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From: "HSBC UK Bank plc" <communication@mail.insight.business.hsbc.com>
To: <bob@sarahharvey.com>
Subject: Updates to help you make the most of banking with HSBC UK
Date: Mon, 24 Feb 2025 14:31:42 -0000
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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 you can find an update from the HSBC Global
Research team, and details of our upcoming fraud webinar.
UK in Focus report
A lack of growth and upside risks to inflation have weighed on sentiment so
far in 2025. Despite renewed inflationary risks HSBC Global Research
continues to judge that a softer labour market means the BoE will cut
interest rates more than the market expects. So far, the UK has been spared
from direct US tariff threats partly because the US runs a small goods trade
surplus with the UK. While the risk of tariffs on the UK remain - most
notably from a possible universal tariff of 10-20% - the UK may be more
effected by indirect consequences of tariffs on other economies.
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Read the report
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Webinar: Fraud & Cyber Awareness
Date: Wednesday 19 March, 2025
Time: Session 1: 10:00 – 10:45am
Session 2: 3:00 – 3:45pm
Join us for a non-technical Fraud and Cyber Awareness session where members
of our Fraud Business Management Team will be discussing card fraud and how
to prevent it.
<https://app.mail.insight.business.hsbc.com/e/er?cid=HBUK%3ANT%3A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsletterService&ElqID=2010325&s=1706134858&lid=16658&elqTrackId=18CCE7E2C29E7ABCC0E796EEEB51E6E7&elq=385b57d4459f4f7881813e77f4a3ef0a&elqaid=16334&elqat=1&elqak=8AF5BB2664B002AFAC999D7E3F156C91EFECB24247F902E3AD4A8FA2C49298BD90AF>
Register now – Session 1
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Register now – Session 2
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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-1" 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:30px =
30px 30px 30px;text-align:left;">
<!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:181px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"left"><![endif]-->
<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;" />
<!--[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 10px 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]--><a target=3D"_blank" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D16659&elqTrackId=3DA274=
17A11DC6124E6E9A8632D70B1D15&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqai=
d=3D16334&elqat=3D1&elqak=3D8AF55B3E605CA317755391B485B23ABEB039B24247F90=
2E3AD4A8FA2C49298BD90AF" data-targettype=3D"webpage">
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Baba1e5b2-8eaa-48f7-8faf-b9c558353d28%7D_H=
eader_Image.png" height=3D"200" width=3D"600" =
style=3D"width:100%;height:auto;max-width:1200px;" /></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-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 =
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: 39px;"><span style=3D"font-size: 26px;">Your =
service update from HSBC UK Commercial Banking</span></div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:20px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-1">
<div =
style=3D"display:inline-block;width:100%;">
<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 you can find an update from the HSBC Global Research =
team, and details of our upcoming fraud webinar.</span></div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:20px 10px =
10px 10px;" class=3D"elq-divider-cell cell cell-2">
<center>
<table width=3D"100%">
<tbody>
<tr>
<td =
style=3D"border-top-width:1px;border-top-style:solid;border-top-color:#00=
0000;">
<div =
style=3D"display:none;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</center>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:20px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-3">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.5" =
style=3D"line-height: 39px;"><span style=3D"font-size: 26px;">UK in =
Focus report</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;">A lack of =
growth and upside risks to inflation have weighed on sentiment so far in =
2025. Despite renewed inflationary risks HSBC Global Research continues =
to judge that a softer labour market means the BoE will cut interest =
rates more than the market expects. So far, the UK has been spared from =
direct US tariff threats partly because the US runs a small goods trade =
surplus with the UK. While the risk of tariffs on the UK remain - most =
notably from a possible universal tariff of 10-20% - the UK may be more =
effected by indirect consequences of tariffs on other economies. =
</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 10px =
10px 10px;" 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 20px 10px 20px; border-radius: =
2px; border: 2px none #000000;">
<![endif]-->
</div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D16659&elqTrackId=3DA274=
17A11DC6124E6E9A8632D70B1D15&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqai=
d=3D16334&elqat=3D1&elqak=3D8AF55B3E605CA317755391B485B23ABEB039B24247F90=
2E3AD4A8FA2C49298BD90AF" target=3D"_blank" title=3D"" =
data-targettype=3D"webpage" data-targetname=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 20px 10px =
20px;border-radius:2px;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"color: rgb(255, 255, 255); =
font-family: Arial, Helvetica, sans-serif; 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:20px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-1">
<center>
<table width=3D"100%">
<tbody>
<tr>
<td =
style=3D"border-top-width:1px;border-top-style:solid;border-top-color:#A6=
A6A6;">
<div =
style=3D"display:none;">=C2=A0</div>
</td>
</tr>
</tbody>
</table>
</center>
</td>
</tr>
<tr>
<td class=3D"elq-image-cell cell =
cell-2" 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=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D16658&elqTrackId=3D613B=
8F73D357DDFB7BC787C269F72B35&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqai=
d=3D16334&elqat=3D1&elqak=3D8AF5F5AEABA557C784566E6D31CF1643DCEEB24247F90=
2E3AD4A8FA2C49298BD90AF" data-targettype=3D"webpage">
<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Ba5d0782b-2ae1-4803-91ab-39dc51e375d1%7D_W=
ebinar_Fraud.png" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:508px;" /></a>
<!--[if =
mso]></td></tr></table><![endif]-->
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
30px 30px;" class=3D"elq-text-cell cell cell-3">
<div =
style=3D"display:inline-block;width:100%;">
<div data-lineheight=3D"1.5" =
style=3D"line-height: 42px;"><span style=3D"font-size: 28px;">Webinar: =
Fraud & Cyber Awareness</span></div>
<div><br></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><strong style=3D"font-size: 16px;">Date: =
Wednesday 19 March, 2025</strong></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><strong style=3D"font-size: 16px;">Time: =
Session 1: 10:00 =E2=80=93 10:45am</strong></div>
<div data-lineheight=3D"1.5" =
style=3D"line-height: =
24px;"><strong> &nbs=
p; </strong><strong style=3D"font-size: =
16px;">Session 2: 3:00 =E2=80=93 3:45pm</strong></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;">Join us =
for a non-technical Fraud and Cyber Awareness session where members of =
our Fraud Business Management Team will be discussing card fraud and how =
to prevent it.</span></div>
</div>
</td>
</tr>
<tr>
<td =
style=3D"background-color:transparent;line-height:18px;padding:0px 30px =
30px 15px;" class=3D"elq-button-cell cell cell-4">
<div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
<div>
<!--[if gte mso 9]>
<div title=3D"Register now =E2=80=93 Session 1 " =
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: =
2px; border: 2px none #000000;">
<![endif]-->
</div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D16658&elqTrackId=3D18CC=
E7E2C29E7ABCC0E796EEEB51E6E7&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqai=
d=3D16334&elqat=3D1&elqak=3D8AF5BB2664B002AFAC999D7E3F156C91EFECB24247F90=
2E3AD4A8FA2C49298BD90AF" target=3D"_blank" title=3D"Register now =
=E2=80=93 Session 1 " data-targettype=3D"webpage" data-targetname=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:2px;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;">Register now =
=E2=80=93 Session 1</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 30px =
30px 15px;" class=3D"elq-button-cell cell cell-5">
<div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
<div>
<!--[if gte mso 9]>
<div title=3D"Register now =E2=80=93 Session 2" =
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B0011;padding:10px 15px 10px =
15px;border-radius:2px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
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style=3D"background-color:transparent;line-height:18px;padding:5px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-6">
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style=3D"border-top-width:1px;border-top-style:solid;border-top-color:#A6=
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style=3D"display:none;">=C2=A0</div>
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</center>
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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, =
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48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
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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 =
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">
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style=3D"height:30px;background-color:transparent;line-height:30px;" =
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style=3D"background-color:#F0F0F0;line-height:18px;padding:0px 30px 0px =
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<img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Be0d51288-ab8d-479b-b77d-54fce997e18d%7D_D=
evice_all.png">
</td>
<td =
style=3D"vertical-align:middle; padding-left:15px;">
<a =
href=3D"https://www.business.hsbc.uk/en-gb/?cid=3DHBUK%3ANT%3A9915%3AE2%3=
ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsletterService=
&ElqID=3D2010325&elqTrackId=3D42239799265942b6a8a0af52676197a3&elq=3D385b=
57d4459f4f7881813e77f4a3ef0a&elqaid=3D16334&elqat=3D1&elqCampaignId=3D109=
11&elqak=3D8AF55EDEE2C2AA2723D12D9E14B80F189EDFB24247F902E3AD4A8FA2C49298=
BD90AF" style=3D"text-decoration:none; color:#333333; font-family:arial; =
font-size:18px;" target=3D"_blank">Visit business.hsbc.uk ></a><br>
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style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-6" role=3D"presentation">
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<td style=3D"background:#FFFFFF;">
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
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cellspacing=3D"0" role=3D"presentation">
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<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">
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<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>
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<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>
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<!--[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">
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style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
20px 30px;" class=3D"elq-code-cell cell cell-0">
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<td valign=3D"right" =
align=3D"right" width=3D"20"><a =
href=3D"https://www.linkedin.com/showcase/hsbc-commercial-banking/?cid=3D=
HBUK%3ANT%3A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%=
3AJulyNewsletterService&ElqID=3D2010325&elqTrackId=3D8aab04ce59b34a24b8e4=
eec8fd7598d1&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqaid=3D16334&elqat=3D=
1&elqCampaignId=3D10911&elqak=3D8AF552C7B9ADDFB567A872101946457E98DBB2424=
7F902E3AD4A8FA2C49298BD90AF" 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>
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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">
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style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
<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-7" role=3D"presentation">
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<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">
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<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 style=3D"line-height: =
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<div =
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<div><a target=3D"_blank" =
title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D595&elqTrackId=3DBAA33C=
4F7A841D01748A087BE855AD48&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqaid=3D=
16334&elqat=3D1&elqak=3D8AF5DD983469265F607095BDF853D55FC775B24247F902E3A=
D4A8FA2C49298BD90AF" 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><a =
target=3D"_blank" title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D842&elqTrackId=3D991185=
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16334&elqat=3D1&elqak=3D8AF5144D6E3E2F267061437DB9174AF95AF3B24247F902E3A=
D4A8FA2C49298BD90AF" data-targettype=3D"webpage" style=3D"font-size: =
10px; color: rgb(0, 0, 0);"><u>Find a branch</u></a><span =
style=3D"font-size: 10px;"> | </span><a =
target=3D"_blank" title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D593&elqTrackId=3DD2C587=
DD91A00FD7EE2BC399D0C02E79&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqaid=3D=
16334&elqat=3D1&elqak=3D8AF53425B685154A4CC395FF6ED13C2837E5B24247F902E3A=
D4A8FA2C49298BD90AF" data-targettype=3D"webpage" style=3D"font-size: =
10px; color: rgb(0, 0, 0);"><u>HSBC Group website</u></a></div>
</div>
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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-2">
<div =
style=3D"display:inline-block;width:100%;">
<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 =
Authority under registration number 09928412. </span></div>
<div><span style=3D"font-size: =
10px;">=C2=A9 HSBC Group 2024. All rights reserved.</span></div>
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10px 30px;" class=3D"elq-text-cell cell cell-3">
<div =
style=3D"display:inline-block;width:100%;">
<div><a target=3D"_blank" =
title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D13422&elqTrackId=3D5408=
CB1A399E0B95E98DE4E3BFFF0929&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqai=
d=3D16334&elqat=3D1&elqak=3D8AF5F21BB8D8EEEA6A11BF8A546D3C674920B24247F90=
2E3AD4A8FA2C49298BD90AF" data-targettype=3D"webpage" style=3D"font-size: =
10px; color: rgb(0, 0, 0);"><strong><u>Privacy and security terms of use =
policy</u></strong></a></div>
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10px 30px;" class=3D"elq-text-cell cell cell-4">
<div =
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<div><span style=3D"font-size: =
10px;">If you would like to opt-out from receiving this service update =
from HSBC UK, you can do so</span><strong style=3D"font-size: =
10px;"> </strong><a target=3D"_blank" title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D11801&elqTrackId=3DB36A=
841EB3065862DEC9C420E8E2DC7B&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqai=
d=3D16334&elqat=3D1&elqak=3D8AF5E8B8079A5C1DB3097142E109EA127040B24247F90=
2E3AD4A8FA2C49298BD90AF" data-targettype=3D"webpage" style=3D"font-size: =
10px; color: rgb(0, 0, 0);"><strong><u>here</u></strong></a><span =
style=3D"font-size: 10px;">. Please note that you will still receive =
essential service communications relating to your account and terms =
updates.</span></div>
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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-5">
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<div><span style=3D"font-size: =
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we may monitor your interest in them. For more details, please read our =
</span><a target=3D"_blank" title=3D"" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3DHBUK%3ANT%3=
A9915%3AE2%3ACMB%3AL14%3AXXR%3ACAM%3A0%3AXEV%3A3%3A0124%3A001%3AJulyNewsl=
etterService&ElqID=3D2010325&s=3D1706134858&lid=3D13804&elqTrackId=3DB449=
82A67ABF3B5D90C895E7806D28F0&elq=3D385b57d4459f4f7881813e77f4a3ef0a&elqai=
d=3D16334&elqat=3D1&elqak=3D8AF50A9C45FF7BCEFE1F5ADA84BC5F2F735CB24247F90=
2E3AD4A8FA2C49298BD90AF" data-targettype=3D"webpage" style=3D"font-size: =
10px; color: rgb(0, 0, 0);"><u>Cookie policy</u>.</a></div>
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style=3D"background-color:transparent;line-height:18px;padding:10px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-6">
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<div><span style=3D"font-size: =
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