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From: "HSBC UK Bank plc" <communication@mail.insight.business.hsbc.com>
To: <bob@sarahharvey.com>
Subject: Get up to speed on Making Tax Digital
Date: Fri, 20 Mar 2026 15:33:12 -0000
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Plus: register for our fraud webinar
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Your service update from HSBC UK Commercial Banking
Welcome to your monthly service update to help you get the most out of
banking with HSBC UK. This month an update on Making Tax Digital and the
latest news on the UK economy.
_____
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Get ready for Making Tax Digital for Income Tax
Making Tax Digital (MTD) for Income Tax is HMRC’s initiative to digitise the
tax reporting system. Under MTD, instead of keeping paper records, you’ll
use accounting software to track income and expenses - those records can
then be submitted direct to HMRC.
Eligible businesses and individuals will need to:
* keep digital records of their income and expenses
* use MTD-compatible software
* submit updates electronically every three months
MTD already applies to VAT-registered businesses but it is being rolled out
to other taxpayers over the next two years. If you have an annual business
or property income of over £50,000, you’ll need to use MTD from April 2026.
This is followed by April 2027 for income over £30,000 and April 2028 for
income over £20,000.
_____
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Simplify your business banking with new account connectivity features
We’re enhancing Business Internet Banking and the HSBC UK Business Banking
app to help you manage your finances more efficiently and securely.
* Top-up from an external account: Quickly add funds to your HSBC Current
Account from other UK banks.
* Connected accounts: View balances and recent transactions from your
external UK accounts alongside your HSBC accounts, all in one place.
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Get started
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UK in Focus: Essential UK economic news for businesses
Business surveys showed improved demand and a more stable employment outlook
in early 2026. However, that, and the Chancellor’s Spring Statement, were
overshadowed by events in the Middle East, which are likely to delay
inflation reaching 2.0% and create more interest rate uncertainty.
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Read the report
_____
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BAA7&elq=3D27110e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&elqa=
k=3D8AF5AF6049EE5C6457591878E90CC3599415F4C32B596A8F02678DE955982CF0C018"=
data-targettype=3D"webpage">
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B6457c929-4c33-48c6-af62-6f04d5732d13%7D_H=
SBC_Logo-1.jpg" height=3D"40" width=3D"181" =
style=3D"width:100%;height:auto;max-width:181px;" /></a>
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-2" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-12 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:100%;width:-=
webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:480px;min-width:-webkit-calc(100%);min-width:calc(100%)=
;" role=3D"presentation">
<tbody>
<tr>
<td class=3D"elq-image-cell cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:600px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]-->
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B31200c5d-b472-4473-ad76-66acbf2223ec%7D_S=
ervicing_March_header_V1.png" height=3D"200" width=3D"600" =
style=3D"width:100%;height:auto;max-width:1200px;" />
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-3" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
20px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.15" =
style=3D"line-height: 27.6px;"><span style=3D"font-size: 24px;">Your =
service update from HSBC UK Commercial Banking</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">Welcome to =
your monthly service update to help you get the most out of banking with =
HSBC UK. This month an update on Making Tax Digital and the latest news =
on the UK economy.</span></div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-4" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
30px 30px;" class=3D"elq-divider-cell cell cell-0">
<div>
<!--[if mso]>
<center>
<table width=3D100%>
<tbody>
<tr>
<td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
<div style=3D{{ display: 'none' }}>
</div>
</td>
</tr>
</tbody>
</table>
</center>
<![endif]-->
<!--[if !mso]>-->
<hr style=3D"width:100%;=20
border:none;margin:0px;padding:0px;
border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
</hr>
<!--<![endif]-->
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-5" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td class=3D"elq-image-cell cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:500px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]-->
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Baa042151-65ac-4a34-805e-c1fbfc9a6f07%7D_M=
aking_Tax_Digital.png" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:1016px;" />
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-6" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
30px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.15" =
style=3D"line-height: 27.6px;"><span style=3D"font-size: 24px;">Get =
ready for Making Tax Digital for Income Tax</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">Making Tax =
Digital (MTD) for Income Tax is HMRC=E2=80=99s initiative to digitise =
the tax reporting system. Under MTD, instead of keeping paper records, =
you=E2=80=99ll use accounting software to track income and expenses - =
those records can then be submitted direct to HMRC.</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">Eligible =
businesses and individuals will need to:</span></div>
<ul>
<li data-lineheight=3D"1.5" =
style=3D"list-style: disc; line-height: 24px;"><span style=3D"font-size: =
16px;">keep digital records of their income and expenses</span></li>
<li data-lineheight=3D"1.5" =
style=3D"list-style: disc; line-height: 24px;"><span style=3D"font-size: =
16px;">use MTD-compatible software</span></li>
<li data-lineheight=3D"1.5" =
style=3D"list-style: disc; line-height: 24px;"><span style=3D"font-size: =
16px;">submit updates electronically every three months</span></li>
</ul>
<div data-lineheight=3D"1.5" =
style=3D"list-style: disc; line-height: 24px;"><span style=3D"font-size: =
16px;">MTD already applies to VAT-registered businesses but it is being =
rolled out to other taxpayers over the next two years. If you have an =
annual business or property income of over =C2=A350,000, you=E2=80=99ll =
need to use MTD from April 2026. This is followed by April 2027 for =
income over =C2=A330,000 and April 2028 for income over =
=C2=A320,000.</span></div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-7" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
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<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
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<div =
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style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
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style=3D"vertical-align:top;display:inline-table;background:transparent;t=
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lc(83.33333333%);" role=3D"presentation">
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style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
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<div>
<!--[if mso]>
<center>
<table width=3D100%>
<tbody>
<tr>
<td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
<div style=3D{{ display: 'none' }}>
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<hr style=3D"width:100%;=20
border:none;margin:0px;padding:0px;
border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
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<!--[if (gte mso 9)|(IE)]></td><td =
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style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
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<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
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<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-8" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
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<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
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style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
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style=3D"vertical-align:top;display:inline-table;background:transparent;t=
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style=3D"height:5px;background-color:transparent;line-height:5px;" =
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width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
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48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td class=3D"elq-image-cell cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:500px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]--><a target=3D"_blank" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18787&elqTrackId=3DEB455C3B728A3296574DCA3445=
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8" data-targettype=3D"webpage">
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Be3b99f2a-1747-41f4-ba2b-aa716c180f96%7D_S=
implify_your_business_banking.png" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:1016px;" /></a>
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
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</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
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<tbody>
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<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
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<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
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<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
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<td>
<table width=3D"100%" cellpadding=3D"0" =
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<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
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48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.15" =
style=3D"line-height: 27.6px;"><span style=3D"font-size: 24px;">Simplify =
your business banking with new account connectivity =
features</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: =
16px;">We=E2=80=99re enhancing Business Internet Banking and the HSBC UK =
Business Banking app to help you manage your finances more efficiently =
and securely. </span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.15" =
style=3D"line-height: 13.8px;"><br></div>
<ul>
<li data-lineheight=3D"1.15" =
style=3D"list-style: disc; line-height: 18.4px;"><span =
style=3D"font-size: 16px;">Top-up from an external account: Quickly add =
funds to your HSBC Current Account from other UK banks.</span></li>
<li data-lineheight=3D"1.15" =
style=3D"list-style: disc; line-height: 18.4px;"><span =
style=3D"font-size: 16px;">Connected accounts: View balances and recent =
transactions from your external UK accounts alongside your HSBC =
accounts, all in one place. </span></li>
</ul>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-10" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
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48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
30px 30px;" class=3D"elq-button-cell cell cell-0">
<div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
<div>
<!--[if gte mso 9]>
<div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
<table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
<tbody>
<tr style=3D"vertical-align: top;">
<td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
<![endif]-->
</div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18787&elqTrackId=3DEB455C3B728A3296574DCA3445=
87FE66&elq=3D27110e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&el=
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8" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Get =
started</strong></span></span></a>
<div>
<!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
</div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-1">
<div>
<!--[if mso]>
<center>
<table width=3D100%>
<tbody>
<tr>
<td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
<div style=3D{{ display: 'none' }}>
</div>
</td>
</tr>
</tbody>
</table>
</center>
<![endif]-->
<!--[if !mso]>-->
<hr style=3D"width:100%;=20
border:none;margin:0px;padding:0px;
border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
</hr>
<!--<![endif]-->
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
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</td>
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</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-11" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
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48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
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</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td class=3D"elq-image-cell cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:500px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]--><a target=3D"_blank" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18931&elqTrackId=3DC17F9C43A2D3F227957E9FD15D=
727063&elq=3D27110e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&el=
qak=3D8AF5B277AB71FDA0F487F6E71DC70F4F2B86F4C32B596A8F02678DE955982CF0C01=
8" data-targettype=3D"webpage">
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Bcf57d305-2601-4356-8813-61beaa7e3bb5%7D_U=
K_in_focus.png" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:1016px;" /></a>
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-12" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.15" =
style=3D"line-height: 27.6px;"><span style=3D"font-size: 24px;">UK in =
Focus: Essential UK economic news for businesses</span></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">Business =
surveys showed improved demand and a more stable employment outlook in =
early 2026. However, that, and the Chancellor=E2=80=99s Spring =
Statement, were overshadowed by events in the Middle East, which are =
likely to delay inflation reaching 2.0% and create more interest rate =
uncertainty.</span></div>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-13" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
30px 30px;" class=3D"elq-button-cell cell cell-0">
<div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
<div>
<!--[if gte mso 9]>
<div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
<table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
<tbody>
<tr style=3D"vertical-align: top;">
<td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
<![endif]-->
</div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18931&elqTrackId=3D39D26E14545A13DE4343FA8800=
338F96&elq=3D27110e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&el=
qak=3D8AF55CD46FC0EEE10D2616032BCADFAE706EF4C32B596A8F02678DE955982CF0C01=
8" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Read the =
report</strong></span></span></a>
<div>
<!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
</div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-1">
<div>
<!--[if mso]>
<center>
<table width=3D100%>
<tbody>
<tr>
<td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
<div style=3D{{ display: 'none' }}>
</div>
</td>
</tr>
</tbody>
</table>
</center>
<![endif]-->
<!--[if !mso]>-->
<hr style=3D"width:100%;=20
border:none;margin:0px;padding:0px;
border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
</hr>
<!--<![endif]-->
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-14" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-8 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:66.66666667%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:320px;min-width:-webkit-calc(66.66666667%);min-width:ca=
lc(66.66666667%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:20px 30px =
20px 30px;" class=3D"elq-code-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<table>
<tbody>
<tr>
<td valign=3D"middle" =
align=3D"left"><span style=3D"font-family: Arial, Helvetica, =
sans-serif;font-size: 18px;color: =
#4c4c4c;text-decoration:none;line-height: 18px;">Connect with us =
</span></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"25%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-3 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:25%;width:-w=
ebkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:120px;min-width:-webkit-calc(25%);min-width:calc(25%);"=
role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-code-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<table>
<tbody>
<tr>
<td valign=3D"right" =
align=3D"right" width=3D"20"><a =
href=3D"https://www.linkedin.com/showcase/hsbc-commercial-banking/?cid=3D=
0&ElqID=3D2010325&elqTrackId=3D1e9b97436c7e470aa8259d441e70f60d&elq=3D271=
10e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&elqCampaignId=3D12=
707&elqak=3D8AF59C57BE40EE135C72297D8466413E7416F4C32B596A8F02678DE955982=
CF0C018" target=3D"_blank">
<img =
alt=3D"LinkedIn" =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B059dfaef-229a-4345-9e3b-db0041b93f67%7D_S=
ocial_icons.png" width=3D"50"></a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
<table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-15" role=3D"presentation">
<tbody>
<tr>
<td style=3D"background:#ffffff;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
<table class=3D"tolkien-column =
tolkien-column-12 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:100%;width:-=
webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:480px;min-width:-webkit-calc(100%);min-width:calc(100%)=
;" role=3D"presentation">
<tbody>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:0px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-0">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.5" =
style=3D"line-height: 15px;"><span style=3D"font-size: 10px;">In our =
emails, HSBC will never ask you for confidential information or to =
confirm your security details. Links within our emails will only take =
you to information pages.</span></div>
</div>
</td>
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<td =
style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-1">
<div =
style=3D"display:inline-block;width:100%;">
<div><a target=3D"_blank" =
title=3D"Contact Us" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D595&elqTrackId=3D20EB1C69BDB2564BB6AAADBC9733=
5A05&elq=3D27110e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&elqa=
k=3D8AF59FECF6A6CB3DB24D57E64BEACE4955FAF4C32B596A8F02678DE955982CF0C018"=
data-targettype=3D"webpage" style=3D"font-size: 10px; color: rgb(0, 0, =
0);"><u>Contact Us</u></a><span style=3D"font-size: =
10px;"> | </span><u style=3D"font-size: =
10px;"> </u><a target=3D"_blank" title=3D"Find branch" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D842&elqTrackId=3DDC1507241DA3FCD01F92425C7C65=
66B2&elq=3D27110e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&elqa=
k=3D8AF5D044F4ECECAEA1215A481795D5FFBE5AF4C32B596A8F02678DE955982CF0C018"=
data-targettype=3D"webpage" style=3D"font-size: 10px; color: rgb(0, 0, =
0);"><u>Find a branch</u></a><a target=3D"_blank" title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D42&elqTrackId=3D353C20E5DE5BF55298BBB93B7D1AB=
D89&elq=3D27110e87d8744b17bb44bcc7f85fb24b&elqaid=3D18957&elqat=3D1&elqak=
=3D8AF5FFC58DC8F70BE66A5A8D00B71ACD5FC1F4C32B596A8F02678DE955982CF0C018" =
data-targettype=3D"webpage" style=3D"font-size: 10px; color: rgb(0, 0, =
0);"> </a></div>
</div>
</td>
</tr>
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<div><span style=3D"font-size: =
10px;">HSBC UK Bank plc registered in England and Wales number 09928412. =
Registered Office: 1 Centenary Square, Birmingham, B1 1HQ, United =
Kingdom. Authorised by the Prudential Regulation Authority and regulated =
by the Financial Conduct Authority and the Prudential Regulation =
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<div><span style=3D"font-size: =
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