Common use of Card rules Clause in Contracts

Card rules. The customer must ensure that every cardholder is familiar with this paragraph. To prevent someone from using the card without permission the customer and every cardholder agree to take all reasonable steps to keep the card and personal identification number (PIN) safe and to do the following: Follow the security requirements and recommendations made by the Bank. Change any PIN the Bank provides as soon as possible. Not disclose the PIN to anyone. Keep the PIN secret and separate from the card. Immediately sign the back of the card with a ballpoint pen when receiving the card. Only the person named as the cardholder may use the card. The card may not be transferred to any other person nor may any other person use the card. The card may not be used for any illegal transactions. The customer alone is responsible for making sure that a transaction is lawful. Use the PIN or sign a transaction slip, or do both if the supplier of any goods or services requires this. When the card has expired, destroy the card by cutting through the magnetic strip at the back so that nobody else can use the card. Immediately call the Bank if any of the following happens (or suspicion that it has happened) or if the card needs to be stopped: o the card is lost or stolen; o someone has obtained the PIN; o the card is used without permission. The cardholder may only use the card until it expires. The card is valid until the last day of the month of the expiry date shown on the card as the valid date. A new card may be issued if the card is lost, stolen, damaged or expired. The same limits and card functionality will apply to the replacement card. In certain cases the Bank will automatically issue replacement cards. Cards may be delivered to the cardholder or be collected at a First National Bank branch once the cardholder’s identity has been confirmed. The customer may claim possession of a card from the cardholder on demand, but the customer is not entitled at any time to any knowledge or access to the cardholder’s PIN if issued, nor may the customer use that card. The customer must notify the Bank and cancel the permission in the prescribe manner if the customer takes possession of the card and must return the card to the Bank. Any cardholder may do the following: Advise the Bank that the card has been lost, stolen or compromised and instruct the Bank to cancel it and replace it with a new card of the same type, functionality and limits which the old card had Terminate his/her own permission to be a cardholder and cancel the card accordingly Change his/her own card PIN (only the cardholder may do this). Any transaction or payment made in a currency other than Ghana Cedi will be charged to the account at the VISA rate of exchange that applies on the date of settlement. The transaction will be shown on the statement in Ghana Cedis. All transactions for purchases, services or cash withdrawals will be charged to the primary account to which the card is linked. Each time the card or the card number (and PIN, if applicable) is used the Bank will charge the transaction amount to the account, even if no transaction slip or cash withdrawal voucher was signed. If there are insufficient funds available in the account, the Bank may refuse to authorise a transaction. A dispute between the customer and any supplier of goods/services will not affect the Bank’s right to charge the account or receive payment of the transaction amount from the customer. The customer may not do the following: Instruct the Bank to refuse to pay the supplier. Request money already paid to the supplier to be reversed until it follows normal dispute process for chargeback’s within the Bank. Claim, or counter claim against the Bank, or apply set-off against the Bank. Payments by the Bank to suppliers for transactions are final and irreversible, unless the card rules and regulations provide otherwise or if the supplier duplicated the payment because of human or technical error. The customer must report any card-related disputes to the First National Bank branch where the account is held within 30 days after the transaction date, by completing the relevant dispute forms. The Bank may charge the customer a card issuing fee for new cards and may charge a card replacement fee if a card is lost, stolen or damaged. The account will also be charged with the following fees (as determined by the Bank from time to time depending on the pricing option selected): A fee for each transaction done with the card: An additional fee for international transactions: Any applicable government charges and taxes: A dispute fee, if the customer made a dispute against a supplier for any transaction, and the transaction is proved to be correct. A voucher fee if the customer asks the Bank for a copy of a voucher from a supplier (if available).

Card rules. The customer must ensure that every cardholder is familiar with this paragraph. To prevent someone from using the card without permission the customer and every cardholder agree to take all reasonable steps to keep the card and personal identification number (PIN) safe and to do the following: Follow the security requirements and recommendations made by the BankFNB. Change any PIN the Bank FNB provides as soon as possible. Not disclose the PIN to anyone. Keep the PIN secret and separate from the card. Immediately sign the back of the card with a ballpoint pen when receiving the card. Only the person named as the cardholder may use the card. The card may not be transferred to any other person nor may any other person use the card. The card may not be used for any illegal transactions. The customer alone is responsible for making sure that a transaction is lawful. Use the PIN or sign a transaction slip, or do both if the supplier of any goods or services requires this. When the card has expired, destroy the card by cutting through the magnetic strip at the back so that nobody else can use the card. Immediately call the Bank FNB if any of the following happens (or suspicion that it has happened) or if the card needs to be stopped: o the card is lost or stolen; o someone has obtained the PIN; o the card is used without permission. The cardholder may only use the card until it expires. The card is valid until the last day of the month of the expiry date shown on the card as the valid date. A new card may be issued if the card is lost, stolen, damaged or expired. The same limits and card functionality will apply to the replacement card. In certain cases the Bank FNB will automatically issue replacement cards. Cards may be delivered to the cardholder or be collected at a First National Bank an FNB branch once the cardholder’s identity has been confirmed. The customer may claim possession of a card from the cardholder on demand, but the customer is not entitled at any time to any knowledge or access to the cardholder’s PIN if issued, nor may the customer use that card. The customer must notify the Bank FNB and cancel the permission in the prescribe manner if the customer takes possession of the card and must return the card to the BankFNB. Any cardholder may do the following: Advise the Bank FNB that the card has been lost, stolen or compromised and instruct the Bank FNB to cancel it and replace it with a new card of the same type, functionality and limits which the old card had Terminate his/her own permission to be a cardholder and cancel the card accordingly Change his/her own card PIN (only the cardholder may do this). Requests for new cards or changes to card limits may only be done by completing FNB’s required form(s) or using online banking. If the card is used outside of the Common Monetary Area the customer must comply with exchange control regulations. Any transaction or payment made in a currency other than Ghana Cedi Namibian Dollar or South African Rand will be charged to the account at the VISA rate of exchange that applies on the date of settlement. The transaction will be shown on the statement in Ghana CedisNAD currency. FNB will report any transactions outside the Common Monetary Area to the Bank of Namibia. All transactions for purchases, services or cash withdrawals will be charged to the primary account to which the card is linked. Each time the card or the card number (and PIN, if applicable) is used the Bank FNB will charge the transaction amount to the account, even if no transaction slip or cash withdrawal voucher was signed. If there are insufficient funds available in the account, the Bank FNB may refuse to authorise a transaction. A dispute between the customer and any supplier of goods/services will not affect the BankFNB’s right to charge the account or receive payment of the transaction amount from the customer. The customer may not do the following: Instruct the Bank FNB to refuse to pay the supplier. Request money already paid to the supplier to be reversed until it follows normal dispute process for chargeback’s within the BankFNB. Claim, or counter claim against the BankFNB, or apply set-off against the BankFNB. Payments by the Bank FNB to suppliers for transactions are final and irreversible, unless the card rules and regulations provide otherwise or if the supplier duplicated the payment because of human or technical error. The customer must report any card-related disputes to the First National Bank FNB branch where the account is held within 30 days after the transaction date, by completing the relevant dispute forms. The Bank may FNB will charge the customer a card issuing fee for new cards and may charge a card replacement fee if a card is lost, stolen or damaged. The account will also be charged with the following fees (as determined by the Bank FNB from time to time depending on the pricing option selected): A fee for each transaction done with the card: . An additional fee for international transactions: . Any applicable government charges and taxes: . A dispute fee, if the customer made a dispute against a supplier for any transaction, and the transaction is proved to be correct. A voucher fee if the customer asks the Bank FNB for a copy of a voucher from a supplier (if available). FNB’s fees are set out in its pricing brochure. Information about dispute and voucher fees are available from any FNB Branch or on ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇. The customer will be liable for all unauthorised card-based transactions in the following instances: Until FNB has been informed of the loss or theft of the card; By any other person using the PIN, unless the cardholder can prove that such person did not obtain the PIN as a result of the cardholder’s negligence; By any person other than the cardholder using the card for transactions made by mail order, telephone or electronically, unless the customer can prove that such person did not get the card or card number because of the cardholder’s negligence. Lost Card Protection is available for certain cards against unauthorised and fraudulent use of the card from the time of the loss or theft of the card until the customer or cardholder has notified FNB of the loss or theft. Lost Card Protection will not apply if the customer or cardholder is negligent by failing to keep the card safe or reporting it lost or stolen. Any delay in reporting the loss or theft of the card to FNB, will be regarded as negligent and the customer will have to prove that neither the customer nor the cardholder were negligent. FNB is not liable for any loss the customer and/or cardholder may suffer as a result of a failure, temporary breakdown or malfunction of any ATM or POS or other card payment device. The card remains FNB’s property. The customer and cardholder must immediately return it to FNB on request.

Card rules. The customer must ensure that every cardholder is familiar with this paragraph. To prevent someone from using the card without permission the customer and every cardholder agree to take all reasonable steps to keep the card and personal identification number (PIN) safe and to do the following: ▪ Follow the security requirements and recommendations made by the Bank▪ The card may not be used for any illegal transactions. The customer FNB. ▪ Change any PIN the Bank FNB provides as soon as possible. ▪ Not disclose the PIN to anyone. ▪ Keep the PIN secret and separate from the card. ▪ Immediately sign the back of the card with a ballpoint pen when receiving the card. ▪ Only the person named as the cardholder may use the card. ▪ The card may not be transferred to any other person nor may any other person use the card. The card may not be used for any illegal transactions. The customer alone is responsible for making sure that a transaction is lawful. ▪ Use the PIN or sign a transaction slip, or do both if the supplier of any goods or services requires this. ▪ When the card has expired, destroy the card by cutting through the magnetic strip at the back so that nobody else can use the card. ▪ Immediately call the Bank FNB if any of the following happens (or suspicion that it has happened) or if the card needs to be stopped: o the card is lost or stolen; o someone has obtained the PIN; o the card is used without permission. The cardholder may only use the card until it expires. The card is valid until the last day of the month of the expiry date shown on the card as the valid date. A new card may be issued if the card is lost, stolen, damaged or expired. The same limits and card functionality will apply to the replacement card. In certain cases the Bank FNB will automatically issue replacement cards. Cards may be delivered to the cardholder or be collected at a First National Bank an FNB branch once the cardholder’s identity has been confirmed. The customer may claim possession of a card from the cardholder on demand, but the customer is not entitled at any time to any knowledge or access to the cardholder’s PIN if issued, nor may the customer use that card. The customer must notify the Bank FNB and cancel the permission in the prescribe manner if the customer takes possession of the card and must return the card to the BankFNB. Any cardholder may do the following: ▪ Advise the Bank FNB that the card has been lost, stolen or compromised and instruct the Bank FNB to cancel it and replace it with a new card of the same type, functionality and limits which the old card had ▪ Terminate his/her own permission to be a cardholder and cancel the card accordingly ▪ Change his/her own card PIN (only the cardholder may do this). Requests for new cards or changes to card limits may only be done by completing FNB’s required form(s) or using online banking. If the card is used outside of the Common Monetary Area the customer must comply with exchange control regulations. Any transaction or payment made in a currency other than Ghana Cedi South African Rand will be charged to the account at the VISA rate of exchange that applies on the date of settlement. The transaction will be shown on the statement in Ghana CedisRand currency. FNB will report any transactions outside the Common Monetary Area to the South African Reserve Bank. All transactions for purchases, services or cash withdrawals will be charged to the primary account to which the card is linked. Each time the card or the card number (and PIN, if applicable) is used the Bank FNB will charge the transaction amount to the account, even if no transaction slip or cash withdrawal voucher was signed. If there are insufficient funds available in the account, the Bank FNB may refuse to authorise a transaction. A dispute between the customer and any supplier of goods/services will not affect the BankFNB’s right to charge the account or receive payment of the transaction amount from the customer. The customer may not do the following: ▪ Instruct the Bank FNB to refuse to pay the supplier. ▪ Request money already paid to the supplier to be reversed until it follows normal dispute process for chargeback’s within the BankFNB. ▪ Claim, or counter claim against the BankFNB, or apply set-off against the BankFNB. Payments by the Bank FNB to suppliers for transactions are final and irreversible, unless the card rules and regulations provide otherwise or if the supplier duplicated the payment because of human or technical error. The customer must report any card-related disputes to the First National Bank FNB branch where the account is held within 30 days after the transaction date, by completing the relevant dispute forms. The Bank may FNB will charge the customer a card issuing fee for new cards and may charge a card replacement fee if a card is lost, stolen or damaged. The account will also be charged with the following fees (as determined by the Bank FNB from time to time depending on the pricing option selected): ▪ A fee for each transaction done with the card: . ▪ An additional fee for international transactions: . ▪ Any applicable government charges and taxes: . ▪ A dispute fee, if the customer made a dispute against a supplier for any transaction, and the transaction is proved to be correct. ▪ A voucher fee if the customer asks the Bank FNB for a copy of a voucher from a supplier (if available). FNB’s fees are set out in its pricing brochure. Information about dispute and voucher fees are available from any FNB Branch or on ▇▇▇.▇▇▇.▇▇.▇▇. The customer will be liable for all unauthorised card-based transactions in the following instances: ▪ Until FNB has been informed of the loss or theft of the card; ▪ By any other person using the PIN, unless the cardholder can prove that such person did not obtain the PIN as a result of the cardholder’s negligence; ▪ By any person other than the cardholder using the card for transactions made by mail order, telephone or electronically, unless the customer can prove that such person did not get the card or card number because of the cardholder’s negligence. Lost Card Protection is available for certain cards against unauthorised and fraudulent use of the card from the time of the loss or theft of the card until the customer or cardholder has notified FNB of the loss or theft. Lost Card Protection will not apply if the customer or cardholder is negligent by failing to keep the card safe or reporting it lost or stolen. Any delay in reporting the loss or theft of the card to FNB, will be regarded as negligent and the customer will have to prove that neither the customer nor the cardholder were negligent. FNB is not liable for any loss the customer and/or cardholder may suffer as a result of a failure, temporary breakdown or malfunction of any ATM or POS or other card payment device. The card remains FNB’s property. The customer and cardholder must immediately return it to FNB on request.

Card rules. The customer must ensure that every cardholder is familiar with this paragraph. To prevent someone from using the card without permission the customer and every cardholder agree to take all reasonable steps to keep the card and personal identification number (PIN) safe and to do the following: Follow the security requirements and recommendations made by the Bank. Change any PIN the Bank provides as soon as possible. Not Never disclose the PIN to anyone. Keep the PIN secret and separate from the card. Immediately sign the back of the card with a ballpoint pen when receiving the card. Only the person named as the cardholder may use the card. The card may not be transferred to any other person nor may any other person use the card. The card may not be used for any illegal transactions. The customer alone is responsible for making sure that a transaction is lawful. Use the PIN or sign a transaction slip, or do both if the supplier of any goods or services requires this. When the card has expired, destroy the card by cutting through the magnetic strip at the back so that nobody else can use the card. Immediately call the Bank if any of the following happens (or suspicion that it has happened) or if the card needs to be stopped: o the card is lost or stolen; o someone has obtained the PIN; o the card is used without permission. The cardholder may only use the card until it expires. The card is valid until the last day of the month of the expiry date shown on the card as the valid date. A new card may be issued if the card is lost, stolen, damaged or expired. The same limits and card functionality will apply to the replacement card. In certain cases cases, the Bank will automatically issue replacement cards. Cards may be delivered to the cardholder or be collected at a First National Bank Ghana branch once the cardholder’s identity has been confirmed. The customer may claim possession of a card from the cardholder on demand, but the customer is not entitled at any time to any knowledge or access to the cardholder’s PIN if issued, nor may the customer use that card. The customer must notify the Bank and cancel the permission in the prescribe manner if the customer takes possession of the card and must return the card to the Bank. Any cardholder may do the following: Advise the Bank that the card has been lost, stolen or compromised and instruct the Bank to cancel it and replace it with a new card of the same type, functionality and limits which the old card had Terminate his/her own permission to be a cardholder and cancel the card accordingly Change his/her own card PIN (only the cardholder may do this). Any transaction or payment made in a currency other than Ghana Cedi will be charged to the account at the VISA rate of exchange that applies on the date of settlement. The transaction will be shown on the statement in Ghana Cedis. All transactions for purchases, services or cash withdrawals will be charged to the primary account to which the card is linked. Each time the card or the card number (and PIN, if applicable) is used the Bank will charge the transaction amount to the account, even if no transaction slip or cash withdrawal voucher was signed. If there are insufficient funds available in the account, the Bank may refuse to authorise a transaction. A dispute between the customer and any supplier of goods/services will not affect the Bank’s right to charge the account or receive payment of the transaction amount from the customer. The customer may not do the following: Instruct the Bank to refuse to pay the supplier. Request money already paid to the supplier to be reversed until it follows normal dispute process for chargeback’s chargebacks within the Bank. Claim, or counter claim against the Bank, or apply set-off against the Bank. Payments by the Bank to suppliers for transactions are final and irreversible, unless the card rules and regulations provide otherwise or if the supplier duplicated the payment because of human or technical error. The customer must report any card-related disputes to the First National Bank Ghana branch where the account is held within 30 days after the transaction date, by completing the relevant dispute forms. The Bank may charge the customer a card issuing fee for new cards and may charge a card replacement fee if a card is lost, stolen or damaged. The account will also be charged with the following fees (as determined by the Bank from time to time depending on the pricing option selected): A fee for each transaction done with the card: An additional fee for international transactions: Any applicable government charges and taxes: A dispute fee, if the customer made a dispute against a supplier for any transaction, and the transaction is proved to be correct. A voucher fee if the customer asks the Bank for a copy of a voucher from a supplier (if available). The Bank’s fees are set out in its pricing brochure. Information about dispute and voucher fees are available from any First National Bank Ghana Branch or on ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇. The customer will be liable for all unauthorised card-based transactions in the following instances: Until the Bank has been informed of the loss or theft of the card; By any other person using the PIN, unless the cardholder can prove that such person did not obtain the PIN as a result of the cardholder’s negligence; By any person other than the cardholder using the card for transactions made by mail order, telephone or electronically, unless the customer can prove that such person did not get the card or card number because of the cardholder’s negligence. Lost Card Protection is available for certain cards against unauthorised and fraudulent use of the card from the time of the loss or theft of the card until the customer or cardholder has notified the Bank of the loss or theft. Lost Card Protection will not apply if the customer or cardholder is negligent by failing to keep the card safe or reporting it lost or stolen. Any delay in reporting the loss or theft of the card to the Bank, will be regarded as negligent and the customer must prove that neither the customer nor the cardholder were negligent. The Bank is not liable for any loss the customer and/or cardholder may suffer because of a failure, temporary breakdown or malfunction of any ATM or POS or another card payment device. The card remains the Bank’s property. The customer and cardholder must immediately return it to the Bank on request.