Cardmember Agreement and Disclosure Statement 

Term ID 100222 

This document and accompanying Additional Disclosure Statement make up your Cardmember 
Agreement and Disclosure Statement and throughout this document are referred to as the 
“Cardmember Agreement” or “Agreement.” The Additional Disclosure Statement contains 
important Account information including your Annual Percentage Rates (APRs) and the amount 
of any fees. Please take the time to familiarize yourself with your Agreement and retain it for 
future reference. 

Thank you for being an HSBC Cardmember. We appreciate your business. 

AGREEMENT TO TERMS AND DEFINITIONS 

This Cardmember Agreement and Additional Disclosure Statement as presently set forth, and as 
they may be amended, govern the open end line of credit we have established for you (your 
”Account”). We refer to these documents jointly as your “Cardmember Agreement” or 
“Agreement.”  “You” and “your” refer to all persons who applied for the Account or are 
contractually liable through any other means. “We,” “us,” and “our” refer to HSBC Bank Nevada, 
N.A. “Card” means any credit card, your assigned Account number and any  other access 
devices issued under this Agreement. “Network” means Visa International, MasterCard 
International Incorporated, Discover Financial Services LLC or other governing credit card 
network, as applicable. 

You and we are bound by this Agreement from the earlier of the time you receive it or from the 
date of the first transaction, including, without limitation, the placement or posting of any Annual 
Fee or Periodic Membership Fee on your Account. You may close your Account before using it 
without paying any Annual Fee, or Periodic Membership Fee, if applicable, to your Account, when 
you call us within 90 days of your Account open date at the customer service number on the back 
of your Card. 

USING YOUR ACCOUNT 

Account Use Restrictions 

You agree to use your Account only for personal, family, household, or charitable purposes. You 
agree not to use your Account to make payments to us or to any of our affiliates. You agree to 
use your Account only for valid and lawful purposes. If your Account is used for any other 
purposes, you are responsible for such use and may be required to reimburse us and the 
Network for all resulting amounts and expenses. You are not authorized to use your Account for 
any internet gambling transactions, even if otherwise lawful and enforceable. 

Types of Account Transactions 

You can access your Account using your Card or by other means approved by us to make 
purchases, receive cash advances, or make balance transfers (if offered). We may limit the dollar 
amount and/or frequency of any type of transaction without notice to you.  

Additional Cards 

You may request additional Cards on your Account for yourself or others and you may permit 
authorized users to have access to the Card or Account number. You are personally responsible 
for each use of each Card issued on your Account according to the terms of this Agreement. If 
you permit authorized users to have access to your Account, you must pay us for all charges 
incurred by those persons, including charges for which you may not have intended to be 
responsible. You must notify us to revoke an authorized user's permission to use your Account. If 
you do so, we may close the Account and issue a new Card or Cards with a different Account 

 
 
 
number. You are responsible to recover from that authorized user and destroy any Cards, checks 
and other devices that can be used as a means of accessing your Account. 

YOUR CREDIT 

Credit Limit  

The Card must be signed to be used.  Whether you sign the Card or not, you are fully responsible 
for complying with all the terms of this Agreement, including the obligation to pay us for all 
balances due on your Account as specified in this Agreement. 

We will advise you of the total credit limit on your Account when we first send you your Card. All 
or a portion of your total credit limit is available for cash advances. Your total credit limit and cash 
advance limit may change from time to time. We will notify you of any such changes through your 
billing statement or by sending you a separate notice. If no separate cash advance limit is listed 
on your billing statement, then the amount of your credit limit available for cash advances is your 
total credit limit.  

You agree not to allow your unpaid balance (including Interest Charges and other charges) to 
exceed your total credit limit. We may elect to not extend credit if you have exceeded your total 
credit limit or if the amount requested would cause you to exceed your total credit limit. If you 
exceed your total credit limit, you agree to pay us that excess amount immediately.  

Your available credit may not reflect your payments for up to 14 days. 

Credit Authorizations 

Some transactions may require our prior authorization and you may be asked by the merchant to 
provide identification. We may not be able to authorize a transaction, even if you have sufficient 
available credit. We may refuse to authorize any transactions at our sole discretion. We will not 
be liable to you if any of these events happen. We are not responsible for refusal or failure by any 
merchant to accept or honor your Card, or if a transaction cannot be completed for technical or 
other reasons. 

PAYMENT 

Promise to Pay 

You promise to pay according to the terms of this Agreement for all: (a) credit we extend on your 
Account; (b) Interest Charges, and other fees and charges; and (c) collection costs and attorneys’ 
fees to the extent permitted by applicable law.  

If your Account is a joint Account, each joint Accountholder is jointly and individually responsible 
for all amounts due under this Agreement regardless of death, divorce, other legal proceedings or 
any agreement that may affect liability between you. If any joint Accountholder requests to not be 
liable for future transactions, we may close the Account.  

Payment  

Each periodic billing statement you receive from us will identify a Minimum Payment Due. 

Recurring Transactions 

If you authorize a third party to bill charges on a recurring basis to your Account, we may (but are 
not required to) provide such third party with your current Account status, Account number and/or 
expiration date to permit that party to continue billing your Account. We may take such steps even 
if your Account number changes or if we issue a renewal or replacement card. To withdraw 
authorization for a recurring charge in such a case, you must notify the third party. If you default, 
if a card is lost or stolen, or if we change your Account or Account number for any reason, we 

 
 
 
may refuse or suspend recurring charges; in such case you will be responsible for making 
arrangements to reinstate the recurring charge arrangement and/or for making other payment 
arrangements. 

Timing and Form of Payments 

You agree to pay at least the Minimum Payment Due, in time to be credited to your Account as of 
the Payment Due Date. Instructions for making payments are on your billing statement. For a 
payment to be credited to your Account as of a particular day, we must receive your payment by 
the date and time and in the manner specified in those instructions. You may pay more than the 
Minimum Payment Due and you may pay the entire New Balance at any time. 

All payments must be in U.S. dollars. Except for disputed payments, if you pay by mail the 
payment must be sent to the address shown on your billing statement. If you pay by negotiable 
instrument, such as a money order or check, it must be in a form that is acceptable to us and 
must be drawn on a U.S. financial institution. Any check, money order or other instrument 
tendered as an accord and satisfaction, or which includes a condition, restrictive endorsement or 
any statement to the effect that acceptance of such instrument shall constitute full or partial 
satisfaction of a disputed or undisputed debt (collectively, a “Condition”) must be sent to the 
inquiries address on your billing statement. You must note conspicuously on the face of the 
payment instrument that it is tendered for this purpose. We reserve the right to refuse to accept 
any payment that is subject to a Condition. If the payment does not comply with the foregoing and 
we process it, we will not be bound by the Condition. By sending us a check for payment on your 
Account, you authorize us to initiate an electronic funds transfer from your bank or other financial 
institution account according to the terms of the check. This means that your check will be 
converted to an electronic transaction and your original check will not be returned to you by your 
bank. Your original check will be destroyed. Your checking or other financial institution account 
may be debited the same day we receive your check. If you do not want your checks to be 
converted to an electronic funds transfer, please call customer service at the phone number on 
the back of your Card. When you use our optional payment by phone service, you authorize us to 
initiate an electronic funds transfer from your designated bank account or to process the payment 
as a check transaction. You must authorize the amount and timing of each payment. Please 
retain this authorization for your records.  

Application of Payments  

We apply the amount of your payment equal to the Minimum Payment Due at our discretion and 
generally to lower APR balances before higher APR balances. We apply any payment in excess 
of the Minimum Payment Due on your Account to higher APR balances before lower APR 
balances. 

INTEREST RATES AND FINANCE CHARGES 

Interest Rates 

The APRs on your Account are either fixed or variable rates as indicated on the Additional 
Disclosure Statement. The APR is divided by 365 and rounded to the next highest hundred 
thousandth of a percentage point to determine your Daily Periodic Rate. The Daily Periodic Rate 
is used to determine the amount of Periodic Interest Charges. Variable rates are determined by 
adding a specified amount (“Spread”) to an Index (described below). 

Index for Variable Rate Accounts 

Monthly Index Information 

 
 
 
 
For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to 
the U.S. prime rate published in the Money Rates table of The Wall Street Journal that is in effect 
on the last day of the month ("Prime Rate").  

If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle 
beginning in the next month. 

An increase in the Prime Rate will increase your applicable Daily Periodic Rates which may 
increase the Interest Charge due on your Account and may increase the Minimum Payment Due. 
Each time any APR changes; we will apply it to any applicable balances. If a different Index is 
applicable to your Account, the Index will be disclosed on the Additional Disclosure Statement 

Purchase APR 

The Spread (for variable rates), APR, and corresponding Daily Periodic Rate are disclosed on the 
Additional Disclosure Statement. 

Balance Transfer APR 

The Spread (for variable rates), APR, and corresponding Daily Periodic Rate are 
disclosed on the Additional Disclosure Statement.  Balance transfers may not always be 
available. 

Cash APR 

The Spread (for variable rates), APR and corresponding Daily Periodic Rate are disclosed on the 
Additional Disclosure Statement. 

Penalty APR 

The Spread (for variable rates), APR, and corresponding Daily Periodic Rate for the 

Penalty APR are Disclosed on the Additional Disclosure Statement. 

Your APRs may increase to the Penalty APR if you fail to make a minimum payment to 

us when due. 

In determining whether to apply your Penalty APR, we may consider the following factors:  how 
long your Account has been open, the existence, seriousness, or timing of the defaults on your 
Account or any other account you have with us; other indications of your Account usage and 
performance; information about your other relationship(s) with us or any of our related 
companies; and information we obtain from consumer credit reports obtained from consumer 
reporting agencies.  If your Account becomes subject to the Penalty APR, we will provide 
advance notice before the Penalty APR goes into effect. If you make the next six consecutive 
minimum payments once the Penalty APR goes into effect, your rates will return to the non-
penalty APRs applicable to your Account.  If you do not make these six consecutive minimum 
payments, we may keep the Penalty APR on your Account indefinitely. 

Promotional or Introductory APR 

At our discretion, we may offer you a Promotional or Introductory APR for any type of transaction. 
Any Promotional or Introductory APR offer will be subject to the terms of the offer and this 
Agreement. 

See the Additional Disclosure Statement for any additional APRs that may be applicable to your 
Account. 

Interest and Finance Charges 

All Interest and Finance Charges will be added to the purchase balance, unless otherwise 
specified. 

 
 
  
   
 
Please see the Additional Disclosure Statement for applicability and amount of the following 
Interest and Finance Charges. 

Minimum Interest Charge   

The Minimum Interest Charge is the minimum amount of interest that will be assessed in any 
billing cycle in which a periodic Interest Charge is payable.  The Minimum Interest Charge will be 
allocated to each category of transactions containing balances subject to an Interest Rate. 

How Periodic Interest Charges are Calculated  

Periodic Interest Charges are added to the Account when we apply the applicable APR to the 
balances on the billing statement.  We do this by multiplying the Average Daily Balance for each 
type of transaction shown on your billing statement (for example, purchase, balance transfers, 
cash advances) by the applicable Daily Periodic Rate.  We then multiple the result by the number 
of days in the billing cycle. Periodic Interest Charges will be calculated using the Daily Periodic 
Rate in effect on the billing statement closing date. 

How Average Daily Balance is Determined 

To calculate the Daily Balances, we take the beginning balance for each type of transaction every 
day, add any new transactions, any previous day’s periodic Interest Charges, any Finance 
Charges, any fees and charges, and subtract any payments and/or credits and make any 
necessary adjustments.  If a transaction posts after the beginning of a billing cycle, but the 
transaction occurred prior to the beginning of that billing cycle, the applicable Daily Balance and 
any related Interest Charge calculations may be adjusted to include the transaction amount 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, payments made during that cycle will be subtracted from all Daily 
Balances in the current cycle. If a transaction for a returned payment or a dispute resolved in our 
favor posts after the beginning of the billing cycle, the applicable Daily Balance(s) and any related 
Interest Charge Calculations will be adjusted retroactively to include the transaction amount as of 
the date of the original payment or transaction. To calculate the Average Daily Balance, we add 
the Daily Balances for each day of the billing cycle and divide the total by the number of days in 
the billing cycle. 

 How to Avoid Paying Interest on Purchases and Balance Transfers (Grace period on 
Credit Card Purchases and Balance Transfers) 

Periodic Interest Charges begin to accrue on the date of the transaction and continue to accrue 
until your balance is paid in full. However if  you pay your entire New Balance by the Payment 
Due Date in the previous month, you can pay your current month’s New Balance within at least 
23 days (unless otherwise disclosed on the Additional Disclosure Statement) of the Statement 
Date without being charged Interest on your purchases. 

Paying Interest on Other Transactions (No Grace period on other transactions)  

There is no grace period for other transactions including cash advances and credit card checks, 
unless otherwise disclosed. Periodic Interest Charges begin to accrue on the date of the 
transaction and continue to accrue until payment in full is credited to your Account.  

Changing Your Billing Cycle 

 Any request to change your billing cycle date is subject to our approval. You agree that changes 
based on your request may shorten any Grace Period you may have or increase the time period 
for which periodic Interest Charges may accrue.  

Balance Transfer Fee Finance Charges 

 Balance Transfers include balance transfers and credit card checks.  A Balance Transfer Fee 
Finance Charge will be assessed on the amount of each balance transfer and credit card check 
as of the date the transaction posts to your Account and will be added to that transaction balance.  

Cash Advance Fee Finance Charges 

 
 Cash advances include all advances to get cash over the counter, through an ATM, or other 
“cash-like” transactions (such as purchasing a money order, traveler’s check, casino betting chip, 
or a lottery ticket) as determined by us. A Cash Advance Fee Finance Charge will be assessed 
on the amount of each cash advance as of the date the transaction posts to your Account and will 
be added to the cash balance. 

Foreign Transaction Fee Finance Charge 

 A Foreign Transaction Fee Finance Charge may be assessed on the U.S. dollar amount on 
transactions made in a foreign currency, as of the transaction date. The Foreign Transaction Fee 
assessed on purchases will be added to the purchase balance, and the Foreign Transaction Fee 
assessed on cash advances will be added to the cash balance. 

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. Currently, network regulations and 
procedures provide that the currency conversion rate to be used is either (1) a wholesale market 
rate, or (2) a government-mandated rate in effect on either i) the applicable central processing 
date, 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. The Network 
may change the procedures, from time to time, at its own discretion.  

See Additional Disclosure Statement for any additional Interest or Finance Charges that may be 
applicable to your Account. 

If the imposition of any fee amount specified on your Additional Disclosure Statement would 
exceed limits established by applicable law, we reserve the right to impose the maximum 
allowable fee without waiving our right to impose the full specified fee amount thereafter.  

ACCOUNT FEES AND OTHER CHARGES 

Please see the Additional Disclosure Statement for amounts of the following fees and other 
charges.  All such fees and other charges will be added to the purchase balance, unless 
otherwise specified. If the imposition of any fee amount specified on your Additional Disclosure 
Statement would exceed limits established by applicable law, we reserve the right to impose the 
maximum allowable fee without waiving our right to impose the full specified fee amount 
thereafter. 

Annual Fee/Periodic Membership Fee 

If your Account is subject to an Annual Fee or Periodic Membership Fee, you agree to pay this 
fee each year (or other periodic assessment if indicated on the Additional Disclosure Statement) 
your Account is open, or closed with a balance.  You agree that this fee will be charged to your 
Account.  

If you close your Account within the first 90 days your Account is open, the Annual Fee/Periodic 
Membership Fee(s) are refundable so long as you have not used the Account. The Annual 
Fee/Periodic Membership Fee compensates HSBC Bank Nevada, N.A. in part, for cardmember 
services provided or made available to you throughout the membership year. 

 
 
 
 
Late Payment Fee 

A Late Payment Fee may be assessed for each billing cycle in which at least the Minimum 
Payment Due, including any amount past due, is not paid in time to be credited to the Account by 
the Payment Due Date.  

Over the Credit Limit Fee 

If you choose Over the Credit Limit coverage, an Over the Credit Limit Fee may be assessed if 
the Account balance exceeds the total credit limit at any time during a billing cycle.  

Returned Payment Fee  

A Returned Payment Fee may be assessed to the Account each time a payment check, 
automatic payment deduction, or other payment method is not honored or is returned unsatisfied 
by your bank or other financial institution. Any payment returned unsatisfied for any reason may 
be reposted to any type of transaction (i.e. cash advance, purchases, etc.) and Interest Charges 
may be reinstated back to the payment date at the APR being charged for that transaction. 

Payment by Phone Fee 

A  Payment by Phone Fee may be assessed to the Account each time a payment is made by 
telephone, even if the payment is made by someone other than you. The amount of this fee will 
be disclosed at the time such payment is requested. 

Stop Payment Fee 

A Stop Payment Fee may be added to the cash advance balance when a payment of a credit 
card check is stopped at your request. Payment may be stopped on a credit card check by 
notifying us in writing or by calling us at the telephone number listed on the Account billing 
statement, so long as such check has not already been processed. A stop payment request must 
include the check number, payee, amount, and date of the credit card check on which payment is 
to be stopped. If a stop payment is requested by telephone, the call must be confirmed in writing 
within 14 days. A written stop payment will remain in effect for six months unless renewed in 
writing. Written stop payment requests should be sent to the inquiries address shown on your 
billing statement.  

Research Fee 

A Research Fee may be assessed to the Account for each copy of a requested document. The 
amount of this fee will be disclosed at the time such copies are requested. 

Additional Fees 

See the Additional Disclosure Statement for any other fees that may be applicable to your 
Account. 

ACCOUNT RENEWAL, CLOSURE AND TERMINATION 

Card Renewal 

Cards are issued with an expiration date. We have the right not to renew your Card for any 
reason. 

Closing Your Account 

You can close your Account by notifying us in writing or by telephone. Your Account balance will 
continue to accrue Interest Charges and other charges and fees and your Account will remain 
subject to all the terms and conditions of this Agreement.  We will not honor any credit card check 
written on your Account or authorize any transactions after your Account is closed and you must 

  
 
 
 
destroy your Card(s) and any unused credit card checks. Send your written request to close your 
Account to the inquiries address shown on your billing statement or you may call us at the 
telephone number listed on your billing statement. 

Account Closure 

We may close your Account, suspend your credit privileges, or reduce your credit limit at any time 
and for any reason, subject to the requirements of applicable law. In any of these events, your 
Account balance will continue to accrue Interest Charges and other charges and fees and will 
remain subject to all the terms and conditions of this Agreement. If we close your Account, you 
agree to destroy your Card(s) and any unused credit card checks. If your Account has been 
closed, or your credit privileges are suspended, you may not use your Card or credit card checks. 

Default  

You will be in default under this Agreement if: (a) you fail to make at least the Minimum Payment 
Due in time to be credited to your Account as of the Payment Due Date; (b) you violate any other 
provision of this Agreement; (c) you become deceased; (d) you become subject to bankruptcy or 
insolvency proceedings; (e) you supply us with misleading, false, incomplete or incorrect 
information; (f) we receive information from third parties, including  consumer reporting agencies, 
which indicate a serious delinquency or charge-off with other creditors; (g) you fail to provide us a 
physical address; (h) you exceed your credit limit; (i) your payment is returned unsatisfied by your 
bank or other financial institution for any reason; or (j) any credit card check is returned unpaid by 
us. Upon default, we have the right to close your Account, to terminate or suspend your credit 
privileges under this Agreement, to change the terms of your Account and this Agreement, and to 
sue you for what you owe. If you do not pay us, your Account balance will continue to accrue 
Interest Charges and other charges and fees until paid in full and will remain subject to all the 
terms and conditions of this Agreement. If we sue you, or if we hire a third party to collect your 
Account balance, you will pay our court costs, reasonable attorneys’ fees and other collection 
costs related to the default to the extent permitted by law in the state in which you reside, and we 
will apply your payments first to attorneys’ fees and other costs and then to principal and unpaid 
Interest Charges. 

CREDIT CARD FRAUD 

Lost or Stolen Credit Card or Account Checks 

You agree to notify us immediately if your credit card or credit card checks are lost or stolen or 
your Account number is compromised. You may notify us by calling us at the phone number listed 
on your billing statement. 

Liability for Unauthorized Use 

You should retain copies of all charge slips until you receive your billing statement, at which time 
you should verify that the charges are true and the amounts unaltered. You may be liable for the 
unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after 
you notify us of the loss, theft or possible unauthorized use. Notification must be given either by 
writing us immediately upon learning of the loss, theft or possible unauthorized use or calling us 
immediately at the telephone number listed on your billing statement. You will not be liable for any 
unauthorized use of your Account when you notify us immediately by phone or in writing. In any 
case, your liability for unauthorized use of your credit card will not exceed $0. To notify us of 
unauthorized use of your credit card, you may call or write to us at the telephone number or 
inquiries address shown on your billing statement.  

PERSONAL INFORMATION 

Change of Name, Address, Telephone Number or Employment 

 
 
You agree to give us prompt notice of any change in your name, mailing address, telephone 
number or place of employment. 

Updated Financial and Other Information 

Upon request, you agree to promptly give us accurate financial and other information about 
yourself. 

Credit Reporting 

If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit 
record may be submitted to consumer reporting agencies. If any specific information related to 
your Account transactions or credit experience with us is inaccurate, you may notify us to correct 
the inaccurate information (after confirmation of the alleged error) reported to any consumer 
reporting agency by writing to us at P.O. Box 98706, Las Vegas, NV 89193. 

Certain Privacy Practices 

You agree that from time to time we may receive credit information concerning you from others, 
such as stores, other lenders, and consumer reporting agencies, and that we may use this 
information to amend, cancel or suspend your credit privileges under this Agreement even if you 
are not in default with us. You agree that the Department of Motor Vehicles may release your 
residence address to us, should it become necessary to locate you. You agree that our 
supervisory personnel may listen and record telephone calls between you and our 
representatives in order to evaluate the quality of our service to you and to other cardmembers. 
For additional information regarding our privacy practices, please refer to our Privacy Statement.  

ADDITIONAL TERMS 

Change of Terms (Including Interest Charges)  

WE MAY CHANGE OR TERMINATE ALL OR ANY PART OF THIS AGREEMENT OR ADD 
NEW TERMS AT ANY TIME, INCLUDING WITHOUT LIMITATION ADDING OR INCREASING 
FEES, INCREASING YOUR PERIODIC PAYMENT, INCREASING THE RATE OR  AMOUNT 
OF INTEREST AND FINANCE CHARGES, OR CHANGING THE METHOD OF COMPUTING 
THE BALANCE UPON WHICH  INTEREST/FINANCE CHARGES ARE ASSESSED.   
REASONS FOR A CHANGE MAY INCLUDE, BUT ARE NOT LIMITED TO, A CHANGE IN 
YOUR CREDIT HISTORY, AN INCREASE IN YOUR CREDIT OBLIGATIONS, ACCOUNT 
PERFORMANCE, USE OF YOUR CREDIT LINES, OR OUR FINANCIAL RETURN.  THESE 
RATE CHANGE PROVISIONS DO NOT APPLY TO ROUTINE VARIABLE RATE ACCOUNT 
ADJUSTMENTS WHICH ARE SET FORTH IN THIS AGREEMENT. ANY CHANGES WILL BE 
IN ACCORDANCE WITH THIS AGREEMENT AND APPLICABLE LAW. NOTICE OF ANY 
CHANGE WILL BE PROVIDED TO YOU AS REQUIRED BY APPLICABLE LAW, WHICH MAY 
INCLUDE THE RIGHT TO OPT OUT OF CERTAIN CHANGES. UNLESS OTHERWISE 
STATED, CHANGES APPLY TO BOTH NEW AND OUTSTANDING BALANCES.  

OTHER INFORMATION 

.  

Assignment of Account 

We may sell, assign or transfer your Agreement and Account or any portion thereof without notice 
to you. You may not sell, assign or transfer your Account.  If we sell, assign, or transfer your 
Account the purchaser, assignee, or transferee shall have the same rights as we do under this 
Agreement.  

Waiver 

 
 
We may choose to delay enforcing or waive any of our rights under this Agreement in certain 
situations. We can delay enforcing or waive any of our rights without affecting our other rights. If 
we delay or waive a right, we do not thereby delay or waive the same right in other situations. 

Severability 

If any provision of this Agreement is finally determined to be void or unenforceable under any law, 
rule or regulation, all other provisions of this Agreement will remain valid and enforceable. 

Applicable Law 

This Agreement and your Account will be governed by federal law and, to the extent state law is 
applicable, the laws of the state of Nevada, whether or not you live in Nevada and whether or not 
your Account is used outside Nevada. This Agreement is entered into in Nevada, your Account is 
maintained in Nevada, and all credit under this Agreement will be extended from Nevada.  

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: 

HSBC Bank Nevada, 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 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: 

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 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 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 fees. We will send you a statement of the 
amount you owe and 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 with 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 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. 

To use this right, all of the following must be true: 

1.  The purchase must have been made in you 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 you credit card for the purchase. Purchases made with cash advances 

from an ATM or with a check that accesses you 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 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.  

HSBC Bank Nevada, N.A 

Brian Hughes 

Executive Vice President 

HSBC Card & Retail Services 

August 1, 2011 

HSBC Card Services, Inc, an affiliate of HSBC Bank Nevada, N.A. (the issuer of this Account), 
provides administrative and processing services for this credit card or line of credit program.  

MasterCard is a registered trademark of MasterCard international Incorporated  

Visa is a registered trademark of Visa International Service Association  

© Copyright HSBC Finance Corporation. 2011. All Rights Reserved. 

Term ID 100222 

ADDITIONAL DISCLOSURE STATEMENT 
Minimum Payment Due 
Your Minimum Payment Due each month will be calculated as follows: 
(a) If your New Balance is not more than $25, your Minimum Payment is the New Balance. 
(b) If your New Balance is more than $25, your Minimum Payment is the greater of: 
(i) 1% of the New Balance shown on your statement plus the following: 
• any periodic Interest Charges posted to your Account during the billing cycle, and 
• an amount equal to 1/12 of the Annual Fee, if applicable, or 
(ii) $25 
(c) Any Past Due Amount shown on your statement will be added to the Minimum Payment. 
(d) If your Account has met either of the following scenarios, then the amounts of any Late 
Payment Fees or Over the Credit Limit Fees, if applicable, will be added to your Minimum 
Payment: 

 
 
 
 
 
 
  
 
 
 
 
 
 
 
(i) You make at least the Minimum Payment Due requested for three consecutive billing cycles, 
and the total of these payments do not exceed the total Late Payment Fees, Over the Credit Limit 
Fees, Annual Fees, and Interest Charges assessed in those three billing cycles; or 
(ii) You make at least the Minimum Payment Due requested in the current billing cycle, and the 
total payments received as requested for the last nine billing cycles do not exceed the total Late 
Payment Fees, Over the Credit Limit Fees, Annual Fees, and Interest Charges assessed in those 
nine billing cycles. 

Your Minimum Payment Due will be rounded up to the nearest dollar, unless doing so will cause 
the resulting value to exceed the New Balance 

INTEREST RATES AND FINANCE CHARGES 

Annual Percentage Rates (“APR”) and Daily Periodic Rates (“DPR”) as of 06/30/10 

Purchase APR:   
Applies to credit card purchases 
19.99% APR (corresponding 0.05477% DPR) 
This APR will vary with the market based on the Prime Rate. 
Spread  
16.74% 

Balance Transfer APR:  
Applies to balance transfers and credit card checks, if available 
19.99% APR (corresponding 0.05477% DPR) 
This APR will vary with the market based on the Prime Rate. 
Spread  
16.74% 

Cash APR:  
Applies to cash advances 
20.90% APR (corresponding 0.05726% DPR) 
This APR will vary with the market based on the Prime Rate. 
Spread 
17.65% 

Penalty APR 
29.99% APR (corresponding 0.08216% DPR) 
This APR will vary with the market based on the Prime Rate. 
Spread 
26.74% 

Minimum Interest Charge:  $1.00  

Balance Transfer Fee Finance Charge: for Balance Transfer and credit card checks (if offered): 
Either $10 or 5% of the amount of each transaction, whichever is greater, unless otherwise 
disclosed in a separate offer. 

Cash Advance Fee Finance Charge: Either $10 or 5% of the amount of each transaction, 
whichever is greater. 

Foreign Transaction Fee Finance Charge:  3% of the U.S. dollar amount on transactions made 
in a foreign currency. 

ACCOUNT FEES AND OTHER CHARGES 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Annual Fee – $0 

Late Payment Fee - $25 for the first occurrence and $35 for additional occurrence within the next 
six billing cycles. In no event will your late Payment Fee exceed the Minimum Payment due. 

Over the Credit Limit Fee - $25. In no event will your Over the Credit Limit Fee exceed the 
amount that your Account balance exceeds the total credit limit when the fee is assessed. 

Returned Payment Fee - $25. In no event will your Return Payment Fee exceed the Minimum 
Payment Due.  

Stop Payment Fee - $0 

Pricing Addendum 

INTEREST RATES AND FINANCE CHARGES 
Interest Rates  
The APRs on your Account are either fixed or variable rates as indicated on the Additional 
Disclosure Statement. The APR is divided by 365 and rounded to the next highest hundred 
thousandth of a percentage point to determine your Daily Periodic Rate. The Daily Periodic Rate 
is used to determine the amount of periodic Interest Charges. Variable rates are determined by 
adding a specified amount (“Spread”) to an Index (described below). 

Index for Variable Rate Accounts 

Monthly Index Information 
For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to 
the U.S. prime rate published in the Money Rates table of The Wall Street Journal that is in effect 
on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take 
effect on the first day of your billing cycle beginning in the next month.  An increase in the Prime 
Rate will increase your applicable Daily Periodic Rates which may increase the Interest Charge 
due on your Account and may increase the Minimum Payment Due. Each time any APR 
changes, we will apply it to any applicable balances.  

Specific Rates and Fees may be determined based on your creditworthiness.  

Purchase APR 
Prime plus 16.74% 

Balance Transfer APR 
Prime plus 16.74%, if available 

Cash APR 
Prime plus 17.65% 

Penalty APR 
Prime plus 26.74% 

Penalty APR: Your APRs may increase to the Penalty APR if you fail to make a minimum 
payment to us when due.  

In determining whether to apply your Penalty APR, we may consider the following factors: how 
long your Account has been open, the existence, seriousness or timing of the defaults on your 
Account or any other account you have with us; other indications of your Account usage and 
performance; information about your other relationship(s) with us or any of our related 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
companies; and information we obtain from consumer credit reports obtained from consumer 
reporting agencies. 

If your Account becomes subject to the Penalty APR, we will provide advance notice before the 
Penalty APR goes into effect. If you make the next six consecutive minimum payments once 
the Penalty APR goes into effect, your rates will return to the nonpenalty APRs applicable to your 
Account. If you do not make these six consecutive minimum payments, we may keep the Penalty 
APR on your Account indefinitely. 

Interest and Finance Charges 

Minimum Interest Charge:  A minimum Interest Charge of $1.00 will be assessed in any billing 
cycle in which a periodic Interest Charge is payable. 

Paying Interest 
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. We will begin charging interest on cash advances and balance transfers on 
the transaction date. 

Balance Transfer Fee Finance Charge: for Balance Transfer and credit card checks (if offered): 
Either $10 or 5% of the amount of each transaction, whichever is greater, unless otherwise 
disclosed in a separate offer. 

Cash Advance Fee Finance Charge: Either $10 or 5% of the amount of each transaction, 
whichever is greater. 

Foreign Transaction Fee Finance Charge:  3% of the U.S. dollar amount on transactions made 
in a foreign currency. 

ACCOUNT FEES AND OTHER CHARGES 

Annual Fee:  $0 

Late Payment Fee - $25 for the first occurrence and $35 for additional occurrence within the next 
six billing cycles. In no event will your late Payment Fee exceed the Minimum Payment due. 

Over the Credit Limit Fee - $25. In no event will your Over the Credit Limit Fee exceed the 
amount that your Account balance exceeds the total credit limit when the fee is assessed. 

Returned Payment Fee - $25. In no event will your Return Payment Fee exceed the Minimum 
Payment Due.  

Required insurance, debt cancellation or debt suspension coverage:  None 

Balance Computation Method: Average Daily Balance (including new transactions).  To 
calculate the Daily Balances, we take the beginning balance for each type of transaction every 
day, add any new transactions, any previous day’s periodic Interest Charges, any Finance 
Charges, any fees and charges, and subtract any payments and/or credits and make any 
necessary adjustments. To calculate the Average Daily Balance, we add the Daily Balances for 
each day of the billing cycle and divide the total by the number of days in the billing cycle. 

FR787095087_Discover 

Rev(12/11)