<SEC-DOCUMENT>0001104659-20-056045.txt : 20200504
<SEC-HEADER>0001104659-20-056045.hdr.sgml : 20200504
<ACCEPTANCE-DATETIME>20200504115908
ACCESSION NUMBER: 0001104659-20-056045
CONFORMED SUBMISSION TYPE: 424B2
PUBLIC DOCUMENT COUNT: 6
FILED AS OF DATE: 20200504
DATE AS OF CHANGE: 20200504
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: HSBC USA INC /MD/
CENTRAL INDEX KEY: 0000083246
STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021]
IRS NUMBER: 132764867
STATE OF INCORPORATION: MD
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 424B2
SEC ACT: 1933 Act
SEC FILE NUMBER: 333-223208
FILM NUMBER: 20843574
BUSINESS ADDRESS:
STREET 1: 452 FIFTH AVE
CITY: NEW YORK
STATE: NY
ZIP: 10018
BUSINESS PHONE: 212-525-5000
MAIL ADDRESS:
STREET 1: 452 FIFTH AVENUE
CITY: NEW YORK
STATE: NY
ZIP: 10018
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>tm2017789d64_424b2.htm
<DESCRIPTION>PRIING SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">
<P STYLE="margin: 0"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center; border-bottom: Black 1pt solid; width: 33%; padding-bottom: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Title of Each Class<BR>
of Securities Offered</B></FONT></TD>
<TD STYLE="width: 3%; padding-bottom: 12pt"> </TD>
<TD STYLE="text-align: center; border-bottom: Black 1pt solid; width: 30%; padding-bottom: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Maximum <BR>
Aggregate Offering Price</B></FONT></TD>
<TD STYLE="width: 3%; padding-bottom: 12pt"> </TD>
<TD STYLE="text-align: center; border-bottom: Black 1pt solid; width: 31%; padding-bottom: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Amount of<BR>
Registration Fee<SUP>(1) </SUP></B></FONT></TD></TR>
<TR>
<TD STYLE="text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Debt Securities</FONT></TD>
<TD STYLE="vertical-align: top"> </TD>
<TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$564,000</FONT></TD>
<TD STYLE="vertical-align: top; text-align: center"> </TD>
<TD STYLE="vertical-align: bottom; padding-bottom: 5.75pt; text-align: center">$73.21</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(1)</SUP></FONT>
Calculated in accordance with Rule 457(r) of the Securities Act of 1933, as amended.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">Filed
Pursuant to Rule 424(b)(2)</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">Registration
No. 333-223208</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">April
30, 2020 </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">PRIING
SUPPLEMENT</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">(To
Prospectus dated February 26, 2018,</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">Prospectus
Supplement dated February 26, 2018 and </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal">Equity
Index Underlying Supplement dated February 26, 2018)</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-weight: normal"></FONT> </P>
<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 18pt">HSBC
USA Inc. </FONT><BR>
<FONT STYLE="font-size: 12pt">$564,000 Barrier Enhanced Participation Notes</FONT></P>
<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"> </FONT></P>
<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"></FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; color: white; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Webdings; color: Black">4</FONT></TD><TD><FONT STYLE="color: Black">Barrier Enhanced
Participation Notes linked to the least performing of the Dow Jones Industrial Average<SUP>®
</SUP>and the S&P 500<SUP>® </SUP>Index</FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; color: white; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"><FONT STYLE="font-family: Webdings; color: Black">4</FONT></TD><TD><FONT STYLE="color: Black">Maturity of 3 years</FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; color: white; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"><FONT STYLE="font-family: Webdings; color: Black">4</FONT></TD><TD><FONT STYLE="color: Black">1.19x uncapped exposure
to any positive return of the Least Performing Underlying</FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; color: white; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"><FONT STYLE="font-family: Webdings; color: Black">4</FONT></TD><TD><FONT STYLE="color: Black">Contingent repayment
of principal if the Reference Return of the Least Performing Underlying is greater than
or equal to the Barrier Percentage of -30%</FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; color: white; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"><FONT STYLE="font-family: Webdings; color: Black">4</FONT></TD><TD><FONT STYLE="color: Black">1x exposure to any
negative Reference Return of the Least Performing Underlying if its Reference Return
is less than -30%</FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; color: white; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.2in"><FONT STYLE="font-family: Webdings; color: Black">4</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: Black">Any
payments on the securities are subject to the credit risk of HSBC USA Inc.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"> </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt auto; text-align: justify">The Barrier
Enhanced Participation Notes linked to the least performing of the Dow Jones Industrial Average® and the S&P 500®
Index (each a “security” and collectively the “securities") offered hereunder will not be listed on any
U.S. securities exchange or automated quotation system. The securities will not bear interest.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.4in 0pt 0.5in; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt auto; text-align: justify">Neither the
U.S. Securities and Exchange Commission (the “SEC”) nor any state securities commission has approved or disapproved
of the securities or passed upon the accuracy or the adequacy of this document, the accompanying prospectus, prospectus supplement
or Equity Index Underlying Supplement. Any representation to the contrary is a criminal offense.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.4in 0pt 0.5in; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt auto; text-align: justify">We have appointed
HSBC Securities (USA) Inc., an affiliate of ours, as the agent for the sale of the securities. HSBC Securities (USA) Inc. will
purchase the securities from us for distribution to other registered broker-dealers or will offer the securities directly to investors.
In addition, HSBC Securities (USA) Inc. or another of its affiliates or agents may use this pricing supplement in market-making
transactions in any securities after their initial sale. Unless we or our agent informs you otherwise in the confirmation of sale,
this pricing supplement is being used in a market-making transaction. See “Supplemental Plan of Distribution (Conflicts
of Interest)” on page PS-12 of this document.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.4in 0pt 0.5in; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt auto; text-align: justify"><B>Investment
in the securities involves certain risks. You should refer to “Risk Factors” beginning on page PS-6 of this document,
page S-1 of the accompanying prospectus supplement and page S-1 of the accompanying Equity Index Underlying Supplement.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.4in 0pt 0.5in; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt auto; text-align: justify">The Estimated
Initial Value of the securities on the Pricing Date is $953.20 per security, which is less than the price to public. The market
value of the securities at any time will reflect many factors and cannot be predicted with accuracy. See “Estimated Initial
Value” on page PS-3 and “Risk Factors” beginning on page PS-6 of this document for additional information.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.4in 0pt 0.5in; text-align: justify"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
<TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; width: 25%; padding-top: 6pt; text-align: justify"> </TD>
<TD STYLE="border-bottom: Black 1pt solid; width: 25%; padding-top: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Price
to Public</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; width: 25%; padding-top: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting
Discount1</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; width: 25%; padding-top: 6pt; padding-left: 0.05in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds
to Issuer</FONT></TD></TR>
<TR>
<TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Per
security</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-left: 5.4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-left: 5.4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-left: 0.05in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000</FONT></TD></TR>
<TR>
<TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-left: 5.4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$564,000</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-left: 5.4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-left: 0.05in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$564,000</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt auto; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>1
</SUP></FONT>HSBC USA Inc. or one of our affiliates may pay referral fees of up to 1.20% per $1,000 Principal Amount in connection
with the distribution of the securities to other registered broker-dealers. Neither HSBC USA Inc. nor any of its affiliates will
pay an underwriting discount. See “Supplemental Plan of Distribution (Conflicts of Interest)” on page PS-12 of this
document.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.4in 0pt 0.5in; text-align: left"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 28.7pt 0pt 0.5in; text-align: center"><B>The Securities:</B> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
<TD STYLE="border-left: Black 1pt solid; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt 5.4pt; width: 34%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Are
Not FDIC Insured</B></FONT></TD>
<TD STYLE="border-left: Black 1pt solid; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt 5.4pt; width: 33%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Are
Not Bank Guaranteed</B></FONT></TD>
<TD STYLE="border: Black 1pt solid; padding: 3pt 5.4pt; width: 33%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>May
Lose Value</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"> </P>
<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><IMG SRC="tm2017789d64_424b2img001.jpg" ALT=""> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><B></B> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"></P>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 50%"><P STYLE="color: red; font: 14pt Times New Roman, Times, Serif; margin: 0pt 0">HSBC USA Inc.</P>
<P STYLE="font: 14pt Times New Roman, Times, Serif; color: red; margin: 0pt 0">Barrier
Enhanced Participation Notes</P>
</TD>
<TD STYLE="text-align: right; width: 50%; vertical-align: top"><IMG SRC="tm2017789d64_424b2img002.jpg" ALT=""> </TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B>Linked
to the Least Performing of the Dow Jones Industrial Average<SUP>®</SUP> and the S&P 500</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>®
</SUP></FONT>Index</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"> </P>
<P STYLE="color: #777777; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777">This
document relates to a single offering of Barrier Enhanced Participation Notes. The securities will have the terms described in
this document and the accompanying prospectus supplement, prospectus and Equity Index Underlying Supplement. If the terms of the
securities offered hereby are inconsistent with those described in the accompanying prospectus supplement, prospectus or Equity
Index Underlying Supplement, the terms described in this document shall control.</FONT> <B>You should be willing to forgo interest
and dividend payments during the term of the securities and, if the Reference Return of the Least Performing Underlying (each as
defined below) is less than -30%, lose up to 100% of your principal. </B></P>
<P STYLE="color: #777777; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B> </B></P>
<P STYLE="color: #777777; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>This document relates
to an offering of securities linked to the least performing of the Dow Jones Industrial Average<SUP>®</SUP> and the S&P
500<SUP>®</SUP> Index. The purchaser of a security will acquire a senior unsecured debt security of HSBC USA Inc. linked to
the Underlyings as described below. The following key terms relate to the offering of securities:</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; color: #777777; margin: 0pt 0; text-align: justify"><B> </B></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 25%; padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Issuer:</B></FONT></TD>
<TD STYLE="width: 75%; padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">HSBC USA Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Principal Amount:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">$1,000 per security</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Reference Asset:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">The Dow Jones Industrial Average<SUP>®</SUP> (Ticker: “INDU”) and the S&P 500</FONT><SUP>®</SUP> Index (Ticker: “SPX”) (each, an “Underlying” and together the “Underlyings”)</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Trade Date:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">April 30, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Pricing Date:	</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">April 30, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Original Issue Date:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">May 5, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Final Valuation Date:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">May 2, 2023, subject to adjustment as described under “Additional Terms of the Notes—Valuation Dates” in the accompanying Equity Index Underlying Supplement.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Maturity Date:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">May 5, 2023. The Maturity Date is subject to adjustment as described under “Additional Terms of the Notes—Coupon Payment Dates, Call Payment Dates and Maturity Date” in the accompanying Equity Index Underlying Supplement.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Upside Participation Rate:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">119.00% (1.19x)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Payment at Maturity:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">On the Maturity Date, for each security, we will pay you the Final Settlement Value.</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Final Settlement Value:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B><I>If
the Reference Return of each Underlying is positive, </I></B></FONT>you will receive a cash payment on the Maturity Date, per $1,000
Principal Amount of the securities, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt"> </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">$1,000 + ($1,000 × Reference Return of the Least Performing
Underlying × Upside Participation Rate).</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt"> </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B><I>If
the Reference Return of the Least Performing Underlying is less than or equal to zero but greater than or equal to the Barrier
Percentage, </I></B></FONT>you will receive $1,000 per $1,000 Principal Amount (zero return).</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt"> </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B><I>If
the Reference Return of either Underlying is less than the Barrier Percentage, </I></B></FONT>you will receive a cash payment on
the Maturity Date, per $1,000 Principal Amount, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt"> </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">$1,000 + ($1,000 × Reference Return of the Least Performing
Underlying).</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt"> </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Under these circumstances, you will lose 1% of the Principal
Amount for each percentage point that the Final Level of the Least Performing Underlying has decreased from its Initial Level.
<B>If the Final Level of the Least Performing Underlying is less than 30% of its Initial Level, you will lose some or all of your
investment.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt"> </FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For example, if the Reference Return of the Least Performing
Underlying is -40%, you will incur a 40% loss and receive 60% of the Principal Amount, subject to the credit risk of the Issuer.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt"> </FONT></P></TD></TR>
<TR>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Maximum Cap:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">None</FONT></TD></TR>
<TR>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Least Performing Underlying:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Underlying with the lowest Reference Return.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Reference Return:	</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">With respect to each Underlying, the quotient, expressed as a percentage, calculated as follows:</FONT></TD></TR>
<TR>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B> </B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 69.85pt"><U>Final Level – Initial Level</U></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 69.85pt; text-indent: 0.5in">Initial Level </P></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Barrier Percentage:</B></FONT></TD>
<TD STYLE="padding-top: 1pt; padding-right: 9.35pt; padding-bottom: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-30%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Initial Level:	</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24,345.72 with respect to the INDU and 2,912.43 with respect to the SPX, each of which was its Official Closing Level on the Pricing Date.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Final Level:	</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">With respect to each Underlying, its Official Closing Level on the Final Valuation Date.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>CUSIP/ISIN:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40438CEY3 / US40438CEY30</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Form of Securities:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Book-Entry</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"> </P>
<P STYLE="margin: 0"></P>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt; width: 25%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Listing:</B></FONT></TD>
<TD STYLE="padding: 1.45pt 2.15pt 3pt; width: 75%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The securities will not be listed on any U.S. securities exchange or quotation system.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 1.45pt 2.15pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #777777"><B>Estimated Initial Value</B></FONT><B><FONT STYLE="color: #777777">:</FONT></B></TD>
<TD STYLE="padding: 1.45pt 2.15pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Estimated Initial Value of the securities is less than the price you pay to purchase the securities. The Estimated Initial Value does not represent a minimum price at which we or any of our affiliates would be willing to purchase your securities in the secondary market, if any, at any time. See “Risk Factors—The Estimated Initial Value of the securities, which was determined by us on the Pricing Date, is less than the price to public and may differ from the market value of the securities in the secondary market, if any.”</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>
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<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt"> </P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B>GENERAL</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This document relates to an offering of
securities. The purchaser of a security will acquire a senior unsecured debt security of HSBC USA Inc. Although the offering of
securities relates to the Underlyings, you should not construe that fact as a recommendation as to the merits of acquiring an investment
linked to either Underlying or any component security included in either Underlying or as to the suitability of an investment in
the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">You
should read this document together with the prospectus dated February 26, 2018, the prospectus supplement dated February 26, 2018
and the </FONT>Equity Index Underlying Supplement dated February 26, 2018. If the terms of the securities offered hereby are inconsistent
with those described in the accompanying prospectus supplement, prospectus or Equity Index Underlying Supplement, the terms described
in this document shall control. You should carefully consider, among other things, the matters set forth in “Risk Factors”
beginning on page PS-6 of this document, page S-1 of the prospectus supplement and page S-1 of the Equity Index Underlying Supplement,
as the securities involve risks not associated with conventional debt securities. We urge you to consult your investment, legal,
tax, accounting and other advisors before you invest in the securities. As used herein, references to the “Issuer”,
“HSBC”, “we”, “us” and “our” are to HSBC USA Inc.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">HSBC
has filed a registration statement (including a prospectus, prospectus supplement and </FONT>Equity Index Underlying Supplement)
with the SEC for the offering to which this document relates. Before you invest, you should read the prospectus, prospectus supplement
and Equity Index Underlying Supplement in that registration statement and other documents HSBC has filed with the SEC for more
complete information about HSBC and this offering. You may get these documents for free by visiting EDGAR on the SEC’s web
site at www.sec.gov. Alternatively, HSBC Securities (USA) Inc. or any dealer participating in this offering will arrange to send
you the prospectus, prospectus supplement and Equity Index Underlying Supplement if you request them by calling toll-free 1-866-811-8049.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You may also obtain:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">The Equity Index Underlying Supplement at: <FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/83246/000114420418010782/tv486722_424b2.htm" STYLE="-sec-extract: exhibit">https://www.sec.gov/Archives/edgar/data/83246/000114420418010782/tv486722_424b2.htm</A></FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">The prospectus supplement at: <FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/83246/000114420418010762/tv486944_424b2.htm" STYLE="-sec-extract: exhibit">https://www.sec.gov/Archives/edgar/data/83246/000114420418010762/tv486944_424b2.htm</A></FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">The prospectus at: <FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/83246/000114420418010720/tv487083_424b3.htm" STYLE="-sec-extract: exhibit">https://www.sec.gov/Archives/edgar/data/83246/000114420418010720/tv487083_424b3.htm</A></FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B>PAYMENT AT MATURITY</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the Maturity Date, for each security
you hold, we will pay you the Final Settlement Value, which is an amount in cash, as described below:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B>If
the Reference Return of each Underlying is positive,</B></FONT> you will receive a cash payment on the Maturity Date, per $1,000
Principal Amount of the securities, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 21.3pt">$1,000 + ($1,000 ×
Reference Return of the Least Performing Underlying × Upside Participation Rate)</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 21.3pt"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B>If
the Reference Return of the Least Performing Underlying is less than or equal to zero but greater than or equal to the Barrier
Percentage,</B></FONT> you will receive $1,000 per $1,000 Principal Amount (zero return).</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B>If
the Reference Return of either Underlying is less than the Barrier Percentage,</B></FONT> you will receive a cash payment on the
Maturity Date, per $1,000 Principal Amount of the securities, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 21.3pt">$1,000 + ($1,000 ×
Reference Return of the Least Performing Underlying).</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 21.3pt"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Under these circumstances, you will lose
1% of the Principal Amount for each percentage point that the Final Level of the Least Performing Underlying has decreased from
its Initial Level. <B>If the Final Level of the Least Performing Underlying is less than 30% of its Initial Level, you will lose
some or all of your investment.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><B>Interest</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities will not pay interest.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><B>Calculation Agent</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We or one of our affiliates will act as
calculation agent with respect to the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"><B>Reference
Sponsor</B></FONT>s</P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The reference sponsor for the INDU and
the SPX is S&P Dow Jones Indices LLC, a division of S&P Global.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
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<DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt"> </P></DIV>
<!-- Field: /Page -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B>INVESTOR SUITABILITY</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"> </P>
<DIV STYLE="float: left; width: 49%">
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>The securities may be suitable for you if:</B></FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You seek an investment with an enhanced return linked to the least performing of the Underlyings
and you believe the Reference Return of the Least Performing Underlying will be above the Barrier Percentage.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are willing to make an investment that is exposed to any negative Reference Return of the Least
Performing Underlying on a 1-to-1 basis if the Reference Return of the Least Performing Underlying is less than the Barrier Percentage.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You understand and accept that your investment may not provide full return of principal.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are willing to accept the risk and return profile of the securities versus a conventional debt
security with a comparable maturity issued by HSBC or another issuer with a similar credit rating.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are willing to forgo dividends or other distributions paid to holders of the stocks included
in either Underlying.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You do not seek current income from your investment.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You do not seek an investment for which there is an active secondary market.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are willing to hold the securities to maturity.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are comfortable with the creditworthiness of HSBC, as Issuer of the securities.</TD>
</TR></TABLE>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0"> </P>
</DIV>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0"></P>
<DIV STYLE="float: right; width: 49%">
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0">The securities may not be suitable for you if:</P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You believe that the Reference Return of at least one Underlying will be less than the Barrier
Percentage or that the Reference Return will not be sufficiently positive to provide you with your desired return.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are unwilling to make an investment that is exposed to any negative Reference Return of the
Least Performing Underlying on a 1-to-1 basis if the Reference Return of the Least Performing Underlying is less than the Barrier
Percentage.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You seek an investment that provides full return of principal.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You prefer the lower risk, and therefore accept the potentially lower returns, of conventional
debt securities with comparable maturities issued by HSBC or another issuer with a similar credit rating.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You prefer to receive the dividends or other distributions paid on the stocks included in either
Underlying.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You seek current income from your investment.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You seek an investment for which there will be an active secondary market.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are unable or unwilling to hold the securities to maturity.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">You are not willing or are unable to assume the credit risk associated with HSBC, as Issuer
of the securities.</TD>
</TR></TABLE>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0"> </P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0"></P>
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</DIV>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt auto 0pt 0"></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"></P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B>RISK FACTORS</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">We
urge you to read the section “Risk Factors” beginning on page S-1 in the accompanying prospectus supplement and
on </FONT>page S-1 of the accompanying Equity Index Underlying Supplement. Investing in the securities is not equivalent to investing
directly in any of the stocks included in either Underlying. You should understand the risks of investing in the securities and
should reach an investment decision only after careful consideration, with your advisors, of the suitability of the securities
in light of your particular financial circumstances and the information set forth in this document and the accompanying Equity
Index Underlying Supplement, prospectus supplement and prospectus.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">In
addition to the risks discussed below, you should review “Risk Factors” in the accompanying prospectus supplement and
</FONT>Equity Index Underlying Supplement including the explanation of risks relating to the securities described in the following
sections:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">“— Risks Relating to All Note Issuances” in the prospectus supplement; and</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">“— General Risks Related to Indices” in the Equity Index Underlying Supplement.</TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">You will be subject to
significant risks not associated with conventional fixed-rate or floating-rate debt securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Your investment in the securities
may result in a loss.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">You
will be exposed to the decline in the Least Performing Underlying from the Pricing Date to the Final Valuation Date on a 1-to-1
basis if</FONT> the Reference Return of the Least Performing Underlying is less than the Barrier Percentage. Accordingly, your
Payment at Maturity will be less than the Principal Amount of the securities. <B>If the Final Level of the Least Performing Underlying
is less than 30% of its Initial Level, you will lose some or all of your investment.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Since the securities are linked to the
performance of more than one Underlying, you will be fully exposed to the risk of fluctuations in the level of each Underlying.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Since the securities are linked to the
performance of more than one Underlying, the securities will be linked to the individual performance of each Underlying. Because
the securities are not linked to a weighted basket, in which the risk is mitigated and diversified among all of the components
of a basket, you will be exposed to the risk of fluctuations in the levels of the Underlyings to the same degree for each Underlying.
For example, in the case of securities linked to a weighted basket, the return would depend on the weighted aggregate performance
of the basket components reflected as the basket return. Thus, the depreciation of any basket component could be mitigated by the
appreciation of another basket component, as scaled by the weightings of such basket components. However, in the case of these
securities, the individual performance of each of the Underlyings would not be combined to calculate your return and the depreciation
of either of the Underlyings would not be mitigated by the appreciation of the other Underlying. Instead, your return would depend
on the Least Performing Underlying.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The amount payable on the securities
is not linked to the levels of the Underlyings at any time other than on the Final Valuation Date. </B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">The Final
Levels of the Underlyings will be based on the Official Closing Levels of the Underlyings on the Final Valuation Date, subject
to postponement for non-trading days and certain market disruption events. Even if the level of the Least Performing Underlying
appreciates during the term of the securities other than on the Final Valuation Date but then decreases on the Final Valuation
Date, the Payment at Maturity may be less, and may be significantly less, than it would have been had the Payment at Maturity been
linked to the level of the Least Performing Underlying prior to such decrease. Although the actual levels of the Underlyings on
the Maturity Date or at other times during the term of the securities may be higher than their respective Final Levels, the Payment
at Maturity will be based solely on the Official Closing Levels of the Underlyings on the Final Valuation Date.</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Credit risk of HSBC USA Inc.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities are senior unsecured debt
obligations of the Issuer, HSBC, and are not, either directly or indirectly, an obligation of any third party. As further described
in the accompanying prospectus supplement and prospectus, the securities will rank on par with all of the other unsecured and unsubordinated
debt obligations of HSBC, except such obligations as may be preferred by operation of law. Any payment to be made on the securities,
including any return of principal at maturity, depends on the ability of HSBC to satisfy its obligations as they come due. As a
result, the actual and perceived creditworthiness of HSBC may affect the market value of the securities and, in the event HSBC
were to default on its obligations, you may not receive the amounts owed to you under the terms of the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities will not bear interest.
</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">As a holder of the securities, you will
not receive interest payments.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Changes that affect an Underlying
may affect the market value of the securities and the amount you will receive at maturity.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The policies of a reference sponsor concerning
additions, deletions and substitutions of the stocks included in either Underlying and the manner in which that reference sponsor
takes account of certain changes affecting those stocks may affect the level of that Underlying. The policies of a reference sponsor
with respect to the calculation of the relevant Underlying could also affect the level of that Underlying. A reference sponsor
may discontinue or suspend calculation or dissemination of the relevant Underlying. Any such actions could affect the value of
the securities and the return on the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities are not insured
or guaranteed by any governmental agency of the United States or any other jurisdiction.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities are not deposit liabilities
or other obligations of a bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental
agency or program of the United States or any other jurisdiction. An investment in the securities is subject to the credit risk
of HSBC, and in the event that HSBC is unable to pay its obligations as they become due, you may not receive the full Payment at
Maturity of the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>T</B></FONT>he
Estimated Initial Value of the securities, which was determined by us on the Pricing Date, is less than the price to public and
may differ from the market value of the securities in the secondary market, if any.</P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">The Estimated
Initial Value of the securities was calculated by us on the Pricing Date and is less than the price to public. The Estimated Initial
Value reflects our internal funding rate, which is the borrowing rate we pay to issue market-linked securities, as well as the
mid-market value of the embedded derivatives in the securities. This internal funding rate is typically lower than the rate we
would use when we issue conventional fixed or floating rate debt securities. As a result of the difference between our internal
funding rate and the rate we would use when we issue conventional fixed or floating rate debt securities, the Estimated Initial
Value of the securities may be lower if it were based on the prices at which our fixed or floating rate debt securities trade in
the secondary market. In addition, if we were to use the rate we use for our conventional fixed or floating rate debt issuances,
we would expect the economic terms of the securities to be more favorable to you. We determined the value of the embedded derivatives
in the securities by reference to our or our affiliates’ internal pricing models. These pricing models consider certain assumptions
and variables, which can include volatility and interest rates. Different pricing models and assumptions could provide valuations
for the securities that are different from our Estimated Initial Value. These pricing models rely in part on certain forecasts
about future events, which may prove to be incorrect. The Estimated Initial Value does not represent a minimum price at which we
or any of our affiliates would be willing to purchase your securities in the secondary market (if any exists) at any time.</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The price of your securities in
the secondary market, if any, immediately after the Pricing Date will be less than the price to public.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">The price
to public takes into account certain costs. These costs, which will be used or retained by us or one of our affiliates, include
our affiliates’ projected hedging profits (which may or may not be realized) for assuming risks inherent in hedging our obligations
under the securities and the costs associated with structuring and hedging our obligations under the securities. If you were to
sell your securities in the secondary market, if any, the price you would receive for your securities may be less than the price
you paid for them because secondary market prices will not take into account these costs. The price of your securities in the secondary
market, if any, at any time after issuance will vary based on many factors, including the levels of the Underlyings and changes
in market conditions, and cannot be predicted with accuracy. The securities are not designed to be short-term trading instruments,
and you should, therefore, be able and willing to hold the securities to maturity. Any sale of the securities prior to maturity
could result in a loss to you.</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If we were to repurchase your securities
immediately after the Original Issue Date, the price you receive may be higher than the Estimated Initial Value of the securities.
</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming that all relevant factors remain
constant after the Original Issue Date, the price at which HSBC Securities (USA) Inc. may initially buy or sell the securities
in the secondary market, if any, and the value that may be initially used for customer account statements, if any, may exceed the
Estimated Initial Value on the Pricing Date for a temporary period expected to be approximately 6 months after the Original Issue
Date. This temporary price difference may exist because, in our discretion, we may elect to effectively reimburse to investors
a portion of the estimated cost of hedging our obligations under the securities and other costs in connection with the securities
that we will no longer expect to incur over the term of the securities. We will make such discretionary election and determine
this temporary reimbursement period on the basis of a number of factors, including the tenor of the securities and any agreement
we may have with the distributors of the securities. The amount of our estimated costs which we effectively reimburse to investors
in this way may not be allocated ratably throughout the reimbursement period, and we may discontinue such reimbursement at any
time or revise the duration of the reimbursement period after the Original Issue Date of the securities based on changes in market
conditions and other factors that cannot be predicted.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities lack liquidity.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities will not be listed on any
securities exchange. HSBC Securities (USA) Inc. is not required to offer to purchase the securities in the secondary market, if
any exists. Even if there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the securities
easily. Because other dealers are not likely to make a secondary market for the securities, the price at which you may be able
to trade your securities is likely to depend on the price, if any, at which HSBC Securities (USA) Inc. is willing to buy the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Potential conflicts of interest
may exist.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">An affiliate of HSBC has a minority equity
interest in the owner of an electronic platform, through which we may make available certain structured investments offering materials.
HSBC and its affiliates play a variety of roles in connection with the issuance of the securities, including acting as calculation
agent and hedging our obligations under the securities. In performing these duties, the economic interests of the calculation agent
and other affiliates of ours are potentially adverse to your interests as an investor in the securities. We will not have any obligation
to consider your interests as a holder of the securities in taking any action that might affect the value of your securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Uncertain tax treatment.</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For a discussion of the U.S. federal income
tax consequences of your investment in a security, please see the discussion under “U.S. Federal Income Tax Considerations”
herein and the discussion under “U.S. Federal Income Tax Considerations” in the accompanying prospectus supplement.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
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<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt"> </P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: red"><B>ILLUSTRATIVE EXAMPLES</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: red"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table and examples are provided
for illustrative purposes only and are hypothetical. They do not purport to be representative of every possible scenario concerning
increases or decreases in the level of the Least Performing Underlying relative to its Initial Level. We cannot predict the Final
Level of either Underlying. The assumptions we have made in connection with the illustrations set forth below may not reflect actual
events. You should not take this illustration or these examples as an indication or assurance of the expected performance of either
Underlying or the return on your securities. The Final Settlement Value may be less than the amount that you would have received
from a conventional debt security with the same stated maturity, including such a security issued by HSBC. The numbers appearing
in the table below and following examples have been rounded for ease of analysis.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The table below illustrates the Final Settlement
Value on a $1,000 investment in the securities for a hypothetical range of Reference Returns of the Least Performing Underlying
from -100% to +100%. The following results are based solely on the assumptions outlined below. The “Hypothetical Return on
the Securities” as used below is the number, expressed as a percentage, that results from comparing the Payment at Maturity
per $1,000 Principal Amount to $1,000. The potential returns described here assume that your securities are held to maturity. You
should consider carefully whether the securities are suitable to your investment goals. The following table and examples are based
on the following terms:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 2%"><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify; width: 40%"><FONT STYLE="color: windowtext">Principal Amount:</FONT></TD>
<TD STYLE="text-align: justify; width: 58%">$1,000</TD></TR>
<TR STYLE="vertical-align: top">
<TD> </TD><TD> </TD><TD STYLE="text-align: justify"> </TD>
<TD STYLE="text-align: justify"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD></TD><TD><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">Hypothetical Initial Level of each Underlying:</TD>
<TD STYLE="text-align: justify">1,000</TD></TR>
<TR STYLE="vertical-align: top">
<TD> </TD><TD> </TD><TD STYLE="text-align: justify"> </TD>
<TD STYLE="text-align: justify"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD></TD><TD><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify">Barrier Percentage: </TD>
<TD STYLE="text-align: justify">-30%</TD></TR>
<TR STYLE="vertical-align: top">
<TD> </TD><TD> </TD><TD STYLE="text-align: justify"> </TD>
<TD STYLE="text-align: justify"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD></TD><TD><FONT STYLE="font-family: Webdings; color: red">4</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: windowtext">Upside Participation Rate:</FONT></TD>
<TD STYLE="text-align: justify">119.00% </TD></TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The actual Initial Level of each Underlying
is set forth on page PS-2 of this pricing supplement.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 76%; border-collapse: collapse">
<TR STYLE="background-color: red">
<TD STYLE="padding: 2pt 5.75pt; width: 42%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; color: white; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Hypothetical Reference Return of <BR>
the Least Performing Underlying</B></FONT></TD>
<TD STYLE="padding: 2pt 5.75pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; color: white; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Hypothetical Final<BR>
Settlement Value</B></FONT></TD>
<TD STYLE="padding: 2pt 5.75pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; color: white; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Hypothetical Return on the<BR>
Securities</B></FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2,119.00 </FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">119.00%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">90.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2,107.10</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">107.10%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">80.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,952.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">95.20%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">70.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,833.00 </FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">83.30%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,714.00 </FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">71.40%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,595.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.50%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,476.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47.60%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,357.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35.70%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,238.00 </FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.80%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,119.00</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.90%</FONT></TD></TR>
<TR>
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,059.50 </FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.95%</FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>0.00%</B></FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>$1,000.00 </B></FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>0.00%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-5.00%</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-10.00%</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-20.00%</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,000.00</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>-30.00%</B></FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>$1,000.00</B></FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>0.00%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-40.00%</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$600.00</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-40.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
<TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-50.00%</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$500.00</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-50.00%</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-60.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$400.00</FONT></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-60.00%</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-70.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$300.00</FONT></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-70.00%</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-80.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$200.00</FONT></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-80.00%</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-90.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100.00</FONT></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-90.00%</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-100.00%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.00</FONT></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-100.00%</FONT></TD></TR>
</TABLE>
<P STYLE="color: #231f20; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>
<!-- Field: Page; Sequence: 2; Value: 8 -->
<DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt"> </P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; color: #231f20; margin: 0pt 0"></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following examples indicate how the
Final Settlement Value would be calculated with respect to a hypothetical $1,000 investment in the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: black"><B>Example
1: T</B></FONT><B>he Reference Return of the Least Performing Underlying is positive.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 88%; border-collapse: collapse">
<TR STYLE="background-color: red">
<TD STYLE="vertical-align: top; border-top: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD STYLE="border-top: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-top: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD STYLE="vertical-align: top; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Underlying</B></FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Initial Level</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B> </B></P></TD>
<TD COLSPAN="2" STYLE="padding-right: 5.75pt; padding-left: 5.75pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Final Level</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B> </B></P></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR STYLE="background-color: #E6E6E6">
<TD STYLE="vertical-align: top; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INDU</FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,000.00</FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,600.00 (160% of its Initial Level)</FONT></TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR STYLE="background-color: #E6E6E6">
<TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SPX</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,000.00</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,500.00 (150% of its Initial Level)</FONT></TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR>
<TD STYLE="width: 29%"> </TD>
<TD STYLE="width: 29%"> </TD>
<TD STYLE="width: 35%"> </TD>
<TD STYLE="width: 5%"> </TD>
<TD STYLE="width: 2%"> </TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">SPX
is the Least Performing Underlying. Because the Initial Level of the SPX is 1,000.00 and the Final Level of the SPX is 1,500.00,
the Reference Return</FONT> of the Least Performing Underlying is 50.00%, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Final Level of the SPX – Initial
Level of the SPX</U></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Initial Level of the SPX</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(1,500.00 - 1,000.00) / 1,000.00 = 50.00%</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">Because
the Reference Return of the Least Performing Underlying is positive, </FONT>the Final Settlement Value would be $1,595.00 per $1,000
Principal Amount of securities, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">$1,000 + ($1,000 × Reference Return
of the Least Performing Underlying × Upside Participation Rate)</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in; text-align: left">= $1,000 + ($1,000
× 50% × 119.00%)</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0; margin-left: 3.5in; margin-top: 0pt; margin-bottom: 0pt; text-align: left">= $1,595.00</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2.5in"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in">Example 1 shows that you
will receive the return of your principal investment plus a return equal to the Reference Return of the Least Performing Underlying
multiplied by the Upside Participation Rate when each Reference Asset appreciates.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: black"><B>Example
2: T</B></FONT><B>he Reference Return of the Least Performing Underlying is less than zero, but greater than the Barrier Percentage.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 88%; border-collapse: collapse">
<TR STYLE="background-color: red">
<TD STYLE="vertical-align: top; border-top: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD STYLE="border-top: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-top: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD STYLE="vertical-align: top; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Underlying</B></FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Initial Level</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B> </B></P></TD>
<TD COLSPAN="2" STYLE="padding-right: 5.75pt; padding-left: 5.75pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Final Level </B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B> </B></P></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR STYLE="background-color: #E6E6E6">
<TD STYLE="vertical-align: top; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INDU</FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,000.00</FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">900.00 (90% of its Initial Level)</FONT></TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR STYLE="background-color: #E6E6E6">
<TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SPX</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,000.00</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">800.00 (80% of its Initial Level)</FONT></TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR>
<TD STYLE="width: 29%"> </TD>
<TD STYLE="width: 29%"> </TD>
<TD STYLE="width: 35%"> </TD>
<TD STYLE="width: 5%"> </TD>
<TD STYLE="width: 2%"> </TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">SPX is the Least Performing Underlying.
Because the Initial Level of the SPX is 1,000.00 and the Final Level of the SPX is 800.00, the Reference Return of the Least Performing
Underlying is -20.00%, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Final Level of the SPX – Initial
Level of the SPX</U></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Initial Level of the SPX</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(800.00 - 1,000.00) / 1,000.00 = -20.00%</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Because the Reference Return of the Least Performing Underlying
is less than zero but greater than the Barrier Percentage of -30%, the Final Settlement Value would be $1,000 per $1,000 Principal
Amount (a zero return).</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: black"><B>Example
3: T</B></FONT><B>he Reference Return of the Least Performing Underlying is less than the Barrier Percentage.</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 88%; border-collapse: collapse">
<TR STYLE="background-color: red">
<TD STYLE="vertical-align: top; border-top: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD STYLE="border-top: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-top: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD>
<TD STYLE="vertical-align: top; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; color: white; font-weight: bold; text-align: right"> </TD></TR>
<TR>
<TD STYLE="vertical-align: top; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Underlying</B></FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Initial Level</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B> </B></P></TD>
<TD COLSPAN="2" STYLE="padding-right: 5.75pt; padding-left: 5.75pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Final Level</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B> </B></P></TD>
<TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR STYLE="background-color: #E6E6E6">
<TD STYLE="vertical-align: top; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INDU</FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,000.00</FONT></TD>
<TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">400.00 (40% of its Initial Level)</FONT></TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR STYLE="background-color: #E6E6E6">
<TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SPX</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,000.00</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,200.00 (120% of its Initial Level)</FONT></TD>
<TD COLSPAN="2" STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; text-align: right"> </TD></TR>
<TR>
<TD STYLE="width: 29%"> </TD>
<TD STYLE="width: 29%"> </TD>
<TD STYLE="width: 35%"> </TD>
<TD STYLE="width: 5%"> </TD>
<TD STYLE="width: 2%"> </TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">INDU is the Least Performing Underlying.
Because the Initial Level of the INDU is 1,000.00 and the Final Level of the INDU is 400.00, the Reference Return of the Least
Performing Underlying is -60.00%, calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Final Level of the INDU – Initial
Level of the INDU</U></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Initial Level of the INDU</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(400.00 - 1,000.00) / 1,000.00 = -60.00%</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because the Reference Return of the Least
Performing Underlying is less than -30.00%, the Final Settlement Value would be $400.00 per $1,000 Principal Amount of the securities,
calculated as follows:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 120pt">$1,000 + ($1,000 ×
Reference Return of the Least Performing Underlying)</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 120pt">= $1,000 + ($1,000 ×
-60.00%)</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 120.25pt">= $400.00</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 120.25pt"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">Example
3 shows that you are fully exposed on a 1-to-1 basis to declines in the level of the Least Performing Underlying if the Reference
Return of the Least Performing Underlying is less than -30%.</FONT> <FONT STYLE="font-size: 10pt">YOU MAY LOSE UP TO 100% OF THE
PRINCIPAL AMOUNT OF YOUR SECURITIES.</FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><FONT STYLE="font-size: 10pt"> </FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><FONT STYLE="font-size: 10pt"></FONT></P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><FONT STYLE="color: red">INFORMATION RELATING
TO THE UNDERLYINGS</FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Description of the INDU</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The INDU is a price-weighted index compromised
of 30 blue chip stocks considered to be the leaders in their industry. It is intended to be a measure of the entire U.S. market,
covering a diverse set of industries such as financial services, technology, retail, entertainment and consumer goods, but excluding
the transportation and utilities industries.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B><I>For more information
about this underlying index, see “The Dow Jones Industrial Average<SUP>SM</SUP>” beginning on page S-10 of the accompanying
Equity Index Underlying Supplement.</I></B></P></TD>
<TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Performance of the INDU</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth the historical
performance of the INDU based on the daily historical closing levels from April 30, 2010 through April 30, 2020. We obtained the
closing levels below from the Bloomberg Professional<SUP>®</SUP> service. We have not undertaken any independent review of,
or made any due diligence inquiry with respect to, the information obtained from the Bloomberg Professional<SUP>®</SUP> service.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><IMG SRC="tm2017789d64_424b2img003.jpg" ALT=""></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The historical levels of the INDU should not be taken as an indication of future performance, and no assurance can be given as to the Official Closing Level of the INDU on the Final Valuation Date.</FONT></TD></TR>
</TABLE>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0"><B> </B></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Description of the SPX</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The SPX is a capitalization-weighted index
of 500 U.S. stocks. It is designed to measure performance of the broad domestic economy through changes in the aggregate market
value of 500 stocks representing all major industries.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The top 5 industry groups by market capitalization
as of April 30, 2020 were: Information Technology, Health Care, Communications Services, Financials and Consumer Discretionary.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #0d0d0d">.</FONT><B><I>For
more information about the SPX, see “The S&P 500<FONT STYLE="font-family: Symbol"><SUP>Ò</SUP></FONT> Index”
beginning on page S-43 of the accompanying Equity Index Underlying Supplement.</I></B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P></TD>
<TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Performance of the SPX</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth the historical
performance of the SPX based on the daily historical closing levels from April 30, 2010 through April 30, 2020. We obtained the
closing levels below from the Bloomberg Professional<SUP>®</SUP> service. We have not undertaken any independent review of,
or made any due diligence inquiry with respect to, the information obtained from the Bloomberg Professional<SUP>®</SUP> service.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><IMG SRC="tm2017789d64_424b2img004.jpg" ALT=""> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black"></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The historical
levels of the SPX should not be taken as an indication of future performance, and no assurance can be given as to the Official
Closing Level of the SPX on the Final Valuation Date.</P></TD></TR>
</TABLE>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B> </B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B></B></P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B> </B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B>EVENTS OF DEFAULT AND ACCELERATION</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">If
the securities have become immediately due and payable following an Event of Default (as defined in the accompanying prospectus)
with respect to the securities, the calculation agent will determine the accelerated payment due and payable at maturity in the
same general manner as described in “Payment at Maturity” in this document. In that case, the scheduled trading day
immediately preceding the date of acceleration will be used as the Final Valuation Date for purposes of determining the Reference
Return of each and every Underlying, and the accelerated maturity date will be three business days after the accelerated Final
Valuation Date. If a Market Disruption Event exists with respect to an Underlying on that scheduled trading day, then the accelerated
Final Valuation Date for that Underlying will be postponed for up to five scheduled trading days (in the same manner used for postponing
the originally scheduled Final Valuation Date). The accelerated maturity date will also be postponed by an equal number of business
days.</FONT> For the avoidance of doubt, if no market disruption event exists with respect to an Underlying on the scheduled trading
day preceding the date of acceleration, the determination of such Underlying’s Reference Return will be made on such date,
irrespective of the existence of a market disruption event with respect to the other Underlying occurring on such date.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the securities have become immediately
due and payable following an Event of Default, you will not be entitled to any additional payments with respect to the securities.
For more information, see “Description of Debt Securities—Senior Debt Securities—Events of Default” in
the accompanying prospectus.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B>SUPPLEMENTAL PLAN OF DISTRIBUTION
(CONFLICTS OF INTEREST)</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: black">We
have appointed HSBC Securities (USA) Inc., an affiliate of HSBC, as the agent for the sale of the securities. Pursuant to the terms
of a distribution agreement, HSBC Securities (USA) Inc. will purchase the securities from HSBC at the price to public less the
underwriting discount set forth on the cover page of this pricing supplement, for distribution to other registered broker-dealers,
or will offer the securities directly to investors. HSBC Securities (USA) Inc. has offered the securities at the price to public
set forth on the cover page of this document. </FONT><FONT STYLE="color: windowtext">HSBC USA Inc. or one of our affiliates may
pay referral fees of up to 1.20% per $1,000 Principal Amount in connection with the distribution of the securities to other registered
broker-dealers. </FONT>Neither HSBC USA Inc. nor any of its affiliates will pay an underwriting discount.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">An affiliate of HSBC has paid or may pay
in the future an amount to broker-dealers in connection with the costs of the continuing implementation of systems to support the
securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, HSBC Securities (USA) Inc.
or another of its affiliates or agents may use this pricing supplement in market-making transactions after the initial sale of
the securities, but is under no obligation to make a market in the securities and may discontinue any market-making activities
at any time without notice.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Delivery of the securities will be made
against payment for the securities on the Original Issue Date set forth on the inside cover page of this document, which is more
than two business days following the Trade Date. Under Rule 15c6-1 under the Securities Exchange Act of 1934, trades in the secondary
market generally are required to settle in two business days, unless the parties to that trade expressly agree otherwise. Accordingly,
purchasers who wish to trade the securities more than two business days prior to the Original Issue Date will be required to specify
an alternate settlement cycle at the time of any such trade to prevent a failed settlement, and should consult their own advisors.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">See “Supplemental Plan of Distribution
(Conflicts of Interest)” on page S-61 in the prospectus supplement.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"><B>U.S. FEDERAL INCOME TAX CONSIDERATIONS</B></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt 0pt 0; color: red"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">There is no direct legal authority as to
the proper tax treatment of the securities, and therefore significant aspects of the tax treatment of the securities are uncertain
as to both the timing and character of any inclusion in income in respect of the securities. Under one approach, a security should
be treated as a pre-paid executory contract with respect to the Underlyings. We intend to treat the securities consistent with
this approach. Pursuant to the terms of the securities, you agree to treat the securities under this approach for all U.S. federal
income tax purposes. Subject to the limitations described therein, and based on certain factual representations received from us,
in the opinion of our special U.S. tax counsel, Mayer Brown LLP, it is reasonable to treat a security as a pre-paid executory contract
with respect to the Underlyings. Pursuant to this approach, we do not intend to report any income or gain with respect to the securities
prior to their maturity or an earlier sale or exchange and we intend to treat any gain or loss upon maturity or an earlier sale
or exchange as long-term capital gain or loss, provided that you have held the security for more than one year at such time for
U.S. federal income tax purposes.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We will not attempt to ascertain whether
any of the entities whose stock is included in either Underlying would be treated as a passive foreign investment company (“PFIC”)
or United States real property holding corporation (“USRPHC”), both as defined for U.S. federal income tax purposes.
If one or more of the entities whose stock is included in an Underlying were so treated, certain adverse U.S. federal income tax
consequences might apply. You should refer to information filed with the SEC and other authorities by the entities whose stock
is included in an Underlying and consult your tax advisor regarding the possible consequences to you if one or more of the entities
whose stock is included in an Underlying is or becomes a PFIC or a USRPHC.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Under current law, while the matter is
not entirely clear, individual non-U.S. holders, and entities whose property is potentially includible in those individuals’
gross estates for U.S. federal estate tax purposes (for example, a trust funded by such an individual and with respect to which
the individual has retained certain interests or powers), should note that, absent an applicable treaty benefit, the securities
are likely to be treated as U.S. situs property, subject to U.S. federal estate tax. These individuals and entities should consult
their own tax advisors regarding the U.S. federal estate tax consequences of investing in the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">A “dividend equivalent” payment
is treated as a dividend from sources within the United States and such payments generally would be subject to a 30% U.S. withholding
tax if paid to a non-U.S. holder. Under U.S. Treasury Department regulations, payments (including deemed payments) with respect
to equity-linked instruments (“ELIs”) that are “specified ELIs” may be treated as dividend equivalents
if such specified ELIs reference an interest in an “underlying security,” which is generally any interest in an entity
taxable as a corporation for U.S. federal income tax purposes if a payment with respect to such interest could give rise to a U.S.
source dividend. However, Internal Revenue Service guidance provides that withholding on dividend equivalent payments will not
apply to specified ELIs that are not delta-one instruments and that are issued before January 1, 2023. Based on the Issuer’s
determination that the securities are not “delta-one” instruments, non-U.S. holders should not be subject to withholding
on dividend equivalent payments, if any, under the securities. However, it is possible that the securities could be treated as
deemed reissued for U.S. federal income tax purposes upon the occurrence of certain events affecting an Underlying or the securities,
and following such occurrence the securities could be treated as subject to withholding on dividend equivalent payments. Non-U.S.
holders that enter, or have entered, into other transactions in respect of an Underlying or the securities should consult their
tax advisors as to the application of the dividend equivalent withholding tax in the context of the securities and their other
transactions. If any payments are treated as dividend equivalents subject to withholding, we (or the applicable paying agent) would
be entitled to withhold taxes without being required to pay any additional amounts with respect to amounts so withheld.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For a discussion of the U.S. federal income
tax consequences of your investment in a security, please see the discussion under “U.S. Federal Income Tax Considerations”
in the accompanying prospectus supplement.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">PROSPECTIVE PURCHASERS OF SECURITIES SHOULD
CONSULT THEIR TAX ADVISORS AS TO THE FEDERAL, STATE, LOCAL, AND OTHER TAX CONSEQUENCES TO THEM OF THE PURCHASE, OWNERSHIP AND DISPOSITION
OF SECURITIES.	</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="color: #c00000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>VALIDITY OF THE SECURITIES</B></P>
<P STYLE="color: #c00000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In the opinion of Mayer Brown LLP, as
counsel to the Issuer, when this pricing supplement has been attached to, and duly notated on, the master note that represents
the securities pursuant to the Senior Indenture referred to in the prospectus supplement dated February 26, 2018, and issued and
paid for as contemplated herein, the securities offered by this pricing supplement will be valid, binding and enforceable obligations
of the Issuer, entitled to the benefits of the Senior Indenture, subject to applicable bankruptcy, insolvency and similar laws
affecting creditors’ rights generally, concepts of reasonableness and equitable principles of general applicability (including,
without limitation, concepts of good faith, fair dealing and the lack of bad faith). This opinion is given as of the date hereof
and is limited to the laws of the State of New York, the Maryland General Corporation Law (including the statutory provisions,
all applicable provisions of the Maryland Constitution and the reported judicial decisions interpreting the foregoing) and the
federal laws of the United States of America. This opinion is subject to customary assumptions about the trustee’s authorization,
execution and delivery of the Senior Indenture and the genuineness of signatures and to such counsel’s reliance on the Issuer
and other sources as to certain factual matters, all as stated in the legal opinion dated March 1, 2018, which has been filed
as Exhibit 5.4 to the Issuer’s registration statement on Form S-3 dated February 26, 2018.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 43%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>TABLE OF CONTENTS</B></FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; width: 5%; text-align: right"> </TD>
<TD STYLE="width: 2%; text-align: center"> </TD>
<TD ROWSPAN="69" STYLE="padding-right: 10pt; background-color: Red; width: 50%; text-align: center; padding-left: 10pt"><P STYLE="margin-top: 0; margin-bottom: 0"> </P>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in; color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif">You
should only rely on the information contained in this pricing supplement, the accompanying Equity Index Underlying Supplement,
prospectus supplement and prospectus. We have not authorized anyone to provide you with information or to make any representation
to you that is not contained in this pricing supplement, the accompanying Equity Index Underlying Supplement, prospectus supplement
and prospectus. If anyone provides you with different or inconsistent information, you should not rely on it. This pricing supplement,
the accompanying Equity Index Underlying Supplement, prospectus supplement and prospectus are not an offer to sell these securities,
and these documents are not soliciting an offer to buy these securities, in any jurisdiction where the offer or sale is not permitted.
You should not, under any circumstances, assume that the information in this pricing supplement, the accompanying Equity Index
Underlying Supplement, prospectus supplement and prospectus is correct on any date after their respective dates</FONT>.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in; color: white"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in; color: white"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in; color: white"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in; color: white"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in; color: white"> </P>
<P STYLE="color: white; font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>HSBC USA Inc.</B></P>
<P STYLE="font: 18pt Times New Roman, Times, Serif; color: white; margin: 0pt 0; text-align: center"><B> </B></P>
<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><B> </B></P>
<P STYLE="color: white; font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$564,000</B></P>
<P STYLE="font: 14pt Times New Roman, Times, Serif; color: white; margin: 0pt 0; text-align: center"><B> </B></P>
<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><B> </B></P>
<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><B> </B></P>
<P STYLE="color: white; font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Barrier Enhanced Participation
Notes <BR>
Linked to the Least Performing of the<BR>
Dow Jones Industrial Average<SUP>®</SUP> and the<BR>
S&P 500<SUP>®</SUP> Index</B></P>
<P STYLE="color: white; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B> </B></P>
<P STYLE="color: white; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; color: white; margin: 0pt 0; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"> </P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"> </P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; color: white; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>April
30, 2020</B></FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; color: white; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: white; text-align: center"><FONT STYLE="font-size: 12pt"> </FONT></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; color: white; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Pricing
Supplement</B></FONT></P>
<P STYLE="color: white; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>
<P STYLE="margin-top: 0; margin-bottom: 0"></P></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"> </TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Pricing Supplement</B></FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">General </FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-4</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Payment at Maturity </FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-4</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Investor Suitability </FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-5</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Risk Factors </FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-6</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Illustrative Examples </FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-9</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Information Relating to the Underlyings </FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-11</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Events of Default and Acceleration</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-12</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Supplemental Plan of Distribution (Conflicts of Interest)</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-12</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">U.S. Federal Income Tax Considerations</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-12</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Validity of the Securities</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">PS-13</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD> </TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>Equity Index Underlying Supplement</B></FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Disclaimer</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt"> ii Risk Factors</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-1</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The DAX<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-8</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The Dow Jones Industrial Average<SUP>SM</SUP></FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-10</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The EURO STOXX 50<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-12</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The FTSE<SUP>®</SUP> 100 Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-14</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The Hang Seng<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-15</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The Hang Seng China Enterprises Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-17</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The KOSPI 200 Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-20</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The MSCI Indices</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-23</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The Nasdaq 100 Index<SUP>®</SUP></FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-27</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The Nikkei 225 Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-31</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The PHLX Housing Sector<SUP>SM</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-33</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The Russell 2000<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-37</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The S&P 100<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-40</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The S&P 500<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-43</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The S&P 500<SUP>®</SUP> Low Volatility Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-46</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The S&P BRIC 40 Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-49</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The S&P MidCap 400<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-51</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">The TOPIX<SUP>®</SUP> Index</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-54</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Additional Terms of the Notes</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-56 </FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD> </TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Prospectus Supplement</B></FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Risk Factors</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-1</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Pricing Supplement</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-10</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Description of Notes</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-12</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Use of Proceeds and Hedging</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-36</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Certain ERISA Considerations</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-37</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">U.S. Federal Income Tax Considerations</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-39</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Supplemental Plan of Distribution (Conflicts of Interest)</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">S-61</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD> </TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Prospectus</B></FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"> </TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">About this Prospectus</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">1</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Risk Factors</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">2</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Where You Can Find More Information</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Special Note Regarding Forward-Looking Statements</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">HSBC USA Inc.</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Use of Proceeds</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Description of Debt Securities</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">9</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Description of Preferred Stock</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">20</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Description of Warrants</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Description of Purchase Contracts</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Description of Units</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">33</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Book-Entry Procedures</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Limitations on Issuances in Bearer Form</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">U.S. Federal Income Tax Considerations Relating to Debt Securities</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">41</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Plan of Distribution (Conflicts of Interest)</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">49</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Notice to Canadian Investors</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">52</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Notice to EEA Investors</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">53</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Notice to UK Investors</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">54</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">UK Financial Promotion </FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">54</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Certain ERISA Matters</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">55</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Legal Opinions</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">57</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-size: 10pt">Experts</FONT></TD>
<TD STYLE="vertical-align: bottom; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt"> 58</FONT></TD>
<TD STYLE="text-align: center"> </TD></TR>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>