BARCLAYS PC     		MICROSOFT MONEY 97 
					BANKING SOFTWARE	WITH  BARCLAYS PC 										BANKING	

SOFTWARE COSTS    		Free of charge   		£29.99 (RRP)**		
INITIAL SERVICE FEE   	£30    				£25				
ANNUAL SERVICE FEE*	£15 - Free in first year    	£15 - Free in first year	

What's more, if you are not happy with Barclays PC Banking, just let the Barclays PC Banking Customer Services team know that you would like to cancel the service within 90 days of  receiving your welcome pack, and we'll refund 
your Initial Service Fee in full. +

* The Annual Service Fee is payable in advance, but is waived for the  first year.
** RRP = Recommended Retail Price.
+ Only one refund allowed per person

Please note that these costs are for personal customers only. Details of the charges for small business customers are available by calling 0800 00 00 97.

Continued . . .

Barclays Bank Account Overdraft Charges

				Authorised Overdraft  -   		Unauthorised Overdraft - 
				within an agreed limit   		without or beyond an 										agreed limit	         	
        
Monthly usage fee		£5    					Up to £200 - £15		
									Over £200 - £30		
Interest rate per month	1.45% (18.8% EAR)   		2.20% (29.8% EAR)	

Barclays Additions Bank Charges

Barclays Additions monthly fee                			£5
Interest rate on first £100 of overdraft            		Free
Interest rate on overdraft over £100                		1.45% per month
                        	(Equivalent Annual Rate 18.8%)

The charges and interest rates above are variable and the Bank reserves the right to amend them from time to time. Any payment causing an overdrawn balance without or beyond an agreed limit will be paid at the Bank's discretion. Overdrafts are repayable on demand. You can overdraw up to your limit whenever you want, but you should not be permanently overdrawn by the whole amount.

Barclayloan typical example APR 15.9%, £7,000 loan repayable by 48 monthly repayments of £166.60 with a total amount payable of £9,996.00 excluding Barclayloan protection. 

To apply for credit facilities you must be 18 or over. A written quotation is available from your local branch, or from Barclayloan Direct, PO Box 323, Liverpool L69 2RE.

Please note Barclays is a responsible lender and when considering your application for borrowing, your financial circumstances will be appraised. And remember, should you run into difficulties, please contact us immediately.