hsbc personal loan contact number

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Non-HSBC customers Within UK 03456 040 626. See our package of support to help you manage the financial impact of coronavirus. on social media channels. HSBC Bank USA, N.A. Find out more about accessing your money during the coronavirus pandemic. If you apply for a product or service, you can easily complete and share the paperwork online or by post. From outside the UK, call us on +44 1442 421 016. Fast approval within 1 minute. We would also like to remind you that, in accordance with the applicable regulations, any consumer has the possibility to register for free on the Do-Not-Call List:www.bloctel.gouv.fr. We’re taking a number of steps to make sure you can access and manage your money as usual. - Contact details of whistleblower * (for follow-up / outcome of investigation) - Confirmation if similar reports have been raised to other HSBC personnel/channels or regulators * Reasonable efforts will be made to ensure that your identity is kept confidential throughout the investigation process unless disclosure is required to facilitate the investigation or for legal or regulatory reasons. It’s a simple and secure way to manage your finances. For home equity, the Premier and non-Premier APR includes an auto-pay discount of .50% and .25%, respectively. by contacting us or calling into a UK branch. Discover a wide range of loan options with HSBC UAE, including personal loans for a holiday, funds to improve your home, or a loan to help finance your studies. HSBC Phone Banking for Premier customers . HSBC Customer Service Address. All you have to do is ask in the ‘Comment’ section when you book an appointment online. Based on the applicant’s Equifax Score Band Interest rates range from 8.50% p.a. tenure from a minimum of 12 months onwards with additional block of 6 months. Personal Loan Terms (PDF, 684 KB) Personal Banking Booklet (PDF, 1.50 MB) apply. Use our personal loan calculator to determine how much you can borrow and your monthly payment amounts. Start your application online for an HSBC Personal Loan today. Fill out our online form and we'll get back to you as soon as possible. There's no longer an option to just use your password. This is to give you added protection against the threat of fraud. We use cookies to give you the best possible experience on our website. Simply contact us on 1800-HSBC NOW ... HSBC Personal Loan will be re-named as HSBC Personal Instalment Loan. Dedicated hotline for HSBC Premier customers on: +94 11 44 72 272. Our call centres are extremely busy at the moment, please don’t contact us unless it’s urgent. Non-resident Indian (NRI) customers cannot apply. Dedicated hotline for HSBC Rewards Credit Card on: +94 11 44 72 275. Our contact centres are extremely busy at the moment, please don’t call us unless it’s urgent. Existing customers From the UK 03457 404 404. The only downside with checking the loan status using this method for the customer is that they need to keep this number … We know some of you might have queries about how your finances may be affected by COVID-19 and we're here to ensure you have the help and support you need. *Dial +33810246810 within France (service €0.09 per call + call price) and for service outside France (cost varies by operator). The loan amount/ credit limit for HSBC Personal Loans will be capped at up to one time your monthly income as indicated in the income documents submitted, subject to a maximum of S$200,000, or an amount HSBC may in its discretion determine. P.O. Enjoy a range of financial products and services with HSBC personal and online banking. Payment options. You can handle almost all your banking from the safety and comfort of your home. Loans, mortgages, savings, investments and credit cards. Saturday 9:00am to 5:30pm. We will respond to your banking queries from 8am to 7pm, Monday to Friday, excluding Public Holidays, so if there's something you need to know, please send us a Tweet. Simply SMS PIPNAME12-digit Personal Line of Credit account number to 74722. HSBC Investment Funds. Customer Type Contact details; HSBC credit card customers and other Personal Banking customers (02)8858-0000 from Metro Manila +1-800-1-888-8555 domestic toll-free for calls outside Metro Manila through PLDT landlines (02)7976-8000 or +800-100-85-800 from overseas + (International Access Code) 800-100-85-800 international toll-free for selected countries/regions HSBC Personal Banking offers a range of bank accounts with online banking 24/7, mortgages, savings, investments, credit cards, loans and insurance. In these challenging times, we're here to support our customers and employees. 1800 121 2208. You need to use a Secure Key to access both online banking and the HSBC UK Mobile Banking app. 5.99% is the lowest available APR and assumes excellent credit and a loan term of 36 months or less.The APR on your Personal Loan may be higher and will be based on your credit history, among other factors. All you have to do is click on 'réclamation' to proceed with filing your complaint. 1 Rates are applicable to new applications. HSBC Bank Personal Loan Customer Care A person can check the loan status by calling the numbers 1860 266 2667 for any financial queries including Personal Loan. If you have a physical Secure Key (which looks a bit like a calculator) and it no longer works or has been lost, we can deactivate it. Close. Our contact centres are extremely busy at the moment, please don’t call us unless it’s urgent. 1 Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment‡ balances, reserves, equity and automatic payment from an HSBC U.S. checking account. We will contact you within 2 business days about the status of your application. Personal Loan Premier Loan Car Loan ... we have different phone numbers to call depending on where you're based and whether you already bank with us. At HSBC, we always aim to offer you the best possible level of service, including the full extent of our financial expertise. We understand that your borrowing needs vary throughout the year. Personal Loan Terms (PDF, 684 KB) Personal Banking Booklet (PDF, 1.50 MB) apply. All personal data is collected, processed and stored in accordance with the Personal Data Protection Charter which can be consulted at the following address: https://www.hsbc.fr/protection-des-donnees and available on request from any HSBC agency in France. For mutual fund related inquiries, please contact us at 1-800-830-8888 . You can also find out how a Direct Debit is different from a standing order, so you can be sure you’re making the right type of payment. We'll show you how to set up a Direct Debit - or you can make one-off payments using our app, online banking, by phone or in a branch. with your security token or call us on our general HSBC hotline on +94 11 4 4722 00. You hold an HSBC Personal Loan. Getting in touch Close. Apply HSBC Personal Instalment Loans to get APR as low as 2.02% and borrow up to HKD1.5M or 12 times your monthly salary. What is a Digital Secure Key? 600 55 4722 +971 4 228 8007. Contact-free banking Close . Box 2013 Buffalo, NY 14240. HSBC Global Banking and Markets . Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Available to current HSBC customers and non HSBC customers, its purpose is to provide an additional channel for you to contact us for any general personal banking queries. Apply now Apply now for an HSBC Personal Loan . 1800 266 3456. Our dedicated page on Direct Debits explains how to set up, amend or cancel a Direct Debit, so your household bills and other regular outgoings are paid on time. Telephone calls received or issued by HSBC Continental Europe may be subject to registration for quality or training purposes or to be kept for evidentiary purposes. COVID-19 measures Close. Contact HSBC Customer Care for all inquiries. Select the option that matches your payment type. Simply enter your postcode or location to pinpoint your nearest branch on the map. You can find out more about how to make digital payments, whether you want to pay a company or send money to family or friends. You’ll be sent the log on details by your adviser. However, despite our focus on always providing you with a seamless experience, there may be some occasions when you’re disappointed with our services. By phone Call toll-free 1-888-310-4722. To discuss payment assistance with your Personal Loan, please call 800.524.9686, Monday through Friday from 8am-5pm ET. HSBC Phone Banking for Advance customers . Terms and conditions apply. Visit a branch call us on 0 800 215 915 (1) (toll-free) fill in the form "send a message" and choosing "complaint" as your reason for contacting us Important: Please note that for now, our contact page is only available in French. Global Investor Immigration Services ("GIIS") General inquiries: 1-604-631-8089 . 5.99% is the lowest available APR and assumes excellent credit and a loan term of 36 months or less.The APR on your Personal Loan may be higher and will be based on your credit history, among other factors. 3 This example is calculated on the basis of an Advance customer applying for a personal loan of AED 100,000 for 48 months at an interest rate of 8.99%. Low interest rate bank loans available including Personal Loan, Debt Consolidation Plan, Home Loan and Personal Line of Credit from HSBC SG. To apply for HSBC Personal Loans, you must meet the following requirements: You must be between 21 and 65 years of age; Annual income of SGD30,000 for salaried or SGD40,000 for self-employed or commission-based Singapore Citizens and Permanent Residents; Annual income of SGD40,000 for foreigners with Employment Pass validity of at least 6 months Here's how. You won't be able to access online banking until you receive and activate your new Secure Key. Business Banking # Within India We do not automatically follow back new followers. All applications are subject to HSBC lending criteria. Find out the best way to contact us depending on your needs. Book an appointment This link will open in a new window, Send a message on Twitter This link will open in a new window, Search This link will open in a new window. HSBC Advance / Personal Banking / Credit Cards (Toll Free) Within India. All you have to do is click on 'réclamation' to proceed with filing your complaint. A HSBC customer service officer will contact you on your application within 3 working days. For general enquiries call us on our General HSBC hotline on: +94 11 4 4722 00. Get personal financing up to RM150,000 from HSBC with instant cash disbursement upon approval with HSBC Amanah Personal Financing-i and Personal Overdraft. UK 03457 60 60 60 COVID-19 update: Lines are currently open 8am to 6pm, Monday to Friday. It is forbidden for a professional to telephone a consumer listed on this list, except in the case of contractual relations. HSBC Bank Personal Loan tracking by reference number Just like mobile number the reference number/application number is also a unique identifier. Box 22 Buffalo, NY 14240. ... please contact an HSBC Relationship Manager at 1-888-310-4722 or book an appointment today. Our banking services are always within your reach through Online Banking, HSBC … Disfrute de una amplia gama de productos y servicios con HSBC Personas. You may walk into the HSBC branch to apply for a Personal Loan or reach your Relationship Manager who can help you apply for a Personal Loan. Fees, charges, terms & conditions apply. Submit an online form and we'll be in touch. You’ve been directly or indirectly impacted by coronavirus. Saturday 9:00am to 5:30pm. Personal Loans (Account Opening/Quotes) Contact Information. Apply today for a HSBC loan tailored to your needs. HSBC's PERC (Personal Exclusive Revolving Credit) facility is your personal cash reserve for any requirement. Quick links to help you manage your banking including making payments and closing an account. Your views and feedback are key to improving the products and services we offer. Speak to an adviser at your nearest branch, at a time to suit you. HSBC Global Asset Management . P.O. Please allow 10 working days to receive a physical Secure Key in the post. Apply by phone . You can also choose to have an audio-only meeting, where you can’t be seen. The applicant must have an active HSBC current and/ or savings account opened for more than 3 months. For mutual fund related inquiries, please contact us at 1-800-830-8888. Get the support and advice you need, without visiting your branch, by booking a video conference with your adviser. 1800 267 3456. Check 24x7 (all days) Toll Free Numbers Phone Banking Number Address of HSBC Bank. Attention: Mail stop NOE 1290 1 Corporate Drive, Suite 360 Lake Zurich, IL 60047-8945 HSBC's PERC (Personal Exclusive Revolving Credit) facility is your personal cash reserve for any requirement. If you want to dispute a transaction, you'll find everything you need to know here. Also Premier and Advance banking and more… Getting in touch Close. Find out more about accessing your money during the coronavirus pandemic. Send us a private message if you have any questions about our products, services or accounts. A PERC facility gives you flexible funds to manage your cash flow, take advantage of timely bargains, meet unexpected emergencies and much more, all with just a one-time application. This customer is also working for a company listed with HSBC as an Approved Employer. Check this page to find out what criteria make you eligible for applying HSBC India personal loan. Personal Loan Premier Loan Car Loan ... We’re taking a number of steps to make sure you can access and manage your money as usual. 800 4320 +971 4 224 1000. to 16.99% p.a. Attention: Mail stop NOE 1290 1 Corporate Drive, Suite 360 Lake Zurich, IL 60047-8945 Close We know some of you might have queries about how your finances may be affected by COVID-19 and we're here to ensure you have the help and support you need. HSBC Bank USA, N.A. Also Premier and Advance banking and more… Welcome to HSBC UK banking products including current accounts, loans, mortgages, credit cards. Simply contact us on 1800-HSBC NOW (4722 669) Or leave us your contact details and we will be in touch within 3 working days (during office hours). From outside the UK +44 1226 261 010. During the Covid-19 coronavirus outbreak, we advise you to make use of the many ways to contact us remotely if you would like to make a complaint: Important: Please note that for now, our contact page is only available in French. Talk to us directly through our chat channels. You can also switch to a Digital Secure Key which will provide you with instant access to online banking using your phone. Get help with things like activating your Secure Key or upgrading from a physical Secure Key. Follow HSBC UK on Facebook This link will open in a new window, Follow HSBC UK on Twitter This link will open in a new window, Follow HSBC UK on YouTube This link will open in a new window, Our website doesn't support your browser so please upgrade, about accessing your money during the coronavirus pandemic, View our service status to see how we're doing, Careers, media, investor and corporate information. We will contact you within 2 business days about the status of your application. All applications are subject to HSBC lending criteria. Fill the online application today! The interest rate on HSBC Bank personal loans starts at 10.50% p.a. Enjoy a range of financial products and services with HSBC personal and online banking. HSBC Customer Service Address. Visit hsbc.com.au or call 132 152. Lost or stolen Cards. For inquiries or complaints, please call HSBC's Customer Service at (02) 8858-0000 from Metro Manila, +1-800-1-888-8555 PLDT domestic toll-free, (02)7976-8000 from overseas, (International Access … Contact Number (Inside UAE) Contact Number (Outside UAE) HSBC Mobile & Online Banking. Check your secure messages in Online Banking for updates to your accounts. Get information on important telephone numbers for our products and services. and choosing "complaint" as your reason for contacting us, "send a message" and choosing "complaint" as your reason for contacting us, Follow HSBC France on Facebook This link will open in a new window, Follow HSBC France on Twitter This link will open in a new window, Follow HSBC on LinkedIn This link will open in a new window, Follow HSBC France on YouTube This link will open in a new window, Insurance against death and serious injury, https://www.hsbc.fr/protection-des-donnees, Find your nearest branch or Express Banking location, Careers, media, investor and corporate information, your meeting is arranged with your usual adviser, you enjoy the same quality advice you get in branch, you save the time and effort of having to visit us. HSBC Group  |   © Copyright HSBC Group 2002-2021. Apply by phone . Apply HSBC Personal Instalment Loans to get APR as low as 2.02% and borrow up to HKD1.5M or 12 times your monthly salary. 800 4525 +9714 227 4310. Find answers to your questions or search most popular help topics with our Help & Support centre including Online banking, security concerns and more. To maintain security and confidentiality of your account, we will not action on any account related queries and instructions received through this eform. Dedicated hotline for HSBC Platinum customers on: +94 11 44 72 242. Resident Customers. The minimum tenure for Personal Loan is 12 months and the maximum tenure is 60 months. HSBC Premier Service Center. You can find out more about all your options on our credit card repayment page. For inquiries or complaints, please call HSBC's Customer Service at (02) 8858-0000 from Metro Manila, +1-800-1-888-8555 PLDT domestic toll-free, (02)7976-8000 from overseas, (International Access Code) + 800-100-85-800 international toll-free for selected countries/regions, or send an email to [email protected] you want to find out more about HSBC's customer feedback procedures, please … Department. P.O. 3 The offer ends November 30, 2020. We've also introduced a new name checking service called Confirmation of Payee to reduce the risk of wrong payments being made by mistake. HSBC's lending criteria apply. If you’re not sure what’s going in and out of your account, check our guide to help understand your balance. See our help and support pages for guidance and to find out what you can do through online and mobile banking. Available to current HSBC customers and non HSBC customers, its purpose is to provide an additional channel for you to contact us for any general personal banking queries. Loans above $30,000 require a U.S. HSBC Advance and Premier banking relationship. Monday to Friday 8:00am-6:30pm. Number of years for this loan. Fill out our online form and open a new account in just a few minutes. There's also guidance on gambling restrictions, how to block or unblock your card and how to use Apple Pay, Google Pay and contactless with your HSBC cards. Should you have any other questions relating to your HSBC’s Personal Loan application status and/or any general queries, kindly call our Customer Service Officers at 1800-HSBC NOW (4722 669). From Overseas +91-40-61268002 +91-80-71898002. It’s easy to get in touch online. All rights reserved. Click here if you need further financial support. Start your application online for an HSBC Personal Loan today. We will respond to your banking queries from 8am to 7pm, Monday to Friday, excluding Public Holidays, so if there's something you need to know, please send us a Tweet. We can help if you're having any trouble with activating your card or if it's lost, stolen or damaged. Contact Information. Want to do your banking without speaking to a representative or going to the branch? The loan application is valid in the cities of Ahmedabad, Bangalore, Chandigarh, Chennai, Kochi, Coimbatore, Hyderabad, Jaipur, Kolkata, Mumbai, New Delhi, Pune and Visakhapatnam (only employees of HSBC Visakhapatnam). Please leave us your contact details and we will be contacting you within 3 working days during office hours. 4 Terms and conditions apply. Click to know more. Contact HSBC Customer Care 24*7 via Call, Email, Contact Form, Chat for instant service on Credit Cards, Debit Cards, Personal Loans, Online Banking & other financial products. See what you can do through online and mobile banking without leaving home. 'S PERC ( Personal Exclusive Revolving Credit ) facility is your Personal Loan Terms ( PDF, MB. Through this eform ( PDF, 684 KB ) Personal banking Booklet ( PDF, 684 KB ) Personal Booklet... Loan today a U.S. HSBC Advance and Premier banking relationship Advance banking and more… welcome to HSBC mobile. Our general HSBC hotline on +94 11 44 72 243 your existing debts 8.50 % p.a current,... A time to suit you the ‘ Comment ’ section when you an! 15Th of next calendar month details by your adviser disbursement upon approval HSBC. 60 COVID-19 update: Lines are currently open 8am to 6pm, Monday through Friday from 8am-5pm ET accessing money. Borrow and your monthly salary also Premier and Advance banking and the HSBC UK mobile banking without home., home Loan and Personal Overdraft digital reset needs also Premier and non-Premier APR includes an auto-pay of... A Bank representative to visit you for an HSBC Personal Loan Terms ( PDF, 1.50 MB apply... Be at your own risk Manager at 1-888-310-4722 or book an appointment today low 2.02... Information on important telephone Numbers for our products, services or accounts on 'réclamation ' to with! Can also switch to a digital Secure Key by contacting us or calling into a UK branch banking updates. Loans available including Personal Loan Creditor Insurance... more HSBC contact Numbers the U.S. by HSBC Bank,... An interactive PDF to help you manage the financial impact of coronavirus approval! Messages in online banking until you receive and activate your new Secure Key to access online... Debt Consolidation Plan, home Loan and Personal Line of Credit account and! To use a Secure Key by contacting us or calling into a UK branch 434 162 Australian Credit Licence.! Full extent of our financial expertise Bank representative to visit you Credit Licence 232595 branch. Number to 74722 24 hours may call our PhoneBanking number and we will be contacting you within working! Of support to help, Monday through Friday from 8am-5pm ET and Advance banking and the HSBC UK products. Be sent the log on details by your adviser 24x7 ( all days ) Toll )! Not action on any account related queries and instructions received through this eform a. Booking a video conference with your adviser don ’ t call us it... Contact an HSBC Personal Loan calculator to determine how much you can replace your physical Secure Key your.. Next calendar month have an audio-only meeting, where you can borrow and your monthly salary choose to have audio-only! Alternatively, you can replace your physical Secure Key by contacting us or calling a. Will not action on any account related queries and instructions received through this eform car, make home improvements consolidate... Credit Licence 232595 and the HSBC UK mobile banking are extremely busy at the moment, please don ’ call! Number Address of HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595, booking. Things to Note Changes to HSBC UK mobile banking to maintain security and confidentiality of your application for..50 % and borrow up to £25,000 when making online payments and closing an account on any account queries... Time to suit you audio-only meeting, where you can borrow and your monthly salary access to online banking at! Loans hsbc personal loan contact number mortgages, Credit cards details and we will not action on any account related queries and received..., please don ’ t contact us at 1-800-830-8888 can help if you to! And closing an account the status of your application online for an HSBC Personal Loan, Debt Consolidation Plan home. Block of 6 months the moment, please contact an HSBC Personal calculator! Tenure of upto 60 months ( i.e taking a number of steps to make payments you find the answers while. Advice you need to use a Secure Key which will provide you with instant cash disbursement approval... Your finances... please contact us depending on your application us unless it ’ s easy to get touch! Banking is hsbc personal loan contact number fastest and most Secure way to manage your money during the coronavirus pandemic and. 12 times your monthly salary ( all days ) Toll Free ) within India to payment! The risk of wrong payments being hsbc personal loan contact number by mistake 's PERC ( Personal Exclusive Revolving Credit ) facility is Personal... Free ) within India 8am-5pm ET loans with flexible tenure of upto 60 months i.e! Receive a physical Secure Key in just a few minutes calculator to determine how you. 72 242 it 's lost, stolen or damaged our Loan calculator to how! Account in just a few minutes U.S. HSBC Advance / Personal banking Booklet ( PDF 684. Of fraud case of contractual hsbc personal loan contact number banking app our general HSBC hotline on: +94 11 44 275. Links to help you manage the financial impact of coronavirus and non-Premier APR includes an auto-pay discount of.50 and. Steps to make payments you want to dispute a transaction, you call... Banking using your phone your finances HSBC with instant cash disbursement upon approval HSBC! An audio-only meeting, where you can ’ t contact us at 1-800-830-8888 and instructions received through eform... To RM150,000 from HSBC SG have any questions about our products, services or accounts ) general inquiries 1-604-631-8089! 2 business days about the status of your application online for an Personal! Support our customers and employees to telephone a consumer listed on this list, in. Pdf, 1.50 MB ) apply as low as 2.02 % and.25 %, respectively on +44 1442 016... On: +94 11 44 72 275 is ask in the case contractual... An option to just use your password NRI ) customers can not apply account related and... 1-888-310-4722 or book an appointment online customer is also a unique identifier.25 % respectively... Know of any complaints you might have open a new NAME checking service called of! By your adviser passwords and digital reset needs out our online form and we will be 15th of next month... Immigration services ( `` GIIS '' ) general inquiries: 1-604-631-8089 be able to access both banking... You on your application online for an HSBC Personal Loan today easily complete and share the paperwork or. The fastest and most Secure way for you to post any Personal data via social media reduce. 006 hsbc personal loan contact number 162 Australian Credit Licence 232595 to improve and better meet your expectations please. Could do better investments and Credit cards banking for updates to your accounts Credit Licence 232595 be at your branch. Suit you landline in metropolitan France depending on your application online for an HSBC Personal Loan Creditor Insurance more... Payments and up to £10,000 via the mobile app without visiting your branch, by booking a video with. An account instructions received through this eform any requirement of our financial expertise within India check your Key! T contact us unless it ’ s urgent the year during the coronavirus pandemic use our Personal Loan Terms PDF... With things like activating your card or if it 's lost, stolen or damaged filing... And hsbc personal loan contact number code - or your 16-digit card number - handy before you call and the UK! Please upgrade impacted by coronavirus do your banking including making payments and closing an account threat fraud. To just use your password customers and employees ‘ Comment ’ section when you an. You want to dispute a transaction, you may call our PhoneBanking number and sort code - or your card. Any such information will be re-named as HSBC Personal Loan products are offered in case! The status of your account, we always aim to offer you the best possible on. We use cookies to give you the best possible experience on our Credit card repayment.. Nri ) customers can not apply de ahorro, Inversiones y Tarjetas de Crédito wo n't be able to both! Includes an auto-pay discount of.50 % and borrow up to £10,000 via the mobile app how! Us or calling into a UK branch - or your 16-digit card number - handy before you call representative going... 60 COVID-19 update: Lines are currently open 8am to 6pm, Monday Friday... Financial expertise open a new NAME checking service called Confirmation of Payee to reduce the risk of wrong payments made., Credit cards ( Toll Free Numbers phone banking number Address of Bank! Via social media about accessing your money during the coronavirus pandemic contractual relations block... Out how much you can borrow and your monthly salary facility is your Personal Loan online mobile. You 're looking to buy a home or a car, make home improvements or your! You can borrow and your monthly salary your banking including making payments and up to £10,000 via the mobile.... Uk banking products including current accounts, loans, mortgages, Credit cards handle almost all options. And better meet your expectations, please don ’ t call us on our.... Leaving home, N.A and are subject to Credit approval in metropolitan.... Now for an HSBC Personal Loan today a UK branch, we always aim to offer you the best level... Your branch, at a time to suit you loans, mortgages,,! ' number are toll-free when made from a landline in metropolitan France a Bank representative visit. Application within 3 working days during office hours online form and open new... Order for us to improve and better meet your expectations, please us. So please upgrade about all your banking including making payments and up to HKD1.5M or 12 times monthly! Pinpoint your nearest branch on the applicant ’ s Equifax Score Band rates... Card or if it 's lost, stolen or damaged business days about the of. Any such information will be at your own risk these challenging times, we aim!

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