www.Orchardbank.com

Orchardbank

October 10th, 2009

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 with different terms and conditions which will be disclosed before your application is processed.

Orchardbank
All rates are accurate as of March 12, 2009. Offer subject to credit approval.We apply payments to lower APR balances before higher APR balances. This means balances subject to higher APRs will not be reduced before balances subject to lower APRs, such as Introductory or Promotional APRs, are paid off. The application of payments and Minimum Finance Charge may reduce the duration and benefit of any Introductory or Promotional rate offer.

Rates and Fees Specific to Unsecured Credit Cards:
You may qualify for the 0% Introductory APR on purchases and balance transfers, based on your creditworthiness. The Introductory APR does not apply to cash advances. After the Introductory period ends, the variable Customary purchase APR will apply, which is currently between 9.90% and 15.99%. If during the Introductory period a Minimum Payment is past due or your account exceeds the credit limit, the Introductory APR will increase to the Customary purchase APRs. The Annual Fee is between $0 and $79, and the Processing Fee is between $0 and $49, depending upon your creditworthiness.

Rates and Fees Specific to Secured Credit Cards:
The variable Customary APR is 7.9%. 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 Customary APR is 21.90%. The variable Default APR is 29.49%. Unless otherwise disclosed, a Cash Advance Fee of 5% ($10 minimum) will apply to balance transfers, including credit card checks, if available, and cash advances; a 5% ($20 minimum) Cash Advance Fee will apply to all other cash advances. The Minimum Finance Charge is $1. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.

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

Certain optional products and services you select, such as Rush Delivery (if available), may have an adverse impact on the credit line you are assigned. If you select Rush Delivery, a fee will apply.

This credit card is issued by HSBC Bank Nevada, N.A. and is serviced by HSBC Card Services Inc. and/or HSBC Card Services (II) Inc.

MasterCard is a registered trademark of MasterCard International, Incorporated.

Orchardbank

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