Common use of The Credit Card Clause in Contracts

The Credit Card. (a) This document is important. It governs your use of the Credit Card. You must not use the Credit Card in a way that breaks this Agreement. We must observe Consumer Credit Law in our dealings with you. (b) The Rates, Fees and Charges Table and the Card Carrier form part of this Agreement. (c) Third Party Providers (TPPs) (i) To use the services of a TPP for your Account, you must be able to access your Account through Digital Banking. (ii) Where we provide your TPP access to your Account, you can choose to allow your TPP to access relevant information from your Account. For more information on the types of information a TPP can access please see xxx.xxx.xxx/XXX0 (iii) You are not obliged to use the services of a TPP for the Account but, if you do, it is your responsibility to read the terms and conditions of the TPP. It is also your responsibility to understand exactly what information the TPP will be able to access and how it will be used by them. This should all be covered in your agreement with the TPP. A TPP should be registered with any relevant financial services regulator in order to provide payment services to you. (iv) A TPP may look for access to your Account, for example, to provide account information services to you. However, we will only allow such access where you have permitted us to allow that. (v) It is the responsibility of the TPP to ensure any information it holds about you or your Account is secure.

The Credit Card. (a) This document is important. It governs your use of the Credit Card. You must not use the Credit Card in a way that breaks this Agreement. We must observe Consumer Credit Law in our dealings with you. (b) The Schedule of Interest Rates, Fees and Charges Table and the Card Carrier form part of this Agreement. Where you use a Digital Credit Card, our terms and conditions for Digital Wallets will apply. (c) Third Party Providers (TPPs) (i) To use the services of a TPP for your Account, you must be able to access your Account through Digital Banking. (ii) Where we provide your TPP access to your Account, you can choose to allow your TPP to access relevant information from your Account. For more information on the types of information a TPP can access please see xxx.xxx.xxx/XXX0xxx.xxx/XXX0. (iii) You are not obliged to use the services of a TPP for the Account but, if you do, it is your responsibility to read the terms and conditions of the TPP. It is also your responsibility to understand exactly what information the TPP will be able to access and how it will be used by them. This should all be covered in your agreement with the TPP. A TPP should be registered with any relevant financial services regulator in order to provide payment services to you. (iv) A TPP may look for access to your Account, for example, to provide account information services to you. However, we will only allow such access where you have permitted us to allow that. (v) It is the responsibility of the TPP to ensure any information it holds about you or your Account is secure. (vi) About Account Information Service Providers (“AISP”). If we receive an instruction from an AISP to access information about your Account, we will treat this as an instruction from you. (vii) You can instruct an AISP to access and hold details of your Account by following their procedures (make sure they give them to you). If you do this, you must authorise us to share the information with the AISP by using our online verification processes and your Security Credentials. Once you have done this, the AISP can make any number of requests for access to your Account for up to 90 days and we will obey those requests. Once each 90 day period passes, you need to authorise us again (in the way set out in this clause) if you wish us to continue to share information on your Account with your AISP. (viii) About Card Based Payment Instrument Issuer (“CBPII”). If we receive an instruction from a CBPII to find out whether money is available in your Account to meet a card payment, we will treat this as an instruction from you. (ix) Where we provide a CBPII access to an Account, you can instruct a CBPII to access your account by following their procedures (make sure they give them to you). If you do this, you must authorise us to share the information with the CBPII by using our online verification processes and your Security Credentials. Once you have done this, you authorise us to answer a CBPII request to find out whether money is available in your Account to meet a card payment. Once you have authorised us to share such information with the CBPII, the CBPII can make any number of requests for that information (and we will answer them) until you contact the CBPII to cancel your permission to allow them make such requests (you may need to follow their procedures to cancel your permission). (x) At any time you wish you can (a) cancel any service that a TPP provides you that concerns your Account; or (b) any consent or permission you give a TPP that concerns your Account. You may have to follow the TPP’s procedure to make sure they cancel their service or stop acting on your consent or permission. If you send your TPP a cancellation when we are processing an instruction from them to get access to information about your Account, it may be too late for us to cancel the instruction; and, if so, you permit us to obey it. (xi) If you permit a TPP to access your Account we are not responsible for anything the TPP does. (xii) We may refuse to process a request from a TPP to provide information where we know, or have reasonable grounds to suspect (a) that you have not authorised a TPP to give the instruction; or (b) that the instruction from the TPP may be fraudulent or given by mistake. If we can identify the TPP, we will contact you as soon as we reasonably can in a way we choose, unless the law prevents us from doing so or we reasonably believe it would compromise our security measures. (xiii) We record the instruction you and any TPP give us. If there is a dispute between you and us or you and a TPP concerning the Account, you agree to accept our records as accurate (unless it is clear we made a mistake). (xiv) You should contact a TPP directly, if you have any queries or complaints regarding the services they provide you. (xv) You agree to cooperate with us and give us information we ask for if you have a complaint about your Account and we suspect that a TPP may be responsible for it, for example, because we suspect it is the TPP’s fault that an instruction was not carried out or was carried out wrongly or too late. (xvi) If you use a TPP for services that concern your Account, the TPP will charge their own fees and charges for them. Anything you owe a TPP is in addition to any fees or charges you owe us on your Account. 2. The Credit Card, card details and associated Security Credentials (including the PIN) are only to be used by you or an Additional Cardholder if relevant. We see use of the correct Security Credentials with the Credit Card or card details as proof that you or an Additional Cardholder personally carried out the transaction(s) or, if you did not, you or an Additional Cardholder are in breach of a rule in this document concerning the correct use of the Security Credentials or the Credit Card. 3. If you are a Principal Cardholder you must be at least 18 years of age and accept that you will be fully liable for all transactions and Instalment Plans on the Account, including those made by a secondary/Additional Cardholder on the Account. 4. The Credit Card belongs to us. The Bank may at any time cancel or refuse to renew the Credit Card. 5. You and any Additional Cardholder where relevant must; (i) sign the Credit Card as soon as you receive it from us