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Terms:

To be eligible to receive the gift, new to bank customers must open an ExtraVantage Checking for Business or BusinessSmart for Professionals account by November 13, 2009 and open an HSBC Debit MasterCard BusinessCard with PayPass™ and make three purchase transactions within 45 days of account opening. Depending on purchase amount, signature may be required. Transactions from unauthorized card use or made with lost, stolen or fraudulent HSBC Debit MasterCard® BusinessCard with PayPass™ cards are void. The cost of the gift will be reported on IRS Form 1099 (not applicable to tax exempt businesses). Limit of one nontransferable gift per business customer or business group. Account adjustment transactions/returns are not considered eligible for this offer. Offer not combined, good while supplies last and expires on November 13, 2009. Any gift not redeemed by March 31, 2010 will be forfeited. Qualifying customers will be notified via mail within 90 days of opening an account; notification will include instructions for redeeming gift of choice.