Personal Current Account Statement

Your deposit is classed as an eligible deposit for the purposes of the Financial Services
Compensation Scheme (FSCS)

One Southampton Row

London WC1B 5HA
T: 0345 08 08 500
metrobankonline.co.uk

ACCOUNT SUMMARY
BIC: MYMBGB2L
MISS J K KIPUTA IBAN: GB34MYMB23058023310848
FLAT 4 Account No: 23310848
7 VIOLET LANE Sort Code: 23-05-80
CROYDON 11
Statement No:
CR0 4HH
Current Statement Period: 01 JAN 2018 - 31 JAN 2018
Opening Balance: £14.94
Total Money In: £6,021.28
Total Money Out: £3,517.20
Closing Balance: £2,519.02

OVERDRAFT INTEREST & CHARGES*

Overdraft Limit: £0.00
Overdraft Rate of Interest**: 14.06% (per annum)
Arranged Overdraft Interest: £0.00
Unarranged Overdraft Interest: £0.00
Unarranged Overdraft Charges: £0.00
Total Interest & Charges: £0.00
Unarranged Overdraft Interest Waived: (£0.00)
Total Interest & Charges Payable***: £0.00
ACCOUNT NAME: MISS J K KIPUTA

Your transactions

DATE TRANSACTION MONEY OUT MONEY IN BALANCE

Balance brought forward 14.94

02 JAN 2018 BACS Payment Received SLC DISBURSEMENTS 3,710.52 3,725.46

17868541458

02 JAN 2018 BACS Payment Received SLC DISBURSEMENTS 2,302.76 6,028.22

17868541535

04 JAN 2018 Cash Withdrawal 2,000.00 4,028.22

09 JAN 2018 Card Purchase 05 JAN 2018 95.00 3,933.22

TK MAXX

CROYDON GBR GBR

09 JAN 2018 Card Purchase 05 JAN 2018 119.98 3,813.24

CURRYS SUPERSTORE

CROYDON GBR GBR

09 JAN 2018 Cash Withdrawal 600.00 3,213.24

*Does not include charges for additional account services, please see the "Important Information Summary" for a full list.
**The rate of interest that applies to overdraft balances. The Overdraft Rate of Interest may vary from time to time giving you not less than two
months written notice. Please refer to section 10 of "Our Service Relationship with Personal Customers" for more information.
***Interest and charges will normally be deducted from your account on the 28th day of the following month. If the 28th is not a banking
weekday, the deduction will occur on the next banking weekday. A 'Banking Weekday' is Monday to Friday, excluding bank or public holidays.
The monthly cap on unarranged overdraft charges for your current account is £60. Further details can be found overleaf.

MBS8C_11295195@00052084 1001
Personal Current Account Statement
Your deposit is classed as an eligible deposit for the purposes of the Financial Services
Compensation Scheme (FSCS)

DATE TRANSACTION MONEY OUT MONEY IN BALANCE

10 JAN 2018 Card Purchase 08 JAN 2018 1.99 3,211.25
MCDONALDS

CROYDON GBR

11 JAN 2018 Card Purchase 09 JAN 2018 14.70 3,196.55

NANDOS CROYDON

CROYDON GBR GBR

12 JAN 2018 Cash Withdrawal 500.00 2,696.55

18 JAN 2018 Card Purchase 16 JAN 2018 5.35 2,691.20

NEW SOUTHERN RAILW

CROYDON 8669 GBR

18 JAN 2018 ATM Cash Withdrawal 18/01/18 09:58:08 50.00 2,641.20

National Westminster Bank CROYDON HIGH ST 4
CROYDON GB
22 JAN 2018 Card Purchase 17 JAN 2018 8.00 2,633.20
TFL.GOV.UK CP

TFL TRAVEL CH GBR

22 JAN 2018 ATM Cash Withdrawal 22/01/18 15:54:24 20.00 2,613.20

Barclays Bank plc CROYDON 6 CROYDON GBR

29 JAN 2018 Card Purchase 25 JAN 2018 3.78 2,609.42

MCDONALDS

CROYDON GBR

29 JAN 2018 Card Purchase 25 JAN 2018 13.53 2,595.89

LIDL UK

CROYDON GBR GBR

29 JAN 2018 Card Purchase 25 JAN 2018 73.92 2,521.97

ZARA CROYDON

CROYDON GBR GBR

30 JAN 2018 Card Purchase 27 JAN 2018 10.95 2,511.02

MCDONALDS

STEPHENSONS P GBR

31 JAN 2018 Card Purchase Refund 17 JAN 2018 8.00 2,519.02

TFL.GOV.UK CP

TFL TRAVEL RE GBR

Closing Balance 2,519.02

MBS8C_11295195@00052084 1001
Personal Current Account Statement
Your deposit is classed as an eligible deposit for the purposes of the Financial Services
Compensation Scheme (FSCS)

Your deposit is classed as an eligible deposit for the purposes of the Financial Services Compensation Scheme (FSCS).

Important Information about compensation arrangements.

Deposits held with us are covered by the Financial Services Compensation Scheme (FSCS), subject to eligibility criteria.
We will provide you with an information sheet and exclusions list every year.

For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk

What is a monthly cap on unarranged overdraft charges ?

1. Each current account will set a monthly maximum charge for:

(a) going overdrawn when you have not arranged an overdraft; or

(b) going over/past your arranged overdraft limit (if you have one).

2. This cap covers any:

(a) interest and fees for going over/past your arranged overdraft limit;
(b) fees for each payment your bank allows despite lack of funds; and
(c) fees for each payment your bank refuses due to lack of funds

When you don’t have enough in your account

If we receive a request for a payment but you don’t have the funds in your account to cover it, we will either:

 Give or extend an unarranged overdraft and make the payment

 Decide not to make the payment

We’ll charge a flat fee of £10 for each payment made and for each payment refused. If deducting interest causes you to go overdrawn or
increases your overdraft, we’ll charge interest on the new balance, but we won’t charge the £10 fee for payments made. Interest will
accrue daily on the overdraft balance (excluding any default sums) and will be applied to your account monthly.

We may introduce new charges under this agreement on giving you not less than two months' written notice. For more information please
see sections 3 and 10 of "Our Service Relationship with Personal Customers".

Queries regarding your statement

Should you have any queries regarding your statement or any transaction on your statement, we will be happy to help. Please call us on
0345 08 08 500 (or +44 20 3402 8312 if you are outside the UK), or visit one of our stores. Calls to 0345 numbers will be charged at your
local rate. Calls may be recorded for training or quality monitoring purposes.

Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in
which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up
your problem with use first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the
Ombudsman.

MBS8C_11295195@00052084 1001