HSBC Refund Lending Products

For information or program updates, call the ERO Hotline at 1-800-342-5699, or visit the HSBC RAL web site at www.Hsbctfs.com.

*Subject to credit approval and other qualifications. Classic Refund Anticipation Loan (“Classic RAL”) provided by HSBC Bank USA, N.A. A Refund Account fee and a Finance charge are charged by the lender. Amount received may be reduced by debt owed for a prior loan. At participating offices. Those who e-file with direct deposit without taking a Classic RAL typically receive their federal income tax refund in 8-15 days.

*Subject to credit approval and other qualifications. Instant Refund Anticipation Loan (“IRAL”) provided by HSBC Bank USA, N.A. A Refund Account fee and a Finance Charge are charged by the lender. You may not qualify for a full or partial IRAL, but may qualify for a Classic RAL as soon as 1 day later. Amount received may be reduced by debt owed for a prior loan. At participating offices. Those who e-file with direct deposit without taking an IRAL typically receive their federal income tax refund in 8-15 days.

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