HSBC TERMS AND CONDI TIONS  
     How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases)�.  
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in this 
     Cardholder Agreement.  
      
     You may pay the entire balance at any time.  
     NOTICE FOR MARRIED WISCONSIN RESIDENTS:  No provision of a marital property agreement, unilateral statement 
     under Section 766.59 of the Wisconsin Statutes, or court order under Section 766.7 0 of the Wisconsin Statutes adversely 
     affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the 
     agreement, statement or decree or has actual knowledge of the adverse provision when the obl igation to the creditor is 
     incurred. If you are married, by submitting your credit card application you are confirming that this credit card obligation is 
     being incurred in the interest of your marriage and your family. If the credit card for which you are  applying is granted, you 
     will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.  
      
     CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT   
     You have been approved for a Walter E. Smithe credit card. This acco unt is issued by HSBC Bank Nevada, N.A. (HSBC).  
     INTEREST RATES INFOR MATION  
     Annual Percentage Rate (�APR�) and Daily Periodic Rate (�DPR�). Your Daily Periodic Rate (DPR) is described in the 
     INTEREST CHARGES section.   
     ABOUT THE PENALTY APR  
     If you do not mak e your Minimum Payment Due within 60 days after the Payment due date we may increase your APRs 
     to the Penalty APR.   
     If this occurs:  
     �    we will provide advance notice before the Penalty APR goes into effect.  
     �    once the Penalty APR goes into effect, if you ma ke six consecutive on - time minimum payments when due, your 
     rates will return to the non - penalty APRs applicable to your Account.  
     �    If you do not make six consecutive on time minimum payments, we may keep the Penalty APR on your Account 
     indefinitely.  
     ABOUT  INTEREST CHARGES  
      
     TREATMENT OF FEES AND INTEREST  
     Any fees or Interest will be added to your purchase balance unless otherwise stated in this Agreement.  
     MINIMUM INTEREST CHARGE  
     If you are charged Interest, the charge will be no less than the Minimum Interes t Charge listed in the chart.  
     ABOUT ACCOUNT FEES & OTHER CHARGES  
      
     FEES AND LIMITS  
     The fees that apply to your Account are shown in the purchase balance unless otherwise stated in this Agreement.    
     If charging any fee shown in the chart would exceed first - y ear fee limits set by law, we may charge an amount allowed by 
     law. If we do this, it does not affect our ability to charge the full fee amount later.   
     LATE PAYMENT FEE    
     This fee is shown in the chart below. It is charged in any billing cycle that you do n ot pay at least the Minimum Payment 
     Due by the Payment Due Date. In no event will your Late Payment Fee exceed the Minimum Payment Due.  
      
     Outstanding Balance on Payment Due Date  -  Up to and including $100  
     Late Payment Fee  -  first time your payment is late.  $19  
     Late Payment Fee  -  if another payment is late during the next 6 billing cycles. $19  
     Outstanding Balance on Payment Due Date  �  More than $100 and up to and including $500  
     Late Payment Fee  -  first time your payment is late. $25  
     Late Payment Fee  -  if anot her payment is late during the next 6 billing cycles. $29  
     Outstanding Balance on Payment Due Date  -  More than $500  
     Late Payment Fee  -  first time your payment is late. $25  
     Late Payment Fee  -  if another payment is late during the next 6 billing cycles. $35  
      
      
     OVER THE CREDIT LIMIT FEE    
     This fee is shown in the table on page 1 and will be charged if:  
     � your Account balance exceeds your credit limit at any time during a billing cycle.  
     RETURNED PAYMENT FEE  
     This fee is shown in the table on page 1. It is charged  each time a check or other form of payment to us is returned or not 
     honored.  
     PAYMENT BY PHONE FEE  
     This fee:  
     �    may be charged each time anyone ma kes a payment to your Account  with the assistance of a live phone 
     representative; and  
     �    the amount is disclosed  at the time a payment by phone is requested.  
     COPY REQUEST FEE  
     A copy request fee may be charged each time a copy of a document is requested.  
     The fee amount will be disclosed at the time of your request.  
     REISSUED CARD FEE  
     You may be charged $5 each time you  request that your credit card be reissued.  
     MINIMUM PAYMENT DUE  
     You agree to pay us at least the Minimum Payment Due, reflected on your statement. If you wish, you may pay more than 
     the Minimum Payment Due and at any time you may pay the entire amount due.  Your Minimum Payment due is equal to 
     your Minimum Payment plus the Special Repayment Terms for any Promotional Credit Plans with a special repayment 
     term plus any debt cancellation fees or credit insurance premiums attributable to any Reduced Rate/Special  Repayment 
     Terms Credit plans plus any delinquent amounts. The Minimum Payment is the greater of a.) $25 or b.) 1% of your �New 
     Balance� (which does not include balances on Special Repayment Terms Credit Plans) plus billed Interest Charges plus 
     any Late Fe es assessed for that month, rounded to the next highest dollar. Your monthly billing statement will include 
     requirements for you to follow in making payments including the cut - off hour for receipt of payments, which may affect 
     crediting of your payments.  
      
     INTRODUCTION  
      
     KEY TERMS  
     �You� and �your� means each Applicant and Joint Applicant who:  
     �    applied for this Account bearing the name Walter E. Smithe; and/or   
     �    agrees to pay for the Account.  
     �We,� �us,� and �our� means HSBC Bank Nevada, N.A. located at 1111  Town Center Drive, Las Vegas, Nevada 89144.  
     �Applicant� means the primary Cardholder. �Joint Applicant� means the secondary Cardholder.  
     �Agreement� means all parts of this document and any future supplements or amendments.  
     �Card� means any card, card numb er or other device we issue to access your Account.  
     GETTING STARTED  
     The Card must be signed to be used.   
     When you use the Account or sign the card or sales slips, you agree to:  
     �    the terms of this Agreement; plus  
     �    any amendments or supplements to the Agre ement.  
     You may close your Account at any time. Please see the Closing Your Account section for details.  
      
     USING YOUR ACCOUNT  
      
     ALLOWED USE  
     You agree to:  
     �    use your Account only for lawful purposes  
     �    use your Account for only personal, family, household, or c haritable purposes; and  
     �    repay us for all costs related to uses not allowed under this Agreement.  
     You are not allowed to use your Account:  
     �    to make payments to this credit card or any other loan payments to us or our affiliates; or  
     �    for internet gamblin g.  
     If you have given someone permission to use the Card, this is not unauthorized use and you will be liable for all use by 
     that person.  
     CREDIT LIMIT  
     When you open your Account, we will tell you your credit limit.  
     We may change this limit from time to time . Whenever this occurs, we will notify you:  
     �    on your billing statement; and/or  
     �    by sending a notice.  
     You agree to:  
     �    keep your Account balance (which includes Interest and other charges) within your credit limit; and  
     �    immediately pay any over limit amou nt that might occur.  
     Your available credit may not reflect your payments for up to 14 days. If a transaction would exceed your available credit 
     limit, we may decline it.  
     USING THE ACCOUNT  
     At times we may:  
     �    decline a transaction if there is not enough avai lable credit and for any other reason and/or;  
     �    require our Authorization before allowing a transaction.  
     A merchant may check your ID.  
     We are not liable if:  
     �    a merchant refuses your card; and/or  
     �    we do not complete your transaction for any reason.  
     PAYING  YOUR BILL  
      
     PROMISE TO PAY  
     You promise to pay for all:  
     �    credit we extend; plus  
     �    Interest charges and other fees or charges; plus  
     �    collection costs and attorney fees as allowed by law.  
     If your Account is a joint Account, each of you is jointly and indivi dually responsible for amounts due. This remains true in 
     the event of death, divorce or other events that affect liability between you and the other person.   
     If any joint Accountholder requests to not be liable for future transactions, we may close the Acc ount.  
     SECURITY INTEREST  
     A �Security Interest� is our interest in an item that you buy using your Account that secures the payment of your Account.  
     Except as noted below, you grant us a security interest (which we may or may not perfect) in the following it ems financed 
     using your Account:  
     �    any goods you buy with your Card; and  
     �    any proceeds you get from the following:  
     a) insurance contracts, and returned premiums: and/or   
     b) mechanical failures and/or  
     c) extended service contracts.   
     Each good you buy using  your Account:  
     �    secures your entire Account balance until that good is paid in full; and  
     �    may be taken from you if you do not pay on time.   
     To decide when a purchase is paid off and no longer subject to a security interest, your payments will be first ap plied to: 
     described in the �How We Apply Payments� section of this agreement.     
     Once you have fully paid for any good, we will release our purchase money security interest in that good.  
     We do not take a security interest if you:  
     �    live in NY and the origi nal purchase price of the good was less than $200 or  
     �    live in MD and the original purchase price of the good was less than $700.  
     If we take back any good, we may charge you our costs and require you to make the good available at a convenient place 
     of our  choice as allowed by law. This may include our cost to:  
     �    repair the good; and/or  
     �    store the good; and/or  
     �    sell the good; and/or  
     �    other costs allowed by law.  
     WHEN AND HOW TO PAY  
     You agree to:  
     �    pay at least the Minimum Payment Due shown on your billing  statement; and  
     �    make this payment in time to be credited by no later than the Payment Due Date.  
     How your Minimum Payment Due is determined as shown in the MINIMUM PAYMENT DUE section.  
     If you wish, you may pay more than the Minimum Payment Due or the entir e balance at any time.  
     Instructions for making timely payments are shown on your billing statement.    
     Payments must be:  
     �    made in U.S. dollars; and  
     �    paid from a U.S. bank or other U.S. financial institution; and  
     �    sent in a form that is acceptable to us.  
     Acceptable forms of payment include:  
     �    a check or money order; or  
     �    an electronic funds transfer  
     If you want to write any special conditions on your payment, such as �paid in full�, �without recourse�, or similar language, 
     you must:  
          �  Mark this clearly on  your payment.  
          �  Payment must be marked for Special Handling and sent to:  
             HSBC Retail Services,  PO Box 5226, Carol Stream, IL 60197 - 5226.   
     Unless you follow the above directions, we may accept a payment marked with special conditions and not agree to  those 
     conditions, and will not lose any of our rights.  
     By sending us a check for payment on your Account, you authorize us either to:  
     �    use information from your check to initiate an electronic fund transfer from your payment account according to the 
     term s of the check; or  
     �    to process this transaction as a check.  
     When we use your check to make an electronic fund transfer:  
     �    funds may be withdrawn from your  payment  account the same day we receive your payment; and   
     �    you will not receive your check back  from your bank.  
     When you use our optional payment by phone service, you agree that:  
     �  we may make an electronic funds transfer from the bank account you choose; or  
     �  we may process the payment the same way we would process a check.  
     You authorize the amou nt and timing of each payment. Please retain this authorization for your records.   
     If you have a returned payment:  
     � the amount you paid will be added back to your Account and may be applied to a different category than originally 
     posted. (e.g. purchases,  etc.); and  
     � Interest Charges may be restored back to the payment date at the APR for that transaction.  
     Account Fees and Other INTEREST RATES  
      
     ABOUT YOUR APRs  
     Your APRs are shown on page 1.   
     A Daily Periodic Rate is used to determine your Interest Charges  in any billing cycle. To determine this rate, we divide 
     your APR by 365; then round this number up to the next hundred thousandth of a percentage point.   
     PROMOTIONAL CREDIT PLANS   
     From time to time, we may offer one or more Promotional Credit Plans. These  may be offered to you:  
     �    prior to your purchase; and/or  
     �    at the time of your purchase.  
     Any of these Plans may be offered at any time and are conditioned on your timely payment of at least the Minimum 
     Payment Due for each billing statement:  
     a) Waived Inter est Charge Credit Plan  
     With this Plan there are no Interest Charges on your purchase for a specified period.   
     b) Same As Cash / Monthly Payment Credit Plan  
     With this Plan, there are no Interest Charges on your purchase if you repay the full cash price of t he purchase before the 
     promotional expiration date shown on your billing statement.  
     If you do not repay in full by the promotional expiration date, Interest Charges will be imposed from the purchase date.  
     c) Reduced Rate Credit Plan  
     With this Plan, you wil l receive a reduced periodic rate on your purchase for a specified period.   
     d) Special Repayment Term Credit Plan    
     With this Plan special repayment terms will be applied to the purchase for the specified period.  
     e) Special Repayment Term / Reduced Rate Cr edit Plan  
     With this Plan special repayment terms and a reduced periodic rate will be applied to the purchase for the specified 
     period.  
     Purchases that do not fall under one of these Plans are called Regular Credit Plan purchases.     
     If you make more than one  purchase on your card, these balances may be treated differently.   
     Certain rules apply to the allocation of payments and interest charges  
     on your promotional purchase if you make more than one purchase on   
     your Card. Call 1 - 888 - 367 - 4310 or review the HOW  WE APPLY PAYMENTS  
     section of this Agreement for information.  
     INTEREST CHARGES  
      
     HOW INTEREST CHARGES ARE CALCULATED   
     Each billing statement shows the Interest Charges, which are calculated separately for each:  
     �    Promotional Credit Plan with a unique due dat e or unique terms;   
     �    Regular Credit Plan  
     The total interest charge for the billing cycle is the sum of the interest charge for each plan subject to the minimum interest 
     charge shown in the chart.  
     For Same As Cash Plans, if interest is applied, the interes t is accrued from the transaction date of the purchase through 
     the current cycle. The Interest Charge is the total of:  
     �    the applicable Daily Periodic Rate for the current cycle times the Daily Balance for each day in the current cycle; 
     plus  
     �    the applicab le Daily Periodic Rate for each prior cycle times the Daily Balances of the Credit Plan for each day 
     during each prior cycle.  
     For Plans other than Same As Cash, the interest charge is the total of:  
     �    the applicable Daily Periodic Rate for the Plan times th e Daily Balance for the plan for each day in the cycle.  
     HOW DAILY BALANCE IS DETERMINED   
     To determine your Daily Balance, we:  
     �    take the opening balance for each Plan for that day;  then  
     �    add the following that were incurred on that day:  
     a)   any new purcha ses  
     b)   any previous day�s periodic Interest Charges  
     c)   any fees and charges, including any credit insurance premiums or debt cancellation fees, if these apply;  
     then  
     �    subtract any payments and/or credits.  
     For any Same As Cash Credit Plan:  
     Any credit insura nce premiums or debt cancellation fees are not included in the Daily Balance of that Plan during the 
     promotional period.  
     We also make any needed adjustments. For example:  
     �    If a transaction posts after but occurs before the start of a billing cycle, we may  adjust the amount above to 
     include this transaction. It will be included as of the first day of the billing cycle in which it posts.  
     �    If your Account is subject to a grace period during the billing cycle, your payments will be subtracted from all Daily 
     B alances in the current billing cycle.  
     �    If a transaction for a returned payment or a dispute resolved in our favor posts after the beginning of the billing 
     cycle, we will make this adjustment:    
     � the applicable Daily Balance(s) and any related Interest Cha rges will be adjusted to include the transaction amount as of 
     the date of the original payment or transaction.  
     To calculate your Average Daily Balance, we:  
     �    add the Daily Balances for each day of the billing cycle; then  
     �    divide this total by the number o f days in the billing cycle.  
     How to avoid paying interest on purchases   
     The number of days until your Payment Due Date after the close of each billing cycle is indicated in the Interest Rates and 
     Interest Charges section of this Agreement. We will not char ge you Interest on purchases if you pay your entire balance 
     by the due date each month.  
     Interest charges begin on the transaction date and continue to accrue until paid in full except as noted below:  
     EXCEPTIONS   
     1.  For New Purchases  and balances: No inter est is charged in a billing cycle on a Regular, Reduced Rate, or Special 
     Repayment Terms Credit Plans if the combined Previous Balance of those Plans at the beginning of the cycle is:  
     a)   zero; or  
     b)   a credit balance (e.g., less than zero); or  
     c)     
     paid in  full before the Payment Due Date that falls during the cycle;  
     2.  For Waived Interest Charge Credit Plans:  No interest is charged for the promotional period.  
     3.  For Same As Cash Credit Plans:  No interest is charged if the full cash sales price is paid in  full before the promotion 
     expiration date.  
     HOW WE APPLY PAYMENTS   
     The amount of your payment that is equal to the Minimum Payment Due is:  
     �    applied as we determine within legal guidelines; and  
     �    usually applied to the minimum due on each credit plan.  
     Any p ayment amount over the Minimum Payment Due is applied to higher APR balances before lower ones.  
      
     If you have a Same As Cash Credit Plan(s):  
     �    Until the final two complete billing cycles:  
     -    We apply payments the same way we apply payments to a Same As Cash  Credit Plan having a 0% APR  
     �    During the final two complete billing cycles and up to the date of expiration we will apply payments received in this 
     order:  
     1)   To the required Minimum Payment Due; and    
     2)   To the plan(s) that is expiring, in the order of exp iration.    
     MANAGING YOUR ACCOUNT  
      
     OTHER USERS   
     You may permit others to use your Card or Account Number.  
     You are responsible for all charges made by permitted users.  
     If you wish to revoke another person�s permission to use your Account, you must notify us.   We may close your Account 
     and issue a new Card with a different Account number.  
      
     UPDATING YOUR RECORDS   
     You agree:  
     a)   to give us prompt advance notice of any change in your name, mailing address, phone number, or employer;   
     b)   to promptly give us accurate  financial information about you if we ask for it; and  
     c)   the Department of Motor Vehicles may release your home address to us if we ever need it to find you.  
     CLOSING YOUR ACCOUNT   
     You can close your account at any time by mailing your request to HSBC Reta il Services, PO Box 5226, Carol Stream, IL 
     60197 - 5226. Your request becomes effective when we receive it.  
     Once you close the Account:  
     �    you must destroy your card(s); and  
     �    you will still be responsible for all amounts owed according to the terms of this A greement.  
     Protecting Your Credit  
      
     LOST OR STOLEN CARD   
     You agree to notify us immediately if:  
     �    your Card is lost or stolen; or  
     �    your Account is used without your permission.  
     You may call at any time. The phone number is listed on your billing statement.  
     LIABILITY FOR UNAUTHORIZED USE   
     If you notice the loss or theft of your credit card, or a possible unauthorized use of your card, you should call us at the 
     number listed on your billing statement or the back of your card, or write to us immediately at:    
     H SBC Retail Services  
     PO Box 5226, Carol Stream, IL 60197 - 5226    
     You will not be liable for any unauthorized use that occurs after you notify us.  You may, however, be liable for 
     unauthorized use that occurs before your notice to us. In any case, your liabil ity will not exceed $50.  
     DEFAULT   
     We may consider your Account to be in Default if you:  
     a)   fail to make the Minimum Payment Due when due;  
     b)   exceed your credit limit;  
     c)   become the subject of bankruptcy proceedings, foreclosure, repossession, lien or judgm ent, garnishment, or 
     attachment;  
     d)   give us misleading, false or incomplete information;   
     e)   fail to give us a current physical address when you apply and whenever you move;   
     f)   make payments to us that are returned unpaid by your bank or other financial i nstitution; or  
     g)   default under any other agreement or security agreement you have with us or with one of our affiliates; and/or     
     h)   become incompetent or deceased.  
     Upon default, we have the right to:  
     � close your Account;   
     � suspend your credit privileg es;  
     � require you to pay your entire Account balance including any Promotional Credit Plan balances, all accrued but unpaid 
     Interest Charges and other charges provided for in this Agreement immediately;   
     � terminate any Promotional Credit Plans and convert  balances to a Regular Credit Plan;  
     � change the terms of your Account;   
     � sue you for what you owe.   
     If we incur costs to collect your balance owed including any attorney fees, we may charge you for these costs as 
     permitted by applicable law, and we will  apply your payments first to these costs.  
     CREDIT REPORTING   
     You agree that we may obtain and use credit information about you from others such as:   
     �    merchants or stores;   
     �    other lenders;   
     �    consumer reporting agencies.   
     If you believe we have reported in accurate information about your Account to any consumer reporting agency you should:  
     -    notify us and ask us to correct the inaccurate information by writing to us at HSBC Retail Services, PO Box 5253, 
     Carol Stream, IL 60197 - 5253.  
     When you write to us, tell  us:  
     -    your Account number; and  
     -    the specific information you believe is not correct; and  
     -    why you believe it is not correct.  
     INSURANCE   
     If credit insurance was offered and your accepted it: You agree that your Account will be charged monthly; this charg e, 
     which is called an insurance premium, will be based on the Average Daily Balances of your Account for the billing cycle in 
     which the premium is assessed; and the charges will begin on the transaction date(s) of your purchase(s).  
     OTHER AGREEMENTS  
      
     ACCOUN T CLOSURE   
     At any time, for any reason, we may take any of these actions subject to applicable law:  
     a)   close your Account;  
     b)   suspend your credit privileges;  
     c)   reduce your credit limit.  
     If we close your Account:  
     �    Interest Charges and fees will continue t o accrue until your balance is paid in full; and  
     �    you agree to return or destroy your Card(s).  
     MONITORING PRACTICES   
     You agree that we may listen to and record phone calls between you and our representatives.   
     CHANGE OF TERMS   
     We may change this Agreement  as allowed by applicable law. This may include changing, adding, or removing terms. We 
     may do this in response to the legal, business, competitive environment or other reasons not listed here.   
     We may increase the Interest rate on existing balances in lim ited circumstances. Changes to some terms may require at 
     least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change 
     certain terms during the first year of your Account.   
     ACCOUNT ASSIGNMENT   
     W e may sell, assign or transfer all or any part of your Agreement and Account without notice to you. You may not sell, 
     assign or transfer your Account.  
     WAIVERS   
     If we delay or take no action allowed under this Agreement, for any reason, we will not lose or  limit any of our rights under 
     this Agreement on any other occasion.  
     SEVERABILITY   
     If a term is found to be invalid under any applicable law, rule or regulation, then all other terms of this Agreement will 
     remain valid.   
     NOTICE FOR CALIFORNIA RESIDENTS:  Cal ifornia law requires that we inform customers that should they fail to fulfill 
     the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit reporting 
     agency. If you are married, you may apply for cr edit in your own name.   
     NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion of 
     your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal 
     l aw.  
     NOTICE FOR MAINE RESIDENTS:  We may request a consumer report in connection with your application for credit. You 
     may ask whether a consumer report was obtained by us and we will tell you the name and address of the consumer 
     reporting agency, if a repor t was obtained.  
     Missouri Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing 
     repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you (borrower(s)) 
     and us (credi tor) from misunderstanding or disappointment, any agreements we reach covering such matters are 
     contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may 
     later agree in writing to modify it.  
     NOTI CE FOR NEW YORK RESIDENTS:  A consumer credit report may be requested in connection with this application or 
     in connection with updates, renewals or extensions of any credit granted as a result of this application. Upon your request, 
     you will be informed wh ether or not such a report was requested and, if so, the name and address of the agency that 
     furnished the report. New York residents may contact the New York state banking department to obtain a comparative 
     listing of credit card rates, fees and grace per iods. New York State Banking Department: 1 - 800 - 522 - 3330.  
     NOTICE FOR OHIO RESIDENTS:  The Ohio Laws against discrimination require that all creditors make credit equally 
     available to all creditworthy customers and that credit reporting agencies maintain sepa rate credit histories on each 
     individual upon request. The Ohio Civil Rights Commission administers compliance with this law.  
     NOTICE FOR VERMONT RESIDENTS:  A consumer credit report may be requested in connection with this application or 
     in connection with  updates, renewals or extensions of any credit granted as a result of this application. Upon your request, 
     you will be informed whether or not such a report was requested and, if so, the name and address of the agency that 
     furnished the report.  
      
     The informa tion about the costs of the Card described in this Cardholder Agreement and Disclosure Statement is accurate 
     as of November, 2011. This information may have changed after that date. To find out what may have changed write to us 
     at 1111 Town Center Drive, L as Vegas, Nevada 89144.  
      
     APPLICABLE LAWS   
     This Agreement is governed by Nevada law and federal law.    
     We make our credit decisions and extend credit to you under this Agreement from Nevada. This Agreement is:  
     �    entered into in Nevada; and  
     �    maintained in N evada.  
     This is true whether or not you use your card in Nevada.  
      
     ARBITRATION  
     Federal Arbitration Act  
     This arbitration provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the 
     Federal Arbitration Act, 9 U.S.C.  Sections 1  -  16 (the �FAA�). In making decisions or awarding remedies, the arbitrator 
     shall apply the applicable substantive Law, consistent with the FAA, that would apply if the matter had been brought in 
     court. The arbitrator shall provide written reason ed findings of fact and conclusions of law upon written request as set forth 
     in the applicable arbitration association procedures. The arbitrator�s award shall not be subject to appeal except as 
     permitted by the FAA and in the paragraph below captioned �De cision and Appeal.� Judgment upon the award may be 
     entered in any court having jurisdiction.   
     Claims   
     Unless you have exercised your right to opt out of this arbitration provision, as set forth in the paragraph below captioned 
     �Opt Out of Arbitration,� thi s arbitration provision shall apply to any Claim (defined below) by or against us, or you or any 
     other Covered Person (defined below). You agree any claim, dispute, or controversy (whether based upon contract; tort, 
     intentional or otherwise; constitution;  statute; common law; or equity and whether preexisting, present or future), including 
     initial claims, counterclaims, cross - claims and third party claims, arising from or relating to (a) this Agreement, the 
     application, your Account, any debt cancellation o r debt suspension product, any fraud prevention, identity protection or 
     other account enhancement products, any transaction or activity involving any payment or failure to make payment on 
     your Account, or any solicitation, advertisement, promotion, or oral  or written statements related to this Agreement or your 
     Account or any of the foregoing, or (b) the relationships which result from this Agreement and your relationship with any 
     Covered Person in connection with the matters set forth in  subsection (a) of  this paragraph  (any of the foregoing a 
     �Claim�), shall be resolved, upon the election of you, us, or any other Covered Person described below, by binding 
     arbitration pursuant to this arbitration provision and the applicable rules or procedures of the arb itration administrator (the 
     �Administrator�) selected at the time the Claim is filed or received by a party to the Claim. However, �Claim� does not 
     include any dispute or controversy about the validity, enforceability, coverage or scope of this arbitration  provision or any 
     part thereof (including, without limitation, the paragraph below captioned �Parties to Arbitration and Class Action Waiver� 
     and/or this sentence); all such disputes or controversies are for a court and not an arbitrator to decide. However , any 
     dispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a 
     court, to decide.  
     Starting an Arbitration and Arbitration Administrators  
     If you or we elect to arbitrate a claim, the electing p arty must notify the other party in writing. This notice can be given after 
     the beginning of a lawsuit and can be given in papers filed in the lawsuit. Otherwise, your notice must be sent to: HSBC 
     Bank Nevada, N.A., P.O. Box 98740, Las Vegas, NV 89193 - 8740 , ATTN: ARBITRATION DEMAND and our notice must 
     be sent to the most recent address for you in our files. The party seeking arbitration must select as the arbitration 
     administrator either the:  
     American Arbitration Association (�AAA�)    
     1633 Broadway, 10th Flo or        
     New York, NY 10019         
     www.adr. org          
     (800) 778 - 7879      
      
     JAMS  
     620 Eighth Avenue, 34th Floor  
     New York, NY 10018  
     www.jamsadr.com  
     ( 800) 352 - 5267  
     If a party files a lawsuit in court asserting claim(s) that are subject to arbitration and the other party fi les a motion to 
     compel arbitration with the court which is granted, it will be the responsibility of the party prosecuting the Claim(s) to 
     commence the arbitration proceeding. If neither the AAA nor JAMS is able or willing to handle the dispute, then the c ourt 
     will appoint an arbitrator. The arbitrator shall be a lawyer with more than ten years experience or a retired or former judge. 
     The rules and forms of JAMS and AAA may be obtained by writing to these organizations at the addresses listed above. 
     The arb itrator will not be bound by judicial rules of procedure and evidence that would apply in a court, nor by state or 
     local laws that relate to arbitration proceedings. If you or we request, the arbitrator will honor claims of privilege 
     recognized under appli cable law and will use best efforts to protect confidential business, financial or trade secret 
     information of a party (including through use of protective orders).  
     Small Claims Exemption  
     We agree not to invoke our right to arbitrate an individual Claim yo u may bring in small claims court or an equivalent court, 
     if any, so long as the Claim is pending only in that court. However, if that Claim is transferred or appealed to a different 
     court, we reserve our right to elect arbitration at such time.  
     Location o f Arbitration and Fees  
     Any participatory arbitration hearing that you attend will take place in a location that is reasonably convenient to where 
     you reside. On any Claim you file, you will pay the first $50 of the filing fee. At your request we will pay t he remainder of 
     the filing fee and any administrative, arbitrator or hearing fees charged by the Administrator or arbitrator on any Claim 
     submitted by you in arbitration up to a maximum of $2,500. If you are required to pay any additional fees to the 
     Admin istrator or arbitrator, we will consider a request by you to pay all or part of the additional fees; however, we shall not 
     be obligated to pay any additional fees unless the arbitrator grants you an award. If the arbitrator grants an award in your 
     favor, w e will reimburse you for any additional fees paid or owed by you to the Administrator or arbitrator. The parties shall 
     bear the expense of their respective attorney�s and expert witness fees and costs, except as otherwise provided by law. If 
     a statute give s you the right to recover any of these fees, or the fees paid to the Administrator or arbitrator, these statutory 
     rights shall apply in the arbitration notwithstanding anything to the contrary contained herein. To the extent that such a 
     statute is not app licable, we will pay your reasonable attorney�s and expert witness fees and costs to the extent you 
     prevail on Claims you assert against us in an arbitration which you have commenced against us or to the extent required 
     under applicable law for this arbitr ation provision to be enforced. If the arbitrator issues an award in our favor, you will not 
     be required to reimburse us for any fees we have previously paid to the Administrator or arbitrator or for which we are 
     responsible or for any attorneys� fees or c osts we have incurred in prosecuting or defending against Claims in an 
     arbitration.  
     Covered Persons  
     This arbitration provision covers Claims by or against (a) us, any corporate parent, subsidiary, or affiliate, any predecessor 
     or successor of the foregoing , and any officer, director, employee, or representative of any of the aforementioned, (b) you 
     and any authorized user, and any other person claiming through you or any authorized user, and (c) any other person or 
     company assisting us in offering Cards, ad ministering Accounts or providing Card related benefits or services if you assert 
     a Claim against such other person or company in connection with a Claim you assert against any person or entity 
     specified in subparagraph (a) of this paragraph. All of the af oresaid persons and entities are �Covered Persons� for 
     purposes of this arbitration provision.    
     Parties to Arbitration and Class Action Waiver  
     Arbitration shall be conducted in the name of individually named parties. Unless all parties consent, neither yo u nor we 
     may join, consolidate, or otherwise bring claims regarding two or more accounts, individuals, or account holders in the 
     same arbitration, other than Covered Persons, joint applicants or authorized users of an account. There shall be no class 
     actio ns, private attorney general actions, or other representative or collective actions, in an arbitration, even if the 
     underlying dispute has been asserted in a court as a class action, private attorney general action, or other representative 
     or collective ac tion. No party may advance a Claim in arbitration on behalf of or against a person in a representative or 
     collective capacity, or on behalf of or against a person who is not an individually named party to the arbitration; nor may a 
     party seek an award or b enefit in arbitration on behalf of or against a person who is not an individually named party. The 
     arbitrator shall not have authority to resolve any claim advanced by or on behalf of anyone who is not an individually 
     named party, and shall not have the au thority to make an award for the benefit of, or against, anyone who is not an 
     individually named party. No class actions or joinder or consolidation of any Claim with the claim of any other person are 
     permitted in arbitration without the express written co nsent of you and us. These limitations are hereafter referred to as 
     the �Class Action Waiver.�  Notwithstanding anything herein to the contrary, the Class Action Waiver does not apply to any 
     lawsuit or administrative proceeding filed against us by a state o r federal government agency even when such agency is 
     seeking relief on behalf of a class of borrowers including you.  This means that we will not have the right to compel 
     arbitration of any claim brought by such an agency. The parties to this Agreement ack nowledge that the Class Action 
     Waiver is material and essential to the arbitration of any Claims between the parties and is nonseverable from this 
     arbitration provision. If the Class Action Waiver is limited, voided or found unenforceable, then the parties � agreement to 
     arbitrate (except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the 
     limitation or invalidation of the Class Action Waiver. You and we acknowledge and agree that under no circumstanc es will 
     a class action be arbitrated.   
     Decision and Appeal  
     The arbitrator�s decision will be final and binding, except for any right of appeal provided by the FAA. However, if the 
     amount of the Claim exceeds $50,000 or involves a request for injunctive or  declaratory relief that could foreseeably 
     involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days after the entry of the award by 
     the arbitrator, appeal the award to a three - arbitrator panel administered by the Administra tor. The panel shall reconsider 
     anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. 
     Reference in this arbitration provision to �the arbitrator� shall mean the panel if an appeal of the  arbitrator�s decision has 
     been taken. The costs of such an appeal will be borne in accordance with the paragraph above captioned �Location of 
     Arbitration and Fees.� Any final decision of the appeal panel is subject to judicial review only as provided unde r the FAA.   
     Consequences of Electing Arbitration  
     THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A 
     JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF EITHER PARTY ELECTS ARBITRATION. THE PARTIES 
     HEREBY KNOWINGLY AND VOL UNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT 
     BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY EITHER PARTY. MOREOVER, IF A PARTY 
     ELECTS TO ARBITRATE A CLAIM, THAT CLAIM CANNOT BE THE SUBJECT OF A CLASS ACTION OR OTHER 
     REPRESENTATIVE  PROCEEDING IN COURT OR IN ARBITRATION.  
     Miscellaneous  
     This arbitration provision shall survive termination of your Account as well as the repayment of all amounts borrowed 
     hereunder and shall also survive any bankruptcy to the extent consistent with applic able bankruptcy law. In the event of a 
     conflict or inconsistency between any other provisions of this Agreement or the rules and procedures of the Administrator, 
     on the one hand, and this arbitration provision, on the other hand, this arbitration provision  shall govern.  
     Notice and Cure; Special Payment  
     Prior to initiating a Claim, you may give us a written Claim Notice describing the basis of your Claim and the amount you 
     would accept in resolution of the Claim, and a reasonable opportunity, not less than 3 0 days, to resolve the Claim. Any 
     Claim Notice you send must also provide your name and account number, as well as your address and a phone number 
     where you can be reached during normal business hours. Such a Claim Notice must be sent to us at HSBC, c/o HS BC 
     Bank Nevada, N.A., P.O Box 98740, Las Vegas, NV 89193 - 8740. This is the sole and only method by which you can 
     submit a Claim Notice. If (i) you submit a Claim Notice in accordance with this Paragraph on your own behalf (and not on 
     behalf of any other pa rty); (ii) you cooperate with us by promptly providing the information we reasonably request; (iii) we 
     refuse to provide you with the relief you request; and (iv) the arbitrator subsequently determines that you were entitled to 
     such relief (or greater reli ef), you will be entitled to a minimum award of at least $7,500 (not including any arbitration fees 
     and attorneys� fees and costs to which you will also be entitled). We encourage you to address all Claims you have in a 
     single Claim Notice and/or a single  arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 
     all Claims you have asserted or could have asserted in the arbitration, and multiple awards of $7,500 are not 
     contemplated.  
     Opt Out of Arbitration  
     You may reject this arb itration provision without penalty. To do so, you must send HSBC, c/o HSBC Bank Nevada, N.A., 
     P.O Box 98740, Las Vegas, NV 89193 - 8740 a signed writing (�Rejection Notice�) that is received within thirty (30) days 
     after the date you receive this arbitration  provision. The Rejection Notice must identify the transaction involved and must 
     include your name, address, and social security number and must be signed by all persons contractually obligated on 
     your account. You may send the Rejection Notice in any mann er you see fit as long as it is received at the specified 
     address within the specified time. No other methods can be used to reject the arbitration provision. If the Rejection Notice 
     is sent on your behalf by a third party, such third party must include ev idence of his or her authority to submit the 
     Rejection Notice on your behalf. You agree that our business records will be final and conclusive with respect to whether 
     you rejected this arbitration provision in a timely and proper fashion.   
      
      
     Your Billing R ights: Keep This Document For Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at :  
     HSBC Bank Nevada, N.A.  
     PO Box 5893, Carol Stream, IL 60197 - 5893   
     In your letter, give us the following information:  
     �    Account information:  Your name and account number.  
     �    Dollar amount:  The dollar amount of the suspected error.  
     �    Description of problem:   If you think there is an error on your bill, describe what you believe is wrong and why you 
     believe it is a mistake.  
     You must contact us:  
     � Within 60 days after the error appeared on your statement.  
     � At least 3 business days before an automated payment is  scheduled, if you want to stop payment on the amount you 
     think is wrong.  
     You must notify us of any potential errors  in writing . You may call us, but if you do we are not required to investigate any 
     potential errors and you may have to pay the amount in qu estion.  
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things:  
     1    Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 
     have already corrected the error .  
     2.   Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is 
     correct.  
     While we investigate whether or not there has been an error:  
     � We cannot try to collect the amount in question, or report y ou as delinquent on that amount.  
     � The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     � We can apply any unpaid amount against your credit limit.  
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake:  You will not have to pay the amount in question or any interest or other fees related to that 
     amount.  
     �  I f we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and 
     fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as 
     delinquent if you do no t pay the amount we think you owe.  
     If you receive our explanation but still believe your bill is wrong, you must write to us within  10 days  telling us that you still 
     refuse to pay. If you do so, we cannot report you as delinquent without also reporting tha t you are questioning your bill. 
     We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
     when the matter has been settled between us.  
     If we do not follow all of the rules above, you do not have to  pay the first $50 of the amount you question even if your bill is 
     correct.  
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have t ried in 
     good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
     purchase.  
     To use this right, all of the following must be true:  
     1.   The purchase must have been made in your home state or within  100 miles of your current mailing address, and 
     the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on 
     an advertisement we mailed to you, or if we own the company that sold you the goods or servi ces.)  
     2.   You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with 
     a check that accesses your credit card account do not qualify.  
     3.   You must not yet have fully paid for the purchase.  
     If all of the criteria  above are met and you are still dissatisfied with the purchase, contact us  in writing  at:  
     HSBC Bank Nevada, N.A.  
     PO Box 5893, Carol Stream, IL 60197 - 5893  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finis h our investigation, 
     we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as 
     delinquent.  
     AG5724 (11/11) CI   
      
     PRICING INFORMATION ADDENDUM            
      
     Annual Percentage Rate (APR) for Purchases:   18.9%    
      
     Pena lty APR and When it Applies :  22.9%    
     Your APR may increase to the Penalty APR if we fail to receive your minimum payment with in 60 days when due. You 
     will no longer be eligible for the Standard Rate and all existing Promotional Credit Plans will terminate,  and your entire 
     Account balance will be subject to the Penalty Rate. If your Account becomes subject to the Penalty APR, we will provide 
     advance notice before the new Penalty APR goes into effect. If you make the next six consecutive on time minimum 
     payme nts starting with your first payment due once the Penalty APR goes into effect, your rates will return to the non -
     penalty APR(s) applicable to your Account. If you do not make these six consecutive on time minimum payments, we may 
     keep the Penalty APR on y our Account indefinitely.  
      
     Fees for Issuance or Availability:  None  
      
     Minimum Interest Charge:  A minimum  Interest Charge  of $2.00 will be assessed for each billing cycle in which an 
     Interest Charge is payable.  
      
     Transaction Charges:  None  
      
     How to Avoid Paying  Interest on Purchases:  Your due date is at least 23 days after the close of each billing cycle. We 
     will not charge you interest on purchases if you pay your entire balance by the due date each month.  
      
     Balance Computation Method:  Average Daily Balance (incl uding new purchases)  
     The �Daily Balance� of a Credit Plan is determined  by taking the opening balance of the Credit Plan for that day, and 
     adding 1) any new purchase made on the Credit Plan that day, 2) the previous day�s Interest  Charges, 3) any credit 
     insurance premiums or debt cancellation fees (if applicable) incurred on that day and 4) any late fees, over the credit limit 
     fees, returned payment  fees or other fees incurred on that day and subtracting any payments or credit applied to the 
     Credit Plan  that day. If your Account is subject to a grace period during the billing cycle, payments made during that cycle 
     will be subtracted from all Daily Balances in the current cycle.   
      
     Cash Advance Fee:  None  
      
     Late Payment Fee:   Up to  $35 .  
      
     Over the Credit Limit  Fee:  None  
      
     Balance Transfer Fee:  None  
      
     Returned Payment Fee:  Up to  $25  
      
     Required Insurance, Debt Cancellation or Debt Suspension Coverage:  None  
      
     Disclosure of Rates:  The Daily Periodic Rate for the Standard Rate will be .05178% (corresponding 18.9% Annual  
     Percentage Rate). The Daily Periodic Rate for the Penalty Rate   .06274% (corresponding 22.9% Annual Percentage 
     Rate).  
      
                                                    787095087_Addendum_WalterESmithe_5724