Your Gold Credit Card statement

Contact tel 08457 404 404 From Overseas tel 44 1226 261 010 Lost and Stolen Cards 08456 007 010 (24 hrs) From Overseas tel 44 1442 422 929 (24 hrs)
MR KARL GRIMES Fuchsia Rosses Point Sligo Ireland IRELAND

Text Phone 1800 108457 125 563 used by deaf or speech im paired custom ers www.hsbc.co.uk Account Summary
Credit Lim it APR Previous Balance Debits Credits New Balance M inim um paym ent Paym ent to be credited by 8,000.00 17.9 % 732.13 1,348.57 1,052.00 1,028.70 25.72 04 Jan 2013

If you do not pay off the full am ount outstanding, w e w ill allocate your paym ent to the outstanding balance in a specific order, w hich is set out on the reverse of this statem ent. The w ay in w hich paym ents are allocated can m ake a significant difference to the am ount of interest you w ill pay until the balance is cleared com pletely. M inimum payments If you m ake only the m inim um paym ent each m onth, it w ill take you longer and cost you m ore to clear your balance.

Your nominated bank account will be debited by 25.72 on 04 Jan

Statement Date

10 December 2012

Card number 4941 2020 8152 3405

Sheet number 1 of 2

MR KARL GRIMES

Your Transaction Details

Received By Us Transaction Date Details

Amount

09 Nov 12 10 Nov 12 12 Nov 12 13 Nov 12 13 Nov 12 13 Nov 12 16 Nov 12 19 Nov 12 24 Nov 12 26 Nov 12 27 Nov 12 03 Dec 12 05 Dec 12 08 Dec 12

07 Nov 12 07 Nov 12 11 Nov 12 11 Nov 12 12 Nov 12 12 Nov 12 15 Nov 12 18 Nov 12 22 Nov 12 23 Nov 12 26 Nov 12 01 Dec 12 01 Dec 12 07 Dec 12

rainbow towers harare ZW 36.60 USD@1.5462 SKY DIGITAL KIRKTON CAMPU IE 33.75 EUR@1.2153 CARREFOUR-MALL OF THE DUBAI AE 396.40 AED@5.6701 The Butcher Shop n Gri Dubai AE 226.00 AED@5.6570 SHOE CITI LLC DUBAI AE 297.50 AED@5.6569 DECATHLON-SPORTING TRE DUABI AE 48.00 AED@5.6537 SHANGRI - LA DUBAI HOT DUBAI. AE 550.00 AED@5.6439 PAYMENT - THANK YOU AVIS DUBLIN APT T1&2 18945887IE2 IE 154.07 EUR@1.1974 AVIS DUBLIN APT T1&2 18980694IE5 IE 154.07 EUR@1.1974 WWW.MILITARY1ST.CO.UK INTERNET EXPEDIA.CO.UK PARIS FR JOHNCRADDOCKLTD.CO 01543 460180 TOP PART SLIGO CO SLIG IE 77.00 EUR@1.2016

23.67 27.77 69.91 39.95 52.59 8.49 97.45 1,052.00CR 128.66 128.66 287.89 193.86 225.59 64.08

Your Gold Credit Card statement

Statement Date

10 December 2012

Card number 4941 2020 8152 3405

Sheet number 2 of 2

Summary Of Interest On This Statement

NO INTEREST CHARGED ON THIS STATEM ENT Estimated interest - next month 19.04

DETACH HERE AND KEEP STATEM ENT

Receiving Cashier' s stam p and initials

Bank Giro Credit

Cheques should be made payable to: HSBC Bank plc Please enter amount in total box Paid in by: Date: Notes 50 20 10 5 Coins Total Cash Cheques

4941 2020 8152 3405

H S B C B a 0 n 8 c 4 k ( 5 p 7 4 l 0 4 0 4 )

HSBC Bank plc HO Collection Account Fee Item s

42-99-69
Please do not w rite below this line or fold this counterfoil

<2081523405< 429969+ 00299693< 73 X

Important information about your Credit Card account

The information set out on this statement includes a summary of some of your Credit Card Agreement Terms. Please refer to those Terms for full details. Interest free period Interest charging information Up to 56 days for Purchases if you pay your whole balance in full and on time. Interest is charged from the date transactions are applied to your account until payment is received (unless the interest free period applies). For Cash Advances and Balance Transfers, any interest charge for the period from the previous statement to the date of full repayment will be debited the following month. Your payment is allocated in the following order: Cash Advances  Purchases and standard rate Balance Transfers  Promotional rate Purchases and Balance Transfers (full details are set out in your Terms and Conditions). For Credit Card agreements made before 23 March 2011 5 or 2.5% of the balance, whichever is higher, or if less than 5, your statement balance. For Credit Card agreements made on or after 23 March 2011 interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or 5 whichever is higher, or if less than 5, your statement balance. No Annual Fee  Cash Advances 2.99% handling fee, minimum 3 (the Cash Advance charge is applicable to cash withdrawals, bill payments, purchases of foreign currency and travellers cheques, but does not apply to Gambling transactions)  Foreign Exchange 2.99% of the amount of non-sterling transactions  Balance Transfers 2.9% of each amount transferred minimum 5 Late Payment 12 Over Credit Limit 12 Returned Payment 5 How your interest is charged Interest is charged on a daily basis from the date each transaction is applied to the account. Interest payments therefore increase the longer the payment is delayed (even before the monthly payment due date). However, we will not charge interest if your statement balance is paid off in full by the payment due date, except for on Cash Transactions (Cash Transaction consist of Gambling, ATM and over counter transactions) and Balance Transfers. Estimated interest The figure shown on the front of your statement is an indication of the interest you will be charged on your next statement, it assumes: You pay only the minimum amount due You pay by the due date You have no more transactions before your next statement Please note the interest charged will differ from the figure shown if a change is made to your statement date or interest rate (except for the expiry of a promotional rate). Dispute resolution If you have a problem with your agreement, please try to resolve it with us in the first instance. If 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 Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman. Security and fraud protection We will never ask you for your Security details in full. If you are asked for this information either verbally, in writing or via email, you should refuse and let us know immediately. If you use your Card online, registering for Verified by Visa or MasterCard SecureCode will make your payments more secure. For more information go to Verified by Visa: hsbc.co.uk/verifiedbyvisa or MasterCard SecureCode: hsbc.co.uk/securecode If your Card or Card details are obtained and used without your consent you will not be liable for any resulting fraudulent transactions. You must take all reasonable steps to safeguard your Card and Card details. Check your statement regularly Unless you tell us about any transactions you do not recognise, we will treat all transactions on the account as yours. If you identify such a transaction, please contact us immediately as time restrictions do apply when making a claim.* Change of Address/Contact Details If any of the address details on your statement are incorrect or we dont have your current phone number please contact us.*

Allocation of payments

Minimum monthly repayment

Fees Charges

Default charges

How to pay
Remember, if payments are made using the wrong card details, sort code or account number, they may be delayed or not applied. Working days are any weekday other than Bank Holidays.

HSBC Bank Current Account holders ONLY

Internet Phone HSBC Bank cash machine Log onto internet banking at www.hsbc.co.uk See contact details at the bottom of page Insert your HSBC Bank Debit Card and select the Pay Credit Card option at any HSBC cash machine in the UK, Channel Islands or Isle of Man. You will receive a receipt confirming your payment.

Interest Calculations and available Credit

In normal circumstances payments made will be credited to an account within 2 hours. All payments are credited the same working day

All Customers
Direct Debit Contact Us* and select to pay the full, fixed or minimum amount due. Your payment will be automatically deducted from your current account by your due date each month. If the minimum payment due is more than your fixed amount, we will claim the minimum payment. If your statement balance is lower than your fixed amount we will only claim the balance on your statement Pay a fixed amount to your HSBC Bank Credit Card using the following information: Sort Code: 40 42 46 Account Number: (choose applicable account number from table below) Reference: your 16-digit Credit Card number Type of Card MasterCard: HSBC Bank and Welsh Visa: HSBC and Welsh Gold Visa HSBC Bank branches Card Number Begins Account Number 543460 454638 494120 29004734 09003649 69005161

Interest Calculations and available Credit

Payments credited the same working day

Standing Order/bill payment

Payments from other banks can take up to three working days to reach us. Customers making a payment from a bank or building society that is participating in the Faster Payments Service will in normal circumstances be able to pay to your Credit Card and have the available credit updated within 2 hours. All payments are credited for interest calculations the same working day.

By cash or cheque: payments to be made using in-branch Express Banking machines. Please make cheques payable to HSBC Bank plc followed by your 16-digit Credit Card number. A charge may apply to payments made at banks other than HSBC Bank. If youve received a payment envelope you can send us a cheque by post. Please make cheques payable to HSBC Bank plc followed by your 16-digit Credit Card number. Do not send cash or post dated cheques. IBAN Number (International Bank Account Number): Europe: GB15MIDL40424699009787 Outside Europe: MIDLGB22 Sort Code: 40 42 46 Account Number: 99009787  Reference: your 16-digit Credit Card number must be quoted

Cash payments credited for interest calculations and available credit updated the same working day and for cheques available credit updated within 4 working days. Please allow at least 7 working days from posting for your account to be credited. Available credit will be updated within 4 working days of receipt. Dependent on international payment processing times in the country of origin. Once received payments will be credited within 3 working days.

Post

Overseas payments

*How to contact us
Lost and Stolen 08456 007 010 or from overseas +44 1442 422 929 lines open 24 hours a day, 7 days a week. Log on at www.hsbc.co.uk. Customer Services 08457 404 404 text phone 18001 08457 125 563 or from overseas +44 1226 261 010 lines open 8am 10pm 7 days a week (Except Christmas Day, Boxing Day and New Years Day). To ensure that we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, we may monitor and/or record your communications with us. If you are finding it difficult to make your minimum payment, please dont hesitate to contact us to discuss.

LIT01314 MCP38544 02/11 HSBC Bank plc 2011