Common use of Not recommended Clause in Contracts

Not recommended. We don’t recommend using your card as a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental. As these retailers will not know how much your final bill will be, they will estimate it and place a hold on the estimated amount. If you choose to use your card as a guarantee of payment, you will not be able to access or spend the amount the retailer estimated during the hold period. We will release any funds held as soon as we are made aware of the exact amount of the transaction. Payments at certain retailers including bars, restaurants and automated petrol pumps When using your card: • at certain retailers, including bars and restaurants, and you don’t authorise the transaction with chip and PIN or contactless method, you will need to have a card balance equal to the bill amount PLUS up to 20%; • to buy fuel at an automated fuel pump, you must have a minimum balance on your card. This is to ensure there are sufficient funds available to cover the final cost of the transaction (and any tips) and to reduce the risk of a negative balance on your card. We monitor risk of negative balance and may update the “When using your card” list from time to time on the website. If your actual spend is less than the additional amount added, it may take up to 7 days from the date of the transaction before the difference is available to spend. We will only deduct the actual final bill amount from your card. Toll booths, car park vending machines and in-flight payments You may not be able to use your card at some toll booths, car park vending machines and on board cruises or planes. This is because some of these retailers cannot obtain an online authorisation from us.

Not recommended. We don’t recommend using your card as a guarantee of payment; for example, for example as a deposit for hotels, cruise lines or car rental. As these retailers will not know how much your final bill will be, they will estimate it and place a hold on the estimated amount. If you choose to use your card as a guarantee of payment, you will not be able to access or spend the amount the retailer estimated during the hold period. We will release any relevant funds held as soon as we are made aware of the exact amount of the transactionretailer allows us to do so. Payments at certain retailers including bars, restaurants and automated petrol pumps When using your card: • ● at certain retailers, including bars and restaurants, and you don’t authorise the transaction with chip and PIN or via the contactless method, method – you will need to have a card balance equal to the bill amount PLUS up to 2015%; • ● to buy goods or services at certain retailers; for example, to buy fuel at an automated fuel pump, pump you must have a minimum balance on your card. This is to ensure there are sufficient funds available to cover the final cost of the transaction (and any tips) and to reduce the risk of a negative balance on your card. We monitor risk of negative balance and may update the “When using your card” list from time For more information, please refer to time on the website. If your actual spend is less than the additional amount added, it may take up to 7 days from the date of the transaction before the difference is available to spend. We will only deduct the actual final bill amount from your card. Toll booths, car park vending machines and in-flight payments You may not be able to use your card at some toll booths, car park vending machines and on on-board cruises or planes. This is because some of these retailers cannot obtain an online authorisation from us.

Not recommended. We don’t recommend using your card as a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental. As these retailers will not know how much your final bill will be, they will estimate it and place a hold on the estimated amount. If you choose to use your card as a guarantee of payment, you will not be able to access or spend the amount the retailer estimated during the hold period. We will release any funds held as soon as we are made aware of the exact amount of the transaction. Payments at certain retailers including bars, restaurants and automated petrol pumps When using your card: • at certain retailers, including bars and restaurants, and you don’t authorise the transaction with chip and PIN or contactless method, you will need to have a card balance equal to the bill amount PLUS up to 2015%; • to buy fuel at an automated fuel pump, you must have a minimum balance on your card. This is to ensure there are sufficient funds available to cover the final cost of the transaction (and any tips) and to reduce the risk of a negative balance on your card. We monitor risk of negative balance and may update the “When using your card” list from time to time on the website. If your actual spend is less than the additional amount added, it may take up to 7 days from the date of the transaction before the difference is available to spend. We will only deduct the actual final bill amount from your card. Toll booths, car park vending machines and in-flight payments You may not be able to use your card at some toll booths, car park vending machines and on board cruises or planes. This is because some of these retailers cannot obtain an online authorisation from us.

Not recommended. We don’t recommend using your card as a guarantee of payment; for example, for example as a deposit for hotels, cruise lines or car rental. As these retailers will not know how much your final bill will be, they will estimate it and place a hold on the estimated amount. If you choose to use your card as a guarantee of payment, you will not be able to access or spend the amount the retailer estimated during the hold period. We will release any relevant funds held as soon as we are made aware of the exact amount of the transactionretailer allows us to do so. Payments at certain retailers including bars, restaurants and automated petrol pumps When using your card: • at certain retailers, including bars and restaurants, and you don’t authorise the transaction with chip and PIN or via the contactless method, method – you will need to have a card balance equal to the bill amount PLUS up to 2015%; • to buy goods or services at certain retailers; for example, to buy fuel at an automated fuel pump, pump you must have a minimum balance on your card. This is to ensure there are sufficient funds available to cover the final cost of the transaction (and any tips) and to reduce the risk of a negative balance on your card. We monitor risk of negative balance and may update the “When using your card” list from time For more information, please refer to time on the website. If your actual spend is less than the additional amount added, it may take up to 7 days from the date of the transaction before the difference is available to spend. We will only deduct the actual final bill amount from your card. Toll booths, car park vending machines and in-flight payments You may not be able to use your card at some toll booths, car park vending machines and on on-board cruises or planes. This is because some of these retailers cannot obtain an online authorisation from us.

Not recommended. We don’t recommend using your card as a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental. As these retailers will not know how much your final bill will be, they will estimate it and place a hold on the estimated amount. If you choose to use your card as a guarantee of payment, you will not be able to access or spend the amount the retailer estimated during the hold period. We will release any funds held as soon as we are made aware of the exact amount of the transaction. Payments at certain retailers including bars, restaurants and automated petrol pumps When using your card: • at certain retailers, including bars and restaurants, and you don’t authorise the transaction with chip and PIN or contactless method, you will need to have a card balance equal to the bill amount PLUS up to 20%; • to buy fuel at an automated fuel pump, you must have a minimum balance on your card. This is to ensure there are sufficient funds available to cover the final cost of the transaction (and any tips) and to reduce the risk of a negative balance on your card. We monitor risk of negative balance and may update the “When using your card” list from time to time on the website. If your actual spend is less than the additional amount added, it may take up to 7 days from the date of the transaction before the difference is available to spend. We will only deduct the actual final bill amount from your card. Toll booths, car park vending machines and in-flight payments You may not be able to use your card at some toll booths, car park vending machines and on board cruises or planes. This is because some of these retailers cannot obtain an online authorisation from us.

Not recommended. We don’t recommend using your card as a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental. As these retailers will not know how much your final bill will be, they will estimate it and place a hold on the estimated amount. If you choose to use your card as a guarantee of payment, you will not be able to access or spend the amount the retailer estimated during the hold period. We will release any funds held as soon as we are made aware of the exact amount of the transaction. Payments at certain retailers including bars, restaurants and automated petrol pumps When using your card: • at certain retailers, including bars and restaurants, and you don’t authorise the transaction with chip and PIN or contactless method, you will need to have a card balance equal to the bill amount PLUS up to 20%; • to buy fuel at an automated fuel pump, you must have a minimum balance on your card. This is to ensure there are sufficient funds available to cover the final cost of the transaction (and any tips) and to reduce the risk of a negative balance on your card. We monitor risk of negative balance and may update the “When using your you card” list from time to time on the website. If your actual spend is less than the additional amount added, it may take up to 7 days from the date of the transaction before the difference is available to spend. We will only deduct the actual final bill amount from your card. Toll booths, car park vending machines and in-flight payments You may not be able to use your card at some toll booths, car park vending machines and on board cruises or planes. This is because some of these retailers cannot obtain an online authorisation from us.