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ORCHARD BANK MASTERCARD® SECURED

Initial Credit Limit Up To $1,000 Low Annual Fees Competitive APRs Periodic Credit Limit Increase Review Complimentary Online Services for Account Management and Payment online application

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A * N/A * N/A * 35 * Yes Bad Credit OK

The Orchard Bank MasterCard® Secured, issued by HSBC Bank Nevada, N.A., is designed for those with a limited or poor credit history who are looking to re-establish their credit. The major benefit of this card is the reasonable annual fee of $35. In addition, the APR for purchases is about average for a secured card. However, it is important to note that there are minimum caps applied to the interest rates for both purchases and cash advances.

REWARDS/BENEFITS/PERKS

• Internet account related services.
• See website for additional benefits.

Most Attractive: No application fee; reasonable annual fee.

Least Attractive: Minimum APR caps for purchases and cash advances.

*   See the online credit card application for terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " APPLY NOW " button you can review the credit card terms and conditions on the credit card issuer's web site.

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