Stopping fraud before it starts.

In addition to strict security practices and sophisticated technologies, we employ a variety of measures to protect your account from unauthorized use. For example, we monitor your account for unusual activity. If we see something that doesn't fit your banking profile, we'll attempt to prevent the transaction from being completed or flag it and contact you to verify its validity.

Protecting you from unauthorized charges.

While we go to great lengths to prevent fraud, no security system in the world can stop it 100 percent of the time. If we confirm unauthorized charges involving your account or if you report them to us, we'll take necessary steps to limit the amount involved and minimize any disruption to your normal account activities. For example, we may:

• Block certain transactions
• Temporarily suspend your account from further use
• Close your account and open a new one for your use

100% coverage guaranteed.

In the event of fraud, you won't be held liable for any unauthorized charges to your personal HSBC bank account or credit cards. Our $0 liability online guarantee provides 100 percent coverage for monetary losses on transactions you haven't authorized.*

*All HSBC Personal Internet Banking customers with an HSBC personal checking, savings, Certificate of Deposit (CD) or credit card account are automatically covered. HSBC's $0 Liability, Online Guarantee is applicable to customer transactions covered by Federal Regulation E. The guarantee does not cover business and commercial accounts or accounts that are not covered under Regulation E. The $0 Liability, Online Guarantee assumes notice of fraudulent activity on eligible accounts is provided to HSBC within 60 days, and timely notice on card accounts. Assumes customer account safeguarding, personal firewalls and online security diligence outlined in HSBC's Security site.