Common use of USING YOUR CARD AND ACCOUNT Clause in Contracts

USING YOUR CARD AND ACCOUNT. You authorise a Purchase in any of the ways we tell you from time to time, including by: • using your Card and PIN; • providing your Card details online or over the phone; • signing a paper voucher; or • using a device on which your Card details have been loaded. Your Card may also have a contactless function which can be used to pay for small value Purchases without entering your PIN or using your signature. You authorise a contactless Purchase by presenting your Card or device on which your Card is loaded, to the merchant’s terminal. Once you have authorised a Purchase using your Card, you cannot cancel the Purchase at the time of payment. You may be able to ask for a refund in certain circumstances (see Condition 18). Immediately after making a Purchase using your Card the amount of the Purchase will be added to your Account and deducted from your Credit Limit. We will not process any transactions where the amount of the Purchase is not known in advance, unless you have authorised us to do so. We will release any amounts which have been blocked on your Account without undue delay after becoming aware of the amount of the Purchase, and in any event, immediately after receipt of your payment instruction. We may refuse any authorisation request for a Purchase at any time if we believe the Card is not being used appropriately. Prohibited Uses. You may not: • use your Card for any illegal purpose; • give to or allow others to use your Card or your Passcodes; • use your Card to obtain cash from a merchant; • use your Card if you are bankrupt or insolvent or if you do not honestly expect to be able to make the Total Monthly Repayments; or • continue to use your Card if you have reason to believe that someone else has unauthorised access to your Card and you have not reported to us to take action. It is your responsibility to ensure that your Account is not used for any of the above prohibitive uses or in any other unlawful or dishonest manner. To prevent misuse of your Card, you must ensure that you: • never give out your Passcodes; • keep your mobile phone secure at all times by using the locking functions; • do not let anyone else use the Tymit Mobile App while you are logged in • keep your Passcodes secure at all times by memorising the Passcodes, not writing down the Passcodes for others to find and not telling others your Passcode; • do not choose a Passcode which can be easily guessed, associated with your name, home address or telephone number; • take care not to allow others to see your Passcodes when you are entering them into the Tymit Mobile App; and • contact us immediately using details at xxxxxxx@xxxxx.xxx if you reasonably believe there has been unauthorised use of your Card or access to your Account. When you sell or transfer ownership of your mobile phone where our Tymit Mobile App is installed, you must first delete the Tymit Mobile App from your mobile phone before you sell or transfer ownership. You must notify us immediately by blocking your Card in the Tymit Mobile App or by emailing us at xxxxxxx@xxxxx.xxx if you think that your Card has been lost or stolen or if your Card, Account or Passcodes may have been used by someone else or fraudulently. If you allow someone else to use your Card, you will be liable for all Purchases they make until you tell us that the Card may have been misused. You will not be liable for (and we will refund) any other Purchases not authorised by you. We will refund the unauthorised Purchase as soon as practicable, and in any event no later than the end of the next business day starting on which you have informed us about the unauthorised Purchase. In the event that the amounts refunded to your Account are greater than the balance outstanding on your Account, we will pay the positive balance directly to your personal account.

USING YOUR CARD AND ACCOUNT. You authorise a Purchase may use the Card and Account for your personal purchasing needs including: • paying for goods and services, whether they are purchased in person, over the phone, on the Internet or by mail order; • obtaining Cash Advances at one of our Branches, at another financial institution or at an ATM which provides this feature; and • for any other transactions designated or permitted by the Bank. Your card has been issued for your personal use, and therefore may not be used for the purpose of carrying out business or an enterprise. You must not use the Card or Account for any illegal, improper, unlawful or fraudulent purpose, including the purchase of any goods or services prohibited by the local law where you reside. We also reserve the right to prevent the Card, Card number or Account from being used for certain types of transactions as determined by us. These include transactions related to gaming including, but not limited to, betting, off-track betting, racetrack xxxxxx, casino gaming chips and lottery tickets. In cases where these types of transactions occur on your Account, they are considered Cash Advances. Certain types of online transactions, such as Internet gambling, may be declined in our sole discretion. We may also block transactions that are suspicious or may be fraudulent. Transactions may also be declined in cases of technical issues resulting in communication failures between the merchant and the Bank. The Bank makes all efforts to ensure that the Card or Card number are accepted when presented. The Bank is not liable to you for any damages (including special, indirect or consequential damages) that may result from the use of the ways we tell Card if, for any reason, the Card or Card number is not accepted. Your Card expires on the last day of the month as shown on the Card. You should not use the card after it has expired. If any amounts are charged to the Account after the expiry date, you from time to timeare responsible for, including by: • and must pay us those amounts. When you pay for goods and services using your Card and PIN; • providing number without showing your Card details online or over the phone; • signing a paper voucher; or • using a device on which your Card details have been loaded. Your Card may also have a contactless function which can be used to pay for small value Purchases without entering your PIN (for example by mail, telephone, Internet, mobile or using your signature. You authorise a contactless Purchase by presenting your Card or device on which your Card is loadedany other electronic method), to we will treat that use the merchant’s terminal. Once same as if you have authorised a Purchase using had shown your Card, you cannot cancel the Purchase at the time of payment. You may be able required to ask take additional steps (which may include using a separate password and enrolling in customer security programs) in order to purchase goods and services on the Internet from certain merchants. You are responsible for a refund any conditions associated with participating in certain circumstances (see Condition 18)programs established and supported by third parties or us, as required, if you want to take advantage of these Internet purchase opportunities. Immediately after making a Purchase using your Card No one but the amount of the Purchase will be added to your Account and deducted from your Credit Limit. We will not process any transactions where the amount of the Purchase is not known in advance, unless you have authorised us to do so. We will release any amounts which have been blocked person named on your Account without undue delay after becoming aware of the amount of the Purchase, and in any event, immediately after receipt of your payment instruction. We may refuse any authorisation request for a Purchase at any time if we believe the Card is not being used appropriately. Prohibited Uses. You may not: • use your Card for any illegal purpose; • give to or allow others permitted to use your Card or your Passcodes; • use your Card to obtain cash from a merchant; • use your Card if you are bankrupt or insolvent or if you do not honestly expect to be able to make the Total Monthly Repayments; or • continue to use your Card if you have reason to believe that someone else has unauthorised access to your Card and you have not reported to us to take action. It is your responsibility to ensure that your Account is not used for any of the above prohibitive uses or in any other unlawful or dishonest manner. To prevent misuse of your Card, you must ensure that you: • never give out your Passcodes; • keep your mobile phone secure at all times by using the locking functions; • do not let anyone else use the Tymit Mobile App while you are logged in • keep your Passcodes secure at all times by memorising the Passcodes, not writing down the Passcodes for others to find and not telling others your Passcode; • do not choose a Passcode which can be easily guessed, associated with your name, home address or telephone number; • take care not to allow others to see your Passcodes when you are entering them into the Tymit Mobile App; and • contact us immediately using details at xxxxxxx@xxxxx.xxx if you reasonably believe there has been unauthorised use of your Card or access to your Account. When you sell or transfer ownership of your mobile phone where our Tymit Mobile App is installed, you must first delete the Tymit Mobile App from your mobile phone before you sell or transfer ownership. You must notify us immediately by blocking your Card in the Tymit Mobile App or by emailing us at xxxxxxx@xxxxx.xxx if you think that your Card has been lost or stolen or if your Card, Account or Passcodes may have been used by someone else or fraudulently. If you allow someone else to use your Card, you will be liable for all Purchases they make until you tell us that the Card may have been misused. You will not be liable for (and we will refund) any other Purchases not authorised by you. We will refund the unauthorised Purchase as soon as practicable, and in any event no later than the end of the next business day starting on which you have informed us about the unauthorised Purchase. In the event that the amounts refunded to your Account are greater than the balance outstanding on your Account, we will pay the positive balance directly to your personal accountit.

USING YOUR CARD AND ACCOUNT. You authorise a Purchase may use the Card and Account for your personal purchasing needs including: • paying for goods and services, whether they are purchased in person, over the phone, on the Internet, by mail order, or in any other ways we allow; • making purchases at merchants that accept payment by way of Special Purchase Plans. • obtaining Cash Advances at one of our Branches, at another financial institution or at an ATM which provides this feature; and • for any other transactions desig- nated or permitted by the Bank. Your Card has been issued for your personal use, and therefore may not be used for the purpose of carrying out business or an enterprise. You must not use the Card or Account for any illegal, improper, unlawful or fraudulent purpose, including the purchase of any goods or services prohibited by the local law where you reside. We also reserve the right to prevent the Card, Card number or Account from being used for certain types of transactions as determined by us. These include transactions related to gaming including, but not limited to, betting, off-track betting, racetrack xxxxxx, casino gaming chips and lottery tickets. In cases where these types of transactions occur on your Account, they are considered Cash Advances. Cer- tain types of online transactions, such as Internet gambling, may be declined in our sole discretion. We may also block transactions that are suspicious or may be fraudulent. Transactions may also be declined in cases of technical issues resulting in communication failures between the merchant and the Bank. The Bank makes all efforts to en- sure that the Card or Card number are accepted when presented. The Bank is not liable to you for any damages (including special, indirect or consequential damages) that may result from the use of the ways we tell Card if, for any reason, the Card or Card number is not accepted. Your Card expires on the last day of the month as shown on the Card. You should not use the Card after it has expired. If any amounts are charged to the Account after the expiry date, you from time to timeare responsible for, including by: • and must pay us those amounts, together with any interest and fees. When you pay for goods and ser- vices using your Card and PIN; • providing or Account number (or, if you make purchases at merchants that accept payment by way of a Special Purchase Plan) without showing your Card details online or over the phone; • signing a paper voucher; or • using a device on which your Card details have been loaded. Your Card may also have a contactless function which can be used to pay for small value Purchases without entering your PIN (for example by mail, telephone, Internet, mobile or using your signature. You authorise a contactless Purchase by presenting your Card or device on which your Card is loadedany other electronic method), to we will treat that use the merchant’s terminal. Once same as if you have authorised a Purchase using had shown your Card, you cannot cancel the Purchase at the time of payment. You may be able required to ask take additional steps (which may include using a separate password and enrolling in customer security pro- grams) in order to purchase goods and services on the Internet or in- store from certain merchants. You are responsible for a refund any conditions associated with participating in certain circumstances (see Condition 18)pro- grams established and supported by third parties or us, as required, if you want to take advantage of these Internet or in-store purchase opportunities. Immediately after making a Purchase using your Card No one but the amount of the Purchase will be added to your Account and deducted from your Credit Limit. We will not process any transactions where the amount of the Purchase is not known in advance, unless you have authorised us to do so. We will release any amounts which have been blocked person named on your Account without undue delay after becoming aware of the amount of the Purchase, and in any event, immediately after receipt of your payment instruction. We may refuse any authorisation request for a Purchase at any time if we believe the Card is not being used appropriately. Prohibited Uses. You may not: • use your Card for any illegal purpose; • give to or allow others permitted to use your Card or your Passcodes; • use your Card to obtain cash from a merchant; • use your Card if you are bankrupt or insolvent or if you do not honestly expect to be able to make the Total Monthly Repayments; or • continue to use your Card if you have reason to believe that someone else has unauthorised access to your Card and you have not reported to us to take action. It is your responsibility to ensure that your Account is not used for any of the above prohibitive uses or in any other unlawful or dishonest manner. To prevent misuse of your Card, you must ensure that you: • never give out your Passcodes; • keep your mobile phone secure at all times by using the locking functions; • do not let anyone else use the Tymit Mobile App while you are logged in • keep your Passcodes secure at all times by memorising the Passcodes, not writing down the Passcodes for others to find and not telling others your Passcode; • do not choose a Passcode which can be easily guessed, associated with your name, home address or telephone number; • take care not to allow others to see your Passcodes when you are entering them into the Tymit Mobile App; and • contact us immediately using details at xxxxxxx@xxxxx.xxx if you reasonably believe there has been unauthorised use of your Card or access to your Account. When you sell or transfer ownership of your mobile phone where our Tymit Mobile App is installed, you must first delete the Tymit Mobile App from your mobile phone before you sell or transfer ownership. You must notify us immediately by blocking your Card in the Tymit Mobile App or by emailing us at xxxxxxx@xxxxx.xxx if you think that your Card has been lost or stolen or if your Card, Account or Passcodes may have been used by someone else or fraudulently. If you allow someone else to use your Card, you will be liable for all Purchases they make until you tell us that the Card may have been misused. You will not be liable for (and we will refund) any other Purchases not authorised by you. We will refund the unauthorised Purchase as soon as practicable, and in any event no later than the end of the next business day starting on which you have informed us about the unauthorised Purchase. In the event that the amounts refunded to your Account are greater than the balance outstanding on your Account, we will pay the positive balance directly to your personal accountit.