PRE-CONTRACT CREDIT INFORMATION (Standard European Consumer Credit Information) 1. Creditor Address Telephone number(s) Web address 2.

The type of credit The total amount of credit This means the amount of credit to be provided under the proposed credit agreement or the credit limit. How and when credit would be provided. The duration of the credit agreement Repayments The total amount you will have to pay This means the amount you have borrowed plus interest and any costs Key features of the credit product Fixed-sum loan
7,000.00

Contact details HSBC Bank plc 8 Canada Square, London, E14 5HQ 08457404404 www.hsbc.co.uk

After we have received and processed your signed loan agreement, we will pay into your current account the amount of the loan.
48 months

1st payment of 175.67 47 monthly instalments of 175.79 8,437.80 When you complete repayment of the loan on the last repayment date under the agreement, we will refund you with 10% of the total interest (excluding interest on overdue sums or on sums paid in compensation for our costs in instances of default). This does not apply if the loan is repaid early or if the loan agreement is terminated before the last repayment date.

3.

Costs of the credit Simple interest rate is 9.441% per annum. This is a fixed rate. Effective interest rate is 9.9% per annum. This is a fixed rate. At the beginning of the loan agreement we work out the interest you will pay over the whole period of your loan using the annual simple interest rate shown above and add this to your loan balance. We calculate your interest charge by applying interest at the simple rate to the balance of your loan account, as reduced by your scheduled repayments.

The rates of interest which apply to the credit agreement

Annual Percentage Rate of Charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers. Related costs You must have a separate account for recording both payment transactions and drawdowns Any other costs deriving from the credit agreement

9.9%

Calculated on the basis that you and we comply with the terms of the agreement until the end of the agreement term.

Costs in the case of late payments

You must have a current account (this does not need to be with HSBC Bank plc) from which we can take payment transactions and into which we can pay the amount of your loan. You must pay our reasonable costs and expenses incurred in connection with the enforcement of the agreement You will have to pay an arrangement fee of 0.00 If you are late paying any amount due under the loan agreement, we FC Key Facts-CNSA0801

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Consequences of missing payments 4. Other important legal aspects

may charge you interest on the overdue amount at the interest rate specified above from when payment was due until payment is received in full. Missing payments could have severe consequences for you (e.g., legal proceedings) and make obtaining credit more difficult in the future.

Right of withdrawal You have the right to withdraw from the credit agreement within a period of 14 calendar days after the agreement is made, or if later, 14 calendar days after you have received a copy of the agreement. Early repayment You have the right to repay the credit early at any time in full or partially. Consultation with a Credit Reference Agency We will inform you immediately and without charge if we reject your credit application on the basis of a consultation with a Credit Reference Agency. We will give you details of the Credit Reference Agency consulted unless we are prohibited from doing so by EC law or if doing so would be contrary to objectives of public policy or public security. Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft credit agreement free of charge, unless we are unwilling at the time of the request to proceed to the conclusion of the credit agreement. The period of time during which the creditor is bound by the pre-contractual information This information is valid for 14 days from today, 31 Jan 2012 5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor Registration number The supervisory authority HSBC Bank plc holds a Consumer Credit Licence number 0006343. The Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London EC4Y 8JX is the regulating authority for consumer credit agreements. You have the right to withdraw from the credit agreement within a period ending 14 calendar days after you receive written confirmation from us that we have executed the agreement. You can exercise this right by sending written notice of the cancellation to HSBC Bank plc, 8 Canada Square, London, E14 5HQ. or by calling 08457404404. You will have to repay any credit you have taken under the agreement and pay any interest that has accrued on that credit. The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit contract The law applicable to the credit agreement and/or the competent court Language to be used in connection with your agreement The laws of England and Wales.

(b) concerning the credit agreement Right to cancel the agreement

The laws of England and Wales.

Information and contractual terms will be supplied in English. We will communicate in English throughout the duration of the credit agreement.

(c) concerning redress Access to out-of-court complaint and redress mechanism If we are unable to resolve your complaint to your satisfaction you may then complain to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Tel: 0845 080 1800. E-mail [email protected]. Website: www.financialombudsman.org.uk FC Key Facts-CNSA0801

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Some key points about the loan agreement The Pre-contract Credit Information we have provided is important and you should consider it carefully. You can take it away to read before you sign. Missed or late payments could lead to extra interest and charges which will mean that the debt will grow. Persistent late or missed payments could affect your credit rating which can make getting credit more difficult. In the worst case it may lead to legal action to recover a debt. Your monthly repayment will be 175.79 . The total amount payable under the agreement will be. 8,437.80 These are shown in the pre-contract information and the loan agreement. Loans may not be suitable for irregular or short-term borrowing of small amounts. You have the right to withdraw from the credit agreement within a period ending 14 calendar days after you receive written confirmation from us that we have executed the agreement. If you withdraw after receiving credit, you must repay the credit within 30 days and pay any interest due on the credit. If you have any questions about the agreement, please call us on 08457404404. BT customers' calls to 0845 numbers from anywhere in the UK are charged at the local rates, but different rates apply to callers from a nonBT network.
Cashback will not apply if you repay the loan early or if the loan is terminated early for any reason, including a failure to make repayments. Where Cashback is provided, it will not apply to any interest that may have been charged on amounts in arrears or on the costs we incur on your default.

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FC Key Facts-CNSA0801

Signature copy Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974 Between: Us, HSBC Bank plc, 8 Canada Square, London, E14 5HQ and You, Grzegorz Janusz Kaczka,73,Cornbrook,Skelmersdale,Lancashire,WN8 9AF. Amount of Loan Period of Loan (in months) Total amount payable under this Agreement Repayments: Amount of First Repayment Date of First Repayment
47 further monthly repayments of on the same day in each month 7,000.00 48 8,437.80 175.67 30 Mar 2012 175.79

Interest Effective interest rate per annum (fixed) Simple interest rate per annum (fixed) If you exercise your right of withdrawal, the above simple interest rate means that the amount of interest payable per day until you make full repayment is Annual Percentage Rate (APR) Other fees Arrangement Fee

9.9% 9.441%

1.81 9.9%

0.00

PAYMENT 1. When we have received and processed this Agreement, we will pay into your current account (as specified in your payment mandate) the amount of the Loan(s). In return, you must pay us the arrangement fee (if any) and the repayments. INTEREST 2. The effective rate you will pay takes account of the timing of your repayments, the compounding of interest and the monetary costs of the interest charges. It is calculated in the same way as the APR taking account of interest only. 3. At the beginning of the loan agreement we work out the interest you will pay over the whole period of your loan and add this to your loan balance. We calculate your interest charge by applying interest at the simple rate to the balance of your loan account, as reduced by your scheduled repayments. 4. The total amount payable and the APR assume all payments are made on time and that the agreement is not ended early. DEFAULT 5. If you are late paying any amount due under this Agreement, we may charge you interest on the overdue amount at the interest rate specified above from when payment was due until payment is received in full. 6. You will also be liable to pay us our reasonable costs and expenses incurred in connection with the enforcement of this Agreement. 7. If you or, where there is more than one of you, either or both of you: fail to pay your repayments or any other amounts payable under this Agreement as they fall due; or are declared bankrupt or have similar proceedings taken against you; or fail to repay money due under or otherwise break any term of any other agreement between you and HSBC Bank plc; or we find out that any fact or information which you provided to us, or representation made to us by you or on your behalf, was materially incorrect or misleading, we will have the right to demand immediate payment of the unpaid balance of the total amount payable less any applicable rebate. We will first send you a default notice where we are required to do so under the Consumer Credit Act 1974. CIN 1627830499 Page 1 of 1 FC Key Facts-CNSA0801

8.

9.

If we reasonably suspect that this Agreement and/or any other facility or account that you have with us, is/are being used in relation to fraud or other criminal activity, we will have the right to demand immediate payment of the unpaid balance of the total amount payable less any applicable rebate. We will first send you a notice where we are required to do so under the Consumer Credit Act 1974. If full repayment or satisfactory proposals are not received within 28 days of our making demand for full repayment, we may disclose information about you and the conduct of your loan to licensed credit reference agencies.

JOINT BORROWERS 10. Where the loan is in joint names, your liability is joint and several. This means you are liable jointly but also individually for all the terms of this Agreement even if the relationship with another joint borrower ends. SECURITY 11. Any security which you may have provided for other borrowing from us does not secure this loan unless specifically stated to do so in this Agreement. EARLY SETTLEMENT 12. You are entitled to repay amounts due under this agreement partially or in full at any time by giving us notice. You can give notice in writing to HSBC Bank plc, 8 Canada Square, London, E14 5HQ or by calling us on 08457404404. It is necessary to pay all amounts owed under the Agreement if you wish to terminate the Agreement. Where you make any early repayment, there may be a reduction in the amount of interest you will have to pay. We are entitled to defer the early repayment date by up to 28 days and to make a charge equivalent of one month interest on the amount of the early repayment. RELAXING THE TERMS OF THE AGREEMENT 13. If at any time we choose not to enforce the strict terms of this Agreement, we shall not be prevented from applying the strict terms of the Agreement at a later date. CHANGING THE REPAYMENT DATES 14. We may vary your repayment dates. We will give you at least 7 days notice before we do this. SET OFF 15. We may use any credit balance on any other Account you hold with HSBC Bank plc to reduce or repay any sums you fail to pay under this Agreement. We will only do this after giving you reasonable opportunity to rectify the situation. We will not tell you before we exercise our right. We will tell you as soon as we can afterwards. COMPLAINTS 16. If we do not deliver the standard of service you expect, or if you think we have made a mistake, please let us know. We will then investigate the situation and, if necessary, set about putting matters right as quickly as possible. In addition we will take steps, where appropriate, to prevent a recurrence. Please allow your branch manager or the manager of the department concerned the first opportunity to answer your concerns and put matters right. However, if you remain dissatisfied and would like further information about our process for resolving complaints, please ask us for the explanatory leaflet Listening to your comments. This gives further information about the process for resolving complaints and tells you how to complain to the Financial Ombudsman Service. You can obtain the form you need to use by phoning 0845 080 1800 or by downloading it from the Financial Ombudsman Service web-site,.www.financial-ombudsman.org.uk. You will need to send it to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. APPLICABLE LAW 17. This Agreement is governed by the laws of England and Wales as are our dealings with you up until the time your account is opened. We are required by law to tell you that this Agreement is in English and that we will communicate with you at all times in English. ABOUT US 18. HSBC Bank plc is established at 8 Canada Square, London E14 5HQ which is its registered office. HSBC Bank plc is authorised and regulated by the Financial Services Authority Register with registration number 114216. HSBC Bank plc is licensed to carry on a consumer credit business by the Office of Fair Trading, Fleetbank House, 2-6 Salisbury House, London EC4Y 8JX which is the regulating authority for consumer credit agreements. HSBC Bank plcs Consumer Credit licence number is 6343.

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FC Key Facts-CNSA0801

HSBC Advance Provided the total number of repayments applicable to your Loan and shown overleaf in the Key Financial Information 19. section is 60 or less, when you complete repayment of the outstanding amounts due under this Agreement on the last repayment date under this Agreement, we will credit the account used in repayment of the Loan with an amount equivalent to 10% of the total interest paid on the amount of the Loan (excluding interest on overdue sums or on sums paid in compensation for our costs in instances of default). If the Loan is repaid early, or if, for any reason, this Agreement is terminated before the last repayment date then this clause will not be applied and no Cashback will be payable. To benefit from Cashback you must be a HSBC Advance customer at the time the Loan is taken out and must continue to be such throughout the Loan term.

Important Information Statement of account: During the term of this Agreement, you can ask us without charge for a statement of account in the form of a table showing the repayments owing, the periods and conditions relating to these payments and a breakdown of each repayment showing how much comprises capital repayment, interest and, if applicable, other charges. Missing payments: Missing payments could have severe consequences such as making obtaining credit more difficult and could result in legal action to recover any debt owed under this Agreement. Right of withdrawal: You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from this Agreement, without giving any reason, during a period beginning the day after you have received written confirmation from us that we have executed the agreement and ending after 14 calendar days. You can withdraw from the Agreement by sending written notice of the withdrawal to HSBC Bank plc at 8 Canada Square, London, E14 5HQ. or by calling 08457404404. If you withdraw from the Agreement you will have to repay to us the credit you have taken under the Agreement and pay to us any interest accrued on that credit without delay and in any event no later than 30 calendar days after giving notice to withdraw. You can do this by cheque or any other appropriate means. The amount of interest payable per day on the entire amount of credit is shown at the start of this agreement. Sign here only if you want to be legally bound by the terms of this Agreement. Signature(s) of Borrower(s) Click here to sign by placing a tick in the box Date of Signature: 31 Jan 2012 Date(s) of Signature(s) 31 Jan 2012
This agreement is made by electronic means and by creating a tick in the above box you will be signing this agreement.

For HSBC Bank plc

Manager

Loan Account No. 40040066047521

Cat.

PAYMENT MANDATE By signing above, I/we authorise you to pay from my/our current account number 33968790 to you, an arrangement fee (if any), an initial repayment of 175.67 and 47 further repayments of 175.79 all in accordance with the Loan Agreement.

The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits If there are any changes to the amount, date or frequency of your Direct Debit HSBC Bank plc will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request HSBC Bank plc to collect a payment, confirmation of the amount and date will be given to you at the time of the request FC Key Facts-CNSA0801

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If an error is made in the payment of your Direct Debit by HSBC Bank plc or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society If you receive a refund you are not entitled to, you must pay it back when HSBC Bank plc asks you to You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us. -

ABC
HSBC Bank plc, 8 Canada Square, London, E14 5HQ.

Instruction to your Bank or Building Society to pay by Direct Debit

Originator's Identification Number 5 9 9 9 3 8

Name(s) of Account Holder(s)

Reference Number
4 0 0 4 0 0 6 6 0 4 7 5 2 1

Bank/Building Society account number

Branch Sort Code

Instruction to your Bank or Building Society Please pay HSBC Bank plc Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with HSBC Bank plc and, if so, details will be passed electronically to my Bank/Building Society.

Name and full postal address of your Bank or Building Society To: The Manager HSBC Bank plc, Address
8 Canada Square, London,

Signature(s) Click in the box to sign

Date 31 Jan 2012 Postcode E14 5HQ. Banks and Building Societies may not accept Direct Debit Instructions from some types of account.

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