FWP 1 fwpterm.htm

Filed pursuant to Rule 433
Registration No. 333-120495
1-Dec-05


HSBC Finance Corporation

Final Term Sheet

Lead Managers:

HSBC Securities (USA) Inc. (96%)

Co-Managers:

BNY Capital Markets, Inc. (2%), Bear, Stearns & Co. Inc. (2%)

Structure:

3 yr Floating Rate Notes

Ratings:

A1/A/AA-(Pos Outlook/Stable/Stable)

Pricing Date:

December 1, 2005

Interest Accrual Date:

December 6, 2005

Settlement Date:

December 6, 2005

Maturity Date:

December 5, 2008

Form of Note:

Senior Notes

Form of Offering:

SEC Registered Medium Term Notes

CUSIP:

40429JAQ0

ISIN:

US40429JAQ04

Transaction Details

Principal Amount:

$650,000,000

Pricing Benchmark:

3M USD LIBOR

Reoffer Yield:

3M USD LIBOR + 14bp

Interest Rate Source:

USD-Libor-BBA (Telerate Inc Page 3750)

Price to Investor:

100.000%

Gross Fees:

0.090%

All-In Price to Issuer:

99.910%

Net Proceeds:

$649,415,000

Interest Reset:

Quarterly

Interest Pay Frequency:

Quarterly

First Payment Date:

March 6th, 2006

Interest Payment Dates:

Quarterly on the 5th of March, June, September, and December

Day Count:

Actual/360

Day Count Convention:

Modified Following, Adjusted

Payment Days:

New York & London

Interest Determination Date:

Two New York & London Business Days

Minimum Denominations:

$100,000 and intergral multiples of $1,000 thereafter

Listing:

None

The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in the registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-866-811-8049.