Common use of Your Card Clause in Contracts

Your Card. Starting off 2.1 We issue your Card to you so you can use it for Transactions on the Account. 2.2 Once you receive your Card, you must sign it immediately, otherwise it is not valid. Before you use your Card, we may ask you to activate it. If required, we will send you details on how to do this with the Card. 2.3 We supply a personal identification number (PIN) which is particular to your Card. Please see the ‘Keeping your Card safe and secure’ section for more information. 2.4 The Card remains our property at all times. As a result there may be some circumstances where we have to suspend, cancel, recall or retain it. We won’t do so unless we decide it is necessary. Using your Card 2.5 You must use your Card in the way set out in this Agreement. 2.6 You can use your Card up to a certain number of times a day. We call this a Transaction limit. There is also a daily limit, meaning your Card can be used to make payments up to a certain combined value every day. You can find out more about these limits by contacting us. They are subject to change and we won’t always be able to confirm the limit due to security reasons. You can also contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. 2.7 Depending on the way you use your Card, there may be other limits beyond our control. For example, certain cash machines may have their own limits attached, which could be more or less than the daily limit on your Card. 2.8 Transactions are generally processed within 3-5 Business Days of using your Card. This timeframe may be shorter or longer depending on how or where your Card is used. It may also depend on factors outside our control. 2.9 Your Card can be used abroad. It may be accepted at locations displaying a symbol that matches the one on your Card. There may be different limits and local regulations that govern its use, which are beyond our control. 2.10 If you are refunded by a third party, such as a Merchant, in respect of a Transaction, we will credit you the relevant amount once that third party has processed the refund with us. If it was a non-euro Transaction, the amount refunded may differ to the original amount spent, once fees and charges have been deducted. Please see the ‘Fees and charges’ section for further information. 2.11 If you are a Consumer, your Card may not be used for business or commercial purposes. If you are not a Consumer, your Card may only be used for business or commercial purposes. 2.12 A Card must not be used for any illegal purpose. 2.13 A Card must not be used after this Agreement has ended, the Card has expired, been cancelled or suspended, or if the Card or Device has been reported lost, stolen, misused or its safety has been compromised. How do you get a replacement Card? 2.14 You can contact us if you need a replacement Card at any time. We will then organise for a replacement Card to issue to the last address you provided us with. Otherwise, it will automatically issue by the expiry date printed on the Card. However, we may not issue a replacement if you have not used your Card in the last 12 months. We will not supply a replacement Card if you have asked us not to do so at least 45 days before the expiry date printed on the Card. 2.15 We reserve the right not to issue a replacement Card. Can you get an additional Card? 2.16 On the Account holder’s request, we may issue a Card, or an additional Card, to a nominated person, known as an ‘Authorised User’. We may or may not grant this request. We may have additional rules on who can be an Authorised User (for example, they may have to be a signatory on the Account). 2.17 The Authorised User’s Card will have its own PIN. The use of that Card will also be governed by this Agreement. It is the Account holder’s responsibility to provide a copy of this Agreement, and any future amendments to it, to the Authorised User and ensure that they comply with its terms. 2.18 If the Account holder wants to remove an Authorised User, that Authorised User will still be able to use their Card, including any Digital Cards, until the Card is cancelled, destroyed and, if applicable, returned to us. We set out what we mean by ‘destroy’ in the ‘Keeping your Card safe and secure’ section. 2.19 The Account holder will have access to the information on the Authorised User’s Transactions. Likewise the Authorised User will have access to information about the Account and Transactions. However, the Authorised User will not be able to amend any of the Account details. 2.20 We reserve the right to cancel an Authorised User’s Card at any time. If we do, we will contact you beforehand as set out in the ‘How we can contact each other’ section. We can also cancel the Authorised User’s Card at any time on the Account holder’s, or the Authorised User’s, request. You must contact us to do so. You must then destroy the Card and, if applicable, return it to us immediately.

Your Card. Starting offThis section explains how to use your card and what to do if you lose your card or if someone used your card without your knowledge. Please pay particular attention to the sentences in a bold font. 2.1 We issue 4.1. When you receive your Card card (or, if applicable, the secondary card), you (or, in the case of the secondary card, the secondary cardholder) must immediately sign it with a black ballpoint pen. Should you not collect your card from a retailer within 180 days of approval, your card will no longer be valid and you will have to apply again; in which event, we cannot guarantee that you so will be extended credit again or that you will receive the same credit limit again. 4.2. Unless we tell you otherwise, you can use it for Transactions your card to buy goods and/or obtain services from the retailer on the Account. 2.2 Once credit. However, every time you receive your Carddo so, you must present your card to the retailer at the time of purchase and you must sign it immediatelya sales voucher acknowledging the purchase. For online transactions, otherwise it you present your card to the retailer when you give your card details online and you acknowledge the purchase when you follow the check-out procedures of the applicable website. 4.3. When you make a purchase, you may select any of our available repayment plans, however, in some instances a minimum spend may apply. You must select a repayment plan before the transaction is not valid. Before you use your Card, we may ask you to activate itprocessed. If requiredyou fail to do so, we will send you details select a plan for you. You cannot change the repayment plan for a particular transaction after the transaction has been processed. You also cannot select more than one repayment plan to apply to a single transaction. We may change the features or cancel any repayment plan at any time on how notice to do this with the Cardyou. 2.3 4.4. We supply may from time to time notify you of a personal identification number (PIN) which is particular product or service that we believe adds value to you or your Cardcredit facility. Please see the ‘Keeping your Card safe and secure’ section for more information. 2.4 The Card remains our property at all times. As a result there This product or service may be some circumstances where we have to suspend, cancel, recall offered by us or retain it. We won’t do so unless we decide it is necessary. Using your Card 2.5 You must use your Card in the way set out in this Agreement. 2.6 You can use your Card up to a certain number of times a day. We call this a Transaction limit. There is also a daily limit, meaning your Card can be used to make payments up to a certain combined value every day. You can find out more about these limits by contacting us. They are subject to change and we won’t always be able to confirm the limit due to security reasons. You can also contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. 2.7 Depending on the way you use your Card, there may be other limits beyond our control. For example, certain cash machines may have their own limits attached, which could be more or less than the daily limit on your Card. 2.8 Transactions are generally processed within 3-5 Business Days of using your Card. This timeframe may be shorter or longer depending on how or where your Card is used. It may also depend on factors outside our control. 2.9 Your Card can be used abroad. It may be accepted at locations displaying a symbol that matches the one on your Card. There may be different limits and local regulations that govern its use, which are beyond our control. 2.10 If you are refunded by a third party, . If you take up such as a Merchant, in respect of a Transactionvalue-add product or service, we will credit periodically debit your account accordingly without you having to present your card. 4.5. We will debit your account in the relevant amount once of all purchases made using your card, unless you can prove that third party someone has processed fraudulently used your card or that the refund retailer processing the transaction did not have the authority to debit your account with usthe amounts concerned. If so, you will not be held liable for such fraudulent or unauthorised use, unless you failed to immediately tell us that you lost your card or it was a non-euro Transaction, the amount refunded may differ to the original amount spent, once fees and charges have been deducted. Please see the ‘Fees and charges’ section for further informationstolen. 2.11 If you 4.6. You are a Consumer, the only person that can use your Card may card. You cannot be used for business transfer your card or commercial purposesauthorise or enable someone else to use it. If you are not apply for a Consumersecondary card, your Card may only be used for business or commercial purposesthe secondary cardholder can use that card. 2.12 A Card 4.7. You are responsible for the safekeeping and proper use of your card. If you lose your card or if it is stolen, you must immediately call us so that we can disable the card. You will not be used held liable for any illegal purposepurchases made on your account after you reported your card stolen or lost, unless we are entitled to hold you liable in terms of the National Credit Act or if you were negligent in safeguarding your card or if you didn’t let us know without unnecessary delay that your card was stolen or lost. 2.13 A Card must not 4.8. We may charge you a nominal fee for a secondary card or any replacement card issued to you, which fee will be used after this Agreement has endedcharged to your account. 4.9. Your card will always remain our property, the Card has expiredeven though you have possession of it. We can, been cancelled or suspended, or if the Card or Device has been reported lost, stolen, misused or its safety has been compromised. How do you get a replacement Card? 2.14 You can contact us if you need a replacement Card at any time, withdraw, block, replace or demand the return of the card. We will then organise If we do so, you still owe us the balance outstanding, if any, on your account. 4.10. If you apply for a replacement Card to issue secondary card: 4.10.1. unless otherwise stated, the terms of this agreement will apply equally to the last address secondary card; 4.10.2. a secondary card will entitle a secondary cardholder to access the available credit on your credit facility and make purchases on your account, without your signature being required at the time of purchase; 4.10.3. it is your responsibility to ensure that the secondary cardholder complies with the applicable terms and conditions of this agreement; 4.10.4. if you provided us with. Otherwise, it will automatically issue nominate a secondary cardholder that at the time your application for a secondary card is younger than 18 years old: 1) you acknowledge that by the expiry date printed on the Card. Howeverissuing a secondary card to him/her, we may are not issue entering into a replacement if credit agreement with him/her; 2) you have not used your Card in the last 12 months. We will not supply a replacement Card if you have asked us not to do so confirm that he/she is at least 45 days before 16 years old at the expiry date printed on time of application; 3) you confirm that you are his/her parent or legal guardian; and 4) you consent to the Card. 2.15 We reserve the right not to issue a replacement Card. Can you get an additional Card? 2.16 On the Account holder’s request, we may issue a Card, or an additional Card, to a nominated person, known as an ‘Authorised User’. We may or may not grant this request. We may have additional rules on who can be an Authorised User (for example, they may have to be a signatory on the Account). 2.17 The Authorised User’s Card will have its own PIN. The use of that Card will also be governed the secondary card by this Agreementhim/her. It is the Account holder’s responsibility to provide a copy of this Agreement, and any future amendments to it, to the Authorised User and ensure that they comply with its terms. 2.18 If the Account holder wants to remove an Authorised User, that Authorised User will still be able to use their Card, including any Digital Cards, until the Card is cancelled, destroyed and, if applicable, returned to us. We set out what we mean by ‘destroy’ in the ‘Keeping your Card safe and secure’ section. 2.19 The Account holder will have access to the information on the Authorised User’s Transactions. Likewise the Authorised User will have access to information about the Account and Transactions. However, the Authorised User will not be able to amend any of the Account details. 2.20 We reserve the right to cancel an Authorised User’s Card at any timesecondary card if it transpires that any of the above statements are false; 4.10.5. If we dowhere the secondary cardholder makes a purchase using the secondary card, we the purchase amount will contact you beforehand as set out in the ‘How we can contact each other’ sectionbe debited to your account. We can also cancel the Authorised User’s Card at You are therefore responsible for payment of any time purchases made on the Account holder’ssecondary card. You are also responsible for any interest, fees or charges that we may raise on your account as a result of any purchases made on the secondary card. 4.10.6. if you wish to change the secondary cardholder or cancel your secondary card, you may do so by contacting us. After receiving confirmation of such a change or cancellation, as the case may be, you must immediately destroy the old secondary card. Failure to do so will result in you being liable for any purchases made on the old secondary card after such change or cancellation; 4.10.7. The secondary card will not entitle you or the Authorised User’s, requestsecondary cardholder to additional credit. You must contact us to do so. You must then destroy The credit limit on your credit facility will not increase through the Card and, if applicable, return it to us immediatelyissuance of a secondary card.

Your Card. Starting off 2.1 We issue your This Card, issued by Xxxxxxxx to You on behalf of the Card Distributor, will be loaded with funds from time to time at the request of the Card Distributor. The Card is a Visa debit card and is not a credit card or charge card. You must not attempt to use Your Card to you so you can obtain credit. The Card shall remain the property of Xxxxxxxx at all times. Your Card is not connected to a bank account. Your Card cannot be used to pay off credit card bills, credit agreements, loan agreements or any other such debt instruments or for any other use it for Transactions on the Accountreferred to in Clause 4. 2.2 Once you receive your CardThe currency in which Your e-money is denominated is either pounds sterling, you must sign it immediately, otherwise it US dollars or euro. The relevant currency is not valid. Before you use your Card, we may ask you to activate it. If required, we will send you details shown on how to do this with the front of Your Card. 2.3 Your Card is issued to You for use by You only and cannot be used by any person other than You. If We supply a personal identification number (PIN) which find out that Your Card is particular to your Card. Please see being used by any person other than You, We may deactivate the ‘Keeping your Card safe and secure’ section for more informationclose Your Account. 2.4 The Card remains our property at all timesmay only be issued to and used by persons over the age of 16. As a result there may If You receive the Card and You are under the age of 16, You must contact Customer Services immediately. You will be some circumstances where we have entitled to suspend, cancel, recall or retain itredeem the funds on the Card in accordance with clause 7.5 below. We won’t do so unless we decide You must not use the Card and You must cut it is necessary. Using your Cardin half through the magnetic stripe and chip and dispose of it carefully. 2.5 You must use your Card in the way set out in this Agreement. 2.6 You can use your Card up to a certain number of times a day. We call this a Transaction limit. There is also a daily limit, meaning your Card can be used to make payments up to a certain combined value every day. You can find out more about these limits by contacting us. They are subject to change and we won’t always be able to confirm the limit due to security reasons. You can also contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. 2.7 Depending on the way you use your Card, there may be other limits beyond our control. For example, certain cash machines may have their own limits attached, which could be more or less than the daily limit on your Card. 2.8 Transactions are generally processed within 3-5 Business Days of using your Card. This timeframe may be shorter or longer depending on how or where your Card is used. It may also depend on factors outside our control. 2.9 Your Card can be used abroad. It may be accepted at locations displaying a symbol that matches the one on your Card. There may be different limits and local regulations that govern its use, which are beyond our control. 2.10 If you are refunded by a third party, such as a Merchant, in respect of a Transaction, we will credit you the relevant amount once that third party has processed the refund with us. If it was a non-euro Transaction, the amount refunded may differ to the original amount spent, once fees and charges have been deducted. Please see the ‘Fees and charges’ section for further information. 2.11 If you are a Consumer, your Card may not be used for business or commercial purposes. If you are not a Consumer, your Card may only be used for business or commercial purposes. 2.12 A Card must not be used for any illegal purpose. 2.13 A Card must not be used after this Agreement has ended, the Card has expired, been cancelled or suspended, or if the Card or Device has been reported lost, stolen, misused or its safety has been compromised. How do you get a replacement Card? 2.14 You can contact us if you need a replacement Card at any time. We will then organise for a replacement Card to issue to the last address you provided us with. Otherwise, it will automatically issue by the expiry date printed on the Card. However, we may not issue a replacement if you have not used your Card in the last 12 months. We will not supply a replacement Card if you have asked us not to do so at least 45 days before the expiry date printed on the Card. 2.15 We reserve the right not to issue a replacement Card. Can you get an additional Card? 2.16 On the Account holder’s request, we may issue a Card, or an additional Card, to a nominated person, known as an ‘Authorised User’. We may or may not grant this request. We may have additional rules on who can be an Authorised User (for example, they may have to be a signatory on the Account). 2.17 The Authorised User’s Card will have its own PIN. The use of that Card will also be governed by this Agreement. It is the Account holder’s responsibility to provide a copy of this Agreement, and any future amendments to it, to the Authorised User and ensure that they comply with its terms. 2.18 If the Account holder wants to remove an Authorised User, that Authorised User will still be able to use their Card, including any Digital Cards, until the Card is cancelled, destroyed and, if applicable, returned to us. We set out what we mean by ‘destroy’ in the ‘Keeping your Card safe and secure’ section. 2.19 The Account holder will have access to the information on the Authorised User’s Transactions. Likewise the Authorised User will have access to information about the Account and Transactions. However, the Authorised User will not be able to amend any of the Account details. 2.20 We reserve the right to cancel an Authorised User’s Card at any time. If we do, we will contact you beforehand as set out in the ‘How we can contact each other’ section. We can also cancel the Authorised User’s Card earn interest at any time on the Account holder’sAvailable Balance on Your Account. 2.6 If You have any difficulties in using Your Card, contact Cardholder Services. 2.7 In relation to any Partner Card which has been given to a third party, You remain fully responsible and liable for any use of the Partner Card and any transactions made using the Partner Card will be deducted from the funds in Your Account. For the avoidance of doubt where a Partner Card has been issued to a third party both Your Card and the Partner Card utilise funds solely from Your Account. 2.8 If You leave the programme under which Your Card was issued, We reserve to either: (a) charge You the monthly Administration Fee as set out in Clause 4.1; or (b) cancel Your Card and transfer the Authorised User’s, request. You must contact us to do so. You must then destroy the Card and, if applicable, return it to us immediatelyAvailable Balance onto another Card.

Your Card. Starting off 2.1 We issue your Card to you so you can use it for Transactions on the Account. 2.2 Once you receive your Card, you must sign it immediately, otherwise it is not valid. Before you use your Card, we may ask you to activate it. If required, we will send you details on how to do this with the Card. 2.3 We supply a personal identification number (PIN) which is particular to your Card. Please see the ‘Keeping your Card safe and secure’ section for more information. 2.4 The Card remains our property at all times. As a result there may be some circumstances where we have to suspend, cancel, recall or retain it. We won’t do so unless we decide it is necessary. Using your Card 2.5 You must use your Card in the way set out in this Agreement. 2.6 You can use your Card up to a certain number of times a day. We call this a Transaction limit. There is also a daily limit, meaning your Card can be used to make payments up to a certain combined value every day. You can find out more about these limits by contacting us. They are subject to change and we won’t always be able to confirm the limit due to security reasons. You can also contact us to agree spending limits for using your Card online, subject to our Transaction and daily limits. We may also be able to offer you a way to request us to block or limit certain Transactions. If we offer such a service, we may decline a Transaction where it is a type of Transaction that you have asked to be restricted on your Account. 2.7 Depending on the way you use your Card, there may be other limits beyond our control. For example, certain cash machines may have their own limits attached, which could be more or less than the daily limit on your Card. 2.8 Transactions are generally processed within 3-5 Business Days of using your Card. This timeframe may be shorter or longer depending on how or where your Card is used. It may also depend on factors outside our control. 2.9 Your Card can be used abroad. It may be accepted at locations displaying a symbol that matches the one on your Card. There may be different limits and local regulations that govern its use, which are beyond our control. 2.10 If you are refunded by a third party, such as a Merchant, in respect of a Transaction, we will credit you the relevant amount once that third party has processed the refund with us. If it was a non-euro Transaction, the amount refunded may differ to the original amount spent, once fees and charges have been deducted. Please see the ‘Fees and charges’ section for further information. 2.11 If you are a Consumer, your Card may not be used for business or commercial purposes. If you are not a Consumer, your Card may only be used for business or commercial purposes. 2.12 A Card must not be used for any illegal purpose. 2.13 A Card must not be used after xxxx this Agreement has ended, the Card has expired, been cancelled or suspended, or if the Card or Device has been reported lost, stolen, misused or its safety has been compromised. How do you get a replacement Card? 2.14 You can contact us if you need a replacement Card at any time. We will then organise for a replacement Card to issue to the last address you provided us with. Otherwise, it will automatically issue by the expiry date printed on the Card. However, we may not issue a replacement if you have not used your Card in the last 12 months. We will not supply a replacement Card if you have asked us not to do so at least 45 days before the expiry date printed on the Card. 2.15 We reserve the right may not to issue a replacement Card. Can you get an additional Card? 2.16 On the Account holder’s request, we may issue a Card, or an additional Card, to a nominated person, known as an ‘Authorised User’. We may or may not grant this request. We may have additional rules on who can be an Authorised User (for example, they may have to be a signatory on the Account). 2.17 The Authorised User’s Card will have its own PIN. The use of that Card will also be governed by this Agreement. It is the Account holder’s responsibility to provide a copy of this Agreement, and any future amendments to it, to the Authorised User and ensure that they comply with its terms. 2.18 If the Account holder wants to remove an Authorised User, that Authorised User will still be able to use their Card, including any Digital Cards, until the Card is cancelled, destroyed and, if applicable, returned to us. We set out what we mean by ‘destroy’ in the ‘Keeping your Card safe and secure’ section. 2.19 The Account holder will have access to the information on the Authorised User’s Transactions. Likewise the Authorised User will have access to information about the Account and Transactions. However, the Authorised User will not be able to amend any of the Account details. 2.20 We reserve the right to may block, suspend and/or cancel an Authorised User’s Card at any time. If we do, we will contact you beforehand as set out time in line with these Conditions (including the ‘How we can contact each otherCancelling, blocking or suspending your Card’ sectionsection of these Conditions. We can also cancel the Authorised User’s Card at any time on the Account holder’s, or the Authorised User’s, request. You must contact us to do so. You must then destroy the Card and, if applicable, return it to us immediately.