Page 1 of 7 15 March 2021

MR J O O'HARE Statement No. 42

120 SOMERSBY ROAD Branch SHEFFIELD CAMBRIDGE ST
NOTTINGHAM Sort Code 11-06-91
NG5 4LT yTSVXXWUxZyVRvQwPT
Account No 60224711
jlEyD7oUiyXtbP:Ygc
kkHVZyPr6xsm:tYnRV
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IBAN GB79 HLFX 1106 9160 2247 11
oSXkVQIpvogkkZ3uA6
zzzzzzzzzzzzzzzzzz BIC HLFXGB21T10
Banking Helpline 0345 720 3040

www.halifax.co.uk

Reward Current Account 15 February 2021 to 15 March 2021

Your Account Arranged Overdraft limit £1,990
Date of previous statement 14 Dec 2020
Balance on 15 Feb 2021 £110.79
Money in £2,581.89
Money out £1,690.81
Balance on 15 Mar 2021 £1,001.87
Arranged overdraft interest £0.00
Reward Payment credited £0.00

Your Interest Rates Fees Explained

To support customers through the impacts of the Coronavirus we have applied a temporary We'll pay you a £2.00 reward each month you use the account
interest free amount on your arranged overdraft from 13th November until 15th February as your main bank account and remain in credit throughout the
2021 - Please visit www.halifax.co.uk/bankaccounts/overdrafts for more information. calendar month. By main bank account we mean an account you
pay in your salary or other credits (min £750.00) and pay out at
Amount of Arranged Overdraft Arranged Overdraft least two different direct debits.
£0.00+ 0.000% per day (0.0% EAR* variable) Other fees for special services are detailed in the Reward
£501.00+ 0.111% per day (49.9% EAR* variable)
Payments and Account Fees leaflet, previously provided.
If switching to us, different rates and fees may apply.
We apply the daily interest rate shown above to your arranged overdraft balance at the end of the day
*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged
over the year based on how often and how much you are overdrawn by, and the effect of compounding it -
charging interest on interest already charged. This interest rate does not include any other fees and charges.

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.
Useful numbers
For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk
Halifax Bank Accounts
0345 720 3040
Keep it safe and secure International +44 1132 42 22 29

• Check your statements. If you see any transactions you’re not • Keep your card and PIN safe. Never give anyone else your Halifax Easycash and
aware of, ring the Bank Account or Savings and Investments card, PIN or password. If you think your card is missing or that Cardcash
number. Find these under the Useful numbers section on this someone knows your PIN or password, call 0800 015 1515
page.
0345 850 5525
immediately.
• Keep your bank statements in a safe place. Dispose of your • Protect yourself online. If you’re an online customer and a Halifax Credit Cards
paper statements safely by shredding and recycling them – don’t victim of online fraud, we guarantee that you won’t lose any
just put them in a bin. money from your account. We’ll always reimburse you in full.
0345 728 3848
Check our website for more information
www.halifax.co.uk/security Mortgages
0345 727 3747
Manage your money
Halifax Personal Loans
• Check your balance at home or abroad. Call our telephone • Use our online budget planner. It will help you to work out
banking service on 0345 720 3040 or visit
0345 724 3444
your monthly outgoings and manage your money. Visit
www.halifax.co.uk/online www.halifax.co.uk/managingyourmoney
Savings and Investments
• Avoid fees. Make sure you have enough money in your account • Transfer money quickly. You can make a same-day CHAPS
the day before money is due to come out. transfer in the UK as long as you have all the beneficiary 0345 726 3646
• Manage your standing orders.You can change the date, frequency account details and send the payment before 1.30pm. To send
and amount of your standing orders online or by ringing the Bank money outside the UK you can send a Telegraphic Transfer. Insurance
Account number. Most companies will also change the date of a Visit www.halifax.co.uk/bankaccounts/ 0345 723 3343
direct debit – just give them a call. receivingandsendingmoney.asp
• The Faster Payments Service is now available. For more • Interest-Free. Some accounts offer an Arranged Overdraft Halifax Share Dealing
information on this please visit subject to application and approval with an Interest-free 0345 722 5525
www.halifax.co.uk/fasterpayments overdraft facility. Please refer to the account terms and
conditions for more information. Lost/Stolen Cards
• 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
0800 015 1515
most suitable form of borrowing for your current needs.
Travel money orders
Using your card to withdraw cash or make a payment in a currency other than pounds 0345 246 0006
• If you use your card to withdraw cash or make a payment in a For more information about
• If you’re planning to travel overseas, we advise you to take a currency other than pounds, the amount is converted to pounds
range of currency options including foreign currency as well as our online service, please visit
on the day it is processed by Visa using the Visa Payment Scheme
your debit and credit card. To help protect you from fraud we exchange rate on the day. You can find the exchange rate by www.halifax.co.uk/aboutonline
always monitor transactions. In some circumstances this might calling 0345 720 3040 (+44 1132 42 22 29 from overseas); If you call
mean we block your cash machine or card transactions in the before the transaction is processed, the rate provided will be an Calls may be recorded and
UK or a foreign country. If this happens, just call us on 0345 720
3040. We’ll ask you a few security questions and unblock your
indication only. You can find more information on our website monitored
about the exchange rates that apply to your transaction to help
card for you. you compare them with other card issuers' rates.
• If you use your savings card to withdraw cash in a currency • If you use your debit card to withdraw cash or to make a payment in a currency other than pounds we’ll charge a
other than pounds we’ll charge a foreign currency transaction foreign currency transaction fee of 2.99% of the value of each transaction. This is a fee for currency conversion.
fee of 2.99% of the value of each transaction. This is a fee for When you use your debit card to make a purchase or other transaction (not cash withdrawal) in a currency other
currency conversion. If you use your savings card to withdraw than pounds, whether in person or by internet or phone, we will also charge a £0.50p foreign currency purchase fee.
cash in a currency other than pounds (at a cash machine) we will We won’t charge a foreign currency purchase fee if you make a payment in euro within the EEA or UK. If you use
also charge a foreign currency cash fee of £1.50. Where you your debit card to withdraw cash in a currency other than pounds (at a cash machine or over the counter) we will
elect to allow the cash machine operator/financial service also charge a foreign currency cash fee of £1.50. Where you elect to allow the cash machine operator/financial
provider to make the conversion to pounds we will only charge service provider to make the conversion to pounds we will only charge a foreign cash fee of £1.50. The provider of
a foreign cash fee of £1.50. The provider of the foreign currency the foreign currency may make a seperate charge for conversion. We won’t charge a foreign currency cash fee or a
may make a separate charge for conversion. We won't charge a foreign cash fee if you withdraw euro within the EEA or UK.
foreign currency cash fee or a foreign cash fee if you withdraw
euro within the EEA or UK

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
Statement No. 39 Sort Code 11-09-88
12 June 2020 Account Number 12184361
Page 3 of 4

Reward Current Account

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
13 May 20 STATEMENT OPENING BALANCE 110.79 OD
14 May 20 FPI M URSAN OVER 200000000597158297 550.00 439.21
15 May 20 DD HALIFAX 05703612 5253030011979259 47.10 392.11
15 May 20 DEB PRODUCT SUPPORT AG CD 2223 3.00 389.11
15 May 20 DEB AMERICAN EXPRESS CD 2223 547.54 158.43 OD
18 May 20 BGC 511968431941-CHB 84.20 74.23 OD
18 May 20 FPI RAZVAN-ALIN LUNGU C FP185EUO0JVBX775B5 30.00 44.23 OD
18 May 20 FPI PAYPAL PPWDL54WJ22243LDT8 10.00 34.23 OD
PPWD100000000KGVIR
19 May 20 FPI ALEXANDRU ILIESCU TV ROMANIA 10.00 24.23 OD
00153425632CMXLGFY
20 May 20 SO D CRISU-TUDORACHE THX 12.00 12.23 OD
20 May 20 DD O2 01448322 GED50337024 37.99 50.22 OD
20 May 20 DD O2 01466149 GED50337035 37.99 88.21 OD
26 May 20 FPI NICOLESCU CB THANKS 24MAY20 12.00 76.21 OD
RP4679963272259500
26 May 20 FPI PAYPAL 25MAY20 PPWDL54WJ22223QVQA 12.00 64.21 OD
PPWD1000000000J9LW
26 May 20 SO HELP TO BUY ISA 0010 200.00 264.21 OD
26 May 20 FPI RUXANDRA URSAN HEY 00153425632CNBWWLS 250.00 14.21 OD
27 May 20 FPI ELENA BOMPA THANKS MAI 12.00 2.21 OD
P757L4OOC7IMBQFR47
27 May 20 DEB NEWDAY LIMITED CD 2223 250.00 252.21 OD
29 May 20 FPI TRANSFERWISE LTD 1 IUNIE 110.64 141.57 OD
TW0000000119631704
01 Jun 20 FPI RAZVAN-ALIN LUNGU CUMPRTURI 31MAY20 30.00 111.57 OD
FP185E92YVLYT880R8
01 Jun 20 FPI PAYPAL 31MAY20 PPWDL54WJ22224AUZL 11.35 100.22 OD
PPWD1000000000PKVT
01 Jun 20 DD DVLA-CRZ2580 01340826 000000000039626040 21.00 121.22 OD
01 Jun 20 DD DVLA-DRZ2352 16688148 000000000036984954 26.25 147.47 OD
02 Jun 20 FPI ADASCA C CURENT LUNA RP4650685216923900 12.00 135.47 OD
03 Jun 20 FPI PAYPAL PPWDL54WJ22242EM8G 12.00 123.47 OD
PPWD100000000K3M1Z
04 Jun 20 DD EMAC LTD 02204960 SPLAN KM127 14.16 137.63 OD
04 Jun 20 FPI L GEORGESCU IUNIE 400000000612262324 10.00 127.63 OD
05 Jun 20 FPI PAYPAL PPWDL54WJ22242KHFY 13.00 114.63 OD
PPWD100000000K5BRZ
05 Jun 20 FPI O ONITA IUNIE 500000000608029789 10.00 104.63 OD
05 Jun 20 CPT LNK SAINSBURYS BAN CD 2223 05JUN20 20.00 124.63 OD
(Continued on next page)
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. 39 Sort Code 11-09-88
12 June 2020 Account Number 12184361
Page 4 of 4

Reward Current Account

Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
05 Jun 20 FPI M BARBU 100000000606671982 13.50 111.13 OD
08 Jun 20 FPI FRATILA MARIAN PLAYHOUSE 07JUN20 30.00 81.13 OD
FP20159O06733636
08 Jun 20 DD PC/MARMALADE INS 06304760 112.66 193.79 OD
04ADTK1852/010/104
09 Jun 20 FPI RAZVAN-ALIN LUNGU BEREA +LAPTELE 26.00 167.79 OD
FP185FJ0MFSC0966F6
09 Jun 20 DEB LIDL 0981 BALLYMEN CD 2223 9.69 177.48 OD
10 Jun 20 BGC SECURITAS SECURITY 1,311.20 1,133.72
10 Jun 20 DD METLIFE INSURANCE 02165778 MAH270526 30.00 1,103.72
10 Jun 20 FPI D MOCANU LUNA IUNIE 300000000613315959 10.00 1,113.72
11 Jun 20 DEB AMERICAN EXPRESS CD 2223 1,244.99 131.27 OD
12 Jun 20 DD TALKTALK LIMITED 03292405 1010848012 24.95 156.22 OD
7732997
12 Jun 20 DEB WWW.AMERICANEXPRES CD 2223 63.49 219.71 OD
12 Jun 20 STATEMENT CLOSING BALANCE 2,690.81 2,581.89 219.71 OD
Payment types:
FPI - Faster Payment DEB - Debit Card SO - Standing Order CPT - Cashpoint
DD - Direct Debit BGC - Bank Giro Credit

Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.
Ways to manage your arranged overdraft.
No matter what current account you have, we have several features to help you manage your money.
Mobile and Internet Banking - You can access Internet and mobile banking 24 hours a day 7 days a week. By making use of Internet
Banking you can track your money, make payments and transfers and see your statements.
Alerts - We can also send you mobile alerts. Alerts can help you manage your money and avoid charges. They remind you when
you need to pay cleared funds into your account. They can also help you avoid going into an unarranged overdraft or having
payments refused. Unless you’ve opted out, you’ll automatically receive alerts provided we have an up to date mobile number for
you.
To find out more visit www.halifax.co.uk/alerts
Calculating the cost - If you have an arranged overdraft with us, would like to increase the limit on an existing one, or are thinking
of applying for an arranged overdraft, you can calculate the cost using our cost calculator tool at www.halifax.co.uk/overdrafts
You can also find general information about the cost of arranged overdrafts at www.halifax.co.uk/overdrafts
Keeping track of your borrowing - An overdraft is there to help out when you need to borrow in the short term. But if you use it
often and don’t reduce your balance, you could pay more in charges than other forms of borrowing.
You should consider if an arranged overdraft facility is the most suitable option for you to borrow money. If you would like to
discuss potential alternative options that we may be able to provide please contact us on 0345 720 3040. You can see our range of
borrowing options at www.halifax.co.uk/borrow
You should also consider whether your account type is still right for you.

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.