Common use of CHANGES TO YOUR AGREEMENT Clause in Contracts

CHANGES TO YOUR AGREEMENT. (i) We can make changes to the terms of your agreement, including changes to the minimum payment, charges or interest rates and introducing new charges: (a) to respond in a reasonable manner to changes or anticipated changes: (i) to law, regulations or codes of practice or to respond to a decision by a court, ombudsman or regulator; (ii) in our costs, including administrative costs, costs involved in providing services or facilities or changes in the costs to us of borrowing funds; (iii) in technology; or (iv) to the functionality of your account, including the removal of any out of date functionality. (b) to correct any mistakes in the way your agreement is drafted or to change the drafting to make your agreement fairer or clearer (such a change would never be to your detriment); (c) to refect our assessment of your ability to meet your fnancial commitments (including considering your credit history and information held about you by credit referencing agencies and how you conduct your account from time to time) but we will not increase the interest rate if we know you are at risk of fnancial diffculties; and/or (d) If we believe that you are or are likely to be in persistent debt. (ii) We can also make a change for a reason not in this list as long as it is reasonable for us to rely on it and we explain the reason to you when we tell you about the change. (iii) As this agreement has no fxed end date, we may also need to change rates and charges and other terms for other reasons. (iv) We will tell you about any changes to the terms of your agreement, in writing, at least 30 days before we make the change unless we are decreasing your credit limit when we will aim to give you 14 days’ notice unless we consider that it wouldn’t be appropriate. (v) If we increase your interest rate, you can reject the change at any time up to 60 days from the date you receive notice of the increase. Should you do so, you will no longer be able to use your account and you will be required to pay off the outstanding balance in accordance with the minimum payment requirements set out in section D. Your current interest rate and the terms of your agreement will continue to apply until your account balance has been repaid in full. (vi) For any other changes to the terms of your agreement, if you are not happy with the change and decide that you no longer want to keep your account, you can close it as set out in clause 10. If you do not close your account we will take it to mean that you have accepted the changes.

CHANGES TO YOUR AGREEMENT. (i) We can make changes to the terms of your agreement, including changes to the minimum payment, charges or interest rates and introducing new charges: (a) to respond in a reasonable manner to changes or anticipated changes: (i) to law, regulations or codes of practice or to respond to a decision by a court, ombudsman or regulator; (ii) in our costs, including administrative costs, costs involved in providing services or facilities or changes in the costs to us of borrowing funds; (iii) in technology; or (iv) to the functionality of your account, including the removal of any out of date functionality. (b) to correct any mistakes in the way your agreement is drafted or to change the drafting to make your agreement fairer or clearer (such a change would never be to your detriment); (c) to refect reflect our assessment of your ability to meet your fnancial financial commitments (including considering your credit history and information held about you by credit referencing agencies and how you conduct your account from time to time) but we will not increase the interest rate if we know you are at risk of fnancial diffcultiesfinancial difficulties; and/or (d) If we believe that you are or are likely to be in persistent debt. (ii) We can also make a change for a reason not in this list as long as it is reasonable for us to rely on it and we explain the reason to you when we tell you about the change. (iii) As this agreement has no fxed fixed end date, we may also need to change rates and charges and other terms for other reasons. (iv) We will tell you about any changes to the terms of your agreement, in writing, at least 30 days before we make the change unless we are decreasing your credit limit when we will aim to give you 14 days’ notice unless we consider that it wouldn’t be appropriate. (v) If we increase your interest rate, you can reject the change at any time up to 60 days from the date you receive notice of the increase. Should you do so, you will no longer be able to use your account and you will be required to pay off the outstanding balance in accordance with the minimum payment requirements set out in section D. Your current interest rate and the terms of your agreement will continue to apply until your account balance has been repaid in full. (vi) For any other changes to the terms of your agreement, if you are not happy with the change and decide that you no longer want to keep your account, you can close it as set out in clause 10. If you do not close your account we will take it to mean that you have accepted the changes.

CHANGES TO YOUR AGREEMENT. (i) We can make changes to the terms of your agreement, including changes to the minimum payment, charges or interest rates interestrates and introducing new charges, to: (a) to respond in a reasonable manner to changes or anticipated changes: (i) to law, regulations or codes of practice or to respond to a decision by a court, ombudsman or regulator; (ii) in our costs, including administrative costs, costs involved in providing services or facilities or changes in the costs to us of borrowing funds; (iii) in technology; or (iv) to the functionality of your account, including the removal of any out of date functionality. (b) to correct any mistakes in the way your agreement is drafted or to change the drafting to make your agreement fairer or clearer (such a change would never be to your detriment);; and/or (c) to refect reflect our assessment of your ability to meet your fnancial financial commitments (including considering your credit history and information held about you by credit referencing agencies and how you conduct your account from time to time) but we will not increase the interest rate if we know you are at risk of fnancial diffculties; and/or (d) If we believe that you are or are likely to be in persistent debtfinancial difficulties. (ii) We can also make a change for a reason not in this list as long as it is reasonable for us to rely on it and we explain the reason to you when we tell you about the change. (iii) As this agreement has no fxed fixed end date, we may also need to change rates and charges and other terms for other reasons. (iv) We will tell you about any changes to the terms of your agreement, in writing, at least 30 days before we make the change unless we are decreasing your credit limit when we will aim to give you 14 days’ notice unless we consider that it wouldn’t be appropriatenotice. (v) If we increase your interest rate, you can reject the change at any time up to 60 days from the date you receive notice of the increase. Should you do so, you will no longer be able to use your account and you will be required to pay off the outstanding balance in accordance with the minimum payment requirements set out in section D. Your current interest rate and the terms of your agreement will continue to apply until your account balance has been repaid in full. (vi) For any other changes to the terms of your agreement, if you are not happy with the change and decide that you no longer want to keep your account, you can close it as set out in clause 109. If you do not close your account we will take it to mean that you have accepted the changes.

CHANGES TO YOUR AGREEMENT. (i) We can make changes to the terms of your agreement, including changes to the minimum payment, charges or interest rates and introducing new charges: (a) to respond in a reasonable manner to changes or anticipated changes: (i) to law, regulations or codes of practice or to respond to a decision by a court, ombudsman or regulator; (ii) in our costs, including administrative costs, costs involved in providing services or facilities or changes in the costs to us of borrowing funds; (iii) in technology; or (iv) to the functionality of your account, including the removal of any out of date functionality. (b) to correct any mistakes in the way your agreement is drafted or to change the drafting to make your agreement fairer or clearer (such a change would never be to your detriment); (c) to refect reflect our assessment of your ability to meet your fnancial financial commitments (including considering your credit history and information held about you by credit referencing agencies and how you conduct your account from time to time) but we will not increase the interest rate if we know you are at risk of fnancial diffcultiesfinancial difficulties; and/or (d) If we believe that you are or are likely to be in persistent debt. (ii) We can also make a change However, because you may have this agreement with us for a reason not in long time, we can’t anticipate everything that might happen over this list as long as it is reasonable for us period. This means we may also need to rely on it and make other changes. If we explain the reason to you do, when we tell you about the change, we’ll explain how it will affect you. (iii) As this agreement has no fxed end date, we may We can also need to change our rates and charges and for any other terms for other reasonsvalid reason which isn’t set out above. (iv) We will tell you about any changes to the terms of your agreement, in writing, at least 30 days before we make the change unless we are decreasing your credit limit when we will aim to give you 14 days’ notice unless we consider that it wouldn’t be appropriate. (v) If we increase your interest rate, you can reject the change at any time up to 60 days from the date you receive notice of the increase. Should you do so, you will no longer be able to use your account and you will be required to pay off the outstanding balance in accordance with the minimum payment requirements set out in section D. Your current interest rate and the terms of your agreement will continue to apply until your account balance has been repaid in full. (vi) For any other changes to the terms of your agreement, if you are not happy with the change and decide that you no longer want to keep your account, you can close it as set out in clause 10. If you do not close your account we will take it to mean that you have accepted the changes.