Common use of Fees and limits Clause in Contracts

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding Load/Top up fee – Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee Load/Top up fee – 2% Pound Sterling wallet Additional card fee Free No fee for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Get your money back Cash out fee at a store Please Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. 6.1 Fees and Limits apply to the Card, as set out below. The fees that apply we charge are subject to your card or change from time to time, in accordance with the services are as followsAgreement. Categories You will be notified of any change in the applicable fees. Fees How much? The explanation Getting started/adding and charges Cost Explanation Load/Top up Reload fee – Free for loads into foreign Currency wallets using EUR. Fee charged only when you load money foreign currency wallets into your EUR wallet 1.25% for loads into the EUR Currency wallet Replacement Card fee Free Free service to provide you top up regardless of payment method. Like with a commission fee Load/Top up fee – 2% Pound Sterling wallet new Card if your Card is lost, stolen or damaged Additional card Card fee Free No fee charged for getting a backup card, where available an Additional Card Card usage fee Free No fee to use at Merchants (e.g. shops and restaurants). Some Merchants may charge their own fee Currency transfer fee Free No fee for moving charged when transferring money between wallets. Currency wallets Foreign exchange rate applies, varies each day Spend money/get cash fee 5.75% Fee charged if using your Card for paying with a transaction in a currency not on your Card or if you don’t have enough balance in the card Free No local Currency and the rest is taken from another Currency wallet Monthly inactivity fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Get your money back Cash out fee at a store Please Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 EU€2.50 per month Fee charged after a 1215-month period of you not using your card (either by topping up your card, paying Card for transactions or withdrawing money)to reload, including after your card the Agreement has expiredended. No balance, no fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) EU€12.50 Fee charged if a payment transaction takes your balance below zero Our (0) ATM withdrawal fee EU€2.00 / US$2.50 Flat rate fee charged when GB£1.50 / AU$3.50 withdrawing from a cash machine. CA$3.25 / ZAR20.00 Some operators may also charge TRY5.50 / NZ$3.50 a fee AED8.00 / CHF3.00 Cash out fee via Card Services Replacement (except in an emergency) EU€8.00 Fee charged for cashing out your Card via Card Services. Your Card will remain active, unless you choose to close it Cash out fee at the Free No fee charged for cashing out Purchase Location - your foreign Currency wallets at from foreign Currency Post Offices in EUR. Your Card will wallets remain active, unless you choose to close it Cash out fee at the 1.25% Fee charged for cashing out your Purchase Location - (maximum EU€8.00) EUR Currency wallet at Post from EUR Currency Offices. Your Card will remain wallet active, unless you choose to close it Annual Government stamp duty Up to EU€5.00 per calendar year The Government of Ireland charges an annual stamp duty on prepaid card fee Free Free service accounts. There is a charge of up to send EU€5.00 per calendar year when the Card is used for ATM withdrawals in the Republic of Ireland and at Merchants. If the Card is only used for ATM withdrawals in the Republic of Ireland, the charge is EU€0.12 per ATM withdrawal up to a maximum of EU€2.50 per calendar year Limits - the amounts shown are the EUR equivalents of the limits available on the Card, across all Currencies Minimum amount you can load or reload EU€50 or Currency equivalent Maximum amount you can withdraw from ATMs in 24 hours EU€750 or Currency equivalent Maximum amount you can spend at Merchants in 24 hours EU€2,000 or Currency equivalent Maximum (re)load amount and maximum amount you can have on your Card at any one time EU€5,000 or Currency equivalent Maximum amount you can load in total in a new plastic card whilst 12-month period EU€30,000 or Currency equivalent Maximum number of active accounts you are away if you lose your card, or it is stolen or damaged, where this service is availablemay hold at any one time 1 Card life see Card for expiry date

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding money Load/Top up fee – foreign currency wallets Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee fee. Load/Top up fee – 2% Pound Sterling wallet 2% Additional card fee Free No fee Please check when you buy Fee for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 US$2.50 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee Cash over the counter fee £4.00 €4.70 US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 6.20 AU$6.00 CA$6.40 NZ$8.00 ZAR50.00 TRY14.50 CHF6.00 AED25.00 Fee for withdrawing cash over the counter (for example, in a bank). They may charge their own additional fee Get your money back Cash out fee at a store Please check in store Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 1215-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) €15.00, US$15.00 AU$20.00 CA$20.00 NZ$25.00 ZAR140.00 TRY36.00 CHF15.00 AED62.00 Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is availableavailable Customer service fee Free Call us for free. There are even some freephone numbers to call when you are abroad Mobile app fee Free Download for free. Whilst away, do be aware of roaming charges Foreign exchange transactions – How do they work? There are some instances when a foreign exchange rate applies even though your card has foreign currencies on it. When we talk about “usual wallet order” in the table below, we mean that if you don’t have enough of the relevant currency on your card to cover your transaction, the card will automatically select the next available currency wallet to make a payment, in the following order: Pound Sterling, Euros, US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars, South African Rand, Turkish Lira, Swiss Francs and Emirati Dirhams. Foreign exchange rates can fluctuate and the rate that applies one day will not necessarily be the same on any other day. They may also change between the time you make a transaction and the time it is processed and billed to your card. Your card is a Mastercard card; where we refer to a Mastercard foreign exchange rate, this is the rate set by Mastercard and may vary throughout the day. More details about the exchange rate that Mastercard applies can be found at: xxxxx://xxx.Xxxxxxxxxx.xx.xx/en-gb/consumers/get- support/convert-currency.html Categories What Why How/Which exchange rate? Getting Load/Top up at a store You will make a Ask the store before started/adding payment in Pound you top up the card. money Sterling, and we’ll convert that amount into any of the available currencies of your choice Load/Top up by phone, online or via the mobile app We’ll tell you the exchange rate before you top up a card with us Top up by bank transfer You will make a We can only tell you payment in Pound the exchange rate Sterling, and we’ll after you have sent Categories What Why How/Which exchange rate? convert that amount into the currency that is set in My Account. Check the website for instructions on how to top up with internet or telephone banking the payment from your bank account and we have received it. The foreign exchange rate applicable on the date you request the top- up may not be the same by the time we receive your payment from your bank. This is because it can take up to 5 working days for your bank to transfer the funds to us Moving money between currency wallets You will move money from one currency wallet to another We’ll tell you the applicable exchange rate before you move your money between currency wallets Spend money/get cash Using your card to buy goods and services (for example at shops, restaurants and online), and to withdraw cash at cash machines or over the counter You are paying in a currency different to the available currencies on the card or you don’t have enough of the currency available on the card to pay We’ll convert the amount into the next available currency on the card in the usual wallet order. The foreign exchange rate used is the rate determined by Mastercard You are withdrawing cash at a cash machine or over the counter, and you don’t have enough of the currency available to withdraw cash and to cover the fee for cash machine withdrawals or We’ll charge the Pound Sterling fee for cash machine withdrawals or cash over the counter fee (whichever is applicable) and convert it in the usual wallet order. The rate used will be the Mastercard foreign exchange rate Categories What Why How/Which exchange rate? over the counter fee Get your money back Cash out at a store or by calling Card Services You have a balance on your card in a non- Pound Sterling amount, and we give you your money back in Pound Sterling We’ll convert the non- Pound Sterling balance into a Pound Sterling amount. We’ll tell you the rate before you get your money back in Pound Sterling. Ask the store for the rate before you get your money back Other Refund or credit You are entitled to a refund or credit in a currency that is not available on the card (for example a Mexican Peso transaction where you have used Pound Sterling to pay), or where you used more than one currency wallet to pay We’ll convert the amount of the refund or credit (Mexican Peso in our example) into a Pound Sterling amount. The foreign exchange rate will be the Mastercard foreign exchange rate Inactivity fee You don’t have enough Pound Sterling currency available We’ll convert the inactivity fee into a non-Pound Sterling currency on your card in the usual wallet order. The foreign exchange rate will be the Mastercard foreign exchange rate This table shows the limits on using your card. The limits are given in Pound Sterling but they include all the currencies loaded on to the card.

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/started/ adding money Load/Top Top-up fee – foreign currency wallets Free Fee charged when money foreign currency wallets you load/ top up regardless of payment method. Like a commission fee Load/Top Top-up fee – 2% Pound Sterling wallet 2% Additional card fee Free No fee £5.00 Fee charged for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Categories Fees How much? The explanation Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 US$2.50 €1.75 AU$2.30 NZ$3.00 CA$2.40 ZAR20.00 TRY5.40 CHF2.20 AED8.00 MXN38.00 PLN7.50 CZK45.00 SEK18.00 JPY250.00 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Get your money back Cash out fee at a store Please £6.00 Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12an 18-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) Fee charged if a payment takes your balance below zero Our Services services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Amounts Explanations Getting started/adding Load/Top money Card fee Free No fee charged for buying your card Additional card fee £5.00 Fee charged for getting a backup card, where available Top-up fee – Free (Pound Sterling wallet) 2% Fee charged when money foreign currency wallets you top up your Pound Sterling wallet, regardless of payment method. Like a commission fee Load/Top Top-up fee – 2% Pound Sterling wallet Additional card fee (foreign currency wallet) Free No fee for getting a backup cardcharged when you top up your foreign currency wallet, where available regardless of payment method Currency transfer fee Free No fee charged for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee charged for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 MXN40.00 PLN8.00 CZK50.00 SEK20.00 JPY250.00 TBH60.00 HKD15.00 SGD2.50 Fee charged for withdrawing cash at a cash machine. Some operators may charge their own fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Get your money back Cash Cash-out fee at a store Please branch Free Fee charged for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash Cash-out fee by when calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12an 18-month period of you not using your card (either by topping card. You will not be charged if you top up your card, paying card or if you use your card to pay for transactions or withdrawing moneywithdraw money at a cash machine (this is what we mean by “using your card”), including . You will be charged an inactivity fee after your card has expiredexpired or your agreement with us has ended. No fee charged if you have a zero balance Foreign exchange fee 5.75% of the transaction value Fee charged for using your card for a transaction in a currency which is not available on your card card, or when you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (The fees that apply to your card or currency equivalent) Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you the services are away if you lose your card, or it is stolen or damaged, where this service is availableas follows.

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding Load/Top Top-up fee – Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee Load/Top Top-up fee – 2% Pound Sterling wallet Additional card fee Free No fee charged for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 Fee Free No fee for withdrawing cash at a cash machine. Some operators may charge their own fee Cash over the counter fee £4.00 €4.70 Fee for withdrawing cash over the counter (for example, in a bank). They may charge their own additional fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 6.20 AU$6.00 CA$6.40 NZ$8.00 ZAR50.00 TRY14.50 CHF6.00 AED25.00 Get your money back Cash out fee at a store Please Free Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12an 18-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding money Load/Top up fee – foreign currency wallets Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee fee. Load/Top up fee – 2% Pound Sterling wallet 2% Additional card fee Free No fee Fee charged for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee Cash over the counter fee £4.00 €4.70 US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 6.20 AU$6.00 CA$6.40 NZ$8.00 ZAR50.00 TRY14.50 Fee for withdrawing cash over the counter (for example, in a bank). They may charge their own additional fee CHF6.00 AED25.00 Get your money back Cash out fee at a store Please by calling Card Services £6.00 Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) €15.00, US$15.00 AU$20.00 CA$20.00 NZ$25.00 ZAR140.00 TRY36.00 Fee charged if a payment takes your balance below zero CHF15.00 AED62.00 Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding money Load/Top up fee – foreign currency wallets Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee Load/Top up fee – 2% Pound Sterling wallet 2% Additional card fee Free No fee Fee charged for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 US$2.30 AU$2.30 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Cash over the counter fee £4.00 €4.70 US$6.20 AU$6.00 CA$6.40 Fee for withdrawing cash over the counter (for example, in a bank). They may charge their own additional fee NZ$8.00 ZAR50.00 TRY14.50 CHF6.00 AED25.00 Get your money back Cash out fee at a store Please by calling Card Services £6.00 Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12-12- month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) €15.00, US$15.00 AU$20.00 CA$20.00 NZ$25.00 ZAR140.00 TRY36.00 CHF15.00 AED62.00 Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding Load/Top Top-up fee – Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee Load/Top Top-up fee – 2% Pound Sterling wallet Additional card fee Free No fee for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Get your money back Cash out fee at a store Please Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 after the expiry date Other Inactivity fee £2.00 per month Fee charged after a 12-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding money Load/Top up fee – foreign currency wallets Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee fee. Load/Top up fee – 2% Pound Sterling wallet 2% Additional card fee Free No fee Fee charged for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee Cash over the counter fee £4.00 €4.70 US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 6.20 AU$6.00 CA$6.40 NZ$8.00 ZAR50.00 TRY14.50 Fee for withdrawing cash over the counter (for example, in a bank). They may charge their own additional fee CHF6.00 AED25.00 Get your money back Cash out fee at a store Please by calling Card Services £6.00 Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12-12- month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) €15.00, US$15.00 AU$20.00 CA$20.00 NZ$25.00 ZAR140.00 TRY36.00 CHF15.00 AED62.00 Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding Load/Top Top-up fee – Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee Load/Top Top-up fee – 2% Pound Sterling wallet Additional card fee Free No fee charged for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 Fee for withdrawing cash at a cash machine. Some operators may charge their own fee US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 Cash over the counter fee £4.00 €4.70 US$6.20 AU$6.00 CA$6.40 NZ$8.00 ZAR50.00 TRY14.50 Fee for withdrawing cash over the counter (for example, in a bank). They may charge their own additional fee CHF6.00 AED25.00 Get your money back Cash out fee at a store Please Free Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding money Load/Top Top-up fee – foreign currency wallets Free Fee charged when money foreign currency wallets you top up regardless of payment method. Like a commission fee Load/Top Top-up fee – 2% Pound Sterling wallet 2% Additional card fee Free No fee charged for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals £1.50 €1.75 Fee Free No fee for withdrawing cash at a cash machine. Some operators may charge their own fee Cash over the counter fee £4.00 €4.70 US$2.30 AU$2.30 CA$2.40 NZ$3.00 ZAR20.00 TRY5.40 CHF2.20 AED8.00 6.20 AU$6.00 CA$6.40 NZ$8.00 ZAR50.00 TRY14.50 CHF6.00 AED25.00 Fee for withdrawing cash over the counter (for example, in a bank). They may charge their own additional fee Get your money back Cash out fee at a store Please Free Fee for cashing out check in your card before the store card expires, or after a period of 12 months after the expiry date Cash out fee by calling Card Services £6.00 Other Inactivity fee £2.00 per month Fee charged after a 12an 18-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee £10.00 (or currency equivalent) Fee charged if a payment takes your balance below zero Our Services Replacement card fee Free Free service to send you a new plastic card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available