Important Updates Sinhala - HSBC Sri Lanka

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mdßfNda.slhd iEySug m;aùu iy miqúmru
.dia;= .Kkh lsÍu ms

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mdßfNda.slhd iEySug m;afkdúu yd miqúmru
Tng fiajhlr we;s wdldrh ms

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f.úh hq;= wju fYaIh$uqo,
ldâm;a wxl 491013 iy 5429 37( isg wdrïNjk la,eisla ldâ i|yd (- f.úh hq;= wju iuia: ys`. uqo,ska
4%la fyda re'250'00 hk w.hkaf.ka jvd jeä m%udKh'
wfkl=;a ish¨ ldâm;a i|yd( f.úh hq;= wju uqo, iuia: ys`. uqo,ska 4% fyda re'500'00 hk w.hkaf.ka
jvd jeä m%udKh'
Kh iSudj blauùfï .dia;=j
ì,am;a lsÍfï ld,fha§ hï ia:dkhl§ mjrd we;s Kh iSudj blaujd f.dia we;akï" túg re750'00la jQ
iSudj blauùfï .dia;=jla whlrkq ,efí' by; ld¾h i|yd Kh iSudj blaujd f.dia weoao hkak ms

fmd

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^re'4"036'00 - by;lS wdldrhg f.ùï l,hq;= ^fmnrjdß 22& Èkfha§ fmnrjdß 1 jk Èk jk úg ys`.j
mj;akd w;sßla;fhka 4%la& jQ wju f.úh hq;= uqo,la .Kqfokqlre f.jkq ,nhs'
fmd,sh my; i|yka wdldrhg .Kkh lrkq ,efí'
.Kqfokq i|yd fmd,sh .Kkh ls¯u (
^w& re'30,000.00x2%x12/365x21 Èk ^ckjdß 12 - fmnrjdß 1& =xxxxxx// ^ñ,§ .ekSï .Kqfokqj&
^wd& re'20,800.00x2%x12/365x12 Èk ^ckjdß 12- fmnrjdß 1& = xxxxxx// ^uqo,a w;a;sldrï& =xxxxxx I jk
fmd,S fldgi
m%ldYkfha ys. w;sßla;h
i|yd fmd,sh .Kkh ls¯u (
^we& re'80,000.00x2%x12/365/20 Èk ^fmnrjdß 2 - fmnrjdß 21 & = xxxxxx// ^ñ,§ .ekSï + ckjdß 2 Èkg
wdrïNl fYaIh&
^wE& re'20,800.00x2%x12/365x20 Èk ^fmnrjdß 2 - fmnrjdß 21 & = xxxxxx// ^uqo,a w;a;sldrï& = xxxxxx
2 jk fmd,S fldgi
fmnrjd˙ 22 †k m

3 jk WodyrKh - kshñ; †kfhka miqj f.ùï ls¯fï§ fmd,sh .Kkh ls¯u
^fmnrjdß 22 Èk WodyrKhg wkqj f.ùï Èkh jk& fmnrjdß 24 Èk ys`. fYaIfhka re'10"000'00 la
.Kqfokqlre úiska f.jkq ,nhs'
igyk (- kshñ; Èkfha§ fyda kshñ; Èkhg fmr wju f.ùu isÿlr ke;akï" fmd,sho iu`. re'750'00la
jQ m%udo .dia;=jla whlrkq ,efí'
fmd,sh my; oelafjk mßÈ .Kkh lrkq ,efí'
.Kqfokq i|yd fmd,sh .Kkh ls¯u (
^w& re'30000.00x2%x12/365x21 Èk ^ckjdß 12 - fmnrjdß 1& = xxxxxx// ^ñ,§ .ekSï .Kqfokqj&
^wd& re'20800.00x2%x12/365x12 Èk ^ckjdß 12- fmnrjdß 1& = xxxxxx// ^uqo,a w;a;sldrï& = xxxxxx I jk
fmd,S fldgi
m%ldYkfha ys˘ w;s˙la;h i|yd fmd,sh .Kkh lsÍu
(
^we& re'80000.00x2%x12/365/20 Èk ^fmnrjdß 2 - fmnrjdß 23& = xxxxxx// ^ñ,§ .ekSï + ckjdß 2 Èkg
wdrïNl fYaIh&
^wE& re'20,800.00x2%x12/365x20 Èk ^fmnrjdß 2 - fmnrjdß 23& = xxxxxx// ^uqo,a w;a;sldrï& = xxxxxx 2
jk fmd,S fldgi
fmnrjd˙ 22 †k m

..
2 jk WodyrKh - wju f.ùu lrk wjia:dfõ§ uqo,a w;a;sldrï i|yd wod,jk fmd,sh .Kkh ls¯u'
^re'4"036'00 - by;lS wdldrhg f.ùï l,hq;= ^fmnrjdß 22& Èkfha§ fmnrjdß 1 jk Èk jk úg ys`.j
mj;akd w;sßla;fhka 4%la& jQ wju f.úh hq;= uqo,la .Kqfokqlre f.jkq ,nhs'
fmd,sh my; i|yka wdldrhg .Kkh lrkq ,efí'
.Kqfokq i|yd fmd,sh .Kkh ls¯u (
^w& re'30,000.00x2%x12/365x21 Èk ^ckjdß 12 - fmnrjdß 1& =xxxxxx// ^ñ,§ .ekSï .Kqfokqj&
^wd& re'20,800.00x2%x12/365x12 Èk ^ckjdß 12- fmnrjdß 1& = xxxxxx// ^uqo,a w;a;sldrï& =xxxxxx I jk
fmd,S fldgi
m%ldYkfha ys. w;sßla;h
i|yd fmd,sh .Kkh ls¯u (
^we& re'80,000.00x2%x12/365/20 Èk ^fmnrjdß 2 - fmnrjdß 21 & = xxxxxx// ^ñ,§ .ekSï + ckjdß 2 Èkg
wdrïNl fYaIh&
^wE& re'20,800.00x2%x12/365x20 Èk ^fmnrjdß 2 - fmnrjdß 21 & = xxxxxx// ^uqo,a w;a;sldrï& = xxxxxx
2 jk fmd,S fldgi
fmnrjd˙ 22 †k m

iajhxl% Sh kd,sld wjika ls¯fï ld,h w¨;a ls¯fï ld,h
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^kshñ; Èkfha§ m'j' 6'30&
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1' ku iy m%ldYk ld,iSudj (- fuys Tnf.a fl%äÜldâ m%ldYkfha ku iy ld,iSudj i|yka fõ'
2' ;eme,a l< †kh (- fuh Tnf.a ldâm;a .sKqug .Kqfokq ì,am;a lrkq ,nk Èkh fõ'
3' .Kqfokq †kh (- fuh Tnf.a fl%äÜ ldâm;g lrkq ,nk ienE .Kqfokq Èkh fõ'
4' úia;rh (- Tnf.a ldâm; iu. isÿlr we;s ish¨ .Kqfokq fuys ,ehsia;=.; lr we;'
5' uqo, (- tla tla ñ,§ .ekSï" uqo,a w;a;sldrï" mejreï w;sßla;h" udisl .dia;= iy ,enqKq f.ùï fukau
fjk;a .dia;= i|yd jQ .Kqfokq uqo,a fuys ,ehsia;=.; fõ'
6' fl%äÜldâ wxlh (- fuh Tnf.a fl%äÜldâ wxlh fõ' f.ùï lsÍfï§ iy wm iu. iïnkaOùfï§
lreKdlr fuu wxlh i|yka lrkak'
7' whúh hq;= uq¨ uqo, (- fuh m%ldYk ld,h i|yd jQ uq¨ ys`. uqo, fõ'
8' jd˙l ie,iqu (- fuu.ska tla tla ie,iqu ms

HSBC Credit Card
The Hongkong and Shanghai Banking Corporation Limited
HSBC Card Centre P.O. Box 73, Colombo.
HSBC
ku jdi.u
XX XX XXXX isg XX XX XXXX olajd jdr®;dj
;eme,a l<
†kh
ku jdi.u 1234-XXXX-XXXX-5647
Tfí ÌKsl ie,iqu
udre l<
†kh
f.ùug we;s uqΩ w.h
†kh bl=;aùfï
†kh
Tfí fl%äÜ ldâ .sKqfï kj;u f;dr;=re
The Hongkong and Shanghai Banking Corporation Limited
HSBC Card Centre P.O. Box 73, Colombo.
Sri Lanka
First Name Last Name
Suite Number, Building Number
Street Number, Street Name
City, State, Country Postal Code
úia;rh .Kk ^re&
.Kk ^re& .Kk ^re&
To
kj iïnkaO lr.ekSfï f;dr;=re i|yd fldgqj m¯Ìd lrkak'
wfkla msg iïmQr®K lrkak ke;skï www.hsbc.com fjí wfvúhg msúfikak'
HSBC Credit Card 1234-XXXX-XXXX-5647
f.ùug we;s
iïmQr®K uqo,
Page 1 of 1
wu;kak
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bmhQ fmdhskaÜia
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fmdhskaÜ fYaIfha tl;=j
fmdhskaÜ fYaIfha tl;=j
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f.ùï yd ,eîï
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f.ùug we;s jd˙l
.sKqï fYaIhka j, tl;=j
f.ùï fYaIh
f.ùaï ls¯ug kshñ; †kh
jr®;udkfha f.ùug we;s †kh
iSudj blaujQ .Kk
fmr f.ùug we;s .Kk
wju f.ùu
w;amsg uqo,a iSudj yd fmd,sh
≤kg we;s Kh iSudj
w;amsg uqo,a iSudj
b;s˙j we;s uqo,a
jdr®Isl fmd

CREDIT CARD Beagle GOLD / CLASSIC
TOPPAN FROMS (COLOMBO) LIMITED TEL: 2889194 100304 DPS
Quick Reference Guide
Finance charges
Interest will be charged if full payment is not made on the due date or if part /
minimum payment is made before, on or after due date or full payment is made after
the due date.
If a Cardholder does not settle the total closing balance by the Payment Due Date,
the total Closing Balance on the Statement Date shall attract a Finance Charge,
calculated daily on each card Transaction from the original date of the transaction
until the date on which the total Closing Balance is settled, at a rate to be determined
by the Bank. The Finance Charge shall be debited to the Card Account on the
subsequent Statement Date.
* Annual interest rate for purchases - 28%
* Annual interest rate for cash advances - 28%
Minimum payment amounts
* 4% of the outstanding amount or Rs250/- for Classic card and Rs500/- for Gold
Cards whichever is greater.
* For accounts that are over limit: The excess over the credit limit plus 4% of the
credit limit.
Over limit Fee: Rs. 750/- per month.
Will be charged, if you exceed your limit at any time during a statement cycle.
Late payment charge: Rs. 750/-
* If your minimum payment has not been received by the due date, a monthly late
payment charge will be debited to your card account.
Cash advance charges
* Cash Advance/Withdrawal fee will be calculated at 4% of the transaction value
or a minimum charge of Rs 350.00 whichever is greater.
Cheque return charges:
* Insufficient Funds:Rs. 1500/-
* Technical Reasons:Rs. 250/-
Lost card liability
The cardholder is liable for all card transactions [whether authorized or not] charged
to the card before the loss was reported to the bank.
Please note
Cheques should be made payable as follows:
a. Cheques should be crossed (A/c payee only and should include the Card
number) e.g. Pay HSBC, O/A card no. xxxx xxxx xxxx xxxx
b. Third party cheques drawn in favour of the cardholder will not be accepted,
unless they are made out as in the above example.
c. Funds will be available in the credit card account only on the next working day
after the cheque is realised.
d. Cash cheques and post dated cheques will not be accepted for payments.
e. Your payment will be acknowledged on a subsequent statement.
f. Please do not send cash by mail.
Settling your card bills
* Direct debit access to an account with HSBC [from 4% - 100% of your closing
balance].
* Cash payments can be made at all Singer, Abans, Lankabell, Cargills Food City,
Keells Super, selected Arpico Outlets (Hyde Park, Battaramulla, Dehiwela,
Navinna, Negomgo, Kandy, Gampaha, Wellawatta, Kiribathgoda and
Boralesgamuwa). Cash and cheque payments can be made at selected Post
Offices.
* Cash or Commercial Bank cheque payments will be accepted at any
Commercial Bank of Ceylon branch island-wide.
* Cash payments will be accepted at any National Savings Bank (NSB) islandwide.
* A commission of 0.75% of the total payment will be charged to your card account
in the following month for payments made at Commercial Bank, National
Savings Bank and above merchant outlets.
* Payments can be made by cash or cheque at selected Post Offices island wide.
A handling fee of only Rs. 26/- will be charged.
* Mail a cheque to the address shown on your card statement.
* Transfer funds from your HSBC account using our ATMs. Deposits made via
ATM will be processed on the following working day.
* Transfer up to Rs. 1,000,000 from your HSBC savings or current account, using
Phonebanking, with no extra cost.
* Log on to www.hsbc.lk and use our Personal Internet Banking Service [PIB]
to transfer funds from your savings or Current account with HSBC to your credit
card account free of charge.
* Transfer funds from your HSBC account, for a fee of Rs. 250/- by instructing
us with a letter or on our Customer service hotline.
* Deposit cash or cheques via EasyPay machines at any of our Branches
(available 24 hours).
EXAMPLE ON INTEREST CALCULATION
If only the minimum payment is made, interest will be accrued at 28% p.a. on the
balance amount as illustrated below.
Scenario
* Statement period : 02/12/2011 - 02/01/2012
* Statement Closing Balance : 100,000.00
* Payment Due Date : 23/01/2012
Payment Details
* Payment Amount due (4%) : 4000.00
* Payment Date : 23/01/2012
Assumption
No new transactions during the Statement period (02/12/2011 - 02/01/2012).
Interest will be,
* 100,000/- x 2.33% x 12/365 x 21 days (2 Jan to 22 Jan) LKR 1,608.66
* 96,000/- x 2.33% x 12/365 x 10 days (23 Jan to 1 Feb) LKR 735.39
Total Interest on statement of 02/02/2012 LKR 2,344.05
Customer service and inquiries
If you have a query relating to any aspect of this statement, please contact our
customer service hotline mentioned overleaf and facsimile 4 511556.
Any alleged error on the statement should be notified to the bank's card
centre, within 20 days of the statement date.
Note: You will receive your Credit Card statement via post within 10 days from your statement date. For a faster option, sign up for e-statements via www.hsbc.lk today!
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Name / ku $ ngah; :
Card No. / ldâm;a wxlh $ fld; ml;il ,y. :
Residence Address / ksjfia ,smskh $ tPl;L tpyhrk;
Telephone / ÿrl:k wxl $ njhiyNgrp
E-mail address / B fï,a ,smskh $ < nkapy; tpyhrk;
myiq f;dr;=re úuiqu
uq,Huh .dia;=
kshñ; Èkg iïmQ¾K uqo, f.jdke;akï fyda f.úh hq;= uqof,ka fldgila$wju uqo, f.úh hq;= Èk
fyda f.úh hq;= Èkg fmr fyda miq f.jd we;akï o iïmQ¾K uqo,u kshñ; Èkg miq f.jd we;akïo
fmd tq;fpapdhy; jPh;khdpf;fg;gLk; xU Fwpg;gpl;l
tPjj;jpy; ehshe;jk; fzpf;fg;gl;L> mLj;j tpguf;$w;Wj; jpfjpapy; fhh;l; fzf;fpy; gw;W
itf;fg;gLk;.
* nfhs;tdTfSf;fhd tUlhe;j tl;b tPjk; - 28%
* Kw;gzj;jpw;fhd tUlhe;j tl;b tPjk; - 28%
nkhj;j Mff; Fiwe;jnrYj;jy; njhif
* fpsrpf; fhh;l;Lf;f &.250/-> Nfhy;l; fhh;l;Lf;F &.500/- my;yJ epYitj;
njhifapy; 4% vd;gtw;wpy; vJ $baNjh mj; njhif
* vy;iy kPWk; fzf;Ffs;: fld; vy;iyf;F mjpfhpj;j njhif kw;Wk; fld;
vy;iyapd; 4%
vy;iy kPwy; fl;lzk;:khjnkhd;Wf;F &. 750/- mwtplg;gLk;
gl;bay; fhyj;jpw;fpilapy; fld; vy;iy vg;NghjhtJ kPwg;gl;lhy; ,f;fl;lzk;
mwtplg;gLk;.
jhkjr; nrYj;jy; fl;lzk;: &. 750/-
Fwpj;j jpdj;jpy; Mff; Fiwe;j njhif nrYj;jg;glhtpl;lhy; fhh;l; fzf;fpy;
khjhe;j jhkjf; fl;lzk; gw;Witf;fg;gLk;.
Kw;gzj; njhif fl;lzq;fs;
Kw;gz/kPsg;ngWif fl;lzkhdJ> nfhLf;fy; thq;fy; ngWkjpapy; 4% my;yJ
Fiwe;jgl;r mwtPlhd &.350 vd;gtw;wpy; vJ mjpfkhdNjh mJthf ,Uf;Fk;.
jpUk;Gk; fhNrhiyf;fhd mwtPfs;
* epjp gw;whf;Fiw:&. 1500/-
* njhopy;El;g fhuzq;fs;:&. 250/-
njhiye;JNghd fhh;Lf;fhd nghWg;Ngw;G
fhh;l; njhiye;J Nghdik gw;wp tq;fpf;F mwptpf;fg;gLk; tiuapy; mjd; %ykhf
rl;l g+h;tkhf my;yJ rl;l tpNuhjkhf Nkw;nfhs;sg;gl;l rfy ghpkhw;wq;fSf;Fk;
fhh;l; cilikahsNu nghWg;ghspahthh;.
jaT nra;J ftdpf;fTk;:
fhNrhiyfs; gpd;tUk; tifapw; nry;YgbahapUj;jy; Ntz;Lk;.
m. fhNrhiy FWf;nfOjg;gl;bUj;jy; Ntz;Lk;. (ngWgth; f/F kl;Lk; vd;Wk; fld;
ml;il ,yf;fj;JlDk;)
cjhuzk;: HSBC, O/A Card No: xxxx xxxx xxxx xxxx
M. fld; ml;il cupikahsh; rhh;gpy; %d;whk; eguhy; vOjg;gLk; fhNrhiy
Kw;$wpa cjhuzk; Nghy mike;jhyd;wp Vw;Wf;nfhs;sg;glkhl;lhJ.
,. fhNrhiy khw;;wk; ngw;w jpdj;jpw;F mLj;J tUk; Ntiy ehspNyNa fld;
ml;ilf; fzf;fpw;F epjpfs; fpilf;ff;$bajhapUf;Fk;.
vQ;rpAs;s njhiff;F fPNo
fhl;lg;gl;Ls;sthW 28% tUlhe;j tl;b Nrh;f;fg;gLk;.
cjhuzk;
* tpguf;$w;Wf; fhyg;gFjp : 2011.12.02 - 2012.01.12
* tpguf;$w;wpd; KbT kPjp : 100>000.00
* nrYj;j Ntz;ba jpfjp : 2012.01.23
nfhLg;gdT tpguq;fs;
* nrYj;j Ntz;ba njhif (4%) : 4>000.00
* nrYj;jpa jpfjp : 2012.12.23
fUJNfhs;
tpguf;$w;Wf; fhyg;gFjpf;Fs; (2011.12.01 - 2012.01.02) Gjpa nfhLf;fy; thq;fy;fs;
,lk;ngwtpy;iy.
tl;b gpd;tUkhW fzpf;fg;gLk;:
* 100>000/- x 2.33% x 12/365 x 21 ehl;fs; ([d.2 - [d. 22) ,.&. 1>608.66
* 96>000/- x 2.33% x 12/365 x 21 ehl;fs; ([d.23 - ngg;. 1) ,.&. 735.39
2012.02.02 jpfjpf;Fhpa tpguf;$w;wpd; kPjhd nkhj;j tl;b ,.&. 2>344.05
thbf;ifahsh; NritAk; tprhuizfSk;
,e;j mwpf;ifapYs;s VNjDk; tplak; gw;wp tprhhpf;f tpUk;gpdhy;> jaTnra;J
kWgf;fj;jpy; Fwpg;gplg;gl;Ls;s thbf;ifahsh; Nrit njhiyNgrp ,yf;fj;jpy;
njhlh;Gnfhs;sTk;.
,e;j gl;baypy; VNjDk; jtW ,Ug;gjhff; fUjpdhy;> mJ gw;wp ,e;j mwpf;ifj;
jpfjpapypUe;J 20 jpdq;fSf;Fs; tq;fpapd; fhh;l; epiyaj;jpw;F mwptpf;fTk;.
CUT OFF TIME UPDATING TIME
Post Office (Selected Branches)
Cash 3.00 P.M 7.30 A.M Next working day
HSBC / Other Bank Cheques * 3.00 P .M Upon realisation
Internet Banking/ Phone banking 5.30 P.M 7.30 A.M Next working day
ATM transfers Immediate** Immediate
**(On due dates, before 6.30p.m.)
Other Methods
Commercial Bank Payments / Abans 3.00 P.M 7.30 A.M Next working day
Cargills/Keells(excluding super K outlets)/
Lanka Bell / Singer Mega Showrooms 4.00 P.M 7.30 A.M Next working day
ComNet payments 8.00 P.M Second working day
Mail this to: HSBC Centre, P.O. Box 73, Colombo. fuh iïmQrK lr fuu ,smskhg tjkak' HSBC ldâ uOHia:dkh" ;e'fm' wxl 73" fld