SPECIAL RULES FOR CREDIT CARD PURCHASES

If have a pr.:lbfcm ·.... ':h t'-,,! qua!I!'" or pr~erw or ~erv: ::es VOlI
';"U
d ::rcci: •.a~~ .. ira Y>:t; h.7,y(, :nco in cood faith 10
p,irchascd wi:t-.
CAROM EMBER
correct ;he prObicu'l'I wi:h the filer:."li;'f1:. you may have~the right not AGREEMENT AND DISCLOSURE
~ ~ay ,roe ren:-~inin9 amau~~ ~!J.~ Of: ttle propeny or serJlce~ .
I r.ere ofe two IlmllanOns OJ, !r,'S ngh~ .
STATEMENT
:;;; YOli must have ma:le till' p'-!rcha:;e ir; yC~ !
home s!ate or if AG25{)S iC2:U6i
::C1. within 11)0 rniies of }'.JUl" curren, mailing address .
~ L· : Th~ purchase price rn ~";,; f,:}'/f: b~e" mere thar, S5\1.

Tr.ese liniira:i(~r.$ d::1 liot apply if we (.wn or operate the
: ~l<!rr:han! . Of II we nio ,l.::d yc,u :roe aavemsemen: for the
propef,y nr ;:;c{v;c;es. HSSC Gar .:: Services In::. andl or HSBC
Card Serv ic es (fI ' Inc ;:·:"~'; :i~ p",cl:l~smg ser·.:icc~ lei I-!SSC
Ban~ Nevada, N .A
Yt1u r-~ 3V y.· (I~e to us u~ ~h~ ()ddres~ snCV:fi en \fo.ur b,Hir,g
$,<i:ell1en! ()r HSBC; San." Nela=a NA .. 1 ~ 11 TC',vn Cer.:!?r
un"f.! Las \/eU:\5 NC\';.1<i..~ B'S1 ~.1
This dorumen: ana acc~mpar.ylng AOd;ticnai DISClo~ure S:a:emen:
make liP yeur Cardmer.-.ber A9r(!~men! and throughout thIS
c!er:umen' are leferred ro as Cardmem!:e. Agreemen: '" Agreeme,,;
1r.e· Ad j; 1100&11 D!sd~sure Sla:emer;! coruaircs Imper.ani ACCOunt
:rofcmia:io.~ Irdudmg you~ Annual Pr:rcemage Ri.tes rAPR"s ) aM
i"c i!'OlUi! ~~t any fees . P!case t3J.c. ~ th~ l;rne !c· ta~,iijc.n2e yOl~rsc:H' 'Jii:h
y :.,:U! Agir:-en,en: and rf~ ~ al:-". ;t f~r flJ~ \ :rc- ret~(ence .

TABLE OF CONTENTS
1 '1(jm .; ~ t."! r.imcln
E:xt?-::tJ~i . .·c \":: t: Presl~ic:~'
"SSG 8<'1nl'; Ne','aaa N .4 A:lr~er.H~r,: !o(". T ern 1~ and Oc-ft ni : ;~rl~.
USIng YOur .A r::0IJrl:
Y:;'J: Crp.d!: !
'./:~3 :s a rl':.'J ~ !;:~ler! !1:a i;C. r~ \ih~ :; f;--.~e::;a:fDnnl anrj VI~ c: U.S J.... . P"y'nent ?
i.~:; 5 :~"Ca r-;! I!: a reSI:; a: : I)':'! f T.?H r. :1f '"ias~ f"rC(l"j '''!e ra-s: Ra~es ;;nrl F Irl an ~e Chri rge $
: : · ~ err,.a tiun~ ; . fr! :;()rp~;~;(" :J
t,c=:cun! Fees
F ~}re ; gn lransactlor.s _
ACi:o:J~~ Rene-Nn!. C j osur~ A.r:c TF.tm i ~at:':} !·t .~

Credjt Card Fraud 1('.

Per!;l.Jrta! h)fo!r.'i.~io'l
.t\odi: i cl1a ~ Ter'11:; t1
'I',"lf 8 ;1I:n.9 R i ;lh!~ 1:1

;\G25·J5 (02/06 )
AGREEMENT TO TERMS AND DEFINITIONS
:t;;s CardmcmbEr A.qreement and any amer.dments (t\gr~menti
gcvem tI1e open end line of credit we nal.'i! established 1Cf yvLt (~cur
ACCO'.Int}. "You' and 'voor" !eter to all persons ..... r.-c applied fer ;he
A(;CC,)nt or are cop;ra<:lualti liable lhrougr. an\, ·::::her mear,s . 'Y'/e:
"\''S " and · our" ref=i :0 HS8c Bank Nevada. N A. ' Card" means ar;;:
credi: cards or other access deVICes issued under this Agreemcr;(.
'Networ!( means V isa Intemational. MasterCard Intemational
!nr.orpora:ed. Discover Fin~ncial Services LLC or ')iher go>'eming
~edlt ;;:.ard nct.....,oO(. as apphcabie.
'{eu and .~'C are cOI.mc by thrs Agreemen: fw(';", 1M earlier of the
:Ime vcu receive it or fr~m :he date of :he firsl transac:icn.
Ir)eluding. without limita:ion. the placement cr posting of any
Annual Fee cr PeriOdic Membersnip Fee on yeor Account. Ycu
may ciose your Account before usin~ It WI:r.OUl paying an,
Annual Fee or Pericdic Membership .-ee i1 applicable to 'IOllr
Ace::!;;;t. wT:en you cal! us '...·i:h;;; 90 days tjf yC'ur Acccum open
date at the customer serJiee nurnber cn the back of yowr r.ar6.
USING YOUR ACCOUNT
Account Use Restrictions
You agree to use yc.ur Account olily for persc1'Iat. faffi!I·~· . hct;scr.-ck!
or charitable purpc~e:i . You agre:! I~u: ~C <..:se '~'otJr A:;';olin: ~o I:'ake
pa ·.lfr.cn~s!o us or to any of cur affilia tES. You agree IC use your
Ac:Coun! oniy fer valid .lni:l lav"ful pUC1)CSes ar.d t!1a: if youf Acc(;un:
I~ use.j for any other purposes Y0'J an~ responslb!e for suen use and
;\Iay be ft:C(uired ,0 reimburse l>S and :he Nerw'>'O rx for ali resLiI~lng
amoul1L<; and expenses
Types of Account Transactions
Yr)u c an access yowr .A.CCOl4nt using your Card :;;r by o:ner rne;ms
~pp;.~..,.ed t.: .. ~s :!,j make pur::ha~~ 5 ~r receive ca~h 2~';·ar~ :;es
We may limit :he deliar amount ar::jior ireylJency of any (:..:pe of
:rar'1~:~ ctioii \.vithout n otice fa you .
Credit Limit
·.·.ill fJd ...lse ycu of the lDtaf cred:! lienit on y:QW .c..cwunt Ali or
;.'je
a portioCl of your total crel!it iimi: is available fer cash advances.
Yuur :c:i31 cr~di\ limit and ::ash advance limi~ may :;hange from
:ime:o time. We will Clot!fy yO!!.·;}f any stich ~hanges lr.r~ugh vlJur
billing s:a:ernent or by set}C1.tn9. yCiJ a scpara:e. nG\;ce If no
separate cash _aavance hnut IS listed o~ lIour clIi!09 s~a:ement.
:ncn :hi! amcun : Of yeur creOIl liml: fiV;lllab!e for ::ash ad"'<lnces
is your :OIal c;:~-edil tir-:1:t. .
'feu ;;gree ;oat :c aUQ·.... ycur -unpaid ba:an';t: (!r;c!u:Jing Finance
Charges and other ~11arges) to !:}xceed your total credit lrm lt. "'Ie
melV 'lot e~tencJ credit if yeu have exceeded \>'our :a!al credil limi:
,?( if ;iie amount requested wo"td calise you 1.0 e~(;I?l:d ycur total
credit limit. If you exceed 'four total credit !lm.t. you agree :.0 pay
us ,hat excess ilmc::unt ImmedIately. Ycur ava:lable Cl'edll and
::as h ;~dvance amo';nt may nc! retlect YO!.lf payments fc ~ UI~ :L'
I~ 'jar's
!f you iotave a :::reJi: car;) '.vi:h a no prese-! spending :imit Ie g .
Mas:erCard' WcricCar1) . please see the ..!.d1i'ic;)al
D !sciosure S!;i :emsr.:
Credit Authorizations
Seme transact:~ns 'Hill require cur prior au!n'Jriz3tior. and ym;
may be asked. by the_merchant to provide identification. If any
pan of ~he 3utt'lC01.3t1on sys;em IS not wor1ung. we may no: be
able to authorize a transaction . e'/en if you have sufficient
avaIlable creda. We will r.ct be liable 10 vcu it any of lhase
e.....ents happen. We may refuse :0 authonie any transacticns
at cur sole:! discreuon InCluding, without ilml!alion. if '.Ve
rE;asonabty suspect that such authorization may resuit in
fraudulent or suspicious acti',ily ,:,n the Account We arc t'lct
responsible for refusai or failure to authorize an ... transaclion
or rcflisal by llny merc."Iant to accept or honor your Caret
PAYMENT
Promise to Pay
'r'au promise to pay accardlr.g :0 ~he terms cf ,t"l:> .A.greement
1m ail: {aj Credit we extend on i'our Accour.l: (01 Finance
Charge-; , I. ,te cr.arges, v·..ertj:;·~t ::harges arVJ administrn:iv(!
charges ( >: .g . fei research. retumet1 ·:heci<s , overdraft
prC!t!c:lon. ,I applicat)l&. etc .,I provided !n this Agreement: and
(C) cciie ..:ic;'1 CCS (S c:M attomeys ' fees to :ne extent perminE!!j
by appticabie I<lw.
If '1cur AccoLln: :s a ioin: Accoun: . eac!'. joint Accounthcider IS
;o:fnt!)· and indiv;dua,iy respcnsible for all amourt!s due undur
~nlS Agreement regar:J!ess 01 dea:r-.. di\'vTce . =-:I~er legal
proceedings or an)' r,'lgreemp.m !n:l! may affect iiabllt!1
between you i1 ~ !:'1 10lnt Accoun:holder r!!q~le~!s [0 0,)( be
liable fer future ~r;;;,;sa:~lcns _ ..'Ie may clQse vcur Account !f '.'It:!
do. ycu must c;ontHlue ~o Jjay according to
:hi:! terms 01 :t:is
Agreement . ;:,"': you w il! nCl be aiJ:e to make new charges ·:;n
your Account
Payment
Each statement vou receive fiom us \\,ill idtmllf'! a Minimum
Paymerot a:',{j Curren! Payment Due
Minimum Payment
The Minimum Paymen t is calcula:ed as ~ol!c ..... s:
- ( 1: It yeur Ne·,·, Balance is nN mere than S ! 5 yOlir
Mlflimum Payment IS the Nt!w Balance .
(2) it your New BalanCe is more than- $15. your Minimum
Payment is (he grea:er of: ' ' .
(a) 1% oj !he New 8aiar-,ce shown ct;! your sta-!~:11e!1t
pius th ~ !ollo'"lling- - -
• any periodic Finance Charges
.. any r.icniriy Main:cnan·.:e Fee Finance Char;;e. or
;,In amount equa l \0 ii12 af II".;;; Ar.nua! Fee _fl
apr-li:;a~ie . an ti
.. ? IW aolliriol1a! am<;ur.:..:; 'iis,::to~;::d in the :\dditicnal
D isci(;Sllfl:! Sta;,;r:1 p.nl. ~ ..
~ b) S 15
2

CLi!T~nt Payment Due
,he Current Paymen: Out? 1$ ttle greater :>i:
(t) your ~,!inimu" \ Payment ptu!S ar.y afT"O/Jnt pas! -::!.i!~. Cf
(2j the ]rea:er of: . phC)n~ number or. the ~aCK of your card.
(a) , % c.f !t-.e New B.dance s/",v.... n en ycur slaten~ent
pills the following:
, any penodic Finance Charges
, 'lny ManTtly ~alfi!enance Fee F,r.ance Charge . or
an amounl equal :0 !i12 of the Annual F=e If
applicable and
• any amoun! c .... er your credit limit. uf
{b j $15 pius any amount over you:' cred!! lunit.
Your Minimum Payment and Curren: Payment Due .... 111 be
rounded up to the neares: dollar. unl!!!>s doing SQ ','iill ::atlse :h e
re!s!..ilting 'Ialue Ie exceed the New Balan·:e
Timing and Form of Payments
You rfo\JEt pay ,It :east ihe Currenl Payment Due ;n (/froe :0 (;e
cri!dl:~d:o 'ioUr Accoun: by !he Pav;r.en! Due Dale and fallwe
~C} do 3.0 ~: :;r.s:i:u(es a default cf this :1\;1reemem. i(\S lrlls.: io~s
tor (ll ? K!i;~ payrnen:s . are en ~; our t'll!j~g 5 !a~en1~nL rt~:- ~;
. . • ' 1) b~ cred!:eo to YOlJr Accoun: 3S of ;l particular (lay.
',; ~ your paymen: by :he date and time ao'J ir. :1,;1
~ in those l:1s:ruc:iuns. If your Account is
' h ,ut, you can avoid an additional oYerlimit fee by
mediately paying at feast the Current Payment Due
.pen d<llivel).' cr your billing statement. tf yellr :"cccun: is
:jchnQu~n! . yeu can ;a'lQi::! an additional lale te~ by pa'ii'1~ at
fE:F.ls: the MH1If11Um Parmer.: phis an)' pas! due 3:110Ur'·t l;'! !h,.
PaymErH Due Date; tluwe'ier, if you cannot Paj :hls am~unt .
'tOil must pay at leas~ ~he Minimum Payment oy !h~ Payrr.en:
Due Date to a .... uld pr(.)gress ir!g :0 the nexi s:age of
de!;rqwmcy. You may pay more ;noln ~he Currer.: Pa:; ,n2r;:
Due and may pay :he entke New Balance af any lime.
All vayrnenis must be :n U .S d~lIars. £Xcep~ for (liscu:ed
payments. if you pay by mail the paymt!n~ must be ser.t :0 lhe
address spp.ofteci on yO\Jr l:iiling sta:emen: it ....cu p<l)i by
negu:iauie instnJment, such as a money order Of checK. it must
be In a form that is ac::ep:abie [0 us ann must be drawn Cifl a U.S
financial ins:i:ution A.ny check. mon.ey order or other
instnJment tendered as an accord in satISfaction . or which
includes a condition , restrictive endorsement or any
statement to the effect that acceptance of such instrument
shall constitute full Of partial satisfaction of a dIsputed or
undisputed debt (coJrectively, a "Condition") must bt' Stoot to
the address for written inqlliries shown on yoU! billing
statement You . must note conspicu.ousiy on !he face of :r.e
payment' Ins~rutnent :ha: it is :endered for this . pU!'J)Cst! . We
reser ....e the right :c refu5~ ~~, aCtep! any payment t!'tat is subject
to CI Condition. If the payment dces net :omplv with lne fore:gcin;)
"no '.'itl pmcess it. we will nol be bcund ti :he Cc~dl!!Cn By
sendina us a check tor p.,..Yln!:r.'. 0...
yaur 1~'{!C o-lmt, ~ou
7.!J lhcm.&us; to fnnlate aon el ectr',•. ic ;vncis. t:-;,!1..lf'~f from yo ur
bank or other financial ins itutior. c;cc:ount according to t he
terms of the check, ThIS means that your check Will be
o:onvert2d 10 an elec:ronic transact ion an;:! your originai :heck
.vii! n:J: ce returned :;:, ,Oll by YCur banK . Y·:-;ur Orlg ina! ::n!:!,-K
3 ·1
/i',
'-'--:7
wi !i be destroyed. Your checkir.g cr other fina ncial los:ltuticll
account may be debited th!! S3r:i~ day ;.ve r~';ei·. .·e yelJ(
check if vcu do not ......am ,-,our :hecks :0 ~e cor-veTted fa ar,
siec!ronic'runas transfer, pfease ~iljj c:ustomer ~e",icc at :hc
Application of Payments
At O 'J~ discre:ion. payments are g!'::nerall'l appiied to inceres\.
tees and then princIpal balances , We apoIY,1U,)( pa,mcnts :'J
lewer APR balances before higher APk b:llan::es. n-,e
applic3!ion of payments !s subject to change at an,! lime.
'Nr:hout no~ce .
INTEREST RATES AND FINANCE CHARGES
Interest Rates
The ,L\PRs cn '/CIJr A=coLJnt are either a fixed or ·,ariable ra!e .
,,::ariable rates are determi"e~ by ClC]d ir. ~ a, spedf:e~ ilmG~n\
( Sp:~a~n to an Index (descnbed belo~.. ;. fne APR IS d,vloed
bv ·.l65 and rovnde.:l :0 :ht! next highes! hllncJre<1 !hQ\J5ar:d:h
of '" Eercent"ge poin! :0 de !efmine ycur 03il\' Pem:j;c Rate .
i!"',.! Dail .... Pen·: )dic Rate is' IJsed to de!crmin~ the amour,! ot
P!!rio(li:: t'mance Charge (see Finance Charge~ :
Index For Variable Rate Accounts
PI.1asc see :i';c Addi!ior.al Disc'osure Std:emer.: tor 't·,;?
Ind"x p::!ragraph b~low :ha: is app;icaole to Y'J!..i; A:;COllf,!
For each billing cycle , tile Index ,s
etermaned on ~he month prior !c th!! monlh in whIch ~=
billing cycie ends . in :(\<11 PflO( mon:!). the highesl
dcn,e:;tic -Prime Rare- published 1r. the Mone" Ra!es table
of T·"~ Wafl Street JO:.iflial is selected (the "Index"). If :he
Index has char.ged. the new .. anatl!! ra:&." WI:I lake cHec:
with :I,e billir.g cycle that enos 011 0r after :t1i: first ~ay d
lhe month folro ....' ng the inoex ;:hange.
(2; Quaaer!y Inde15 The Index for :he curren: alid eacl'
subsequent quarter is the highest (lOlnestk "Prime Ra~e"
pUblished :n the Money Rmcs ~able of Tht: Wail SIreN
Journal on lt1e first business dill.' of the preceding :::a1endar
qua~tlr. If !t.e Ifl(le)( nas changed, :he new ",,,,liaule ra!t!s 'Nil;
:ake effect with the billing cycie :ha: tlegins in January, Ap;1i.
July or O~:ober following ttl!! tnde.< ,.;hange.
(3)
;\n increase ,r. !he ' Index will :ncrease 'y ellr 3pu::C<lt:lc Da,!!
Per-Odic: Rates w!1ich m~y .increds~ (he Fina!)ce Charge :.Iue
or. your A.cccunt. Each :ime ar.y .APR .change5 . we 'NUl appiy it
to any el(lstinQ, \>al;;tnoes. excluding any Promotlon.:;1 or
IntrC<Juc!cry APr-< !na: mar apply.
PfJfchiU~ .IJ.?R
For crt'di t caid pu rc i·",sC$. the Spread (f(;1 varial.i\e ~t~s i. APR
and ccm:$j.:Oflding D.,ily Pelicd,c Rc.!!:! are dlsd''}sed in ~hc
Additional DisduS\Jr!l S~<lter.i eni
.
.......,
_ . _ . .;.j... •
....:./
r- '- "' -
Cash APR
F;;), =ash advar.:t!s .r.e Spread , fer "anatie ';;:esi. ;'.PR and
:orrespcnding Daily PEiiG(j!C "Rate are dl~C~ cied in :r:e
/·.d,jit!or;ai Disciusu,e Sta:en:ent
Default APR
If yCU( Account has a Oetau:t APR provision . !I".e Default ~'\PR
and conditions !hat may cause a DE:fault APR to :aKe etfec:
as ,,"ell as ;he Spread (tnr va{lable ra:es). APR and
corresp·::mding Daily Peiiodic Ra:e are d isdcsed in :ile
?ddi:iona! Disclosure Statement.
Promotional or Introductory APR
At cur rjiscretion. we may offer you a Procno:ic)flai or
Introductory APR for any type (.if transaction. 7he Promotional
cr !nlroductcr,,· APR. ccr~espor.(jln9 Oai/~i Periodic R.3t~.
period of {llile 'or which the Prcmc:lvnal cr ~nlfi')ductory APR
a~;Jhes. and cor-onicns by ·..... hich the nromotinnai p~rk)d IHIY
be' shonened are disclosed in :he offer C~rta!r) prcmoticnal
oHers may cr ma,' no: be sublect !o Cash Ad';an(;!;> Fees. Arl,/
Promctional or Introductory ;\PR uttc:r v, 11I te s t lbiec~ to the
:e~ms of !he offer and ;hi!: Agrccnoer.:.
Finance Charges
Finance Ci~arges are the :U!al cf !tu: QreatPor d (a) Minimum
Fina0ce .CI1i3fge_ I)r (b) Penc(iic fiMiict: Cnarit:!g , and ar:x
applt,:able (C) \,.,ilS .... Ad'/ar.ce r-ee r!fi.: :mce ..... h;,fges. ( ... )
Foreign Transaction Fee F~r.ance cr.arge . ~e) Crl!(1i: Linii:
Increase Fee FinanCe Charge.", (n Mcmtw; Mamten<li\ce Fel:
Finance Charq~5 . (g) O'/erdraft Fee Finance Charges , and
it,) allY other Findnc~ Charge(sj
;:lJ(!zo:;e ~:eu \h~ Addi~:cndi Ois':IC5ure S:~,ement fer
ap~!lci.tt;iJity ar.d amount of :he following Finance Charges
(8; Minin!um Finance Charge. f. Finan·::c Charge :h~l . is
aS$(!ssed II, I!eu (;f a lesser PCfY-ldIC /- :r,ance C~arge In arlY bdl!c;g
'.:yc!e in '.\tiich a p~riodiG Fil1~nce Charge is payabiE!
i b'i Perindir: F!n3!1C0 Ch;J!'gp.s. Pen(j.;jic Flr.nnc.'O C~ 'aft"w" ,'3.(t::
ClJlr:puted by muitiplying ;:1i: Average Dai!,' 8alance lor each
ca~egcry of ~ansactior.s shO'.'Ir. on lr.e blltlr.g 3tatement (e . ~ ..
pl:rdlEtSCS. balance !fansters. c<;sh a(Nances\ by the ilP~lic..:ilcle
Od11'/ Pt!ri(.xjic Rate ana then mul!ip!'~ir;;~ :he resuft by :he number
of days in the blili:~ cycle. To caicutate \he Daily Balances, 'Ne
:<ike :he beginnmg tlet.:11 balanc-e for each catt:!gor)' of transactions
e?d1 day. add any r:ew !r;msacuons. any previous day's peri(Xjic
Finance Charges. any assessed fees and cr.argt!S. and sutnrac:
any payments andfor credlis. If a debi: transacti00 posts after the
beginrung 01 a bilhng cycle. tillt :t,e :ransac::c;n '.')':<;L;rred prior to
:/le beginning ot:hat bilJirlg cycie. :he applicable Da"y Balance will
be adjusted lr.; incJude :he transr,dI0r. amount and arw previc,:;s
d~Y's perIOdic Finance Chaf"Jes for each day tM tiansac:io11
amount was owlstanding prior :0 :he beginning of the Cllrrent
tJii;ing cycle. TI1en . for .cad'. :ransa;;~on :::ategc;ry. we add ,he
Daily Balances for the blliing ~.:yC!f~ !(x)~:her ;lM d1v1de tr.e to:al by
:he num~er at ,~als in ihc. billing cy:.:le . ThiS: is the A;Jerage Dai,y
Ba:ance tor eaCli tr3nsa '~!l on cntegOl y
(1', Qe:-jit~arQEurchases PenodlC Fi" ai;cc Charges lwg;n ~(;
accrue on ,he dar£! -:f :he transac.t:r;" al',a G'Jr.tilii.iC :0 ac(:rc:e
!jfihi payn!en~ ;r, fuH is credi:eu ro your A.::Cl..lilL HC·.'"l:ver.
,here is a Grace Per:od on new credii Cdrd D:...r::.tlase5 7!~d:
means. if :he New Brtlance shown on 'icur iast s:atemtlr.! is
p;,id in ~Jii by :he Pa'fmen: Due Date far :hat s:a l!!!"ler.: ,
perioo!c Finance Charges ....,!! nc! be :mp..')sed c r', :lew aedit
caid pL;rchasss . provided ;!',e Nt!w Balance for the cu:ren:
billing cycle IS paid in full by- the Payment Due Date for j',at
billinq cfce. lf, t;o;',-ever, the New Balance is no~ pa!d rn ft.il t:y
the Payment Due Oa~e fOf the immediate1-" preceding billing
cvcle. periodic F;nance Charges "";11 be !l'IcUrrelj er. new c edl!
card pxJrcr.ases ~ . e .. purchases arpeanr.g fe r :he Ii~l tiP'le :n
the :orrent C'idcj from the date a the !ransacticn and 0(1 ;he
prev:·::usly i;aled bU! unpaid credit card purcliases trorr. in!:!
fir'f>t <lay of the c\.!rrent C)'de.
(2) ~gsh Advaocfr (including balance transfer and C'er!lt
card cneCks) . anodic Fman·.:; c Charges beam :0 ac,:rue
on the date of the transactIon and continue !o accrue
llr',!iI paymer" in fu!1 is crt~dlled to !he Acccunt Tr.ere ,s
no Grace P~riod ;::n cash aavances
Penodi,; Finance Charges will be ·:alcutated '.Jsirlg nv~ i)a;iy
Pcnodic Rate:r. effc~t on ~e sta:t:men! doslr,g d.:;:e .
YOu rnajl request a change :0 your tI'img eyc!,) (~ate ~c ;;1cre
{han once a year. YOLl aycce that :hap:;es OasE.'d on ' tC~ir
reQues: n1ay shonen ant Grace Penco you ma l h;l-I~ !; r
increase t!',e tIme \.ierioc! ,'x wr.ich perlowc Fil'ar.ce Cna"qe~
may clccr:Je .
"Iy fee Finance Cllar:}e may -::ause the APR (;n ,he ~ : ihr.g
J.....
statement on wriich (he fee F,nance Chilrge 'irst appe3''; ':)
ey,.::eed ,tle nomina! APR.
{ci Cash Advance Fee Finance Charges. Cash 3tl'.'a,..ces
lr1cfude a!1 advances to get Ca $r-l Over !he ~.QiJ"~:r. !nrO Li~ ;' an
ATM. I,a:anr.e ir,:;;;sfers \ if a .... allai.;!e l. cr~ji \ card eh:.:.:}:; ('it
a.'ailable L !)r ott;e~ · cash,hk~· transac!Ic.:r.!; rsu:h as
purr:hasi6~ a rponey order. travelers cr.eck . cas:!1Q 'cr be ::ng
chip. or a lct!-=ry :;~!<.et.i as determmed by us . A Finar·ce Cr."rge
·... ii! '>e compu:t!d on ' h'2! amo un;::;/ eacr ct\sr, ad": ,H·,:::t? 5:5 vf m",
da~c O ~ UI~ tran~a~ ~; en.
(d) Foreign Transaction Fee Finance Charge A F '~f:!lgl1
'Transaction Fee Fir.ance Charge ,S
assessed en irai'!sac ,'Gns
made in a fureign C\Jrre"cy . '(C'Jr biiling s!atemel:( wili : , ~: tht?
:ransact:1Jns separa!ely frem !~~ FQreig~ Tra,i s')c!lor, Ft=~
Flnar.ce Cilarge.
(e) Credit Limit Increase Fe-e Finance Charges. !t YOli rCthie5;
<lo(l -'lre apprO ','ed 1m a cf~cii: limit ,.·C(t!a$~ ('CL.:";. d :.:U F ~(.;
Finane!;! Charge may be asse.ssed to your ACCOi..ii1l:
(f) Monthly Maintenance Fee FInance Charges A hr."w:e
Charge that is assessed to ttit! Accour.~ tor C<l~h bIHi;;,; .7,:de
·.vh~ne\ler that Account !s ~IGst.'t1 WI!h a debit bai;:Sf'ct:.
(g 'i Ove,c;-,lft FI!~ Ffn anr..e ChcrglH. (.-\pplicab\e or,: .' ~c
HSB C Cr ed i ~ C ,:;r ~i ~Cc(;unl~ pr(}v i dl n~ t!""~ rdra!t pro : ?~l ! o'n to
design ateci HSbC 8.:mk uS A. !\U\. aeposit ac:coun::; ; it yc;u
requested overdraft Privileges . we wili i'1nd :OW (rcq \ .'L'-!;r
ilV31!ah!e cash adv,)n:.:e cre:JI! limIt lhe i;n):}U;\! " ~E ·.l£!;J ;0
 c:;'.·~r any everdraft due !o in Sliffi ~! en l funds on the
deslgna! ed dc::;cS,[ accour,L We w i!! transfer to ~t;c ocpcsi:
account the 3IllC;Jr,t 01 !r. e overdraft rounded :0 the ne-.:: f:.iH
dellar We ·....iI! n0t ~ ' ake a transfer if you do no! have l'ufficlen:
U0USed CfCUI: 3','aHable or are delinquent hereunder. In tha:
case . :ne o -,erdra t: Nill be 5ub:ect (0 the iJstiai deposit acccunt
rules and tHes Under 11" circulnstar.ces . shall any such
o.' e(dr.~ tt be aliGwl!d ;0 ex:eed your avaIlable credit limit. You
ur.derstand ~ha~ we have ~he nght to cancel this Acc~ur,t or
ycur overdrat! ioan p rivileges at any time .
V-Ie may add an Overl1ra~ Fee Finance Charge to your Account
if your Ac~cunt is ll!i!tzed t:J cover arw overdraft on your
designated deposl~ accounL AJ1 O':ertir ,1ft 'Fee Finance Charge
w!!l be ::lJmputerl on the amount of each ovcrdi aft lransa:tior.
I'hi See Addi:ional Disclosure Statemen: f()r any adct ~!cr..-3 1
Finance Ct13:Jes T,rt: may be applicable :0 your Account.
ACCOUNT FEES
P :e;:'ise set: T,e ?,d;:ki·J[)ifl Disclosure Sta ~ enwnt for applicabili:y
.::;nd a/flO un! t:t the 1:.;i;C,'·i lng te!!s .
Annual Fee/Period i c Membership Fee
ii yOur Account is suc,ect :0 an Annual Fee or Perlvd ..:
r>.temtJershi;> Fee 'lou d~'r~ (; :c pay this fee each 'leaf (or o!r,er
eeriod::; assessrr.ent If ir.CJi::aied :)11 lhe Addi:iOl\ai Disclosure
,')~a:l!me n l) yC~jr A:::::olJl1\ is open, or clmied '""ith a talan~e .
Y''::U agree !r1 a: this fei! ',', iil be ~hd(ged to jo'clIr A-;coIJfll.
if ~'o u sio se i~u r ';:: ';~~Uf"lt ',vl:hin ~ he firs: 90 day S Y':>ur AC:CUfl!
is Cp~Ol , !~c .~r."", , ;aj Fee!Perocl;c MembershIp Fea(s) arc
refw'dable 50 Io n" 3S 't'CU ha '/e nc-t used l!ie Acc::un: . The
Annual Fee/Periodic Mr?lr:t:ership Fee .:ampp.r.sal~s HSBC
Garlk ~~c 'Ja,1a , N A. ,r, 1":11' ' :.:; Ci1f'lr.lt!~,l;er ;;e(ViCCS j)fOVI :Jr.(j
cr made available :0 'i Oli :hr')ughoul the member-:;hip year .
A L3:e ?ayrnen: Ft;.:. .,; ilss e s s~d fer eacr, billing cy~le In '/ ,hi::h
a: ieas! ale Mlnirr.t:fTj Payment , and "ny ;,rnnun: p.\:;! due, 1<;
,'1 :~! paid :n :ime !o t:e '::re~li : ed :0 !~I i! Accuunt b, me Payrner.:
Dul') Oa ~ e
Overlimit Fee
An Overlmu! Fee is a!l5:'!ssed It ~he Account balance excoeds
!r!e applicable ';f:!(j;: lin ,i! at any time :jt;ring 3 billing ~'icle. VV e
'1~Cty impose !!',is tee evei: if ·Ne aUihorize or Impr)se any .:harges
!~~ r cause yr;~~r bal~r.':;~ !c e~cec.~J !he =re ffi~ hrrtt!.
Other Fees !lind C.harges
Returned Payment Fee
A. R.eiUTIleJ Paynwn~ Fee is assessed :0 tl'e ACCQlll:t eact! ::me
d payment d ', 8Ci<, au :cmati;; payment dedu;;!ion. 0r o:her
p;)yme n: rnelhi)d ;s not hCl1cred or :!i returned un 5~tis fif~ (! 0')1
~11C lian K ;:,r c{ ri(!r ~·i ; ' ~n : i~i ll1s ntutlon ;\.n y payrne fi c i e~'J r;):!d
lJr:satl st:ed tor ar.·i {!~il50n ma y be r~posted to any ~ y pl.! ct
u ansac.~icr'\ {i
e. cash 3jv~1nce . pur.: hascs . e!c ; and F ; na~{;e
w i l l ~.m-·'"
'~"'a'~e' fa "''' r"lr.s'-tod
L..: ........ . ,.;s _ b 0,~... .)(. '0
. .,.,,,,
: . : .... ,.,g) i1 le ,,,
-'''> • ... nl ".• a'" ~,.. ......
~ _ ::;1 ·, '1
oJ
;\FR ..lellig charge £1 for tha~ ;rar.sac:tCo.
Returned Check Fee
A Retumed Chc·: j{ Fee IS assessed :0 tnE AccCJUn! eact'. !Ime
a credit C3fd check . baiance iransfer dieck (If 3vailat:!e i
electronic cr,ecl( Of ether Acc()w'1! aCCf::SS ce'"ce is ret\.lmed
LJnsa~sfjed by us for ;3ny reason.
Check By Phone Fee
A Check Sv Phone Fee IS assesseo ~'J :he Account eac h
time a payment is made by telephone , even if the
payment is ·made by someone o;her :h,~o you .
Stop Payment Fee
A Stop Payment Fee IS arldeC1 !c the cash advance tialar,ce
when a paymef'\t of a credIt card check is stopped a: " cur
request. P~ymen\ may ce Slopped .on a credit :-.arj ..::neck by
notifying us in ',-mllng Qr t ·,' :;"llIng us at the :eleot;O(i~
r~lir.;be( listed or. the Ace . : t;.i!lI1g statement, so leng as
such check has nOi a/rcd<.1·,' t.~t;n processed . ... $,0:; p3yment
Teques~ must im:iude the ::he::" ntJmt:er. payee. amollr.:. .lot.!
date of the creait c.srd check .:.n which p'3.,.mer.: is 10 be
stc-pped. If 3 stop payment is req(les!!~(j by .eiephor.e . the cali
mus: be ccnfinneo In '.liming ·.... i:t-,in 14 .:lays. t.. ·.... ritt~n stop
?aymen~ wit! remam in eH~G[ for six mcnths UI'lIt!SS renewed
:n Vlri!ing The address (0 s!!r:d a stull payment re(JUe.s; is
disc!osed i!1 the ;'ddi!l ~nal Disclosure St3.~ment .
Re search Fe~
.:.. Research Fee is dsses~w.t:0 ~ he ;'CC0~lfit fer t.!3ch S;JI~5
sl ip copy, s:a:er.:en! (,01')1 an,j ap~IIf.;;II(li'o :::oPy re·~ l.Ie= t ed .
Repfacemenc Fee
A Replacement Fee i!; ass~ssed to the AccourH it we
replace a Card that is io,;~. steien, or damaged. or if 'Nt?
i$5 l1C a repI 3C'~mf!nt Per5Crl,,' iden tli: c:" ricn ~umocr (P!N)
to faclhtate access to AU~ ~)inclte '~\ Ye;!er ~~f::I: c ~:n. es . if 3
replacement card is ~cq'..l~sted -::n a rush l;as iS '.'i t! will
~harge ow curren! fee for this ser','lce
Reinstatement Fee
A Reins:atement Fee IS assessed wl1er;ever a reqlle .. : :0
reopen Cl closed or blr)cked Accoun! i:; aporoveci .
Additional Fees
See :t-fe Addl:iunai D J 5C lc~tl: c S:arenH~nr for &Jr. i r;th cr ~~es
that may be 3~pil ': : at:ie to yeu; AC::OlJlH '
FOREIGN TRANSACTIONS
If :tOil make a !ranSaC:lcrl in a ~cre ;9r. currency, !he :ransa~ !i on
Will !:;e ccnver.ed '::'/ me Ner.... crl<. Inte a U S. doll ar amour.: In
C!. ccorda(l'.:e w i~h Its o~er<:l ~'ng. ri!911Iaticl\~ Of ~o ~wer skJn
pro cedures: in r-:~fec~ a ~ the rin1c ~!1 e ~ranS2'(;HI:; n ~~; pro cessed .
D':Jrails r:o ra;ern ing :hcse or(':'·t;~0 u res are S)'h)·,',=; 'fl ~h e
';C1d:~io"al Disclosure S:a!emen! The N~~oor\{ :nay change
!he prQr:edUiA5 . t~0 ;:1 !tfn~ ::) ~Ini e . at ,lS :Y.·..r.· (hs:;rt!!v."in
 .... - .. : .
- -., ~- :,' - :
ACCOUNT RENEWAL. CLOSURE
AND TERMINATION .
Card Renewal
Card:; are Issued 'Mth an expiratIOn da;e '....ie have the ngh~
no! to rene'll yow Card io~ any reascn
Closing Your Account
You car! dt;se your Ao:olln: t:::J ~1 ; lir.g :<;..us Your Ac:co!Jn:
balance Will cCln~iml€ Ie aCGue r-lI;ance ... harges anCl Olner
~.:-es and will rema;r, Suu,e~! :G' a\~ the terms ' and c·:Jnd.:!o~; S
of this Agieernen: . Yeli alsc agree 10 (les:~cy :fcur Card(s)
ar.c any 'Jr.used credi: ::;,rd cl)eC!(s. IIYf: \VIii nO! hOc;01 any
credl: card check WrHren en yoW Account 01 autnOllze any
:ransac';c()!'; a~er your A:::;':JU"l~ !,. close:! rhi': (j·jdre5s tG
send vc~~r requ~s: to cit' se ~'GU~ AGcuIJ~ ; l!i Ols::losed If) the
J..ddl;iOnal D,sdoswe S!a!ern~ri!
Account Closure
':.;e mal' close }':l;,;r Acc:o~JP: . susrenct ~"nllr credit p' i·lil eaes .
(j i redi..;ce vou: !':Ted~t hi"H:t C":t any : ij11€ anlJ for any r?as :;r l.
suuiect te· (he req ..,iremp.nts o! :ipplr:;abie /<\W . ir, an)' ,;"f 11'. p.sc
p.vJ.!·n~~ . lour Account Di!t~ariC~l ·W lt l ::':·r,tinue ro .. ClC:C~ ' Je
F!n2tflCe L:harQes a~": 1::C's un:,! pat i·~ lrt fw l;, dr; ,~ v..'ill rema,n
5 '.Jh i cc ~ ~:J all !le !errns z,,""j :j r..(H'):j :: ;O~)~ 'J1 rhis A.;;:-e£':r:::e :-l~, I!
~/.'t.' ~iC5e YC. :lf .A.C(;:-;'~.:f~.~ . ~: (; u ;:gr{:-t: ~c r..:.p.~~ r o~: y'I-;~ ur L.a T ~ :' s -
;;~~d cp -'; unused ere OJ! card :;heck~ . IT yr:f ~ H' A'::CDun~ nas
Dee r, : 10:<;&.1. (;: yO : i ' Oed:: pr; ~'i!I;.J~s arr: s,;spende-d , yeLl
:r. (ly n (i ; U $C ·y(.'.u r (: ~J 0 or c~~~ ; t Cf..r= r..rH~·:-;':. ~
Defaul't
'( ou wi; i be i~. [1~fa~l!i t.nder .his ,c, grep.n!e~: i! . (rl ~ y::;u fa i: :~
~,ake a: ;~a5! til? Current Payrnen: QlIe :n tl~le (c r>e credilf:<,
to vow Acr.cur,t t,', the fJav"..,~r.t Due D'H~ . fbi ym; \'I'jla:~
,m); other p r~v: sicn at thiS ·.';g(fler:1€m~ : L~ ,; you die: ((1) y UiJ
oe(;cfTle SlIbi f>c! 10 tJClnkruptcy or ir. ~o!\'cnc·i' pro·: :ceJmgs: I.e !
', :)u sll~ply US With rni~teadir.g fal;:e. incompletE: or !n::O:TeCi
[r.brmallcn ; (1 ) wa rEceivE! ;nfcr:;;?tir:.r. iro~ third ;':<Jr:,e~ .
:~c;hlcl:n:i credit iE:por.ing agenciE:s ",·.:;-.•cr1 n:'!'Gi:e ;. senel.IS
,1eil'lquen:;y or charge-ctf Wilh 0ihe! cr,1:iitr.;rs ; (9 ) yOU tal! !c
n:Gvide u!; a physlca! ~cic1rl:ss ; (nl YOll exceea >:OlJ ~ credit
!Hrut: {h ".'Ol!! ~ayrrlCi1t is rE~urr,cd ,insa~i~f: c:d by ):~)~r t::'~:'l~ or
:::r.er 'fir,anc:.,i institution for any r~osor. . or G) any c:redi, card
-:r.eck is rc!wned unpaid b,' us. Upon defdul:, Ne have the
n~h~ tc· d0se ycur Account . 1<":' terminate Cf s.lsper,d your
::r!<di: p~ ; .... iieges under :tlls.Agreement . to cnange the ,!erms
c; your f ... cCCUf!: and thiS .... g.:(;cr.-;~m . 10 requlrf: yOl! !O P~l
your £intire Account balane~ ;nc!uUlng all accrued bur unpa,d
~"<lrgp.s ;nllned!3te!y. and lo SuI;: you k'.wha: yell o'.... e. it you
,i:J net po\.' :Js. )lour A;:collnt i;aiane~ Wil! ::cntintJe ~c accn ~ c
Finan::c Ch<1rQes and fees until paid In full ar,j Wilt remaH'
su~i ec~ ~o aii tne- fer-rns (And cor1d~ tions of th is Ag r eemen! If
YiP ~;lIe \' C\I o. if we hirE a !~l ird p arty 10 ,:;o l!ec.l you r i:'.c cour. ~
t·aidnC G: ve l; win pay c u r ~:O !J:1' CC$~S , ~ e-cl::; on?ib ~ ~ : cH~ r;rr} e :-ls
h"!c::: ~ :·v. .~ ·o!r;e r ccHectscn ccs ~~ reia ~ ea tf: tiiC? c e , a~i.t ~ !c tne
eX~en! perm i t~ed by Ja\\;' ~lt the s~a~e In ~Nhtr:h yo&.: re~:da (i;I ·j
'.ve v."iU apply YOi..!r p~yn)en:s fI~£: to ~:t ·:-:r:~eys f~es ana o!he:'
r:~; s ! :, r,:1a Then t:) pnnCtpai and U!1P3;j Fw,ar~::e Cnnrges
Security interest
If you r,a'v'e no! ccmple:ed ;. Security Agreemen! fm your
;,cc-'lunt, we are extending yo\.: an unsecured line oj ceedi! .
If YOll have compie:ed an application and Sec.urity Agreemem
tor a secured account. troe rerms and CCnC1l!ions con:alne1
w~:hln this paragraph apply.t0 vour Accoun.! A.s .S ecuri;y for
,CUi performance under It-.!S Agreement, mcbdlng but no:
IIrn:ted tc the repa·'men! of all ~redil extended under Ihis
Account ai.d any re pfaceme'1t secured credit c~rd ac-...our.:. you
assign, p:cdge. ana 9ran! l~ LIS a firsl priemr securi:y ir:lerest
in aIr rnona" nc·..., .. nc hereaner In the deposit acccur., WI~r-, n-,e
bank disdoscd in me • Additional Disclosure S:alemen~·'. You
:.;whorizf' us te res:ric:\ v:ithdrawalz trom your DepOSit Acr.ow-"
until such tJ:ne a5 this Ac;:oun! is clcs~d and all VJur
mdcbrec1ness is tU;iY saBsfied or untii :I;IS A."CI)\.lnt is uthcr';"ise
modifieJ b;' liS . If YOIl e)l'ceer! your c:redit Jit!:it ,0r,othc!'....iSp.
?efaui! Ui'lde~ the Icrms of youf Agreement , or iT [hiS ....9reen1efi:
IS cancellEd oy yell or us for any reasor. . WF. maio a~ any :,mf:
thercaner and without ad'lanc.c nU:ICE [0 ~Qu. a!Jpl:r' ali or po~
of yaur Depc~i: Acco.mt to the oavmer;! and Sa!l~farltc:' of any
ar.d ai! am.:JilOt£ owed tlndel thl£ ACCO\.1f1: and any repiaGemen~
secured cred;: cwd aceD>!,,: . In addillor.. we may USc &ny otr.er
remedies p~rrliHlCct or o!r,erw ise avaHabie :0 liS . Ii the am01mt
ir~· } CJtir DeDD~ j ~ .A.ccou:s: !~~ nct S~jff; ~~l erl ! ~G tfH,re aH cbF ·;c=:t~io:~s
inc-urrea re i at!::j to VOLli A ·:'COlJ;-,i y'J. ~ j aQree tc pay tfte a:Tc,\..:rr~
o'Ned \e us Im'n~dii3 : ely. -
CREDIT CARD FRAUD
Lost or Stoler. Credit Card or Account Checks
YOtl agrt:.~e to nC!fty us 'mrnealat~ly .f )'ul:f credit c.ti:-a elf'
.:::e:::iit c&rd c~ecks. are ;0S : or s!olP.f) . ',' OlJ IT'~av fio~~f" \..~ s t; ·,!, "
calling U~ a~ ,r~£: ~rJone !'"lurr.:e t dr:~·: ~ :)~p.c Ui it·,c A,:.11n,c,nc1i
Dlsc!osure S:a~~men: ,
Liability for Unauthorized Use
You should retain ccpies ci ali cl1arg~ Siips Ijn~ii yot.! rece;ve your
$~a:emer.:. at whicr: :JI'TY.! you srl:lu!:j verily :hnl the ct;ar~t'es "Ire
irue and tne: amoU:":ts i.mal;ercd You !1 1;}/ b~ hnb!e c r trl€
unau:ijorized use c~ .......J ~ H· c.rcdi~ ca!Q YCu v..riii no~ be Hat;~e !cr
u'1:lu!twrized US!? tt:ar occurs a!\er vou nc:ifv us of the 105S. :he~
cr possibi!: uilCluth-::Jtizec usc No:ilic;lUGn r.l;,JS: bE given eir,'1er
ty . writing us immedialely upcn leami;')g of the i:)~s . the!'. or
pOSSible unall!horized use or calling us a: the tell"pr.one number
liS:~d on your bililT'lg sta;emen:. 1"(;11 wHl n(it be liable for C\~~.
unauthorized use ct ..cur credl: card Accour.: ""/hcr, vou rrotif,! us
immedmtely- by phon'e cr in writing fn any cas.:, ycl.r lIatihty for
\J!lau!h'Jriz'c:d US!; of your credi: Cdrd v,;i! nol exceed $0 · The
ad:jress !~; r,o.if,. ~IS of unauihorized l.'Se of your ciedi: c(.~,j is
disdcsed in the Ad:1ltionar DI5o:Iosure S:a:ern~n<. You 1'10)' aisc
cal! lIS a: r~\e telephone n"lmber listed on j:Jur bitiing s:atemem
Change ot Name . Address. Telephone Number
or Employment
You agree to give us pl omp: !'\G;;CE of a')}, :i-,c.!-'';E: 11\ YQU; n::;m"
a'dr~~. $ :c!epr.cn!! number ~r ~~t ;tCF. Of E;-n~f0 ::rr.~n~
!1",:a.:ting
 Updated Financial and Other Information i :t~~ntlOnal or other.-lise : consollltion; Sta:U!c : common law ~ or
Up.:r. r",ques: '>'n;; agree :0 promptly g ive us .. ;:c,;ra:e equity and whe:her pre-exising , ptesel~! or f,,:ure ). incliJding
f'0ancia! ilr.d o~he r :r:1o~ma~lcr. abcit ~·"u(sert . irutia! claims . O'.)un!er-claims. cross-Claims ann third party daims
a.'. isi~,g tram 0; rela!in.9 tc:: this Agreer:ne.n: or tt.e rE latio!,!ships
wr~cr. resu~ frem thiS Agreemcn: . IllCludlng the vaharry or
Credit Reporting cnforc:eatilii y of this at1)ltra:lOn dause. any par: thereot or !.hc
If you fall :0 iulfill th(: terms of your aecit obligatiC;\ i\. negative en:ire Agrecmen: (",Clairrq. shall bE resctv'ed, upon the electlvr,
report refleCting en your credl: record ma ... be SuOmiiteO l(.) a 01 you or lJS . CV oinding arbitration pursvan~ t(; this arbitratiun
credit repOI1I1~ agency 11 any specif\c. infrx:Th..rion retal!'!:: !() ~ovi!;~::n ar~ the applicable rules or procedures ot rroe arbi:raiion
your Accoun: transa~tlon~ or crer.lii !!xpenenca With uS IS admlnis,ratc{ selected at the time the Claim IS filed. The party
maC~LJra:e . you ma '. nO:I!y lI5 to correel the inaccurate ir,itiating the arbitration procl.'ect.ng !lh~n tlave :he righ! Ie s~lec:
information Caner Cor\ftrma~I01"1 cf me an!!g£-d error"i report~d to cr.e of ~ foliOWI~ three arbitralJo:i aoamrnlstra:c;;;: me Natlona!
ar,: r.r~d;! re60nino a<]ency cf Wri:li,g to us a: PO. Bey. 987()6 . Arbl:ra:.cn Ferum (NAF-). the An~rv.:ar. Arbitration Associafior.
Las Vegas . NV 89~93 ('"A.A.A") or JA"AS. The amlfrate; shi1l! be a .lawyer wi~ mere than
ten yeors expenence or a te~red or former Judge We agree no: iO
Certain Privacy Pr;~ctices IIwoke ~llr light to arbitrate a~ jndi'.idu8t C~aim you may bring In
small Claims CC\J("! Of ar, eqUl·... a!e,,[ ::our. II any. SO 10l)g as the
YOI~ agree ! h;:, t from ~ifi;f! :0 lime V.'1< n,ay rece ive Cfe~jil Claim t!' pending onl}' in !ha: CC;;;' The fules and fcfms of the
i(jtorma~lvn com;err.ing yc;u frem o:hcrs . such as SiiJres. cmer NAF. AAP, and JAMS rna',' be obtabed Cy Wi1llng to :hcse
le; :de's. a;-, ~ ~redlt repo:'"Jrig agencies. and that we: may u~e this organizations a: me addreises listed below. Our address for
w,f::rrna!:o<". !t ; amen~ . c<lnce! Oi suspeno your aedll prrlllleges S€:-v:(:e cf 'pro:eSS ~r.\:ler ~his pro'li~~r. is HS§C Card Sc ....ice~
I ir.der lhis J.,gr~emcn ! even II you are nOl in dctau!l with us 'i'C.l~1 In-:. PO 801' 9B74u. Las \fe;Ji!s. r-,; 'i 89193-8/4(1
""gree !na: ! ~-':' D tllJarm'.cn: ct t.ioicr Ven!::les may reIC<J5!: your
res ; d.1:"C~ a~dre~.!: :0 uS. should. I~ become nece-ssar:' tei::l c a~e ::'.ny pa~icipalory arbitration hearing tha! you :>iterte will ;u)\!: plau
y.::~~ 'r ~ tJ pnr~'!E ~rj r.1! ~'__ ;Jr ~ t !per"I S() r)' persc:"".r.el n)a t' }(st~n ar~d 11", :hf! art nearesi rc your reside.~l,:e \\nert~ a feder'l l dis:ric: ':Our.
te': '~i/.! tc~ : ~i.= ~·I (;nf:- Gd ;! ~';, De :''':e en yc u and Ot;!"" represc r:tZlt1\':££ !n I~ loc.;;!cd or a! sucn other Ioca~lcn ;;~ ~eid b l' ~.c p~~ies Or.
:~T(je r tc e·.. ' o j J~:e ~hf: q\j<+h!~ of cur sC:f\,'icc ~(; :,'ou anj to ott-,er a~ly Claim yell f;le, ~'ou \..,Ii pay me firs: $~J of the ftlir,g fee !-.! you:
C;?I:l!rr,ernbe·s t=.:.!' ;'i!jd! ~i or::l l infOi!na!i c~n regardi:'l{j C'\It' p!' r·,:;:; ~~ ~· r~~ues..: .:,€ wili p;:;v trle remainder of the fiiing fee un~! an',
p t;;c~! ;.: es . plli3St; refC':[ rc v '. li P:l. . . a:::y St.~~emen L adii'l!n!s:r~: .... e Oi nearing ;ces -:h&: gE:O b~· the aJbftratlor,
a ·j~i 1ni slr;:l!Cir O!) a:w CJairn subrniU !~d by YOli in aroi:ra!ion up 10 a
!":·,nXi;T"!um.d S i .500. If )'OW are rcquir~.j lC p~y any addi:lon,,! fees
ADDITIONAL TERMS Ie !tie a,.boa~o"'" aamtni$ira:cl . we 1M:! cunsider;; reques: b~' ycu
;c: P:3, ;:\1: c;r par. of it1e additionai fees: however, WI; shali no: b!!
Chang'.! of Terms (Including Finance Charges) olJligatec to pay any OOOi!lonal fees unles!; the arbitrator (~ran:5
yOU 3:: award If the artli:raior 9r?~,;s an award j,", your favOr . We
WE MAY CHANGE OR TERMINATE ALL OR ANY PART OF WIll re;mburS€ you fOf any a-:kh:;c;,nal tees paid or eWe<} by "co :0
THIS AGREEMENT OR ADO NEW TERMS AT ANY TIME. ;!"l1! artrlrah::Jn adminis:ra:or up iC the arnoum cf the fee's lha:
IN.GLUDIJ'.IG WIHiOUT LIMITATION AD DING OR 'saula r.a,' e t eer. chargEd if the orig:nal Claim had bee" for the
IP.~ CRE ASiI\\ G FEES . INCREASING YOUR PERIOLHC d rnOUn ! d the ac:ual award i!1 your fa·/cr . Tr-,e paities shall bear
PAYMENT. INCREASING THE RATE OR AMOUNT Of me expc(j~e of their respeC~ ! 'i e anorney's fel:!s , excep! as
FINANCE "cHARGES. OR CHANGING THE METHOD OF c!h(:'v.1~e pro,.ided by la·",. If a s tal!J~p' gives you the ~ghl :0
COMPUTING THE BALANCE UPON WHICH FINANCE rC~C'ie, an.,. cf these fees . or the fees pa.d to t.'1e artli~ra:ion
CHARGES ARE ASSESSED . AMONG OTHER THINGS~ WE adminis tr atm, these sta:utmy nQt-.:s shall applv in m~ a rb iira !k~il
MAY INCREASE YOUR APR, FEES, AND TOT AL COS I OF notv,i:hstandiilg anY1hing tc lhc- con:ri:rf)' con:atned !·Ien::ln. if the
CREDIT BASED ON A CHANGE IN YOUR CREDIT HISTORY. arb:trawr ISsues an al-.;a:d in our favor. you will C1'), b~ required :(:
AN INCREASE IN YOUR CRi:OIT OBLIGATIONS . OR AN rr:, .... burse w; f0r <sny fecs we havE p~eviously paid to the
INCRE~SE IN THE USE OF YOUR CREOIT LINES WITH US artilraticn a:jminislra:Oi or for ....tw:t", W£ an! res pons!!;:.:;
OR A~OTHER CREOITOR. WRITTEN NOTICE WILL BE
PROVIUED 10 YOU WHEN REQUIRED BY APPLICABLE H.is <Irt;;tration aweern~n : IS made pursuant te a tranS3ctic~
LAW. UNLESS OTHERWISE STATED, CHANGES APPLY TO 1[;'/ci>:il'oQ Ir,terSI<i:e commerce . and shai' be gO'Jer'"lcc bv H',e
BOTH NEW AND OUTSTANDING BALANCES, F e·jera l - Arbitration Act C} U .s.C Sec::o!:s 1 ' 16 {the .. Fr.A .. ·
The a(!; i~ratcr shali apph' apph::abl~ s\Jbsla~tjve la/.. ccnsisier;:
Arbitration ·...-i:t-. the FAA an::! provide writteP reasoned finiiirrgs of fact and
Please see the Additio r. ai Di:;clo~..,re ;:·:a!t>rm:r,: t ·:)! evnc!\J5Ions of la .... The arbitrator's a·.... ard shaH net bl:! subiec!
tn Cspp~<!1 HCep! as p!:rrni::ed by !t',e FAA. The parncs. aqree
aIJPhcata!f: ~. to y (;ll~ .A.c~our;:
\i'; CI: U"I~ award shai! teokept ccnhd!::ntia! . judg~en( v p ·~r.~ (he
a '.~· Grd r,);)Y jj ~ er.:e:reil In any CCiU :: r.u . . lng luri;;d ::iIOr. .
7hls ar t;I:~ a:;o n pro .... :sion sh":i appiV to an\' Clc;;m a-Ja in~: us
Llitrj :0 eac;ro: of O'J i pari!n:s . subs;d;ancs , aHii~a ~ e~ any:-...c;nna:"!y
THE PARTIES ACKNOWLEDGE THAT THEY HAVE A
~r:,:-,,'iri in·g :i ( ~v·;ards fea:dre Ir: ~Jn'uncticp . ....,ia~ ~h i 5 .~areer:lr~ nt ,
RIGHT TO LITIGATE CLAIMS THROUGH A COUR T
predecessors. SlIC~eS$ors . and assigns . and each of the ir BEFORE A JUDGe OR JURY. BUT WilL NOT HAVE THAT
cffi::er!" . jiieC!ors. aqer.:s . af':;: empioy·ees . You agree <my Cla 'm RIGHT IF EITHER PARiY ELECTS ARBITRATION THE
,-h~DU:f; ~~ ::(')r l!r~v~:-s'~ C,,'.,tll.!tr.er C8sec upon r:x.i~)~fd G! · !or!
., ,. i2
 ,
,A ~--

', ~ .. J
__ _
.I'"!""'"'
!

PARTIES HEREBY KNOWINGLY AND VOLUNTARILY NOTIFY US IN CASE OF ERRORS OR QUESTIONS

WAIVE THEIR RIGHTS TO UTICA iE SUCH CLAIMS IN A ABOUT YOUR BILL
COURT BEFORE A JUDGE OR JURY UPON ELECTION OF
ARBITRATION 8Y EIiHER PARTY. If. yot! thi!'lK your bill is wron~t or if Y0ti need mere informa tion
aoout a transaction on your bill . ',MIte to us ( cn a Stlcarate shes: ;
You mar ::;onta-:t
the arbi:ra!ior. r:;les ot, or file a Claim
ob~ali"' a ~ the addre!';s listed or; yeu ; c!H:ng statement Writ!: us 3!; S :};,)I~
,~-ti! h NAF-, AM or JAMS as foliuw!:' : . as possible . We ITilJS\ hear from you nr; la~e! than 60 days ane;
Nationa! Arb,!ratior, Forum ,IAl\\S we sen t VCh) the tirs: bill er. ·.·.'hiGh the: e~Tcr o r problem appeared
p.e Bo7. 50191 4~ 6rwd'way Y·cu can"teiupncne U:i : but acing SCi \ .... ill nc~ p!"c~;erve ycu; righ~~
Minneapulis. MN 554[)5 New Ycr\.; . NY 1Q005
'I-N/IN arb-forum .crg 'INNJ jamsarir .com Please include the following infcrma!io", in YOiJr te!!er'
Cn~lc oi Procedure Flrianciai Services • Yelll name, accoun( numtier and signa!ufe;
Arb:!ra~an Rules
an·:i Pro:;edure5 • The (Iollar amour.: ot the suspec:ed elTGr, and
• Descr!be tn€ error and F.)(plair; . tl ycu car" wh~' y~\J belie ·.'e
America!", .Mbitratlcr. A!:'scc; a;i~t: !t"le~e :5 a~ Crier
1 ISO Conr;e!:li::.u~ Ave N'/J 6:h ficor
Washington . DC 2;)036 ..11£)4 ;f you need m(; re rn1crrna!lon . descrtbe the hem yOu are n(::
V:W'N .actr.era St,re about. If you hav.: authCri7.ed us :0 pav your iV;ccur,' r., ::
Arb:;ration Kuies for Consumer .H;tomacicaH ;: from your savings or r.!'.~ckl~g ac·: ;ount 'tr0il ca-.
D : ~pureS l,~iaim~ unj[:: S 1?,OG':" } stop the pay'ment en ani "1l\·' Jur,: you th;nl< l~ wr,;r,g . ,0 S ;C::
COmrTH!!'Clai Art ,~rat!0:i RU :t!~ the payment . yeur Ict:er must reach us thrN! b\Jsll')f.'s~ :Ja}'~
:ai! o:t.er cfairns j. before the autcmiitlc payment IS scheauled to CCCll' .

Assignment of Account
'/'ie may seJ:. aS~igr: c r t:"iiGsfer y·:):tJr Ag ~ eer\1t!n: and ,t\<.;cou"!!
YOUR RIGHTS AND OUR RESPONSIBILITIES
{.:~ any portion ;he:-ec f "vJ~hG:.J; n0.~h:t! !(. lOU . YCJ nl3y nC!~ se:, . AFTER WE RECEIVE YOUR WRtTIEN NOTICE:
ass~gn or uarlsfer yOu:" AC\.~GUr'i!
VIe iT"1~st ack.no\.vfC!dgc vou r !er!~! ",:Hhin 30 d(\\· ~ . untes= ~.~,:.:
Waivt;r t,:ove corre::!ed ~ne error ~)' ~he:. V,./t!~li:: 9:1 ctay5 ~~,e mU$~ c ::::€'~
~r";erna)! ctK,r.:S€ to delay enfcr:;ing (;r ·... a;\·e a ! ~ '. ~f our righ:s cCft"ecl th e e rfC;! c·r eApla;i: wr'l \\' e beH~ ·\· e the b:u ·.'".: r.ss -:crre;,:
under tnis ,t.9reernP'f\~ In cer:atn s ;~u a ~;c ns . \lie can de!ay
enforcing or ~·I1' a~\.. e Csn~ CJ! t,;ur r~grl! s ":I~hou! afh·)r:;ttng C'.Jf other .t-.!ter 'J.:e r~cei ·,e your iet~er Vie can:1C! try :c cclif:C! a ny a.1lCt.J:"'::
rights if we wai'le .? nghi. v;~ GO :1\;: lh;w!u> .,".'~ive the sam!? vou quest:on. or iepc r : W;u as d~ l; rlq"~nt \".. " Cd" ·:{m:!r,iJe I'.: bi,\
righr in c :her s iLiatj CnS vou f·~r ~he an1;JUnt yeu qdes~:an ir,::klding Finan·:;c C~la:ge:: a ;;:l
5 everabillW we can apply any IJf,paid a:nO;ir.1 agains: ycc:r Cretji~ Limi, Ye·,:
d ,:) net r.ave :0 pay any quesiio01t:d £Imount w~:it; '.'w' ~ <:Jr:·
l! an~' rr,:;;;;SIGn O! :t-,t~·. AgrE~mer~: I~ fina:!, dEnerm!ned to cr' YCij irvE's!igating , b,H yau ;ore S! I:: ot;I'gatec.1 to pay the parts uf ]'0t::
or um: n!.:.'rceablc under a,,;.· ;a"";. rule 0, fC.'~u!a:ic .. , al: Ofr,er b iB tha: are rY.)t ii' question .
pro·.. isior.s .J ! tr,IS ,A.gre~men: wiii remat" valaj and enfmceabh~
If we find :ha:'w~ made a TT'li <;~ C!i(E' vI') y()!..;[ bll: . y:'lu w,lI I'it.'! hClVt;
Applicable Law ;0 ~ a·'" an .. ~H'1a'l(;e Charges rilla;ed :0 an" ques;icned flr.:::un :.
TI1:!:o Amcemer.: and yo,;, A.:cr;lIn ~ \'::li t',!? povcrned by fp.d~ra l If we' dian'; mske a ;nistake. yOI.J may f.a'.'e to pay F ;na:;c,~
I<w, <mu lhe in .....~ of thEe s(,,:!! of Nevac1a. ·...·he,tl er or nor YOll tivP. Charges , and you Will i lave rr) make IJP any nllssec i:a yrneilts cr,
in Nevada and '-\ihe~'er Of rtQt j~:;L:r .A.CCOtlr'i ~ i:; used outside th'~ ques:ior,ed am"ur\l . Ir. eittlf.:f ct:tse . vve wiii send V;,I; 'I
t~e.va.ds . TtHS Ag!"eeme~·! ~ is cn~ere1 infC in Nevada 3C\\.! ar~ cr~H',t statement of the ~\n·lC.Hln~ you (y.... e and t:~e nate ir i~. d ~; € .
under :hts ; ...greerr;~il~ VI :~! be exl ende(j frc-en Np.v3d3
H you filii 10 pay the arnO:.H.1;'"")t '.rV~ tn~n"- y~tJ C·, Ne . \ve niay n~P"'.J !~ y~u
YOUR BILLING RIGHTS as delinq·. ien:. Hc\..,e'{~r , if our expianatior, dces no: sallsfy yo\;
",,,,1, you wnW i~ ~IS w.lir.ln ten day;, :elhrog us YOll s:11I n:tusr tt; pa~
\ve ' ;~1US: ~c H any-one \ve rEPort yO~i r.: tha: you ha·.!~ a que~t ~::;I '
abOut your bi:1 .A.nd. we mlls~ teli ycu 1111:: n"me of ar.ycnfl ','/(,
What To Do If There's An Error In Your Bill reponed you tc i..ipc;n ser: i emen~ of :h= di$p u~r, ...... e mus'. IE:i'
. vr R ·r gl. .4 m-c
c 'Jt:r::one \~e repor: yt),l ~CJ tria; U-le ma l~e' has berr: se!:iec

YOUR SILtiNG RIGHTS - KEEP THIS NOTICE FOR don'~ fell·:)..,.: H·les~ rtJI(;s. 'li e can·L ::'~t1 ec: ~hc flrs: $5;) c/ :!-: ~~
If Vie
qiJEstioned arncu nt ~ ...:cr. !f '!·our biii 'NaS ·::orie~~~
FUTURE USE
.. _--_•._------------
Triis n~}~!ct· contain s :mpcr"!an: lr.fo;r.-la~H.:.rl at)f.... u~ YOU' !'"ight!' and
·J~;r re~ronslbiji: ; e ~ tp)an r :}:€ Fal: C i :t;r! :: 8 ii!rn·; ;\c.:

-.' .-j"~...
.,--,'