Common use of Your Card Clause in Contracts

Your Card. 15.1 You should protect your Card as you may be liable for any unauthorised use of your Card. You must: (a) Sign your Card with your usual signature as soon as you receive it; (b) Keep it in a safe place; (c) Not give your Card to anyone else or let anyone else use your Card (including friends and family); and (d) Not disclose your PIN to anyone else (including friends, family, the police or our staff). 15.2 Once activated, your Card can be used until the expiry date shown on the Card unless we cancel it earlier in accordance with these Terms and Conditions or the Disclosure Statement. Unless you cancel your Card at least one month before expiry date, we may issue you with a new Card (we will not issue a replacement Card if your Credit Limit has been exceeded or your Finance Now Card Facility is in arrears). You must not use your Card in an EFTPOS Terminal or ATM if you have not activated it or if it has expired. You must destroy your Card (by cutting it in half across the magnetic strip) once it has expired. 15.3 Our parent, Southland Building Society, is the legal issuer of the Card, but these Terms and Conditions (and the Disclosure Statement) govern your use of the Card and your Finance Now Card Facility. Southland Building Society shall not be liable for any costs, losses or damages incurred or suffered by you relating to the use of your Card, and all dealings in relation to your Finance Now Card Facility and Card will be with Finance Now. 15.4 Your Card remains our property. It must not be copied or reproduced and may be recovered by us. You must return your Card or destroy it (by cutting it in half across the magnetic strip) if requested by us. 15.5 We may refuse to process any transaction initiated through your Card if: (a) We have not received all information and documents from you that we require; (b) Your purchase or cash withdrawal would result in your Finance Now Card Facility exceeding your Credit Limit; (c) You are in default under these Terms and Conditions or the Disclosure Statement; (d) Your Card has been reported lost or stolen or has been cancelled or has expired (and we have not issued you a new Card); (e) We become aware of a change in your credit position which, in our opinion, is adverse to our interests; (f) You change your address and/or contact details and do not immediately inform us of your new address and/or contact details; or (g) We believe in our sole discretion that it is necessary to protect our legitimate business interests. 15.6 The Credit Limit applicable to your Finance Now Card Facility is recorded in the Disclosure Statement. You can apply in writing, online or by phone to increase or reduce your Credit Limit at any time. We may also reduce it at any time at our discretion. We will notify you if we increase or decrease your Credit Limit. You must keep the balance of your Finance Now Card Facility within the Credit Limit at all times. If you exceed your Credit Limit (including if we, in our sole discretion, allow a transaction that causes your Finance Now Card Facility to exceed your Credit Limit) you must repay the excess amount to us immediately. 15.7 If your Card is damaged or faulty you must return it to us (cut in half across the magnetic strip) with a description of the fault or how the damage occurred. We will issue you with a replacement Card. We may charge you a fee for a replacement Card. 15.8 We may, at our discretion, issue an additional Card (which will be linked to your Account) to anyone over 18 years of age at your request. We may charge you a fee for the additional Card. You can cancel the additional Card by returning it to us (cut in half across the magnetic strip) and advising us in writing. You will be responsible for that person’s use of the Card and will be liable for all transactions carried out by that person using the additional Card and for ensuring that the person complies with these Terms and Conditions.

Your Card. 15.1 You should protect Please sign the Card immediately after you receive it. The Card is Transaction Limits. Transaction limits, including, without limitation, on cash valid during the dates provided on the front. We may replace your Card as with advances at an ATM, may be imposed for security reasons by us or ATM owners. another card at any time. You agree to take reasonable steps to prevent the Notice Regarding ATM Fees by Others. When you use an ATM not owned by unauthorized use of your Card and Account. Each Card issued on your Account is us, you may be liable charged a fee by the ATM operator of any network used to our property, and you agree to return it to us or destroy it upon our request. Use of complete the transaction. You may be charged a fee for a balance inquiry even if your Card is subject to the terms of the Visa Core Rules and Visa Product and you do not complete a funds transfer. Any such fees must be displayed at the ATM Service Rules, as those rules may be revised from time to time. or point of sale terminal location. Using Your Card. You can purchase or lease goods and services from any PAYMENTS AND FEES merchant who honors your Card, and you may obtain cash advances from any Billing Statements. You will receive a billing statement in the mail each month Golden 1 branch or other financial institution or Automated Teller Machine ("ATM") there is a balance on your Account. You may receive your billing statements that accepts the Card, up to your allowable limit. You agree not to present your electronically by enrolling in Visa Online Statements by signing on to your online Card or obtain a cash advance for any unauthorised extension of credit in excess of your account at xxx.xxxxxx0.xxx. Your billing statement will provide instructions for available credit limit; however, if you do exceed your credit limit, you agree to make making payments, including the amounts due and the due date for receiving your immediate payment sufficient to bring the balance below the credit limit. Certain payment. If applicable, your billing statement will show your minimum payment purchases and cash advances require authorization prior to completion of the amount, which includes any past due amounts. Your payment due date is typically transaction. In some cases, you may be asked to provide identification. If our the same day of the month every month. You may request a change to your system is not working, we may not be able to authorize a transaction, even though monthly due date. you have sufficient credit available. Also, for security reasons, we may block the Minimum Monthly Payments. To avoid a late payment fee, you must pay us at use of your CardCard in certain countries or geographic areas. We will have no liability least the minimum payment amount within 15 days after the date and time to you or others if any of these events occur. provided in the billing statement. The monthly minimum payment will equal 2% of Credit Limit. Your credit limit is disclosed to you when you open your Account and the balance on the date the billing cycle closes or $10.00, whichever is greater. If on each monthly billing statement. Purchases will not be authorized if they exceed the balance is less than $10.00, your minimum payment will equal that amount. your available credit limit. Your Account balance may exceed your credit limit due You also agree to pay any amount which is past due or over your credit limit. In to interest and/or fees that are imposed on your Account. addition to the minimum payment due, you may pay all or any part of the entire You must pay the excess amount immediately. You must: are responsible for the total outstanding balance on your Account at any time. You can pay down balances balance at all times, even if your balance exceeds your credit limit. We may faster by paying more than the minimum payment on your Account. change your credit limit at any time. If we accept a payment from you in excess of Application of Payments. We will apply your payments first to finance charges, general, interest charges begin to accrue from the date of transaction or the date then to late fees (a) Sign if any), and then to the principal balance. All payments in excess the transaction posts to your Card Account. Interest charges accrue on every unpaid of the minimum monthly payment will be applied first to the balance with the amount until it is paid in full. Interest will be assessed on fees and penalties. highest interest rate, and then to each successive balance with the next highest Unless otherwise stated, we will charge interest starting on the transaction date for interest rate, until the payment is exhausted. all cash advances and balance transfers. Transaction fees are also included in the Method of Payment. You may pay by check using the remittance coupon on your usual signature calculation of interest charges. If any interest charge is due and not paid, it will be billing statement, by automatic payment from your Golden 1 checking account, by added to the principal and thereafter bear interest as soon the principal. automatic payment from an account with another financial institution, or online by Grace Period on Purchases Only: You can avoid interest charges on purchases signing in to your Online Banking account at xxx.xxxxxx0.xxx. You may also pay by paying the entire statement balance for purchases each month by the date on in person at any Golden 1 branch. Payments received in person by an employee which the payment is due. Otherwise, the balance for purchases on your Account, at a Golden 1 branch no later than close of business on any business day will be and subsequent advances from the date they are posted to the Account, will be credited to your Account effective on that day. Payments received after the close subject to an interest charge. You cannot avoid interest charges on cash of business on any business day will be credited on the next business day. We do advances, balance transfers and transaction fees; even if you pay the entire cash not accept cash payments through the mail. All payments are subject to verification advance balance or balance transfer balance by the payment due date, you will and collection by Golden 1. We may accept and process any payments marked incur the interest charges accrued from the date the cash advance or balance “paid in full” without losing our rights. All payments must be in U.S. Dollars. transfer is posted to your Account. As long as you receive it; (b) Keep it in a safe place; (c) Not give make your Card to anyone else or let anyone else use your Card (including friends and family); and (d) Not disclose your PIN to anyone else (including friends, family, the police or our staff). 15.2 Once activated, your Card can be used until the expiry date shown on the Card unless we cancel it earlier payment in accordance with these Terms the instructions in your CANCELLED, LOST OR STOLEN CARDS billing statement by the date and Conditions time it is due, we will generally credit the payment Termination; Change-in-Terms. We may, by written notice, terminate, cancel, or to your Account as of the Disclosure Statementday it is received. Unless If you do not follow our payment revoke your Account, suspend your ability to make charges or cancel any feature instructions, we may not accept your payment or there may be a delay in crediting of your Account or your Card at least one month before expiry dateany time, we subject to applicable law, even if you are your Account. not in default. You may issue you with a new Card (we terminate your Account by written notice. Termination by Late or Partial Payments. Any payment that delays the reduction of your balance either party shall not affect your obligation to repay any balance on your Account will increase your total interest costs. Partial payments or prepayments will not issue a replacement Card if your Credit Limit has been exceeded or your Finance Now Card Facility is in arrears). You must not use your Card in an EFTPOS Terminal or ATM if you have not activated it or if it has expired. You must destroy your Card (by cutting it in half across the magnetic strip) once it has expired. 15.3 Our parent, Southland Building Society, is the legal issuer of the Card, but these Terms and Conditions (and the Disclosure Statement) govern your resulting from use of the Card as well as interest charges and fees incurred. We delay your Finance Now Card Facilitynext scheduled payment - you will still need to make the minimum may change the terms of this Agreement, including the method of calculating the scheduled payment by the next scheduled due date to keep your Account current. Southland Building Society shall not be liable for any costsperiodic rate, losses or damages incurred or suffered by you relating to the use of your Card, and all dealings in relation to your Finance Now Card Facility and Card will be with Finance Now. 15.4 Your Card remains our property. It must not be copied or reproduced and may be recovered by us. You must return your Card or destroy it (by cutting it in half across the magnetic strip) if requested by us. 15.5 We may refuse to process any transaction initiated through your Card if: (a) We have not received all information and documents from you that we require; (b) Your purchase or cash withdrawal would result in your Finance Now Card Facility exceeding your Credit Limit; (c) You are in default under these Terms and Conditions or the Disclosure Statement; (d) Your Card has been reported lost or stolen or has been cancelled or has expired (and we have not issued you a new Card); (e) We become aware of a change in your credit position which, in our opinion, is adverse to our interests; (f) You change your address and/or contact details and do not immediately inform us of your new address and/or contact details; or (g) We believe in our sole discretion that it is necessary to protect our legitimate business interests. 15.6 The Credit Limit applicable to your Finance Now Card Facility is recorded in the Disclosure Statement. You can apply in writing, online or by phone to increase or reduce your Credit Limit at any time, by written notice, subject to applicable law. Use or We may also reduce it at any time at our discretion. We will notify you if we increase accept late payments, partial payments, checks or decrease your Credit Limit. You must keep the balance of your Finance Now Card Facility within the Credit Limit at all times. If you exceed your Credit Limit (including if we, in our sole discretion, allow a transaction that causes your Finance Now Card Facility to exceed your Credit Limit) you must repay the excess amount to us immediately. 15.7 If your Card is damaged or faulty you must return it to us (cut in half across the magnetic strip) with a description of the fault or how the damage occurred. We will issue you with a replacement Card. We may charge you a fee for a replacement Card. 15.8 We may, at our discretion, issue an additional Card (which will be linked to your Account) to anyone over 18 years of age at your request. We may charge you a fee for the additional Card. You can cancel the additional Card by returning it to us (cut in half across the magnetic strip) and advising us in writing. You will be responsible for that person’s use money orders marked activation of the Card constitutes agreement and will be liable for all transactions carried out by that person using the additional Card acceptance of any change in "payment in full" and for ensuring that the person complies with these Terms and Conditions.such action shall not constitute final settlement of your terms, unless applicable law requires otherwise. Our failure to exercise any of our Account or a waiver or forgiveness of any amounts owing under this Agreement. rights or to take any action shall not constitute a waiver of those rights, or an

Your Card. 15.1 8.1 You should protect your Card as you may be liable for any unauthorised use of your Card. You must: (a) Sign your Card with your usual signature as soon as you receive it; (b) Keep it in a safe place; (c) Not give your Card to anyone else or let anyone else use your Card (including friends and family); and (d) Not disclose your PIN to anyone else (including friends, family, the police or our staff). 15.2 8.2 Once activated, your Card can be used until the expiry date shown on the Card unless we cancel it earlier in accordance with these Terms and Conditions or the Disclosure Statement. Unless you cancel your Card at least one month before expiry date, we may issue you with a new Card (we will not issue a replacement Card if your Credit Limit has been exceeded or your Finance Now Card Facility is in arrears). You must not use your Card in an EFTPOS Terminal or ATM if you have not activated it or if it has expired. You must destroy your Card (by cutting it in half across the magnetic strip) once it has expired. 15.3 8.3 Our parent, Southland Building Society, is the legal issuer of the Card, but these Terms and Conditions (and the Disclosure Statement) govern your use of the Card and your Finance Now Card Facility. Southland Building Society shall not be liable for any costs, losses or damages incurred or suffered by you relating to the use of your Card, and all dealings in relation to your Finance Now Card Facility and Card will be with Finance Now. 15.4 8.4 Your Card remains our property. It must not be copied or reproduced and may be recovered by us. You must return your Card or destroy it (by cutting it in half across the magnetic strip) if requested by us. 15.5 8.5 We may refuse to process any transaction initiated through your Card if: (a) We have not received all information and documents from you that we require; (b) Your purchase or cash withdrawal would result in your Finance Now Card Facility exceeding your Credit Limit; (c) You are in default under these Terms and Conditions or the Disclosure Statement; (d) Your Card has been reported lost or stolen or has been cancelled or has expired (and we have not issued you a new Card); (e) We become aware of a change in your credit position which, in our opinion, is adverse to our interests; (f) You change your address and/or contact details and do not immediately inform us of your new address and/or contact details; or (g) We believe in our sole discretion that it is necessary to protect our legitimate business interests. 15.6 8.6 The Credit Limit applicable to your Finance Now Card Facility is recorded in the Disclosure Statement. You can apply in writing, online or by phone to increase or reduce your Credit Limit at any time. We may also reduce it at any time at our discretion. We will notify you if we increase or decrease your Credit Limit. You must keep the balance of your Finance Now Card Facility within the Credit Limit at all times. If you exceed your Credit Limit (including if we, in our sole discretion, allow a transaction that causes your Finance Now Card Facility to exceed your Credit Limit) you must repay the excess amount to us immediately. 15.7 8.7 If your Card is damaged or faulty you must return it to us (cut in half across the magnetic strip) with a description of the fault or how the damage occurred. We will issue you with a replacement Card. We may charge you a fee for a replacement Card. 15.8 We may, at our discretion, issue an additional Card (which will be linked to your Account) to anyone over 18 years of age at your request. We may charge you a fee for the additional Card. You can cancel the additional Card by returning it to us (cut in half across the magnetic strip) and advising us in writing. You will be responsible for that person’s use of the Card and will be liable for all transactions carried out by that person using the additional Card and for ensuring that the person complies with these Terms and Conditions.