increases your epense or limits the use of your Debit Mastercard® card or ATM Card at least days before the change becomes effective by written notice to you at the last address we have for your Checking Account.

C. Who May Use Your Debit Mastercard® card or ATM Card. You acknowledge that the Debit Mastercard® card or ATM Card can only be issued to you and any oint accountholder(s) for your Checking Account, as specified at account opening, and that your Savings Account must be held by the same accountholder(s) in order to be accessed by your Debit Mastercard® card or ATM Card. You and the oint accountholder(s) (if any) are the only ones authoried to use the Debit Mastercard® card(s) or ATM Card(s) issued for your Checking Account. You agree that by disclosing your PIN to someone, you are authoriing them to use your Debit Mastercard® card or ATM Card in the same manner that you can use your Debit Mastercard® card or ATM Card. If your Checking Account is a oint account that reuires two or more signatures, it cannot be designated as your Checking Account for use with the Debit Mastercard® card or ATM Card.

Please notify us immediately if your Card is lost or stolen, or if there are, or you suspect there may be, any unauthorized use of your Debit Mastercard® card or ATM Card or Personal Identification Number (PIN) or any error or improper activity shown on your statement for either your Checking Account or Savings Account. To notify us: call toll free 800-462-1874 or 716-841-4880 (24 hours/seven days a week).

Information regarding your liability for unauthorized EFT transactions is contained in the Electronic Banking Services Information Statement.

D. Refusal of Debit Mastercard® card or ATM Card; Terminal Failure. e have no responsibility for the failure of any ATM, participating merchant, financial institution or other party to accept your Debit Mastercard® card or ATM Card. e will not be liable if an electronic terminal fails to function for any reason, whether or not this malfunction is known to us, nor will we be liable if your Debit Mastercard® card or ATM Card has been reected or confiscated, either at an electronic terminal or through a merchant or financial institution, if previously reported lost or stolen and you attempt to use it.

E. Disputes. You agree to use your best efforts to settle all disputes about purchases you made using the Debit Mastercard® card or ATM Card with the merchant who honored the Debit Mastercard® card or ATM Card.

F. Debit Mastercard® card or ATM Card Ownership. All Debit Mastercard® cards or ATM Cards are the property of HSBC Bank USA, N.A., alden Ave., Depew, New York . You must return the Debit Mastercard® card or ATM Card to us when we ask you.

G. No Overdrafts. You understand your Debit Mastercard® card or ATM Card does not serve as a credit card nor as overdraft protection. You agree that you will not use your Debit Mastercard® card or ATM Card to make any withdrawal that eceeds the available balance in your Checking Account. If you make such a withdrawal, we may treat the ecess amount as an overdraft on your account, which you agree to pay at once, together with any overdraft charges in effect at such time.

H. Time of Transaction. All transactions made using your Debit Mastercard® card or ATM Card are subject to our Bank’s processing schedules. Any transaction made on a holiday or after regular banking hours may be held by us until the net business day.

I. No Return of Drafts. You agree that we do not need to return to you the original or a copy of any sales draft or cash withdrawal draft originated by proper use of your Debit Mastercard® card or ATM Card. item 29278 J. Use of Your Debit Mastercard® card or ATM Card and associated PIN. Security in the use of the Debit Mastercard® HSBC Debit Mastercard® card or ATM Card card or ATM Card is provided by the PIN that has been assigned to your Card, the security chip, and the magnetically Formatted: Left: 0.5", Right: 0.5", Top: 0.5", Bottom: 0.5" encoded strip on the Debit Mastercard® card or ATM Card. Please keep the Debit Mastercard® card or ATM Card safe, Cardholder Agreement and also protect the PIN. Use the Debit Mastercard® card or ATM Card and the PIN as instructed at all times. Please notify us of any mechanical or operating failure in connection with the use of your Debit Mastercard® card or ATM Card. This is the Agreement that covers the use of your HSBC Debit Mastercard® card or ATM Card “Card” issued by HSBC Do not permit anyone else to use your Debit Mastercard® card or ATM Card, and do not disclose your PIN or record it on Bank USA, National Association and replacements issued from time to time at our option. By requesting or accepting a Card you agree to be bound by all the terms and conditions of this Agreement. In this Agreement, the words “you” and PUBICte ebt astercar car or ar ou are resonsbe or a transactons n c ou use our ebt “your” mean the customer(s) to whom we have issued a Card. The words “HSBC,” “we,” “us,” “our” or “Bank” mean astercar car or ar or te use o te ebt astercar car or ar b anone ese o use t t HSBC Bank USA, National Association. “Checking Account” means your personal HSBC Checking Account you have our ersson designated in your Debit Mastercard® card or ATM Card Application. “Savings Account” means your personal HSBC K. Statements. ransactons ae t our ebt astercar car or ar be son on te reuar eroc Savings Account (if any) you designated in your Debit Mastercard® card or ATM Card Application (or which you may in stateents c ou recee on te ccounts ou ae a ut to eane our ccount stateents an to reort the future properly designate) to be linked to your Card for purposes of Automatic Teller Machine (“ATM”) withdrawals, to us an unautore ebts to our ccount n accorance t te ectronc Bankn erces noraton transfers, and deposits. You agree to use your Card only for valid and lawful purposes and that if your Card is used for tateent any other purposes you are responsible for such use.

L. Foreign Transactions. ou eect a transacton t our ebt astercar car or ar n a currenc oter You may remove access to any account(s) from your Card by properly notifying us in writing or completing a form tan oars or eect a transacton n oars outse te nte tates astercar nternatona ncororate available at any of our branches. However, if you remove your Checking Account from access with your Debit conert te transacton nto a oar aount currenc conerson occur een te transacton s ae n Mastercard® card, we will replace your Debit Mastercard® card with an ATM Card. oars astercar use te currenc conerson roceure c s scose to nsttutons tat ssue suc This Agreement amends and supplements the Deposit Contract you have signed for the personal Checking Account and ars urrent te currenc conerson rate use to eterne te transacton aount n oars or suc personal Savings Account and the Electronic Banking Services Information Statement. Both your Checking Account and transactons s enera eter a oernentanate rate or a oesae rate eterne b astercar or te Savings Account are also subject to the Rules for Consumer Deposit Accounts and the corresponding Terms and Charges rocessn cce n c te transacton s rocesse an a be urter ncrease b a ercentae estabse ro Disclosures given to you in connection with your accounts. If any of the provisions in those brochures are inconsistent te to te b us current e currenc conerson rate use b astercar on te rocessn ate a er with the information in this Agreement, this Agreement will govern. ro te rate tat ou ae been use on te transacton ate or caroer stateent ostn ate The Debit Mastercard® card or ATM Card is available to individuals with HSBC personal Checking Accounts, and is not ter t s reorte to us e ten acure te conerte transacton aount an scose t to ou n oars on our available to any businesses, including without limitation, sole proprietorships, corporations, partnerships and net ont tateent unincorporated associations. V. MISCELLANEOUS I. SERVICES AVAILABLE WITH YOUR DEBIT MASTERCARD® CARD OR ATM CARD A. Applicable Law. s reeent s oerne b te as o te tate o e ork as e as acabe as an You can use your Debit Mastercard® card or ATM Card to do the following: reuatons o te nte tates eter ou e n e ork or use our ar n e ork A. Point-of-Sale Transactions. You can use your Debit Mastercard® card or ATM Card to purchase goods or services at B. Severability. an ter o ts reeent concts t te a a oter ters o ts reeent st rean n any merchant location that accepts Mastercard® debit card. In this Agreement, these purchases are called “Point-of- eect te can be searate ro te conctn ter Sale” transactions, and merchants who accept the Debit Mastercard® card or ATM Card are called “participating C. Attorneys Fees. You agree to pay all collection costs, including reasonable attorney’s fees and court costs, to the merchants.” You can make Point-of-Sale purchases using your Debit Mastercard® card or ATM Card up to the amount of etent ertte b a the available balance in your Checking Account at the time of the Point-of-Sale transaction. The “available balance” for Point-of-Sale transactions means the available balance in your Checking Account plus any available limit on any

overdraft protection account you may have linked to your Checking Account, subject to the limits disclosed in the B Bank eber Electronic Banking Services Information Statement. You cannot access your Savings Account for Point-of-Sale transactions. astercar s a restere traeark an te crces esn s a traeark o astercar nternatona ncororate B. Electronic Banking Services. You can use your Debit Mastercard® card or ATM Card plus your Personal Identification Issued by B Bank USA, N. A.  B Bank Number (PIN) at any EFT Facility (i.e., Automated Teller Machine, Point-of-Sale terminal or other electronic facility) that accepts the Card to perform transactions as outlined in our Electronic Banking Services Information Statement accompanying your Card.

C. Over the Counter Withdrawals. You can use your Debit Mastercard® card to make over the counter withdrawals from your Checking Account at any of our branches or at certain other financial institutions that accept Mastercard® debit card. You cannot withdraw funds over the counter from your Savings Account by using your Debit Mastercard® card.

II. USE OF YOUR DEBIT MASTERCARD® CARD OR ATM CARD

PUBLIC

B increases your epense or limits the use of your Debit Mastercard® card or ATM Card at least days before the change becomes effective by written notice to you at the last address we have for your Checking Account.

C. Who May Use Your Debit Mastercard® card or ATM Card. You acknowledge that the Debit Mastercard® card or ATM Card can only be issued to you and any oint accountholder(s) for your Checking Account, as specified at account opening, and that your Savings Account must be held by the same accountholder(s) in order to be accessed by your Debit Mastercard® card or ATM Card. You and the oint accountholder(s) (if any) are the only ones authoried to use the Debit Mastercard® card(s) or ATM Card(s) issued for your Checking Account. You agree that by disclosing your PIN to someone, you are authoriing them to use your Debit Mastercard® card or ATM Card in the same manner that you can use your Debit Mastercard® card or ATM Card. If your Checking Account is a oint account that reuires two or more signatures, it cannot be designated as your Checking Account for use with the Debit Mastercard® card or ATM Card.

Please notify us immediately if your Card is lost or stolen, or if there are, or you suspect there may be, any unauthorized use of your Debit Mastercard® card or ATM Card or Personal Identification Number (PIN) or any error or improper activity shown on your statement for either your Checking Account or Savings Account. To notify us: call toll free 800-462-1874 or 716-841-4880 (24 hours/seven days a week).

Information regarding your liability for unauthorized EFT transactions is contained in the Electronic Banking Services Information Statement.

D. Refusal of Debit Mastercard® card or ATM Card; Terminal Failure. e have no responsibility for the failure of any ATM, participating merchant, financial institution or other party to accept your Debit Mastercard® card or ATM Card. e will not be liable if an electronic terminal fails to function for any reason, whether or not this malfunction is known to us, nor will we be liable if your Debit Mastercard® card or ATM Card has been reected or confiscated, either at an electronic terminal or through a merchant or financial institution, if previously reported lost or stolen and you attempt to use it.

E. Disputes. You agree to use your best efforts to settle all disputes about purchases you made using the Debit Mastercard® card or ATM Card with the merchant who honored the Debit Mastercard® card or ATM Card.

F. Debit Mastercard® card or ATM Card Ownership. All Debit Mastercard® cards or ATM Cards are the property of HSBC Bank USA, N.A., alden Ave., Depew, New York . You must return the Debit Mastercard® card or ATM Card to us when we ask you.

G. No Overdrafts. You understand your Debit Mastercard® card or ATM Card does not serve as a credit card nor as overdraft protection. You agree that you will not use your Debit Mastercard® card or ATM Card to make any withdrawal that eceeds the available balance in your Checking Account. If you make such a withdrawal, we may treat the ecess amount as an overdraft on your account, which you agree to pay at once, together with any overdraft charges in effect at such time.

H. Time of Transaction. All transactions made using your Debit Mastercard® card or ATM Card are subject to our Bank’s processing schedules. Any transaction made on a holiday or after regular banking hours may be held by us until the net business day.

I. No Return of Drafts. You agree that we do not need to return to you the original or a copy of any sales draft or cash withdrawal draft originated by proper use of your Debit Mastercard® card or ATM Card. item 29278 J. Use of Your Debit Mastercard® card or ATM Card and associated PIN. Security in the use of the Debit Mastercard® HSBC Debit Mastercard® card or ATM Card card or ATM Card is provided by the PIN that has been assigned to your Card, the security chip, and the magnetically Formatted: Left: 0.5", Right: 0.5", Top: 0.5", Bottom: 0.5" encoded strip on the Debit Mastercard® card or ATM Card. Please keep the Debit Mastercard® card or ATM Card safe, Cardholder Agreement and also protect the PIN. Use the Debit Mastercard® card or ATM Card and the PIN as instructed at all times. Please notify us of any mechanical or operating failure in connection with the use of your Debit Mastercard® card or ATM Card. This is the Agreement that covers the use of your HSBC Debit Mastercard® card or ATM Card “Card” issued by HSBC Do not permit anyone else to use your Debit Mastercard® card or ATM Card, and do not disclose your PIN or record it on Bank USA, National Association and replacements issued from time to time at our option. By requesting or accepting a Card you agree to be bound by all the terms and conditions of this Agreement. In this Agreement, the words “you” and PUBICte ebt astercar car or ar ou are resonsbe or a transactons n c ou use our ebt “your” mean the customer(s) to whom we have issued a Card. The words “HSBC,” “we,” “us,” “our” or “Bank” mean astercar car or ar or te use o te ebt astercar car or ar b anone ese o use t t HSBC Bank USA, National Association. “Checking Account” means your personal HSBC Checking Account you have our ersson designated in your Debit Mastercard® card or ATM Card Application. “Savings Account” means your personal HSBC K. Statements. ransactons ae t our ebt astercar car or ar be son on te reuar eroc Savings Account (if any) you designated in your Debit Mastercard® card or ATM Card Application (or which you may in stateents c ou recee on te ccounts ou ae a ut to eane our ccount stateents an to reort the future properly designate) to be linked to your Card for purposes of Automatic Teller Machine (“ATM”) withdrawals, to us an unautore ebts to our ccount n accorance t te ectronc Bankn erces noraton transfers, and deposits. You agree to use your Card only for valid and lawful purposes and that if your Card is used for tateent any other purposes you are responsible for such use.

L. Foreign Transactions. ou eect a transacton t our ebt astercar car or ar n a currenc oter You may remove access to any account(s) from your Card by properly notifying us in writing or completing a form tan oars or eect a transacton n oars outse te nte tates astercar nternatona ncororate available at any of our branches. However, if you remove your Checking Account from access with your Debit conert te transacton nto a oar aount currenc conerson occur een te transacton s ae n Mastercard® card, we will replace your Debit Mastercard® card with an ATM Card. oars astercar use te currenc conerson roceure c s scose to nsttutons tat ssue suc This Agreement amends and supplements the Deposit Contract you have signed for the personal Checking Account and ars urrent te currenc conerson rate use to eterne te transacton aount n oars or suc personal Savings Account and the Electronic Banking Services Information Statement. Both your Checking Account and transactons s enera eter a oernentanate rate or a oesae rate eterne b astercar or te Savings Account are also subject to the Rules for Consumer Deposit Accounts and the corresponding Terms and Charges rocessn cce n c te transacton s rocesse an a be urter ncrease b a ercentae estabse ro Disclosures given to you in connection with your accounts. If any of the provisions in those brochures are inconsistent te to te b us current e currenc conerson rate use b astercar on te rocessn ate a er with the information in this Agreement, this Agreement will govern. ro te rate tat ou ae been use on te transacton ate or caroer stateent ostn ate The Debit Mastercard® card or ATM Card is available to individuals with HSBC personal Checking Accounts, and is not ter t s reorte to us e ten acure te conerte transacton aount an scose t to ou n oars on our available to any businesses, including without limitation, sole proprietorships, corporations, partnerships and net ont tateent unincorporated associations. V. MISCELLANEOUS I. SERVICES AVAILABLE WITH YOUR DEBIT MASTERCARD® CARD OR ATM CARD A. Applicable Law. s reeent s oerne b te as o te tate o e ork as e as acabe as an You can use your Debit Mastercard® card or ATM Card to do the following: reuatons o te nte tates eter ou e n e ork or use our ar n e ork A. Point-of-Sale Transactions. You can use your Debit Mastercard® card or ATM Card to purchase goods or services at B. Severability. an ter o ts reeent concts t te a a oter ters o ts reeent st rean n any merchant location that accepts Mastercard® debit card. In this Agreement, these purchases are called “Point-of- eect te can be searate ro te conctn ter Sale” transactions, and merchants who accept the Debit Mastercard® card or ATM Card are called “participating C. Attorneys Fees. You agree to pay all collection costs, including reasonable attorney’s fees and court costs, to the merchants.” You can make Point-of-Sale purchases using your Debit Mastercard® card or ATM Card up to the amount of etent ertte b a the available balance in your Checking Account at the time of the Point-of-Sale transaction. The “available balance” for Point-of-Sale transactions means the available balance in your Checking Account plus any available limit on any

overdraft protection account you may have linked to your Checking Account, subject to the limits disclosed in the B Bank eber Electronic Banking Services Information Statement. You cannot access your Savings Account for Point-of-Sale transactions. astercar s a restere traeark an te crces esn s a traeark o astercar nternatona ncororate B. Electronic Banking Services. You can use your Debit Mastercard® card or ATM Card plus your Personal Identification Issued by B Bank USA, N. A.  B Bank Number (PIN) at any EFT Facility (i.e., Automated Teller Machine, Point-of-Sale terminal or other electronic facility) that accepts the Card to perform transactions as outlined in our Electronic Banking Services Information Statement accompanying your Card.

C. Over the Counter Withdrawals. You can use your Debit Mastercard® card to make over the counter withdrawals from your Checking Account at any of our branches or at certain other financial institutions that accept Mastercard® debit card. You cannot withdraw funds over the counter from your Savings Account by using your Debit Mastercard® card.

II. USE OF YOUR DEBIT MASTERCARD® CARD OR ATM CARD

PUBLIC

B HSBC Debit Mastercard® card or ATM Card Formatted: Left: 0.5", Right: 0.5", Top: 0.5", Bottom: 0.5" Cardholder Agreement A. Sign Your Card(s). ince the ebit astercard card or ard is a eans to identify the accountholder and oint accountholders of the ard, you agree to sign the bac of the ard iediately upon receipt. This is the Agreement that covers the use of your HSBC Debit Mastercard® card or ATM Card “Card” issued by HSBC Bank USA, National Association and replacements issued from time to time at our option. By requesting or accepting a B. Point-of-Sale Transactions. or ointofale transactions you authorie us to debit your hecing ccount for the Card you agree to be bound by all the terms and conditions of this Agreement. In this Agreement, the words “you” and aount of the transaction, hether or not you hae signed or sign any sales authoriation slip. You acnoledge that all “your” mean the customer(s) to whom we have issued a Card. The words “HSBC,” “we,” “us,” “our” or “Bank” mean ointofale transactions ill constitute a siultaneous ithdraal fro your hecing ccount, een though the HSBC Bank USA, National Association. “Checking Account” means your personal HSBC Checking Account you have transaction ight not be paid fro your hecing ccount until a later date. ointofale transactions ill be debited to designated in your Debit Mastercard® card or ATM Card Application. “Savings Account” means your personal HSBC your hecing ccount in a siilar anner as checs dran on your hecing ccount. Savings Account (if any) you designated in your Debit Mastercard® card or ATM Card Application (or which you may in articipating erchants ay be reuired to obtain an authoriation fro us for certain ointofale transactions. e the future properly designate) to be linked to your Card for purposes of Automatic Teller Machine (“ATM”) withdrawals, are under no obligation to authorie ointofale transactions for hich there are not sufficient funds aailable in your transfers, and deposits. You agree to use your Card only for valid and lawful purposes and that if your Card is used for hecing ccount. any other purposes you are responsible for such use. or dance and, ebit astercard cards e hae the right to return any chec or other ite dran You may remove access to any account(s) from your Card by properly notifying us in writing or completing a form against your hecing ccount hich ould oerdra your account due to the hold placed for a ointofale available at any of our branches. However, if you remove your Checking Account from access with your Debit transaction ade or authoried using your ebit astercard card. e ill not be liable for any failure to authorie Mastercard® card, we will replace your Debit Mastercard® card with an ATM Card. later ointofale transactions or failure to pay other checs or ites dran on your hecing ccount pending This Agreement amends and supplements the Deposit Contract you have signed for the personal Checking Account and copletion of the processing of a preious ointofale transaction. personal Savings Account and the Electronic Banking Services Information Statement. Both your Checking Account and or ade and reier orld ebit astercard cards e ay, but are not reuired to, allo ointofale Savings Account are also subject to the Rules for Consumer Deposit Accounts and the corresponding Terms and Charges transactions hich eceed the aailable balance in your hecing ccount. f e do, you agree that e ay treat the Disclosures given to you in connection with your accounts. If any of the provisions in those brochures are inconsistent aount of such ecess as an oerdraft, and you agree to pay at once eery such oerdraft and any oerdraft charges in with the information in this Agreement, this Agreement will govern. effect at such tie. f e do allo an oerdraft, it does not ean e ill do so again. The Debit Mastercard® card or ATM Card is available to individuals with HSBC personal Checking Accounts, and is not You do not have the right to stop payment on any Point-of-Sale transaction or on any ATM transaction you perform or available to any businesses, including without limitation, sole proprietorships, corporations, partnerships and which is authorized by you. unincorporated associations. C. ATM Transactions. You ay ithdra cash fro your hecing or aings ccount ae payents fro your I. SERVICES AVAILABLE WITH YOUR DEBIT MASTERCARD® CARD OR ATM CARD hecing ccount ae deposits to your hecing or aings ccount or transfer funds beteen your hecing and You can use your Debit Mastercard® card or ATM Card to do the following: aings ccounts up to the daily liit as outlined in the lectronic aning erices nforation tateent accopanying your ard. You authorie us to charge any ithdraal by use of your ebit astercard card or ard A. Point-of-Sale Transactions. You can use your Debit Mastercard® card or ATM Card to purchase goods or services at to your hecing ccount or aings ccount as though you had specifically signed a ithdraal authoriation. f there any merchant location that accepts Mastercard® debit card. In this Agreement, these purchases are called “Point-of- are insufficient funds in the account to coer such a ithdraal, you agree that e ay treat the aount of such Sale” transactions, and merchants who accept the Debit Mastercard® card or ATM Card are called “participating ithdraal as an oerdraft hich you ill be obligated to pay us at once. merchants.” You can make Point-of-Sale purchases using your Debit Mastercard® card or ATM Card up to the amount of the available balance in your Checking Account at the time of the Point-of-Sale transaction. The “available balance” for Point-of-Sale transactions means the available balance in your Checking Account plus any available limit on any III. DEBIT MASTERCARD® CARD OR ATM CARD FEES. overdraft protection account you may have linked to your Checking Account, subject to the limits disclosed in the Electronic Banking Services Information Statement. You cannot access your Savings Account for Point-of-Sale A. Fees. You agree to pay us the appropriate fees listed in the lectronic aning erices nforation tateent hich transactions. ay be aended fro tie to tie by us. You authorie us to charge your hecing ccount for any fees due to us.

B. Electronic Banking Services. You can use your Debit Mastercard® card or ATM Card plus your Personal Identification IV. OTHER IMPORTANT DEBIT MASTERCARD® CARD OR ATM CARD INFORMATION Number (PIN) at any EFT Facility (i.e., Automated Teller Machine, Point-of-Sale terminal or other electronic facility) that accepts the Card to perform transactions as outlined in our Electronic Banking Services Information Statement A. Termination, Suspension of Limitations of Services. e can terinate or suspend your right to use the ard at any accompanying your Card. tie ith or ithout cause and ithout notice. e resere the right not to replace a lost or stolen ard. f e cancel the ard or it epires, you agree to destroy it or return it to us iediately. f you are ased by a participating erchant or C. Over the Counter Withdrawals. You can use your Debit Mastercard® card to make over the counter withdrawals from other institution that accepts the ard to surrender an epired or cancelled ard, you ust do so. You ay not use the your Checking Account at any of our branches or at certain other financial institutions that accept Mastercard® debit ard after it has epired or been cancelled, but you ill reain responsible for all aounts oing to us under this card. You cannot withdraw funds over the counter from your Savings Account by using your Debit Mastercard® card. greeent.

II. USE OF YOUR DEBIT MASTERCARD® CARD OR ATM CARD B. Changes in Terms. e resere the right to ae changes in this greeent to the etent peritted by la at any A. Sign Your Card(s). ince the ebit astercard card or ard is a eans to identify the accountholder and oint tie. nless the change ust be ade iediately for security reasons, e ill tell you about any change that PUBLIC accountholders of the ard, you agree to sign the bac of the ard iediately upon receipt. increases your epense or limits the use of your Debit Mastercard® card or ATM Card at least days before the change becomes effective by written notice to you at the last address we have for your Checking Account. B. Point-of-Sale Transactions. or ointofale transactions you authorie us to debit your hecing ccount for the aount of the transaction, hether or not you hae signed or sign any sales authoriation slip. You acnoledge that all C. Who May Use Your Debit Mastercard® card or ATM Card. You acknowledge that the Debit Mastercard® card or ATM ointofale transactions ill constitute a siultaneous ithdraal fro your hecing ccount, een though the Card can only be issued to you and any oint accountholder(s) for your Checking Account, as specified at account transaction ight not be paid fro your hecing ccount until a later date. ointofale transactions ill be debited to opening, and that your Savings Account must be held by the same accountholder(s) in order to be accessed by your your hecing ccount in a siilar anner as checs dran on your hecing ccount. Debit Mastercard® card or ATM Card. You and the oint accountholder(s) (if any) are the only ones authoried to use the Debit Mastercard® card(s) or ATM Card(s) issued for your Checking Account. You agree that by disclosing your PIN to articipating erchants ay be reuired to obtain an authoriation fro us for certain ointofale transactions. e someone, you are authoriing them to use your Debit Mastercard® card or ATM Card in the same manner that you can are under no obligation to authorie ointofale transactions for hich there are not sufficient funds aailable in your use your Debit Mastercard® card or ATM Card. If your Checking Account is a oint account that reuires two or more hecing ccount. signatures, it cannot be designated as your Checking Account for use with the Debit Mastercard® card or ATM Card.

or dance and, ebit astercard cards e hae the right to return any chec or other ite dran Please notify us immediately if your Card is lost or stolen, or if there are, or you suspect there may be, any against your hecing ccount hich ould oerdra your account due to the hold placed for a ointofale unauthorized use of your Debit Mastercard® card or ATM Card or Personal Identification Number (PIN) or any error or transaction ade or authoried using your ebit astercard card. e ill not be liable for any failure to authorie improper activity shown on your statement for either your Checking Account or Savings Account. To notify us: call toll later ointofale transactions or failure to pay other checs or ites dran on your hecing ccount pending free 800-462-1874 or 716-841-4880 (24 hours/seven days a week). copletion of the processing of a preious ointofale transaction. Information regarding your liability for unauthorized EFT transactions is contained in the Electronic Banking Services or ade and reier orld ebit astercard cards e ay, but are not reuired to, allo ointofale Information Statement. transactions hich eceed the aailable balance in your hecing ccount. f e do, you agree that e ay treat the aount of such ecess as an oerdraft, and you agree to pay at once eery such oerdraft and any oerdraft charges in D. Refusal of Debit Mastercard® card or ATM Card; Terminal Failure. e have no responsibility for the failure of any effect at such tie. f e do allo an oerdraft, it does not ean e ill do so again. ATM, participating merchant, financial institution or other party to accept your Debit Mastercard® card or ATM Card. e will not be liable if an electronic terminal fails to function for any reason, whether or not this malfunction is known to us, You do not have the right to stop payment on any Point-of-Sale transaction or on any ATM transaction you perform or nor will we be liable if your Debit Mastercard® card or ATM Card has been reected or confiscated, either at an which is authorized by you. electronic terminal or through a merchant or financial institution, if previously reported lost or stolen and you attempt to use it. C. ATM Transactions. You ay ithdra cash fro your hecing or aings ccount ae payents fro your hecing ccount ae deposits to your hecing or aings ccount or transfer funds beteen your hecing and E. Disputes. You agree to use your best efforts to settle all disputes about purchases you made using the Debit aings ccounts up to the daily liit as outlined in the lectronic aning erices nforation tateent Mastercard® card or ATM Card with the merchant who honored the Debit Mastercard® card or ATM Card. accopanying your ard. You authorie us to charge any ithdraal by use of your ebit astercard card or ard to your hecing ccount or aings ccount as though you had specifically signed a ithdraal authoriation. f there F. Debit Mastercard® card or ATM Card Ownership. All Debit Mastercard® cards or ATM Cards are the property of HSBC are insufficient funds in the account to coer such a ithdraal, you agree that e ay treat the aount of such Bank USA, N.A., alden Ave., Depew, New York . You must return the Debit Mastercard® card or ATM Card ithdraal as an oerdraft hich you ill be obligated to pay us at once. to us when we ask you.

G. No Overdrafts. You understand your Debit Mastercard® card or ATM Card does not serve as a credit card nor as overdraft protection. You agree that you will not use your Debit Mastercard® card or ATM Card to make any withdrawal III. DEBIT MASTERCARD® CARD OR ATM CARD FEES. that eceeds the available balance in your Checking Account. If you make such a withdrawal, we may treat the ecess amount as an overdraft on your account, which you agree to pay at once, together with any overdraft charges in effect A. Fees. You agree to pay us the appropriate fees listed in the lectronic aning erices nforation tateent hich ay be aended fro tie to tie by us. You authorie us to charge your hecing ccount for any fees due to us. at such time. All transactions made using your Debit Mastercard® card or ATM Card are subject to our Bank’s IV. OTHER IMPORTANT DEBIT MASTERCARD® CARD OR ATM CARD INFORMATION H. Time of Transaction. processing schedules. Any transaction made on a holiday or after regular banking hours may be held by us until the net A. Termination, Suspension of Limitations of Services. e can terinate or suspend your right to use the ard at any business day. tie ith or ithout cause and ithout notice. e resere the right not to replace a lost or stolen ard. f e cancel the ard or it epires, you agree to destroy it or return it to us iediately. f you are ased by a participating erchant or I. No Return of Drafts. You agree that we do not need to return to you the original or a copy of any sales draft or cash other institution that accepts the ard to surrender an epired or cancelled ard, you ust do so. You ay not use the withdrawal draft originated by proper use of your Debit Mastercard® card or ATM Card. ard after it has epired or been cancelled, but you ill reain responsible for all aounts oing to us under this J. Use of Your Debit Mastercard® card or ATM Card and associated PIN. Security in the use of the Debit Mastercard® greeent. card or ATM Card is provided by the PIN that has been assigned to your Card, the security chip, and the magnetically encoded strip on the Debit Mastercard® card or ATM Card. Please keep the Debit Mastercard® card or ATM Card safe, B. Changes in Terms. e resere the right to ae changes in this greeent to the etent peritted by la at any tie. nless the change ust be ade iediately for security reasons, e ill tell you about any change that and also protect the PIN. Use the Debit Mastercard® card or ATM Card and the PIN as instructed at all times. Please notify us of any mechanical or operating failure in connection with the use of your Debit Mastercard® card or ATM Card. Do not permit anyone else to use your Debit Mastercard® card or ATM Card, and do not disclose your PIN or record it on PUBIC HSBC Debit Mastercard® card or ATM Card Formatted: Left: 0.5", Right: 0.5", Top: 0.5", Bottom: 0.5" Cardholder Agreement A. Sign Your Card(s). ince the ebit astercard card or ard is a eans to identify the accountholder and oint accountholders of the ard, you agree to sign the bac of the ard iediately upon receipt. This is the Agreement that covers the use of your HSBC Debit Mastercard® card or ATM Card “Card” issued by HSBC Bank USA, National Association and replacements issued from time to time at our option. By requesting or accepting a B. Point-of-Sale Transactions. or ointofale transactions you authorie us to debit your hecing ccount for the Card you agree to be bound by all the terms and conditions of this Agreement. In this Agreement, the words “you” and aount of the transaction, hether or not you hae signed or sign any sales authoriation slip. You acnoledge that all “your” mean the customer(s) to whom we have issued a Card. The words “HSBC,” “we,” “us,” “our” or “Bank” mean ointofale transactions ill constitute a siultaneous ithdraal fro your hecing ccount, een though the HSBC Bank USA, National Association. “Checking Account” means your personal HSBC Checking Account you have transaction ight not be paid fro your hecing ccount until a later date. ointofale transactions ill be debited to designated in your Debit Mastercard® card or ATM Card Application. “Savings Account” means your personal HSBC your hecing ccount in a siilar anner as checs dran on your hecing ccount. Savings Account (if any) you designated in your Debit Mastercard® card or ATM Card Application (or which you may in articipating erchants ay be reuired to obtain an authoriation fro us for certain ointofale transactions. e the future properly designate) to be linked to your Card for purposes of Automatic Teller Machine (“ATM”) withdrawals, are under no obligation to authorie ointofale transactions for hich there are not sufficient funds aailable in your transfers, and deposits. You agree to use your Card only for valid and lawful purposes and that if your Card is used for hecing ccount. any other purposes you are responsible for such use. or dance and, ebit astercard cards e hae the right to return any chec or other ite dran You may remove access to any account(s) from your Card by properly notifying us in writing or completing a form against your hecing ccount hich ould oerdra your account due to the hold placed for a ointofale available at any of our branches. However, if you remove your Checking Account from access with your Debit transaction ade or authoried using your ebit astercard card. e ill not be liable for any failure to authorie Mastercard® card, we will replace your Debit Mastercard® card with an ATM Card. later ointofale transactions or failure to pay other checs or ites dran on your hecing ccount pending This Agreement amends and supplements the Deposit Contract you have signed for the personal Checking Account and copletion of the processing of a preious ointofale transaction. personal Savings Account and the Electronic Banking Services Information Statement. Both your Checking Account and or ade and reier orld ebit astercard cards e ay, but are not reuired to, allo ointofale Savings Account are also subject to the Rules for Consumer Deposit Accounts and the corresponding Terms and Charges transactions hich eceed the aailable balance in your hecing ccount. f e do, you agree that e ay treat the Disclosures given to you in connection with your accounts. If any of the provisions in those brochures are inconsistent aount of such ecess as an oerdraft, and you agree to pay at once eery such oerdraft and any oerdraft charges in with the information in this Agreement, this Agreement will govern. effect at such tie. f e do allo an oerdraft, it does not ean e ill do so again. The Debit Mastercard® card or ATM Card is available to individuals with HSBC personal Checking Accounts, and is not You do not have the right to stop payment on any Point-of-Sale transaction or on any ATM transaction you perform or available to any businesses, including without limitation, sole proprietorships, corporations, partnerships and which is authorized by you. unincorporated associations. C. ATM Transactions. You ay ithdra cash fro your hecing or aings ccount ae payents fro your I. SERVICES AVAILABLE WITH YOUR DEBIT MASTERCARD® CARD OR ATM CARD hecing ccount ae deposits to your hecing or aings ccount or transfer funds beteen your hecing and You can use your Debit Mastercard® card or ATM Card to do the following: aings ccounts up to the daily liit as outlined in the lectronic aning erices nforation tateent accopanying your ard. You authorie us to charge any ithdraal by use of your ebit astercard card or ard A. Point-of-Sale Transactions. You can use your Debit Mastercard® card or ATM Card to purchase goods or services at to your hecing ccount or aings ccount as though you had specifically signed a ithdraal authoriation. f there any merchant location that accepts Mastercard® debit card. In this Agreement, these purchases are called “Point-of- are insufficient funds in the account to coer such a ithdraal, you agree that e ay treat the aount of such Sale” transactions, and merchants who accept the Debit Mastercard® card or ATM Card are called “participating ithdraal as an oerdraft hich you ill be obligated to pay us at once. merchants.” You can make Point-of-Sale purchases using your Debit Mastercard® card or ATM Card up to the amount of the available balance in your Checking Account at the time of the Point-of-Sale transaction. The “available balance” for Point-of-Sale transactions means the available balance in your Checking Account plus any available limit on any III. DEBIT MASTERCARD® CARD OR ATM CARD FEES. overdraft protection account you may have linked to your Checking Account, subject to the limits disclosed in the Electronic Banking Services Information Statement. You cannot access your Savings Account for Point-of-Sale A. Fees. You agree to pay us the appropriate fees listed in the lectronic aning erices nforation tateent hich transactions. ay be aended fro tie to tie by us. You authorie us to charge your hecing ccount for any fees due to us.

B. Electronic Banking Services. You can use your Debit Mastercard® card or ATM Card plus your Personal Identification IV. OTHER IMPORTANT DEBIT MASTERCARD® CARD OR ATM CARD INFORMATION Number (PIN) at any EFT Facility (i.e., Automated Teller Machine, Point-of-Sale terminal or other electronic facility) that accepts the Card to perform transactions as outlined in our Electronic Banking Services Information Statement A. Termination, Suspension of Limitations of Services. e can terinate or suspend your right to use the ard at any accompanying your Card. tie ith or ithout cause and ithout notice. e resere the right not to replace a lost or stolen ard. f e cancel the ard or it epires, you agree to destroy it or return it to us iediately. f you are ased by a participating erchant or C. Over the Counter Withdrawals. You can use your Debit Mastercard® card to make over the counter withdrawals from other institution that accepts the ard to surrender an epired or cancelled ard, you ust do so. You ay not use the your Checking Account at any of our branches or at certain other financial institutions that accept Mastercard® debit ard after it has epired or been cancelled, but you ill reain responsible for all aounts oing to us under this card. You cannot withdraw funds over the counter from your Savings Account by using your Debit Mastercard® card. greeent.

II. USE OF YOUR DEBIT MASTERCARD® CARD OR ATM CARD B. Changes in Terms. e resere the right to ae changes in this greeent to the etent peritted by la at any A. Sign Your Card(s). ince the ebit astercard card or ard is a eans to identify the accountholder and oint tie. nless the change ust be ade iediately for security reasons, e ill tell you about any change that PUBLIC accountholders of the ard, you agree to sign the bac of the ard iediately upon receipt. increases your epense or limits the use of your Debit Mastercard® card or ATM Card at least days before the change becomes effective by written notice to you at the last address we have for your Checking Account. B. Point-of-Sale Transactions. or ointofale transactions you authorie us to debit your hecing ccount for the aount of the transaction, hether or not you hae signed or sign any sales authoriation slip. You acnoledge that all C. Who May Use Your Debit Mastercard® card or ATM Card. You acknowledge that the Debit Mastercard® card or ATM ointofale transactions ill constitute a siultaneous ithdraal fro your hecing ccount, een though the Card can only be issued to you and any oint accountholder(s) for your Checking Account, as specified at account transaction ight not be paid fro your hecing ccount until a later date. ointofale transactions ill be debited to opening, and that your Savings Account must be held by the same accountholder(s) in order to be accessed by your your hecing ccount in a siilar anner as checs dran on your hecing ccount. Debit Mastercard® card or ATM Card. You and the oint accountholder(s) (if any) are the only ones authoried to use the Debit Mastercard® card(s) or ATM Card(s) issued for your Checking Account. You agree that by disclosing your PIN to articipating erchants ay be reuired to obtain an authoriation fro us for certain ointofale transactions. e someone, you are authoriing them to use your Debit Mastercard® card or ATM Card in the same manner that you can are under no obligation to authorie ointofale transactions for hich there are not sufficient funds aailable in your use your Debit Mastercard® card or ATM Card. If your Checking Account is a oint account that reuires two or more hecing ccount. signatures, it cannot be designated as your Checking Account for use with the Debit Mastercard® card or ATM Card.

or dance and, ebit astercard cards e hae the right to return any chec or other ite dran Please notify us immediately if your Card is lost or stolen, or if there are, or you suspect there may be, any against your hecing ccount hich ould oerdra your account due to the hold placed for a ointofale unauthorized use of your Debit Mastercard® card or ATM Card or Personal Identification Number (PIN) or any error or transaction ade or authoried using your ebit astercard card. e ill not be liable for any failure to authorie improper activity shown on your statement for either your Checking Account or Savings Account. To notify us: call toll later ointofale transactions or failure to pay other checs or ites dran on your hecing ccount pending free 800-462-1874 or 716-841-4880 (24 hours/seven days a week). copletion of the processing of a preious ointofale transaction. Information regarding your liability for unauthorized EFT transactions is contained in the Electronic Banking Services or ade and reier orld ebit astercard cards e ay, but are not reuired to, allo ointofale Information Statement. transactions hich eceed the aailable balance in your hecing ccount. f e do, you agree that e ay treat the aount of such ecess as an oerdraft, and you agree to pay at once eery such oerdraft and any oerdraft charges in D. Refusal of Debit Mastercard® card or ATM Card; Terminal Failure. e have no responsibility for the failure of any effect at such tie. f e do allo an oerdraft, it does not ean e ill do so again. ATM, participating merchant, financial institution or other party to accept your Debit Mastercard® card or ATM Card. e will not be liable if an electronic terminal fails to function for any reason, whether or not this malfunction is known to us, You do not have the right to stop payment on any Point-of-Sale transaction or on any ATM transaction you perform or nor will we be liable if your Debit Mastercard® card or ATM Card has been reected or confiscated, either at an which is authorized by you. electronic terminal or through a merchant or financial institution, if previously reported lost or stolen and you attempt to use it. C. ATM Transactions. You ay ithdra cash fro your hecing or aings ccount ae payents fro your hecing ccount ae deposits to your hecing or aings ccount or transfer funds beteen your hecing and E. Disputes. You agree to use your best efforts to settle all disputes about purchases you made using the Debit aings ccounts up to the daily liit as outlined in the lectronic aning erices nforation tateent Mastercard® card or ATM Card with the merchant who honored the Debit Mastercard® card or ATM Card. accopanying your ard. You authorie us to charge any ithdraal by use of your ebit astercard card or ard to your hecing ccount or aings ccount as though you had specifically signed a ithdraal authoriation. f there F. Debit Mastercard® card or ATM Card Ownership. All Debit Mastercard® cards or ATM Cards are the property of HSBC are insufficient funds in the account to coer such a ithdraal, you agree that e ay treat the aount of such Bank USA, N.A., alden Ave., Depew, New York . You must return the Debit Mastercard® card or ATM Card ithdraal as an oerdraft hich you ill be obligated to pay us at once. to us when we ask you.

G. No Overdrafts. You understand your Debit Mastercard® card or ATM Card does not serve as a credit card nor as overdraft protection. You agree that you will not use your Debit Mastercard® card or ATM Card to make any withdrawal III. DEBIT MASTERCARD® CARD OR ATM CARD FEES. that eceeds the available balance in your Checking Account. If you make such a withdrawal, we may treat the ecess amount as an overdraft on your account, which you agree to pay at once, together with any overdraft charges in effect A. Fees. You agree to pay us the appropriate fees listed in the lectronic aning erices nforation tateent hich ay be aended fro tie to tie by us. You authorie us to charge your hecing ccount for any fees due to us. at such time. All transactions made using your Debit Mastercard® card or ATM Card are subject to our Bank’s IV. OTHER IMPORTANT DEBIT MASTERCARD® CARD OR ATM CARD INFORMATION H. Time of Transaction. processing schedules. Any transaction made on a holiday or after regular banking hours may be held by us until the net A. Termination, Suspension of Limitations of Services. e can terinate or suspend your right to use the ard at any business day. tie ith or ithout cause and ithout notice. e resere the right not to replace a lost or stolen ard. f e cancel the ard or it epires, you agree to destroy it or return it to us iediately. f you are ased by a participating erchant or I. No Return of Drafts. You agree that we do not need to return to you the original or a copy of any sales draft or cash other institution that accepts the ard to surrender an epired or cancelled ard, you ust do so. You ay not use the withdrawal draft originated by proper use of your Debit Mastercard® card or ATM Card. ard after it has epired or been cancelled, but you ill reain responsible for all aounts oing to us under this J. Use of Your Debit Mastercard® card or ATM Card and associated PIN. Security in the use of the Debit Mastercard® greeent. card or ATM Card is provided by the PIN that has been assigned to your Card, the security chip, and the magnetically encoded strip on the Debit Mastercard® card or ATM Card. Please keep the Debit Mastercard® card or ATM Card safe, B. Changes in Terms. e resere the right to ae changes in this greeent to the etent peritted by la at any tie. nless the change ust be ade iediately for security reasons, e ill tell you about any change that and also protect the PIN. Use the Debit Mastercard® card or ATM Card and the PIN as instructed at all times. Please notify us of any mechanical or operating failure in connection with the use of your Debit Mastercard® card or ATM Card. Do not permit anyone else to use your Debit Mastercard® card or ATM Card, and do not disclose your PIN or record it on PUBIC