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28 January 2019

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Statement No. Branch Sort Code Account No Banking Helpline

MR E J KENNAWAY 56 MORING ROAD TOOTING LONDON SW17 8DL

57 CLAPHAM JUNCTION 11-01-92 00600206 0345 720 3040 www.halifax.co.uk

00000 3928/1/136569

Student Current Account

10 January 2019 to 28 January 2019

Your Account Date of previous statement Balance on 10 Jan 2019 Money in Money out Balance on 28 Jan 2019 Credit interest

Arranged Overdraft limit £200 09 January 2019

Type of Fee Debit card fee

£117.17 £2,146.77 £1,770.54

Quantity 4 4

Total fees

Total £2.44 £2.44

The fees detailed above have been paid during this statement period. The fees paid in this statement period are highlighted in the 'Fees Explained' section and on the reverse.

£493.40 £0.00

Your Interest Rates

Fees Explained

Daily arranged overdraft fee - We may charge a daily arranged overdraft fee on our Arranged Overdrafts, unless your balance is within any daily arranged overdraft fee free amount. We AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and calculate the daily arranged overdraft fee that applies to your use of an overdraft at the end of that day, everyday, including compounded once each year. weekends and bank holidays. The daily arranged overdraft fee is From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically 1p per day for every full £7.00 borrowed. from your interest. Depending on your personal circumstances tax may be due on the interest and it is your Other fees for special services are detailed in your account responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC). terms and conditions, previously provided. We will give you at least 14 days notice before we take any Overdraft fees or interest out of your account. If switching to us, different rates and fees may apply. Interest rates and fees are detailed as at the date of this statement. Balances of £1.00+

AER%

Gross p.a.%

0.10

0.10

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Statement No. 57 28 January 2019 Page 2 of 4

Sort Code Account Number

11-01-92 00600206

Student Current Account

Your Transactions Date

Pmnt Type

Details

Money Out (£)

Money In (£)

09 Jan 19

STATEMENT OPENING BALANCE WE BROUGHT BEER LT CD 6364 LONDIES 48084 CD 6364 BFI BOX OFFICE CD 6364 TFL TRAVEL CH CD 6364 MARKS&SPENCER PLC CD 6364 YORKIES GYM CD 6364 TESCO STORES 5560 CD 6364 BANH BAO BROTHERS CD 6364 FERNANDO'S STUDIO CD 6364 WASABI WARDOUR STR CD 6364 TFL TRAVEL CH CD 6364 TFL TRAVEL CH CD 6364 THE POST OFFICE CD 6364 OXFAM F4687 CD 6364 IZ *We Brought Bee CD 6364 SUPERDRUG STORES P CD 6364 THE WHEATSHEAF CD 6364 IZ *MILK LONDON LT CD 6364 BONE DADDIES CD 6364 E KENNAWAY 12JAN19 116414 06256861 E KENNAWAY 116414 06256861 GAILS - FULHAM ROA CD 6364 TFL TRAVEL CH CD 6364 ROWANS TEN PIN BWL CD 6364 YORKIES GYM CD 6364 ROWANS TEN PIN BWL CD 6364 STANFIELD DRY CLEA CD 6364 IZ *CLOUDWATER BRE CD 6364 IZ *THE COFFEE RUN CD 6364 TFL TRAVEL CH CD 6364 MARQUIS OF WELLING CD 6364 MARQUIS OF WELLING CD 6364 MARQUIS OF WELLING CD 6364 IZ *CLOUDWATER BRE CD 6364 CHEZ BRUCE CD 6364 PAYPAL *UBER BV CD 6364 APPLEGREEN KENNING CD 6364 E KENNAWAY 116414 06256861 EDWARD KENNAWAY 300000000431346987 15JAN19 15:12 (Continued on next page) 10 Jan 19 10 Jan 19 10 Jan 19 10 Jan 19 10 Jan 19 10 Jan 19 10 Jan 19 10 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 11 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 14 Jan 19 15 Jan 19 15 Jan 19

DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB TFR TFR DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB DEB TFR FPO

Balance (£) 117.17

15.70 2.78 3.00 5.60 5.77 6.00 11.81 18.28 1.10 1.80 2.80 2.80 3.45 3.98 6.20 7.99 12.40 13.20 22.00 200.00 500.00 3.30 5.70 6.00 6.00 10.20 18.25 4.00 4.10 4.30 5.40 5.40 10.80 12.00 160.00 6.81 32.05 300.00 500.00

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

101.47 98.69 95.69 90.09 84.32 78.32 66.51 48.23 47.13 45.33 42.53 39.73 36.28 32.30 26.10 18.11 5.71 7.49 OD 29.49 OD 170.51 670.51 667.21 661.51 655.51 649.51 639.31 621.06 617.06 612.96 608.66 603.26 597.86 587.06 575.06 415.06 408.25 376.20 676.20 176.20

Statement No. 57 28 January 2019 Page 3 of 4

Sort Code Account Number

11-01-92 00600206

Student Current Account

Your Transactions Date 15 Jan 19 15 Jan 19

Pmnt Type TFR FPO

15 Jan 19 15 Jan 19 15 Jan 19 15 Jan 19 15 Jan 19 16 Jan 19 16 Jan 19 16 Jan 19

DEB DEB DEB DEB DEB DEB DEB DEB

16 Jan 19 16 Jan 19 18 Jan 19

DEB DEB DEB

18 Jan 19 18 Jan 19 22 Jan 19 22 Jan 19 22 Jan 19 23 Jan 19 23 Jan 19 25 Jan 19 28 Jan 19 28 Jan 19

DEB DEB DEB DEB DEB DEB DEB BGC DD

Details E KENNAWAY 116414 06256861 EDWARD KENNAWAY 300000000431358585 15JAN19 15:54 GAILS - BALHAM CD 6364 TFL TRAVEL CH CD 6364 GAILS - BALHAM CD 6364 SAINSBURYS S/MKTS CD 6364 TRAVEL INSURANCE CD 6364 BOOTS 2000 CD 6364 PAYPAL *UBER BV CD 6364 GUATEGO GT 56.25 VISAXR 1.26689 CD 6364 NON-GBP TRANS FEE 2.99% CD 6364 NON-GBP PURCH FEE CD 6364 NORWEGIAN LONG HAU GB 05.50 VISAXR 1.28205 CD 6364 NON-GBP TRANS FEE 2.99% CD 6364 NON-GBP PURCH FEE CD 6364 PAYPAL *UBER BV CD 6364 PAYPAL *UBER BV CD 6364 PAYPAL *BILLYBROOK CD 6364 Kindle Svcs*MB1T65 CD 6364 PAYPAL *CLOUDWATER CD 6364 SAVILLS UK LIMIT MEDECINS SANS FRON 08180265 V1379496/01/16 STATEMENT CLOSING BALANCE

Money Out (£)

Money In (£)

Balance (£)

500.00

676.20 176.20

500.00 1.80 3.20 3.50 4.35 201.44 3.18 7.47 44.40

174.40 171.20 167.70 163.35 38.09 OD 41.27 OD 48.74 OD 93.14 OD

1.32 0.50 4.29

94.46 OD 94.96 OD 99.25 OD

0.12 0.50 2.02 3.02 12.00 6.47 24.99

99.37 OD 99.87 OD 101.89 OD 104.91 OD 116.91 OD 123.38 OD 148.37 OD 498.40 493.40 493.40

646.77 5.00 1,770.54

2,146.77

Payment type: DEB - Debit Card TFR - Transfer FPO - Faster Payment BGC - Bank Giro Credit DD - Direct Debit

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Managing your account Important information about compensation arrangements Deposits held with us are covered by the Financial Services Compensation Scheme (FSCS). 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

Keep it safe and secure

Useful numbers

• Check your statements. If you see any transactions you’re not aware of, ring the Bank Account or Savings and Investments number. Find these under the Useful numbers section on this page.

• Keep your card and PIN safe. Never give anyone else your card, PIN or password. If you think your card is missing or that someone knows your PIN or password, call 0800 015 1515 immediately.

Halifax Bank Accounts 0345 720 3040 International +44 1132 42 22 29

• Keep your bank statements in a safe place. Dispose of your paper statements safely by shredding and recycling them – don’t just put them in a bin.

• Protect yourself online. If you’re an online customer and a victim of online fraud, we guarantee that you won’t lose any money from your account. We’ll always reimburse you in full. Check our website for more information www.halifax.co.uk/security

Halifax Easycash and Cardcash 0345 850 5525 Halifax Credit Cards 0345 728 3848

Manage your money • Check your balance at home or abroad. Call our telephone banking service on 0345 720 3040 or visit www.halifax.co.uk/online

• Use our online budget planner. It will help you to work out your monthly outgoings and manage your money. Visit www.halifax.co.uk/managingyourmoney

• Avoid fees. Make sure you have enough money in your account the day before money is due to come out.

• Transfer money quickly. You can make a same-day CHAPS transfer in the UK as long as you have all the beneficiary account details and send the payment before 1.30pm. To send • Manage your standing orders.You can change the date, frequency money outside the UK you can send a Telegraphic Transfer. and amount of your standing orders online or by ringing the Bank Visit www.halifax.co.uk/bankaccounts/ Account number. Most companies will also change the date of a receivingandsendingmoney.asp direct debit – just give them a call. • The Faster Payments Service is now available. For more information on this please visit www.halifax.co.uk/fasterpayments

• Fee-Free. Some accounts offer an Arranged Overdraft subject to application and approval with a fee-free overdraft facility. Please refer to the account terms and conditions for more information.

• Please Note. We can end or vary the terms of our current accounts and overdrafts (including any interest rates and charges) at any time in the way set out in the Bank Account Terms and Conditions. We recommend that you continually assess whether an overdraft is the most suitable form of borrowing for your current needs.

Using your card to withdraw cash or make a payment in a currency other than pounds • If you use your card to withdraw cash or make a payment in a currency other than pounds, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate on the day. You can find the exchange rate by calling 0345 720 3040 (+44 1132 42 22 29 from overseas); If you call before the transaction is processed, the rate provided will be an indication only.

• If you use your savings card to withdraw cash in a currency other than pounds we’ll charge a foreign currency transaction fee of 2.99% of the value of each transaction. If you use your savings card to withdraw cash in a currency other than pounds (at a cash machine) we will also charge a foreign currency cash fee of £1.50. Where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds we will only charge a foreign currency cash fee of £1.50. The provider of the foreign currency may make a separate charge for conversion.

• If you use your debit card to withdraw cash or to make a payment in a currency other than pounds we’ll charge a foreign currency transaction fee of 2.99% of the value of each • If you’re planning to travel overseas, we advise you to take a transaction. When you use your debit card to make a purchase range of currency options including foreign currency as well as or other transaction (not cash withdrawal) in a currency other your debit and credit card. To help protect you from fraud we than pounds, whether in person or by internet or phone, we will always monitor transactions. In some circumstances this might also charge a £0.50p foreign currency purchase fee. If you use mean we block your cash machine or card transactions in the UK your debit card to withdraw cash in a currency other than or a foreign country. If this happens, just call us on 0345 720 3040. pounds (at a cash machine or over the counter) we will also We’ll ask you a few security questions and unblock your card for charge a foreign currency cash fee of £1.50. Where you elect to you. allow the cash machine operator/financial service provider to make the conversion to pounds we will only charge a foreign cash fee of £1.50. The provider of the foreign currency may make a separate charge for conversion.

Mortgages 0345 727 3747 Halifax Personal Loans 0345 724 3444 Savings and Investments 0345 726 3646 Insurance 0345 723 3343 Halifax Share Dealing 0345 722 5525 Lost/Stolen Cards 0800 015 1515 Travel money orders 0345 246 0006 For more information about our online service, please visit www.halifax.co.uk/aboutonlin e Calls may be recorded and monitored

Switching to us Switching your main bank account to us is easy. Simply sign two forms and you’ll be introduced to one of our dedicated switching team who will be happy to help. They’ll transfer any direct debits, standing orders and any credits to your new account. They’ll keep you updated every step of the way, and contact you as soon as the transfer is complete.

Important information about your account If you have an Ultimate Reward Current Account, the insurance packages are monthly contracts and are provided as a benefit of you being an Ultimate Reward Current Account holder. The cost is an inclusive part of your standard monthly maintaining the account fee. We recommend that you review the cover provided every year to ensure it continues to meet your needs. Full details of the cover provided, including contact details, are contained in the Getting Started Guide provided to you at the start of your cover. If you or Halifax close your account, or Halifax terminates the cover provided through the programme, cover will cease immediately unless you’re moving from one qualifying account to another. If you have lost your Getting Started Guide, please go into your local branch where a colleague will order you a replacement. Alternatively contact us on 0345 720 3040 where you’ll be able to ask for a further copy. Halifax does not charge for providing the online banking facility. The cost of your online connection depends on your internet service provider. If we have a valid reason, we can choose not to charge a fee you would otherwise have to pay. If you do not wish to receive marketing mailings, please write to the Registered Office below.

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 us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman. Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk