M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT

Transcription

1 M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT Banking made easy EFFECTIVE FROM 6 APRIL 2016 NEW FASHIONED BANKING

2 Welcome Accessing your account This guide explains how your account works. It takes you through the ways you may be able to access your account, make payments and keep both your finances and information safe. Not all of the services mentioned apply to all types of accounts. Accessing your account 3-4 Making payments 4-7 Payments by cheque 7-8 Protecting your information 8-9 Additional information 10 Important information 11 FOR MORE INFORMATION ON M&S CURRENT ACCOUNTS AND M&S MONTHLY SAVER ACCOUNT CONTACT US AT: marksandspencer.com/bank visit your nearest M&S Bank Branch or call Lines are open 24 hours a day, 7 days a week. Calls may be recorded. See Important information section at the back of this leaflet. ACCOUNT CONTACT NUMBERS Account From the UK From abroad M&S current accounts and M&S Monthly Saver Accounts Textphone for all accounts INTERNET BANKING See your accounts in one place, view your balance, make payments, transfer funds, view and cancel Direct Debits and Standing Orders. To register for visit marksandspencer.com/bank and follow the instructions. TELEPHONE BANKING Our UK based Customer Services team are here for you 24 hours a day. From transferring money to checking balances, paying your M&S Credit Card and simply answering any questions you might have about your banking or our products, we re just a phone call away. You can also use our automated service to obtain your balance, obtain details of recent transactions, make payments and transfer funds between certain accounts. Plus order PIN reminders and activate new/replacement cards. You can contact us on IN BRANCH Visit one of our Branches in selected M&S stores throughout the UK, we re always happy to help. Call us to arrange an appointment if you d like to discuss your banking needs face-to-face. Open the same hours as M&S stores, even over the weekend, it makes banking as easy as picking up your weekly shop. HSBC BRANCHES If you can t get to a local M&S Bank Branch, you are welcome to use HSBC cash machines. You can also use HSBC branches to pay in cash and cheques and make cash withdrawals where you have previously made a request to M&S Bank. Please check HSBC branch services and opening hours with your local Branch. CASH MACHINES At the cash machines in the M&S Bank Branches you can do much more than withdrawing cash. They let you check your account balance, top up your mobile phone, print a mini statement, change your PIN and even make a donation to charity. You can also make Internal Transfers between accounts held in your name. CHEQUE DEPOSIT MACHINES Our easy-to-use cheque deposit machines allow you to quickly pay in up to 49 cheques. You can request a scanned copy of the cheque(s) to show the deposit has been successfully completed. PAYING FOR GOODS AND SERVICES Our plastic debit cards can be used wherever Visa is accepted with the majority of our cards you can also make contactless payments. You can use your debit card in person or remotely by phone, fax, mail order or online. You can spend up to the balance of your account or to the amount of any agreed overdraft. RECURRING TRANSACTIONS A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your debit card by a retailer or supplier (for example, insurance cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions. If you wish to cancel a recurring transaction you can do this with the retailer or us. If you contact the retailer you will also be able to deal with the agreement you have with them and you can make other arrangements for payment or cancellation of the goods or services. If you cancel with the retailer, we recommend you keep evidence of the cancellation. Once you have cancelled with the retailer or us, if the retailer does try to collect any future payments under the recurring transaction agreement, we will treat these as unauthorised. If we miss any of the cancelled transactions, please contact us. FUTURE DATED BILL PAYMENTS, STANDING ORDERS AND DIRECT DEBITS Future dated Bill Payments, Standing Orders and Direct Debits will be processed in the early hours of the morning of the day that they are due to be paid. You should ensure that sufficient funds or a covering overdraft are available to make these payments by 00.01am on the day they are due. If the account has an insufficient available balance at this time, then you have until 3.30pm to pay in cleared funds. We will then make this payment if your account has a sufficient available balance at 3.30pm. CASH DEPOSIT MACHINES Our cash deposit machines allow you to easily For future dated Bill Payments due for payment deposit cash with funds credited instantly to your on a non-working day, if there isn t a sufficient account. You don t need to go through the available balance in your account in the early process of completing a paying-in slip, instead hours of the morning, you have until 3.30pm on you can simply deposit cash either by inserting the next Working day to ensure there is a your M&S Visa Debit Card or by keying in the sufficient available balance in your account to relevant account numbers. cover the payment. 2 3

3 CHIP AND PIN You re probably familiar with chip and PIN, and your M&S Visa Debit Card works in the same way as any other debit card. Your PIN is your four digit personal identification number. Enter your PIN whenever you pay in person to help prevent fraud. If for some reason your PIN isn t working or you are unable to use a PIN, please call our Customer Services team on for help. CASHBACK Many retailers offer cashback of up to 100 (if the funds are available in your account or you have a covering overdraft) when paying for goods with your M&S Visa Debit Card. Making payments Payment type Paying in cash Pay cash into an account at any of our Branches. Bill Payments Payments made in sterling from your account, to the account of a person or organisation in the UK, Channel Islands and Isle of Man. Most Bill Payments are made through the Faster Payments service. Standing Orders A regular payment made to a person or business in the UK. How to make a payment Over the counter or at one of our Paying-in Machines. Telephone Banking or in Branch. Telephone Banking, in Branch or by post. OVERSEAS TRANSACTIONS We will add a Non-Sterling Transaction Fee for an amount which is the equivalent of 2.75% of the sterling amount of the payment. This fee will be shown as a separate line on your statement as a Non-Sterling Transaction Fee. You can get details of the Visa Payment Scheme Exchange Rate by calling us on or from outside of the UK (calls may be recorded), or by visiting marksandspencer.com/bank. As well as withdrawing cash from your account, you can select from a wide range of payment methods to suit your personal needs. Cut-off time Cut-off times are displayed on Paying-in Machines pm for Bill Payments made through the Faster Payments service. 3.30pm for other Bill Payments. Telephone Banking at least 2 days before first payment. In Branch the end of the Working day before first payment. Post at least 4 Working days before your first payment is due. Can a payment be sent on a future date and can a future payment be cancelled? N/A Yes. You can also cancel the payment through Internet Banking or Telephone Banking up to 11.45pm the day before we send the payment or by going into Branch by the end of the Working day before the payment is due to be made. Yes. You can also cancel a future payment through Telephone Banking or in Branch. You must cancel in Branch by the end of the Working day before the payment is to be made or via Internet Banking or Telephone Banking before 11pm the day before the payment is to be made. Payment type Internal Transfers Sterling transfers made between UK accounts held with us in your name, including joint accounts. Electronic Funds Transfer Payments made in sterling, from a sterling account that aren t Bill Payments or Standing Orders. They are made through the Clearing House Automated Payment System (CHAPS). Priority Payments An international payment which is made from within the UK that involves a currency exchange. Sterling Direct Debit A regular sterling payment made from a sterling account to an organisation or person in the UK, which may vary by amount or date. Each payment is requested from us, by the Recipient. Internal account transfer A sterling transfer made between your current account and an M&S Bank holding account held with HSBC Bank plc for the purpose of making a cash withdrawal using the HSBC counter service. How to make a payment Telephone Banking. Self-service machines can only be used to transfer money between a current account, an M&S Credit Card or a nominated savings account (not ISA). In Branch. Telephone Banking, in Branch or by post. Telephone Banking. Complete a Direct Debit mandate with the Recipient in writing, by phone or online. Cut-off time 11.45pm 2.30pm 5pm if payment is to an M&S Bank or HSBC account. 2.30pm on a Working day. We must receive the instruction from the Recipient by 10.30pm at least two Working days before the Direct Debit payment date. Telephone Banking. 3.30pm N/A Can a payment be sent on a future date and can a future payment be cancelled? Yes. You can also cancel the payment through Internet Banking or Telephone Banking up to 11.45pm the day before we send the payment or by going into Branch by the end of the Working day before the payment is due to be made. You can cancel the payment by Telephone Banking or in Branch before 3.30pm the Working day before the payment is due to be made. No. We need to ensure you accept the exchange rate at the time of transaction. Yes. For details on how to cancel these types of payment see page 6 of Banking made easy and our Terms. 4 5

4 PAYMENTS, CUT-OFF AND PROCESSING TIMES Provided you have asked us to make a payment before the relevant cut-off time (see the table on pages 4-5 for details), then the maximum processing times for payments to reach the Recipient s bank are as follows: Internal Transfers immediate. Bill Payments immediate for Bill Payments to other accounts with us. the same day for all other Bill Payments. Electronic Funds Transfer same day. Priority Payments next Working day within the EEA. Up to four Working days outside the EEA but this may take longer depending on the country the money is being sent to. Standing Orders immediate for Standing Orders to other accounts with us (up to two hours to a credit card account with us). same day for any other Standing Orders. For more information about payments, including cut-off and processing times, please ask us or see our Terms. Please note you cannot set up a Direct Debit or Standing Order from the M&S Monthly Saver Account. We may set limits on payments, which we will tell you about when you make a payment. You can find our current exchange rates for payments set up in Branch or via the telephone or post by calling us or asking in Branch. Different charges may apply depending on the way you set up the payment, please see the Charges section of our Terms for details. It is important to consider both the exchange rate and charges when deciding how to make a payment. DIRECT DEBITS You can set up Direct Debits for any regular payments, for example energy bills or car insurance, and let us take care of the payment for you. You can choose the amount, and the date, that you want Direct Debits to be taken from your account. If you want to cancel a Direct Debit you can let us know up to the end of the day before we send the payment. You should also get in touch with the Recipient to let them know that you ve stopped the payments. To set up a Direct Debit you must complete a Direct Debit instruction form with the Recipient. This may be done in writing, over the phone or via the internet. The Recipient will normally lodge the Direct Debit instruction electronically onto your account but may occasionally send the original Direct Debit instruction you completed to us. The Direct Debit Guarantee If a company, service or other Recipient of your Direct Debit changes the date, amount or frequency of payments they should inform you before debiting your account. Should something go wrong with the payment of a Direct Debit, we ll immediately give you a full refund, whether it s the originator s fault or ours. If you receive a refund you are not entitled to, you must pay it back when the originator asks you to. IBAN AND BIC An IBAN or international bank account number is your bank account number in a standard, internationally recognised format. Used with your Business Identifier Code (BIC) they help international payments to be processed automatically. Your IBAN and BIC can be found on your paper bank statement. Banks use a system called SWIFT to send messages to each other and the BIC is their unique branch reference. Using both an IBAN and BIC enables automation of payments, helping to eliminate delays and queries. You should give your IBAN and BIC to anyone who needs to make payments to you from abroad. When to use IBAN and BIC Whilst IBANs can be used for worldwide payments, they are used much more commonly across Europe. All cross-border euro Priority Payments within the EU or the EEA must quote the BIC and IBAN of the beneficiary. If you don t provide this information we will not be able to make the payment. ELECTRONIC PAYMENTS It s usually quicker, easier and safer to have payments made electronically. If your friends or family need to transfer money to you, you can give them your sort code and account number instead of them writing a cheque. REGULAR PAYMENTS From an employer to a friend, if you want someone to pay a regular sum into your account, you ll need to give them your 8 digit account number and 6 digit sort code. You can find these on your cheque book, statement or on your debit card see below. sort code account number Payments by cheque While payments by cheque are less frequent these days, they can still be useful. Here are some tips for accounts which offer cheque books. WRITING CHEQUES Cheques that you write pass through a clearing process. Normally there will be two Working days before the money is deducted from your account after the Recipient pays it into their account. PAYMENTS YOU MAKE BY CHEQUE You must ensure you have sufficient funds in your account before making a payment by cheque. If, at the start of the day on which the cheque is presented for payment, there are insufficient cleared funds in your account, we ll still make the payment as long as you pay sufficient cleared funds into your account before 3.30pm. You need to tell us you ve done this. If you don t tell us, the cheque may be returned unpaid. You ll need to contact us to check whether the person you made the cheque payable to may re-present it to try to obtain payment. Depending on the reason given for the cheque being returned unpaid, we will either ask for payment again from the bank of the person who issued it, or return it to you. There is no fee for cheques being returned unpaid. PAYING IN CHEQUES You can pay cheques into your account by filling in a paying-in slip from your paying-in book, the back of your cheque book or pick one up in the local Branch. Then simply use one of the cheque deposit machines or hand it directly to a member of M&S Bank Branch staff. CHEQUE BOOKS When you only have a few cheques remaining, we will automatically send a new cheque book to the address we have for you. If you require a new cheque book sooner, call us for a replacement. STOPPING A CHEQUE You can stop cheques you have written provided we receive the request to stop it before 1.30pm on the day the cheque is presented for payment. To stop a cheque contact us with the cheque number, the date of the cheque, who the cheque was payable to and how much it was for. There is no charge for stopping stolen cheques or lost blank cheques. Please see our Terms for details. SPECIAL PRESENTATION To enable the Recipient of a cheque to know as soon as possible whether it will be paid, they can ask their bank to specially present that cheque. Their bank then sends the cheque by first class post directly to the paying bank, contacting them by phone on the following Working day to confirm whether it will be paid. The payee may not receive the funds any sooner, but has the knowledge that there are sufficient funds to pay the cheque. M&S Bank do not offer this service but may receive such requests from other financial institutions on behalf of the payee. RECEIVING CHEQUES When you pay a sterling cheque into your account in the UK, we need to obtain funds from the bank who issued the cheque this is known as clearing a cheque. The central clearing cycle normally takes three Working days after the day the cheque has been paid in before you can withdraw the money. Any cheques paid in after 3.30pm will be treated as received the following Working day. The diagram below shows when to expect cleared funds in your account. Cheques may take longer to clear when paying in via another bank. If you withdraw money which is not cleared for interest calculation purposes you may be charged Overdraft Interest even though your account shows a credit balance. If you pay a cheque into your account and are more than three Working days into the process of switching your account to another provider, we ll send your new provider the amount of the cheque four Working days after the day you paid it in. 6 7

5 An example of the clearing cycle The table below shows how we process your funds once a cheque is paid in. Mon Tue Wed Thu Fri Sat Sun Mon Tue Wed C = The day the cheque is paid in A = The day the money is normally available to withdraw I = The day from when debit/credit interest, (if applicable) is calculated from, including the cheque within your cleared account balance. It is important to keep your information safe and there are also steps you can take to help. Protecting your information KEEP YOUR DETAILS UP-TO-DATE Let us know if you change your name or contact details as soon as possible. Remember to make sure that confidential information detailed in any of our communications with you is not seen by anyone else. REGULARLY CHECK YOUR STATEMENTS You should check your statements as soon as you get them and call us immediately if anything looks suspicious. Likewise, if you suspect anyone else knows your PIN or Security Details or if your card or cheque book has been lost or stolen you should immediately get in touch with us. TIPS FOR WRITING CHEQUES We recommend that you: write clearly and use ink that can t be erased reduce gaps between words or figures add further information, eg a reference name or an account number when making a cheque payable to a large organisation draw horizontal lines through blank space on the pay line do not sign a cheque before you use it TELEPHONE BANKING When you register for Telephone Banking, you will be asked to create a telephone security number. You will also need to re-do this if you forget your security number. The number must be between six and ten digits long. If you call us, we will never ask for more than two digits of your security number to identify you as the account holder. When you contact us by telephone, you should not use cordless or mobile telephones operating on an analogue network. We recommend that you use either a landline or a digital mobile phone. We are not responsible for the security of your account if anyone else overhears you speaking to us on the telephone. If we call you, we will never ask for your security number or other Security Details. We will only ask questions based on information known to us about you, and the transactions on your account. We may not be able to assist you if we are unable to identify you as our customer using our security procedures. EXPERT ADVICE The government and leading businesses have created a website that provides free expert advice to help protect yourself against internet threats including viruses and online fraud. For more information go to getsafeonline.org. TEXTPHONE USERS Please remember to clear your textphone s memory after every conversation with us. Remember to tear out and destroy any printed record of your personal details from any printer attached to your textphone. Keep your textphone in good working order as a general security measure. INTERNET BANKING Everyone who signs up for Internet Banking will receive an M&S PASS. This device will generate a unique six-digit code for you to use to log on. IMPORTANT SECURITY INFORMATION You must take all reasonable precautions to keep safe and prevent fraudulent use of any cards, security devices (such as the M&S PASS) and Security Details (including PINs, security numbers, passwords or other details including those which allow you to use Internet Banking and Telephone Banking). These precautions include but are not limited to all of the following, as applicable: General never writing down or otherwise recording your PINs and other Security Details in a way that can be understood by someone else; not choosing Security Details that may be easy to guess; taking care to ensure that no one hears or sees your Security Details when you use them; keeping your Security Details unique to your accounts with us; not allowing anyone else to have or use your card, security devices, PINs or any of your Security Details (including for Telephone Banking) and not disclosing them to anyone, including the police, an account aggregation; service and us, except your card number and other card details when using your card in connection with making payments, and your Security Details when registering for or resetting your Telephone Banking security details (but even then do not disclose in full); keeping card receipts and other information about your account containing personal details (such as statements) safe and disposing of them safely. People who commit fraud use many methods such as searching in rubbish bins to obtain this type of information. You should take simple precautions such as shredding paper containing such information; changing your Security Details immediately and telling us as soon as possible on the number below, if you know, or even suspect, that someone else knows any of those details, or if we ask you to; keeping your card, security devices, PINs and other Security Details safe. Cards and card PINs safely destroying any card PIN advice we send you immediately after receipt, eg by shredding it; signing each card as soon as you receive it; keeping your debit card separately from your cheques; not disclosing the card number, card PIN or card security codes except when using the cards to make payments; not disclosing your card PIN for mail order payments or when paying for goods and services over the telephone or through the internet; never tell anyone your PIN, never write it down or record it in a way that can be understood by using fraud prevention systems (such as Verified by Visa) when using debit cards to make payments through the internet; not tampering with the card; complying with all reasonable instructions we issue regarding keeping your card and card PIN safe. CONTACTING US ABOUT SECURITY CONCERNS If any card, PIN, security device or Security Details are lost or stolen, or you suspect that someone has used or tried to use them, you must tell us without delay by calling us on Lines are open 24 hours unless otherwise stated. To help us continually improve our services and in the interests of security we may monitor and/or record your telephone calls with us. If asked, you must confirm in writing the loss or theft of your cards or Security Details relating to your card or Telephone Banking. If you no longer require your card and/or any unused cheques then you must cut them into at least six pieces. We will ask you to co-operate with us and the police in relation to any investigation into the actual or suspected misuse of your card, passwords, PIN(s), Security Details and/or accounts. You must report any unauthorised transactions to the police within seven days of our request. If you find your card after having called us, you must not use it again. You must cut it into at least six pieces. if you post a cheque to someone, clearly write the name of the person you are paying the cheque to and put extra information about them on the front of the cheque eg Inland Revenue, Account J Jones anyone else, or quote it in correspondence; 8 9

6 Additional information Important information SERVICES FOR DISABLED CUSTOMERS Customers with disabilities may find the following services particularly convenient: textphone to textphone service available to customers who are deaf or hard of hearing and/ or have a speech impairment please call (or from abroad) to access this service; statements in Braille, audio and large print; on request, printed material in your preferred format; cheque, paying-in slip and plastic card templates; at least one hearing loop in every Branch for hearing aid users; chip and signature cards if you have trouble using a chip and PIN card, a chip and signature card can be issued in its place; a larger M&S PASS is available for accessing with bigger keys and display, as well as audio instructions and information. FINANCIAL DIFFICULTIES If you do find yourself in a position of financial difficulty or you are worried about your finances, please contact us on The sooner you talk to us, the sooner we might be able to help you. WHAT ARE YOUR THOUGHTS? If you have a complaint please let your local Branch manager or the manager of the relevant department know about your concerns. Any enquiry or complaint relating to the account should in the first instance be addressed to Current account department, M&S Bank, Kings Meadow, Chester CH99 9LZ. Tel: We will always try to resolve any problems and put matters right. However, if you would like further information about our process for resolving complaints, please ask us for our Complaints useful contact information leaflet. If your complaint is not settled to your satisfaction you may be able to refer it to the Financial Ombudsman Service at Exchange Tower, London E14 9SR. Tel: (free if calling from a landline or from a mobile phone), or (calls to this number will cost no more than calls to 01 and 02 numbers). enquiries@financial-obudsman.org.uk or website: financial-ombudsman.org.uk. M&S LOYALTY SCHEME M&S Loyalty Scheme is operated by Marks and Spencer plc and subject to terms and conditions. M&S points cannot be earned on cash advances/ withdrawals, balance transfers, interest charges, M&S Travel Money, foreign exchange purchases or M&S reward vouchers. 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 M&S Bank registered VAT number is GB All rights reserved. Your account is subject to the Terms you were given during your application for your account and any other terms we subsequently provide to you, for example, in respect of our Internet Banking service. See the Charges section of our Terms for details of charges that apply to your account. We may change the information in this brochure at any time. If we change the information in the table on pages 4-5, the Protecting your information section on pages 8-9, or this Important information section on page 11 we will give you at least two months advance personal notice. You can ask us for a copy of your Terms, M&S Monthly Saver Account summary box leaflet (where applicable) and this brochure, at any time, by contacting us, on the number on the back page of this brochure or calling into a Branch. The current version of these documents will also be available at marksandspencer.com/bank. Telephone lines are open 24/7, unless otherwise stated. To help us continually improve our service and in the interests of security we may monitor and/or record your telephone calls with us. ACCOUNT OPENING We will tell you if your application has been successful and will open your account. This may be subject to appropriate identification, address verification or other specified documentation being produced to us. When you apply for a M&S current account on our website we will acknowledge your application but such acknowledgement will not constitute our acceptance of your application. The contract between us will be concluded when we provide you with a M&S current account or when we tell you that we have accepted your application if this is sooner. Our acceptance may be subject to certain further steps being taken, for example, you signing paperwork or providing us with certain information. Please note that other costs or taxes may exist that are not imposed by us or payable to us. THE FINANCIAL SERVICES COMPENSATION SCHEME We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to the current FSCS limit for deposits. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, each depositor would have a claim up to the FSCS deposit limit and so the maximum amount that could be claimed in total would be twice the current FSCS limit. The FSCS deposit limit relates to the combined amount in all the eligible depositor s accounts with the bank, including their share of any joint account, and not to each separate account. For further information about the scheme (including the current limits, amounts covered and eligibility to claim) please ask at your local Branch, refer to the FSCS website FSCS.org.uk or call the FSCS on or Please note only compensation related queries should be directed to the FSCS

7 How to contact us CUSTOMER SERVICES AND 24 HOUR TELEPHONE BANKING Lines are open 24 hours a day, 7 days a week. Calls may be recorded. CARD ACTIVATION LOST OR STOLEN CARDS INTERNET BANKING marksandspencer.com/bank 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. Effective from 6 April 2016 MSB JAN BME MSCA CA/1613ZAMD5/BME/0116/WEB