Who Should Invest in Market-Linked CDs?

Who Should Invest in Investors who: Want to earn a higher potential return than a traditional CD can offer Are risk-averse but want to participate in markets Interested in medium- to long-term investing Want to implement diversification in their portfolio Market-Linked CDs? Current Market Linked CD Terms and Conditions HARRIS BANK Issuer WELLS FARGO UNION BANK HSBC Available through June 24, 2010 Account Name Market Linked Certificates of Deposit (general) Dow Jones Industrial Average Linked Certificates of Deposit With Minimum Return Contingent Annual Payout 6 Year CD, Series 13 MLCD No.36 Minimum $1,000, though an offering broker may require more at their discretion $1,000, though Agent may require $4.000 15,000 more at their discretion Deposit Term Length 1-7 years 6 years 6 years 6 years Notable Estate Feature: In the event of death, Earning potential is capped by the this provision allows a holder's estate to redeem the MLCD at par prior to maturity. Potential to receive an annual coupon based on performance of securities. Feature Maximum Indexed Interest Amount Principal is not protected of approximately 5.13%-6.39% APY Regardless of the index performance, depositors will receive at least a 2-5% aggregate total return if held to maturity. Projected Return Unavailable At least 1,91% APY Potential of 7.0% APY Index Possibility of a major equity index such as the S&P 500 or Dow Jones Industrial Average, a basket of stocks, commodities or currencies, an inflation benchmark such as the Basket of 10 Securities: Wells Fargo, American Express, Wal-Mart Stores Inc., The Coca-Cola Company, ConocoPhillips, Johnson & Johnson, Kraft Foods Inc., US Bancorp S&P 500 Dow Jones Consumer Price Index (CPI), or any number of other investment instruments or indices 100% participation in the performance of the S&P 500 Index up to 35% at maturity, if not called in year 3. Participation Rate May be more or less than 100% Unavailable 100% For More Information about current A Wells Fargo Investments Financial Consultant at 866-243-0931 An Investment Services Financial 888-662-HSBC (4722) 888-360-6394 Advisor, or call 800-634-1100 offers, contact Brought to you by: GoBanking Rates com Who Should Invest in Investors who: Want to earn a higher potential return than a traditional CD can offer Are risk-averse but want to participate in markets Interested in medium- to long-term investing Want to implement diversification in their portfolio Market-Linked CDs? Current Market Linked CD Terms and Conditions HARRIS BANK Issuer WELLS FARGO UNION BANK HSBC Available through June 24, 2010 Account Name Market Linked Certificates of Deposit (general) Dow Jones Industrial Average Linked Certificates of Deposit With Minimum Return Contingent Annual Payout 6 Year CD, Series 13 MLCD No.36 Minimum $1,000, though an offering broker may require more at their discretion $1,000, though Agent may require $4.000 15,000 more at their discretion Deposit Term Length 1-7 years 6 years 6 years 6 years Notable Estate Feature: In the event of death, Earning potential is capped by the this provision allows a holder's estate to redeem the MLCD at par prior to maturity. Potential to receive an annual coupon based on performance of securities. Feature Maximum Indexed Interest Amount Principal is not protected of approximately 5.13%-6.39% APY Regardless of the index performance, depositors will receive at least a 2-5% aggregate total return if held to maturity. Projected Return Unavailable At least 1,91% APY Potential of 7.0% APY Index Possibility of a major equity index such as the S&P 500 or Dow Jones Industrial Average, a basket of stocks, commodities or currencies, an inflation benchmark such as the Basket of 10 Securities: Wells Fargo, American Express, Wal-Mart Stores Inc., The Coca-Cola Company, ConocoPhillips, Johnson & Johnson, Kraft Foods Inc., US Bancorp S&P 500 Dow Jones Consumer Price Index (CPI), or any number of other investment instruments or indices 100% participation in the performance of the S&P 500 Index up to 35% at maturity, if not called in year 3. Participation Rate May be more or less than 100% Unavailable 100% For More Information about current A Wells Fargo Investments Financial Consultant at 866-243-0931 An Investment Services Financial 888-662-HSBC (4722) 888-360-6394 Advisor, or call 800-634-1100 offers, contact Brought to you by: GoBanking Rates com Who Should Invest in Investors who: Want to earn a higher potential return than a traditional CD can offer Are risk-averse but want to participate in markets Interested in medium- to long-term investing Want to implement diversification in their portfolio Market-Linked CDs? Current Market Linked CD Terms and Conditions HARRIS BANK Issuer WELLS FARGO UNION BANK HSBC Available through June 24, 2010 Account Name Market Linked Certificates of Deposit (general) Dow Jones Industrial Average Linked Certificates of Deposit With Minimum Return Contingent Annual Payout 6 Year CD, Series 13 MLCD No.36 Minimum $1,000, though an offering broker may require more at their discretion $1,000, though Agent may require $4.000 15,000 more at their discretion Deposit Term Length 1-7 years 6 years 6 years 6 years Notable Estate Feature: In the event of death, Earning potential is capped by the this provision allows a holder's estate to redeem the MLCD at par prior to maturity. Potential to receive an annual coupon based on performance of securities. Feature Maximum Indexed Interest Amount Principal is not protected of approximately 5.13%-6.39% APY Regardless of the index performance, depositors will receive at least a 2-5% aggregate total return if held to maturity. Projected Return Unavailable At least 1,91% APY Potential of 7.0% APY Index Possibility of a major equity index such as the S&P 500 or Dow Jones Industrial Average, a basket of stocks, commodities or currencies, an inflation benchmark such as the Basket of 10 Securities: Wells Fargo, American Express, Wal-Mart Stores Inc., The Coca-Cola Company, ConocoPhillips, Johnson & Johnson, Kraft Foods Inc., US Bancorp S&P 500 Dow Jones Consumer Price Index (CPI), or any number of other investment instruments or indices 100% participation in the performance of the S&P 500 Index up to 35% at maturity, if not called in year 3. Participation Rate May be more or less than 100% Unavailable 100% For More Information about current A Wells Fargo Investments Financial Consultant at 866-243-0931 An Investment Services Financial 888-662-HSBC (4722) 888-360-6394 Advisor, or call 800-634-1100 offers, contact Brought to you by: GoBanking Rates com Who Should Invest in Investors who: Want to earn a higher potential return than a traditional CD can offer Are risk-averse but want to participate in markets Interested in medium- to long-term investing Want to implement diversification in their portfolio Market-Linked CDs? Current Market Linked CD Terms and Conditions HARRIS BANK Issuer WELLS FARGO UNION BANK HSBC Available through June 24, 2010 Account Name Market Linked Certificates of Deposit (general) Dow Jones Industrial Average Linked Certificates of Deposit With Minimum Return Contingent Annual Payout 6 Year CD, Series 13 MLCD No.36 Minimum $1,000, though an offering broker may require more at their discretion $1,000, though Agent may require $4.000 15,000 more at their discretion Deposit Term Length 1-7 years 6 years 6 years 6 years Notable Estate Feature: In the event of death, Earning potential is capped by the this provision allows a holder's estate to redeem the MLCD at par prior to maturity. Potential to receive an annual coupon based on performance of securities. Feature Maximum Indexed Interest Amount Principal is not protected of approximately 5.13%-6.39% APY Regardless of the index performance, depositors will receive at least a 2-5% aggregate total return if held to maturity. Projected Return Unavailable At least 1,91% APY Potential of 7.0% APY Index Possibility of a major equity index such as the S&P 500 or Dow Jones Industrial Average, a basket of stocks, commodities or currencies, an inflation benchmark such as the Basket of 10 Securities: Wells Fargo, American Express, Wal-Mart Stores Inc., The Coca-Cola Company, ConocoPhillips, Johnson & Johnson, Kraft Foods Inc., US Bancorp S&P 500 Dow Jones Consumer Price Index (CPI), or any number of other investment instruments or indices 100% participation in the performance of the S&P 500 Index up to 35% at maturity, if not called in year 3. Participation Rate May be more or less than 100% Unavailable 100% For More Information about current A Wells Fargo Investments Financial Consultant at 866-243-0931 An Investment Services Financial 888-662-HSBC (4722) 888-360-6394 Advisor, or call 800-634-1100 offers, contact Brought to you by: GoBanking Rates com Who Should Invest in Investors who: Want to earn a higher potential return than a traditional CD can offer Are risk-averse but want to participate in markets Interested in medium- to long-term investing Want to implement diversification in their portfolio Market-Linked CDs? Current Market Linked CD Terms and Conditions HARRIS BANK Issuer WELLS FARGO UNION BANK HSBC Available through June 24, 2010 Account Name Market Linked Certificates of Deposit (general) Dow Jones Industrial Average Linked Certificates of Deposit With Minimum Return Contingent Annual Payout 6 Year CD, Series 13 MLCD No.36 Minimum $1,000, though an offering broker may require more at their discretion $1,000, though Agent may require $4.000 15,000 more at their discretion Deposit Term Length 1-7 years 6 years 6 years 6 years Notable Estate Feature: In the event of death, Earning potential is capped by the this provision allows a holder's estate to redeem the MLCD at par prior to maturity. Potential to receive an annual coupon based on performance of securities. Feature Maximum Indexed Interest Amount Principal is not protected of approximately 5.13%-6.39% APY Regardless of the index performance, depositors will receive at least a 2-5% aggregate total return if held to maturity. Projected Return Unavailable At least 1,91% APY Potential of 7.0% APY Index Possibility of a major equity index such as the S&P 500 or Dow Jones Industrial Average, a basket of stocks, commodities or currencies, an inflation benchmark such as the Basket of 10 Securities: Wells Fargo, American Express, Wal-Mart Stores Inc., The Coca-Cola Company, ConocoPhillips, Johnson & Johnson, Kraft Foods Inc., US Bancorp S&P 500 Dow Jones Consumer Price Index (CPI), or any number of other investment instruments or indices 100% participation in the performance of the S&P 500 Index up to 35% at maturity, if not called in year 3. Participation Rate May be more or less than 100% Unavailable 100% For More Information about current A Wells Fargo Investments Financial Consultant at 866-243-0931 An Investment Services Financial 888-662-HSBC (4722) 888-360-6394 Advisor, or call 800-634-1100 offers, contact Brought to you by: GoBanking Rates com Who Should Invest in Investors who: Want to earn a higher potential return than a traditional CD can offer Are risk-averse but want to participate in markets Interested in medium- to long-term investing Want to implement diversification in their portfolio Market-Linked CDs? Current Market Linked CD Terms and Conditions HARRIS BANK Issuer WELLS FARGO UNION BANK HSBC Available through June 24, 2010 Account Name Market Linked Certificates of Deposit (general) Dow Jones Industrial Average Linked Certificates of Deposit With Minimum Return Contingent Annual Payout 6 Year CD, Series 13 MLCD No.36 Minimum $1,000, though an offering broker may require more at their discretion $1,000, though Agent may require $4.000 15,000 more at their discretion Deposit Term Length 1-7 years 6 years 6 years 6 years Notable Estate Feature: In the event of death, Earning potential is capped by the this provision allows a holder's estate to redeem the MLCD at par prior to maturity. Potential to receive an annual coupon based on performance of securities. Feature Maximum Indexed Interest Amount Principal is not protected of approximately 5.13%-6.39% APY Regardless of the index performance, depositors will receive at least a 2-5% aggregate total return if held to maturity. Projected Return Unavailable At least 1,91% APY Potential of 7.0% APY Index Possibility of a major equity index such as the S&P 500 or Dow Jones Industrial Average, a basket of stocks, commodities or currencies, an inflation benchmark such as the Basket of 10 Securities: Wells Fargo, American Express, Wal-Mart Stores Inc., The Coca-Cola Company, ConocoPhillips, Johnson & Johnson, Kraft Foods Inc., US Bancorp S&P 500 Dow Jones Consumer Price Index (CPI), or any number of other investment instruments or indices 100% participation in the performance of the S&P 500 Index up to 35% at maturity, if not called in year 3. Participation Rate May be more or less than 100% Unavailable 100% For More Information about current A Wells Fargo Investments Financial Consultant at 866-243-0931 An Investment Services Financial 888-662-HSBC (4722) 888-360-6394 Advisor, or call 800-634-1100 offers, contact Brought to you by: GoBanking Rates com