1. Contact Details

Creditor:

Address:

Telephone number(s):

E-mail Address:

Credit intermediary:

Address:

2. Key Features of the credit product

The type of credit:

The total amount of credit:

This means the amount of credit to be provided under the proposed credit agreement or the credit limit.

How and when the credit will be provided. We will pay the amount of the credit to the intermediary (the supplier of the goods/service) on your behalf within 14 days of receipt of goods.

The duration of the agreement:

Repayments:

The total amount you will have to pay:

The proposed credit will be linked to the supply of specific goods or the provision of a service.

Description of goods:

Cash Price:

3. Costs of the credit

The rates of interest which apply to the credit agreement.

Annual Percentage Rate of Charge (APR).

This is a total cost expressed as an annual percentage of the total amount of credit.

The APR is there to help you compare different offers.

Related Costs

Charges for using a specific payment method:

Any other costs deriving from the credit agreement:

Costs in the case of late payments:

Consequences of missing payments: Missing payments can have severe consequences and will make obtaining future credit facilities more difficult.

Legal proceedings may be brought against you for recovery of the outstanding debt and our reasonable legal expenses.

4. Other important legal aspects

Right of withdrawal:

Early repayment: You have the right to repay all or part of the credit early and at any time.

Consultation with credit reference agencies: If your application is declined on the basis of information received from a credit reference agency, we will advise of this and provide you with the details of the credit reference agency used.

Right to a draft credit agreement: You have the right, upon request, to obtain a copy of the draft credit agreement free of charge.

5. Additional information in the case of distance marketing of financial services

(a) Concerning the creditor

Registration number:

The supervisory authority:

(b) Concerning the credit agreement

The Law taken by the creditor as a basis for the establishment of relations with you before the consultation of the credit agreement.

Language to be used in connection with the credit agreement:

English Law.

English language will apply in any communication from us to you.

(c) Concerning redress

Access to out-of-court and redress mechanism.

PRE-CONTRACT CREDIT INFORMATION(Standard European Consumer Credit Information)

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Terms and Conditions

1. Definitions

2. Loan Agreementi. We agree to lend You and You agree to borrow from Us the Amount of Credit set out

in the Financial Information section within this agreement on the terms set out in this agreement.

ii. You authorise Us to pay to the Supplier the Amount of Credit set out in the Financial Information section within this agreement.

3. Paymentsi. You must ensure that all repayments are received by Us on the due date.ii. You must pay to us the Total Amount Payable by the Monthly Repayments on the

Monthly Repayment Dates.iii. Prompt payment by you is essential to this agreement, as late payment may entitle us to

terminate the agreement under clause 5 below.

4. ChargesThe charges shown within this agreement are the current rate of charges as at the date of this agreement. The amount of these charges is subject to change. We will notify You of any changes that take place and we will give you at least 14 days notice in writing of any change. We will issue a notice advising you when charges are being applied to your account; these charges will fall due for payment as at the date of this notice

5. Early Termination by UsIf any of the following occurs:

i. You fail to make pay a repayment within 28 days of its due date; orii. any of the information which You provided to us prior to entering into this agreement

was untrue in a material respect; oriii. Any steps are taken by or against You for your bankruptcy or any composition,

agreement or arrangement is entered into by You with your creditor(s) or a bailiff or other officer, attaches, seizes or impounds any of your goods pursuant to a court order then We may serve on You a default notice as required by the Consumer Credit Act 1974 and require You to pay promptly after we demand the Total Amount Payable together with any other sums due from You under this agreement and less the total of the Monthly Repayments already paid and any other repayments made by You under this agreement and less (on payment) any rebate of interest that You are entitled to under the Consumer Credit Act 1974.

6. Generali. You must notify Us promptly in writing of any changes to Your name, address or bank details.ii. If we give You any concession or indulgence in relation to the repayments due from You or the other terms of this agreement, this shall not prejudice or act as a waiver

of our strict rights under this agreement.iii. We may transfer any of our rights or liabilities in connection with this agreement to a third party without giving notice to You. If We do so, this will not alter Your

obligations or Your rights, including Your rights under the Consumer Credit Act 1974. We are hereby authorised by You to disclose information to any such party having a right to such information regarding You.

iv. This agreement will be governed by English law.v. Any alterations or variations of this agreement made by you will not be effective.

Use of your InformationIn assessing Your application We will search the files of one or more credit reference agencies that will supply Us with credit and identity information as well as information from the electoral register.The credit reference agencies will record details of our searches regardless of whether or not Your application proceeds.These details will be seen by other organisations carrying out later searches.We will also disclose details about the conduct of Your agreement and how You manage it to one or more credit reference agencies and this information may be used by other lenders to assess other credit applications by You.We may use a credit scoring or similar technique in deciding whether to accept your application.Personal data relating to Your agreement will be held by Us and shared with the Supplier.Your information will be used from time to time for marketing purposes by Us or companies within our group.You have the right to stop Us from contacting You for this purpose or sharing Your details with others for this purpose by writing to us atYour information may also be used by Us for the purposes of debtor tracing and prevention of money laundering.You have the right to access to Your personal records held by credit reference agencies and We will supply their names and addresses upon written request to Us at

You have the right, on payment of a statutory fee, (which was £10 on 1st September 2011) to receive a copy of the information We hold about You if you apply to Us in writing to the above address.

Use of Associated RecordsBefore entering into this agreement We may search records at credit reference agencies which may be linked to Your spouse or partner or other persons with whom You are linked financially and other members of your household. For the purpose of any application for this agreement You may be treated as financially linked and You will be assessed with reference to “associated records”. Where any search or application is completed or agreement entered into involving joint parties You both consent to Us recording details at credit reference agencies and as a result an “association” will be created which will link your financial records. Your associate’s information may be taken into account when a future search is made by Us or any other lender unless You file a “disassociation” at the credit reference agencies.

Customer Internal Complaints Procedure

We aim to provide you as the customer with the highest standards ofservice. However there may be occasions when we do not get it right, or fail to meet your expectations. If this happens we encourage you to speak to us so that we can put matters right.

We would like:• To receive your complaint to understand your concerns.• To resolve your complaint as quickly as possible.• To make sure you are satisfied with how we have handled the

complaint.

Your initial concerns should be sent in writing to:

If we cannot resolve your complaint straight away, then we will:• Send you a written acknowledgement within five working days of

receiving your complaint.• Send you a written update after two weeks.• Send you a full written update detailing where we are after four weeks.

If we have been still unable to resolve the matter after eight weeks we will write to you again,with either a final response letter detailing our findings, or if we are unable to provide a final response, a letter detailing why we are not in a position to provide a final response.

In the unlikely event you are still dissatisfied, you are entitled to referyour complaint to the Financial Ombudsman and we will provide details of how to do so. This should be done straight away, but must be within six months of the date of our final response.

You must complete the internal complaints procedure beforecommencing dealings with the Ombudsman.

THE DIRECT DEBIT GUARANTEE• This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.•

•

• You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

This guarantee should be retained by the Payer

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Lender:

Borrower: Address: Authorisation Number:Employer: Home telephone No: Employer telephone No: Time with employer:Credit Intermediary (supplier of goods/services): Description of goods: Order number:

Financial Information

Interest is calculated and debited to your account at the commencement of the agreement, at the rate per annum shown above, on the amount of credit provided.

We will pay the Credit Intermediary (supplier of goods/services) on your behalf within 14 days of your receipt of goods.

Charges:

Other charges will be payable under this agreement in the following events:

We may charge you a fee for a copy of information as set out in “Use of your information” in the terms and conditions of this agreement.

We will also charge you all reasonable costs incurred in the enforcement of our rights under this agreement, including fees payable to our tracing/collections/legal agents.

Missing payments can have severe consequences and will make obtaining future credit facilities more difficult.

IMPORTANT - PLEASE READ CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

IMPORTANT – USE OF YOUR INFORMATION

Please read “Use of your information” and “Use of your associated records” in the terms and conditions of this agreement before you sign, as by signing you are agreeing to this use and disclosure of your information.

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you agree to be legally bound by its terms.

Signature of Borrower

Date of signature

Instruction to your Bank or Building Society to pay by Direct Debit

To:Bank Name:Bank Address:

Name of Account Holder:Sort Code:Account Number:

Originators Identification number:Originators Reference Number:

Date of Signature(This will be the date of the agreement)

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