An update regarding your Online Savings Account

Thu, Aug 13, 2009 at 1:37 PM

Dear XXXXXX,

Thank you for choosing HSBC Direct for your savings needs. We wanted to let you know that your Online Savings Account rate was adjusted to 1.45% APY* as of 8/12/2009. The HSBC Direct Online Savings Account remains a competitive option in the marketplace, with a rate 4x the national statement savings average.±

To get the most out of your Online Savings Account, make sure to set up recurring bank–to–bank transfers or direct deposit into your Online Savings Account so your money keeps growing every month.

HSBC Direct also offers a range of competitively priced Online CDs. Consider our 2.00% APY*** 12-month Online CD. As always, your savings are FDIC insured to the maximum permitted by law.†

Thanks again for being an HSBC Direct customer.

Sincerely,

Kevin Martin
Executive Vice President
Head of HSBC Direct U.S.

* Annual Percentage Yield (APY) for the Online Savings Account is accurate as of 08/12/2009. APY is variable and subject to change. Minimum deposit to open is $1.00.

± National Statement Savings Average located at http://bankrate.com/brm/publ/passbk.asp?caret=2 in the Passbook/Statement Savings survey results as of 4/15/09 courtesy of Bankrate.com. HSBC Direct Online Savings Account APY is currently 4 times the national statement savings average APY.

*** Annual Percentage Yield (APY) for the Online CD is accurate as of 08/12/2009. A penalty may be imposed for early withdrawal. Minimum balance to open and obtain APY is $10. APY subject to change without notice prior to account opening and funding and applies only to accounts opened through hsbcdirect.com.

† HSBC Direct deposit accounts in the U.S. are offered by HSBC Bank USA, N.A. Member FDIC. Deposits are insured to the maximum permitted by law.

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