Common use of OTHER IMPORTANT ACCOUNT INFORMATION Clause in Contracts

OTHER IMPORTANT ACCOUNT INFORMATION. Authorized Users If you request, we may issue cards to other people to allow others to use your Account. Authorized Users can purchase items, take cash advances and in general use your Account in the same ways as you can. You are responsible to pay for any use of your Account by an Authorized User or anyone else that you permit to use your Account. We may provide information about this Account to credit reporting agencies for both the Account owner and any Authorized Users. If you wish to revoke an Authorized User’s access to your Account, please call us. We may close your Account and open a new Account with a different account number. Authorized Users are not permitted on HSBC Cash Rewards Mastercard® credit card Student Accounts.. Charges made in a foreign currency Transactions made in a foreign currency will be converted by Mastercard® Currency Converter into a U.S. dollar amount in accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction or posting date. Mastercard® may change the procedures, from time to time, at its own discretion. Updating your Account Information Notify us if you change any of your contact information (such as address, name, email and/or phone number) by calling the phone number on your billing statement or on the back of your credit card. We may update your billing address if we receive information from USPS that it has changed or is incorrect. Voice Call/Text Messaging Communications By providing your phone number(s), you give our affiliates, our service providers and us permission to contact you by voice call or by text message (SMS), either using an autodialing system and/or using prerecorded voice. You do not need to agree to receive these calls or texts in order to receive HSBC products or services. You may opt out of receiving autodialed or prerecorded calls or texts by calling us at the phone number on your billing statement or on the back of your credit card. Should you provide a phone number for which you are not the subscriber, you understand and agree that you will indemnify us for any and all costs and expenses incurred as a result of us trying to contact you at the number provided. Costs and expenses include reasonable attorney’s fees. We may monitor and record calls for training and quality assurance purposes. Account Closure You may request to close your Account at any time by calling the number on the back of your Card or mailing your request to the “Billing Inquiries” address noted on your billing statement. At any time, for any reason, HSBC may take any of these actions subject to applicable law: • close your Account; • suspend your access to new credit; • reduce your credit limit; and/or • not renew your Card. Once your Account is closed by you or HSBC, please destroy all card(s) and any unused checks. You will no longer be able to make transactions. You will still be responsible for all amounts owed according to the terms of this Agreement. If you are enrolled in a Rewards Program, you will forfeit all your Rewards Program Points earned as of the date the Account is closed. Account Default Your Account will be in default if:

OTHER IMPORTANT ACCOUNT INFORMATION. Authorized Users If you request, we may issue cards to other people to allow others to use your Account. Authorized Users can purchase items, take cash advances and in general use your Account in the same ways as you can. You are responsible to pay for any use of your Account by an Authorized User or anyone else that you permit to use your Account. We may provide information about this Account to credit reporting agencies for both the Account owner and any Authorized Users. If you wish to revoke an Authorized User’s access to your Account, please call us. We may close your Account and open a new Account with a different account number. Authorized Users are not permitted on HSBC Cash Rewards Mastercard® credit card Student Accounts.. . Charges made in a foreign currency Transactions made in a foreign currency will be converted by Mastercard® Currency Converter into a U.S. dollar amount in accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction or posting date. Mastercard® may change the procedures, from time to time, at its own discretion. Updating your Account Information Notify us if you change any of your contact information (such as address, name, email and/or phone number) by calling the phone number on your billing statement or on the back of your credit card. We may update your billing address if we receive information from USPS that it has changed or is incorrect. Voice Call/Text Messaging Communications By providing your phone number(s), you give our affiliates, our service providers and us permission to contact you by voice call or by text message (SMS), either using an autodialing system and/or using prerecorded voice. You do not need to agree to receive these calls or texts in order to receive HSBC products or services. You may opt out of receiving autodialed or prerecorded calls or texts by calling us at the phone number on your billing statement or on the back of your credit card. Should you provide a phone number for which you are not the subscriber, you understand and agree that you will indemnify us for any and all costs and expenses incurred as a result of us trying to contact you at the number provided. Costs and expenses include reasonable attorney’s fees. We may monitor and record calls for training and quality assurance purposes. Account Closure You may request to close your Account at any time by calling the number on the back of your Card or mailing your request to the “Billing Inquiries” address noted on your billing statement. At any time, for any reason, HSBC may take any of these actions subject to applicable law: • close your Account; • suspend your access to new credit; • reduce your credit limit; and/or • not renew your Card. Once your Account is closed by you or HSBC, please destroy all card(s) and any unused checks. You will no longer be able to make transactions. You will still be responsible for all amounts owed according to the terms of this Agreement. If you are enrolled in a Rewards Program, you will forfeit all your Rewards Program Points earned as of the date the Account is closed. Account Default Your Account will be in default if: