Common use of Cardholders Clause in Contracts

Cardholders. 7.1 We may issue a Card to you and to Cardholders. 7.2 Each Cardholder must sign the Card immediately on receiving it. 7.3 Each Cardholder accepts and agrees to be bound by these Terms and Conditions but only insofar as they create an obligation for the Cardholder (unless the Cardholder is a Customer in which case the Cardholder is bound by all of these terms and conditions). We deem the first use of the Card to be acceptance by the Cardholder of these Terms and Conditions. 7.4 We will provide each Cardholder with a PIN and also associated Security Credentials. These are important security features. The Cardholder must only use the PIN and any associated Security Credentials, to use the Card in compliance with these Terms and Conditions. 7.5 Each Cardholder must ensure that the PIN and any associated Security Credentials are not: 7.5.1 Revealed to anybody other than the Cardholder (for example, they should not reveal them even to you); 7.5.2 Recorded in a form that would be intelligible or otherwise accessible to anybody else if he or she got access to that record; 7.5.3 Recorded on any item which the Cardholder usually keeps or carries with the Card (for example, a mobile phone). 7.6 The Cardholder must always protect the Card and take the greatest possible care to ensure that it is not lost, mislaid or stolen. 7.7 The Cardholder must never use the Card: 7.7.1 For reasons unconnected to his or her employment by you; or 7.7.2 As payment for anything illegal. 7.8 You must promptly reimburse each Cardholder for any expense, cost or loss arising from the use of the Card which is incurred or paid for by a Cardholder from the Cardholder’s own funds or own account. Without prejudice to the generality of the foregoing, you agree to reimburse the Cardholder in respect of any interest which the Cardholder has to pay arising from your failure to reimburse the Cardholder promptly in accordance with this condition. 7.9 Where you fail to reimburse a Cardholder in accordance with condition

Cardholders. 7.1 We may issue a Card to you and to Cardholders. 7.2 Each Cardholder must sign the Card immediately on receiving it. 7.3 Each Cardholder accepts and agrees to be bound by these Terms and Conditions but only insofar as they create an obligation for the Cardholder (unless the Cardholder is a Customer in which case the Cardholder is bound by all of these terms and conditions). We deem the first use or activation of the Card to be acceptance by the Cardholder of these Terms and Conditions. 7.4 We will provide each Cardholder with a PIN and also associated Security Credentials. These are important security features. The Cardholder must only use the PIN and any associated Security Credentials, Credentials to use the Card in compliance with these Terms and Conditions. 7.5 Each Cardholder must ensure that the PIN and any associated Security Credentials are not: 7.5.1 Revealed to anybody other than the Cardholder (for example, they should not reveal them even to you); 7.5.2 Recorded in a form that would be intelligible or otherwise accessible to anybody else if he or she got access to that record; 7.5.3 Recorded on any item which the Cardholder usually keeps or carries with the Card (for example, a mobile phone). 7.6 The Cardholder must always protect the Card and take the greatest possible care to ensure that it is not lost, mislaid or stolen. 7.7 The Cardholder must never use the Card: 7.7.1 For reasons unconnected to his or her employment by you; or 7.7.2 As payment for anything illegal. 7.8 You must promptly reimburse each Cardholder for any expense, cost or loss arising from the use of the Card which is incurred or paid for by a Cardholder from the Cardholder’s own funds or own account. Without prejudice to the generality of the foregoing, you agree to reimburse the Cardholder in respect of any interest which the Cardholder has to pay arising from your failure to reimburse the Cardholder promptly in accordance with this condition. 7.9 Where you fail to reimburse a Cardholder in accordance with conditioncondition 7.8 on our request or the request of the relevant Cardholder, you irrevocably authorise us (a) to debit the Account by the amount which we certify to be appropriate to reimburse the Cardholder; and (b) with the amount so debited, to reimburse the Cardholder using any manner of payment we see fit. 7.10 For the avoidance of doubt, the agreement of the Cardholder to pay amounts due under these Terms and Conditions on your behalf does not give us the right to enforce payment of any amount due from you against the Cardholder (unless the Cardholder is a Customer). 7.11 We acknowledge and agree that we shall have no recourse to the Cardholder’s personal assets in respect of the use of the Card in accordance with these conditions. This Condition

Cardholders. 7.1 We may issue a Card to you and to Cardholders. 7.2 Each Cardholder must sign the Card immediately on receiving it. 7.3 Each Cardholder accepts and agrees to be bound by these Terms and Conditions but only insofar as they create an obligation for the Cardholder (unless the Cardholder is a Customer in which case the Cardholder is bound by all of these terms and conditions). We deem the first use or activation of the Card to be acceptance by the Cardholder of these Terms and Conditions. 7.4 We will provide each Cardholder with a PIN and may also associated Security Credentialshave the Cardholder create a 3D Secure Password. These are important security features. The Cardholder must only use the PIN and any associated Security Credentials, 3D Secure Password to use the Card in compliance with these Terms and Conditions. 7.5 Each Cardholder must ensure that the PIN and any associated Security Credentials the 3D Secure Password are not: 7.5.1 Revealed to anybody other than the Cardholder (for example, they should not reveal them even to you); 7.5.2 Recorded in a form that would be intelligible or otherwise accessible to anybody else if he or she got access to that record; 7.5.3 Recorded on any item which the Cardholder usually keeps or carries with the Card (for example, a mobile phone). 7.6 The Cardholder must always protect the Card and take the greatest possible care to ensure that it is not lost, mislaid or stolen. 7.7 The Cardholder must never use the Card: 7.7.1 For reasons unconnected to his or her employment by you; or 7.7.2 As payment for anything illegal. 7.8 You must promptly reimburse each Cardholder for any expense, cost or loss arising from the use of the Card which is incurred or paid for by a Cardholder from the Cardholder’s own funds or own account. Without prejudice to the generality of the foregoing, you agree to reimburse the Cardholder in respect of any interest which the Cardholder has to pay arising from your failure to reimburse the Cardholder promptly in accordance with this condition. 7.9 Where you fail to reimburse a Cardholder in accordance with conditioncondition 7.8 on our request or the request of the relevant Cardholder, you irrevocably authorises us (a) to debit the Account by the amount which we certify to be appropriate to reimburse the Cardholder; and (b) with the amount so debited, to reimburse the Cardholder using any manner of payment we see fit. 7.10 For the avoidance of doubt, the agreement of the Cardholder to pay amounts due under these Terms and Conditions on your behalf does not give us the right to enforce payment of any amount due from you against the Cardholder (unless the Cardholder is a Customer). 7.11 We acknowledge and agree that we shall have no recourse to the Cardholder’s personal assets in respect of the use of the Card in accordance with these conditions. This Condition 7.11 shall not however, be taken to limit: 7.11.1 our or your recourse against a Cardholder in respect of the use of a Card which is improper or in breach of these conditions; or 7.11.2 our recourse against a Cardholder where he or she is also the Customer (or one of them). 7.12 Nothing in this Condition 7 shall prejudice Condition 2.12 or diminish its effect.

Cardholders. 7.1 We may issue a Card to you and to Cardholders. 7.2 Each Cardholder must sign the Card immediately on receiving it. 7.3 Each Cardholder accepts and agrees to be bound by these Terms and Conditions but only insofar as they create an obligation for the Cardholder (unless the Cardholder is a Customer in which case the Cardholder is bound by all of these terms and conditions). We deem the first use or activation of the Card to be acceptance by the Cardholder of these Terms and Conditions. 7.4 We will provide each Cardholder with a PIN and may also associated Security Credentialshave the Cardholder create a 3D Secure Password. These are important security features. The Cardholder must only use the PIN and any associated Security Credentials, 3D Secure Password to use the Card in compliance with these Terms and Conditions. 7.5 Each Cardholder must ensure that the PIN and any associated Security Credentials the 3D Secure Password are not: 7.5.1 Revealed to anybody other than the Cardholder (for example, they should not reveal them even to you); 7.5.2 Recorded in a form that would be intelligible or otherwise accessible to anybody else if he or she got access to that record; 7.5.3 Recorded on any item which the Cardholder usually keeps or carries with the Card (for example, a mobile phone). 7.6 The Cardholder must always protect the Card and take the greatest possible care to ensure that it is not lost, mislaid or stolen. 7.7 The Cardholder must never use the Card: 7.7.1 For reasons unconnected to his or her employment by you; or 7.7.2 As payment for anything illegal. 7.8 You must promptly reimburse each Cardholder for any expense, cost or loss arising from the use of the Card which is incurred or paid for by a Cardholder from the Cardholder’s own funds or own account. Without prejudice to the generality of the foregoing, you agree to reimburse the Cardholder in respect of any interest which the Cardholder has to pay arising from your failure to reimburse the Cardholder promptly in accordance with this condition. 7.9 Where you fail to reimburse a Cardholder in accordance with conditioncondition 7.8 on our request or the request of the relevant Cardholder, you irrevocably authorises us (a) to debit the Account by the amount which we certify to be appropriate to reimburse the Cardholder; and (b) with the amount so debited, to reimburse the Cardholder using any manner of payment we see fit. 7.10 For the avoidance of doubt, the agreement of the Cardholder to pay amounts due under these Terms and Conditions on your behalf does not give us the right to enforce payment of any amount due from you against the Cardholder (unless the Cardholder is a Customer). 7.11 We acknowledge and agree that we shall have no recourse to the Cardholder’s personal assets in respect of the use of the Card in accordance with these conditions. This Condition

Cardholders. 7.1 We may issue a Card to you and to Cardholders. 7.2 Each Cardholder must sign the Card immediately on receiving it. 7.3 Each Cardholder accepts and agrees to be bound by these Terms and Conditions but only insofar as they create an obligation for the Cardholder (unless the Cardholder is a Customer in which case the Cardholder is bound by all of these terms and conditions). We deem the first use or activation of the Card to be acceptance by the Cardholder of these Terms and Conditions. 7.4 We will provide each Cardholder with a PIN and also associated Security Credentials. These are important security features. The Cardholder must only use the PIN and any associated Security Credentials, to use the Card in compliance with these Terms and Conditions. 7.5 Each Cardholder must ensure that the PIN and any associated Security Credentials are not: 7.5.1 Revealed to anybody other than the Cardholder (for example, they should not reveal them even to you); 7.5.2 Recorded in a form that would be intelligible or otherwise accessible to anybody else if he or she got access to that record; 7.5.3 Recorded on any item which the Cardholder usually keeps or carries with the Card (for example, a mobile phone). 7.6 The Cardholder must always protect the Card and take the greatest possible care to ensure that it is not lost, mislaid or stolen. 7.7 The Cardholder must never use the Card: 7.7.1 For reasons unconnected to his or her employment by you; or 7.7.2 As payment for anything illegal. 7.8 You must promptly reimburse each Cardholder for any expense, cost or loss arising from the use of the Card which is incurred or paid for by a Cardholder from the Cardholder’s own funds or own account. Without prejudice to the generality of the foregoing, you agree to reimburse the Cardholder in respect of any interest which the Cardholder has to pay arising from your failure to reimburse the Cardholder promptly in accordance with this condition. 7.9 Where you fail to reimburse a Cardholder in accordance with conditioncondition 7.8 on our request or the request of the relevant Cardholder, you irrevocably authorise us (a) to debit the Account by the amount which we certify to be appropriate to reimburse the Cardholder; and (b) with the amount so debited, to reimburse the Cardholder using any manner of payment we see fit. 7.10 For the avoidance of doubt, the agreement of the Cardholder to pay amounts due under these Terms and Conditions on your behalf does not give us the right to enforce payment of any amount due from you against the Cardholder (unless the Cardholder is a Customer). 7.11 We acknowledge and agree that we shall have no recourse to the Cardholder’s personal assets in respect of the use of the Card in accordance with these conditions. This Condition