Orchard Bank Credit Card

Experience the Buying Power and Convenience of an Orchard Bank Credit Card.

With our Credit Card Selector, you supply the information required to pre-qualify for a credit card offer. We then provide a recommendation for a credit card that best fits your needs before you start the application process. Once you’ve reviewed our recommendation, you can then choose to apply for your custom fit credit card.

A great APR on purchases for people rebuilding their credit.

Now the Orchard Bank® MasterCard® designed for people seeking to rebuild their credit not only comes with one of the lowest APRs available, it also has:

* Flexible payment options—you choose the payment date!
* 100% Fraud liability Protection for safe, secure purchases
* The buying power and prestige of MasterCard, accepted at 20 million locations

This card comes as either Platinum, Gold, Classic, or Secured, and with our pre-qualification process,
you’ll know in as little as 60 seconds which card offer best fits your credit profile.

It is our goal to offer you the credit card that best fits your credit profile. You may be offered a secured credit card with other terms and conditions, which will be disclosed before your application is processed.

All rates are accurate as of October 15, 2008. Offer subject to credit approval.

Rates and Fees Specific to Unsecured Credit Cards:
The variable Customary APR for credit card purchases will be 8.9%. The Annual Fee will charged at a rate between $5 and $8 every billing cycle as a Periodic Membership Fee. The total annualized amount is between $60 and $96, depending on your creditworthiness. Depending upon creditworthiness, a Processing Fee between $0 and $49 could apply.

Rates and Fees Specific to Secured Credit Cards:
The Secured Card variable Customary APR will be 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 Cash APR will be 21.90%. The variable Default APR will be 29.49%. A cash advance fee of 5% ($5 minimum) will apply to balance transfers, if available, and cash advances, unless otherwise disclosed. 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.

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.

This credit card is 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.

Orchard Bank Low APR Cards	The Orchard Bank Low APR Cards come with an amazing 8.90% variable purchase APR, and are designed for people seeking to rebuild their credit. They also come with great benefits that fit the needs of managing an account easily. Online access to Account Management Tools so you can manage your account 24/7. Your choice of payment due dates to make paying your bill on time easier. Email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment. Introductory APR and Duration : None Customary APR on Purchases and Balance Transfers : Variable 8.90% or Variable 7.90% for Secured Default APR : Variable 29.49% Annual Fee : $5 - $8 per month Other Fees to Open Account : $0 - $49 Processing Fee
Orchard Bank Low APR Cards with an Interest Rebate	The Orchard Bank Low APR Cards come with an amazing 8.90% variable purchase APR, and are designed for people seeking to rebuild their credit. Plus, when you make at least your minimum payment on time each month for 6 months and stay within your credit limit, we’ll credit your account any finance charges charged on purchases during that priod. Get an Interest Rebate for periodic finance charges charged on purchases for the first 6 months.* Your choice of payment due dates to make paying your bill on time easier. Email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment. Introductory APR and Duration : None Customary APR on Purchases and Balance Transfers : Variable 8.90% or Variable 7.90% for Secured Default APR : Variable 29.49% Annual Fee : $5 - $8 per month Other Fees to Open Account : $0 - $49 Processing Fee
Orchard Bank Classic Cards	If you’re looking for a card with built in benefits you can use on a daily basis and that provides you with the opportunity to establish better credit at the same time, you may be interested in the the Orchard Bank Classic Cards. Over the years, millions of people have used this group of cards to build their credit history. Acceptance at millions of locations worldwide, including website purchases and reservations. Your account information is updated and at your fingertips 24/7 so you can manage it your way. Email and text messages to remind you of your upcoming payment due date with online enrollment. Introductory APR and Duration : N/A Customary APR on Purchases and Balance Transfers : Variable 8.90% or Variable 7.90% for Secured Default APR : Variable 29.49% Annual Fee : $0 - $79 Other Fees to Open Account : $0 - $49 Processing Fee
Orchard Bank Secured MasterCard®	The Orchard Bank Secured MasterCard is an excellent card for establishing or rebuilding credit in your name. It comes with a low 7.90% variable purchase APR, and the first year’s annual fee will be waived. The ability to make online purchases or reservations, and access to manage your account 24/7. Your choice of payment due dates to make paying your bill on time easier. Email alerts to remind you of your upcoming payment due date when you enroll your account online. Introductory APR and Duration : N/A Customary APR on Purchases and Balance Transfers : Variable 8.90% or Variable 7.90% for Secured Default APR : Variable 29.49% Annual Fee : $35, waived the first year Other Fees to Open Account : $0 - $49 Processing Fee

To apply credit cards online, go to http://www.orchardbank.com/ecare/homepage/creditcards?WT.svl=200

For more information contact
HSBC Card Services, Inc.
1441 Schilling Place
Salinas, CA 93912