Common use of Military Lending Act Clause in Contracts

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 ACCOUNT OPENING TABLE HSBC Premier World Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.99% to 21.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 17.99% to 21.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 27.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 06/2020 CARDMEMBER AGREEMENT – (PART 2 OF 2) – ACCOUNT OPENING TABLE HSBC Premier World Cash Rewards Mastercard® credit card Student Account Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.9913.99% to 21.99%, based on your credit worthiness. These APRs 18.99% This APR will vary with the market market, based on the Prime Rate. APR for Balance Transfers 17.9913.99% to 21.9918.99%, based on your credit worthiness. These APRs This APR will vary with the market market, based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.9929.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 06/2020 CARDMEMBER AGREEMENT – (PART 2 OF 2) – ACCOUNT OPENING TABLE HSBC Premier World Cash Rewards Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.990% Introductory APR will apply for the first 12 months from Account opening. After that, your APR will be 13.99% to 21.99%, 23.99% based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 17.990% Introductory APR will apply for the first 12 months from Account opening. Balance transfers must be posted within the first 60 days following Account opening. After that, your APR will be 13.99% to 21.9923.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.9929.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 None Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details. Loss of Introductory APRs: We may end your Introductory APRs and apply the Penalty APR if you make a late payment that is more than 60 days late. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement Part 1 of 2. All rates disclosed below are as of 06/01/2020. Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 06/01/2020. How We Calculate Your Variable Rates: Your APRs are equal to the U.S. Prime Rate plus the following Spreads: Purchase APR: 10.74%; Balance Transfer APR: 10.74%; Cash Advance APR: 21.74%; Penalty APR: 26.74%. Daily Periodic Rates Used to Calculate Your Interest: Introductory Purchase DPR: 0%, Non-Introductory Purchase DPR: 0.03833% - 0.06573%, Introductory Balance Transfer DPR: 0%, Non-Introductory Balance Transfer DPR: 0.03833% - 0.06573%, Cash Advance DPR: 0.06847%, Penalty DPR: 0.08216%. HSBC Deposit Products are offered in the U.S. by HSBC Bank USA, N.A., Member FDIC.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 01/2021 ACCOUNT OPENING TABLE HSBC Premier Elite World Elite Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.9914.99% to 21.9918.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 17.9914.99% to 21.9918.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.9929.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $395; each authorized user $65 per year $0 For customer who have a qualifying U.S. HSBC Jade or Private Bank account relationship1 Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 06/2020 CARDMEMBER AGREEMENT – (PART 2 OF 2) – ACCOUNT OPENING TABLE HSBC Premier World Advance Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.990% Introductory APR will apply for the first 12 months from Account opening. After that, your APR will be 14.99% to 21.99%, 18.99% based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 17.990% Introductory APR will apply for the first 12 months from Account opening. Balance transfers must be posted within the first 60 days following Account opening. After that, your APR will be 14.99% to 21.9918.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.9929.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 Annual Fee during first year of Account opening $0 For HSBC Advance Mastercard® credit card Account customers who have a qualifying U.S. HSBC Advance or Premier checking account relationship. $45 For HSBC Advance Mastercard® credit card Account customers who no longer have a qualifying U.S. HSBC Advance or Premier checking account relationship. Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details. Loss of Introductory APRs: We may end your Introductory APRs and apply the Penalty APR if you make a late payment that is more than 60 days late. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement Part 1 of 2. All rates disclosed below are as of 06/01/2020. Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 06/01/2020. How We Calculate Your Variable Rates: Your APRs are equal to the U.S. Prime Rate plus the following Spreads: Purchase APR: 11.74%; Balance Transfer APR: 11.74%; Cash Advance APR: 21.74%; Penalty APR: 26.74%. Daily Periodic Rates (“DPR”) Used to Calculate Your Interest: Introductory Purchase DPR: 0%, Non-Introductory Purchase DPR: 0.04107% - 0.05203%, Introductory Balance Transfer DPR: 0%, Non-Introductory Balance Transfer DPR: 0.04107% - 0.05203%, Cash Advance DPR: 0.06847%, Penalty DPR: 0.08216%. 1,2Premier (which includes Jade) and Advance Relationship Status: If your relationship with HSBC Bank USA, N.A. no longer meets the requirements, we will assess the disclosed Annual Fee. If you do not want to pay the Annual Fee, please contact us to discuss other options. HSBC Deposit Products are offered in the U.S. by HSBC Bank USA, N.A., Member FDIC.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the The costs associated with the credit insurance premiumspremiums (if any); fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions trans- actions or accounts); and any participation fee charged (other than certain participation participa- tion fees for a credit card account). To hear this disclosure over the phoneFor more information, please call our tollcontact Central One Federal Credit Union at 000-free number, 866.258.9078000-0000. 10/2022 ACCOUNT OPENING TABLE HSBC Premier World Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.9913.24% to 21.99%or 14.24% when you open your account, based on your credit worthinesscreditworthiness. These APRs After that, your APR will vary with the market based on the Prime Rate. APR for Balance Transfers 17.99% to 21.99%, based The APR for Balance Transfers is the same as the APR for purchases as described on your credit worthiness. These APRs will vary with the market based on the Prime Ratethis table. APR for Cash Advances 27.99% This The APR will vary with for Cash Advances is the market, based same as the APR for purchases as described on the Prime Ratethis table. Penalty APR and When it Applies 32.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make These cards do not carry a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further detailspenalty rate. Paying Interest Your due date is 25 days after the close of each billing cycle. We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, entire balance by the due date each month. We will charge begin charging interest on cash advances, balance transfers Cash Advances and check transactions Balance Transfers on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Foreign Transaction $0 $0 Either $10 1% for currency conversion or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written 0.8% for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amountnon-currency conversion. Penalty Fees • Late payment Over-the-Credit Limit Returned Payment • Return Payment Up to $39 Up to 29 (after the second day) $39 29 $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See Billing Rights: Information on your Cardmember Agreement rights to dispute transactions and how to exercise those rights is provided below. The information about the cost of the card described on this application was printed on 9/22/2022 and was accurate as of that date, but is subject to change after that date. You should call the credit union at 000-000-0000 or write to: Central One Federal Credit Union, 000 Xxxx Xxxxxx, Xxxxxxxxxx, XX 00000 for more detailsany changes in the information about the cost of the card since the time of printing.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 06/2020 CARDMEMBER AGREEMENT – (PART 2 OF 2) – ACCOUNT OPENING TABLE HSBC Premier World Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.9914.99% to 21.99%, based on your credit worthiness. These APRs 18.99% This APR will vary with the market market, based on the Prime Rate. APR for Balance Transfers 17.9914.99% to 21.9918.99%, based on your credit worthiness. These APRs This APR will vary with the market market, based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.9929.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 Annual Fee during first year of Account opening $0 For HSBC Premier World Mastercard® credit card Account customers who have a qualifying U.S. HSBC Premier checking account relationship. $95 For HSBC Premier World Mastercard® credit card Account customers who no longer have a qualifying U.S. Premier checking account relationship. Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 ACCOUNT OPENING TABLE HSBC Premier Elite World Elite Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.99% to 21.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 17.99% to 21.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 27.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $395; each authorized user $65 per year $0 For customer who have a qualifying U.S. HSBC Jade or Private Bank account relationship1 Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 06/2020 CARDMEMBER AGREEMENT – (PART 2 OF 2) – ACCOUNT OPENING TABLE HSBC Premier World Gold Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.990% Introductory APR will apply for the first 18 months from Account opening. After that, your APR will be 13.99% to 21.99%, 23.99% based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 17.990% Introductory APR will apply for the first 18 months from Account opening. Balance transfers must be posted within the first 60 days following Account opening. After that, your APR will be 13.99% to 21.9923.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 None Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, % whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, % whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up $0 for first missed payment within a 12 month* calendar period. After that, up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details. Loss of Introductory APRs: We may end your Introductory APRs and apply the Standard APR if you make a late payment that is more than 60 days late. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement Part 1 of 2. Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 06/01/2020. *Calendar year commences on January 1 and ends on December 31. How We Calculate Your Variable Rates: Your APRs are equal to the U.S. Prime Rate plus the following Spreads: Purchase APR: 10.74%; Balance Transfer APR: 10.74%; Cash Advance APR: 21.74%. Daily Periodic Rates Used to Calculate Your Interest: Introductory Purchase DPR: 0%, Non-Introductory Purchase DPR: 0.03833% - 0.06573%, Introductory Balance Transfer DPR: 0%, Non-Introductory Balance Transfer DPR: 0.03833% - 0.06573%, Cash Advance DPR: 0.06847%.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 06/2020 CARDMEMBER AGREEMENT – (PART 2 OF 2) – ACCOUNT OPENING TABLE HSBC Premier World Advance Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.990% Introductory APR will apply for the first 12 months from Account opening. After that, your APR will be 14.99% to 21.99%, 18.99% based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 17.990% Introductory APR will apply for the first 12 months from Account opening. Balance transfers must be posted within the first 60 days following Account opening. After that, your APR will be 14.99% to 21.9918.99%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.9929.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 Annual Fee during first year of Account opening $0 For HSBC Advance Mastercard® credit card Account customers who have a qualifying U.S. HSBC Advance or Premier checking account relationship. $45 For HSBC Advance Mastercard® credit card Account customers who no longer have a qualifying U.S. HSBC Advance or Premier checking account relationship. Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details. Loss of Introductory APRs: We may end your Introductory APRs and apply the Penalty APR if you make a late payment that is more than 60 days late. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement Part 1 of 2. All rates disclosed below are as of 06/01/2020. Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 06/01/2020. How We Calculate Your Variable Rates: Your APRs are equal to the U.S. Prime Rate plus the following Spreads: Purchase APR: 11.74%; Balance Transfer APR: 11.74%; Cash Advance APR: 21.74%; Penalty APR: 26.74%. Daily Periodic Rates (“DPR”) Used to Calculate Your Interest: Introductory Purchase DPR: 0%, Non-Introductory Purchase DPR: 0.04107% - 0.05203%, Introductory Balance Transfer DPR: 0%, Non-Introductory Balance Transfer DPR: 0.04107% - 0.05203%, Cash Advance DPR: 0.06847%, Penalty DPR: 0.08216%. 1,2Premier (which includes Xxxx) and Advance Relationship Status: If your relationship with HSBC Bank USA, N.A. no longer meets the requirements, we will assess the disclosed Annual Fee. If you do not want to pay the Annual Fee, please contact us to discuss other options. HSBC Deposit Products are offered in the U.S. by HSBC Bank USA, N.A., Member FDIC.

Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account). To hear this disclosure over the phone, please call our toll-free number, 866.258.9078. 10/2022 06/2020 CARDMEMBER AGREEMENT – (PART 2 OF 2) – ACCOUNT OPENING TABLE HSBC Premier World Elite Mastercard® credit card Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases 17.9914.99% to 21.99%, based on your credit worthiness. These APRs 18.99% This APR will vary with the market market, based on the Prime Rate. APR for Balance Transfers 17.9914.99% to 21.9918.99%, based on your credit worthiness. These APRs This APR will vary with the market market, based on the Prime Rate. APR for Cash Advances 27.9924.99% This APR will vary with the market, based on the Prime Rate. Penalty APR and When it Applies 32.9929.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your Account if you: (1) Make a late payment; or, (2) Make a payment that is returned. How Long Will The Penalty APR Apply?: If your APRs are increased for either of the above reasons, the Penalty APR may apply indefinitely. Please refer to your Cardmember Agreement Part 1 of 2 for further details. Paying Interest We will not charge interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month. We will charge interest on cash advances, balance transfers and check transactions on the transaction date. See Section 7 of your Cardmember Agreement for more details. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fee $0 395; each authorized user $65 per year Transaction Fees • Balance Transfer • Check • Cash Advance • Overdraft Transaction Either $10 or 4%, whichever is greater, will apply on each balance transfer. Either $10 or 4%, whichever is greater, will apply on each check written for purposes other than a balance transfer. Either $10 or 5%, whichever is greater, will apply on each cash advance transaction. Either $10 or 5%, whichever is greater, will apply on the overdraft amount. Penalty Fees • Late Payment • Return Payment Up to $39 Up to $39 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardmember Agreement for more details.