YOUR EARNINGS, YOUR REWARDS, YOUR CHOICE

• TRIPLE EARNINGS to 3% on purchases when you redeem toward an eligible, new GM vehicle**
• Or 1% CASH BACK*
• 0%^† INTRODUCTORY APR on Balance Transfers and Credit Card Purchases for 6 months. After that, a variable APR between 15.99% and 22.90%^† will apply
• NO ANNUAL FEE^†

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Card Terms and Conditions

**Redemption limits apply and vary by vehicle and model year.

♦HSBC Bank Nevada, N.A. is the issuer of, and its affiliates administer, the GM Flexible Earnings Card. General Motors is responsible for the operation and administration of the Earnings Program.

†BALANCE TRANSFERS ARE NOT ELIGIBLE FOR EARNINGS. Rates accurate as of 6/15/10. Your Introductory APRs will apply for 6 months from Account opening. The Introductory APR does not apply to cash advances. After your Introductory Period, your Introductory APR on Purchases will increase to the variable Purchase APR and your Introductory APR on Balance Transfers will increase to the variable Balance Transfer APR. The Purchase APR and Balance Transfer APRs will be the same variable rate, 15.99%, 18.99%, or 22.90%, depending upon your creditworthiness. We may increase your Introductory APRs to the variable Penalty APR if you fail to make a minimum payment to us when due. The variable Penalty APR is 30.99%. The Balance Transfer fee of 3% ($10 minimum) will apply to all Balance Transfers posted to your Account during your Introductory period; thereafter, a 3% ($15 minimum) Balance Transfer fee will apply, unless otherwise disclosed. The variable Cash APR is 24.90%. The Cash Advance fee is 3% ($15 minimum). A Foreign Transaction fee of 3% of the U.S. dollar amount will apply to transactions made in a foreign currency. There is no annual fee. Minimum Interest Charge is $1. Grace Period for Purchases is at least 23 days. Method of computing balance for Purchases is Average Daily Balance (including new purchases).

*Cash can be redeemed in $100 increments.

To learn more about the GM Flexible Earnings Card, please visit gmflexcard.com for more information. The GM Flexible Earnings Program is subject to the Program Rules.

Visit the GM Card Privacy Statement if you would like more information.

MasterCard is a registered trademark of MasterCard International, Incorporated.

ACCESSIBILITY: HSBC Card Services is committed to providing reasonable accomodations to persons with disabilities.

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