Beware of possible scams by Kawasaki Good Times promotional financing with HSBC Retail Services. When I bought my new Teryx a few months ago, I put a few thousand down and financed the rest. I took advantage of the 4.99% rate for 2 years. I got no payment notice for over 2 months. That effectively reduced the 2 year period during which the 4.99% is offerred. After 2 years the % jumps to appx 21%. I noticed the % rate was 21% on the first payment! It was a big hassle to get it reduced to 4.99%. I decided to send in the total payoff of about $5700. I sent it 10 days before the due date, using the HSBC envelope with return address. Guess what, HSBC said they never got it! Now they want about $300 in late charges. After stopping payment on the payoff check, seeking legal advice, getting help from the local Kawasaki dealer, and sending the second check certified with signature required, I have learned a big lesson: Don't Trust HSBC. Also, any big money sent to them should be Certified Mail.