I hate HSBC

Dear Mr. W.:

Thank you for contacting HSBC Bank USA, N.A., the world's local bank.

We are sorry to hear that you've received service that has been less
than satisfactory. At HSBC we are always working to ensure we meet or
exceed our customer's expectations.

The 'Personal Internet Banking Service Unavailable' message is displayed
while our Internet Banking service is being updated. The systems may
update any time between 12:00 midnight to 6:00 a.m. EST on a business
day.

If you require any assistance with your account, please contact us at
the number below or send us a secure BankMail.

For additional information on the products and services HSBC Bank
offers, please visit us at us.hsbc.com

Our Customer Relationship Center is always available, 24 hours a day, 7
days a week, to meet all of your banking needs. Just e-mail us at
globalinfo@us.hsbc.com or call 1-800-975-HSBC (1-800-975-4722). If you
are outside the United States, you may call us collect at (716)
841-7212.

Sincerely,


Sumanth A.
Internet Banking Specialist