Common use of Authorised User Clause in Contracts

Authorised User. 13.1 At the request of the Cardholder we may permit the issue of an additional Card on the Account, together with a separate PIN, for use by a person nominated by you (an “Authorised User”). However, there is no obligation on us to do so. If we consent to the issue of additional Cards, they will be issued subject to these Conditions. An Authorised User will be furnished with a copy of these Conditions and will be bound to observe these Conditions to the extent that they apply or are relevant. The Cardholder must ensure that an Authorised User complies with these Conditions. The Cardholder remains liable for all Transactions for which the additional Card is used, including those charged to the Account after the additional Card has been returned to us. 13.2 We will cancel any additional Card at any time if the Cardholder requests this by contacting us in accordance with the ‘Contacting Us’ section, in which case the additional Card, cut in two (through the signature box, magnetic strip and chip) for security reasons, must be returned to us at the address in the ‘Contacting Us’ section of these Conditions. 13.3 No amendments to the Account details or variation of the Credit Limit will be accepted from an Authorised User. 13.4 The Cardholder remains and is at all times liable for the payment of all Transactions carried out by an Authorised User regardless of the ability of that Authorised User, as if the Transactions had been personally carried out by the Cardholder.

Authorised User. 13.1 At the request of the Cardholder we may permit the issue of an additional Card on the Account, together with a separate PIN, for use by a person nominated by you (an “Authorised User”). However, there is no obligation on us to do so. If we consent to the issue of additional Cards, they will be issued subject to these Conditions. An Authorised User will be furnished with a copy of these Conditions and will be bound to observe these Conditions to the extent that they apply or are relevant. The Cardholder must ensure that an Authorised User complies with these Conditions. The Cardholder remains liable for all Transactions for which the additional Card is used, including those charged to the Account after the additional Card has been returned to us. 13.2 We will cancel any additional Card at any time if the Cardholder requests this by contacting us in accordance with the ‘Contacting Us’ section, in which case the additional Card, cut in two (through the signature box, magnetic strip and chip) for security reasons, must be returned to us at the address in the ‘Contacting Usus’ section of these Conditions. 13.3 No amendments to the Account details or variation of the Credit Limit will be accepted from an Authorised User. 13.4 The Cardholder remains and is at all times liable for the payment of all Transactions carried out by an Authorised User regardless of the ability of that Authorised Useruser, as if the Transactions had been personally carried out by the Cardholder.