m&s monthly SavEr Price List NEW FASHIONED BANKING

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1 m&s PrEmium current account, m&s PrEmium current account with insurance and m&s monthly SavEr Price List EffEctivE from 17 february 2015 NEW FASHIONED BANKING

2 the prices and information applicable to your account form part of the terms and conditions that apply to your m&s Premium current account, m&s Premium current account with insurance and m&s monthly Saver. Please note, m&s Premium current account with insurance is no longer available to new customers. monthly account fee M&S Premium Current Account 10 per month M&S Premium Current Account with insurance per month From 17 April 2015 this section will be amended to read as follows: M&S Premium Current Account 10 per month M&S Premium Current Account with insurance 20 per month debit cards using your card abroad General: Unless you agree that the currency conversion is done at the point of sale or point of withdrawal and agree the rate at that time, for example, with the shopkeeper or on the self-service machine screen, the exchange rate that applies to any non-sterling debit card payments (including cash withdrawals) is the Visa Payment Scheme Exchange Rate applying on the day the conversion is made. For non-sterling (foreign currency) transactions we will charge a fee of 2.75% of the sterling amount of the transaction. This fee will be shown as a separate line on your statement as a Non-Sterling Transaction Fee. Details of the current Visa Payment Scheme Exchange Rates can be obtained at marksandspencer.com/bank or by calling us on (calls may be recorded). cash machines: Overseas cash machine withdrawals made with your M&S Visa Debit Card are free of Non-Sterling Cash Fees (ATM transaction fees) from M&S Bank. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this should be advised on screen at the time of withdrawal. additional SErvicES and account charges overdrafts Premium current account and Premium current account with insurance amount of overdraft (including buffer) overdraft interest rate No overdraft interest Above % EAR variable If you move abroad, the overdraft interest-free entitlement will no longer apply on your account. additional accounts amount of overdraft Any amount overdraft interest rate 15.9% EAR variable buffer Buffer limit 50

3 other charges managing your money Stopped cheques Paper statements more frequently than monthly Copy of issued statements 12 per cheque 1 each No charge Sending and receiving money Bank draft Cancelling a bank draft Posting a warning on a lost or stolen bank draft 20 each 10 each 10 each plus any charges made by banks on which foreign drafts are drawn non-sterling payments into your account Each payment under the currency equivalent of 100 No charge Each payment of the currency equivalent of 100 and over 8 This charge will be deducted from the payment before it is credited to your account. Sterling payments into your account from banks outside the uk Each payment up to 100 No charge Each payment of 100 and over 6 The charge will be deducted from the payment before it is credited to your account. collection of a foreign cheque If you or we, at our discretion, require confirmation that a foreign cheque has been paid, we will arrange to clear it on a collection basis. This means that the proceeds will be credited to your account only when they have been received by us. If the foreign cheque is returned unpaid, we will deduct a return fee of 28 from your account. Charge per cheque 28

4 negotiation of a foreign cheque We may, at our discretion, credit a foreign cheque to your account without waiting for it to be paid. If the foreign cheque is subsequently returned unpaid, we may deduct the amount credited (or reconverted if converted into another currency) from your account together with a return fee of 28. The following charges are based on the gross value (sterling equivalent) of each foreign cheque. In addition to our fees, any fees charged by our agent and/or correspondent banks and/or the bank on which the foreign cheque is drawn will also be deducted from your account. Up to to 5, , to 10, , to 50, Over 50, ElEctronic PaymEntS Payment types branch telephone banking internet banking Electronic fund transfers to a M&S Bank account N/A to a non M&S Bank account N/A Priority Payments up to 250: Not available 9 Not available over 250: Not available No charge Not available These charges will be deducted from your account when you ask for the service, as will any additional expenses we incur in making these payments. We may charge for any enquiries we receive in respect of each payment instruction, whether made by you or another person. We will not charge you if we have made an error. We will advise you of the charge before we start investigations on your behalf. Please refer to the banking terms and conditions and the Banking Made Easy brochure that apply to your account for information about cut-off times and how they work. GEnEral notes and ExPlanationS Our overdraft interest and credit interest rates and fees may change from time to time. For charging purposes, a month is not a calendar month, but begins on the date your account opens. For example, if you open your account on 20 January, your charging cycle will be from the 20th of each month to the 19th of the following month. Net: The rate after the deduction of tax applicable to interest, currently 20%. Higher rate taxpayers will have an additional liability. Gross: The rate before the deduction of tax applicable to interest on savings. AER: The annual equivalent rate. This is the interest rate you would receive if interest was paid and added on an annual basis. EAR: The effective annual rate. This takes account of the interest rate and how often interest is charged, and does not include any other fees or charges. All rates are quoted per annum, unless otherwise stated, and are variable.

5 Summary box Key product information for our monthly Saver account name M&S Monthly Saver credit interest rate (aer) AER/gross 6.00% Net 4.80% Your rate is fixed for 12 months. Credit interest is calculated daily, based on your cleared balance. You receive your credit interest on the anniversary of the date the account was opened. Early closure rate AER/gross 1.35% Net 1.08% Credit interest rates correct as at 17 February tax status Credit interest is paid net of basic rate income tax (currently 20%). conditions for bonus payment withdrawal arrangements access There s no bonus payment with this account. Money is deposited for a fixed term of 12 months. Partial withdrawals are not permitted. If you close your account early you will receive the early closure rate of credit interest stated above. Credit interest is calculated daily and will be applied from the date your Monthly Saver was opened. At the end of the 12 month term, we will move your balance into an Everyday Savings Account. If you do not have an existing M&S Everyday Savings Account in the same name, we will transfer your money and accrued interest into the M&S Premium Current Account or Additional Account from which you made your original deposit. Post, branch and telephone. important information You can get further information from our branches or by calling Our lines are open 24 hours a day, 7 days a week. Calls may be recorded. Alternatively you can write to M&S Premium Current Account queries, M&S Bank, Kings Meadow, Chester, CH99 9FB. Effective from 17 February 2015

6 Please call if you would like to receive this information in an alternative format such as large print, Braille or audio. Calls may be recorded for security, training and monitoring purposes. 03 numbers are charged at the same rate as a standard 01 or 02 landline number, even when calling from a mobile. Calls to 03 numbers will normally be part of any inclusive minutes provided with phone packages. You should check this with your service provider. M&S Bank is a trading name of Marks & Spencer Financial Services plc. Registered in England No Registered office: Kings Meadow, Chester, CH99 9FB. A wholly owned subsidiary of HSBC Bank plc. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Marks & Spencer Financial Services plc is entered in the Financial Services Register under reference number Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under licence. Marks & Spencer Financial Services plc All rights reserved. MSB11039 PCAPRICE CA /1513ZMFW1/CAEPPLA5/0115/M

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