Common use of Your Rights If You Are Dissatisfied With Your Credit Card Purchases Clause in Contracts

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The purchase must have been made in your home State or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 While we investigate, the same rules apply to the disputed amount as decision. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The 1. The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAUnited States Senate Federal Credit Union National Capitol Station P.O. Box 77920 Washington, N.A. XX Xxx 0, Xxxxxxx, XX 00000 DC 20013-8920 While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The purchase must have been made in your home State or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0PO Box 9, XxxxxxxBuffalo, XX 00000 NY 14240 While we investigate, the same rules apply to the disputed amount as decision. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that have you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, right all of the following must be true: •The  The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $5050.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You  You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAVantiv Customer Service PO Box 672051 Dallas, N.A. XX Xxx 0, Xxxxxxx, XX 00000 TX 75267-2021 While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The • The purchase must have been made in your y our home State or state within 100 miles of your current mailing address, and the purchase price must have been more than $50. (NoteNOTE: Neither Nether of these are necessary if your purchase was based on an advertisement advertisement, we mailed to you, or if we own the company that sold you the goods or services.) •You ). • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 [or electronically] at the address listed above or electronically at xxx.xxxx.xxx. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The 1) the purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); 2) •You you must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You ; and 3) you must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAFirst Electronic Bank, N.A. XX Xxx 0PO Box 760, XxxxxxxDraper, XX 00000 Utah 84020. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, pay we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit cardcard or Account, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The (1) The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary These limitations do not apply if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You (2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You (3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAat Card Services, N.A. XX X.X. Xxx 0000000, XxxxxxxXxxxxxxx, XX 00000 00000-0000. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The • The purchase must have been made in your home State or state within 100 miles of your current mailing address, and the purchase price must have been more than $50. (NoteNOTE: Neither Nether of these are necessary if your purchase was based on an advertisement advertisement, we mailed to you, or if we own the company that sold you the goods or services.) •You ). • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 [or electronically] at the address listed above or electronically at xxx.xxxx.xxx. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit cardCard, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The • The purchase must have been made in your home State or within 100 miles mile of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You • You must have used your credit card Card for the purchase. Purchases Purchase made with cash advances from form an ATM or with a check that accesses your credit card account Card Account do not qualify. •You • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX SECURITYPLUS FEDERAL CREDIT UNION X.X. Xxx 0, Xxxxxxx0000 Xxxxxxxxx, XX 00000 While we investigate, the same rules apply to the disputed amount as decision. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.00000-0000

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, Card and you have tried in good faith to correct the problem with the merchant, you may have the right to not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The (1) The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. 50 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); (2) •You You must have used your credit card Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account Card do not qualify. •You ; (3) You must not yet have fully paid for the purchase. purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAat the address shown on your bill after the phrase, N.A. XX Xxx 0, Xxxxxxx, XX 00000 “Send Inquiries To.” While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.. (Document Ref. No. M-110464)

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The 1) the purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); 2) •You you must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You ; and 3) you must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAFirst Electronic Bank, N.A. XX Xxx 0PO Box 521271, XxxxxxxSalt Lake City, XX 00000 Utah 84152-1271. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The 1. The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 at the above address. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 17.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The • The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USACustomer Service TA-24, N.A. XX Xxx 0PO Box 4521, XxxxxxxCarol Stream, XX 00000 IL 60197 While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit cardcard or Account, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The (1) The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary These limitations do not apply if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You (2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You (3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAat Card Services, N.A. XX X.X. Xxx 0000000, XxxxxxxXxxxxxxx, XX 00000 00000- 2477. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The • The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 at the above address. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The ⦁ The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You ⦁ You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You ⦁ You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 at the address for billing inquiries and correspondence shown on the front of your billing statement. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The 1. The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USAAchieva Credit Union P.O. Box 2650 Largo, N.A. XX Xxx 0FL, Xxxxxxx, XX 00000 33779-9978 While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, pay we may report you as delinquent. This Agreement constitutes the entire agreement of the parties and supersedes all prior communications, understandings and agreements relating to the subject matter hereof, whether oral or written.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The 1) The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); 2) •You You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You ; and 3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: HSBC Bank USACHS Inc., N.A. XX Attn: CHS Payment Solutions, X.X. Xxx 000000, XxxxxxxXx. Xxxx, XX 00000 Minnesota 55164-0089, or xxx.Xxxxx.xxx and click on CONTACT US, and click the email address xxxxxxxxxxxxxx@xxxxxx.xxx. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The  The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You  You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 at the above address. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The • The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 at the address for billing inquiries and correspondence shown on the front of your billing statement. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that have you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, right all of the following must be true: •The • The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $5050.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Solvay Bank USACustomer Relations PO Box 19050 Syracuse, N.A. XX Xxx 0, Xxxxxxx, XX 00000 NY 13209-4050 While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you You are dissatisfied with the goods or services that you You have purchased with your Your credit card, and you You have tried in good faith to correct the problem with the merchant, you You may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The The purchase must have been made in your Your home State state or within 100 miles of your Your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your Your purchase was based on an advertisement we We mailed to youYou, or if we We own the company that sold you You the goods or services.) •You You must have used your Your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your Your credit card account Account do not qualify. •You You must not yet have fully paid for the purchase. If all of the criteria above are met and you You are still dissatisfied with the purchase, contact us Us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 While we investigate, or electronically at the same rules apply to the disputed amount as decision. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquentaddress listed on Your statement.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase pur- chase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You You must have used your credit card for the purchasepur- chase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied dis- satisfied with the purchase, contact us in writing or electronically at: HSBC Bank USAEmpower Federal Credit Union 1 Member Way Syracuse, N.A. XX Xxx 0, Xxxxxxx, XX 00000 NY 13212 xxx.xxxxxxxxxx.xxx While we investigate, the same rules apply to the disputed amount as decision. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquentdiscussed above.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: •The  The purchase must have been made in your home State state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) •You  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. •You  You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: HSBC Bank USA, N.A. XX Xxx 0, Xxxxxxx, XX 00000 or electronically at the address listed below. While we investigate, the same rules apply to the disputed amount as decisiondiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.. 0000 Xxxxxxx Xxx Cincinnati, OH 45214 513.381.3070 or 800.582.7536