1 Fees will apply.
2 Annual Percentage Yield. Rates are variable and subject to change. Banking services
offered through H&R Block Bank, a Federal Savings Bank, Member FDIC. Fees may apply. At
participating offices. To the extent and Emerald Savings or Easy IRA account is subject to any account
fees, the overall earnings on the account will be reduced. H&R Block Emerald Savings and H&R
Block Easy IRA are trademarks of HRB Innovations, Inc.
3 Provided by HSBC Bank USA, N.A. if application is submitted in CA, CT, DE, DC, FL, IL, MA,
MD, NJ, NY, OR, PA, VA, or WA, or HSBC Trust Company (Delaware), N.A. if application is submitted
elsewhere. Fees and additional terms and conditions apply. Tax refunds can be obtained without a Refund
Anticipation Check, a loan, or extra fees if tax returns are electronically filed with direct deposit.
At participating offices.
4 Subject to credit approval and other qualifications. Classic Refund Anticipation Loan
("Classic RAL") is a loan provided by HSBC Bank USA, N.A. if application is submitted in CA, CT, DE,
DC, FL, IL, MA, MD, NJ, NY, OR, PA, VA, or WA, or HSBC Trust Company (Delaware), N.A. if application is
submitted elsewhere. A Refund Account fee and a Finance Charge may be charged by the lender. An affiliate
of H&R Block may purchase an interest in Classic RALs. Amount received may be reduced for certain
debt owed to HSBC and H&R Block. At participating offices. Tax refunds can be obtained without a
Refund Anticipation Check, a loan or extra fees if tax returns are electronically filed with direct
deposit.
5 Subject to credit approval and other qualifications. Instant Refund Anticipation Loan
("Instant RAL") is a loan provided by HSBC Bank USA,N.A. if application is submitted in CA, CT, DE, DC, FL,
IL, MA, MD, NJ, NY, OR, PA, VA, or WA, or HSBC Trust Company (Delaware), N.A. if application is
submitted elsewhere. A Refund Account Fee and a Finance Charge may be charged by the lender. An affiliate
of H&R Block may purchase an interest in Instant RALs. If you apply for an Instant RAL, and you don't
qualify, you may qualify for a Classic RAL. Amount received may be reduced for certain debt owed to
HSBC and H&R Block. At participating offices. Tax refunds can be obtained without a Refund
Anticipation Check, a loan or extra fees if tax returns are electronically filed with direct deposit.
6 The H&R Block Emerald Prepaid MasterCard
® is issued by H&R Block
Bank, a Federal Savings Bank, Member FDIC. Fees may apply. MasterCard
® is a registered
trademark of MasterCard International Incorporated. H&R Block Emerald Card is a trademark of HRB
Innovations, Inc. This product may not be available at some locations. This product may be covered by 1
or more of the following U.S. Patents: 6,000,608, 6,189,787, 7,072,862, 7127,425, and 7,177,829.
7 Up to $1,000 promotional period ends 1/14/2010. The H&R Block Emerald Advance
®
line of credit is offered by H&R Block Bank, a Federal Savings Bank, member FDIC. Line of credit is subject
to credit and underwriting approval. At participating offices. Fees may apply.
8 H&R Block provides tax advice only. Consult your own attorney for legal advice. Power
of Attorney required. Void where prohibited. See
Peace of Mind® Extended Service Plan
terms for details.
9 Error claims are for tax season 2009. Fees apply if you have us prepare a corrected or
amended return. Excludes tax returns prepared by H&R Block.
10 A Letter of Engagement is required for all Tax Audit Support. Tax Audit Support
constitutes tax advice only. Consult your own attorney for legal advice. Additional fees and
conditions apply. Power of Attorney required for Audit Representation Services. At participating
offices.
* Costs, including tax preparation and other fees, will be deducted from the loan proceeds for a Refund Anticipation Loan (RAL).
