenges of today and tomorrow. Wherever you are, whatever your needs

We invite you to peruse our convenient checking and savings offering options for all levels of banking, integrated business banking with one point of contact for your personal and business needs, and credit cards and loans designed to fit your lifestyle. You can always count on HSBC’s international insight and financial experience.

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Lifestyle Financial Account Details Everyday Banking International Banking CreditCredit CardsCards BorrowingBorrowing Benefits Guidance

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20 Concierge Services Our multi-currency, mobile- Relationship required to apply Unlimited rebates 17 only account is available to We offer a variety of $0 Premier Savings customers with an eligible Relations hip required to apply Mortgages and a Home HSBC Jade of U.S. non-HSBC ATM 16 Airport Lounge HSBC deposit account. HSBC Total Relationship balance of over $1,000,000 incoming Convert and hold multiple Up to HSBC Elite credit card 3X Points on travel Equity Line of Choice to meet surcharges14 and no Our preferred rate 21 currencies and send instant 3X Points on travel 2X Points on dining 1X Points on all other purchases Relationship required to apply your home lending needs 7 Relationship Access and no-fee transfers to any Jade and need to have a Premier checking account7 $0 with tiered pricing eligible HSBC customer at $10,00026 or 2X Points on dining Personal Loans30 allow you to Manager HSBC fee when using competitive rates — all from HSBC Premier credit card borrow money at a fixed rate 5 on balances VIP Restaurant the ease of one account. 2X Points on travel 1XHSBC Points onElite all other purchases 1X Points on all other purchases and repay over a fixed term non-HSBC ATMs3 outgoing Reservations u ‌s.hsbc.com/globalmoney credit card Our multi- Total Relationship balance of at least $75,000 Our multi-currency,currency, mobile- Unlimited rebates 17 only account is available to We offer a variety of $0 Premier Savings customers with an eligible Relationship required to apply We offer a variety OR $5,000 in recurring monthly direct deposits HSBC mobile-only Mortgages and a Home of U.S. non-HSBC ATM 16 HSBC deposit account. HSBC Elite credit card of Mortgages HSBC Premier incoming VIP Restaurant Convert and hold multiple Up to Equity Line of Choice to meet OR at least $500,000 U.S. residential mortgage surcharges14 and no Our preferred rate currenciesaccount and send isinstant 3X Points on travel 2X Points on dining 1X Points2X on Points all other onpurchases travel Relationship required to apply your home lending needs 8 and no-fee transfers to any and a Premier loan excluding Home Equity Lines Relationship $0 with tiered pricing Reservations eligibleavailable HSBC customer to at $10,00026 or Personal Loans30 allow you to HSBC fee when using competitive rates — all from HSBC Premier credit card 1X Points on all other purchases borrowHome money atEquity a fixed rate Manager 5 the ease of one account. 3 outgoing on balances customers 2X Points on travelHSBC 1X Points Premier on all other purchases and repay over a fixed term 8 non-HSBC ATMs Line of Choice $50 fee unless eligibility is met withu ‌s.hsbc.com/globalmoney an eligible credit card to meet your HSBC deposit home lending account. 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HSBC Advance and repay over a fixed term 9 Team outgoing and no-fee $25 fee unless eligibility is met 3 u ‌s.hsbc.com/globalmoney non-HSBC ATMs transfers to any credit card eligible HSBC These cards are also available with any HSBC relationship Total Relationship balance of at least $1,500 customer at Personal Loans30 HSBC Our multi-currency, mobile- OR any monthly direct deposit only account is available to We offer a variety of $15 customerscompetitive with an eligible Available These cards are also available with any HSBC relationship allow you to Choice 19 HSBC deposit account. Mortgages and a Home 10 No withdrawal fees 16 Everyday Savings 10 $15 fee unless eligibility is met incoming Convertrates and hold— multipleall up to HSBC Cash Rewards credit card 1.5% cash back Equityborrow Line of Choicemoney to meet Checking currencies and send instant not applicable not applicable your home lending needs not applicable on U.S. account pays a not applicable and no-fee transfers to any 1.5% cash back on all purchases on all purchases at a fixed rate and from the ease $500 with 30 with 3 $35 eligible HSBC customer at or Personal Loans allow you to Choice Checking Accounts opened with HSBC ATMs competitive rate competitive rates — all from of one account. 28 HSBCHSBC Gold credit Cash card RewardsLate Payment Fee Waiver and No Penalty APR borrow repaymoney at over a fixed rate student 5 the ease of one account. a fee and repay over a fixed term a student offer will have their monthly outgoing credit card a fixed term offer u u‌s.hsbc.com/globalmoney‌s.hsbc.com/ maintenance fee waived for six years12 globalmoney

Our multi-currency, mobile- only account is available to $15 customers with an eligible Available These cards are also available with any HSBC relationship We offer a variety ofMortgages and HSBC No withdrawal fees 16 Everyday Savings19 HSBC deposit account. Late Payment Fee Waiver and a Home Equity Line of Choice to No minimum deposit balance requirement incoming Convert and hold multiple HSBC Cash Rewards credit card meet your home lending needs currencies and send instant up to Basic not applicable on U.S. account pays a not applicable and no-fee transfers to any not applicable not applicable 1.5% cash back on all purchases No Penalty APR $500 with Personal Loans30 allow you to 11 11 $35 eligible HSBC customer at or Banking $1 per month 3 competitive rate competitive rates — all from borrow money at a fixed rate and HSBC ATMs 28 HSBC Gold credit cardHSBC Late Payment Gold Fee Waiver and No Penalty APR outgoing5 the ease of one account. a fee repay over a fixed term u ‌s.hsbc.com/globalmoney credit card HSBC Business Accounts and Services HSBC is here to support your business banking needs. Learn more at u ‌s.hsbc.com/fusion.

Account Details Everyday Banking Specialized Services Lending Products & Services

Business Escrow Monthly Free Wire Certificate Remote Cash Business Accounts Online Relationship Debit Business Line of Term Equipment Maintenance Transactions Transfer of Deposits Deposit Management Insurance & Interest on Access Credit Cards3734 Card Savings CreditCredit3437 LoanLoan3437 FinancingFinancing3437 Fee Per Cycle31 Fees (CDs): 7 days Capture32 Solutions Options Lawyer (HSBCnet)3633 up to 10 years Accounts

For covering 24/7 access online or expenditures and supporting cash flow Term options from 12 month line of $50 with the mobile app HSBC Mastercard® BusinessCard For covering 2–5 yearsTerm 12 month Used to support credit that converts to a fixed term loan40 on each net workingexpenditures capital, Used optionsfor longer-term line of View your personal Earn Unlimited 1.5 Points An account for businesses Waived with Free Single Feed 24/7 access dollar spent; no categories to remember or buying in bulk for capital investments Financing that gives and business account enrollments to worry about discountsand on supplies, from credit that HSBC balances in one place35 Fixed at time of your business 12 with moderate activity and $75,000 in machine and online or with or investment in months to invest; growthsupporting approval2–5 years converts Fusion qualifying 500 $0 Points are worth 2% Cash Back when payment is then more sophisticated cash free monthly Makethe paymentsmobile appin redeemed into your HSBC Fusion checking Primecash + 2.25% flow38 to fixed onto total a Professional or savingsHSBC account Mastercard® 38 less than 3 years: commercial With discounted U.S. dollars or foreign Prime + 8.25% 6.50% – 12.50%39 balance — without a management needs service currencies fixed term No Annual FeeBusinessCard36 Annual Fee second credit pull and personal pricing 4-5 years: 7.40% – loan40 37 less than $50K limit: 40 balances Real-time foreign Variable APR of Prime + 9.99% $150 Prime + 2.25% to 39 Prime + 8.25%40 exchange rates greaterUsed than $50K to 13.40% View your limit: $250support personal and Earn Unlimited 1.5 Points working business on each net dollar spent; 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the purchase Make payments in redeemed into your HSBC Fusion checking Prime + 2.25% to fixed on total Smart relationship with HSBC commercial $30 U.S. dollars or foreign or savings account Prime + 8.25%38 less than 3 years: of a machine Points are worth 39 balancepayment — without is a currenciesMake 36 Annual Fee 6.50% – 12.50% second credit pull and personal in-branch No Annual2% Fee Cash Back when then fixed 37 less than $50K limit: 4-5 years: 7.40% – 40 outgoing Real-timepayments foreign in Variable APR of Prime + 9.99% 39 Prime + 2.25% to balances $150 13.40% on total40 exchange rates redeemed into your Prime + Prime + 8.25% U.S. dollars greater than $50K38 HSBC Fusion checking or limit: $2502.25% balance — or foreign savings account to Prime + without currencies 8.25%38 a second For covering Fixed at time 24/7 access online or expenditures and credit pull supporting cash flow Termof options approval from 12 month line of with the mobile app HSBC Mastercard® BusinessCard 2–5 years $15 incoming Used to support credit that converts $30 to a fixed term loan40 on each36 net working capital, Used for longer-term View your personal Earn UnlimitedNo Annual1.5 Points Fee <3 years: $15 online Free monthly Real-time dollar spent; no categories to remember or buyingAnnual in bulk Feefor capital investments Financing that gives Waived with and business account enrollments to worry about discounts on supplies, 6.50% – HSBC A basic account for balances in one place35 Fixed at time of your business 12 outgoing service with foreign or investment in 39 months to invest; $5,000 in growth<$50K limit: approval12.50% Fusion growing your business with 200 Points are worth 2% Cash Back when paymentPrime is then + the purchase exchange redeemed into your HSBC Fusion checking 38 qualifying Make payments in Prime +$150 2.25% to less than 3 years: fixed on total First low transaction volumes $30 or savings account 38 40 U.S. dollarsrates or foreign Prime + 8.25% 6.50%4-5 – 12.50%years:39 balance2.25 — %without a of a machine currencies commercial in-branch No Annual FeeVariable36 APR of Annual Fee second credit pull >$50K limit: 4-5 years:7.40% 7.40% – – to Prime + balances 3737 less than $50K limit: 40 outgoing Real-time foreign Variable APRPrime of Prime + +9.99% 9.99% $150 39 Prime + 2.25%40 to $250 13.40%39 Prime8.25 + 8.25%% 40 exchange rates greater than $50K 13.40% limit: $250 Additional resources

Please see individual product pages below for details on important rates, fees and other associated costs.

HSBC HSBC Personal HSBC HSBC Home Equity Credit Card Loans Mortgage Line of Choice

HSBC Bank Routing Number: 022000020

HSBC Bank Swift Code: MRMDUS33

To learn more or set up your account visit us.hsbc.com Endnotes

1. The HSBC Group operates through a network of affiliates and subsidiaries around the world. investment account from October 30, 2017 through and including October 30, 2020 are not eligible 2. HSBC refers to HSBC Bank USA, N.A., HSBC Securities (USA) Inc. and HSBC Insurance Agency for this offer. For a Qualifying Student whoopens an HSBC Choice Checking account during the (USA) Inc. HSBC Bank USA, N.A. provides banking products and services. HSBC Securities (USA) Inc. Offer Period, the Choice Checking account Monthly Maintenance Fee will be waived for six (6) provides investment products and services and is an affiliate of HSBC Bank USA, N.A. HSBC Insurance years from account opening. After the 6 year period, Monthly Maintenance Fee may apply. The Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of $15 Monthly Maintenance Fee can be avoided as long as one of the following requirements are met: HSBC Bank USA, N.A. (1) $1,500 minimum balance in combined U.S. Dollar personal deposit accounts and investment* balances; OR (2) a recurring qualifying direct deposit from a third party. Qualifying direct deposits 3. You may be charged additional fees by the ATM operator or network used, including a fee by another are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply. or other monthly income) made into your HSBC Choice Checking account from third parties at least 4. Transfer limits may apply only to transfers made online through the Bank to Bank Transfers service. once per calendar month. Requirements and Monthly Maintenance Fee amount are subject to HSBC reserves the right to apply a lower limit. change. Limit one account Maintenance Fee Waiver per customer, including all individual and 5. For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the joint accounts — the first line name on the joint account is considered the customer for gift purposes. time of your wire transaction. HSBC reserves the right to change or terminate this offer at its sole discretion. Retain this for 6. Under the Bill Pay “on-time” guarantee, HSBC will bear the responsibility for any late-payment-related your records. charges should an online bill payment arrive after its due date as long as you scheduled the transaction 13. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for at least five business days prior to the payment due date. This guarantee does not apply to business these charges. Camera in device required to be able to utilize HSBC Mobile Check Deposit. Deposit clients using Bill Pay. amount limits may apply. HSBC Mobile Banking App is available for iPhone®, iPad® and Android™ 7. Participation in HSBC Jade is available to holders of an HSBC Premier Checking Account who have devices and must be downloaded from the App Store® or Google Play™. maintained qualifying Personal Cash Accounts and Personal Investment‡ Assets (excluding Retirement 14. Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Accounts and Assets) in the United States which in aggregate and calculated as an average over Asset Management, HSBC Premier Savings, HSBC Promotional Premier Savings and HSBC Premier each calendar month are equal to at least $1,000,000 (one million U.S. dollars) for a period of at Relationship Savings. HSBC will rebate qualifying ATM third-party surcharge fees incurred with a least 1 calendar month (a “Qualifying Balance”) immediately prior to HSBC Premier Account Holders credit to your account on the first business day of the following calendar month. becoming HSBC Jade clients. As an HSBC Jade client, if you are no longer able to meet the HSBC 15. Available only on U.S. non-HSBC ATM transactions (except in New York State) initiated from HSBC Jade criteria, your access to all its benefits will be removed. See theHSBC Jade Terms and Conditions Advance checking, Advance Savings and Advance Promotional Savings. HSBC will rebate up to for full details. four qualifying ATM third-party surcharge fees incurred based on transaction date order during the 8. To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account calendar month. The rebate will be credited to your account on the first business day of the following and maintain: calendar month. • Balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and 16. Incoming wire transfers may be subject to fees from non-HSBC financial institutions. Please check investment‡ accounts; OR your account terms and charges for further details. HSBC is not responsible for these charges. • Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier 17. To qualify for an HSBC Premier Savings account, you need to maintain a U.S. HSBC Premier8 checking account(s); OR relationship. • HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an 18. The HSBC Advance Savings account is available only to customers with a U.S. HSBC Premier8 or U.S. aggregate of multiple mortgages. Home Equity products are not included. HSBC Advance9 relationship. • Consumers who maintain Jade status. 19. The HSBC Everyday Savings account is available to all consumers and has no monthly maintenance A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained. fee or balance requirements. 9. To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account 20. HSBC Jade clients will enter into a direct agreement with Ten Lifestyle Group PLC (“Ten”) under which and maintain: Ten Lifestyle Group PLC and its affiliates will deliver lifestyle services available under the HSBC Jade • Balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and Concierge Service. HSBC will not be a party to that agreement and will not be responsible for the investment‡ accounts; OR delivery of the lifestyle services. • Monthly recurring direct deposit from a third party to an HSBC Advance checking account; OR 21. Use of the Lounge access or Offer is not transferable, and Customers may only use the Lounge access or Offer until either the expiry date shown on the Website and/or App, or until the expiry • An HSBC U.S. residential mortgage loan. Home Equity products are not included. of the Offer as stated in the Offer terms. The Lounge access or Offer may not be used by any A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained. person other than the eligible Customer and their permitted guests. For more information, access 10. To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking https://airport.mastercard.com/en/terms-of-use. account and maintain: 22. HSBC Global Money Account is a prepaid, multi-currency account available on our Mobile Banking • Balances of $1,500 in combined U.S. consumer U.S. Dollar deposit and investment‡ accounts; OR App for customers who maintain an HSBC consumer deposit account. • Monthly recurring direct deposit from a third party to an HSBC Choice Checking checking account. 23. International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application. A monthly maintenance fee of $15 will be incurred if one of these requirements is not maintained. 11. Basic Banking has no minimum balance requirement and the monthly maintenance fee is $1. There 24. Portable HSBC credit history is not available in all countries. is no charge for the first eight checks/withdrawal slips you write, then you will be charged $.35 per 25. Global View and Global Transfers are only available for HSBC Premier (which includes HSBC Jade) and check or withdrawal. HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local 12. The 6 Year Maintenance Fee Waiver Offer is available for applications completed in United country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject States branches, Customer Relationship Center, the International Banking Center or any U.S. to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. HSBC Choice Checking website from October 31, 2020 – September 30, 2021 (“Offer Period”). Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited. To apply for a deposit account online, you must be at least 18 years of age, have a Social 26. HSBC Premier (which includes HSBC Jade) clients can receive an emergency encashment of up to Security Number, currently have a U.S. residential address and have had U.S. residency for U.S. $2,000 or local currency equivalent immediately or up to U.S. $10,000 or local currency equivalent the past one year. You must be at least 18 years of age and list student as your occupation on upon authorization from local country. You’ll just need to show proper identification at any HSBC your application (for a “Qualifying Student”). Customers who held an HSBC consumer deposit or branch. Encashment is dependent on your available balance; local country limitations may apply. 27. U.S. HSBC Advance customers can receive an emergency encashment of up to U.S. $10,000 or change. Variable interest rates are determined by adding the applicable spread to the HSBC Prime local currency equivalent upon authorization from local country. You will just need to show proper Rate. identification at any HSBC branch. Encashment is dependent on available balance; local country ‡ Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. limitations may apply. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A. 28. Personal customers can receive an emergency encashment up to U.S. $500 or local currency iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is equivalent upon authorization from local country, fee may apply. You will just need to show proper a service mark of Apple Inc. identification at any HSBC branch. Encashment is dependent on available balance; local country limitations may apply. Android and Google Play are trademarks of Google LLC. 29. If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT HSBC Jade concierge service is delivered by Ten Lifestyle Group PLC (Ten), Fitzroy House, 355 Euston facility with your HSBC Debit Mastercard® or ATM Card outside the United States, the transaction Road, London NW1 3AL. HSBC is not responsible for the delivery of, or for any failure to deliver, amount may be further increased by a percentage established from time to time by us (currently the concierge services. Calls to the concierge service are charged at a local rate. Charges for the 3%). This Foreign Transaction Fee does not apply to transactions using HSBC Jade World Debit products or services provided will be notified at the time of booking. Calls may be recorded. Your Mastercard® and HSBC Premier World Debit Mastercard® cards. contact details are held with your permission so that you can access the service. Ten is committed to your privacy. Please visit the website for Ten’s full terms of service and privacy statement. 30. Personal loan products are offered in the U.S. by HSBC Bank USA, N.A and are subject to credit approval. The APR on your Personal Loan will be based on your credit history, among other factors. How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when Loans above $30,000 require a U.S. HSBC Advance9 or Premier8 banking relationship. Borrowers you use your card to make new purchases (minus returns, credits and adjustments). must continue to meet the criteria used to select the Borrower for this offer and must satisfy pre- HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A. determined underwriting criteria. Programs are subject to change. Eligibility is subject to geographic, HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and may require a relationship and other conditions. Repayment term restrictions may apply. U.S. HSBC checking account relationship. To learn more, speak with an HSBC branch representative. 31. HSBC defines transactions as each deposit, each item appearing on a deposit ticket and each check Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International or other withdrawal from your account including any electronic transactions other than those that Incorporated. are subject to the Service Fee Schedule on the Fusion checking product Terms and Charges. The transaction limit is based on a total of all transactions conducted in your Fusion Checking account for United States persons are subject to U.S. taxation on their worldwide income and may be subject to the calendar month. tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information. 32. An HSBC Business Banking checking account and active HSBCnet login is required to enroll in this product and service. HSBC’s RDC machine allows secure electronic check deposit transactions via Mortgage and Home Equity products are offered in the U.S. by HSBC Bank USA, N.A. and are a personal computer (PC), a desktop scanner and HSBCnet web-based software from your business only available for properties located in the U.S. Subject to credit approval. Borrowers must meet location in the U.S. Remote Deposit Capture Service customers are subject to Bank approval. program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any 33. HSBCnet services provided in the United States by HSBC Bank USA, N.A. HSBCnet features and other offer or discount. functionality may vary by country. Subject to U.S. sanction regulations. HSBCnet Mobile services are not available in connection with HSBCnet profiles in all countries and are subject to phone provider Equal Housing Lender capabilities. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. 34. Subject to credit approval, continued creditworthiness and compliance with terms and conditions of This information is accurate as of August 2, 2021. All products and services offered by HSBC Bank USA, the product. For business purposes only. Other terms and conditions apply. Current offers are subject National Association, HSBC Securities (USA) Inc., and HSBC Insurance Agency (USA) Inc. are subject to change. to updates and modifications. Certain restrictions and requirements may also apply. The information 35. Only available to businesses with a single HSBCnet User who is also an owner of the business. in this brochure is, therefore, an overview; please see your local HSBC branch representative or Qualifying business owners can only view individual personal deposit accounts on HSBCnet. contact us at 888.662.HSBC (4722) for complete, detailed and up-to-date information. Consumer 36. Other fees may apply. deposit accounts are governed by the “Rules for Consumer Deposit Accounts,” which supersede any information in this brochure. See the most current Terms & Charges Disclosure, Electronic Banking 37. The Annual Percentage Rate (APR) for purchases is Prime + 9.99% and will vary with the market, Services Information Statement and EFT Facility Charges Disclosure for more information. Credit based on the Prime Rate. APR for Loans is Prime +17.99%. The Prime Rate used is the highest cards and loans require an application and credit approval. domestic U.S. Prime Rate published in the “Money Rates“ chart of The Wall Street Journal on the first business day of the preceding calendar quarter. ©2021 HSBC Bank USA, N.A. 38. Business Lines of Credit standard interest rates range from Prime plus 2.25% to Prime plus 8.25%, MKT3296_2021_07 depending on creditworthiness and collateral. Certain rate reductions may be available based on your relationship and other products and services you may have with HSBC Bank, USA, N.A. As of March 16, 2020, the HSBC Prime Rate is 3.25%, and the range of interest rates on Business Lines of Credit is from 5.50% to 11.50%. The HSBC Prime Rate is the rate publicly announced by HSBC Bank USA, N.A. as its Prime Rate and is subject to change. Rate ranges are also subject to change. Variable interest rates are determined by adding the applicable spread to the HSBC Prime Rate. 39. Term Loans are priced as follows, for duration of loan. For two and three-year terms the interest rate applied ranges from 6.50% to 12.50%. For four and five-year terms the interest rate applied ranges from 7.40% to 13.40%. 40. HSBC Equipment Financing refers to a Revolving Credit Term Loan where the first year can be used as a line of credit with a variable rate ranging from Prime plus 2.25% to Prime plus 8.25%. Following the first year, the outstanding balance will be converted to a fixed rate loan at current applicable loan pricing and payable in monthly installments. Certain rate reductions may be available based on your relationship and other products and services you may have with HSBC Bank, USA, N.A. As of March 16, 2020 the HSBC Prime Rate is 3.25%. The HSBC Prime Rate is the rate publicly announced by HSBC Bank USA, N.A. as its Prime Rate and is subject to change. Rate ranges are also subject to