Common use of LIABILITY FOR LOST/STOLEN CARDS AND UNAUTHORISED TRANSACTIONS Clause in Contracts

LIABILITY FOR LOST/STOLEN CARDS AND UNAUTHORISED TRANSACTIONS. (a) Provided that you and the Corporation have not acted fraudulently or with gross negligence and you have not failed to inform us in accordance with clause 3.2 above of the loss, theft or unauthorised use of your Card and/ or the PIN/TIN, subject to clause 17.4 below, you and/or the Corporation shall not be liable for any unauthorised transactions (except cash advances) carried out before and/or after we have been notified of the loss, theft or unauthorised use, and we will waive your and/or the Corporation’s liability: (i) arising due to misuse of a Card, if that Card is not received by you or the Corporation; (ii) for any or all transactions not authorised by you after we have been given adequate notification that the Card and/or PIN/TIN has been lost, stolen or used in an unauthorised way or that someone else knows the PIN/TIN (subject to clause 3.4 below); (iii) where a fault has occurred at any terminal, or in any other system of any bank, which cause you and/or the Corporation to suffer loss, unless the fault was obvious or advised by a message or notice on display; (iv) due to failure of our security features in respect of the Card; and/or (v) when transactions are made through the use of counterfeit cards or fraud (not involving you and/or the Corporation). (b) Notwithstanding the application of clause 3.3(a) above, your and/or the Corporation’s liability for any monthly or other periodic payment arrangements already established before we have been notified of the loss, theft or unauthorised use shall continue in accordance with clause 17.4. (c) Our liability for loss incurred by you and/or the Corporation in any of the circumstances mentioned above shall be limited to our above waiver of your and/or the Corporation’s liability to us for the total amount (whether principal, interest or otherwise) charged to the Card in such circumstances. (d) For the avoidance of doubt, if you fail to notify us of the loss, theft or unauthorised use of your Card and/or the PIN/TIN within a reasonable period of time upon the loss, theft or unauthorised use of your Card and/or the PIN/TIN, you shall be deemed to have acted with gross negligence by failing to take reasonable steps to keep the Card and/or PIN/TIN safe to prevent fraud.

LIABILITY FOR LOST/STOLEN CARDS AND UNAUTHORISED TRANSACTIONS. (a) Provided that you and the Corporation have not acted fraudulently or with gross negligence and you have not failed to inform us in accordance with clause 3.2 above of the loss, theft or unauthorised use of your Card and/ or and/or the PIN/TIN, subject to clause 17.4 18.4 below, you and/or the Corporation shall not be liable for any unauthorised transactions (except cash advances) carried out before and/or after we have been notified of the loss, theft or unauthorised use, and we will waive your and/or the Corporation’s liability: (i) arising due to misuse of a Card, if that Card is not received by you or the Corporationyou; (ii) for any or all transactions not authorised by you after we have been given adequate notification that the Card and/or PIN/TIN has been lost, stolen or used in an unauthorised way or that someone else knows the PIN/PIN/ TIN (subject to clause 3.4 below); (iii) where a fault has occurred at any terminal, or in any other system of any bank, which cause you and/or the Corporation to suffer loss, unless the fault was obvious or advised by a message or notice on display; (iv) due to failure of our security features in respect of the Card; and/or (v) when transactions w hen t ransactions are made through the use of counterfeit cards or fraud (not involving you and/or the Corporationyou). (b) Notwithstanding the application of clause 3.3(a) above, your and/or the Corporation’s liability for any monthly or other periodic payment arrangements already established before we have been notified of the loss, theft or unauthorised use shall continue in accordance with clause 17.418.4. (c) Our liability for loss incurred by you and/or the Corporation in any of the circumstances mentioned above shall be limited to our above waiver of your and/or the Corporation’s liability to us for the total amount (whether principal, interest or otherwise) charged to the Card in such circumstances. (d) For the avoidance of doubt, if you fail to notify us of the loss, theft or unauthorised use of your Card and/or the PIN/PIN/ TIN within a reasonable period of time upon the loss, theft or unauthorised use of your Card and/or the PIN/TIN, you shall be deemed to have acted with gross negligence by failing to take reasonable steps to keep the Card and/or PIN/PIN/ TIN safe to prevent fraud.

LIABILITY FOR LOST/STOLEN CARDS AND UNAUTHORISED TRANSACTIONS. (a) Provided that you and the Corporation have not acted fraudulently or with gross negligence and you have not failed to inform us in accordance with clause 3.2 above of the loss, theft or unauthorised use of your Card and/ or and/or the PIN/TIN, subject to clause 17.4 18.4 below, you and/or the Corporation shall not be liable for any unauthorised transactions (except cash advances) carried out before and/or after we have been notified of the loss, theft or unauthorised use, and we will waive your and/or the Corporation’s liability: (i) arising due to misuse of a Card, if that Card is not received by you or the Corporationyou; (ii) for any or all transactions not authorised by you after we have been given adequate notification that the Card and/or PIN/TIN has been lost, stolen or used in an unauthorised way or that someone else knows the PIN/PIN/ TIN (subject to clause 3.4 below); (iii) where a fault has occurred at any terminal, or in any other system of any bank, which cause you and/or the Corporation to suffer loss, unless the fault was obvious or advised by a message or notice on display; (iv) due to failure of our security features in respect of the Card; and/or (v) when transactions are made through the use of counterfeit cards or fraud (not involving you and/or the Corporationyou). (b) Notwithstanding the application of clause 3.3(a) above, your and/or the Corporation’s liability for any monthly or other periodic payment arrangements already established before we have been notified of the loss, theft or unauthorised use shall continue in accordance with clause 17.418.4. (c) Our liability for loss incurred by you and/or the Corporation in any of the circumstances mentioned above shall be limited to our above waiver of your and/or the Corporation’s liability to us for the total amount (whether principal, interest or otherwise) charged to the Card in such circumstances. (d) For the avoidance of doubt, if you fail to notify us of the loss, theft or unauthorised use of your Card and/or the PIN/PIN/ TIN within a reasonable period of time upon the loss, theft or unauthorised use of your Card and/or the PIN/TIN, you shall be deemed to have acted with gross negligence by failing to take reasonable steps to keep the Card and/or PIN/TIN safe to prevent fraud.

LIABILITY FOR LOST/STOLEN CARDS AND UNAUTHORISED TRANSACTIONS. (a) Provided that you and the Corporation have not acted fraudulently or with gross negligence and you have not failed to inform us in accordance with clause 3.2 above of the loss, theft or unauthorised use of your Card and/ or the PIN/TIN, subject to clause 17.4 below, you and/or the Corporation shall not be liable for any unauthorised transactions (except cash advances) carried out before and/or after we have been notified of the loss, theft or unauthorised use, and we will waive your and/or and/ or the Corporation’s liability: (i) arising due to misuse of a Card, if that Card is not received by you or the Corporation; (ii) for any or all transactions not authorised by you after we have been given adequate notification that the Card and/or PIN/TIN has been lost, stolen or used in an unauthorised way or that someone else knows the PIN/TIN (subject to clause 3.4 below); (iii) where a fault has occurred at any terminal, or in any other system of any bank, which cause you and/or the Corporation to suffer loss, unless the fault was obvious or advised by a message or notice on display; (iv) due to failure of our security features in respect of the Card; and/or (v) when w hen transactions are made through the use of counterfeit cards or fraud (not involving you and/or the Corporation). (b) Notwithstanding the application of clause 3.3(a) above, your and/or the Corporation’s liability for any monthly or other periodic payment arrangements already established before we have been notified of the loss, theft or unauthorised use shall continue in accordance with clause 17.4. (c) Our liability for loss incurred by you and/or the Corporation in any of the circumstances mentioned above shall be limited to our above waiver of your and/or the Corporation’s liability to us for the total amount (whether principal, interest or otherwise) charged to the Card in such circumstances. (d) For the avoidance of doubt, if you fail to notify us of the loss, theft or unauthorised use of your Card and/or the PIN/TIN within a reasonable period of time upon the loss, theft or unauthorised use of your Card and/or the PIN/TIN, you shall be deemed to have acted with gross negligence by failing to take reasonable steps to keep the Card and/or PIN/TIN safe to prevent fraud.

LIABILITY FOR LOST/STOLEN CARDS AND UNAUTHORISED TRANSACTIONS. (a) Provided that you and the Corporation have not acted fraudulently or with gross negligence and you have not failed to inform us in accordance with clause 3.2 2.2 above of the loss, theft or unauthorised use of your Card and/ or the PIN/TIN, subject to clause 17.4 belowCard, you and/or the Corporation shall not be liable for any unauthorised transactions (except cash advances) carried out before and/or after we have been notified of the loss, theft or unauthorised use, and we will waive your and/or the Corporation’s liability: (i) arising due to misuse of a Card, if that Card is not received by you or the Corporationyou; (ii) for any or all transactions not authorised by you after we have been given adequate notification that the Card and/or PIN/TIN has been lost, stolen or used in an unauthorised way or that someone else knows the PIN/TIN (subject to clause 3.4 2.4 below); (iii) where a fault has occurred at any terminal, or in any other system of any bank, which cause you and/or the Corporation to suffer loss, unless the fault was obvious or advised by a message or notice on display; (iv) due to failure of our security features in respect of the Card; and/or (v) when transactions are made through the use of counterfeit cards or fraud (not involving you and/or the Corporationyou). (b) Notwithstanding the application of clause 3.3(a) above, your and/or the Corporation’s liability for any monthly or other periodic payment arrangements already established before we have been notified of the loss, theft or unauthorised use shall continue in accordance with clause 17.4. (c) Our liability for loss incurred by you and/or the Corporation in any of the circumstances mentioned above shall be limited to our above waiver of your and/or the Corporation’s liability to us for the total amount (whether principal, interest or otherwise) charged to the Card in such circumstances. (dc) For the avoidance of doubt, if you fail to notify us of the loss, theft or unauthorised use of your Card and/or the PIN/TIN within a reasonable period of time upon the loss, theft or unauthorised use of your Card and/or the PIN/TINCard, you shall be deemed to have acted with gross negligence by failing to take reasonable steps to keep the Card and/or PIN/TIN safe to prevent fraud.