Common use of Activation and General Use of the Card Clause in Contracts

Activation and General Use of the Card. 3.1.1 The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 The amount relating to each Transaction and any associated fees will be deducted from the balance on the Card. 3.1.4 When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 You agree to accept a credit to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cards. We accept no responsibility, and shall not be liable for any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 The amount relating to each Transaction and any associated fees will be deducted from the balance on the Card. 3.1.4 When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 You agree to accept a credit to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cards. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 The amount relating to each Transaction and any associated fees will be deducted from the balance on the Card. 3.1.4 When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines hotels or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 You agree to accept a credit to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cards. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Physical Cards will be sent inactive directly to You or the Card Users (as directed by You) as per the delivery address specified on the Platform. A Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic CardUser on the Platform. You must know, and ensure that Card Users know know, and follow the steps required to activate the plastic Card and the instructions must be followeda physical Card. You shall only distribute the supply a Card to the respective Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Virtual cards will be provided active directly to the Card Users (as directed by You) via the Platform. 3.1.3 A Card is only for use by the respective Card User and expires on the date indicated on the front of the Card. The A Card cannot be used after it has expired. 3.1.3 3.1.4 The amount relating to each Transaction and any associated fees executed with any of the Cards issued to the Contract Holder will be deducted from added to the balance Spending Balance recorded on the CardTransaction Ledger which is settled by the Partner Bank via the Credit Card Processing Account up to the Limit in line with the Partner Bank Credit Agreement. 3.1.4 3.1.5 When using the a Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing increasing the balance available on Spending Balance. In addition, certain pre-authorisations may be booked which are, momentarily, counted towards the Card. 3.1.5 We do not recommend using the Card as: (i) Spend Limit. As a guarantee of paymentresult, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by Youspend. 3.1.6 You agree We do not recommend using a Virtual Card to accept purchase an item over the internet that subsequently would require the presentation of a credit physical reference device in order to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Cardobtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals and online purchases picked up in person. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic a physical Card. 3.1.8 Strictly for plastic physical Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cardsnetwork. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use. Cards cannot be used to purchase or access gambling transactions, adult services or for any illegal purpose. 3.1.10 You may obtain certain information concerning a Card and recent Transactions via the Platform or by contacting Customer Services. 3.1. 11Goods or services paid for with a Card cannot be refunded by a retailer unless there was a prior Transaction debited from the Card by that retailer of an equal or higher amount than the refund requested. If You are entitled to a refund for any reason for goods or services purchased using a Card, you agree that such refund will be made to the Credit Card Processing Account held by you with the Partner Bank. 3.1. 12Cards allow You access to various medical, legal and emergency assistance services 24 hours a day and 7 days a week. You can also enjoy priority assistance and convenience, exclusive privileges and rewards and safety/security features in addition to emergency cash disbursement and concierge services. You can find out more details of all of these services, as well as the merchant partner and rewards program, on the Platform.

Activation and General Use of the Card. 3.1.1 2.1.1. The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know know, and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 2.1.2. The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 2.1.3. The amount relating to each Transaction and any associated fees will be deducted from the balance on the Card. 3.1.4 2.1.4. When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 2.1.5. We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 2.1.6. You agree to accept a credit to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 2.1.7. We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 2.1.8. Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cards. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 2.1.9. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, know and ensure that Card Users know and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User User, and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 The amount relating to each Transaction and any associated fees will be deducted from the balance on the CardAccount. 3.1.4 When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 We do not recommend using a Virtual Card to purchase an item over the internet that subsequently would require the presentation of a physical reference device in order to obtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals and online purchases picked up in person. 3.1.7 You agree to accept a credit to the Card Account if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 3.1.8 We are not responsible for ensuring that ATM’s ATMs and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 3.1.9 Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cardsnetwork. We accept no responsibility, and shall not be liable for any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You 3.1. 10You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 2.1.1. The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, know and ensure that Card Users know and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User User, and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 2.1.2. The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 2.1.3. The amount relating to each Transaction and any associated fees will be deducted from the balance on the underlying Account associated to the Card. 3.1.4 2.1.4. When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 2.1.5. We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 2.1.6. You agree to accept a credit to the Card Account if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 2.1.7. We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 2.1.8. Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cardsnetwork. We accept no responsibility, and shall not be liable for any inability of Card Users to use their Cards in such POS or machines. 3.1.9 2.1.9. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Physical Cards will be sent inactive directly to You or the Card Users (as directed by You) as per the delivery address specified on the Platform. A Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic CardUser on the Platform. You must know, and ensure that Card Users know know, and follow the steps required to activate the plastic Card and the instructions must be followeda physical Card. You shall only distribute the supply a Card to the respective Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Virtual cards will be provided active directly to the Card Users (as directed by You) via the Platform. 3.1.3 A Card is only for use by the respective Card User and expires on the date indicated on the front of the Card. The A Card cannot be used after it has expired. 3.1.3 3.1.4 The amount relating to each Transaction and any associated fees executed with any of the Cards issued to the Contract Holder will be deducted from added to the balance Spending Balance recorded on the CardTransaction Ledger which is settled by the Partner Bank via the Credit Card Processing Account up to the Limit in line with the Partner Bank Credit Agreement. 3.1.4 3.1.5 When using the a Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing increasing the balance available on Spending Balance. In addition, certain pre-authorisations may be booked which are, momentarily, counted towards the Card. 3.1.5 We do not recommend using the Card as: (i) Spend Limit. As a guarantee of paymentresult, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by Youspend. 3.1.6 You agree We do not recommend using a Virtual Card to accept purchase an item over the internet that subsequently would require the presentation of a credit physical reference device in order to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Cardobtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals and online purchases picked up in person. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic a physical Card. 3.1.8 Strictly for plastic physical Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine machines such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cardsnetwork. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use. Cards cannot be used for any illegal purpose. Any further restrictions on use are set out in the Schedule. 3.1.10 You may obtain certain information concerning a Card and recent Transactions via the Platform or by contacting Customer Services. 3.1. 11Goods or services paid for with a Card cannot be refunded by a retailer unless there was a prior Transaction debited from the Card by that retailer of an equal or higher amount than the refund requested. If You are entitled to a refund for any reason for goods or services purchased using a Card, you agree that such refund will be made to the Credit Card Processing Account held by you with the Partner Bank. 3.1. 12Cards allow You access to various medical, legal and emergency assistance services 24 hours a day and 7 days a week. You can also enjoy priority assistance and convenience, exclusive privileges and rewards and safety/security features in addition to emergency cash disbursement and concierge services. You can find out more details of all of these services, as well as the merchant partner and rewards program, on the Platform.

Activation and General Use of the Card. 3.1.1 The Physical Cards will be sent inactive directly to You or the Card Users (as directed by You) as per the delivery address specified on the Platform. A Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic CardUser on the Platform. You must know, and ensure that Card Users know know, and follow the steps required to activate the plastic Card and the instructions must be followeda physical Card. You shall only distribute the supply a Card to the respective Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Virtual cards will be provided active directly to the Card Users (as directed by You) via the Platform. 3.1.3 A Card is only for use by the respective Card User and expires on the date indicated on the front of the Card. The A Card cannot be used after it has expired. 3.1.3 3.1.4 The amount relating to each Transaction and any associated fees executed with any of the Cards issued to the Contract Holder will be deducted from added to the balance Spending Balance recorded on the CardTransaction Ledger which is settled by the Partner Bank via the Credit Card Processing Account up to the Limit in line with the Partner Bank Credit Agreement. 3.1.4 3.1.5 When using the a Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing increasing the balance available on Spending Balance. In addition, certain pre-authorisations may be booked which are, momentarily, counted towards the Card. 3.1.5 We do not recommend using the Card as: (i) Spend Limit. As a guarantee of paymentresult, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by Youspend. 3.1.6 You agree We do not recommend using a Virtual Card to accept purchase an item over the internet that subsequently would require the presentation of a credit physical reference device in order to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Cardobtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals and online purchases picked up in person. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic a physical Card. 3.1.8 Strictly for plastic physical Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cardsnetwork. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use. Cards cannot be used to purchase or access gambling transactions, adult services or for any illegal purpose. 3.1.10 You may obtain certain information concerning a Card and recent Transactions via the Platform or by contacting Customer Services. 3.1.11 Goods or services paid for with a Card cannot be refunded by a retailer unless there was a prior Transaction debited from the Card by that retailer of an equal or higher amount than the refund requested. If You are entitled to a refund for any reason for goods or services purchased using a Card, you agree that such refund will be made to the Credit Card Processing Account held by you with the Partner Bank. 3.1. 12Cards allow You access to various medical, legal and emergency assistance services 24 hours a day and 7 days a week. You can also enjoy priority assistance and convenience, exclusive privileges and rewards and safety/security features in addition to emergency cash disbursement and concierge services. You can find out more details of all of these services, as well as the merchant partner and rewards program, on the Platform.

Activation and General Use of the Card. 3.1.1 3.1.1. The Card cannot be used unless it has been activated within the notified notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know know, and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 3.1.2. The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 3.1.3. The amount relating to each Transaction and any associated fees will be deducted from the balance on the CardAccount. 3.1.4 3.1.4. When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 3.1.5. We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 3.1.6. We do not recommend using a Virtual Card to purchase an item over the internet that subsequently would require the presentation of a physical reference device in order to obtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals and online purchases picked up in person. 3.1.7. You agree to accept a credit to the Card Account if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 3.1.8. We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 Strictly for plastic Cards, certain 3.1.9. Certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cardsapproval. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 3.1.10. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know know, and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 The amount relating to each Transaction and any associated fees will be deducted from the balance on the CardAccount. 3.1.4 When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 We do not recommend using a Virtual Card to purchase an item over the Card as: (i) internet that subsequently would require the presentation of a guarantee of paymentphysical reference device in order to obtain that item. Examples include certain theatre ticket purchases, for example as a deposit for hotelshotel stays, cruise lines or car rental, as merchants such as these may estimate the final bill rentals and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by Youonline purchases picked up in person. 3.1.6 You agree to accept a credit to the Card Account if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 Strictly for plastic Cards, certain Certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cardsapproval. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 The amount relating to each Transaction and any associated fees will be deducted from the balance on the Card. 3.1.4 When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 We do not recommend using the Card as: (i) as a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by Youspend. 3.1.6 You agree to accept a credit to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cards. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

Activation and General Use of the Card. 3.1.1 The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each plastic Card. You must know, and ensure that Card Users know and follow the steps required to activate the plastic Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable. 3.1.2 The Card is only for use by the Card User and expires on the date on the front of the Card. The Card cannot be used after it has expired. 3.1.3 The amount relating to each Transaction and any associated fees will be deducted from the balance on the Card. 3.1.4 When using the Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card. 3.1.5 We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines hotels or car rental, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend or as (ii) an arrangement for periodic billing as any debits as a result of such arrangements will be considered to have been authorised by You. 3.1.6 You agree to accept a credit to the Card if a Card User is entitled to a refund for any reason for goods or services purchased using the Card. 3.1.7 We are not responsible for ensuring that ATM’s and point of sale terminals (“POS”) will accept the plastic Card. 3.1.8 Strictly for plastic Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network and may not be able to accept prepaid Cards. We accept no responsibility, and shall not be liable for for, any inability of Card Users to use their Cards in such POS or machines. 3.1.9 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.