Registered Offices: Hidsons Ltd, 5 High Street, Rainham, Kent, ME8 7JB, Registered in England 2654051

H W Hidsons Ltd, 110 High Street, Rainham, Kent, ME8 8AR. Registered in England 529870

Mr Callum F Hardeman
3 Richborough Dr
Strood
Rochester
ME2 3LU

25th April 2014

A big thank you

Dear Mr Hardeman,

It's been a f e w months since you drove away in your car and we wanted to make sure you know we
really appreciate you as our customer. So just in case we didn't make it clear when you took delivery,
Thank You

We think you made a great choice in selecting Hidsons Kia. We are constantly looking at ways to
improve what we do as our aim in life is simple; to ensure every aspect of your motoring experience is
as enjoyable as possible. To t h a t end if you do have any comments or suggestions please don't be shy.
We'd like to hear them and we always listen.

We'll keep in touch f r o m time to time to make sure you're happy w i t h your car and the service we
provide. Equally we'll let you know about anything we think may be of interest or assistance to you. In
the meantime if there is anything we can help you with right now please feel free to contact us.

Happy motoring.

Yours sincerely

Hidsons Kia

Don't f o r g e t , if any of your details change or you have a question or query about your finance contract v i s i t
httP : //www.kiamotorsfinance.co.uk/our-customers/manaqinq-mu-account. Help is always j u s t a click or call away.

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CITROEn KIA MOTORS JEFIT Great Wall VAUXHALL
HMF
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Hidsons Registered Offices: Hidsons Ltd, 5 High Street, Rainham, Kent, ME8 7J6nfegistered in England 2654051
H W Hidsons Ltd, 110 High Street, Rainham, Kent, ME8 8AR. Registered in England 529870

Mr Hardeman
3 Richborough Drive
Strood
Rochester
ME2 3LU

HIDSONS - THE PEOPLE CHOSEN BY KIA

TO LOOK AFTER YOUR KIA

Dear Mr Hardeman

According to our records, your Kia Ceed registration LD62 UKT should be due for a service
shortly.

There are many reasons for having your vehicle serviced by Hidsons Kia

All Kia parts are covered by a 2 year unlimited mileage warranty

The service and maintenance pricing for your vehicle is fixed.
^/Ve^ll check the Kia manufacturer database to see if your car is due any updates
The service will include a computer check which will interrogate its on board
computers to ensure everything is running correctly
The service will be carried out exactly as per Kia's recommendations
Our servicing includes a free health check and report
All of our work is guaranteed and carried out by Kia trained technicians
We carry out a free tyre wear check
Your vehicle will have a Hidsons Kia dealer stamp in its service history which is
important to protect its resale value.
Any additional work is carried out at highly competitive fixed prices and is generally
cheaper than Kwik Fit for instance.
We use the correct oils and materials which will keep your cars warranty valid.
We can maintain your vehicles anticorrosion warranty*

We think these are pretty good reasons and we are justly proud of the service that we
provide.

Call our Aftersales Booking line on 0844 241 5122 (lo call) 10am - 5pm Mon - Fri in order to
make an appointment or alternatively visit our web-site to make an online booking request.

For more details of our Aftersales offers visit www.hidsons.co.uk/kia/aftersales-offers.

If you have already made a booking please disregard this letter and we look forward to seeing
you soon.

Yours sincerely

NigeLHidson __
Managing Director

*Small fee applies

<KTA)
CITROEn KIA MOTORS Great Wall VAUXHALL
HMF
 (K1A) Kia Motors Finance

/ 34_290_P181_S34
Mr Callum F Hardeman
3 Richborough Dr
Strood
Rochester
Kent
ME2 3LU

15th September, 2014.

STATEMENT OF ACCOUNT

This is your annual statement of account which we are sending to you as required
by the Consumer Credit Act. It is for your information only and no action is
required on your part.

Conditional Sale Agreement Number: 450-1303-40157-52

Agreement Date: 14/10/2013

Amount of Credit: £8000.00

Interest rate applicable: 0.00 % per annum
Duration of the agreement: 36 months

Interest charges are calculated at the outset of the agreement on the amount of
credit using the interest rate for the duration of the agreement. The payment of
the credit and interest is deferred because the credit facility fee is paid out
of the monthly payments before any credit or interest is repaid. To take account
of this deferment we initially use the interest rate to calculate a monthly
interest yield percentage that would have ensured that the credit and interest
was paid off over the duration of this agreement when applied to the amount of
credit in a fee free payment profile. We then apply that interest yield
percentage to the amount of credit outstanding each month as it will be
throughout the duration of the agreement (we assume you make your monthly
payments on time) to calculate the interest charges on the basis of a payment
profile incorporating the payment of the credit facility fee and equal payments
for the duration of the agreement (except for the final payment which will be
higher if it includes the completion fee and may include a balloon element). The
credit facility fee and the completion fee do not attract interest.

Please note that it is assumed that any direct debit or standing order payments
will not be subject to recall and that any cheques already received by us will
be honoured.

This statement of account applies only to the finance agreement described above.
Any premium payments you make in relation to insurance or other ancillary
products that you may have taken out which are associated with the finance
agreement are not shown in this statement of account.

Kia Motors Finance, 86 Station Road, Redhill, Surrey RH1 1SR.

Tel: 0871 522 5998. Calls cost lOp per minute plus network extras. Web: kiamotorsfinanceco.uk
Hyundai Capital UK Limited trading as Kia Motors Finance Registered office: 86 Station Road, RedhiH, Surrey RH1 1SR. Registered in England number 7945949. Hyundai Capital UK Limited is authorised and
n r c t u y w i TT1T w regulated by the Financial Conduct Authority in respect of agreements regulated by the Consumer Credit Act 1974 andfargeneral iusmatice mediation activity Our Firm Reference Number is 581186. Calls may
KMFLH001 JUL14 b,. ^corded or rrumitored. Hyundai Capital and foa Motms Finance art registered tradettutral SOAA
IL51KC
Termination; Your rights
You also have the right to end this agreement early in accordance with section
99 of the Consumer Credit Act 1974. You will not have to pay all the sums due
under the agreement but you will not be entitled to retain the goods if you do
this. Details were set out in your credit agreement. If you wish to terminate
the agreement you should contact us for further information including any amount
payable on termination.

Settling your credit agreement early

You can settle this agreement in full at any time by giving us notice and paying
off the amount you owe. If you wish to settle early you should contact us for a
final settlement figure.

You can also settle this agreement in part at any time by giving notice and
paying off some of the amount you owe.

Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in
the first instance. If you are not happy with the way in which we handled your
complaint or the result, you may be able to complain to the Financial Ombudsman
Service. 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.

Paving less than the agreed sum:

If you pay less than your agreed payment in most cases it is likely to take you
longer and may cost you more to pay off the debt under the agreement.

If you have difficulties making payments under your credit agreement please
contact us if you have not already done so to discuss terras for the rest of the
agreement. You may also want to seek advice on what to do from an independent
free advice agency such as the Citizens' Advice Bureau.

Marketing - your rights. In entering into a finance agreement with us you gave
us your consent to share your details with other parties for marketing purposes.
You may withdraw this consent at any time by writing to us at our Customer
Services Department.

Yours sincerely

Debbie Withcombe
Head of Customer Services
 (JcTX) | Kia Motors Finance

Mr Callum F Hardeman
3 Richborough Dr
Strood
Rochester
Kent
ME2 3LU

Period t h a t statement of account r e l a t e s to: 14/10/2013 - 13/09/2014

Agreement Number: 4 5 0 - 1 3 0 3 - 4 0 1 5 7 - 5 2

14/10/2013 Opening B a l a n c e f8000.00

Date Transaction Debit Credit

Amounts Amounts

14/11/2013 Payment 222.30

16/12/2013 Payment 222.22
14/01/2014 Payment 222.22
14/02/2014 Payment 222.22
14/03/2014 Payment 222.22
14/04/2014 Payment 222.22
14/05/2014 Payment 222.22
16/06/2014 Payment 222.22
14/07/2014 Payment 222.22
14/08/2014 Payment 222.22

Totals 0.00 2222.28

13/09/2014 Closing Balance £5777.72

Kia Motors Finance, 86 Station Road, Redhill, Surrey RH1 1SR.

Tel: 0871 522 5998. Calls cost lOp per minute plus network extras. Web: kiamotorsfinance.co.uk
Hyundai Capita] UK Limited trading as Kia Motors Finance Registered office: 8 6 Station Road, Redhu], Surrey RH1 1SR. Registered in England number 7945949. Hyundai Capita] UK Limited is authorised and
regulated by the Financial Conduct Authority in respect of agreements regulated by the Consumer Credit Act 1974 and for general insurance mediation activity. Our Firm Reference Number is 581186. Cans may
KMFLH001JUL14 be recorded or monitored. Hyundai Capital and Kia Motors Finance are registered trademarks. SOAX
IL51KC
 jci/C Kia Motors Finance

For all your immediate queries try our

MR CALLUM F HARDEMAN
3 RICHBOROUGH DR website first - it could save you time
STROOD www.kiamotorsfinance.co.uk
ROCHESTER Alternatively, should you have any
KENT queries or concerns please contact our
ME2 3LU
Customer Services team.
l
l'i''ll"il'r'IH"in'lli''ll'il
15/07/2014

Re: Agreement Number 450-1303-40157-52

Dear MR HARDEMAN,

We are writing to inform you of some changes that we will be making to the fees and charges
that are described in our terms and conditions shown on your agreement.

With effect from 13/08/2014 the following fees will no longer be charged;

£25.00 late payment fee^

• £25.00 default notice fee
• £30.00 bounced cheque fee
• £12.00 credit and debit card payment fee
• £17.50 standing order arrangement fee
• £40.00 for our internal agent to visit you
• £250.00 constituting reimbursement of any external collection agent fee paid

With effect from 13/08/2014 the following fees may become payable for customers who do not
pay on time;

• £35.00 if a payment is not received on time, and the same fee each subsequent month
that a payment remains overdue (This will be limited to three in any single default period)
• £50.00 when we pass your case to one of our Recovery Managers
• £250.00 when we pass your case to an external agency

We hope that you agree that these changes are an improvement to our existing fee structure as
the number of applicable fees has reduced. In fact the majority of our customers pay on time
every month and so these fees may never be charged.

There is no need for you to take any specific action.

Yours sincerely

Sherilyn Horton
Head of Customer Services
Kia Motors Finance, 86 Station Road, Redhill, Surrey RH1 1SR.
Tel: 0871 522 5998. Calls cost lOp per minute plus network extras. Web: kiamotorsfinance.co.uk
H x n d j j Capital UK Limited m d m f is Kia Motors Finance Registered office: 86 Station Road, Redhill, Surrey RH] ]SR. Registered in England number 7945949. Hyundai Capital UK Limited is authorised and
regulated by ^ F i n a n c i a l Conduct A r n i c a ^ in respect of a p ^ ^
KMFLH001JUL14 be recorded or monitored. Hyundai Capital and Kia Motors Finance are legaleied trademarks.