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Personal Internet Banking is primarily intended for consumer accounts. You shall at all times indemnify, defend and hold HSBC harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses which may be brought against HSBC or incurred by HSBC and which shall have arisen in connection with the instructions transmitted by Personal Internet Banking relating to your business accounts.

You acknowledge that HSBC offers HSBCnet for business accounts. HSBCnet provides additional security features. HSBCnet provides built-in security features permitting you to establish transfer and account access limitations that are not available on Personal Internet Banking.

In Case of Errors or Questions About Your Electronic Transactions. Send us a BankMail message or call us at HSBC We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared.

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We will tell you the results of our investigation within 10 business days after we hear from you, and we will promptly correct any error we have made.

If we need more time, however, we may take up to 45 days to investigate your complaint or question. In this case, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation.

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If we conclude there was no error, we will send you a written explanation within 3 business days after we complete our investigation.

You may request copies of the documents that we used in our investigation. Limitation of Liability for Personal Internet Banking Transactions.

If we do not complete a transaction to or from your account on time, or in the correct amount according to our Agreement with you, we will be liable for your losses or damages.

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They act as your signature. For your protection, you should memorize your log on credentials and not keep any notation of them on or with your computer.

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Use of Mobile Banking is subject to additional terms contained in the HSBC Mobile Banking Terms and Conditions. HSBC may rely on any exceptions to the provisions in this section that are contained in Regulation E.

All terms not otherwise defined in this Agreement which are defined in Regulation E will have the same meanings when used in this section as they do in Regulation E.

You are responsible for any EFT transaction you make with your log on credentials. You are also responsible for any EFT transaction made by someone else to whom you have given your log on credentials until you notify us that the person no longer has your permission to use them.

Tell us AT ONCE if you believe your log on credentials have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or other information about your account.

Calling is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit.

Also, if your monthly statement shows EFT transactions made with your log on credentials that you did not make or give someone permission to make for you , tell us AT ONCE.

If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days, if we can prove we could have stopped someone from taking the money if you had told us in time.

If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods. If you believe your log on credentials have been lost or stolen or that someone has or may use them to withdraw money from your deposit account without your permission, call the number or write to the address shown.

OR WRITE HSBC P. Box Buffalo, New York Bank to Bank Transfers can only be completed between accounts that are owned by the same account holder.

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