Star Customer Protection

Protect your Yamaha credit card account when you need it most. YP3 is the Yamaha Payment Protection Program. It is not insurance, but an optional debt cancellation program you may add to your account. YP3 helps to relieve the burden of financial obligations by canceling all or part of your monthly account balance should certain qualifying events occur.

	Involuntary Unemployment & Disability – YP3 cancels, on a monthly basis, an amount equal to the greater of: (a) the minimum monthly account payment or (b) 3% of unpaid balances (calculated as of the day of the qualifying event) up to $300 a month, if involuntarily unemployment occurs for at least 30 consecutive days (6 months maximum benefit), or if a disability occurs for at least 30 consecutive days ($10,000 maximum benefit).
	Loss of Life – YP3 cancels Yamaha account balances, up to a maximum of $10,000, in the unfortunate event of your death, excluding suicide.

Here’s how YP3 works.*

Eligibility:
YP3 protection is available only to the primary cardholder. You must be working for a minimum of 30 hours a week (excluding self-employment or working for a spouse) prior to submitting a debt cancellation request (applies to involuntary unemployment and disability benefits).

Approval:
It’s easy to enroll! Simply complete the YP3 enrollment box on the Yamaha credit card application. If you are approved for the Yamaha credit card and you elect to enroll in YP3, you could be automatically approved (subject to eligibility requirements).

YP3 is an optional product sold by HSBC Bank Nevada, N.A. and whether you enroll will not affect the terms of any existing credit agreement you have with the Bank. We will mail you additional information, which will contain the full terms of YP3 before you are required to pay for this program. There are eligibility requirements, conditions, and exclusions that could affect your eligibility for benefits, so you should carefully read the additional information for a full explanation of the terms.

Cost:
YP3 costs only 38¢ per every $100 of the average daily balance per month (including any deferred balance). The cost is conveniently added to your monthly payments, and decreases as the account balance decreases.

To Submit a Debt Cancellation Benefit Request:
Simply call the Events Department at 1-800-627-7282. There is no limit to the number of cancellation benefit requests that may be submitted, as long as eligibility requirements continue to be met.

30-Day Refund Period:
If you are not completely satisfied, you may cancel YP3 anytime during the 30-day refund period and receive a full reimbursement of any YP3 fees billed to your account. You may also cancel at any time thereafter and no additional YP3 fees will be charged to the account.

YP3 is unavailable in Mississippi, Guam, the Virgin Islands, Puerto Rico and Canada.

*Please refer to the Summary of Terms and Conditions in the credit application for a complete description.