Common use of TERMINATION OR SUSPENSION Clause in Contracts

TERMINATION OR SUSPENSION. 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. In the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 17.1 We can terminate this Agreement at any time: 16.1.1. 17.1.1 if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. 17.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. 17.2 We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 17.2.1 we discover any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2. we believe that this is necessary for security reasons17.2.2 a transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if 17.2.3 you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or My Account password or the App or the Passcode passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any your transactions due to the actions of thirdpartiesthird parties. 16.3. 17.3 In the event that we do suspend or terminate any Cards or Accounts your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 17.4 You can terminate this Agreement at any time by contacting Customer Services. 17.5 In the event that any additional fees are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will send a notification an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. : (a) if we give you two calendar months’ 30 days' notice and refund the Available Balance to you without charge, or 16.1.2. you; (b) with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third partiesparties or following any suspension of the Card under paragraph 15.2.6; or (c) with immediate effect if we have other serious grounds for doing so. 16.2. 15.2 We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 in the event of any fault or failure in our Transaction processing system; or 15.2.2 if we believe your Card details have been compromised; or 15.2.3 we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2. we believe that this is necessary for security reasons15.2.4 a Transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if 15.2.5 you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use or have permitted the Card or Account or the App or the Passcode to be used in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions your Transactions due to the actions of thirdpartiesthird parties; or 15.2.6 due to fraudulent or other suspicious activity on your Account; or 15.2.7 if we have other serious grounds for doing so; or 15.2.8 if we reasonably believe to be required to do so by law or in order to comply with recommendations issued by a relevant government authority or recognised body for the prevention of financial crime or other illegal activity. 16.3. In 15.3 You can terminate this Agreement at any time following the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to Cancellation Period by contacting the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken placeCard Support team. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar months60 days’ notice and refund the Available Balance to you without charge, you; or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third parties. 16.2. 15.2 We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or; 16.2.2. we believe that this is necessary for security reasons; or15.2.2 a Transaction has been declined because of a lack of Available Balance; 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if 15.2.3 you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions your Transactions due to the actions of thirdparties.third parties; 16.3. 15.3 In the event that we do suspend or terminate any Cards or Accounts cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction Transaction if a suspension has taken place. 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreementthese terms and conditions, you shall refund to us any sum which relates to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will We’ll send a notification an invoice to you and will require you to refund us immediatelywithin 14 days. Should you not repay this amount immediately after within 14 days of receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. 15.2 We can suspend or terminate any Cards and/or, and Account Details at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover any of the Information that you or any additional Cardholder has have provided to us in relation to when applied for your Account and/or Card(s) is was incorrect; or 16.2.2. 15.2.2 we believe that this is necessary for security reasons; or 16.2.3. 15.2.3 if we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. 15.2.4 if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permittedLimit; or 16.2.5. 15.2.5 any legal obligations require us to do so; or 16.2.6. 15.2.6 you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App Self Service Account Management Portal Password or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. 15.3 In the event that we do suspend or terminate any Cards or Accounts your Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding. 15.5 If we discover that the Information we hold about you is incorrect, we may have to suspend or cancel your Account until we can establish the correct Information, in order to protect us both.

TERMINATION OR SUSPENSION. ‌ 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful negligentmannerorforfraudulentorotherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. In the event that we do suspend or terminate orterminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or usorus, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.117.1. We can terminate this Agreement at any timetime provided that: 16.1.117.1.1. if we will give you two calendar months’ 2 months prior notice and refund the Available Balance to you without charge, ; or 16.1.217.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.217.2. If you cease to be eligible to participate in the Programme, for whatever reason, you will be unable to use your Card and you will not receive any further Cashback associated with your Card. Your Available Balance may be redeemed by you until the Card expires, and in accordance with paragraph 9 (fees may apply see paragraph 13). 17.3. We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default or breach of this Agreement has been remedied or the this Agreement is terminated) without any prior notice to you if: 16.2.117.3.1. we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or. 16.2.217.3.2. we believe that this is necessary for security reasons; ora transaction has been declined because of a lack of Available Balance. 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.617.3.3. you or any Cardholders have breached this Agreement or if we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any your transactions due to the actions of thirdpartiesthird parties. 16.317.3.4. we reasonably consider it necessary to protect the security of your Card or because we suspect the Card is being used for illegal purposes. We will tell you in advance where we are able to, otherwise we will let you know immediately afterwards, unless we are prohibited to do so by law. 17.4. We may suspend your right to use your Card or refuse a transaction where we are required to do so by law or to comply with any regulatory requirement. 17.5. In the event that we do suspend or terminate any Cards or Accounts cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction if a suspension has taken place. 16.417.6. You can terminate this Agreement at any time by contacting Customer Services. 17.7. In the event that any additional fees and/or charges are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreement, you shall refund to us the Programme Manager any sum sums which relates relate to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will The Programme Manager shall send a notification an invoice to you and will require you to refund us immediatelyrepay them within 14 days. Should you not repay this amount immediately after within 14 days of receiving notice an invoice from us we the Programme Manager, they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar 2 months’ prior notice (provided that you have supplied us with an up-to-date email address) and refund the Available Balance to you without chargeyou, or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties.if 16.2. 15.2 We can suspend suspend, block or terminate any Cards and/or, cancel your Card and/or your Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover any of the Information information that you or any additional Cardholder has provided to us when you applied for your Card was incorrect, 15.2.2 you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in relation a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties; 15.2.3 we suspect or to prevent suspected unauthorised or fraudulent use of your Card, Account or any security credentials related to your Account and/or Card(s) is incorrect; orCard or Account; 16.2.2. 15.2.4 you have reached your Card limit; 15.2.5 we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. 15.2.6 any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. 15.3 In the event that we do suspend suspend, block or terminate any Cards or Accounts cancel your Card and/or Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place.immediately 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will send a notification an invoice to you and will require you to refund us immediatelywithin 14 days. Should you not repay this amount immediately after within 14 days of receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingoutstanding together with any costs incurred in recovering such monies.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar months60 days’ notice and refund the Available Balance to you without chargeyou, or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third parties. 16.2. 15.2 We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2. we believe that this is necessary for security reasons15.2.2 a Transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if 15.2.3 you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions your Transactions due to the actions of thirdpartiesthird parties. 16.3. 15.3 In the event that we do suspend or terminate any Cards or Accounts cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction Transaction if a suspension has taken place. 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreementthese Terms and Conditions, you shall refund to us any sum which relates to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will We’ll send a notification an invoice to you and will require you to refund us immediatelywithin 14 days. Should you not repay this amount immediately after within 14 days of receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar months’ months prior notice and refund the Available Balance to you without charge, you; or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. 15.2 We can suspend suspend, block or terminate any Cards and/or, cancel your Card and/or Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2. we believe that this is necessary for security reasons15.2.2 a transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if 15.2.3 you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any additional Cardholders have used, or intend to use the Card or and/or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any your transactions due to the actions of thirdpartiesthird parties; or 15.2.4 we suspect or to prevent suspected unauthorised or fraudulent use of your Card, Account or any security credentials related to your Card or Account; or 15.2.5 you have reached your Card limit; or 15.2.6 we believe that this is necessary for security reasons; or 15.2.7 any legal obligations require us to do so. 16.3. 15.3 In the event that we do suspend suspend, block or terminate any Cards or Accounts cancel your Card and/or Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 15.4 You can terminate this Agreement at any time by contacting Customer Services. 15.5 In the event that any additional fees and/or charges are found to have been incurred on your Account Card following termination by either you or us, then then, subject to other provisions of this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will shall send a notification an invoice to you and will require you to refund us immediatelywithin 14 days. Should you not repay this amount immediately after within 14 days of receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if if: (a) you or a Cardholder have breached this Agreement, ; or (b) if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes purposes; or (c) if we can no longer process your transactions due to the actions of third parties.; or (d) if you or a Cardholder have been abusive or threatening to our staff 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. In the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 17.1 We can terminate this Agreement at any timetime provided that: 16.1.1. if we 17.1.1 We will give you two calendar months’ 2 months prior notice and refund the Personally Loaded portion of the Available Balance to you without charge, ; or 16.1.2. 17.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.217.2 If you cease to be eligible to participate in the Programme, for whatever reason, you will be unable to use your Card and you will not receive any further Savings Rebate associated with your Card. The Personally Loaded portion of the Available Balance may be redeemed by you until the Card expires, and in accordance with paragraph 9 (fees may apply see paragraph 13). 17.3 We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default or breach of this Agreement has been remedied or the this Agreement is terminated) without any prior notice to you if: 16.2.1. 17.3.1 we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2. we believe that this is necessary for security reasons17.3.2 a transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. 17.3.3 if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or if we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any your transactions due to the actions of thirdpartiesthird parties; or 17.3.4 we reasonably consider it necessary to protect the security of your Card or because we suspect the Card is being used for illegal purposes. We will tell you in advance where we are able to, otherwise we will let you know immediately afterwards, unless we are prohibited to do so by law. 16.3. 17.4 We may suspend your right to use your Card or refuse a transaction where we are required to do so by law or to comply with any regulatory requirement. 17.5 In the event that we do suspend or terminate any Cards or Accounts cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 17.6 You can terminate this Agreement at any time by contacting Customer Services. 17.7 In the event that any additional fees and/or charges are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreement, you shall refund to us the Programme Manager any sum sums which relates relate to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will The Programme Manager shall send a notification an invoice to you and will require you to refund us immediatelythem within 14 days. Should you not repay this amount immediately after within 14 days of receiving notice an invoice from us we the Programme Manager, they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if if: (a) you or a Cardholder have breached this Agreement, ; or (b) if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes purposes; or (c) if we can no longer process your transactions due to the actions of third parties.; or (d) if you or a Cardholder have been abusive or threatening to our staff 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent ortoprevent suspected unauthorised or fraudulent unauthorisedorfraudulent use of any ofany Cards, Account or any security anysecurity credentials related to any Cards or Account; orto 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent grosslynegligentmannerorforfraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. In the event that we do suspend or terminate orterminate any Cards or Accounts then if we are able to do todo so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on beenincurredon your Account following termination by either you terminationby eitheryou or us, then subject to this Agreement, you shall refund to us any sum which relates refundtous anysumwhichrelates to a withdrawal on the onthe Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. ‌ 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if if: (a) you or a Cardholder have breached this Agreement, ; or (b) if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes purposes; or (c) if we can no longer process your transactions due to the actions of third parties.; or (d) if you or a Cardholder have been abusive or threatening to our staff 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent orfraudulent use of any Cards, Account or any orany security credentials related to any Cards or Account; orto 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful negligentmannerorforfraudulentorother unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. In the event that we do suspend or terminate orterminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or usorus, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.114.1. The Card belongs to Xxxxxxxx Bank. We can terminate may at any time suspend, restrict or cancel Your Card or refuse to issue or replace a Card for reasons relating to the following: • We discover that any of the information that You provided to Us when You applied for the Card was materially incorrect; • We are required to do so to comply with any applicable regulations or legislation; • You die; • You become bankrupt; or • You break an important term or repeatedly break an important term of this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance failed to you without charge, or 16.1.2. with immediate effect if you or remedy it in a Cardholder have breached this Agreementtimely manner, or if we We have reason to believe that you or a Cardholder You have used, or intend to use a Card or use, the Account in a grossly negligent manner or for fraudulent or other unlawful purposes purposes; • You act in a manner that is threatening or abusive to Our staff, or any of Our representatives; • if we can no longer process your transactions due You fail to the actions of third partiespay fees or charges that You have incurred or fail to put right any Shortfall (see paragraph 4.8 ); otherwise, We will give You at least 2 months’ notice. 16.214.2. We can suspend or Ending this Agreement will not affect Your liability to Us, which continues. 14.3. This Agreement will come to an end when You close Your Account. You may terminate any Cards and/or, Account this Agreement at any time with immediate effect (by contacting Customer Services. You will not be charged for terminating Your Agreement but You may be charged a redemption fee. For full details on when and until your default has been remedied or the Agreement terminated) without any prior notice to you if:in what circumstances a redemption fee will be charged please see paragraph 7. 16.2.114.4. we discover If We take any of the Information that you steps referred to in paragraph 14.1, We will tell You as soon as We can or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us are permitted to do so; or 16.2.6. you or any Cardholders so after We have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. In the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)taken these steps. We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found ask You to have been incurred on your Account following termination by either you stop using Your Card and return it to Us or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after terminationdestroy it. We will send issue You with a notification to you and will require you to refund us immediately. Should you not repay this amount immediately replacement Prepaid Card if after receiving notice from us we reserve further investigations We believe that the right to take all steps necessary, including legal action, to recover any monies outstandingrelevant circumstances (as set out in paragraph 14.1) no longer apply.

TERMINATION OR SUSPENSION. 16.1. 24.1 Your Account may be terminated or suspended at any time by notice to you via email and/or SMS, if you have, in our reasonable opinion: 24.1.1 Misused or made fraudulent or illegal use of your Account and/ or violated rules, regulations and conditions. 24.1.2 Have made any use of the Account in a manner not authorized or permitted under these Terms and Conditions. 24.1.3 Breached the terms of this Agreement or other terms and conditions relating to the Services. 24.2 In case of any fraudulent or illegal use we reserve the right (acting reasonably) to refuse to open another Account on your behalf or any other services or products offered by us. 24.3 Any termination of your Account is without prejudice to any accrued rights or remedies that you or we may have. 24.4 We can may cancel or terminate this Agreement contract without the consent of any third party who might benefit from the terms or have enforceable rights under our contract. 24.5 We may at any time: 16.1.1. if we give , without notice to you, terminate its business relationship with you two calendar months’ notice and refund the Available Balance to you in particular but without charge, or 16.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due prejudice to the actions generality of third parties. 16.2the foregoing, we may cancel credits which it has granted and require the repayment of outstanding debts resulting therefrom within such time as we may determine. We can suspend may further terminate or terminate freeze any Cards and/or, Account at any time with immediate effect (and until account in your default has been remedied or the Agreement terminated) name without any prior notice to you if: 16.2.1. we discover 24.5.1 You are found to be using, holding or trading in Unregulated Currencies. 24.5.2 You are found to be trading or is part of businesses associated with using, holding or trading in Unregulated Currencies, gambling and or betting. 24.5.3 You are found to be engaging in Forex trading or operating Foreign Exchange Bureaus without the prerequisite approvals from relevant statutory bodies including the Central Bank of Kenya and the Capital Markets Authority. 24.6 We will conduct due diligence and vigilance on accounts and transactions at any given time and without notice to you, in a bid to ensure that there are no activities ongoing therein that are contrary to this clause. 24.7 We retain the right to refuse to open an account or to process a transaction where it is suspected that you are or the transaction is criminal, fraudulent, or in contravention of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that provisions of this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesclause. 16.324.8 You undertake to indemnify us and hold us harmless against any loss, charge, damage, expense, fee or claim, which we suffer or incur or sustain as a result of your involvement in the activities prohibited under this clause. 24.9 You may cancel registration and close your account at any time through your Equipment or at your nearest Service Centre. In the event that However, you may not cancel registration through your Equipment if your account is funded. 24.10 Termination shall however not affect any accrued rights and liabilities of either party. 24.11 If we do suspend or terminate any Cards or Accounts then if we are able to do soreceive notice of your demise, we will tell you in advance otherwise we will let you know immediately afterwards (not be obliged to allow any operation or withdrawal from your Account by any person except upon production of Grants of Letters of Administration or Probate by your legal representatives duly appointed by the Court. 24.12 This Agreement terminates automatically upon the death of the Customer who has signed up for the Account Services. 24.13 Without prejudice to the extent provisions of clause 24.11, where we receive notification of the death or mental incapacity of an Account holder, we are permitted shall suspend all Account activity until satisfied that the relevant provisions of the Succession Act or the Mental Health Act (as the case may be) have been followed. 24.14 A person claiming access to funds by law). We may advise anyone involved virtue of being a Successor (in the transaction if event of death) or Manager (in the event of permanent incapacity) shall, upon request by us, produce letters of administration/grant of probate (in the event of death) or a suspension has taken placecourt order authorizing the person to manage the estate (in the event of permanent incapacity) or such other document as may be prescribed. 16.4. In 24.15 If the Courts appoint a Successor or Manager, as the case may be, we shall rely on such appointment of Successor or Manager in its decision to transmit funds held to the credit of your account to the Successor or Manager upon the event that any additional fees are found to have been incurred on of your Account following termination by either you death or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on permanent incapacity (as the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingcase may be).

TERMINATION OR SUSPENSION. 16.1. 24.1 Your Account may be terminated or suspended at any time by notice to you via email and/or SMS, if you have, in our reasonable opinion: 24.1.1 Misused or made fraudulent or illegal use of your Account and/ or violated rules, regulations and conditions. 24.1.2 Have made any use of the Account in a manner not authorized or permitted under these Terms and Conditions. 24.1.3 Breached the terms of this Agreement or other terms and conditions relating to the Services. 24.2 In case of any fraudulent or illegal use we reserve the right (acting reasonably) to refuse to open another Account on your behalf or any other services or Products offered by us. 24.3 Any termination of your Account is without prejudice to any accrued rights or remedies that you or we may have. 24.4 We can may cancel or terminate this Agreement contract without the consent of any third party who might benefit from the terms or have enforceable rights under our contract. 24.5 We may at any time: 16.1.1. if we give , without notice to you, terminate its business relationship with you two calendar months’ notice and refund the Available Balance to you in particular but without charge, or 16.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due prejudice to the actions generality of third parties. 16.2the foregoing, we may cancel credits which it has granted and require the repayment of outstanding debts resulting therefrom within such time as we may determine. We can suspend may further terminate or terminate freeze any Cards and/or, Account at any time with immediate effect (and until account in your default has been remedied or the Agreement terminated) name without any prior notice to you if: 16.2.1. we discover 24.5.1 You are found to be using, holding or trading in Unregulated Currencies. 24.5.2 You are found to be trading or is part of businesses associated with using, holding or trading in Unregulated Currencies, gambling and or betting. 24.5.3 You are found to be engaging in Forex trading or operating Foreign Exchange Bureaus without the prerequisite approvals from relevant statutory bodies including the Central Bank of Kenya and the Capital Markets Authority. 24.6 We will conduct due diligence and vigilance on accounts and transactions at any given time and without notice to you, in a bid to ensure that there are no activities ongoing therein that are contrary to this clause. 24.7 We retain the right to refuse to open an account or to process a transaction where it is suspected that you are or the transaction is criminal, fraudulent, or in contravention of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that provisions of this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesclause. 16.324.8 You undertake to indemnify us and hold us harmless against any loss, charge, damage, expense, fee or claim, which we suffer or incur or sustain as a result of your involvement in the activities prohibited under this clause. 24.9 You may cancel registration and close your account at any time through your Equipment or at your nearest Service Centre. In the event that However, you may not cancel registration through your Equipment if your account is funded. 24.10 Termination shall however not affect any accrued rights and liabilities of either party. 24.11 If we do suspend or terminate any Cards or Accounts then if we are able to do soreceive notice of your demise, we will tell you in advance otherwise we will let you know immediately afterwards (not be obliged to allow any operation or withdrawal from your Account by any person except upon Production of Grants of Letters of Administration or Probate by your legal representatives duly appointed by the Court. 24.12 This Agreement terminates automatically upon the death of the Customer who has signed up for the Account Services. 24.13 Without prejudice to the extent provisions of clause 24.11, where we receive notification of the death or mental incapacity of an Account holder, we are permitted shall suspend all Account activity until satisfied that the relevant provisions of the Succession Act or the Mental Health Act (as the case may be) have been followed. 24.14 A person claiming access to funds by law). We may advise anyone involved virtue of being a Successor (in the transaction if event of death) or Manager (in the event of permanent incapacity) shall, upon request by us, produce letters of administration/grant of probate (in the event of death) or a suspension has taken placecourt order authorizing the person to manage the estate (in the event of permanent incapacity) or such other document as may be prescribed. 16.4. In 24.15 If the Courts appoint a Successor or Manager, as the case may be, we shall rely on such appointment of Successor or Manager in its decision to transmit funds held to the credit of your account to the Successor or Manager upon the event that any additional fees are found to have been incurred on of your Account following termination by either you death or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on permanent incapacity (as the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingcase may be).

TERMINATION OR SUSPENSION. ‌ 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if you you, a Tide Platform User or a the Tide Cardholder have breached this Agreement, or if we have reason to believe that you you, a Tide Platform User or a the Tide Cardholder have used, or intend to use a the Tide Card or Tide GBP E-Money Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties.parties.‌ 16.2. We can suspend or terminate any Tide Cards and/or, Tide GBP E-Money Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has the Applicant provided to us in relation to when applied for your Tide GBP E-Money Account and/or Card(s) is was incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Tide Cards, Tide GBP E-Money Account or any security credentials related to any Tide Cards or Tide GBP E-Money Account; or 16.2.4. if you have reached your Account Limits or if the Tide Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you you, a Tide Platform User or any Tide Cardholders have breached this Agreement or we have reason to believe that you you, a Tide Platform User or any Tide Cardholders have used, or intend to use the Tide Card or Tide GBP E-Money Account or the App Tide Platform or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions due to the actions of thirdparties.third parties.‌ 16.3. In the event that we do suspend or terminate any Tide Cards or Tide GBP E-Money Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Tide GBP E-Money Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Tide GBP E-Money Account or fees and/or charges validly applied whether before or after termination. We will send a notification an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. ‌ 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent orfraudulent use of any Cards, Account or any orany security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful negligentmannerorforfraudulentorotherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. In the event that we do suspend or terminate orterminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or usorus, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.then

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar 2 months’ prior notice by email (provided that you have supplied us with an up-to-date emails address) and refund the Available Balance to you without chargeyou, or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third parties. 16.2. 15.2 We can suspend , block or terminate any Cards and/or, cancel your Card and/or your Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover that any of the Information that information you or any additional Cardholder has provided to us when you applied for your Card was incorrect; 15.2.2 you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in relation a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties. 15.2.3 we suspect or to prevent suspected unauthorised or fraudulent use of your Card, Account or any security credentials related to your Account and/or Card(s) is incorrect; orCard or Account; 16.2.2. 15.2.4 we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. 15.2.5 any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. 15.3 In the event that we do suspend suspend, block or terminate any Cards or Accounts cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction Transaction if a suspension has taken place. 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. 15.1.2 with immediate effect if you you, the Account Manager or a the Cardholder have breached this Agreement, or if we have reason to believe that you you, the Account Manager or a the Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. 15.2 We can suspend or terminate any Cards and/or, and Account Details at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover any of the Information that you or any additional Cardholder has the Applicant provided to us in relation to when applied for your Account and/or Card(s) is was incorrect; or 16.2.2. we believe that this is necessary for security reasons15.2.2 a transaction has been declined because of a lack of Available Balance; or 16.2.3. 15.2.3 if we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards the Card or Account; or 16.2.4. 15.2.4 if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permittedLimit; or 16.2.5. any legal obligations require us to do so; or 16.2.6. 15.2.5 you or any Cardholders have breached this Agreement or we have reason to believe that you you, the Account Manager or any Cardholders Cardholder have used, or intend to use the Card or Account or the App Self Service Account Management Portal Password or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. 15.3 In the event that we do suspend or terminate any Cards or Accounts your Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if if: (a) you or a Cardholder have breached this Agreement, ; or (b) if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties.unlawful 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful negligentmannerorforfraudulentorother unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. In the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any time: 16.1.1. 15.1.1 if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. 15.2 We can suspend or terminate any Cards and/or, and Account Details at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover any of the Information that you or any additional Cardholder has have provided to us in relation to when applied for your Account and/or Card(s) is was incorrect; or 16.2.2. we believe that this is necessary for security reasons15.2.2 a transaction has been declined because of a lack of Available Balance; or 16.2.3. 15.2.3 if we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards a Card or Account; or 16.2.4. 15.2.4 if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permittedLimit; or 16.2.5. any legal obligations require us to do so; or 16.2.6. 15.2.5 you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders a Cardholder have used, or intend to use the Card or Account or the App Self Service Account Management Portal Password or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. 15.3 In the event that we do suspend or terminate any Cards or Accounts your Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this Agreement at any timetime during the Contract Term: 16.1.1. 15.1.1 if we give you two calendar months’ reasonable notice and refund the Available Balance to you without charge, or 16.1.2. 15.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. 15.2 We can suspend or terminate any Cards and/oryour Card, Account and Account Details at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 we discover any of the Information information that you or any additional Cardholder has have provided to us in relation to when applied for your Account and/or Card(s) is was incorrect; or 16.2.2. 15.2.2 we believe that this is necessary for security reasons; or 16.2.3. 15.2.3 we suspect or to prevent suspected unauthorised or fraudulent use of any Cardsyour Card, Account or any security credentials related to any Cards or Account; or 16.2.4. 15.2.4 if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permittedLimit; or 16.2.5. 15.2.5 any legal obligations require us to do so; or 16.2.6. 15.2.6 you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode Mobile Application credentials in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. 15.3 In the event that we do suspend or terminate any Cards or Accounts your Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 15.4 In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1a. If you cancel your Card: i. you will not receive any further Cashback associated with your use of the cancelled Card; and ii. you will no longer be able to use any of the top up mechanisms provided by Utility Warehouse Customer Services or the online top up functionality; and iii. future responsibility for managing your Card will immediately pass to the Programme Manager who will charge you a monthly fee as set out in Clause 12 (a) which will be deducted each month from the Available Balance until the Card is cancelled. b. We can terminate this Agreement Agreement i. at any time: 16.1.1. time if we give you two calendar months’ months prior notice by email (provided we hold an email address for you) and refund the Available Balance to you without charge, you; or 16.1.2ii. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third parties. 16.2. c. We can suspend suspend, block or terminate any Cards and/or, cancel your Card and/or your Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. i. we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2ii. you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card or your Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties; or iii. we suspect or to prevent suspected unauthorised or fraudulent use of your Card, Account or any security credentials related to your Card or Account; or iv. you have reached your Card limit; or v. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5vi. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. d. In the event that we do suspend suspend, block or terminate any Cards or Accounts cancel your Card and/or Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction Transaction if a suspension has taken place. 16.4e. You can terminate this Agreement at any time by contacting Customer Services. In If you are redeeming any Available Balance you will be liable for the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingset out in clause 12.

TERMINATION OR SUSPENSION. 16.1a. If you cancel your Card: i. you will not receive any further Cashback associated with your use of the cancelled Card; and ii. you will no longer be able to use any of the top up mechanisms provided by Utility Warehouse Customer Services or the online top up functionality; and iii. future responsibility for managing your Card will immediately pass to the Programme Manager who will charge you a monthly fee as set out in Clause 12 (a) which will be deducted each month from the Available Balance until the Card is cancelled. b. We can terminate this Agreement Agreement i. at any time: 16.1.1. time if we give you two calendar months’ months prior notice by email (provided we hold an email address for you) and refund the Available Balance to you without charge, you; or 16.1.2ii. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third parties. 16.2. c. We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. i. we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2ii. we believe that this is necessary for security reasonsa Transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6iii. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions your Transactions due to the actions of thirdpartiesthird parties; or iv. we reasonably believe that you have used or are intending to use the Card in breach of clause 4(m). 16.3. d. In the event that we do suspend or terminate any Cards or Accounts cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction Transaction if a suspension has taken place. 16.4e. You can terminate this Agreement at any time by contacting Customer Services. In If you are redeeming any Available Balance you will be liable for the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingset out in clause 12.

TERMINATION OR SUSPENSION. 16.1. 15.1 We can terminate this the Agreement at any time: 16.1.1. : (a) if we give you two calendar months’ 30 days' notice and refund the Available Balance to you without charge, or 16.1.2. you; (b) with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third partiesparties or following any suspension of the Card under paragraph 15.2.6; or (c) with immediate effect if we have other serious grounds for doing so. 16.2. 15.2 We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. 15.2.1 in the event of any fault or failure in our Transaction processing system; or 15.2.2 if we believe your Card details have been compromised; or 15.2.3 we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2. we believe that this is necessary for security reasons15.2.4 a Transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if 15.2.5 you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use or have permitted the Card or Account or the App or the Passcode to be used in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any transactions your Transactions due to the actions of thirdpartiesthird parties; or 15.2.6 due to fraudulent or other suspicious activity on your Account; or 15.2.7 if we have other serious grounds for doing so; or 15.2.8 if we reasonably believe to be required to do so by law or in order to comply with recommendations issued by a relevant government authority or recognized body for the prevention of financial crime or other illegal activity. 16.3. In 15.3 You can terminate this Agreement at any time following the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to Cancellation Period by contacting the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken placeCard Support team. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. 16.1. 17.1 We can terminate this Agreement at any timetime provided that: 16.1.1. if we 17.1.1 We will give you two calendar months’ 2 months prior notice and refund the Personally Loaded portion of the Available Balance to you without charge, ; or 16.1.2. 17.1.2 with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.217.2 If you cease to be eligible to participate in the Programme, for whatever reason, you will be unable to use your Card and you will not receive any further Savings Rebate associated with your Card. The Personally Loaded portion of the Available Balance may be redeemed by you until the Card expires, and in accordance with paragraph 9 (fees may apply see paragraph 13). 17.3 We can suspend or terminate any Cards and/or, Account your Card at any time with immediate effect (and until your default or breach of this Agreement has been remedied or the this Agreement is terminated) without any prior notice to you if: 16.2.1. 17.3.1 we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2. we believe that this is necessary for security reasons17.3.2 a transaction has been declined because of a lack of Available Balance; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. 17.3.3 if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or if we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful other unlawful purposes or if we cannot process any your transactions due to the actions of thirdpartiesthird parties; or 17.3.4 we reasonably consider it necessary to protect the security of your Card or because we suspect the Card is being used for illegal purposes. We will tell you in advance where we are able to, otherwise we will let you know immediately afterwards, unless we are prohibited to do so by law. 16.3. 17.4 We may suspend your right to use your Card or refuse a transaction where we are required to do so by law or to comply with any regulatory requirement. 17.5 In the event that we do suspend or terminate any Cards or Accounts cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction if a suspension has taken place. 16.4. 17.6 You can terminate this Agreement at any time by contacting Customer Services. 17.7 In the event that any additional fees and/or charges are found to have been incurred on your Account Card following termination by either you or us, then subject to this Agreement, you shall refund to us the Programme Manager any sum sums which relates relate to a withdrawal on the Account Card or fees and/or charges validly applied whether before or after termination. We will The Programme Manager shall send a notification an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.them within

TERMINATION OR SUSPENSION. 16.1a. If you cancel your Card: i. you will not receive any further Cashback associated with your use of the cancelled Card; and ii. you will no longer be able to use any of the top up mechanisms provided byUtility Warehouse Customer Services or the online top up functionality; and iii. future responsibility for managing your Card will immediately pass to the Programme Manager who will charge you a monthly fee as set out in Clause 12 (a) which will be deducted each month from the Available Balance until the Card is cancelled. b. We can terminate this Agreement Agreement i. at any time: 16.1.1. time if we give you two calendar months’ months prior notice by email (provided we hold an email address for you) and refund the Available Balance to you without charge, you; or 16.1.2ii. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a the Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions Transactions due to the actions of third parties. 16.2. c. We can suspend suspend, block or terminate any Cards and/or, cancel your Card and/or your Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. i. we discover that any of the Information information that you or any additional Cardholder has provided to us in relation to when you applied for your Account and/or Card(s) is Card was incorrect; or 16.2.2ii. you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card or your Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties; or iii. we suspect or to prevent suspected unauthorised or fraudulent use of your Card, Account or any security credentials related to your Card or Account; or iv. you have reached your Card limit; or v. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5vi. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. d. In the event that we do suspend suspend, block or terminate any Cards or Accounts cancel your Card and/or Account then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law)afterwards. We may advise anyone involved in the transaction Transaction if a suspension has taken place. 16.4e. You can terminate this Agreement at any time by contacting Customer Services. In If you are redeeming any Available Balance you will be liable for the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingset out in clause 12.

TERMINATION OR SUSPENSION. 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if if: (a) you or a Cardholder have breached this Agreement, ; or (b) if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes purposes; or (c) if we can no longer process your transactions due to the actions of third parties.; or (d) if you or a Cardholder have been abusive or threatening to our staff 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful negligentmannerorforfraudulentorother unlawful purposes or if we cannot process any transactions due to the actions of thirdpartiesthird parties. 16.3. In the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken placetakenplace. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

TERMINATION OR SUSPENSION. ‌ 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful negligentmannerorforfraudulentorotherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. In the event that we do suspend or terminate orterminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or usorus, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.then

TERMINATION OR SUSPENSION. 16.1. We can terminate this Agreement at any time: 16.1.1. if we give you two calendar months’ notice and refund the Available Balance to you without charge, or 16.1.2. with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 16.2. We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if: 16.2.1. we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or 16.2.2. we believe that this is necessary for security reasons; or 16.2.3. we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or 16.2.4. if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or 16.2.5. any legal obligations require us to do so; or 16.2.6. you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or otherunlawful negligentmannerorforfraudulentorotherunlawful purposes or if we cannot process any transactions due to the actions of thirdparties. 16.3. In the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken placetakenplace. 16.4. In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.then