Common use of Statements and Payments Clause in Contracts

Statements and Payments. 6.1 Normally you will receive a monthly statement for your Card, unless your Account has a nil balance and has not been used. If there is no balance outstanding on your Account you will receive a statement at least annually. 6.2 If an unauthorised or incorrectly executed payment has been made from your Account, within the EEA, you must notify us without undue delay. If we fail to execute a payment and you are eligible for a refundunder condition 5, we will, without undue delay, put your Account back into the position it would have been in had the payment been correctly executed and reimburse you for any charges you have incurred and interest you have been charged by us for the incorrect execution 6.3 You will only be entitled to redress for an unauthorised or incorrectly executed payment if you tell us of the Transaction without undue delay and, in any event no later than 13 months after the debit date. 6.4 You must pay us at least • £5 (or the full amount if less than £5); or • 3% of the balance outstanding (or for customers on Direct Debit, the fixed percentage of the monthly statement balance as chosen by you); or • 1% of the balance outstanding and default charges and interest on the current statement; whichever is the greater, to reach us by the payment due date as shown on your monthly Account statement. Failure to make the minimum payment by the payment due date may result in the Authorisation of the Transactions being declined and a fee being applied to your Account. 6.5 On receiving your monthly Account statement you must immediately pay us any amount in excess of your Credit Limit, plus any other amount owed as a result of breaching this Agreement. 6.6 We cannot make allowance for payments made at any First Trust Bank branch or any other bank until they reach First Trust Bank, Card Services and are credited to your Account. The time it takes for a payment to reach your Account will vary depending on the payment method you have chosen. 6.7 If the Account balance exceeds the agreed Credit Limit, any amount collected by Direct Debit will be the agreed percentage of the monthly statement balance plus the amount over the limit. Should a payment (other than in cash) be received more than three days prior to the payment due date, the amount collected by Direct Debit will be reduced by this amount. Payments received within three days of the payment due date will not have any bearing on the amount collected by Direct Debit. 6.8 If you do not pay your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Most commonly occurring payment types, which must be in sterling, are deducted from the Account balance in the following order: (a) all interest, administration and handling charges shown on any statement issued prior to receiving the repayment; (b) all Cash Advances shown on any statement issued prior to receiving the repayment; (c) all purchases shown on previous statements; (d) all purchases shown on present statement; (e) any Cash Advances not yet shown on a statement; (f) all other fees not yet shown on a statement; (g) any purchase not yet shown on a statement. 6.9 You shall ensure that funds are available to meet any Direct Debit payment authorised in respect of your obligations under this Agreement. You will authorise your bank to pay upon presentation all Direct Debits initiated by us in respect of any sums due to us under this Agreement. 6.10 Payment value will be applied in sterling to reduce the balance on your Account for the Banking Day the funds are received. If funds are received after 6pm or on a non- Banking Day, value will be given for the next Banking Day. You should be aware that payment processing times may differ depending on the payment method chosen and that payment processing times may be extended by a further Banking Day for paper initiated payments. 6.11 Should any payment to your Account by cheque or Direct Debit be subsequently returned unpaid for any reason, the payment will be deemed not to have been received, and we may charge to your Account the interest that would have been due had the payment not been made in the first instance. This will be additional to any charge as advised to you.

Statements and Payments. 6.1 Normally you will receive a monthly statement for your Card, unless your Account has a nil balance and has not been used. If there is no balance outstanding on your Account you will receive a statement at least annually. 6.2 If an unauthorised or incorrectly executed payment has been made from your Account, within the EEA, you must notify us without undue delay. If we fail to execute a payment and you are eligible for a refundunder refund under condition 5, we will, without undue delay, put your Account back into the position it would have been in had the payment been correctly executed and reimburse you for any charges you have incurred and interest you have been charged by us for the incorrect execution. 6.3 You will only be entitled to redress for an unauthorised or incorrectly executed payment if you tell us of the Transaction without undue delay and, in any event no later than 13 months after the debit date. 6.4 You shall ensure that funds are available to meet any cheque drawn or Direct Debit authorised in respect of your obligations under this Agreement. You will authroise your bank to pay up on presentation of all Direct Debits initiated by us in respect of any sums due under this Agreement. Condition 6.5 applies to Visa, INTO and ICAI Cards only. 6.5 You must pay us at least • £5 (or the full amount if less than £5); or • 3% of the balance outstanding (or for customers on Direct Debit, the fixed percentage of the monthly statement balance as chosen by you); or • 1% of the balance outstanding and default charges and interest on the current statement; whichever is the greater, to reach us by the payment due date as shown on your monthly Account statement. Failure to make the minimum payment by the payment due date may result in the Authorisation of the Transactions being declined and a fee being applied to your Account. 6.5 6.6 On receiving your monthly Account statement you must immediately pay us any amount in excess of your Credit Limit, plus any other amount owed as a result of breaching this Agreement. 6.6 6.7 We cannot make allowance allowances for payments made at any First Trust Bank branch or any other bank until they reach First Trust Bank, Card Services and are credited to your Account. The time it takes for a payment to reach your Account will vary depending on the payment method you have chosen. 6.7 6.8 If the Account balance exceeds the agreed Credit Limit, any amount collected by Direct Debit will be the agreed percentage of the monthly statement balance plus the amount over the limit. Should a payment (other than in cash) be received more than three days prior to the payment due date, the amount collected by Direct Debit will be reduced by this amount. Payments received within three days of the payment due date will not have any bearing on the amount collected by Direct Debit. 6.8 6.9 If you do not pay your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Most commonly occurring payment types, which must be in sterling, are deducted from the Account balance in the following order: (a) all interest, administration and handling charges shown on any statement issued prior to receiving the repayment; (b) all Cash Advances shown on any statement issued prior to receiving the repayment; (c) all purchases shown on previous statements; (d) all purchases shown on present statement; (e) any Cash Advances not yet shown on a statement; (f) all other fees not yet shown on a statement; (g) any purchase not yet shown on a statement. 6.9 You shall ensure that funds are available to meet any Direct Debit payment authorised in respect of your obligations under this Agreement. You will authorise your bank to pay upon presentation all Direct Debits initiated by us in respect of any sums due to us under this Agreement. 6.10 Payment value will be applied in sterling to reduce the balance on your Account for the Banking Day the funds are received. If funds are received after 6pm or on a non- non-Banking Day, value will be given for the next Banking Day. You should be aware that payment processing times may differ depending on the payment method chosen and that payment processing times may be extended by a further Banking Day for paper initiated payments. 6.11 Should any payment to your Account by cheque or Direct Debit be subsequently returned unpaid for any reason, the payment will be deemed not to have been received, received and we may charge to your Account the interest that would have been due had the payment not been made in the first instance. This will be additional to any charge charges as advised to you.

Statements and Payments. 6.1 Normally you will receive a monthly statement for your Card, unless your Account has a nil balance and has not been used. If there is no balance outstanding on your Account you will receive a statement at least annually. 6.2 If an unauthorised or incorrectly executed payment has been made from your Account, within the EEA, you must notify us without undue delay. If we fail to execute a payment and you are eligible for a refundunder refund under condition 5, we will, without undue delay, put your Account back into the position it would have been in had the payment been correctly executed and reimburse you for any charges you have incurred and interest you have been charged by us for the incorrect execution. 6.3 You will only be entitled to redress for an unauthorised or incorrectly executed payment if you tell us of the Transaction without undue delay and, in any event no later than 13 months after the debit date. 6.4 You must pay us at least • £5 (or the full amount balance if less than £5); or • 3% of the balance outstanding (or for customers on Direct Debit, the fixed percentage of the monthly statement balance as chosen by you); or • 1% of the balance outstanding and default charges and interest on the current statement; whichever is the greater, to reach us by the payment due date as shown on your monthly Account statement. Failure to make the minimum payment by the payment due date may result in the Authorisation of the Transactions Transaction being declined and a fee being applied to your Account. 6.5 On receiving your monthly Account statement you must immediately pay us any amount in excess of your Credit Limit, plus any other amount owed as a result of breaching this Agreement. 6.6 We cannot make allowance for payments made at any First Trust Allied Irish Bank (GB) branch or any other bank until they reach First Trust BankAllied Irish Bank (GB), Card Services and are credited to your Account. The time it takes for a payment to reach your Account will vary depending on the payment method you have chosen. 6.7 If the Account balance exceeds the agreed Credit Limit, any amount collected by Direct Debit will be the agreed percentage of the monthly statement balance plus the amount over the limit. Should a payment (other than in cash) be received more than three days prior to the payment due date, the amount collected by Direct Debit will be reduced by this amount. Payments received within three days of the payment due date will not have any bearing on the amount collected by Direct Debit. 6.8 If you do not pay your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Most commonly occurring payment types, which must be in sterling, are deducted from the Account balance in the following order: (a) all interest, administration and handling charges shown on any statement issued prior to receiving the repayment; (b) all Cash Advances shown on any statement issued prior to receiving the repayment; (c) all purchases shown on previous statements; (d) all purchases shown on present statement; (e) any Cash Advances not yet shown on a statement; (f) all other fees not yet shown on a statement; (g) any purchase not yet shown on a statement. 6.9 You shall ensure that funds are available to meet any Direct Debit payment authorised in respect of your obligations under this Agreement. You will authorise your bank to pay upon presentation all Direct Debits initiated by us in respect of any sums due to us under this Agreement. 6.10 Payment value will be applied in sterling to reduce the balance on your Account for the Banking Day the funds are received. If funds are received after 6pm or on a non- non-Banking Day, value will be given for the next Banking Day. You should be aware that payment processing times may differ depending on the payment method chosen and that payment processing times may be extended by a further Banking Day for paper initiated payments. 6.11 Should any payment to your Account by cheque or Direct Debit be subsequently returned unpaid for any reason, the payment will be deemed not to have been received, and we may charge to your Account the interest that would have been due had the payment not been made in the first instance. This will be additional to any charge as advised to you.

Statements and Payments. 6.1 Normally you will receive a monthly statement for your Card, unless your Account has a nil balance and has not been used. If there is no balance outstanding on your Account you will receive a statement at least annually. 6.2 If an unauthorised or incorrectly executed payment has been made from your Account, within the EEA, you must notify us without undue delay. If we fail to execute a payment and you are eligible for a refundunder refund under condition 5, we will, without undue delay, put your Account back into the position it would have been in had the payment been correctly executed and reimburse you for any charges you have incurred and interest you have been charged by us for the incorrect execution. 6.3 You will only be entitled to redress for an unauthorised or incorrectly executed payment if you tell us of the Transaction without undue delay and, in any event no later than 13 months after the debit date. 6.4 You must pay us at least • £5 (or the full amount balance if less than £5); or • 3% of the balance outstanding (or for customers on Direct Debit, the fixed percentage of the monthly statement balance as chosen by you); or • 1% of the balance outstanding and default charges and interest on the current statement; whichever is the greater, to reach us by the payment due date as shown on your monthly Account statement. Failure to make the minimum payment by the payment due date may result in the Authorisation of the Transactions Transaction being declined and a fee being applied to your Account. 6.5 On receiving your monthly Account statement you must immediately pay us any amount in excess of your Credit Limit, plus any other amount owed as a result of breaching this Agreement. 6.6 We cannot make allowance for payments made at any First Trust Allied Irish Bank (GB) branch or any other bank until they reach First Trust BankAllied Irish Bank (GB), Card Services and are credited to your Account. The time it takes for a payment to reach your Account will vary depending on the payment method you have chosen. 6.7 If the Account balance exceeds the agreed Credit Limit, any amount collected by Direct Debit will be the agreed percentage of the monthly statement balance plus the amount over the limit. Should a payment (other than in cash) be received more than three days prior to the payment due date, the amount collected by Direct Debit will be reduced by this amount. Payments received within three days of the payment due date will not have any bearing on the amount collected by Direct Debit. 6.8 If you do not pay your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Most commonly occurring payment types, which must be in sterling, are deducted from the Account balance in the following order: (a) all interest, administration and handling charges shown on any statement issued prior to receiving the repayment; (b) all Cash Advances shown on any statement issued prior to receiving the repayment; (c) all purchases shown on previous statements; (d) all purchases shown on present statement; (e) any Cash Advances not yet shown on a statement; (f) all other fees not yet shown on a statement; (g) any purchase not yet shown on a statement. 6.9 You shall ensure that funds are available to meet any cheque drawn or Direct Debit payment authorised in respect of your obligations under this Agreement. You will authorise your bank to pay upon presentation all Direct Debits initiated by us in respect of any sums due to us under this Agreement. 6.10 Payment value will be applied in sterling to reduce the balance on your Account for the Banking Day the funds are received. If funds are received after 6pm or on a non- non-Banking Day, value will be given for the next Banking Day. You should be aware that payment processing times may differ depending on the payment method chosen and that payment processing times may be extended by a further Banking Day for paper initiated payments. 6.11 Should any payment to your Account by cheque or Direct Debit be subsequently returned unpaid for any reason, the payment will be deemed not to have been received, received and we may charge to your Account the interest that would have been due had the payment not been made in the first instance. This will be additional to any charge as advised to you.

Statements and Payments. 6.1 Normally you will receive a monthly statement for your Card, unless your Account has a nil balance and has not been used. If there is no balance outstanding on your Account you will receive a statement at least annually. 6.2 If an unauthorised or incorrectly executed payment has been made from your Account, within the EEA, you must notify us without undue delay. If we fail to execute a payment and you are eligible for a refundunder refund under condition 5, we will, without undue delay, put your Account back into the position it would have been in had the payment been correctly executed and reimburse you for any charges you have incurred and interest you have been charged by us for the incorrect execution 6.3 You will only be entitled to redress for an unauthorised or incorrectly executed payment if you tell us of the Transaction transaction without undue delay and, in any event no later than 13 months after the debit date. 6.4 You must pay us at least • £5 (or the full amount if less than £5); or • 3% of the balance outstanding (or for customers on Direct Debit, the fixed percentage of the monthly statement balance as chosen by you); or • 1% of the balance outstanding and default charges and interest on the current statement; whichever is the greater, to reach us by the payment due date as shown on your monthly Account statement. Failure to make the minimum payment by the payment due date may result in the Authorisation of the Transactions being declined and a fee being applied to your Account. 6.5 On receiving your monthly Account statement you must immediately pay us any amount in excess of your Credit Limit, plus any other amount owed as a result of breaching this Agreement. 6.6 We cannot make allowance for payments made at any First Trust Bank branch or any other bank until they reach First Trust Bank, Card Services and are credited to your Account. The time it takes for a payment to reach your Account will vary depending on the payment method you have chosen. 6.7 If the Account balance exceeds the agreed Credit Limit, any amount collected by Direct Debit will be the agreed percentage of the monthly statement balance plus the amount over the limit. Should a payment (other than in cash) be received more than three days prior to the payment due date, the amount collected by Direct Debit will be reduced by this amount. Payments received within three days of the payment due date will not have any bearing on the amount collected by Direct Debit. 6.8 If you do not pay your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Most commonly occurring payment types, which must be in sterling, are deducted from the Account balance in the following order: (a) all interest, administration and handling charges shown on any statement issued prior to receiving the repayment; (b) all Cash Advances shown on any statement issued prior to receiving the repayment; (c) all purchases shown on previous statements; (d) all purchases shown on present statement; (e) any Cash Advances not yet shown on a statement; (f) all other fees not yet shown on a statement; (g) any purchase not yet shown on a statement. 6.9 You shall ensure that funds are available to meet any Direct Debit payment authorised in respect of your obligations under this Agreement. You will authorise your bank to pay upon presentation all Direct Debits initiated by us in respect of any sums due to us under this Agreement. 6.10 Payment value will be applied in sterling to reduce the balance on your Account for the Banking Day the funds are received. If funds are received after 6pm or on a non- Banking Day, value will be given for the next Banking Day. You should be aware that payment processing times may differ depending on the payment method chosen and that payment processing times may be extended by a further Banking Day for paper initiated payments. 6.11 Should any payment to your Account by cheque or Direct Debit be subsequently returned unpaid for any reason, the payment will be deemed not to have been received, and we may charge to your Account the interest that would have been due had the payment not been made in the first instance. This will be additional to any charge as advised to you.