Common use of The Credit Card Clause in Contracts

The Credit Card. 2.1 This document is important and you (or the person responsible for financial management in the Company) should read it carefully. It governs the use of the Card by you and the Cardholder. You must comply with these Terms and Conditions and must ensure that each Cardholder also complies with them. 2.2 The following also apply to the use of the Card: 2.2.1 Banking law and practice; 2.2.2 The Rates, Fees and Charges Table and the Card Carrier; 2.2.3 The agreements and forms we require the Cardholder to sign. 2.3 We agree to provide the Card for your business purposes. We allow each Cardholder use the Card on your behalf and for your business purposes. We do not, by these Terms and Conditions, agree to provide any credit to a Cardholder. This Clause 2.3 is subject to the following Clause 2.4. 2.4 If a Cardholder is also the Customer or one of the Customers, we do not agree, by these Terms and Conditions, to provide any credit to the Cardholder other than in his or her capacity as a Customer and for the business purposes of the Customer. In particular, we do not, by these Terms and Conditions, agree to provide a Cardholder with any credit for a purpose outside of his or her trade, business or profession. Use of the Card for personal consumer purposes is a breach of these Terms and Conditions. 2.5 The Credit Card, Card details and associated Security Credentials (including the PIN) are only to be used by the Cardholder. We see use of the correct Security Credentials with the Card or Card details as proof that the Cardholder carried out the transaction(s) or were in breach of Clause 2.7(ii). 2.6 The Bank may at any time cancel or refuse to renew the Credit Card(s). 2.7 Cardholders must: (i) sign the Credit Card as soon as it is received from us (ii) keep their PIN a secret, memorise it, and take all reasonable precautions to prevent anyone else knowing it or using it. A Cardholder should never write down the PIN or the 3D SecurePasscode or any other Security Credential (iii) always protect the Credit Card. Take all reasonable precaution to ensure the Credit Card and any Security Credential is not lost, mislaid or stolen (iv) not go over the Individual Credit Card Limit (v) not assume that they can continue to use the Credit Card if they have broken any of the terms and conditions of this Agreement (they should return the Credit Card to us if they have) (vi) not use the Credit Card before the “valid from” date or after the “until end” date shown on it (vii) not use the Credit Card if we cancel or withdraw it (viii) never use your Credit Card as payment for anything illegal. 2.8 To keep a Card secure we may block it if we write to the Cardholder but our correspondence is returned. (We may contact you to check the address but we are not obliged to). 2.9 A Card cannot be used: 2.9.1 Before the date the Card says it is valid from; 2.9.2 After the date the Card says it is valid to (for example, through the use of the words “until end” or any words having a similar meaning); 2.9.3 After we send you or a Cardholder a notice cancelling the Card. 2.10 We will send each Cardholder a new Card before the last date of validity of the Cardholder’s Card. This Clause will not apply where we or you have terminated these Terms and Conditions under Clause 12 or where we have demanded a return of the Card or blocked its use. 2.11 We regard the following as conclusive evidence that the Cardholder carried out a transaction using a Card: 2.11.1 Use of the PIN with the Card; or 2.11.2 Use of the correct Security Credentials (such as a 3D Secure Passcode) with the Card or Card details. 2.12 You are liable for every use by a Cardholder of a Card even where the Cardholder uses the Card:- 2.12.1 Without your authority; or 2.12.2 In breach of these Terms and Conditions. 2.12.3 Outside the controls and settings you have selected if the Card is registered by you or on your behalf with CardController. For the avoidance of any doubt, we will have no liability to you for any Card transactions on the Account which contravene CardController settings you or anyone on your behalf have made or selected for any Cards registered for CardController. 2.13 Third Party Providers (TPPs) - in this clause “you” includes the Cardholder where applicable. 2.13.1 To use the services of a TPP for your Account, you must be able to access your Account through Digital Banking. 2.13.2 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 2.13.3 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. 2.13.4 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. 2.13.5 It is the responsibility of the TPP to ensure any information it holds about you or your Account is secure. 2.13.6 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. 2.13.7 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. 2.13.8 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. 2.13.9 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). 2.13.10 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. 2.13.11 If you permit a TPP to access your Account we are not responsible for anything the TPP does. 2.13.12 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. 2.13.13 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). 2.13.14 You should contact a TPP directly, if you have any queries or complaints regarding the services they provide you. 2.13.15 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. 2.13.16 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.

The Credit Card. 2.1 This document is important and you (or the person responsible for financial management in the Company) should read it carefully. It governs the use of the Card by you and the Cardholder. You must comply with these Terms and Conditions and must ensure that each Cardholder also complies with them. 2.2 The following also apply to the use of the Card: 2.2.1 Banking law and practice; 2.2.2 The Rates, Fees and Charges Table and the Card Carrier; 2.2.3 The agreements and forms we require the Cardholder to sign. 2.3 We agree to provide the Card for your business purposes. We allow each Cardholder use the Card on your behalf and for your business purposes. We do not, by these Terms and Conditions, agree to provide any credit to a Cardholder. This Clause 2.3 is subject to the following Clause 2.4. 2.4 If a Cardholder is also the Customer or one of the Customers, we do not agree, by these Terms and Conditions, to provide any credit to the Cardholder other than in his or her capacity as a Customer and for the business purposes of the Customer. In particular, we do not, by these Terms and Conditions, agree to provide a Cardholder with any credit for a purpose outside of his or her trade, business or profession. Use of the Card for personal consumer purposes is a breach of these Terms and Conditions. 2.5 The Credit Card, Card details and associated Security Credentials (including the PIN) its PIN are only to be used by the Cardholder. We see use of the correct Security Credentials PIN with the Credit Card or Card details as proof that the Cardholder carried out the transaction(s) or were in breach of Clause 2.7(ii). 2.6 The Bank may at any time cancel or refuse to renew the Credit Card(s). 2.7 Cardholders must: (i) sign the Credit Card as soon as it is received from us (ii) keep their PIN and 3D Secure Password a secret, memorise it, and take all reasonable precautions to prevent anyone else knowing it or using it. A Cardholder should never write down the PIN or the 3D SecurePasscode or any other Security Credential Secure Password (iii) always protect the Credit Card. Take all reasonable precaution to ensure the Credit Card and any Security Credential is not lost, mislaid or stolen (iv) not go over the Individual Credit Card Limit (v) not assume that they can continue to use the Credit Card if they have broken any of the terms and conditions of this Agreement (they should return the Credit Card to us if they have) (vi) not use the Credit Card before the “valid from” date or after the “until end” date shown on it (vii) not use the Credit Card if we cancel or withdraw it (viii) never use your Credit Card as payment for anything illegal. 2.8 To keep a Card card secure we may block it if we write to the Cardholder but our correspondence is returned. (We may contact you to check the address but we are not obliged to). 2.9 A Card cannot be used: 2.9.1 Before the date the Card says it is valid from; 2.9.2 After the date the Card says it is valid to (for example, through the use of the words “until end” or any words having a similar meaning); 2.9.3 After we send you or a Cardholder a notice cancelling the Card. 2.10 We will send each Cardholder a new Card before the last date of validity of the Cardholder’s Card. This Clause will not apply where we or you have terminated these Terms and Conditions under Clause 12 or where we have demanded a return of the Card or blocked its use. 2.11 We regard the following as conclusive evidence that the Cardholder carried out a transaction using a Card: 2.11.1 Use of the PIN with the Card; or 2.11.2 Use of the correct Security Credentials (such as a 3D Secure Passcode) Password with the Card or Card detailsin an online transaction. 2.12 You are liable for every use by a Cardholder of a Card even where the Cardholder uses the Card:- 2.12.1 Without your authority; or 2.12.2 In breach of these Terms and Conditions. 2.12.3 Outside the controls and settings you have selected if the Card is registered by you or on your behalf with CardController. For the avoidance of any doubt, we will have no liability to you for any Card transactions on the Account which contravene CardController settings you or anyone on your behalf have made or selected for any Cards registered for CardController. 2.13 Third Party Providers (TPPs) - in this clause “you” includes the Cardholder where applicable. 2.13.1 To use the services of a TPP for your Account, you must be able to access your Account through Digital Banking. 2.13.2 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 2.13.3 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. 2.13.4 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. 2.13.5 It is the responsibility of the TPP to ensure any information it holds about you or your Account is secure. 2.13.6 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. 2.13.7 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. 2.13.8 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. 2.13.9 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). 2.13.10 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. 2.13.11 If you permit a TPP to access your Account we are not responsible for anything the TPP does. 2.13.12 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. 2.13.13 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). 2.13.14 You should contact a TPP directly, if you have any queries or complaints regarding the services they provide you. 2.13.15 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. 2.13.16 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.

The Credit Card. 2.1 This document is important and you (or the person responsible for financial management in the Company) should read it carefully. It governs the use of the Card by you and the Cardholder. You must comply with these Terms and Conditions and must ensure that each Cardholder also complies with them. 2.2 The following also apply to the use of the Card: 2.2.1 Banking law and practice; 2.2.2 The Rates, Fees and Charges Table and the Card Carrier; 2.2.3 The agreements and forms we require the Cardholder to sign. 2.3 We agree to provide the Card for your business purposes. We allow each Cardholder use the Card on your behalf and for your business purposes. We do not, by these Terms and Conditions, agree to provide any credit to a Cardholder. This Clause 2.3 is subject to the following Clause 2.4. 2.4 If a Cardholder is also the Customer or one of the Customers, we do not agree, by these Terms and Conditions, to provide any credit to the Cardholder other than in his or her capacity as a Customer and for the business purposes of the Customer. In particular, we do not, by these Terms and Conditions, agree to provide a Cardholder with any credit for a purpose outside of his or her trade, business or profession. Use of the Card for personal consumer purposes is a breach of these Terms and Conditions. 2.5 The Credit Card, Card details and associated Security Credentials (including the PIN) are only to be used by the Cardholder. We see use of the correct Security Credentials with the Card or Card details as proof that the Cardholder carried out the transaction(s) or were in breach of Clause 2.7(ii). 2.6 The Bank may at any time cancel or refuse to renew the Credit Card(s). 2.7 Cardholders must: (i) sign the Credit Card as soon as it is received from us (ii) keep their PIN a secret, memorise it, and take all reasonable precautions to prevent anyone else knowing it or using it. A Cardholder should never write down the PIN or the 3D SecurePasscode Secure Passcode or any other Security Credential (iii) always protect the Credit Card. Take all reasonable precaution to ensure the Credit Card and any Security Credential is not lost, mislaid or stolen (iv) not go over the Individual Credit Card Limit (v) not assume that they can continue to use the Credit Card if they have broken any of the terms and conditions of this Agreement (they should return the Credit Card to us if they have) (vi) not use the Credit Card before the “valid from” date or after the “until end” date shown on it (vii) not use the Credit Card if we cancel or withdraw it (viii) never use your Credit Card as payment for anything illegal. 2.8 To keep a Card secure we may block it if we write to the Cardholder but our correspondence is returned. (We may contact you to check the address but we are not obliged to). 2.9 A Card cannot be used: 2.9.1 Before the date the Card says it is valid from; 2.9.2 After the date the Card says it is valid to (for example, through the use of the words “until end” or any words having a similar meaning); 2.9.3 After we send you or a Cardholder a notice cancelling the Card. 2.10 We will send each Cardholder a new Card before the last date of validity of the Cardholder’s Card. This Clause will not apply where we or you have terminated these Terms and Conditions under Clause 12 or where we have demanded a return of the Card or blocked its use. 2.11 We regard the following as conclusive evidence that the Cardholder carried out a transaction using a Card: 2.11.1 Use of the PIN with the Card; or 2.11.2 Use of the correct Security Credentials (such as a 3D Secure Passcode) with the Card or Card details. 2.12 You are liable for every use by a Cardholder of a Card even where the Cardholder uses the Card:- 2.12.1 Without your authority; or 2.12.2 In breach of these Terms and Conditions. 2.12.3 Outside the controls and settings you have selected if the Card is registered by you or on your behalf with CardController. For the avoidance of any doubt, we will have no liability to you for any Card transactions on the Account which contravene CardController settings you or anyone on your behalf have made or selected for any Cards registered for CardController. 2.13 Third Party Providers (TPPs) - in this clause “you” includes the Cardholder where applicable. 2.13.1 To use the services of a TPP for your Account, you must be able to access your Account through Digital Banking. 2.13.2 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 2.13.3 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. 2.13.4 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. 2.13.5 It is the responsibility of the TPP to ensure any information it holds about you or your Account is secure. 2.13.6 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. 2.13.7 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. 2.13.8 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. 2.13.9 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). 2.13.10 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. 2.13.11 If you permit a TPP to access your Account we are not responsible for anything the TPP does. 2.13.12 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. 2.13.13 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). 2.13.14 You should contact a TPP directly, if you have any queries or complaints regarding the services they provide you. 2.13.15 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. 2.13.16 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.Credential

The Credit Card. 2.1 This document is important and you (or the person responsible for financial management in the Company) should read it carefully. It governs the use of the Card by you and the Cardholder. You must comply with these Terms and Conditions and must ensure that each Cardholder also complies with them. 2.2 The following also apply to the use of the Card: 2.2.1 Banking law and practice; 2.2.2 The Rates, Fees and Charges Table and the Card Carrier; 2.2.3 The agreements and forms we require the Cardholder to sign. 2.3 We agree to provide the Card for your business purposes. We allow each Cardholder use the Card on your behalf and for your business purposes. We do not, by these Terms and Conditions, agree to provide any credit to a Cardholder. This Clause 2.3 is subject to the following Clause 2.4. 2.4 If a Cardholder is also the Customer or one of the Customers, we do not agree, by these Terms and Conditions, to provide any credit to the Cardholder other than in his or her capacity as a Customer and for the business purposes of the Customer. In particular, we do not, by these Terms and Conditions, agree to provide a Cardholder with any credit for a purpose outside of his or her trade, business or profession. Use of the Card for personal consumer purposes is a breach of these Terms and Conditions. 2.5 The Credit Card, Card details and associated Security Credentials (including the PIN) its PIN are only to be used by the Cardholder. We see use of the correct Security Credentials PIN with the Credit Card or Card details as proof that the Cardholder carried out the transaction(s) or were in breach of Clause 2.7(ii). 2.6 The Bank may at any time cancel or refuse to renew the Credit Card(s). 2.7 Cardholders must: (i) sign the Credit Card as soon as it is received from us (ii) keep their PIN and 3D Secure Password a secret, memorise it, and take all reasonable precautions to prevent anyone else knowing it or using it. A Cardholder should never write down the PIN or the 3D SecurePasscode or any other Security Credential (iii) always protect the Credit Card. Take all reasonable precaution to ensure the Credit Card and any Security Credential is not lost, mislaid or stolen (iv) not go over the Individual Credit Card Limit (v) not assume that they can continue to use the Credit Card if they have broken any of the terms and conditions of this Agreement (they should return the Credit Card to us if they have) (vi) not use the Credit Card before the “valid from” date or after the “until end” date shown on it (vii) not use the Credit Card if we cancel or withdraw it (viii) never use your Credit Card as payment for anything illegal. 2.8 To keep a Card secure we may block it if we write to the Cardholder but our correspondence is returned. (We may contact you to check the address but we are not obliged to). 2.9 A Card cannot be used: 2.9.1 Before the date the Card says it is valid from; 2.9.2 After the date the Card says it is valid to (for example, through the use of the words “until end” or any words having a similar meaning); 2.9.3 After we send you or a Cardholder a notice cancelling the Card. 2.10 We will send each Cardholder a new Card before the last date of validity of the Cardholder’s Card. This Clause will not apply where we or you have terminated these Terms and Conditions under Clause 12 or where we have demanded a return of the Card or blocked its use. 2.11 We regard the following as conclusive evidence that the Cardholder carried out a transaction using a Card: 2.11.1 Use of the PIN with the Card; or 2.11.2 Use of the correct Security Credentials (such as a 3D Secure Passcode) with the Card or Card details. 2.12 You are liable for every use by a Cardholder of a Card even where the Cardholder uses the Card:- 2.12.1 Without your authority; or 2.12.2 In breach of these Terms and Conditions. 2.12.3 Outside the controls and settings you have selected if the Card is registered by you or on your behalf with CardController. For the avoidance of any doubt, we will have no liability to you for any Card transactions on the Account which contravene CardController settings you or anyone on your behalf have made or selected for any Cards registered for CardController. 2.13 Third Party Providers (TPPs) - in this clause “you” includes the Cardholder where applicable. 2.13.1 To use the services of a TPP for your Account, you must be able to access your Account through Digital Banking. 2.13.2 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 2.13.3 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. 2.13.4 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. 2.13.5 It is the responsibility of the TPP to ensure any information it holds about you or your Account is secure. 2.13.6 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. 2.13.7 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. 2.13.8 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. 2.13.9 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). 2.13.10 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. 2.13.11 If you permit a TPP to access your Account we are not responsible for anything the TPP does. 2.13.12 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. 2.13.13 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). 2.13.14 You should contact a TPP directly, if you have any queries or complaints regarding the services they provide you. 2.13.15 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. 2.13.16 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.Password