I f you have au tho rized us to pay your Acco u nt b il l au t o m at i cal l y f r o m your

savings or checking account, you can stop the paym ent on any amount you
think is wrong. To stop the paym ent, your letter m ust reach us three business
days before the autom atic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE
RECEIVE YOUR WRITTEN NOTICE
We m ust acknowledge your letter within 30 days, unless we have corrected
the error by then. Within 90 days, we must either correct the error or expl ain
why we b el ieve the bill was correct.
Af ter we receive your letter, we cannot try to collect any amount you question,
or report you as delinquent. We can continue to bill you for the amount you
question, including Finance Charges, and we can apply any unpaid am o u nt
against y o u r Credit Lim it. You do not have to pay any qu es tio ned am o u nt
whil e we are inves tigating, b ut you are still obligated to pay the parts of y o u r
b i l l t hat are no t in question.
If we find that we made a mistake on your bill, you will not have to pay any
Fi nance Char ges rel ated t o any q u e s t i o n e d a m o u n t . I f we d i d n ' t m a ke a
m istake, you m ay have to pay Finance Charges, and you wi l l have to m ake up
any missed payments on the questioned amount. In either case, we wil l send
you a statement of the amount you owe and the date it is due.
I f y o u f a i l to p ay the a m o u n t we t h i n k y o u o we, we m ay report y o u as
del inquent. However, if our exp l anatio n does not s at i s f y y o u . and you write to
us within ten days telling us you still refuse to pay, we must tell anyone we
report you to that you have a question ab out your b ill. And, we must tell you
the name of anyone we reported you to. Upon settlement of the dispute, we
m u s t tel l every o ne we report you to that the m atter has b een settled.
If we d o n ' t f o l l o w thes e ru l es , we c a n' t collect the f i r s t $50 of the questioned
am ount, even if your b il l was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES
If you have a prob lem with the qu al ity of property or services you p u rchas ed
wi t h a credit card, and you have tried in good f aith to correct the problem with
the merchant, you may have the right not to pay the remaining am ount due on
the property or services. There are two limitations on this right:
( a) You m u s t have m ade the purchase in y o u r hom e s tate or if not, wi t h i n 100
miles of your current mailing address.
(b ) The p u r chas e price m u s t ha ve b een m ore t han $50.
These limitations do not apply if we own or operate the merchant, or if we
mailed you the advertisement for the property or services.
HSBC Card Ser vi ces I nc. a n d / o r HSBC Card Services (II) I nc. provide
processing services for HSBC Bank Nevada, N.A.
You m ay write to us at:
HSBC Bank Nevada, N.A.
1111 Town Center Drive
Las Vegas, Nevada 89134
Website Address: www.hsbccreditcard.com
Thomas M. Kim b l e
Executive Vice President
J u l y 1,2005
MasterCard is a regis tered m ark of MasterCard I nternatio nal , Incorporated.
Visa is a registered m ark of Visa International and Visa U.S.A.
2005 HSBC Bank Nevada, N.A.
AG2406 (7/05)
CARDMEMBER AGREEMENT
AND DISCLOSURE STATEMENT
AG2406 (7/05)
NOTICE OF CHANGE IN TERMS
This is your new, revised Cardmember Agreement and Disclosure Statement.
("Agreement") which is effective October 1,2005 unless otherwise noted. The
changes highlighted in blue herein are effective as noted below. Please carefully
review your newAgreement and the enclosed document entitJed "Important
Information Regarding Your Account" for all the newterms on your Account.
These changes apply to any newtransactions and existing balances on your
Account. Until the effective dates noted for the changes, your current Agreement
remains in force for the highlighted sections.
Pl eas e Keep This With Y o u r I m portant Papers
AGREEMENT TO TERMS AND DEFINITIONS
This Cardm em b er Agreem ent and Discl osure St at em ent , the encl o s ed
do cu m ent entitled "Important Information Regarding Your Account," and any
am endm ents to them are col l ectivel y the "Agreement" that governs the open
end l ine o f credit we ha ve es tab l is hed f o r y o u (your Acco u nt) . "Yo u " and
"your" ref er to all persons who applied for the Account. "HSBC Bank,"
"we," "us," and "our" refer to HSBC Bank Nevada, N.A. "Card" means any
credit cards issued u nder this Agreement. You and we are b ound b y this
Agreem ent f ro m the earl ier of the time you receive it or from the date of the
f irs t trans actio n, incl u ding, wi t ho u t l im itatio n, the p l acem ent or p o s ting of any
An n u a l Fee o n y o u r Acco u nt . Yo u m ay cancel your Acco u nt b efore u s ing it
without paying any Annual Fee if you call us within 90 days of your Account
open date, at the customer service numb er on the back of your card.
Yo u agree to u s e y o u r Acco u nt o nl y f o r p ers o nal , f a m i l y , ho u s eho l d, o r
charitab le purposes. You agree not to use your Account to make payments to
us or to any of our affiliates. You agree to onl y use your Account for valid
and l awf u l purchases and that if your Account is used for any other purposes
you are responsib l e f or s u ch use and m ay b e required to reim b u rs e us and
either M as t erCard I nt ernat i o nal I nco rp o rated o r Vi s a I n t e r n a t i o n a l f o r al l
res u l ting am o u nts and expenses.
PROMISE TO PAY
You promise to pay according to the term s of this Agreem ent for all: (a) credit
we extend to you or to anyone you au tho rize to use your Acco u nt: ( b ) Fi nance
Charges, late charges, overlimit charges and administrative charges (e.g. for
research, returned checks, etc.) provided in this Agreem ent; and (c) collection
costs and attorneys' fees to the extent permitted by applicable l aw.
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 af f ect
l i ab i l i t y b e t we e n y o u . I f e i t h e r j o i n t A c c o u n t h o l d e r deni es l i ab i l i t y f o r
am o u nt s owed, we m ay close y o u r Acco u nt. I f we do, you m u s t co ntinu e to
pay according to the term s of t hi s Agreem ent, b ut you wil l not b e ab l e to m ake
new charges on your Account.
USING YOUR ACCOUNT
You can access your Acco u nt b y u s i ng y o u r Card or b y o t her m eans approved
by us which may incl ude cash advance transactions. We may limit the dollar
am ount and/or frequency of any type of transaction without notice to you.
YOUR CREDIT LIMIT
We wil l advise you of the total credit limit on your Account. All or a portion
of your total credit limit is available for cash advances. Your total credit l im it
and cash advance limit may change f ro m time to tim e. We will notify you of
any such changes through y o u r b illing statem ent or b y sending you a separate
no tice. If no separate cash advance l im it is listed on y o u r b i l l i ng s tatem ent,
then the amount of your credit l i m i t avai l ab l e f or cash advances is y o u r total
credit limit.
You agree not to al l ow y o u r unpaid b al ance to exceed y o u r to tal credit limit.
Your unpaid b al ance incl u des Finance Charges and other charges. We are not
required to extend credit if you have exceeded your total credit limit or if the
am o u nt requested would cause you to exceed your total credit l im it. If you
exceed y o u r total credit l i m i t , you agree to pay us that excess am o u nt
im m ediatel y . Yo u r total credit l im it and cash advance limit m ay no t ref l ect
y o u r paym ents for up to 1 4 days.
PAYMENT
Each statem ent y o u receive f ro m u s wil l identif y a Minim um Pay m ent and
Cu rrent Paym ent Due. The M i ni m u m Paym ent is cal cu l ated as f o l l o ws :
(1 ) If y o u r New Bal ance is not more than $15, y o u r Minim um Pay m ent is the
New Balance.
( 2) I f y o u r New Bal ance is more than $1 5, y o u r Minim u m Pay m ent is the
greater of:
(a) 1% of the New Balance s ho wn on y o u r statem ent p l u s the following:
any periodic Finance Charges,
any Monthl y Maintenance Fee Finance Charge, or an am ount equal
to 1/12 of the Annu al Fee, if applicab le, or
(b )$1 5.
( 3) At our dis cretio n, any Late Pay m ent Fee and/o r Overl im it Fee m ay b e
added to y o u r Minim u m Paym ent.
The Current Payment Due is the greater of:
( 1 ) y o u r Minim u m Paym ent pl us any am o u nt p as t du e, or
(2) the greater of:
(a) 1% of the New Bal ance shown on y o u r statem ent pl us the following:
any periodic Finance Charges,
any Monthl y Maintenance Fee Finance Charge, or an am o u nt equ al
to 1/12 of the Annual Fee, if applicable, and
any am ount over y o u r credit limit, or
(b ) $1 5 pl us any am o u nt over y o u r credit limit.
An o ver l i m i t am o u nt is the am o u nt b y wh i c h y o u r New Bal ance exceeds
y o u r credit l im it. Y o u r Minim u m Pay m ent and Cu rrent Paym ent Due wil l b e
r o u nded u p to the near es t do l l ar, u nl es s doing s o wi l l caus e the res u l ting
v a l u e to exceed the New Bal ance.
You must pay at least the Current Payment Due in time to be credited to y o u r
Acco u nt b y the Pay m ent Due Date. Fail ure to do so co ns t i t u t es def au l t of t h i s
Agreem ent. I f y o u do no t p ay at l east the M i ni m u m Pay m ent and any am o u nt
past due in tim e to b e credited to y o u r Acco u nt b y the Pay m ent Due Date,
you m ay b e assessed a late paym ent f ee. I nstructions f or m aking p ay m ents
are on y o u r b il l ing statem ent. For a p ay m ent to b e credited to y o u r Acco u nt
as of a p articu l ar day , we m u s t receive y o u r p ay m ent b y the date and tim e
a n d i n t h e m a n n e r s p e c i f i e d i n t ho s e i n s t r u c t i o n s . Y o u m u s t p a y a n y
o ver l i m i t o r p as t du e a m o u n t i m m edi at el y . Y o u m ay p ay m ore t h a n t he
Cu rrent Pay m ent Du e and m ay p ay the entire New Bal ance at any tim e.
Al l p ay m ents m u s t b e in U. S. do l l ars . Except f or disputed p ay m ent s , if you
pay by mail the payment must be sent to the address specified on your billing
s t at em ent . I f y o u p ay b y negotiab l e ins tru m ent, s u ch as a m o ney order o r
check, it m ust b e in a f o rm t hat is accep tab l e to us and m u s t b e dr awn on a
U.S. f i na nc i a l i n s t i t u t i o n . Disputed p ay m ent s , i ncl u di ng tho s e m ar ked
"Payment in Full" or otherwise restrictively endorsed, must be sent to the
addres s f o r wr i t t en inqu iries s hown o n y o u r s tatem ent. We can accep t
s u ch p ay m ents , and any t hat are l ate o r p art i al , wi t ho u t wa i v i n g o u r rights
u nder this Agreem ent. By sending u s a check f o r p ay m ent o n y o u r Acco u nt ,
you authorize us to initiate an electronic f u nds transfer f rom your b ank or
other f inancial ins titu tio n account according to the term s of the check. This
m eans t hat y o u r check wi l l b e co nverted to an el ectronic trans actio n and y o u r
original check wi l l not b e retu rned to you b y your b ank. Your o riginal check
will be destroyed. If you do not want your checks to be converted to an
el ect r o ni c f u n d s t r a n s f e r , p l eas e cal l c u s t o m e r s ervi ce at t he p ho ne
n u m b e r o n t he b a c k o f y o u r car d. Y o u r c h e c k i n g o r o t her f i n a n c i a l
ins titu tio n acco u nt m ay b e deb ited the sam e day we receive y o u r check.
Yo u m ay request a change to y o u r b il l ing cycl e date no m ore t han once a
y ear. Yo u agree that changes b ased o n y o u r requ es t m ay shorten any Grace
Period you m ay have or increase the time period f or which periodic Finance
Charges may accrue.
CHECK BY PHONE
You agree that we m ay add a f ee to y o u r Acco u nt each tim e a p ay m ent is
m ade b y tel ephone, even if the p ay m ent is made b y som eone other t han y o u .
This fee wil l b e disclosed at the time s u ch p ay m ent is reques ted.
APPLICATION OF PAYMENTS
At o u r di s cr et i o n, p ay m ents are general l y appl ied to interes t, f ees and t h e n
p rincip al b al ances . We ap p l y y o u r p a y m e nt s to lower APR b al ances b ef o re
higher APR b al ances . The ap p l icatio n of p ay m ents is sub ject to change at any
tim e, witho u t notice.
ANNUAL PERCENTAGE RATES AND PERIODIC RATES FOR
VARIABLE RATE ACCOUNTS
The Dai l y Periodic Rate u s ed to determ ine y o u r periodic Finance Charge is a
v a r i a b l e r a t e , wh i c h m a y c h a n g e . Th e S p r e a d , A n n u a l Pe r c e nt a ge Ra t e
("APR"), Dail y Periodic Rate, and m inim u m rate of Finance Charge f or the
variable Customary APR for credit card purchases and b alance transfers (if
avai l ab l e) , the variab l e Cu s t o m ary APR f o r cas h a d v a n c e s , i n c l u d i n g cash
a d v a n c e s m ade b y credi t card check, and t he var i ab l e D e f a u l t APR ar e
i n d i c a t e d o n t h e e n c l o s e d d o c u m e n t e n t i t l e d ' ' I m p o r t a n t I n f o r m a t i o n
Regarding Your Account." We calculate the APR by adding the Index to the
ap p l icab l e Spread ( exp l ai ned o n the encl o s ed docum ent ent i t l ed "I m portant
I nf o rm atio n Regarding Your Account"). Di f f erent t y p es of t rans act i o ns m ay
have d i f f e r e n t APRs . The D a i l y Perio dic Rat e i s t he c o r r e s p o ndi ng APR
divided b y 365.
PROMOTI ONAL RATE OFFERS
At o u r discretion, we m ay o f f er y o u a Pro m o tio nal Annu al Percentage Rate f o r
any type of transaction. The period of time for which the Promotional APR
applies m ay b e limited. Certain prom otional o f f er s m ay or m ay not b e s u b ject
to Cas h Ad v a n c e Fees. Any Pro m o tio nal APR, the co rres p o nding periodic
rates, and the period of tim e du r i ng which it is in ef f ect , wi l l b e discl osed to
you. Any Promotional APR of f er will be subject to the terms of the of f er and
this Agreem ent.
MINIMUM FI NANCE CHARGE
There wil l b e a M i ni m u m FI NANCE CHARGE o f $2.00 f o r each b i l l i ng
cy cl e in which a periodic Finance Charge is payab l e. Any M i ni m u m Finance
Charge m ay increase the actual Annu al Percentage Rate on y o u r Acco u nt.
ANNUAL FEE
The enclosed do cu m ent entitled "Im portant I nf orm ation Regarding Your
Account" indicates whether or not y o u r Acco u nt is s ub ject to an Annu al Fee.
I f y o u r Acco u nt has an Annu a l Fee, y o u agree to p ay an Annu al Fee f o r each
y ear y o u r Acco u nt is open, or closed wi t h a b al ance, in an am o u nt to b e set b y
us f ro m time to tim e. The Annu al Fee compensates HSBC Bank Nevada,
N. A. in p art, f o r cardm em b er s ervices p r o vi ded o r m ade a v a i l a b l e to y o u
t h r o u g h o u t the m em b ers hi p y ear whi ch i ncl u des , b u t is no t l im ited to , the
right o f the cardm em b er to access cu s to m er s ervi ce s t a f f , the r i g h t o f the
cardm em b er to withhol d p ay m ent of disputed charges , and the processing and
m a i l i n g o f the b i l l i ng s t at em ent . Y o u agree t hat the A n n u a l Fee wi l l b e
charged to y o u r Acco u nt .
LATE PAYMENT FEE
We m ay add a late p ay m ent f ee to y o u r Acco u nt f or each b il l ing cy cl e you
f ai l to p ay at l eas t the M i ni m u m P a y m e n t , and any am o u nt p as t du e, in tim e
to b e credited to y o u r Acco u nt b y the Pay m ent Du e Date. Th i s l ate f ee is
i ndi cat ed o n t he encl o s ed do cu m ent e n t i t l e d "I m p o rtant I nf o r m at i o n
Regarding Y o u r Acco u nt."
RETURNED CHECK CHARGE/RETURNED PAYMENT FEE
We m ay add a f ee to y o u r Acco u nt each tim e a credit card check ( b al ance
t rans f er check [if avai l ab l e!, el ectronic check, etc.) is retu rned u ns atis f ied b y
us f or any reas o n. This f ee is $29.
We m ay add a f ee to y o u r Acco u nt each time a p ay m ent check, au t o m at i c
p ay m ent deduction, or sim il ar ins tru m ent is not honored or is retu rned
u ns atis f ied b y your b ank or other f i nanci al i ns t i t u t i o n. This f ee is $29.
Y o u agree t h a t any p a y m e n t r e t u r n e d u n s a t i s f i e d f o r any reas o n m ay b e
rep o s ted to any t y p e o f trans actio n (i.e. cas h a d v a n c e , p u r c ha s e , et c. ) and
Finance Charges m ay b e reins tated b ack to the p ay m ent date at the APR b eing
charged f o r t rans act i o n type.
OVERLIMIT FEE
We may add an overlimit fee to your Account if your balance exceeds your
credit lim it at any time du ring t hat b il l ing cycl e. We m ay im pose this f ee even
if we authorize or im pose any charges that cau s e y o u r b al ance to exceed y o u r
credit l i m i t . This f ee is $29.
CASHADVANCE FEE FINANCE CHARGE
A Finance Charge wi l l b e com puted on the am ount of each cash advance as of
the date of the trans actio n. Cash advances incl u de al l advances to get cash o ver
t h e c o u n t e r , t h r o u g h a n ATM , b a l a n c e t r a n s f e r s , o r o t h e r " c a s h -l i k e "
t r ans act i o ns ( s u ch as p u r chas i ng a m o ney order, travel er's check, cas ino o r
betting chip, or a lottery ticket) as determined by us. The Cash Advance Fee
Finance Charge is indicated o n the encl osed do cu m ent entitl ed, "I m p o r t ant
I nf o rm atio n Regarding Yo u r Acco u nt"
The following Foreign Transaction Fee Finance Charge section is effective
on the first day of your billing cycle e n d i n g on or after November 1,2005.
FOREIGN TRANSACTION FEE FINANCE CHARGE
A Foreign Trans act i o n Fee Finance Charge wil l ap p l y to trans actio ns
m ade i n a f o r e i g n c u r r e n c y . Y o u r b il l ing s t a t e m e n t wil l l i s t t he
transactions separately f ro m the Foreign Transaction Fee Finance Charge.
The Foreign Transaction Fee Finance Charge is indicated on the enclosed
docum ent entitl ed, "Important I nf orm ation Regarding Yo u r Account."
RESEARCH CHARGE
Yo u agree to p ay $7 f o r each s al es sl ip copy y o u requ es t and $5 f o r each
s t a t e m e n t c o p y y o u r e q u e s t , a n d $ 1 0 f o r e a c h a p p l i c a t i o n c o p y y o u
requ es t.s tatem ent copy you requ es t.
CHANGE OF TERMS (including Finance Charges)
WE MAY CHANGE OR TERMINATE ALL OR ANY PART OF THIS
AGREEMENT OR ADD NEWTERMS AT ANY TIME, INCLUDING
WITHOUT LIMITATION ADDING OR INCREASING FEES,
INCREASING YOUR PERIODIC PAYMENT AND INCREASING THE
RATE OR AMOUNT OF FINANCE CHARGE, OR CHANGING THE
METHOD OF COMPUTING THE BALANCE UPON WHICH FINANCE
CHARGES ARE ASSESSED. AMONG OTHER THINGS, WE MAY
UNILATERALLY INCREASE YOUR APR, INCREASE FEES OR
TAKE OTHER ACTION TO INCREASE THE COST OF CREDIT
BASED ON A CHANGE IN YOUR CREDIT HISTORY, INCLUDING
YOUR FAILURE TO MAKE TIMELY PAYMENTS TO ANOTHER
CREDITOR OR US, AN INCREASE IN YOUR TOTAL OUTSTANDING
DEBT, OR AN INCREASE IN THE USE OF YOUR CREDIT LINES.
WRITTEN NOTICE WILL BE PROVIDED TO YOU WHEN
REQUIRED BY APPLICABLE LAW. UNLESS OTHERWISE STATED,
CHANGES APPLY TO BOTH NEW AND OUTSTANDING BALANCES.
DEFAULT AND TERMINATION OF AGREEMENT
Yo u wi l l b e in d e f a u l t u nder this Agreem ent if : ( a) y o u f ail to m ake at l eas t
the Cu r r ent Pay m ent Du e in tim e to b e credited to y o u r Acco u nt b y the
Paym ent Due Date; (b) you violate any other provision of this Agreement;
( c ) y o u d i e ; ( d ) y o u b e c o m e s u b j e c t t o b a n k r u p t c y o r i n s o l v e n c y
p r o c e e d i n g s ; ( e ) y o u s u p p l y u s w i t h m i s l e a d i n g , f a l s e , i n c o m p l e t e o r
i n c o r r e c t i n f o r m a t i o n ; ( f ) w e r e c e i v e i n f o r m a t i o n f r o m t h i r d p a r t i e s ,
i ncl u di ng credit rep o rting agencies , whi ch indicate a serious de l i nqu e nc y o r
charge-off with other creditors; (g) you f ail to provide us a physical address;
( h) y o u exceed y o u r credit l im it; ( i) y o u r p ay m ent is returned u ns at i s f i ed b y
y o u r b ank o r o t her f inancial i ns t i t u t i o n f o r any reas o n; o r (j) any cr edi t card
check is retu rned u np ai d b y u s . Upon def au l t, we ha ve the right to close y o u r
Acco u nt , to term inate o r s u s p end y o u r credit p rivil eges u nder this Agreem ent ,
to change the term s of y o u r Acco u nt and this Agreem ent, to requ i re you to
p ay y o u r ent i re Acco u nt b al ance i n c l u d i n g al l accr u ed b u t u np ai d charges
immediately, and to sue you for what you owe. If you do not pay us, y o u r
Acco u nt b al ance wi l l co nt i nu e to accrue Finance Charges and f ees u n t i l p aid
i n f u l l a nd wi l l r e m a i n s u b je c t t o a l l t he t er m s a nd c o n d i t i o n s o f t h i s
Agreem ent . I f we sue y o u , or if we hire a third p arty to collect y o u r Acco u nt
b al ance, y o u wil l p ay o u r co u rt co s t s , reas o nab l e at t o r ney s ' f ees and other
collection costs related to the def aul t to the extent permitted by law in the
state in which you reside, and we will apply y o u r p ay m ents f i r s t to atto rney s '
f ees and o ther costs and t hen to principal and u np ai d Finance Charges .
CREDIT AUTHORIZATIONS
Some p u rchas es wi l l requ i re o u r prior au t ho ri zat i o n and y o u m ay b e as ked b y
the m erchant to p r o vi de identif ication. I f any part of the au tho rizatio n system
is not wo rking, we m ay not b e ab l e to au tho rize a trans actio n, even if you have
suf f icient available credit. We will not be liable to you if any of these events
hap p en. We are not responsib l e f or the ref u s al of any m erchant to accept or
ho no r y o u r Card.
CARD RENEWAL
Cards are issued with an exp iratio n date. We have the right not to renew y o u r
Card f o r any reason.
ACCOUNT CLOSURE
We m ay cl ose y o u r Acco u nt , s u s p end y o u r credit p rivil eges , o r reduce y o u r
credit l im it at any tim e and f or any reason, sub ject to the requ irem ents of
appl icab l e l aw. I n any of these events , your Acco u nt b al ance will co ntinu e to
accrue Finance Charges and fees until paid in f u l l , and will remain subject to
al l the term s and conditions of this Agreem ent. I f we close y o u r Account, you
agree to des tro y y o u r Ca r d( s ) and any u nu s ed credit card checks . I f y o u r
Acco u nt has b een closed, or y o u r credit privil eges are suspended, you m ay
not use y o u r Card or credit card checks .
CLOSING YOUR ACCOUNT
You m ay close y o u r Acco u nt at any tim e b y writing to us at P.O. Box 81622,
Salinas, CA 93912-1622. If you close your Account, you m ust immediately
pay every thing you owe us , incl u ding any am ounts owed b ut not yet b illed to
y o u , in order to avo id the accrual of Finance Charges and other f ees. If you do
no t p ay u s , y o u r Acco u nt b al ance will co ntinu e to accrue Finance Charges and
o ther f ees , and wi l l rem ain s u b ject to al l the term s and co ndi t i o ns o f this
Agreem ent. Upon closing your Acco u nt, you also agree to destroy your
Card( s ) and any u nu s ed credit card checks . I f y o u close y o u r Acco u nt y o u
m ay no t u s e y o u r Card o r credi t card checks .
LIABILITY FOR UNAUTHORIZED USE
You shoul d retain copies of al l charge slips u n t i l you receive y o u r s tatem ent,
at whi c h time y o u shoul d v e r i f y that the charges are tru e and the am o u nt s
u nal t er ed. You m ay b e l iab l e f or the u nau tho rized use of y o u r credit card. You
will not be liable for unauthorized use that occurs af ter you notify us of the
loss, thef t o r possib l e u nau tho rized u s e. No tif icatio n m u s t b e given b y writing
us immediately upon l earning of the l oss, t hef t or possib le u nau tho rized use at
P.O. Bo x 81 622, Sal inas , CA 9391 2-1 622 o r c a l l i n g u s at the t e l e p ho ne
n u m b e r l i s t ed o n y o u r b i l l i ng s t a t e m e n t . Y o u w i l l no t b e l i a b l e f o r a ny
u nau tho rized use of y o u r credit card Acco u nt when you notif y us im m ediatel y
a t t h e p h o n e n u m b e r o r a d d r e s s a b o v e . I n a n y cas e, y o u r l i a b i l i t y f o r
unauthorized use of your credit card will not exceed $50.
SECURITY
We are ext endi ng you an u ns ecu red line of credit. We theref ore wai ve any
s ecu rity interes t t hat m i ght arise u nder t hi s Agr eem ent du e to l angu age in
other l o an agreem ents y o u m ay have with u s .
LOST OR STOLEN CREDIT CARD CHECKS
You agree to no tif y us immediately if any credit card checks are l ost or s to l en.
You may notify us b y calling (800) 395-4500.
CHANGE OF NAME, ADDRESS, TELEPHONE NUMBER OR
EMPLOYMENT
Y o u agree t o g i v e u s p ro m p t no t i ce o f any change i n y o u r na m e , m a i l i n g
address, tel ep ho ne nu m b er or pl ace of em p l o y m ent.
STOP PAYMENT
We m ay add a $29 fee to the cas h advance b al ance each tim e payment of a
credit card check is stopped at y o u r r equ es t . Yo u m ay stop p ay m ent o n a
credit card check b y no t i f y i ng us in wr i t i ng at P.O. Box 81622. Sal inas , CA
93912-1622 or b y cal l ing us at the telephone num b er listed on the b i l l i n g
statem ent. When you write, incl u de the nu m b er, p ay ee, a m o u nt , and date of
the credit card check on which paym ent is to be stopped. If you cal l , you must
c o nf i r m the cal l in writing wi t hi n 1 4 day s . A wri t t en stop p ay m ent wi l l rem ain
in ef f ect f o r s ix m o nths u nl es s renewed in wri t i ng.
The following FOREIGN TRANSACTIONS section is effective on the
first day of your b i l l i ng cycle ending on or after November 1,2005.
FOREIGN TRANSACTIONS
I f you make a trans actio n in a f o reign cu rrency , the transaction wi l l b e
converted by Visa International or MasterCard International, depending
on which card you use, i nt o a U.S. dollar am o u nt in accordance with its
operating regu l atio ns or conversion procedures in ef f ect at the time the
trans action is processed. Cu r r e n t l y , those r egu l at i o ns and procedures
p r o vi de t hat the c u r r e n c y co nver s i o n rate to b e u s ed is either ( 1 ) a
wholesale market rate, or (2) a government-mandated rate in effect on
either (i) the applicab le central processing date, or (ii) one day prior to
the processing date. The cu rrency conversion rate in ef f ect on the
AG2406 (7/05)
processing date m ay di f f er f r o m the rate in ef f ect on the trans actio n date or
posting date.
APPLICABLE LAW
This Agreem ent and y o u r Acco u nt wil l b e go verned b y f ederal l aw and the
l aws of the state of Nevada, whether or not you l ive in Nevada and whether or
no t y o u r Acco u nt is u s ed o u ts ide Ne v a d a . This Agr eem ent is entered into
Nevada and al l credit u nde r this Agreem ent wil l b e extended f ro m Nevada.
ASSIGNMENT OF ACCOUNT
We m a y s el l , a s s i g n o r t r a n s f e r y o u r Ag r e e m e n t a n d A c c o u n t o r a n y
p o rtio n t hereo f wi t h o u t no tice to y o u . Yo u m ay no t sel l , as s i gn o r t r a n s f e r
y o u r Acco u nt .
CERTAIN PRIVACY PRACTICES
Y o u agr ee t h a t f r o m t i m e t o t i m e we m a y r e c e i v e c r e d i t i n f o r m a t i o n
c o n c e r n i n g y o u f r o m o t h e r s , s u c h a s s t o r es , o t h e r l e n d e r s , a n d c r e di t
rep o rting agencies , and t hat we m ay u s e t hi s inf o rm atio n to am end, cancel o r
suspend your credit privileges under this Agreement even if you are not in
d e f a u l t wi t h u s . Y o u agree t hat t he Dep ar t m ent o f M o to r Ve h i c l e s m ay
rel eas e y o u r res idence addres s to u s . s ho u l d it b eco m e neces s ary to l o cate
y o u . Y o u a gr e e t h a t o u r s u p e r v i s o r y p e r s o n n e l m a y l i s t en a n d r e c o r d
tel ep ho ne cal l s b etween y o u and o u r rep res entatives in order to e va l u a t e the
q u a l i t y o f o u r service to y o u and to o ther cardm em b ers . Fo r a d d i t i o n a l
i n f o r m a t i o n r e g a r d i n g o u r p r i va c y p ract i ces , p l eas e ref er t o o u r Pr i vacy
Statement previousl y provided to you.
CREDIT REPORTING
I f y o u f ail to f u l f i l l the term s o f this Agreem ent, a negat i ve report ref l ecting
on your credit record may be submitted to a credit reporting agency. If any
s p e c i f i c i n f o r m a t i o n r e l a t e d t o y o u r A c c o u n t t r a n s a c t i o n s o r c r e d i t
experience with u s is inaccu rate, y o u m ay no t i f y u s and requ es t u s to co rrect
the i naccu rat e inf o rm atio n ( af ter co nf irm atio n o f the al l eged error) reported
to any credit rep o rting agency b y w r i t i n g to u s at P.O. Bo x 19360. Po rtl and.
OR 97280-0360.
WAIVER
We m ay choose to del ay enf o rci ng o r waive any o f o u r rights u n d e r this
Agreem ent in certain situations. We can del ay enf o rcing or waive any of our
rights wi t h o u t a f f e c t i n g o u r o t her r i ght s . I f we wa i v e a r i ght , we do no t
thereb y waive the same right in other situations.
UPDATED FINANCIAL AND OTHER INFORMATION
Up o n requ es t , y o u agree to p r o m p t l y give u s accu r at e f i nanci al and o t her
inf o rm atio n ab out yoursel f.
SEVERABILITY
I f any p r o v i s i o n o f t h i s A g r e e m e n t i s f i n a l l y d e t e r m i n e d t o b e vo i d o r
u nenf o rceab l e u nder any l aw, ru l e or regu l atio n, al l other provisions of this
Agreem ent will rem ain val id and enf orceab l e.
ARBITRATION
Yo u agree any cl aim , dis p u te, o r co ntro vers y ( whether b ased upon contract;
to rt, intentio nal o r o therwis e; co ns titu tio n; s tatu te; com m on l aw; o r equ i t y and
whe t he r p r e -e xi s t i ng, p r es ent o r f u t u r e ) , i ncl u di ng i ni t i al cl aim s, co u nt er-
cl ai m s , cross-cl aim s and t h i r d p arty cl aim s , arising f ro m o r rel ating to t hi s
Agreement or the relationships which result f ro m this Agreement, including
the val idity or enf o rceab il ity of this arb itratio n cl au s e, any p art thereo f or the
entire Agreem ent ("Claim"), shal l b e res o l ved, u p o n the el ection of you or us,
b y b i ndi ng arb itration p u rs u ant to this arb itratio n p ro vis io n and the appl icab l e
ru l es or procedures of the arb itratio n adm i ni s t r at o r selected at the t i m e the
Cl aim is fil ed. The p arty initiating the arb itration proceeding s hal l have the
r i g h t t o s el ect o ne o f t he f o l l o wi n g t wo a r b i t r a t i o n a d m i n i s t r a t o r s : t he
National Arb itration Forum ("NAF") or JAMS. The arbitrator shall b e a
l awy er wi t h more t han ten years experience or a retired or f o rm er ju dge . We
agree not to invoke our right to arb itrate an individu al Cl aim you m ay b ri ng in
s m al l cl ai m s co u rt or an e q u i v a l e n t court, if any, so l ong as the Cl aim is
p ending o n l y in that court. The rul es and f o rm s o f the NAF and J AMS m ay b e
ob tained b y writing to these organizations at the addresses listed b el o w. Our
address for service of process u nder t hi s p ro vis io n is HSBC Card t Services,
Inc., P.O. Box 98740, Las Vegas, NV 89193-8740.
Any p articip ato ry arb itratio n hearing t hat y o u attend wi l l take place in the c i t y
nearest to y o u r residence where a f ederal district co u rt is located or at s u ch
other location as agreed by the parties. On any Claim you file, you will pay
the f irs t $50 of the fil ing f ee. At y o u r reques t we wi l l pay the rem ainder of the
f i l i ng f ee and any adm inis trative o r hearing f ees charged b y the arb i t rat i o n
adm inis trato r o n any Cl aim s u b m itted b y y o u in arb itratio n u p to a m axi m u m
of $1,500. If you are required to pay any additio nal f ees to the arb itratio n
a d m i n i s t r a t o r , we wil l co ns ider a r equ es t b y y o u to p ay al l o r p art o f the
additional f ees ; ho wever, we shall no t b e o b l igated to p ay any additional f ees
u n l e s s the arb itrato r grants y o u an award. I f the arb itrato r grants an award in
y o u r f avo r, we wil l reim b urse you f or any additional f ees paid or owed b y you
to the arb itratio n adm inistrator u p to the am o u nt o f the f ees t ha t wo u l d have
b een charged if the original Cl aim had been f or the am o u nt of the actu al award
in your f avor. The parties shall bear the expense of their respective attorney's
fees, except as o therwis e p ro vided b y l aw. I f a s tatu te gives you the right to
recover any of these f ees , or the f ees paid to the arb itratio n adm inis trato r, thes e
s tatu to ry rights shall ap p l y in the arb itratio n no t wi t hs t andi ng any t hi ng to the
co ntrary contained herei n. I f the arb itrator issues an award in our f avo r, you
wil l no t b e required to reim b u rs e u s f o r any f ees we have p revio u s l y paid to
the arb i t rat i o n adm inis trato r o r f o r whi ch we are responsib l e.
This arb i t rat i o n agreem ent is m ade p u r s u a n t to a trans actio n invo l ving
inters tate com m erce, and shal l b e governed b y the Federal Arb itration Act, 9
U.S.C. Sectio ns 1 - 1 6 ( t he "FAA"). The arb itrato r s hal l ap p l y ap p l i cab l e
s u b s t ant i ve l aw co ns is tent wi t h the FAA and provide written reasoned f i ndi ngs
of f act and co ncl u s i o ns of l aw. The arb itrato r' s award s hal l not b e s u b ject to
appeal excep t as p er m i t t ed b y the FAA. The parties agree t ha t the award s h a l l
b e kep t co nf idential . J u dgm ent upon the award m ay b e entered in any court
having jurisdiction.
This arb itratio n agreem ent shal l s u rvive term inatio n of y o u r Acco u nt as well
as the rep ay m ent of al l am o u nts b orrowed hereu nder. I f any portion of this
arb itration agreement is deemed invalid or unenf orceab l e u nder any law or
s t a t u t e co ns is tent with the FAA. it s hal l no t i nval i dat e the r em ai ni ng portions
of this arb itratio n agreem ent or the Agreem ent. I n the event of a co nf l ict or
i n c o n s i s t e n c y b e t w e e n t h e r u l e s a n d p r o c e d u r e s o f t h e a r b i t r a t i o n
adm inis trato r and this arb itration agreem ent, this arb itration agreem ent shall
g o v e r n . No cl as s actio ns o r jo inder o r co ns o l idatio n o f any Cl aim with the
cl aim o f any o ther p e r s o n are p er m i t t ed i n a r b i t r a t i o n wi t ho u t t he wr i t t e n
consent of you and us.
THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO
LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR
JURY, BUT WILL NOT HAVE THAT RIGHT IF EITHER PARTY
ELECTS ARBITRATION. THE PARTIES HEREBY KNOWINGLY
AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH
CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON
ELECTION OF ARBITRATION BY EITHER PARTY.
You m ay co ntact, ob tain the arb itratio n ru l es of , or f il e a Cl aim wi t h NAF or
J AMS as f o l l o ws :
National Arbitration Forum
P.O. Box 50191
M inneap o l is , MN 55405
www. ar b -f o r u m . o r g
Code of Procedure
J AM S
45 Bro adway
New Yo rk, NY 10005
www.jam s adr.co m
Fi nanci al Services
Arb itration Ru l es and Procedures.
What To Do If There's An Error In Your Bill
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
Th i s n o t i c e c o n t a i n s i m p o r t a n t i n f o r m a t i o n a b o u t y o u r r i g h t s a n d o u r
responsib ilities u nder the Fair Credit Bil l ing Act.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
I f y o u t hi nk y o u r b il l is wr o n g , o r if y o u need m o re i n f o r m a t i o n a b o u t a
transaction on your bill, write us on a separate sheet at the address listed on
y o u r b il l . Write us as soon as possib l e. We m ust hear f ro m you no l ater than 60
day s af t er we sent y o u the f irs t b il l o n which the erro r o r prob l em ap p eared.
You can telephone us. b ut do ing so wil l not preserve y o u r rights.
I n y o u r l etter give u s the f o l l o wing inf orm ation:
Y o u r nam e and acco u nt nu m b er .
The dollar am o u nt of the s u s p ected error.
Describe the error and explain, if you can, why you b elieve there is an error.
If you need more inf o rm atio n, describ e the item you are not sure ab out.