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.

In these challenging times we remain committed to keeping our customers fully informed. We wanted to let you know that as of May 15, 2009, the Online Savings Account rate was adjusted to 1.55% APY*. This rate is still five times the national statement savings average± and, of course, the Online Savings Account has no monthly fees and is FDIC insured to the maximum permitted by law.†

I also wanted to share some interesting information with you that we learned through a recent research study we conducted as part of our continuing efforts to better understand and serve our customers. The results provide valuable insight into the way different people think about saving.

• Active Savers, a group of people characterized by their dedication to saving, entered the recession better prepared than others because of their savings lifestyle. They have not had to take drastic measures to adapt to uncertain financial times and are less likely to have had to cut back on spending, eating out, and making large purchases.
• For more than half (57 percent) of Active Savers, learning to save started at a young age. Putting money away is a value their parents instilled in them (73 percent).
• Savings comes first for nearly half (46 percent) of Active Savers. They’re willing to make sacrifices in order to be able to put money away.
• Overall, a majority of the population has not allowed the economy to hamper their savings plans—81 percent have been able to put the same amount away, if not more.

For more details on this research, please click here.

I remain committed to informing you of any changes to your account with us and thank you for your continuing support.

Sincerely,

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

The economic environment continues to be challenging. We are seeing lots of activity in the financial markets and from the Federal Reserve. In light of recent changes, we have updated your interest rate. Your Online Savings Account rate has been adjusted to 1.65% APY* as of March 30, 2009.

We want to reassure you that HSBC Direct continues to be one of the wisest places to save. A recent Bankrate.com article looked at savings options in the marketplace and reported:

Bankrate surveys show that the average yield for a three-month CD is 0.86 percent. Six-month CDs are paying 1.14 percent and you’ll get about 1.37 percent if you sign up for a year. Money market accounts are typically yielding 0.49 percent, and interest-bearing checking accounts, a paltry 0.16 percent.**

Your Online Savings Account currently earns you more than any of these average rates.

You made a smart decision entrusting your money to HSBC Direct. We’re part of HSBC Group, one of the most highly capitalized financial organizations in the world—which has not required capital support from the U.S. or U.K. governments.

Thanks again for saving with HSBC Direct.

Sincerely,

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

P.S.: We are committed to offering our customers a range of savings options for their various needs. For a look at our range of high–rate Online CDs, click here.

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

* Annual Percentage Yield (APY) for the Online Savings Account is accurate as of 03/30/2009. APY is variable and subject to change. Minimum deposit to open is $1.00.

** “High-yield checking: A good bet.” March 24, 2009.

Dear XXXXXXX,

At HSBC Direct, we are committed to letting you know when your Online Savings Account rate changes. As of January 26, your rate has been adjusted to 2.45% APY*. While we had to make this change in response to the current interest rate environment, your Online Savings Account currently earns you five times the national statement savings average.±

HSBC Direct is part of HSBC Group with more than 140 years of history in helping our customers achieve their financial goals.

We also offer you competitive savings options via a multitude of CD offers, including our 2.75% APY*** for a 12-month term. As an HSBC Direct customer, you can apply in just minutes. Simply click here to learn about our latest rates.

Thank you for your continued support and your saving with HSBC Direct.

Learn More

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

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

* Annual Percentage Yield (APY) for the Online Savings Account is accurate as of 01/29/2009. APY is variable and subject to change. Minimum deposit to open is $1.00. No regular monthly or transaction fees. Other account-related charges may apply (e.g., NSF, stop payment order, and returned item fees).

*** Annual Percentage Yield (APY) for the Online CD Account is accurate as of 01/29/2009. 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.

± National Statement Savings Average located at http://bankrate.com/brm/publ/passbk.asp?caret=2 in the Passbook/Statement Savings survey results as of 10/15/08, courtesy of Bankrate.com.

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Important News About Your Online Savings Account

You have probably seen the recent news about the Federal Reserve lowering its target rate to an historic low, a range of between 0% and 0.25%. Recognizing this change and the overall interest rate environment, the new rate on your Online Savings Account is 2.60% APY*, effective January 5, 2009. We will continue to monitor the market and advise you should there be any future changes.

Despite this change, your HSBC Direct Online Savings Account remains a great place to save. With no fees§§ or minimums and a rate that is more than 6x the national statement savings average± it makes sure that every dollar you have with us is hard at work, helping to bring you closer to your financial goals.

HSBC Direct is part of HSBC Group with more than 140 years of history in helping our customers achieve their financial goals. HSBC Group remains one of the world’s largest financial institutions with 10,000 branches in 85 countries and territories.

In the current market environment saving and careful money management is more important than ever and at HSBC we are committed to helping you. HSBC Direct currently offers leading rates on a range of CDs, including our 3.00% APY*** for a 12-month term. You can apply in just minutes, and have the comfort of a fixed rate deposit. Simply click here to learn about our latest rates.

Thank you for your continued support and best wishes for a successful 2009.

Learn More

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

P.S. You might be interested to know that HSBC recently created a $5 billion lending fund to support small businesses in the U.S. Click here for more details.

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

* Annual Percentage Yield (APY) is accurate as of 01/05/2009. APY is variable and subject to change. Minimum deposit to open is $1.00.

§§ No regular monthly or transaction fees. Other account-related charges may apply (e.g., NSF, stop payment order, and returned item fees).

± National Statement Savings Average located at http://bankrate.com/brm/publ/passbk.asp?caret=2 in the Passbook/Statement Savings survey results as of 10/15/08 courtesy of Bankrate.com. HSBC Direct Online Savings Account APY is currently 6 times the national statement savings average APY.

*** Annual Percentage Yield (APY) is accurate as of 01/05/2009. 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.

Dear XXXXXXX,

Peace of mind is what most people are looking for right now. That’s why we are offering a short-term, high rate Online CD that works particularly hard for you.

* 4.00% APY*** Online CD.
* Short 6-month term.
* FDIC Insured.†

HSBC Direct is part of HSBC Group, one of the largest financial institutions in the world. Our goal is to help you reach your savings goals faster.

Sincerely,
Your Online Savings Team

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

*** Annual Percentage Yield (APY) is accurate as of 10/08/2008. A penalty may be imposed for early withdrawal. Minimum balance to open and obtain listed APYs for all HSBC Direct CD’s is $10. Offer subject to change without notice and applies only to accounts opened through HSBCdirect.com.

PS: And now, we have improved our sign-up. It only takes a few clicks to apply. So log in and take advantage of this great rate today.
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Dear XXXXXX,

Savvy spenders make savvy savers. Especially when it comes to credit cards. Which is why we’d like to tell you about the HSBC Platinum MasterCard® with Cash or Fly Rewards, a credit card where you save when you spend:

• Save on interest: 0%* Introductory APR means no interest on card purchases and balance transfers for the first 12 months of your account.
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• Save with points: Earn one point for every dollar you spend. Then choose to redeem your points for 1% Cash Back or Airfare with no blackout dates.

HSBC is offering a whole range of credit cards. There’s one that will be perfect for you and the way you save and spend your money. We invite you to learn more today.

Sincerely,
Your HSBC Direct Team

*Rates are accurate as of Aug 15, 2008. The Introductory APR for 12 months does not apply to cash advances. A 3% ($5 minimum/$50 maximum) cash advance fee will apply to all cash advances, unless otherwise disclosed. A Cash Advance Fee of 3% ($5 minimum/$75 maximum) will apply to all balance transfers, unless otherwise disclosed. After the Introductory Period, the variable Customary APR will apply. The variable Customary APR is between 8.74% and 18.55%, depending on your creditworthiness. We will increase your Introductory APR to your variable Default APR if you fail to make a payment to us when due or you exceed your credit limit. The variable Default APR is 28.99%. The variable Cash APR for cash advances and overdrafts is 20.99%. The Minimum Finance Charge is $1. The Overdraft Fee, is 3% of the overdraft amount, or $5, whichever is greater, if applicable. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency. We apply payments to lower APR balances before higher APR balances.

We have the right to change your APRs, fees and other terms at any time, for any reason in accordance with your Cardmember Agreement and applicable law. These cards are issued by HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. and are serviced by its affiliates, HSBC Card Services Inc. and/or HSBC Card Services (II) Inc.

§ It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, which may not include a 0% Introductory APR and/or a rewards feature, and with different terms and conditions which will be disclosed to you before your application is processed.

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