HSBC <&> UK Mr G Blake 6 Penge Lane LONDON SE20 70U eal 01 December 2023 to 31 December 2023 Account Name Contact tel 03457 404 404 se reverse fo al tines Text phone 03457 125 563, used by dea er speech impaired eustomers ‘ww hsbe.co.uk Your Statement Account Summary Payments in Payments Out 9 Bas AT: Glosing Balance 5,802.23 Arranged Qvercratt Limit 0.00 International Bank Account Number GB68HBUK40090088149577 Branch Identifier Code HBUKGB4 102K Sorteode Account Number Sheet Number Mr Gary Blake 40-09-00 68149577 15 Your Bank Account details Date Payment type and details Paid ont Pid in Balance OF Dee 28 BALANCE BROUGHT FORWARD. sou040 OL Dee 23 BP Aleksandr Tancins iay 2760 5012.80 03Dee23. POS WORLD FOODS LONDON 387 sores 04 Dee 23 POS Groatway Grocery Store LONDON 4123 493640 07 Dee 23 POS Foods & News Express LONDON 369 4490021 09 Dee 23 HP ish Gas bill payment 954 4s04.87 I3Dee23 TR 908880 48250849 INTERNET TRANSFER 200.00 sss IsDee23 POS Katinka LONDON an 49s IsDse 25 POS Waitrose & Partners LONDON 45.4 4937.00 1Dee23 PIM. CASHINHS8C DECI LONDON RS 10:06, 46584 3XXXXXXDS 350.00 5287.00 Dee? BP Colleen Berry transfer 10.00 437700 24Dee23 POS Sainsbury's LONDON son 431733 29Dee23 BP Ana Caroll transfer 1315.00 31Dee23 CR JK Tesh UKLID 2800.00 31 Dee 28 BALANCE CARRIED FORWARD ‘590228 Banking Operations Coventry Harry Weston Road, Binley Coventry CV3 2SHHSBC <&> UK Contact tel 03457 404 404 sec revere fr al ies Text phone 03457 125 563 sed hy eat or sposch impaired esters ‘woww.hsbe.co.tk 01 December 2023 to 31 December 2023 Your Statement Account Name Sortcode Account Number Sheet Number Mr Gary Blake 40-08-00 68149577 16 Information about the Financial Services Compensation Scheme Your deposit is eligible for protection under the Financial Services Compensation Scheme (FSCS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS. org.uk, call into your nearest branch (or call your telephone banking service. Further details can be found on the FSCS Information Sheet and Exclusions List Which is available on our website (wwww.hsbe.co.uk) AER Arranged Overdraft EAR Interest Rates balance variable Interest Rates bolance variable ‘Arranged Overdeal interest 0.0% Banking Operations Coventry Harry Weston Road, Binley Coventry CV3 2SHCommercial Banking Customers Interest and Charges [Your] Business Banking Terms and Conditions cover how and when. ‘we can charge our intrest rates and charges. Details of Debit interest together with details ofthe interest rate we pay and charge in full forall accounts are available in our] Business Price Let Al four] business eurrent accounts are non-intereat baaring ‘whan in credit unless we individually agree a rate with you. Overdrafts: ‘Arranged overdraft: Where you ask us for an overdraft before ‘making any transactions that takes your account overdrawn, or over Your eurent aranged overdralt limit. Interact rates ara individually {agraed, fora period of 12 months, and are linked tothe Bank of England bage rate. For dati of our fees and charges, please celer te our Business Price List - see Additional Information below. Unarranged overdraft: When you make payment that akes your account overdrawn f you don't hava an arranged overraf imi, of takes your account over your arranged overdraft it, When you don't have an arranged overdraft imi, we wil charge our Business Standard Debit interest Rate on any balances, Wien you have an existing arranged overdeat mit and go over this mit, we wil charge interest tthe rate we have agreed wth you onthe balance of your ranged overdraft mit and wil charge Standard Debt erst Rate ‘on any balanes over your arranged overdrat faci, In either ofthese Circumstances, unarenged overdraft charges willbe applied on each ‘working day tal your account is ovrdrawn (f you dont have an lranged overdraft or you go over your arranged ovecraft imi it you have an arranged overral For details of our fees and charges, please see our Business Pic List an for information on our interest Rates ~ see Additonal information below. Your debit card For debit card charges and how foreign currency transactions are converte to sterling please refer to the Business Price Ls. Additional Information ‘copy of our] Business Price List andthe Business Banking Terme and Condens can be found on out webste www business habe.uklen-gbigbigenerio! legalinformation Information on our Interest Rates canbe found on our website wovw business habe uklen-gblinterestrates/interest rates Finance borrowing. Tis iformationi also avaiable in our branches, by caing 03487 60 60 60 tines are open GMT 8am to Tm, Monday to Sundey) or by textphone 0348 12 55 63.[Detas of theinterest tate we pay and charge ae also seperately evalable trough these channels Tohelp us continuously improve our service and in theintrests of security, we may menitor andlor record your telephone cals with us. Personal Banking Customers Interest Crecit interests calculated daly onthe cleared cred balance andis paid monthly applicable thi snot pid on a accounts, e.. Basic Bank Account, Bank Account and HSBC Advance). For personal current accounts, overdraft terete charged on the whole overdraft balance above any interest ree amount. Debit interests calculated daiy onthe cleared debit balance of your account, it acerues during your charging cyte (usually month} ands deducted from your 2ccount folowing the end of your charging cycle. Overdraft ‘Arranged overdraft: Where yau ask us fran overdaft bofora ‘making any raneactione thal takes your account overdrawn, of over your ourentaranged overdra iit Unarranged overdraft Vihen you make @ payment that takes your account overdrawn f you don’ have an arranged overcraft, or takes your account over yur arranged overdraft imi. Effective from 31 December 2023 ‘Monthly cap on unarranged overdraft charges 1. Each currant account will set a monthly maximum charge for (a) going overdrawn when you have not arranged an overdraft; oF (b) acing over/past your arranged overdraft limit i you have one) 2, This cap covers any (a) interest and fees forgoing overfpast your arranged overdraft limit (b} fees for each payment your bank allows despite lack of funds; and (c) fees for each payment your bank refuses due to lack of funds. ‘The manthiy cap on unarranged overdraft charges for the HSBC ‘Advance Bank Account, HSBC Bank Account. HSBC Current Account, Home Management Account and HSBC Graduate Bank Account is £20, ‘The monthly cap on unarranged overdraft charges is not applicable to Bank Account Pay Monthly, Basic Bank Account, Student Bank ‘Account, Amsnah Bank Account and MyAccount as these accounts {do not incur unarranged overdraft charges, Unarranged overdraft charges incurred before 14 March 2020 may dobit your account after this dato (well sil give advance notice). Charges incurred before 14 March 2020 won't count towards tho new £20 cap as they'll relate tothe provious manth’s charging period, Your debit card When you use your card outside the UK, your statement wil show \whore the transaction took place, the amount spent in foreign Currency and the amount converted int sterling, We also monitor transactions to protect you against your card being used fraudulanty. Uniess you agree thatthe curtency conversion is dane a the point of sale or withdrawal and agree the rate at that time, for example with the shopkeeper or on the sat-service machine screen, the exchange rate that applis to any foreign currency debit card payments (including cash withdrawals isthe VISA Payment Scheme Exchange Rate applying onthe day the conversion is made. For foreign currency transactions we will charge a fee of 2.75% ofthe amount fof the transaction, Ths fee will be shown as a separate line on your statement as a ‘Foreign Currency Transaction Fee’ Details of the current VISA Payment Scheme Exchange Rates can be obtained from ‘the card support section of hsbe.co.uk or by calling us onthe usual ‘numbers. We will deduct the payment from your account once we raceive detail ofthe payment from the card scheme, at the latest, the ‘ext warking day For cash machina withdrawals in a currency other than sterling we will charge a Non Sterling Cash Fee of 2% (minimum £1.75, maximum £5). Ths fee appfes to all cash machines outside the UK, and to cash machines in the UK, if we convert the withdrawal ta Sterling for you. HSBC Advance customers are exemp trom this, fee. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this willbe advised on screen at the time of withdrawal Commercial and Personal Banking Customers Lost and Stolen Cards Ifany of your cards are lost or stolen please call 800 032 7075, corif you are calng from outside the UK. please cal us on +84 1442 422 929 Lines are open 24 hours. Dispute Resolution Ifyou have a problem with your agreement, please try to resolve it with usin the frst instance. F you are not happy with the way in which we handled your complaint or the result, you may be able to ‘complain to the Financial Ombudsman Serviee. If you donot take Lp your prablem with us first you will not be entitled to eamplain tothe Ombudsman. We can provide details of how to contact the Ombudsman, Disabled Customers \We offera numberof services such as statements in Baile o large print Please contact us by caling 09457 60 60 60 (ines are open GMT 8am to 10pm, Monday to Sunday) or texiphone 0345 12 55 63 tallet us know how we can serve you better. HSBC UK Bank ple, reostred in England and Wales number 09828412. Rogistted office 1 Centenary Square, Birmingham 81 THO, Authorised by tho Prudent Regulation Authority and regulated bythe Phanciel Conduct ahoniy ond the Prudential Regulation Authorty Under reference number 785112, [RF B1686 MCP54585 CHSDC Group 2019