Common use of Permitted Uses Clause in Contracts

Permitted Uses. You may use your account, subject to any restrictions set out in this agreement to pay for goods and services from merchants who accept the card (called merchants). Here are some examples: • using your card to pay for goods and services by presenting the card to a merchant and complying with their request to sign or enter a code, • using your card or the account to pay for goods and services ordered from a merchant by telephone, internet or mail, and • using an account access cheque (called an Amex cheque) to pay a merchant for goods and services or to pay any other person. If we agree, you may also use your account to obtain funds advances. For example, you may obtain funds advances at any ATM that accepts the card. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions by using an Amex cheque or our telephone or online services. If permitted by the merchant, you may return to the merchant goods or services obtained using your account and receive a credit to your account. We may permit a card to be used for contactless payments which enables you to make charges without signing or entering a code at a participating merchant. This service uses a computer chip that is built into the card and transfers encrypted payment information wirelessly when you hold the card to a contactless reader. You agree to only use the contactless service in accordance with our instructions. We may permit you to use your account with a mobile phone or other type of device to make payments and access services. You agree to only use your account for such payments and services in accordance with our instructions, this agreement and any other user terms that may apply. References in this agreement to using your card, account number or the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is returned or not honoured immediately for its full amount by the financial institution. We may also charge the amount of the cheque to your account.

Permitted Uses. You may use your account, subject to any restrictions set out in this agreement agreement, to pay for goods and services from merchants who accept the card (called merchants). Here are some examples: • using your card to pay for goods and services by presenting the card to a merchant and complying with their request to sign or enter a code, • using your card or the account to pay for goods and services ordered from a merchant by telephone, internet or mail, and • using an account access cheque (called an Amex cheque) to pay a merchant for goods and services or to pay any other person. If we agree, you may also use your account to obtain funds advances. For example, you may obtain funds advances at any ATM that accepts the card. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions by using an Amex cheque or our telephone or online services. If permitted by the merchant, you may return to the merchant goods or services obtained using your account and receive a credit to your account. We may permit a card to be used for contactless payments which enables you to make charges without signing or entering a code at a participating merchant. This service uses a computer chip that is built into the card and transfers encrypted payment information wirelessly when you hold the card to a contactless reader. You agree to only use the contactless service in accordance with our instructions. We may permit you to use your account with a mobile phone or other type of device to make payments and access services. You agree to only use your account for such payments and services in accordance with our instructions, this agreement and any other user terms that may apply. References in this agreement to using your card, account number or the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is returned or not honoured immediately for its full amount by the financial institution. We may also charge the amount of the cheque to your account. You acknowledge that this agreement is being entered into for business purposes. However, you and the company are responsible for all use of the account.

Permitted Uses. You may use your account, subject to any restrictions set out in this agreement to pay for goods and services from merchants who accept the card (called merchants). Here are some examples: • using your card to pay for goods and services by presenting the card to a merchant and complying with their request to sign or enter a code, • using your card or the account to pay for goods and services ordered from a merchant by telephone, internet or mail, and • using an account access cheque (called an Amex cheque) to pay a merchant for goods and services or to pay any other person. If we agree, you may also use your account to obtain funds advances. For example, you may obtain funds advances at any ATM that accepts the card. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions by using an Amex cheque or our telephone or online services. If permitted by the merchant, you may return to the merchant goods or services obtained using your account and receive a credit to your account. We may permit a card to be used for contactless payments which enables you to make charges without signing or entering a code at a participating merchant. This service uses a computer chip that is built into the card and transfers encrypted payment information wirelessly when you hold the card to a contactless reader. You agree to only use the contactless service in accordance with our instructions. We may permit you to use your account with a mobile phone or other type of device to make payments and access services. You agree to only use your account for such payments and services in accordance with our instructions, this agreement and any other user terms that may apply. References in this agreement to using your card, account number or the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is returned or not honoured immediately for its full amount by the financial institution. We may also charge the amount of the cheque to your account. You agree not to use or attempt to use your card or your account as follows: • for getting funds advances, • transferring balances from other card issuers, • to cash a cheque, • to use any Amex cheques, or • for American Express Installment Program, (collectively the unavailable services). The provisions in this agreement that refer to the unavailable services will not apply to you or your account unless we expressly permit you to use any of the unavailable services. The references to the unavailable services in this agreement will not be considered permission for you to use or attempt to use the unavailable services.

Permitted Uses. You may use your accountAccount, subject to any restrictions set out in this agreement Agreement, to pay for goods and services purchases from merchants who accept the card (called merchants)Card. Here are some examples: • This could include using your card Card to pay for goods and services by presenting the card Card to a merchant merchant; and complying with their request to sign or enter a code, • using your card Card or the account Account to pay for goods and services ordered from a merchant by telephone, internet or mail, ; and • using an account access cheque (called an Amex cheque) a Convenience Cheque to pay a merchant for goods and services or to pay any other person. If we agree, you You may also use your account Account to obtain funds advancesCash Advances. For example, you may obtain funds advances Cash Advances at any ATM ATM/ ABM that accepts this Card or at any financial institution that provides over the cardcounter Cash Advances. If we agree, and subject to you filling the appropriate application form, you may be permitted to transfer balances to your accountAccount. For example, we may permit you to transfer balances from cards issued by other financial institutions credit card issuers by using an Amex cheque a Convenience Cheque or through our telephone or online services. If permitted by the merchant, you may return to the merchant goods or services obtained using your account and receive a credit to your account. We may permit a card your Card to be used for contactless payments Contactless Transactions which enables enable you to make charges without signing or entering a code PIN at a participating merchant. This service uses a computer chip that is built into the card and transfers encrypted payment information wirelessly when you hold the card to a contactless reader. You agree to only use the contactless Contactless Transaction service in accordance with our instructions. You may also use your Card in a digital wallet mobile phone application. A digital wallet is a mobile phone application that allows you to make a payment with your Card by waving your mobile phone near a payment terminal, without needing to insert your Card in the payment terminal, and without necessarily having to enter your PIN. You may only use digital wallets that have been approved by us, and we may, in our discretion, withdraw that approval. Digital wallets may be used at participating merchants, for payments up to a maximum amount determined by us, the merchant, or your digital wallet provider. Your use of your digital wallet is governed by your agreement with your digital wallet service provider. Your digital wallet service provider is responsible for the performance of your digital wallet. We are not responsible for any problems you may experience with your digital wallet. We are not responsible for the collection, use, or disclosure of your personal information by your digital wallet service provider, or the security of information transmitted by your mobile phone or your digital wallet service provider. To add your Card to your digital wallet, you must follow the instructions provided by your digital wallet service provider and any additional instructions provided by us. In some circumstances, we may not allow your Card to be added to your digital wallet. We may permit terminate or suspend your use of your Card with your digital wallet for any reason at any time, with or without notice to you. We do not currently charge any additional service fees when you use your Card through a digital wallet. However, we will charge the service fees generally applicable to your use of your Card. You are responsible for any service fees imposed by your digital wallet service provider, your phone company, or any other person. You must maintain the security of your mobile phone by protecting it with a secure access code or biometric, by knowing its location at all times, and by keeping it up to date with the latest operating system software, security patches, and anti-virus and anti-spyware programs. You must only use the latest version of your digital wallet. You must protect and keep confidential your user ID, passwords, and all other credentials you use to log into your mobile phone, to use your account digital wallet, and to make payments with your Card using your digital wallet. If you share these credentials with another person, then any payments made by that person will be deemed to have been authorized by you. You must ensure that only your credentials and fingerprints are recorded on your mobile phone. If the fingerprints or credentials of another person can be used to unlock your mobile phone, then any payments made by that person will be deemed to have been authorized by you. You must not use a digital wallet on a mobile phone that you know or other type of device suspect has its security or integrity compromised (e.g., where the mobile phone has been “rooted”, “jailbroken”, or had its security mechanisms bypassed). If you do, then any payments made using that mobile phone will be deemed to make payments and access serviceshave been authorized by you. You agree must delete your Card from your digital wallet if: • You upgrade, change, sell, give away, or otherwise dispose of your mobile phone; • You temporarily give possession of your mobile phone to only use your account for such payments and services in accordance with our instructions, this agreement and any other user terms that may applyperson (including for repairs); • You terminate your digital wallet service; or • We ask you to do so. References in this agreement You authorize us to using your card, account number or the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is returned or not honoured immediately for its full amount by the financial institution. We may also charge the amount of any Purchases, Cash Advances or balance transfers you make to the cheque to your accountAccount.

Permitted Uses. You may use your account, subject to any restrictions set out in this agreement to pay for goods and services from merchants who accept the card (called merchants). Here are some examples: • using your card to pay for goods and services by presenting the card to a merchant and complying with their request to sign or enter a code, • using your card or the account to pay for goods and services ordered from a merchant by telephone, internet or mail, and • using an account access cheque (called an Amex cheque) to pay a merchant for goods and services or to pay any other person. If we agree, you may also use your account to obtain funds advances. For example, you may obtain funds advances at any ATM that accepts the card. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions by using an Amex cheque or our telephone or online services. If permitted by the merchant, you may return to the merchant goods or services obtained using your account and receive a credit to your account. We may permit a card to be used for contactless payments which enables you to make charges without signing or entering a code at a participating merchant. This service uses a computer chip that is built into the card and transfers encrypted payment information wirelessly when you hold the card to a contactless reader. You agree to only use the contactless service in accordance with our instructions. 3 We may permit you to use your account with a mobile phone or other type of device to make payments and access services. You agree to only use your account for such payments and services in accordance with our instructions, this agreement and any other user terms that may apply. References in this agreement to using your card, account number or the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is returned or not honoured immediately for its full amount by the financial institution. We may also charge the amount of the cheque to your account.

Permitted Uses. You may use your accountAccount, subject to any restrictions set out in this agreement Agreement, to pay for goods and services from merchants Merchants who accept the card Card (called merchantsMerchants). Here are some examples: • using your card Card to pay for goods and services by presenting the card Card to a merchant Merchant and complying with their request to sign or enter a code, your Code; and • using your card Card or the account Account to pay for goods and services ordered from a merchant Merchant by telephone, internet or mail, and • using an account access cheque (called an Amex cheque) to pay a merchant for goods and services or to pay any other person. If we agree, you may also use your account to obtain funds advances. For example, you may obtain funds advances at any ATM that accepts the card. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions by using an Amex cheque or our telephone or online services. If permitted by the merchantMerchant, you may return to the merchant Merchant goods or services obtained using your account Account and receive a credit to your accountAccount. We may permit a card Prohibited Uses You must not: • give your Card or Account number to be used for contactless payments which enables you to make charges without signing others or entering a code at a participating merchant. This service uses a computer chip that is built into the card and transfers encrypted payment information wirelessly when you hold the card to a contactless reader. You agree to only use the contactless service in accordance with our instructions. We may permit you allow them to use your account Card or Account for Charges, identification or any other purpose; • return goods or services obtained using your Account for a cash refund; • use your Card to obtain cash from a Merchant for a Charge recorded as a purchase; • obtain a credit to your Account except by way of a refund for goods or services previously purchased on your Account; • use your Account if you are bankrupt or insolvent or if you do not honestly expect to be able to pay your closing balance on your next Statement; • use your Card if you find or recover it after reporting to us that it was lost or stolen; • transfer balances from another Account with a mobile phone us to pay your Account; • use your Account if your Card has been suspended or cancelled or after the valid date shown on the front of the Card; or • use your Account for an unlawful purpose, including the purchase of goods or services prohibited by the laws of Australia or any other type country where the Card is used or where the goods or services are provided. It is your responsibility to ensure that there is no prohibited use of device to make payments your Account by you and access servicesany Additional Card Members. You agree to only will be responsible for any prohibited use of your account for such payments and services in accordance with our instructions, this agreement and any other user terms that may apply. References in this agreement to using your card, account number Account even if we did not prevent or stop the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is returned or not honoured immediately for its full amount by the financial institution. We may also charge the amount of the cheque to your accountprohibited use.

Permitted Uses. Xxxxx Xxxxx Storecard You may use your account, subject to any restrictions set out in this agreement agreement, to pay for goods and services from merchants who at Xxxxx Xxxxx or a merchant authorised to accept the card (called merchants). Here are some examples: • using your card to pay for goods and services by presenting the card to a merchant and complying with their request to sign or enter a code, • using your card or the account to pay for goods and services ordered from a merchant by telephone, internet or mail, and • using an account access cheque (called an Amex cheque) to pay a merchant for goods and services or to pay any other person. If we agree, you may also use your account to obtain funds advances. For example, you may obtain funds advances at any ATM that accepts the cardXxxxx Xxxxx Storecard. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions institutions. If permitted by Xxxxx Xxxxx , you may return to Xxxxx Xxxxx goods or services obtained using an Amex cheque your account and receive a credit to your account. Xxxxx Xxxxx American Express Card You may use your account, subject to any restrictions set out in this agreement, to pay for goods and services from merchants who accept the Card (called merchants). Here are some examples: ƒ using your Card to pay for goods and services by presenting the Card to a merchant and complying with their request to sign or our telephone enter a code; and ƒ using your Card or online servicesthe account to pay for goods and services ordered from a merchant by telephone, internet or mail. If we agree, you may also use your account to obtain Cash Advances. For example, you may obtain Cash Advances at any ATM that accepts the Card. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions. If permitted by the merchant, you may return to the merchant goods or services obtained using your account and receive a credit to your account. We may permit Prohibited Uses You must not: ƒ if your account is a card Xxxxx Xxxxx Storecard account, use your Card to pay for goods or services with any other merchant other than Xxxxx Xxxxx and those authorised to accept the Xxxxx Xxxxx Xxxxxxxxx; ƒ give your Card or account number to others or allow them to use your Card or account for charges, identification or any other purpose; ƒ return goods or services obtained using your account for a cash refund; use your Card to obtain cash from a merchant for a charge recorded as a purchase; ƒ obtain a credit to your account except by way of a refund for goods or services previously purchased on your account; ƒ use your account if you are bankrupt or insolvent or if you do not honestly expect to be able to pay your minimum payment on your next statement; ƒ use your Card if you recover or find it after having been reported to us as lost or stolen; ƒ transfer balances from another account with us to pay your account; ƒ use your account if your Card has been suspended or cancelled or after the valid date shown on the front of the Card; or ƒ use your account for an unlawful purpose, including the purchase of goods or services prohibited by the laws of Australia or any other country where the Card is used or where the goods or services are provided. It is your responsibility to ensure that there is no prohibited use of your account by you and any Additional Card Members. You will be responsible for contactless payments which enables you to make charges without signing any prohibited use of your account even if we did not prevent or entering a code at a participating merchantstop the prohibited use. This service uses a computer chip that is built into the card Credit Limit We will set your credit limit based on your request, any minimum credit limit and transfers encrypted payment information wirelessly when you hold the card to a contactless readerour assessment of your circumstances. You agree to only use the contactless service in accordance with our instructions. We may permit you to use manage your account so that the outstanding balance on your account (including interest and fee charges) does not exceed the credit limit. However, we may approve charges that result in your balance exceeding your credit limit (an over limit amount). This does not constitute an increase in your credit limit. If you have an over limit amount, an over limit fee may be payable and you must pay to us all amounts that exceed the credit limit, together with a mobile phone or other type of device your minimum payment. Changes by you: You may request, and we may agree, in our discretion and subject to make payments and access servicesyou providing the information we request, to increase your limit at any time. You agree to only use may request that we decrease your account for such payments credit limit and services in accordance with our instructions, this agreement and any other user terms that may apply. References in this agreement to using your card, account number or the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement will always reduce it if asked except if the cheque requested limit is returned below any minimum credit limit or not honoured immediately for its full amount by the financial institution. We may also charge the amount of the cheque to below your accountcurrent outstanding balance.

Permitted Uses. You may use your accountAccount, subject to any restrictions set out in this agreement Agreement, to pay for goods and services from merchants Merchants who accept the card Card (called merchantsMerchants). Here are some examples: • using your card Card to pay for goods and services by presenting the card Card to a merchant Merchant and complying with their request to sign or enter a code, your Code; and • using your card Card or the account Account to pay for goods and services ordered from a merchant Merchant by telephone, internet or mail, and • using an account access cheque (called an Amex cheque) to pay a merchant for goods and services or to pay any other person. If we agree, you may also use your account to obtain funds advances. For example, you may obtain funds advances at any ATM that accepts the card. If we agree, you may be permitted to transfer balances to your account. For example, we may permit you to transfer balances from cards issued by other financial institutions by using an Amex cheque or our telephone or online services. If permitted by the merchantMerchant, you may return to the merchant Merchant goods or services obtained using your account Account and receive a credit to your accountAccount. We may permit a card Prohibited Uses You must not: • give your Card or Account number to be used for contactless payments which enables you to make charges without signing others or entering a code at a participating merchant. This service uses a computer chip that is built into the card and transfers encrypted payment information wirelessly when you hold the card to a contactless reader. You agree to only use the contactless service in accordance with our instructions. We may permit you allow them to use your Card or Account for Charges, identification or any other purpose; • return goods or services obtained using your Account for a cash refund; • use your Card to obtain cash from a Merchant for a Charge recorded as a purchase; • obtain a credit to your Account except by way of a refund for goods or services previously purchased on your Account; • use your Account if you are bankrupt or insolvent or if you do not honestly expect to be able to pay your closing balance on your next statement; • use your Card if you find or recover it after reporting to us that it was lost or stolen; • transfer balances from another account with a mobile phone us to pay your Account; • use your Account if your Card has been suspended or cancelled or after the valid date shown on the front of the Card; or • use your Account for an unlawful purpose, including the purchase of goods or services prohibited by the laws of Australia or any other type country where the Card is used or where the goods or services are provided. It is your responsibility to ensure that there is no prohibited use of device to make payments your Account by you and access servicesany Additional Card Members. You agree to only will be responsible for any prohibited use of your account for such payments and services in accordance with our instructions, this agreement and any other user terms that may apply. References in this agreement to using your card, account number Account even if we did not prevent or stop the account also apply to using your account for payments and to access services with a mobile phone or other type of device. If we permit, a card may be used to cash a cheque at an American Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is returned or not honoured immediately for its full amount by the financial institution. We may also charge the amount of the cheque to your accountprohibited use.