$0 Liability, Online Guarantee

You're 100% covered for monetary losses resulting from any unauthorized account use or online account theft including:

• HSBC Personal Internet Banking and free Bill Pay service — you will not be liable for unauthorized or fraudulent online bill payments or funds transfers resulting from online theft of your HSBC account numbers or Passwords
• HSBC credit cards — your liability for unauthorized use is $0
• HSBC Bank account — if you discover your online Password has been stolen and funds withdrawn from your account, your liability is $0
• HSBC Premier customers — $0 fraud liability Identity fraud resolution services and expense reimbursement*. if you lose your Premier World MasterCard®, we'll cancel it immediately and you will receive a replacement credit card the next day, no matter where you may be. If you lose your cash or your cards, we'll immediately provide you with $1,000 U.S. in cash to meet your temporary needs.
  
  *Provided by MasterCard.

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.