HSBC timer and Certizen timer are NOT running in parallel, HSBC timer (let's say 10 min limit) is on HSBC owned page level.Once customer visits from HSBC pages(e.g. step 2) to certizen pages(e.g. step 3), HSBC timer is over regardless how long he/she is idle in step2 or step3 page. Once customer visits from certizen pages (e.g. step 3) to HSBC pages(e.g. step 4), HSBC timer(step 4 page) is reset to zero, and starting count 10 min.