Common use of Interest on Cash Advances and Balance Transfers Clause in Contracts

Interest on Cash Advances and Balance Transfers. Any interest on a Cash Advance or a Balance Transfer from another financial institution applies from and including the day it is made, or from the first day of the statement period in which the charge is first debited to your account, if that is later, until the day we receive payment in full and credit your account. Interest on instalment credit options: Any interest on an instalment credit option applies from the beginning of the statement period (or date of purchase in the case of non-payment of the first instalment due) until at least the minimum payment on your statement has been made. Where applicable, interest is calculated each day during a statement period on the daily closing balance of charges on which interest is payable (taking into account any payments or credit to your account) at the daily rate (which is the annual percentage rate divided by 365). We add together the interest charges for each day and the total interest for the statement period is then charged to your account and will appear on your statement on the last day of the statement period identified as ‘interest charge’. If different interest rates apply to different parts of the balance on your account, we will separately calculate each daily closing balance and interest in the same manner. Daily closing balances with a credit balance are treated as zero (0). For the purpose of calculating interest charges, any unpaid balance outstanding on your account at the beginning of the statement period (called the standard plan opening balance) includes billed but unpaid interest charges. What interest rates apply to your account? We charge interest at the annual percentage rate or rates (called interest rate) set out in the Financial Table, or as otherwise notified to you. The interest rate(s) applicable to a billing period are subject to change, and will be set out on your statement. Charges Made in Foreign Currencies For each Charge submitted to us in a currency other than Australian Dollars (a ‘Foreign Charge’), on the day we process the Foreign Charge we will: ƒ Convert it to US Dollars first (unless it was submitted to us in US Dollars); ƒ Convert the US Dollar amount into Australian Dollars; and ƒ Apply a single non-refundable currency conversion fee to the Australian Dollar amount of the Foreign Charge. We use exchange rates from customary industry sources, or a specific rate if required by law. We use the exchange rate from the weekday prior to the day we process the Foreign Charge (or two weekdays prior for Foreign Charges processed on 1 January and 25 December). The exchange rate we use may be higher or lower than the exchange rate available on the day you made the Foreign Charge, and exchange rate fluctuations can be significant. When making a Charge in a foreign currency you may have the choice to allow a third party to convert the Charge into Australian Dollars at the point of sale. If you choose this option, then that third party will: ƒ Determine the exchange rate and any commission or fees payable for the currency conversion; and ƒ Submit that Charge to us in Australian Dollars, meaning we will not convert the Charge or apply currency conversion fee. You acknowledge that any refund of a Foreign Charge may be different to the Foreign Charge amount originally processed on your Account. The differences is generally because: ƒ the refund and Foreign Charge may be processed on different days with different rates; ƒ we do not apply any currency conversion fee to refunds of Foreign Charges. ƒ the refund may be only a partial refund for the Foreign Charge; or ƒ where third parties convert Charges in foreign currency, those third parties may treat refunds differently to the original foreign currency Charge. Additional Card Members At your request, we may issue a Card on your account to another person (called an Additional Card Member and may previously have been referred to as a Supplementary Card holder). We may limit the number of Additional Cards issued on one account. We generally do not provide copies of agreements, statements, notices and other communications to a Additional Card Member. Please see the ‘Liability’ section of this agreement regarding the liability of an Additional Card Member for charges made by that Additional Card Member. You agree and are responsible to ensure that each Additional Card Member reads, understands and complies with this agreement including the Financial Table and any notices and other communications that we may send to you. To cancel a Additional Card, please see the ‘Default/ Closing Your Account’ section of this agreement. Cash Advances If we permit you to obtain Cash Advances with your Card, then: ƒ you must enrol and obtain a pass code to access ATMs that accept the Card; ƒ we may impose limits and restrictions on Cash Advances such as the amount of the credit limit available by means of Cash Advances and minimum and maximum limits that apply to Cash Advances for each transaction, day, statement period or otherwise; ƒ participating financial institutions and ATM operators may also impose their own limits and restrictions on Cash Advances such as limits on the number of Cash Advances, the amount of each Cash Advance and access to and available services at ATMs; ƒ we reserve the right, without cause and without providing prior notice to you, to terminate your access to ATMs, even if your account is not in default, however we will notify you as soon as reasonably practicable; ƒ fees apply as set out in the Financial Table and the ATM provider may also charge a fee; and ƒ you must comply with any additional terms and conditions that we provide to you. We generally do not allow cash advances on the Xxxxx Xxxxx Storecard. Recurring Charges You or an Additional Card Member may authorise a merchant to bill your account at regular intervals for goods or services (called recurring charges). Here are some important things that you need to know about recurring charges and your account. We do not allow recurring charges on the Xxxxx Xxxxx Storecard. Replacement Cards and Cancelled Cards A replacement or new Card (called a replacement Card) may be issued to you if your Card is lost, stolen, damaged, cancelled, renewed or switched to a different Card type. Your Card may also be cancelled or no further charges permitted without a replacement Card being issued (called a cancelled Card). In order to avoid potential disruption of recurring charges and the provision of goods or services by the merchant in the case of a replacement Card or cancelled Card, it is always your responsibility to contact the merchant and provide replacement Card information or make alternate payment arrangements. You agree to be responsible for any recurring charges that may continue to be charged to your account from a Card (including charges to Additional Cards on your account) that has been replaced or cancelled. Recurring charges may be automatically charged to a replacement Card without notice to you. Please note that we generally do not provide replacement Card information (such as Card number and Card expiry date) to the merchant. Stopping Recurring Charges To stop recurring charges being billed to your account, you must have the right to do so under your arrangement with the merchant and you must advise the merchant in writing or in another way permitted by the merchant, to stop billing charges to your account. Our Enrolment Services If we permit, you or an Additional Card Member may authorise us or our agent to enrol you with a merchant for recurring charges. You will remain responsible to make other payment arrangements until the recurring charges begin to be applied to your account. We are not responsible for any failure to enrol your account for recurring charges or if the merchant fails to charge your account. The paragraph ‘Stopping Recurring Charges’ above also applies if you or an Additional Card Member uses our enrolment services.

Interest on Cash Advances and Balance Transfers. Any interest on a Cash Advance or a Balance Transfer from another financial institution applies from and including the day it is made, or from the first day of the statement period in which the charge is first debited to your account, if that is later, until the day we receive payment in full and credit your account. Interest on of instalment credit options: Any interest on an instalment credit option applies from the beginning of the statement period (or date of purchase in the case of non-payment of the first instalment due) until at least the minimum payment on your statement has been made. Where applicable, interest Interest is calculated each day during a statement period on the daily closing balance of charges on which interest is payable (taking into account any payments or credit to your account) at the daily rate (which is the annual percentage rate divided by 365). We add together the interest charges for each day and the total interest for the statement period is then charged to your account and will appear on your statement on the last day of the statement period identified as ‘interest charge’. If different interest rates apply to different parts of the balance on your account, we will separately calculate each daily closing balance and interest in the same manner. Daily closing balances with a credit balance are treated as zero (0). For the purpose of calculating interest charges, any unpaid balance outstanding on your account at the beginning of the statement period (called the standard plan opening previous balance) includes billed but unpaid interest charges. What interest rates apply to your account? We charge interest at the annual percentage rate or rates (called interest rate) set out in the Financial Table, or as otherwise notified to you. The interest rate(s) applicable to a billing period are subject to change, and will be set out on your statement. Charges Made in Foreign Currencies For each Charge submitted to us If you make a charge in a currency other than Australian Dollars (a ‘Foreign Charge’), dollars that charge will be converted into Australian dollars. The conversion will take place on the day we process date the Foreign Charge we will: ƒ Convert charge is processed by us, which may not be the same date on which you made your charge as it to US Dollars first (unless it depends on when the charge was submitted to us us. If the charge is not in US Dollars); ƒ Convert U.S. dollars, the US Dollar conversion will be made through U.S. dollars, by converting the charge amount into U.S. dollars and then by converting the U.S. dollar amount into Australian Dollars; dollars. If the charge is in U.S. dollars, it will be converted directly into Australian dollars. Unless a specific rate is required by applicable law, you understand and ƒ Apply a single non-refundable currency agree that the American Express treasury system will use conversion fee to the Australian Dollar amount of the Foreign Charge. We use exchange rates based on interbank rates that it selects from customary industry sources, or a specific rate if required by law. We use sources on the exchange rate from the weekday business day prior to the day we process processing date, increased by a single conversion commission as set out 15 in the Foreign Charge (Financial Table or two weekdays as otherwise disclosed by us. If charges are converted by third parties prior for Foreign Charges processed on 1 January to being submitted to us, any conversions made by those third parties will be at rates and 25 December)may include a commission selected by them. The exchange rate we use may be higher or lower than the exchange rate available on the day you made the Foreign Charge, and exchange rate fluctuations can be significant. When making a Charge in a foreign currency you may have the choice to allow a third party to convert the Charge into Australian Dollars at the point amount of sale. If you choose this option, then that third party will: ƒ Determine the exchange rate and any commission or fees payable for the currency conversion; and ƒ Submit that Charge to us in Australian Dollars, meaning we will not convert the Charge or apply currency conversion fee. You acknowledge that any refund of a Foreign Charge may be different charge made in foreign currency will generally differ from the amount of the original charge because: in most cases, the rate applied to any refund will differ from the original rate applied to the Foreign Charge amount originally processed charge; and any currency conversion commission charged on your Accountthe original purchase is not refunded. The differences is generally because: ƒ the refund and Foreign Charge may be processed on different days with different rates; ƒ However, we do not apply any charge an additional currency conversion fee commission on the refunded amount. It is not possible to refunds of Foreign Charges. ƒ the refund may be only a partial refund for the Foreign Charge; or ƒ where third parties convert Charges make charges in foreign currency, those third parties may treat refunds differently to the original foreign currency Chargecurrencies on a Xxxxx Xxxxx Storecard. Additional Supplementary Card Members holders At your request, we may issue a Card on your account to another person (called an Additional Card Member and may previously have been referred to as a Supplementary Card holder). Supplementary Card holders must be aged at least 18 years. We may limit the number of Additional Supplementary Cards issued on one account. We generally do not provide copies of agreements, statements, notices and other communications to a Additional Supplementary Card Memberholder. Please see the ‘Liability’ section of this agreement regarding the liability of an Additional a Supplementary Card Member holder for charges made by that Additional Supplementary Card Memberholder. You agree and are responsible to ensure that each Additional Supplementary Card Member holder reads, understands and complies with this agreement including the Financial Table and any notices and other communications that we may send to you. To cancel a Additional Supplementary Card, please see the ‘Default/ Default/Closing Your Account’ section of this agreement. Cash Advances If we permit you to obtain Cash Advances with your Card, then: ƒ you must enrol and obtain a pass code to access ATMs that accept the Card; ƒ we may impose limits and restrictions on Cash Advances such as the amount of the credit limit available by means of Cash Advances and minimum and maximum limits that apply to Cash Advances for each transaction, day, statement period or otherwise; ƒ participating financial institutions and ATM operators may also impose their own limits and restrictions on Cash Advances such as limits on the number of Cash Advances, the amount of each Cash Advance and access to and available services at ATMs; ƒ we reserve the right, without cause and without providing prior notice to you, to terminate your access to ATMs, even if your account is not in default, however we will notify you as soon as reasonably practicable; ƒ fees apply as set out in the Financial Table and the ATM provider may also charge a fee; and ƒ you must comply with any additional terms and conditions that we provide to you. We generally do not allow cash advances on the Xxxxx Xxxxx Storecard. Recurring Charges You or an Additional a Supplementary Card Member holder may authorise a merchant to bill your account at regular intervals for goods or services (called recurring charges). Here are some important things that you need to know about recurring charges and your account. We do not allow recurring charges on the Xxxxx Xxxxx Storecard. Replacement Cards and Cancelled Cards A replacement or new Card (called a replacement Card) may be issued to you if your Card is lost, stolen, damaged, cancelled, renewed or switched to a different Card type. Your Card may also be cancelled or no further charges permitted without a replacement Card being issued (called a cancelled Card). In order to avoid potential disruption of recurring charges and the provision of goods or services by the merchant in the case of a replacement Card or cancelled Card, it is always your responsibility to contact the merchant and provide replacement Card information or make alternate payment arrangements. You agree to be responsible for any recurring charges that may continue to be charged to your account from a Card (including charges to Additional Supplementary Cards on your account) that has been replaced or cancelled. Recurring charges may be automatically charged to a replacement Card without notice to you. Please note that we generally do not provide replacement Card information (such as Card number and Card expiry date) to the merchant. Stopping Recurring Charges To stop recurring charges being billed to your account, you must have the right to do so under your arrangement with the merchant and you must advise the merchant in writing or in another way permitted by the merchant, to stop billing charges to your account. Our Enrolment Services If we permit, you or an Additional a Supplementary Card Member holder may authorise us or our agent to enrol you with a merchant for recurring charges. You will remain responsible to make other payment arrangements until the recurring charges begin to be applied to your account. We are not responsible for any failure to enrol your account for recurring charges or if the merchant fails to charge your account. The paragraph ‘Stopping Recurring Charges’ above also applies if you or an Additional a Supplementary Card Member holder uses our enrolment services.

Interest on Cash Advances and Balance Transfers. Any interest on a Cash Advance or a Balance Transfer from another financial institution applies from and including the day it is made, or from the first day of the statement period in which the charge is first debited to your account, if that is later, until the day we receive payment in full and credit your account. Interest on instalment credit options: Any interest on an instalment credit option applies from the beginning of the statement period (or date of purchase in the case of non-payment of the first instalment due) until at least the minimum payment on your statement has been made. Where applicable, interest is calculated each day during a statement period on the daily closing balance of charges on which interest is payable (taking into account any payments or credit to your account) at the daily rate (which is the annual percentage rate divided by 365). We add together the interest charges for each day and the total interest for the statement period is then charged to your account and will appear on your statement on the last day of the statement period identified as ‘interest charge’. If different interest rates apply to different parts of the balance on your account, we will separately calculate each daily closing balance and interest in the same manner. Daily closing balances with a credit balance are treated as zero (0). For the purpose of calculating interest charges, any unpaid balance outstanding on your account at the beginning of the statement period (called the standard plan opening balance) includes billed but unpaid interest charges. What interest rates apply to your account? We charge interest at the annual percentage rate or rates (called interest rate) set out in the Financial Table, or as otherwise notified to you. The interest rate(s) applicable to a billing period are subject to change, and will be set out on your statement. Charges Made in Foreign Currencies For each Charge submitted to us in a currency other than Australian Dollars (a ‘Foreign Charge’), on the day we process the Foreign Charge we will: ƒ Convert ▪ convert it to US Dollars first (unless it was submitted to us in US Dollars); ƒ Convert ▪ convert the US Dollar amount into Australian Dollars; and ƒ Apply ▪ apply a single non-refundable currency conversion fee to the Australian Dollar amount of the Foreign Charge. We use exchange rates from customary industry sources, or a specific rate if required by law. We use the exchange rate from the weekday prior to the day we process the Foreign Charge (or two weekdays prior for Foreign Charges processed on 1 January and 25 December). The exchange rate we use may be higher or lower than the exchange rate available on the day you made the Foreign Charge, and exchange rate fluctuations can be significant. When making a Charge in a foreign currency you may have the choice to allow a third party to convert the Charge into Australian Dollars at the point of sale. If you choose this option, then that third party will: ƒ Determine ▪ determine the exchange rate and any commission or fees payable for the currency conversion; and ƒ Submit ▪ submit that Charge to us in Australian Dollars, meaning we will not convert the Charge or apply currency conversion fee. You acknowledge that any refund of a Foreign Charge may be different to the Foreign Charge amount originally processed on your Account. The differences is generally because: ƒ ▪ the refund and Foreign Charge may be processed on different days with different rates; ƒ ▪ we do not apply any currency conversion fee to refunds of Foreign Charges. ƒ ▪ the refund may be only a partial refund for the Foreign Charge; or ƒ ▪ where third parties convert Charges in foreign currency, those third parties may treat refunds differently to the original foreign currency Charge. Additional Card Members At your request, we may issue a Card on your account to another person (called an Additional Card Member and may previously have been referred to as a Supplementary Card holder). We may limit the number of Additional Cards issued on one account. We generally do not provide copies of agreements, statements, notices and other communications to a Additional Card Member. Please see the ‘Liability’ section of this agreement regarding the liability of an Additional Card Member for charges made by that Additional Card Member. You agree and are responsible to ensure that each Additional Card Member reads, understands and complies with this agreement including the Financial Table and any notices and other communications that we may send to you. To cancel a Additional Card, please see the ‘Default/ Closing Your Account’ section of this agreement. Cash Advances If we permit you to obtain Cash Advances with your Card, then: ƒ ▪ you must enrol and obtain a pass code to access ATMs that accept the Card; ƒ ▪ we may impose limits and restrictions on Cash Advances Advances, such as the amount of the credit limit available by means of Cash Advances and minimum and maximum limits that apply to Cash Advances for each transaction, day, statement period or otherwise; ƒ ▪ participating financial institutions and ATM operators may also impose their own limits and restrictions on Cash Advances Advances, such as limits on the number of Cash Advances, the amount of each Cash Advance and access to and available services at ATMs; ƒ ▪ we reserve the right, without cause and without providing prior notice to you, to terminate your access to ATMs, even if your account is not in default, ; however we will notify you as soon as reasonably practicable; ƒ ▪ fees apply as set out in the Financial Table and the ATM provider may also charge a fee; and ƒ ▪ you must comply with any additional terms and conditions that we provide to you. We generally do not allow cash advances on the Xxxxx Xxxxx Storecard. Recurring Charges You or an Additional Card Member may authorise a merchant to bill your account at regular intervals for goods or services (called recurring charges). Here are some important things that you need to know about recurring charges and your account. We do not allow recurring charges on the Xxxxx Xxxxx Storecard. Replacement Cards and Cancelled Cards A replacement or new Card (called a replacement Card) may be issued to you if your Card is lost, stolen, damaged, cancelled, renewed or switched to a different Card type. Your Card may also be cancelled or no further charges permitted without a replacement Card being issued (called a cancelled Card). In order to avoid potential disruption of recurring charges and the provision of goods or services by the merchant in the case of a replacement Card or cancelled Card, it is always your responsibility to contact the merchant and provide replacement Card information or make alternate payment arrangements. You agree to be responsible for any recurring charges that may continue to be charged to your account from a Card (including charges to Additional Cards on your account) that has been replaced or cancelled. Recurring charges may be automatically charged to a replacement Card without notice to you. Please note that we generally do not provide replacement Card information (such as Card number and Card expiry date) to the merchant. Stopping Recurring Charges To stop recurring charges being billed to your account, you must have the right to do so under your arrangement with the merchant and you must advise the merchant in writing or in another way permitted by the merchant, to stop billing charges to your account. Our Enrolment Services If we permit, you or an Additional Card Member may authorise us or our agent to enrol you with a merchant for recurring charges. You will remain responsible to make other payment arrangements until the recurring charges begin to be applied to your account. We are not responsible for any failure to enrol your account for recurring charges or if the merchant fails to charge your account. The paragraph ‘Stopping Recurring Charges’ above also applies if you or an Additional Card Member uses our enrolment services.

Interest on Cash Advances and Balance Transfers. Any interest on a Cash Advance or a Balance Transfer from another financial institution applies from and including the day it is made, or from the first day of the statement period in which the charge is first debited to your account, if that is later, until the day we receive payment in full and credit your account. Interest on instalment credit options: Any interest on an instalment credit option applies from the beginning of the statement period (or date of purchase in the case of non-payment of the first instalment due) until at least the minimum payment on your statement has been made. Where applicable, interest is calculated each day during a statement period on the daily closing balance of charges on which interest is payable (taking into account any payments or credit to your account) at the daily rate (which is the annual percentage rate divided by 365). We add together the interest charges for each day and the total interest for the statement period is then charged to your account and will appear on your statement on the last day of the statement period identified as ‘interest charge’. If different interest rates apply to different parts of the balance on your account, we will separately calculate each daily closing balance and interest in the same manner. Daily closing balances with a credit balance are treated as zero (0). For the purpose of calculating interest charges, any unpaid balance outstanding on your account at the beginning of the statement period (called the standard plan opening balance) includes billed but unpaid interest charges. What interest rates apply to your account? We charge interest at the annual percentage rate or rates (called interest rate) set out in the Financial Table, or as otherwise notified to you. The interest rate(s) applicable to a billing period are subject to change, and will be set out on your statement. Charges Made in Foreign Currencies For each Charge submitted to us in a currency other than Australian Dollars (a ‘Foreign Charge’), on the day we process the Foreign Charge we will: ƒ ■ Convert it to US Dollars first (unless it was submitted to us in US Dollars); ƒ ■ Convert the US Dollar amount into Australian Dollars; and ƒ ■ Apply a single non-refundable currency conversion fee to the Australian Dollar amount of the Foreign Charge. We will use exchange rates selected from customary industry sources, or a specific rate if required by law. We use sources on the exchange rate from the weekday business day prior to the day we process the Foreign Charge (or two weekdays prior for Foreign Charges processed on 1 January and 25 December)Charge, unless required by law to use a specific rate. The exchange rate we use may be higher or lower than the exchange rate available on the day you made make the Foreign Charge, and exchange rate fluctuations can be significant. When making a Charge in a foreign currency you may have the choice to allow a third party to convert the Charge into Australian Dollars at the point of sale. If you choose this option, then that third party will: ƒ ■ Determine the exchange rate and any commission or fees payable for the currency conversion; and ƒ ■ Submit that Charge to us in Australian Dollars, meaning we will not convert the Charge or apply currency conversion fee. You acknowledge that The amount of any refund of a Foreign Charge may be different charge made in foreign currency will generally differ from the amount of the original charge because: ■ in most cases, the rate applied to any refund will differ from the original rate applied to the Foreign Charge amount originally processed charge; and ■ any currency conversion commission charged on your Accountthe original purchase is not refunded. The differences is generally because: ƒ the refund and Foreign Charge may be processed on different days with different rates; ƒ However, we do not apply any charge an additional currency conversion fee commission on the refunded amount. It is generally not possible to refunds of Foreign Charges. ƒ the refund may be only a partial refund for the Foreign Charge; or ƒ where third parties convert Charges make charges in foreign currencycurrencies on a Xxxxx Xxxxx Storecard. In the event that we allow you to use your Xxxxx Xxxxx Storecard at a Xxxxx Xxxxx store or a merchant authorised to accept the Xxxxx Xxxxx Storecard overseas, those third parties may treat refunds differently to the original foreign currency Chargethis section will apply. Additional Supplementary Card Members holders At your request, we may issue a Card on your account to another person (called an Additional Card Member and may previously have been referred to as a Supplementary Card holder). Supplementary Card holders must be aged at least 18 years. We may limit the number of Additional Supplementary Cards issued on one account. We generally do not provide copies of agreements, statements, notices and other communications to a Additional Supplementary Card Memberholder. Please see the ‘Liability’ section of this agreement regarding the liability of an Additional a Supplementary Card Member holder for charges made by that Additional Supplementary Card Memberholder. You agree and are responsible to ensure that each Additional Supplementary Card Member holder reads, understands and complies with this agreement including the Financial Table and any notices and other communications that we may send to you. To cancel a Additional Supplementary Card, please see the ‘Default/ Closing Your Account’ section of this agreement. Cash Advances If we permit you to obtain Cash Advances with your Card, then: ƒ ■ you must enrol and obtain a pass code to access ATMs that accept the Card; ƒ ■ we may impose limits and restrictions on Cash Advances such as the amount of the credit limit available by means of Cash Advances and minimum and maximum limits that apply to Cash Advances for each transaction, day, statement period or otherwise; ƒ ■ participating financial institutions and ATM operators may also impose their own limits and restrictions on Cash Advances such as limits on the number of Cash Advances, the amount of each Cash Advance and access to and available services at ATMs; ƒ ■ we reserve the right, without cause and without providing prior notice to you, to terminate your access to ATMs, even if your account is not in default, however we will notify you as soon as reasonably practicable; ƒ ■ fees apply as set out in the Financial Table and the ATM provider may also charge a fee; and ƒ ■ you must comply with any additional terms and conditions that we provide to you. We generally do not allow cash advances on the Xxxxx Xxxxx Storecard. Recurring Charges You or an Additional a Supplementary Card Member holder may authorise a merchant to bill your account at regular intervals for goods or services (called recurring charges). Here are some important things that you need to know about recurring charges and your account. We do not allow recurring charges on the Xxxxx Xxxxx Storecard. Replacement Cards and Cancelled Cards A replacement or new Card (called a replacement Card) may be issued to you if your Card is lost, stolen, damaged, cancelled, renewed or switched to a different Card type. Your Card may also be cancelled or no further charges permitted without a replacement Card being issued (called a cancelled Card). In order to avoid potential disruption of recurring charges and the provision of goods or services by the merchant in the case of a replacement Card or cancelled Card, it is always your responsibility to contact the merchant and provide replacement Card information or make alternate payment arrangements. You agree to be responsible for any recurring charges that may continue to be charged to your account from a Card (including charges to Additional Supplementary Cards on your account) that has been replaced or cancelled. Recurring charges may be automatically charged to a replacement Card without notice to you. Please note that we generally do not provide replacement Card information (such as Card number and Card expiry date) to the merchant. Stopping Recurring Charges To stop recurring charges being billed to your account, you must have the right to do so under your arrangement with the merchant and you must advise the merchant in writing or in another way permitted by the merchant, to stop billing charges to your account. Our Enrolment Services If we permit, you or an Additional a Supplementary Card Member holder may authorise us or our agent to enrol you with a merchant for recurring charges. You will remain responsible to make other payment arrangements until the recurring charges begin to be applied to your account. We are not responsible for any failure to enrol your account for recurring charges or if the merchant fails to charge your account. The paragraph ‘Stopping Recurring Charges’ above also applies if you or an Additional a Supplementary Card Member holder uses our enrolment services.