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This communication is provided to you for informational purposes only and is not a recommendation, offer or solicitation to purchase or sell any service, product, security, commodity, currency or other instrument. This communication does not consider your specific objectives, circumstances or needs, does not provide legal or tax advice, and does not identify or define any or all of the risks that may be associated with the purchase of products or services described herein. The information contained herein should not be construed as investment advice or a recommendation to purchase the products or securities described herein. Prior to making a financial or investment decision, you should conduct such investigation and analysis regarding the products described herein as you deem appropriate and to the extent you deem necessary obtain independent advice from competent legal, financial, tax, accounting and other professionals. No person is authorized to use this communication for any purpose other than the purpose stated above.

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HSBC Private Banking is the marketing name for the private banking business conducted by the principal private banking subsidiaries of the HSBC Group worldwide. In the United States, HSBC Private Banking offers banking services through HSBC Bank USA, N.A., trust services through HSBC Bank USA, N.A., Delaware trust services through HSBC Bank USA, N.A. – Delaware Trust Office and HSBC Trust Company (Delaware), N.A., securities and brokerage services through HSBC Securities (USA) Inc., member NYSE/ FINRA/SIPC and an affiliate of HSBC Bank USA, N.A., and traditional insurance products through HSBC Insurance Agency, (USA) Inc. affiliate of HSBC Bank, USA, N.A. HSBC Bank USA, N.A. is a Member FDIC. Private Banking may be carried out internationally by different HSBC legal entities according to local regulatory requirements. Some services are not available in certain locations.

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