© HSBC Bank USA, N.A. 2012. All Rights Reserved.

*The information about the costs and benefits of the card described is accurate as of 3/2/2012. The information may have changed after that date. To find out what may have changed, call 1-800-395-2120.The variable Purchase APR applies to credit card purchases and is 9.99%. The variable Balance Transfer APR applies to balance transfers and credit card checks and is 9.99%. The variable Cash APR applies to cash advances and overdrafts and is 21.99%. All your APRs may automatically increase to the variable Penalty APR of 27.24% if you fail to make a payment to us when due. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is $0.50. A Cash Advance Fee of either $5 or 3%, whichever is greater, will apply to to each transaction. A Balance Transfer Fee of either $5 or 3%, whichever is greater, will apply to each transfer. There is no Annual Fee, Over the Credit Limit Fee, Overdraft Transaction Fee, or Foreign Transaction Fee.

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.

The Premier World MasterCard has no pre-set spending limit. This does not mean unlimited spending. We may permit you to incur charges (except ATM cash advance transactions) that cause your New Balance to exceed your revolving credit line. Each such charge will be evaluated based on Account usage and performance, other Account relationships with us and your experience with other creditors fees or other charges in full each month.

Earn one Point for every dollar charged in new, net retail purchases.

HSBC Premier World MasterCard® credit cards are issued by HSBC Bank USA, N.A. or HSBC Bank Nevada, N.A. and serviced by its affiliate, HSBC Card Services Inc.

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

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