Common use of Using your Account and Card Clause in Contracts

Using your Account and Card. 2.1 Once a Cardholder receives a Card, the Cardholder can use it (or the Card Details) to make purchases and cash withdrawals subject to the terms of this Agreement. 2.2 The amount of each Transaction will be debited to your Account and We will provide You with credit for Transactions debited to the Account up to your Credit Limit in the manner set out in and subject to the terms and conditions of this Agreement. 2.3 You can ask us to issue an additional Card to any natural person You nominate as long as they are eligible for a Card. 2.4 You must ensure that your Card is signed immediately on receipt and that You comply with Terms and Conditions of Use and any reasonable instructions that We may give about using Cards, including Card Details and PINs, and keeping them safe. 2.5 You are responsible for all use of your Account by Cardholders, even if they do something which makes You break this Agreement. You must ensure that each Cardholder uses their Card according to the terms of this Agreement. 2.6 If You want to cancel any Card, you are responsible for destroying or returning the Card. 2.7 You must not exceed your Credit Limit. We may refuse any Transaction if We reasonably consider that it could result in You exceeding your Credit Limit. If We authorise a Transaction and You exceed your Credit Limit as a result, this does not mean that We have agreed to an increase in the relevant Credit Limit. We can refuse further Transactions and/or ask You to make an immediate payment to your Account to bring the outstanding balance on your Account within your Credit Limit at any time after your Credit Limit has been exceeded. 2.8 You must not run your Account in credit. If there is a credit balance, we may return it to You. 2.9 When considering whether You might exceed your Credit Limit as a result of a Transaction, We may take into account the amount of any immediate payments which are due to go out of your Account, together with the total amount of any other payments that We are processing and have not yet been added to your Account balance and fees or charges that You might incur. 2.10 Cards may not be used for any illegal purpose or in any manner prohibited by law. 2.11 Cards and credit drawn under this Agreement must only be used for authorised Transactions for the purposes of your business and for no other purpose e.g. personal use. 2.12 A Card may not, in any circumstances, be used to guarantee payment of any cheque or as evidence of identity to help You or a Cardholder to cash a cheque. 2.13 For cash withdrawals, a Card may only be used within the daily cash limit agreed by us and notified to You from time to time. We may from time to time change the daily cash limit applicable to your Account. Please see Clause 5 below for further details. 2.14 Cards belong to the Card Issuer, PayrNet Limited. Where Clause 7 applies We can ask You not to use them and to prohibit all or any of the Cardholders from using them and You must return such Cards to us. If we ask you to return a Card or if We believe a Card is being misused, We may put a stop on it or ask others to hold onto it. 2.15 We may send You another Card, as a replacement for an existing Card or as an additional Card on your Account. The Card that We send You may have a different account number, different branding or be part of a different Card acceptance scheme. The terms that apply to the new Card will be the same or better than you’re then existing terms, but We may make changes to these terms under Clause 5. We will tell You about any changes to the terms under Clause 5.

Using your Account and Card. 2.1 2.1. Once a Cardholder receives a Card, Card the Cardholder can use it (or the Card Details) to make purchases and cash withdrawals subject to the terms of this Agreement. 2.2 2.2. The amount of each Transaction will be debited to your Account and We will provide You with credit for Transactions debited to the Account up to your Credit Limit in the manner set out in and subject to the terms and conditions of this Agreement. 2.3 2.3. The Card Issuer’s Terms and Conditions of Use will apply to the Card and to the use of the Card and Card Details. 2.4. You can ask us to issue an additional Card to any natural person You nominate as long as they are eligible for a Card. 2.4 2.5. You must ensure that your Card is signed immediately on receipt and that You comply with Clause 5 of the Card Issuer’s Terms and Conditions of Use and any reasonable instructions that We may give about using Cards, including Card Details and PINs, and keeping them safe. 2.5 2.6. You are responsible for all use of your Account by Cardholders, even if they do something which makes You break this Agreement. You must ensure that each Cardholder uses their Card according to the terms of this Agreement. 2.6 2.7. If You want to cancel any Card, you You are responsible for destroying or returning the Card. 2.7 2.8. You must not exceed your Credit Limit. We may refuse any Transaction if We reasonably consider that it could result in You exceeding your Credit Limit. If We authorise a Transaction and You exceed your Credit Limit as a result, this does not mean that We have agreed to an increase in the relevant Credit Limit. We can refuse further Transactions and/or ask You to make an immediate payment to your Account to bring the outstanding balance on your Account within your Credit Limit at any time after your Credit Limit has been exceeded. 2.8 You must not run your Account in credit. If there is a credit balance, we may return it to You. 2.9 When considering whether You might exceed your Credit Limit as a result of a Transaction, We may take into account the amount of any immediate payments which are due to go out of your Account, together with the total amount of any other payments that We are processing and have not yet been added to your Account balance and fees or charges that You might incur. 2.10 Cards may not be used for any illegal purpose or in any manner prohibited by law. 2.11 Cards and credit drawn under this Agreement must only be used for authorised Transactions for the purposes of your business and for no other purpose e.g. personal use. 2.12 A Card may not, in any circumstances, be used to guarantee payment of any cheque or as evidence of identity to help You or a Cardholder to cash a cheque. 2.13 For cash withdrawals, a Card may only be used within the daily cash limit agreed by us and notified to You from time to time. We may from time to time change the daily cash limit applicable to your Account. Please see Clause 5 below for further details. 2.14 Cards belong to the Card Issuer, PayrNet Limited. Where Clause 7 applies We can ask You not to use them and to prohibit all or any of the Cardholders from using them and You must return such Cards to us. If we ask you to return a Card or if We believe a Card is being misused, We may put a stop on it or ask others to hold onto it. 2.15 We may send You another Card, as a replacement for an existing Card or as an additional Card on your Account. The Card that We send You may have a different account number, different branding or be part of a different Card acceptance scheme. The terms that apply to the new Card will be the same or better than you’re then existing terms, but We may make changes to these terms under Clause 5. We will tell You about any changes to the terms under Clause 5.Supervisory Authority

Using your Account and Card. 2.1 2.1. Once a Cardholder receives a Card, Card the Cardholder can use it (or the Card Details) to make purchases and cash withdrawals subject to the terms of this Agreement. 2.2 2.2. The amount of each Transaction will be debited to your Account and We will provide You with credit for Transactions debited to the Account up to your Credit Limit in the manner set out in and subject to the terms and conditions of this Agreement. 2.3 2.3. The Card Issuer’s Terms and Conditions of Use will apply to the Card and to the use of the Card and Card Details. 2.4. You can ask us to issue an additional Card to any natural person You nominate as long as they are eligible for a Card. 2.4 2.5. You must ensure that your Card is signed immediately on receipt and that You comply with Clause 5 of the Card Issuer’s Terms and Conditions of Use and any reasonable instructions that We may give about using Cards, including Card Details and PINs, and keeping them safe. 2.5 2.6. You are responsible for all use of your Account by Cardholders, even if they do something which makes You break this Agreement. You must ensure that each Cardholder uses their Card according to the terms of this AgreementAgree- ment. 2.6 2.7. If You want to cancel any Card, you You are responsible for destroying or returning the Card. 2.7 2.8. You must not exceed your Credit Limit. We may refuse any Transaction if We reasonably consider that it could result in You exceeding your Credit Limit. If We authorise a Transaction and You exceed your Credit Limit as a result, this does not mean that We have agreed to an increase in the relevant Credit Limit. We can refuse further Transactions and/or ask You to make an immediate payment to your Account to bring the outstanding balance on your Account within your Credit Limit at any time after your Credit Limit has been exceeded. 2.8 You must not run your Account in credit. If there is a credit balance, we may return it to You. 2.9 When considering whether You might exceed your Credit Limit as a result of a Transaction, We may take into account the amount of any immediate payments which are due to go out of your Account, together with the total amount of any other payments that We are processing and have not yet been added to your Account balance and fees or charges that You might incur. 2.10 Cards may not be used for any illegal purpose or in any manner prohibited by law. 2.11 Cards and credit drawn under this Agreement must only be used for authorised Transactions for the purposes of your business and for no other purpose e.g. personal use. 2.12 A Card may not, in any circumstances, be used to guarantee payment of any cheque or as evidence of identity to help You or a Cardholder to cash a cheque. 2.13 For cash withdrawals, a Card may only be used within the daily cash limit agreed by us and notified to You from time to time. We may from time to time change the daily cash limit applicable to your Account. Please see Clause 5 below for further details. 2.14 Cards belong to the Card Issuer, PayrNet Limited. Where Clause 7 applies We can ask You not to use them and to prohibit all or any of the Cardholders from using them and You must return such Cards to us. If we ask you to return a Card or if We believe a Card is being misused, We may put a stop on it or ask others to hold onto it. 2.15 We may send You another Card, as a replacement for an existing Card or as an additional Card on your Account. The Card that We send You may have a different account number, different branding or be part of a different Card acceptance scheme. The terms that apply to the new Card will be the same or better than you’re then existing terms, but We may make changes to these terms under Clause 5. We will tell You about any changes to the terms under Clause 5.

Using your Account and Card. 2.1 2.1. Once a Cardholder receives a Card, Card the Cardholder can use it (or the Card Details) to make purchases and cash withdrawals subject to within the terms of this Customer Agreement. 2.2 2.2. The amount of each Transaction will be debited to your Account and We will provide You with credit for Transactions debited to the Account up to your Credit Limit in the manner set out in and subject to the terms and conditions of this Customer Agreement. 2.3 2.3. The Card Issuer's Terms and Conditions of Use will apply to the Card and to the use of the Card and Card Details. 2.4. You can ask us to issue an additional Card to any natural person You nominate as long as they are eligible for a Card. 2.4 2.5. You must ensure that your Card is signed immediately on receipt and that You comply with Clause 5 of the Card Issuer's Terms and Conditions of Use and any reasonable instructions that We may give about using Cards, including Card Details and PINs, and keeping them safe. 2.5 2.6. You are responsible for all use of your Account by Cardholders, even if they do something which makes You break this Customer Agreement. You must ensure that each Cardholder uses their Card according to the terms of this Customer Agreement. 2.6 2.7. If You want to cancel any Card, you You are responsible for destroying or returning the Card. 2.7 2.8. You must not exceed your Credit Limit. We may refuse any Transaction if We reasonably consider that it could result in You exceeding your Credit Limit. If We authorise a Transaction and You exceed your Credit Limit as a result, this does not mean that We have agreed to an increase in the relevant Credit Limit. We can refuse further Transactions and/or ask You to make an immediate payment to your Account to bring the outstanding balance on your Account within your Credit Limit at any time after your Credit Limit has been exceededlimit. 2.8 2.9. You must are not supposed to run your Account in credit. If there is a credit balance, we balance We may return it to You. 2.9 2.10. When considering whether You might exceed your Credit Limit as a result of a Transaction, We may take into account the amount of any immediate payments which are due to go out of your Account, together with the total amount of any other payments amounts that We are processing and have not yet been added to your Account balance and such as prospective Transactions that We have authorised or fees or charges that You might incur. 2.10 2.11. Cards may not be used for any illegal purpose or in any manner prohibited by law. Cards must only be used for legitimate expenditure for the purposes of your business. 2.11 2.12. Cards and credit drawn under this Customer Agreement must only be used for authorised Transactions for the purposes of your business and for no other purpose e.g. personal usepurpose. 2.12 2.13. A Card may not, in any circumstances, be used to guarantee payment of any cheque or as evidence of identity to help You or a Cardholder to cash a cheque. 2.13 2.14. For cash withdrawals, a Card may only be used within the daily cash limit agreed by us and notified to You from time to time. We may from time to time change the daily cash limit applicable to your Account. Please see Clause 5 below for further details. 2.14 2.15. Cards belong to the Card Issuer, PayrNet LimitedR Raphael & Sons plc. Where Clause 7 8 applies We can ask You not to use them and to prohibit all or any of the Cardholders from using them and You must return such Cards to us. If we We ask you You to return a Card or if We believe a Card is being misused, We may put a stop on it or ask others to hold onto it. 2.15 2.16. We may send You another Card, as a replacement for an existing Card or as an additional Card on your Account. The Card that We send You may have a different account number, different branding or be part of a different Card acceptance scheme. The terms that apply to the new Card will be the same or better than you’re your then existing terms, terms but We may make changes to these terms under Clause 56. We will tell You about any changes to the terms under Clause 56.

Using your Account and Card. 2.1 2.1. Once a Cardholder receives a Card, Card the Cardholder can use it (or the Card Details) to make purchases and cash withdrawals subject to the terms of this Agreement. 2.2 2.2. The amount of each Transaction will be debited to your Account and We will provide You with credit for Transactions debited to the Account up to your Credit Limit in the manner set out in and subject to the terms and conditions of this Agreement. 2.3 2.3. The Card Issuer’s Terms and Conditions of Use will apply to the Card and to the use of the Card and Card Details. 2.4. You can ask us to issue an additional Card to any natural person You nominate as long as they are eligible for a Card. 2.4 2.5. You must ensure that your Card is signed immediately on receipt and that You comply with Clause 5 of the Card Issuer’s Terms and Conditions of Use and any reasonable instructions that We may give about using Cards, including Card Details and PINs, and keeping them safe. 2.5 2.6. You are responsible for all use of your Account by Cardholders, even if they do something which makes You break this Agreement. You must ensure that each Cardholder uses their Card according to the terms of this Agreement. 2.6 2.7. If You want to cancel any Card, you You are responsible for destroying or returning the Card. 2.7 2.8. You must not exceed your Credit Limit. We may refuse any Transaction if We reasonably consider that it could result in You exceeding your Credit Limit. If We authorise a Transaction and You exceed your Credit Limit as a result, this does not mean that We have agreed to an increase in the relevant Credit Limit. We can refuse further Transactions and/or ask You to make an immediate payment to your Account to bring the outstanding balance on your Account within your Credit Limit at any time after your Credit Limit has been exceeded. 2.8 2.9. You must not run your Account in credit. If there is a credit balance, we balance We may return it to You. 2.9 2.10. When considering whether You might exceed your Credit Limit as a result of a Transaction, We may take into account the amount of any immediate payments which are due to go out of your Account, together with the total amount of any other payments that We are processing and have not yet been added to your Account balance and fees or charges that You might incur. 2.10 2.11. Cards may not be used for any illegal purpose or in any manner prohibited by law. 2.11 2.12. Cards and credit drawn under this Agreement must only be used for authorised Transactions for the purposes pur- poses of your business and for no other purpose e.g. personal usepurpose. 2.12 2.13. A Card may not, in any circumstances, be used to guarantee payment of any cheque or as evidence of identity to help You or a Cardholder to cash a cheque. 2.13 2.14. For cash withdrawals, a Card may only be used within the daily cash limit agreed by us and notified to You from time to time. We may from time to time change the daily cash limit applicable to your Account. Please see Clause clause 5 below for further details. 2.14 2.15. Cards belong to the Card Issuer, PayrNet LimitedR Raphael & Sons plc. Where Clause clause 7 applies We can ask You not to use them and to prohibit all or any of the Cardholders from using them and You must return such Cards to us. If we We ask you You to return a Card or if We believe a Card is being misused, We may put a stop on it or ask others to hold onto it. 2.15 2.16. We may send You another Card, as a replacement for an existing Card or as an additional Card on your Account. The Card that We send You may have a different account number, different branding or be part of a different Card acceptance scheme. The terms that apply to the new Card will be the same or better than you’re your then existing terms, terms but We may make changes to these terms under Clause clause 5. We will tell You about any changes to the terms under Clause clause 5.