HSBC GOLD MASTERCARD � CREDIT CARD 
            
                                                             10/2019 
            PART 1 OF 2: AGREEMENT 
           1. ABOUT  THIS  AGREEMENT 
           Part 1 and 2 together make your Cardmember Agreement and Account Opening T able (�Agreement�) and govern your Credit Card 
           Account with us (your �Account�). 
           Part 1 contains T erms and Conditions. 
           Part 2 contains Annual Percentage Rate (�APR�) and fee information. Please read and keep both parts of this Agreement. 
           T h i s A g reemen t i nclu des a n A rbitra tion p rov isi on. I f y ou are a S erv ic emembe r or d ep ende nt c o ve red b y 
           t h e p ro te ct ions o f t he Military L end ing A c t, t h e A rbitra tion p rov isi on d oes n o t app ly t o y o u. 
           2. 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. �Agre ement� means Parts 1 and 2 of this document and any 
           supplements or amendments. �Card� means any card, card number or other device we issue to access your Account. 
           �Network� means Visa International, Mastercard International Incorporated or other governing credit card network, as 
           applicable. 
           3. USING  YOUR  ACCOUNT 
           Your card must be signed before using. When you receive this Agreement, use the Account, or sign or keep the card, you agree 
           to: 
           ? the terms of this Agreement; plus 
           ? any amendments or supplements to the Agreement. 
           T YPES OF USE 
           You may use your Account for: 
           ? Purchases; 
           ? Balance T ransfers; 
           ? Check T ransactions; 
           ? and Cash Advances. 
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           We may limit the amount and/or frequency of any type of use at any time.  
            
           Cash Advance transactions are considered: 
           - ATM withdrawals 
           - Overdraft transaction 
           - Checks used for purposes other than Balance Transfers 
           - Over the counter (at bank) 
           - Other "Cash like" transactions, such as purchasing money orders, gaming transactions, or purchasing 
           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 Agreement. 
           You are not allowed to use your Account: 
           ? T o make payments to this credit card or any other loan payments to us or our affiliates; or for internet gambling. 
           If you have given permission to use this card to someone, these transactions are not considered unauthorized and you will be 
           liable for these purchases. 
           USING T HE 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. 
           Any merchant may request to check your ID  
           We are not liable if: 
           ? a merchant refuses your card; and/or 
           ? we do not complete your transaction for any reason. 
           4. CREDIT  LIMIT 
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           When we first send your Card, we will tell you: 
           ? the total credit limit on your Account. 
           ? the total cash advance limit on your Account. 
            
           I 
           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 
           ? 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 available credit, we may 
           decline it. 
           5. 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. T o determine this rate, we divide your APR 
           by 365; then round this number up to the next hundred thousandth of a percentage point. 
           PROMOT IONAL OR INT RODUCT ORY APR 
           We may offer you special Promotional or Introductory APRs from time to time. If we do, we will tell you: 
           ? T he eligible transaction types; 
           ? how long this APR will last; and 
           ? any other special terms of the offer. 
           HOW A VARIABLE RAT E 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 T ransaction. Each variable APR will be equal to: 
            a)  the amount shown in Part 2 (�Spread�);  plus 
            b)  the U.S. �Prime Rate� as defined below. 
            T he 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: 
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            ?   Interest Due; and/or 
            ?   Minimum Payment Due. 
            6. INTEREST CHARGES 
            HOW INT EREST CHARGES ARE CALCULAT ED 
            T o determine your periodic 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 DET ERMINED  
            T o determine your Daily Balance, we: 
            ?   T ake the beginning balance 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, 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 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 
            Balances in the current billing cycle. 
            ?   If a transaction for a returned payment or a dispute resolved in our favor posts a fter the beginning of the billing cycle, we 
            will make this adjustment: 
            T he applicable Daily Balance(s) and any related Interest Charge calculations 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 of days in the billing cycle. 
            ?   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 
            Balances in the current billing cycle. 
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            ?   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: 
            
           T he applicable Daily Balance(s) and any related Interest Charge calculations will be adjusted to include the transaction 
           amount as of the date of the original payment or transaction. 
           T o calculate your Average Daily Balance, we: 
           ? Add the Daily Balances for each day of the billing cycle; then 
           ? Divide this total by the numb er of days in the billing cycle. 
           PAYING  INTEREST 
           Your due date is at least 25 days after the close of each billing cycle. Your Account has a grace period on purchases. We wil l 
           not charge you interest on new purchases  if you pay your previous non -promotional balance including fees and Interest 
           Charges, by the due date each month. We will begin charging interest on cash advances and balance transfers  on the 
           transaction date, unless under the terms of the promotional offer no interest will accrue during 
           the promotional offer period, provided your account remains in good standing. 
           You cannot avoid paying interest on cash advances and balance transfers.  However, no Interest will be charged on new 
           purchase for any billing cycle when: 
           ? You paid your entire non-promotional balance plus any fees and finance charges in the previous month on time; and 
           ? You pay your entire current month�s non -promotional balance plus any fees and finance charges on time as well. 
           7 . PAY M ENTS 
           PROMISE T O 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. T his remains true in the 
           event of death, divorce or other events that affect liability between you and the other person. 
           If any joint Account holder requests to not be liable for future transactions, we may close the Account. 
           HOW WE APPLY PAYMENTS 
           ? When you make a payment, we apply the Minimum Payment Amount Due to the balance on yo ur monthly statement with the 
           highest APR first. 
           ? Payment amounts in excess of your Minimum Payment Due will be applied to balances with higher APRs before balances with 
           lower APRs. 
           ? We apply payments to balances appearing on your monthly billing statement b efore being applied to new transactions. An 
           example of a new transaction is a recent purchase or cash advance that has not yet been included in the New Balance as shown 
           on your statement. 
           If you do not pay your non-promotional balance in full each month, you may not be able to avoid interest charges on new 
           purchases. 
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           MINIMUM PAYMENT DUE 
           Your Minimum Payment Due (�Payment Due�) each billing cycle will be as follows: 
           1.If your New Balance is $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 )  $ 2 5 
           b )  1% of your New Balance; plus 
           --Billed Late Payment Fees plus 
           --Billed Interest Charges 
           Unless your Payment Due is equal to your new Account balance, it will be rounded up to the nearest dollar. 
           WHEN AND HOW T O PAY  
           You agree to: 
           ? Pay at least the Minimum Payment Due as shown on your billing statement, and described in this Agreement. 
           ? M a ke t his p ay ment i n time t o be c re dit ed by n o later t han t he P ayme nt Du e Da te. I f y ou 
           wi sh , y o u may pay more t han t he Minimum P ayment Due o r t he e ntire b alance a t a ny t ime. 
           Payments must be: 
           ? made in U.S. dollars; and 
           ? paid from a 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. Send this payment to the address noted on your statement as 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 t he 
           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 amount and timing of each payment. Please retain this authorization for your records. If 
           your payment is returned: 
           ? the amount you paid will be reversed back to your Account and may be applied to a different category than originally 
           posted; and 
           ? interest Charges may be restored back to the payment date at the APR for that transaction. 
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           8. FEES AND INTEREST  CHARGES 
           T REAT MENT OF FEES AND INT EREST 
           Any fees or Interest will be added to your purchase balance unless otherwise stated in this Agreement. 
           MINIMUM INT EREST CHARGE 
           If you are charged Interest, the charge will be no less than the Minimum Int erest Charge listed in Part 2. T he Minimum 
           Interest Charge will be allocated to each balance category subject to an Interest Charge. 
           BALANCE T RANSFER FEE 
           T his fee is shown in Part 2. T his fee: 
           ? applies to balance transfers ; and 
           ? is charged as of the date the balance transfer posts to your Account; and 
           ? is added to the same balance as the balance transfer; and 
           ? is a Finance Charge. 
            
           Check Fee 
           This fee is shown in Part 2.  This fee: 
           - applies to checks written for other purposes than Balance Transfers; and  
           - is charged as of the date the check  posts to your Account; and  
           - is added to the same balance as balance transfer/check transaction; and 
           - is a Finance  Charge 
            
            
           CASH ADVANCE FEE 
           T his fee is shown in Part 2. It applies to: 
           ? cash you get over the counter (e.g., at a bank); 
           ? cash you get at an AT M; and 
           ? other �cash-like�  transactions (such as money orders, travelers checks, casino chips, or lottery tickets) 
           T his fee is: 
           ? charged as of the date the transaction posts  to your Account; and 
           ? added to the cash advance balance; and 
           ? a Finance Charge. 
           OVERDRAFT TRANSACTION FEE 
           T his fee is shown in Part 2. 
           T his 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; and 
            ?   added to the cash advance balance; and 
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            ?   is a Finance Charge. 
           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 transfer if you do not have sufficient unused credit available or are delinquent, in this case: 
           T he 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 time. 
           ANNUAL FEE  
           None 
           LAT E PAYMENT FEE 
           It is charged in any billing cycle that you do not pay at least the Minimum Payment Due by the Payment Due Date. T he Late 
           Payment Fee for the first time you are late is $ 28. If another payment is late in the next 6 billing cycles, then your fee is $39. The 
           Late Payment Fee will not exceed the amount of your Minimum Payment Due. 
           LAT E PAYMENT FEE WAIVER - A Late Fee will not be charged: 
            i.  the first time you do not make the Minimum Payment Due by the Payment Due Date. 
            ii.  the first time you do not make the Minimum Payment Due by the Payment Due Date after twelve consecutive 
            billing periods from the last Late Fee assessment. 
           RET URNED PAYMENT FEE 
           It is charged each time a check or other form of payment to us is returned or not honored. T he Returned Payment Fee is up 
           to $39. T he Returned Payment Fee will not exceed the amount of your Minimum Payment Due. 
           COPY REQUEST FEE 
           A fee may be charged each time a copy of a document is requested. T he fee amount will be disclosed at the time of your 
           request. 
           FEES AND LIMIT S 
           T he 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 ma y charge an amount allowed by law. 
           If we do this, it does not affect our ability to charge the full fee amount later. 
            9.  TRANSACT IONS  MADE IN FOREIGN  CURRENCIES 
           If you make a transaction in a foreign currency, the transaction will be converted by the Network, into a U.S. dollar amount in 
           accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. T he cu rrency 
           conversion rate in effect on the processing date may differ from the rate in effect on the tra nsaction or posting date. T he Network 
           may change the procedures, from time to time, at its own discretion. 
            3. YOUR BILLING  RIGHTS 
           T his 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 
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           If you think there is an error on your statement, write to us at: 
           HSBC Bank USA, N.A. PO Box 9, Buffalo, NY 14240 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: T he 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 question. 
           What Will Happen After We Receive Your Letter  
           When we receive your letter, we must do two things: 
           ? 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. 
           ? Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correc t. 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. 
           ? T he charge in question may remain on your statement, and we may continue to charge you interest on that amou nt. 
           ? 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. 
           ? If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fee s. 
           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 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 t ell you 
           the name of anyone to whom we reported you as delinquent, and we must let those organizations know w hen 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 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. 
           T o use this right, all of the following must be true: 
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           ? T he 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.) 
           ? You must have used your credit card for the purchase. Purchases made with cash advances from an AT M or with a check that 
           accesses your credit card account do not qualify. 
           ? 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 9, Buffalo, NY 14240 
           While we investigate, the same rules apply to the disputed amount as decision. 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. 
            
           11. 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 fail to meet the terms of this Agreement, we may send a negative report to consumer reporting agencies.If you believe 
           we have reported inaccurate 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 USA, N.A., PO Box 9, Buffalo, NY 14240. 
           When you write to us, please include: 
            ?   your Account number; and 
            ?   the specific information you believe is not correct; and why you believe it is not correct. 
            12. AUTHORIZED  USERS 
           You may request to add one or more authorized users to your Account. If your request is granted, you are responsible for all 
           charges made by your authorized users.  
           T o 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. 
           We may provide information about this Account to credit reporting agencies for both the Primary Cardmember and 
           Authorized Users, if any. 
            13.  CHANGE  OF TERMS 
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           We may change this Agreement as allowed by applicable law. T his 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 APR on existing balances in limited 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. 
            
           1 4 . ACCOUNT CLOSURE AND DEF AULT 
           CARDMEMBER INIT IATED ACCOUNT CLOSURE  
           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 noted on your billing statement.  
            Once you close the Account: 
            ?   you will no longer be able to make transactions. 
            ?   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. 
            ?   if you are enrolled in a Rewards Program, and you close your Account you will forfeit all your Rewards Program 
            Points earned as of the date the Account is closed. 
           HSBC INIT IAT ED ACCOUNT CLOSURE 
           At any time, for any reason, HSBC may take any of these actions subject to applicable law: 
            ?   close your Account; 
            ?   suspend your access to new credit; 
            ?   reduce your credit limit; and/or 
            ?   not renew your Card. 
           Once HSBC closes your Account: 
            ?   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 still apply to Account balances until your Account 
            is paid in full. 
            ?   if your Account is closed you will not be able to use your Account for new transactions and you will forfeit all your Rewards 
            Program Points as of the date the Account is closed. 
            ?   we reserve the right to close your Account if it is inactive. 
           ACCOUNT DEFAULT 
           We may consider your Account to be in Default if you: 
           ? fail to make the Minimum Payment Due when due; 
           ? exceed your credit limit; 
           ? become the subject of bankruptcy proceedings, foreclosure, repossession,  lien or judgment, garnishment, or attachment; 
           ? give us misleading, false, or incomplete information; 
           ? fail to give us a current physical address when you apply and whenever you move; 
           ? make payments to us that are returned unpaid by your bank or other financial institution; or 
           ? write any credit card checks  that are returned unpaid by us; 
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           ? default under any other agreement or security agreement you have with us or one of our affiliates; and/or become 
           incompetent or deceased. 
           If we incur any 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. 
           1 5 . M ISCELLANEOUS 
           LOST OR ST OLEN 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. T he phone number is listed on your billing statement. 
           RECURRING BILL PAYMENT S 
           If you authorize any company to bill charges on a recurring basis to your Account, we may provide the company with 
           information about your: 
           ? Account number; 
           ? Account status; and 
           ? 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 reason: 
           ? 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. 
           UPDAT ING YOUR RECORDS  
           You agree: 
           ? to give us prompt advance notice of any change in your name, mailing address, phone number, or employer; 
           ? to promptly give us accurate financial information about you if we ask  for it; and 
           ? the Department of Motor Vehicles may release your home address to us if we ever need to locate you. 
           VOICE CALL/T EXT MESSAGING COMMUNICATIONS 
           By providing your phone number(s), you give affiliates, our service providers and us permission to contact you by voice call or 
           via text message (SMS); either using an autodialing system and/or using prerecorded voice. You do not need to agree to 
           receive these calls or texts in order to receive HSBC products or services. You may opt out of receiving autodialed or 
           prerecorded calls or texts. 
           MONIT ORING PRACTICES 
           You agree that we may listen to and record phone calls between you and our representatives. 
           ACCOUNT ASSIGNMENT 
           We 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. 
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           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 
           T his Agreement is governed by Virginia law (without regard to its conflict of laws principles) and federal law. 
           We make our credit decisi ons and extend credit to you under this Agreement from Virginia. T his Agreement is: 
           ? entered into in Virginia; and maintained in Virginia. 
           T his is true whether or not you use your Card in Virginia. 
           Missouri Residents: 
           O r a l a g re em e nt s o r c om m itm e nt s to l oa n m one y , e xt e nd c re dit or t o f orbe a r f rom e nf orc ing r ep ay m en t o f a de bt 
           i n c l ud ing pr om is es t o e xt e nd o r re ne w s uc h d eb t a re no t e nf orc e ab le. To pr ote c t y ou (b orrow e r( s) ) an d us ( cr edi tor ) 
           f r o m m i s unde rs ta nd ing o r dis a ppoin tm e nt , an y a gr ee m e nts w e re ac h c ov e r ing su ch ma t te rs a re c ont ain ed in t his 
           w r i t i ng, w hi ch i s t he c om ple t e a nd ex c lus iv e s t a te m en t o f t he a gre e me nt be t we e n us , e x ce pt a s we m a y lat e r a gre e in 
           w r i t i ng t o m od ify it . 
           16. ARBI TRATI ON 
           PLEASE READ T HIS ARBIT RATION PROVISION CAREFULLY. IF YOU DO NOT WANT DISPUT ES T O BE RESOLVED 
           T HROUGH ARBIT RAT ION, YOU MUST FOLLOW T HE INST RUCT IONS FOR REJECT ING ARBIT RATION NOT ED BELOW. IF 
           ARBIT RAT ION IS CHOSEN BY ANY PART Y, NEIT HER YOU NOR WE WILL HAVE T HE RIGHT T O HAVE A CLAIM HEARD IN 
           COURT OR HAVE A JURY T RIAL ON T HE CLAIM. IN ADDIT ION, YOU AND WE WILL NOT HAVE T HE RIGHT T O 
           PART ICIPAT E IN A CLASS ACT ION AS A REPRESENTATIVE OR MEMBER OF A CLASS. ARBITRATION PROCEDURES ARE 
           GENERALLY SIMPLER T HAN T HE RULES T HAT APPLY IN COURT , AND DISCOVERY IS MORE LIMITED. T HE 
           ARBIT RAT OR�S DECISIONS ARE AS ENFORCEABLE AS ANY COURT ORDER AND ARE SUBJECT T O VERY LIMITED 
           REVIEW BY A COURT . EXCEPT AS SET FORT H BELOW, T HE ARBITRATOR�S DECISION WILL BE FINAL AND BINDING. 
           OT HER RIGHT S YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE AVAIL ABLE IN ARBIT RATION. 
           IF YOU ARE COVERED BY T HE PROT ECT IONS OF T HE MILIT ARY LENDING ACT , T HIS ARBIT RATION PROVISION DOES 
           NOT APPLY T O YOU. 
           DEFINIT IONS 
           In this Arbitration provision, �we�, �us� and �our� includes any corporate parents, subsidiaries,  affiliates or related persons or 
           entities. �Claim� means any current or future claim, dispute or controversy  relating to your Account, your application for an 
           account, this Agreement or the relationship between you and us. If you have signed an Overdraft P rotection Loan Agreement 
           linking one or more checking accounts to your Account to provide overdraft protection, �Claim� also includes any current or 
           future claim, dispute or controversy  relating to the Overdraft Protection Loan Agreement and related linked checking account 
           transactions. �Claims� include any Claims related to advertising, debt collection or credit reporting and any Claim by or 
           against any of our agents or any third parties, including any Claim related to advertising, debt collection or credi t reporting 
           and any Claim by or against any of our agents or any third parties. �Claims� include but are not limited to initial claims, c ross-
           claims, counterclaims and third -party claims. �Claims� include but are not limited to Claims based in tort, contra ct, fraud, 
           common law, equity, statutes and regulations of any kind. 
           CLAIMS SUBJECT T O ARBITRATION 
           Either you or we may require that any Claim be submitted to arbitration, except that: (1) only a court may decide any dispute about 
           the validity, enforceability or scope of this Arbitration provision; and (2) we will not require arbitration for any individual Claim you file 
           in small claims court as long as the Claim is an individual Claim pending in that court. 
           INTERNAL 
            
           You or we may demand to arbitrate any Claim at an y time unless it has been filed in court and trial has begun or final 
           judgment has been entered. Either you or we may delay enforcing or not exercise rights under this Arbitration provision, 
           including the right to arbitrate a Claim, without waiving the rig ht to exercise or enforce those rights. 
           LIMIT ATIONS ON ARBIT RATION 
           CLAIMS MAY ONLY BE ARBIT RATED ON AN INDIVIDUAL BASIS. CLAIMS MAY NOT BE ARBITRATED ON A CLASS ACT ION 
           BASIS, ON A REPRESENT AT IVE BASIS OR ON BEHALF OF T HE GENERAL PUBLIC. 
           T HE ARBIT RAT OR�S AUT HORITY IS LIMITED T O CLAIMS BY OR AGAINST YOU AND US ALONE. CLAIMS MAY NOT BE 
           JOINED OR CONSOLIDAT ED UNLESS YOU AND WE AGREE IN WRIT ING. T HE ARBIT RAT OR MAY NOT AWARD 
           INJUNCT IVE OR OT HER RELIEF T HAT IS PRIMARILY FOR T HE BENEFIT OF T HE GENERAL PUBLIC. 
           If a court determines that any of these Limitations on Arbitration is unenforceable with respect to a Claim, then this entire 
           Arbitration provision (other than this sentence) will not apply to that Claim. 
           HOW T O ST ART AN ARBIT RAT ION 
           T o start an arbitration, contact the American Arbitration Association (�AAA�) (1 -800-778-7879, adr.org). AAA will administer the 
           arbitration unless you and we agree in writing to use a different arbitration administrator or a different administrator is appointed by 
           a court. 
           ARBIT RATION PROCEDURES 
           T his Arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. �� 1 -16 (the �FAA�). Virginia law shall apply 
           to the extent state law is relevant under the FAA. T he administrator�s rules that are in effect when a Claim is filed will apply 
           unless those rules conflict with this Arbitration provision. T he arbitrator will apply applicable substantive law, statutes  o f 
           limitations and privileges. T he arbitrator will not apply any federal or state rul es of civil procedure or evidence. Subject to 
           the Limitations on Arbitration section above, the arbitrator may award any relief available in court. T he arbitration will be 
           confidential, but you may notify any government authority of your claim. If your cla im is for $10,000 or less,  you may choose 
           whether the arbitration will be conducted solely based on documents, through a telephonic hearing or by an in -person 
           hearing. At any party�s  request, the arbitrator will offer a brief written explanation of the awa rd. T he arbitrator�s  award will 
           be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the 
           award by notifying the arbitration administrator and all parties in writing. T he administrator will appoint a three-arbitrator 
           panel to decide anew, by majority vote based on written submissions,  any aspect of the decision objected to. Judgment 
           upon any award may be entered in any court with jurisdiction. An arbitration award and any judgment confirming it cannot 
           be used in any case or arbitration except to enforce the award. Arbitration hearings will take place by telephone or in the 
           federal judicial district where you live. 
           ARBIT RAT ION FEES AND COST S 
           You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but 
           only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for 
           any additional Arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share 
           of any arbitration fees. 
           INST RUCT IONS FOR REJECT ING ARBITRATION 
           You may reject this Arbitration provision. T o do so, you must send a written notice to us stating that you r eject arbitration. 
           Your rejection notice must be signed by you and include your name, address  and Account number. Your letter notifying us 
           that you reject this Arbitration  provision must be postmarked  within 60 days of the Account  Opening Date. If you do n ot 
           know your Account  Opening Date, please call the number listed on the back of your card to obtain the date. 
           You must mail your rejection notice to HSBC Bank, N.A. P.O Box 9, Buffalo, NY 14240. This is the only way that you can reject this 
           Arbitration provision. If you reject this Arbitration provision, all other parts of the Agreement will continue to apply. Rejecting this 
           Arbitration provision has no effect on any other agreements. 
           INTERNAL 
            
           CONT INUAT ION 
           T his Arbitration provision will survive termination of your Account, voluntary payment of your Account balance, any legal 
           proceeding to collect a debt, any bankruptcy and any sale of your Account. Except as otherwise provided in the Limitations on 
           Arbitration section above, if any portion of this Arbitration provision is deemed invalid or unenforceable, the remaining portions of 
           this Arbitration provision will still apply. 
           1 7 . M ILITARY LENDING ACT 
           Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of 
           consumer credit. In general, the cost of consumer credit to a member of the Armed Forces  and his or her dependent may 
           not exceed an annual percentage rate of 36 percent. T his rate must include, as applicable to the credit transaction or 
           account: the costs  associated with credit insurance premiums; fees for ancillary products sold in connection with the credit 
           transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); 
           and any participation fee charged (other than certain participation fees for a credit account).T o hear this disclosure  over t he 
           phone, please call our toll -free number, 866.258.9078. 
           INTERNAL 
           
          C A RDM EMB ER A GREEMENT A ND A C COUNT O PENING TA BL E 
          P ar t 2 of 2 : Rates, Fees and P ayment Infor mation 
          I.  INT EREST RA TES 
          Intr oductor y A P R for P ur chases 
          0 % A P R ( corresponding 0 .00000% DP R) for the first 1 8 months from A ccount opening ( �Introductory P eriod�) . A fter that, 
          y our var iable A PR for P urchases will apply . 
          A nnual P ercentage Rate ( �A PR�) and Daily P eriodic Rate ( �DPR�) ( as of 10/0 1/2019) V ariable Rate A ccounts: Y our A P Rs 
          ar e equal to the P r ime Rate plus the listed Spr ead. 
          A P R for P ur chases 
          1 2 .7 4%, 1 6.74% or 2 0.74% A PR ( corresponding 0.0349 0%, 0 .04586% or 0 .05682% DP R) 
          Spr ead used 
          7 .7 4 %, 1 1.74% or 1 5.74% 
          Intr oductor y A P R for B alance T r ansfer s 
          0 % A P R ( corresponding 0 .00000% DP R) for the first 1 8 months from A ccount opening. ( �Intr oductory P eriod�) . . B alance 
          T r ansfers must be posted within the fir st 6 0 day s following A ccount opening to qualify for the 0 % B alance T ransfer 
          Intr oductor y A P R. A fter that, y our var iable A P R for the B alance Transfers will apply 
          A P R for B alance T r ansfer s 
          1 2 .7 4%, 1 6.74% or 2 0.74% A PR ( corresponding 0.0349 0%, 0 .04586% or 0 .05682% DP R) 
          Spr ead used 
          7 .7 4 %, 1 1.74% or 1 5.74% 
          A P R for C ash A dvances 
          2 6 .7 4%  A PR ( cor responding 0 .07326% DP R) 
          Spr ead used 
          2 1 .74% 
          II.  INT EREST C HARGES A ND FEES  
          M inimum Inter est C harge: $ 1.00 
          P ay ing Inter est: Y our due date is at least 2 5 day s after the close of each billing cy cle. Y our A ccount has a gr ace period on 
          pur chases. We will not char ge y ou inter est on new pur chases if y ou pay y our pr evious non -pr omotional balance, 
          including fees and Inter est C har ges, by the due date each month. 
          B alance T r ansfer Fee: Either $ 10 or 4 % , whichever is gr eater, will apply on each balance tr ansfer . 
           
          C ash A dvance Fee: Either $ 10 or 5 %, whichever is gr eater, will apply on each cash advance transaction. 
          O ver draft T ransaction F ee: Either $ 10 or 5 %, whichever is gr eater, will apply on the over draft amount. A nnual 
          Fee: $ 0 
          L A T E P A YM ENT FEE: up to $ 3 9 
          L A T E P A YM ENT FEE WA IV ER - A L ate Fee will not be char ged: 
          i.  the fir st time y ou do not make the M inimum P ay ment Due by the P ay ment Due Date. 
          INTERNAL 
           
          ii.  the fir st time y ou do not make the M inimum P ay ment Due by the P ayment Due Date after twelve 
          consecutive billing per iods fr om the last L ate Fee assessment. 
          Retur ned P ay ment Fee: up to $ 3 9 . T he Retur ned P ay ment Fee will not exceed the amount of y our M i nimum P ay ment 
          Due. 
          III. I. WH EN A ND H O W T O P A Y 
          M inimum P ay ment Due 
          Y our M inimum P ay ment Due ( �P ay ment Due�) each billing cy cle will be as follows: 
          1 )  If y our New B alance is $ 2 5 or less, y our P ay ment Due is equal to y our New B alance. 
          2 )  If y our New B alance is mor e than $ 2 5 , y our P ay ment Due is equal to any amount past due, plus the gr eater of: 
             a)  $ 2 5 ; or 
             b)  1 % of y our New B alance; plus 
             � billed L ate P ay ment Fees; plus 
             � billed Inter est C har ges; 
          Unless y our P ay ment Due is equal to y our new A ccount balance, it will be r ounded up to the near est dollar . 
          P r icing A ddendum  
          INT EREST RA TES 
          A B O UT Y OU R A PR S 
          A Daily P er iodic Rate is used to deter mine y our Inter est C har ges in any billing cy cle. T o deter mine this r ate, we divide 
          y our 
          A P R by 3 6 5 ; then r ound this number up to the next hundr ed thousandth of a per centage point. 
          H O W A V A R IA B L E RA TE M A Y C H A N GE 
          Y our var iable A P Rs can change with each monthly billing cy cle. We will apply each A P R to the applicable balance for 
          each ty pe of tr ansaction 
          Each var iable A P R will be equal to: 
          a)  the amount shown in P ar t 2 above ( �Spr ead�) ; plus 
          b)  the U.S. �P r ime Rate� as defined below. 
          T he P r ime Rate will be as shown in the M oney Rates table of T he Wall Str eet Journal that is in effect on the last day of the 
          month. A ny changes in the P r ime Rate will take effect on the fir st day of y our billing cy cle beginning in the next month. A n 
          incr ease in the U.S. P r ime Rate will incr ease y our Daily P eriodic Rates. It may also incr ease y our: 
          ?  Inter est Due; and/or 
          ?  M inimum P ay ment Due. 
          Specific Rates and Fees may be deter mined based on y our cr editwor thiness. 
          INTERNAL 
           
           A P R for P ur chases 
           0 % Intr oductor y A PR, for the fir st 1 8  months. A fter that, P r ime plus 7 .7 4%, 1 1 .74% or 1 5.74% 
           A P R for B alance T r ansfer s 
           0 % Intr oductor y A PR, for the fir st 1 8  months. A fter that, P r ime plus 7 .7 4%, 1 1 .74% or 1 5.74% 
           A P R for C ash A dvances  
           P r ime plus 2 1 .74% 
           INT EREST C H A RGES 
           H ow A ver age Daily B alance is Determined:  
           T o deter mine y our Daily B alance, we: 
           ?  take the beginning balance for each ty pe of tr ansaction that day ; then 
           ?  add the following that wer e incur r ed on that day : 
           a)  any new tr ansactions; 
           b)  any pr evious day �s per iodic Inter est C har ges; 
           c)  any Finance C har ges; and 
           d)  any fees and char ges, including any cr edit insur an ce pr emiums or debt cancelation fees, if these apply ; then 
              ?  subtr act any pay ments and/or cr edits.  
           T o calculate y our A verage Daily B alance, we: 
           ?  add the Daily B alances for each day of the billing cy cle; then 
           ?  divide this total by the number of day s in the bil ling cy cle. 
           P ay ing Inter est: Y our due date is at least 2 5 day s after the close of each billing cy cle. Y our A ccount has a gr ace 
           per iod on pur chases. We will not char ge y ou inter est on new pur chases if y ou pay y our pr evious non -pr omotional 
           balance, including fees and Inter est C har ges, by the due date each month. We will begin char ging inter est on cash 
           advances and balance tr ansfer s on the tr ansaction date. Y ou cannot avoid pay ing inter est on cash advances and 
           balance tr ansfer s. H owever , no Inter est will be ch ar ged on new pur chases for any billing cy cle when: 
           ?  y ou paid y our entir e non-pr omotional balance plus any fees and finance changes in the pr evious month on time; 
           and 
           ?  y ou pay y our entir e cur r ent month�s non-pr omotional balance plus any fees and finance changes on time as well. 
           M inimum Inter est C har ge: If y ou ar e char ged Inter est, the char ge will be no less than the M inimum Inter est 
           C har ge of $ 1 .0 0 . T he M inimum Inter est C har ge will be allocated to each balance categor y subject to an Inter est 
           C har ge. 
          B alance T r ansfer Fee: Either $ 10 or 4 % , whichever is gr eater, will apply on each balance tr ansfer .
            
           C ash A dvance Fee: Either $ 10 or 5 %, whichever is gr eater, will apply on each cash advance transaction. 
           O ver draft T ransaction Fee: Either $ 10 or 5 %, whichever is gr eater, will apply on the over draft amount. FEES 
           A ND L IM ITS 
           A nnual or P er iodic M ember ship Fee: $ 0 
          INTERNAL 
           
           L A T E P A YM ENT FEE: up to $ 3 9 
           . 
           L A T E P A YM ENT FEE WA IV ER - A L ate Fee will not be char ged: 
           i.  the fir st time y ou do not make the M inimum P ay ment Due by the P ay ment Due Date. 
           ii.  the fir st time y ou do not make the M inimum P ay ment Due by the P ayment Due Date after twelve 
           consecutive billing per iods fr om the last L ate Fee assessment. 
           Retur ned P ay ment Fee:up to $ 3 9. In no event will y our Returned P ay ment Fee exceed the M inimum P ayment Due. 
           Requir ed insur ance, debt cancellation or debt suspension coverage: None 
           7 8 7 095087_Pricing A ddendum_HBUS_Gold_             10/2019 
          INTERNAL