The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Interest Rates	Introductory Rate	Monthly Rate	Effective Annual Rate
Purchases	N/A	0.790%	9.9%
Balance Transfers	N/A	0.790%	9.9%
Cash Advances	N/A	2.075%	27.9%

Interest-Free Period

• Maximum 59 days for purchases if you pay your balance in full and on time
• There is no interest free period for cash advances or balance transfers

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Interest Charging Information

You will not pay interest on new purchases if you pay your statement balance in full and on time. Otherwise, the period over which interest is charged is as follows:

*If you pay the balance in full, the interest charge for the period from the previous statement to the date of full payment will be debited the following month. If you default in the introductory period you will lose the benefit of any Introductory Rate and your account will incur interest at the Monthly / Annual Rate for the relevant balance. For further details please refer to your credit card terms and conditions.

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Allocation of Payments

If you do not repay the entire balance on your account we will apply the amount you pay to the outstanding balance starting with those items to which the highest rate applies. For further details please refer to your credit card terms and conditions.

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Minimum Repayment

The minimum payment is an amount equal to the greater of:

• all interest and default fees added to your account that month together with 1% of the remaining balance on your account, or
• £5 (or the statement balance if it is less than £5)

Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.

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Credit Limit

Minimum Credit Limit - £500.00

Maximum Credit Limit - Subject to status

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Fees

No annual fee

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Charges

Cash advances / Cash Fee - 3% (minimum £3.00)

Balance Transfers – 0.00%

Copies of Statements or Vouchers – £5.00

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Foreign Usage

Payment Scheme Exchange Rate - Rates can be found at www.mastercard.com/global/currencyconversion/index.html

One of more of the following may apply:

Non-Sterling transaction fee (Forex) – 0%

Cash fee – 3% (minimum £3.00)

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Default Charges

Late payment or Over limit fees – £12.00

Information correct as at 24th May 2017

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Here’s an example of how it works:

You spend £1,000 on 1st January and make no other transactions

The following example highlights the difference between only paying the minimum and a fixed amount each month on your B credit card.

Please note, the above example assumes the following: Representative 9.9% APR variable.

The transaction takes place on 1st January and you make no further transactions.

Your statement is produced on the 1st of each month. You always make a payment on the due date.