HSBC Agreement

8/9/2019 HSBC Agreement

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SPECIAL RULES FOR CREDIT CARD PURCHASESIf ' ; "U have a pr.:lbfcm ... ':h t'-,,! qua!I!'" or p r ~ e r w or ~ e r v : e s VOlIp,irchascd wi:t-. d ::rcc i: . a ~ ~ .. ra Y>:t; h.7,y(, :nco in cood faith 10correct ;he prObicu'l'I wi:h the filer:."li;'f1:. you ma y h a v e ~ t h e right not~ a y ,roe r e n : - ~ i n i n 9 a m a u ~ ~ Of: ttle propeny or s e r J l c e ~

I r.ere ofe two IlmllanOns OJ, !r,'S n g h ~ .:;;; YOli must have ma:le till' p'-!rcha:;e ir; home s!ate or if::C1 . within 11)0 rniies of }'.JUl" curren, mailing address.

T h ~ purchase price r ~ " ; , ; f,:} '/ f : b ~ e " mere thar, S5\1 .Tr.ese l i n i i r a : i ( ~ r . $ d::1 li o t app ly if we (.wn or operate thel < ! r r : h a n ! Of II we nio ,l.::d yc,u :roe aavemsemen: fo r thepropef,y nr ;:;c{v;c;es . HSSC Gar .:: Services In:: . andl or HSBCCard Serv ic es (f I ' Inc ; : : " ~ ' ; p " , c l : l ~ s m g s e r . : i c c ~ lei I-!SSCB a n ~ Nevada , N .AYt1u ( I ~ e to us ~ h ~ ( ) d d r e s ~ snCV:fi en \f o.ur b,Hir,g$,


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AGREEMENT TO TERMS AND DEFINITIONS: t ;;s CardmcmbEr A.qreement and any amer.dments ( t \ g r ~ m e n t i gcvem tI1e open end ine of credit we nal. ' i ! established 1Cf yvLt ( ~ c u r ACCO'.Int} . "You' and 'voor" !eter to all persons .....r.-c applied fer ;heA(;CC,)nt or are cop;ra'eming~ e d l t ;;:.ard nct .... oO(. as apphcabie.'{e u and . ~ ' C are cOI.mc by thrs Agreemen: fw(';", 1M earl ier of the:Ime vcu receive it or f r ~ m :he date of :he firsl transac:icn .Ir)eluding . without limita:ion. the placement cr posting of anyAnnual Fee cr PeriOdic Membersnip Fee on yeor Account. Yc umay ciose your Account before u s i n ~ It WI:r.OUl paying an,Annual Fee or Pericdic Membership .-ee i1 applicable to 'IOllrAce::!;;;t. wT:en you cal! us ' .. i:h;;; 90 days tj f yC'ur Acccum opendate at the customer serJiee nurnber cn the back of yowr r.ar6.USING YOUR ACCOUNTAccount Us e Restr ict ionsYou agree to use yc.ur Account olily for persc1'Iat. f a f f i ! I ~ hct;scr.-ck!or charitable p u r p c ~ e : i You agre:! I ~ u :


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C L i ! T ~ n t Payment Due,h e Current Paymen: Out? 1$ t t le greater :>i:

(t ) your ~ , ! i n i m u " Payment ptu!S ar.y afT"O/Jnt pas ! - : : ! . i ! ~ . Cf(2j the ]rea:er of: .

(a) , % c.f !t-.e New B.dance s/",v ...n en ycur s l a t e n ~ e n t pills the following:, any penodic Finance Charges, 'lny ManTtly ~ a l f i ! e n a n c e Fee F,r.ance Charge . oran amounl equal :0 !i12 of the Annual F=e Ifapplicable 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 berounded up to the neares: dollar. unl!!!>s doing SQ ','iill ::atlse :here!s!..ilting 'Ialue Ie exceed the New Balan:eTiming and Form of PaymentsYou rfo\JEt pay ,I t :east ih e Currenl Payment Due ;n (/froe :0 (;ec r i ! d l : ~ d : o 'ioUr Accoun: by !he Pav;r.en! Due Dale and fallwe~ C } do 3.0 : ; r . s : i : u ( e s a default cf this :1\;1reemem. i ( \ S l r l l s . : o ~ s tor K ! i ; ~ payrnen:s .are en o u r t ' l l ! j ~ g ! a ~ e n 1 ~ n L r t ~ : -

.. ' 1) cred!:eo to YO lJr Accoun: 3S of ; l particular (lay.your paymen: by :he date and time ao'J ir. :1,;1in those l:1s:ruc:iuns. If your Account is' h ,ut , yo u can avoid an additional oYerlimit fee bymediately paying at feast the Current Payment Due.pen d


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Cash APRF;;), =ash advar.:t!s .r.e Spread , er "anatie ';;:esi . ; '.PR and:orrespcnding Daily PEiiG(j!C "Rate are d l ~ C c i e d in :r:e/ .d,jit!or;ai Disciusu,e Sta:en:entDefault AP RIf yCU( Account has a Oetau:t APR provision . !I".e Default ~ ' \ P R and conditions !hat may cause a DE:fault APR to :aKe etfec:as ,,"ell as ;he Spread (tnr va{lable ra:es). APR andcorresp::mding Daily Peiiodic Ra:e are d isdcsed in :ile?ddi:iona! Disclosure Statement .Promotional or Introductory APRAt cur rjiscretion. we ma y offer you a Procno:ic)flai orIntroductory APR for any type (.if transaction. 7he Promotionalcr !nlroductcr,, APR. c c r ~ e s p o r . ( j l n 9 O a i / ~ i Periodic R . 3 t ~ . period of {llile 'o r which the Prcmc:lvnal cr ~ n l f i ' ) d u c t o r y APRa ~ ; J h e s . and cor-onicns by ....hich the nromotinnai p ~ r k ) d IHIYbe' shonened are disclosed in :he offer C ~ r t a ! r ) prcmoticnaloHers may cr ma,' no : be sublect !o Cash Ad';an(;!;> Fees. Arl,/Promctional or Introductory ;\PR uttc:r v, 11I te l b i e c ~ to the: e ~ m s of !he offer and ;hi!: Agrccnoer.:.Finance ChargesFinance C i ~ a r g e s are the :U!al cf !tu: QreatPor d (a) MinimumFina0ce .CI1i3fge_ I)r (b) Penc(iic fiMiict: Cnarit:!g , an d ar:xapplt,:able (C) \,.,ilS ... Ad'/ar.ce r-ee r!f i . :mce .....h;,fges. ( ..)Foreign Transaction Fee F ~ r . a n c e cr.arge . ~ e ) Crl!(1i: Linii:Increase Fee FinanCe Charge., (n Mcmtw; Mamtent


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c : ; ' . ~ r any everdraft due !o S l i f f i funds on thedeslgna! ed dc::;cS,[ accour,L We wi!! transfer to ~ t ; c ocpcsi:account the 3IllC;Jr,t 01 !r.e overdraft rounded :0 the ne-.:: f:.iHdellar We ... I! n0t a k e 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 acccuntrules and tHes Under 11" circulnstar.ces . shall any suche ( d r . ~ be aliGwl!d ;0 ex:eed your avaIlable credit limit. Youur.derstand ~ h a ~ we have ~ h e nght to cancel this A c c ~ u r , t orycur overdrat! ioan privileges at any time .

V-Ie may add an O v e r 1 r a ~ Fee Finance Charge to your Accountif your A c ~ c u n t is ll !i!tzed t:J cover arw overdraft on yourdesignated d e p o s l ~ accounL AJ1 O':ertir 1ft 'Fee Finance Chargew !!l be ::lJmputerl on the amount of each ovcrdiaft lransa:tior.I'hi See Addi:ional Disclosure Statemen: f()r any a d c t ~ ! c r ..31Finance Ct13:Jes T,rt: may be applicable :0 your Account.ACCOUNT FEESP:e;:'ise set: T,e ?,d;:kiJ[)ifl Disclosure e n w n t for applicabili:y.::;nd a/flOun! t: t the 1.;i;C,'ilng te!!s.Annual Fee/Period i c Membership Feeii yOur Account is suc,ect :0 an Annual Fee or Perlvd .r>.temtJershi;> Fee 'lou :c pay this fee each 'leaf (or o!r,ereeriod::; assessrr.ent If ir.CJi::aied :)11 lhe Addi:iOl\ai Disclosure, ' ) ~ a : l ! m e y C ~ j r A:::::olJl1\ is open, or clmied '""ith a t a l a n ~ eY'::U agree !r1a: this fei! ',', iil be ~ h d ( g e d to jo'clIr A-;coIJfll.if siose ' ; : : ~ U f " l t ',vl:hin firs: 90 da y S Y':>ur AC:CUfl!is C p ~ O l ! ~ c ~ r . " " ; a j Fee !Perocl;c MembershIp Fea(s) arcrefw'dable 50 Io n" 3S 't'CU ha '/e nc-t used l!ie Acc::un: . TheAnnual Fee/Periodic Mr?lr:t:ership Fee . : a m p p . r . s a l ~ s HSBCGarlk J a , 1 a N A. ,r, 1":11' ' :.:; C i 1 f ' l r . l t ! ~ , l ; e r ;;e(ViCCS j)fOVI:Jr.(jcr made available :0 'i Ol i :hr')ughoul the member-:;hip year .A L3:e ?ayrnen: Ft;.:. .,; i l s s s ~ d fer eacr, billing c y ~ l e In '/,h i::ha: ieas! ale Mlnirr.t:fTj Payment , and "n y ;,rnnun: p.\:;! due, 1


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ACCOUNT RENEWAL. CLOSUREAND TERMINATION .Card RenewalCard:; are Issued 'Mth an expiratIOn da;e ' ...ie have the n g h ~ no! to rene'll yo w Card i o ~ any reascnClosing Your AccountYou car! dt;se your Ao:olln: t:::J l i r . g :c! 10 tJClnkruptcy or ~ o ! \ ' c n c i ' pro::ceJmgs: I.e !',:)u s l l ~ p l y US With r n i ~ t e a d i r . g fal;:e. incompletE: or !n::O:TeCi[r.brmallcn; (1 ) wa rEceivE! ;nfcr:;;?tir:.r. i r o ~ third ; ' : < J r : , e ~: ~ c ; h l c l : n : i credit iE:por.ing agenciE:s ",.:;-. r1 n:'! 'Gi:e ;. sene l.IS,1eil'lquen:;y or charge-ctf Wilh 0ihe! cr,1:i itr.;rs ; (9 ) yOU tal! !cn:Gvide u!; a physlca! ~ c i c 1 r l : s s (nl YOll exceea > : O l J cred it!Hrut: {h ".'Ol!! ~ a y r r l C i 1 t is r E ~ u r r , c d , i n s a ~ i ~ f c : d by ) : ~ ) ~ r t : : ' ~ : ' l ~ or:::r.er fir,anc:.,i institution for any r ~ o s o r . or G) any c:redi, card-:r.eck is rc!wned unpaid b, ' us . Upon defdul:, Ne have then ~ h ~ tc d0se ycur Account . 1!,,: . In addillor . we may USc &ny otr.erremedies p ~ r r l i H l C c t or o! r,erw ise avaHabie :0 liS . Ii the am01m} CJtir D e D D ~ .A.ccou:s: nct S ~ j f f tfH,re aH ; c = : t ~ i o : ~ sinc-urrea re iat!::j to VOLli A 'COlJ;-,i y ' J . aQree tc pay tfte a : T c , \ . . : ro'Ned \e us I m ' n ~ d i i 3 e l y . -CREDIT CARD FRAUDLost or Stoler. Credit Card or Account ChecksYOtl a g r t : . ~ e to nC!fty us ' m r n e a l a t ~ l y .f ) 'ul: f credit c.ti:-a elf.:::e:::iit c&rd c ~ e c k s . are ;0 S : or s!olP.f) . ', ' OlJ I T ' ~ a v f i o ~ ~ f " t; call ing , r ~ : ~ r J o n e !'"lurr.:e t d r : ~ : : ) ~ p . c Ui it,c A,.11n,c,nc1iDlsc!osure S : a ~ ~ m e n :Li ab ility fo r Unauthorized UseYou should retain ccpies ci ali c l 1 a r g ~ Siips I j n ~ i i yot.! rece;ve your$ ~ a : e m e r . : . at whicr: :JI'TY.! you srl:lu!:j verily :hnl the c t ; a r ~ t ' e s "Ireirue and tne: amoU:":ts i.mal;ercd You !11;} / hnb!e c r trlunau:ijorized use ...... c . r c d i ~ ca!Q YCu v.riii n o ~ be H a t ; ~ e !c ru'1:lu!twrized US!? tt:ar occurs a!\er vou nc:ifv us of the 105S. : h e ~cr possibi!: uilCluth-::Jtizec usc No:ilic;lUGn r.l;,JS: bE given eir,'1erty .writ ing us immedialely upcn leami;')g of the i : ) ~ s the!'. orpOSSible unall!horized use or calling us a: the tell"pr.one numberl i S : ~ 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,! usimmedmtely- 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 Thead:jress r,o.if,. ~ I S of unauihorized l.'Se of your ciedi: c ( . ~ , j isdisdcsed in the Ad:1ltionar DI5o:Iosure S : a : e r n ~ n < . You 1'10)' aisccal! lIS a: r ~ \ e telephone n"lmber listed on j:Jur bitiing s:atemem

Change ot Name . Address. Telephone Numberor EmploymentYou agree to give us pl omp: !'\G;;CE of a')}, :i-,c.!-'';E: 11\ YQU; n::;m"!1",:a.:ting a ' d r ~ ~ :c!epr.cn!! number ; t C F . Of E ; - n ~ f 0 r r . ~ n ~


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Updated Financial and Other InformationUp.:r. r",ques: '>n;; agree :0 promptly g ive us .. :c,;ra:ef'0ancia! ilr.d o ~ h e : r : 1 o ~ m a ~ l c r . abcit " u ( s e r tCredit ReportingIf you fall :0 iulfill th(: terms of your aecit obligatiC;\ i\ . negativereport refleCting en your credl: record ma .. be SuOmiiteO l(.) acredit r e p O I 1 I 1 ~ agency 11 any specif\c. infrx:Th..rion retal!'!:: !( )your Accoun: t r a n s a ~ t l o n ~ or crer.lii !!xpenenca With uS ISm a C ~ L J r a : e you ma '. nO:I!y lI5 to correel the inaccuratein formation Caner C o r \ f t r m a ~ I 0 1 " cf me an!!g-d error"i r e p o r t ~ d toa r,: r . r ~ d ; ! re60nino arm:r,: t ) !a I J P h c a t a ! f : to ; l l ~ . A . c ~ o u r ; : 7hls pro ... :sion sh ":i appiV to an\' Clc;;m a - J a i n ~ : usLlitrj :0 eacr o: of O'J i pari!n:s . subs;d;ancs, a H i i any:-...c;nna:"!y~ r : , : - , , ' i :i ; a r d s fea:dre Ir: ~ J n ' u n c t ... i a ~ ~ a r e e r : l r ~predecessors. S l I C ~ e S $ o r s and assigns. and each of the ircffi::er!". jiieC!ors. aqer.:s . af':;: empioyees . You agree


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PARTIES HEREBY KNOWINGLY AND VOLUNTARILYWAIVE THEIR RIGHTS TO UTICAiE SUCH CLAIMS IN ACOURT BEFORE A JUDGE OR JURY UPON ELECTION OFARBITRATION 8Y EIiHER PARTY.You mar ::;onta-:t o b ~ a l i " ' the arbi:ra!ior. r:;les ot, or file a Claim, ~ - t i ! NAF-, AM or JAMS as foliuw!:' : .Nationa! Arb,!ratior, Forum ,IAl\\Sp.e Bo7. 50191 6rwd 'wayMinneapulis. MN 554[)5 New Ycr\.; . NY 1Q005'I-N/IN arb-forum .crg ' INNJ jamsarir .comC n ~ l c oi Procedure Flrianciai Services

A r b : ! r a ~ a n Rulesan:i Pro:;edure5America!", .Mbitratlcr. A ! : ' s c c a ; i ~ t1 ISO C o n r ; e ! : l i : : . u ~ Ave N'/J 6:h f icorWashington. DC 2;)036 ..11)4V:W'N .actr .eraArb :;ration Kuies for Consumer~ p u r e S l , ~ i a i m ~ unj[: : S1?,OG '" }COmrTH!!'Clai a t ! 0 : i R : t ! ~ :ai! o:t.er cfairns j.

Assignment of Account'/'ie may seJ :. a S ~ i g r : c r t:"iiGsfer y:):tJr A e e r \ 1 t ! n : an d ,t\ . , " . ' ~ i v e the sam!?righr in c :her s iL ia tjCnS5 everabillWl! a n ~ ' r r,:;;;;SIGn O! : t - , t ~ A g r E ~ m e r fina:!, dEnerm!ned to cr' YCijor um: n!.:.'rceablc under a,,;. ;a"";. rule 0, f C . ' ~ u ! a : i c .. , al: Ofr,erpro . sior.s .J! tr,IS , A . g r e ~ m e n : wiii remat" valaj and e n f m c e a b hApplicable LawTI1:!:o Amcemer.: and yo ,;, A . : c r ; l I n \': :li t',!? povcrned by f p . d ~ r aI

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HSBC Agreement