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 billing cycles
• NO ANNUAL FEE

Click here for Card Terms and Conditions

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

*Cash can be redeemed in $100 increments.

†BALANCE TRANSFERS ARE NOT ELIGIBLE FOR EARNINGS. Rates are accurate as of 12/15/09. The Introductory APR does not apply to cash advances. Depending on your creditworthiness, your Introductory APR will apply for 6 billing cycles from your account open date. After the Introductory Period your variable Premium APR will apply. Your variable Premium APR is 15.99%, 18.99% or 22.90% depending on your creditworthiness. Your APRs may increase to the Default APR if you default because you A) fail to make a payment when due or B) exceed your credit limit. Effective February 17, 2010, the Default APR will be called Penalty APR and your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The variable Default APR is 30.99%. The Cash Advance Fee of 3% ($10 minimum) will apply to all Balance Transfers posted to your Account during your Introductory Period: thereafter, a 3% ($15 minimum) Cash Advance Fee will apply, unless otherwise disclosed. The Cash Advance Fee for all other cash advances is 3% ($15 minimum), unless otherwise disclosed. The Minimum Finance Charge is $1.00. There is no annual fee. The variable Cash APR is 24.90%. A Foreign Transaction Fee of 3% of the U.S. dollar amount will apply to transactions made in a foreign currency. We apply payments to lower APRs before higher APRs. We have the right to change your APRs, fees and other terms at any time, for any reason including, but not limited to, any change in your credit history, credit obligations, Account performance, use of your credit lines with us or any creditor or our financial return. Any changes will be in accordance with your Cardmember Agreement and applicable law.

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.

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.

If you would like more information about the GM Reward Card Privacy Statement click here.

MasterCard is a registered trademark of MasterCard International, Incorporated.

© HSBC Finance Corporation 2009 All Rights Reserved.