Common use of Use of the Card Clause in Contracts

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.

Use of the Card. To activate the Card you will need to log onto the Card Partner App or Card Partner’s Website and use the activate card function. We will be entitled to assume that a Transaction has been Authorised by You may where (i) the magnetic strip on the Card was swiped by the Merchant; (ii) the Card was inserted into a chip & PIN device and the PIN was entered; (iii) relevant information was supplied to the Merchant that allows them to process the Transaction, for example, providing the Merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader. The Cardholder should only use the Card as permitted by the Business. If the Cardholder uses the Card, we are entitled to obtain legal goods and services from any person or establishment accepting presume that the Cardholder has the Business’ permission to spend the Available Balance until notified to the contrary by the Business. The Cardholder can use the Card up to the amount of the Available Balance for Transactions (“Purchase(s)”)i) via the Internet, (ii) at Merchants and obtain loans (“Cash Advance(s)”iii) to make cash withdrawals from ATMs, provided that such application is included in the card program. We will deduct the value of the Transactions from the Available Balance in the Account. We will also deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule. ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn. Like other card issuers, we cannot guarantee a Merchant, an ATM operator or a bank will accept the Card. We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following: ● if we have reasonable grounds to believe that the Card is being in a way which is not approved by the Business; ● if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner; ● if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees; ● if there is an outstanding Shortfall in the Account; ● if we have reasonable grounds to believe that you are acting in breach of this Agreement; ● if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by Merchants, payment processors or payment schemes processing Transactions, or ● if we need to do so in order to comply with the law. If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply. The Business will remain responsible to the Issuer for the use of the Card. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems. Please contact us using the contact details set out in clause 2 to notify us of any problems you are experiencing using the Card or Account and we will endeavour to resolve any problem. You can manage the Card and view your e-statements by accessing the Account online via the Card Partner's Website or Card Partner App. You may at any time view the details of the Transactions in the Account using the relevant credentials. You must keep your credentials safe and not disclose them to anyone. The Account will include all Transactions notified to us up to the applicable limits on your Account and to take advantage of other features evening of the Cardprevious Business Day. As Your transaction information (“e-statement”) will contain: (i) a reference enabling you to identify each Transaction; (ii) the amount of each Transaction; (iii) the currency in which the Card is debited/credited; (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in this Agreement, the term “Purchases” will include Purchases, Transaction and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, amount of the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card Transaction after the expiration currency conversion, where applicable; and (v) the Transaction debit/credit value date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and ) to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including, but not limited to Bitcoin, or f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFee, if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”. Charges included include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. Credit Line Maintenance: You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether provide financial statements on the internet or otherwiseCardholder as requested by us. If you Failure to do use your Card for illegal purposes or gambling, you will be so may result in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions the suspension of charging privileges on your Account. You should not use also agree to provide us with any information required by law or regulation, including information that may be required under the Card after USA Patriot Act and the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay BankSecrecy Act.

Use of the Card. You All Boost Beyond Cards are issued with contactless functionality and are MasterCard PayPass enabled. Once the Boost Beyond Card is activated and you have topped-up the Card with sufficient funds, you may start to use the Boost Beyond Card to purchase goods and services worldwide anywhere a MasterCard card is accepted and also to access cash at ATMs or financial institutions displaying the MasterCard name and/or logo, whereupon for ATM functionality, Boost shall duly inform the Cardholder within the App of its availability. Each time you use the Card to obtain legal purchase goods or services, you authorize us to deduct your funds from your Card Account. The Card is non-transferable and services from shall only be used exclusively by you as the Cardholder. Your Card shall not be pledged by you as security for any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge formpurpose whatsoever. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if shall not give the Card or any Convenience Checks we may issue on your Card Account are lost number to other third parties or stolen, or if you suspect they are being used without your permission. You agree allow them to use the Account only it for legal purchases of goods and services. Cards may not be used for gambling purposescharges, whether on the internet identification or otherwiseany other purpose. If you do so, you will be liable for all charges made with the Card as a result thereof. You also cannot use your Card for purposes which are deemed to be illegal purposes or gambling, you will be in default under this Agreement unacceptable by us and we shall be entitled to block the authorization for the use of the Card for such activities. Your Card usage is limited to a maximum of the Card Limit (depending on which Card Limit we have approved for you and pegged to your Payment Source). If you opt for any optional services provided by us (if applicable), then you may terminate your Accounthave to maintain a minimum amount as specified in connection with the use of those services. We may further set certain limits and thresholds for specific use categories (within the Card Limit) which you cannot exceed whether daily, but you still will monthly or so on. We may further refuse any Transaction or limit the amount to be liable to us transacted either on a per transaction or aggregated basis at any time and for all Charges relating to such transactions and all other transactions on your Accountany reason. You should frequently review your Card Account to check and verify your Available Balance before using your Card. You must always ensure that there are sufficient funds in your Card Account to pay for each transaction and to cover the total amount transacted on your Card Account, including purchases, recurring transactions, fees and other charges. If the total amount in your Card account is insufficient, your transaction will be declined and in the case of recurring declined transactions, you would have to make your own arrangements for payment with the recurring merchant, and we shall not use the Card after the expiration datebe liable for any penalty or late payment interest charged by such merchant on you. If you want have not paid any of the fees (as may be applicable), your Card cannot be used and we will be entitled to cancel block, suspend and/or to terminate your Card account. Without prejudice to the above, we shall not be responsible for the refusal of any Merchant or member institution of Mastercard to honour or accept your Card. All transactions conducted with your Card will only be reflected and posted to your Card Account after they have been submitted by the respective Merchant or acquiring bank and processed by the Mastercard payment network and authorised ONLY by Xxxxx. Take note, as part of our CDD requirements and security monitoring process, Boost reserves the right to review your Card Account activities and any Additional CardsTransaction at any point in time in order to protect you and your funds and to ensure the validity, safety and security of your Card Account against money laundering, terrorism financing, fraudulent or illegal activities. As a provider of financial services, Xxxxx also plays an important role in the fight against financial crime, money laundering and terrorist financing activities and as a result, the Applicable Laws require us to obtain, verify and record personal and private information about our customers and to conduct periodic account reviews. These processes often include steps that involve additional verification and validation of identity, payment or funding sources and instructions, and of other Transaction information which may require us to contact you must contact us further for the relevant information, which may result in delay in the processing of a Transaction until such verification and destroy validation is satisfactorily completed. In the Card or event that your Transaction is subject to any Additional Cardsprocess for additional verification and/or validation (including AML compliance checks), your Transaction may be put on hold while we collect and confirm the source of the funds and complete the verification and validation process. We reserve the right to deny authorization refuse to process Transactions for certain individuals, including without limitation, individuals from sanctioned or high risk countries, individuals who have been blacklisted by any financial institutions, licensed banks or e-money issuers in Malaysia or abroad, individuals who are included in our internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities (including but not limited to Bank Negara Malaysia), the United Nations Security Council Resolutions (UNSCR), Office of Foreign Assets Control (OFAC), or who are deemed as Specially Designated Nationals (SDNs), included under any lists or databases as provided or recommended by the Financial Action Task Force (FATF) and such other lists as may be issued from time to time by relevant government agencies. We may also refuse to process any Transaction on behalf of individuals that may appear on any list of politically exposed persons (PEPs) or that are family members or considered close associates of such PEPs (RCAs). If the Card is used in a manner other than as permitted by this Cardholder Agreement, to the extent permitted by law, we may, at our option and without waiving any of our rights, recognize the transactions and debit or credit the Card accordingly. Any online betting and/or gambling activities are prohibited and you agree that we do not owe you any duty and/ or obligation whatsoever to monitor and block the use of the Card for any requested Chargeunlawful activities. All Purchases are affected at If we do find that your Card has been used for unlawful or fraudulent activity, we shall be entitled to suspend, block and/or terminate the option use of the Seller Card immediately without prior notice to you. Notwithstanding the above, Boost reserves the right to block, suspend or decline any Transaction at its sole and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal absolute discretion. We reserve the right to suspend, revoke and/or block any reloads or top ups to your Card Account which we discover and/or which we have been informed by any Seller third parties (including the police, Bank Negara Malaysia, Mastercard and/or other banking institutions or Cash Advancing Financial Institution other relevant parties) to honor the Cards be irregular, suspicious, illegal or any Related Card. Any refundunauthorized, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which and we shall be shown entitled to take any action against you as a credit on Cardholders account statement with Solvay Bankmay be deemed necessary for such transactions, including blocking suspending and/or terminating your Card and Card account.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, dc) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, ed) engaging in another similar transaction, or fe) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, or Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks Cards we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.

Use of the Card. You may Purchasing and cash advance privileges (if allowed) on the Card and Account are provided by the Bank pursuant to the GSA Contract and one or more task orders between the Bank and my Agency/Organization, and are subject to this Agreement. I agree to use the Card only for official travel and official travel-related expenses in accordance with applicable law and the policy of my Agency/Organization. I agree not to obtain legal goods and services from any person or establishment accepting use the Card (“Purchase(s)”)for personal, family or household purposes. I understand that the Card is not transferable and obtain loans (“Cash Advance(s)”) from us up to will be used by me alone only after I have signed the applicable limits on your Account and to take advantage of other features back of the Card. As used in I agree that I will not charge the expenses of others on this card. In the event that I do make charges that violate the terms of this Agreement, I understand that I am fully liable for all such transactions made. Unless canceled, the term “Purchases” Card will include Purchasesbe valid through the expiration date printed on its face. By agreeing to the terms of this Agreement, I am requesting that the Bank issue a renewal Card to me before the current Card expires. Unless I have a Restricted card, the Bank will continue to issue renewal Cards until my Agency/Organization or I tell the Bank to stop. If I have a Restricted card, the Bank will not issue a renewal Card until after the Bank has conducted a creditworthiness assessment on me. I hereby consent to must pay in U.S. dollars drawn on funds in the U.S. If I do not do so, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash AdvancesBank accepts my payment, the Annual Card feeBank shall select the currency conversion rate and I must pay the Bank’s costs. The Bank may accept late payments, if any, partial payments or checks and money orders marked “payment in full” or with other fees, and restrictive endorsements without losing any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default rights under this Agreement and we may terminate your Account, but you still or under the law. Even if the Bank does not enforce its rights under this Agreement it will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Banklose them.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; include a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including, but not limited to Bitcoin, or (f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFees (as described below), if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”. Charges included include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to incur a Charge, regardless of whether you have signed a charge form. Credit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by us. Failure to do so may result in the suspension of charging privileges on your Account. You also agree to provide us with any information required by law or regulation, including information that may be required under the USA Patriot Act. Transfers: You may not transfer your Account or any of your rights and obligations under this Agreement. Any such transfer will be void. Additional Cards: You, as the Primary Cardholder, are responsible for paying all amounts charged to the Account Charges on your Account. Any Additional Cards may be canceled by either you or by us. You agree to make sure that any Additional CardholdersCards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Authorized Users in the course of maintaining your Account. We may, in our sole discretion, pursue Authorized Users for payment of their Charges if you fail to pay those Charges. If you want to end an Authorized User’s privilege to use your Account, you must recover and destroy that person’s Card. If you do not, you will continue to be liable for any charges made, even if you have advised us of your wish to cancel that person’s Card privileges, unless you tell us to cancel all Cards and establish a new Account for you or you report the Card as lost or stolen. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect each Authorized User that they are being used without your permission. You agree subject to use the Account only for legal purchases all applicable sections of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay BankAgreement.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of 5.1 When you receive the Card. As used , you must sign it in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwisespace provided. If you do not want the Card, you must destroy it immediately and notify us in writing. 5.2 The Card may be used only by the natural or juristic person whose name appears on the Card, except in the case of the duplicate Card, which may be used only by the authorised representative for the purposes of signing for you and on your behalf for goods and services provided by the authorised representative as stipulated in the agreement between you and the authorised representative. 5.3 The Card may be used only by the natural or juristic person whose name appears thereon, except in the case of the duplicate card, which may be used only by the authorised representative for the purposes of signing for you 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 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. 5.6 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. 5.7 It is important that your Card for illegal purposes and account are not used fraudulently. You must: 5.7.1 take proper care of the Card and your Card number; 5.7.2 ensure that any record of your PIN is kept in a safe place separate from the Card; and 5.7.3 not allow anybody to have knowledge of your PIN. 5.8 If your Card, Card number or gamblingPIN 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 in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to amounts we pay in such transactions and all other transactions on your Account. instances. 5.9 You should may not use the Card after for any unlawful transaction. 5.10 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. 5.11 When making withdrawals outside South Africa, the expiration datedaily withdrawal limit may be different to the limit in South Africa. 5.12 You irrevocably authorise us to: 5.12.1 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 5.12.2 make the necessary entries to do the above and to reverse these entries when appropriate. 5.13 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. 5.14 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 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 want to cancel your Account did not receive merchandise or any Additional Cardsthe services you paid for, you must contact us and destroy resolve the Card or any Additional Cards. We reserve dispute with the merchant. 5.15 You have the right to deny authorization dispute a Card Transaction, but not necessarily a Contactless Payment. If we are unsuccessful with the chargeback request, you will remain liable for any requested Chargethe amount owing on your Total Card Facility. All Purchases are affected at An unsuccessful dispute does not limit your right to claim directly from the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any merchant. 5.16 If a merchant gives you a refund, adjustment or credit allowed by Seller shall not it will be by cash but rather by credited to your Card Account when we receive a credit advice voucher. 5.17 You will not have the right to Solvay Bank which shall be shown 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 a credit on Cardholders account statement with Solvay Bankprovided for by statute.

Use of the Card. You may 8.1 To activate the Card, you will need to log onto the User App or Website and use the ‘activate card’ function. 8.2 We will be entitled to assume that a Transaction has been Authorised by you where (i) the magnetic strip on the Card was swiped by the merchant; (ii) the Card was inserted into a chip & PIN device and the PIN was entered; (iii) relevant information was supplied to the merchant that allows them to process the Transaction, for example, providing the merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader. 8.3 Your Cardholder should only use the Card as permitted by the Business. If your Cardholder uses the Card, we are entitled to obtain legal goods and services from any person or establishment accepting presume that the Cardholder has your Business’ permission to spend the Available Balance until notified to the contrary by your Business. Your Cardholder can use the Card up to the amount of the Available Balance for Transactions (“Purchase(s)”)i) via the Internet, (ii) at merchants, or (iii) to make cash withdrawals from ATMs, provided that such application is included in the card program. 8.4 We will deduct the value of the Transactions from the Available Balance in the Account. We will also deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule. 8.5 ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and obtain loans regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn. 8.6 Like other card issuers, we cannot guarantee a merchant, an ATM operator or a bank will accept the Card. 8.7 We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following: (“Cash Advance(s)”a) from if we have reasonable grounds to believe that the Card is being used in a way which is not approved by the Business. (b) if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner. (c) if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees. (d) if we have reasonable grounds to believe that you are acting in breach of these Terms. (e) if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing Transactions. (f) if we need to do so in order to comply with the law. 8.8 If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply. 8.9 Your Business will remain responsible to us for the use of the Card. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems. Please contact us via the Programme Manager to notify us of any problems you are experiencing using the Card or Account and we will endeavour to resolve any problem. 8.10 You can manage the Card and view your e-statements by accessing the Account online via the Website or User App. You may at any time view the details of the Transactions in the Account using the relevant credentials. You must keep your credentials safe and not disclose them to anyone. The Account will include all Transactions notified to us up to the applicable limits on your Account and to take advantage of other features evening of the Card. As previous Business Day. 8.11 Your transaction information (“e-statement”) will contain: (i) a reference enabling you to identify each Transaction; (ii) the amount of each Transaction; (iii) the currency in which the Card is debited; (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in this Agreement, the term “Purchases” will include Purchases, Transaction and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, amount of the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card Transaction after the expiration currency conversion, where applicable; and (v) the Transaction debit value date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.

Use of the Card. 11.1 When using the Card for a Transaction, a Transaction will be properly authorised: a) by the Cardholder using the Card together with the PIN or the Security Code, and where appropriate using any “Proceed” or similar key. Subject to condition 11.8, once the “Proceed” or similar key has been used authorisation cannot be withdrawn; or b) by the Cardholder signing a sales voucher for the Transaction. If the Cardholder has signed a sales voucher for the Transaction subject to condition 11.8, authorisation cannot be withdrawn once the signed voucher has been accepted by the Retailer or provider of a Cash Withdrawal. The authorisation of a Transaction can include authorising any single Transaction, a series of recurring Transactions or pre-authorising a future Transaction of a certain or uncertain amount. 11.2 You may should notify Business Card Services as soon as possible if you or a Cardholder becomes aware of a Transaction which has not been authorised by a Cardholder. Contact details are set out in the section called “Help and Information”. 11.3 If a Cardholder is unable to use the Card PIN because of a disability you should contact us at the address shown in the section called “Help and Information”. 11.4 A Retailer, ATM Operator or other third party may contact us or an agent acting for us for confirmation – or “authorisation” – that we will pay the Transaction. We have the right to obtain legal goods and services from refuse authorisation for any person particular Transaction if reasonable, for example if the Transaction results in the Business or establishment accepting the Card (“Purchase(s)”)Cardholder Limit being exceeded, and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage you are in breach of other features of the Card. As used in this Agreement, or we (or the term “Purchases” systems we use) reasonably suspect the Transaction is fraudulent. If any Transaction is declined you may contact us at Business Card Services on 0345 835 7940 or by writing to them at Business Card Services, TSB Bank plc, Ariel House, 0000 Xxxxxxxx Xxxx, Xxxxxxx, Birmingham, B26 3JW. If we have declined the Transaction we will, where reasonably possible, tell you why the Transaction was declined. If the reason for our declining the Transaction was based on incorrect information, we will include Purchasesagree with you what needs to be done to correct that information. 11.5 If authorisation is given, that Transaction will immediately reduce the total amount that can be drawn within the relevant Cardholder Limit and the term “Cash Advances” will include; a) Cash AdvancesBusiness Limit. 11.6 We may be subject to sanctions and/or embargoes imposed by the international community including the UK, b) Convenience ChecksEU, c) obtaining funds through an automated teller machine (ATM) UN and the USA. We may refuse Transactions or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers chequesrefuse to make any payment if it would result, or stored value loadin our reasonable opinion is likely to result, ein a breach by us or any of our employees of any sanction or embargo whether or not imposed in the UK and we will not be liable for any loss, damage, cost or expense by reason aforesaid. We shall be permitted to disclose to the relevant authorities such information in relation to any Transaction and/or payment as may be required. 11.7 Cardholders may make Cash Withdrawals of up to £500 per day, provided they do not exceed their Cardholder Limit. We may change the Cash Withdrawal Limit of £500 by giving you notice under condition 15. 11.8 Where a Cardholder sets up a regular payment (recurring Transaction) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an be made from the Cardholder Account, which include Purchases, Cash Advances, such Transactions should be cancelled by you or the Annual Card fee, if anyCardholder telling the Retailer, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance party the Cardholder has made the arrangement with or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwiseus. If you do use your Card for illegal purposes or gamblingask us to stop the payment, you will be in default under this Agreement and we may terminate your Account, but must tell us no later than the close of business on the Business Day before the payment was due to take place. We also advise you still will be liable to us for all Charges relating contact the person you make payment to such transactions and all other transactions on your Accountso that they do not keep trying to take payment. You should not use the Card after the expiration date. If will need to contact them if you want to cancel your Account agreement with them, in any case, as we cannot do that for you By cancelling a recurring Transaction arrangement you or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsa Cardholder will have withdrawn authorisation for future Transactions. We reserve the right will treat any future Transactions made pursuant to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown that arrangement as a credit on Cardholders account statement with Solvay Bankunauthorised.

Use of the Card. 11.1 When using the Card for a Transaction, a Transaction will be properly authorised: (a) by the Cardholder using the Card together with the PIN or the Security Code, and where appropriate using any “Proceed” or similar key, or by the Cardholder presenting the Business Credit Card to a contactless card-reader. Subject to condition 11.9, once the “Proceed” or similar key has been used, or by the Cardholder presenting the Business Credit Card to a contactless card-reader authorisation cannot be withdrawn; or (b) by the Cardholder signing a sales voucher for the Transaction. If the Cardholder has signed a sales voucher for the Transaction subject to condition 11.9, authorisation cannot be withdrawn once the signed voucher has been accepted by the Retailer or provider of a Cash Withdrawal. The authorisation of a Transaction can include authorising any single Transaction, a series of recurring Transactions or pre−authorising a future Transaction of a certain or uncertain amount. 11.2 You may should notify Business Card Services as soon as possible if you or a Cardholder becomes aware of a Transaction which has not been authorised by a Cardholder. Contact details are set out in the section called "Help and Information". 11.3 If a Cardholder is unable to use the Card PIN because of a disability you should contact us at the address shown in the section called "Help and Information". 11.4 A Retailer, ATM operator or other third party may contact us or an agent acting for us for confirmation – or “authorisation” – that we will pay the Transaction. We have the right to obtain legal goods and services from refuse authorisation for any person particular Transaction if reasonable, for example if the Transaction results in the Business or establishment accepting the Card (“Purchase(s)”)Cardholder Limit being exceeded, and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage you are in breach of other features of the Card. As used in this Agreement, or we (or the term “Purchases” systems we use) reasonably suspect the Transaction is fraudulent. You will include Purchasesusually find out that we have refused to authorise a Transaction if a Retailer asks for payment by another method or the ATM will not dispense cash. However, a Retailer may be unable to immediately tell you that a Transaction has been refused. If any Transaction is declined you may contact us at Business Card Services on 0345 300 4709or by writing to us at Business Card Services, Bank of Scotland plc, 00 Xxxxxxxx Xxxxxx, Xxxxxxxxxx, Xxxxxxx Xxxxxxxxxx X0 0XX. If we have declined the Transaction we will, where reasonably possible, tell you why the Transaction was declined. We are not responsible for any loss if a Retailer refuses to accept your card or we refuse to authorise a Transaction or delay in doing so. If the reason for our declining the Transaction was based on incorrect information, we will agree with you what needs to be done to correct that information. 11.5 If authorisation is given, that Transaction will immediately reduce the total amount that can be drawn within the relevant Cardholder Limit and the term “Cash Advances” Business Limit. 11.6 If we are authorised in advance to make a future Card Transaction and the amount of the transaction is not known, we may reserve funds in the relevant Cardholder Account only if you consent to an exact amount of funds to be reserved. Reserved funds will include; a) Cash Advancesbe released when we are made aware of the amount of the Card Transaction. 11.7 We and/or any member of the Lloyds Banking Group may be subject to sanctions and/or embargoes imposed by the international community including the UK, b) Convenience ChecksEU, c) obtaining funds through an automated teller machine (ATM) UN and the USA. We may refuse Transactions or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers chequesrefuse to make any payment if it would result, or stored value loadin our reasonable opinion is likely to result, ein a breach by us or any member of the Lloyds Banking Group or any of their respective employees of any sanction or embargo whether or not imposed in the UK and we will not be liable for any loss, damage, cost or expense by reason aforesaid. We shall be permitted to disclose to the relevant authorities such information in relation to any Transaction and/or payment as may be required. 11.8 Cardholders may make Cash Withdrawals of up to £500 per day, provided they do not exceed their Cardholder Limit. We may change the Cash Withdrawal limit of £500 by giving you notice under condition 18. 11.9 Where a Cardholder sets up a future-dated or regular payment (recurring Transaction) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an be made from the Cardholder Account, which include Purchases, Cash Advances, such Transactions should be cancelled by you or the Annual Card fee, if anyCardholder telling the Retailer, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance party the Cardholder has made the arrangement with or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwiseus. If you do use your Card for illegal purposes or gamblingask us to stop the payment, you will be in default under this Agreement and we may terminate your Account, but must tell us no later than the close of business on the Business Day before the payment was due to take place. We also advise you still will be liable to us for all Charges relating contact the person you make payment to such transactions and all other transactions on your Accountso that they do not keep trying to take payment. You should not use the Card after the expiration date. If will need to contact them if you want to cancel your Account agreement with them, in any case, as we cannot do that for you. By cancelling a recurring Transaction arrangement you or a Cardholder will have withdrawn authorisation for future Transactions. We will treat any Additional Cards, you must contact future Transactions made pursuant to that arrangement as unauthorised. 11.10 Cards belong to us and destroy must be returned as soon as reasonably possible if we reasonably ask you to do so and in accordance with our reasonable instructions. Anyone acting for us may recover or retain them. 11.11 Card chip content is our property and can only be used for purposes we authorise. 12 Third Party Providers (TPPs) 12.1 Your Business Representative will be able to give consent to a TPP to access the Card or any Additional Cardsinformation on your Business Account for you, as long as the TPP is open and transparent about its identity and acts in accordance with relevant regulatory requirements. You must be registered for Internet Banking to do this. We reserve will treat any instruction from a TPP as if it were from you. 12.2 We may refuse access to a TPP if we are concerned about fraudulent or unauthorised access by that TPP. 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 right way which we consider most appropriate in the circumstances. We won't tell you where doing so would compromise our reasonable security measures or otherwise be unlawful. 12.3 We may make available to deny authorization for any requested Chargea TPP a specific means of accessing your account. All Purchases are affected at the option of the Seller If we do, and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution it tries to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather access your account by a different way, we may refuse to allow that access. 12.4 If you use a third party card issuer they may be able to request confirmation from us that you have the necessary credit advice available on your Business Account for them to Solvay Bank which shall be shown as approve a credit on Cardholders account statement with Solvay BankCard Transaction. We will only respond to a request if you have given us explicit consent to do so.

Use of the Card. To activate the Card you will need to log onto the Card Partner App or Card Partner’s Website and use the activate card function. We will be entitled to assume that a Transaction has been Authorised by You may where (i) the magnetic strip on the Card was swiped by the Merchant; (ii) the Card was inserted into a chip & PIN device and the PIN was entered; (iii) relevant information was supplied to the Merchant that allows them to process the Transaction, for example, providing the Merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader. The Cardholder should only use the Card as permitted by the Business. If the Cardholder uses the Card, we are entitled to obtain legal goods and services from any person or establishment accepting presume that the Cardholder has the Business’ permission to spend the Available Balance until notified to the contrary by the Business. The Cardholder can use the Card up to the amount of the Available Balance for Transactions (“Purchase(s)”)i) via the Internet, (ii) at Merchants and obtain loans (“Cash Advance(s)”iii) to make cash withdrawals from ATMs, provided that such application is included in the card program. We will deduct the value of the Transactions from the Available Balance in the Account. We will also deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule. ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn. Like other card issuers, we cannot guarantee a Merchant, an ATM operator or a bank will accept the Card. We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following: ● if we have reasonable grounds to believe that the Card is being in a way which is not approved by the Business; ● if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner; ● if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees; ● if there is an outstanding Shortfall in the Account; ● if we have reasonable grounds to believe that you are acting in breach of this Agreement; ● if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by Merchants, payment processors or payment schemes processing Transactions, or ● if we need to do so in order to comply with the law. If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply. The Business will remain responsible to the Issuer for the use of the Card. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems. Please contact us using the contact details set out in clause 2 to notify us of any problems you are experiencing using the Card or Account and we will endeavour to resolve any problem. You can manage the Card and view your e-statements by accessing the Account online via the Card Partner's Website or Card Partner App. You may at any time view the details of the Transactions in the Account using the relevant credentials. You must keep your credentials safe and not disclose them to anyone. The Account will include all Transactions notified to us up to the applicable limits on your Account and to take advantage of other features evening of the Cardprevious Business Day. As Your transaction information (“e-statement”) will contain: (i) a reference enabling you to identify each Transaction; (ii) the amount of each Transaction; (iii) the currency in which the Card is debited/ credited; (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in this Agreement, the term “Purchases” will include Purchases, Transaction and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, amount of the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card Transaction after the expiration currency conversion, where applicable; and (v) the Transaction debit/credit value date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including paying for Purchases and obtaining Cash Advances. When any Cardholder makes a Transaction using the Account, we are lending the Primary Cardholder the amount required for the Transaction. The Primary Cardholder authorizes us to charge that amount to the Account and promises to pay us for all Transactions made with the Account, whether or not Transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else, and for any applicable Fees, insurance or other premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on the Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on the Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 29 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends their Card to obtain legal goods and services from any person someone or establishment accepting allows someone else to use their Card or the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreementnumber, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, Primary Cardholder will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all any amounts charged to the Account by either that person, even if you or any Additional Cardholders. You agree intended to notify us at once if limit that person’s use of the Card or any Convenience Checks we the Account to a particular amount or particular time. Authorized Users may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Card or the Account only for legal purchases of goods and services. Cards may in the same manner as the Primary Cardholder but are not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for any amounts charged to the Account, including the amounts incurred by them. The Primary Cardholder provides their consent for us to communicate (by telephone, mail, email, SMS text message or any other electronic communication method) with any Authorized User regarding all Charges relating details and matters related to such transactions and all other transactions on your the Account. You should For greater certainty, this also means that we are permitted, but not use obligated, to provide any Authorized User online access to the Account. We may decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or to evaluate and adjust the rates of interest, credit limit or other features of the Account. When any Cardholder on the Account pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the legal effect is the same as if the Card had been presented and the sales slip was signed or a PIN or password entered. The Primary Cardholder must sign any Card in the Primary Cardholder’s name that has a signature panel as soon as they receive it and must also ensure that each Authorized User signs any Card in the Authorized User’s name that has a signature panel as soon as they receive it. In any case, the Primary Cardholder agrees to pay all debts incurred on the Account, even if those debts are incurred: (i) prior to the activation of the Account; (ii) after the expiration date. If you want to cancel your expiry of any Card; (iii) after the cancellation or suspension of Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.access;

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including paying for Purchases and obtaining Cash Advances. When any Cardholder makes a Transaction using the Account, we are lending the Primary Cardholder the amount required for the Transaction. The Primary Cardholder authorizes us to charge that amount to the Account and promises to pay us for all Transactions made with the Account, whether or not Transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else that a Cardholder permitted to use the Account, and for any applicable Fees, insurance or other premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on the Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on the Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 29 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends a Card to obtain legal goods and services from any person someone or establishment accepting allows someone else to use a Card or the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreementnumber, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, Primary Cardholder will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all any amounts charged to the Account by either that person, even if you intended to limit that person’s use of the Card or the Account to a particular amount or particular time. Authorized Users may use the Card or the Account in the same manner as the Primary Cardholder but are not liable to us for any amounts charged to the Account, including the amounts incurred by them. The Primary Cardholder provides their consent for us to communicate (by telephone, mail, email, SMS text message or any Additional Cardholdersother electronic communication method) with any Authorized User regarding all details and matters related to the Account. For greater certainty, this also means that we are permitted, but not obligated, to provide any Authorized User online access to the Account. We may decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or to evaluate and adjust the rates of interest, credit limit or other features of the Account. When any Cardholder on the Account pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the legal effect is the same as if the Card had been presented and the sales slip was signed or a PIN or password entered. The Primary Cardholder must sign any Card in the Primary Cardholder’s name that has a signature panel as soon as they receive it and ensure that each Authorized User signs any Card in the Authorized User’s name that has a signature panel as soon as they receive it. In any case, the Primary Cardholder agrees to pay all debts incurred on the Account, even if those debts are incurred: (i) prior to the activation of the Account; (ii) after the expiry of any Card; (iii) after the cancellation or suspension of Account access; (iv) after the closure of the Account; (v) or after the termination of this Agreement. You agree to notify us at once if the that you will use your Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use and the Account for personal, family or household purposes only and not for legal purchases of goods any other purpose, including for business or commercial purposes. Your Card and services. Cards may the Account number must not be used for gambling purposesany illegal or unlawful purpose, whether on including the internet purchase of goods or otherwise. If you do use your Card for illegal purposes services prohibited by the laws of Canada or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all any other transactions on your Account. You should not use country where the Card after is used or where the expiration date. If you want to cancel your Account goods or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsservices are provided. We reserve have the right to deny authorization prevent your Card or the Account from being used for any requested Chargecertain types of transactions as determined by us without advance notice to you. All Purchases Cards are affected at the option of the Seller our property and Cash Advancing Financial Institution and Solvay Bank shall not must be responsible for refusal by any Seller or Cash Advancing Financial Institution returned to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit us on Cardholders account statement with Solvay Bankour request.

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including: ● to pay for Purchases; and ● to obtain Cash Advances. When any Cardholder makes a Transaction using the Account, we lend the Primary Cardholder the amount required for the Transaction, and the Primary Cardholder authorizes us to charge the Account and promises to pay Xxxxxx Bank for all Transactions made with the Account, whether or not transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else that a Cardholder permitted to use your Account, and for any applicable Fees, premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on your Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on an Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 28 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends a Card to someone or allows someone else to use a Card or your Account number, the Primary Cardholder will be responsible for any amounts charged to the Card or Account by that person, even if you intended to limit that person’s use of the Card or your Account to a particular amount or particular time. Authorized Users may use the Card or the Account in the same manner as the Primary Cardholder, but are not liable to obtain legal goods us for any amounts incurred on the Account, including the amounts incurred by them. You provide your consent for us to communicate (by telephone, mail, email, SMS text message or any other electronic communication method) with any Authorized User regarding all details and services from matters related to your Account. For greater certainty, this also means that we are permitted, but not obligated, to provide any person Authorized User online access to your Account. We may decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or establishment accepting to evaluate and adjust the Card (“Purchase(s)”)rates of interest, and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of credit limit or other features of your Account. When any Cardholder on the Card. As used in this AgreementAccount pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the term “Purchases” will include Purchases, and legal effect is the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once same as if the Card had been presented and the sales slip was signed or any Convenience Checks we may issue on your Account are lost a PIN or stolen, or if you suspect they are being used without your permissionpassword entered. You agree to use must sign any Card that has a signature panel as soon as you receive it and ensure that the Authorized Users on the Account only for legal purchases sign any Cards that include a signature panel as soon as they receive them. However, the Primary Cardholder agrees to pay all debts incurred on the Account, even if these debts are incurred prior to activation of goods and servicesthe Account or after the expiry of any Card or after the closure or suspension of the Account. Cards may Your Card or Account number must not be used for gambling purposesany illegal or unlawful purpose, whether on including the internet purchase of goods or otherwise. If you do use your Card for illegal purposes services prohibited by the laws of Canada or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all any other transactions on your Account. You should not use country where the Card after is used or where the expiration date. If you want to cancel your Account goods or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsservices are provided. We reserve have the right to deny authorization prevent your Card or your Account from being used for any requested Chargecertain types of transactions as determined by us without advance notice to you. All Purchases Cards are affected at the option property of the Seller Xxxxxx Bank and Cash Advancing Financial Institution and Solvay Bank shall not must be responsible for refusal by any Seller or Cash Advancing Financial Institution returned to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit us on Cardholders account statement with Solvay Bankour request.

Use of the Card. To activate the Card you will need to log onto the Card Partner App or Card Partner’s Website and use the activate card function. We will be entitled to assume that a Transaction has been Authorised by You may where (i) the magnetic strip on the Card was swiped by the Merchant; (ii) the Card was inserted into a chip & PIN device and the PIN was entered; (iii) relevant information was supplied to the Merchant that allows them to process the Transaction, for example, providing the Merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader. The Cardholder should only use the Card as permitted by the Business. If the Cardholder uses the Card, we are entitled to obtain legal goods and services from any person or establishment accepting presume that the Cardholder has the Business’ permission to spend the Available Balance until notified to the contrary by the Business. The Cardholder can use the Card up to the amount of the Available Balance for Transactions (“Purchase(s)”)i) via the Internet, (ii) at Merchants and obtain loans (“Cash Advance(s)”iii) to make cash withdrawals from ATMs, provided that such application is included in the card program. We will deduct the value of the Transactions from the Available Balance in the Account. We will also deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule. ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn. Like other card issuers, we cannot guarantee a Merchant, an ATM operator or a bank will accept the Card. We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following: ● if we have reasonable grounds to believe that the Card is being in a way which is not approved by the Business; ● if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner; ● if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees; ● if there is an outstanding Shortfall in the Account; ● if we have reasonable grounds to believe that you are acting in breach of this Agreement; ● if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by Merchants, payment processors or payment schemes processing Transactions, or ● if we need to do so in order to comply with the law. If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply. The Business will remain responsible to the Issuer for the use of the Card. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems. Please contact us using the contact details set out in clause 2 to notify us of any problems you are experiencing using the Card or Account and we will endeavor to resolve any problem. You can manage the Card and view your e-statements by accessing the Account online via the Card Partner's Website or Card Partner App. You may at any time view the details of the Transactions in the Account using the relevant credentials. You must keep your credentials safe and not disclose them to anyone. The Account will include all Transactions notified to us up to the applicable limits on your Account and to take advantage of other features evening of the Cardprevious Business Day. As Your transaction information (“e-statement”) will contain: (i) a reference enabling you to identify each Transaction; (ii) the amount of each Transaction; (iii) the currency in which the Card is debited/credited; (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in this Agreement, the term “Purchases” will include Purchases, Transaction and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, amount of the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card Transaction after the expiration currency conversion, where applicable; and (v) the Transaction debit/credit value date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.

Use of the Card. 5.1 The Card remains the property of Nedbank and it must be returned to Nedbank immediately upon request or when the Account is closed for whatever reason; 5.2 Any authorised officer, servant, employee, associate or agent of Nedbank may retain the Card, require the Cardholder to return the Card or suspend the use of the Card at any time in its absolute discretion and Nedbank shall not be liable for any loss suffered by the Cardholder as a result thereof. 5.3 The Cardholder must, immediately when the card is received, sign the card in the space provided thereon with a ballpoint pen; 5.4 If you do not want the Card issued to you, it must be destroyed immediately without being used and you must notify us thereof immediately. 5.5 You may must ensure that all Cards issued to Additional Cardholders or Card Users are recovered from the said person(s) upon termination of employment or upon the Cardholder not being duly authorised to use the Card. It is your responsibility to ensure that the Card is destroyed by cutting the card in two through the magnetic strip. 5.6 With regard to obtain legal the authorisation and use of Fleet Cards: 5.6.1 the Card may be used only by the natural or juristic person whose name appears thereon alternatively solely for the vehicle stipulated on the Card. 5.6.2 The Fleet Card may only be used for vehicle related expenditure. 5.7 With regard to the authorisation of any other Card: 5.7.1 the Card may be used only by the natural or juristic person whose name appears thereon, except in the case of the Duplicate Card, which may be used only by the Authorised Representative for the purposes of signing for you and on your behalf for goods and services provided. 5.7.2 An Additional Cardholder is subject to the Terms and Conditions of this Agreement; 5.8 You may not cede or delegate any of your rights or obligations in respect of the Card or its use. 5.9 The Card is valid from the time it is issued or from the first day of the ‘valid from’ date on the card, as the case may be, until it expires or until your account is closed by any of the Parties for whatever reason. When the Card expires it must be cut in half through the magnetic Chip. If we allow a card transaction after the card has expired or has been cancelled, this does not mean that we have extended the validity term of the card. Payment of any amounts owing relating to these transactions remain your liability and responsibility. 5.10 The Cardholder must take all reasonable steps to prevent any authorised use of the Card by: 5.10.1 doing everything that is necessary to prevent it from being lost, stolen and/or used wrongfully; 5.10.2 ensuring that any record of the PIN is kept separate from the Card in a safe place; and 5.10.3 not allowing anybody, unless specifically authorised by you thereto to obtain knowledge of the PIN 5.11 If the Card, Card Number or PIN: 5.11.1 is lost, stolen and/or used wrongfully; or 5.11.2 is used by any person other than the Cardholder or establishment accepting Card User so authorised by you; We must be notified immediately at our Nedbank Card Division in Windhoek on the telephone numbers provided from time to time (on the monthly statement). We must also be notified immediately if you or the Card User has reason to believe or suspect that this has happened. The Cardholder will be provided with a reference number during the telephone call. It is important that the Cardholder keep a record of this reference number, as the Cardholder must be able to provide it to us whenever the Cardholder is requested to do so. The Cardholder must confirm the verbal notification by sending us written confirmation thereof, stating the reference number, within 24 (“Purchase(s)”twenty-four) hours after the verbal notification. It is your responsibility to ensure that the Nedbank Card Division receives every written notice. 5.12 Except where a transaction is made by means of a PIN or is requested by mail or telephone order, the Card User must sign a sales voucher or a refund voucher, as the case may be, every time the Card User uses the Card or gives the Card Number to a merchant or supplier. By signing the voucher the Card User confirms that the information on it is correct and the Card user will be liable for and must repay us all amounts we pay or have to pay in respect of Card Transactions. If the Cardholder does not sign the relevant voucher(s), the Cardholder will still be liable to us. 5.13 The Cardholder must comply with all the applicable exchange control regulations when the Cardholder uses the Card outside the common monetary area. Card Transactions made in foreign currencies will be shown on the statement in Namibian dollar. 5.14 When the Cardholder uses an ATM, they do so at their own risk and obtain loans we will not be liable for any loss or theft resulting from the use of an ATM or an SST or other electronic device. 5.15 When making withdrawals at ATMs outside the borders of Namibia, the daily withdrawal limit will be different from the daily withdrawal limit at ATMs inside the borders of Namibia. 5.16 You authorise us to debit your Account (“Cash Advance(s)”) from us up which authorisation may not be cancelled or withheld): 5.16.1 to pay for any purchases and/or services in respect of which the Card or the Card Number is used and to debit the amount concerned to the applicable limits on Card Account; 5.16.2 to debit the Card Account with the amount of the sales voucher or cash advance voucher or any other cash amount withdrawn; 5.16.3 to debit the Card Account for any payments made to a merchant for any purchase or cash withdrawal; 5.16.4 to make the necessary entries to do the above and to reverse these entries when appropriate, and 5.16.5 to make all deductions as set out in clause 6 herein. 5.16.6 All payments made to a merchant for any transaction are final and irreversible unless the reversal is allowed or authorised by us in terms of the Visa Card rules. 5.17 We will not in any way be liable to the Cardholder if any merchant or supplier does not accept the Card or the Card Number, or if we refuse to authorise any Card Transaction. 5.18 We determine the amount of your Credit Facility at all times and will notify you thereof. You may not exceed the amount of your credit facility unless you have first obtained our approval. If we accept any sales voucher, cash advance voucher or other evidence of withdrawal of cash and/ or purchase resulting in your credit facility being exceeded, this will not mean that we have exercised our discretion to increase your credit facility permanently. 5.19 If you exceed your credit facility, we may close your Account. If we do close your Account, you must repay us all amounts you owe us in respect of your Account and we will not authorise any further Account or Card transactions. 5.20 If we are instructed in writing to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or stop a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, we will attempt to do so. However, we shall not be liable for any loss incurred, whether direct or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeconsequential, if anywe are unable to do so or fail do so. 5.21 You shall have the right to chargeback a transaction during the normal course of business. In the event that we are, or other feesfor whatever reason, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check unsuccessful in which you have evidenced intent to incur the chargeback of a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gamblingtransaction, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions the amount owing on your AccountCard Facility. You should However, an unsuccessful chargeback does not use detract from your right to claim directly from the merchant. 5.22 If a merchant or supplier gives the Cardholder a refund, it will be credited to the Card after Account only once we have received a properly issued credit/ refund voucher from the expiration date. If you want to cancel your Account merchant or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve supplier. 5.23 You do not have the right to deny authorization for stop any requested Charge. All Purchases payment we are affected at making or which we are about to make to a merchant or supplier in respect of any transaction, nor does the option Cardholder have the right to instruct us to reverse a payment in respect of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not a transaction that has already been made, except as may be responsible for refusal provided otherwise by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bankstatute.

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including:  to pay for Purchases; and  to obtain Cash Advances. When any Cardholder makes a Transaction using the Account, we lend the Primary Cardholder the amount required for the Transaction, and the Primary Cardholder authorizes us to charge the Account and promises to pay Xxxxxx Bank for all Transactions made with the Account, whether or not transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else that a Cardholder permitted to use your Account, and for any applicable Fees, premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on your Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on an Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 28 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends a Card to someone or allows someone else to use a Card or your Account number, the Primary Cardholder will be responsible for any amounts charged to the Card or Account by that person, even if you intended to limit that person’s use of the Card or your Account to a particular amount or particular time. Authorized Users may use the Card or the Account in the same manner as the Primary Cardholder, but are not liable to obtain legal goods us for any amounts incurred on the Account, including the amounts incurred by them. You provide your consent for us to communicate (by telephone, mail, email, SMS text message or any other electronic communication method) with any Authorized User regarding all details and services from matters related to your Account. For greater certainty, this also means that we are permitted, but not obligated, to provide any person Authorized User online access to your Account. We may decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or establishment accepting to evaluate and adjust the Card (“Purchase(s)”)rates of interest, and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of credit limit or other features of your Account. When any Cardholder on the Card. As used in this AgreementAccount pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the term “Purchases” will include Purchases, and legal effect is the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once same as if the Card had been presented and the sales slip was signed or any Convenience Checks we may issue on your Account are lost a PIN or stolen, or if you suspect they are being used without your permissionpassword entered. You agree to use must sign any Card that has a signature panel as soon as you receive it and ensure that the Authorized Users on the Account only for legal purchases sign any Cards that include a signature panel as soon as they receive them. However, the Primary Cardholder agrees to pay all debts incurred on the Account, even if these debts are incurred prior to activation of goods and servicesthe Account or after the expiry of any Card or after the closure or suspension of the Account. Cards may Your Card or Account number must not be used for gambling purposesany illegal or unlawful purpose, whether on including the internet purchase of goods or otherwise. If you do use your Card for illegal purposes services prohibited by the laws of Canada or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all any other transactions on your Account. You should not use country where the Card after is used or where the expiration date. If you want to cancel your Account goods or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsservices are provided. We reserve have the right to deny authorization prevent your Card or your Account from being used for any requested Chargecertain types of transactions as determined by us without advance notice to you. All Purchases Cards are affected at the option property of the Seller Xxxxxx Bank and Cash Advancing Financial Institution and Solvay Bank shall not must be responsible for refusal by any Seller or Cash Advancing Financial Institution returned to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit us on Cardholders account statement with Solvay Bankour request.

Use of the Card. 11.1 When using the Card for a Transaction, a Transaction will be properly authorised: a. by the Cardholder using the Card together with the PIN or the Security Code, and where appropriate using any “Proceed” or similar key, or by the Cardholder presenting the Business Credit Card to a contactless card-reader. Subject to condition 11.9, once the “Proceed” or similar key has been used, or by the Cardholder presenting the Business Credit Card to a contactless card-reader authorisation cannot be withdrawn; or b. by the Cardholder signing a sales voucher for the Transaction. If the Cardholder has signed a sales voucher for the Transaction subject to condition 11.9, authorisation cannot be withdrawn once the signed voucher has been accepted by the Retailer or provider of a Cash Withdrawal. The authorisation of a Transaction can include authorising any single Transaction, a series of recurring Transactions or pre-authorising a future Transaction of a certain or uncertain amount. 11.2 You may should notify Business Card Services as soon as possible if you or a Cardholder becomes aware of a Transaction which has not been authorised by a Cardholder. Contact details are set out in the section called “Help and Information”. 11.3 If a Cardholder is unable to use the Card PIN because of a disability you should contact us at the address shown in the section called “Help and Information”. 11.4 A Retailer, ATM operator or other third party may contact us or an agent acting for us for confirmation − or “authorisation” − that we will pay the Transaction. We have the right to obtain legal goods and services from refuse authorisation for any person particular Transaction if reasonable, for example if the Transaction results in the Business or establishment accepting the Card (“Purchase(s)”)Cardholder Limit being exceeded, and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage you are in breach of other features of the Card. As used in this Agreement, or we (or the term “Purchases” systems we use) reasonably suspect the Transaction is fraudulent. You will include Purchasesusually find out that we have refused to authorise a Transaction if a Retailer asks for payment by another method or the ATM will not dispense cash. However, a Retailer may be unable to immediately tell you that a Transaction has been refused. If any Transaction is declined you may contact us at Business Card Services on 0345 300 4709 or by writing to us at Business Card Services, Bank of Scotland plc, 00 Xxxxxxxx Xxxxxx, Xxxxxxxxxx, Xxxxxxx Xxxxxxxxxx X0 0XX. If we have declined the Transaction we will, where reasonably possible, tell you why the Transaction was declined. We are not responsible for any loss if a Retailer refuses to accept your card or we refuse to authorise a Transaction or delay in doing so. If the reason for our declining the Transaction was based on incorrect information, we will agree with you what needs to be done to correct that information. 11.5 If authorisation is given, that Transaction will immediately reduce the total amount that can be drawn within the relevant Cardholder Limit and the term “Cash Advances” Business Limit. 11.6 If we are authorised in advance to make a future Card Transaction and the amount of the transaction is not known, we may reserve funds in the relevant Cardholder Account only if you consent to an exact amount of funds to be reserved. Reserved funds will include; a) Cash Advancesbe released when we are made aware of the amount of the Card Transaction. 11.7 We and/or any member of the Lloyds Banking Group may be subject to sanctions and/or embargoes imposed by the international community including the UK, b) Convenience ChecksEU, c) obtaining funds through an automated teller machine (ATM) UN and the USA. We may refuse Transactions or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers chequesrefuse to make any payment if it would result, or stored value loadin our reasonable opinion is likely to result, e) engaging in another similar transactiona breach by us or any member of the Lloyds Banking Group or any of their respective employees of any sanction or embargo whether or not imposed in the UK and we will not be liable for any loss, damage, cost or f) Balance Transfersexpense by reason aforesaid. As used in this Agreement, all amounts charged We shall be permitted to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged disclose to the Account by either you or relevant authorities such information in relation to any Additional Cardholders. You agree Transaction and/or payment as may be required 11.8 Cardholders may make Cash Withdrawals of up to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen£500 per day, or if you suspect provided they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may do not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsexceed their Cardholder Limit. We reserve may change the right to deny authorization for any requested Charge. All Purchases are affected at the option Cash Withdrawal limit of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal £500 by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bankgiving you notice under condition 18.

Use of the Card. You may use the Card and PIN to: • Withdraw cash from your savings or checking account at ATMs, merchants, or financial institutions that accept VISA® Debit Cards; • Transfer funds between your savings or checking account you have with the Credit Union; and • Make deposits to your savings or checking account at the Credit Union. You may use the Card without the PIN to: • Purchase goods or services at places that accept VISA® Debit Cards (these are point of sale or POS transactions); • Order goods or services by mail or telephone from places that accept VISA® Debit Cards; and • Make automatic payments from your checking account to pay bills or other charges, providing that the person or organization that you are paying agrees to accept payments this way. Some of these services may not be available at all terminals. Use of the card, the account number on the card, the PIN or any combination of the three for payments, purchases, or to obtain legal goods and services cash from any person merchants, financial institutions or establishment accepting others who honor VISA® Debit Cards is an order by you for the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) withdrawal of the amount of the transaction from us up your account. Each transaction with the card will be charged to your account. All card transactions covered by this agreement are subject to the applicable limits on terms and conditions of your Account and account agreements with us governing the affected accounts, except as modified by this agreement. Any future changes to take advantage of other features your account agreements may affect the use of the Cardcard. As You agree that your VISA® Debit Card Account will not be used in this Agreementto make or facilitate any transaction(s) that is or might be construed to be illegal pursuant to applicable law, the term “Purchases” will include Purchasesrule or ordinance, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (including but not limited to) to gambling. Said use, including any Purchasesuch authorized use, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless will constitute an event of whether you have signed a charge formdefault under this Agreement. You agree that the Credit Union has no liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s). You agree that you are responsible for paying repayment of any and all amounts charged to the Account by either you or any Additional Cardholdersdebts incurred for these transactions. You further agree to notify us at once if indemnify and hold the Card Credit Union harmless from any suits, liability, damages or adverse action of any Convenience Checks we may issue on your Account are lost kind that results directly or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for indirectly from such illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bankuse.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including but not limited to Bitcoin, or f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFee (as described below), if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”. Charges included include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to incur a Charge, regardless of whether you have signed a charge form. Credit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by us. Failure to do so may result in the suspension of charging privileges on your Account. You also agree to provide us with any information required by law or regulation, including information that may be required under the USA Patriot Act. Transfers: You may not transfer your Account or any of your rights and obligations under this Agreement. Any such transfer will be void. Additional Cards: You, as the Primary Cardholder, are responsible for paying all amounts charged to the Account Charges on your Account. Any Additional Cards may be canceled by either you or by us. You agree to make sure that any Additional CardholdersCards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Authorized Users in the course of maintaining your Account. We may, in our sole discretion, pursue Authorized Users for payment of their Charges if you fail to pay those Charges. If you want to end an Authorized User’s privilege to use your Account, you must recover and destroy that person’s Card. If you do not, you will continue to be liable for any charges made, even if you have advised us of your wish to cancel that person’s Card privileges, unless you tell us to cancel all Cards and establish a new Account for you or you report the Card as lost or stolen. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect each Authorized User that they are being used without your permission. You agree subject to use the Account only for legal purchases all applicable sections of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay BankAgreement.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including but not limited to Bitcoin, or f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFee (as described below), if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”Credit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by us. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check Failure to do so may result in which you have evidenced intent to incur a Charge, regardless the suspension of whether you have signed a charge formcharging privileges on your Account. You also agree to provide us with any information required by law or regulation, including information that may be required under the USA Patriot Act. Transfers: You may not transfer your Account or any of your rights and obligations under this Agreement. Any such transfer will be void. Additional Cards: You, as the Primary Cardholder, are responsible for paying all amounts charged to the Account Charges on your Account. Any Additional Cards may be canceled by either you or by us. You agree to make sure that any Additional CardholdersCards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Authorized Users in the course of maintaining your Account. We may, in our sole discretion, pursue Authorized Users for payment of their Charges if you fail to pay those Charges. If you want to end an Authorized User's privilege to use your Account, you must recover and destroy that person's Card. If you do not, you will continue to be liable for any charges made, even if you have advised us of your wish to cancel that person’s Card privileges, unless you tell us to cancel all Cards and establish a new Account for you or you report the Card as lost or stolen. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect each Authorized User that they are being used without your permissionsubject to all applicable sections of this Agreement. You agree to use Credit Limit: The Credit Limit is the Account only for legal purchases maximum amount of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions credit available on your Account. You should not use Your Credit Limit is equal to the amount deposited in your Secured Credit Card after the expiration date. If you want to cancel Deposit Account which serves as collateral for your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsobligations under this Account. We reserve have provided you a separate written notice stating applicable credit limit(s) on your Account. In addition, your monthly statements will show the right amount of credit available to deny authorization you for any requested Charge. All Purchases are affected at the option of the Seller Purchases, Balance Transfers and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank.Cash

Use of the Card. with Digital Wallets A digital wallet (“Wallet”) provides another way for you to make purchases with your Card. A digital wallet is a service provided by another company (such as Apple Pay, Android Pay, Samsung Pay, etc.), that allows you to use your Card to enter into transactions where the Wallet is accepted. A Wallet may not be accepted at all places where your Card is otherwise accepted, and your Card may not be eligible for all the features and functionalities of the Wallet. Any use of your Card in or through the Wallet continues to be subject to all terms and conditions of this Agreement. We may terminate your access to or use of your Card with a Wallet at any time and for any reason, including if you violate any of the terms or conditions of this Agreement. You can add or remove your Card from a Wallet by following the instructions provided by the Wallet provider. By doing this, you agree to allow us to share your Card information with the Wallet provider. You may be required to take additional steps to authenticate yourself before your Card is added to the Wallet. We do not charge you any additional fees for adding your Card to a Wallet or for using your Card in the Wallet. However, any fees and charges that would apply when you use your Card outside the Wallet will also apply when you use a Wallet to make purchases with your Card or otherwise access your Card. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees. The digital version of your Card in a Wallet may, in our sole discretion, be automatically updated or upgraded without notice to you. We are not the provider of the Wallet, and we are not responsible for providing the Wallet service to you or for ensuring that your Card is compatible with any Wallet service. We are only responsible for supplying information to the Wallet provider to allow usage of your Card in the Wallet as you have requested. We are not responsible for any failure of the Wallet, any mobile device you use with the Wallet, or the inability to use the Wallet for any transaction. We are not responsible for how the Wallet provider performs its services or any other third parties regarding any agreement you enter into with the Wallet provider or other third party. We do not control the privacy and security of any of your information that may be held by the Wallet provider. Any information held by the Wallet provider is governed by the privacy policy given to you by the Wallet provider. If you have location services enabled on your mobile device, the location of your mobile device may be collected and shared by the Wallet provider in accordance with their respective data and privacy policies, including with us. If you request to add your Card to obtain legal goods a Wallet, you authorize us to collect, transmit, store, use and services from any person or establishment accepting share information about you, your mobile device, and your use of the Card (“Purchase(s)”)in accordance with our privacy policy, as amended from time to time, available at xxxxx://xxx.xxxxx.xxx/privacy-policy.html. TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY ARE WE LIABLE FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF A WALLET, YOUR USE OF THE CARD OR VIRTUAL CARD IN CONNECTION WITH A WALLET, OR A MOBILE DEVICE. If you use a Wallet, you should protect your Wallet and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the mobile device as you would your Card. As used in this AgreementIf your Wallet or mobile device is compromised, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, you should also consider your Card lost or if you suspect they are being used without your permissionstolen and notify us immediately. You agree to use the Account only Please see Section 7 for legal purchases of goods and services. Cards may not be used instructions for gambling purposes, whether on the internet reporting a lost or otherwisestolen Card. If you do use your Card for illegal purposes have any questions, disputes, or gamblingcomplaints about a Wallet, contact the Wallet provider using the information given to you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use by the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bankprovider.

Use of the Card. You All Boost Beyond Cards are issued with contactless functionality and are MasterCard PayPass enabled. Once the Boost Beyond Card is activated and you have topped-up the Card with sufficient funds, you may start to use the Boost Beyond Card to purchase goods and services worldwide anywhere a MasterCard card is accepted. Each time you use the Card to obtain legal purchase goods or services, you authorize us to deduct your funds from your Card Account. The Card is non-transferable and services from shall only be used exclusively by you as the Cardholder. Your Card shall not be pledged by you as security for any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge formpurpose whatsoever. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if shall not give the Card or any Convenience Checks we may issue on your Card Account are lost number to other third parties or stolen, or if you suspect they are being used without your permission. You agree allow them to use the Account only it for legal purchases of goods and services. Cards may not be used for gambling purposescharges, whether on the internet identification or otherwiseany other purpose. If you do so, you will be liable for all charges made with the Card as a result thereof. You also cannot use your Card for purposes which are deemed to be illegal purposes or gambling, you will be in default under this Agreement unacceptable by us and we shall be entitled to block the authorization for the use of the Card for such activities. Your Card usage is limited to a maximum of the Card Limit (depending on which Card Limit we have approved for you and pegged to your Payment Source). If you opt for any optional services provided by us (if applicable), then you may terminate your Accounthave to maintain a minimum amount as specified in connection with the use of those services. We may further set certain limits and thresholds for specific use categories (within the Card Limit) which you cannot exceed whether daily, but you still will monthly or so on. We may further refuse any Transaction or limit the amount to be liable to us transacted either on a per transaction or aggregated basis at any time and for all Charges relating to such transactions and all other transactions on your Accountany reason. You should frequently review your Card Account to check and verify your Available Balance before using your Card. You must always ensure that there are sufficient funds in your Card Account to pay for each transaction and to cover the total amount transacted on your Card Account, including purchases, recurring transactions, fees and other charges. If the total amount in your Card account is insufficient, your transaction will be declined and in the case of recurring declined transactions, you would have to make your own arrangements for payment with the recurring merchant, and we shall not use the Card after the expiration datebe liable for any penalty or late payment interest charged by such merchant on you. If you want have not paid any of the fees (as may be applicable), your Card cannot be used and we will be entitled to cancel block, suspend and/or to terminate your Card account. Without prejudice to the above, we shall not be responsible for the refusal of any Merchant or member institution of Mastercard to honour or accept your Card. All transactions conducted with your Card will only be reflected and posted to your Card Account after they have been submitted by the respective Merchant or acquiring bank and processed by the Mastercard payment network and authorised ONLY by Boost. Take note, as part of our CDD requirements and security monitoring process, Boost reserves the right to review your Card Account activities and any Additional CardsTransaction at any point in time in order to protect you and your funds and to ensure the validity, safety and security of your Card Account against money laundering, terrorism financing, fraudulent or illegal activities. As a provider of financial services, Boost also plays an important role in the fight against financial crime, money laundering and terrorist financing activities and as a result, the Applicable Laws require us to obtain, verify and record personal and private information about our customers and to conduct periodic account reviews. These processes often include steps that involve additional verification and validation of identity, payment or funding sources and instructions, and of other Transaction information which may require us to contact you must contact us further for the relevant information, which may result in delay in the processing of a Transaction until such verification and destroy validation is satisfactorily completed. In the Card or event that your Transaction is subject to any Additional Cardsprocess for additional verification and/or validation (including AML compliance checks), your Transaction may be put on hold while we collect and confirm the source of the funds and complete the verification and validation process. We reserve the right to deny authorization refuse to process Transactions for certain individuals, including without limitation, individuals from sanctioned or high risk countries, individuals who have been blacklisted by any financial institutions, licensed banks or e-money issuers in Malaysia or abroad, individuals who are included in our internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities (including but not limited to Bank Negara Malaysia), the United Nations Security Council Resolutions (UNSCR), Office of Foreign Assets Control (OFAC), or who are deemed as Specially Designated Nationals (SDNs), included under any lists or databases as provided or recommended by the Financial Action Task Force (FATF) and such other lists as may be issued from time to time by relevant government agencies. We may also refuse to process any Transaction on behalf of individuals that may appear on any list of politically exposed persons (PEPs) or that are family members or considered close associates of such PEPs (RCAs). If the Card is used in a manner other than as permitted by this Cardholder Agreement, to the extent permitted by law, we may, at our option and without waiving any of our rights, recognize the transactions and debit or credit the Card accordingly. Any online betting and/or gambling activities are prohibited and you agree that we do not owe you any duty and/ or obligation whatsoever to monitor and block the use of the Card for any requested Chargeunlawful activities. All Purchases are affected at If we do find that your Card has been used for unlawful or fraudulent activity, we shall be entitled to suspend, block and/or terminate the option use of the Seller Card immediately without prior notice to you. Notwithstanding the above, Boost reserves the right to block, suspend or decline any Transaction at its sole and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal absolute discretion. We reserve the right to suspend, revoke and/or block any reloads or top ups to your Card Account which we discover and/or which we have been informed by any Seller third parties (including the police, Bank Negara Malaysia, Mastercard and/or other banking institutions or Cash Advancing Financial Institution other relevant parties) to honor the Cards be irregular, suspicious, illegal or any Related Card. Any refundunauthorized, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which and we shall be shown entitled to take any action against you as a credit on Cardholders account statement with Solvay Bankmay be deemed necessary for such transactions, including blocking suspending and/or terminating your Card and Card account.