FRN Variable Rate Fix

LONDON--(BUSINESS WIRE)--

12 November 2012

Issue: HSBC Finance Corporation

Series 81

XS0189720187

Pursuant to our appointment as Agent for the above stated issue, please be advised of the following interest rate determination:

Date From: 14 November 2012

Date To: 14 December 2012

Value Date: 14 December 2012

Benchmark Rate: 0.2085%

Margin: 0.7%

Total Rate: 0.9085%

Number of Days: 30

Day Count: Actual / 360

Interest Frequency: Monthly

Total Amount Due:

USD 757,083.33

Pool Factor: 1