Phone Banking Terms Corporate Accounts

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1 Phone Banking Terms Corporate Acconts

2 If there is any inconsistency between the terms and conditions applying to an Accont and these Phone Banking Terms, these Phone Banking Terms prevail in respect of the se of the Phone Banking Service. These Phone Banking Terms are effective as from 2 March The following terms have the following meaning in these Phone Banking Terms: Accont means an accont that yo or a third party has with HSBC that is governed by the terms and conditions contained in the Corporate Banking Deposit Acconts Prodct Disclosre Statement and which yo nominate to be accessed (or, where the accont is a third party s accont, which yo and the third party nominate to be accessed) via the Phone Banking Service. Bsiness Administrator means a person yo nominate who is empowered to se the Phone Banking Service and appoint Users. PBN means the 10-digit Personal Banking Nmber spplied to a User/Bsiness Administrator and by which HSBC identifies a User/Bsiness Administrator for the prpose of sing the Phone Banking Service. Phone Banking Service means the telephone service made available by HSBC s Direct Service Centre 24 hors, 7 days a week every day of the year and is accessible by telephone. PIN means the personal identification nmber provided by HSBC to yo for se as an access code when registering for the Internet Banking Service. Unathorised means withot the knowledge and consent of yo or a User/Bsiness Administrator. 1

3 User means yo and any other person athorised by yo (or by a Bsiness Administrator on yor behalf) and HSBC to se the Phone Banking Service. Condition precedent The Phone Banking Service is only available if yo have accepted the terms and conditions applying to HSBC s Bsiness Internet Banking Service (as contained in the Prodct Disclosre Statement for the bsiness Internet Banking Service). Acceptance The first se by a User/Bsiness Administrator of the Phone Banking Service will constitte yor acceptance of these Phone Banking Terms. Use of the Phone Banking Service The Phone Banking Service can be sed by a User/Bsiness Administrator to: Check Acconts balances Receive transaction information The Phone Banking Service cannot be sed to condct transactions or fnds transfers. Users/Bsiness Administrators A User s/bsiness Administrator s access to yor Acconts sing the Phone Banking Service is governed by these Phone Banking Terms and, where a User or Bsiness Administrator is also an Athorised Signatory as defined in the Corporate Banking Deposit Acconts Prodct Disclosre Statement, the relevant sections of the terms and conditions in the Corporate Banking Deposit Acconts Prodct Disclosre Statement that apply to the Accont and Athorised Signatories. Yo mst ensre that each User/Bsiness Administrator protects their PIN in accordance with these Phone Banking Terms. 2

4 Termination Yo may stop the se of the Phone Banking Service by any or all Users/Bsiness Administrators at any time by giving written notice to HSBC. However, yor cancellation of a User s/bsiness Administrator s athority will not be effective ntil yor notification of the cancellation is received by HSBC. HSBC may terminate the Phone Banking Service at any time by giving yo a written notice. HSBC may sspend or cancel a User s/bsiness Administrator s PIN at any time withot notice if it believes the PIN is being missed, there is a concern as to the secrity of the PIN or there is noncompliance with these Phone Banking Terms. When a PIN has been cancelled by HSBC, Users/Bsiness Administrators mst not attempt to se the cancelled PIN again. Access to the Phone Banking Service Yo agree that any person who spplies HSBC with a User s/bsiness Administrator s PBN and PIN may be allowed access to the Phone Banking Service and that HSBC will act on instrctions provided. HSBC may change a User/Bsiness Administrator s PBN or PIN, at any time, by notifying the User/Bsiness Administrator in writing. Users/Bsiness Administrators may change their PIN at any time and will be reqired to do so when first spplied with their PIN. Recording telephone calls HSBC may record telephone calls made to HSBC s Direct Service Centre for training, verification, athentication and qality control prposes. Secrity of Access Methods Each User/Bsiness Administrator mst keep their PIN secre to prevent Unathorised access to Acconts. 3

5 Each User/Bsiness Administrator mst take care to ensre that their PIN is not missed, lost or stolen and that their PIN does not become known to anyone else. These gidelines shold be followed by Users/Bsiness Administrators to ensre the secrity of their PINs. To protect the PIN: Memorise the PIN when it is received and destroy HSBC s notification of the PIN. Do not tell or show the PIN to another person or allow it to be seen by another person (inclding family and friends). Do not keep a record of a PIN in a way in which it can be determined by another person. Do not record a PIN and PBN together. Do not record the PIN on electronic eqipment (eg telephone or compter) or related articles withot making a reasonable attempt to disgise the PIN or prevent Unathorised access to the record. Users/Bsiness Administrators shold not select a PIN which represents their birth date as a nmeric code, or an alphabetical code which is a recognisable part of their name, their telephone nmber or anything else that cold be associated with them. Notify HSBC immediately by calling at any time if a record of a PIN is lost or stolen or if a User/Bsiness Administrator sspects that someone else may know a PIN. If a memory aid is reqired to recall the PIN sch a record may be made provided the record is reasonably disgised. Examples which we do not consider provide a reasonable disgise are: 4

6 recording the PIN as a series of nmbers with any of them marked, circled or highlighted to indicate the PIN; recording the PIN with srronding information which makes it stand ot from its context; recording the PIN as a string of digits in isolation from other information nless the context provides adeqate disgise; disgising the PIN by reversing the nmber seqence; describing the disgised record as a PIN record or similar; disgising the PIN sing alphabetical characters or nmbers eg A = 1, B = 2, C = 3, etc, or in any other easily nderstood code; selecting or disgising the PIN sing any of the following combinations (or parts of them), with the PIN in its correct seqence within the combination: dates of birth; personal telephone nmbers; car registration nmbers; family members names; social secrity nmbers; or licence nmbers. recording the PIN as a: date of birth; postcode; or telephone nmber withot additional featres of disgise; 5

7 storing the PIN in any low secrity electronic device of any kind, sch as (bt not limited to): calclators; personal compters; or electronic organisers. There may be other forms of disgise which may also be nsitable becase of the ease of another person discerning the PIN. Reporting loss, theft, breach of PIN secrity, etc Users/Bsiness Administrators mst notify HSBC immediately if a PIN becomes known to someone else or if a person has sed the Phone Banking Service withot a User/Bsiness Administrator s athority. Users/Bsiness Administrators shold notify HSBC in Astralia by calling its Direct Service Centre at any time on If overseas, Users/Bsiness Administrators shold report to any branch of an HSBC Grop member bank. If yo do not yo may be liable for any loss incrred on yor Accont. HSBC will acknowledge the notification by giving the User/Bsiness Administrator a reference nmber that verifies the date and time HSBC was contacted. The nmber is proof that HSBC was advised according to these Phone Banking Terms and shold be kept for ftre reference. HSBC will then cancel the PIN and arrange for the User/ Bsiness Administrator to select a new one. Yo agree that HSBC may disclose information abot yo or yor Accont to the police or other third parties if it thinks it will help prevent or recover losses or if it is legally obliged to do so. 6

8 Electronic system malfnctions We will make all reasonable efforts to ensre that any electronic eqipment or system provided by or on behalf of s is operational and is fnctioning correctly. We are not liable to yo if that electronic eqipment or system does not accept a User s/ Bsiness Administrator s Instrctions, or if a PIN fails to operate the electronic eqipment or system. Miscellaneos The following clases contained in the Corporate Banking Deposit Acconts Prodct Disclosre Statement docment form part of these Phone Banking Terms as if each reference to Terms and Conditions is replaced by a reference to Phone Banking Terms and, where relevant, each reference to Accont is replaced with a reference to Phone Banking Service : Code of Banking Practice and Financial Services Gide Yor Responsibilities Costs and Expenses Changes to Terms and Conditions Liabilities and Indemnities Miscellaneos Law and Jrisdiction 7

9 Issed by HSBC Bank Astralia Limited ABN AFSL HSBC (R3) 02/10

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