We focus on the most important economy in the world. Yours.

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1 We focus on the most important economy in the world. Yours.

2 Welcome to your personal economy. 2

3 Welcome and thank you for choosing HSBC Premier. In this fast-moving global economy, new opportunities and challenges continue to appear remaining financially secure, informed and in control is more important than ever. HSBC Premier is your service, designed to meet your needs, whatever they may be. This brochure introduces you to the many benefits and services we offer you as a Premier customer. If you have any further questions, please don t hesitate to contact your Relationship Manager. HSBC Premier is available to you if you are 18 or over, pay your annual income into your HSBC Premier Bank Account and either: } have savings or investments of at least 50,000 with HSBC in the UK; or } have an individual annual income of at least 100,000 and have one of the following products with HSBC in the UK: a mortgage, an investment, life insurance or protection product. Or, if you qualify for HSBC Premier in another country. Please note: HSBC in the UK excludes M&S Bank, First Direct and HSBC Expat. If applying for a joint account based on annual income, at least one of you must have an individual annual income of at least 100,000. We ll review your account on a regular basis and if you no longer meet the qualifying criteria we ll convert your account to Bank Account. 3

4 Managing your personal economy. At HSBC Premier we focus on the most important economy in the world yours. Your personal economy incorporates and influences all the things that you value most your family, your home, your passions, your work, your legacy. Unique to you, completely interconnected and constantly changing, it requires constant care and attention to keep it in balance. And that s our job at HSBC Premier to provide personal support for your personal economy. 4

5 A dedicated Relationship Manager. Global support. Your personal economy is as unique as you are. Your Premier Relationship Manager is here to provide the guidance you need to make the most of HSBC Premier s many benefits and your money. This level of personal service means everyone is treated the same differently. And as an HSBC Premier customer, you can also be sure of a warm welcome, priority service and personal support wherever you go, right across the globe. HSBC Premier Financial Advice Service One of the key ways in which your Premier Relationship Manager can help is through the HSBC Financial Advice Service. If you have 50,000 or more in savings or investments, are age 18 or over and a UK resident, your Premier Relationship Manager, where appropriate, may introduce you to our HSBC Premier Financial Advice Service. If you agree, we can discuss your objectives and goals and recommend solutions to meet your needs. Fees will apply for this service and in your initial, no-obligation discussion, your adviser will clearly explain these and also discuss the types of products and services we offer. Financial Planning Review If you decide the service is right for you and are happy with the fees involved, your Premier Relationship Manager will carry out an in-depth individual assessment. Using our sophisticated risk profiling software, they will analyse your objectives to ensure our advice reflects your personal needs and goals. Dynamic visuals will illustrate a range of potential investment scenarios, helping you to understand how any recommended investment fits with your risk tolerance. Financial Planning Report Your Premier Relationship Manager will then build your bespoke financial plan, including strategies and solutions that could help you build the future you want and present their recommendations to you in a financial planning report. They ll talk you through their recommendations, explain the total fees involved and answer any questions you may have before implementing any recommendations that you wish to proceed with. We offer restricted advice. This means we don t recommend products from the whole of the market, but offer a limited range of products from a limited number of carefully selected companies, including HSBC. Please remember, the value of investments may fall, as well as rise, meaning you may get back less than the amount you put in. This may be in part caused by exchange rate variations where overseas investments are held. Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years. 5

6 We only succeed if you succeed. Our Premier Relationship Managers are measured on how well they meet your needs and how happy you are with their service. Where appropriate, your Premier Relationship Manager will deliver options to support your needs across education, insurance, retirement, legacy and managing your wealth. If this involves our Premier Financial Advice service, your Premier Relationship Manager will clearly explain our fees upfront and the type of advice we offer in your initial, no-obligation discussion. We also provide services for your family, including: } Helping your children learn how to manage money with an HSBC MyMoney account. } With HSBC Premier family mortgages, your children or grandchildren can enjoy preferential terms on our standard mortgage range. Your home or property may be repossessed if you do not keep up repayments on your mortgage. All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant. 6 6

7 Always there, wherever and whenever you need us. Your personal economy is always with you, so is HSBC Premier. Regardless of the time or your location, our global reach and roundthe-clock telephone service makes it easy to talk to us, wherever life takes you. } Automatic Premier status in all countries where you bank with HSBC.* } Free international account opening before you arrive at your destination when moving abroad. } Global View online, and via the HSBC Mobile Banking App, access to all your global HSBC Premier accounts in one place with a single log-in. } Global Transfers transfer funds between accounts online, and via the HSBC Mobile Banking App, with no transaction charges. } Worldwide emergency replacement for a lost or stolen HSBC Premier credit card within 36 hours. } Cash in the local currency up to the value of US$2,000 (If your debit card is lost or stolen). As an HSBC Premier customer, you can be sure of a warm welcome, priority service and personal support in any of our HSBC Premier Centres. If you re considering living and working abroad, our HSBC Expat banking service could help you to manage your wealth and maximise the opportunities open to you. *Please be aware there are some countries where HSBC does not have a presence. 7 7

8 8 Preferential access to accounts and services.

9 You ve worked hard to build your personal economy. When it comes to managing it, you deserve that same hard work from us. That s why we ve tailored our Premier proposition to include exclusive access to a range of preferential banking services and rewards. } HSBC Premier Credit Card (subject to status) at representative 11.9% APR variable no annual fee, plus rewards on every transaction. } Preferential rates on HSBC Loyalty Cash ISA, HSBC Premier Savings and Regular Saver. } Preferential rates on HSBC personal loans and overdrafts. } Preferential terms on our standard mortgage range including access to interest only and to our lowest buy to let rates. } Dedicated 24-hour telephone banking service.* } Worldwide Travel Insurance for you and your family (if under the age of 70). (HSBC Premier Worldwide Travel Insurance is provided by Aviva Insurance Limited). Terms and conditions apply. Your home or property may be repossessed if you do not keep up repayments on your mortgage. All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant. *Our 24-hour telephone banking is subject to scheduled maintenance periods. Lines are open 24 hours, 365 days a year. To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us. 9

10 Your HSBC Premier Bank Account Your bank account offers: } A 500 interest-free overdraft (subject to status) with a preferential interest rate for borrowing over that limit. For overdraft interest rate charges please refer to the HSBC Premier Price List. } Worldwide Travel Insurance for you, your partner and any dependent children (see Page 18 for more details). Your HSBC Premier Debit Card Your HSBC Premier Debit Card allows you to withdraw up to 1,000 a day from HSBC cash machines in the UK and around the world, without being charged a cash withdrawal fee. There is no charge for withdrawing cash at an overseas HSBC cash machine. However, some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of withdrawal. Please also note that all foreign currency transactions are subject to a non-sterling transaction fee, currently 2.75% of the sterling amount of the transaction. 10

11 HSBC Premier essentials

12 The HSBC Premier Credit Card. With no annual fee and a representative 11.9% APR variable, the HSBC Premier Credit Card is your passport to a world of benefits. To apply, please call the HSBC Premier telephone banking service on * (textphone ). All credit applications are subject to status

13 HSBC Premier Reward Points: For every 10 you spend on your credit card, you ll earn two HSBC Premier reward points. Your points can help you on your way to your dream holiday destination, be saved up to treat yourself or someone special, or even used to help a favourite charity. You can redeem your points: } For airline frequent flyer miles. } For retail vouchers from stores including Amazon, Marks & Spencer and Debenhams. } For quality wines and champagnes from Laithwaites, delivered straight to your home or office. Redeem your points online by logging on to Online Banking at or by calling us on * Alternatively, we can automatically redeem them for you just call us or go online and decide whether you want to receive retail vouchers or have donations made to the charity of your choice. World-class offers Our global programme gives you access to a wide range of exclusive travel, dining, shopping offers, discounts and upgrades from renowned brands both in the UK and abroad. To find out more about these exclusive benefits, visit Worldwide protection If your HSBC Credit Card is lost or stolen when you re abroad, we can arrange an emergency replacement within 36 hours. Where there are no HSBC branches, we can also arrange an emergency cash advance at 245,000 locations worldwide Our fraud detection systems identify overseas transactions made on your card. To help further protect you and ensure maximum efficiency of your card while abroad, register your travel plans by calling us on call * (textphone ) or online. This will also mean you re less likely to be asked to verify your identity when making a purchase. Extended warranty cover You can extend the manufacturer s warranty for up to two years on most household appliances costing between 50 and 2,000 when you pay with your HSBC Premier Credit Card and you will be entitled to the extended warranty cover. Most household appliances are eligible providing they are registered within 90 days of purchase. You can register up to three items of equipment (six if a joint card is held) per calendar year. Cover is provided by Domestic & General Insurance PLC and is only available to residents of the UK, the Channel Islands and the Isle of Man. Policy terms and conditions also apply. To find out more, call or visit Telephone lines for Domestic & General are open 8am to 8pm Monday to Sunday, except Christmas Day, Boxing Day and New Year s Day. *Our 24-hour telephone banking is subject to scheduled maintenance periods. Lines are open 24 hours, 365 days a year. To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us. 13

14 Ways to bank with HSBC Premier. 14

15 You can choose to manage your money however it suits you. We offer 24-hour* telephone and internet banking services, plus Express Banking machines in branches across the UK for speed and convenience. If you re new to HSBC, you ll need a security number to get started with telephone and internet banking. To set yours up, visit your local branch or call the HSBC Premier telephone banking service on the number below. Telephone banking With HSBC Premier you have 24-hour* access to our dedicated HSBC Premier telephone banking service. Whatever time you call, you ll always be able to speak to a member of our team. For speed, you can use our automated telephone banking service for simple transactions like balance checks and ordering statements. Once you have your security number, all you ll need is your sort code and account number to hand when you call. Call the HSBC Premier telephone banking service on (UK)* (overseas), (textphone ). Online Banking Manage your money online wherever you are in the world, 24 hours a day, subject to planned maintenance periods. Once you have your security number, you can register online to activate this service. Visit and click on Online Banking. To explore all the features our service offers, take a look at our online demonstration at To help us continually improve our service and in the interests of security, we may monitor and/or record your communications with us. Textphone *Our 24-hour telephone banking is subject to scheduled maintenance periods. Lines are open 24 hours, 365 days a year. Mobile Banking app Bank on the go with the HSBC Mobile Banking app for iphone, ipad, Android and Blackberry 10. It lets you manage your personal accounts easily and securely from your mobile phone. } Send and receive payments between registered users securely using only a mobile number with Paym. } View balances and up to 90 recent transactions. } Make bill payments to existing beneficiaries. } Transfer funds between your HSBC personal accounts. } Read secure messages. } Use Global View to view balances on your globally linked accounts. } Make Global Transfers from your UK HSBC Accounts to your other HSBC Group Accounts. 15

16 Preferential Services. Personal loans Our most preferential rates on our personal loans are available exclusively to HSBC Premier customers. In most cases, we can offer an instant decision. When a decision requires further consideration, we aim to give you an answer within 24 hours. We ll transfer the funds the same day, if approved online or in branch. Our representative 3.9% APR may not be the same rate you receive, we ll offer you a rate based on our assessment of your personal financial circumstances. With a personal loan you have a range of options to manage your repayments including taking a repayment holiday, either for the first three months or every January for the life of your loan. Remember that more interest will be payable overall if you choose this option. If you already have a loan with us and need to extend your borrowing through new lending, you could easily and quickly apply online to borrow more. All further credit applications are subject to status. Please speak to your Relationship Manager in branch, call us or visit www. hsbc.co.uk to see our latest rates and terms. Moving your money around the world with Global View and Global Transfers Multiple bank accounts in different countries can be difficult to control especially when you want to move your money around. With Global View you can view your HSBC accounts from around the world on one screen and manage your money from a single internet banking log-on. Global View allows same day transfers, and as an HSBC Premier customer, you won t be charged transaction charges when making a Global Transfer. Please note there are some countries where HSBC does not have a presence, where bank accounts and Global View are not available. HSBC Premier Mortgages As an HSBC Premier customer, you have access to exclusive benefits from our range of mortgages. } Preferential terms on our standard mortgage range. } HSBC Premier family mortgages access to preferential terms for your children and grandchildren. } Buy to let mortgages at our lowest available rates. } Interest only mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage. All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant. 16

17 Additional Services. Home Insurance Protect your home and belongings with home insurance from HSBC. HSBC Home insurance is provided by Aviva Insurance Limited and is built to help cover you against losses or damages. (Terms and conditions apply). For a Home Insurance quote contact us on Lines are open 8am to 9pm Monday to Friday and 9am to 5pm Saturday and Sunday excluding Christmas Day, Boxing Day and New Year s Day. Calls may be monitored or recorded. Aviva Distinct If you have personal contents with a value of more than 80,000 (excluding jewellery and watches) or a private house with a rebuild cost of over 500,000 - Aviva Distinct is a bespoke insurance designed for people with specialist needs. The team will discuss your requirements and help you arrange the best home insurance cover for you. For a specialist home insurance quote or more information contact Aviva Distinct on * or speak to your Relationship Manager. Please be advised Aviva Distinct is available to any HSBC customer that meets the eligibility criteria. *Opening hours are 9am to 5pm Monday to Friday. To help us continually improve our service and in the interests of security, we may monitor and record your calls with us. Terms and conditions apply. 17

18 International Services. Worldwide Travel Insurance As part of your HSBC Premier experience, you enjoy the benefit of Premier Worldwide Travel Insurance at no extra cost. Our cover gives you, your partner and any dependent children worldwide protection. Please note: holidays in the UK, Channel Islands and Isle of Man will only be covered if they include two or more consecutive nights stay in pre-booked holiday accommodation. Important information: Worldwide Travel Insurance is provided by Aviva Insurance Limited. To be covered, you must have been resident and liable to pay taxes in the UK, Channel Islands or Isle of Man and registered with a doctor for at least six months at the time of opening the account Policy Terms and Conditions apply. For more information Feel at home at our HSBC Premier centres worldwide. At any one of our 300 HSBC Premier centres across the globe, you can be put in touch with your Relationship Manager in the UK, access internet banking and even use our meeting rooms for your own business needs. Find an HSBC Premier centre at 18

19 Global Emergency Services Should you ever experience an emergency while you re abroad, help is always at hand. Simply walk into any HSBC branch and identify yourself or call us on * and you ll be given immediate access to our range of HSBC Premier emergency services. } A replacement for a lost or stolen credit card within 36 hours. } Cash in the local currency up to the value of US$2,000 (If your debit card is lost or stolen). } Direct connection to the HSBC Premier Telephone Banking service in the UK we ll help in any way we can. HSBC Premier family services overseas As an HSBC Premier customer, the benefits don t stop with you they also extend to your family. Each of your children aged 11 and over is entitled to an HSBC Premier Recognition Card which will give them access to the emergency services detailed on this page. *Our 24-hour telephone banking is subject to scheduled maintenance periods. Lines are open 24 hours, 365 days a year. To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us. 19

20 20 20 Premier Family.

21 One of the most important life skills you can teach your children is to understand the value of money. Our children s HSBC Premier MyMoney accounts gives your child the opportunity to manage their own money, with your guidance, from a young age, while our HSBC Premier Family Savings accounts offer preferential rates for 18 to 25 year-olds. Children Studying Abroad If your child is thinking of studying abroad, we can have an account open, subject to status, and ready for them before they arrive in over 31 countries. HSBC Premier family mortgages HSBC Premier family mortgages access to preferential terms for your children and grandchildren. Your home or property may be repossessed if you do not keep up repayments on your mortgage. All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant. 21

22 22 Relocating to a new country.

23 If travelling turns into something more permanent, as an HSBC Premier customer you ll have instant access to a wealth of help, advice and support. To make your transition as smooth and hassle-free as possible, we ll make sure all your banking needs are covered before you move. When you get to your new country, your new local Relationship Manager will contact you to make sure everything is running smoothly. Setting up a foreign bank account If you re moving abroad, a bank account is one of the first things you ll need. This can often be difficult to set up but as an HSBC Premier customer, we ll have your new account up and running before you even arrive. Your new account number, along with your cards, cheque books and PINs, will be dispatched within ten working days of receipt of the required documentation and we won t charge you an extra penny in the process. HSBC Expat banking and wealth management We understand that moving abroad changes your personal economy. That is why we offer HSBC Expat, a specialist service that listens to all your expat needs, helps remove the complexity today and put plans in place to build your wealth for the future. A service ultimately designed to provide you with personal support to help grow your personal economy as an Expat. With a 24-hour call centre based in Jersey (UK, Channel Islands), an award winning online banking service and a team of specialists in wealth management, banking and currency management, we have extensive reach and experience in building a long term relationship with internationally mobile clients. Please note: Our banking services across each country can vary significantly due to local legal and regulatory constraints. Our UK International Banking Centre will explain how we can help meet your particular needs. Lines are open 9am to 5pm Monday to Friday (UK time). To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us. 23

24 Important notes Written details of our products and services are available from the address at the back of this brochure. There may be charges for additional services and you ll be advised of these where they apply. Banking products and services HSBC Premier is subject to eligibility criteria, which can be found on page 3 of this brochure. We will review your account on a regular basis and if you no longer meet the qualifying criteria, we'll transfer your account to Bank Account. We'll contact you two months before we do this to advise you of the change and discuss your options. We may vary the eligibility criteria for HSBC Premier from time to time. Account opening and credit facilities are subject to status. Your HSBC Premier Bank Account is subject to our General, Current Accounts and Savings Accounts Terms and Conditions which are included in this pack. Additional services will be subject to the terms and conditions in this brochure and any other terms and conditions we may provide you Important information HSBC Bank plc is established at 8 Canada Square, London E14 5HQ which is its registered office. HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are a financial services organisation and banking institution and is entered in the Financial Services Register under reference number You can check this on the Financial Services Register by visiting the Financial Conduct Authority website or by contacting the Financial Conduct Authority on Our terms and conditions and our dealings with you up until the time your account is opened are governed by the laws of England and Wales for accounts held in the UK or, for accounts held in the Channel Islands or the Isle of Man, by the laws of the Island where your account is held. We are required by law to tell you the terms and conditions are in English and we will communicate with you in English. Further information and written details about our products and services are available from any of our branches or from Customer Information, PO Box 6201, Coventry CV3 9HW. We reserve the right to decline applications for any product, account or service. Our credit facilities are subject to status. 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 including most individuals and small businesses 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 separate claim up to the FSCS deposit limit and so the maximum amount that could be claimed in total would be twice the current FSCS deposit 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. 24

25 First Direct and HSBC are both trading names of HSBC Bank plc and customers who hold deposits under both trading names will only be eligible for one claim of up to the FSCS deposit limit in total. For further information about the compensation provided by the FSCS (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. If you have a complaint please let your local branch manager, or the manager of the department concerned know. We will endeavour to resolve your concerns and put matters right. If your complaint is not settled to your satisfaction you may be able to refer it to the Financial Ombudsman Service. Our Listening to your Comments leaflet contains further details. In the Channel Islands and the Isle of Man, please allow our Customer Relations Team to take the first opportunity to answer your concerns and put matters right. You can telephone the Customer Relations Team on We hope that you will not need to progress beyond this step. If you cannot settle your complaint, you may be entitled to refer it to the Financial Services Commissions in Jersey or Guernsey and the Financial Services Ombudsman Scheme for the Isle of Man. We will tell you if your application has been successful and when we will open your account. This may be subject to appropriate identification, address verification or other specified documentation being produced to us. For a period of 14 days after the date you are provided with the HSBC Premier Service you have the right to cancel your contract with us and close your account without charge. For applications completed by telephone, this period will start from the date you receive the Terms and Conditions in the post. You can also tell us at any time thereafter to close your account. In both instances we must receive your instructions in writing or via our Personal Internet Banking service (you can only use our Personal Internet Banking service if you have two or more accounts with us, including any First Direct accounts, and the balance on your account is being transferred to another account with us). If it is a joint account we must receive instructions from all account holders. We have the right to close your account at any time and will normally give you at least two months notice of this. HSBC subscribe to the Lending Code. Cash Machines Some of our UK self-service machines let you use your debit card to make cash withdrawals in euros or US dollars. The HSBC prevailing currency exchange rate, the amount of currency you will receive and the sterling equivalent of your currency withdrawal will be detailed on screen. This amount will be immediately deducted from your account balance. Card Usage You are not liable for any transactions undertaken if your HSBC Bank credit/ debit card is misused by someone who obtained it without your consent. We reserve the right to investigate and ultimately hold registered cardholders liable if we believe/prove that the cardholder was negligent, or participated/ assisted in the completion of the fraudulent transactions. For more information, please see our General Terms and Conditions and Current Accounts Terms and Conditions (for Debit Cards) and our Credit Card Terms and Conditions (for Credit Cards). Unless you agree that the currency conversion is done at the point of sale or 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 from the card support section of hsbc.co.uk or by calling us on the usual numbers. We will deduct the payment and the fee from your account once we receive details of the payment from the card scheme, at the latest, the next working day. Overseas cash machine withdrawals made with your HSBC Premier Visa Debit Card are free of ATM transaction fees) if the cash withdrawal is made from an HSBC cash machine. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of withdrawal. 25

26 Mortgages Our mortgages are subject to security and status. A charge will be taken over the property. Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Travel Insurance Travel Insurance is subject to policy terms and conditions and is only available to customers under 70 years of age who are resident in the UK, Channel Islands or Isle of Man. Please note: To be resident, your main home must be in the UK, Channel Islands or Isle of Man and you must be registered with a local doctor and liable to pay local taxes. You must have been resident for at least six months at the time of opening your account to qualify for Worldwide Travel Insurance. You must declare any pre-existing medical conditions suffered by you and any persons insured by the travel insurance to the Insurer s medical assessment helpline, at the time of opening your HSBC Premier bank account or when booking your trip. You also need to tell them about any medical conditions suffered by anyone whose health may affect your travel plans, such as a close relative, travelling companion or close business associate. If you fail to tell them about your pre-existing medical conditions, your insurance may not be valid and you may not be covered. Policy terms and conditions apply. Global View and Global Transfers Before you can make a Global Transfer your accounts will need to be linked. Foreign currency exchange rates may apply. Interest rates Rates on HSBC Premier Savings Account are preferential when compared to our Flexible Saver or any account that replaces it. We will pay you interest after deduction of basic rate tax. If you are a higher rate tax payer you may have to pay the higher rate of income tax on any interest credited to your account. To benefit from preferential rates on our Cash ISA or HSBC Premier Savings Account you must continue to hold the HSBC Premier service. If you no longer have the HSBC Premier service you will no longer receive the preferential rate but will receive our standard rate. You will only be able to receive Preferential interest monthly on our Cash ISA. If you no longer qualify for the HSBC Premier service and your interest reverts to our Banking or Advance Cash ISA rate, you will continue to receive interest monthly. Overdrafts If you have an overdraft you have to pay overdraft interest in the usual way. The first 500 is interest free. For overdraft interest rate charges please refer to the current HSBC Premier Price List. Financial planning HSBC Premier Financial Advice is only available to UK residents who have at least 50,000 in savings and investments. We offer restricted advice. This means we don t offer products from the whole of the market, but rather recommend from a select range of products and providers. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years. We are required to advise you that if you undertake investment business with any non-uk members of the HSBC Group you will be excluded from the benefits of the rules and regulations made under the UK s Financial Services and Markets Act 2000, including the UK s Financial Services Compensation Scheme. Our will writing service, executorship service and investment management services are provided by HSBC Trust Company (UK) Limited. Telephone banking HSBC Premier telephone banking and Personal Internet Banking services are open 24 hours a day subject to planned maintenance periods. To ensure that we carry out your instructions accurately, to help us continually improve our service and in the interests of security we may monitor and/or record your telephone call with us. Jersey, Guernsey and the Isle of Man In Jersey, HSBC Bank plc is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation and Investment Business and we abide by the Jersey Codes of Practice for Consumer Lending. 26

27 In Guernsey, HSBC Bank plc is licensed by the Guernsey Financial Services Commission for Banking, Insurance, Collective Investment Schemes and Investment Business. In the Isle of Man, HSBC Bank plc is licensed by the Isle of Man Financial Supervision Commission and our principal address is: HSBC Bank plc, PO Box 20, HSBC House, Ridgeway Street, Douglas, Isle of Man IM99 1AU. Deposits made with our branches in the Channel Islands and the Isle of Man are not protected by the rules made under the UK s Financial Services and Markets Act 2000 for the protection of retail clients, including the UK Financial Services Compensation Scheme and the Financial Ombudsman Service. In Jersey, HSBC Bank plc is a participant in the Jersey Banking Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50,000. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website or on request. In Guernsey, HSBC Bank plc is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for qualifying deposits up to 50,000, subject to certain limitations. The maximum total amount of compensation is capped at 100,000,000 in any five year period. Full details are available on the Scheme s website or on request. Deposits made with our branches in the Isle of Man are protected by the Isle of Man Compensation of Depositors. Regulations Full details available on request. All interest is paid gross except to residents of the European Union. If you are residing in the EU and have accounts in Jersey depending on your circumstances, credit interest may be subject to a retention tax. As an alternative, you can opt to have your account details reported ultimately to your local tax authority. If you have accounts in either Guernsey or the Isle of Man you will have your details reported to your local tax authority. Your tax situation will depend on your personal circumstances and we recommend you obtain independent tax advice. Any tax information in this leaflet is based on our understanding of current and proposed legislation and practice. The legislation and practice may be subject to change. Cash ISAs are not available to residents of Jersey, Guernsey and the Isle of Man. Textphone is not available to residents of Jersey, Guernsey and the Isle of Man. International Personal Banking Services These services are provided in conjunction with other members of the HSBC Group. The service provided will vary by country depending on HSBC s service offering in that country. The International Banking Centre will inform customers of what is available prior to any account being opened. Credit facilities are provided subject to local legal and compliance requirements. You should not deposit funds or use your new account until you have entered the country in which the account has been opened. This does not apply to HSBC Bank International Limited or where you have an existing HSBC account or established place of residence in that country. Opening accounts outside of the UK Please note that if you undertake investment business with any non-uk members of the HSBC Group, you will be excluded from the benefit of the rules and regulations made under the UK s Financial Services and Markets Act 2000, including the UK s Financial Conduct Compensation Scheme. Insurance Product Providers The companies providing insurance covered in this brochure are: Travel Insurance Aviva Insurance Limited, a member of the Aviva Group Extended Warranty Domestic & General Insurance plc. Home Insurance Aviva Insurance Limited The above insurance providers are authorised and regulated by the Financial Conduct Authority. Other service providers Global Emergency Services are provided by the Global Service Assistance Centre, part of MasterCard International. MasterCard United Kingdom address is: 10 Upper Bank Street, Canary Wharf, London E14 5NP 27

28 Customers with disabilities We offer many services including Braille and large print statements and sign language interpretation. For more information, just visit or call us on * (textphone ), if calling from overseas please call , for the Channel Islands and Isle of Man or call in at any HSBC Bank branch. *Our 24-hour telephone banking is subject to scheduled maintenance periods. Lines are open 24 hours, 365 days a year. To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us. This document has been printed on paper made from responsibly-managed forests. Issued by HSBC Bank plc Customer information: PO Box 6201, Coventry CV3 9HW PO Box 14, St Helier, Jersey JE4 8NJ PO Box 31, St Peter Port, Guernsey GY1 3AT PO Box 20, Douglas, Isle of Man IM99 1AU Printed by St Ives Management Services Ltd. WPCOMP1 MCP /14 HSBC Bank plc All Rights Reserved. AC30088

Personal support for your personal economy. HSBC Premier Account

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