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This hyperlink allows you to access a non-HSBC website. HSBC Bank USA, N.A. has no control over the linked website and is not liable for your use of it. Please read the terms & conditions, security and privacy policy of the linked website, which may differ from the terms & conditions, security and privacy policy of HSBC Bank USA, N.A.

It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, which may not include a 0% Introductory APR and/or rewards feature, and with different terms and conditions, which will be disclosed before your application is processed.

* Rates are accurate as of 02/08/2012.

The 0% Introductory APR offer for 12 months does not apply to cash advances. After the Introductory Period, a variable Purchase APR between 12.99% and 19.99%, depending on your creditworthiness, will apply to these credit card purchase balances. A variable Balance Transfer APR between 12.99% and 19.99%, depending on your Creditworthiness, will apply to these balance transfer balances. These APRs will vary with the market based on the Prime Rate. 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. The Purchase APR applies to credit card purchases. The Balance Transfer APR applies to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts and is cu rrently between 19.24% and 21.99%. Your APRs may increase to the variable Penalty APR currently between 27.24% and 31.99% if you fail to make a minimum payment to us when due. The Minimum Interest Charge is $1.00. A Cash Advance Fee of $10 or 4% on each transaction, whichever is greater, will apply. A Balance Transfer Fee of $5 or 3% on each transaction, whichever is greater, will apply unless otherwise disclosed. A 3% Foreign Transaction Fee will apply to transactions made in a foreign currency. An Overdraft Fee of $5 or 3%, whichever is greater, will apply to the overdraft amount, if applicable. An Annual Fee between $0 and $35 will apply, depending on your creditworthiness.

We have the right to change your APRs, fees, and other terms at any time, in accordance with your Cardmember Agreement and applicable law. Reasons for a change may include, but are not limited to, any change in your credit history, credit obligations, Account performance, use of your credit lines, or our financial return. Notice of any changes will be provided to you as required by law, which may include the right to opt out of certain changes

These cards are issued by HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. and are serviced by its affiliate, HSBC Card Services Inc.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

**Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for complete program terms and conditions which will be sent with your card.