Common use of Use of the Card Clause in Contracts

Use of the Card. 5.1 When you receive the Card, you must sign it in the space provided. 5.2 If you do not want the Card, you must destroy it immediately and notify us in writing. American Express is operated under licence in South Africa by Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). 5.3 The Card is valid from the first day of the 'valid from' date on the Card until it expires or until your account is closed. If we allow a Card Transaction after such time, this does not mean that we have extended the validity term of the Card and payment of any amount owing remains your responsibility. 5.4 We will encode the Card with a PIN, which will give you the ability to deposit and withdraw cash and make use of services by means of the Card at compatible electronic devices. 5.5 It is important that your Card and account are not used fraudulently. You must: 5.5.1 take proper care of the Card and your Card number; 5.5.2 ensure that any record of your PIN is kept in a safe place separate from the Card; and 5.5.3 not allow anybody to have knowledge of your PIN. 5.6 If your Card, Card number or PIN is lost, stolen and/or used wrongfully or is used by any person other than you, or you suspect that this has occurred, you must notify us immediately by calling the number provided on your monthly statement. You will be provided with a reference number during your call. You must keep a record of the reference number and must be able to provide it to us when requested to do so. Until you notify us you will be liable for all amounts we pay in such instances. 5.7 You may not use the Card for any unlawful transaction. 5.8 When you use any electronic device, you do so at your own risk and we are not liable for any loss or theft resulting from its use. 5.9 When making withdrawals outside South Africa, the daily withdrawal limit may be different to such limit in South Africa. 5.10 You irrevocably authorise us to: 5.10.1 pay for any purchases, services or cash advances in respect of which the Card or the Card number is used and debit the amount to your Card Account; and 5.10.2 make the necessary entries to do the above and to reverse these entries when appropriate. 5.11 We will not be liable to you if any merchant does not accept the Card or your Card number or if we refuse to authorise any Card Transaction. 5.12 No merchant is our agent. If there is any claim between you and a merchant in respect of the goods or services or in respect of any other matter, our right to receive payment from you will not be affected nor will it give anyone a right of setoff or counterclaim against us. If you did not receive merchandise or the services you paid for, you must resolve the dispute with the merchant. 5.13 You have the right to dispute a Card Transaction, but not necessarily a Contactless Payment. If we are unsuccessful with the chargeback request, you will remain liable for the amount owing on your Total Card Facility. An unsuccessful dispute does not limit your right to claim directly from the merchant. 5.14 If a merchant gives you a refund, it will be credited to your Card Account when we receive a credit voucher. 5.15 You will not have the right to stop any payment we are about to make in respect of any Card Transaction, nor will you have the right to instruct us to reverse a payment in respect of a Card Transaction that has been made, except as provided for by statute.

Use of the Card. 5.1 When you receive the Card, Card you must sign it in the space provided. 5.2 If you do not want the Card, you must destroy it immediately and notify us in writing. American Express is operated under licence in South Africa by Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). 5.3 The Card is valid from the first day of the 'valid from' date on the Card until it expires or until your account is closed. If we allow a Card Transaction after such time, this does not mean that we have extended the validity term of the Card and payment of any amount owing remains your responsibility. 5.4 We will encode the Card with a PIN, which will give you the ability to deposit and withdraw cash and make use of services by means of the Card at compatible electronic devices. 5.5 It is important that your Card and account are not used fraudulently. You must:: American Express is operated under licence in South Africa by Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). 5.5.1 take proper care of the Card and your Card number; 5.5.2 ensure that any record of your PIN is kept in a safe place separate from the Card; and 5.5.3 not allow anybody to have knowledge of your PIN. 5.6 If your Card, Card number or PIN is lost, stolen and/or used wrongfully or is used by any person other than you, or you suspect that this has occurred, you must notify us immediately by calling the number provided on your monthly statement. You will be provided with a reference number during your call. You must keep a record of the reference number and must be able to provide it to us when requested to do so. Until you notify us you will be liable for all amounts we pay in such instances. 5.7 You may not use the Card for any unlawful transaction. 5.8 When you use any electronic device, device you do so at your own risk and we are not liable for any loss or theft resulting from its use. 5.9 When making withdrawals outside South Africa, the daily withdrawal limit may be different to such limit in South Africa. 5.10 You irrevocably authorise us to: 5.10.1 pay for any purchases, services or cash advances in respect of which the Card or the Card number is used and debit the amount to your Card Account; and 5.10.2 make the necessary entries to do the above and to reverse these entries when appropriate. 5.11 We will not be liable to you if any merchant does not accept the Card or your Card number or if we refuse to authorise any Card Transaction. 5.12 No merchant is our agent. If there is any claim between you and a merchant in respect of the goods or services or in respect of any other matter, our right rights to receive payment from you will not be affected nor will it give anyone a right of setoff or counterclaim against us. If you did not receive merchandise or the services you paid for, you must resolve the dispute with the merchant. 5.13 You have the right to dispute a Card Transaction, but not necessarily a Contactless Payment. If we are unsuccessful with the chargeback request, you will remain liable for the amount owing on your Total total Card Facility. An unsuccessful dispute does not limit your right to claim directly from the merchant. 5.14 If a merchant gives you a refund, it will be credited to your Card Account when we receive a credit voucher. 5.15 You will not have the right to stop any payment we are about to make in respect of any Card Transaction, nor will you have the right to instruct us to reverse a payment in respect of a Card Transaction that has been made, except as provided for by statute.

Use of the Card. 5.1 When you receive the Card, you must sign it in the space provided. 5.2 If you do not want the Card, you must destroy it immediately and notify us in writing. American Express is operated under licence in South Africa by Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). 5.3 The Card is valid from the first day of the 'valid from' date on the Card until it expires or until your account is closed. If we allow a Card Transaction after such time, this does not mean that we have extended the validity term of the Card and payment of any amount owing remains your responsibility. 5.4 We will will, where applicable, encode the Card with a PIN, which will give you the ability to deposit and withdraw cash and make use of services by means of the Card at compatible electronic devices. 5.5 It is important that your Card and account are not used fraudulently. You must: 5.5.1 take proper care of the Card and your Card number; 5.5.2 ensure that any record of your PIN is kept in a safe place separate from the Card; and 5.5.3 not allow anybody to have knowledge of your PIN. 5.6 If your Card, Card number or PIN is lost, stolen and/or used wrongfully or is used by any person other than you, or you suspect that this has occurred, you must notify us immediately by calling the number provided on your monthly statement. You will be provided with a reference number during your call. You must keep a record of the reference number and must be able to provide it to us when requested to do so. Until you notify us you will be liable for all amounts we pay in such instances. 5.7 You may not use the Card for any unlawful transaction. 5.8 When you use any electronic device, you do so at your own risk and we are not liable for any loss or theft resulting from its use. 5.9 When making withdrawals outside South Africa, the daily withdrawal limit may be different to such limit in South Africa. 5.10 You irrevocably authorise us to: 5.10.1 pay for any purchases, services or cash advances in respect of which the Card or the Card number is used and debit the amount to your Card Account; and 5.10.2 make the necessary entries to do the above and to reverse these entries when appropriate. 5.11 We will not be liable to you if any merchant the Merchant does not accept the Card or your Card number or if we refuse to authorise any Card Transaction. 5.12 No merchant The Merchant is not our agent. If there is any claim between you and a merchant the Merchant in respect of the goods or services or in respect of any other matter, our right rights to receive payment from you will not be affected nor will it give anyone a right of setoff or counterclaim against us. If you did not receive merchandise or the services you paid for, you must resolve the dispute with the merchantMerchant. 5.13 You have the right to dispute charge back a Card Transaction, but not necessarily a Contactless Paymenttransaction. If we are unsuccessful with the chargeback requestchargeback, you will remain liable for the amount owing on your Total Card Facility. An unsuccessful dispute chargeback does not limit your right to claim directly from the merchantMerchant. 5.14 If a merchant the Merchant gives you a refund, it will be credited to your Card Account when we receive a credit voucher. 5.15 You will not have the right to stop any payment we are about to make in respect of any Card Transaction, Transaction nor will you have the right to instruct us to reverse a payment in respect of a Card Transaction that has been made, except as provided for by statute.

Use of the Card. 5.1 When you receive the Card, you must sign it in the space provided. 5.2 If you do not want the Card, you must destroy it immediately and notify us in writing. American Express is operated under licence in South Africa by Nedbank Ltd Limited Reg No 1951/000009/06, 000 Xxxxxxx Xxxx, Xxxxxxx, Xxxxxxx, 0000, Xxxxx Xxxxxx. Authorised We subscribe to the Code of Banking Practice of The Banking Association South Africa and, for unresolved disputes, support resolution through the Ombudsman for Banking Services. We are an authorised financial services and provider. We are a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP16). 5.3 The Card is valid from the first day of the '‘valid from' ’ date on the Card until it expires or until your account is closed. If we allow a Card Transaction after such time, this does not mean that we have extended the validity term of the Card and payment of any amount owing remains your responsibility. 5.4 We will encode the Card with a PIN, which will give you the ability to deposit and withdraw cash and make use of services by means of the Card at compatible electronic devices. 5.5 It is important that your Card and account are not used fraudulently. You must: 5.5.1 take proper care of the Card and your Card number; 5.5.2 ensure that any record of your PIN is kept in a safe place separate from the Card; and 5.5.3 not allow anybody to have knowledge of your PIN. 5.6 If your Card, Card number or PIN is lost, stolen and/or used wrongfully or is used by any person other than you, or you suspect that this has occurred, you must notify us immediately by calling the number provided on your monthly statement. You will be provided with a reference number during your call. You must keep a record of the reference number and must be able to provide it to us when requested to do so. Until you notify us you will be liable for all amounts we pay in such instances. 5.7 You may not use the Card for any unlawful transaction. 5.8 When you use any electronic device, you do so at your own risk and we are not liable for any loss or theft resulting from its use. 5.9 When making withdrawals outside South Africa, the daily withdrawal limit may be different to such limit in South Africa. 5.10 You irrevocably authorise us to: 5.10.1 pay for any purchases, services or cash advances in respect of which the Card or the Card number is used and debit the amount to your Card Account; and 5.10.2 make the necessary entries to do the above and to reverse these entries when appropriate. 5.11 We will not be liable to you if any merchant does not accept the Card or your Card number or if we refuse to authorise any Card Transaction. 5.12 No merchant is our agent. If there is any claim between you and a merchant in respect of the goods or services or in respect of any other matter, our right rights to receive payment from you will not be affected nor will it give anyone a right of setoff or counterclaim against us. If you did not receive merchandise or the services you paid for, you must resolve the dispute with the merchant. 5.13 You have the right to dispute charge back a Card Transaction, but not necessarily a Contactless Paymenttransaction. If we are unsuccessful with in the chargeback requestchargeback, you will remain liable for the amount owing on your Total Card Facility. An unsuccessful dispute chargeback does not limit your right to claim directly from the merchant. 5.14 If a merchant gives you a refund, it will be credited to your Card Account when we receive a credit voucher. 5.15 You will not have the right to stop any payment we are about to make in respect of any Card Transaction, nor will you have the right to instruct us to reverse a payment in respect of a Card Transaction that has been made, except as provided for by statute.

Use of the Card. 5.1 When you receive the Card, you must sign it in the space provided. 5.2 If you do not want the Card, you must destroy it immediately and notify us in writing. American Express is operated under licence in South Africa by Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). 5.3 The Card is valid from the first day of the 'valid from' date on the Card until it expires or until your account is closed. If we allow a Card Transaction after such time, this does not mean that we have extended the validity term of the Card and payment of any amount owing remains your responsibility. 5.4 We will encode the Card with a PIN, which will give you the ability to deposit and withdraw cash and make use of services by means of the Card at compatible electronic devices. Nedbank Limited Reg No 1951/000009/06, VAT Reg No 4320116074, 000 Xxxxxxx Xxxx, Xxxxxxx, Xxxxxxx, 0000, Xxxxx Xxxxxx. We subscribe to the Code of Banking Practice of The Banking Association South Africa and, for unresolved disputes, support resolution through the Ombudsman for Banking Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP16). 5.5 It is important that your Card and account are not used fraudulently. You must: 5.5.1 take proper care of the Card and your Card number; 5.5.2 ensure that any record of your PIN is kept in a safe place separate from the Card; and 5.5.3 not allow anybody to have knowledge of your PIN. 5.6 If your Card, Card number or PIN is lost, stolen and/or used wrongfully or is used by any person other than you, or you suspect that this has occurred, you must notify us immediately by calling the number provided on your monthly statement. You will be provided with a reference number during your call. You must keep a record of the reference number and must be able to provide it to us when requested to do so. Until you notify us you will be liable for all amounts we pay in such instances. 5.7 You may not use the Card for any unlawful transaction. 5.8 When you use any electronic device, you do so at your own risk and we are not liable for any loss or theft resulting from its use. 5.9 When making withdrawals outside South Africa, the daily withdrawal limit may be different to such limit in South Africa. 5.10 You irrevocably authorise us to: 5.10.1 pay for any purchases, services or cash advances in respect of which the Card or the Card number is used and debit the amount to your Card Account; and 5.10.2 make the necessary entries to do the above and to reverse these entries when appropriate. 5.11 We will not be liable to you if any merchant does not accept the Card or your Card number or if we refuse to authorise any Card Transaction. 5.12 No merchant is our agent. If there is any claim between you and a merchant in respect of the goods or services or in respect of any other matter, our right rights to receive payment from you will not be affected nor will it give anyone a right of setoff or counterclaim against us. If you did not receive merchandise or the services you paid for, you must resolve the dispute with the merchant. 5.13 You have the right to dispute charge back a Card Transaction, but not necessarily a Contactless Paymenttransaction. If we are unsuccessful with the chargeback requestchargeback, you will remain liable for the amount owing on your Total Card Facility. An unsuccessful dispute chargeback does not limit your right to claim directly from the merchant. 5.14 If a merchant gives you a refund, it will be credited to your Card Account when we receive a credit voucher. 5.15 You will not have the right to stop any payment we are about to make in respect of any Card Transaction, Transaction nor will you have the right to instruct us to reverse a payment in respect of a Card Transaction that has been made, except as provided for by statute.

Use of the Card. 5.1 When You must, immediately when you receive the Card, you must sign it insert your signature in the space providedprovided thereon with a non-erasable ballpoint pen. 5.2 If you do not want the Card, you must destroy it immediately without using it and also notify us in writingwriting thereof. 5.3 The Card may be used only by the natural or juristic person whose name appears thereon except in the case of the Personal Travel Card, which may be used only by the Authorised Representative for the purposes of signing for and on your behalf for goods and services provided by the Authorised Representative as stipulated in the agreement between you and the Authorised Representative. 5.4 You may not cede any of your rights or delegate any of your obligations in respect of the Card or its use. American Express is operated under licence in Nedbank Limited Reg No 1951/000009/06 We subscribe to the Code of Banking Practice of The Banking Association South Africa by Nedbank Ltd Reg No 1951/000009/06and, for unresolved disputes, support resolution through the Ombudsman for Banking Services. Authorised We are an authorised financial services and provider. We are a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP16). 5.3 5.5 The Card is valid from the first day of the '‘valid from' ’ date on the Card until it expires or until your account is closedclosed by any of the parties for whatever reason. If we allow a Card Transaction transaction after such timethe Card has expired or has been cancelled, this does not mean that we have extended the validity term of the Card. 5.6 We are the owners of the Card and payment of when your account is closed for whatever reason, you must give the Card back to us (or to any amount owing remains your responsibilityperson who is authorised to act on our behalf). 5.4 5.7 We will shall, where applicable, encode the Card with a PIN, which will give you the ability right to deposit and and/or withdraw cash and and/or make use of services by means of the Card at compatible ATMs or SSTs or other electronic devices. 5.5 5.8 It is important that your Card and account are is not used fraudulently. You mustmust therefore: 5.5.1 5.8.1 take proper care of the Card and your Card numbernumber and do everything that is necessary to prevent it from being lost, stolen and/or used wrongfully; 5.5.2 5.8.2 ensure that any record of your PIN is kept separate from the Card in a safe place separate from the Card; andplace; 5.5.3 5.8.3 not allow anybody to have obtain knowledge of your PIN. 5.6 5.9 If your Card, your Card number or PIN PIN: 5.9.1 is lost, stolen and/or used wrongfully or wrongfully; or 5.9.2 is used by any person other than you, or you suspect that this has occurredand in the case of the Personal Travel Card it is used by any person other than the Authorised Representative, you must notify us immediately at our Nedbank Card Division in Johannesburg by calling the number provided on your monthly statement. You must also notify us immediately if you have reason to believe or suspect that this has happened. You will be provided with a reference number during your telephone call. You must It is important that you keep a record of the this reference number and – you must be able to provide it to us when whenever you are requested to do so. Until you notify You must confirm your verbal notification by sending us you written confirmation thereof, stating the reference number, within 24 (twenty-four) hours after the verbal notification. 5.10 You will be liable for and must repay us all amounts we pay or have to pay if the Card, your Card number or PIN is used unless you have reported it as lost, stolen or being used wrongfully as set out in such instances5.9 above. 5.7 5.11 Except where a transaction is made by means of your PIN or is requested by mail or telephone order, or is effected with the Personal Travel Card, you must sign a sales voucher, a cash advance voucher or a refund voucher, as the case may be, every time you use the Card or give the Card number to a merchant or supplier. By signing the voucher you confirm that the information on it is correct. You will be liable for and must repay us all amounts we pay or have to pay in respect of your Card transactions. If you do not sign the relevant voucher(s), you will still be liable to us. 5.12 You must comply with all the applicable exchange control regulations when you use the Card outside the common monetary area. Card transactions made in foreign currencies will be shown on your statements in South African rands. 5.13 You may not use the Card for any unlawful transactionor illegal transaction and it is your duty to make sure that a transaction is lawful before you use the Card. 5.8 5.14 You may not use the Card for any payment on behalf of a business or for transactions that in our opinion are non-personal transactions. 5.15 When you use any electronic devicean ATM or a SST, you do so at your own risk and we are shall not be liable for any loss or theft resulting from its usethe use of an ATM or a SST or other electronic device. 5.9 5.16 When making withdrawals at ATMs outside the borders of South Africa, the daily withdrawal limit may will be different to such from the daily withdrawal limit in at ATMs inside the borders of South Africa. 5.10 5.17 You irrevocably authorise us to:(which authorisation may not be cancelled): 5.10.1 5.17.1 to pay for any purchases, services or cash advances in respect of which the Card or the Card number is used and to debit the amount concerned to your Card Accountaccount; 5.17.2 to debit your Card account with the amount of the sales voucher or cash advance voucher or any other cash amount withdrawn; and 5.10.2 5.17.3 to make the necessary entries to do the above and to reverse these entries when appropriate. 5.11 5.18 We will shall not in any way be liable to you if any merchant or supplier does not accept the Card or your Card number number, or if we refuse to authorise any Card Transactiontransaction. 5.12 No merchant is our agent. 5.19 If there is are any claim claims or disputes between you and a any merchant or supplier in respect of the nature, quality or quantity of any goods or services you obtained from the merchant or supplier or in respect of any other mattermatter or thing, our right rights to receive payment from you will not be affected in any way nor will it give anyone a right of setoff or counterclaim against us. If you did not receive merchandise You hereby acknowledge that no merchant or the services you paid for, you must resolve the dispute with the merchantsupplier is our agent. 5.13 You have the right to dispute a Card Transaction, but not necessarily a Contactless Payment. If we are unsuccessful with the chargeback request, you will remain liable for the amount owing on your Total Card Facility. An unsuccessful dispute does not limit your right to claim directly from the merchant. 5.14 5.20 If a merchant or supplier gives you a refund, it will be credited to your Card Account when account only in the event of and once we receive a properly issued credit vouchervoucher from the merchant or supplier. 5.15 5.21 You will not have the right to stop any payment we are making or which we are about to make to a merchant or supplier in respect of any Card Transactiontransaction, nor will you have the right to instruct us to reverse a payment in respect of a Card Transaction that transaction which has already been made, except as may be provided for otherwise by statute.

Use of the Card. 5.1 When you receive the Card, Card you must sign it in the space provided. 5.2 If you do not want the Card, Card you must destroy it immediately and notify us in writing. American Express is operated under licence in South Africa by Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). 5.3 The Card is valid from the first day of the '‘valid from' ’ date on the Card until it expires or until your account is closed. If we allow a Card Transaction after such time, this does not mean that we have extended the validity term of the Card and payment of any amount owing remains your responsibility. 5.4 We will encode the Card with a PIN, PIN which will give you the ability to deposit and withdraw cash and make use of services by means of the Card at compatible electronic devices. 5.5 It is important that your Card and account are not used fraudulently. You must: 5.5.1 take proper care of the Card and your Card number; 5.5.2 ensure that any record of your PIN is kept in a safe place separate from the Card; and 5.5.3 not allow anybody to have knowledge of your PIN. 5.6 If your Card, Card number or PIN is lost, stolen and/or used wrongfully or is used by any person other than you, or you suspect that this has occurred, you must notify us immediately by calling the number provided on your monthly statement. You will be provided with a reference number during your call. You must keep a record of the reference number and must be able to provide it to us when requested to do so. Until you notify us you will be liable for all amounts we pay in such instances. 5.7 You may not use the Card for any unlawful transaction. 5.8 When you use any electronic device, device you do so at your own risk and we are not liable for any loss or theft resulting from its use. 5.9 When making withdrawals outside South Africa, the daily withdrawal limit may be different to such limit in South Africa. 5.10 You irrevocably authorise us to: 5.10.1 pay for any purchases, services or cash advances in respect of which the Card or the Card number is used and debit the amount to your Card Account; and 5.10.2 make the necessary entries to do the above and to reverse these entries when appropriate. 5.11 We will not be liable to you if any merchant does not accept the Card or your Card number or if we refuse to authorise any Card Transaction. 5.12 No merchant is our agent. If there is any claim between you and a merchant in respect of the goods or services or in respect of any other matter, our right rights to receive payment from you will not be affected nor will it give anyone a right of setoff or counterclaim against us. If you did not receive merchandise or the services you paid for, you must resolve the dispute with the merchant. 5.13 You have the right to dispute charge back a Card Transaction, but not necessarily a Contactless Paymenttransaction. If we are unsuccessful with the chargeback requestchargeback, you will remain liable for the amount owing on your Total Card Facility. An unsuccessful dispute chargeback does not limit your right to claim directly from the merchant. 5.14 If a merchant gives you a refund, it will be credited to your Card Account when we receive a credit voucher. 5.15 You will not have the right to stop any payment we are about to make in respect of any Card Transaction, nor will you have the right to instruct us to reverse a payment in respect of a Card Transaction that has been made, except as provided for by statute. waive at our sole discretion. The Effective Interest Rate charged will change from time to time as your personal risk profile changes. 6.4 If you pay the outstanding balance on your account on or before the due date on the monthly statement, we may decide not to charge interest in respect of Card Transactions (other than cash advances/withdrawals, electronic transfers, foreign exchange or casino chip purchases, or fuel purchases – these transactions will incur interest from day one) that appear for the first time on that statement. This will not mean that we have waived our right to charge interest and we reserve the right to charge interest at any time. 6.5 If you fail to pay any amount owing to us on the due date, you will be liable for interest at the Contract Rate on the full amount due, but unpaid; including interest and this will not prejudice our rights relating to any act of default. 6.6 You will be liable for and must pay us the fees, costs and charges (including, if applicable, any collection costs) as part of the cost of credit. We are entitled at any time to change and/or vary any fee, cost or charge. The fees, costs and charges at the time of concluding this Agreement are set out in the Quotation. To the extent that value-added tax is payable in respect of any fee, cost or charge, such fee, cost or charge will be inclusive of value-added tax payable by you. 6.7 In addition, you must pay any default administration charge imposed by us to cover administration costs incurred as a result of you defaulting on an obligation under this Agreement; and all fees, costs and charges will be calculated and payable in respect thereof. 6.8 We have the right to debit your account with our standard service and other fees and charges payable from time to time, which will be reflected on your monthly statement. These include, but are not limited to, a service fee, a Card replacement fee and a returned-payment fee. 6.9 Should you have signed a debit order authority, you consent to us: 6.9.1 issuing and delivering a series of payment instructions to your bank on or after the due date for payment as reflected on the statement. The payment instructions will be for either the minimum amount set out on the statement or the full amount owing in terms of this Agreement and will include interest, all other charges levied by us and any taxes payable.