Your credit card account at a glance

Your previous balance £3,146.40

Payments made -£31.46
Spending on your card £1,384.10
Interest and charges £0.00
Senthuran Jeyarajah
10 Brancaster Road Your new balance £4,499.04
Ilford
Essex Available to spend £4,500.96
(Your credit limit: £9,000)
IG2 7ER

Your minimumpayment
£44.99
Your Virgin Credit Card
Paymentdate
5276 6900 3332 1203
statement: 21/10/2018 11/11/2018
MR SENTHURAN JEYARAJAH
Your account number: 5276 6900 3332 1203

Here is your latest credit card statement – you can see a summary of your Minimum payments
account at the top of this page.
If you make only the minimum payment each month, it will
We will collect £44.99 by Direct Debit on 11/11/2018. take you longer and cost you more to clear your balance.

Please note we will still collect your Direct Debit even if you make additional If you only make the minimum payment on your payment date and if there are
payments. no changes to your account or further transactions after the date of this
statement, we estimate the interest that will be applied to your account next
For more information about your transactions and for details about making month will be £0.00.
additional payments please see overleaf. If you have any questions, please call
us on 0800 011 3210. We are here 24 hours a day, 7 days a week. Payments are allocated to balances with the highest rate of interest first. Full
detail of how we allocate payments can be found in the Key facts section.
Thank you for being a Virgin Money customer.

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Getting to know your card
Making a payment

Direct Debit The easiest way to pay is by Direct Debit. To set up, amend or cancel a Direct Debit, simply sign in to Online Service at
myvirginmoney.com or call us on 0800 011 3210. When you first set up a Direct Debit you will need to make sure you continue to
pay your minimum payment as normal, until we let you know it is active. Your Direct Debit will credit your account on your payment
date. Please remember, we will still collect your Direct Debit even if you make additional payments.

Debit card To pay by debit card, simply sign in to Online Service at myvirginmoney.com or call us on 0800 011 3210. You can also register
your debit card with us online, so we can collect your minimum payment automatically when you text ’PAY’ (and the last 4-digits of
your 16-digit credit card number) to 88300. Please make payments at least three business days before your payment date.

Using your bank > Internet or telephone banking – To make a payment you will need our sort code 40-64-25, bank account number 41320424 and
account use your 16-digit credit card number as your payment reference. Please use these details to make sure your payment is received by
us and not delayed. Your payment will usually be applied to your account within two hours of reaching us.
> Over the counter at your branch – Cash payments - If you are planning to pay this way, you will need to complete a Bank Giro
Credit and you should make the payment at least four business days before your payment date. Please note you might be charged a
fee for paying this way. Your payment will be applied to your account on the business day we receive cleared funds.
> Over the counter at your branch – Cheque payments - Your payment will be applied to your account on the business day that
we receive cleared funds. Please note you might be charged a fee for paying this way.

At a Virgin Money > At a Virgin Money Store – Cash payments can be made at some Virgin Money Stores. Simply take your completed Bank Giro
Store or by post Credit to your nearest Virgin Money Store. For cash payments your payments will usually reach us within two hours. Virgin Money
Stores do not accept cheques but these can be sent in via post as detailed below. Check our website for Store opening hours.
> By post – We only accept cheques. Please do not send cash. Please make the cheque payable to Virgin Money plc,
followed by your 16-digit credit card number. Please write your full name and address on the back and send it together with a
completed Bank Giro Credit to: Virgin Money Credit Card, Thynne Street, Bolton, BL11 1BH. If you are planning to pay this way
please post your cheque at least seven business days before your payment is due to make sure it reaches us on time, and can clear
on time. Your payment will be applied to your account on the business day we receive cleared funds.

Manage your account your way

Online Service at Sign in to Online Service at myvirginmoney.com to:

My Virgin Money > View your transactions, balance and statements > Transfer a balance > Make a payment
Manage your account
online, anytime > Set up and manage a Direct Debit > See your PIN securely > Add another cardholder

Text Banking Just let us know your mobile number by calling us on 0800 011 3210*. Once you have told us your number, simply text the keyword
Manage your account and last 4-digits of your 16-digit credit card number e.g. BAL1234 to 88300 for an instant reply.
quickly and conveniently > BAL – for your balance > TRAN – for a list of your most recent transactions
using our text banking > BILL – for the minimum payment due on your account and when it needs to be paid by
service > PAY – to pay your minimum payment with the debit card you have registered with us at myvirginmoney.com
Details sent by text will be based on account information from the previous day and may not include transactions which have been
authorised but not yet applied to your account.
*Calls are charged at your service provider’s prevailing rate and may be monitored and recorded.

Telephone banking Call us on 0800 011 3210 – We are here 24 hours a day, 7 days a week for all enquiries about your card. You can:
Our telephone banking > Check your transactions and balance > Transfer a balance > Make a payment > Change account details
service allows you to > Set up and manage a Direct Debit > Request a PIN reminder > Add another cardholder
run your account with > Lost or stolen cards – If your card is lost or stolen, you can call us 24/7 on 0800 011 3210 or +44 191 284 9005 if you are calling
a quick call from abroad.
A closer look at your transactions
It is important that you review your monthly statement in full each month. If you do not recognise a transaction or the amount shown is
incorrect, please contact us to request a refund within 8 weeks of the amount being applied to your account.

If you have authorised a retailer to charge regular amounts to your account (e.g. annual subscriptions) but want to cancel future payments, you
can contact them directly. We can also cancel these payments for you if you call us on 0800 011 3210. We are here 24 hours a day, 7 days a
week.

It will normally take 3 to 5 business days for a transaction to reach your account, although in some cases, such as those involving transactions
from abroad, this can take longer.

Statement period: 22/09/2018 - 21/10/2018

Balance from your previous statement £3,146.40

Payments made
Transaction date Post date Description Amount
11 Oct 18 11 Oct 18 PAYMENT DD - THANK YOU -£31.46
Total -£31.46

Spending on your card

Transaction date Post date Description Amount

SENTHURAN JEYARAJAH 5276 6900 3332 1203

24 Sep 18 25 Sep 18 Revolut*5823* revolut.com £800.00
18 Oct 18 19 Oct 18 PAYPAL *DSGRETAILLI 35314369001 £584.10
Total £1,384.10

Interest, fees and charges

Transaction date Post date Description Amount
No interest and charges on this statement

Your new balance £4,499.04

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 Key facts about your card section. 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.

If you are unable to make your minimum payment this month, please call us straight away on 0800 011 3210. We are here 24 hours a day, 7
days a week.

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Your interest explained
Promotional interest rates
Transaction type Annual interest Amount Promotional
rate outstanding rate end date

Purchase Balance / Fees 0.00% £4,499.04 07/10/2020

Important information about promotional interest rates

When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction type.
If we do not receive the Minimum Payment when it is due or you go over your credit limit, we will withdraw the promotional rate
with effect from the start of that statement period.

Please note, your promotional interest rates will continue until your first statement produced on or after the date shown in table
above. We will then charge the current standard interest rate that applies to that transaction type.

Standard interest rates (variable)

Transaction type Annual interest Daily interest Amount
rate rate outstanding

Purchases 17.48% 0.0478887% £0.00

Balance Transfers 19.17% 0.0525267% £0.00
Money Transfers 20.84% 0.0570949% £0.00
Cash 24.90% 0.0682240% £0.00
Charges 17.48% 0.0478887% £0.00

How we charge interest

We charge interest on all transactions and related fees, and on any unpaid interest, at the relevant rate for that type of
transaction. The different transaction types are shown in the tables above. We charge interest on other charges and amounts
added to your account, at the standard rate for Card Purchases.

We will not charge interest on Card Purchases and related fees, as long as you pay the full balance shown on your statement by
the payment date. Otherwise, we will charge interest each day on all transactions and related fees, on unpaid interest and on any
other amounts, from the date they are added to your account until you pay them off in full. The total interest charge will increase
the longer you delay making payments.

We add interest to your account on the statement date each month and that interest forms part of your outstanding balance.
New interest builds up on that interest - this is known as compound interest. If the account is not fully cleared, interest will be
charged on the total value of the statement and not just the outstanding balance.

If we apply a default charge, we will send you a notice confirming this. Interest will then be charged on it at the Annual Interest
rate for Card Purchases from the 29th day after you have been provided with the notice, until the default charge is paid in full.

We may offer you promotions. If we offer a promotion, we will tell you the promotional rate and any fees, how long the offer
period lasts for and any other information relevant at the time. If you have a promotional rate on your account, this will be shown
on your statement in the tables above.

If we do not receive the Minimum Payment when it is due or you go over your credit limit, we will withdraw the promotional rate
with effect from the start of that statement period. When a promotional rate ends or is withdrawn, we charge the current
standard interest rate that applies to that transaction.

For more information about how we calculate interest please visit virginmoney.com/faqs

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 Key facts about your card
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 period Maximum 50 days for Card Purchases, if you pay your balance in full and on time each month. Subject to any interest free
promotional offer, there will be no interest free period for Balance Transfers, Money Transfers or Cash Advances.

Interest charging > Card Purchases – You will not pay interest on Card Purchases if you pay your balance in full and on time.
information > All transactions – Subject to any interest free promotional offer, interest will be charged from the date the transaction is
posted to your account, until the transaction is repaid in full.

Allocation of payments We will allocate your payments in the following way:

> We will repay balances with the highest interest rates first, before repaying those with lower interest rates.
> Where we charge interest on multiple promotional balances at the same rate, we will pay off the balances in the order that
the promotional rates expire (for example, a balance with a promotional rate that ends in two months' time will be paid off
before one that ends in six months' time).
> Where promotional rates expire at the same time, we will pay off the balances in the following order: Money Transfers,
Balance Transfers, Card Purchases.
> We will always pay off existing balances that appear on your statement, before any new transactions that you have made,
but are not yet shown on a statement.

Minimum repayment Each month you must pay at least the minimum payment in pounds sterling, shown on your statement. This will be the greater
of:
> £25, or the whole balance shown on your statement if it is less, or
> the interest and any default charges and annual card fee, plus 1% of the remaining balance.

The minimum payment must reach your account after your statement date and by the payment date shown on your statement.
If you receive a refund to your account after your statement date, you must still pay the remaining balance or the minimum
payment. If you pay before your statement date, your balance will be reduced but the payment will not count towards the
minimum payment.

Fees There is an annual card fee of £0.00

Charges The transaction fees below apply to standard interest rate transactions. Fees for promotional interest rate transactions can be
found in the offer details we provide you with.
> Cash Advance transaction fee: 5.00%
> Balance Transfer transaction fee: 5.00%
> Money Transfer transaction fee: 5.00%

We will charge a fee of £4 for each additional copy of your statement.

Other fees may apply for services you can request. We will tell you the fees that apply when you request the service.

Foreign usage One or more of the following will apply:

> Non-sterling transaction fee (for foreign currency transactions): 2.99% of the transaction
> Cash Advance transaction fee: 5.00%

If you carry out a transaction (which includes refunds) using your card in a currency other then pounds sterling, it will be
converted into pounds sterling at an exchange rate on the day the transaction is taken from your account (which may not be
the same day as the date you make your transaction). More information about scheme exchange rates can be found at:
www.mastercard.com/global/currencyconversion. The exchange rate used to convert the transaction will be shown on your
monthly statement.

After the transaction has been converted to pounds sterling, we will add a Non-Sterling Transaction Fee for foreign currency
transactions (as set out in our Tariff). We will also add a Cash Advance Transaction Fee for a Cash Advance made in a
foreign currency (as set out in our Tariff).

Default charges £9 for going over your credit limit, paying late, or for each failed payment. You may be charged more than one of these
charges in any one month.
See section 2 of your credit card agreement for more information.

Complaints Dispute resolution

How to make a If you have a problem with your agreement, please try to resolve it with us in the first instance. If we cannot resolve
complaint the complaint to your satisfaction, you have the right to refer to the Financial Ombudsman Service (FOS), which
provides independent assessment of complaints. 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. You can contact
us on 0800 011 3210. We are here 24 hours a day, 7 days a week.
Alternatively, you may also be able to submit a complaint through the European Online Dispute Resolution (ODR)
platform via ec.europa.eu/odr. You will need the following information about us to use the ODR platform: Our name:
Virgin Money Our email: customerrelations@virginmoney.com Our website: virginmoney.com Phone: 0800 011 3210.

Virgin Money plc - Registered in England and Wales (Company No: 6952311). Registered office – Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. (Financial Services Register No: 503963).

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