Forged/Stolen ATM Card

Please

• Do not disclose your PIN to any other person


• Avoid using numbers related to your birthday, numbers taken from your address, home/office phone numbers or car license plate or any sequential/simple combination numbers like 1234/7777, which are easily guessed


• Do not directly write your PIN on your ATM card


• Avoid keeping a note of your PIN in your wallet, card holder, etc


• Change your PIN periodically and especially after overseas use


• Be aware that bank employees and/or policemen will never ask you to reveal your PIN


• Be aware of who is standing behind and can observe you when you input your PIN at an ATM


• Leave ATM after confirming all the operations have been completed

We, HSBC Premier in Japan, compensate our individual customers for financial losses stemming from the fraudulent use of their forged/stolen HSBC Premier ATM Cards in line with the “Law Concerning the Protection of Depositors from Illicit Deposit Withdrawals using Counterfeit/Stolen ATM Card through ATMs” and continue our efforts to enhance our security level in order to prevent customers’ financial losses through such measures as IC ATM cards and biometric pattern registration, which are already available.
Please note, however, that in the event you should suffer such financial loss and request us for the compensation, we (i) require you to submit certain documents and evidence of the incident and (ii) investigate the incident in detail including the situation regarding how the incident occurred, before we decide whether the compensation should be made. Please note, further, that there are instances of “gross negligence” that will make the customer ineligible for compensation and instances of “negligence” that will reduce the amount of compensation, as illustrated in the below section “Cases that could be customer’s gross negligence or negligence.”

Cases that could be customer’s gross negligence or negligence
1. Gross negligence
When a customer fails to fulfil his/her duty of care in such a material manner that can be deemed as willful misconduct, it will constitute the customer’s gross negligence. Typical cases are:
　①When the customer informed a third party of his/her PIN
　②When the customer wrote his/her PIN on his/her card
　③When the customer handed his/her ATM card to a third party
　④Any other material breach of duty of care by the customer to the similar degree as those in ① to ③ above

* Remarks:With regard to ① and ③ above, cases in which a customer, who is ill, personally handed his/her ATM card along with his/her PIN to the nursing helper (the customer should note that nursing helpers cannot accept the custody of ATM card as a part of their authorized business and that if they do accept it, they are acting in their own private capacity) and other unavoidable cases may qualify for exceptions.

２. Negligence
　(1)Following two cases could be regarded as negligence by the customer:
　　①Despite being given particular, specific and repeated advice to change his/her PIN from an easily deducible number (such as date of birth) to a different number, the customer keeps using a PIN made from his/her date of birth, home address, home or work telephone number, or car license plate number or a sequential/simple combination numbers like 1234/ 7777, and carries or stores the ATM card together with a document that may be used to deduce the PIN (driver’s license, health insurance certificate, passport, etc.)
　　②The customer has written his/her PIN on a memo or otherwise in a way that third parties can easily recognise it and the customer carries or stores it together with his/her ATM card

(2)In addition to (1) above, the customer’s negligence could be recognised where either (a.) or (b.) in the following ① as well as either (a.) or (b.) in the following ② are applicable and the damage arises out of the combination of them:
　　①PIN management
　　　a.)Despite being given particular, specific and repeated advice to change his/her PIN from an easily deducible number (such as date of birth) to a different number, the customer keeps using a PIN made from his/her date of birth, home address, home or work telephone number, or car license plate number or a sequential/simple combination numbers like 1234/ 7777
　　　b.)The customer uses the same PIN for purposes other than financial transactions such as lockers, safety deposit boxes and mobile phones
　　②ATM card management
　　　a.)The customer leaves his/her wallet, purse or other item which contains ATM card in a place easily spotted by third parties such as the inside of a car, making it vulnerable to theft
　　　b.)The customer becomes not sufficiently wary to perform his/her duty of care in an ordinary manner, due to intoxication or otherwise, making the ATM card vulnerable to theft

　(3)Any other breach of duty of care by the customer to the similar degree as those in (1) and (2) above could be recognised as the customer’s negligence

Please call the following number if you notice that your ATM Card is lost or stolen or find transactions which you do not know of.

Monday to Friday (except holidays) 9 am - 5 pm

In Japan: 0120-777-268 (Toll-free)
From overseas: +81-3-5204-5001