Common use of CHANGES TO THESE TERMS Clause in Contracts

CHANGES TO THESE TERMS. 16.1 We may add reward partners and reward benefits and make non-material changes to these terms at any time without giving prior notice to you. 16.2 We may vary the number of points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ notice if we choose to significantly increase the number of points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 We may remove rewards which we believe are not material to the program without prior notice. This may include the removal of certain rewards partners and/or the removal of certain reward products supplied by those partners. For rewards and reward partners which we do consider material to the program we may remove such rewards on giving you no less 90 days prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 We may suspend the program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program at any time provided we give you 90 days prior notice unless we are required by law to terminate the program in which case we shall not be required to give you prior notice. 16.5 We may change the fees payable under the program or the standard point’s accrual rates applicable to the Card on giving you 90 days prior written notice. 16.6 We may make other material changes to these terms and conditions by giving you at least 30 days’ notice.

CHANGES TO THESE TERMS. 16.1 We may add reward partners and reward benefits and make non-material changes to these terms at any time without giving prior notice to you. 16.2 We may vary the number of points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ days notice if we choose to significantly increase the number of points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 We may remove rewards which we believe are not material to the program without prior notice. This may include the removal of certain rewards partners and/or the removal of certain reward products supplied by those partners. For rewards and reward partners which we do consider material to the program we may remove such rewards on giving you no less 90 days days’ prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 We may suspend the program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program at any time provided we give you 90 days days’ prior notice unless we are required by law to terminate the program in which case we shall not be required to give you prior notice. 16.5 We may change the fees payable under the program programme or the standard point’s points accrual rates applicable to the Card on giving you 90 days days’ prior written notice. 16.6 We may make other material changes to these terms and conditions by giving you at least 30 days’ days notice.

CHANGES TO THESE TERMS. 16.1 14.1 We may add reward partners and reward benefits and make non-material changes to these terms at any time without giving prior notice to you. 16.2 14.2 We may vary the number of points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ days notice if we choose to significantly increase the number of points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 14.3 We may remove rewards which we believe are not material to the program without prior notice. This may include the removal of certain rewards partners and/or the removal of certain reward products supplied by those partners. For rewards and reward partners which we do consider material to the program we may remove such rewards on giving you no less 90 days prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 14.4 We may suspend the program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program at any time provided we give you 90 days prior notice unless we are required by law to terminate the program in which case we shall not be required to give you prior notice. 16.5 14.5 We may change the fees payable under the program or the standard point’s points accrual rates applicable to the Card on giving you 90 days prior written notice. 16.6 14.6 We may make other material changes to these terms and conditions by giving you at least 30 days’ days notice.

CHANGES TO THESE TERMS. 16.1 We may add reward partners and reward benefits and make non-material changes to these terms at any time without giving prior notice to you. 16.2 We may vary the number of points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ days notice if we choose to significantly increase the number of points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 We may remove rewards which we believe are not material to the program without prior notice. This may include the removal of certain rewards partners and/or the removal of certain reward products supplied by those partners. For rewards and reward partners which we do consider material to the program we may remove such rewards on giving you no less 90 days prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 We may suspend the program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program at any time provided we give you 90 days prior notice unless we are required by law to terminate the program in which case we shall not be required to give you prior notice. 16.5 We may change the fees payable under the program or the standard point’s points accrual rates applicable to the Card on giving you 90 days prior written notice. 16.6 We may make other material changes to these terms and conditions by giving you at least 30 days’ days notice.

CHANGES TO THESE TERMS. 16.1 We may add reward partners and reward benefits and make non-non- material changes to these terms at any time without giving prior notice to you. 16.2 We may vary the number of points Points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ notice if we choose to significantly increase the number of points Points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 We may remove rewards which we believe are not material to the program Program without prior notice. This may include the removal of certain rewards partners and/or the removal of certain reward products supplied by those partners. For rewards and reward partners which we do consider material to the program Program we may remove such rewards on giving you no less 90 days prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 We may suspend the program Program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program Program at any time provided we give you 90 days prior notice unless we are required by law to terminate the program Program in which case we shall not be required to give you prior notice. 16.5 We may change the fees payable under the program Program or the standard point’s accrual rates applicable to the Card on giving you 90 days prior written notice. 16.6 We may make other material changes to these terms and conditions by giving you at least 30 days’ notice.

CHANGES TO THESE TERMS. 16.1 We may add reward partners Partners and reward benefits and make non-material changes to these terms at any time without giving prior notice to you. 16.2 We may vary the number of points Points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ days notice if we choose to significantly increase the number of points Points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 We may remove rewards which we believe are not material to the program Program without prior notice. This may include the removal of certain rewards partners Partners and/or the removal of certain reward products supplied by those partnersPartners. For rewards and reward partners Partners which we do consider material to the program Program we may remove such rewards on giving you no less 90 days prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 We may suspend the program Program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program Program at any time provided we give you 90 days prior notice unless we are required by law to terminate the program Program in which case we shall not be required to give you prior notice. 16.5 We may change the fees payable under the program Program or the standard point’s Points accrual rates applicable to the Card on giving you 90 days prior written notice. 16.6 We may make other material changes to these terms Terms and conditions Conditions by giving you at least 30 days’ days notice.

CHANGES TO THESE TERMS. 16.1 We may add reward partners Partners and reward benefits and make non-material changes to these terms at any time without giving prior notice to you. 16.2 We may vary the number of points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ days notice if we choose to significantly increase the number of points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 We may remove rewards which we believe are not material to the program without prior notice. This may include the removal of certain rewards partners Partners and/or the removal of certain reward products supplied by those partnersPartners. For rewards and reward partners Partners which we do consider material to the program we may remove such rewards on giving you no less 90 days prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 We may suspend the program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program at any time provided we give you 90 days prior notice unless we are required by law to terminate the program in which case we shall not be required to give you prior notice. 16.5 We may change the fees payable under the program or the standard point’s points accrual rates applicable to the Card on giving you 90 days prior written notice. 16.6 We may make other material changes to these terms Terms and conditions Conditions by giving you at least 30 days’ days notice.