Common use of CHANGES TO THESE TERMS Clause in Contracts

CHANGES TO THESE TERMS. and Conditions We may change these terms and conditions. The following are included in the types of changes we may make (but we may make other changes not listed here): • change or introduce fees; • change the Earn Rate or the ways you can earn points; • change the Conversion Rate; • change the Redemption Options available or the way you can redeem points; and • change the transfer options available. We can make these changes even if they are not prompted by something a Redemption Partner or a Loyalty Programme Partner has done. Our main reasons for making changes We can make changes to the terms and conditions, including by changing or introducing fees, for any of the following reasons: • where the costs to us of providing the Programme change or we have a good reason to expect that they will change; • where we change the way you can use your Card Account; • where we are changing the card benefits offered with your Card Account; • where the change is either neutral or is good for you (including where we are making the change to expand the Programme, the Redemption Options, transfer options or the Rewards available, or to make the terms and conditions clearer or fairer); • to reflect changes or developments in the technology or systems which we use; • to reflect changes in the Rewards that Redemption Partners or the transfer options that Loyalty Programme Partners are able or willing to provide in the wider market; or • to reflect a change in law, regulation or industry codes of practice (including where we have a good reason to expect a change), or to reflect a decision by a court, regulator or the Financial Ombudsman Service (or equivalent). We will only make changes if we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. Telling you about changes We will usually give you at least 30 days' notice before making the change if we believe the change is disadvantageous to you. An example of a disadvantageous change would be where we seriously reduce the range or types of Redemption Options available so that your choice is much more limited than before. If the change is to your advantage, we will still tell you about it, but we may make the change before we do so. We will give you any such notice by statement message, post, email or other form of electronic communication (where you have indicated your consent by opting in to receive such electronic communications). What you can do if you are not happy with the change You can close your Card Account at any time (without charge) if you are not happy with any changes we make. If you close your Card Account, you must redeem your points (See the “How to redeem your points on closure or when your participation ends” section above). Removing you from the Programme or ending the Programme We will remove you from the Programme if we close your Card Account or your employer ends its participation in the Programme. We may also remove you from the Programme, or end the Programme, by giving you at least 30 days' prior notice. We do not need to give you a reason for this, but we will only do this where we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. If we remove you from the Programme or end the Programme, we may switch you to a different type of card covered by your Card Account Agreement and/or replace these terms and conditions with a new set of terms and conditions that provide and cover different benefits that are still covered by your Card Account Agreement. You can always close your Card Account without charge if you are unhappy with the change. If we remove you from the Programme or end the Programme (without transferring you to another programme), you must redeem your points within 30 days of the date you were notified (See the “How to redeem your points on closure or when your participation ends” section above).