I did check out many sites and pictures off the WWW, and I looked like pin 1 of the X-Surf card was the pin closest to the back of the card. This proved to be wrong!!!
I tried it that way and I noticed that my HDD did not spin up right away. I quickly shut off the power bar and reversed the connection on the X-SurfII card and all was well.
So, for all those that are interested:
Pin 1 of Clockport 0 is twards the center of the XSurfII card (rivet side).
The Subway USB card clearly marks the pin 1 location by way of an arrow on the circuit board!
The Subway card is up and running just fine!!!
Just one question. Will there be any more USB Subway device classes available for the ever expanding world of USB???