Welcome to your current account statementHere’s a guide to what you’ll see

36743 (March 2017)

Building Society

Here’s an example of your monthly statement, to help show you how it works.

Your transactionsYour monthly transactions are broken down by day, shown by alternate blue and white lines, to make it easier to keep track of your finances.

Unknown transactionsEvery now and again, you might notice a transaction or payment on your account that you’re not entirely sure about. This can often be caused by a supplier having a trading name that is different to the actual shop or company name that you might be more familiar with. For more information on the common trading names, click here.

International paymentsThese are the account details you’ll need if someone is making a payment into your account from outside of the UK.

Arranged overdraftIf you’re eligible and have an arranged overdraft, your limit will be shown here.

How we keep in touchWe think it’s important to keep in touch with you about things which you might find interesting. You can find these messages at the bottom of your statement.

Your statement information boxShows you how much money you have in your account at the start and end of the month. Your average credit and debit balances (money going in and out of your account) help give you an idea of the typical amount of money in your account.

We’re here to helpA little reminder of ways to get in touch with us if you need to.

2017 Balance from statement 190 dated 02/02/2017 -1,943.18

06 Feb Transfer from 070040 50148678 75.00

Effective Date 05 Feb 2017

Transfer to SELECT CREDIT CARD 2.07

Effective Date 05 Feb 2017

Bank Credit MARK MCGRATH 500.00

Effective Date 05 Feb 2017

Direct Debit PAYPAL PAYMENT 11.56

B365 MOTOhase 5.00

WorderyEU Swindon 4.94 -1,391.75

(Recurring Visa Transaction)

07 Feb Direct Debit HLAM REGULAR SAVIN 50.00

Direct Debit HLAM REGULAR SAVIN 50.00

Direct Debit HLAM REGULAR SAVIN 50.00

Contactless Payment 4.00

TESCO STORES 5535 BELFAST

WorderyEU Swindon 5.73 -1,551.48

(Recurring Visa Transaction)

08 Feb B365 STOKE ON TREN 5.00

B365 MOTOhase 5.00

B365 MOTOhase 5.00

TESCO STORES 5131 BELFAST 29.88 -1,586.36

09 Feb Transfer from 0559/124836921 50.00

Effective Date 08 Feb 2017

Bank Credit PSFB 81.00

Amazon UK Marketplace 800-279-6620 14.48 -1,469.84

11 Feb B365 MOTOhase 5.00

Contactless Payment 15.30 -1,490.14

HEAD - BELFAST BELFAST

13 Feb B365 STOKE ON TREN 5.00

Effective Date 12 Feb 2017

Contactless Payment 4.89 -1,490.03

MCDONALDS BELFAST

Arrangedoverdraft limit

£2,000.00

Arranged overdraftinterest rate

1.453%per month

2 March 2017

191 1 of 3

FlexAccount 07-01-16

£-1,943.18

£-1,330.55

Average creditbalance £0.00Average debitbalance £-1,453.03Receiving anInternational Payment?

BIC NAIAGB21

IBAN GB37 NAIA

SwiftIntermediary Bank MIDLGB22

0800 554 0559

Marcus SquareNewry County DownNorthern IrelandBT34 1JB

00000013 0001 of 0003 CLU1

3494990106217N00000000130010030000

3030559

Your FlexAccount transactions

Current AccountStatement

Miss A Sample11A Sample StreetSamplevilleAB12 3CD

00000204085 1 3N00000000010010010000

CAUK

M

Date Description £ Out £ In £ Balance

29-Jul 123456789123456789123456789123456789A 123456789101 123456789101 12345678910AB

29-Jul Tesco Stores MARLBOROUGH 8.99 4,523.80

31-Jul Transfer to VERY 490.21 4,523.80

1-Aug Cash Machine wdl Nationwide 55.00 3,978.59

6-Aug National Lottery inte WATFORD 10.00 3,968.59

7-Aug Apple Itunes Store - GBP ITUNES.COM 1.20 3,967.39

15-Aug Transfer to JOINT 785.00

Waitrose 164 Marlborough 23.14

Cash Machine wdl Nationwide 200.00 2,959.25

16-Aug www.Lovefilm.com VISA 1234567890 8.12 2,951.13

17-Aug Sainsbury’s S/Mkt STRATTON 50.00 75.00

Justgiving.com ONLINE DONATION 50.00 2,826.13

19-Aug Applegreen Oasis WILTSHIRE 69.70 2,756.43

20-Aug Toys R Us SWINDON 3635 49.95

Direct Debit TV LICENCE DDA 145.50

Standing Order NATWEST 500.00 2,060.98

21-Aug Amazon EU AMAZON.CO.UK 23.99 2,036.99

22-Aug Cash Machine wdl Barclays 100.00 1,936.99

24-Aug Mid-Counties Co-op SWINDON 15.60

Direct Debit NATIONWIDE C/CARD 136.50 1,784.89

26-Aug Cash Machine wdl Barclays 100.00 1,936.99

27-Aug Apple Itunes Store - GBP ITUNES.COM 1.20 3,967.39

28-Aug Transfer to JOINT 785.00

Waitrose 164 Marlborough 23.14

Cash Machine wdl Nationwide 200.00 2,959.25

30-Aug www.Lovefilm.com VISA 1234567890 8.12 2,951.13

30-Aug Sainsbury’s S/Mkt STRATTON 50.00 75.00

Justgiving.com ONLINE DONATION 50.00 2,826.13

30-Aug Applegreen Oasis WILTSHIRE 69.70 2,756.43

31-Aug Toys R Us SWINDON 3635 49.95

Direct Debit TV LICENCE DDA 145.50

Justgiving.com ONLINE DONATION 50.00 2,826.13

01-Sep Mid-Counties Co-op SWINDON 21.90 2,734.53

We’re here to helpWe’re happy to help however you choose to contact us.Online nationwide.co.ukPhone 0847 xx xx xxVisit us in branch 11A Sample Street, Sampleville, AB12 3CD

Over your overdraft limit?Take control of your money• Our text alert service lets

you know when you’re near your limit

• Check your balance on thego with our mobile app

• Talkto us about youroverdraft needs by calling08457 xx xx xx

Sort code 00 00 00

Account no 00000000

Start balance £0,000,000.00

End balance £0,000,000.00

Average credit balance £000,000,000.00

Average debit balance £000,000,000.00

Statement date 00 Month Year

Statement no 0 0 of 0

Receiving an International Payment?

BIC: WWWWWW12

IBAN: WWWW WWWW 1234 1234 12

SWIFT Intermediary Bank: WWWWWW12

Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Head Office: Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW

29-Jul Tesco Stores MARLBOROUGH £8.99 £189.00

1-Aug Cash Machine wdl Nationwide £10.00 £179.00

5-Aug Apple itunes Store – GBP ITUNES.COM £1.20 £177.80

12-Aug Cash Machine wdl Nationwide £20.00 £157.80

14-Aug Apple itunes Store – GBP ITUNES.COM £7.20 £150.60

15-Aug Visa New Look 1793 Stroud £12.99 £137.61

15-Aug Costa Coffee Stroud £8.05 £129.56

17-Aug McDonalds Cirencester £7.89 £121.67

21-Aug Bank credit 0000000 £50.00 £171.67

21-Aug Cheque deposit £25.00 £196.67

21-Aug Cheque deposit £70.00 £266.67

25-Aug Transfer to 00000000 £125.00 £141.67

0800 30 20 11

Did you know that you can receive your statements online?For more information and to

stop receiving paper statements

sign on or register at

nationwide.co.uk

If you change your details, such as your correspondence name or address please advise us in writing straight away.Most of the mail you receive from us concerns your money so help us make sure that it’s secure.

Arranged £0,000.00 overdraft limit

Arranged overdraft X.XXX%interest rate per month

Building Society

Your account summary boxThis shows you the rates and charges which apply to your account. To check what rates might apply to your account, have a look at our Rates & Charges leaflet.

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Your FlexAccount Please check your statement to make sure everything's correct. If there's anything you're unsure about please get in touch or if you've changed any of your contact details, you need to let us know.

Interest, Rates and Fees

� Nationwide

We work out overdraft interest each day and take it from your account each month. FlexAccount doesn't currently pay any credit interest. Since 6 April 2016, interest is paid without tax deducted and may count towards your Personal Savings Allowance. For more information please visit HMRC's website at hmrc.gov.uk. Unless stated otherwise, all rates and fees are variable and we can change them at any time. If we have to give you notice of a fee or interest we'll let you know by including a 'Notice of Charges' page with your next regular statement, and we'll take the amount from your account 28 days after the statement date. There's a cap on the amount of overdraft fees you can incur in a calendar month.

Summary box for your FlexAccount

Have you lost or had your card or cheque book stolen? Report it to us straight away on 0800 30 20 11

This information do esn't r eplace your Terms and Conditions

All balances Overdraft Interest

Unpaid transaction fee

Paid transaction fee

Unarranged overdraft buffer

Stopped cheque

Copies of cheques

Copy of paper statements

Counter Draft

UK electronic transfers (CHAPS)

AER X.XX%

Gross p.a. X.XX%

all overdrawn balances X.XX% EAR

£XX each time

£XX each time

£XX (Overdraft usage fee only charged if unarranged overdraft limit exceeds this amount)

£XX for each cheque

£XX for each cheque

£XX per request

£XX each time

£XX each time

Payments overseas/in a foreign currency by SWIFT £XX each time

SEPA Credit Transfers made in Euro

Interest paid from

Withdrawals available from

Certainty that we won't reclaim the money if the cheque is returned unpaid

£XX each time

this account does not pay credit interest

the fourth working day following the day of deposit

the sixth working day following the day of deposit (unless fraud has occurred)

Find the Visa exchange rates at visaeurope.com/en/cardholders/exchange_rates.aspx

Non-Sterling Transaction Fee (our commission applied to all non-sterling transactions) Non-Sterling Cash Fee (additional commission paid on non-sterling cash withdrawals)

X.XX% of the transaction amount

£XX per withdrawal

Banking of cheques is subject to the rules and clearing processes of any clearing system used by us.

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AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once a year.

EAR stands for Equivalent Annual Rate and is the compounded yearly interest rate applied to (i) the amount you've spent and (ii) any interest, fees and charges applied to your account.

Gross p.a. is the interest rate without tax deducted.

Payments made within the UK in sterling For payments into your account, you will need to quote your sort code and your 8 digit account number, which you'll find on the front of your statement. Entering account numbers incorrectly can mean payments being misdirected, so please be sure to provide the correct details. Payments made outside of the UK or within the UK in a cur rency other than sterling SWIFT - someone making a payment to you must quote your Bank Identifier Code (BIC) and International Bank Account Number(IBAN). The BIC and IBAN are the international equivalents of your UK sort code and account number. An international payment will also need to quote the SWIFT Intermediary Bank number as we're using the routing services of an Agent Bank. You'll find this number along with your BIC and IBAN on the front of your statement. SEPA Credit Transfer - someone making a payment to you must quote your International Bank Account Number (IBAN). Your IBAN is found on the front of your statement.

Cheque clearing timescales start from the first working day after you pay in your cheque and exclude bank holidays and weekends. For interest purposes we include Saturdays, Sundays and bank holidays if the cheque is paid in at a branch or Fast Cash Machine. Cash and automated credits will be available for withdrawal immediately. There may be a delay of one working day if cheque deposits are made at a Nationwide cash machine as we will credit your account once the deposit has been verified and accepted by us.

If you have a problem with your account, and wish to complain, please try to settle it with us first. If you're not happy with the way in which we handled your complaint or the outcome you may be able to complain to the Financial Ombudsman Service. We'll give you details of how to contact the Ombudsman. We'd like to keep in touch by letting you know about our special offers, products and services, either by letter, telephone or email. If you'd prefer us not to get in contact through any of these ways, just write to us at Nationwide Building Society, Marketing Optout,FREEPOST SCE 7125. Also, if you'd like to hear from us, but currently don't, please contact us at the above address.

Important information about compensation arrangements The deposits in this account are eligible for protection under the Financial Services Compensation Scheme (FSCS). An Information Sheet and E xclusion List which provides information about the FSCS and the protection that it provides can be found at nationwide.co.uk/fscs-info/

Alternatively, please visit your local branch or call 0800 302011 to request a copy.

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

DC84 (October 2016) CSIS

Building Society

Total amount of fees and chargesThis shows how much will be taken from the account, 28 days later.

2017

28 Mar Arranged Overdraft Interest £XX.XX

Total £XX.XX

FlexAccount

Statementdate 2 March 2017

Statement no 1

Sort code 07-01-16

Account no

What next?£19.81 will be debited fromyour account 28 daysfollowing the date of thisstatement

00000013 0003 of 0003 CLU34

What next?£XX.XX will be debited from your account 28 days following the date of this statement.

Building Society

This is a Notice of Charges page You’ll only get one with your monthly statement if you’ve incurred any fees or charges associated with both arranged and unarranged overdraft borrowing.

Statement date

2 April 2017

Statement no 1

Sort code 00-00-00

Account no 000000