Common use of Loss or Theft of your Card Clause in Contracts

Loss or Theft of your Card. 14.1. You are responsible for protecting your funds as if they were cash. 14.2. You should treat your funds like cash in your wallet and look after it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen or if you think someone is using the Payment Services without your permission or if your Card is damaged or malfunctions: i. you must contact us as soon as possible and you must provide us with your Account or Card number and either your Username and Password or some other identifying details acceptable to us so that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available Balance. 14.4. You will be liable up to a maximum of the first €50/£35 of losses arising from any unauthorised Transactions that take place prior to your notifying us of the loss or theft. If our investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your Prepaid Card or PIN secure), we may reverse any refund made and you may be liable for any loss we suffer because of the use of the Prepaid Card. You will not be held liable for any losses once you have notified us of loss or theft within 13 months of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you shall be liable for all losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.6. Replacement Cards will be posted to the most recent Account address registered by the Cardholder. Failure to provide the correct address will result in a Card Replacement Fee. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.8. You agree to help us, our agents, regulatory authorities and the police if your Card is lost, stolen or if we suspect that the Payment Services are being misused.

Loss or Theft of your Card. 14.1. 13.1 You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from youwallet. 14.3. If your Card is lost or stolen or if you think someone is using the Payment Services without your permission or if your Card is damaged or malfunctions: i. you 13.2 You must contact us as soon as possible and without delay by calling us on the local support phone number found at xxxxx.xxx/xxxx or blocking the Card via the Sokin Mobile App if you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying subject to unauthorised use or that the PIN or any Card related security details acceptable is known to us so an unauthorised person or you think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.4. You will be liable up to a maximum of the first €50/£35 of losses arising from any unauthorised Transactions that take place prior to your notifying us of the loss or theft. 13.3 If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Cardholder Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. You will not be held liable for any losses once you have notified us . 13.4 Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.6. 13.5 Replacement Cards will be posted sent to the most recent Account address registered by the Cardholder. Failure you have provided and will be subject to provide the correct address will result in a Card Replacement Fee. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.8. 13.6 You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 13.7 In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Cardholder Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 13.8 In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay. 13.9 In the event that a Transaction that was executed within the EEA arrived later than it should have according to the terms of this Cardholder Agreement, you may request that we contact the receiving payment institution to ask them to treat it as if it was made on time. 13.10 In the event that a Transaction is made which is initiated by a Payee, we will provide a refund of that amount, subject to clause 13.11, only in circumstances where you can prove that: 13.10.1 the exact Transaction amount was not specified when you authorised the payment; and 13.10.2 the amount of the Transaction exceeds the amount that you could have reasonably expected, taking into account your previous spending pattern, the terms of this Cardholder Agreement and the relevant circumstances of the case. 13.11 The refund referred to in 13.10 will not be provided if: 13.11.1 The amount relates to currency exchange fluctuations; or 13.11.2 You have given your consent to execute the Transaction directly to us; or 13.11.3 Information on the Transaction was provided or made available in an agreed manner to you at least 4 weeks prior to the due date of the Transaction; or 13.11.4 You request the refund from us later than 8 weeks from the date on which it was debited.

Loss or Theft of your Card. 14.111.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after – if it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen stolen, you may lose some or all of the money on your Card unless you contact Customer Support as specified in this condition. 11.2. You must inform Tymit without delay via the chat features in the Mobile App or by calling +00 00 0000 0000 if you think someone is using the Payment Services without your permission know or if your suspect that a Card is damaged lost, stolen, misappropriated or malfunctions: i. subject to unauthorised use or that any Security Details are known to an unauthorised person or you must contact us as soon as possible and you must provide us with your Account or Card number and either your Username and Password or some other identifying details acceptable to us so think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.411.3. You will shall be liable for up to a maximum of the first €50/£35 £35 (or currency equivalent) of losses arising from any due to unauthorised Transactions that take place prior to your notifying us made before you made the notification about the theft, loss or misappropriation of the loss or theftCard. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Cardholder Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid CardCard to the extent permitted by law. 11.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.611.5. Replacement Cards will be posted sent to the most recent Account address registered by you have provided and may be subject to a Fee, as set out in the Cardholder. Failure to provide the correct address will result in a Card Replacement FeeFees Schedule. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.811.6. You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 11.7. In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Cardholder Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 11.8. In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay.

Loss or Theft of your Card. 14.113.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from youwallet. 14.313.2. If your Card is lost or stolen or if you think someone is using the Payment Services without your permission or if your Card is damaged or malfunctions: i. you You must contact us as soon as possible and without delay by calling us on the local support phone number found at xxxxx.xxx/xxxx or blocking the Card via the Sokin Mobile App if you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying subject to unauthorised use or that the PIN or any Card related security details acceptable is known to us so an unauthorised person or you think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.4. You will be liable up to a maximum of the first €50/£35 of losses arising from any unauthorised Transactions that take place prior to your notifying us of the loss or theft13.3. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Cardholder Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. 13.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.613.5. Replacement Cards will be posted sent to the most recent Account address registered by the Cardholder. Failure you have provided and will be subject to provide the correct address will result in a Card Replacement Fee. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.813.6. You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 13.7. In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Cardholder Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 13.8. In the event In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay. 13.9. In the event that a Transaction that was executed within the EEA arrived later than it should have according to the terms of this Cardholder Agreement, you may request that we contact the receiving payment institution to ask them to treat it as if it was made on time. 13.10. In the event that a Transaction is made which is initiated by a Payee, we will provide a refund of that amount, subject to clause 13.11, only in circumstances where you can prove that: 13.10.1 the exact Transaction amount was not specified when you authorised the payment; and 13.10.2 the amount of the Transaction exceeds the amount that you could have reasonably expected, taking into account your previous spending pattern, the terms of this Cardholder Agreement and the relevant circumstances of the case.

Loss or Theft of your Card. 14.111.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after – if it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen stolen, you may lose some or all of the money on your Card unless you contact Customer Support as specified in this condition. 11.2. You must inform Xxxxx without delay via the chat features in the Mobile App or by calling +00 00 0000 0000 if you think someone is using the Payment Services without your permission know or if your suspect that a Card is damaged lost, stolen, misappropriated or malfunctions: i. subject to unauthorised use or that any Security Details are known to an unauthorised person or you must contact us as soon as possible and you must provide us with your Account or Card number and either your Username and Password or some other identifying details acceptable to us so think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.411.3. You will shall be liable for up to a maximum of the first €50/£35 £35 (or currency equivalent) of losses arising from any due to unauthorised Transactions that take place prior to your notifying us made before you made the notification about the theft, loss or misappropriation of the loss or theftCard. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Cardholder Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid CardCard to the extent permitted by law. 11.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.611.5. Replacement Cards will be posted sent to the most recent Account address registered by you have provided and may be subject to a Fee, as set out in the Cardholder. Failure to provide the correct address will result in a Card Replacement FeeFees Schedule. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.811.6. You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 11.7. In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Cardholder Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 11.8. In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay.

Loss or Theft of your Card. 14.1. 12.1 You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after – if it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen stolen, you may lose some or if you think someone is using all of the Payment Services without your permission or if money on your Card is damaged or malfunctions:unless you contact us as specified in this condition. i. you 12.2 You must contact us as soon as possible without delay by calling us on our 24-hour lost and stolen card helpline 0191 303 4545 I f you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying subject to unauthorised use or that the PIN or any Card related security details acceptable is known to us so an unauthorised person or you think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.4. 12.3 You will shall be liable for up to a maximum of the first €50/£35 50 of losses arising from any due to unauthorised Transactions that take place prior to your notifying made before you informed us about the theft, loss or misappropriation of the loss or theftCard. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. You will not be held liable for any losses once you have notified us . 12.4 Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.6. 12.5 Replacement Cards will be posted sent to the most recent Account address registered by the Cardholder. Failure you have provided and will be subject to provide the correct address will result in a Card Replacement Fee. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.8. 12.6 You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 12.7 In the event that you inform us of any unauthorised or incorrectly executed Transaction without undue delay, or in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 12.8 In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay. 12.9 In the event that a Transaction that was executed within the EEA arrived later than it should have according to the terms of this Agreement, you may request that we contact the receiving payment institution to ask them to treat it as if it was made on time. 12.10 In the event that a Transaction is made which is initiated by a Payee (for example, a recurring payment which you have authorised), we will provide a refund of that amount, subject to clause 12.11, only in circumstances where you can prove that: 12.10.1 the exact Transaction amount was not specified when you authorised the payment; and 12.10.2 the amount of the Transaction exceeds the amount that you could have reasonably expected, taking into account your previous spending pattern, the terms of this Agreement and the relevant circumstances of the case. 12.11 The refund referred to in 12.10 will not be provided if: 12.11.1 the amount relates to currency exchange fluctuations; or 12.11.2 you have given your consent to execute the Transaction directly to us; or 12.11.3 information on the Transaction was provided or made available in an agreed manner to you at least 4 weeks prior to the due date of the Transaction; or 12.11.4 you request the refund from us later than 8 weeks from the date on which it was debited.

Loss or Theft of your Card. 14.112.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from youwallet. 14.312.2. If your Card is lost or stolen or if you think someone is using the Payment Services without your permission or if your Card is damaged or malfunctions: i. you You must contact us as soon as possible and without delay by calling us on +00 0000000000 if you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying subject to unauthorised use or that the PIN or any Card-related security details acceptable are known to us so an unauthorised person or you think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.4. You will be liable up to a maximum of the first €50/£35 of losses arising from any unauthorised Transactions that take place prior to your notifying us of the loss or theft12.3. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. 12.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.612.5. Replacement Cards will be posted sent to the most recent Account address registered by you have provided and may be subject to a Fee, as set out in the Cardholder. Failure to provide the correct address will result in a Card Replacement FeeFees & Limits Schedule. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.812.6. You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 12.7. In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 12.8. In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay. 12.9. In the event that a Transaction is made which is initiated by a Payee, we will provide a refund of that amount, subject to clause 12.10, only in circumstances where you can prove that: i. the exact Transaction amount was not specified when you authorised the payment; and ii. the amount of the Transaction exceeds the amount that you could have reasonably expected, taking into account your previous spending pattern, the terms of this Agreement and the relevant circumstances of the case. 12.10. The refund referred to in 12.9 will not be provided if: i. the amount relates to currency exchange fluctuations; or ii. you have given your consent to execute the Transaction directly to us; or iii. information on the Transaction was provided or made available in an agreed manner to you at least 4 weeks prior to the due date of the Transaction; or iv. you request the refund from us later than 8 weeks from the date on which it was debited.

Loss or Theft of your Card. 14.111.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after – if it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen stolen, you may lose some or all of the money on your Card unless you contact Customer Services as specified in this condition. 11.2. You must contact the Program Manager or the Lender without delay via the chat features in the App or by emailing xxxxxxx@xxxxxxxxxx.xxx if you think someone is using the Payment Services without your permission know or if your suspect that a Card is damaged lost, stolen, misappropriated or malfunctions: i. subject to unauthorised use or that any Security Details are known to an unauthorised person or you must contact us as soon as possible and you must provide us with your Account or Card number and either your Username and Password or some other identifying details acceptable to us so think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.411.3. You will shall be liable for up to a maximum of the first €50/£35 £35 (or currency equivalent) of losses arising from any due to unauthorised Transactions that take place prior to your notifying us made before you made the notification about the theft, loss or misappropriation of the loss or theftCard. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. 11.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.611.5. Replacement Cards will be posted sent to the most recent Account address registered by you have provided and may be subject to a Fee, as set out in the Cardholder. Failure to provide the correct address will result in a Card Replacement FeeFees Schedule. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.811.6. You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 11.7. In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Cardholder Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 11.8. In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay.

Loss or Theft of your Card. 14.1. 13.1 You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from youwallet. 14.3. If your Card is lost or stolen or if you think someone is using the Payment Services without your permission or if your Card is damaged or malfunctions: i. you 13.2 You must contact us as soon as possible and without delay by calling us on the local support phone number found at xxxxx.xxx/xxxx or blocking the Card via the Sokin Mobile App if you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying subject to unauthorised use or that the PIN or any Card related security details acceptable is known to us so an unauthorised person or you think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.4. You will be liable up to a maximum of the first €50/£35 of losses arising from any unauthorised Transactions that take place prior to your notifying us of the loss or theft. 13.3 If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Cardholder Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. You will not be held liable for any losses once you have notified us . 13.4 Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.6. 13.5 Replacement Cards will be posted sent to the most recent Account address registered by the Cardholder. Failure you have provided and will be subject to provide the correct address will result in a Card Replacement Fee. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.8. 13.6 You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 13.7 In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Cardholder Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 13.8 In the event In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay. 13.9 In the event that a Transaction that was executed within the EEA arrived later than it should have according to the terms of this Cardholder Agreement, you may request that we contact the receiving payment institution to ask them to treat it as if it was made on time. 13.10 In the event that a Transaction is made which is initiated by a Payee, we will provide a refund of that amount, subject to clause 13.11, only in circumstances where you can prove that: 13.10.1 The exact Transaction amount was not specified when you authorised the payment; and 13.10.2 The amount of the Transaction exceeds the amount that you could have reasonably expected, taking into account your previous spending pattern, the terms of this Cardholder Agreement and the relevant circumstances of the case. 13.11 The refund referred to in 13.10 will not be provided if: 13.11.1 The amount relates to currency exchange fluctuations; or 13.11.2 You have given your consent to execute the Transaction directly to us; or 13.11.3 Information on the Transaction was provided or made available in an agreed manner to you at least 4 weeks prior to the due date of the Transaction; or 13.11.4 You request the refund from us later than 8 weeks from the date on which it was debited.

Loss or Theft of your Card. 14.113.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after – if it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen stolen, you may lose some or if you think someone is using all of the Payment Services without your permission or if money on your Card is damaged or malfunctions:unless you contact us as specified in this condition. i. you 13.2. You must contact us without delay by calling us on our 24-hour toll-free helpline (+00 (000) 000 0000) or [registering the card as soon as possible and lost or stolen on the Mobile App or in your Online Account on the Website] if you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying subject to unauthorised use or that the PIN or any Card-related security details acceptable is known to us so an unauthorised person or you think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.413.3. You will shall be liable for up to a maximum of the first €50/£35 50 (or currency equivalent) of losses arising from any due to unauthorised Transactions that take place prior to your notifying made before you informed us about the theft, loss or misappropriation of the loss or theftCard. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. 13.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.613.5. Replacement Cards will be posted sent to the most recent Account address registered by the Cardholder. Failure you have provided and will be subject to provide the correct address will result in a Card Replacement Fee. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.813.6. You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 13.7. In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 13.8. In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay.

Loss or Theft of your Card. 14.113.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after – if it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen stolen, you may lose some or if you think someone is using all of the Payment Services without your permission or if money on your Card is damaged or malfunctions:unless you contact us as specified in this condition. i. you 13.2. You must contact us as soon as possible and without delay by calling us on 00 00 000 000 0000 if you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying subject to unauthorised use or that the PIN or any Card related security details acceptable is known to us so an unauthorised person or you think that we can be sure we are speaking to you; and ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.413.3. You will may be liable for up to a maximum of the first €50/£35 50 (or currency equivalent) of losses arising from any due to unauthorised Transactions that take place prior to your notifying made before you informed us about the theft, loss or misappropriation of the loss or theftCard. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. 13.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.613.5. Replacement Cards will be posted sent to the most recent Account address registered by the Cardholder. Failure to provide the correct address will result in a Card Replacement Feeyou have provided. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.813.6. You agree to help us, cooperate with our agents, regulatory authorities and any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 13.7. In the event that you inform us of an unauthorised or incorrectly executed Transaction without undue delay, and in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 13.8. In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay.

Loss or Theft of your Card. 14.112.1. You are responsible for protecting your funds Card as if they it were cash. 14.2. You should treat your funds like cash in your wallet and look after – if it accordingly. If you lose your card or it is stolen you may not be able to recover the funds on your account in just the same way as you would usually not be able to recover cash which you lose, or which is stolen from you. 14.3. If your Card is lost or stolen stolen, you may lose some or if you think someone is using all of the Payment Services without your permission or if money on your Card is damaged or malfunctions:unless you contact us as specified in this condition. i. you 12.2. You must contact us as soon as possible and without delay by a contact channel listed on the Website or via email at xxxxx@xxxxxxxx.xxx, if you must provide us with your Account know or suspect that a Card number and either your Username and Password is lost, stolen, misappropriated or some other identifying details acceptable subject to us so unauthorised use or that we can be sure we are speaking the PIN or any of the Security Details is known to you; and ii. Provided we have obtained your consent to close the Account, we will then provide an unauthorised person or you with think that a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available BalanceTransaction has been incorrectly executed. 14.412.3. You will shall be liable for up to a maximum of the first €50/£35 50 of losses arising from any due to unauthorised Transactions that take place prior to your notifying made before you informed us about the theft, loss or misappropriation of the loss or theftCard. If our investigations show reveal that any you authorised a disputed transaction was authorised by you, Transaction or that you have acted fraudulently or that you negligently or with gross negligence intent breached the terms of this Agreement (for example example, by failing to keep not keeping your Prepaid Card or PIN securesafe), we may reverse any refund made and you may be liable for any loss we suffer because of the due to use of the Prepaid Card. 12.4. You will not be held liable for any losses once you have notified us Once a loss, theft or unauthorised use of loss or theft within 13 months your Card is reported, use of the date of the transaction or unless we reasonably determine that you have acted in accordance with clause 15.1.ii. - in which case you Card shall be liable for all blocked to avoid further losses. 14.5. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses. We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number and Username and Password or if you can produce sufficient details to identify yourself and the relevant Account. 14.612.5. Replacement Cards will be posted sent to the most recent Account address registered by you have provided and will be subject to a Fee, as set out in the Cardholder. Failure to provide the correct address will result in a Card Replacement FeeFees & Limits Schedule. 14.7. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip. 14.812.6. You agree to help us, cooperate with our agents, regulatory authorities and any Regulatory Authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 12.7. In the event that you inform us of any unauthorised or incorrectly executed Transaction without undue delay, or in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the Payment Services incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 12.8. In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are being misusedliable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay. 12.9. In the event that a Transaction that was executed within EEA arrived later than it should have according to the terms of this Agreement, you may request that we contact the receiving payment institution to ask them to treat it as if it was made on time. 00.00. Xx the event that a Transaction is made which is initiated by a Payee, we will provide a refund of that amount, subject to clause 12.11, only in circumstances where you can prove that: 12.10.1 the exact Transaction amount was not specified when you authorised the payment; and 12.10.2 the amount of the Transaction exceeds the amount that you could have reasonably expected, taking into account your previous spending pattern, the terms of this Agreement and the relevant circumstances of the case. 12.11. The refund referred to in 12.10 will not be provided if: 12.11.1 the amount relates to currency exchange fluctuations; or 12.11.2 you have given your consent to execute the Transaction directly to us; or 12.11.3 information on the Transaction was provided or made available in an agreed manner to you at least 4 weeks prior to the due date of the Transaction; or 12.11.4 you request the refund from us later than 8 weeks from the date on which it was debited.