1

cs;slf;fk;

cq;fs; fpnwbl; fhh;l;

njhlh;gpy; Kf;fpa jfty;fs;

2

thbf;ifahsh; jpUg;jp kw;Wk; mgpg;gpuha ntspaPL 03 - 05

fl;lzf; fzpg;gPL njhlh;ghd ghtidahsh; topfhl;b 06 - 11

fpnwbl; fhh;l; fhyf;nfL Neuq;fs; 12

fpnwbl; fhl; tpguf;$w;wpd; mikg;G 13 - 15

3

thbf;ifahsh; jpUg;jp kw;Wk; mgpg;gpuha ntspaPL

cq;fSf;Fr; nrtpkLg;Nghk;.

cq;fSf;Fr; Nritahw;WtNj vkJ Nehf;fk;.

HSBC toq;Fk; tq;fpr; Nritiag; ngWtjw;fhf cq;fSf;F ed;wp.

HSBC ,Ys;s ehk;> cq;fSf;F cyfj; jukhd Nritia toq;fTk; cq;fSf;Fj;

Njitahd trjpfs; kw;Wk; Nritfisr; rpwe;j Kiwapy; ngw;Wf;nfhLf;fTk; vk;ik

mh;g;gzpj;Js;Nshk;.

VNjDk; fhuzj;jpdhy;> ehk; toq;Fk; Nritfspd; VNjDk; mk;rk; Fwpj;J cq;fSf;Fg;

g+uz jpUg;jp ,y;iynadpd;> ,ad;wsT tpiuthf mJ gw;wp mwpe;Jnfhs;s ehk;

tpUk;GfpNwhk;. gpur;rpidfisj; jPh;j;Jitf;fTk; mit kPz;Lk; Vw;gLtijj; jtph;f;fTk; ehk;

mj; jfty;fisg; gad;gLj;JNthk;.

ePq;fs; vkf;F Kf;fpakhdth;. ePq;fs; njhptpf;Fk; fUj;Jf;fs; vkJ Nrit kl;lq;fis

Kd;Ndw;Wtjw;F ,lkspf;Fk;.

cq;fs; Kiwg;ghLfisr; rkh;g;gpj;jy;

cq;fs; Kiwg;ghLfSf;Fr; nrtpkLf;f vkJ fpisfspYk; njhiyNgrpj; njhlh;G

epiyaj;jpYk; thbf;ifahsh; Nrit mYtyh;fs; cs;sdh;. cq;fSf;Fj; jpUg;jpaspf;Fk;

tpjj;jpy; gpur;rpidiaj; jPh;j;Jitf;f mth;fs; rfy Kaw;rpfisAk; Nkw;nfhs;thh;fs;.

vdpDk;> ehk; toq;Fk; Nritfs; Fwpj;J cq;fSf;Fg; g+uz jpUg;jp ,y;iynadpd; my;yJ

mr; Nritfs; cq;fs; Njitia <Lnra;atpy;iynadpd;> ePq;fs; gpd;tUk; xU topapy;

cq;fs; fUj;Jf;fis vkf;Fj; njhptpf;fyhk;:

cq;fs; mgpg;gpuhaj;ij xd;iydpy; rkh;g;gpAq;fs;.

jghy; %yk;:

Kfhikahsh;> thbf;ifahsh; mDgtk; kw;Wk; cwTfs;

rpw;wsT tq;fpr; Nrit kw;Wk; nry;t Kfhik

HSBC epiyak;>

525> a+dpad; gpNs];

nfhOk;G 02.

4

kpd;dQ;ry; %yk;:

gphpkpah; – premiercustomerssolutions@hsbc.com.lk

ml;thd;]; – advancecustomersolutions@hsbc.com.lk

nghJ – customersolutions@hsbc.com.lk

,ufrpaj; jd;ik kw;Wk; ghJfhg;ig cWjpg;gLj;Jk; tifapy; jdpg;gl;l ,izaj;js

tq;fpr; NritapYs;s ghJfhg;Gr; nra;jp trjpapd; ClhfTk; ePq;fs; vkf;F vOjyhk;.

njhiyNgrp %yk;:

thbf;ifahsh; gpur;rpidj; jPh;Tf;fhd Jhpj njhiyNgrp ,yf;fk; +94 114 511 566

vkJ fpis xd;wpw;F thUq;fs;:

ePq;fs; fpis xd;wpw;Fr; nrd;W mjw;Fg; nghWg;ghd KfhikahsUld; Ngryhk;

my;yJ mq;F fpilf;Fk; “cq;fs; fUj;Jf;fSf;Fr; nrtpkLg;Nghk;” gbtj;jpy; cq;fs;

fUj;Jf;fis vOjpr; rkh;g;gpf;fyhk;.

ePq;fs; cq;fsJ cwTfs; KfhikahsUld; my;yJ fpisapYs;s mYtyh;

xUtUld; Neubahfg; Ngryhk;. mth;fs; cq;fSf;F kfpo;r;rpAld; cjTthh;fs;.

Nrit kl;l mh;g;gzpg;G

gpur;rpidia cldbahfj; jPh;j;Jitf;f vkf;F Kbahtpl;lhy;> cq;fs; Kiwg;ghL fpilj;j

%d;W Ntiy ehl;fspDs; ehk; jPh;tpid toq;FNthk;.

vdpDk;> rpy gpur;rpidfs; rpf;fyhdit. mtw;iwj; jPh;j;Jitf;f rpwpJ fhyk; vLf;fyhk;.

mj;jifa re;jh;g;gq;fspy;> cq;fs; Kiwg;ghl;bw;Fg; gjpyspf;f Xh; mz;zsthd fhyj;ij

ehk; mwptpg;Nghk;.

epjpj;Jiw Myhl;rp mjpfhhpapd; mYtyfk; - ,yq;if

ePq;fs; Kd;itf;Fk; gpur;rpidfis cq;fSf;Fj; jpUg;jpaspf;Fk; tpjj;jpy; jPh;j;Jitf;fNt

ehk; vg;NghJk; tpUk;GfpNwhk;. vdpDk;> ePq;fs; epjpj;Jiw Myhl;rp mjpfhhpapd;

mYtyfj;Jld; njhlh;Gf;nfhz;L cq;fs; gpur;rpidf;F epthuzk; Nfhuyhk;.

5

epjpj;Jiw Myhl;rp mjpfhhpapd; mYtyfk; vd;gJ 2012Mk; Mz;L Vg;gpuy; khjk;

nfhz;Ltug;gl;l epjpj;Jiw rPh;jpUj;jj; jpl;lj;jpd; xU gFjpahf epWtg;gl;l RahjPd>

gf;fr;rhh;gw;w> ,ytr Nrit mikg;ghFk;.

Myhl;rp mjpfhhpapd; njhlh;G tpguq;fs; gpd;tUkhW:

epjpj;Jiw Myhl;rp mjpfhhpapd; mYtyfk; - ,yq;if>

143V> t[puh tPjp>

nfhOk;G 05.

njhiyNgrp: + 94 112 595 624

njhiyefy;: + 94 112 595 625

kpd;dQ;ry;: fosril@financialombudsman.lk

tiyj;jsk;: www.financialombudsman.lk

6

fl;lzf; fzpg;gPL njhlh;ghd ghtidahsh; topfhl;b

Fiwe;jgl;r nfhLg;gdTj; njhif

Nfhy;l; fhh;l; 4910 13,y; njhlq;Fgit: Fiwe;jgl;r nfhLg;gdT> nkhj;j epYitapy; 4%

my;yJ &.250.00 vd;gtw;wpy;; vJ $baNjh mj; njhifNa Fiwe;jgl;r nfhLg;gdthFk;.

Vida fhh;l;fs;: Fiwe;jgl;r nfhLg;gdT> nkhj;j epYitapy; 4% my;yJ &.500.00

vd;gtw;wpy;; vJ $baNjh mj; njhifNa Fiwe;jgl;r nfhLg;gdthFk;.

cr;rtuk;G kPwy; fl;lzk;

gl;baypLk; fhyj;jpd; VNjDnkhU re;jh;g;gj;jpy;> xJf;fg;gl;l cr;rtuk;G kPwg;gLkhapd;

cr;rtuk;G kPwy; fl;lzkhf &.900.00 mwtplg;gLk;. ,e;j Nehf;fj;jpw;fhf> cr;rtuk;G

kPwg;gl;Ls;sjh vd;gijf; fzpg;gjw;F tq;fpf; fl;lzj; njhiffSk; ftdj;jpw;F

vLj;Jf;nfhs;sg;gLk;.

jhkjf; nfhLg;gdTf; fl;lzk;

fhh;l; itj;jpUg;gth; nfhLg;gdT nrYj;jg;gl Ntz;ba jpfjpf;Fs; Fiwe;jgl;r njhifiar;

nrYj;jj; jtwpdhy;> jhkjf; fl;lzkhf &.990.00 mwtplg;gLk;.

nuhf;f Kw;gz tpjpg;gdTfs;

xt;nthU kPsg;ngWiff;Fk; &.350.00 my;yJ 4% (,tw;wpy; $ba njhif) nuhf;f Kw;gzf;

fl;lzkhf mwtplg;gLk;.

cjhuzk; 1 gzj; njhif = &.50>000.00 nuhf;f Kw;gzf; fl;lzk; 4% = &.50>000.00 x 4%

= &.2>000.00 nuhf;f Kw;gzf; fl;lz mwtPL = &.2>000.00

cjhuzk; 2 gzj; njhif = &.5>000.00 nuhf;f Kw;gzf; fl;lzk; 4% = &.5>000.00 x 4%

= &.200.00 nuhf;f Kw;gzf; fl;lz mwtPL = &.350.00

ftdpf;fTk;: xt;nthU kPsg;ngWiff;Fk; &.350.00 my;yJ 4% (,tw;wpy; $ba njhif)

nuhf;f Kw;gzf; fl;lzkhf mwtplg;gLk;.

7

Kj;jpiu thp

2016 [dthp 1Mk; jpfjp njhlf;fk;> ,yq;iff;F ntspapYs;s tzpf epWtdq;fspy;

Nkw;nfhs;sg;gLk; (xd;iyd; cs;spl;l) fpnwbl; fhh;l; nfhLf;fy; thq;fy;fSf;F kl;LNk

Kj;jpiu thp mwtplg;gLk;. Gjpa Kj;jpiu thpahdJ mj;jifa rfy nfhLf;fy; thq;fy;fs;

njhlh;gpYk; xt;nthU &.1>000.00f;Fk; my;yJ mjndhU gFjpf;Fk; &.25.00 vd;w mbg;gilapy;

mwtplg;gLk;.

8

tl;b fzpg;gPl;bw;fhd cjhuzq;fs;;

cjhuzk; 1

tpguf;$w;Wf; fhyk; - 01/09/2020 Kjy; 30/09/2020 tiu (Nfhy;l; fhh;l;bw;fhd tl;b tPjk; 18.00%)

Nkw;Fwpg;gpl;l tpguf;$w;Wf; fhyj;jpw;fhd nfhLf;fy; thq;fy;fs;

Muk;g kPjp 150>000.00

jpfjp nfhLf;fy; thq;fy; ngWkjp

10 nrg;lk;gu; 2020 &.10>000.00

20 nrg;lk;gu; 2020 &.25>000.00

KbT kPjp &.185>000.00

nrYj;j Ntz;ba jpfjp 22.10.2020

tpguf;$w;Wf; fhyk; - 01/10/2020 Kjy; 31/10/2020 tiu (Nfhy;l; fhh;l;bw;fhd tl;b tPjk; 18.00%)

jpfjp nfhLg;gdTg; ngWkjp

10 xf;N;lhgu; 2020 &.20>000.00

22 xf;N;lhgu; 2020 &.15>000.00

nfhLf;fy; thq;fy;fSf;fhd tl;b fzpg;gPL:

(a) 10,000.00 x 1.50% x 12/366 x 22 ehl;fs; (10 nrg;lk;gh; 2020 - 01 xf;N;lhgu; 2020) = &. 108.20

(b) 25,000.00 x 1.5% x 12/366 x 13 ehl;fs; (20 nrg;lk;gh; 2020 - 01 xf;N;lhgu; 2020) = &. 147.54

tl;bf; $W 1 = ( a+b ) &.255.74

tpguf;$w;W epYit kPjpf;fhd tl;b fzpg;gPL:

(c) 185,000.00 x 1.50% x 12/366 x 8 ehl;fs; (02 xf;N;lhgu; - 09 xf;N;lhgu;) = &.727.87

tl;bf; $W 2 = &.727.87

nfhLg;gdT nrYj;jpa gpd;> mLj;j tpguf;$w;Wj; jpfjp tiuapyhd fhyj;jpw;Fhpa tl;b fzpg;gPL:

(d) 165,000.00 (185,000.00 – 20,000.00) x 1.50% x 12/366 x 12 ehl;fs; (10 xf;N;lhgu; - 21 xf;N;lhgu;) = &.973.77 (e) 150,000.00 x 1.50% x 12/366 x 11 ehl;fs; (22 xf;N;lhgu; - 01 etk;gu;) = &.811.48

tl;bf; $W 3 = (d + e ) &. 1>785.25

nkhj;j tl;b = tl;bf; $W 1 + tl;bf; $W 2 + tl;bf; $W 3 = &.255.74 + &.727.87 + &. 1>785.25 = &.2>768.86

9

cjhuzk; 2

Fiwe;jgl;r nfhLg;gdT Nkw;nfhs;sg;gLk;NghJ> nuhf;f Kw;gzj;jpw;fhd tl;bapd; fzpg;gPL

thbf;ifahsh;> nrYj;j Ntz;ba Fiwe;jgl;r nfhLg;gdit (&.7>416.00 – xf;Nlhgu; 01,y; epYitahf

,Ue;j kPjpapy; 4%) Nkw;Fwpg;gpl;lthW nrYj;j Ntz;ba jpfjpapy; (xf;Nlhgu; 22) nrYj;Jfpwhh;. 2020

nrg;lk;gu; 10Mk; jpfjpa nfhLf;fy; thq;fy; &.10>550.00 nuhf;f Kw;gzkhff; fUjg;gl Ntz;Lk; (nkhj;jj;

njhif: &.10>000.00 x 5% my;yJ &.550 vd;gtw;wpy; vJ $baNjh mJ nuhf;f Kw;gzf; fl;lzkhf

,Uf;Fk;). MfNt. nuhf;f Kw;gzk; + fl;lzk; = &.10>550.00).

nfhLf;fy; thq;fy;fSf;fhd tl;bf; fzpg;gPL:

(a) &.10,550.00 X 1.5% X 12/366 X 23 ehl;fs; (nrg;;lk;gu; 10 – xf;Nlhgu; 01) = &.119.34

(b) &.25,000.00 X 1.5% X 12/366 X 13 ehl;fs; (nrg;;lk;gu; 20 – xf;Nlhgu; 01) = &.159.84

tl;bf; $W 1 = (a + b) &.279.18

tpguf;$w;W epYit kPjpf;fhd tl;b fzpg;gPL:

(c) &.10,550.00* X 1.5% X 12/366 X 20 ehl;fs; (nrg;;lk;gu; 02 – xf;Nlhgu; 21) = &.103.77

(d) &.175,000.00 X 1.5% X 12/366X 20 ehl;fs; (xf;Nlhgu; 02 – xf;Nlhgu; 21) = &.1>721.31

nfhs;tdT + xf;Nlhgu; 01,y; ,Ue;jthwhd Muk;g kPjp)

tl;bf; $W 2 = (c + d) &.1>825.08

xf;N;lhgu; 22,y; KjyhtJ nfhLg;gdT nrYj;jg;gl;l gpd;G njhlf;fk; mLj;j tpguf;$w;Wj; jpfjp tiuahd fhyg;gFjpf;Fhpa tl;bf; fzpg;gPL:

(e) &.3,134.00 (&.10,550.00 - &.7.416.00) X 1.5% X 12/366 X 11 ehl;fs; (xf;Nlhgu; 22 - etk;gu; 01) = &.16.95 (nuhf;f Kw;gzk;)

(f) &.175,000.00 X 1.5% X 12/366 X 11 ehl;fs; (xf;Nlhgu; 22 – etk;gu; 01) = &.946.72 (nfhs;tdTfs; + etk;gu; 02,y; ,Ue;jthwhd Muk;g kPjp)

tl;bf; $W 3 = (e + f) &.963.67

nkhj;j tl;b = tl;b 1 + tl;b 2 + tl;b 3

= &.279.18 + &. + &.1>825.08 + &.963.67= &.3>067.93

cjhuzk; 3

chpa jpfjpf;Fg; gpd; nfhLg;gdT nrYj;jg;gLk;NghJ tl;bf; fzpg;gPL

thbf;ifahsh; epYit kPjpapy; &.10>000.00I xf;Nlhgu; 24,y; nrYj;Jfpwhh; (cjhuzj;jpd;gb> nrYj;jg;gl

Ntz;ba jpfjp xf;Nlhgu; 22).

10

ftdpf;fTk;: Fiwe;jgl;r nfhLg;gdT chpa jpfjpapy; my;yJ mjw;F Kd; nrYj;jg;glhtpl;lhy;> fpnwbl;

fhh;l; fzf;fpy; tl;bf;F Nkyjpfkhf &. 1>200.00 vd;w jhkjf; fl;lzKk; mwtplg;gLk;.

nfhLf;fy; thq;fy;fSf;fhd tl;bf; fzpg;gPL:

(a) &.10,550.00 X 1.5% X 12/366X 23 ehl;fs; (nrg;lk;gh; 10 – xf;Nlhgh; 01) = &.119.33 (nuhf;f Kw;gzk;)

(b) &.25,500.00 X 1.5% X 12/366 X 13 ehl;fs; (nrg;lk;gh; 20 – xf;Nlhgh; 01) = &.159.83

tl;bf; $W 1 = (a + b) &. 279.16

tpguf;$w;W epYit kPjpf;fhd tl;bf; fzpg;gPL:

(c) &.10,400.00 X 1.5% X 12/366 X 22 ehl;fs; (nrg;lk;gu; 02; – xf;Nlhgu; 23) = &.112.52 (nuhf;f Kw;gzk;)

(d) &.175,000.00 X 1.5% X 12/366 X 22 ehl;fs; (nrg;lk;gu; 02 – xf;Nlhgu; 23) = &.1>893.44 (nfhs;tdTfs; + xf;Nlhgh; 01,y; ,Ue;jthW Muk;g kPjp)

tl;bf; $W 2 = (c + d) &.2>005.96

Kjy; nfhLg;gdT nrg;lk;gu; 24,y; nrYj;jg;gl;l gpd;> mLj;j tpguf;$w;Wj; jpfjp tiuahd

fhyj;jpw;Fhpa tl;bf; fzpg;gPL:

(e) &.550.00 (Rs.10,550.00 - &.10,000.00) X 1.5% X 12/366 X 9 ehl;fs; (nrg;lk;gu; 24 – xf;Nlhgu; 01) = &.2.43 (nuhf;f Kw;gzk;)

(f) &.175,000.00 x 1.5% X 12/366 X 9 ehl;fs; (nrg;lk;gu; 24 – xf;Nlhgu; 01 = &.774.59 (nfhs;tdTfs; + nrg;lk;gu; 01,y; ,Ue;jthW Muk;g kPjp)

tl;bf; $W 3 = (e + f) &.777.02

nkhj;j tl;b = tl;b 1 + tl;b 2 + tl;b 3 + jhkjf; fl;lzk; &.1>200.00

= &279.16 + &.2>005.96 + &.777.02 + &.1>200.00 (jhkjf; fl;lzk;) = &.4>262.14

11

fpnwbl; fhh;l; nfhLg;gdTf; fhyf;nfL Neuq;fs ;

fpisf; nfhLg;gdTfs;

fhyf;nfL GJg;gpf;Fk; Neuk;

fhNrhiy itg;G* gp.g. 2.00 (Ntiy ehs;) NjwpaJk; gzk; gp.g. 3.00 (Ntiy ehs;) cldbahf**

<]p Ng / EB epiyak; fhNrhiy* gzk; GJg;gpf;Fk; Neuk; fhyp fpisfs; gp.g. 3.00 gp.g. 3.00 K.g. 7.30 (mLj;j Ntiy ehs;)

fz;b fpis gp.g. 3.00 gp.g. 3.00 K.g. 7.30 (mLj;j Ntiy ehs;)

aho;g;ghzk; fpis gp.g. 3.00 gp.g. 3.00 K.g. 7.30 (mLj;j Ntiy ehs;)

Vida rfy fpisfSk; gp.g. 2.00 gp.g. 3.00 K.g. 7.30 (mLj;j Ntiy ehs;)

Fpis mYtyfj;jpy; ,y;yhj EASYPAY/ATM

12 es;sputpy; Kd;

12 es;spuT K.g. 7.30 ,uz;lhtJ Ntiy ehs

etk; khtj;ij kw;Wk; ESQ gp.g. 2.00 gp.g. 3.00 K.g. 7.30 (mLj;j Ntiy ehs;)

nfh`{tiy gp.g. 2.30 gp.g. 2.30 K.g. 7.30 (mLj;j Ntiy ehs;)

*fhNrhiyfs; Njwpa gpd;Ng nfhLg;gdTfs; cq;fs; fpnwbl; fhh;l; fzf;fpy; tuT itf;fg;gLk;.

thu ehl;fs; kw;Wk; tq;fp tpLKiw jpdq;fspy; <]p Ng ,ae;jpuq;fs; %yk; fpnwbl; fhh;l;fSf;Fr;

nrYj;jg;gLk; gzf; nfhLg;gdTfs;> mLj;j Ntiy ehspy; tuT itf;fg;gLtJld; mLj;j Ntiy ehs;

K.g. 7.30f;F gzk; fpilf;ff;$bajhf ,Uf;Fk;.

jd;dpaf;f topfs; fhyf;nfL GJg;gpf;Fk; Neuk; ,izaj;js tq;fpr; Nrit / njhiyNgrp tq;fpr; Nrit ATM ghpkhw;wq;fs; HSBC fld; ml;ilf;fhd CEFTS nfhLg;gdTfs;

gp.g. 5..30 cldbahf** cldbahf**

K.g. 7.30 (mLj;j Ntiy ehs;) cldbahf** cldbahf**

(**tUkjpj; jpfjpfspy; gp.g. 6.30) Vida topfs; fhyf;nfL GJg;gpf;Fk; Neuk; Njrpa Nrkpg;G tq;fp gp.g. 3..00 K.g. 7.30 (mLj;j Ntiy ehs;) fhh;fpy;];/fPy;];/ (Rg;gh; Nf filfs; jtpu) mghd;]; / rpq;fh; nkfh fhl;rpaiwfs; / Mh;gpNfh Rg;gh; nrd;lh;fs;

gp.g. 4..00

K.g. 7.30 (mLj;j Ntiy ehs;)

12

fpnwbl; fhh;l; tpguf;$w;wpd; mikg;G

1. ngah; kw;Wk; tpguf;$w;Wf; fhyk;: cq;fs; fpnwbl; fhh;l; ngaiuAk; fhyg;gFjpiaAk; ,J fhl;LfpwJ.

2. gl;bay; jpfjp: ,J nfhLf;fy; thq;fy;fs; cq;fs; fhh;l; fzf;fpy; gl;bayplg;gLk; jpfjp.

3. nfhLf;fy; thq;fy; jpfjp: ,J cq;fs; fpnwbl; fhh;l; %yk; nfhLf;fy; thq;fy; nra;ag;gl;l jpfjp.

4. tpghpg;G: cq;fs; fpnwbl; fhh;l; %ykhd rfy nfhLf;fy; thq;fy;fSk; ,q;F gl;bayplg;gLk

5. njhif: nfhs;tdT> nuhf;f Kw;gzk;> kPjp khw;wk;> khjhe;jj; jtiz> ngwg;gl;l nfhLg;gdTfs;

kw;Wk; Vida mwtPLfs; xt;nthd;wpdJk; nfhLf;fy; thq;fy; njhiffs; ,q;F gl;bayplg;gLk;.

6. fpnwbl; fhh;l; ,yf;fk;: ,J cq;fs; fpnwbl; fhh;l; ,yf;fk;. nfhLg;gdTfisr; nra;Ak;NghJk;

vk;Kldhd VNjDk; fbjj; njhlh;gpd;NghJk; ,e;j ,yf;fj;ijf; Fwpg;gplTk;.

7. nkhj;j tUkjp: ,J tpguf;$w;Wf; fhyg;gFjpf;fhd nkhj;j epYit kPjp.

8. jtizj; jpl;lk;: cq;fs; fpnwbl; fhh;l;bd; fPo; jw;NghJs;s jtizj; jpl;lj; njhiffisAk;

xt;nthU jpl;lj;jpYkhd epYit kPjpfisAk; ,J fhl;Lk;.

9. hpNthl;]; RUf;fk;: filrp tpguf;$w;Wj; jpfjp tiu cq;fshy; rk;ghjpf;fg;gl;L kPl;fg;gl;l hpNthl;];

Gs;spfis ,J fhl;LfpwJ. tq;fpapdhy; toq;fg;gLk; jfty; hpNthl;]; Gs;spfs; njhlh;ghdJ.

10. fzf;Fr; RUf;fk;: tpguf;$w;Wj; jpfjpapy; ,Ue;jthW Kd;ida tpguf;$w;W kPjp> nfhLg;gdTfs; kw;Wk;

tuTfs;> nfhs;tdTfs; kw;Wk; gw;Wf;fs; vd;gtw;iw cs;slf;fpa nkhj;jf; fzf;F kPjp kw;Wk;

epYitahfTs;s jtizj; njhiffis ,J fhl;Lfpd;wJ.

11. nfhLg;gdT nrYj;j Ntz;ba jpfjp: tpguf;$w;Wf; fhyg;gFjpf;fhfr; nrYj;jg;gl Ntz;ba g+uz

my;yJ Fiwe;jgl;r njhif (4%) ,j; jpfjpapy; my;yJ mjw;F Kd; Nkw;nfhs;sg;gl Ntz;Lk;.

12. jw;NghJ nrYj;j Ntz;baJ: ePq;fs; jw;NghJ nrYj;j Ntz;ba njhifapy; (4%).

13. nrYj;j Ntz;ba cr;rtuk;G kPwy; njhif: mq;fPfhpf;fg;gl;l cr;rtuk;gpw;F (,Ug;gpd;) Nkyjpfkhfg;

gad;gLj;jpa njhifia ,J fhl;LfpwJ.

14. Kd;ida epYitj; njhif: chpa jpfjpapy; nrYj;jg;glhj fhh;l; nfhLg;gdit (,Ug;gpd;) ,J

fhl;LfpwJ.

15. Fiwe;jgl;r nfhLg;gdT: ePq;fs; jw;NghJ nrYj;j nkhj;j Ntz;ba nkhj;jj; njhif> cr;rtuk;G

kPwy; njhif / Kd;ida epYit (,Ug;gpd;) vd;gtw;iw ,J cs;slf;Fk;.

16. fld; cr;rtuk;G kw;Wk; tl;b tPjq;fs;: cq;fs; jw;Nghja fld; / gz cr;rtuk;G> fpilf;Fk; fld;

vt;iy> cq;fs; fpnwbl; fhh;l;bw;Fhpa tl;b tPjq;fs; vd;gd ,jpy; gl;bayplg;gLk;.

17. re;ijg;gLj;jy; Cf;Ftpg;Gj; jpl;lq;fs; gw;wpa jfty;fs;: elg;gpYs;s re;ijg;gLj;jy; Cf;Ftpg;Gj;

jpl;lq;fs; gw;wp tq;fp toq;Fk; jfty;fs;.

18. cq;fs; fpnwbl; fhh;l; fzf;Fg; gw;wpa Gjpa jfty;fs;: cq;fs; fpnwbl; fhh;l;bw;F nfhLg;gditr;

nrYj;Jk;NghJ gad;gLj;jf;$ba cq;fs; fpnwbl; fhh;l; nfhLg;gdTr; rPl;Lj; njhlh;ghf tq;fp toq;Fk;

jfty;fs;.

19. nfhLg;gdTr; rPl;L: cq;fs; fpnwbl; fhh;l;bw;F nfhLg;gditr; nrYj;Jk;NghJ gad;gLj;jf;$ba rPl;L.

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Should you require a translated copy of this document in Sinhala or Tamil languages, please click

https://www.hsbc.lk/credit-cards/useful-links/ or request if from any one of our branches.

fuu f,aLkfha bx.%sis fyda oñ< NdId mßj¾;kfha msgm;a Tng wjYH kï" lreKdlr

https://www.hsbc.lk/credit-cards/useful-links/ fj; msúfikak" ke;skï wmf.a ´kEu YdLdjlska

b,a,d isákak'

,e;j Mtzj;jpd; Mq;fpy> rpq;fs gpujpfs; Njitg;gbd;> jaTnra;J

https://www.hsbc.lk/credit-cards/useful-links/ vd;w vkJ ,izaj;jsj;jpy; gpuNtrpAq;fs;

my;yJ vkJ fpisnahd;wpy; Nfl;Lg; ngWq;fs;.

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CCW/CG/IUCC/2020JUL/TAMIL