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Reply-To: "HSBC UK Bank plc" <communication@mail.insight.business.hsbc.com>
From: "HSBC UK Bank plc" <communication@mail.insight.business.hsbc.com>
To: <bob@sarahharvey.com>
Subject: Supporting your business in 2026 and beyond
Date: Wed, 14 Jan 2026 15:38:24 -0000
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Plus: Register for our fraud webinar
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Your service update from HSBC UK Commercial Banking
As we embark on 2026, I would like to express my gratitude to you for
choosing to bank with us.
SMEs play a crucial role in the UK economy by generating wealth, creating
jobs, and supporting local communities and we are committed to supporting
businesses like yours across the UK. Whatever your aspirations – whether it’s
driving innovation, expanding domestically or internationally, or enabling
technology to grow – our market-leading proposition and product range
uniquely position us to support you at every stage of your business journey.
We are excited to continue supporting you this year and beyond as you pursue
new opportunities, wherever they may be.
<https://images.mail.insight.business.hsbc.com/EloquaImages/clients/HSBCGlobalServicesUKLimited/%7B64fbb15e-9701-47be-83e8-ac1a21a856cf%7D_Tom_Wood.png>
Tom Wood,
Head of SME Business Banking,
HSBC UK
_____
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UK in Focus: Essential economic news for businesses
UK household and business sentiment ticked higher but not enough to change
the fortunes of weak economic data for 2025. Meanwhile, slower inflation and
an interest rate cut should support a further improvement in activity to
start the new year but the 2026 outlook is fragile, with risks aplenty.
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Read the report
_____
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Webinar: Fraud & Cyber Awareness
Date: Tuesday 24 February 2026
The cost of living continues to be a challenge, leading people to turn to
investments to generate extra cash. However, it’s important you can spot a
real investment from a fraudulent one. Join our Fraud Business Management
Team for a nontechnical session highlighting details of recent Investment
scams and how to stay safe.
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Session 1: 10:00am - Register now
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Session 2: 3:00pm - Register now
_____
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k=3D8AF57A8DCF9068299578AFA1269B8319ED035EC80A0A395C2DF43EC49B3F4849778D"=
data-targettype=3D"webpage">
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B6457c929-4c33-48c6-af62-6f04d5732d13%7D_H=
SBC_Logo-1.jpg" height=3D"40" width=3D"181" =
style=3D"width:100%;height:auto;max-width:181px;" /></a>
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
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<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
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<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
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;" role=3D"presentation">
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<td class=3D"elq-image-cell cell =
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0px 0px 0px;text-align:center;">
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cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
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align=3D"center"><![endif]-->
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
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eader_A.png" height=3D"200" width=3D"600" =
style=3D"width:100%;height:auto;max-width:1200px;" />
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<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
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<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
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style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
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sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
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48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 10px =
0px 10px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.15" =
style=3D"line-height: 27.6px;"><span style=3D"font-size: 24px;">Your =
service update from HSBC UK Commercial Banking</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">As we =
embark on 2026, I would like to express my gratitude to you for choosing =
to bank with us.</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">SMEs play =
a crucial role in the UK economy by generating wealth, creating jobs, =
and supporting local communities and we are committed to supporting =
businesses like yours across the UK. Whatever your aspirations =E2=80=93 =
whether it=E2=80=99s driving innovation, expanding domestically or =
internationally, or enabling technology to grow =E2=80=93 our =
market-leading proposition and product range uniquely position us to =
support you at every stage of your business journey. </span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">We are =
excited to continue supporting you this year and beyond as you pursue =
new opportunities, wherever they may be. </span></div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-4" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"25%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-3 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:25%;width:-w=
ebkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:120px;min-width:-webkit-calc(25%);min-width:calc(25%);"=
role=3D"presentation">
<tbody>
<tr>
<td class=3D"elq-image-cell cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:20px =
0px 30px 0px;text-align:center;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:65%" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]-->
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B64fbb15e-9701-47be-83e8-ac1a21a856cf%7D_T=
om_Wood.png" height=3D"98" width=3D"98" =
style=3D"width:100%;height:auto;max-width:65%" />
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"58.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-7 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:58.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:280px;min-width:-webkit-calc(58.33333333%);min-width:ca=
lc(58.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 10px =
10px 10px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><strong style=3D"font-size: 16px;">Tom =
Wood, </strong></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">Head of =
SME Business Banking, </span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">HSBC =
UK</span></div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-3" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
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48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
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</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-5" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
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48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
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lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
30px 30px;" class=3D"elq-divider-cell cell cell-0">
<div>
<!--[if mso]>
<center>
<table width=3D100%>
<tbody>
<tr>
<td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
<div style=3D{{ display: 'none' }}>
</div>
</td>
</tr>
</tbody>
</table>
</center>
<![endif]-->
<!--[if !mso]>-->
<hr style=3D"width:100%;=20
border:none;margin:0px;padding:0px;
border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
</hr>
<!--<![endif]-->
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
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48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
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style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
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</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-6" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
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<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
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<tr>
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style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
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(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
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style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
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</table>
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width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
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lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td class=3D"elq-image-cell cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:500px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]--><a target=3D"_blank" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18387&elqTrackId=3DE8F73D6F8E1B8001B48D2E07B7=
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D" data-targettype=3D"webpage">
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Baf76e86a-70e5-4137-aca6-9ac0ab3fa192%7D_U=
K_in_focus.png" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:1016px;" /></a>
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
</tbody>
</table>
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width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-7" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.15" =
style=3D"line-height: 27.6px;"><span style=3D"font-size: 24px;">UK in =
Focus: Essential economic news for businesses</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">UK =
household and business sentiment ticked higher but not enough to change =
the fortunes of weak economic data for 2025. Meanwhile, slower inflation =
and an interest rate cut should support a further improvement in =
activity to start the new year but the 2026 outlook is fragile, with =
risks aplenty.</span></div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-8" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
20px 30px;" class=3D"elq-button-cell cell cell-0">
<div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
<div>
<!--[if gte mso 9]>
<div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
<table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
<tbody>
<tr style=3D"vertical-align: top;">
<td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
<![endif]-->
</div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18387&elqTrackId=3DC91A95C41D34DEF5BBAB4C7ACA=
517B90&elq=3Daabeba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&el=
qak=3D8AF5B0178A041B292823D48DF5D47712967B5EC80A0A395C2DF43EC49B3F4849778=
D" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Read the =
report</strong></span></span></a>
<div>
<!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
</div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-1">
<div>
<!--[if mso]>
<center>
<table width=3D100%>
<tbody>
<tr>
<td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
<div style=3D{{ display: 'none' }}>
</div>
</td>
</tr>
</tbody>
</table>
</center>
<![endif]-->
<!--[if !mso]>-->
<hr style=3D"width:100%;=20
border:none;margin:0px;padding:0px;
border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
</hr>
<!--<![endif]-->
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-9" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td class=3D"elq-image-cell cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:500px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]-->
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B94902bba-f1f1-407a-b380-bab461eed8bf%7D_E=
conomic_Webinar.jpg" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:1016px;" />
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-10" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.15" =
style=3D"line-height: 27.6px;"><span style=3D"font-size: 24px;">Webinar: =
Fraud & Cyber Awareness</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><strong style=3D"font-size: =
16px;">Date:</strong><span style=3D"font-size: 16px;"> Tuesday 24 =
February 2026</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">The cost =
of living continues to be a challenge, leading people to turn to =
investments to generate extra cash. However, it=E2=80=99s important you =
can spot a real investment from a fraudulent one. Join our Fraud =
Business Management Team for a non=02technical session highlighting =
details of recent Investment scams and how to stay safe.</span></div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-11" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-button-cell cell cell-0">
<div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
<div>
<!--[if gte mso 9]>
<div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
<table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
<tbody>
<tr style=3D"vertical-align: top;">
<td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
<![endif]-->
</div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18370&elqTrackId=3DACB46BDD0D820C00264807665E=
157CF9&elq=3Daabeba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&el=
qak=3D8AF53532832079279DAD727F6A4EFD1F5A615EC80A0A395C2DF43EC49B3F4849778=
D" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Session =
1: 10:00am - Register now</strong></span></span></a>
<div>
<!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
</div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
30px 30px;" class=3D"elq-button-cell cell cell-1">
<div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
<div>
<!--[if gte mso 9]>
<div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
<table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
<tbody>
<tr style=3D"vertical-align: top;">
<td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
<![endif]-->
</div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18372&elqTrackId=3D1D95451904D73B701187EC4DB2=
E0C323&elq=3Daabeba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&el=
qak=3D8AF55F97EBD7F69CAFF0409AFA9BED14C86F5EC80A0A395C2DF43EC49B3F4849778=
D" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Session =
2: 3:00pm - Register now</strong></span></span></a>
<div>
<!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
</div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-12" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-0">
<div>
<!--[if mso]>
<center>
<table width=3D100%>
<tbody>
<tr>
<td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
<div style=3D{{ display: 'none' }}>
</div>
</td>
</tr>
</tbody>
</table>
</center>
<![endif]-->
<!--[if !mso]>-->
<hr style=3D"width:100%;=20
border:none;margin:0px;padding:0px;
border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
</hr>
<!--<![endif]-->
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-13" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-8 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:66.66666667%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:320px;min-width:-webkit-calc(66.66666667%);min-width:ca=
lc(66.66666667%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:20px 30px =
20px 30px;" class=3D"elq-code-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<table>
<tbody>
<tr>
<td valign=3D"middle" =
align=3D"left"><span style=3D"font-family: Arial, Helvetica, =
sans-serif;font-size: 18px;color: =
#4c4c4c;text-decoration:none;line-height: 18px;">Connect with us =
</span></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"25%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-3 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:25%;width:-w=
ebkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:120px;min-width:-webkit-calc(25%);min-width:calc(25%);"=
role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-code-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<table>
<tbody>
<tr>
<td valign=3D"right" =
align=3D"right" width=3D"20"><a =
href=3D"https://www.linkedin.com/showcase/hsbc-commercial-banking/?cid=3D=
0&ElqID=3D2010325&elqTrackId=3D122104d5d8d94fd39984d6863e45eb83&elq=3Daab=
eba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&elqCampaignId=3D12=
560&elqak=3D8AF57C65C37516D51AC1F90B15FC8043F9065EC80A0A395C2DF43EC49B3F4=
849778D" target=3D"_blank">
<img =
alt=3D"LinkedIn" =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B059dfaef-229a-4345-9e3b-db0041b93f67%7D_S=
ocial_icons.png" width=3D"50"></a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-14" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-12 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:100%;width:-=
webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:480px;min-width:-webkit-calc(100%);min-width:calc(100%)=
;" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:0px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.5" =
style=3D"line-height: 15px;"><span style=3D"font-size: 10px;">In our =
emails, HSBC will never ask you for confidential information or to =
confirm your security details. Links within our emails will only take =
you to information pages.</span></div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-1">
<div =
style=3D"display:inline-block;width:100%;">
<div><a target=3D"_blank" =
title=3D"Contact Us" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D595&elqTrackId=3D20EB1C69BDB2564BB6AAADBC9733=
5A05&elq=3Daabeba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&elqa=
k=3D8AF5566DF7EF39579BAEFA4917D5917128615EC80A0A395C2DF43EC49B3F4849778D"=
data-targettype=3D"webpage" style=3D"font-size: 10px; color: rgb(0, 0, =
0);"><u>Contact Us</u></a><span style=3D"font-size: =
10px;"> | </span><u style=3D"font-size: =
10px;"> </u><a target=3D"_blank" title=3D"Find branch" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D842&elqTrackId=3DDC1507241DA3FCD01F92425C7C65=
66B2&elq=3Daabeba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&elqa=
k=3D8AF521EA273F94AD49F212EE1A14BDDAAE9C5EC80A0A395C2DF43EC49B3F4849778D"=
data-targettype=3D"webpage" style=3D"font-size: 10px; color: rgb(0, 0, =
0);"><u>Find a branch</u></a><a target=3D"_blank" title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D42&elqTrackId=3D353C20E5DE5BF55298BBB93B7D1AB=
D89&elq=3Daabeba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&elqak=
=3D8AF51BDD663DFCECA5CB06B1DFACD3726E925EC80A0A395C2DF43EC49B3F4849778D" =
data-targettype=3D"webpage" style=3D"font-size: 10px; color: rgb(0, 0, =
0);"> </a></div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-2">
<div =
style=3D"display:inline-block;width:100%;">
<div><span style=3D"font-size: =
10px;">HSBC UK Bank plc registered in England and Wales number 09928412. =
Registered Office: 1 Centenary Square, Birmingham, B1 1HQ, United =
Kingdom. Authorised by the Prudential Regulation Authority and regulated =
by the Financial Conduct Authority and the Prudential Regulation =
Authority under registration number 09928412. </span></div>
<div><span style=3D"font-size: =
10px;">=C2=A9 HSBC Group 2025. All rights reserved.</span></div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-3">
<div =
style=3D"display:inline-block;width:100%;">
<div><a target=3D"_blank" =
title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D13422&elqTrackId=3D92872367933A93B7E9B2BC2788=
FF7922&elq=3Daabeba7934f340e684e5cd734c0b5848&elqaid=3D18545&elqat=3D1&el=
qak=3D8AF5A076199DDBA2B412D2BF0546EB461B8A5EC80A0A395C2DF43EC49B3F4849778=
D" data-targettype=3D"webpage" style=3D"font-size: 10px; color: rgb(0, =
0, 0);"><strong><u>Privacy and security terms of use =
policy</u></strong></a></div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-4">
<div =
style=3D"display:inline-block;width:100%;">
<div><span style=3D"font-size: =
10px;">We would like to continue contacting you with information and =
offers on other products which may be of interest to you. If you would =
prefer not to receive this information, please</span><a =
target=3D"_blank" title=3D"" =
href=3D"https://insight.business.hsbc.com/LP=3D868?cid=3D0&ElqID=3D201032=
5&elqTrackId=3DAC4D7FB7F73C25985BF5AE6A05EC17B0&elq=3Daabeba7934f340e684e=
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