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Essay text:
|Long Term/Senior |Aa3 |AA- |AA |AA |
| |Short Term |P-1 |A-1+ |F1+ |R-1 (high) |
|HSBC Bank USA NA |Long Term/Senior |Aa2 |AA |AA |AA |
| |Short Term |P-1 |A-1+ |F1+ |R-1 (high) |
|HSBC Finance Corporation |Long Term/Senior |Aa3 |AA- |AA- |AA (low) |
| |Short Term |P-1 |A-1+ |F1+ |R-1 (mid) |
*Standard and Poor's:
Fitch : "investment grade" ratings (International Long-term, 'AAA' to 'BBB-'; Short-term, 'F1' to 'F3' ) indicate relatively low to moderate credit risk, while those in the "speculative" or "non investment grade" categories (International Long-term, 'BB+' to 'D'; Short-term, 'B' to 'D') either signal a higher level of credit risk or that a default has already occurred...
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