Miss I K Ghimire What's happening?

18 Sedlescombe gardens Your latest Statement of Fees is enclosed.

St leonards on sea
TN38 0td What dates does it cover?
31 October 2018 to 13 October 2019.
Do I need to do anything?
Please read the information in this letter.

Date: 16 October 2019

Your Statement of Fees

Dear Miss Ghimire,

Please find enclosed your Statement of Fees document for your account ending 4304. This
shows all charges and fees that have been added to your account for the period
31 October 2018 to 13 October 2019. They're displayed based on the types of services you've
used.

If you've received a refund from us during the time covered by the statement, you'll find the
details in the Additional Information summary box. This is at the bottom of the document.

In the past you'll have received an Annual Summary from us. In September 2019, this was
replaced by the Statements of Fees. As this is the first one you've received, it just covers the
time since your last Annual Summary was sent and is not for a full year.

When will I get my next statement?

Moving forward, you'll just receive the Statement of Fees. This'll be sent once every year, and will
show you all charges and fees that may have been added to your account. Please do review it as
it'll allow you to make sure that your account is still suitable, and meets all your needs.

We've enclosed a Frequently Asked Questions leaflet to help you get the most from your
statement. If you do have any additional questions, please get in touch by calling us on
03457 404 404 or if calling from outside the UK, +44 1226 261 010. As you would expect, our calls
are recorded for training and monitoring purposes.

Thank you for choosing banking with HSBC UK.

Yours sincerely,

Your HSBC UK Banking Team

HSBC UK Bank plc. Registered in England & Wales with number 09928412. Registered Office: 1 Centenary Square, Birmingham, B1 1HQ,
United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority. Our Financial Services Register number is 765112.
©HSBC Group 2019. All Rights Reserved.
 Statement of Fees

HSBC UK Bank plc

1 Centenary Square Birmingham B1 1HQ

Telephone: 03457 404 404 (outside the UK +44 1226 261 010)
Textphone: 03457 125 563 (outside the UK +44 207 088 2077)

Miss I K Ghimire

18 Sedlescombe gardens
St leonards on sea
TN38 0td

Account HSBC Advance

Account identification Sort Code: 40-19-06
Account Number: 21394304
Period From 31 October 2018 to 13 October 2019
Date 16 October 2019

• This document provides you with an overview of all the fees for services linked to your payment
account during the period shown above.
• It also informs you about any interest you may have paid or earned during this time.
• Information on individual transactions and account balance can be found on your account
statements.

Summary of fees and interest

Total fees paid (total package of services fees and £38.97

total fees paid)

Total interest paid £0

Total interest earned £0

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Detailed statement of fees paid on the account
Service Fee
Number of Number of
Service times the Unit Fee times the Total
service was fee was
used charged
General account services
Maintaining the account £0 fee not £0
charged
Payments (excluding cards)
Sending money within the UK:

via Faster Payments £0 fee not £0

charged

Receiving money from outside

the UK:

In foreign currency less than £0 fee not £0

£100 charged

In pounds less than £100 £0 fee not £0

charged

Refusing a payment due to lack £0 fee not £0

of funds charged

Direct Debit £0 fee not £0

charged

Standing order £0 fee not £0

charged
Cards and cash
Debit card payment in pounds £0 fee not £0
charged
Debit card payment in a foreign 3 2.75% of 3 £36.97
currency transaction
amount
Cash withdrawal in pounds in £0 fee not £0
the UK charged

Overdrafts and related services

Allowing a payment despite lack £0 fee not £0
of funds charged

2
Other services
Additional copy of your £2.00
statement per sheet
31 October 2018 - 15 June 2019 2 £1.00 2
16 June 2019 - 13 October 2019 £0 fee not
charged
Cancelling a cheque £0 fee not £0
charged
Total fees paid £38.97

Detail of interest paid on the account

Interest rate Interest

Total interest paid interest not

applicable

Detail of interest earned on the account

Interest rate Interest
HSBC Advance
Total interest earned interest not
applicable

Additional information

The total corrections applied to your account were £0

The total refunds applied to your account were £0

A 'correction' is where we have given you advance notice of a charge that is payable, but has
since been amended before being taken from your account. A 'refund' is where the charge has
already been taken from your account but has since been refunded.

The total fees paid as mentioned in the Summary of Fees and Interest section is the final value
after totalling any refunded amounts and/or corrections from the total fees charged.

If you have sent money using the CHAPs service, the total figure shown will be inclusive of all
standard fees and any agreed amended fees that you have been charged in this period.

If you have used our Unarranged Overdraft service, the value in the 'number of times service
used' column will always be equal to the 'number of times service charged' column. This is
because we will only reflect usage of the service if a fee has been charged. In some cases, you
may have used the Unarranged Overdraft service but will not have been charged for doing so
e.g.:
– If you pay in money to bring the unarranged borrowing below £10 before the end of the day
(11:45pm)
– the unarranged overdraft is £10 or less
– your account has had an unarranged overdraft for more than 30 days in a row; or

3
 – your account has an unarranged overdraft only because of an overdraft or interest
– you have hit the Monthly Maximum Charge for unarranged overdrafts on your account.

The monthly cap on unarranged overdraft charges for your account is £80.00. Further details can
be found online at www.hsbc.co.uk/overdrafts

As well as applying the Monthly Maximum Charge, we also won't charge you more unarranged
overdraft usage fees in a charging period than the total amount of the unarranged overdraft that
you've used in that period. For example, if you've used an unarranged overdraft of £50 for 12
days in any charging period we'll charge £50, rather than £60 (£5 daily fee x 12). The first
charging period runs from the day you open your account, unless another day is agreed.

Our Overdraft fees and Interest rates are variable. We'll contact you about any changes we're
making to overdraft fees and interest rates. The reasons for making changes, and how we'll tell
you about them, are set out fully in the terms that apply to your current account but, in brief, if the
change is favourable to you, we may make the change immediately and tell you later. Otherwise,
we'll always give you at least 30 days' personal notice (which includes statement messages and,
if you've agreed, email, mobile message and any secure storage facility we provide through
online banking). Changes will apply from the date given in your notice.

The other fees and charges that apply to your current account are also subject to change. We'll
always tell you if we are making a change. The reasons for making changes and how we'll tell
you about them are set out fully in the terms that apply to your current account.

EAR: Effective Annual Rate - takes account of the interest rate, the compounding of interest and
how often interest is charged, and does not include any other fees or charges.

4
 Frequently Asked Questions for Statement of Fees

Q: What is a Statement of Fees and why is it being sent to me?

A: From 31 October 2018, our current account customers will receive a Statement of Fees. Usually
this'll be sent to you every year. It's instead of the Annual Summary which you may have had
before.
The Statement of Fees shows:
• Any fees or charges that have been charged in the statement period (usually a year).
• The interest rates for all services that are linked to your current account.
The aim of this is to make it easier for you to see how much you pay for services on your account
and compare providers making it easier for you to see the differences between similar products.

Q: How will I receive a Statement of Fees?

A: You'll receive it every year. It'll be sent around the anniversary of the date that you opened your
account with us. If you've opted to receive letters from us electronically, we'll add it to your online
Personal Internet Banking account. To view this visit hsbc.co.uk and login using your secure key.
We'll send you an email to let you know when it's ready. If you haven't, you'll get it in the post.

Q: I have more than one current account with you. Will I receive a Statement of Fees for
each account?
A: You'll get one statement for each account you have with us. It'll be sent around the anniversary
of the date that you opened your account. This is why you may get them at different times if you've
a number of accounts with us.

Q: Why does my Statement of Fee's not cover a period of 12 months?

A: We want to make sure everyone gets a statement by 31 October 2019. This is why this one
doesn't cover a full year. It starts from the last day of your Annual Summary.
By looking at your last Annual Summary and this Statement of Fees together, you'll see the yearly
view of your account.

Q: When will I receive a Statement of Fees covering a full 12 months?

A: The next one you receive will cover a full 12 months. It'll be sent around the anniversary of the
date that you opened your account. Some of the information in that version may overlap with the
first Statement of Fees we sent to you.

Q: Why have I received more than one Statement of Fees for the same current account
during the last 12 months?
A: The Statement of Fees replaced the Annual Summary from September 2019, so The first
Statement of Fees just covered the time since your last Annual Summary was sent.
We'll now send you a new statement every year around the anniversary of the date that you
opened your account. You may have received 2 from us due to the changeover. Moving forward
you'll only get one every year for each account you hold with us.

Q: Do I still receive a Statement of Fees if I change my current account?

A: Yes. If you change your current account during the year, you'll get a separate Statement of Fees
for each new account. This'll allow you to see the difference in the fees for each account you've
had over the year. You'll receive them all together on the usual date.

1
Q: Can I request a Statement of Fees from previous years?
A: The Statement of Fees was introduced by us in September 2019. Prior to this you'd have
received an Annual Summary. You can get a copy of this through Online Banking or by giving us a
call on 03457 404 404 if you'd prefer a paper.

Q: You refunded some charges to me in the last 12 months. Are these included in the totals
shown on my Statement of Fees?
A: Yes. It'll show the combined total of all fees, interest and charges paid during the previous 12
months. You'll also be able to see the total amount charged for each service. There is a separate
total for all refunds and corrections; you'll find this under the 'Additional Information' section.

Q: Why do some of the services in the Statement of Fees show 'fee not charged'?
A: There are a number of services that we don't charge for. We'll still show these on your
statement. For example Direct Debits and Standing Orders will be displayed as 'fee not
charged'. You can also visit any branch or call us on 03457 404 404.

Q: I've lost my Statement of Fees. Can I get another copy?

A: Yes. You can get a copy through your Online Banking if you are registered, or by giving us a call
on 03457 404 404 if you'd prefer a paper copy.

Q: Can I change the date I receive the Statement of Fees?

A: No. As we need to ensure that your Statement of Fees continues to show you information for a
full 12-month period, your Statement of Fees will always be produced on the anniversary of your
account opening.

Q: Where can I find details about your fees and charges on Current Accounts?
A: A full list of prices can be found in the 'Charges and Additional Product Terms'.