SS %%% % 14156 0000804 01386 31 0001Y

MISS JUDITH H WATERS

30 CHANTAL AVENUE
PEN Y FAI BRIDGEND
MID GLAMORGAN
CF31 4NN

Your Amazon.co.uk
Your credit card statement Page 1 of 3
MasterCard account
Transaction Posting Rate Description of Transactions Amount(£)
Date Date Code
number
For details of Rate Code please see Your Rates of Interest section 5407 5811 6356 2942
Statement date
Balance previous statement 49.49
05 Jun 14
08 May 14 09 May 14 AMAZON MKTPLCE EU-UK AMAZON.CO.UK 2.24
13 May 14 14 May 14 AMAZON EU AMAZON.CO.UK 29.32 Available to spend
24 May 14 24 May 14 LATE DEFAULT SUM 12.00 £876.59
28 May 14 29 May 14 AMAZON EU AMAZON.CO.UK 12.99
28 May 14 29 May 14 AMAZON MKTPLCE EU-UK AMAZON.CO.UK 4.09 Current balance
28 May 14 29 May 14 AMAZON EU AMAZON.CO.UK 12.00 £123.41
05 Jun 14 05 Jun 14 INTEREST CHARGED 1.28
Credit limit
New balance this sheet 123.41 £1,000
Continued on next page Payment due date
25 Jun 14
Minimum Payment
YOU HAVE FAILED TO MAKE A MINIMUM PAYMENT £50.00

FAILING TO MAKE YOUR MINIMUM PAYMENT CAN MEAN THAT YOU HAVE BROKEN THE TERMS OF THIS CREDIT
AGREEMENT AND COULD RESULT IN US TAKING LEGAL ACTION AGAINST YOU. IT COULD LEAD TO YOUR HAVING TO PAY
ADDITIONAL COSTS AND MAKE IT MORE DIFFICULT FOR YOU TO OBTAIN CREDIT IN FUTURE.

The payment requested on your last statement has not been received. It is important you pay the amount due today, using one of the
payment methods explained on the reverse of this statement.

Please retain statement - detach here

Date Paid in by bank giro credit

Cashier's stamp and initials

MISS JUDITH H WATERS Account MBNA LIMITED 70328725
30 CHANTAL AVENUE
PEN Y FAI BRIDGEND
Bank Total cash
MBNA 01244 672000

MID GLAMORGAN Co-operative Bank

CF31 4NN Cheques

Ref No. 5407581163562942

£
Items Fee
08-61-30
Sorting Code Number
Please do not mark or write below this line or fold this voucher
Your credit card statement Page 2 of 3

continued
Transaction Posting Rate Description of Transactions Amount(£)
Date Date Code

Balance from previous page 123.41

EST INTEREST-NEXT STATEMENT 1.42
AMAZON.CO.UK POINTS
60.62 POINTS EARNED
.00 POINTS USED
361.48 TOTAL POINTS

Payment is due on your account immediately

Available to spend 876.59

Minimum payment 50.00

Total of Default Sums 12.00

New balance this statement 123.41

If you do not pay off the full amount outstanding, we will allocate your payment to the outstanding balance in a specific order, which is set out in the
Information Table. The way in which payments are allocated can make a significant difference to the amount of interest you will pay until the balance is
cleared completely.

Minimum payments

If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance.

Complaints 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.

Card Services
Thynne Street
Bolton
BL11 1AZ
Your credit card statement Page 3 of 3

continued

This Statement Is Also Your Notice of Default Sums

One or more default sums for late, overlimit or returned payments, is included in this month's statement. Please see the transaction information for details
of your default sum(s) and the total amount of such sums. We are required by the Consumer Credit Act 1974 to issue you with this Notice.

This Notice does not take account of default sums which we have already told you about in another default sum notice, whether or not those sums remain
unpaid.

Interest

We are not entitled to charge you interest on the default sums for the first 28 days after we have given you this notice. However if the sums are not paid in
full by that date interest will be charged at the rate of 1.3133%. Since this interest rate is a variable rate, the rate which we will apply to the default sum
once the 28 days have passed may be different.

Your Rates of Interest

Your payments are not allocated to paying off specific transactions but to reduce balances with the highest rates first before balances at lower rates,
regardless of when the transactions making up those balances were made. The current total balance is at your statement date shown on page 1, and
therefore will not include any account activity after this date. It is made up of any promotional and/or standard rate balances. Balances will include any
applicable handling fees, card fees, non-sterling transaction fees, service charges, default sums and interest.
Standard Monthly Rates

Card Purchases  Balance Transfers

Rate Balance Rate Balance

1.3133% £123.41 1.4566% £0.00
Total £123.41 Total £0.00

Money Transfers/Cheques Cash

Rate Balance Rate Balance
1.5976% £0.00 2.0751% £0.00
Total £0.00 Total £0.00

The standard monthly rate tables detail outstanding balances on your account with the applicable interest rate.
Your current rates are highlighted in bold.
 Card Purchases will include any applicable card fees, service charges and default sums. 2942
 Information Table
The information contained in this table summarises the key product features not displayed elsewhere on the statement and is not intended to replace any terms and conditions.
Interest free Maximum 50 days for card purchases, if you pay your balance in full and on time each month. There is no interest free period on any other type of transaction (see definitions in
period ‘Important Information section below).
Card purchases - If you have paid the balance on this statement and the balance on last months statement in full, you wont see any interest on card purchases on your next
statement.
Interest charging

All other types of transaction - Interest will be charged from the date the transaction is posted to your account.
information

Allocation of We will use your payments to pay balances at higher rates of interest on your statement before items at lower rates of interest. For full details on allocation of
Payments payments, please see clause 4 of your terms and conditions.

Minimum Payment This is calculated in accordance with clause 2 of your terms and conditions. Refunds and credits will not count towards your minimum payment unless they pay off your balance in full.
Card Fees None
Handling fees shown apply to standard interest rate transactions. For promotional interest rate transactions, please refer to the promotional offer materials and/or terms and conditions
for details of handling fees applicable.
Charges Balance Transfer 5.00% Min £5.00 Money Transfer 5.00% Min £5.00
Credit Card Cheque 5.00% Min £5.00 Cash Advances 5.00% Min £5.00
Minimum Interest Charge each statement Min £1.00
Foreign Usage Payment scheme exchange rates can be found at: American Express: Call 0800 096 8679 MasterCard: www.mastercard.com/global/currencyconversion/index.html
Visa: www.visaeurope.com/en/cardholders/exchange_rates.aspx
One or more of the following may apply: Non-sterling transaction fee 2.99% of transaction. Cash fee (handling fee for cash advances) 5.00% handling fee, min £5.00
Default
Charges
£12.00 each time your payment is late, each time a cheque or Direct Debit is returned unpaid and if you are over your credit limit on your statement date.

Useful Information Making a Payment

If the account is not fully cleared, interest will be charged on the total value of the Please make sure that your payment is credited to Non-MBNA Giro Credit slips will not be accepted.
statement and not just on the outstanding balance. your account by the due date. Payment by either cheque and/or cash will
Interest will be charged on a daily basis and interest payments will therefore increase take the same time to reach your account. Please
the longer payment is delayed (even before the monthly payment date).
We have given guidance below as to how long
allow 4 business days before the due date shown.
you should allow for payments to be credited
Payments will be available for you to use at the
Manage your credit card account online: You can register and manage your account
to your account. Your due date may fall on a
start of the business day on which we receive
online by visiting www.bankofamerica.co.uk/amazon - you need your credit card and Saturday, Sunday or Bank Holiday but these are
cleared funds.
latest statement to hand. You can view your balance and statements, make a balance not business days.
By post: Please make your cheque payable
transfer or money transfer, view your PIN online, make payments and much more. Direct Debit: To set up a Direct Debit, visit us to MBNA Limited and write your credit card number
Manage your account from your mobile: Keep up to date with your account using our
atwww.bankofamerica.co.uk/amazon or call
Mobile Text Service. Simply text BAL, BILL or TRANS to 83838 for the latest information 0800 917 5235 and follow the instructions on the on the front of all cheques and your name and
address on the reverse of each cheque. Post
on your account, or send the same text to 07860 010 010 to take advantage of text automated service. Your Direct Debit payment will together with the completed bank giro slip (from the
messages included in your mobile phone plan. Standard network charges may apply. be credited on your payment due date and made bottom of this statement) to Card Services, Thynne
available for you to use from the start of that day. Street, Bolton, BL11 1AZ.
Please remember your regular Direct Debit payment
Should you realise that your card is missing or for any enquiries that cannot be answered will be taken, regardless of any additional payments Please do not send cash or any other
at www.bankofamerica.co.uk/amazon you can call us on 0800 917 5235 . you choose to make. To amend or cancel an existing correspondence to this address, other than your
From abroad: +44 1244 675989. Direct Debit, call us on 0800 917 5235 . balance transfer slip, if applicable. Please allow
Unrecognised transactions: For transactions that you believe to be incorrect, please
5 business days before the due date shown. This
contact the merchant directly. If this does not resolve the issue or you do not recognise
Faster Payments via Telephone/Internet Banking:
If you make a Faster Payment between 8.00am and may take longer if you use 2nd class post, or if the
the transaction, call the transaction disputes team between 9.00am and 5.00pm 4.00pm Monday to Friday, it will be available for post is delayed for any reason. Payments will be
Monday to Friday on 0800 783 7524. you to use within 2 hours of us receiving cleared available for you to use at the start of the business
Continuous Authority or Subscription Transactions: If youve previously authorised funds from your bank. Outside of these hours, or on day on which we receive cleared funds.
a merchant to charge regular amounts to your account (e.g. annual subscriptions or a weekend/bank holiday, your Faster Payment will Providing there are no restrictions on your account,
insurances) but want to cancel future payments, its a good idea to notify the merchant be available for you to use by 10.00am on the next any payment that we receive from you will be made
directly. You can also call us on 0800 7833 944 Monday to Friday, 9:00 to 17:00. business day. available for you to use within 2 hours of receipt by
Well monitor your account for that transaction and refund it if it appears after the date Please contact your bank to take advantage of this us of cleared funds, or earlier, as outlined above.
you told us you no longer wanted it to continue. If you close your account we may not service, you will need (1) your credit card number Please note that although received and available
pay any future amounts, so you should contact the merchant to arrange another means to you, your payment will not be reflected in your
of payment. (2) our bank account: 70328725 (3) our sort
code: 086130. balance and visible on your account until after
Please note: It will normally take 3 to 5 business days for a transaction to reach your
Use the Bank Giro Credit slip at the 9.00pm on that day.
account, although in some cases, such as those involving transactions from abroad, this At a bank:
bottom of this statement. A bank other than the For more information, please see our FAQs online
can take longer. Co-operative Bank may charge a fee. at www.bankofamerica.co.uk/amazon

Important Information
On this statement the following terms have the following meaning: Your Rates of Interest

a transfer to your account of an amount you owe another lender. The interest rate section details:
Balance Transfer:
n The interest rates that are applicable to the transactions on this statement.
Monday–Friday 9am–4pm except bank or other public holidays. n The interest rates that are available to you but which you have not yet used.
Business Day: n The rates that are applicable to your balance but no longer available to use.
Estimated Interest is shown on the front of your statement. This is the interest you will be charged on your next
any payment made from your account (other than a cash statement if you pay the agreed minimum amount and this reaches us on the last day for payment. It is for
advance, money transfer, balance transfer, or credit card
Card Purchase:

cheque), by using a card or card number with or without the PIN, guidance only and will not be accurate for example if you make further transactions, you incur fees, your
for example to pay for goods or services. This includes a promotional interest period ends, your payment due date changes, or your interest rates change.
purchase in a non-sterling currency, returned payments,
insurance premiums and any other sum debited to your account Please note that no promotional offer interest rates will apply during any statement period in which you are over
Withdrawal of Promotional Rates
which is not covered by the conditions in your credit card your credit limit at any time; or at any time from the beginning of a statement period in which you have otherwise
agreement. breached this agreement. If you have breached this agreement, the promotional offer interest rates will not apply
again.
obtaining cash or cash substitute by use of your card including If you are experiencing ongoing financial difficulties in making the minimum payment, please have your account
through an ATM, over the counter, purchase of non-sterling
Cash Advance:

currency or travellers cheques, gambling and electronic number available and phone 0800 783 7556 .
transfers (other than a balance transfer or money transfer). If you no longer wish to receive details of our special offers, please write to NMR Dept, PO Box 1004, Chester
Business Park, Chester CH4 9WW.
2942

a transfer to a UK current account from your account.

CM-AMAZON-04-14-V27

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America, Freepost PO Box 1006, Chester CH4 9FB or telephone us on our usual contact number. write at Bank
Credit Card(s) issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and
regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of
payment services. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations. CP0414_SMP_CMN