09012856019482 BX0098

Everyday Current Account

Telephone Banking, enquiries or lost or

MR GHASSAN MOUSA ADAM EISSA stolen cards 0800 9 123 123, open 24
3 FITZWILLIAM STREET hours a day 7 days a week, person to
BELFAST person calls 7am to 11pm Monday to
Saturday
BT9 6AW
To help us maintain and improve our
customer service we may monitor or record
your calls.

%%SSC For the hard of hearing and/or speech

impaired, Text Relay service available 18001
0800 9 123 123
?
Online Banking service and information
available at www.santander.co.uk
Santander, 9 Nelson Street, Bradford, West
Yorkshire, BD1 5AN.
Online, Mobile and Telephone Banking
ID 3398120754 G EISSA

Your account summary for

6th Apr 2017 to 5th May 2017
Account name MR GHASSAN MOUSA ADAM EISSA
Account number: 56019482 Sort Code: 09 01 28 Statement number: 05/2017
BIC: ABBYGB2LXXX IBAN: GB17 ABBY 0901 2856 0194 82
Balance brought forward from 5th Apr Statement -£89.45
Total money in: £988.00
Total money out: -£388.87
News and information
Your balance at close of business 5th May 2017 £509.68 Statement changes
In March, we let you know that we are changing
Interest and charges incurred this period
how often we send paper statements. Please read
Date Why we're charging you Amount the enclosed leaflet for more information.
5th May UNARRANGED OVERDRAFT USAGE FEE -£95.00
If you need to complete a
Total this amount will be deducted from your account on 27th May -£95.00 self-assessment tax return
You have incurred charges. Contact us to talk about tools and information that could help Your Account Summary provides all the
you avoid charges and manage your account. We also have alternative products including information about the interest earned on your
our Choice Current Account which has no unarranged overdraft usage fees. To find out personal savings and current accounts in one
more visit santander.co.uk, call us or visit a branch. place. It’s available through Online Banking – just
Interest and refunds paid this period log in and click on ‘eDocuments’.

Date Why we are paying you Amount Protect yourself against scams
22nd Apr Interest on your credit balance £0.00 It’s essential that you make sure your banking
details stay private and secure. To find out
more visit santander.co.uk/uk/help-
support/security-centre

1. Never share a Santander One Time Passcode

(OTP) with another person, not even a
Santander employee.
2. Never download software onto your
computer following or during a cold call.
3. Never enter your online banking details after
clicking on a link in an email or SMS.

Your Current Account annual summary

Every year, we send you an annual summary of
fees, interest and charges for the previous 12
months. Going forward, you will receive this at
least once a year, usually with your May
statement. Included this month is your annual
summary covering the last 12 months.

BX0098010101_24042017 Continued on reverse....

Page number: 1 of 3
 Account name: MR GHASSAN MOUSA ADAM EISSA
Account number: 56019482 (Sort Code 09 01 28)
Statement number: 05/2017 Page number: 2 of 3
001578983000005350

Important Messages
Important information about compensation arrangements: We are covered by the Financial Services Compensation Scheme (“FSCS”).
The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. The account(s) shown in this statement are
eligible for compensation under the scheme. Santander UK plc is an authorised deposit taker and accepts deposits under this name and the
cahoot and Santander Corporate & Commercial Bank trading names.
Further details can be found in the FSCS Information Sheet and Exclusions List, a copy of which is available in your local Santander branch.

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

For Customers with an Overdraft. 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.
Details of rates and charges can be found in your Interest Rates and Fees Information.
If you need another copy, please call into your local branch or visit www.santander.co.uk. Interest or fees will be calculated daily on any
outstanding overdrawn balance.
Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747.
Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial
Services Register number is 106054. Santander and the flame logo are registered trademarks.

Date Average balance for the month Amount

5th May Average credit balance £258.02
5th May Average debit balance £-53.67

Your transactions 6th Apr 2017 to 5th May 2017

Date Description Money in Money out £ Balance
6th Apr Balance brought forward from previous statement -89.45
24th Apr TRANSFER FROM MOUSA ADAM EISSA CIF: 1392029000. REF: 0015 7898 988.00 898.55
696 0014044
27th Apr UNARRANGED OVERDRAFT USAGE FEE 36.00 862.55
27th Apr PAID TRANSACTION CARD PAYMENT TO CENTRA STRANMILLIS,5.34 GBP, RATE 1.00/GBP 10.00 852.55
ON 27-03-2017
27th Apr PAID TRANSACTION CARD PAYMENT TO WWW.JUST EAT.CO.UK,15.48 GBP, RATE 10.00 842.55
1.00/GBP ON 26-03-2017
27th Apr PAID TRANSACTION DIRECT DEBIT PAYMENT TO QUB TUITION FEES REF 216140131410, 10.00 832.55
MANDATE NO 0008
27th Apr PAID TRANSACTION CARD PAYMENT TO SUBWAY,4.90 GBP, RATE 1.00/GBP ON 10.00 822.55
29-03-2017
27th Apr UNPAID STANDING ORDER 10.00 812.55
28th Apr CARD PAYMENT TO AERLING 2DKX8W EISSA,265.99 GBP, RATE 1.00/GBP ON 25-04-2017 265.99 546.56
1st May CARD PAYMENT TO ONAIR INTERNET SERVICE,5.00 USD, RATE 0.77/GBP ON 27-04-2017 3.99 542.57
NON-STERLING TRANSACTION FEE 0,11/GBP
1st May NON-STERLING PURCHASE FEE 1.25 541.32
2nd May CASH WITHDRAWAL AT ULSTER BANK ATM BEL UNIVERSITY, BELFAST,20.00 GBP , ON 20.00 521.32
01-05-2017
2nd May CARD PAYMENT TO ONAIR INTERNET SERVICE,5.00 USD, RATE 0.77/GBP ON 27-04-2017 3.99 517.33
NON-STERLING TRANSACTION FEE 0,11/GBP
2nd May NON-STERLING PURCHASE FEE 1.25 516.08
4th May CARD PAYMENT TO SUBWAY,6.40 GBP, RATE 1.00/GBP ON 02-05-2017 6.40 509.68
5th May Balance carried forward to next statement: 509.68
 Account name: MR GHASSAN MOUSA ADAM EISSA
Account number: 56019482 (Sort Code 09 01 28)
Statement number: 05/2017 Page number: 3 of 3
001578983000005350

Annual Summary of Interest and Fees

5th Apr 2016 to 4th Apr 2017

Type of interest and fees Credit Number of Amount of
interest charges charges
Interest you have earned £0.00
Cash back you have earned £0.00
Arranged Overdraft Interest 0 £0.00
Unarranged Overdraft Interest 0 £0.00
Paid Transaction Fees 1 £10.00
Unpaid Transaction Fees 0 £0.00
Unarranged Overdraft Usage Fees (monthly) 0 £0.00
Arranged Overdraft Usage Fee (daily)* 0 £0.00
Unarranged Overdraft Usage Fee (daily)* 2 £170.00
Account Fees 0 £0.00
Underfunding Fees 0 £0.00
Overall Total £0.00 3 £180.00
*Total amount of charges is calculated daily and charged once a month. As a result, the total number of charges reflects the number of
months an Arranged or Unarranged Overdraft Usage Fee has been charged.

Your account is an Everyday Current Account, no credit interest is paid on this account.

Fees apply when you use your debit card abroad. These fees are not included in the above annual summary but are as follows:

You will be charged a Non-Sterling transaction fee (of 2.75% of the value) plus a Non-Sterling Purchase Fee (£1.25 per transaction) for making
a purchase.

You will be charged a Non-Sterling transaction fee (of 2.75% of the value) plus a Non-Sterling cash fee of 1.5% of the value (at least £1.99)
for withdrawing money or purchasing travellers cheques.

Non-Sterling transactions are converted to sterling by Visa using the Visa Exchange rate. Visa Exchange rates can be found at
www.visaeurope.com

AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.
The gross rate is the interest rate that we pay where no income tax has been deducted. The net rate is the interest rate we pay after deduction
of income tax at the rate specified by law. Interest payments made on or before 5 April 2016 will be paid net of income tax, unless you've
registered to receive interest gross. Interest payments made on or after 6 April 2016 will be paid using the gross rate. This means all the
interest we pay you will be without tax deducted. If the total amount of interest you receive exceeds any personal savings allowance to which
you’re entitled, you may have to pay tax at the applicable rate. This would need to be paid directly to HMRC. For more information, please visit
gov.uk/hmrc/savingsallowance. We work out interest daily and pay it monthly.

Please note that the level of interest rates and fees may have changed throughout the period of your annual summary. For details of our
previous interest rates and fees (including any non-standard account service fees) please visit www.santander.com or visit your local branch.

For details of our latest rates and fees please see reverse.

Any non-standard account services fees you may have incurred during the year are not included in this summary but can be
found on your monthly statement.
For overdrafts, we will give you at least two months’ personal notice if:
(i) we increase an overdraft fee or introduce a new overdraft fee.
(ii) we increase the interest rate we charge on overdrafts and the interest rate does not track a specified external independent rate.
We do not need to notify you if any overdraft fee or interest rate is reduced.