Baltimore Minister Wins with the American DreamCard™

Baltimore, MD – February 2007 – Beverly Carter of Baltimore, Maryland came forward to claim her $25,000 cash prize from the October American DreamCard™ credit card sweepstakes. Carter, a minister for the last 15 years, works with senior citizens at the Beachwood Assisted Living each week. A cardholder since 2005, Beverly is a strong believer in God and she asked him for something special for her and her husband’s 50th wedding anniversary which is coming up soon. “I’m a strong believer that God can do anything.” Beverly’s special 50th wedding anniversary plans now include a trip to Hawaii courtesy of the American DreamCard. Beverly and her husband have 6 children, 12 grandchildren, 1 great grandson and a great granddaughter due any day.

In 2006, American DreamCard was recognized as a finalist for a prestigious international award for innovation in the loyalty - rewards category. The OSCARDS, sponsored by France's Publi-News (in association with MasterCard®), are held annually to honor the world's most innovative credit and stored-value cards. Altenor Consulting and Publi-News performed a worldwide review of over 700 credit card loyalty programs and presented their selections to an international voting committee of banking and credit card experts. Out of that year-long process, the American DreamCard was selected by the voting committee and named one of the four finalists. The OSCARDS awards ceremony was held in Paris in November and announced that the American DreamCard had earned further distinction as one of the two most innovative loyalty and rewards credit card program in the entire world. The innovative uniqueness of the American DreamCard has been repeatedly recognized within the credit card industry. In 2004, the American DreamCard was recognized as one of the two most innovative new credit card programs in the United States by CardWeb.com, Inc. With this most recent recognition at the OSCARDS ceremony in November of 2006, the American DreamCard has now obtained international acclaim as well. Such repeated and outstanding recognition underscores the innovative and unique qualities of the American DreamCard.

American DreamCard, LLC, a privately held company, created the American DreamCard and its innovative Unlotto™ credit card rewards program to provide the monthly opportunity to win a lot of cash. The American DreamCard MasterCard launched in 2004 and has awarded $724,000 to date. Entries for the monthly jackpot are conveniently earned from everyday spending and winning one of the large monthly jackpots can make the American Dream a reality.

The American DreamCard is not a lottery; it is a MasterCard, so there is no need to stand in line, buy tickets or pick numbers. Cardholders simply use the card for everyday purchases and receive an entry for every net $1 spent on the American DreamCard card (up to 1,000 entries per purchase)*. The monthly sweepstakes jackpot grows with the amount of money spent by all American DreamCard cardholders. The next American DreamCard Sweepstakes drawing will be held on or about the 15th of March. Credit applications are being taken at www.americandreamcard.com and applicants receive 1,000 sweepstakes entries for completing the application. The credit card has no annual fee and a competitive annual percentage rate.

HSBC Bank Nevada, N.A. is the issuer of the American DreamCard. HSBC Bank Nevada, N.A. is a subsidiary of HSBC Finance Corporation, headquartered in Prospect Heights, Illinois. HSBC, through its subsidiaries and affiliates, is the sixth largest issuer of MasterCard and Visa® cards in the nation. HSBC Finance is a subsidiary of HSBC North America Holdings Inc., one of the largest financial services organizations in the United States with assets totaling more than $300 billion.

* No purchase necessary. Sweepstakes open to legal US residents, 18 years or older. Void where prohibited. Current Sweepstakes began at 12:00:01 AM ET on 10/01/06 and ends, and all entries expire at 11:59:59 PM ET on 9/30/07. Visit www.americandreamcard.com for Official Sweepstakes Rules, including details, limitations and alternate methods of entry. The Sweepstakes is sponsored by HSBC Card Services Inc.


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