Common use of Cards Clause in Contracts

Cards. 3.1.1. Where you have opened a Current Account, we may, where agreed by us, issue a Card to a person requested by you. It is your responsibility to distribute a Card to a Cardholder. 3.1.2. Where you have opened a Current Account which is also a Currency Account we may, where agreed by us, issue you with a Currency Card in the currency of the Currency Account. All transactions to the Card will then be debited from your Account in that currency pursuant to term 2.14.7. 3.1.3. A request to issue a Card must be accompanied by the prospective Cardholder’s signature and such evidence of authority from you that we specify. 3.1.4. The transactions undertaken by any Cardholder remain your responsibility. You undertake to ensure that all Cardholders adhere to these Terms in respect of the use and protection of each Card issued. 3.1.5. We may from time to time: a) issue a PIN, if requested by you or a Cardholder; b) renew a Card when it expires; c) replace a damaged Card, if requested by you or a Cardholder; d) replace a Card and change the PIN and Card number upon request if we reasonably believe that any of these is likely to be misused and that the replacements will not be misused; e) replace a Card and change the PIN and Card number in the event that we are satisfied by VISA that the Card may have become compromised; and f) replace a Card and change the PIN and Card number in order to enhance the security of the Card. 3.1.6. A Cardholder may only use his or her Card, PIN, and Card number before the expiry date shown on the Card. You undertake to ensure that each Cardholder will only use the Card and the PIN in accordance with these Terms. 3.1.7. All Cards will remain our property at all times. 3.1.8. A Cardholder may use a Card with the PIN to withdraw cash, up to reasonable pre-determined limits, from Lloyds Bank and certain other ATMs. If a Cardholder withdraws cash from a machine operated other than by Lloyds Bank, you may be charged a fee. The Cardholder should be notified of this fee at the time of withdrawal and the amount of the fee will be added to the withdrawal amount and debited to your Current Account. We are not liable for any failure to notify the Cardholder of any fee payable. 3.1.9. If an ATM withdrawal or Card Transaction is made in a currency other than the denomination currency of the Account, (including where a Card is used to make a withdrawal at an ATM outside the UK), we will convert the amount from the currency in which the transaction was made to the currency in which the Account is denominated on the day we receive notice of the transaction. We will use the VISA foreign exchange rate and charge a currency conversion charge in accordance with our Commercial Account Charges Schedule. Exchange rates may rise or fall and the exchange rate when the transaction is made may differ from the exchange rate used for conversion. Your statement will contain the exchange rate used for the Card Transaction and the applicable currency conversion charge. For more detail on the VISA foreign exchange rates, and on the applicable currency conversion charges, please refer to our Website. Your currency conversion charge will be shown as a percentage mark-up over the latest available foreign exchange rate issued by the European Central Bank (ECB). This will allow you to see the variance between the VISA foreign exchange rates used for conversion relative to the ECB rates. 3.1.10. Where a Cardholder uses a Currency Card to withdraw cash from an ATM outside the UK you should be aware that additional charges may apply, notwithstanding the fact that you may be withdrawing cash in the denomination currency of your Currency Card. 3.1.11. A Cardholder may use his or her Card or Card number to make Card Transactions, up to reasonable pre-determined limits, with suppliers of goods and services. 3.1.12. Accounts that will not be included in the available balance calculation include (but are not limited to) Fixed Term Deposit Accounts, Client Accounts, Notice Accounts and fixed term lending. 3.1.13. ATM withdrawals and Card Transactions will normally be debited to your Account within two Business Days. It may take longer than two Business Days however, and the debit may be delayed if the transaction is made abroad, or if the person who provides the ATM or the supplier delays in asking for payment, or for any other reason. 3.1.14. You undertake to ensure that a Cardholder will not use a Card or Card number to overdraw, except to the extent that we have agreed an Arranged Overdraft on your Account in advance. 3.1.15. We will debit from your Current Account the amount of each transaction made by use of a Card or Card number and all other amounts due to us under these Terms. We may debit these amounts: a) from money in your Current Account; b) from any Arranged Overdraft facility for your Current Account, if there is any available; or c) by causing an Unarranged Overdraft that we have not agreed in advance, or by increasing an Arranged Overdraft to a level that we have not agreed in advance. 3.1.16. You must, as soon as we ask, repay any Unarranged Overdraft which arises as a result of term 3.1.15(c). We may choose to debit any amount in priority to other drawings.

Cards. 3.1.1. Where you have opened a Current Account, we may, where agreed by us, issue a Card to a you, any joint Account holder, any person named on the Mandate or other person (such as your child) requested by you. It is your responsibility to distribute a Card to a Cardholderyou in writing. 3.1.2. Where you have opened a Current Account which is also a Currency Account we may, where agreed by us, issue you with a Currency Card in the currency of the Currency Account. All transactions to the Card will then be debited from your Account in that currency pursuant to term 2.14.72.15.6. 3.1.3. A request to issue a Card must be accompanied by the prospective Cardholder’s signature and such evidence of authority from you that we specify. 3.1.4. The transactions undertaken by any Cardholder remain your responsibility. You undertake to ensure that all Cardholders adhere to these Terms in respect of the use and protection of each Card issued. 3.1.5. We may from time to time: a) issue a PIN, PIN if requested by you or a Cardholder; b) renew a Card when it expires; c) replace a damaged Card, if requested by you or a Cardholder; d) replace a Card and change the PIN and Card number upon request if we reasonably believe that any of these is likely to be misused and that the replacements will not be misused; e) replace a Card and change the PIN and Card number in the event that we are satisfied by VISA that the Card may have become compromised; and f) replace a Card and change the PIN and Card number in order to enhance the security of the Card. 3.1.6. A Cardholder may only use his or her their Card, PIN, and Card number before the expiry date shown on the Card. You undertake to ensure that each Cardholder will only use the Card and the PIN in accordance with these Terms. 3.1.7. All Cards will remain our property at all times. 3.1.8. A Cardholder may use a Card with the PIN to withdraw cash, up to reasonable pre-determined limitsa daily limit, from Lloyds Bank and certain other ATMs. If a Cardholder withdraws cash from a machine operated other than by Lloyds Bank, you may be charged a fee. The Cardholder should be notified of this fee at the time of withdrawal and the amount of the fee will be added to the withdrawal amount and debited to your Current Account. We are not liable for any failure to notify the Cardholder of any fee payable. 3.1.9. If an ATM withdrawal or Card Transaction is made in a currency other than the denomination currency of the Account, Account (including where a Card is used to make a withdrawal at an ATM outside the UK), we will convert the amount from the currency in which the transaction was made to the currency in which the Account is denominated on the day we receive notice of the transaction. We will use the VISA foreign exchange rate rate, and charge a currency conversion charge in accordance with our Commercial Account Charges ScheduleFee Information Document. Exchange rates may rise or fall fall, and the exchange rate when the transaction is made may differ from the exchange rate used for conversion. Your statement will contain the exchange rate used for the Card Transaction and the applicable currency conversion charge. For more detail on the VISA foreign exchange rates, and on the applicable currency conversion charges, please refer to our Website. Your currency conversion charge will be shown as a percentage mark-up over the latest available foreign exchange rate issued by the European Central Bank (ECB). This will allow you to see the variance between the VISA foreign exchange rates used for conversion relative to the ECB rates. 3.1.10. Where a Cardholder uses a Currency Card to withdraw cash from an ATM outside the UK you should be aware that additional charges may applyapply in addition to those charges set out in our Fee Information Document, notwithstanding the fact that you may be withdrawing cash in the denomination currency of your Currency Card. 3.1.11. A Cardholder may use his or her their Card or Card number to make Card Transactions, up to reasonable pre-determined limitsa daily limit, with suppliers of goods and services. 3.1.12. When a Card Transaction needs to be authorised by the bank or its agents, it will check the Card’s available balance. The Card’s available balance is made up of the sum of the applicable Current Account and Personal Savings Account (Instant Access) balances and any Arranged Overdraft on that Current Account, less any posted spend and any other pre-authorised transactions. Accounts that will not be included in the available balance calculation include (but are not limited to) Fixed Term Deposit Accounts, Client Accounts, Notice Accounts and fixed term lending. 3.1.13. ATM withdrawals and Card Transactions will normally be debited to from your Account within two Business Days. It may take longer than two Business Days however, and the debit may be delayed if the transaction is made abroad, or if the person who provides the ATM or the supplier delays in asking for payment, or for any other reason. 3.1.14. You undertake to ensure that a Cardholder will must not use a Card or Card number to overdraw, except to the extent that we have agreed an Arranged Overdraft overdraft on your Account in advance. 3.1.15. We will debit from your Current Account the amount of each transaction made by use of a Card or Card number and all other amounts due to us under these Terms. We may debit these amounts: a) from money in your Current Account; b) from any Arranged Overdraft facility for your Current Account, if there is any available; or c) by causing an Unarranged Overdraft that we have not agreed in advanceOverdraft, or by increasing an Arranged Overdraft to a level that we have not agreed in advance. 3.1.16. You must, as soon as we ask, repay any Unarranged Overdraft overdraft which arises as a result of term 3.1.15(c)) above. We may choose to debit any amount in priority to other drawings.

Cards. 3.1.1. Where you have opened a Current Account, we may, where agreed by us, issue a Card to a you, any joint Account holder, any person named on the Mandate or other person (such as your child) requested by you. It is your responsibility to distribute a Card to a Cardholderyou in writing. 3.1.2. Where you have opened a Current Account which is also a Currency Account we may, where agreed by us, issue you with a Currency Card in the currency of the Currency Account. All transactions to the Card will then be debited from your Account in that currency pursuant to term 2.14.72.15.6. 3.1.3. A request to issue a Card must be accompanied by the prospective Cardholder’s signature and such evidence of authority from you that we specify. 3.1.4. The transactions undertaken by any Cardholder remain your responsibility. You undertake to ensure that all Cardholders adhere to these Terms in respect of the use and protection of each Card issued. 3.1.5. We may from time to time: a) issue a PIN, PIN if requested by you or a Cardholder; b) renew a Card when it expires; c) replace a damaged Card, if requested by you or a CardholderCardholder ; d) replace a Card and change the PIN and Card number upon request if we reasonably believe that any of these is likely to be misused and that the replacements will not be misused; e) replace a Card and change the PIN and Card number in the event that we are satisfied by VISA that the Card may have become compromised; and f) replace a Card and change the PIN and Card number in order to enhance the security of the Card. 3.1.6. A Cardholder may only use his or her their Card, PIN, and Card number before the expiry date shown on the Card. You undertake to ensure that each Cardholder will only use the Card and the PIN in accordance with these Terms. 3.1.7. All Cards will remain our property at all times. 3.1.8. A Cardholder may use a Card with the PIN to withdraw cash, up to reasonable pre-determined limitsa daily limit, from Lloyds Bank and certain other ATMs. If a Cardholder withdraws cash from a machine operated other than by Lloyds Bank, you may be charged a fee. The Cardholder should be notified of this fee at the time of withdrawal and the amount of the fee will be added to the withdrawal amount and debited to your Current Account. We are not liable for any failure to notify the Cardholder of any fee payable. 3.1.9. If an ATM withdrawal or Card Transaction is made in a currency other than the denomination currency of the Account, Account (including where a Card is used to make a withdrawal at an ATM outside the UK), we will convert the amount from the currency in which the transaction was made to the currency in which the Account is denominated on the day we receive notice of the transaction. We will use the VISA foreign wholesale rate of exchange rate applied by VISA, and charge a currency conversion charge commission in accordance with our Commercial Account Charges ScheduleFee Information Document. For more information on how VISA calculates this rate, please see the Website. Exchange rates may rise or fall and the exchange rate when the transaction is made may differ from the exchange rate used for conversion. Your The rate shown on your statement will contain the exchange rate used for the Card Transaction and the applicable currency conversion charge. For more detail on the VISA foreign exchange rates, and on the applicable currency conversion charges, please refer have been adjusted to take into account our Website. Your currency conversion charge will be shown as a percentage mark-up over the latest available foreign exchange rate issued by the European Central Bank (ECB). This will allow you to see the variance between the VISA foreign exchange rates used for conversion relative to the ECB ratescommission. 3.1.10. Where a Cardholder uses a Currency Card to withdraw cash from an ATM outside the UK you should be aware that additional charges may applyapply in addition to those charges set out in our Fee Information Document, notwithstanding the fact that you may be withdrawing cash in the denomination currency of your Currency Card. 3.1.11. A Cardholder may use his or her their Card or Card number to make Card Transactions, up to reasonable pre-determined limitsa daily limit, with suppliers of goods and services. 3.1.12. When a Card Transaction needs to be authorised by the bank or its agents, it will check the Card’s available balance. The Card’s available balance is made up of the sum of the applicable Current Account and Personal Savings Account (Instant Access) balances and any Arranged Overdraft on that Current Account, less any posted spend and any other pre-authorised transactions. Accounts that will not be included in the available balance calculation include (but are not limited to) Fixed Term Deposit Accounts, Client Accounts, Notice Accounts and fixed term lending. 3.1.13. ATM withdrawals and Card Transactions will normally be debited to from your Account within two Business Days. It may take longer than two Business Days however, and the debit may be delayed if the transaction is made abroad, or if the person who provides the ATM or the supplier delays in asking for payment, or for any other reason. 3.1.14. You undertake to ensure that a Cardholder will must not use a Card or Card number to overdraw, except to the extent that we have agreed an Arranged Overdraft overdraft on your Account in advance. 3.1.15. We will debit from your Current Account the amount of each transaction made by use of a Card or Card number and all other amounts due to us under these Terms. We may debit these amounts: a) from money in your Current Account; b) from any Arranged Overdraft facility for your Current Account, if there is any available; or c) by causing an Unarranged Overdraft that we have not agreed in advanceOverdraft, or by increasing an Arranged Overdraft to a level that we have not agreed in advance. 3.1.16. You must, as soon as we ask, repay any Unarranged Overdraft overdraft which arises as a result of term 3.1.15(c)) above. We may choose to debit any amount in priority to other drawings.

Cards. 3.1.1. Where you have opened a Current Account, we may, where agreed by us, issue a Card to a person requested by you. It is your responsibility to distribute a Card to a Cardholder. 3.1.2. Where you have opened a Current Account which is also a Currency Account we may, where agreed by us, issue you with a Currency Card in the currency of the Currency Account. All transactions to the Card will then be debited from your Account in that currency pursuant to term 2.14.7. 3.1.3. A request to issue a Card must be accompanied by the prospective Cardholder’s signature and such evidence of authority from you that we specify.specify.‌‌ 3.1.4. The transactions undertaken by any Cardholder remain your responsibility. You undertake to ensure that all Cardholders adhere to these Terms in respect of the use and protection of each Card issued. 3.1.5. We may from time to time: a) issue a PIN, if requested by you or a Cardholder; b) renew a Card when it expires; c) replace a damaged Card, if requested by you or a Cardholder; d) replace a Card and change the PIN and Card number upon request if we reasonably believe that any of these is likely to be misused and that the replacements will not be misused; e) replace a Card and change the PIN and Card number in the event that we are satisfied by VISA that the Card may have become compromised; and f) replace a Card and change the PIN and Card number in order to enhance the security of the Card. 3.1.6. A Cardholder may only use his or her Card, PIN, and Card number before the expiry date shown on the Card. You undertake to ensure that each Cardholder will only use the Card and the PIN in accordance with these Terms. 3.1.7. All Cards will remain our property at all times. 3.1.8. A Cardholder may use a Card with the PIN to withdraw cash, up to reasonable pre-determined limits, from Lloyds Bank and certain other ATMs. If a Cardholder withdraws cash from a machine operated other than by Lloyds Bank, you may be charged a fee. The Cardholder should be notified of this fee at the time of withdrawal and the amount of the fee will be added to the withdrawal amount and debited to your Current Account. We are not liable for any failure to notify the Cardholder of any fee payable. 3.1.9. If an ATM withdrawal or Card Transaction is made in a currency other than the denomination currency of the Account, (including where a Card is used to make a withdrawal at an ATM outside the UK), we will convert the amount from the currency in which the transaction was made to the currency in which the Account is denominated on the day we receive notice of the transaction. We will use the VISA foreign exchange rate and charge a currency conversion charge in accordance with our Commercial Account Charges Schedule. Exchange rates may rise or fall and the exchange rate when the transaction is made may differ from the exchange rate used for conversion. Your statement will contain the exchange rate used for the Card Transaction and the applicable currency conversion charge. For more detail on the VISA foreign exchange rates, and on the applicable currency conversion charges, please refer to our Website. Your currency conversion charge will be shown as a percentage mark-up over the latest available foreign exchange rate issued by the European Central Bank (ECB). This will allow you to see the variance between the VISA foreign exchange rates used for conversion relative to the ECB rates. 3.1.103.1.11. Where a Cardholder uses a Currency Card to withdraw cash from an ATM outside the UK you should be aware that additional charges may apply, notwithstanding the fact that you may be withdrawing cash in the denomination currency of your Currency Card. 3.1.113.1.12. A Cardholder may use his or her Card or Card number to make Card Transactions, up to reasonable pre-determined limits, with suppliers of goods and services. 3.1.123.1.13. Accounts that will not be included in the available balance calculation include (but are not limited to) Fixed Term Deposit Accounts, Client Accounts, Notice Accounts and fixed term lending. 3.1.133.1.14. ATM withdrawals and Card Transactions will normally be debited to your Account within two Business Days. It may take longer than two Business Days however, and the debit may be delayed if the transaction is made abroad, or if the person who provides the ATM or the supplier delays in asking for payment, or for any other reason. 3.1.143.1.15. You undertake to ensure that a Cardholder will not use a Card or Card number to overdraw, except to the extent that we have agreed an Arranged Overdraft on your Account in advance. 3.1.153.1.16. We will debit from your Current Account the amount of each transaction made by use of a Card or Card number and all other amounts due to us under these Terms. We may debit these amounts: a) from money in your Current Account; b) from any Arranged Overdraft facility for your Current Account, if there is any available; or c) by causing an Unarranged Overdraft that we have not agreed in advance, or by increasing an Arranged Overdraft to a level that we have not agreed in advance. 3.1.163.1.17. You must, as soon as we ask, repay any Unarranged Overdraft which arises as a result of term 3.1.15(c3.1.16(c). We may choose to debit any amount in priority to other drawings.

Cards. 3.1.1. Where you have opened a Current Account, we may, where agreed by us, issue a Card to a you, any joint Account holder, any person named on the Mandate or other person (such as your child) requested by you. It is your responsibility to distribute a Card to a Cardholderyou in writing. 3.1.2. Where you have opened a Current Account which is also a Currency Account we may, where agreed by us, issue you with a Currency Card in the currency of the Currency Account. All transactions to the Card will then be debited from your Account in that currency pursuant to term 2.14.72.15.6. 3.1.3. A request to issue a Card must be accompanied by the prospective Cardholder’s signature and such evidence of authority from you that we specify. 3.1.4. The transactions undertaken by any Cardholder remain your responsibility. You undertake to ensure that all Cardholders adhere to these Terms in respect of the use and protection of each Card issued. 3.1.5. We may from time to time: a) issue a PIN, PIN if requested by you or a Cardholder; b) renew a Card when it expires; c) replace a damaged Card, if requested by you or a Cardholder; d) replace a Card and change the PIN and Card number upon request if we reasonably believe that any of these is likely to be misused and that the replacements will not be misused; e) replace a Card and change the PIN and Card number in the event that we are satisfied by VISA that the Card may have become compromised; and f) replace a Card and change the PIN and Card number in order to enhance the security of the Card. 3.1.6. A Cardholder may only use his or her their Card, PIN, and Card number before the expiry date shown on the Card. You undertake to ensure that each Cardholder will only use the Card and the PIN in accordance with these Terms. 3.1.7. All Cards will remain our property at all times. 3.1.8. A Cardholder may use a Card with the PIN to withdraw cash, up to reasonable pre-determined limitsa daily limit, from Lloyds Bank and certain other ATMs. If a Cardholder withdraws cash from a machine operated other than by Lloyds Bank, you may be charged a fee. The Cardholder should be notified of this fee at the time of withdrawal and the amount of the fee will be added to the withdrawal amount and debited to your Current Account. We are not liable for any failure to notify the Cardholder of any fee payable. 3.1.9. If an ATM withdrawal or Card Transaction is made in a currency other than the denomination currency of the Account, Account (including where a Card is used to make a withdrawal at an ATM outside the UK), we will convert the amount from the currency in which the transaction was made to the currency in which the Account is denominated on the day we receive notice of the transaction. We will use the VISA foreign exchange rate rate, and charge a currency conversion charge in accordance with our Commercial Account Charges ScheduleFee Information Document. Exchange rates may rise or fall fall, and the exchange rate when the transaction is made may differ from the exchange rate used for conversion. Your statement will contain the exchange rate used for the Card Transaction and the applicable currency conversion charge. For more detail on the VISA foreign exchange rates, and on the applicable currency conversion charges, please refer to our Website. Your currency conversion charge will be shown as a percentage mark-up over the latest available foreign exchange rate issued by the European Central Bank (ECB). This will allow you to see the variance between the VISA foreign exchange rates used for conversion relative to the ECB rates.rates.‌‌‌ 3.1.10. Where a Cardholder uses a Currency Card to withdraw cash from an ATM outside the UK you should be aware that additional charges may applyapply in addition to those charges set out in our Fee Information Document, notwithstanding the fact that you may be withdrawing cash in the denomination currency of your Currency Card. 3.1.11. A Cardholder may use his or her their Card or Card number to make Card Transactions, up to reasonable pre-determined limitsa daily limit, with suppliers of goods and services. 3.1.12. When a Card Transaction needs to be authorised by the bank or its agents, it will check the Card’s available balance. The Card’s available balance is made up of the sum of the applicable Current Account and Personal Savings Account (Instant Access) balances and any Arranged Overdraft on that Current Account, less any posted spend and any other pre-authorised transactions. Accounts that will not be included in the available balance calculation include (but are not limited to) Fixed Term Deposit Accounts, Client Accounts, Notice Accounts and fixed term lending. 3.1.13. ATM withdrawals and Card Transactions will normally be debited to from your Account within two Business Days. It may take longer than two Business Days however, and the debit may be delayed if the transaction is made abroad, or if the person who provides the ATM or the supplier delays in asking for payment, or for any other reason. 3.1.14. You undertake to ensure that a Cardholder will must not use a Card or Card number to overdraw, except to the extent that we have agreed an Arranged Overdraft overdraft on your Account in advance. 3.1.15. We will debit from your Current Account the amount of each transaction made by use of a Card or Card number and all other amounts due to us under these Terms. We may debit these amounts: a) from money in your Current Account; b) from any Arranged Overdraft facility for your Current Account, if there is any available; or c) by causing an Unarranged Overdraft that we have not agreed in advanceOverdraft, or by increasing an Arranged Overdraft to a level that we have not agreed in advance. 3.1.16. You must, as soon as we ask, repay any Unarranged Overdraft overdraft which arises as a result of term 3.1.15(c)) above. We may choose to debit any amount in priority to other drawings.