HSBC US NA - Online Access Terms and Conditions

5/12/13
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Terms and Conditions

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HSBC Personal Internet Banking Terms and Conditions

The following Terms and Conditions govern your use of Personal Internet Banking offered by HSBC Bank USA, N.A. (HSBC)
for accounts held at HSBC. "HSBC" means HSBC Bank USA, N.A. or any of its subsidiaries or affiliates that hold a Linked
Account or provide Personal Internet Banking Services. By using Personal Internet Banking, you agree to these Terms and
Conditions. You may print this document for your files or you can request a copy by mail by calling Customer Service at
1-800-975-HSBC (1-800-975-4722). Representatives are available Monday - Sunday 7:00am - 12:00am ET. Or you can write
to: HSBC Bank USA, National Association, P.O. Box 2013, Buffalo, NY 14240.
Types of Available Transfers and Services
Here's what you'll be able to do on your computer with Personal Internet Banking:
Obtain available balance information for Deposit, Credit Card and Line of Credit Accounts as of the close of business on
the preceding Business Day. However, debits initiated for Bill Payments, may not be reflected in the Available Balance
until the next business day or later, and credits initiated for credit cards, loans and lines are not reflected in the Available
Balance until after two business days. Obtain transaction/balance information as provided by Pershing for investments
(Brokerage) accounts using the link to the Pershing website.
Review transaction information for the last twenty-four months or two years of statement periods for deposit accounts (ie. a
savings account with a quarterly statement would display eight statement dates). Review transaction information for the
last twelve statement periods for revolving credit accounts, and the last twenty-four months, or fifty transactions for
mortgage accounts.
Make transfers from your checking, savings or other asset accounts or revolving credit accounts to your checking, savings
or other asset accounts, HSBC revolving credit, installment loan or mortgage accounts.
Access information on HSBC products and services.
Obtain a summary of checking, savings, money market, CDs, IRAs, or other asset accounts, revolving credit cards,
installment loans and mortgage accounts.
Send BankMail (secured email) to us.
Register for the Bill Pay service to pay bills or make payments from your account to a business or person in the United
States.
Register for the Bank to Bank Transfers service to transfer funds to or from your HSBC accounts and any other account
held by you at another U.S. financial institution.
You may register for EasyView to aggregate, or bring together, most of your online accounts in one place. This includes
your HSBC accounts displayed on Personal Internet Banking as well as your online accounts from other sites. To register
for EasyView, log-in to Personal Internet Banking and click EasyView in the left navigation.
View, print and download electronic deposit statements or notices and disclosures by enrolling in the eStatement Service,
which will also cancel your paper statement. HSBC online-only accounts receive only electronic delivery of statements,
notices and disclosures.
Access your HSBC Securities (USA) Inc. brokerage account (See the End User Agreement for terms and conditions
applying specifically to access to your brokerage account online). Securities and Annuity Products are: Not a deposit
or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government
agency of the United States; Not guaranteed by the bank or any of its affiliates; and are subject to investment
risk, including possible loss of principal invested.
Account Access
Access information about the following types of Accounts:
HSBC Bank Products
Checking Accounts
Savings Accounts
Certificate of Deposit Accounts (CDs)
Individual Retirement Accounts (IRAs)
Investment Accounts
https://www.us.hsbc.com/1/2/3/personal/online-services/personal-internet-banking/registration/terms-print#top
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Line of Credit Accounts

Installment Loans
Mortgages
Credit Cards
Charge Cards
Home Equity
HSBC online-only Products
Online Savings Accounts
Online Payment Accounts
Online Certificate Accounts
HSBC Securities (USA) Inc. Accounts
Accounts Not Eligible for Access
Fiduciary accounts
Any account that requires two or more signatures.
Any account in the name of a child under 18 years of age.
Any person you have authorized to access your Personal Internet Banking Account is authorized to:
Accept these Terms and Conditions, as amended from time to time
Access each eligible Account of yours in any manner and for any purpose available through Personal Internet Banking,
whether available now or available at some time in the future. Access includes making transactions on linked accounts,
such as checking or brokerage accounts.
You agree that any eligible Account opened at a future date will automatically be linked to Personal Internet Banking.
Removal of Account Access
You may remove access to any Account by notifying HSBC by BankMail or by other written correspondence. All HSBC
online-only accounts require that you access the accounts only through Personal Internet Banking and such accounts will
need to be closed if you want to remove online access.
Your Password and Security Key
Your password and security key are used to identify you when accessing Personal Internet Banking. They act as your
signature. For information regarding creating a strong password, please click here.
You can change your Password or Security Key at any time. For your protection, you should memorize your Password and
Security Key and not keep any notation of them on or with your computer. The Password and Security Key assures that
only you, or someone to whom you give your Password and Security Key, can access your Internet Banking Account. You
agree not to give your Username, Password or Security Key to anyone you do not authorize to use your Internet Banking
Account. If you do, you will be responsible for any money withdrawn or transferred from your Accounts when such person
uses your Password or Security Key. You also should not provide your Username, Password or Security Key to anyone you
do not want to view your financial information maintained on your EasyView service.
If any of your Accounts are joint accounts or have additional authorized signers, each owner, or authorized signer is entitled
to their own Username, Password and Security Key to access their Personal Internet Banking Account. To register joint
holders and authorized signers should call the Customer Relationship Center at 1-800-975-4722 or sign up for
Personal Internet Banking and completing the required information.
You understand and agree that to the extent permitted under applicable law each owner of an Account is jointly and
individually responsible for all Personal Internet Banking transactions that affect that Account, including the initiation of
brokerage account transactions using Personal Internet Banking.
Limitations on Frequency of Transfers and Dollar Amounts
You may use Personal Internet Banking and the Bill Pay service as often as you would like. Internet transfers or Bill
Payments must not exceed your Available Balance in the Account on the day the transfer is made, unless you have
authorized HSBC to use your usable balance from your HSBC Premier with Sweep Account, or your Asset Management
Account, or your Commercial Asset Management Account, or your Money Market Fund Account, or your Money Market
Mutual Fund Account, or available credit from your MasterCard, VISA, Select Credit Account or Express Line Account.
Transfers from your line of credit account are subject to the terms of the credit agreement. Transactions on your linked
brokerage account are subject to limitation under these Terms and Conditions and the terms of your customer agreement
with HSBC Securities (USA) Inc. and the End User Agreement between you and HSBC Securities (USA) Inc. and Pershing
LLC. If you make Personal Internet Banking Transfers from your savings account to another of your Accounts, those
transfers are counted as telephone transfers and are subject to the Transfer Limits contained in the Rules for Deposit
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Accounts. If you exceed the transfer limits, then HSBC may be required to close your savings account and transfer the
balance to a checking account.
Transfer Processing
Date of Immediate Transfer Request
Date Immediate Transfer will be made
On a Business Day - before

Approximately 8 p.m. Eastern Time
Same Business Day that the transfer is requested.
On a Business Day - after

Next Business Day after the transfer is requested.
On a day other than a Business Day
Date of Scheduled Transfer Request
Date Scheduled Transfer will be made
On a Business Day - before

Same Business Day that the transfer is requested.
On a Business Day - after

On a day other than a Business Day
You may cancel a future transfer by finding the transfer in 'Scheduled Transfers'. Select an account or a date range to narrow
your search. Select the transfer by clicking on the date, and then you can modify or delete the transfer.
HSBC may reject a transfer instruction if there are insufficient Available Funds in your Account, or in the usable balance in
your HSBC Premier with Sweep Account, Asset Management Account, Commercial Asset Management Account, or Money
Market Mutual Fund Account, or available credit on your related line of credit, or for any other reason. In the event of
insufficient Available Funds on a future transfer, a BankMail notification will be sent to you.
Wire Transfers
The Wire Transfer service allows customers the ability to make time critical payments. These payments can be either sent
to domestic or international beneficiaries in either U.S. Dollars or in other available currencies.
The Bank shall have the right to reject any Wire Transfer instruction if you have insufficient available funds in the Account or
for any other reason. If the Bank rejects a Wire Transfer instruction, the Bank shall use reasonable efforts to notify you
through BankMail or by telephone.
You agree that the Bank may rely on the routing or identifying number provided by you for the intermediary bank or the
beneficiary's bank, even if it identifies a bank different from the bank identified in the Wire payment instruction. The Bank has
no duty to detect any such inconsistency in identification.
You agree that the Bank may rely on the Account number provided by you and the Bank is under no obligation to confirm
that the name of the Account to which funds transferred conforms to the name given in the Wire Transfer instruction.
You agree that you are responsible for full routing instructions. The Bank may make use of correspondents, agents, subagents, Wire Transfer and communication systems in executing your Wire Transfer request. You agree that if a Wire
Transfer request does not designate an intermediary bank where appropriate, the Bank will select an intermediary bank on
your behalf and you agree that the Bank shall have no liability with respect to such selection. To the full extent permitted by
law, correspondents, agents, sub-agents, systems or intermediary banks shall be deemed to be agents of the Customer and
the Bank shall not be under any liability for any errors, negligence, suspension or default of any of them, all such risks being
borne by the Customer.
The Bank is under no obligation to cancel or amend a Wire Transfer instruction after it has been transmitted to the Bank.
However, the Bank shall use reasonable efforts to act on a request by you for cancellation of a Wire Transfer instruction prior
to the Bank's execution of the instruction, but the Bank shall have no liability if such cancellation is not effected.
All Wire Transfers submitted before 3 p.m. ET, Monday through Friday (excluding federal holidays), will be processed on that
day when HSBC is able to successfully contact you by telephone to authenticate you and your request. Wire Transfers
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submitted after 3 p.m. ET on a Banking day or on a non-business day, the Wire Transfer will be processed on the next
business day when HSBC is able to successfully contact you by telephone to authenticate you and your request. For
domestic and international Wire Transfers not involving a foreign currency, and for which acceptable secondary security
measures have been successfully completed, Level Two Security Procedures (i.e., telephone call-backs) may not be
necessary.
Bill Payment Processing
The Bill Pay service allows you to use your accounts to pay a bill or to make payments to a business or other payee that
has a mailing address within the U.S. You agree not to use the Bill Pay service to make any tax payments or any courtordered payments. You agree that if you attempt to make payments for taxes or court-ordered payments or if you attempt to
make payments to a payee outside the U.S., HSBC and its agents will not be responsible for that payment.
By registering for the Bill Pay service, you authorize HSBC and its agents to follow the payment instructions you have
provided using your Personal Internet Banking Account. You will provide HSBC with the names, addresses, phone numbers
and account information of those persons or entities to whom you wish to make a Bill Payment. When you initiate a Bill
Payment, you authorize HSBC to charge your account on a Business Day provided in the transaction and to remit funds to
the payee on your behalf electronically, provided electronic payments are permitted and accepted by the payee. If the payee
does not permit and accept electronic payments, then those funds will be remitted to the payee through the use of a paper
check issued by HSBC or its agent and payable to the payee. Such paper check will state that it represents a payment from
you and will indicate the account number of your account with the payee.
Payments can be sent to payees electronically or by check. As a number of different factors are considered to determine
how the payment will be sent, we cannot tell which method of payment will be used until the payment is processed. Based
on factors considered, our payment system selects the most appropriate method.
Electronic payments are sent whenever possible. If a payee accepts checks only, an individual corporate check is sent.
While it is anticipated that most Bill Payments will be processed and completed on the same business day selected for the
Bill Payment Process Date, it is understood by you that due to circumstances beyond the control of HSBC, such as delays
by the payee and the payee's bank or agent in handling and posting Bill Payments, some Bill Payments may take longer to
be posted to your account at the payee. For this reason, HSBC recommends that you select a Bill Payment Process Date
which is at least five Business Days before the actual due date of the payments. You agree that HSBC will not be
responsible for any Bill Payment that is received or posted by the payee after the grace period or that results in a late charge
or penalty being assessed by the payee if you did not follow this recommendation. In such event, you agree that you shall
have the sole risk of incurring and the sole responsibility for paying any and all late charges or penalties assessed by the
payee.
Only payees with United States addresses may be paid using the Bill Pay service. We reserve the right to limit the
frequency and dollar amount of transactions from your accounts.
You may use Bill Pay service to authorize automatic recurring payments of recurring bills. These payments must be for the
same amount each month and they will be paid on the same calendar day of each month, or on the next Business Day if the
regular payment day falls on a weekend or holiday.
If a Bill Pay transaction cannot be processed according to your instruction, a BankMail notification will be sent to you.
Your Right to Cancel (Stop Payment) a Bill Payment
You can cancel or stop a single Bill Payment anytime before the Bill Payment Process Date for that payment through the
use of Personal Internet Banking. If the Bill Payment is a recurring payment set up on the Bill Pay service, then you can
cancel that Bill Payment: (1) Through the use of Personal Internet Banking as long as the request is received before the Bill
Payment Process Date of the next recurring Bill Payment, (2) By calling us at 1-800-975-HSBC (1-800-975-4722), or (3) By
writing to: HSBC Bank USA, National Association, PO Box 2013, Buffalo, NY 14240. We must receive your call or written
request at least 3 (three) Business Days before the Bill Payment Process Date of the next recurring Bill Payment. If you call,
we will require you to put your request in writing and get it to us within 14 calendar days after you have made the request. If
you order us to cancel a recurring Bill Payment three Business Days before the Bill Payment Process Date of the next
recurring Bill Payment and we do not do so, then we will be liable to you for your losses or damages. Once a recurring bill
payment is cancelled, all future payments to that payee will be cancelled and you must reschedule it if you want a Bill
Payment to be made in the future.
HSBC Mobile Banking
Mobile Banking is an extension of Personal Internet Banking and is available to all customers who have enrolled in the
service. To use Mobile Banking customers are required to use their existing Personal Internet Banking log on credentials.
All features and services available through Personal Internet Banking are not available via Mobile Banking unless the Full
Website option is launched from your mobile device.
Mobile Banking will not store your log on credentials. You agree that you will not use an auto-complete feature which stores
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your log on credentials and that you will not save your log on credentials on your mobile device.
You agree that you will not install software onto your mobile device that you are not familiar with or have not read the Terms
and Conditions for that software.
You agree to download mobile security software updates when available. You agree that your mobile device will be locked if it
is left unattended. As part of the security of your data, you must accept cookies. Cookies remind HSBC of your browser
preferences and security requirements.
You agree to log off of Mobile Banking at the completion of your online session.
In the event that your mobile device is lost or stolen and you believe you were not logged off and / or feel your log on
credentials may have been compromised, please contact the Customer Relationship Center. We also recommend that you
contact your wireless service provider to have your device deactivated.
HSBC Bank USA, N.A. does not charge a fee for the using Mobile Banking. The usual and customary fees that the Bank
may charge for any products and services provided continue to apply. You may incur internet data charges and call costs
from your mobile service provider/internet service provider.
Bank to Bank Transfers Service
Bank to Bank Transfers ("Service") offered by HSBC and service provider allows you to transfer funds to or from your HSBC
accounts and any other account held by you at another U.S. financial institution referred to in these terms as 'Accounts'
assuming, of course, that the transfer is permitted by your financial institution and by law. Bank to Bank Transfers can only
be completed between accounts that are owned by the same account holder. In order to use Bank to Bank Transfers, you
have to be a Personal Internet Banking ("Personal Internet Banking") customer of HSBC. Details of applicable limits can be
found on the Bank to Bank Transfers section of the website.
1. Acceptance of Bank to Bank Transfers Terms
These terms apply when you use Bank to Bank Transfers. HSBC reserves the right to change the Terms under which
the Service is offered in its sole discretion at any time; however, HSBC will notify you of any material change to the Terms. In
most cases, you will receive the notice online the next time you log in; however, HSBC reserves the right to notify you by
email or by conventional mail, at its discretion. You agree that if you continue to use the Service after we notify you of any
change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If you do not
accept and agree to the changes to the Terms, you will not be entitled to use the Service. You can review, download and
print the most current version of this Agreement at any time by clicking on the Terms and Conditions link within the footer of
the Personal Internet Banking web site and then clicking "Personal Internet Banking" in the "Other Terms & Conditions"
section of the right hand menu. If you do not agree to the changes, or if at any time you wish to discontinue your use of the
Service, you can unsubscribe by sending a secure 'BankMail' from Internet Banking or call our Customer Relationship Center
at 1-800-975-HSBC (1-800-975-4722), to unsubscribe from the service. Representatives are available Monday - Sunday
7:00am - 12:00am ET and will be happy to help.
2. Information Authorization
HSBC and our service provider reserve the right to obtain such additional information as we deem reasonably necessary to
insure that you are not using our Service in violation of law, including, but not limited to, laws and regulations designed to
prevent 'money laundering' or the transfer of funds to accounts that are blocked under regulations of the Office of Foreign
Assets Control (OFAC) of the United States Treasury Department.
Once you are approved for Bank to Bank Transfers, we may verify the Accounts that you add to the Service from time to
time. You authorize us to validate the Accounts through the use of a test transfer, in which one or more low value payments
will be both credited to and debited from the Account. The test credit will always occur before the test debit and will always
be of the same or lesser amount, so that the balance in any of your Accounts will never be less than the actual balance.
Once the test transfer is complete, we may ask you to access your Account to tell us the amount of the test credit or debit
or any additional information reported by your bank with this test transfer. We may also verify Accounts by requiring the entry
of information you ordinarily use to access the Account provider's web site, or by requiring you to submit proof of ownership
of the Account.
3. User Content
Subject to HSBC's Privacy Policy, you agree that HSBC may use, copy, modify, display and distribute any information,
data, materials or other content (the "Content") you provide to HSBC for the purpose of providing the Service, and you
hereby give HSBC a license to do so. By submitting Content, you represent that you have the right to license such Content
to HSBC for the purposes set forth in this Agreement.
4. Accounts
You understand that in order to complete Bank to Bank Transfers, it is necessary for HSBC and our service provider to
access the websites and databases of your bank and other institutions where you hold Accounts, as designated by you and
on your behalf, to retrieve information and effect the fund transfers you request. By using the Service, you represent and
warrant to us that you have the right to authorize and permit us to access your Accounts to effect such funds transfers or for
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any other purpose authorized by this Agreement, and you assure us that by disclosing and authorizing us to use such
information you are not violating any third party rights. You warrant and represent that the information you are providing us
with is true, current, correct and complete. You hereby authorize and permit HSBC and our service provider to use
information submitted by you to accomplish these purposes and to configure the Service to be compatible with the
Accounts.
For as long as you are using the Service, you give to HSBC and our service provider a limited power of attorney and appoint
HSBC and our service provider as your true and lawful attorney-in-fact and agent, with full power of substitution and
resubstitution, for you and in your name, place and stead, in any and all capacities, to access the Accounts, effect funds
transfers as described above, with full power and authority to do and perform each and every act and thing requisite and
necessary to be done in connection with effecting funds transfers, including verifying the content and authenticity of any
funds transfer instruction for the purposes of security procedures applicable to Accounts, as fully to all intents and purposes
as you might or could in person. Once HSBC and/or our service provider has actual knowledge that you wish to cease using
the Bank to Bank Transfers service as provided in this Agreement or as otherwise permitted in this Agreement and has a
reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however,
that any act done by HSBC and/or our service provider in good faith before it has actual knowledge of termination by you and
has a reasonable opportunity to act on such knowledge shall be deemed to be authorized by you.
You understand and agree that at all times your relationship with each Account provider is independent of HSBC and your
use of the Bank to Bank Transfers. HSBC will not be responsible for any acts or omissions by the financial institution or
other provider of any Account, including without limitation any modification, interruption or discontinuance of any Account by
such provider.
YOU ACKNOWLEDGE AND AGREE THAT WHEN HSBC AND OUR SERVICE PROVIDER IS EFFECTING A BANK TO
BANK TRANSFER FROM OR TO ANY OF YOUR ACCOUNTS, HSBC AND OUR SERVICE PROVIDER IS ACTING AS
YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD PARTY. You agree that HSBC, its affiliates,
service providers and partners shall be entitled to rely on the foregoing authorization, agency and power of attorney granted
by you.
YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND
INCURRED AS A RESULT OF (1) OUR ACCESS TO THE ACCOUNTS; (2) OUR DEBIT AND/OR CREDIT OR INABILITY TO
DEBIT AND/OR CREDIT THE ACCOUNTS IN ACCORDANCE WITH YOUR BANK TO BANK TRANSFERS INSTRUCTIONS;
(3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED
FROM THE ACCOUNTS; (4) ANY CHARGES IMPOSED BY ANY PROVIDER OF ACCOUNTS AND (5) ANY FUNDS
TRANSFER LIMITATIONS SET BY THE FINANCIAL INSTITUTIONS OR OTHER PROVIDERS OF THE ACCOUNTS.
Not all types of accounts are eligible for the Bank to Bank Transfers service. Bank to Bank Transfers allows personal
accounts in your name to be added to your profile. Business accounts are not eligible to be used with the Bank to Bank
Transfers service. Be sure to check with your financial institution for restrictions regarding transfers among your retirement
(401k, IRA, etc.), savings, trusts, loans, custodial, and other account types. We are not responsible for any costs or losses
incurred from Bank to Bank Transfers that are not permitted under such restrictions by the provider of your Account or those
imposed by applicable law.
5. Electronic Communications
A. General Consent; Categories of Records.
Bank to Bank Transfers is an electronic, Internet-based service. Therefore, you understand and agree that this Agreement
will be entered into electronically, and that the following categories of information ("Communications") may be provided by
electronic means:
This Agreement and any amendments, modifications or supplements to it.
Your records of Bank to Bank Transfers and other transactions through the Service, including without limitation
confirmations of individual transactions.
Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation
those required by federal or state law.
Any customer service communications, including without limitation communications with respect to claims of error or
unauthorized use of the Service.
Any other communication related to the Service.
Although HSBC reserves the right to provide Communications in paper format at any time, you agree that we are under no
obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." You should
print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your
records. If you do not agree to receive this Agreement or the Communications electronically, you may not use the Service.
B. How to Withdraw Consent.
If you have registered for the Service and you wish to withdraw your consent to have Communications provided in electronic
form, you must cancel any pending transfer requests (within the time period permitted by the Service cancellation policies)
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and stop using the Service.

C. How to Update Your Records.
You agree to promptly update your registration records if your email address or other information changes. You may update
your records, such as your email address, by using the Customer Service page in Personal Internet Banking.
D. Delivery of Electronic Communications.
Communications may be posted on the pages of the Service website or other website disclosed to you and/or delivered to
the email address you provide. Any electronic Communication sent by email will be deemed to have been received by you
when HSBC sends it to you, whether or not you received the email. If the Communication is posted on the Service, then it
will be deemed to have been received by you no later than five (5) business days after HSBC posts the Communication on
the pages of the Service, whether or not you retrieve the Communication. An electronic Communication by email is
considered to be sent at the time that it is directed by HSBC's email server to the appropriate email address. An electronic
Communication made by posting to the pages of the Service is considered to be sent at the time it is publicly available. You
agree that these are reasonable procedures for sending and receiving electronic Communications.
E. Email Requirements.
In order to access and retain Communications, you must have:
An email account and email software capable of reading your email.
6. Privacy Policy and Confidentiality
In order to provide Bank to Bank Transfers, we must obtain from you certain personal information about you, your Accounts,
and your transactions (referred to herein as "User Information"). You represent that you have the right to provide such User
Information and that you give us the right to use the User Information.
You can see a full description of our privacy policy by clicking on the "Privacy" located in the footer of the Personal Internet
Banking web site.
7. Business Days
The Service will process requests for transfers on business days. The business days for Bank to Bank Transfers are Monday
through Friday. Federal Reserve Bank Holidays are not included.
8. Transfer Types and Limitations
A. Types of Transfers
You may use this service to transfer funds to or from an HSBC account and another personal account in your name at
another U.S. financial institution or an approved service provider investment account via the web. Transactions may be
scheduled to occur one time, for a future date, or recurring.
Some of these services may not be available at all times. We may from time to time make available additional or new
features to the Service, including but not limited to, a next day service and a higher limit service. You will be approved or
declined for any such additional service at our sole discretion and additional terms and conditions may apply. Please ensure
that you have sufficient funds to effect any Bank to Bank Transfers from your Accounts. We may at any time decline to effect
any Bank to Bank Transfer that we believe may violate applicable law.
B. Dollar Amount of Transfers
You may not make Bank to Bank Transfers in excess of limits described on the Service. We reserve the right to change from
time to time the dollar amount of the Bank to Bank Transfers you are permitted to make using our Service. Without limiting
the foregoing, in the event that your use of the Service has been suspended and reinstated as provided herein (see
"Suspension and Reinstatement of Bank to Bank Transfers" below), you understand and agree that your use of the
Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us.
C. Transfers Subject to the Rules of the Accounts
Additionally, all Bank to Bank Transfers are also subject to the rules and regulations governing the relevant Accounts. You
agree not to effect any Bank to Bank Transfers from or to an Account that are not allowed under the rules or regulations
applicable to such accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in
violation of OFAC regulations.
9. Rejection of Transfers
We reserve the right to decline to effect any Bank to Bank Transfer, to submit Bank to Bank Transfer instructions or orders or
to carry out change or cancellation requests.
10. Authorization
You authorize us to select any means to execute your Bank to Bank Transfer instructions. You understand that to effect
your Bank to Bank Transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we
debit one of your Accounts and credit another of your Accounts. Once your Account has been debited, we credit our service
provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are
reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service
provider will credit your Account. The sole purpose for our service provider's transfer account is to complete your Bank to
Bank Transfer requests and for performing the services within the scope of this Agreement. The service provider earns no
interest on the funds in the transfer account. If the debit side fails or is returned for any reason and the credit side has been
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released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of
the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or
uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize
us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a
portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the
Account.
You understand and agree that we may from time to time impose additional charges in connection with your Bank to Bank
Transfers transactions. HSBC will notify you of such fee in advance of the transaction and according to applicable rules and
regulations. If you choose to proceed with the transaction, you authorize HSBC to debit your account in the amount
indicated.
In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such
transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account
as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to the extent
necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any
such transfer or transfers to the applicable Account in accordance with this Agreement.
You understand and agree that in the event we are unable to execute your Bank to Bank Transfers request utilizing the ACH,
we may utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire
transfer or check.
11. Suspension and Reinstatement of Bank to Bank Transfers
In the event that we at any time incur a problem with your use of the Service, including without limitation a failure in
attempting to debit any of your Accounts or to collect with respect to any of your Bank to Bank Transfers as described
above, and without limiting any other right or remedy that we may have under this Agreement or otherwise, we reserve the
right to suspend your right to use the Service, immediately and without prior notice to you. You understand and agree that
such action is reasonable for us to take in order to protect itself from loss. In the event of such suspension, you may request
reinstatement of your service by contacting us using any of the methods provided for under this Agreement (see "Error
Reporting and Claims," below). We reserve the right in our sole discretion to grant or deny reinstatement of your use of the
Service. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate your Service
subject to lower per-transaction and monthly dollar limits and/or with other restrictions than otherwise might be available to
you. Based upon your subsequent usage of the Service, HSBC in its sole discretion may thereafter restore your ability to
effect transfers subject to such higher limits as may then be in effect (see "Dollar Amount of Transfers," above).
12. Documentation
You may access a statement of all Bank to Bank Transfers effected or pending at any time by clicking on the 'History' tab
located within the Bank to Bank Transfers service. If a Bank to Bank Transfer could not be completed, HSBC and/or our
service provider, upon learning that the Bank to Bank Transfer has failed, will make a reasonable effort to complete the
transfer. If the Bank to Bank Transfer fails a second time, we will notify you to contact your financial institution or other
provider of the relevant Account to learn more about the failure.
13. Your Responsibility for Errors
You understand that we must rely on the information provided by you and you authorize us to act on any instruction which
has been or reasonably appears to have been sent by you, to submit Bank to Bank Transfer instructions on your behalf. You
understand that financial institutions receiving the Bank to Bank Transfer instructions may rely on such information. We are
not obliged to take any further steps to confirm or authenticate such instructions and will act on them without getting further
confirmation. You understand that if you provide us with incorrect information or if there is any error in your instruction we will
make all reasonable efforts to reverse or delete such instructions, but you accept full responsibility for losses resulting from
any of your errors, duplication, ambiguities or fraud in the information that you provide. You agree not to impersonate any
person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or
incomplete, without limiting other remedies, HSBC reserves the right to recover from you any costs or losses incurred as a
direct or indirect result of the inaccurate or incomplete information.
14. Error Reporting and Claims
For Error Resolution procedures concerning your personal HSBC accounts, you may refer to the Personal Internet Banking
Terms and Conditions at any time by clicking on the Terms and Conditions link within the footer of the Personal Internet
Banking web site and then clicking "Personal Internet Banking" in the "Other Terms & Conditions" section of the right hand
menu. We are not responsible for errors, delays and other problems caused by or resulting from the action or inaction of
financial institutions holding the Account. Although we will try to assist you in resolving any such problems, you understand
that any such errors, delays or other problems are the responsibility of the relevant financial institution. Any rights you may
have against a financial institution for such errors, delays or other problems are subject to the terms of the agreements you
have with such financial institution, including any time limits during which complaints must be made.
15. Proprietary Rights
You acknowledge and agree that HSBC and/or our service provider own all rights in and to the Bank to Bank Transfers. You
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are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute,
or create derivative works, reverse engineer or reverse compile HSBC and/or our service provider's Bank to Bank Transfers or
any of HSBC's and/or our service provider's services or technology.
16. No Unlawful or Prohibited Use
As a condition of using the Service, you warrant to us that you will not use the Service for any purpose that is unlawful or is
not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further
warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the
Service or interfere with any other party's use and enjoyment of the Service. You may not obtain or attempt to obtain any
materials or information through any means not intentionally made available or provided for through the Service. You agree
that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.
17. Service Changes and Discontinuation
We may modify or discontinue the Service or your use of the some or all accounts within the service, with or without notice,
without liability to you, any other user or any third party. We reserve the right, subject to applicable law, to terminate your
account within the Service and your right to use the Service at any time and for any reason, including without limitation if we,
in our sole judgment, believe you have engaged in conduct or activities that violate any of the Terms or the rights of HSBC
and/or our service provider, or if you provide us with false or misleading information or interfere with other users or the
administration of the Services. We reserve the right to charge a fee for the use of the Service and any additional services or
features that we may introduce. You understand and agree that you are responsible for paying all fees associated with the
use of our Bank to Bank Transfers.
You can terminate your Bank to Bank Transfer service with HSBC at any time by clicking on "Remove Bank to Bank
Transfers" located under 'Customer Service' in the Personal Internet Banking left hand navigation. You can also send a
secure 'BankMail' from Internet Banking or call our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722), to
unsubscribe from this service. Representatives are available Monday - Sunday 7:00am - 12:00am ET and will be happy to
help.
18. Service Charges
There are no transaction fees when you transfer funds via the Bank to Bank Transfer service.
19. Security Procedures
You understand that the financial institution at which an Account is maintained may contact us to verify the content and
authority of Bank to Bank Transfer instructions and any changes to those instructions. You understand that, as your agent,
we may provide to such financial institution such information as may be required to verify the instructions and may constitute
a valid security procedure under the rules governing such Account.
20. Deviating from Security Procedures
You agree to allow us to authorize any financial institution at which you have an Account to accept funds and transfer
instructions in accordance with any authorization procedures as may be agreed from time to time between you and such
financial institution, or between us, on your behalf, and such financial institution, without verifying the instructions under the
established security procedures, regardless of whether such security procedures were agreed by you directly or by us on
your behalf. In addition you agree that we may authorize such financial institutions to charge and debit your accounts based
solely on these communications.
21. Account Number Policy
If Bank to Bank Transfer instructions identify a bank or beneficiary by name and account number, the relevant financial
institution may execute those instructions by reference to the number only, even if the number does not correspond to the
name. You understand that such financial institutions may not investigate discrepancies between names and numbers. In
addition, you agree that we have no responsibility to investigate discrepancies between names and numbers.
22. Joint Account Holder
By using Bank to Bank Transfers, you confirm that, if any of your Accounts is a joint account, your joint account holder has
consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder
notifies us that (i) they never consented to your use of our Bank to Bank Transfers service, (ii) the joint account can no longer
be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account.
23. Means of Transfer
You authorize us to select any means we deem suitable to provide your Bank to Bank Transfer instructions to the applicable
financial institution. These choices include banking channels, electronic networks, and funds transfer systems. You agree to
be bound by the rules and regulations that govern the applicable funds transfer systems, such as automated clearinghouse
(ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to
ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal
period and if any interest is earned will be the property of HSBC.
24. Our Liability
If we do not provide a funds transfer instruction on time, if we cause an incorrect amount to be removed from an Account or if
we cause funds from an Account to be transferred to any account other than the Account specified in the applicable funds
transfer instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected
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funds to the proper Account. HSBC is not responsible or liable if your financial institution's system fails and we are unable to
complete the transfer. Except as otherwise required by law, HSBC shall in no other event be liable for any losses and
damages other than those arising from gross negligence or willful misconduct on our part or if we breach a representation or
warranty of HSBC hereunder.
You agree that your transfer instructions constitute authorization for us to complete the transfer. You represent and warrant
to us that you have enough money in the applicable Accounts to make any Bank to Bank Transfer you request that we make
on your behalf through the Service. You understand and agree that we are not liable under any circumstances for any losses
or damages if, through no fault of ours, you do not have enough money to make the Bank to Bank Transfer and the Bank to
Bank Transfer is not completed or is later reversed or if your financial institution does not permit the transfer or the Bank to
Bank Transfer would exceed the credit limit on any applicable overdraft line.
You also understand and agree that we are not responsible for any losses or damages if circumstances beyond our control
(such as fire or flood) prevent us from making a Bank to Bank Transfer or if the HSBC website was not working properly and
you knew about the breakdown when you started the Bank to Bank Transfer.
25. Your Right to Cancel a Bank to Bank Transfer
You can cancel or stop a single Bank to Bank Transfer anytime before the debit transaction is sent to the Federal Reserve
Bank through the Bank to Bank Transfers service via Personal Internet Banking. If the transfer is a recurring transfer set up
on the Bank to Bank Transfers service, then you can cancel that Transfer through the use of Bank to Bank Transfers via
Personal Internet Banking as long as the request is received before the Process Date of the next recurring transfer. Once a
recurring transfer is cancelled, all future transfers will be cancelled and you must reschedule it if you want transfers to be
made in the future.
26. Limitation of Warranty and Liability
YOU UNDERSTAND AND AGREE THAT OUR BANK TO BANK TRANSFERS SERVICE IS PROVIDED "AS-IS." EXCEPT
AS OTHERWISE PROVIDED IN THIS AGREEMENT OR AS REQUIRED BY LAW, WE ASSUME NO RESPONSIBILITY
FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR
PERSONALIZATION SETTINGS. YOU UNDERSTAND AND EXPRESSLY AGREE THAT USE OF THE BANK TO BANK
TRANSFERS SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR
OTHERWISE OBTAINED THROUGH THE USE OF THE BANK TO BANK TRANSFERS SERVICE IS DOWNLOADED OR
OBTAINED AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY
DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT
RESULTS FROM THE DOWNLOAD OR THE OBTAINING OF SUCH MATERIAL AND/OR DATA.
EXCEPT AS EXPRESSLY SET FORTH ON THE HSBC WEB SITE OR IN THIS AGREEMENT, WE DISCLAIM ALL
WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL
PROPERTY OR THIRD PARTY RIGHTS, AND WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE
RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE BANK TO BANK TRANSFERS SERVICE, THE
ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE BANK TO BANK TRANSFERS
SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US FROM THE ACCOUNTS OR THAT THE BANK
TO BANK TRANSFERS SERVICE WILL MEET ANY USER'S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE
OR ERROR FREE.
EXCEPT AS DESCRIBED IN THIS AGREEMENT, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL,
SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE
INABILITY TO USE THE BANK TO BANK TRANSFERS SERVICE, ANY INACCURACY OF ANY INFORMATION OR
AMOUNT RETRIEVED BY US FROM THE ACCOUNTS, ANY BREACH OF SECURITY CAUSED BY A THIRD PARTY,
ANY TRANSACTIONS ENTERED INTO BASED ON THE BANK TO BANK TRANSFERS SERVICE, ANY LOSS OF,
UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST OF
PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS
OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES.
27. Indemnification
You agree to indemnify, defend and hold harmless HSBC, its service provider, its affiliates, partners, officers, directors,
employees, consultants, service providers and agents from any and all third party claims, liability, damages and/or costs
(including, but not limited to, attorneys' fees) arising from your use of the Bank to Bank Transfers service, our reliance on the
information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, your violation of
the Terms or your infringement, or infringement by any other user of your Accounts, of any intellectual property or other right
of any person or entity.
28. Miscellaneous
You understand and agree that our service provider is not a bank, a broker-dealer firm, or any other kind of financial
institution. You represent and warrant that you are who you claim to be; that you are the rightful owner of all Content and the
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Accounts linked for the purposes of the Bank to Bank Transfers; and that you are rightfully authorizing us to access the
Accounts.
You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement,
the limitations on our liability and our rights to indemnification under this Agreement are continuing and shall survive the
termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions.
HSBC's failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of HSBC's right
to subsequently enforce such provision or any other provisions of this Agreement.
The most current version of this Agreement as it appears on our website, including any amendments that we may make from
time to time, constitutes the entire agreement between us, and supersedes and replaces all other agreements or
understandings, whether written or oral, regarding the Bank to Bank Transfers service. This Agreement may be amended, or
any of HSBC's rights waived, only if HSBC agrees in writing to such changes, or you continue using the Bank to Bank
Transfers service following receipt of notice of any changes proposed by HSBC. All notices to you shall be in writing and
shall be made either via email, conventional mail or messages delivered through the Services, at HSBC's discretion. All
notices to HSBC must be made in writing and sent to HSBC via registered or certified mail.
HSBC Bank USA, N.A.
P.O. Box 2013
Buffalo, NY 14240
This Service and these Terms are personal to you and may not be assigned to anyone by you.
If either of us has any dispute or disagreement with the other regarding this Service that we cannot resolve amicably, both
parties agree that the sole and exclusive remedy shall be binding arbitration in accordance with the then-current rules and
procedures of the American Arbitration Association. This Service shall be governed by and construed in accordance with the
laws of the State of New York, without giving effect to its conflict of laws provisions or your actual state or country of
residence. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable,
the remainder of the Terms will continue in full force and effect.
Electronic Funds Transfer Provisions for Consumers
The provisions in this section apply only to electronic funds transfers that debit or credit a consumer's checking, savings or
other asset account and are subject to the Federal Reserve Board's Regulation E (an 'EFT'). HSBC may rely on any
exceptions to the provisions in this section that are contained in Regulation E. All terms not otherwise defined in these
Terms and Conditions which are defined in Regulation E will have the same meanings when used in this section as they do
in Regulation E.
Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
If you notify us within two business days after learning of the loss or theft of your password, your liability will not exceed
the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us.
If you fail to notify us within two business days after learning of the loss or theft of your password, your liability will not
exceed the lesser of $500 or the sum of:
$50 or the amount of unauthorized EFTs that occur within the two business days, whichever is less; and
The amount of unauthorized EFTs that occur after the close of two business days and before notice to us, provided we
establish that these EFTs would not have occurred had you notified us within that two-day period.
You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittal of the
statement to avoid liability for subsequent transfers. If you fail to do so, your liability will not exceed the amount of the
unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish that they would
not have occurred had you notified us within the 60-day period. You may, as applicable, also be liable for the amounts
described in the two immediately preceding paragraphs.
If your delay in notifying us was due to extenuating circumstances, we will extend the times specified in the three
immediately preceding paragraphs to a reasonable period.
Telephone Number and Addresses
The telephone number and address to be used to notify HSBC when you believe that an unauthorized EFT has been or may
be made are:
Customer Service at 1-800-975-HSBC (1-800-975-4722) (24 hours a day, 7 days a week)
Or you may write to HSBC Bank USA, National Association, PO Box 2013, Buffalo, NY 14240
Your Right to Receive Documentation of Transfers
You will receive a periodic statement in the mail for each Account, unless you have chosen to receive eStatement Service, or
you have an HSBC online-only Account that provides electronic delivery of all notices, statements and disclosures. Your
statement will reflect all your transactions, including your Personal Internet Banking transactions. If you have registered for
the Bill Pay service, your periodic statement will reflect bill payments.
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Liability for Failure to Complete Personal Internet Banking Transactions

If we do not complete a Personal Internet Banking Transaction on time or in the correct amount according to this agreement
with you, we will be liable for your losses or damages caused by such failure but not for any special or consequential
damages, unless required by applicable law. However, there are some exceptions. We will not be liable for any indirect,
incidental, special or consequential damages if our failure was not intentional and resulted from a bona fide error,
notwithstanding our procedures to avoid such error, for instance:
IF you do not have enough available funds in your Account to make your transfer, unless you have authorized HSBC to use
your usable balance from your HSBC Premier with Sweep Account, your Asset Management Account, your Commercial
Asset Management Account, your Money Market Mutual Fund Account, or available credit from your MasterCard,
VISA, Select Credit Account or Express Line Account.
IF your computer malfunctions.
IF the Web Browser or the processing center of HSBC or its agent that is used for Personal Internet Banking is not
working properly and you knew or were advised by HSBC or its agent about this when you made the Internet Banking
Transaction.
IF circumstances beyond our control (such as fire, flood, computer failure or interference from an outside force) prevent the
Personal Internet Banking transaction from being properly made or completed.
IF your Password or Username has been reported lost or stolen or we have reason to believe that the Personal Internet
Banking transaction is unauthorized.
IF the transaction would violate any applicable provision of any risk control program or applicable policies, procedures or
practices, or government regulations.
IF we have reasonable cause not to honor an instruction for our protection or for yours.
IF your Personal Internet Banking access has been suspended.
IF the funds in your Account are subject to legal process or other encumbrance restricting the transfer.
IF the Bill Payment Process Date is not at least 5 (five) Business Days prior to the due date of such payment.
IF the payee has a mailing address outside the U.S. or if the Bill Payment is to pay any taxes, or to make a court-ordered
or directed payment.
There may be other exceptions stated in our agreements with you.
In Case of Errors or Questions About Your Personal Internet Banking Transactions
If you think your Account statement sent to you by HSBC or transaction information obtained by you through Personal
Internet Banking is wrong or if you need more information about a Personal Internet Banking transfer listed on that statement,
contact us as soon as possible. You must notify us no later than 60 calendar days after we sent, or you obtained through
Personal Internet Banking, the first statement in which the problem or error appeared. Call the telephone number on your
statement or 1-800-975-HSBC (1-800-975-4722). Representatives are available Monday - Sunday 7:00am - 12:00am ET.
You may also write HSBC at:
HSBC Bank USA, National Association
PO Box 2013
Buffalo, NY 14240
1. Tell us your name and the Account number.
2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or
why you need more information.
3. Tell us the dollar amount of the suspected error.
4. Tell us the date the error occurred.
If you inform us verbally, we may require that you send us your complaint or question in writing within 10 Business Days.
We will report back to you within 10 Business Days after we hear from you and will correct any error promptly. If we require
more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this,
we will credit your Account within 10 Business Days for the amount you think is in error, so that you can use the money
during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do
not receive it within 10 Business Days, we do not have to re-credit your Account.
If a notice of error involves a Personal Internet Banking transaction that occurred within 30 days after the first deposit to the
account was made, the time period for action listed above will be 20 Business Days in place of 10 Business Days and the
time period for investigation will be 90 calendar days in place of 45 calendar days.
If we decide that there was no error, we will send you a written explanation within 3 Business Days after we finish our
investigation. You may ask for copies of the documents that we used in our investigation.
If your Account is in the joint names of you and one or more other persons, then each of you will be responsible for Personal
Internet Banking transactions made by any of you.
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Electronic Delivery of Notices and Disclosures

If you choose the eStatement Service for HSBC Bank Product account(s), or, for your HSBC online-only Account(s) which
all require the eStatement Service, you will receive an email alert when your periodic online statement is ready or when
notices or other disclosures are available. It is your responsibility to inform us of any changes to your email address.
HSBC Bank Product accounts - Personal Checking accounts must be enrolled in RecordCheck (your checks are not
returned to you) to be eligible to receive an eStatement. Personal Savings accounts are eligible for eStatements.
Any statement shown on Personal Internet Banking that does not have the electronic statement indicator selected will
continue to be delivered through the U.S. Mail.
No paper statements, notices or other disclosures will be mailed for HSBC online-only Accounts.
Primary account holders enrolled for eStatements will receive their 1099-INT annual interest statement in the left navigation
under eStatements after January 1st of each year. In the event that you are unable to print your 1099-INT from the Personal
Internet Banking service you may request a paper copy by sending a BankMail request.
Accessing eStatements
HSBC will send electronic notice to the email address provided and deliver selected periodic account statements, notices
and other disclosures to your HSBC Personal Internet Banking account. You will have access to an electronic version of your
account statement(s) for up to 12 months. This service provides you with the flexibility to print and save account statements
that are made available online. You may select electronic delivery of one or all of the listed statements. Electronic delivery is
required for all HSBC online-only accounts.
Your paper statement on request
At your request, HSBC will send you a paper copy of your electronic statement previously delivered through the Personal
Internet Banking service at any time. HSBC's standard fee then in effect and charged for paper delivery copies of account
statements will apply. Paper copies of electronic statements can be requested by contacting HSBC's Customer Relationship
Center at 1-800-975-4722 or other location as HSBC may advise. A request for a paper copy does not cause a termination of
the electronic statement service. A paper copy of electronic statements can be obtained until the copy is no longer required
to be maintained as a record for the designated account under applicable law or regulation.
HSBC will not mail to you paper copies of account disclosures, statements, notices and other communications for accounts
included in your eStatement Service, including any applicable IRS Forms 1099. To request a paper copy of account
disclosures, statements, notices, and other communications for HSBC Bank Product accounts, you must write to HSBC
Bank USA, N.A., PO Box 4045, Buffalo, NY 14240 or NewRequest@us.hsbc.com.
If you want to withdraw consent for the eStatement Service for your HSBC online-only account(s), you will have to close the
HSBC online-only account(s).
Joint personal account holders
Each joint account holder may sign up to receive eStatements individually. To cancel the eStatement Service, only one
owner of the account needs to request the change. The eStatement Service cannot be cancelled for HSBC online-only
Accounts.
HSBC may deliver paper disclosures at its discretion, HSBC may deliver statements, notices, agreements, disclosures
and information about your account(s) in paper form to your last postal mailing address of record.
HSBC will send an email alert when your eStatement is available The only notice that you will receive advising you
that your electronic periodic statement has been posted to Personal Internet Banking will be by email alert sent to the single,
specific email address selected and confirmed and validated by you upon enrollment. One attempt will be made to notify you
by email that your eStatement is available to view. If the email address provided is returned as "undeliverable", you will be
prompted to enter a new email address the next time you attempt to use the eStatement Service in Personal Internet
Banking. This email will be the only notice you will receive and no other notice will be sent. Any and all notices sent by
HSBC to the email address will constitute sufficient and effective delivery to you and all owners of the information contained
in your electronic statement whether or not you access or review the notice, Personal Internet Banking site or specific
electronic statement, and shall be deemed to have been delivered to you personally, whether actually received or not. You
agree to maintain access to Personal Internet Banking in a manner that gives you continuous ability to access, review and
print your electronic statements and to receive and access all notices sent to you at the designated email address. It is your
sole responsibility to advise HSBC immediately of any changes or updates to the designated email address. There are
certain risks associated with the transmission of email notices through the Internet including but not limited to unauthorized
access, system outages, delays, disruption in telecommunications services and the Internet. Email is not private or secure.
The email notice sent to you by email is an unencrypted, automatic notice. Although the notice is not intended to contain
personally identifiable confidential financial information, it may contain in its design, part or all of your name or other identifier,
which could be seen or intercepted by others if delivered to your business address or other computers or electronic devices
not exclusively under your control. Do NOT respond to the email notices by return email, or use the reply function to request
information, service, paper copies or other items or to revoke consent. HSBC will not be responsible to act upon requests
made in that manner.
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Canceling the eStatement Service

You or any designated account owner may revoke consent for the eStatement Service for one or more HSBC Bank Deposit
account(s) accessed through Personal Internet Banking, other than HSBC online-only account(s), at any time by un-enrolling
your account(s) through the eStatement Service, Modify Settings page located in HSBC's Personal Internet Banking.
Electronic posting of your electronic statement on Personal Internet Banking and transmission of related email notices will
continue until: (1) termination of the eStatement Service, (2) termination of your designated account(s) with HSBC, or (3)
termination of your Personal Internet Banking service with HSBC. HSBC may terminate the eStatement Service for any or all
designated accounts at any time. Upon such termination, delivery of paper copies of periodic account statements, notices
and disclosures will resume within a reasonable time. Termination of the eStatement Service does not affect the validity or
legal effect of any eStatement Service delivered to you or any owners of the account(s) through Personal Internet Banking.
Termination of the eStatement Service does not terminate the Personal Internet Banking service unless otherwise so stated.
To withdraw consent, or to provide updated information on how HSBC Bank USA, N.A. may contact you electronically, you
must write to HSBC Bank USA, N.A., PO Box 4045, Buffalo, NY 14240 or NewRequest@us.hsbc.com.
Hardware and Software Requirements
You agree that you have or will have access at all times to a personal computer capable of supporting at your cost; high level
browser encryption, Internet access, a valid email address, and Personal Internet Banking. You must also have access to
Adobe Acrobat Reader to utilize PDF files.
If the method of electronic delivery by HSBC changes so as to require additional software, upgrades, plug-ins or additional
security features in your hardware of software system used by you for HSBC Bank Products account(s), you may terminate
the eStatement Service or you may agree to upgrade your hardware or software system to the required standards. If you
want to withdraw consent for electronic delivery for your HSBC online-only Account(s), you will have to close the HSBC
online-only Account(s).
If HSBC determines that a change to the eStatement Service concerning any future system or hardware enhancement
creates a material risk that you may not be able to access or retain a subsequent electronic record, HSBC will notify you of
such change and allow you to withdraw consent for this eStatement Service for HSBC Bank Products account(s), whereupon
HSBC may terminate this service until you choose to enroll again in this service and deliver a new consent to participate in
this service by accepting HSBC's online consent form posted on Personal Internet Banking. If you want to withdraw consent
for electronic delivery for your HSBC online-only Account(s), you will have to close the HSBC online-only Account(s).
You understand that your accessing electronic statements through Personal Internet Banking and receiving email notices
may incur certain costs associated with email, electronic access, downloading, online time and subscription costs
associated with Internet and telecommunications service providers, paper and printing costs, and equipment or software
upgrades if necessary. You agree that you will pay all such costs and expenses in connection with your use of the
eStatement Service.
Indemnification
Except to the extent that we are liable under these Terms and Conditions or an agreement that governs an Account of yours,
if you are an owner of an Account, you agree to indemnify and hold us, our directors, officers, employees and agents
harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an
Account or the performance of Personal Internet Banking, EasyView, or Bill Pay Services. This indemnification is provided
without regard to whether our claim for indemnification is due to the use of Personal Internet Banking by you or your
authorized representative.
Limitation of Liability
Except as specifically provided in these Terms and Conditions or where applicable law requires a different result, NEITHER
WE NOR OUR SERVICE PROVIDERS OR OTHER AGENTS WILL BE LIABLE FOR ANY LOSS OR LIABILITY RESULTING
IN WHOLE OR IN PART FROM ANY ACT OR FAILURE TO ACT OF YOUR EQUIPMENT OR SOFTWARE, OR THAT OF
AN INTERNET BROWSER PROVIDER, OR BY AN INTERNET ACCESS PROVIDER, BY AN ONLINE SERVICE
PROVIDER OR BY AN AGENT OR SUBCONTRACTOR FOR ANY OF THEM, NOR WILL WE OR OUR SERVICE
PROVIDERS OR OTHER AGENTS BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL
ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF YOUR ACCESS TO OR USE OF, OR FAILURE TO
OBTAIN ACCESS TO PERSONAL INTERNET BANKING, EASYVIEW, OR BILL PAY SERVICES.
BankMail (Secured Email)
We will respond to your BankMail promptly after we receive it. Do not use BankMail if you need to contact us immediately.
Call us at 1-800-975-HSBC (1-800-975-4722) Monday - Sunday 7:00am - 12:00am ET. We may use BankMail to
communicate occasional updates of new features, surveys and special offers from HSBC.
Recording of Phone Calls and Email
You authorize HSBC and its agents to record or copy any phone call made to or email sent to HSBC concerning Internet
Banking.
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5/12/13
Fees
Personal Internet Banking and the Bill Pay service are FREE to all HSBC Customers. Your Internet service provider may
charge fees. Electronic transaction charges may apply. Please refer to your account agreement.
Business Accounts on Personal Internet Banking
You acknowledge that HSBC offers Business Internet Banking and HSBCnet for business accounts. Business Internet
Banking and HSBCnet provide additional security features. Personal Internet Banking is primarily intended for consumer
accounts. Business Internet Banking provides built-in security features permitting you to establish transfer and account
access limitations that are not available on Personal Internet Banking. You have chosen not to use Business Internet
Banking and have authorized HSBC to accept funds transfer instructions affecting your business accounts by Personal
Internet Banking.
You acknowledge responsibility for all funds transfers affecting your business accounts initiated using Personal Internet
Banking. HSBC shall have no duty to verify the identity of the person or persons using your Personal Internet Banking
Account to transfer funds and transact on your business accounts other than the standard authentication security
procedures provided for Personal Internet Banking.
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.
Changes to the Terms of the Agreement
HSBC may change this Agreement by electronically sending to you a BankMail notice, mailing to you a notice or posting a
notice of such change in an HSBC branch where you maintain your Account. However, if the change results in (1) increased
or new fees or charges, (2) increased liability for you, (3) fewer types of available Personal Internet Banking services, or (4)
stricter limitations on the frequency or dollar amounts of transfers, then, unless the change must be made immediately for
security reasons, at least 30 days before the effective date of the change HSBC will either electronically send you a
BankMail notice or mail a written notice to you.
Any notice to you will take effect when it is personally delivered to you or by BankMail to you by Internet Banking or mailed
to the last address we have for you in our records.
Other Rules
Personal Internet Banking transactions are also subject to HSBC account agreements and rules, and your access and use
of Personal Internet Banking is also subject to these terms and conditions.
Termination
HSBC may cancel your Personal Internet Banking access without prior notice if there has been no Personal Internet Banking
activity for a period of 6 consecutive months or for any other reason. HSBC may suspend your Bill Payment service without
prior notice if there has been no Bill Payment activity for a period of 3 consecutive months or for any other reason. You may
cancel the EasyView Service at any time by sending a request for cancellation via the secure email form on the EasyView
site. Upon confirmation of your request, your EasyView Service will be cancelled and all your account information will be
deleted. Please keep in mind that extended periods of inactivity may also result in your EasyView Service being cancelled. If
your Personal Internet Banking access is cancelled for any reason your access to EasyView Service will also be cancelled.
Assignment
We may assign our rights under this Agreement to a company affiliated with us or to any other party.
Applicable Law
This Agreement shall be governed by the laws of the State of New York and applicable federal law and regulations.
GLOBAL TRANSFER FEE ("GT FEE" or "GT FEES TARIFF")
If you have access to the Global Transfer service, you may be able to authorize a transfer of funds or to schedule future
transfers of funds from your US Dollar deposit accounts with HSBC Bank USA, N.A. to another deposit account with an
HSBC Group member in another country. If a transfer is made from a US Dollar account with HSBC Bank USA, N.A. using
Global Transfers, a fee will apply to the transfer as set forth below:
GT Fee: $7
Assessed when a transfer is made if you are an Advance customer at that time. This fee will be waived if you are a Premier
customer at the time of transfer.
The foregoing fee may change from time to time, you will receive notice of changes as required by applicable law. The
amount of the fee charged to your account will be the fee that is in effect on the date of transfer.
(Rev 11/11)
15/16
5/12/13
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Terms and Conditions Print View

Terms and Conditions

HSBC Personal Internet Banking Terms and Conditions

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Line of Credit Accounts

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Date Immediate Transfer will be made

On a Business Day - before

Same Business Day that the transfer is requested.

On a Business Day - after

Next Business Day after the transfer is requested.

On a day other than a Business Day

Next Business Day after the transfer is requested.

Date of Scheduled Transfer Request

Date Scheduled Transfer will be made

On a Business Day - before

Same Business Day that the transfer is requested.

On a Business Day - after

Next Business Day after the transfer is requested.

On a day other than a Business Day

Next Business Day after the transfer is requested.

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and stop using the Service.

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Liability for Failure to Complete Personal Internet Banking Transactions

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Electronic Delivery of Notices and Disclosures

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Canceling the eStatement Service

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