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Reply-To: "HSBC UK Bank plc" <hsbc@email.business.hsbc.co.uk>
From: "HSBC UK Bank plc" <hsbc@email.business.hsbc.co.uk>
To: <bob@sarahharvey.com>
Subject: =?utf-8?Q?Important_=E2=80=93_interest_rate_reduct?=
=?utf-8?Q?ions?=
Date: Thu, 21 Aug 2025 11:01:41 +0100
Message-ID: <NM603735FE1018A42A0hsbcbusiness@email.business.hsbc.co.uk>
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<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,1>
͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏
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View
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f99ce&e=cDE9dDJPZkhldVdCS1g2MTU2RldITDRJQSUzRCUzRA&s=PXdfa_eekaGoLwq9J2OBUFMyMwmZLxOGe24m089tt7s>
online if you can't see this email.
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f99cf>
Reference: 1076534570
We're reducing our savings account interest rates
Dear Customer
Due to the reduction in the Bank of England base rate on 7 August 2025,
we're reducing the credit interest rates applicable to our Business Money
Manager as set out in the Appendix.
When's this happening?
This reduction will take effect from 21 October 2025 and will be reflected
in the credit interest paid at the end of your interest period ending on or
after that date.
Please note, any future credit interest rate changes will be in line with
the contractual agreement you have with us, as set out in the Business
Banking Terms & Conditions and any applicable Additional Conditions for your
account, which can be found at
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f99d3>
business.hsbc.uk/legal.
What you need to do
If you accept these reductions in credit interest rates, you don't need to
take any action.
However, if you don't accept the changes, you should tell us before they
come into effect so we can discuss what other options are available within
HSBC that may suit you better. If you decide to move your accounts to
another provider, you'll be able to close this account without charge.
If we don't hear from you before 21 October 2025, we'll take that to mean
you've accepted these changes.
We're here to help
If you have any questions, please speak with your usual contact.
Alternatively, there are other ways you can get in touch:
•
Our Chat Assistant is available in our HSBC UK Business Banking app and
online to answer common banking queries. If it doesn’t help, you can connect
to an agent during opening hours.
–
If you're using the app, go to Chat with us in the 'Support' menu.
–
If you're using a desktop or browser, go to
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a2f>
business.hsbc.uk and click Need help? or the Chat with us tab.
•
Call us on <tel:03457606060> 03457 60 60 60¹.
For other accessible ways to contact us, visit
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a30>
business.hsbc.uk/accessibility.
Thank you
Your Commercial Banking Team
¹
We're open Monday to Friday, 8:00am to 8:00pm and Saturday,
8:00am to 2:00pm (subject to change over certain periods). Our
up-to-date opening hours can be found at
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f99d1>
business.hsbc.uk/contact-us. If you're calling from outside the UK, please
dial <tel:+441226260878> +44 1226 260 878. To help us improve our service,
and in the interest of security, we may monitor and record your
conversation. If you need a Text Relay service, you can download the 'Relay
UK' app and call our number from within it.
Appendix – interest rate changes
Product GBP amount Rates (%) effective
until 20 October 2025 Rates (%) effective
from 21 October 2025Gross
AER2 Gross AER2Business
Money Manager
(Monthly Interest) Instant Access Up to £100,000 1.44 1.45 1.32 1.33£100,000+
1.47 1.48 1.35 1.36£250,000+
1.49 1.50 1.37 1.38£1m+
1.54 1.55 1.42 1.4330+
day rate Up to £100,000 1.48 1.49 1.36 1.37£100,000+
1.51 1.52 1.39 1.40£250,000+
1.54 1.55 1.42 1.43£1m+
1.58 1.59 1.46 1.4760+
day rate Up to £100,000 1.52 1.53 1.40 1.41£100,000+
1.56 1.57 1.44 1.45£250,000+
1.59 1.60 1.47 1.48£1m+
1.64 1.65 1.52 1.53Product GBP amount Rates (%) effective
until 20 October 2025 Rates (%) effective
from 21 October 2025Gross
AER2 Gross AER2Business
Money Manager
(Quarterly Interest) Instant Access Up to £100,000 1.44 1.45 1.32 1.33£100,000+
1.47 1.48 1.35 1.36£250,000+
1.49 1.50 1.37 1.38£1m+
1.54 1.55 1.42 1.4330+
day rate Up to £100,000 1.48 1.49 1.36 1.37£100,000+
1.51 1.52 1.39 1.40£250,000+
1.54 1.55 1.42 1.43£1m+
1.58 1.59 1.46 1.4760+
day rate Up to £100,000 1.52 1.53 1.40 1.41£100,000+
1.56 1.57 1.44 1.45£250,000+
1.59 1.60 1.47 1.48£1m+
1.64 1.65 1.52 1.53²
AER (Annual Equivalent Rate): This is a notional rate which illustrates what
the gross rate would be if interest were paid and compounded each year.
<https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/img-1.jpg>
Learn more about fraud
For more information on how to protect you and your business, speak with
your usual HSBC contact or visit
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f99d0>
business.hsbc.uk/fraud-centre.
<https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/lock.png>
Your security is our priority
In our emails, we'll never ask you for confidential information or to
confirm your security details. Links within our emails will only take you to
information pages.
Please forward any suspicious emails to <mailto:phishing@hsbc.com>
phishing@hsbc.com
<mailto:phishing@hsbc.com>
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f99d2> Website
terms <http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a2e>
Legal <http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a31>
Contact us<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a32>
Find a branch<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a33>
Fraud CentreHSBC 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).
Privacy notice
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a34>
We maintain strict security standards and procedures to prevent unauthorised
access to information about you. HSBC will never contact you by email or
otherwise to ask you to validate personal information such as your user ID,
password or account numbers. If you get such a request, please call our
online security team on 03456 <tel:03456022014> 022 014.
To make sure we're communicating effectively, we may monitor your interest
in our emails. We may be able to tell when you've opened them, and how
you've interacted with them. This includes information about how long you
spend reading our emails and which links you select. We may also collect
technical information about your device and internet connection, and set
cookies. We use trusted service providers to help us. For more details, read
our <http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a35>
Privacy Notice and our
<http://email.business.hsbc.co.uk/r/?id=h3735fe1,18a42a0,10f9a36> Cookie
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system and notify the sender immediately by return email. Internet
communications can't be guaranteed to be timely, secure, error or virus
free. We don't accept liability for any errors or omissions. Please don't
reply to this email. To get in touch,
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<td style=3D"background-color:transparent;line-height:0;padding:28px =
30px 12px 24px;text-align:left;"><table border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left"><!--[if mso]><table width=3D"100%" =
style=3D"width:140px; height:auto; max-width:140px" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0"><tr><td style=3D"padding-right: 0px; =
padding-left: 0px;" align=3D"left"><a target=3D"_blank" =
href=3D"https://www.business.hsbc.uk/en-gb" data-targettype=3D"webpage" =
title=3D"HSBC UK">
<img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202212_project_monza/logo-1.jpg"=
alt=3D"HSBC UK" height=3D"34" width=3D"140"style=3D"border: 0px; =
display: block; width:140px; height:auto; =
max-width:140px;"/></a></td></tr></table><![endif]-->=20
<!--[if !mso]>
<!--><a target=3D"_blank" =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f99cf=
" data-targettype=3D"webpage" title=3D"HSBC UK"><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202212_project_monza/logo-1.jpg"=
alt=3D"HSBC UK" height=3D"34" width=3D"140" style=3D"width:140px; =
height:auto; max-width:140px; border: 0px; display: block;"></a>
<!-- <![endif]--></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td align=3D"center"><table align=3D"center" style=3D"border-collapse: =
collapse; border: 0; mso-table-lspace: 0; mso-table-rspace: 0; =
border-spacing: 0; margin: 0; width: 94%; padding: 0;" width=3D"94%" =
class=3D"w88">
<tbody>
<tr>
<td align=3D"right">
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 10px 0px">Reference: =
1076534570</p>
</td> =20
</tr>
<tr>
<td><p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
24px; line-height: 28px; margin: 16px 0px 20px 0px">
We're reducing our savings account interest rates</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 10px 0px">Dear Customer</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 14px 0px">Due to the reduction =
in the Bank of England base rate on 7 August 2025, we're =
reducing the credit interest rates applicable to our Business Money =
Manager as set out in the <strong>Appendix</strong>.</p>
=20
=20
</td>
</tr>
<tr>
<td align=3D"left"><p style=3D"font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: exactly; =
font-size: 16px; line-height: 20px; margin: 0px 0px 14px 0px; =
font-weight: bold">When's this happening?</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px; ">This reduction will =
take effect from <strong>21 October 2025</strong> and will be =
reflected in the credit interest paid at the end of your interest period =
ending on or after that date.</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 16px 0px; ">Please note, any =
future credit interest rate changes will be in line with the contractual =
agreement you have with us, as set out in the Business Banking Terms =
& Conditions and any applicable Additional Conditions for your =
account, which can be found at <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f99d3=
" target=3D"_blank" style=3D"color: #333333; text-decoration: =
underline;" title=3D"business.hsbc.uk/legal"><strong><span =
style=3D"font-weight: normal;color: #333333; =
">business.hsbc.uk/legal</span></strong></a>.</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top"><p style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 16px; line-height: 20px; =
margin: 0px 0px 14px 0px; "><strong>What you need to do</strong></p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 10px 0px; ">If you accept these =
reductions in credit interest rates, you don't need to take any =
action.</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 10px 0px; ">However, if you =
don't accept the changes, you should tell us before they come into =
effect so we can discuss what other options are available within HSBC =
that may suit you better. If you decide to move your accounts to another =
provider, you'll be able to close this account without charge.</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 14px 0px; ">If we don't hear =
from you before <strong>21 October 2025</strong>, we'll take =
that to mean you've accepted these changes.</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top"><p style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 16px; line-height: 20px; =
margin: 0px 0px 14px 0px; "><strong>We're here to help</strong></p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 10px 0px; ">If you have any =
questions, please speak with your usual contact. Alternatively, there =
are other ways you can get in touch:</p></td>
</tr>
<tr>
<td align=3D"center" valign=3D"top"><table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" width=3D"10" style=3D"width: 10px;" =
valign=3D"top"> </td>
<td align=3D"left" valign=3D"top"><table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 6px;" class=3D"bullred" =
>•</p></td>
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;"><p style=3D"margin: 0px; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
font-size: 16px; line-height: 20px; font-weight: normal; text-align: =
left; color: #333333; margin-top: 0px; margin-bottom: 6px;">Our =
<strong>Chat Assistant</strong> is available in our HSBC UK Business =
Banking app and online to answer common banking queries. If it =
doesn=E2=80=99t help, you can connect to an agent during opening =
hours.</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 2px;" class=3D"bullred" =
> </p></td>
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;"><table width=3D"100%" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" width=3D"26" style=3D"width: 26px;" =
valign=3D"top"> </td>
<td align=3D"left" valign=3D"top"><table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 18px; line-height: 22px; =
font-weight: normal; text-align: left; color: #db0011; margin-bottom: =
6px;" class=3D"bullred" >–</p></td>
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;"><p style=3D"margin: 0px; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
font-size: 16px; line-height: 20px; font-weight: normal; text-align: =
left; color: #333333; margin-top: 0px; margin-bottom: 6px;">If you're =
using the app, go to <strong>Chat with us</strong> in the 'Support' =
menu.</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 18px; line-height: 22px; =
font-weight: normal; text-align: left; color: #db0011; margin-bottom: =
6px;" class=3D"bullred" >–</p></td>
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;"><p style=3D"margin: 0px; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
font-size: 16px; line-height: 20px; font-weight: normal; text-align: =
left; color: #333333; margin-top: 0px; margin-bottom: 6px;">If you're =
using a desktop or browser, go to <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a2f=
" target=3D"_blank" style=3D"color: #333333; text-decoration: =
underline;" title=3D"business.hsbc.uk"><strong><span =
style=3D"font-weight: normal;">business.hsbc.uk</span></strong></a> and =
click <strong>Need help?</strong> or the <strong>Chat with us</strong> =
tab.</p></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"20" style=3D"width: 20px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #db0011;"><p =
style=3D"margin: 0px; font-family:Arial, Helvetica, sans-serif; =
font-size: 18px; line-height: 22px; font-weight: normal; text-align: =
left; color: #db0011; margin-bottom: 2px;" class=3D"bullred" =
>•</p></td>
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;"><p style=3D"margin: 0px; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
font-size: 16px; line-height: 20px; font-weight: normal; text-align: =
left; color: #333333; margin-top: 0px; margin-bottom: 0px;">Call us on =
<a href=3D"tel:03457606060" target=3D"_blank" title=3D"call" =
style=3D"color: #333333; text-decoration: none;"><strong><span =
style=3D"font-weight: normal; text-decoration: none; color: =
#333333;">03457 60 60 60</span></strong></a>¹.</p></t=
d>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top"><p style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 16px; line-height: 20px; =
margin: 14px 0px 18px 0px; ">For other accessible ways to contact us, =
visit <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a30=
" target=3D"_blank" style=3D"color: #333333; text-decoration: =
underline;" title=3D"business.hsbc.uk/accessibility"><strong><span =
style=3D"font-weight: normal; text-decoration: underline; =
">business.hsbc.uk/accessibility</span></strong></a>.</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 6px 0px; ">Thank you</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 14px 0px; "><strong>Your =
Commercial Banking Team</strong></p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top"><table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #333333;"><p =
style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 18px; line-height: 22px; =
font-weight: normal; text-align: left; color: #333333; margin-bottom: =
2px;" >¹</p></td>
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;"><p style=3D"margin: 0px; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
font-size: 16px; line-height: 20px; font-weight: normal; text-align: =
left; color: #333333; margin-top: 0px; margin-bottom: 16px;">We're open =
Mo<span>‌</span>nd<span>‌</span>ay t<span>‌</span>o =
Fr<span>‌</span>id<span>‌</span>ay, =
8<span>‌</span>:00<span>‌</span>am t<span>‌</span>o =
8:0<span>‌</span>0p<span>‌</span>m an<span>‌</span>d =
Sa<span>‌</span>tur<span>‌</span>day, =
8:<span>‌</span>00<span>‌</span>am t<span>‌</span>o =
2<span>‌</span>:00<span>‌</span>pm (subject to change over =
certain periods). Our up-to-date opening hours can be found at <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f99d1=
" target=3D"_blank" style=3D"color: #333333; text-decoration: =
underline;" title=3D"business.hsbc.uk/contact-us"><strong><span =
style=3D"font-weight: normal; text-decoration: underline; color: =
#333333;">business.hsbc.uk/contact-us</span></strong></a>. If you're =
calling from outside the UK, please dial <a href=3D"tel:+441226260878" =
target=3D"_blank" title=3D"call" style=3D"color: #333333; =
text-decoration: none;"><strong><span style=3D"font-weight: normal; =
text-decoration: none; color: =
#333333;">+44 1226 260 878</span></strong></a>. To help =
us improve our service, and in the interest of security, we may monitor =
and record your conversation. If you need a Text Relay service, you can =
download the 'Relay UK' app and call our number from within it.</p></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td><p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
24px; line-height: 28px; margin: 14px 0px 18px 0px; ">Appendix – =
interest rate changes</p></td>
</tr>
<tr>
<td><table width=3D"100%" style=3D"width: 100%;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" =
style=3D"background-color:transparent;line-height:18px;" class=3D"">
<table width=3D"720" style=3D"border-collapse: collapse; border-spacing: =
0; margin-top: 0; margin-right: 0; margin-bottom: 0; margin-left: 0; =
mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-width: 0; =
border-style: none; table-layout: fixed; width: 720px; vertical-align: =
top;" bgcolor=3D"#ffffff" class=3D"darkmode">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding: 0px;">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"width: 100%;">
<tbody>
=20
<!-- BMM Monthly -->
<tr>
<td>
<table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"border-collapse: collapse; border:1px solid #D9D9D9;" =
width=3D"720">
<!-- Header -->
<tr bgcolor=3D"#EBEBEB">
<th width=3D"240" align=3D"left" =
style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
12px; line-height: 18px; font-weight: bold; border:1px solid #D9D9D9; =
padding: 2px 8px;" colspan=3D"2" rowspan=3D"2">Product</th>
<th align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px 8px;" =
rowspan=3D"2">GBP amount</th>
<th align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; border-bottom: 0; padding: =
2px 8px;" colspan=3D"2">Rates (%) effective<br>until 20 October =
2025</th>
<th align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; border-bottom: 0; padding: =
2px 8px;" colspan=3D"2">Rates (%) effective<br>from 21 October 2025</th>
</tr>
<tr bgcolor=3D"#EBEBEB">=20
<th align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px 8px; font-weight: =
normal;">Gross</th>
<th align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px 8px; font-weight: =
normal;">AER<sup>2</sup></th>
<th align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px 8px; font-weight: =
normal;">Gross</th>
<th align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px 8px; font-weight: =
normal;">AER<sup>2</sup></th>
</tr
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
<!-- Product Name -->
<td valign=3D"middle" bgcolor=3D"#F5F5F5" =
rowspan=3D"12" align=3D"left" style=3D"font-family: 'Universe Next =
HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-right:0; padding: 10px 10px; =
font-weight:normal;">
<b>Business Money Manager</b>
<br>(Monthly Interest)
</td>
=20
=20
<!-- Subtype -->
<td valign=3D"middle" rowspan=3D"4"
bgcolor=3D"#F5F5F5" align=3D"left"
style=3D"font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 12px; line-height: 18px; border-right:1px solid =
#D9D9D9; padding: 2px 8px;">
Instant Access
</td>
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">Up to =C2=A3100,000</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.44</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.45</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.32</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.33</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3100,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.47</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.48</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.35</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.36</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3250,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.49</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.50</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.37</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.38</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A31m+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.54</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.55</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.42</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.43</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5">
=20
=20
<!-- Subtype -->
<td valign=3D"middle" rowspan=3D"4"
bgcolor=3D"#EBEBEB" align=3D"left"
style=3D"font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 12px; line-height: 18px; border-right:1px solid =
#D9D9D9; padding: 2px 8px;">
30+ day rate
</td>
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">Up to =C2=A3100,000</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.48</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.49</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.36</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.37</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3100,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.51</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.52</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.39</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.40</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3250,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.54</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.55</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.42</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.43</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A31m+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.58</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.59</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.46</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.47</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE">
<!-- Subtype -->
<td valign=3D"middle" rowspan=3D"4"
bgcolor=3D"#F5F5F5" align=3D"left"
style=3D"font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 12px; line-height: 18px; border-right:1px solid =
#D9D9D9; padding: 2px 8px;">
60+ day rate
</td>
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">Up to =C2=A3100,000</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.52</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.53</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.40</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.41</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3100,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.56</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.57</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.44</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.45</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3250,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.59</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.60</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.47</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.48</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A31m+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.64</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.65</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.52</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.53</td>
</tr>
=20
</table>
</td>
</tr>
<tr>
<td height=3D"20" style=3D"height: 20px; font-size: 1px; =
line-height: 1px;"> </td> =20
</tr>
=20
<!-- BMM Quarterly -->
<tr>
<td>
<table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"border-collapse: collapse; border:1px solid #D9D9D9;" =
width=3D"720">
<!-- Header -->
<tr bgcolor=3D"#EBEBEB">
<td width=3D"240" align=3D"left" =
style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
12px; line-height: 18px; font-weight: bold; border:1px solid #D9D9D9; =
padding: 2px 8px;" colspan=3D"2" rowspan=3D"2">Product</td>
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px 8px;" =
rowspan=3D"2">GBP amount</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; border-bottom: 0; padding: =
2px 8px;" colspan=3D"2">Rates (%) effective<br>until 20 October =
2025</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; border-bottom: 0; padding: =
2px 8px;" colspan=3D"2">Rates (%) effective<br>from 21 October 2025</Td>
</tr>
<tr bgcolor=3D"#EBEBEB">=20
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px 8px;">Gross</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px =
8px;">AER<sup>2</sup></td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px 8px;">Gross</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-top:0; padding: 2px =
8px;">AER<sup>2</sup></td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
<!-- Product Name -->
<td valign=3D"middle" bgcolor=3D"#F5F5F5" =
rowspan=3D"12"
align=3D"left" style=3D"font-family: =
'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; border-right:0; padding: 10px 10px;">
<b>Business Money Manager</b><br>(Quarterly =
Interest)
=20
</td>
=20
=20
<!-- Subtype -->
<td valign=3D"middle" rowspan=3D"4"
bgcolor=3D"#F5F5F5" align=3D"left"
style=3D"font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 12px; line-height: 18px; border-right:1px solid =
#D9D9D9; padding: 2px 8px;">
Instant Access
</td>
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">Up to =C2=A3100,000</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.44</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.45</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.32</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.33</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3100,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.47</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.48</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.35</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.36</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3250,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.49</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.50</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.37</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.38</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A31m+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.54</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.55</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.42</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.43</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5">
=20
=20
<!-- Subtype -->
<td valign=3D"middle" rowspan=3D"4"
bgcolor=3D"#EBEBEB" align=3D"left"
style=3D"font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 12px; line-height: 18px; border-right:1px solid =
#D9D9D9; padding: 2px 8px;">
30+ day rate
</td>
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">Up to =C2=A3100,000</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.48</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.49</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.36</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.37</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3100,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.51</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.52</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.39</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.40</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3250,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.54</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.55</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.42</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.43</td>
</tr>
=20
<tr bgcolor=3D"#F5F5F5" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A31m+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.58</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.59</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.46</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.47</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE">
=20
=20
<!-- Subtype -->
<td valign=3D"middle" rowspan=3D"4"
bgcolor=3D"#F5F5F5" align=3D"left"
style=3D"font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 12px; line-height: 18px; border-right:1px solid =
#D9D9D9; padding: 2px 8px;">
60+ day rate
</td>
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">Up to =C2=A3100,000</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.52</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.53</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.40</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.41</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3100,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.56</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.57</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.44</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.45</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A3250,000+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.59</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.60</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.47</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.48</td>
</tr>
=20
<tr bgcolor=3D"#FFFFFE" style=3D"border-top:1px solid =
#D9D9D9;">
=20
=20
<td align=3D"left" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">=C2=A31m+</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.64</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
border:1px solid #D9D9D9; padding: 2px 8px;">1.65</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.52</td>
<td align=3D"right" style=3D"font-family: 'Universe =
Next HSBC', Arial, Helvetica, 'Sans-serif'; color: #333333; =
mso-line-height-rule: exactly; font-size: 12px; line-height: 18px; =
font-weight: bold; border:1px solid #D9D9D9; padding: 2px =
8px;">1.53</td>
</tr>
=20
</table>
</td>
</tr>
<tr>
<td height=3D"20" style=3D"height: 20px; font-size: 1px; =
line-height: 1px;"> </td> =20
</tr>
=20
=20
<tr>
<td align=3D"left" valign=3D"top" style=3D"padding-top: 0px; =
padding-bottom: 18px;"><table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px; =
font-family: Arial, Helvetica, sans-serif; font-size: 18px; line-height: =
22px; font-weight: normal; text-align: left; color: #333333;"><p =
style=3D"margin: 0px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-size: 18px; line-height: 22px; =
font-weight: normal; text-align: left; color: #333333; margin-bottom: =
2px;" >²</p></td>
<td align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
Helvetica, sans-serif; font-size: 16px; line-height: 20px; font-weight: =
normal; text-align: left; color: #333333;"><p style=3D"margin: 0px; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif'; =
font-size: 16px; line-height: 20px; font-weight: normal; text-align: =
left; color: #333333; margin-top: 0px; margin-bottom: 0px;">AER (Annual =
Equivalent Rate): This is a notional rate which illustrates what the =
gross rate would be if interest were paid and compounded each =
year.</p></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td><table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"center" style=3D"border: 1px solid #000000;" =
class=3D"borderwhite">
<tbody>
<tr>
<th width=3D"246" align=3D"center" valign=3D"top" style=3D"width: =
246px;" class=3D""><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/img-1.jpg" =
width=3D"246" alt=3D"Learn more about fraud" style=3D"width: 100%; =
height: auto; border: 0px; display: block;"/></th>
<th width=3D"24" style=3D"width: 24px;"> </th>
<th align=3D"left" valign=3D"top" class=3D"" style=3D"font-weight: =
normal;"> <p style=3D"font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: exactly; =
font-size: 16px; line-height: 20px; margin: 72px 0px 12px 0px; =
font-weight: normal;"><strong>Learn more about fraud</strong></p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 14px 12px 0px;">For more =
information on how to protect you and your business, speak with your =
usual HSBC contact or visit <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f99d0=
" target=3D"_blank" style=3D"color: #333333; text-decoration: =
underline;" title=3D"business.hsbc.uk/fraud-centre"><strong><span =
style=3D"font-weight: normal; text-decoration: underline; color: =
#333333;">business.hsbc.uk/fraud-centre</span></strong></a>.</p>
</th>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td style=3D"padding: 30px 0px 15px 0px;" align=3D"center"><table =
align=3D"center" style=3D"border-collapse: collapse; border: 0; =
mso-table-lspace: 0; mso-table-rspace: 0; border-spacing: 0; margin: 0; =
width: 94%; padding: 0;" width=3D"94%">
<tbody>
<tr>
<td><table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
<tbody>
<tr>
<td><table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
<tbody>
<tr align=3D"left" valign=3D"top">
<td width=3D"72" align=3D"left" valign=3D"top" style=3D"width: 72px; =
padding-top: 4px;" ><img =
src=3D"https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/lock.png" =
width=3D"48" alt=3D"Your security is our priority" style=3D"width: 48px; =
height: auto; border: 0px; display: block;"/></td>
<td class=3D"colwhite" align=3D"left" style=3D"border-collapse: =
collapse; padding: 0; mso-line-height-rule: exactly; vertical-align: =
top; font-size: 16px; line-height: 20px; font-weight: 400; padding-top: =
0px; color: #333333; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; padding-bottom: 16px;" valign=3D"top"><p =
style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
24px; line-height: 28px; margin: 0px 0px 12px 0px">Your security is our =
priority</p>
<p style=3D"font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif'; color: #333333; mso-line-height-rule: exactly; font-size: =
16px; line-height: 20px; margin: 0px 0px 12px 0px">In our emails, we'll =
never ask you for confidential information or to confirm your security =
details. Links within our emails will only take you to information =
pages.</p>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top"><table align=3D"left" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" style=3D"font-size: 16px; line-height: =
20px;"><p style=3D"margin: 0px; font-family: 'Universe Next HSBC', =
Arial, Helvetica, 'Sans-serif'; color: #333333; mso-line-height-rule: =
exactly; font-size: 16px; line-height: 20px; margin: 0px 0px 0px =
0px">Please forward any suspicious emails to <a target=3D"_blank" =
href=3D"mailto:phishing@hsbc.com" style=3D"text-decoration: underline; =
display: inline-block; color: #333333;" =
title=3D"phishing@hsbc.com"><strong><span style=3D"text-decoration: =
underline;">phishing@hsbc.com</span></strong></a></p></td>
<td width=3D"14" style=3D"width: 14px;font-size: 16px; line-height: =
20px;" align=3D"right" valign=3D"top"><a target=3D"_blank" =
href=3D"mailto:phishing@hsbc.com" style=3D"text-decoration: none; color: =
#333;" title=3D"phishing@hsbc.com"><img class=3D"mobilearrow" =
alt=3D"arrow" =
src=3D"https://assets.fwdto.net/hsbc/cmb/202402_fraud_email/arrow8.png" =
height=3D"18" width=3D"8" style=3D"width: 8px; height: 18px; display: =
block;"></a></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td class=3D"padlr20 mainbg" style=3D"border-collapse: collapse; =
mso-line-height-rule: exactly; vertical-align: top; padding: 0 22px; =
background-color: #e4e5e6;" valign=3D"top" bgcolor=3D"#e4e5e6"><table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding: 20px 0px 0px 0px;"><table border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f99d2=
" target=3D"_blank" aria-label=3D"Privacy notice Privacy notice Opens in =
new window" title=3D"Website terms" style=3D"color: #000000; =
text-decoration: underline;"><span style=3D"font-weight: normal; =
text-decoration: underline; color: #000000;" class=3D"nolink">Website =
terms</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a2e=
" title=3D"Legal" target=3D"_blank" aria-label=3D"Legal Legal Opens in =
new window" style=3D"color: #000000; text-decoration: underline;"><span =
style=3D"font-weight: normal; text-decoration: underline; color: =
#000000;" class=3D"nolink">Legal</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a31=
" title=3D"Contact us" target=3D"_blank" aria-label=3D"Contact us =
Contact us Opens in new window" style=3D"color: #000000; =
text-decoration: underline;"><span style=3D"font-weight: normal; =
text-decoration: underline; color: #000000;" =
class=3D"nolink">Contact us</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a32=
" title=3D"Find a branch" target=3D"_blank" aria-label=3D"Legal Legal =
Opens in new window" style=3D"color: #000000; text-decoration: =
underline;"><span style=3D"font-weight: normal; text-decoration: =
underline; color: #000000;" class=3D"nolink">Find a =
branch</span></a></td>
<td style=3D"padding: 0px 20px 0px 0px; display: inline-block; =
font-family: 'Universe Next HSBC', Arial, Helvetica, 'Sans-serif';color: =
#000000; text-decoration: underline; font-weight: 400;font-size: 12px; =
line-height: 16px;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a33=
" title=3D"Fraud Centre" target=3D"_blank" style=3D"color: #000000; =
text-decoration: underline;"><span style=3D"font-weight: normal; =
text-decoration: underline; color: #000000;" =
class=3D"nolink">Fraud Centre</span></a></td>
</tr>
</tbody>
</table></td>
</tr>
<tr>
<td class=3D"" style=3D"border-collapse: collapse; padding: 0; =
mso-line-height-rule: exactly; vertical-align: top; padding-top: 0px; =
color: #000000; font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif';" valign=3D"top"><div align=3D"left">
<p style=3D"margin: 0; margin-top: 12px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';" class=3D"mt18"><strong>HSBC UK Bank =
plc.</strong> Registered in England and Wales (company number: <a =
style=3D"text-decoration: none; color: #000000;">9928412</a>). =
Registered Office: <span class=3D"applelink">1 =
<span></span>Ce<span></span>nte<span></span>na<span></span>r<span></span>=
y Sq<span></span>ua<span></span>re, =
Bi<span></span>rm<span></span>ing<span></span>ha<span></span>m, =
B<span></span>1 1<span></span>H<span></span>Q. Authorised by the =
Prudential Regulation Authority and regulated by the Financial Conduct =
Authority and the Prudential Regulation Authority (Financial Services =
Register number: 765112).</span></p>
<p style=3D"margin: 0; margin-top: 9px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif'; font-weight: bold;"><a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a34=
" target=3D"_blank" style=3D"color: #000000; text-decoration: none;" =
title=3D"Privacy notice">Privacy notice</a></p>
<p style=3D"margin: 0; margin-bottom: 0px; font-size: 12px; line-height: =
16px; font-family: 'Universe Next HSBC', Arial, Helvetica, =
'Sans-serif';">We maintain strict security standards and procedures to =
prevent unauthorised access to information about you. HSBC will never =
contact you by email or otherwise to ask you to validate personal =
information such as your user ID, password or account numbers. If you =
get such a request, please call our online security team on <a =
title=3D"call" href=3D"tel:03456022014" style=3D"color: #000000; =
text-decoration: none;" =
target=3D"_blank">03456 022 014</a>.</p>
<p style=3D"margin: 0; margin-top: 10px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';">To make sure we're communicating effectively, =
we may monitor your interest in our emails. We may be able to tell when =
you've opened them, and how you've interacted with them. This includes =
information about how long you spend reading our emails and which links =
you select. We may also collect technical information about your device =
and internet connection, and set cookies. We use trusted service =
providers to help us. For more details, read our <a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a35=
" target=3D"_blank" title=3D"Privacy Notice" style=3D"color: #000000; =
text-decoration: underline;"><strong><span style=3D"font-weight: normal; =
text-decoration: underline;">Privacy Notice</span></strong></a> and our =
<a =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a36=
" target=3D"_blank" title=3D"Cookie Policy" style=3D"color: #000000; =
text-decoration: underline;"><strong><span style=3D"font-weight: normal; =
text-decoration: underline;">Cookie Policy</span></strong></a>.</p>
<p style=3D"margin: 0; margin-top: 10px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';">This email is confidential. It may also be =
legally privileged. If you aren't the addressee you may not copy, =
forward, disclose or use any part of it. If you got this message in =
error, please delete it and all copies from your system and notify the =
sender immediately by return email. Internet communications can't be =
guaranteed to be timely, secure, error or virus free. We don't accept =
liability for any errors or omissions. Please don't reply to this email. =
To get in touch, <a target=3D"_blank" title=3D"contact us" =
href=3D"http://email.business.hsbc.co.uk/r/?id=3Dh3735fe1,18a42a0,10f9a37=
" style=3D"color: #000000; text-decoration: underline;"><strong><span =
style=3D"font-weight: normal; text-decoration: underline;">contact =
us</span></strong></a>.</p>
<p style=3D"margin: 0; margin-top: 10px; margin-bottom: 0px; font-size: =
12px; line-height: 16px; font-family: 'Universe Next HSBC', Arial, =
Helvetica, 'Sans-serif';">©HSBC Group 2025. All Rights =
Reserved.</p>
</div></td>
</tr>
<tr>
<td style=3D"border-collapse: collapse; padding: 0; =
mso-line-height-rule: exactly; vertical-align: top; height: 25px;" =
height=3D"25" valign=3D"top"/>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table></td>
</tr>
</tbody>
</table>
</div>
</div></td>
</tr>
</table>
</div>
</body>
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