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File: D:/hMailServer/Data/sarahharvey.com/bob/DB/{DB6CDABC-25DA-4A95-BAD6-D33BE4CF5E38}.eml
Reply-To: "HSBC UK Bank plc" <hsbc@email.business.hsbc.co.uk>
From: "HSBC UK Bank plc" <hsbc@email.business.hsbc.co.uk>
To: <bob@sarahharvey.com>
Subject: Can you recognise a purchase scam?
Date: Wed, 20 Aug 2025 09:03:46 +0100
Message-ID: <NM6036D2233018A32EDhsbcbusiness@email.business.hsbc.co.uk>
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͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ 
͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ 
͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ 
͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ 
͏







View 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98e4&e=cDE9aDJBeXYzekJIakRVQ1A2dEN1ZnNUdyUzRCUzRA&s=Rs6bGGI93GvUoFNGAUIwsvxGk86ycqssu3eOdAu6zwU> 
online if you can't see this email.




 <http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98e5>
  <https://cdn.assets.fwdto.net/hsbc/cmb/202402_fraud_email/header_banner4.png>


Can you recognise a purchase scam?


Dear Customer

A purchase scam is when a business or person is tricked into paying for 
goods or services, often by bank transfer, from a fraudster that has no 
intention of delivering them. According to UK Finance, a financial services 
trade association, UK businesses lost £10.7m in this kind of scam in 2024, a 
20% increase from 2023.



  <https://assets.fwdto.net/hsbc/cmb/202507_fraud_email_and_letter_campaign/img_01_updated.png>

 	 How do fraudsters trick you?
Fraudsters falsely advertise goods and services on platforms such as social 
media, marketplaces and websites. They trick you into making payments in 
advance by using a bank transfer rather than a secure payment option, such 
as your debit or credit card.



  <https://assets.fwdto.net/hsbc/cmb/202507_fraud_email_and_letter_campaign/img_03_updated.png>

 	 What can you do to help protect yourself?
Fortunately, there are steps you can take to help stay safe from purchase 
scams:




•

Always use a secure payment method, be wary of requests to pay using bank 
transfer.


•

Do your research and ask questions before you buy. If you're purchasing an 
asset, ask to see it in person first and request the relevant documentation 
to make sure the seller owns it.


•

Compare the price of goods on the market, if the price looks too good to be 
true, it probably is.


•

If you're buying an item made by a major brand, you can often find a list of 
authorised sellers on their official website.


•

Don't give out any personal details which aren't necessary for the 
transaction to be completed.


•

Never make arrangements to purchase an item or services with a stranger 
that's asking for full payment upfront.



  <https://assets.fwdto.net/hsbc/cmb/202507_fraud_email_and_letter_campaign/img_02_updated.png>

 	 Join our upcoming webinar
Get a detailed view of purchase scams on our upcoming Fraud & Cyber 
awareness webinar on 17 September 2025.

Visit  <http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98e6> 
business.hsbc.uk/fraud-centre/webinars to register.

You can also find more helpful information at 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98e7> 
business.hsbc.uk/purchase-scams.


Thank you,

Your Commercial Banking Team

  <https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/img-1.jpg>
Learn more about fraud

For more information on how to protect yourself and your business, speak 
with your usual contact or visit 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98e8> 
business.hsbc.uk/fraud-centre.

For all other banking queries, visit 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98e9> 
business.hsbc.uk/contact-us to find out how to get in touch.

For accessible ways to contact us, visit 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98ea> 
business.hsbc.uk/accessibility.




  <https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/card4.png>
Your security is our priority

In our emails, we'll never ask you for confidential information or to 
confirm your security details. Links within our emails will only take you to 
information pages.



Please forward any suspicious emails to  <mailto:phishing@hsbc.com> 
phishing@hsbc.com

 <mailto:phishing@hsbc.com>


 <mailto:phishing@hsbc.com> phishing@hsbc.com

 <mailto:phishing@hsbc.com>


 <http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98eb> Website 
terms	  <http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98ec> 
Legal	  <http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98ed> 
Contact us<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98ee> 
Find a branch<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98ef> 
Fraud CentreHSBC UK Bank plc. Registered in England and Wales (company number: 9928412). 
Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the 
Prudential Regulation Authority and regulated by the Financial Conduct 
Authority and the Prudential Regulation Authority (Financial Services 
Register number: 765112).

Privacy notice 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98f0>

We maintain strict security standards and procedures to prevent unauthorised 
access to information about you. HSBC will never contact you by email or 
otherwise to ask you to validate personal information such as your user ID, 
password or account numbers. If you get such a request, please call our 
online security team on 03456 <tel:03456022014>  022 014.

To make sure we're communicating effectively, we may monitor your interest 
in our emails. We may be able to tell when you've opened them, and how 
you've interacted with them. This includes information about how long you 
spend reading our emails and which links you select. We may also collect 
technical information about your device and internet connection, and set 
cookies. We use trusted service providers to help us. For more details, read 
our  <http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98f1> 
Privacy Notice and our 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98f2> Cookie 
Policy.

This email is confidential. It may also be legally privileged. If you aren't 
the addressee you may not copy, forward, disclose or use any part of it. If 
you got this message in error, please delete it and all copies from your 
system and notify the sender immediately by return email. Internet 
communications can't be guaranteed to be timely, secure, error or virus 
free. We don't accept liability for any errors or omissions. Please don't 
reply to this email. To get in touch, 
<http://email.business.hsbc.co.uk/r/?id=h36d2233,18a32ed,10f98f3> contact 
us.

©HSBC Group 2025. All Rights Reserved.

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href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98e4=
&e=3DcDE9aDJBeXYzekJIakRVQ1A2dEN1ZnNUdyUzRCUzRA&s=3DRs6bGGI93GvUoFNGAUIws=
vxGk86ycqssu3eOdAu6zwU" data-targettype=3D"sysaction" style=3D"color: =
rgb(64, 64, 64); text-decoration:underline;"><strong><span =
style=3D"font-weight: normal; text-decoration: =
underline;">online</span></strong></a><span style=3D"color: rgb(64, 64, =
64);"> if you can't see this email.</span></div>
</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:768px;min-width:300px;margin:0 auto;" =
data-location-row=3D"1" class=3D"row row-1">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0">
<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:#333;max-width:100%;width:100%;width:-web=
kit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:480px;min-width:-webkit-calc(100%);min-width:calc(100%)=
;" data-location-row-column=3D"1 0">
<tbody>
<tr data-location-row-column-cell=3D"1 0 0">
<td class=3D"elq-image-cell cell cell-0 darkmode pad30" =
style=3D"background-color:transparent;line-height:0;padding:32px 30px =
32px 30px;text-align:left;">
<table border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left"><!--[if mso]><table width=3D"100%" =
style=3D"width:140px; height:auto; max-width:140px" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0"><tr><td style=3D"padding-right: 0px; =
padding-left: 0px;" align=3D"left"><a target=3D"_blank" =
href=3D"https://www.business.hsbc.uk/en-gb" data-targettype=3D"webpage">
<img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202212_project_monza/logo-1.jpg"=
 alt=3D"HSBC UK" height=3D"34" width=3D"140" style=3D"border: 0px; =
display: block; width:140px; height:auto; =
max-width:140px;"/></a></td></tr></table><![endif]-->=20
<!--[if !mso]>
<!--><a target=3D"_blank" =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98e5=
" data-targettype=3D"webpage" title=3D"HSBC UK"><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202212_project_monza/logo-1.jpg"=
 alt=3D"HSBC UK" height=3D"34" width=3D"140" style=3D"width:140px; =
height:auto; max-width:140px; border: 0px; display: block;"></a>
<!-- <![endif]--></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<!--banner-->
<tr>
<td><img =
src=3D"https://cdn.assets.fwdto.net/hsbc/cmb/202402_fraud_email/header_ba=
nner4.png" alt=3D"Can you recognise a purchase scam?" =
aria-hidden=3D"true" width=3D"768" style=3D"padding: 0; margin: 0; =
line-height: 100%; outline: none; -ms-interpolation-mode: bicubic; =
text-decoration: none; border: 0; height: auto; display: block; width: =
768px; max-width: 768px;" class=3D"w100"/></td>
</tr>

<!--content part-->
<tr>
<td align=3D"center">
<table align=3D"center" style=3D"border-collapse: collapse; border: 0; =
mso-table-lspace: 0; mso-table-rspace: 0; border-spacing: 0; margin: 0; =
width: 88%; padding: 0;" width=3D"88%">
<tbody>

<!--Part-1-->
<tr>
<td>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
24px; line-height: 28px; margin: 24px 0px 22px 0px;">Can you recognise a =
purchase scam?</p>
</td>
</tr>
<tr>
<td>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 10px 0px">Dear Customer</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">A purchase scam is =
when a business or person is tricked into paying for goods or services, =
often by bank transfer, from a fraudster that has no intention of =
delivering them. According to UK Finance, a financial services trade =
association, UK businesses lost &pound;10.7m in this kind of scam in =
2024, a 20% increase from 2023.</p></td>
</tr>
 =20
<tr>
<td>
<table class=3D"w100" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" style=3D"width: 100%;">
<tbody>
<tr>
<td width=3D"60" align=3D"center" valign=3D"top" style=3D"width: =
60px;"><p style=3D"margin: 0px; margin-top: 18px;"><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202507_fraud_email_and_letter_ca=
mpaign/img_01_updated.png" width=3D"60" height=3D"auto" alt=3D"How do =
fraudsters trick you?" style=3D"width: 60px; height: auto; border: 0px; =
display: block;"/></p></td>
<td align=3D"center" valign=3D"top" width=3D"20" style=3D"width: =
20px;">&nbsp;</td>   =20
<td class=3D"colwhite" align=3D"center" style=3D"border-collapse: =
collapse; padding: 0; mso-line-height-rule: exactly; vertical-align: =
top; font-size: 16px; line-height: 22px; font-weight: 400; color: #333; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
text-align: left;" valign=3D"top"><p style=3D"margin: 0px; margin-top: =
0px;"><strong>How do fraudsters trick you? </strong> <br>Fraudsters =
falsely advertise goods and services on platforms such as social media, =
marketplaces and websites. They trick you into making payments in =
advance by using a bank transfer rather than a secure payment option, =
such as your debit or credit card.</p></td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td style=3D"border-collapse: collapse; padding: 0; =
mso-line-height-rule: exactly; vertical-align: top; height: 16px;" =
height=3D"16" valign=3D"top"/>
</tr>

<tr>
<td>
<table class=3D"w100" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" style=3D"width: 100%;">
<tbody>
<tr>
<td width=3D"60" align=3D"center" valign=3D"top" style=3D"width: =
60px;"><p style=3D"margin: 0px; margin-top: 6px;"><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202507_fraud_email_and_letter_ca=
mpaign/img_03_updated.png" width=3D"60" height=3D"auto" alt=3D"What can =
you do to help protect yourself?" style=3D"width: 60px; height: auto; =
border: 0px; display: block;"/></p></td>
<td align=3D"center" valign=3D"top" width=3D"20" style=3D"width: =
20px;">&nbsp;</td>   =20
<td class=3D"colwhite" align=3D"center" style=3D"border-collapse: =
collapse; padding: 0; mso-line-height-rule: exactly; vertical-align: =
top; font-size: 16px; line-height: 22px; font-weight: 400; color: #333; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
text-align: left;" valign=3D"top"><p style=3D"margin: 0px; margin-top: =
4px; margin-bottom: 6px;"><strong>What can you do to help protect =
yourself?</strong> <br>Fortunately, there are steps you can take to help =
stay safe from purchase scams:</p></td>
</tr>
</tbody>
</table>
</td>
</tr> =20

 =20

<tr>
<td align=3D"center" valign=3D"top"><table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" width=3D"79" style=3D"width: 79px;" =
valign=3D"top">&nbsp;</td>
<td align=3D"left" valign=3D"top"><table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 6px;" class=3D"bullred" =
>&bull;</p></td>
 =20
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;">
<p style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 16px; line-height: 20px; =
font-weight: normal; text-align: left; color: #333333; margin-top: 0px; =
margin-bottom: 6px;">Always use a secure payment method, be wary of =
requests to pay using bank transfer.</p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 6px;" class=3D"bullred" =
>&bull;</p></td>
 =20
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;">
<p style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 16px; line-height: 20px; =
font-weight: normal; text-align: left; color: #333333; margin-top: 0px; =
margin-bottom: 6px;">Do your research and ask questions before you buy. =
If you're purchasing an asset, ask to see it in person first and request =
the relevant documentation to make sure the seller owns it.</p>
</td>
</tr> =20
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 6px;" class=3D"bullred" =
>&bull;</p></td>
 =20
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;">
<p style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 16px; line-height: 20px; =
font-weight: normal; text-align: left; color: #333333; margin-top: 0px; =
margin-bottom: 6px;">Compare the price of goods on the market, if the =
price looks too good to be true, it probably is.</p>
</td>
</tr> =20
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 2px;" class=3D"bullred" =
>&bull;</p></td>
 =20
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;">
<p style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 16px; line-height: 20px; =
font-weight: normal; text-align: left; color: #333333; margin-top: 0px; =
margin-bottom: 6px;">If you're buying an item made by a major brand, you =
can often find a list of authorised sellers on their official =
website.</p>
</td>
</tr> =20
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 2px;" class=3D"bullred" =
>&bull;</p></td>
 =20
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;">
<p style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 16px; line-height: 20px; =
font-weight: normal; text-align: left; color: #333333; margin-top: 0px; =
margin-bottom: 6px;">Don't give out any personal details which aren't =
necessary for the transaction to be completed.</p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 2px;" class=3D"bullred" =
>&bull;</p></td>
 =20
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;">
<p style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 16px; line-height: 20px; =
font-weight: normal; text-align: left; color: #333333; margin-top: 0px; =
margin-bottom: 0px;">Never make arrangements to purchase an item or =
services with a stranger that's asking for full payment upfront.</p>
</td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
 =20
<tr>
<td style=3D"border-collapse: collapse; padding: 0; =
mso-line-height-rule: exactly; vertical-align: top; height: 16px;" =
height=3D"16" valign=3D"top"/>
</tr> =20

<tr>
<td>
<table class=3D"w100" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" style=3D"width: 100%;">
<tbody>
<tr>
<td width=3D"60" align=3D"center" valign=3D"top" style=3D"width: =
60px;"><p style=3D"margin: 0px; margin-top: 18px;"><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202507_fraud_email_and_letter_ca=
mpaign/img_02_updated.png" width=3D"60" height=3D"auto" alt=3D"Join our =
upcoming webinar" style=3D"width: 60px; height: auto; border: 0px; =
display: block;"/></p></td>
<td align=3D"center" valign=3D"top" width=3D"20" style=3D"width: =
20px;">&nbsp;</td>   =20
<td class=3D"colwhite" align=3D"center" style=3D"border-collapse: =
collapse; padding: 0; mso-line-height-rule: exactly; vertical-align: =
top; font-size: 16px; line-height: 22px; font-weight: 400; color: #333; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
text-align: left;" valign=3D"top"><p style=3D"margin: 0px; margin-top: =
4px;"><strong>Join our upcoming webinar</strong> <br>Get a detailed view =
of purchase scams on our upcoming <strong>Fraud &amp; Cyber awareness =
webinar </strong>on <strong>17&nbsp;September&nbsp;2025.</strong></p>
<p>Visit <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98e6=
" target=3D"_blank" class=3D"colwhite" style=3D"color: #333; =
text-decoration: underline;" =
title=3D"business.hsbc.uk/fraud-centre/webinars"><span =
class=3D"colwhite" style=3D"font-weight: normal; text-decoration: =
underline; color: =
#333;">business.hsbc.uk/fraud-centre/webinars</span></a> to =
register.</p>
<p style=3D"margin: 0px; margin-top: 12px;">You can also find more =
helpful information at <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98e7=
" target=3D"_blank" class=3D"colwhite" style=3D"color: #333; =
text-decoration: underline;" =
title=3D"business.hsbc.uk/purchase-scams"><span class=3D"colwhite" =
style=3D"font-weight: normal; text-decoration: underline; color: =
#333;">business.hsbc.uk/purchase-scams</span></a>.</p></td>
</tr>
</tbody>
</table>
</td>
</tr>
 =20

 =20
<tr>
<td><p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 18px 0px 6px 0px">Thank you,</p>
 =20
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px; font-weight: =
bold;">Your Commercial Banking Team</p>


 =20
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
align=3D"center" style=3D"border: 1px solid #000000;" =
class=3D"borderwhite">
<tbody>
<tr>
<th width=3D"246" align=3D"center" valign=3D"top" style=3D"width: =
246px;" class=3D"drop"><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/img-1.jpg" =
width=3D"246" alt=3D"Learn more about fraud" style=3D"width: 100%; =
height: auto; border: 0px; display: block;"/></th>
<th width=3D"24" style=3D"width: 24px;" class=3D"nomob">&nbsp;</th>
<th align=3D"left" valign=3D"top" class=3D"drop" style=3D"font-weight: =
normal;">
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 12px 0px 12px 0px; font-weight: =
normal;" class=3D"ml10"><strong>Learn more about fraud</strong></p><p =
class=3D"ml10" style=3D"font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; color: #333; mso-line-height-rule: exactly; =
font-size: 16px; line-height: 20px; margin: 0px 14px 12px 0px;">For more =
information on how to protect yourself and your business, speak with =
your usual contact or visit <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98e8=
" target=3D"_blank" style=3D"color: #333; text-decoration: underline;" =
title=3D"business.hsbc.uk/fraud-centre"><strong><span =
style=3D"font-weight: normal; text-decoration: underline; color: =
#333;">business.hsbc.uk/fraud-centre</span></strong></a>.</p>
<p class=3D"ml10" style=3D"font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; color: #333; mso-line-height-rule: exactly; =
font-size: 16px; line-height: 20px; margin: 0px 16px 12px 0px;">For all =
other banking queries, visit <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98e9=
" target=3D"_blank" style=3D"text-decoration: underline; color: #333;" =
title=3D"business.hsbc.uk/contact-us"><strong><span =
style=3D"font-weight: normal; text-decoration: =
underline;">business.hsbc.uk/contact-us</span></strong></a> to find out =
how to get in touch.</p>
<p class=3D"ml10 mb16" style=3D"margin: 0px; font-family: 'Universe Next =
HSBC', Arial, Helvetica, 'Sans-serif'; color: #333; =
mso-line-height-rule: exactly; font-size: 16px; line-height: 20px;">For =
accessible ways to contact us, visit <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98ea=
" target=3D"_blank" style=3D"text-decoration: underline; color: #333;" =
title=3D"business.hsbc.uk/accessibility"><strong><span =
style=3D"font-weight: normal; text-decoration: =
underline;">business.hsbc.uk/accessibility</span></strong></a>.</p>
</th>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td style=3D"padding: 30px 0px 15px 0px;" align=3D"center"><table =
align=3D"center" style=3D"border-collapse: collapse; border: 0; =
mso-table-lspace: 0; mso-table-rspace: 0; border-spacing: 0; margin: 0; =
width: 88%; padding: 0;" width=3D"88%">
<tbody>
<tr>
<td><table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
<tbody>
<tr>
<td><table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
<tbody>
<tr align=3D"left" valign=3D"top">
<td width=3D"72" align=3D"left" valign=3D"top" style=3D"width: 72px; =
padding-top: 4px;" class=3D"w60"><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/card4.png" =
width=3D"48" alt=3D"Your security is our priority" style=3D"width: 48px; =
height: auto; border: 0px; display: block;"/></td>
<td class=3D"colwhite" align=3D"left" style=3D"border-collapse: =
collapse; padding: 0; mso-line-height-rule: exactly; vertical-align: =
top; font-size: 16px; line-height: 20px; font-weight: 400; padding-top: =
0px; color: #333333; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; padding-bottom: 16px;" valign=3D"top"><p =
style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
24px; line-height: 28px; margin: 0px 0px 12px 0px">Your security is our =
priority</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 12px 0px">In our emails, we'll =
never ask you for confidential information or to confirm your security =
details. Links within our emails will only take you to information =
pages.</p>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top"><table align=3D"left" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" style=3D"font-size: 16px; line-height: =
20px;"><p style=3D"margin: 0px; font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 16px; line-height: 20px; margin: 0px 0px 0px =
0px">Please forward any suspicious emails to <a target=3D"_blank" =
href=3D"mailto:phishing@hsbc.com" class=3D"nomob" =
style=3D"text-decoration: underline; display: inline-block; color: =
#333;" title=3D"phishing@hsbc.com"><strong><span =
style=3D"text-decoration: =
underline;">phishing@hsbc.com</span></strong></a></p></td>
<td class=3D"nomob" width=3D"14" style=3D"width: 14px;font-size: 16px; =
line-height: 20px;" align=3D"right" valign=3D"top"><a target=3D"_blank" =
href=3D"mailto:phishing@hsbc.com" style=3D"text-decoration: none; color: =
#333;" title=3D"phishing@hsbc.com"><img class=3D"mobilearrow" =
alt=3D"arrow" =
src=3D"https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/arrow8.png" =
height=3D"18" width=3D"8" style=3D"width: 8px; height: 18px; display: =
block;"></a></td>
</tr>
</tbody>
</table></td>
</tr>
<!--[if mso]><!-->
<tr>
<td align=3D"left" valign=3D"top"><div class=3D"show" style=3D"display: =
none; max-height: 0px; overflow: hidden;margin: 0;">
<table align=3D"left" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" style=3D"font-size: 16px; line-height: =
20px;"><p style=3D"margin: 0px; font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333; mso-line-height-rule: =
exactly; font-size: 16px; line-height: 20px; margin: 0px 0px 0px 0px"><a =
target=3D"_blank" href=3D"mailto:phishing@hsbc.com" =
style=3D"text-decoration: underline; display: inline-block; color: =
#333;" title=3D"phishing@hsbc.com"><strong><span =
style=3D"text-decoration: =
underline;">phishing@hsbc.com</span></strong></a></p></td>
<td width=3D"14" style=3D"width: 14px;" align=3D"right" =
valign=3D"top"><a target=3D"_blank" href=3D"mailto:phishing@hsbc.com" =
style=3D"text-decoration: none; color: #333;" =
title=3D"phishing@hsbc.com"><img class=3D"mobilearrow" alt=3D"arrow" =
src=3D"https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/arrow8.png" =
height=3D"18" width=3D"6" style=3D"width: 8px; height: 18px; display: =
inline-block;"></a></td>
</tr>
</tbody>
</table>
</div></td>
</tr>
<!--<![endif]-->
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td class=3D"padlr20 mainbg" style=3D"border-collapse: collapse; =
mso-line-height-rule: exactly; vertical-align: top; padding: 0 45px; =
background-color: #e4e5e6;" valign=3D"top" bgcolor=3D"#e4e5e6"><table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding: 20px 0px 0px 0px;"><table border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98eb=
" target=3D"_blank" aria-label=3D"Privacy notice Privacy notice Opens in =
new window" title=3D"Website terms" style=3D"color: #000000; =
text-decoration: underline;"><span style=3D"font-weight: normal; =
text-decoration: underline; color: #000000;" class=3D"nolink">Website =
terms</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98ec=
" title=3D"Legal" target=3D"_blank" aria-label=3D"Legal Legal Opens in =
new window" style=3D"color: #000000; text-decoration: underline;"><span =
style=3D"font-weight: normal; text-decoration: underline; color: =
#000000;" class=3D"nolink">Legal</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98ed=
" title=3D"Contact us" target=3D"_blank" aria-label=3D"Contact us =
Contact us Opens in new window" style=3D"color: #000000; =
text-decoration: underline;"><span style=3D"font-weight: normal; =
text-decoration: underline; color: #000000;" =
class=3D"nolink">Contact&nbsp;us</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98ee=
" title=3D"Find a branch" target=3D"_blank" aria-label=3D"Legal Legal =
Opens in new window" style=3D"color: #000000; text-decoration: =
underline;"><span style=3D"font-weight: normal; text-decoration: =
underline; color: #000000;" class=3D"nolink">Find a =
branch</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98ef=
" title=3D"Fraud Centre" target=3D"_blank" style=3D"color: #000000; =
text-decoration: underline;"><span style=3D"font-weight: normal; =
text-decoration: underline; color: #000000;" =
class=3D"nolink">Fraud&nbsp;Centre</span></a></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td class=3D"" style=3D"border-collapse: collapse; padding: 0; =
mso-line-height-rule: exactly; vertical-align: top; padding-top: 0px; =
color: #000000; font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif';" valign=3D"top"><div align=3D"left">
<p style=3D"margin: 0; margin-top: 12px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';" class=3D"mt18"><strong>HSBC UK Bank =
plc.</strong> Registered in England and Wales (company number: <a =
style=3D"text-decoration: none; color: #000000;">9928412</a>). =
Registered Office: <span class=3D"applelink">1 =
<span></span>Ce<span></span>nte<span></span>na<span></span>r<span></span>=
y Sq<span></span>ua<span></span>re, =
Bi<span></span>rm<span></span>ing<span></span>ha<span></span>m, =
B<span></span>1 1<span></span>H<span></span>Q. Authorised by the =
Prudential Regulation Authority and regulated by the Financial Conduct =
Authority and the Prudential Regulation Authority (Financial Services =
Register number: 765112).</span></p>
<p style=3D"margin: 0; margin-top: 9px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-weight: bold;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98f0=
" target=3D"_blank" style=3D"color: #000000; text-decoration: none;" =
title=3D"Privacy notice">Privacy notice</a></p>
<p style=3D"margin: 0; margin-bottom: 0px; font-size: 12px; line-height: =
16px; font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif';">We maintain strict security standards and procedures to =
prevent unauthorised access to information about you. HSBC will never =
contact you by email or otherwise to ask you to validate personal =
information such as your user ID, password or account numbers. If you =
get such a request, please call our online security team on <a =
href=3D"tel:03456022014" style=3D"color: #000000; text-decoration: =
none;" target=3D"_blank" title=3D"call">03456&nbsp;022&nbsp;014</a>.</p>
<p style=3D"margin: 0; margin-top: 10px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';">To make sure we're communicating effectively, =
we may monitor your interest in our emails. We may be able to tell when =
you've opened them, and how you've interacted with them. This includes =
information about how long you spend reading our emails and which links =
you select. We may also collect technical information about your device =
and internet connection, and set cookies. We use trusted service =
providers to help us. For more details, read our <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98f1=
" target=3D"_blank" title=3D"Privacy Notice" style=3D"color: #000000; =
text-decoration: underline;"><strong><span style=3D"font-weight: normal; =
text-decoration: underline;">Privacy Notice</span></strong></a> and our =
<a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98f2=
" target=3D"_blank" title=3D"Cookie Policy" style=3D"color: #000000; =
text-decoration: underline;"><strong><span style=3D"font-weight: normal; =
text-decoration: underline;">Cookie Policy</span></strong></a>.</p>
<p style=3D"margin: 0; margin-top: 10px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';">This email is confidential. It may also be =
legally privileged. If you aren't the addressee you may not copy, =
forward, disclose or use any part of it. If you got this message in =
error, please delete it and all copies from your system and notify the =
sender immediately by return email. Internet communications can't be =
guaranteed to be timely, secure, error or virus free. We don't accept =
liability for any errors or omissions. Please don't reply to this email. =
To get in touch, <a target=3D"_blank" title=3D"contact us" =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,10f98f3=
" style=3D"color: #000000; text-decoration: underline;"><strong><span =
style=3D"font-weight: normal; text-decoration: underline;">contact =
us</span></strong></a>.</p>
<p style=3D"margin: 0; margin-top: 10px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';">&#xA9;HSBC Group 2025. All Rights =
Reserved.</p>
</div></td>
</tr>
<tr>
<td style=3D"border-collapse: collapse; padding: 0; =
mso-line-height-rule: exactly; vertical-align: top; height: 25px;" =
height=3D"25" valign=3D"top"/>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table>
</div>
</div></td>
</tr>
</table>
</div>
<img height=3D'0' width=3D'0' alt=3D'' =
src=3D'http://email.business.hsbc.co.uk/r/?id=3Dh36d2233,18a32ed,1'/></bo=
dy>
</html>

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