Common use of Card Transactions Clause in Contracts

Card Transactions. 3.1 Authorised Users can use their Card and PIN to make withdrawals from your Account by means of the various facilities we make available. 3.2 Where the service is available, it may also be possible to use the Card, Card number and PIN to make deposits into your Account. 3.3 When using a Card for a Card Transaction, the Card Transaction will be properly authorised: a. by the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation cannot be withdrawn; or b. by the Authorised User signing a receipt for the Card Transaction. If the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted. 3.4 Card Transactions will be shown on the statement we provide or make available for your Account. We recommend that you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need to involve them. In some cases, we will need you or an Authorised User to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly apply, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account that would not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability to you. You must notify us as soon as possible after you become aware of any incorrect Card Transaction on your Account. 3.6 Where a Card Transaction is made in a foreign currency (where this service is available on a Card), we will convert it into £ sterling on the day we debit the payment (in £ sterling) to your Account using the Payment Scheme Exchange Rate. We add

Card Transactions. 3.1 Authorised Users You can use their your Card to obtain cash at Plus ATMs and to make purchases at Visa and Interlink accepting merchant locations that participate in the Visa® and Interlink networks. When you use your Card to initiate a transaction at certain merchants locations, such as hotels and rental car locations, where the final purchase amount is unknown at the time of authorization, a hold may be placed on your available funds for an amount equal to the quoted daily rate, plus 15% to cover incidental expenses added to the final xxxx. The held funds will not be available to you for any other purpose until the merchant has settled with your account. Any excess will be released for your use when the transaction is settled. This rule applies only to signature-based transactions where you do not use your PIN to make withdrawals from your Account by means of complete the various facilities we make available. 3.2 Where the service is availabletransaction. Cash refunds will not be made to you for POS purchases. If a merchant gives you a credit for merchandise returns or adjustments, it may also be possible do so by processing a credit adjustment, which we will apply as a credit to use the Card, Card number and PIN your available funds. We may refuse to make deposits into your Account. 3.3 When using authorize a Card for a Card Transaction, transaction if: (a) it would exceed the Card Transaction will be properly authorised: a. by amount that the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key State has been used authorisation cannot be withdrawn; or b. by the Authorised User signing a receipt for the Card Transaction. If the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted. 3.4 Card Transactions will be shown on the statement we provide or advised us to make available for your Accountuse; (b) the Card is reported lost or stolen; (c) we believe the Card is counterfeit; or (d) we are uncertain whether the transaction is authorized by you. We recommend that may temporarily “freeze” your Card and attempt to contact you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need note transactions that are unusual or appear suspicious. You may not use your Card to involve themperform transactions that exceed the amount of funds made available to you through this program by the State. In some cases, we will need you or an Authorised User There may be occasions when deposits are posted to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly applyyour account in error, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account funds added that would do not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability belong to you. You must notify are not authorized to spend these funds because the State has not authorized us to make these funds available through your Card. In such events, this error will be corrected as soon as possible after known and funds will be adjusted in your account. Should the adjustment result in your account balance becoming negative, a notice letter will be mailed to you become aware explaining the error and the reason for the adjustment. If you have spent the funds before the error is identified, the amount to be repaid will be automatically deducted from future payments to your account, as described in Section 9 or you may be asked to make payment to us to cover the negative balance. You may not use the Integrated Voice Response (IVR) service associated with your Card to make an electronic payment or to electronically send funds outside of the United States. Your Card must not be used for any incorrect unlawful purpose (for example, funding any account that is set up to facilitate Internet gambling). You agree to take steps to ensure that you do not use your Card Transaction on or the account underlying the Card for any transaction that is illegal under the laws governing your Account. 3.6 Where a Card Transaction is made and the underlying account. In addition, Xxxxx Fargo Bank, N.A. (as the issuer of your Card) reserves the right to deny transactions or authorizations from merchants apparently engaging in a foreign currency (where this service is available the Internet gambling business or identifying themselves through the Card ACIDFC02 transactions record or otherwise as engaged in such business. You may stop payment on a Card), we will convert it into £ sterling on preauthorized recurring payment by either calling us or writing us at least three business days before the day we debit date of the payment (in £ sterling) to your Account using the Payment Scheme Exchange Rate. We addpayment.

Card Transactions. 3.1 Authorised Users can use their Card Depending on the spending tier options you have selected for the Authorized User on the Application, the Cards may be used for the following purposes: (a) Point-of-Sale Transactions. Cards may be used for point-of-sale (“POS”) transactions to purchase goods and PIN services for business purposes at any merchant location where Visa Business Check cards are honored. However, we are not responsible for the refusal of any merchant to make withdrawals from accept or honor a Card. For purposes of calculating your Account by means of daily POS purchase limits for transactions conducted with the various facilities Card(s), we make availabledefine our “day” as midnight to midnight. 3.2 Where the service is available, it may also be possible to use the Card, Card number and PIN to make deposits into your Account. 3.3 When using a Card for a Card Transaction, the Card Transaction will be properly authorised: a. by the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation cannot be withdrawn; or b. by the Authorised User signing a receipt for the Card Transaction. If the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted. 3.4 Card Transactions will be shown on the statement we provide or make available for your Account. We recommend that you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need to involve them. In some cases, we will need you or an Authorised User to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly apply, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account that would not have been incurred had we applied the Card Transaction correctly(b) Automated Teller Machine Transactions. If you are not selected a Micro-enterprise, then we shall have no further liability to you. You must notify us as soon as possible after you become aware of any incorrect Card Transaction on your Account. 3.6 Where a Card Transaction is made in a foreign currency transaction option for one or more Authorized Users which permits transactions by automated teller machine (where this service is available on a Card“ATM”), we will convert it into £ sterling issue a PIN for use with those Cards. This will enable the Authorized User to obtain cash at any ATM displaying the Visa®, Plus®, Star® or Interlink® logo. The number and amount of transactions which can be made in one day through ATMs will be restricted depending on the day we debit spending tier option you selected. All PINs must be kept in confidence by you and by the payment (in £ sterling) Authorized User. You agree to take all necessary steps and institute all appropriate precautions and security measures to protect and maintain the secrecy and security of each PIN. You further agree to instruct the Authorized Users concerning the proper business use of the Cards and the appropriate procedures which must be followed to maintain the confidentiality and security of the Cards and the associated PINs. If you or the Authorized Users permit someone to use a Card and associated PIN, you will be liable for all Card transactions and cash withdrawals which may result. All ATM transactions performed with the Cards are subject to the “Cut-Off” times established from time to time by the owners or operators of the ATM for processing ATM transactions, and any ATM transaction initiated after the “Cut-Off” time will be posted to your Account using on the Payment Scheme Exchange Ratefollowing business day. We addFor purposes of calculating your daily ATM withdrawal limit for transactions conducted with the Card(s), we define our “day” as midnight to midnight. (c) Cash Advance Transactions. If you have selected a transaction option for one or more of the Authorized Users which permits cash advance transactions, those Authorized Users may make withdrawals, either in cash or by purchasing traveler’s cheques or any negotiable instrument, at any Bank branch and at any bank which honors Visa cards.

Card Transactions. 3.1 Authorised Users You can use their your Card and PIN to make withdrawals purchases at POS terminals, and merchant locations that accept Visa debit cards. With your PIN, you may use your Card to obtain cash from any ATM or any POS device, as permissible by merchant, that bears the Visa®, Plus®, Maestro®, Interlink®, Allpoint®, MoneyPass®, Comerica Bank, or Accel/Exchange® acceptance xxxx. When you use the Card to initiate a transaction at certain merchants, such as hotels, a hold may be placed on your Account by means available Card funds for an amount equal to or in excess of your ultimate transaction. The held funds will not be available to you for any other purpose. Any excess will be released for your use when the various facilities we make available. 3.2 Where the service transaction is availablefinally settled. Cash refunds will not be made to you for POS purchases. If a merchant gives you a credit for merchandise returns or adjustments, it may also be possible do so by processing a credit adjustment, which we will apply as a credit to use the Card, your Card number and PIN account. We may refuse to make deposits into your Account. 3.3 When using authorize a Card for a Card Transaction, transaction if: (a) it would exceed the Card Transaction will be properly authorised: a. by the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation cannot be withdrawn; or b. by the Authorised User signing a receipt for the Card Transaction. If the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted. 3.4 Card Transactions will be shown on the statement we provide or make amount available for your Accountuse; (b) the Card is reported lost or stolen; (c) we believe the Card is counterfeit; or (d) we are uncertain whether the transaction is authorized by you or permitted by law. We recommend that may temporarily “freeze” the Card and attempt to contact you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need note transactions that are unusual or appear suspicious. You may not use the Card to involve themperform transactions that exceed the amount of funds made available to you. In some cases, we will need you or an Authorised User There may be occasions when deposits are posted to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly applyyour account in error, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account funds added that would do not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability belong to you. You must notify are not authorized to spend these funds because the Payor has not authorized us as soon as possible after to make these funds available through the Card. In such events, this error will be corrected once discovered and funds will be adjusted in your account. Should the adjustment result in your account becoming negative, a notice letter will be sent to you become aware of any incorrect Card Transaction on your Account. 3.6 Where a Card Transaction explaining the error and the reason for the adjustment. If you have spent the funds before the error is made in a foreign currency (where this service is available on a Card)identified, we will convert it into £ sterling on the day we debit the payment (in £ sterling) amount to be repaid may be automatically deducted from future payments to your Account using account as described in Section 9 of this document. Your Card must not be used for any unlawful purpose (for example, to facilitate Internet gambling). You agree not to use your Card calling us or writing us at least three business days before the Payment Scheme Exchange Rate. We adddate of the payment.

Card Transactions. 3.1 Authorised Users can use their 4.1 You cannot stop or reverse a Transaction you have made using your Card and PIN to make withdrawals from your Account or Card number once the Transaction has been completed (whether or not you have entered a PIN, Safeguard System passcode, Security Details, or signed a voucher or by means way of Contactless Transaction) as we guarantee the various facilities we make availablepayment. 3.2 Where 4.2 If you have recurring Transactions (also known as ‘Continuous Payment Authorities’) set up on your Card (such as Internet or magazine subscription) and you wish to cancel them, you can do so by contacting us up to the service last Banking day before the payment is available, it may also be possible due to use the Card, Card number and PIN to make deposits into leave your Account. You should also contact the company or service provider to advise them that you are cancelling the recurring Transaction. 3.3 When using 4.3 Transactions may take a Card for a Card Transaction, the Card Transaction will be properly authorised: a. by the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation cannot be withdrawn; or b. by the Authorised User signing a receipt for the Card Transactionnumber of days to appear on your statement. If there are any mistakes on your statement or you have any questions about the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted. 3.4 Card Transactions will be shown information on the statement we provide or make available for your Accountit, you should contact us as soon as possible. We recommend that you check review your statement regularly. 4.4 You are Liable (except as mentioned in section 2, ‘Loss or misuse of a Card, Device or Security Details’) for paying: a) all Transactions; and b) all interest and charges as mentioned in these Terms and Conditions of use, your relevant Allied Irish Bank (GB) Account Terms and Conditions and the Charges Explained brochure; and c) all losses and reasonable costs which we have to pay as a result of you breaking this Agreement. 4.5 When you use your Card to withdraw cash or to carry out any Transaction in a currency other than sterling, you will have to pay extra charges for non-sterling Transactions. You can get details about how we apply these charges from the relevant sections in the Visa Debit Card User Guide or our Charges Explained brochure which you can get in any of our branches and on our Website. You can also call our Helpline. We have no control over third parties that might apply a charge for processing the Transaction or who convert the local currency into sterling and charge for doing this. We also have no control over the rates they may apply. 4.6 The available balance on your Account may reflect: a) any Authorisation we have given for a Transaction which has already been carried out but has not yet appeared on your statement; or b) any Authorisation we have given for a Transaction which has not yet been carried out but for which we have been asked to authorise an estimated amount. 4.7 Once a Transaction has been entered on your Account both you and we will be bound by that Transaction, unless the details of it are proved to be incorrect. If we think you have acted fraudulently or with intent or Gross negligence, it will be our responsibility to prove it. We must also prove that you have received your Card if there is any dispute about this. If you have any questions about Transactions on your Account, you should contact us as soon as possible and in any case no later than 13 months after the date of the Transaction. 4.8 If the Account is in joint names and we issue Cards for that Account, you and all the other Account Holders will be Jointly and severally bound by these Conditions. Whether you receive a Card yourself or not, you must keep to all these Conditions and make sure that you pay in full any money you owe to us. If one of you gives us an entry instruction about the Card, we may act on it even if the other Account Holders do not agree. 4.9 We may, without notice, refuse Authorisation for a Transaction if we have good reason to believe that: a) the security of the Account, Card or Device is compromised; b) the Account, Card or Device could be used to commit fraud, or by someone who does not have authority to use it; c) the Transaction seems unusual compared with the way you normally use your Card, Account or Device; d) in the case of a Payment Service that offers you credit (for example, an overdraft), there is a significantly increased risk that you may not be able to pay back the money you have borrowed; or e) the Transaction would damage our reputation, then we may prevent or stop any Transaction on your Account. Where applicable, we will try to contact you before we take a decision to decline a Transaction, but it may not always be possible for us to do so. Please refer to ’Contacting you’ section for the ways in which seems we can communicate with you. If we contact you by text message you may be asked to confirm a Transaction by responding to the text message with a ‘Y’ or ‘N’ reply. The text will come from +000000000000. This is a number for texting only and it won’t answer if you ring it. We will not ask you for any personal information, account numbers or PIN numbers. If you are not happy to answer the text, contact us on a trusted number found on our Website or correspondence that is known to be wrong authentic, such as a statement. If you do not have a mobile phone or your phone does not receive text messages, we will try to call you. If we are unable to make contact with you by phone we will send you a letter asking that you contact us. 4.10 When shopping online with participating retailers who take part in the Verified by Visa scheme, we may ask you for some extra Security Details to give you an additional level of protection against unauthorised use of your Card. All you need to do is ensure that you have a valid mobile phone number registered with us because we may send you a one time passcode to complete the online Transaction. You may not be able to proceed with your online purchase if you do not register your mobile number with us. You should take all reasonable steps to keep your Security Details secure at all times and you should not share it with anyone. 4.11 When you make a Transaction using your Card, the available balance on your Account will usually be reduced immediately by the amount of the Transaction. Sometimes, an Outlet (for example a self-service petrol station or a hotel) may obtain a specific pre- authorisation for an amount agreed with you. This may reduce your available balance, although that pre-authorised amount may only be charged by the hotel or petrol station to your Account where you have obtained goods or services to the value of the pre-authorised amount. Once the Outlet instructs us to, we will remove the pre- authorised amount as soon as possible. We recommend that you review your Account details online on a regular basis. Please contact us if you have any queries. 5.1 If you are not happy with something you have paid for using your Card and the Outlet agrees to give you a refund, they must issue a refund which will then be processed by us and the amount credited to your Account. For non-sterling Transactions the amount actually credited to your Account may, following deduction of relevant fees and charges, differ from the original amount of the Transaction carried out on your Account. We will not accept any other method of refund. Unless the law says otherwise, you cannot use a claim you have made against an Outlet as a defence or claim against us. 5.2 We cannot be held Liable (whether or not you make or try to make a Transaction) for: a) any other person failing, or taking longer than expected, to accept your Card, Device or Card number; b) the way in which any other person communicates that they failed or took longer than expected to accept your Card, Device or Card number, or refused to authorise a Transaction; or c) The publication of a refusal of Authorisation of any Transaction. 5.3 Where a payment from your Account has been initiated by or through a Payee, you may be entitled to a refund if: a) the authorisation you gave did not specify the exact amount of the payment; or b) the payment made from your Account was more than reasonably expected, taking into account your previous spending pattern, the terms and conditions of your Account or Card and the circumstances surrounding the payment. To request a refund, you must tell us as soon as possible so that we can sort it out. Delay if either or both of the above happen and, in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and case, no later than 8 weeks after the police, if we need to involve them. In some cases, we will need you or an Authorised User to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly apply, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account that would not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability to you. You must notify us as soon as possible after you become aware of any incorrect Card Transaction on amount is taken from your Account. 3.6 Where 5.4 We will refund you within 10 Banking days of your request or of receiving any information we ask you to provide to us. If we refuse your request for a Card Transaction is made in a foreign currency (where this service is available on a Card), refund we will convert it into £ sterling inform you of this within the same timeframe along with our reasons. 5.5 You are not entitled to a refund where: a) you have given consent directly to the Payment Service Provider for the Transaction; and b) information on the day we debit the payment (Transaction was provided or made available in £ sterling) an agreed manner to your Account using you by the Payment Scheme Exchange RateService Provider or Payee at least four weeks before the due date. 5.6 If we refuse your refund request, and you do not agree with this decision you may refer to the Financial Ombudsman Service. We addPlease see the ‘Complaints’ section for details.

Card Transactions. 3.1 Authorised Users can use their Card and PIN to make withdrawals from your Account by means of the various facilities we make available. 3.2 Where the service is available, it may also be possible to use the Card, Card number and PIN to make deposits into your Account. 3.3 When using a Card for a Card Transaction, the Card Transaction will be properly authorised: a. (a) by the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation cannot be withdrawn; or b. (b) by the Authorised User signing a receipt for the Card Transaction. If the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted. 3.4 Card Transactions will be shown on the statement we provide or make available for your Account. We recommend that you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need to involve them. In some cases, we will need you or an Authorised User to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 0845 835 7922 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly apply, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account that would not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability to you. You must notify us as soon as possible after you become aware of any incorrect Card Transaction on your Account. 3.6 Where a Card Transaction is made in a foreign currency (where this service is available on a Card)currency, we will convert it into £ sterling on the day we debit the payment (in £ sterling) to your Account using the Payment Scheme Exchange Rate. We addadd a 2.75% non-sterling transaction fee to the converted sterling amount and this fee and the converted sterling amount will be shown on the statement for your Account. The day the currency conversion is carried out may be after the day the Card Transaction was carried out. You can find out the Payment Scheme Exchange Rate by calling us on 0000 000 0000. The Payment Scheme Exchange Rate changes on a daily basis; is applied immediately and without giving you any prior notice. Cash withdrawals abroad are subject to a charge of 1.5% of the transaction amount (minimum £1.50) plus the 2.75% non-sterling transaction fee. 3.7 Authorised Users may use their Cards to withdraw cash of up to £500 per day, in amounts of £200 or less (provided funds are available) from cash machines in the UK as well as banks and bureaux de change showing the VISA sign abroad. If a Card is used to draw cash from a machine operated by another bank, there may be a handling charge levied by a third party. 3.8 A Card and PIN can be used in some cash machines to get information about your Account. By signing this Agreement you give us your consent to disclose this information to an Authorised User. 3.9 When a Card is used to withdraw cash from a cash machine, we will debit that amount, plus any handling charge, from your Account. This applies whether or not the Account is already overdrawn or becomes overdrawn as a result. 3.10 When a Card is issued to withdraw money from a cash machine, we may be contacted for confirmation – or ‘authorisation’ – that we will pay the Card Transaction. We have the right to refuse authorisation for any particular Card Transaction if reasonable, for example if the Transaction results in the Account becoming overdrawn or exceeding a limit, you are in breach of this Agreement, or we (or the systems we use) reasonably suspect the Card Transaction is fraudulent. If authorisation is given, that Card Transaction will immediately reduce the total amount that can be drawn from your Account, even though the payment has not actually been deducted from the Account by then. If any Card Transaction is declined you may contact us on 0000 000 0000 or in writing at Business Card Services, TSB Bank plc, Barnwood 0, Xxxxxx Xxx, Xxxxxxxx, Xxxxxxxxxx, XX0 0XX. If we have declined the Card Transaction we will, where reasonably possible, tell you why the Card Transaction was declined. If the reason for our declining the Card Transaction was based on incorrect information, we will agree with you what needs to be done to correct that information. 3.11 We are not liable if any bank, cash terminal or other machine refuses a Card.

Card Transactions. 3.1 Authorised Users can You may use their your Card at ATMs and merchant and bank locations worldwide wherever MasterCard debit cards are accepted as well as other networks in which the Bank participates. When you use your Card to initiate a transaction at certain merchants locations, such as hotels and rental car locations, where the final purchase amount is unknown at the time of authorization, a hold may be placed on your available funds for an amount equal to the quoted daily rate, plus 15% to cover incidental expenses added to the final xxxx. The held funds will not be available to you for any other purpose until the merchant settles the transaction. Any excess will be released for your use when the transaction is settled. This rule applies only to signature-based transactions where you do not use your PIN to make withdrawals from your Account by means of complete the various facilities we make available. 3.2 Where the service is availabletransaction. Cash refunds will not be made to you for POS purchase-returns. If a merchant gives you a credit for merchandise returns or adjustments, it may also be possible do so by processing a credit adjustment, which we will apply as a credit to use your Card’s available funds. We may limit the Cardnumber of transactions that we authorize during a period of time. We reserve the right to deny certain transactions for any reason, Card number and PIN including your default, suspected fraudulent or unlawful activity, or any indication of increased risk related to make deposits into your Account. 3.3 When using a Card for a Card Transactionthe transaction. For security reasons, the Card Transaction will be properly authorised: a. by the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation we cannot provide details of how the authorization system works. You agree that we will not be withdrawn; or b. by the Authorised User signing a receipt liable for the Card Transactionfailing to give an authorization. If the Authorised User has signed a receipt for authorization is denied, we may notify the Card Transaction authorisation cannot be withdrawn once person who attempted the signed voucher transaction that it has been accepted. 3.4 refused. We may refuse to authorize a Card Transactions will be shown on transaction if: (a) it would exceed the statement we provide or amount that the State has advised us to make available for your Accountuse; (b) the Card is reported lost or stolen; (c) we believe the Card is counterfeit; (d) we are uncertain whether the transaction is authorized by you;(e) it is not permitted by the State; or (f) it is not permitted by this Agreement. We recommend that may temporarily “freeze” your Card and attempt to contact you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need note transactions that are unusual or appear suspicious. You may not use your Card to involve themperform transactions that exceed the amount of funds made available to you through this program by the State. In some cases, we will need you or an Authorised User to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly apply, or omit to apply, a Card Transaction There may be 05775CA-CC-015 occasions when deposits are posted to your Account, we will correct our act Card in error or omission and refund to you any interest and charges directly incurred by you on your Account funds are added that would do not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability belong to you. You must notify are not authorized to spend these funds because the State has not authorized us to make these funds available through your Card. In such event, errors will be corrected as soon as possible they are known and your Card balance will be adjusted. Should the adjustment result in a negative balance on your Card, a notice will be mailed to you explaining the error and the reason for the adjustment. If you have spent the funds before the error is identified, the amount to be repaid will be automatically deducted from future deposits to your Card, as described in Section 9 or you may be asked to make payment to us to cover the negative balance. Your Card must not be used for any unlawful purpose (for example, funding any account that is set up to facilitate Internet gambling). You agree to take steps to ensure that you do not use your Card or the account underlying the Card for any transaction that is illegal under the laws governing your Card. In addition, the Bank reserves the right to not authorize transactions with merchants that appear to engage in internet gambling or identify themselves through the Card transaction records or otherwise as engaging in such business. Please be advised that you may experience difficulties using your Card at: unattended vending machines and kiosks; gas station pumps (you may go inside to pay); and certain other merchants, such as rental car companies, where a preauthorized amount may be held until a final xxxx is rendered. As described above, the held funds will not be available to you for any other purpose until the merchant settles the transaction. You may stop a pre-authorized payment from your Card by calling us at 1-877-777- 1617 or writing us at Customer Account Services, X.X. Xxx 000000, Xxx Xxxxxxx, Xxxxx 00000-0000. We must receive your request at least three (3) business days before the payment is scheduled to be made. You also must notify the payee. (Note: If we do not receive your request at least three (3) business days before the scheduled payment, we may attempt, at our sole discretion, to stop the payment. However, we assume no responsibility for our failure or refusal to do so, even if we accept your stop payment request). If you call us, we may also require you to put your request in writing and provide it to us within 14 days after you become aware call. If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your Card. For individual payments, please specify the exact amount (dollars and cents) of any incorrect Card Transaction on the payment you want to stop, the scheduled date of the payment, and the identity of the payee. Unless you tell us that all future payments to a specific payee are to be stopped, we may treat your Account. 3.6 Where stop payment order as a Card Transaction request concerning the one payment only. Our liability for failure to stop payment of preauthorized transactions. If you order us to stop one of these payments 3 business days or more before the transaction is made in a foreign currency (where this service is available on a Card)scheduled and we do not do so, we will convert it into £ sterling on the day we debit the payment (in £ sterling) to be liable for your Account using the Payment Scheme Exchange Rate. We addlosses or damages.

Card Transactions. 3.1 Authorised Users You can use their your Card to obtain cash at ATMs and to make purchases at any merchant accepting MasterCard debit cards or debit cards of other networks in which the Bank participates. When you use your Card to initiate a transaction at certain merchants locations, such as hotels and rental car locations, where the final purchase amount is unknown at the time of authorization, a hold may be placed on your available funds for an amount equal to the quoted daily rate, plus 15% to cover incidental expenses added to the final xxxx. The held funds will not be available to you for any other purpose until the merchant has settled the transaction. Any excess will be released for your use when the transaction is settled. This rule applies only to signature-based transactions where you do not use your PIN to complete the transaction. (c) we believe the Card is counterfeit; (d) we are uncertain whether the transaction is authorized by you; (e) it not permitted by the Agency; or (f) 05775NCDS008 it is not permitted by this Agreement. We may temporarily “freeze” your Card and PIN attempt to make withdrawals from contact you if we note transactions that are unusual or appear suspicious. You may not use your Account by means Card to perform transactions that exceed the amount of the various facilities we make available. 3.2 Where the service is available, it may also be possible funds made available to use the Card, Card number and PIN to make deposits into your Account. 3.3 When using a Card for a Card Transaction, the Card Transaction will be properly authorised: a. you through this program by the Authorised User using the State. There may be occasions when deposits are posted to your Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation cannot be withdrawn; or b. by the Authorised User signing a receipt for the Card Transaction. If the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted. 3.4 Card Transactions will be shown on the statement we provide or make available for your Account. We recommend that you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need to involve them. In some cases, we will need you or an Authorised User to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User. 3.5 If we incorrectly applyerror, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account funds added that would do not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability belong to you. You must notify are not authorized to spend these funds because the State has not authorized us to make these funds available through your Card. In such event, errors will be corrected as soon as possible known and your Card balance adjusted. Should the adjustment result in a negative balance on your Card, a notice will be mailed to you explaining the error and the reason for the adjustment. If you have spent the funds before the error is identified, the amount to be repaid will be automatically deducted from future deposits to your Card, as described in Section 9 or you may be asked to make payment to us to cover the negative balance. Your Card must not be used for any unlawful purpose (for example, funding any account that is set up to facilitate Internet gambling). You agree to take steps to ensure that you do not use your Card or the account underlying the Card for any transaction that is illegal under the laws governing your Card. In addition, the Bank reserves the right to deny transactions or authorizations from merchants apparently engaging in Internet gambling or identifying themselves through the Card transaction records or otherwise as engaged in such business. Please be advised that you may experience difficulties using your Card at: unattended vending machines and kiosks; gas station pumps (you may go inside to pay); and certain other merchants, such as rental car companies, where a preauthorized amount may be held until a final xxxx is rendered. As described above, the held funds will not be available to you for any other purpose until the merchant has settled the transaction. Recurring pre-authorized Payments. You may use your Card to make regular, recurring pre-authorized payments to merchants by giving your Card information to a merchant. If these payments may vary in amount, you will be told the amount 10 days before such payment or ou may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. You have the right to stop a pre-authorized payment from your Card if you call us at 0-000-000-0000 or write to us at Customer Account Services, X.X. Xxx 000000, Xxx Xxxxxxx, Xxxxx 00000-0000. We must receive your request at least three (3) business days before the payment is scheduled to be made. You also must notify the payee. (Note: If we do not receive your request at least three (3) business days before the scheduled payment, we may attempt, at our sole discretion, to stop the payment. However, we assume no responsibility for our failure or refusal to do so, even if we accept your stop payment request). If you call, we may require you to put your request in writing to us revoking the payee’s authority to originate debits to your Card, within 14 days after you become aware call. If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your Card. For individual payments, please specify the exact amount (dollars and cents) of any incorrect Card Transaction on the transfer you want to stop, the date of the transfer, and the identity of the payee. Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your Account. 3.6 Where stop payment order as a Card Transaction request concerning the one transfer only. If you order us to stop one of these payments at least three (3) business days before the transfer is made in a foreign currency (where this service is available on a Card)scheduled and we do not do so, we will convert it into £ sterling on the day we debit the payment (in £ sterling) to be liable for your Account using the Payment Scheme Exchange Rate. We addlosses or damages.