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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: =?UTF-8?Q?Authorised_Push_Payment_=28APP=29_sc?=
=?UTF-8?Q?ams_=E2=80=93_new_rules_on_reimbursement?=
Date: Wed, 23 Oct 2024 13:00:19 +0100
Message-ID: <NM602DBFBF501750BEEhsbcbusiness@email.business.hsbc.co.uk>
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͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏
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͏
View
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online if you can't see this email.
<http://email.business.hsbc.co.uk/r/?id=h2dbfbf5,1750bee,10eb5ab>
Authorised Push Payment (APP) scams – new rules on reimbursement
Dear Customer
We're letting you know about new rules on Authorised Push Payment scams (APP
scams) which apply to you, if you're an eligible customer, from 7 October
2024.
Does this apply to you?
Eligible customers are consumers, micro-enterprises and small charities.
A micro-enterprise is one that employs fewer than ten people and has either
an annual turnover or annual balance sheet total that does not exceed €2
million or sterling equivalent.
A small charity is a charity as defined by the Charities Act 2011, Charities
and Trustee Investment (Scotland) Act 2005 or the Charities Act (Northern
Ireland) 2008 with an annual income of less than £1 million per year.
What's an APP scam?
An APP scam occurs when a scammer tricks you into making a payment to an
account outside your control and the recipient isn't the person you intended
to pay, or the payment wasn't for the purpose that you originally intended.
New APP scam reimbursement rules
On 7 October 2024, new rules came into effect for eligible customers who
become the victim of an APP scam and request reimbursement. These new rules
apply to UK sterling Faster Payments and CHAPS payments made on or after 7
October 2024.
If you make a claim, it will be assessed on a case-by-case basis considering
the evidence from you, the bank that received the payment and, where
relevant, third parties such as the police. Any information requested from
you will be used to help us to progress your claim.
There's a maximum limit for reimbursement of £85,000 per claim and we may
deduct an excess of £100 from the reimbursement. There are reasons why
eligible customers may not be entitled to reimbursement under the new rules,
which we explain below.
When you make a claim, we'll let you know the outcome as quickly as possible
and if you're entitled to reimbursement, we'll aim to reimburse you no later
than 35 days after you contact us.
We'll be updating our Business Banking Terms & Conditions to include the new
rules, and they'll be available by 9 April 2025 at the latest.
Why you may not be entitled to reimbursement
You may not be entitled to reimbursement under the new rules if:
•
the payment was sent to another account that you control, whether with HSBC
or another bank;
•
the payment was sent to an account outside the UK;
•
you didn't agree to the payment being sent (although you may still be
entitled to a refund under different rules);
•
there's a civil dispute between you and the person or business that received
the payment;
•
you've been extremely careless when making the payment and ignored warnings
from us and/or the police that the payment was likely to be a scam;
•
you didn't promptly report the scam or suspected scam to us;
•
we haven't received the information we need to assess your claim;
•
we reasonably suspect fraud on your part; or
•
it's more than 13 months since you made the last APP scam payment.
The new rules also don't apply to:
•
payments made before 7 October 2024;
•
payments made using your debit or credit cards, cheques or cash;
international payments; or
•
payments sent to or received from credit unions, municipal banks and
national savings banks.
These payments will still be investigated and you may still be reimbursed,
so it's important to report them.
How to tell us if you suspect you've been scammed
It's very important you contact us as soon as you know or suspect that
you've become a victim of an APP scam. You can call us 24 hours a day, 7
days a week on <tel:03455873523> 03455 873 523. If you haven't already,
you'll be asked to contact the police.
If you're an eligible customer, we'll contact the bank that received your
payment to try and recover the money. We'll need to share your details and
the information you provide to us with them. We'll let you know if we need
any additional information and keep you up to date with the progress of your
claim.
Finally, for more details about how to protect yourself from fraud, go to
<http://email.business.hsbc.co.uk/r/?id=h2dbfbf5,1750bee,10eb5ac>
business.hsbc.uk/fraud-centre.
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 you and your business, speak with
your usual HSBC contact or visit
<http://email.business.hsbc.co.uk/r/?id=h2dbfbf5,1750bee,10eb5b2>
business.hsbc.uk/fraud-centre.
<https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/lock.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=h2dbfbf5,1750bee,10eb5ae> Website
terms <http://email.business.hsbc.co.uk/r/?id=h2dbfbf5,1750bee,10eb5af>
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Contact us<http://email.business.hsbc.co.uk/r/?id=h2dbfbf5,1750bee,10eb5b1>
Find a branch<http://email.business.hsbc.co.uk/r/?id=h2dbfbf5,1750bee,10eb5b3>
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=h2dbfbf5,1750bee,10eb5b4>
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=h2dbfbf5,1750bee,10eb5b5>
Privacy Notice and our
<http://email.business.hsbc.co.uk/r/?id=h2dbfbf5,1750bee,10eb5b6> 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=h2dbfbf5,1750bee,10eb5b0> contact
us.
©HSBC Group 2024. All Rights Reserved.
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<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: 'Univers Next HSBC', 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"0 0">
<tbody>
<tr data-location-row-column-cell=3D"0 0 0">
<td style=3D"background-color:#F0F0F0;line-height:18px;padding:10px 10px =
10px 10px;" class=3D"elq-text-cell cell cell-0 mainbg"><div =
style=3D"display:inline-block;width:100%;">
<div style=3D"text-align: center; font-family: 'Univers Next HSBC', =
Arial, Helvetica, sans-serif; font-size: 13px; line-height: 16px;"><span =
style=3D"color: rgb(64, 64, 64);">View </span><a target=3D"_blank" =
title=3D"online" =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh2dbfbf5,1750bee,10eb5aa=
&e=3DcDE9WndMSzlRaWFIVFBzU3h0ZnhQTFNUQSUzRCUzRA&s=3Dm_R4iCXaiH1Oq70sxQlgk=
BAWcHMfbik0bPUDgnLjbQA" 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><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 =
width=3D"88%" align=3D"center" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" style=3D"width: 88%;">
<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 0px =
27px 0px; 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" title=3D"HSBC UK" =
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=3Dh2dbfbf5,1750bee,10eb5ab=
" title=3D"HSBC UK" 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"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>
<!--content part-->
<tr>
<td align=3D"center" style=3D"padding: 0px 0px 0px 0px;"><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: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
24px; line-height: 28px; margin: 0px 0px 16px 0px">Authorised Push =
Payment (APP) scams – new rules on <!--[if =
mso]><br><!--<![endif]-->reimbursement</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 16px 0px 10px 0px">Dear Customer</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">We're letting you =
know about new rules on Authorised Push Payment scams (APP scams) which =
apply to you, if you're an eligible customer, from =
<strong>7 October 2024</strong>.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px"><strong>Does this =
apply to you?</strong></p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">Eligible customers =
are consumers, micro-enterprises and small charities.</p>
<p style=3D"font-family: 'Univers 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 micro-enterprise is =
one that employs fewer than ten people and has either an annual turnover =
or annual balance sheet total that does not exceed €2 million =
or sterling equivalent.</p>
<p style=3D"font-family: 'Univers 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 small charity is a =
charity as defined by the Charities Act 2011, Charities and Trustee =
Investment (Scotland) Act 2005 or the Charities Act (Northern =
Ireland) 2008 with an annual income of less than £1 million =
per year.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px"><strong>What's an APP =
scam?</strong></p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">An APP scam occurs =
when a scammer tricks you into making a payment to an account outside =
your control and the recipient isn't the person you intended to pay, or =
the payment wasn't for the purpose that you originally intended.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px"><strong>New APP scam =
reimbursement rules</strong></p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">On =
<strong>7 October 2024</strong>, new rules came into effect =
for eligible customers who become the victim of an APP scam and request =
reimbursement. These new rules apply to UK sterling Faster Payments and =
CHAPS payments made on or after =
<strong>7 October 2024</strong>.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 14px 0px">If you make a claim, =
it will be assessed on a case-by-case basis considering the evidence =
from you, the bank that received the payment and, where relevant, third =
parties such as the police. Any information requested from you will be =
used to help us to progress your claim.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">There's a maximum =
limit for reimbursement of <strong>£85,000</strong> per claim and =
we may deduct an excess of <strong>£100</strong> from the =
reimbursement. There are reasons why eligible customers may not be =
entitled to reimbursement under the new rules, which we explain =
below.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">When you make a =
claim, we'll let you know the outcome as quickly as possible and if =
you're entitled to reimbursement, we'll aim to reimburse you no later =
than <strong>35 days</strong> after you contact us.</p> =20
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">We'll be updating our =
Business Banking Terms & Conditions to include the new rules, and =
they'll be available by <strong>9 April 2025</strong> at the =
latest. </p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px"><strong>Why you may =
not be entitled to reimbursement</strong></p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">You may not be =
entitled to reimbursement under the new rules if:</p> =20
</td>
</tr>
<!--part-2-->
<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"10" style=3D"width: 10px;" =
valign=3D"top"> </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: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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:'Univers 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: 2px;">the payment was sent to another account that you =
control, whether with HSBC or another bank;</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">the payment was sent to an account outside the =
UK;</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">you didn't agree to the payment being sent =
(although you may still be entitled to a refund under different =
rules);</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">there's a civil dispute between you and the person =
or business that received the payment;</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">you've been extremely careless when making the =
payment and ignored warnings from us and/or the police that the payment =
was likely to be a scam;</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">you didn't promptly report the scam or suspected =
scam to us;</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">we haven't received the information we need to =
assess your claim;</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">we reasonably suspect fraud on your part; or</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">it's more than 13 months since you made the =
last APP scam payment.</p> =20
</td>
</tr> =20
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td><p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 10px 0px 10px 0px">The new rules also =
don't apply to:</p>
</td>
</tr>
<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"10" style=3D"width: 10px;" =
valign=3D"top"> </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: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">payments made before =
<strong>7 October 2024;</strong></p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">payments made using your debit or credit cards, =
cheques or cash; international payments; or</p> =20
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: 'Univers Next HSBC', 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: 'Univers =
Next HSBC', Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011; =
margin-bottom: 2px;" class=3D"bullred">•</p></td> =20
<td align=3D"left" valign=3D"top" style=3D"font-family: 'Univers Next =
HSBC', 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: 'Univers 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: 2px;">payments sent to or received from credit unions, =
municipal banks and national savings banks.</p> =20
</td>
</tr> =20
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td><p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 10px 0px 10px 0px">These payments will =
still be investigated and you may still be reimbursed, so it's important =
to report them.</p>
</td>
</tr>
<tr>
<td><p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 10px 0px 16px 0px"><strong>How to tell =
us if you suspect you've been scammed</strong></p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">It's very important =
you contact us as soon as you know or suspect that you've become a =
victim of an APP scam. You can call us 24 hours a day, 7 days =
a week on <a target=3D"_blank" href=3D"tel:03455873523" title=3D"call" =
style=3D"color: #333333; text-decoration: =
none;"><strong>03455 873 523</strong></a>. If you haven't =
already, you'll be asked to contact the police.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">If you're an eligible =
customer, we'll contact the bank that received your payment to try and =
recover the money. We'll need to share your details and the information =
you provide to us with them. We'll let you know if we need any =
additional information and keep you up to date with the progress of your =
claim.</p>
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px">Finally, for more =
details about how to protect yourself from fraud, go to <br =
class=3D"nomob"><a target=3D"_blank" =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh2dbfbf5,1750bee,10eb5ac=
" style=3D"text-decoration: underline; color: #333333;" =
title=3D"business.hsbc.uk/fraud-centre"><strong><span =
style=3D"font-weight: normal; text-decoration: underline; color: =
#333333;">business.hsbc.uk/fraud-centre</span></strong></a>.</p> =20
</td>
</tr> =20
<tr>
<td><p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 6px 0px">Thank you</p>=20
<p style=3D"font-family: 'Univers 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"drop nomob"> </th>
<th align=3D"left" valign=3D"top" class=3D"drop" style=3D"font-weight: =
normal;">
<p style=3D"font-family: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 72px 0px 12px 0px; font-weight: =
normal;" class=3D"ml10 mt12"><strong>Learn more about fraud</strong></p>
<p class=3D"ml10" style=3D"font-family: 'Univers Next HSBC', Arial, =
Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: exactly; =
font-size: 16px; line-height: 20px; margin: 0px 14px 12px 0px;">For more =
information on how to protect you and your business, speak with your =
usual HSBC contact or visit <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh2dbfbf5,1750bee,10eb5b2=
" target=3D"_blank" style=3D"color: #333333; text-decoration: =
underline;" title=3D"business.hsbc.uk/fraud-centre"><strong><span =
style=3D"font-weight: normal; text-decoration: underline; color: =
#333333;">business.hsbc.uk/fraud-centre</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/lock.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: 'Univers Next HSBC', Arial, Helvetica, =
'Sans-serif'; padding-bottom: 16px;" valign=3D"top"><p =
style=3D"font-family: 'Univers 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: 'Univers 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: 'Univers 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: 'Univers 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: 'Univers 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=3Dh2dbfbf5,1750bee,10eb5ae=
" 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: 'Univers 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=3Dh2dbfbf5,1750bee,10eb5af=
" 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: 'Univers 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=3Dh2dbfbf5,1750bee,10eb5ad=
" 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 us</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Univers 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=3Dh2dbfbf5,1750bee,10eb5b1=
" 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: 'Univers 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=3Dh2dbfbf5,1750bee,10eb5b3=
" 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 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: 'Univers 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: 'Univers 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: 'Univers Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-weight: bold;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh2dbfbf5,1750bee,10eb5b4=
" 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: 'Univers 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 =
title=3D"call" href=3D"tel:03456022014" style=3D"color: #000000; =
text-decoration: none;" =
target=3D"_blank">03456 022 014</a>.</p>
<p style=3D"margin: 0; margin-top: 10px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Univers 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=3Dh2dbfbf5,1750bee,10eb5b5=
" 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=3Dh2dbfbf5,1750bee,10eb5b6=
" 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: 'Univers 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=3Dh2dbfbf5,1750bee,10eb5b0=
" 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: 'Univers Next HSBC', Arial, =
Helvetica, 'Sans-serif';">©HSBC Group 2024. 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=3Dh2dbfbf5,1750bee,1'/></bo=
dy>
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