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Contents.

3 Welcome to your personal economy.

3 Managing your personal economy.

4 A dedicated Relationship Manager. Global support.

5 We only succeed if you succeed.

5 Always there, wherever and whenever you need us.

6 Preferential access to accounts and services.

7 HSBC Premier essentials.

7 The HSBC Premier Credit Card.

8 Range of Travel Benefits available with your HSBC Premier Credit Card.

9 Ways to bank with HSBC Premier.

10 Preferential Services.

10 Additional Services.

11 International Services.

12 Premier Family.

12 Relocating to a new country.

13 HSBC Premier Golf Network.

14 Important notes.

14 Important information.

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Welcome to your personal economy.

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 an HSBC Premier customer. If you have any further questions, please don’t hesitate to contact your Premier 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, includes the Channel Islands and the Isle of Man but 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 another HSBC current account. We’ll always tell you at least two months before we convert your account.

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.

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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

Whether your dream is to retire in style, put your children through university or protect your loved ones, financial planning can help you secure the future you’ve imagined.

You can be assured that with a genuine understanding of your needs, we can show you the steps you might take to start building the future you want.

If you have £50,000 or more in savings or investments, are age 18 or over and a Channel Islands or Isle of Man resident, your Premier Relationship Manager, where appropriate, may introduce you to our HSBC Premier Financial Advice Service.

We offer holistic advice, and what we mean by this is that we assess your needs across all of the following four areas:

• Protecting you and your family

• Saving for your children’s future and education needs

• Managing and growing your wealth

• Passing on your wealth

This holistic approach gives us a clearer picture of what’s important to you.

If you are interested in our HSBC Premier Financial Advice Service, 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 Premier Relationship Manager will clearly explain these and also discuss the types of products and services we offer.

We offer a limited range of products from a limited number of carefully selected companies, including HSBC.

Please remember, 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.

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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.

We also provide services for your family, including:

• Helping your children learn how to manage money with HSBC Premier MyMoney.

• With HSBC Premier family mortgages, your children or grandchildren could enjoy a reduction in booking fees 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.

Always there, wherever andwhenever you need us.

Your personal economy is always with you and so is HSBC Premier. Regardless of the time or your location, our global reach and round-the-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.*1

• 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.

*1 Please be aware there are some countries where HSBC does not have a presence.

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Preferential access toaccounts and services.

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 the HSBC Premier Account to include exclusive access to a range of preferential banking services and rewards.

• HSBC Premier Credit Card (subject to status) at representative 18.9% APR variable – no annual fee, plus rewards on every transaction.*1

• Preferential rates on HSBC Premier Savings and Regular Saver.*1,2

• Preferential rates on HSBC personal loans and overdrafts.*1,3

• Reduced booking fees, where applicable, on our standard mortgage range.*1

• Dedicated 24-hour telephone banking service.*4

• 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.*1

*1 Certain features and benefits are subject to status and meeting HSBC’s proof of UK, Channel Islands or Isle of Man address requirements.

*2 Preferential rates compared to our Bank Account and Bank Account Pay Monthly products.

*3 Preferential rates compared to our Bank Account and Bank Account Pay Monthly products, and for overdrafts also compared to our Advance Bank Account.

*4 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.



Your HSBC Premier Bank AccountYour HSBC Premier Bank Account offers:

• A preferential overdraft debit interest rate*1 with the first £500 interest free (overdraft subject to status). For overdraft interest rate charges please refer to the Personal Banking Terms and Conditions and Charges.

• Worldwide Travel Insurance for you, your partner and any dependent children (see Page 11 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, Channel Islands and Isle of Man and around the world*2, without being charged a cash withdrawal fee.

Some other 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. *1 Preferential rate compared to our Bank Account, Bank Account Pay Monthly and Advance Bank Account.

*2 These transactions are subject to a non-sterling transaction fee, currently 2.75% of the amount of the transaction.

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HSBC Premier essentials.

The HSBC Premier Credit Card.

With no annual fee and a representative 18.9% 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 0345 600 6161* (textphone 0800 028 0126). All credit applications are subject to status.

HSBC Premier Reward Points: For every £1 you spend on your credit card within the UK*1, you’ll earn one HSBC Premier Reward Point, and for every £1 you spend on your HSBC Credit Card outside the UK you’ll earn two HSBC Premier Reward Points. Your points can 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.

Redeem your points online by logging on to Online Banking at www.ciiom.hsbc.com or by calling us on 0345 600 6161. 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 www.ciiom.hsbc.com/credit-cards/products/premier

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 03457 70 70 70*2 (textphone 0800 028 0126) 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, for free, when you pay with your HSBC Premier Credit Card. 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.

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To find out more, or to register appliances, call 0800 169 1074 or visit www.ciiom.hsbc.com Telephone lines for Domestic & General are open 8am to 8pm Monday to Sunday, except Christmas Day, Boxing Day and New Year’s Day.*1 Within the UK includes spend in Channel Islands and the Isle of Man.

*2 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.

Range of Travel Benefits availablewith your HSBC Premier Credit Card.

The HSBC Premier Credit Card offers you are range of travel benefits that will help throughout your journey.

LoungeKey Airport Lounge Access

As an HSBC Premier Credit Card holder, you and your guests can access over 750 Airport Lounges around the world brought to you by LoungeKey. Get away from the hustle and bustle of a busy airport and relax whilst you enjoy a range of refreshments.

Please note that lounges charge £15 per person per visit and visits are subject to lounge availability.

Terms and conditions apply.

Global Wi-Fi

Enjoy free, unlimited Wi-Fi through Boingo at over one million hotspots worldwide. Connect up to four devices at airports, hotels and popular places around town. Sign up with your Premier Credit Card at www.hsbcuk.boingo.com


Expedia Savings

Receive a 10% discount on selected hotels booked with your HSBC Premier Credit Card through www.expedia.co.uk/HSBCPremier

Cardholders also benefit from 12 months complimentary Expedia+ Gold Membership*.

*Expedia+ Gold Membership will be available from the 7th December 2016.


Agoda Discount

10% discount on over 180,000 hotels booked with your HSBC Premier Credit Card booked through www.agoda.com/HSBCPremier


Get there with Uber

Receive a £20 Uber promo code to your registered email address everytime you purchase airline ticket(s) (value of £500 and above) using your HSBC Premier Credit Card and this card is used within your Uber app.


Further details and terms and conditions can be found at www.ciiom.hsbc.com/credit-cards

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Ways to bank with HSBC Premier.

You can choose to manage your money however it suits you. We offer 24-hour* telephone, online and mobile banking services.

If you’re new to HSBC, you’ll need a security number to get started with telephone and Online Banking. To set up your access, 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 0345 600 6161, +44 1226 260 260 (overseas), or 03457 125 563 (textphone).

Online Banking

Manage your money online wherever you are in the world, 24 hours a day.* Once you have your security number, you can register online to activate this service. Visit www.ciiom.hsbc.com and click on Online Banking.

To explore all the features our service offers, take a look at our online demonstration at www.hsbc.co.uk/online-demo

* Our 24-hour telephone banking and Online Banking services are subject to scheduled maintenance periods. Lines are otherwise 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.

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.

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Preferential Services.

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 Online 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.

• Reduced booking fees, where applicable, on our standard mortgage range. This also extends to your children and grandchildren under our HSBC Premier family mortgages.

Please speak to your Premier Relationship Manager in branch, call us or visit www.ciiom.hsbc.com to see our latest rates and terms.



Additional Services.

HSBC Premier Personal loans

Our HSBC Premier Personal Loans are available between £1,000 and £25,000.

Please speak to your Premier Relationship Manager in branch, call us or visit www.ciiom.hsbc.com to see our latest rates and terms.

All credit applications are subject to status. Terms and conditions apply.

HSBC Buy to Let Mortgages

If you’re looking to buy or remortgage a Buy to Let property, our Buy to Let mortgages could be the answer. Whether you’re starting or expanding your property portfolio, our Buy to Let mortgage range can help you get going.

Our Buy to Let mortgages are available up to 75% loan to value and a maximum Buy to Let lending limit applies. Other fees and charges may be payable including legal fees and charges levied by your existing lender.

Think carefully before purchasing a Buy to Let mortgage. Our Buy to Let mortgages are available to customers who meet our Buy to Let mortgage borrower eligibility criteria. Remember, you are responsible for making the monthly payments even when the property does not have a tenant. Not all properties will grow in value or provide sufficient income to cover all your associated costs.

Your property may be repossessed if you do not keep up repayments on your mortgage.

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Home Insurance

Protect your home and belongings through home insurance with HSBC. HSBC home insurance is provided by Aviva Insurance Limited and is designed to help cover you against losses or damages. (Terms and conditions apply.)

For a home insurance quote contact us on 0800 277 377.*1 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.

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 0800 068 1577*1 or speak to your Premier Relationship Manager. Lines are open 9am to 5pm Monday to Friday. Terms and conditions apply.

Please be advised Aviva Distinct is available to any HSBC customer that meets the eligibility criteria.*1 To help us continually improve our service and in the interests of security, we may monitor and record your calls with us.

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: to be eligible for protection, you must be under the age of 70 on the start date of your trip.

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 the Isle of Man and registered with a doctor for at least six months at the time of booking your trip or opening the account, whichever is the later. Policy Terms and Conditions apply.

For more information – www.ciiom.hsbc.com/insurance

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 Online Banking and even use our meeting rooms for your own business needs.

Find an HSBC Premier centre at www.ciiom.hsbc.com/branch-locator

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 0345 600 6161* and you’ll be provided with access to our range of HSBC Premier emergency services, which include:

• 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.

*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.

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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.

Premier Family.

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 account gives your child the opportunity to manage their own money, with your guidance, from a young age. Encouraging children to save from the age of 7 and offer them the experience of managing a current account from 11 years old.

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 30 countries and territories worldwide.

HSBC Premier family mortgages

HSBC Premier family mortgages – access to reduced booking fees, where applicable, for your children and grandchildren.


Certain features and benefits are subject to status and meeting HSBC proof of UK, CI, IOM address requirements.


Relocating to a new country.

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.

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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. All applications are subject to status.

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 (Channel Islands), an award winning banking service with 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.

HSBC Premier Golf Network.

As an HSBC Premier customer, you are eligible for free membership of our HSBC Premier Golf Network. With a select group of clubs around the UK as partners, the network has been set up to provide preferential access for players of all abilities. And even non-golfers can enjoy the discounts on offer at popular spa and leisure destinations.

Once you’ve registered, you’ll be able to tee off with the following benefits:

• Preferential rates on green fees

• Priority booking on tee times seven days a week at our network of nationwide golf courses

• Special offers on lessons with club professionals at our network of courses

• A free bucket of range balls during HSBC Hour, an allotted time at each club

• Regular tips from leading professionals with our monthly e-newsletter

• Key skills and drills to help improve your game, courtesy of St.Andrews Links Golf Academy, and exclusive rates to play at the home of golf itself

• Discounted breaks at popular golfing destinations – including spa and other leisure options for non-golfers.

To register and for more details on the exclusive benefits you’ll receive, visit www.premier-golf-network.hsbc.co.uk

Certain features and benefits are subject to status and meeting HSBC proof of UK, Channel Islands or Isle of Man address requirements.

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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 when 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 another HSBC current 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 Personal Banking Terms and Conditions and Charges 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 entered in the Financial Services Register under reference number 114216. You can check this on the Financial Services Register by visiting the Financial Conduct Authority website www.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.

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.

HSBC Expat is the trading name of HSBC Bank International Limited regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation, Investment and Fund Services Business.

Compensation

HSBC Bank plc, Jersey Branch, is a participant in the Jersey Bank 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 www.gov.je/dcs, or on request. HSBC Bank plc, Guernsey Branch, 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 5 year period.

Full details are available on the Scheme’s website www.dcs.gg or on request. HSBC Bank plc in the Isle of Man is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010. Full details are available on the Scheme’s website www.iomfsa.im or on request.

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Complaints

If you have a complaint please let us 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 relevant Financial Ombudsman Service.

For accounts held in the Channel Islands you may be entitled to refer your complaint to the Channel Islands Financial Ombudsman at PO Box 114, Jersey, JE4 9QG.

For accounts held in the Isle of Man you may be entitled to refer your complaint to the Financial Services Ombudsman Scheme in the Isle of Man at Thie Slieau Whallian, Foxdale Road, St John’s, Isle of Man IM4 3AS.

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 our Personal Banking Terms and Conditions and Charges 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 Online Banking service (you can only use our Online 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 subscribes to the Lending Code.

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 Personal Banking Terms and Conditions and Charges 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 should be advised on screen at the time of withdrawal.

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.

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Please note: To be resident, your main home must be in the UK CIIOM, 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 booking your trip or opening your account, whichever is the later, 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 Risk 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.

Interest rates

Rates on HSBC Premier Savings Account are preferential when compared to our Flexible Saver or any account that replaces it.

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 Personal Banking Terms and Conditions and Charges.

Financial planning

HSBC Premier Financial Advice Service is only available to CIIOM & UK, Channel Island and Isle of Man residents who have at least £50,000 in savings and investments.

We offer Limited Advice. This means rather than recommending products from the whole of the market, we have elected instead to offer a limited range of products from a limited number of carefully selected companies, including HSBC.

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.

Telephone banking

HSBC Premier telephone banking and Online 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.

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.

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 Services Authority.

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 Bank 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 five-year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je.dcs 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

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period. Full details are available on the Scheme’s website www.dcs.gg or on request. Eligible deposits made with our branches in the Isle of Man are protected by the Isle of Man Compensation of Depositors Regulations 2010. Full details available on request.

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 Expat or where you have an existing HSBC account or established place of residence in that country.

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 by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation 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

Customers with disabilities

We offer many services including Braille and large print statements and sign language interpretation. For more information, just visit www.ciiom.hsbc.com or call us on 0345 600 6161* (textphone 0800 028 0126). If calling from overseas please call +44 1226 261 010, 03456 006 161 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.

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

NRFB1009 MCP4805 09/17 ©HSBC Bank plc 2017. All Rights Reserved. AC30088

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