2023-12-25-accounts

Summary Of Donations
Year Donations Made Happyto HelpAcademyno. Students	Charity Total
December 2013 - March 2015 £16,616.98 April 2015 - December 2015 £28,981.00 January 2016 - December 2016 £7,101.77 34 January 2017 - December 2017 £3,831.00 140 January 2018 - December 2018 £8,408.41 119 January 2019 - December 2019 £3,551.86 112 January 2020 - December 2020 £8,885.63 136 January 2021 - December 2021 £4,253.35 85 January 2022 - December 2022 £6,229.50 81 January 2023 - December 2023 £4,657.75 119 January 2024 - October 2024 £2,114.96 85	Great Ormond Street Hospital for Children £17,428.04 Delete Blood Cancer £15,000.00 Help for Heroes £3,735.00 Cancer Research £392.00 UK Punjabi Heritage Association £15,000.00 Unicef £110.00 Little Havens Hospice for Children £700.00 Happy to Help Academy £879.00 Aids Orphan £2,316.81 2017 Projects £3,831.00 SEVA/ Homeless £853.97 Macmillan £121.11 Happyto HelpFoundation £32,150.32
	Overall Total Riased £92,517.25 Total Children Sponsored 911
	Projects Completed Punjab Family Sponsorship £180 - Your Seva Malerkotla Langar - Food Drive £130 - Happy to Help Foundation Homeless Food Drive £240 - SEVA (Ilford) HTH Academy £350 - Happy to Help Foundation Rajasthan Orphanage £21 - Happy to Help Foundation Football Tournament & Nuclear Race £520.58 - Happy to Help Foundation Sagoo Family £1500 - Happy to Help Foundation Ameresco Matched Giving £649.02 - Happy to Help Foundation Direct Debits £325 - Happy to Help Foundation Amazon Smile £54.45 - Happy to Help Foundation World Cup Sweepstake £14 - Happy to Help Foundation Bhangra 4 Us - Workshop £80 - Happy to Help Foundation Christmas 2022 £2165.45 - GOSH TOTAL RAISED £6229.5
Projects Completed 2022 Amount Charity	Projects Completed
Punjab Family Sponsorship £180.00 Your Seva Malerkotla Langar - Food Drive £130.00 Happy to Help Foundation Homeless Food Drive £240.00 SEVA (Ilford) HTH Academy £350.00 Happy to Help Foundation Rajasthan Orphanage £21.00 Happy to Help Foundation Football Tournament & Nuclear Race £520.58 Happy to Help Foundation Sagoo Family £1,500.00 Happy to Help Foundation Ameresco Matched Giving £649.02 Happy to Help Foundation Direct Debits £325.00 Happy to Help Foundation Amazon Smile £54.45 Happy to Help Foundation World Cup Sweepstake £14.00 Happy to Help Foundation Bhangra 4 Us - Workshop £80.00 Happy to Help Foundation Christmas 2022 £2,165.45 GOSH	Punjab Family Sponsorship £180 - Your Seva Malerkotla Langar - Food Drive £130 - Happy to Help Foundation Homeless Food Drive £240 - SEVA (Ilford) HTH Academy £350 - Happy to Help Foundation Rajasthan Orphanage £21 - Happy to Help Foundation Football Tournament & Nuclear Race £520.58 - Happy to Help Foundation Sagoo Family £1500 - Happy to Help Foundation Ameresco Matched Giving £649.02 - Happy to Help Foundation Direct Debits £325 - Happy to Help Foundation Amazon Smile £54.45 - Happy to Help Foundation World Cup Sweepstake £14 - Happy to Help Foundation Bhangra 4 Us - Workshop £80 - Happy to Help Foundation Christmas 2022 £2165.45 - GOSH
TOTAL RAISED £6,229.50	TOTAL RAISED £6229.5

Summary Of Donations

Projects Completed Amount Charity Punjab Family Sponsorship £240.00 Your Seva Homeless Food Drive £240.00 SEVA (Ilford) HTH Academy £339.72 Happy to Help Foundation - Pak HTH Academy £396.34 Happy to Help Foundation - India Rajasthan Orphanage £253.90 Happy to Help Foundation Giffti Orphanage Cows £350.00 Happy to Help Foundation Direct Debits £295.00 Happy to Help Foundation TOTAL RAISED £2,114.96

Projects Completed

Punjab Family Sponsorship £240 - Your Seva Made in April 2024 dates for Nov 24 HTH Academy £339.72 - Happy to Help Foundation - Pak HTH Academy £396.34 - Happy to Help Foundation - India Rajasthan Orphanage £253.9 - Happy to Help Foundation Giffti Orphanage Cows £350 - Happy to Help Foundation Direct Debits £295 - Happy to Help Foundation TOTAL RAISED £2114.96

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	6,560.0 0
Payments In	35.00
Payments Out	5.00
Closing Balance	6,590.00

International Bank Account Number

GB54HBUK40011392306980

9 December 2023 to 8 January 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 87

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid out	Paid in	Balance
A
08 Dec 23		BALANCE BROUGHT FORWARD	.				6,560.00
11 Dec 23	CR	JOHAL & CO LTD				25.00	6,585.00
29 Dec 23	CR	Gopal Sagoo
		Gopal Sagoo				10.00
	DR	TOTAL CHARGES
		TO 07DEC2023			5.00		6,590.00
08 Jan 24		BALANCE CARRIED FORWARD					6,590.00

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Interest

Credit interest is calculated daily on the cleared credit balance on your account and paid monthly.

Debit interest is calculated daily on any outstanding overdrawn balance on your account and is charged monthly in arrears.

Using a Debit Card abroad

When you use a Debit Card abroad, this statement will show where the transaction took place, the amount spent in local currency and converted into GBP.

Exchange Rate: Unless you have agreed a different rate (for example, using one of our self-service machines) the exchange rate that applies to any non-GBP Debit Card payments is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.

Details of the current VISA Payment Scheme Exchange Rate can be obtained from www.visaeurope.com/en/cardholders/exchange_rat es.aspx or by calling us.

Fee for non-GBP transactions: We charge a fee of 2.75% of the amount of the transaction.

Additional fee for non-GBP cash machine withdrawals: If you withdraw cash in a foreign currency, we will charge a fee of 1.5% (minimum £1.75) in addition to the fee for non-GBP transactions.

Lost and stolen cards

If any cards issued by us are lost or stolen please log-in to the HSBC Kinetic App to block the card and report it.

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.

The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Financial Services Commissions in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.

Contacting us

You can contact us through the HSBC Kinetic App.

Accessibility

If you'd like information about our products and services in another format such as large print, Braille or audio, please contact us.

We will make the conversion and deduct any fees from your account once we receive details of the payment from VISA. We will do this at the latest on the next working day.

Some cash machine operators may also deduct a charge for withdrawals from their cash machines. If they do, they will show you the charge on screen.

HSBC UK Bank plc. Registered in England and Wales (company number: 9928412). Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112).

P1578

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	6,590.0 0
Payments In	35.00
Payments Out	5.00
Closing Balance	6,620.00

International Bank Account Number GB54HBUK40011392306980

9 January to 8 February 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 88

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Jan 24		BALANCE BROUGHT FORWARD	.			6,590.00
11 Jan 24	CR	JOHAL & CO LTD			25.00	6,615.00
29 Jan 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00
	DR	TOTAL CHARGES
		TO 07JAN2024		5.00		6,620.00
08 Feb 24		BALANCE CARRIED FORWARD				6,620.00

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Interest

Credit interest is calculated daily on the cleared credit balance on your account and paid monthly.

Debit interest is calculated daily on any outstanding overdrawn balance on your account and is charged monthly in arrears.

Using a Debit Card abroad

When you use a Debit Card abroad, this statement will show where the transaction took place, the amount spent in local currency and converted into GBP.

Exchange Rate: Unless you have agreed a different rate (for example, using one of our self-service machines) the exchange rate that applies to any non-GBP Debit Card payments is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.

Details of the current VISA Payment Scheme Exchange Rate can be obtained from www.visaeurope.com/en/cardholders/exchange_rat es.aspx or by calling us.

Fee for non-GBP transactions: We charge a fee of 2.75% of the amount of the transaction.

Additional fee for non-GBP cash machine withdrawals: If you withdraw cash in a foreign currency, we will charge a fee of 1.5% (minimum £1.75) in addition to the fee for non-GBP transactions.

Lost and stolen cards

If any cards issued by us are lost or stolen please log-in to the HSBC Kinetic App to block the card and report it.

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.

The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Financial Services Commissions in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.

Contacting us

You can contact us through the HSBC Kinetic App.

Accessibility

If you'd like information about our products and services in another format such as large print, Braille or audio, please contact us.

We will make the conversion and deduct any fees from your account once we receive details of the payment from VISA. We will do this at the latest on the next working day.

Some cash machine operators may also deduct a charge for withdrawals from their cash machines. If they do, they will show you the charge on screen.

HSBC UK Bank plc. Registered in England and Wales (company number: 9928412). Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112).

P1578

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	6,620.0 0
Payments In	35.00
Payments Out	11.00
Closing Balance	6,644.00

International Bank Account Number GB54HBUK40011392306980

9 February to 8 March 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 89

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Feb 24		BALANCE BROUGHT FORWARD	.			6,620.00
12 Feb 24	CR	JOHAL & CO LTD			25.00	6,645.00
29 Feb 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00
	DR	TOTAL CHARGES
		TO 07FEB2024		11.00		6,644.00
08 Mar 24		BALANCE CARRIED FORWARD				6,644.00

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Interest

Credit interest is calculated daily on the cleared credit balance on your account and paid monthly.

Debit interest is calculated daily on any outstanding overdrawn balance on your account and is charged monthly in arrears.

Using a Debit Card abroad

When you use a Debit Card abroad, this statement will show where the transaction took place, the amount spent in local currency and converted into GBP.

Exchange Rate: Unless you have agreed a different rate (for example, using one of our self-service machines) the exchange rate that applies to any non-GBP Debit Card payments is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.

Details of the current VISA Payment Scheme Exchange Rate can be obtained from www.visaeurope.com/en/cardholders/exchange_rat es.aspx or by calling us.

Fee for non-GBP transactions: We charge a fee of 2.75% of the amount of the transaction.

Additional fee for non-GBP cash machine withdrawals: If you withdraw cash in a foreign currency, we will charge a fee of 1.5% (minimum £1.75) in addition to the fee for non-GBP transactions.

Lost and stolen cards

If any cards issued by us are lost or stolen please log-in to the HSBC Kinetic App to block the card and report it.

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.

The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Financial Services Commissions in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.

Contacting us

You can contact us through the HSBC Kinetic App.

Accessibility

If you'd like information about our products and services in another format such as large print, Braille or audio, please contact us.

We will make the conversion and deduct any fees from your account once we receive details of the payment from VISA. We will do this at the latest on the next working day.

Some cash machine operators may also deduct a charge for withdrawals from their cash machines. If they do, they will show you the charge on screen.

HSBC UK Bank plc. Registered in England and Wales (company number: 9928412). Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112).

P1578

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	6,644.0 0
Payments In	35.00
Payments Out	11.00
Closing Balance	6,668.00

International Bank Account Number

GB54HBUK40011392306980

9 March to 8 April 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 90

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Mar 24		BALANCE BROUGHT FORWARD	.			6,644.00
11 Mar 24	CR	JOHAL & CO LTD			25.00	6,669.00
29 Mar 24	DR	TOTAL CHARGES
		TO 07MAR2024		11.00		6,658.00
02 Apr 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00	6,668.00
08 Apr 24		BALANCE CARRIED FORWARD				6,668.00

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Interest

Credit interest is calculated daily on the cleared credit balance on your account and paid monthly.

Debit interest is calculated daily on any outstanding overdrawn balance on your account and is charged monthly in arrears.

Using a Debit Card abroad

When you use a Debit Card abroad, this statement will show where the transaction took place, the amount spent in local currency and converted into GBP.

Exchange Rate: Unless you have agreed a different rate (for example, using one of our self-service machines) the exchange rate that applies to any non-GBP Debit Card payments is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.

Details of the current VISA Payment Scheme Exchange Rate can be obtained from www.visaeurope.com/en/cardholders/exchange_rat es.aspx or by calling us.

Fee for non-GBP transactions: We charge a fee of 2.75% of the amount of the transaction.

Additional fee for non-GBP cash machine withdrawals: If you withdraw cash in a foreign currency, we will charge a fee of 1.5% (minimum £1.75) in addition to the fee for non-GBP transactions.

Lost and stolen cards

If any cards issued by us are lost or stolen please log-in to the HSBC Kinetic App to block the card and report it.

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.

The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Financial Services Commissions in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.

Contacting us

You can contact us through the HSBC Kinetic App.

Accessibility

If you'd like information about our products and services in another format such as large print, Braille or audio, please contact us.

We will make the conversion and deduct any fees from your account once we receive details of the payment from VISA. We will do this at the latest on the next working day.

Some cash machine operators may also deduct a charge for withdrawals from their cash machines. If they do, they will show you the charge on screen.

HSBC UK Bank plc. Registered in England and Wales (company number: 9928412). Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112).

P1578

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	6,668.0 0
Payments In	35.00
Payments Out	251.00
Closing Balance	6,452.00

International Bank Account Number

GB54HBUK40011392306980

9 April to 8 May 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 91

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Apr 24		BALANCE BROUGHT FORWARD	.			6,668.00
11 Apr 24	CR	JOHAL & CO LTD			25.00	6,693.00
24 Apr 24	BP	Your Seva
		Happy To Help 2024		240.00		6,453.00
29 Apr 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00
	DR	TOTAL CHARGES
		TO 07APR2024		11.00		6,452.00
08 May 24		BALANCE CARRIED FORWARD				6,452.00

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Interest

Credit interest is calculated daily on the cleared credit balance on your account and paid monthly.

Debit interest is calculated daily on any outstanding overdrawn balance on your account and is charged monthly in arrears.

Using a Debit Card abroad

When you use a Debit Card abroad, this statement will show where the transaction took place, the amount spent in local currency and converted into GBP.

Exchange Rate: Unless you have agreed a different rate (for example, using one of our self-service machines) the exchange rate that applies to any non-GBP Debit Card payments is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.

Details of the current VISA Payment Scheme Exchange Rate can be obtained from www.visaeurope.com/en/cardholders/exchange_rat es.aspx or by calling us.

Fee for non-GBP transactions: We charge a fee of 2.75% of the amount of the transaction.

Additional fee for non-GBP cash machine withdrawals: If you withdraw cash in a foreign currency, we will charge a fee of 1.5% (minimum £1.75) in addition to the fee for non-GBP transactions.

Lost and stolen cards

If any cards issued by us are lost or stolen please log-in to the HSBC Kinetic App to block the card and report it.

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.

The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Financial Services Commissions in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.

Contacting us

You can contact us through the HSBC Kinetic App.

Accessibility

If you'd like information about our products and services in another format such as large print, Braille or audio, please contact us.

We will make the conversion and deduct any fees from your account once we receive details of the payment from VISA. We will do this at the latest on the next working day.

Some cash machine operators may also deduct a charge for withdrawals from their cash machines. If they do, they will show you the charge on screen.

HSBC UK Bank plc. Registered in England and Wales (company number: 9928412). Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112).

P1578

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	6,452.0 0
Payments In	35.00
Payments Out	350.72
Closing Balance	6,136.28

International Bank Account Number

GB54HBUK40011392306980

9 May to 8 June 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 92

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 May 24		BALANCE BROUGHT FORWARD	.			6,452.00
13 May 24	CR	JOHAL & CO LTD			25.00	6,477.00
29 May 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00
	DR	TOTAL CHARGES
		TO 07MAY2024		11.00		6,476.00
02 Jun 24	BP	Home
		HTH Acad 2024		339.72		6,136.28
08 Jun 24		BALANCE CARRIED FORWARD				6,136.28

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Interest

Credit interest is calculated daily on the cleared credit balance on your account and paid monthly.

Debit interest is calculated daily on any outstanding overdrawn balance on your account and is charged monthly in arrears.

Using a Debit Card abroad

When you use a Debit Card abroad, this statement will show where the transaction took place, the amount spent in local currency and converted into GBP.

Exchange Rate: Unless you have agreed a different rate (for example, using one of our self-service machines) the exchange rate that applies to any non-GBP Debit Card payments is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.

Details of the current VISA Payment Scheme Exchange Rate can be obtained from www.visaeurope.com/en/cardholders/exchange_rat es.aspx or by calling us.

Fee for non-GBP transactions: We charge a fee of 2.75% of the amount of the transaction.

Additional fee for non-GBP cash machine withdrawals: If you withdraw cash in a foreign currency, we will charge a fee of 1.5% (minimum £1.75) in addition to the fee for non-GBP transactions.

Lost and stolen cards

If any cards issued by us are lost or stolen please log-in to the HSBC Kinetic App to block the card and report it.

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.

The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Financial Services Commissions in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.

Contacting us

You can contact us through the HSBC Kinetic App.

Accessibility

If you'd like information about our products and services in another format such as large print, Braille or audio, please contact us.

We will make the conversion and deduct any fees from your account once we receive details of the payment from VISA. We will do this at the latest on the next working day.

Some cash machine operators may also deduct a charge for withdrawals from their cash machines. If they do, they will show you the charge on screen.

HSBC UK Bank plc. Registered in England and Wales (company number: 9928412). Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112).

P1578

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	6,136.28
Payments In	169.50
Payments Out	655.24
Closing Balance	5,650.54

International Bank Account Number GB54HBUK40011392306980

9 June to 8 July 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 93

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Jun 24		BALANCE BROUGHT FORWARD	.			6,136.28
11 Jun 24	CR	JOHAL & CO LTD			25.00	6,161.28
29 Jun 24	DR	TOTAL CHARGES
		TO 07JUN2024		5.00		6,156.28
30 Jun 24	BP	Home
		HTH Taabar 2024		253.90
	BP	Home
		HTH Acad P 2024		396.34		5,506.04
01 Jul 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00
	CR	JUSTGIVING
		3916004 HBUKGB4105			134.50	5,650.54
08 Jul 24		BALANCE CARRIED FORWARD				5,650.54

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Interest

Credit interest is calculated daily on the cleared credit balance on your account and paid monthly.

Debit interest is calculated daily on any outstanding overdrawn balance on your account and is charged monthly in arrears.

Using a Debit Card abroad

When you use a Debit Card abroad, this statement will show where the transaction took place, the amount spent in local currency and converted into GBP.

Exchange Rate: Unless you have agreed a different rate (for example, using one of our self-service machines) the exchange rate that applies to any non-GBP Debit Card payments is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made.

Details of the current VISA Payment Scheme Exchange Rate can be obtained from www.visaeurope.com/en/cardholders/exchange_rat es.aspx or by calling us.

Fee for non-GBP transactions: We charge a fee of 2.75% of the amount of the transaction.

Additional fee for non-GBP cash machine withdrawals: If you withdraw cash in a foreign currency, we will charge a fee of 1.5% (minimum £1.75) in addition to the fee for non-GBP transactions.

Lost and stolen cards

If any cards issued by us are lost or stolen please log-in to the HSBC Kinetic App to block the card and report it.

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.

The Financial Ombudsman Service does not apply to customers of our branches in the Channel Islands and Isle of Man, but you could be entitled to refer your complaint to the Financial Services Commissions in Jersey or Guernsey or the Financial Services Ombudsman Scheme in the Isle of Man. Please contact your branch for further details.

Contacting us

You can contact us through the HSBC Kinetic App.

Accessibility

If you'd like information about our products and services in another format such as large print, Braille or audio, please contact us.

We will make the conversion and deduct any fees from your account once we receive details of the payment from VISA. We will do this at the latest on the next working day.

Some cash machine operators may also deduct a charge for withdrawals from their cash machines. If they do, they will show you the charge on screen.

HSBC UK Bank plc. Registered in England and Wales (company number: 9928412). Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112).

P1578

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	5,650.54
Payments In	53.99
Payments Out	5.00
Closing Balance	5,699.53

International Bank Account Number GB54HBUK40011392306980

9 July to 8 August 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 94

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Jul 24		BALANCE BROUGHT FORWARD	.			5,650.54
11 Jul 24	CR	JOHAL & CO LTD			25.00	5,675.54
16 Jul 24	CR	JUSTGIVING
		3941333 HBUKGB4105			18.99	5,694.53
29 Jul 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00
	DR	TOTAL CHARGES
		TO 07JUL2024		5.00		5,699.53
08 Aug 24		BALANCE CARRIED FORWARD				5,699.53

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Business Banking Customers

Interest and Charges

Your Business Banking Terms & Conditions cover how and when we apply interest and charges.

Details of our charges are available in our Business Price List or your individual price list if we’ve agreed one with you. Details of the debit interest we charge and credit interest we pay are available from our website – see Additional Information below. None of our business current accounts pays interest when in credit unless we individually agree a rate with you.

Overdrafts

Arranged overdraft:

This is where we agree in advance to provide an overdraft limit on your account before you make any transactions that take your account overdrawn, or over your existing arranged overdraft limit. Interest rates are individually agreed and will apply until otherwise agreed or the overdraft is cancelled. Rates are linked to the Bank of England base rate but if the base rate falls below zero, we’ll treat it as zero.

For details of our fees and charges, please refer to your Business Overdraft agreement.

Unarranged overdraft:

This is where you make a payment or we take an amount from your account and you don’t have enough money in the account to cover it or it exceeds your existing arranged overdraft limit. When you don’t have an arranged overdraft limit, we’ll charge our Business Standard Debit Interest Rate on any debit balances. When you have an existing arranged overdraft and go over its limit, we’ll charge interest at the rate we’ve agreed with up to your arranged overdraft limit and will charge our Business Standard Debit Interest Rate on any balance over your arranged overdraft limit.

For information on our debit interest rates, see Additional Information below.

Your debit card

For debit card charges, please refer to the Business Price List. This details the standard charges for our business accounts, but doesn’t apply if we’ve agreed different prices with you. For information about how foreign currency transactions are converted to sterling, please refer to the Business Banking Terms & Conditions.

Additional Information

A copy of our Business Price List and the Business Banking Terms & Conditions can be found on our website at business.hsbc.uk/legal. Information on our savings accounts interest rates and Business Standard Debit Interest Rate can be found on our website at business.hsbc.uk/interest-rates.

This information is also available in our branches or by calling us on 03457 60 60 60 ([phone] if you’re calling from outside the UK). Lines are normally open Monday to Friday, 8:00am to 8:00pm and Saturday, 8:00am to 2:00pm (subject to change over certain periods). If you need a Text Relay service, you can download the ‘Relay UK’ app and call our number from within it.

Personal Banking Customers

Interest

Credit Interest is calculated daily on the cleared credit balance and is paid monthly if applicable.

Overdraft interest is charged on the cleared debit balance of your account, it accrues during your charging cycle (usually monthly) and is deducted from your account following the end of your charging cycle. Before we deduct debit interest, we will give you at least 14 days’ notice of the amount to be deducted.

Overdrafts

Arranged overdraft:

Where we agree an overdraft limit in advance which lets you go overdrawn to spend up to that limit.

Unarranged overdraft:

When you make a payment that takes your account overdrawn if you don’t have an arranged overdraft or takes your account over your arranged overdraft limit.

Monthly cap on unarranged overdraft charges

1. Each current account will set a monthly maximum charge for:

2. (a) going overdrawn when you have not arranged an overdraft; or

3. (b) going over/past your arranged overdraft limit (if you have one).

4. This cap covers any:

5. (a) interest and fees for going over/past your arranged overdraft limit;

6. (b) fees for each payment your bank allows despite lack of funds; and

7. (c) fees for each payment your bank refuses due to lack of funds.

The monthly cap on unarranged overdraft charges for the HSBC Private Banking Account, HSBC Premier with retained Jade Benefits Bank Account, HSBC Premier Bank Account, HSBC Advance Bank Account, HSBC Bank Account and HSBC Graduate Bank Account is £20.

The monthly cap on unarranged overdraft charges is not applicable to Basic Bank Account, Student Bank Account and MyAccount as these accounts do not incur unarranged overdraft charges.

Your debit card

For debit card charges and how foreign currency transactions are converted to sterling please refer to the Personal Banking Terms and Conditions and Charges.

Customer service

You can chat with us 24/7 via Online Banking and the HSBC UK Mobile Banking App. Telephone Banking lines are open 8:00am to 8:00pm 365 days a year. Our 24-hour automated Telephone Banking, Online Banking and Mobile Banking are subject to maintenance periods. Calls may be monitored or recorded for quality purposes.

Details of the interest rates we pay and charges are also separately available through these channels.

To help us continuously improve our service and in the interests of security, we may monitor and/or record your conversation with us.

Business and Personal Banking Customers

Lost and Stolen Cards

If any of your cards are lost or stolen and you’re a business account customer, please call 0800 032 7075. If you’re a personal account customer, please call 0800 085 2401 or call 0800 085 2403 if you’re a Private Banking client or Premier customer. If you’re calling from outside the UK, please call us on [phone]. Lines are open 24 hours.

Dispute Resolution

If you have a problem with your agreement, please try to resolve it with us in the first instance. If you’re 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 don’t take up your problem with us first, you won’t be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.

Accessibility

Do you need this information in a different format?

Our online banking services can be used with your own personal assistive technology. You can access your information and contact us via live chat in a way that suits you. Find out more about our online banking at: hsbc.co.uk/ways-to-bank/online-banking.

We can send this information in large print, braille, or audio. You can speak to us by visiting one of our branches, or by giving us a call. We also work with third parties such as SignVideo who provide services such as Text Relay and British Sign Language (BSL) Video Relay. Please visit hsbc.co.uk/accessibility to find out more. Business Banking customers can visit business.hsbc.uk/accessibility or business.hsbc.uk/contact-us. Personal Banking customers can visit hsbc.co.uk/accessibility or hsbc.co.uk/contact.

HSBC UK Bank plc, registered in England and Wales number 09928412. Registered office: 1 Centenary Square, Birmingham B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference number 765112. RFB2616 CMT0644 ©HSBC Group 2024. All Rights Reserved.

S1TC1708

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary
Opening Balance	5,699 .53
Payments In	35.00
Payments Out	355.00
Closing Balance	5,379.53

International Bank Account Number

GB54HBUK40011392306980

9 August to 8 September 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 95

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Aug 24		BALANCE BROUGHT FORWARD	.			5,699.53
12 Aug 24	CR	JOHAL & CO LTD			25.00	5,724.53
20 Aug 24	BP	Sant Isher Singh
		Giffti Kenya HTH		350.00		5,374.53
29 Aug 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00
	DR	TOTAL CHARGES
		TO 07AUG2024		5.00		5,379.53
08 Sep 24		BALANCE CARRIED FORWARD				5,379.53

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Business Banking Customers

Interest and Charges

Your Business Banking Terms & Conditions cover how and when we apply interest and charges.

Details of our charges are available in our Business Price List or your individual price list if we’ve agreed one with you. Details of the debit interest we charge and credit interest we pay are available from our website – see Additional Information below. None of our business current accounts pays interest when in credit unless we individually agree a rate with you.

Overdrafts

Arranged overdraft:

This is where we agree in advance to provide an overdraft limit on your account before you make any transactions that take your account overdrawn, or over your existing arranged overdraft limit. Interest rates are individually agreed and will apply until otherwise agreed or the overdraft is cancelled. Rates are linked to the Bank of England base rate but if the base rate falls below zero, we’ll treat it as zero.

For details of our fees and charges, please refer to your Business Overdraft agreement.

Unarranged overdraft:

This is where you make a payment or we take an amount from your account and you don’t have enough money in the account to cover it or it exceeds your existing arranged overdraft limit. When you don’t have an arranged overdraft limit, we’ll charge our Business Standard Debit Interest Rate on any debit balances. When you have an existing arranged overdraft and go over its limit, we’ll charge interest at the rate we’ve agreed with up to your arranged overdraft limit and will charge our Business Standard Debit Interest Rate on any balance over your arranged overdraft limit.

For information on our debit interest rates, see Additional Information below.

Your debit card

For debit card charges, please refer to the Business Price List. This details the standard charges for our business accounts, but doesn’t apply if we’ve agreed different prices with you. For information about how foreign currency transactions are converted to sterling, please refer to the Business Banking Terms & Conditions.

Additional Information

A copy of our Business Price List and the Business Banking Terms & Conditions can be found on our website at business.hsbc.uk/legal. Information on our savings accounts interest rates and Business Standard Debit Interest Rate can be found on our website at business.hsbc.uk/interest-rates.

This information is also available in our branches or by calling us on 03457 60 60 60 ([phone] if you’re calling from outside the UK). Lines are normally open Monday to Friday, 8:00am to 8:00pm and Saturday, 8:00am to 2:00pm (subject to change over certain periods). If you need a Text Relay service, you can download the ‘Relay UK’ app and call our number from within it.

Personal Banking Customers

Interest

Credit Interest is calculated daily on the cleared credit balance and is paid monthly if applicable.

Overdraft interest is charged on the cleared debit balance of your account, it accrues during your charging cycle (usually monthly) and is deducted from your account following the end of your charging cycle. Before we deduct debit interest, we will give you at least 14 days’ notice of the amount to be deducted.

Overdrafts

Arranged overdraft:

Where we agree an overdraft limit in advance which lets you go overdrawn to spend up to that limit.

Unarranged overdraft:

When you make a payment that takes your account overdrawn if you don’t have an arranged overdraft or takes your account over your arranged overdraft limit.

Monthly cap on unarranged overdraft charges

1. Each current account will set a monthly maximum charge for:

2. (a) going overdrawn when you have not arranged an overdraft; or

3. (b) going over/past your arranged overdraft limit (if you have one).

4. This cap covers any:

5. (a) interest and fees for going over/past your arranged overdraft limit;

6. (b) fees for each payment your bank allows despite lack of funds; and

7. (c) fees for each payment your bank refuses due to lack of funds.

The monthly cap on unarranged overdraft charges for the HSBC Private Banking Account, HSBC Premier with retained Jade Benefits Bank Account, HSBC Premier Bank Account, HSBC Advance Bank Account, HSBC Bank Account and HSBC Graduate Bank Account is £20.

The monthly cap on unarranged overdraft charges is not applicable to Basic Bank Account, Student Bank Account and MyAccount as these accounts do not incur unarranged overdraft charges.

Your debit card

For debit card charges and how foreign currency transactions are converted to sterling please refer to the Personal Banking Terms and Conditions and Charges.

Customer service

You can chat with us 24/7 via Online Banking and the HSBC UK Mobile Banking App. Telephone Banking lines are open 8:00am to 8:00pm 365 days a year. Our 24-hour automated Telephone Banking, Online Banking and Mobile Banking are subject to maintenance periods. Calls may be monitored or recorded for quality purposes.

Details of the interest rates we pay and charges are also separately available through these channels.

To help us continuously improve our service and in the interests of security, we may monitor and/or record your conversation with us.

Business and Personal Banking Customers

Lost and Stolen Cards

If any of your cards are lost or stolen and you’re a business account customer, please call 0800 032 7075. If you’re a personal account customer, please call 0800 085 2401 or call 0800 085 2403 if you’re a Private Banking client or Premier customer. If you’re calling from outside the UK, please call us on [phone]. Lines are open 24 hours.

Dispute Resolution

If you have a problem with your agreement, please try to resolve it with us in the first instance. If you’re 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 don’t take up your problem with us first, you won’t be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.

Accessibility

Do you need this information in a different format?

Our online banking services can be used with your own personal assistive technology. You can access your information and contact us via live chat in a way that suits you. Find out more about our online banking at: hsbc.co.uk/ways-to-bank/online-banking.

We can send this information in large print, braille, or audio. You can speak to us by visiting one of our branches, or by giving us a call. We also work with third parties such as SignVideo who provide services such as Text Relay and British Sign Language (BSL) Video Relay. Please visit hsbc.co.uk/accessibility to find out more. Business Banking customers can visit business.hsbc.uk/accessibility or business.hsbc.uk/contact-us. Personal Banking customers can visit hsbc.co.uk/accessibility or hsbc.co.uk/contact.

HSBC UK Bank plc, registered in England and Wales number 09928412. Registered office: 1 Centenary Square, Birmingham B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference number 765112. RFB2616 CMT0644 ©HSBC Group 2024. All Rights Reserved.

S1TC1708

Contact tel [phone] see reverse for call times Text phone [phone] used by deaf or speech impaired customers www.hsbc.co.uk

Your Statement

Mr Gurpal Singh Hunjan 3 Severn Avenue Romford RM2 6EA

Account Summary

Account Summary
Opening Balance	5,379 .53
Payments In	35.00
Payments Out	5.00
Closing Balance	5,409.53

International Bank Account Number

GB54HBUK40011392306980

9 September to 8 October 2024

Branch Identifier Code HBUKGB4105K

Account Name

HAPPY TO HELP

Sortcode Account Number Sheet Number 40-01-13 92306980 96

Your Charitable Bank Account details

Date	Paym	ent type and details		Paid out	Paid in	Balance
A
08 Sep 24		BALANCE BROUGHT FORWARD	.			5,379.53
11 Sep 24	CR	JOHAL & CO LTD			25.00	5,404.53
29 Sep 24	DR	TOTAL CHARGES
		TO 07SEP2024		5.00		5,399.53
30 Sep 24	CR	Gopal Sagoo
		Gopal Sagoo			10.00	5,409.53
08 Oct 24		BALANCE CARRIED FORWARD				5,409.53

Information about the Financial Services Compensation Scheme

Most deposits made by HSBC Business customers are 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 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 (hsbc.co.uk/fscs/).

AER balance variable Credit Interest Rates	EAR balance variable Debit Interest Rates
Credit interest is not applied	Debit interest 21.34%

The Peak, 333 Vauxhall Bridge Road Victoria London SW1V 1EJ

Business Banking Customers

Interest and Charges

Your Business Banking Terms & Conditions cover how and when we apply interest and charges.

Details of our charges are available in our Business Price List or your individual price list if we’ve agreed one with you. Details of the debit interest we charge and credit interest we pay are available from our website – see Additional Information below. None of our business current accounts pays interest when in credit unless we individually agree a rate with you.

Overdrafts

Arranged overdraft:

This is where we agree in advance to provide an overdraft limit on your account before you make any transactions that take your account overdrawn, or over your existing arranged overdraft limit. Interest rates are individually agreed and will apply until otherwise agreed or the overdraft is cancelled. Rates are linked to the Bank of England base rate but if the base rate falls below zero, we’ll treat it as zero.

For details of our fees and charges, please refer to your Business Overdraft agreement.

Unarranged overdraft:

This is where you make a payment or we take an amount from your account and you don’t have enough money in the account to cover it or it exceeds your existing arranged overdraft limit. When you don’t have an arranged overdraft limit, we’ll charge our Business Standard Debit Interest Rate on any debit balances. When you have an existing arranged overdraft and go over its limit, we’ll charge interest at the rate we’ve agreed with up to your arranged overdraft limit and will charge our Business Standard Debit Interest Rate on any balance over your arranged overdraft limit.

For information on our debit interest rates, see Additional Information below.

Your debit card

For debit card charges, please refer to the Business Price List. This details the standard charges for our business accounts, but doesn’t apply if we’ve agreed different prices with you. For information about how foreign currency transactions are converted to sterling, please refer to the Business Banking Terms & Conditions.

Additional Information

A copy of our Business Price List and the Business Banking Terms & Conditions can be found on our website at business.hsbc.uk/legal. Information on our savings accounts interest rates and Business Standard Debit Interest Rate can be found on our website at business.hsbc.uk/interest-rates.

This information is also available in our branches or by calling us on 03457 60 60 60 ([phone] if you’re calling from outside the UK). Lines are normally open Monday to Friday, 8:00am to 8:00pm and Saturday, 8:00am to 2:00pm (subject to change over certain periods). If you need a Text Relay service, you can download the ‘Relay UK’ app and call our number from within it.

Personal Banking Customers

Interest

Credit Interest is calculated daily on the cleared credit balance and is paid monthly if applicable.

Overdraft interest is charged on the cleared debit balance of your account, it accrues during your charging cycle (usually monthly) and is deducted from your account following the end of your charging cycle. Before we deduct debit interest, we will give you at least 14 days’ notice of the amount to be deducted.

Overdrafts

Arranged overdraft:

Where we agree an overdraft limit in advance which lets you go overdrawn to spend up to that limit.

Unarranged overdraft:

When you make a payment that takes your account overdrawn if you don’t have an arranged overdraft or takes your account over your arranged overdraft limit.

Monthly cap on unarranged overdraft charges

1. Each current account will set a monthly maximum charge for:

2. (a) going overdrawn when you have not arranged an overdraft; or

3. (b) going over/past your arranged overdraft limit (if you have one).

4. This cap covers any:

5. (a) interest and fees for going over/past your arranged overdraft limit;

6. (b) fees for each payment your bank allows despite lack of funds; and

7. (c) fees for each payment your bank refuses due to lack of funds.

The monthly cap on unarranged overdraft charges for the HSBC Private Banking Account, HSBC Premier with retained Jade Benefits Bank Account, HSBC Premier Bank Account, HSBC Advance Bank Account, HSBC Bank Account and HSBC Graduate Bank Account is £20.

The monthly cap on unarranged overdraft charges is not applicable to Basic Bank Account, Student Bank Account and MyAccount as these accounts do not incur unarranged overdraft charges.

Your debit card

For debit card charges and how foreign currency transactions are converted to sterling please refer to the Personal Banking Terms and Conditions and Charges.

Customer service

You can chat with us 24/7 via Online Banking and the HSBC UK Mobile Banking App. Telephone Banking lines are open 8:00am to 8:00pm 365 days a year. Our 24-hour automated Telephone Banking, Online Banking and Mobile Banking are subject to maintenance periods. Calls may be monitored or recorded for quality purposes.

Details of the interest rates we pay and charges are also separately available through these channels.

To help us continuously improve our service and in the interests of security, we may monitor and/or record your conversation with us.

Business and Personal Banking Customers

Lost and Stolen Cards

If any of your cards are lost or stolen and you’re a business account customer, please call 0800 032 7075. If you’re a personal account customer, please call 0800 085 2401 or call 0800 085 2403 if you’re a Private Banking client or Premier customer. If you’re calling from outside the UK, please call us on [phone]. Lines are open 24 hours.

Dispute Resolution

If you have a problem with your agreement, please try to resolve it with us in the first instance. If you’re 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 don’t take up your problem with us first, you won’t be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.

Accessibility

Do you need this information in a different format?

Our online banking services can be used with your own personal assistive technology. You can access your information and contact us via live chat in a way that suits you. Find out more about our online banking at: hsbc.co.uk/ways-to-bank/online-banking.

We can send this information in large print, braille, or audio. You can speak to us by visiting one of our branches, or by giving us a call. We also work with third parties such as SignVideo who provide services such as Text Relay and British Sign Language (BSL) Video Relay. Please visit hsbc.co.uk/accessibility to find out more. Business Banking customers can visit business.hsbc.uk/accessibility or business.hsbc.uk/contact-us. Personal Banking customers can visit hsbc.co.uk/accessibility or hsbc.co.uk/contact.

HSBC UK Bank plc, registered in England and Wales number 09928412. Registered office: 1 Centenary Square, Birmingham B1 1HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference number 765112. RFB2616 CMT0644 ©HSBC Group 2024. All Rights Reserved.

S1TC1708