Experience The Power of Partnering with
HSBC Taxpayer Financial Services
Household was recently acquired by HSBC, creating a best-in-class provider
of tax-related bank products to serve you, your clients, and your bottom line.
With HSBC Taxpayer Financial Services, you get the The Facts Speak for Themselves
best bank products in the industry, better able to meet the
HSBC Taxpayer Financial Services (TFS) is the
needs of all your clients:
tax-related financial services industry leader. We
Clients looking for a Refund Anticipation Loan enjoy are not only the biggest, we are the best:
the highest RAL approval percentage in the industry
• 66 million customers served since 1987!
and the highest loan amounts, with the fastest RAL
application processing. We also offer the highest • Overall, one out of every two bank product customers
volume Instant RAL program in the industry. is an HSBC TFS customer. That means we process
nearly four times the number of RALs than our
For your more cost-conscious clients who do not closest competitor!
want a RAL, we provide our lower-priced Refund
Anticipation Check or Refund Processing Transfer And take a look at our results over the last three years
service, with all fees deducted from their refund in the Independent ERO marketplace:
amount (including tax preparation fees). That means
• Bank product growth up 225%!
no out-of-pocket costs for your clients and your tax
preparation fees are directly deposited into your bank • Independent ERO partner growth up 350%!
account on a daily basis.
Don’t get left behind by your competition. Make the move that thousands of
Independent EROs have already made!
Put the power of partnering with HSBC to work for you today
by calling 1 (800) 342-5699 or visit www.hsbctfs.com!
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HSBC Taxpayer Financial Services N
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2005 Program Highlights O$
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The best choice for you and your clients . . . PER
Pricing 2005 Program Highlights
®
ExpressRefund Loan (“Classic RAL”)
!
Account Set-up Fee = $14.95 or $27.95 All approved loans include NEW
100% EIC up to $7,000! NO
Loan Amount Finance Charge PARTIALS/SPLIT RAL OFFERS!
$200–$500 $7 • Increases client satisfaction
• Eliminates printing second checks
$501–$1,000 $22 • Saves you time overall
$1,001–$1,500 $42
$1,501–$2,000 $52 Highest approval percentages
in the industry—near 90%
$2,001–$7,000 $87 overall approvals!
Federal ExpressRefund Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$27.95
Instant RAL offers $1,000 net
(Check only)
check to your clients in less than 3
Refund Processing Transfer (RPT) . . . . . . . . . . . . . . . . . . . . . . . . . . . .$14.95 minutes! Nearly 60% approval rate!
(Formerly an ExpressRefund Check Direct Deposit)
State ExpressRefund Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10.00 Clients with no prior RAL
experience or experience with
Instant Tax Refund Loan® (“Instant RAL”) . . . . . . . . . . . . . . . . . . . . .$35.00 another bank are eligible to apply
for FULL RALs!
ERO Incentives*
$5.00 up front per approved ExpressRefund Loan With HSBC Taxpayer Financial
$3.00 up front per denied but IRS funded ExpressRefund Loan Services’ standard ERO Incentive
$3.00 up front per approved Federal ExpressRefund Check Program, you could earn up to
$2.00 up front per approved RPT $14 per approved RAL—and
$1.00 up front per approved State ExpressRefund Check incentives are paid up front during
* Incentives are increased for tax prep organizations that process more than 1000 RALs/RACs. the tax season!
Profit Sharing Incentive** Switch to HSBC Taxpayer
Financial Services from another
Delinquency % Incentive Per Approved ExpressRefund Loan
bank product servicer and receive
1.01%–1.25% $0.50 a Switch Bonus of $3 for every
0.76%–1.00% $1.50 RAL and funded RAC you do
next year!
0.51%–0.75% $2.50
0.00%–0.50% $4.00 Free marketing materials
including shipping and handling!
Bank Product Servicer Switch Incentive**
$3.00 per approved ExpressRefund Loan and funded Federal ExpressRefund Average hold time for customer
Check (RAC) service is just 13 seconds!
Online reporting & customer inquiry.
Instant RAL Profit Sharing Incentive
(Based on IRS reject rates of transmitted returns) Call 1 (800) 342-5699
to sign up today!
Instant RAL Tax Return Reject Rate Incentive Per Approved Instant RAL
1.01%–1.60% $1.00
0.00%–1.00% $2.00
** Minimum number of bank products required.