Common use of Card Use Clause in Contracts

Card Use. 4.1 The Card entitles the Customer, within the credit card or cash withdrawal limits (“Spending Limits”) to buy goods and services from mer- chants and service providers (“Acceptance Points”) participating in the worldwide card net- work (e.g., American Express, Mastercard, Visa; collectively referred to as “Card Network”). 4.2 If provided by Swisscard for the relevant Card, the Customer may also make cash withdraw- als from certain bank counters and ATMs. 4.3 Swisscard may adjust or restrict the possible uses of the Card at any time (e.g. with respect to the amount or certain Acceptance Points, coun- tries or currencies) or else provide additional pos- sibilities of use of the Card (e.g. paying for Trans- actions using a credit balance in bonus and loyalty programs or paying for invoices by Card). 4.4 The Customer may use the card only within the limits of his financial capacities. In particular, the Customer must not use the Card if insolvent or whenever it appears likely that he will not be able to meet his financial obligations. Card use for purposes that are unlawful or in breach of contract is prohibited. No Transactions are permitted in countries in which there are relevant sanctions and embargoes against card use. To see the cur- rent list of such countries, ask customer service or go to xxxxx://xxx.xxxxxxxxx.xx/en/private- customers/services/card-acceptance. 4.5 Card use and charging of the Card Account (each of which shall be referred to as a “Transac- tion”) shall deemed to have been approved by the Customer in the following cases: a. In the case of card payments on site (includ- ing cash withdrawals at bank counters or from ATMs): With (i) the signing of the trans- action receipt (the signature must match the signature on the Card and the Acceptance Point may require the presentation of an of- ficial identity document); (ii) entry of the PIN code or (iii) mere card use (e.g. at automated points of payment [parking garage, motor- way] or with contactless payment). b. In the case of distance payments (e.g. via in- xxxxxx, by app, over the telephone or by corre- spondence): by specifying the name printed on the Card, the card number, the expiry date and (if requested) the card security code (CVV, CVC). It may also be necessary to enter an mTAN (see 5.1b), a password or approval via the Swisscard Online service (see 6). c. By using other Means of Identification autho- rized by Swisscard to that purpose (see 5) or in other ways agreed on with Swisscard (e.g. according to separate terms of use for mobile payment solutions). Transactions mentioned in items (a) to (c) above may also be carried out using updating and tokeni- sation services (see 9.2). 4.6 The Customer shall acknowledge all claims resulting from approved Transactions under 4.5 and hereby irrevocably instructs Swisscard to pay the amounts in question to the Acceptance Points, thereby giving Swisscard the right but not the obligation to authorize Transactions.

Card Use. 4.1 The Card entitles the Customer, within the credit card or cash withdrawal limits (“Spending Limits”) to buy goods and services from mer- chants and service providers (“Acceptance Points”) participating in the worldwide card net- work (e.g., American Express, Mastercard, Visa; collectively referred to as “Card Network”). 4.2 If provided by Swisscard for the relevant Card, the Customer may also make cash withdraw- als from certain bank counters and ATMs. 4.3 Swisscard may adjust or restrict the possible uses of the Card at any time (e.g. with respect to the amount or certain Acceptance Points, coun- tries or currencies) or else provide additional pos- sibilities of use of the Card (e.g. paying for Trans- actions using a credit balance in bonus and loyalty programs or paying for invoices by Card). 4.4 The Customer may use the card only within the limits of his financial capacities. In particular, the Customer must not use the Card if insolvent or whenever it appears likely that he will not be able to meet his financial obligations. Card use for purposes that are unlawful or in breach of contract is prohibited. No Transactions are permitted in countries in which there are relevant sanctions and embargoes against card use. To see the cur- rent list of such countries, ask customer service or go to xxxxx://xxx.xxxxxxxxx.xx/en/private- customers/services/card-acceptance. 4.5 Card use and charging of the Card Account (each of which shall be referred to as a “Transac- tion”) shall deemed to have been approved by the Customer in the following cases: a. In the case of card payments on site (includ- ing cash withdrawals at bank counters or from ATMs): With (i) the signing of the trans- action receipt (the signature must match the signature on the Card and the Acceptance Point may require the presentation of an of- ficial identity document); (ii) entry of the PIN code or (iii) mere card use (e.g. at automated points of payment [parking garage, motor- way] or with contactless payment). b. In the case of distance payments (e.g. via in- xxxxxx, by app, over the telephone or by corre- spondencecorres- pondence): by specifying the name printed on the Card, the card number, the expiry date and (if requested) the card security code (CVV, CVC). It may also be necessary to enter an mTAN (see 5.1b), a password or approval via the Swisscard Online service (see 6). c. By using other Means of Identification autho- rized author- ized by Swisscard to that purpose (see 5) or in other ways agreed on with Swisscard (e.g. according to separate terms of use for mobile payment solutions). Transactions mentioned in items (a) to (c) above may also be carried out using updating and tokeni- sation services (see 9.2). 4.6 The Customer shall acknowledge all claims resulting from approved Transactions under 4.5 and hereby irrevocably instructs Swisscard to pay the amounts in question to the Acceptance Points, thereby giving Swisscard the right but not the obligation to authorize Transactions.