2. You musl hâvo used your credìt ård for the purchase. Pwc¡ases nìade with cæh advances kom anATN4 orwilh a c'tìeck thatacæss your croditcard aæ0untd0 notqualily. 3 You must notyel have lully paid forthe prchase ll all of the criteria obove âre mel and yo are still disstisfied with th€ purchase, contactus n wi.,ín0atlhe blllin0 inqu¡riesaddress on lhefrontof this billinostatement While we inveslioate, the same rules apply lo lhe d¡sputed omount 0s discussed above After we flnlsh our investigation, we will toll you our declsion, At that plnt, lfvr€ thinkyou 0',!e ân amounl andyoudo nol paywe nrây reportyou as delinquent Paylng lntoro0t Your  nterest Charges begin accruìng on purc  card checlß on the dale of the trânsacl  in full. Howev6r, no Intereslwill be charggd 0n new Fjrchas€s fü any b¡lling cycle wlEnl . youpaidyourenlireN6wBalanceinüopreviousmonlh0nllmeiand . you payyourontirecurr€ntmonth'sbalEnceonl¡measwell, How lntorosl Chsrgos &0 C¡lculalod: ïo determino your per¡odic lntercst Charges on each blllln0 statement, we: . delermine the Av€rage 0âily 8alânce for each type ol transacl¡oni (lor e)(ample, purchases, Þal¿nce lrarFfe6, ûnd cash advances)l tfEn . multiply lhis numÞrbythe0ppl¡c¿ble oaily PeriodicBâtei then . multiply lhis numberby the tolal numb€rofdâys ln llæ billlngcycle. We use lhe apdiøble oaily Per¡odic Râte in eflecl on the billing stal€mentclos¡no dale You €n determine your Daily Per¡odic Bale by dividing the APR by 365. How Dâlly Baloncr ls Dotomlnod: We tak€ the beginn¡ng balanæ for each fype of trânsaction thal day; tlpn ûdd the fdlo'¡/¡ng: any new lranectlons; ony previous dây's periodic lnteresl Charg€st âny Flnance Chargosi any foos and châræs.Wo tlEnsubtracl âny pay'rìenß and/orcredlts \¡,þ also makerny needed adiuslments FoÌexâmple: . lf a traßaction posts after, but oæurs before the start ofa bllllng cycle,we mayâdJust the amount abovo to lnclud€ lhls lransactþn. ltwill b€ included as of lhe lirst day 0l the b¡lling . lf a transâclion for I returned paymsnt or â dispule rßolv8d in our lavor posts allsr ths b€ginning ol lho billing cycle, we will make this adiuslmont: - tho âpplicable DailyBâlance(s) andary relâtôd lnterostChargecâlculatlonsw¡ll  b€adjusted to include lhe lransactbn amountas of thedâteol theoriginâl paymentfr tranecli0n To calorlate yourAveÍaoe Daily Balance, we ådd the oâily Balanæs for each d¿y ol the billing cycle: thendivide lhistotol by thenumberof dåysinthebill¡ngcycle, Annual Porænl¡go Salo: lf your Aæounl has âny variâblo râtes, your Annuål Percentago RatB(s)mayvary trboutüo Pon0ttyAPR: llyou d0 not makeyow fi¡lnlmum Payment 0ue by the PaymentDue oale,w€ mây increaseyourAPBS to the PenalfyAPR lfth¡s occurs: . wowill provido advance not¡ce belore the PenalfyAPR gm int0ef fecl . once lhe Penolty APR ooes into etfect, if you make ,ouÍ Minimum P¿ymsnt Due by lhe Payrnont Duo oate for the noxlsix corìseculive billingcycles, your råtesw¡ll r6lum lo the non- PenaltyAPRs lhatapply toyourAcc0unt . ifyou do not make the next si)( mnsecutive min¡mum payments ry th€ Payrnent oue oate,we may keep the PenaltyAPßon yourAæounl indef initely Card R€ltswal Arnual Foo:You may âvoid Fying th€ rene,¡vâl Annuâl Fee (lapplicablo) on yourAccount, ifyil d0seyourAccdntbyl¡/riling  to usat th€ "8illing lnqu¡ri€s" addressshown on the frontofthis billing statemenl, llyourAmud Feeischarged periodimlly(i e monthly),!fl mayâv0id payirìg themostrecentperiodlc feebyfollowing lhe above instructions, credit6d to yourAæount as of agre8 t0 pay al least the Minimum Paymonl ouo in tim€ lo b0 the Payment Du€ Date You may pây more tlìan tho l\¡inlmum Paymsnt Due, or th€ ontire ¡b'¡/ Balânce atâny timo Payrnentsshould Þ mâlled \^/ilh a slngl€ coupon to the payrnenladdressshown  on the lronl 0f yow tilllng ôtatemenl Payments musl bo made by a single chock or money order payade in lJ S dollâß ând drawn on a U S firâncial inst¡lution Paymenls may also be mâde usirìg our oplional payment by phone or online s8rvices using the phone numb8rfrWebaddr8ss list8d m the fronl of this billlng stalemenl. Pa¡ments reæived 0n any dayat tlE payment address shwn orlhefrontryS:00pm CentralTimewillbecred¡tedtoyourAccountasofthedaleolrecelpl, Payrnenls submilled by phone or onl¡ne b/ 7:00 p,m. Central Time wlll be credited to your Accounl âs of the dato ol r€ceipt Pâyments rece¡v6d atter the limes indicåted w¡ll bs tredited tho nexl day Paymenls made in p€rs0n at any HSBC bramh by clßB 0f busin6s will be crediled n0 lâter thÂn lhe date of receipt, crediting poyments lo yourAæount may be delayed up to fivedâys if the paymenl is not made as d€scribed above,tr, is n0l mailsd t0 and receivôd at lhe address provided forremittanc€; is not âccompanied by tlE payment couponl is received in an enveloF olher than the envelope provided for rem¡llancel is stapled, folded, or paper clippodi orincludes multiple poymentæupons orchecks By sondlng us s dlæk for psymmt on your Account, you outhorlzô us to mako o onotlmo olocbonlc funds ùanstor (EFT) fÌom your bank occounl or to proa6s ho paymool as a chæk ùansactlon, When wo use informâlion lrorì your clìock lo mako ân EFI, funds maybe w¡ùrdrawn from your accounl as soon âs lhe sâme day we rec€ive your pâyment, andyourcheckwill be deslroyed, Paymontby PtonorWheny0uuseouropt¡onalpaymenl  by phores8rvice,yülaulhorizeus  t0 Inlllâte an eleclronìc funds trarìsforfrom yourdes¡gnated bank0ccount,You must0uthorize lhe amounland tlmlrìg ofoåchpaym€nl,Pleaseretain lhls âuthorÞation foryourrocords, Gredlt Balonco: Requests for credil bal¿næ refunds shdld be malled to lhe inquiry 0ddr6s shownonlhefrontofy0übillingslatement  Hearin0lmpalr€d:lftouârehearinglmpaired,coll Telecommunicatlons Devices for lhe Deal(tDo/ïlY) al thephone number listed on the frontol this b¡lling stâtoment Nogotlvo Crodlt Euroou Roporüng: We m0y report lnformation about your¡ccount to credlt bure¿us Latepaymenls,m¡ssedpaymBnls,0roth8rdefaultsonyourAccomtmâyb6reflect8d ln your credil report ll you beliove wo have reported lnaccuato lnformation about your Account to any consumor reporting agency, you slþuld nolify us and âsk us lo cotræt lhs inaæurate informalion by writing to us al lhe billing inqu¡riesaddress lisled on the fronl ol this illling slalBment, Dobtcolloctlon: Wo are required bylaw ifâpplicable, to mtifyyou thatw€ åre alt€mpt¡ng l0 col lect a debt, and any into rm atlon oblal ned wlll be used lor tha t purpose cycl€ inwhiclì ¡t posts. . líyour Acæunt ìs subject to a grace p€rlod during the billing cyclo, your paymenls wlll bo  o14H6107 ' 3 ' 0s2c2013 sublmcted from all Dally Balancesin thecurrenttillingcycle To ensure accuracy, please pr¡nt neatly us¡ng upper-case letters and numbers onlyl TTT IT REFEßE¡¡CE MEBCHAI{T  AÀ40UNT0F DISPUTEû- I have oxanlnod tho ohargos mdo to íry ac6unl and am dlgputlng an lt6m lq tlìo ttþwlng ! s.t trave retumeO a¡ove-rete e  ndlse on  -  (mn/düyy) (lf avollable, ploaæ provlde ! 6  adethechargollstedabove, ln addltlon, nollhor I nor anyono Els€ author'lzod by mo rocolved th€ goods or _  sorvlces tepÍ0sented by thls tnnsactlon. Ll7 lhav0beenblll€dtwlceforthosametransactlon,Thsflrstchargelsrell€cted0n rlrv  statomont ond lhs socond  on mú'-  slatomont. ll tho trânsâctlon  mo ùúnsaõilõn fiG anfilõllar smount, pleas€ select optlo E I other-attachaletterdescÉblngyourdlspuls.  Pleasel rerchanl'srcsoonæ was wasla I al A. Youf name and accounl numbel B, Dollar amount ofyour dlsputo C, Detalls ot you dlspute ! 3. Morchandlso shlppsd lo m€ arrlved damagod and/or d0fectlv6 on Plooso spoclly dalo_  (mnr/dd/yy). I attempted to retum the goods and msolve my dlspute wlth th€ merchanl. The merchant's response wos r- What To Do ll You 1ülnkYou Flnd 0 Mletako on Your Stâtomont lf you lhlnk tlære is an eflor o]ì vour stalenìent. write to us on a sooarato sheot of 0¿0er of us€ the attac'ied N0l¡f¡câtióì of 0ispuled liem fofln, al the bllllryj inquhies address ön lhe front 0f lhls billing stalement. ln your letter, gi!€ us lhe following informatitr: . Accflnt information: Your name and ûctounl number . Dollâr âmount: Th€ dollar âmount of the suspæted srffi . Doscriplion0fProblem:llyouthinkthoreisanerror0nyourbill,descr¡bewhâtyoubelieveis wrong and wfryyou believe itis0 mislûke ot t. . Thochargelnquestlolmayrem¿lnonyourstâtemont,and\¡/êmâyc0nlinuolochargeyour ¡nlorosl on that âmount. But, il we determine thal we made a miståke, you will not håve lo påy the amount in quest¡on tr any interestorother fees related to thûtamounl . Whileyoudonothâve lopåylheämountinquestion,youâretesponsible  ftrtlEremainder olyourbâlance. . We can âpply anyunfaid amount againsl yourcr8dit lim¡t Your ßlghls lf You Aro Dlssâllotlod Wlh Your Crodlt Card Pürdrss6: lf you âre dissalislied with the goods or srvices lhatyou havs purchased with yourcreditcard, and you have tried ingoodfailh tocorrectthe problemwilh themerclþnt,y0u may have lhe rightnol l0 pay lhe remainin0 0mount drp on lhe purchâse Tousethisright, allof the following musl be true: 1 ThepurchasemusÌluvebeenmade¡nyourh0meStâteorwithinl00miles0fyourcutent mail¡ng address, and tlìe purchase prico musl hâve been more than $50. (Nolo: Neilhêr of these are necessary if your purchâse wâs based on an adverlisement we malled to you, ot ¡f wo own the company lhatsold you th6good6 orservices,) 