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Banking

Current Accounts

Cards

Credit Card

Credit available subject to status to UK residents aged 18 or over.

Premium Club

We are not currently accepting new members for M&S Premium Club. If you are an existing member and need more information on the terms and conditions, please call us on 0345 900 0900. Calls are recorded.

Loans

Personal Loan

To apply for an M&S Loan, you must have an annual income of at least £10,000, be a UK resident and be aged 18 or over.

Travel

Travel Money

Insurance

Important Information

Home Insurance

About Us – Important Information

Whose products are offered?

Only M&S Home Insurance which is underwritten by AXA Insurance UK plc.

What service is provided?

You will not receive any advice or recommendation about M&S Home Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Insurance UK plc registered in England and Wales No. 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD. Their Financial Services registration number is 202312.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint?

If you have a complaint, it should be addressed to the Customer Care helpline on 0800 121 4078.

Alternatively you may write to Head of Customer Relations, M&S Home Insurance, Civic Drive, Ipswich IP1 2AN or email: customercare@axa-insurance.co.uk

Please provide your policy number or claim number in any correspondence. If you are not satisfied you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Get a quote for M&S Home Insurance

Important Documents

Car Insurance

About Us – Important Information

Whose products are offered?

Only M&S Car Insurance administered by BISL Limited. BISL Limited acting as an insurance intermediary who provide insurance products from a range of insurers.

What service is provided?

You will not receive any advice or recommendation about M&S Car Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

BISL Limited are authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Their Financial Services registration number is 308896.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint

If you wish to make a complaint, please contact us, by phone on 0344 858 6877, or in writing to Service Quality & Assessment Manager, Fusion House, Bretton Way, Peterborough, PE3 8BG.

For full details of our complaints handling process please see the section marked 'Our Service Commitment' in your main policy documentation.

We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to this independent body.

Important documents

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Travel Insurance

About Us – Important Information

Whose products are offered?

Only M&S Travel Insurance which is underwritten by AXA Insurance UK plc.

What service is provided?

You will not receive any advice or recommendation about M&S Travel Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Insurance UK plc registered in England and Wales No. 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD. Their Financial Services Registration number is 202312.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint

If you have a complaint, it should be addressed to the Customer Care helpline on 0800 068 3918. Alternatively you may write to Head of Customer Relations, M&S Travel Insurance, Civic Drive, Ipswich, IP1 2AN or email: customercare@axa-insurance.co.uk.

Please provide your policy number or claim number in any correspondence.

If you are not satisfied, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Pet Insurance

About Us – Important Information

Whose products are offered?

Only M&S Pet Insurance which is underwritten by Royal & Sun Alliance Insurance plc.

What service is provided?

You will not receive any advice or recommendation about M&S Pet Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

Royal & Sun Alliance Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Royal & Sun Alliance Insurance plc registered in England and Wales No.93792. Registered Office: St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Their Financial Services registration number is 202323.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint

If you have a complaint you can contact us on 0800 980 8740. Alternatively you may write to us at M&S Pet Insurance, PO Box 15768, Birmingham, B2 2NZ.

Full details of addresses and contact numbers can be found within the Policy Wording. Please provide your policy number or claim number in any correspondence.

We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to the Financial Ombudsman Service.

Making a complaint will not prejudice your right to take legal proceedings.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Get a quote for M&S Pet Insurance

Important Documents

Save & Invest

Savings

Marks and Spencer Unit Trust Funds

M&S Savings and Investments is a trading name of Marks and Spencer Unit Trust Management Limited. Registered in England No. 2253009. Registered office: Kings Meadow, Chester CH99 9FB. Authorised and regulated by the Financial Conduct Authority. A wholly owned subsidiary of HSBC Bank plc. Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under licence. © Marks and Spencer Unit Trust Management Limited 2013. All rights reserved. Marks and Spencer Unit Trust Management Limited is entered in the Financial Services Register. Registration No.141662.

As with any investment where the underlying investments are shares and bonds, the price of units and the income from them can go down as well as up, and you may get back less than the amount originally invested. Investment in the Fund should be considered a medium to long term investment (5 years or more).

Past performance is no guarantee of future performance.

The performance of the Fund will depend on the investments selected by the fund advisers.

If you apply to invest in the Fund following investment advice, you will have the right to cancel your application. If you exercise the right to cancel, the amount returned may be less than the amount you invested if there has been a downward movement in the stock market from the date of investment to the date your instruction to cancel was received.

Inflation will reduce what you could buy in the future.

The regulatory and taxation regime under which the Fund operates may change in the future.

Worldwide Managed Fund

The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.

As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.

Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

A small part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.

UK Selection Portfolio

The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.

The Fund will hold investments in smaller companies where the share prices can change significantly, and the shares can be difficult to buy and sell.

As the Fund may invest in bonds, changes in interest rates may affect the value of any bonds held in the Fund.

If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

UK100 Companies Fund

The Fund invests in shares. Share prices go up or down, meaning you may get back less than you invested.

Although your investment is spread across the 100 companies that make up the FTSE® 100 Index, some companies and/or sectors can grow so large that they make up a large percentage of the index which increases risk.

The Fund will not track the FTSE® 100 Index exactly. In other words there will be a difference between the performance of the Fund and the FTSE® 100 Index.

High Income Fund

The fund invests in bonds. Bond prices go up or down, meaning you may get back less than you invested.

Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.

Part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.

The annual management charge is deducted from capital. This may reduce the potential for growth and there may be times when the charge is greater than the growth of the Fund.

Important documents

Acknowledgements

FTSE® is a trademark of the London Stock Exchange plc and The Financial Times Limited and is used by FTSE® International Limited (FTSE®) under licence. The FTSE® indices are calculated by FTSE® and all rights in and to these indices vest in FTSE® and its licensors. FTSE® does not sponsor, endorse or promote our products.

HSBC World Selection Portfolios

M&S Bank is a trading name of Marks & Spencer Financial Services plc. Registered in England No: 1772585. Registered Office: Kings Meadow, Chester CH99 9FB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. A wholly owned subsidiary of HSBC Bank plc. Marks & Spencer is a registered trademark of Marks and Spencer plc and used under licence. © Marks & Spencer Financial Services plc 2013. All Rights Reserved. Marks & Spencer Financial Services plc is entered in the Financial Services Register. Registration no. 151427. HSBC World Selection Portfolios are provided and managed by HSBC Global Asset Management (UK) Limited.

The price of units and the income from them can go down as well as up, and you may get back less than the amount originally invested. Investment in the Funds should be considered a medium to long term investment (5 years or more).

Past performance is no guarantee of future performance.

The performance of the Fund will depend on the investments selected by the fund advisers.

If you apply to invest in the Funds following investment advice, you will have the right to cancel your application. If you exercise the right to cancel, the amount returned may be less than the amount you invested if there has been a downward movement in the stock market from the date of investment to the date your instruction to cancel was received.

Inflation will reduce what you could buy in the future.

The regulatory and taxation regime under which the Fund operates may change in the future.

Specific risks of the Cautious, Balanced and Dynamic Funds

The Funds will invest in a wide range of investments. This is achieved by the Funds investing primarily into other funds. Below is a summary of the risks posed by the different types of investment held by these underlying funds:

Fixed interest securities (corporate, government or local government bonds) tend to be less unstable than company shares. Changes in interest rates may affect the value of the bonds held in the underlying funds. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

Higher risk bonds (called “sub-investment grade”) produce a higher level of income than lower risk bonds (called “investment grade”) but the risk of default on repayment is higher. This may affect the level of income you receive and/or the capital value of your investment.

Both company shares and fixed interest securities are at risk if the company issuing them becomes insolvent. The Funds may not recover the whole investment relating to this company, and this will affect the return that the individual investors receive.

Emerging markets may involve a greater risk when buying and selling investments, settlement arrangements and the safekeeping of the investments held. Emerging markets are generally, but not exclusively, those that are not within the United States, Canada, Switzerland and members of the European Economic Area, Japan, Australia and New Zealand.

The value of your investment may be affected by changes in currency exchange rates.

The share prices of smaller companies can change significantly, and these shares can be difficult to buy and sell.

Derivative instruments (e.g. futures and options) may involve a high degree of risk. A small movement up or down in the price of the underlying investment may result in an even greater movement up or down in the price of the derivative instrument. There is also the risk of default by the issuer of the instrument, and the instrument may be difficult to buy and sell.

The long-term nature of investment in property and land and the income generated tend to make this type of investment less unstable than shares of companies, although it can be difficult to buy and/or sell the property investments quickly. Commercial and residential property have different risk profiles and returns may not be the same in these markets. The value of property is generally a matter of opinion rather than fact.

Funds with a small number of investments will not be as diversified as a fund investing in a larger number of investments. This means that each investment within the fund may have a more significant effect on its performance.

Hedge funds often borrow money to increase returns and use other speculative investment practices that may increase the risk of losing money. Hedge fund investments can be difficult to buy and sell. They are not required to complete regular fund valuations, publish fund prices, provide timely information to investors, and may involve complex tax structures.

Alternative investments (e.g. private equity investments and hedge funds) held may be difficult to sell in a timely manner at a reasonable price, obtain reliable information about their value, and there may be greater potential for significant price movements up and down.

Private equity investments can be difficult to buy and sell and, unlike company shares listed on the stockmarket, information about the investment is not as visible. It can take a longer time for money to be invested as well as a longer time for investments to produce returns after initial losses.

Commodities may be subject to greater volatility than investments in traditional investment types. They may be affected by disease, climate change and international economic and political developments, which may cause individual commodity prices to rise or fall sharply.

Investment in funds not regulated by the Financial Conduct Authority involves a higher degree of risk.