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Terms:

Offer valid when you begin a new Plus relationship and deposit a minimum of $8,000 in new money to any qualifying personal account between October 19, 2009 and December 11, 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, and must be in addition to existing deposit balances. The Annual Percentage Yield (APY) and balance for Plus Checking which is accurate as of 11/16/2009 is 0.01% APY on balances of $5.00 or more. APY is variable and subject to change. Charges and fees may reduce earnings. To avoid a monthly $15 maintenance fee for Plus Checking, you need to maintain $15,000 in total combined balances including personal deposit, investment, and qualifying credit balances. 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, good while supplies last. Promotion may be modified or withdrawn at any time without notice. Any gift not redeemed by April 30, 2010 will be forfeited. The cost of the gift will be reported on IRS Form 1099. Plus relationship must remain open for a minimum of six months or value of gift will be deducted from account proceeds at closing. Roku® user responsible for applicable rental or subscription fees for streaming movies.