Cardmember Agreement and Disclosure Statement  
     Part 1 of 2: Agreement  
     About this Agreement  
     Part 1 and 2 together make your Cardmember Agreement and Disclosure Statement (�Agreement�) and govern your 
     Credit Card Account with us (your �Account�).  
     Part 1 conta ins Terms and Conditions. Part 2 contains Annual Percentage Rate (�APR�) and fee information. Please read 
     and keep both parts of this Agreement.  
     Thank you.  
     KEY TERMS  
     �You� and �your� means each person who:  
     � applied for this Account; and/or  
     � agrees to pay  for the Account.  
     �We,� �us,� and �our� means HSBC Bank USA, N.A. located at 1111 Town Center Drive, Las Vegas, Nevada 89144.  
     �Agreement� means Parts 1 and 2 of this document and any supplements or amendments.  
     �Card� means any card, card number or other de vice we issue to access your Account.  
     �Network� may be Visa, MasterCard, American Express, Discover or another credit card network.  
     GETTING STARTED  
     The Card must be signed to be used.   
     When you receive this Agreement, use the Account, or sign or keep the c ard, you agree to:  
     � the terms of this Agreement; plus  
     � any amendments or supplements to the Agreement.   
     If your Account has an Annual Fee or Periodic Membership Fee, we will refund this fee if:  
     � you have not used your Account; and  
     � you close your Accou nt within 90 days of when it was opened.  
     You may close your Account at any time.  
       TYPES OF USES  
     You can use your Account for:  
     �    Purchases;  
     �    Balance Transfers;  
     �    Cash Advances,  
     We may limit the amount and/or frequency of any type of use at any time.  
     Balanc e transfers include credit card checks, unless otherwise disclosed.  
     Cash advances include cash you get:  
     �    over the counter (e.g., at a bank);  
     �    at an ATM; and  
     �    from other purchases we define as �cash - like�  (e.g., money orders, traveler�s checks, casino c hips, or lottery 
     tickets).  
        
     ALLOWED USE  
     You agree to:  
     �    use your Account only for lawful  purposes  
     �    use your Account for only personal, family, household, or charitable purposes; and  
     �    repay us for all costs related to uses not allowed under this Agreeme nt.  
     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 gambling.   
     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 we first send your card, we will tell you:  
     �    the total credit limit on your Account; and  
     �    the portion of this limit you can use for cash advances.  
     If a cash advance limit is not shown on your bi lling statement, it means your total credit limit is available for cash 
     advances.  
     We may change these limits 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 amount that might occur.  
     Your available credit may not reflect your payments for up to 14 days. If a transaction exceeds your availab le credit, we 
     may decline it.   
     USING THE ACCOUNT  
     At times we may:  
     �    decline a transaction if there is not enough available credit and for any other reason; and/or  
     �    require our Authorization before allowing a transaction.  
     A merchant may check your ID.  
     We a re not liable if:  
     �    a merchant refuses your card; and/or  
     �    we do not complete your transaction for any reason.  
     RECURRING BILLS  
     If you authorize any company to bill charges on a recurring basis to your Account, we may provide the company with 
     information ab out your;  
     a)   Account number;   
     b)   Account status;  
     c)   Account expiration date.  
     You must notify the company when and if you no longer want to allow them to charge your Account.  
     If you default with us or if we change your Account or Account number for any reas on:  
     �    we may refuse or suspend future recurring charges; and  
     �    you must set up the recurring charges again and/or make other payment arrangements with the company.  
     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 individually responsible for amounts due. This remains true in 
     the event of death, divorce or other events th at affect liability between you and the other person.    
     If any joint Accountholder requests to not be liable for future transactions, we may close the Account.  
     WHEN AND HOW TO PAY  
     You agree to:  
     �    pay at least the Minimum Payment Due as described in Part 2,  and as shown on your billing statement; and  
     �    make this payment in time to be credited by no later than the Payment Due Date.  
     If you wish, you may pay more than the Minimum Payment Due or the entire balance at any time.  
     Instructions for making timely paym ents 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 ord er; 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. Send this payment to the special address on your  statement. This address is 
     called the �Billing Inquiry� address.   
     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 terms 
     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 t hat:  
     �  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 amount 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. cash advance, purchases, etc.); and  
     �  Interest Charges may be restored back to the payment d ate at the APR for that transaction.  
     Interest Rates   
     ABOUT YOUR APRs  
     Your APRs are shown in Part 2.   
     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 n umber up to the next hundred thousandth of a percentage point.  
     PROMOTIONAL OR INTRODUCTORY APR  
     We may offer you special Promotional or Introductory APRs from time to time. If we do, we will tell you:  
     �    the eligible transaction types;   
     �    how long this APR w ill last; and  
     �    any other special terms of the offer.  
     HOW A VARIABLE RATE MAY CHANGE  
     Your variable APRs can change with each monthly billing cycle.   
     We will apply each APR to the applicable balance for each type of transaction. Each variable APR will be eq ual to:  
     a)  the amount shown in Part 2 (�Spread�); plus  
     b)  the U.S. �Prime Rate� as defined below.  
     The Prime Rate will be as shown in the Money Rates table of  The Wall Street Journal  that is in effect on the last day of 
     the month.   
     Any changes in the Prim e Rate will take effect on the first day of your billing cycle beginning in the next month.  
     An increase in the U.S. Prime Rate will increase your Daily Periodic Rates. It may also increase your:  
     �    Interest Due; and/or  
     �    Minimum Payment Due.  
      
     ABOUT THE PENA LTY APR  
     If you do not make your Minimum Payment Due by 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; and  
          � once the Penalty APR goes into effe ct, if you make your Minimum Payment  
     Due by the Payment Due Date for six consecutive billing cycles, your rates will return to the non - Penalty APRs that apply 
     to your Account.  
       Interest Charges   
     HOW INTEREST CHARGES ARE CALCULATED  
     To determine your periodi c Interest Charges on each billing statement, we:  
     �  determine the Average Daily Balance for each type of transaction; (for example, purchases, balance transfers, and cash 
     advances); then  
     �  multiply this number by the applicable Daily Periodic Rate; then  
     �  multiply this number by the total number of days in the billing cycle.  
     We use the applicable Daily Periodic Rate in effect on the billing statement closing date.  
     HOW DAILY BALANCE IS DETERMINED  
     To determine your Daily Balance, we:  
     � take the beginning bala nce for each type of transaction that day;  then  
     � add the following that were incurred on that day:  
     a) any new transactions;  
     b) any previous day�s periodic Interest Charges;  
     c) any Finance Charges; and  
     d)  any fees and charges, including any credit insuran ce premiums or debt cancelation fees, if these apply;   
     then  
     � subtract any payments and/or credits.  
     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 a bove 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 
     Balances in the curre nt 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 Charge calculations wi ll 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 of days  in the billing cycle.  
     PAYING INTEREST  
     Your Account has a grace period on purchases. Periodic Interest Charges begin accruing on purchases, balance 
     transfers, cash advances, and credit card checks on the date of the transaction and continue to accrue until  your balance 
     is paid in full. However, no Interest will be charged on new purchases for any billing cycle when:  
     � you paid your entire New Balance in the previous month on time; and  
     � you pay your entire current month�s balance on time as well.  
     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 Interest Charge listed in Part 2. T he Minimum 
     Interest Charge will be allocated to each balance category subject to an Interest Charge.  
     BALANCE TRANSFER FEE  
     This fee is shown in Part 2. This fee:  
     �  applies to balance transfers and credit card checks; and  
     �  is charged as of the date the tran sfer or check posts to your Account; and  
     �  is added to the same balance as the balance transfer; and  
     �  is a Finance Charge.  
     CASH ADVANCE FEE   
     This fee is shown in Part 2. It applies to:  
     � cash you get over the counter (e.g., at a bank);  
     � cash you get at a n ATM; and  
     �  other �cash - like� transactions (such as money orders, traveler�s checks, casino chips, or lottery tickets)  
     This fee is:  
     � charged as of the date the transaction posts to your Account; and  
     � added to the cash advance balance; and  
     � a Finance Ch arge.  
     FOREIGN TRANSACTION FEE  
     This fee is shown in Part 2. This fee will be charged when a transaction is made in a foreign currency. This fee is:  
     �  charged on the U.S. dollar amount of the transaction; and  
     �  is added to either your Cash Advance or Purchas e balance depending on the type of transaction; and  
     �  is a Finance Charge.  
     The U.S. dollar amount is defined by the Network.   
     The rules that define the U.S. dollar amount are:   
     �  subject  to change at any time, and set  by the Network as allowed by law, cu rrently:  
     -  a wholesale market rate, or  
     -  a government - mandated rate in effect on either:  
     (i) the applicable central processing date, used by the Network; or  
     (ii) one day prior to the processing date.  
     The currency conversion rate in effect on the processing  date may differ from the rate in effect on the transaction or 
     posting date.  
      
     OVERDRAFT TRANSACTION FEE  
     This fee is shown in Part 2.  
     This fee:  
          �  is only applicable to HSBC credit card Accounts providing overdraft protection to designated HSBC Bank deposit  
     accounts;  
          �  applies if your Account is utilized to cover any overdraft on your designated deposit account; and  
          � is computed on the amount of each overdraft transaction.  
     If you requested overdraft privileges:  
          �  we will lend you from your available cash  advance credit limit the amount needed to cover any overdraft due to 
     insufficient funds on the HSBC Bank deposit account;  
          �  we will transfer to the deposit account the amount of the overdraft, rounded to the next full dollar;  
          �  we may not make a transfe r if you do not have sufficient unused credit available or are delinquent, in this case:  
                    -   the overdraft will be subject to the usual deposit account rules and fees.  
          �  we have the right to cancel this Account or your overdraft loan privileges at any ti me.  
      
     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 Part 2 would exceed first - year 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.   
     ANNUAL OR PERIODIC MEMBERSHIP FEE  
     If your Account has an Annual or Periodic Membership Fee, this amount is shown in Part 2. You agree that this fee will be 
     charged to you r Account while your Account is:  
     � open; or   
     � closed with a balance.   
     If you have not used your Account and you close it within 90 days of when it was opened, the Annual or Periodic 
     Membership Fee(s) will be refunded (if paid) or reversed.  
     This Fee compen sates HSBC Bank USA, N.A. in part, for Cardmember services provided or made available to you 
     throughout the membership year.  
     LATE PAYMENT FEE   
     This fee is shown in Part 2. It is charged in any billing cycle that you do not pay at least the Minimum Payment  Due by the 
     Payment Due Date.  
      
     OVER THE CREDIT LIMIT FEE  
     This fee is shown in Part 2 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 Part 2. It is charge d 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 makes a payment to your Account with the assistance of a live phone representative; 
     and  
     �  amount is disclosed at  the time a payment by phone is requested.  
     COPY REQUEST FEE  
     A 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.  
     STOP PAYMENT FEE   
     This fee is shown in Part 2. It may apply when you  request a stop payment on a credit card check you have written.  
     Please note, if the check has already cleared, a stop payment cannot be requested.  
     To request a stop payment you must notify us in writing. Please use the �Billing  Inquiries� address on your  billing 
     statement.  
     If you notify us by phone, you must also notify us in writing within 14 days of your call.   
     Your written, signed request must include these items:  
     � check number;  
     � payee name;  
     � check date; and  
     � check amount.  
     Your stop payment order w ill end after 6 months unless you renew it in writing.  
     HOW WE APPLY PAYMENTS  
     We apply your payment up to and including the Minimum Payment Due as we determine, and usually to lower APR 
     balances before higher ones.  
     Any payment amount greater than the Minimu m Payment Due is applied to higher APR balances before lower ones.  
     GETTING ADDITIONAL CARDS  
     You may:  
     � request additional cards for others; and/or  
     � permit others to use your Card or Account Number.  
     You are responsible for all charges made on additional Ac count cards or by permitted users.  
     To revoke another person�s permission to use your Account, you must:  
     � notify us; and  
     �  retrieve and destroy any cards, checks or other Account access devices from that person.  
     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:  
     �  calling the number on the back of your card; or  
     �  mailing your request to the �Billing Inquiries� address on your billing statement.  
     Once you close the Accoun t:  
     �  you must destroy your card(s) and any unused credit card checks; and  
     �  you will still be responsible for all amounts owed according to the terms of this Agreement.  
     LOST OR STOLEN CARD/CHECKS  
     You agree to notify us immediately if:  
     � your Card or credit  card checks are 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.  
     ACCOUNT DEFAULT    
     We may consider your Account to be in Default if you:  
     a)   fail to make the M inimum Payment Due when due;  
     b)   exceed your credit limit;  
     c)   become the subject of bankruptcy proceedings, foreclosure, repossession, lien or judgment. 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 institution;  
     g)   write any credit card checks that are returned unpaid by us;   
     h)     default under any other  agreement or security agreement you have with us or with one of our affiliates; and/or  
     i)     become incompetent or deceased.   
     Upon default, we have the right to:  
     �    close your Account;  
     �    suspend your credit privileges;   
     �    require you to pay your entire Acc ount balance including any Introductory or Promotional APR balances, all 
     accrued but unpaid Interest Charges and other charges provided for in this Agreement immediately;    
     �    change the terms of your Account; and  
     �    sue you for what you owe.   
     If we incur co sts 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; and  
     - consumer reporting agencies.  
     If you fail to meet the terms of this Agreement, we may send a negative report to consumer reporting agencies.  
     If you believe we have reported inaccur ate 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 Bank, P.O. Box 5253, Carol Stream, 
     IL 60197 - 5253.  
     When you write to us, tell us:  
     -  your Ac count number; and  
     -  the specific information you believe is not correct; and  
     -  why you believe it is not correct.  
      
     ACCOUNT CLOSURE  
     At any time, for any reason, we may take any of these actions subject to applicable law:  
     a) close your Account;  
     b) suspend yo ur access to new credit;    
     c) reduce your credit limit; and/or   
     d) not renew your Card.  
     If we close your Account, you agree to destroy your Card(s) and any unused credit card checks.    
     If your Account is closed for any reason, the terms of this Agreement s till apply to Account balances until your Account is 
     paid in full.   
      
     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 legal, business, competitive environment or other reasons not listed here.   
     We may increase the Interest rate on existing balances in limited circumstances.  Changes to s ome 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  
     We may sell, assign or transfer al l 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 
     thi s 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.  
      
     APPLICABLE LAWS  
     This Agreement is governed by Virginia law and feder al law.   
     We make our credit decisions and extend credit to you under this Agreement from Virginia. This Agreement is:  
     � entered into in Virginia; and  
     � maintained in Virginia.  
     This is true whether or not you use your card in Virginia.   
      
     YOUR BILLING RIGHTS : 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:   
     HS BC Bank USA, N.A.  
     PO Box 5253  
     Carol Stream, IL 60197 - 5253 or at the address shown on your billing statement.   
     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 b usiness 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 erro rs and you may have to pay the amount in question.  
     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 tel l 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 you 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 re sponsible 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 intere st or other fees related to that 
     amount.  
     �  If 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 ma y then report you as 
     delinquent if you do not 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 that 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 foll ow 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 pu rchased with your credit card, and you have tried 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 services.)  
     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 USA, N.A.  
     PO Box 5253  
     Carol Stream, IL 60197 - 5253 or at the address shown   
     on your billing statement.   
     While  we investigate, the same rules apply to the disputed amount as discussed above. After we finish 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.  
     Missouri Res idents: 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 (creditor) from misunderstanding o r 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.  
     AG3158 (10/11) CI  
      
     Cardmember Ag       reement and Disclosure Statement            
     Part 2 of 2: Rates, Fees and Payment Information               
      
     I. INTEREST RATES  
      
     Annual Percentage Rate (�APR�) and Daily Periodic Rate (�DPR�)  
     (as of 03/31/12) Variable Rate Accounts: Your APRs are equal to the  
     Prime Rate plus the li sted Spread.  
      
     APR for Purchases                         
     9.99%  APR  (corresponding  .02737%  DPR)  
     Spread   used                                                 
     6.74%   
      
     APR for Balance Transfers   
     9.99%  APR   (corresponding  .02737%  DPR)  
     Spread   used                                                 
     6.74%   
      
     APR for Cash Advances   
     21.99%  APR  (corresponding  .0 6025%  DPR)  
     Spread   used                                                 
     18.74%  
      
     Penalty APR                
     27.24%  APR  (corresponding  .07463%  DPR)  
     Spread   used                                                 
     23.99%  
      
     II. INTEREST CHARGES AND FEES  
      
     Minimum   Interest Charge:   $.50   
      
     Paying Interest :  Your due date is at least 23 days after the clo se of each billing cycle. We will not charge you interest 
     on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash 
     advances and balance transfers on the transaction date.  
      
     Balance Transfer Fee:     Either  $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $50).  
      
     Cash Advance Fee:   Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: 
     $50).  
      
     Foreign Transaction Fee:   $0  
      
     Overdraft Fee:   $0  
      
     Annual Fe e:   $0  
      
     Late Payment Fee:   $25   
      
     Over the Credit Limit Fee:    $25 if you choose Over the Credit Limit coverage. The Over the Credit Limit Fee will not 
     exceed the amount you are over your credit limit when the fee is charged.  
     Returned Payment Fee:  $25. The R eturned Payment Fee will not exceed the amount of your Minimum Payment 
     Due.  
      
     Stop Payment Fee:   $29   
      
     III. WHEN AND HOW TO PAY  
      
     Minimum Payment Due  
     Your Minimum Payment Due (�Payment Due�) each billing cycle will be as follows:  
         1) If your New Balance i s $25 or less, your Payment Due is equal to your New Balance.  
         2) If your New Balance is more than $25, your Payment Due is equal to any amount past due, plus the greater of:  
            a) $25; or  
            b) 1% of your New Balance; plus  
             -  billed Late  Payment Fees; plus  
             -  billed Over the Credit Limit Fees; plus  
             -  billed Interest Charges; plus  
             -  1/12th of the Annual Fee, if any.  
     Unless your Payment Due is equal to your new Account balance, it will be rounded up to the nearest dollar.  
      
     787095087_Addendum_HSBC Premier Familiy_AG3158  
      
     Rev (12/11)  
      
      
     Pricing Addendum  
      
      
     INTEREST RATES  
      
      
     ABOUT YOUR APRS   
     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; t hen round this number  
     up to the next hundred thousandth of a percentage point.  
      
      
     HOW A VARIABLE RATE MAY CHANGE  
     Your variable APRs can change with each monthly billing cycle. We will apply each APR to the applicable balance for 
     each type of transaction.  
      
     E ach variable APR will be equal to:  
     a) the amount shown in Part 2 above (�Spread�); plus  
     b) the U.S. �Prime Rate� as defined below.  
      
     The Prime Rate will be as shown in the Money Rates table of  The Wall Street Journal  that is in effect on the last day of 
     the  month. Any changes in the Prime Rate will take effect on the first day of your billing cycle beginning in the next month. 
     An increase in the U.S. Prime Rate will increase your Daily Periodic Rates. It may also increase your:  
     � Interest Due; and/or  
     � Minim um Payment Due.  
      
     Specific Rates and Fees may be determined based on your creditworthiness.  
      
      
     APR for Purchases     
     Prime plus 6.74%  
      
     APR for Balance Transfers   
     Prime plus 6.74%, if available  
      
     APR for Cash Advances   
     Prime plus 18.74%  
      
     Penalty APR  
     Prime plus 2 3.99%  
      
     ABOUT THE PENALTY APR  
     If you do not make your Minimum Payment Due by 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; and  
     � once the Penalty  APR goes into effect, if you make your Minimum Payment  
     Due by the Payment Due Date for six consecutive billing cycles, your rates will  
     return to the non - Penalty APRs that apply to your Account.  
      
     Interest Charges  
      
     MINIMUM INTEREST CHARGE:   If you are charg ed Interest, the charge will be no less than the Minimum Interest 
     Charge of $1.00. The Minimum Interest Charge will be allocated to each balance category subject to an Interest Charge.  
      
     Paying Interest:  Your Account has a 23 day grace period on purchases.  Periodic Interest Charges begin accruing on 
     purchases, balance transfers, cash advances, and credit card checks  
     on the date of the transaction and continue to accrue until your balance is paid in  
     full. However, no Interest will be charged on new purchases  for any billing cycle  
     when:  
     � you paid your entire New Balance in the previous month on time; and  
     � you pay your entire current month�s balance on time as well.  
      
     BALANCE TRANSFER FEE :    Either $5 or 3% of the amount of each transfer, whichever is greater (m aximum fee: 
     $50).  
        
     CASH ADVANCE FEE :    Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: 
     $50).  
      
     FOREIGN TRANSACTION  FEE :   $0   
      
     OVERDRAFT FEE :   $0  
      
     FEES AND LIMITS   
      
     ANNUAL OR PERIODIC MEMBERSHIP FEE:   $0   
      
     LATE PAYMENT  FEE :    $25.     
      
     OVER THE CREDIT LIMI T FEE :   $25 if you choose Over the Credit Limit coverage. The Over the Credit Limit Fee 
     will not exceed the amount you are over your credit limit when the fee is charged.  
      
     RETURNED PAYMENT FEE :    $25. The Returned Payment Fe e will not exceed the amount of your Minimum 
     Payment Due.  
      
     Required insurance, debt cancellation or debt suspension coverage:   None  
      
     HOW DAILY BALANCE IS DETERMINED:  
     To determine your Daily Balance, we:  
     � take the beginning balance for each type of transac tion that day; then  
     � add the following that were incurred on that day:  
     a) any new transactions;  
     b) any previous day�s periodic Interest Charges;  
     c) any Finance Charges; and  
     d) any fees and charges, including any credit insurance premiums or debt  
     cancelati on fees, if these apply; then  
     � subtract any payments and/or credits.  
      
     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 of days in the billing cycle.  
      
      
      
     78709508 7_Pricing Addendum_HSBC Premier Familiy_AG3158  
     Rev(03/12)