Common use of Transactions and Charges Clause in Contracts

Transactions and Charges. 4.1 You can use your Card in the following ways: a) in conjunction with your PIN for point of sale Transactions, or Transactions using a Cash Machine; b) for Transactions by mail, telephone, mobile phone or other portable Device, internet or by use of a Safeguard System (including the use of your Digital Card through a Digital Wallet); c) through a Card or a Device enabled to make a Contactless Transaction to make purchases for small amounts without using the Chip and PIN or other Security Details. When making a payment using your Card or Device by way of a Contactless Transaction you must place your Card or Device against the reader in the Outlet. The Card or Device, as applicable, will be detected and the payment is completed without you entering your PIN or other Security Details. Occasionally, for your security or for Transactions over certain amounts, you may also be asked to insert your Card into the Card terminal and enter your PIN or on your Device you may be asked to enter your Security Details, to authenticate your Transaction and enable your Transaction to proceed. Details of these limits are available by contacting us. Some limits may not be disclosed for security purposes. d) Use of your Card is subject to Transaction and daily limits as set by us. You can contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. Our contact details are set out in the ‘Contacting Us’ section. 4.2 Charges will be levied in accordance with the details as published from time to time and will be advised to you at the outset of this Agreement. If the charges are to be varied at any time we will advise you in writing or any other way we have agreed to contact you, giving you at least two months’ notice, before the new charges take effect (unless, by law or regulation, we are able to give you shorter notice). On receipt of such notification you may terminate this Agreement in accordance with conditions 11.3 and 11.5. of these Terms and Conditions of use. 4.3 The amount of each Transaction will be debited to your Account even if you are in breach of this Agreement or it has ended. 4.4 You cannot stop or reverse a Transaction you have made using your Card or Card Number once the Transaction has been completed (whether or not you have entered a PIN, Safeguard System passcode, Security Details, signed a voucher or by way of Contactless Transaction) as we guarantee the payment. 4.5 If you have recurring Transactions (also known as ‘Continuous Payment Authorities’) set up on your Card (such as internet or magazine subscription) and you wish to cancel them, you can do so by contacting us up to the last Banking Day before the payment is due to leave your Account. You should also contact the company or service provider to advise them that you are cancelling the recurring Transaction. 4.6 If we have reason to believe that: a) the security of your Card, Account or Device is compromised; b) your Card, Account or Device could be used to commit fraud, or by someone who does not have authority to use it; c) the Transaction seems unusual compared with the way you normally use your Card, Device or Account; d) in the case of a Payment Service that offers you credit there is a significantly increased risk that you may not be able to pay back the money you have borrowed; or e) the Transaction would damage our reputation, then we may prevent or stop any Transaction on your Account. 4.7 Where applicable, unless to do so would be a breach of security or be against the law, we will try to contact you before we take a decision to decline a Transaction, but it may not always be possible for us to do so. Please refer to the ‘Contacting You’ section for the ways in which we can communicate with you. If we contact you by text message you may be asked to confirm a Transaction by responding to the text message with a ‘Y’ or ‘N’ reply. The text will come from +000000000000. This is a number for texting only and it won’t answer if you ring it. We will not ask you for any personal information, account numbers or PIN numbers. If you are not happy to answer the text, contact us on a trusted number found on our Website or correspondence that is known to be authentic, such as a statement. If you do not have a mobile phone or your phone does not receive text messages, we will try to call you. If we are unable to make contact with you by phone we will send you a letter asking that you contact us. 4.8 You are Liable (except as mentioned in condition 2) for payment of: a) all Transactions, and b) all interest and charges as advised to you and as amended from time to time; and c) all losses and reasonable costs that we incur because of any breach of this Agreement. 4.9 Where the Card is used for a Cash Advance facility a Transaction charge is applied to each Cash Advance and is debited to your Account on the same date as the Cash Advance. 4.10 The amount of any non-sterling Transaction will be converted to sterling at the rate of exchange applicable on the date the Transaction is debited to the Account in accordance with the procedures of Visa or Mastercard and accordingly the date of conversion may not be the date of the Transaction. We have no control over when the Transaction will actually be processed by Visa or Mastercard. For Transactions within the EEA, we can provide you with an indicative rate of exchange on the day of the Transaction if you contact us, but as outlined above, this may not be the actual rate that will be applied as exchange rates may fluctuate between the date of a Transaction and the date on which the Transaction amount is debited to the Account. In addition to the fees and charges advised to you, you may also be charged a Transaction fee by the local bank which processes the Transaction. Our contact details are set out in the ‘Contacting Us’ section. We have no control over third parties that might apply a charge to you for processing the Transaction or who convert the local currency into sterling and charge for doing this. We also have no control over the rates they may apply. 4.11 Payment for goods and services ordered by mail, telephone, Internet or other electronic means may require, in some instances, a Security Code. 4.12 When you make a Transaction using your Card, the balance on your Account will usually be increased immediately by the amount of the Transaction. Sometimes, an Outlet (for example a self-service petrol station or a hotel) may obtain a specific pre-authorisation for an amount agreed with you. This may reduce your available credit, although that pre-authorised amount may only be charged by the hotel or petrol station to your Account where you have obtained goods or services to the value of the pre-authorised amount. Once the Outlet instructs us to, we will remove the pre-authorised amount as soon as possible. We recommend that you review your Account details online on a regular basis. Please contact us if you have any queries.

Transactions and Charges. 4.1 You The Card can use your Card be used in the following ways: a) in conjunction with your the PIN for point of sale Transactions, or Transactions using a Cash Machine; b) for Transactions by mail, telephone, mobile phone or other portable Devicedevice, internet or by use of a Safeguard System (including the use of your a Digital Card through a Digital Wallet); c) through a Card or a Device enabled to make a Contactless Transaction to make purchases for small amounts without using the Chip and PIN or other Security Details. When making a payment using your the Card or Device by way of a Contactless Transaction you the Authorised User must place your the Card or Device against the reader in the Outlet. The Card or Device, as applicable, applicable will be detected and the payment is completed without you entering your the PIN or other Security Details. Occasionally, for your security or for Transactions over certain amounts, you the Authorised User may also be asked to insert your the Card into the Card card terminal and enter your their PIN or on your the Device you they may be asked to enter your their Security Details, to authenticate your the Transaction and enable your the Transaction to proceed. Details of these limits are available by contacting us. Some limits may not be disclosed for security purposes. d) . Use of your Card is subject to Transaction and daily limits as set by us. You can contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. Our contact details are set out in the ‘Contacting Us’ section. 4.2 Charges will be levied in accordance with the details as published from time to time and will be advised to you at the outset of this Agreement. If the charges are to be varied at any time we will advise you in writing or any other way we have agreed to contact you, giving you at least two months’ notice, notice before the new charges take effect (unless, by law or regulation, we are able to give you shorter notice). On receipt of such notification you may terminate this Agreement in accordance with conditions 11.3 10.5 and 11.5. 10.6 of these Terms and Conditions of use. 4.3 The amount of each Transaction will be debited to your Account even if you or an Authorised User are in breach of this Agreement or it has ended. 4.4 You cannot stop or reverse a Transaction you have that has been made using your the Card or Card Number once the Transaction has been completed (whether or not you have entered a PIN, Safeguard System passcode, Security DetailsDetails were entered, signed a voucher or by way of Contactless Transaction) as we guarantee the payment. 4.5 If you have recurring Transactions (also known as ‘Continuous Payment Authorities’) set up on your Card (such as internet or magazine subscription) and you wish to cancel them, you can do so by contacting us up to the last Banking Day business day before the payment is due to leave your Account. You should also contact the company or service provider to advise them that you are cancelling the recurring Transaction. 4.6 If we have reason to believe that: a) the security of your the Card, Account or Device is compromised; b) your the Card, Account or Device could be used to commit fraud, or by someone who does not have authority to use it; c) the Transaction seems unusual compared with the way you or an Authorised User normally use your Cardthe Account, Device Card or AccountDevice; d) in the case of a Payment Service that offers you credit there is a significantly increased risk that you may not be able to pay back the money you have borrowed; or e) the Transaction would damage our reputation, then we may prevent or stop any Transaction on your the Account. 4.7 Where applicable, unless to do so would be a breach of security or be against the law, we will try to contact you before we take a decision to decline a Transaction, but it may not always be possible for us to do so. Please refer to the ‘Contacting You’ section for the ways in which we can communicate with you. If we contact you by text message you may be asked to confirm a Transaction by responding to the text message with a ‘Y’ or ‘N’ reply. The text will come from +000000000000. This is a number for texting only and it won’t answer if you ring it. We will not ask you for any personal information, account numbers or PIN numbers. If you are not happy to answer the text, contact us on a trusted number found on our Website or correspondence that is known to be authentic, such as a statement. If you do not have a mobile phone or your phone does not receive text messages, we will try to call you. If we are unable to make contact with you by phone we will send you a letter asking that you contact us. 4.8 You are Liable (except as mentioned in condition 2) for payment of: a) all Transactions, and b) all interest and charges as advised to you and as amended from time to time; , and c) all losses and reasonable costs that which we incur because of any breach of this Agreement. 4.9 Where the a Card is used for a Cash Advance facility facility, a Transaction charge is applied to each Cash Advance and is debited to your Account on the same date as the Cash Advance. 4.10 The amount of any non-sterling Transaction will be converted to sterling at the rate of exchange applicable on the date the Transaction is debited to the Account in accordance with the procedures of Visa or Mastercard and accordingly the date of conversion may not be the date of the Transaction. We have no control over when the Transaction will actually be processed by Visa or MastercardVisa. For Transactions within the EEA, we can provide you with an indicative rate of exchange on the day of the Transaction if you contact us, but as outlined above, this may not be the actual rate that will be applied as exchange rates may fluctuate between the date of a Transaction and the date on which the Transaction amount is debited to the Account. In addition to the fees and charges advised to you, you may also be charged a Transaction fee by the local bank which processes the Transaction. Our contact details are set out in the ‘Contacting Us’ section. We have no control over third parties that might apply a charge to you for processing the Transaction or who convert the local currency into sterling and charge for doing this. We also have no control over the rates they may apply. 4.11 Payment Payments for goods and services ordered by mail, telephone, Internet internet or other electronic means may require, in some instances, a Security Code. 4.12 When you make a Transaction using your Card, the balance on your Account will usually be increased immediately by the amount of the Transaction. Sometimes, an Outlet (for example a self-service petrol station or a hotel) may obtain a specific pre-authorisation for an amount agreed with you. This may reduce your available credit, although that pre-authorised amount may only be charged by the hotel or petrol station to your Account where you have obtained goods or services to the value of the pre-authorised amount. Once the Outlet instructs us to, we will remove the pre-authorised amount as soon as possible. We recommend that you review your Account details online on a regular basis. Please contact us if you have any queries.

Transactions and Charges. 4.1 You can use your Card in the following ways: a) in conjunction with your PIN for point of sale Transactions, or Transactions using a Cash Machine; b) for Transactions by mail, telephone, mobile phone or other portable Device, internet or by use of a Safeguard System (including the use of your Digital Card through a Digital Wallet); c) through a Card or a Device enabled to make a Contactless Transaction to make purchases for small amounts without using the Chip and PIN or other Security Details. When making a payment using your Card or Device by way of a Contactless Transaction you must place your Card or Device against the reader in the Outlet. The Card or Device, as applicable, will be detected and the payment is completed without you entering your PIN or other Security Details. Occasionally, for your security or for Transactions over certain amounts, you may also be asked to insert your Card into the Card card terminal and enter your PIN or on your Device you may be asked to enter your Security Details, to authenticate your Transaction and enable your Transaction to proceed. Details of these limits are available by contacting us. Some limits may not be disclosed for security purposes.; d) Use of your Card is subject to Transaction and daily limits as set by us. You can contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. Our contact details are set out in the ‘Contacting Us’ section. 4.2 Charges will be levied in accordance with the details as published from time to time and will be advised to you at the outset of this Agreement. If the charges are to be varied at any time we will advise you in writing writing, or any other way we have agreed to contact you, giving you at least two months’ notice, notice before the new charges take effect effect, (unless, by law or regulation, we are able to give you shorter notice). On receipt of such notification you may terminate this Agreement in accordance with conditions 11.3 and 11.5. 11.5 of these Terms and Conditions of use. 4.3 The amount of each Transaction will be debited to your Account even if you are in breach of this Agreement or it has ended. 4.4 You cannot stop or reverse a Transaction you have made using your Card or Card Number once the Transaction has been completed (whether or not you have entered a PIN, Safeguard System passcode, Security Details, signed a voucher or by way of Contactless Transaction) as we guarantee the payment. 4.5 If you have recurring Transactions (also known as ‘Continuous Payment Authorities’) set up on your Card (such as internet or magazine subscription) and you wish to cancel them, you can do so by contacting us up to the last Banking Day before the payment is due to leave your Account. You should also contact the company or service provider to advise them that you are cancelling the recurring Transaction. 4.6 If we have reason to believe that: a) the security of your Card, Account or Device is compromised;; or b) your Card, Account or Device could be used to commit fraud, or by someone who does not have authority to use it;; or c) the Transaction seems unusual compared with the way you normally use your Card, Device Account or Account;Device; or d) in the case of a Payment Service that offers you credit there is a significantly increased risk that you may not be able to pay back the money you have borrowed; or e) the Transaction would damage our reputation, reputation then we may prevent or stop any Transaction on your Account. 4.7 Where applicable, unless to do so would be a breach of security or be against the law, we will try to contact you before we take a decision to decline a Transaction, but it may not always be possible for us to do so. Please refer to the ‘Contacting You’ section for the ways in which we can communicate with you. If we contact you by text message you may be asked to confirm a Transaction by responding to the text message with a ‘Y’ or ‘N’ reply. The text will come from +000000000000. This is a number for texting only and it won’t answer if you ring it. We will not ask you for any personal information, account numbers or PIN numbers. If you are not happy to answer the text, contact us on a trusted number found on our Website or correspondence that is known to be authentic, such as a statement. If you do not have a mobile phone or your phone does not receive text messages, we will try to call you. If we are unable to make contact with you by phone we will send you a letter asking that you contact us. 4.8 You are Liable (except as mentioned in condition 22 of these Terms and Conditions of use) for payment of: a) all Transactions, ; and b) all interest and charges as advised to you and as amended from time to time; and c) all losses and reasonable costs that we incur because of any breach of this Agreement. 4.9 Where the Card is used for a Cash Advance facility a Transaction charge is applied to each Cash Advance and is debited to your Account on the same date as the Cash Advance. 4.10 The amount of any non-sterling Transaction will be converted to sterling at the rate of exchange applicable on the date the Transaction is debited to the Account in accordance with the procedures of Visa or Mastercard and accordingly the date of conversion may not be the date of the Transaction. We have no control over when the Transaction will actually be processed by Visa or MastercardVisa. For Transactions within the EEA, we can provide you with an indicative rate of exchange on the day of the Transaction if you contact us, but as outlined above, this may not be the actual rate that will be applied as exchange rates may fluctuate between the date of a Transaction and the date on which the Transaction amount is debited to the Account. In addition to the fees and charges advised to you, you may also be charged a Transaction fee by the local bank which processes the Transaction. Our contact details are set out in the ‘Contacting Us’ section. We have no control over third parties that might apply a charge to you for processing the Transaction or who convert the local currency into sterling and charge for doing this. We also have no control over the rates they may apply. 4.11 Payment for goods and services ordered by mail, telephone, Internet internet or other electronic means may require, in some instances, a Security Code. 4.12 When you make a Transaction using your Card, the balance on your Account will usually be increased immediately by the amount of the Transaction. Sometimes, an Outlet (for example a self-service petrol station or a hotel) may obtain a specific pre-authorisation for an amount agreed with you. This may reduce your available credit, although that pre-authorised amount may only be charged by the hotel or petrol station to your Account where you have obtained goods or services to the value of the pre-pre- authorised amount. Once the Outlet instructs us to, we will remove the pre-authorised amount as soon as possible. We recommend that you review your Account details online on a regular basis. Please contact us if you have any queries.

Transactions and Charges. 4.1 You can use your Card in the following ways: a) in conjunction with your PIN for point of sale Transactions, or Transactions using a Cash Machine; b) for Transactions by mail, telephone, mobile phone or other portable Device, internet or by use of a Safeguard System (including the use of your Digital Card through a Digital Wallet); c) through a Card or a Device enabled to make a Contactless Transaction to make purchases for small amounts without using the Chip and PIN or other Security Details. When making a payment using your Card or Device by way of a Contactless Transaction you must place your Card or Device against the reader in the Outlet. The Card or Device, as applicable, will be detected and the payment is completed without you entering your PIN or other Security Details. Occasionally, for your security or for Transactions over certain amounts, you may also be asked to insert your Card into the Card card terminal and enter your PIN or on your Device you may be asked to enter your Security Details, to authenticate your Transaction and enable your Transaction to proceed. Details of these limits are available by contacting us. Some limits may not be disclosed for security purposes.; d) Use of your Card is subject to Transaction and daily limits as set by us. You can contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. Our contact details are set out in the ‘Contacting Us’ section. 4.2 Charges will be levied in accordance with the details as published from time to time and will be advised to you at the outset of this Agreement. If the charges are to be varied at any time we will advise you in writing writing, or any other way we have agreed to contact you, giving you at least two months’ notice, notice before the new charges take effect effect, (unless, by law or regulation, we are able to give you shorter notice). On receipt of such notification you may terminate this Agreement in accordance with conditions 11.3 13.3 and 11.5. 13.5 of these Terms and Conditions of use. 4.3 The amount of each Transaction will be debited to your Account even if you are in breach of this Agreement or it has ended. 4.4 You cannot stop or reverse a Transaction you have made using your Card or Card Number once the Transaction has been completed (whether or not you have entered a PIN, Safeguard System passcode, Security Details, signed a voucher or by way of Contactless Transaction) as we guarantee the payment. 4.5 If you have recurring Transactions (also known as ‘Continuous Payment Authorities’) set up on your Card (such as internet or magazine subscription) and you wish to cancel them, you can do so by contacting us up to the last Banking Day before the payment is due to leave your Account. You should also contact the company or service provider to advise them that you are cancelling the recurring Transaction. 4.6 If we have reason to believe that: a) the security of your Card, Account or Device is compromised;; or b) your Card, Account or Device could be used to commit fraud, or by someone who does not have authority to use it;; or c) the Transaction seems unusual compared with the way you normally use your Card, Device Account or Account;Device; or d) in the case of a Payment Service that offers you credit there is a significantly increased risk that you may not be able to pay back the money you have borrowed; or e) the Transaction would damage our reputation, reputation then we may prevent or stop any Transaction on your Account. 4.7 Where applicable, unless to do so would be a breach of security or be against the law, we will try to contact you before we take a decision to decline a Transaction, but it may not always be possible for us to do so. Please refer to the ‘Contacting You’ section for the ways in which we can communicate with you. If we contact you by text message you may be asked to confirm a Transaction by responding to the text message with a ‘Y’ or ‘N’ reply. The text will come from +000000000000. This is a number for texting only and it won’t answer if you ring it. We will not ask you for any personal information, account numbers or PIN numbers. If you are not happy to answer the text, contact us on a trusted number found on our Website or correspondence that is known to be authentic, such as a statement. If you do not have a mobile phone or your phone does not receive text messages, we will try to call you. If we are unable to make contact with you by phone we will send you a letter asking that you contact us. 4.8 You are Liable (except as mentioned in condition 22 of these Terms and Conditions of use) for payment of: a) all Transactions, ; and b) all interest and charges as advised to you and as amended from time to time; and c) all losses and reasonable costs that we incur because of any breach of this Agreement. 4.9 Where the Card is used for a Cash Advance facility a Transaction charge is applied to each Cash Advance and is debited to your Account on the same date as the Cash Advance. 4.10 The amount of any non-sterling Transaction will be converted to sterling at the rate of exchange applicable on the date the Transaction is debited to the Account in accordance with the procedures of Visa or Mastercard and accordingly the date of conversion may not be the date of the Transaction. We have no control over when the Transaction will actually be processed by Visa or MastercardVisa. For Transactions within the EEA, we can provide you with an indicative rate of exchange on the day of the Transaction if you contact us, but as outlined above, this may not be the actual rate that will be applied as exchange rates may fluctuate between the date of a Transaction and the date on which the Transaction amount is debited to the Account. In addition to the fees and charges advised to you, you may also be charged a Transaction fee by the local bank which processes the Transaction. Our contact details are set out in the ‘Contacting Us’ section. We have no control over third parties that might apply a charge to you for processing the Transaction or who convert the local currency into sterling and charge for doing this. We also have no control over the rates they may apply. 4.11 Payment for goods and services ordered by mail, telephone, Internet internet or other electronic means may require, in some instances, a Security Code. 4.12 When you make a Transaction using your Card, the balance on your Account will usually be increased immediately by the amount of the Transaction. Sometimes, an Outlet (for example a self-service petrol station or a hotel) may obtain a specific pre-authorisation for an amount agreed with you. This may reduce your available credit, although that pre-authorised amount may only be charged by the hotel or petrol station to your Account where you have obtained goods or services to the value of the pre-authorised amount. Once the Outlet instructs us to, we will remove the pre-authorised amount as soon as possible. We recommend that you review your Account details online on a regular basis. Please contact us if you have any queries.