Common use of Third Party Providers Clause in Contracts

Third Party Providers. (a) If you are registered for Internet Banking, you can choose to use a third party provider: (i) to make balance transfers from your account on your behalf; (ii) to provide account information services to you provided, in both cases, that the third party provider is acting in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provide. (b) We will treat any instruction from a third party provider as if it was from you. We may refuse to allow a third party provider to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them to a third party provider who asks you for them so that they can access Internet Banking on your behalf. (d) If you give your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (e) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) If you think a transaction may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party provider.

Third Party Providers. (a) If you are registered for Internet Banking, you 22.1 You can choose to use a third party provider: Third Party Provider (i"TPP") to give you consolidated information on payment accounts held by you with us and other banks, or to initiate payments on your behalf on your online payment accounts. TPPs must be authorised by law to provide these services. 22.2 You can instruct a TPP to tell us to make balance transfers a payment from your account on your behalf; (ii) to provide account information services to you provided, in both cases, that the third party provider is acting in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provide. (b) We behalf and we will treat any instruction from a third party provider TPP as if it was from you. We may refuse You cannot stop a payment once you have authorised a TPP to make it. You should check with any TPP you allow a third party provider to access your account for reasons related that they are authorised to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in carry out the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawfulservices they are offering. (c) Generally we 22.3 You can instruct a TPP to obtain and hold data about your account. Once a TPP has your permission and has obtained your data, they will be responsible for the security of this data. 22.4 We generally ask that you do not to share your Internet Banking security details internet banking Security Details with anyone else, but we will not treat you as breaking that this agreement if you choose to disclose them your Security Details to a third party provider TPP who asks you for them so that they can access Internet Banking on your behalf. (d) 22.5 The TPP will only be able to have the same amount of access as you when you use Internet Banking. 22.6 If you have a joint account each of you is entitled to consent to a TPP accessing information in respect of your account and / or making payments from your account. Either of you can revoke any on-going consent granted to a TPP to access your account. 22.7 We will treat any instruction from a TPP as if it were made directly by you. If you give your security details consent to a third party TPP that isn’t is not authorised by the Financial Conduct Authority FCA or a by another European Regulator, we’ll have to regulator then we will assume it’s it is you that’s that is authorising us to give access to your account, account and will treat payments instructed by that third party TPP as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third partyyou. (e) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) If you think a transaction may have been made incorrectly or is unauthorised, you 22.8 You must always tell us as soon as possible about unauthorised or incorrect payments even where you use a third party provider.a

Third Party Providers. (a) 7.1 If you are registered use a Third Party Provider (“TPP”), the terms of this Relationship Agreement will still apply. 7.2 A TPP is allowed, with your express agreement, to access your online Transaction Accounts to make payments for Internet Banking, you can and to obtain and consolidate information about your finances. If you choose to use a third party provider:TPP, we will give access to account information and make payments in the same way as if you were accessing account information or making payments directly with us. (i) 7.3 Although you must not, generally, give your Security Information to make balance transfers from anyone else, you may give them to a TPP if it is necessary to do so. They should agree with you that they will keep your account Security Information safe and will only use it for the purposes you have agreed with them. Please note that when you authorise a TPP to access your online Transaction Accounts, they will be able to see all of the information that you can see when you log in and may also be able to give payment instructions on other accounts. The agreement you have in place with the TPP should not allow them to use this information or give payment instructions on your behalf; (ii) to provide account information services to you provided, in both cases, that the third party provider is acting in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provideother accounts. (b) We will treat any instruction from a third party provider as if it was from you. 7.4 We may refuse to allow a third party provider TPP to access your account for reasons related to online Transaction Account where we are concerned about unauthorised or fraudulent access to your account by that third party providerTPP. Before If we do this, we will tell you by telephone or by email and explain give our reasons for doing so, (unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful). (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them to a third party provider who asks you for them so that they can access Internet Banking on your behalf. (d) If you give your security details to a third party that isn’t authorised 7.5 All TPPs must be regulated either by the Financial Conduct Authority or their local financial regulator and so you must check, from the information any TPP gives to you before you use their services, that the TPP is regulated. If you give your Security Information to a European Regulatorprovider that is not regulated, we’ll have to we will assume it’s it is you that’s authorising us to give access to information about your account, online Transaction Account(s) and you will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer payments made as a result of misuse or disclosure of information about your account by result. If we become aware that third party. (e) If you consent to a an unauthorised third party provider having access to information concerning is using your accountSecurity Information, we will assume that you consent block access to access being granted as frequently as the third party provider requests ityour online Transaction Account(s). (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) 7.6 If you think a transaction may have been made incorrectly or is payment initiated by a TPP was unauthorised, you must tell us as soon as possible even you can as we will refund the amount of any unauthorised payment in the same way as an unauthorised payment under condition 10 (Unauthorised Payments). 7.7 If a payment initiated by a TPP is not executed in accordance with your instructions we will compensate you in the same way as we do for where you use a third party providerwe do not execute your instruction correctly under condition 10 (Mistaken Payments).

Third Party Providers. (a) 4.3.1. If you are registered for Internet Banking, our Online Banking Service you can choose to use a third party providerThird Party Provider: (ia) to make balance transfers payments from your account on your behalfbehalf (Third Party Providers who provide these services are known as Payment Initiation Service Providers); (iib) to provide account information services to you provided(Third Party Providers who provide these services are known as Account Information Service Providers); 4.3.2. We can only accept instructions or provide information to a Third Party Provider: a) if they are authorised by or registered with the FCA or another EEA regulator to act as a Payment Initiation Service Provider or Account Information Service Provider; and b) if they are open and transparent about their identity. 4.3.3. Before you instruct a Third Party Provider you should check, in both casesfrom the information that they provide you with, that they are appropriately authorised by the third party provider is acting in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provideFCA or another EEA regulator. (b) We will treat 4.3.4. If you have a joint Account, each of you is entitled to consent to a Third Party Provider accessing information in respect of your Account and/or making payments from your Account, and either of you can revoke any instruction from ongoing consent granted to a third party provider as if it was from you. We may refuse to allow a third party provider Third Party Provider to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawfulAccount. (c) Generally we ask 4.3.5. Our Online Banking Terms and Conditions require you to keep your password and Security Details confidential and you must not to share your Internet Banking security details them with anyone elseanybody else however, but we will not treat you as breaking that agreement the Terms and Conditions if you choose to disclose them such details to a third party provider Third Party Provider who asks you for them so that they can access Internet our Online Banking Service on your behalf. (d) 4.3.6. If you give your security details we make available to a third party Third Party Provider a specific means of accessing your Account, and it tries to access your Account by a different way, we may refuse to allow that isn’t authorised by the Financial Conduct Authority or access. This includes where a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to Third Party Provider uses your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third partySecurity Details. (e) 4.3.7. We are required to treat any Payment Instruction from a Third Party Provider which is a Payment Initiation Service Providers as if it was made directly by you, and these Terms will apply to the subsequent transaction. You must tell us about any unauthorised or incorrectly authorised transactions even where you use a Third Party Provider. 4.3.8. If you consent to a third party provider Third Party Provider having access to information concerning your accountAccount, we will assume that you consent to access being granted as frequently as the third party provider Third Party Provider requests it. Notwithstanding this, we may limit access by the Third Party Provider in accordance with regulatory requirements. (f) If 4.3.9. We are not responsible to you if a Third Party Provider breaches their obligations to you. For example, if you ask a third party provider Third Party Provider to request a payment and they don’t do not do this, we won’t will not be responsible for your payment not being made. If you consent to a Third Party Provider having access to your Account information we will not be liable if the Third Party Provider fails to keep this information safe. (g) 4.3.10. We may stop a Third Party Provider from accessing your Account or refuse to accept a Payment Instruction from a Third Party Provider if we suspect they are attempting unauthorised or fraudulent access to your accounts. We will tell you about this by telephoning you or using any of the contact details we hold for you unless this would compromise our reasonable security measures or would be unlawful. 4.3.11. If you think want to cancel the consent you have given to a transaction may have been made incorrectly Third Party Provider to access your Account you can either contact them directly or is unauthorisednotify us, using the Online Banking Service. Once a Third Party Provider has initiated a payment, you must tell us as soon as possible even where you use cannot normally cancel it, unless these are payments to be made on a third party providerfuture date.

Third Party Providers. (a) If you are registered for Internet Banking, you 9.1 A User can choose to use instruct a third party provider: (i) to make balance transfers from your account on your behalf; (ii) Third Party Provider to provide account information services in relation to you provided, in both cases, that the third party provider your online Account(s) as long as it is acting open and transparent about its identity and acts in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provide. (b) We will treat any instruction from a third party provider Third Party Provider as if it was were from youthe relevant User. 9.2 How a User can use a Third Party Provider will depend on the type of online access you or they have on your Account. A User won’t be able to use a Third Party Provider to do anything they cannot do in relation to your Account. For example, if a User has View Only Access, they won’t be able to use a Third Party Provider to make payments but could use a Third Party Provider to access information on your Account(s). 9.3 If you do not want a User to have access to Third Party Providers, you should ask us to remove that User’s access to internet banking. 9.4 We may refuse to allow a third party provider Third Party Provider to access your account for reasons related to Account if we are concerned about unauthorised or fraudulent access to your account by that third party providerThird Party Provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way which we consider most appropriate in the circumstances. But we We won’t tell you if where doing so would compromise will undermine our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them 9.5 We may make available to a third party provider who asks Third Party Provider a specific means of accessing your Account. If we do, and it tries to access your Account by a different way, we may refuse to allow that access. 9.6 If you for them (or a User) provide consent to a Third Party Provider to access your Account data so that they can access Internet Banking provide account information services or initiate transactions on your behalf. (d) If you give your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (e) If you consent to a third party provider having access us sharing your information (which may include personal data relating to information concerning your account, we will assume that you consent Users) with the Third Party Provider as is reasonably required for them to access being granted as frequently as the third party provider requests itprovide their services to you. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) 9.7 If you think a transaction payment may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party providerThird Party Provider.

Third Party Providers. (a) 4.8.1. If you are registered for Internet Banking, our Online Banking Service you can choose to use a third party providerThird Party Provider: (ia) to make balance transfers payments from your account on your behalfbehalf (Third Party Providers who provide these services are known as Payment Initiation Service Providers); (iib) to provide account information services to you provided(Third Party Providers who provide these services are known as Account Information Service Providers); 4.8.2. We can only accept instructions or provide information to a Third Party Provider: a) if they are authorised by or registered with the FCA or another EEA regulator to act as a Payment Initiation Service Provider or Account Information Service Provider; and b) if they are open and transparent about their identity. 4.8.3. Before you instruct a Third Party Provider you should check, in both casesfrom the information that they provide you with, that they are appropriately authorised by the third party provider is acting in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provideFCA or another EEA regulator. (b) We will treat any instruction from a third party provider as if it was from you4.8.4. We may refuse Our Online Banking Terms and Conditions require you to allow a third party provider to access keep your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do thispassword and Security Details confidential and you must not share them with anybody else however, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement the terms and conditions if you choose to disclose them such details to a third party provider Third Party Provider who asks you for them so that they can access Internet our Online Banking service on your behalfbehalf.‌‌‌‌‌ 4.8.5. If we make available to a Third Party Provider a specific means of accessing your Account, and it tries to access your Account by a different way, we may refuse to allow that access. This includes where a Third Party Provider uses your Security Details. (d) If 4.8.6. We are required to treat any Payment Instruction from a Third Party Provider which is a Payment Initiation Service Providers as if it was made directly by you, and these Terms will apply to the subsequent transaction. You must tell us about any unauthorised or incorrectly authorised transactions even where you give your security details to use a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third partyThird Party Provider. (e) 4.8.7. If you consent to a third party provider Third Party Provider having access to information concerning your accountAccount, we will assume that you consent to access being granted as frequently as the third party provider Third Party Provider requests it. Notwithstanding this, we may limit access by the Third Party Provider in accordance with regulatory requirements. (f) If 4.8.8. We are not responsible to you if a Third Party Provider breaches their obligations to you. For example, if you ask a third party provider Third Party Provider to request a payment and they don’t do not do this, we won’t will not be responsible for your payment not being made. If you consent to a Third Party Provider having access to your Account information we will not be liable if the Third Party Provider fails to keep this information safe. (g) 4.8.9. We may stop a Third Party Provider from accessing your Account or refuse to accept a Payment Instruction from a Third Party Provider if we suspect they are attempting unauthorised or fraudulent access to your accounts. We will tell you about this by telephoning you or using any of the contact details we hold for you unless this would compromise our reasonable security measures or would be unlawful. 4.8.10. If you think want to cancel the consent you have given to a transaction may have been made incorrectly Third Party Provider to access your Account you can either contact them directly or is unauthorisednotify us, using the Online Banking Service. Once a Third Party Provider has initiated a payment, you must tell us as soon as possible even where you use cannot normally cancel it, unless these are payments to be made on a third party providerfuture date.

Third Party Providers. 10.1 You (aor one of your authorised users) If you are registered for Internet Banking, you can choose instruct a Third Party Provider to use a third party provider: (iaccess information on your Account(s) to or make balance transfers payments from your account on your behalf; (iiAccount(s) to provide account information services to you provided, in both cases, that the third party provider online as long as it is acting open and transparent about its identity and acts in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provide. (b) We will treat any instruction from a third party provider Third Party Provider as if it was were from you or the relevant user. 10.2 How you/an authorised user can use a Third Party Provider will depend on the type of online access you or they have on your Account. You won’t be able to use a Third Party Provider to do anything you cannot currently do in relation to your Account. For example, if you have View Only Access, you won’t be able to use a Third Party Provider to make payments but you could use a Third Party Provider to access information on your Account. 10.3 If you do not want a user to have access to Third Party Providers, you should ask us to remove that user’s access to internet banking. 10.4 We may refuse to allow a third party provider Third Party Provider to access your account for reasons related to Account if we are concerned about unauthorised or fraudulent access to your account by that third party providerThird Party Provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we We won’t tell you if doing so would compromise will undermine our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them 10.5 We may make available to a third party provider who asks Third Party Provider a specific means of accessing your Account. If we do, and it tries to access your Account by a different way, we may refuse to allow that access. 10.6 If you for them (or an authorised user) provide consent to a Third Party Provider to access your Account data so that they can access Internet Banking provide Account information services or initiate transactions on your behalf. (d) If you give your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (e) If you consent to a third party provider having access us sharing your information (which may include personal data relating to information concerning your account, we will assume that you consent authorised users) with the Third Party Provider as is reasonably required for them to access being granted as frequently as the third party provider requests itprovide their services to you. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) 10.7 If you think a transaction payment may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party providerThird Party Provider.

Third Party Providers. (a) If you are registered for Internet Banking, you can choose to use a third party provider: (i) to make balance transfers from your account on your behalf; (ii) to provide account information services to you provided, provided in both cases, cases that the third party provider is acting in accordance with the relevant regulatory requirementsrequirements and is a participant in the Open Banking initiative. You can check whether a provider is authorised and a participant in the Open Banking initiative in the information they give to you about the services they will provide.provide and by checking xxxxxxxxxxx.xxx.xx (b) We will treat any instruction from a third party provider as if it was from you. We may refuse to allow a third party provider to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful. (c) Generally we A third party provider that is authorised and a participant in the Open Banking initiative should not ask you not to share for your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose in order to disclose them to a third party provider who asks you for them so that they can access Internet Banking on your behalf. (d) provide their service. If you give any of your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (ed) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (fe) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (gf) If you think a transaction may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party provider. (g) If you want to cancel the consent you have given to a third party provider to access your account you should contact them directly. Once a third party provider has initiated a payment, you cannot normally cancel it.

Third Party Providers. (a) If you are registered for Internet Banking, you can choose to use a third party provider: (i) to make balance transfers from your account on your behalf; (ii) to provide account information services to you provided, in In both cases, that the third party provider is acting in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provide. (b) We will treat any instruction from a third party provider as if it was from you. We may refuse to allow a third party provider to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them to a third party provider who asks you for them so that they can access Internet Banking on your behalf. (d) If you give your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (e) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) If you think a transaction may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party provider.

Third Party Providers. (a) If you are registered for Internet Banking4.1 The Authorised Users may authorise certain types of regulated businesses to access and collate information regarding your Account, you can choose or initiate payments to use a third party provider: (i) to make balance transfers parties from your account on Account without using your behalf;debit or credit card details (“Third Party Provider”). You may share information regarding your Business Internet Banking with a Third Party Provider whom you wish to authorise to act in respect of your Account. (ii) to provide account information services to you provided, in both cases, that the third party provider is acting 4.2 Provided they act in accordance with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provide. (b) We , we will treat any instruction from a third party provider Third Party Provider as if it was from youthe party that authorised them. We may refuse to allow establish a third party provider specific means of access by which we require Third Party Providers to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawfulAccount. (c) Generally we ask 4.3 To keep your Accounts secure when using a Third Party Provider you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them to a third party provider who asks you for them so should ensure that they can access Internet Banking on your behalf. (d) If you give your security details to a third party that isn’t are genuine. Genuine Third Party Providers are authorised or registered by the Financial Conduct Authority or an equivalent European regulator. 4.4 If you share your details with an authorised Third Party Provider they will be able to see all of your selected Accounts appearing on Business Internet Banking and we will not have any control over how your data is used by this Third Party Provider. 4.5 An Authorised User that wishes to use a European RegulatorThird Party Provider will only be able to authorise it to carry out those Functionalities that the Authorised User themselves may carry out. For example, we’ll have to assume it’s you that’s authorising us to give if an Authorised User only has access to your accountview Account information, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (e) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (f) If you ask a third party provider to request a payment and Third Party Provider they don’t do this, we authorise won’t be responsible for able to make payments, but may access information on your payment Account. If you do not being madewant an Authorised User to be able to authorise a Third Party Provider, you should remove their access to Business Internet Banking. 4.6 You consent to us sharing your information (gwhich may include personal information relating to an Authorised User) with Third Party Providers as is reasonably required by them to provide their services. 4.7 If you you, or an Authorised User think a transaction payment may have been made incorrectly or is unauthorised, unauthorised you (or the Additional User) must tell us as soon as possible even where immediately. We may stop a Third Party Provider from accessing your Account if we are concerned about unauthorised or fraudulent access by them. We will inform you use a third party providerof this unless to do so would be contrary to applicable law or regulations, or compromise our reasonable security measures.

Third Party Providers. Company provides certain features, including a function that responds to user requests with automated replies, leveraging certain third-party services or applications to power the Services’ function (a“Third Party AI Tools”), including without limitation as made available by OpenAI LLC and its affiliates (“OpenAI”) If you are registered for Internet Banking(each, a “Third-Party Provider”). By using the Services, you can choose agree to use a third party provider: be bound by OpenAI’s Terms of Use (icurrently accessible at xxxxx://xxxxxx.xxx/policies/terms-of-use) and its Privacy Policy (currently accessible at xxxxx://xxxxxx.xxx/policies/privacy-policy) and hereby consent and authorize Company to share any information you provide it with one or more Third-Party Providers (such as Open AI) to make balance transfers from the minimum extent required to complete your account on your behalf; (ii) request. Company will have no liability for the unavailability of any third-party services, or any Third-Party Provider’s decision to provide account information services to you provideddiscontinue, in both casessuspend or terminate any third-party provided services. YOU, that the third party provider is acting in accordance with the relevant regulatory requirementsAND NOT COMPANY, SHALL BE SOLELY RESPONSIBLE FOR YOUR USE OF THESE THIRD PATY AI TOOLS, INCLUDING ANY USE OF THE RESULTS OF ANY QUERIES OR PROMPTS MADE OR ACTIONS TAKEN BASED ON ANY QUERIES OR PROMPTS YOU MAKE USING THE SERVICES. You can check whether a provider is authorised in the information they give to you about the services they will provideYOU ACKNOWLEDGE AND AGREE THAT ANY CONDUCT YOU ENGAGE IN AS A RESULT OF THE INFORMATION PROVIDED BY THE SERVICES MADE AVAILABLE BY COMPANY OR THIRD-PARTY PROVIDERS IS AT YOUR OWN RISK. BECAUSE CERTAIN SERVICES UTILIZE ARTIFICIAL INTELLIGENCE TO COMMUNICATE WITH YOU, SUCH SERVICES MAY PROVIDE INFORMATION THAT IS AN INACCURATE RESPONSE TO YOUR REQUESTS IN ITS INTERACTIONS WITH YOU. YOU AGREE THAT COMPANY WILL NOT BE HELD LIABLE TO YOU OR ANY THIRD PARTY FOR THE SERVICES OR THIRD-PARTY AI TOOLS PROVIDING INACCURATE INFORMATION TO YOU. (b) We will treat any instruction from a third party provider as if it was from you. We may refuse to allow a third party provider to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them to a third party provider who asks you for them so that they can access Internet Banking on your behalf. (d) If you give your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (e) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) If you think a transaction may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party provider.

Third Party Providers. (a) In the event You have access to or use of the World Tariff Software and other related World Tariff Technology through the products or services of a Third Party Provider, the conditions, disclaimers, waiver, limitations and other terms of this Section apply to You. You may be required to register with a Third Party Providers or use Your existing account and associated credentials with a Third Party Provider to access or use World Tariff Technology. Your access to or use of World Tariff Technology will be subject to the terms and conditions of the Third Party Provider, including, but not limited to, such Third Party Provider’s privacy policy, in addition to the provisions of this Agreement. You understand and agree that Third Party Provider products and services may contain functionality which may be used by You to make shipments through or obtain rates from carriers. You should contact the Third Party Provider to determine if the Third Party Provider products or services has multi-carrier capability. If you are registered for Internet Bankingso, you can choose You agree that You will look solely to use a such third party provider: (i) carriers for the terms under which You may tender shipments to make balance transfers from your account on your behalf; (ii) and have its shipments carried by such third party carriers and that, as between World Tariff and You, You are solely responsible for its compliance with such third party carriers' terms of shipping and will look solely to provide account information services such third party carriers for all remedies attributable to you provided, in both cases, that claims arising out of the third party provider is acting in accordance with the relevant regulatory requirementscarriers’ carriage of Your shipments. YOU WILL DEFEND, INDEMNIFY AND HOLD HARMLESS WORLD TARIFF AND ITS REPRESENTATIVES FROM ALL CLAIMS, DEMANDS AND JUDGMENTS, INCLUDING THE PAYMENT OF ATTORNEYS FEES, FROM THIRD PARTY CARRIERS ARISING OUT OF YOUR USE OF ANY THIRD PARTY PROVIDER PRODUCT OR service to rate or process shipments tendered to such carriers. You can check whether a provider is authorised in acknowledge that Third Party Provider products and other services are not provided by or on behalf of World Tariff. You hereby waive any and all claims against World Tariff arising from or relating to Your use of products or services provided by Third Party Provider(s). You agree to look to the information they give to you about the services they will provide. (b) We will treat any instruction from a third party provider as if it was from you. We may refuse to allow a third party provider to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them to a third party provider who asks you for them so that they can access Internet Banking on your behalf. (d) If you give your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of information about your account by that third party. (e) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) If you think a transaction may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party provider.Third Party Provider for

Third Party Providers. (a) Customer hereby acknowledges and agrees that the Third Party Data and Services provided under this Agreement contain information obtained, selected and consolidated by the Third Party Providers under the authority of the Third Party Providers, that Customer's use of the Third Party Data and Services is authorized and regulated by the Third Party Providers and further that the Third Party Providers may require to be provided with information and data about Customer and the Third Party Users in connection with their provision of Third Party Data and Services. Customer also acknowledges that the Third Party Providers may modify the Third Party Data and Services, discontinue availability of Third Party Data and Services or modify the rules concerning availability and applicable royalty fees of any of the Third Party Data and Services or require changes to the Third Party Data and Services, in which case none of SunGard or the Third Party Providers may be held responsible for such modification and discontinuance. Any changes required by the Third Party Providers over which SunGard has no control shall be made a part of this Agreement by SunGard's written notice of any such changes to Customer. For a thirty (30) day period after receiving such notice from SunGard, Customer may reject such changes and terminate the affected Third Party Data or Service by written notice to SunGard. If you such notice is not received by SunGard within such thirty (30) day period, this Agreement shall be modified by such changes, and shall remain in full force and effect. As far as pass-thru expenses pursuant to Section 5.10 or described elsewhere in this Agreement are registered concerned, based upon SunGard's review of Customer's broker-dealer business operations as of the date hereof, no Third Party Data and Services or Third Party Providers will be used or engaged by SunGard on Customer's behalf other than AT&T for Internet Bankingcommunications lines for the System and FTID for position pricing data, you can choose and SunGard knows of no Third Party Data and Services or Third Party Providers that Customer will need to use a third party provider: (i) to make balance transfers from your account on your behalf; (ii) to provide account information services to you provided, in both cases, that the third party provider is acting in accordance and directly contract with the relevant regulatory requirements. You can check whether a provider is authorised in the information they give to you about the services they will provideother than Loanet. (b) We will treat Customer shall comply with all applicable laws and obtain all necessary consents from any instruction from a third party provider as person, including its employees and the Third Party Users and their respective employees, if it was from youany, regarding the collection, use and distribution to SunGard of any information or data regarding any Third Party User and to the use by Customer and the Third Party Users of the Third Party Data and Services for the purposes set forth herein. We The information and data may refuse to allow a third party provider to access your account for reasons related to unauthorised or fraudulent access to your account by that third party provider. Before we do this, we will tell you include personal and explain our reasons for doing so, unless it is not reasonably practicable, in which case we will tell you immediately afterwards. In either case, we will tell you in the way we consider most appropriate in the circumstances. But we won’t tell you if doing so would compromise our reasonable security measures or otherwise be unlawful. (c) Generally we ask you not to share your Internet Banking security details with anyone else, but we will not treat you as breaking that agreement if you choose to disclose them to a third party provider who asks you for them so that they can access Internet Banking on your behalf. (d) If you give your security details to a third party that isn’t authorised by the Financial Conduct Authority or a European Regulator, we’ll have to assume it’s you that’s authorising us to give access to your account, will treat payments instructed by that third party as authorised by you and will not be responsible for any losses you suffer as a result of misuse or disclosure of other information about your account by that third partythe Customer, its employees, the Third Party Users and their employees, including their use of the market data. SunGard may use this information and data to carry out its obligations under this Agreement, including the provision of such information to the Third Party Providers pursuant to this Agreement. (e) If you consent to a third party provider having access to information concerning your account, we will assume that you consent to access being granted as frequently as the third party provider requests it. (f) If you ask a third party provider to request a payment and they don’t do this, we won’t be responsible for your payment not being made. (g) If you think a transaction may have been made incorrectly or is unauthorised, you must tell us as soon as possible even where you use a third party provider.