Features	Benefits	Annual Fee^	Variable Customary Purchase APR^	Variable Default APR^	Account Processing Fee^

HSBC Platinum MasterCard® with Cash Back	- Earn 1% cash back with every credit card purchase, everwhere! - No Annual Fee! - 0% Introductory APR for 6 months on purchases and balance transfers*	- Platinum MasterCard Benefits - Zero Liability for fraudulent charges - Free online account access	$0	11.99%-20.99%	31.99%	$0
HSBC Platinum MasterCard®	-2% cash back on credit card purchases** - Great Purchasing power to strengthen your credit	- 100% Fraud Liability Protection - Free standard online bill pay	$39-$79	14.90%	29.49%	$0-$19
HSBC Secured MasterCard®	- Earns you interest on your deposit - Reports to all three major credit bureaus	- 100% Fraud Liability Protection - On-Call Customer Service Representatives	$35	16.80%	31.99%	$300 minimum deposit

It is our goal to offer you the credit card that best fits your credit profile, which may or 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 or 1% cash back, and with different terms and conditions which will be disclosed to you before your application is processed.

*The 0% Introductory APR offer for 6 months does not apply to cash advances. After the Introductory Period, the variable Customary Purchase APR will apply. Your APRs may increase to the Default APR if you default because you A) fail to make a payment when due or B) exceed your credit limit. Effective February 17, 2010, the Default APR will be called Penalty APR and your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. A 3% ($15 minimum) on all cash advances by credit card check, through the ATM, or over the counter, will apply, unless otherwise disclosed. A 4% fee ($15 minimum) will apply to all Balance Transfers unless otherwise disclosed. Periodic Finance Charges apply from date of transaction unless subject to the 0% Introductory APR. Balance Transfers may be limited.

**You will receive 2% earnings redeemable for cash (with a maximum of $400 annually) on new net retail purchases charged to this credit card. Cash redeemed in $25 increments. Upon approval, you will receive the 2% Cash Back Program Rules.

^Rates are accurate as of 1/15/10. The variable Customary APR applies to purchases, balance transfers (if available) and cash advances made by credit card check, and is between 11.99% and 20.99%, depending upon your creditworthiness. The variable Cash APR is between 20.90% and 20.99%, depending upon creditworthiness. Your APRs may increase to the Default APR if you default because you A) fail to make a payment when due or B) exceed your credit limit. Effective February 17, 2010, the Default APR will be called Penalty APR and your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The Default APR is between 29.49% and 31.99%, depending upon your creditworthiness. The Minimum Finance Charge is $1.00. An Annual Fee between $0 and $79 and a One-Time Processing Fee between $0 and $19 will apply, depending upon your creditworthiness. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency. We apply payments to lower APR balances before higher APR balances. These cards are issued by HSBC Bank Nevada, N.A. and serviced by its affiliates, HSBC Card Services Inc. and/or HSBC Card Services (II) Inc.

Please note, we have the right to change your APRs, fees and other terms at any time, for any reason, in accordance with your Cardmember Agreement and applicable law.