Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases): 14.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 29.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: n/a
• Maximum Credit Limit: up to $25,000
• Late Payment Fee: $39
• Over-The-Limit Fee: $39
• Cash Advance Fee: $5 for ATM and convenience check transactions up to $100; the greater of 4% and $15 for ATM and convenience check transactions over $100 and all other cash advance transactions; $29 for cash express transactions
• Balance Transfer Fee: n/a

Reward Program Details

• Points per Dollar: 1 Entry
• Additional Points: Cardholders may have the opportunity to earn bonus entries in select months during the promotional period.
• Point Details: Entries earned on qualified purchases, cash advances, and balance transfers. Each entry is automatically submitted into a monthly sweepstakes drawing for a cash prize.
• Expiration: The sweepstakes ends and all entries expire on September 30, 2009. (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None (1,000 points/entries per transaction.)

Review

Created for those with good credit who want participate in the monthly $25,000 cash sweepstakes offer. Receive 1 entry per $1 spent on purchases (up to 1,000 entries per transaction). Also receive 1 entry per $1 for balance transfers or cash advances. Receive 1,000 entries for applying for the card. The intro APR is smaller than average and there are no additional benefits with this card. Last Modified Date: 11/13/2008 12:00:00 AM

Additional Perks

Access to AccountCentral®, the online account servicing platform (earn 100 entries for enrolling).
Access to online payment of the American DreamCard™ bill (earn 100 entries each time the bill is paid online).
Access to Account Protection Plus(SM) for an additional fee.
Access to the Account Benefit Plan(SM) for an additional fee.
See website for additional benefits.
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Important Notations

The APR is based on the highest Prime Rate during a 90-day period. The minimum APR for purchases is 14.99%. The minimum APR for cash advances is 29.99%. The APR for purchases varies according to the applicant's credit history and will be 8.99% or 15.99% + Prime Rate. The Sweepstakes begins at 12:00:01 AM ET on 10/01/08. The Sweepstakes ends and all entries expire at 11:59:59 PM ET on 09/
30/09. The Sweepstakes is sponsored by HSBC Card Services, Inc. The American DreamCard™ MasterCard® is issued by HSBC Card Services. Its affiliates, HSBC Card Services Inc. and/
or HSBC Card Services (II), Inc., provide administrative and processing services for the credit card. See website for additional APR information. *See website for complete terms and conditions of card usage and application disclosure./