Dear XXXXXX,

We hope you’ve enjoyed watching your savings grow with our high rate over the summer. Although our summer high-rate promotion has come to an end, your opportunity to get a high rate from HSBC Direct has not.

For your Online Savings Account balances, you’ll continue to get one of the highest savings rates anywhere. As of September 16, 2008, you will earn 3.25% APY*, which is 8x the national statement savings average± and 0.20% above the everyday rate we were offering you prior to our summer promotion.

And now you have another opportunity to get a great rate from HSBC Direct. We are offering 3.75% APY*** on a short-term six-month Online CD.

Our goal is to always help you reach your savings goals faster. So enjoy our new everyday rate, and take advantage of a 3.75% APY*** with a six-month Online CD now.

Thank you for saving with HSBC Direct.

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

HSBC Direct deposit accounts offered by HSBC Bank USA, N.A. Member FDIC.

* Annual Percentage Yield (APY) for the Online Savings Account accurate as of 09/16/08. APY is variable and subject to change. Minimum balance to open is $1.00.

*** Annual Percentage Yield (APY) is accurate as of 09/16/2008. A penalty will be imposed for early withdrawal. Minimum balance to open and obtain APY is $10. Offer subject to change without notice 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 04/09/08 courtesy of Bankrate.com. HSBC Direct Online Savings Account APY is currently 8 times the national statement savings average APY.

ACCOUNT-RELATED QUESTIONS
Do not reply to this email with account–related questions. If you wish to submit an account-related question electronically, please log-in to Internet Banking and click BankMail.

The source of this email alert notice is HSBC Bank USA, N.A. HSBC is located at One HSBC Center, Buffalo, NY 14203.

Our postal address:
HSBC Bank USA, N.A.
P.O. Box 4045
Buffalo, NY 14240.

Our phone number: 1-888-404-4050

Dear XXXXXXX,
Customer Number: XXXXXXX
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