Our goal is 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 with different terms and conditions. This will be disclosed to you before your application is processed.

CARD TYPE	INTRODUCTORY APR	PURCHASE APR	PROCESSING FEE	ANNUAL FEE
Platinum	n/a	14.90%-28.90%	$0	$39-$74
Gold	n/a	14.90%-28.90%	$19-$39	$35-$60 the first year $74-$79 per year thereafter
Standard	n/a	28.90%	$39	$35 the first year $74 per year thereafter
Secured	n/a	7.90%	$200 minimum security deposit	$35, waived the first year

^ All rates are accurate as of 6/30/2010.

Rates and Fees Specific to Unsecured Credit Cards:

The variable Purchase APR will apply to credit card purchases, which is currently between 14.90% and 28.90%, depending upon your creditworthiness. The variable Balance Transfer APR is between 14.90% and 28.90%, depending upon your creditworthiness, and applies to balance transfers and credit card checks, if available, unless otherwise disclosed. Your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The Annual Fee is between $35 and $74 the first year and between $39 and $79 per year thereafter, depending upon your creditworthiness, and a Processing Fee be between $0 and $39 will apply, depending upon your creditworthiness.

Rates and Fees Specific to Secured Credit Cards:

The variable Purchase APR is 7.90% and applies to credit card purchases. The variable Balance Transfer APR is 7.90% and applies to balance transfers and credit card checks, if available, unless otherwise disclosed. An Annual Fee of $35 will apply and will be waived the first year. The Processing Fee is $0. Minimum $200 security deposit required.

Rates and Fees for All Unsecured and Secured Credit Cards:

The variable Cash APR is 20.90%. The variable Penalty APR is 29.49%. A Balance Transfer Fee of 5% ($5 minimum) will apply to balance transfers, if available, including credit card checks. A 5% ($5 minimum) Cash Advance Fee will apply to cash advances, unless otherwise disclosed. The Minimum Interest Charge is $1. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.

This credit card is issued by HSBC Bank Nevada, N.A. and is serviced by its affiliate HSBC Card Services Inc.

Visa is a registered trademark of Visa International Service Association.

Privacy/Security

HSBC Bank Nevada, N.A. is committed to safeguarding your privacy online. If you would like more details, please visit our Privacy and Security Information at orchardbank.com.

HSBC Card Services, Inc.
1441 Schilling Place
Salinas, CA 93912