The following situations may have occurred:

• If you have multiple loan balances under the same reference number, each balance may be charged at a different rate. Please contact our Customer Services Team on 1800 93 92 44 for a more detailed breakdown of your loan balance.

• The interest rate displayed for a particular time period, would have been used to calculate the interest charged to your account on the 1st of the month following the rate end date. For example, an interest rate displayed as applying between the 2nd of January 2016 and the 31st of July 2016, will be the rate of interest charged each month up to and including the interest charged to your account on the 1st of August 2016.

• To verify the interest charged on a certain date, you should use the balance due immediately before the interest has been charged. For example, to verify the interest charged on the 1st of February you should use the balance following the last transaction in January.

• There may be two interest charges displayed on the statement in the same month, to verify the figure you should add these interest amounts together and treat as one charge.